Freedom Financial. Yintoni iidipozithi inzuzo ngakumbi okanye utyalo-mali efanayo?

Kukho nemvukelo eqhelekileyo ukuba waba ngummeli wowona ulungileyo kakhulu oluthembekileyo ulondolozo kunye esele kwemali - bank. Mhlawumbi ngenxa yale ndlela; bawonakalisile inani elikhulu bezimali iibhanki singazithembi. Eneneni, ngoku yimali kunye namaziko ezemali inokuthenjwa bade phambili kwezoqoqosho.

Ngokomzekelo, nyaka ngamnye abaninzi yeebhanki ongenamali US. Ukususela ekuqaleni, kukho 7 iibhanki zawa. Ke kunyaka ophelileyo eUnited States wathi iibhanki ongenamali ngaphezu kwama-90 kunye ingqukuva lilonke yeebhiliyoni 35. Idola. Musa barhuqe emva kula manani kunye namaziko zemali kwamanye amazwe. Naxa a Switzerland ethembekileyo kwaye uzinzile waphawula iingxaki ezifanayo.
ERashiya, ngowama-2010, babe ongenamali malunga kwiibhanki-50. Ngoku zingalahleka-25% kweebhanki ngokunxulumene neemfuno engqongqo kakhulu ye-Bank of Russia kumaziko ngetyala. Ngenxa yoko, inani yeebhanki Kungawa kulo nyaka ukuya 1025. Le idata esemthethweni ye-Central Bank, yaye ezinye eendaba bakholelwa ukuba iibhanki ziya kuba malunga 900. Ngo-Ukraine, kunyaka ka-2011 zawa kwiibhanki 21. Kwaye ngenxa ziingcali European Football Championship kwangaphambili konakalisa olu hlobo iibhanki nangakumbi.

Isiphumo kukuba xa injongo inkululeko zemali, utyalo-mali kunye needipozithi zebhanki kunokuba yingozi. Ngokuchasene neli qonga lingasemva, utyalo inkampani efanayo ibonakala inokuthenjwa.

Oku kwandiqinisekisa iingcali ezininzi kwiimalike zemali, ozibiza ukhetho kakhulu kubatyali ngoku kukho utyalo-mali efanayo, izimali kunye neenkampani, wasebenzisa imali-kude malunga lshie kunamanye amaziko zemali. Le portfolio investment kufuneka ibe zombini izabelo kunye imixokelelwane eenkampani (ngaphandle iibhanki - oku ukhuseleko abatyali kwilahleko kwaye iqinisekisa inzuzo).

Kukho istampu ukuba abatyali kule ntlekele ndingalahli iimali zayo, ngexesha ukukhula kwezoqoqosho - phinda. Investment Funds Melika, eYurophu, Ukraine, eRashiya ndiwulahle lo mbono, ngelithuba imveliso kwi-50% ukuya kwi-100% ngonyaka ngamnye ukuze iiyunithi imali.

Ngamaxesha obunzima, abatyali baye bavakalisa izinto ezixhalabisayo zazo kunye nentsebenziswano kunye kwiibhanki ezaziwayo. Kwakubonakala ukuba icandelo logcino uya kuba nakho ukuphuhlisa iiteknoloji ezintsha kunye nemigaqo, apha naphaya ukulungiselela imeko yangoku. Kodwa akunakuzalisekiswa iindlela ezisebenzayo ngaphandle kokuba amaqabane kunye nabaxhasi bamaziko zemali nje kubathemba ayisekho. Kunye nabatyali-mali bakwazi ukuqonda, kuba iibanki kunciphisa kwenzala kwi iidipozithi. Ngenxa yoko, abathengi baqalisa ukukhangela iindawo ezintsha nokutyala imali. Kwaye ezi zinto kwafunyanwa - ziimali mali kunye neenkampani ezinikela iimeko enomtsalane: kokufumana inzala yabo utyalo-mali, kude ngaphezu linikeza yebhanki. Abanye isithembiso kwi-100% yengeniso ngonyaka ngamnye. Company Manors Investment waya ngakumbi - iqinisekisa belingana mali inshorensi ngeniso abatyali-mali. Namhlanje, ethandwayo funds efanayo, enika ithuba lokuba utyalo ngaxeshanye kubatyali-mali ezininzi.

Ke ekugqibeleni, ndingathanda ukunixelela ngayo izinto eziphambili kufuneka wenze mali ekuqaleni ukuya ngengqiqo ukhethe PIF:

1. Ukumisela ungathanda ntoni hlobo lwengxowa-mali efanayo nawe. Uhlobo kakhulu elilelona - mutual mali ngokubanzi ukuba sinxulumana kwishishini elithile. Ngaphambi ngokukhetha fund "yabo 'efanayo, ubale njani umngcipheko kakhulu yamkelekile kuwe, yaye yintoni isixa yenzuzo ofuna. Ukuba ukhetha ukuthatha ithuba, ukusebenza kunye mali efanayo okanye ntlanzi kunye utyalo exutyiweyo. Elona nqanaba lisezantsi umngcipheko imali bond, kodwa inzuzo mali ezinjalo kuphela kancinane ngaphezu yengeniso needipozithi zebhanki.

2. Khetha inkampani ulawulo a, ababekhonza ngumququzeleli we-mali efanayo. Parameter eziphambili yokuzikhethela - igama, amava, isixa-mali kunye nepesenti imali-3-ex, isithuba seminyaka emi-5 umsebenzi (i ngakumbi, ngcono).

3. Ukuze uhlaziye amanqaku mali efanayo.

Ngoko ke, inkululeko yakho yemali ngaphandle mali nelungisa iphupha enokufikelelwa, ngoko xa ukhetha indlela yotyalo-mali kuyimfuneko tchatelno kuhlalutywa kwimarike bezixhobo zotyalo-mali. Khumbula ukuba utyalo nonke, oko ufumana uya kuba njengaye wonke umntu.