Iintlobo zeediphozithi: indlela yokuzisebenzisa ngokuchanekileyo

Enye yeklasi kunye nazo zonke iindlela ozithandayo zokugcina imali yakho yokugcina imali iifom yebhanki. Nangona kunenzuzo ephantsi, le khetho ikhethwa ngokuphindaphindiweyo kunokuba, tshi, utyalo-mali kwishishini okanye urhweba kwi- stock exchange. Iibhanki zorhwebo ngoku zivakalisa iintlobo ezahlukeneyo zokunikezelwa kweentlawulo, ezibizwa ngokuba kuhle, "ukupakisha" isivumelwano esivamile esisigxina esichukumisayo.

Ukuqonda oko kunene isiluleko esihle kwaye esinenzuzo, kwaye oko kubonakala kubonakala kuyindlela enenzuzo kwaye inenzuzo, makhe siqwalasele ukuba zeziphi iintlawulo zeevenkile ezikhoyo kwiimarike zeenkonzo zemali.

Iintlobo eziphambili zeentlawulo, iimpawu zabo kunye neemeko

Ngokwexesha lesivumelwano, iibhankithi zebhanki zidibene ngokukhawuleza kwaye zingenamkhawulo. Kwimeko yokuqala, umxhasi unika iziko lemali ilungelo lokusebenzisa imali yalo ixesha elithile-ukusuka kwiinyanga ezintathu ukuya kwi-2-3 iminyaka. Ngokuqhelekileyo, ixesha elide liyakwenza isenzo sendiphozithi, ngaphezulu kwezinga lentengo kuyo. Iindidi "zokufunwa" idiphozithi zikulungele ukuba unako ukurhoxisa imali efunekayo nanini na okanye uhoxise idiphozithi ngokupheleleyo, kodwa ingeniso evela kuyo incinci. Ngaphezu koko, ukuhlawuliswa kweenkonzo zebhanki ngamanye amaxesha kunciphisa i-zero. Yindlela yokugcina imali kude kube ngumzuzu ochanekileyo, ngaphandle kokukhathazeka malunga nokuba yimali engayinayo.

Kukho idiphozithi kwifom yomgca wediphozithi, onokuzaliswa naliphi na ixesha, ngexabiso elingenamkhawulo okanye elingenamkhawulo. Ezi ntlobo zentlawulo zibizwa ngokuba yi "Kopilkas" kwaye zifana namagama anengcamango, kuba ngale ndlela kulungele ukonga ukuthengwa okukhulu okanye nje ngekamva.

Iindidi ezahlukileyo zeentlawulo zebhanki kunye nemali ekuvunyelwene kuyo. Ezinye iibhanki, umzekelo, i-Sberbank, zinikela phantse zonke iintlobo zeepositi kwiimali ezahlukileyo, kwaye kukho iifomiti zemali ezininzi. Kuxhomekeke ekukhethweni kwayo kuyahluka kwaye inzala-inokuthenjwa ngakumbi kwaye izinzile imali, ezantsi.

Ngokumalunga nokuhlawula inzala, kukho okunye okukhethwa kukho: ukuhlawulwa kwabo ngenyanga okanye ekupheleni kwesivumelwano, okanye imali-mali (ukongezwa kwisixa-mali esiyiNtlawulo) nganye ngenyanga okanye kwikota. Kukulungele, xa kunethuba lokukhetha, okanye ukunika umdla ngokwalo lwebhanki. Inkonzo enjalo inikezelwa ngamabhanki amaninzi aseRashiya.

Oku phantse zonke iindidi ze-classic zediphozithi, ukudibanisa kunye nokuhluka kwazo kuvelisa ulwandle lonke lweemfuno ezizodwa ezivela kumaziko emali. Imali engenayo emgangathweni evela kwiifom ziyakulinganiswa nenqanaba lomngcipheko kumthengi: phezulu kwexabiso lotyalo-mali kunye nexesha lesivumelwano, ngaphezulu kwezinga. Ukwandisa amathuba okufumana inzuzo njengengeniso-mali kunye nokuzaliswa kwe-akhawunti.

Kukho izibonelelo ezikhethekileyo ezivela kumaziko emali. Ezi zibizwa ngokuba yi-indexed deposits, iingeniso ezixhomekeke kuyo into ethile, umzekelo, intengo yezinto ezinqabileyo zetye okanye ioli, isibonakaliso semakethe ye-stock, njl njl. Sebevele beli candelo lotyalo-mali, kwaye banezinto zabo ezikhethekileyo kunye nemiba.

Kubalulekile ukukhumbula

Xa ukhetha uhlobo lwediphozithi, kufuneka uhlawule ingqalelo kwiimeko kuphela, kodwa nakwiimbuyekezo ezongezelelweyo, iintlawulo kunye nezohlwayo. Iindidi ezahlukileyo zediphozithi zineempawu kunye neempawu zazo. Ngokomzekelo, ukuba isivumelwano siqeshwe kwangaphambi kwexesha, kunokubakho ukuhlaziywa komdla kwixesha elipheleleyo lokusebenza kwalo, kunye nokuhlawula i-akhawunti, ukurhoxisa inzala kunye nezinye iinkonzo zebhanki, zinokuhlawula imali ehlukile. Kuyafaneleka ukuba uqaphele ukuba iifom depositi kuphela, ixabiso elingaphaya kwama-ruble ayi-700,000.