Lapho ukutshala imali kule nkinga: izinketho elilungile kanye okuyingozi

Investments ayisiqinisekiso ukuzinza kwezezimali, inhlalakahle umuntu yesimanje. Imali kufanele alethe imali. Kodwana lokho kutjho bona ukuqinisekisa ukuthi uma wena lizwe usenkingeni? Lapho ukutshala imali esimweni esibucayi?

ka ukutshalwa kwezimali angaphandle

Ngokusho indlela imali imali, kukhona izinhlobo ezintathu zabantu: emthethweni, "extremals" ubeke isiphambano phakathi kwalezi zinhlobo ezimbili. Futhi uma sikhuluma obumbi lapho isimo somnotho wezwe ingahlalisekanga futhi benza noma yikuphi izibikezelo kungukuthi kuthathwe ngisho izazi-abahlaziyi, ke kungcono ukulandela isibonelo emthethweni futhi imali kuphela emithonjeni enokwethenjelwa. Ngakho, sibheka ukuthi kubhekwe a utshalomali okunokwethenjelwa futhi kuphi imali esimweni esibucayi?

"Amagugu Waphakade"

Ngaso sonke isikhathi kufanele ifakwe ezincwadini "amagugu okuphakade", futhi ngokuya okokusebenza ingcebo futhi igolide. Kuyinto lokhu impahla zizohlala intengo, ukuwa kwamanani kulesi sigaba lekusisa akusho lutho. Le ndlu, sibonelo, singasetjentiswa imali ngesimo iqashwe. Kodwa igolide angathengwa hhayi kuphela ngesimo ubucwebe, kodwa unallocated akhawunti metal emabhange. Kulo mBhalo, imali eyenziwe okwandisa inani legolide in the izinsimbi emakethe. umnikelo okunjalo ubhekwa alternative ngaphezulu okuthembekile "imidlalo" ezimakethe zamasheya bese kahle zizwana kahle nezimo nobukhulu bale nkinga.

ezifakwa

Lapho ukutshala imali esimweni esibucayi, endaweni yesibili? akhawunti yasebhange, imali ebizwa, silondoloza futhi wonge imali. Uma uvula i-idiphozi ngaphandle ukuthi kungenzeka ukuba imali ngaphakathi unyaka owodwa noma emibili, khona-ke phindaphinda imali yakho ngo 6% ngonyaka, futhi Savings Bank of Russia - ngo-8.5%. Kukhona Yiqiniso, iziphakamiso kanye 13-14%. Ngamunye kuyafaneleka ukucabangela: banake ngesikhathi, ikhono ashona, izimo idiphozi kanye nemiphumela uma ngokungazelelwe suka imali ngaphambi kwesikhathi.

Kodwa lokhu kuphakamisa omunye umbuzo, lwemali lapho ukuvula i-akhawunti? Dollar, euro, i-ruble - bahlale ukushintsha value abo. Naphezu kweqiniso lokuthi isimo esibucayi e-US sekubangele engaguquki ukwanda euro futhi ukwehla dollar, Ruble akufanele ukuhumusha zonke izimali zabo lwemali European. Ochwepheshe batusa ukugcina imali ku idiphozi kuzo zonke lezi zezimali, ngakho ukunciphisa ukulahleka (mayelana phumelela, ulahlekelwe endaweni ethile, futhi ekugcineni ukonga walondoloza futhi iphindwe inani lenzalo ngonyaka). Lolu khetho silula kunaleso uzama ukubala inzuzo: ukuthatha ku izinga lokwehla kwamandla emali akhawunti, ukwehla, futhi zenzalo yokuzigcina ruble ezifakwa (6%), aseMelika (2%), i-euro (3%).

Nika ebhange ukuze uthumele kusuka akhawunti imali yakho izinkokhelo zenyanga (okungaba umholo, izinzuzo, impesheni), kuyinto ngokuzenzakalelayo ethile e -akhawunti yensimbi e nenani-10% weholo. Iqiniso okunqala kudingeka ukuvula i-akhawunti, nakuba amabhange bazimisele isifuba kuwe kanye nezindleko ze-ruble 1000., Kodwa ke ngoba ngonyaka zanqwabelana kancane.

izimali Mutual

Okuningi lapho imali esimweni esibucayi, ngokushesha zimali "professional", are jwayele kuze ukutshala kumaphrojekthi ibhizinisi ethembisa ekutfutfukiseni imikhakha yokuphila kazwelonke (co-ukwakhiwa). Kusukela isiqondiso kwafika mutual funds - jikelele Isikhwama zimali. Futhi ukuthuthukiswa lolu hlobo utshalomali, ochwepheshe abaningi nabahlaziyi waqala kufanisa ukuba ugcine imali zifakwe ebhange, ememezela Ngakho-mutual funds nokwethenjelwa. Nokho, imali mutual funds ukuletha inzuzo enkulu, kodwa ngesikhathi esifanayo kuyindlela okuyingozi ngaphezulu nokutshala izimali, ikakhulukazi esimweni esibucayi, lapho zonke izimali isitokwe ukunqabela value, futhi akekho ongabikezela lapho sizoqala sikhule futhi. Kodwa ... eziningi amasevisi e-inthanethi kumawebhusayithi amabhange ukusiza ukubala izingozi ezingase zibe khona emabhange efanayo ukunikela amasevisi lwabaphathi wokuphatha izimali zakho ukwethembana. Umnikelo eliphansi mutual funds kuyinto ayizinkulungwane 15. Hlikihla. Lokhu kusho ukuthi uma ufuna le ndlela yokutshala izimali zingenziwa atholakale zonke Russian.

izibambiso

Indlela ohluke ngokuphelele ukutshalwa - kukhona izibambiso (izitifiketi nengamaphepha zokwenana). Uthenge i-yokugcina imali. Zingasetshenziswa bopho eseduze loan. Kodwa uma ufuna lapho ukutshala imali eningi, hhayi ukulahlekelwa kwabo - lena ukhetho best. Uzodinga usizo uchwepheshe okunokwethenjelwa izibambiso emakethe, ukuthola ukuthi yini amanothi noma izitifiketi manje "emalini".

Lapha sibona ukuphendula umbuzo, lapho imali kule nkinga: ezintweni Kuyohlale Inani okunokwethenjelwa amabhange ezifakwa ngaphansi engenayo njalo ngesibalo sika 6% ngo-mutual funds kanye izibambiso. Khetha ukuthi eduze ...