Indlela yokonga imali? Indlela yokonga imali noxhaso

Kakade ke, le meko ezimbi kuqoqosho Russian iba nefuthe elibi kumgangatho wobomi lwabemi, leyo namhlanje kwilahleko ngokupheleleyo indlela yokonga imali. Ngokuchasene yangasemva kozinzo imali yesizwe, ixabiso ioli, ukunciphisa umthamo lotyalo mali kweli lizwe, lo mba ubaluleke kakhulu. Yaye akumangalisi ukuba abaninzi bacinga ngendlela yokonga imali kwezi meko ezinzima.

Le meko inzima, yaye ukungazinzi kwicandelo logcino. Ngenxa yoko, abemi akukho ngokunyanisekileyo, ukuba, ngokusebenzisa izixhobo ezifana ibhokisi idipozithi, nokuba yinto esisibambiso, uyakwazi ukugcina imali yakho. Yaye abagcine ekhaya "phantsi umatrasi" - Kwakhona azikhethekanga kakuhle.

Ubangelwa kukwehla kwezoqoqosho

Ngaphambi kokuba lo mbuzo ka ngokonga imali, kuya kuba ngcono ukuba isigqibo umbuzo wokuba kutheni uqoqosho eRashiya ngoku lokuzibona yeyona nto ilungileyo amaxesha. Izizathu zoku ziquka oku kulandelayo:

1. Umgaqo-nkqubo uxabene lwamazwe Koloni. ukwayo koqoqosho amagunya ezikhokelela Western, ukunciphisa inani zabatyali-mali bangaphandle, icandelo urhwaphilizo - konke oku kwayigqibezela kwiimalike zemali.
2. Ukuxhomekeka yoqoqosho Russian kumaxabiso oyile. Ngelishwa, uqoqosho Russian kuxhomekeke kurhwebo yorhwebo. Ukuwa kweendleko a Umphanda yeoli ngokuzenzekela kunciphisa izinga lotshintshiselwano engange, okubangela yibhanki eyongameleyo zasekhaya kuphakamisa kwenzala.

Thathela ingqalelo oku kungasentla, ngokwenene Kunzima kakhulu ukuqikelela leyo eya kuba luncedo ukutyala, singasathethi ngokonga imali.

uluvo isazi

Noko ke, abanye abantu kwezoqoqosho babekholelwa ukuba lizwe kwixesha elizayo silindele ukuba aza kuhla inqanaba ingeniso kunye nokwehla noboleka kwicandelo logcino. Kwisiqingatha sesibini sonyaka iimeko zoqoqosho kuphuculwe ngenxa ndinendawo kutyalo ezitsha kunye neeprojekthi.

Phantse zonke iingcali oyikholelwayo ukuba uqoqosho Russian, kunye nezinye izinto, uya kuqinisekisa bezopolitiko "icandelo": tell izimvo zabo Western amazwe aseYurophu ezama ukuphumeza amabango indawo.

Banking Sector Strike

Enye isixhobo onokuthi sineenjongo ezingatshabalalisa yoqoqosho Russian, icimile lizwe ukusuka kwinkqubo USWIFT ngamazwe. Ukuba oku kuyenzeka, ukukwazi ukulawula utyalo asentshona kwezengqesho obekwe kumaziko zebhanki amazwe aya kuncitshiswa abe zero.

Iindlela ukugcina imali yabo

Ngoko ke, indlela yokonga imali ngexesha lokudodobala? Kuba abathile, umphathi lo isisongelo kakhulu, kwaye umntu - amathuba. Kungenxa yoko le nto namhlanje ukuba ungakhethi kunoko ubukele, xa ilizwe lethu imeko yezoqoqosho ayinakolulwa. Ngokwahlukileyo koko, kuyimfuneko ukuba ukusebenzisa wonke umsebenzi kunokwenzeka kunye senzo.

utyalo-mali ezithengiswayo

Akuyazi into ukuthenga ukulondoloza imali? inzuzo na ukuthengwa komhlaba, yaye ndiya kuhlala, zokuhlala nezoshishino nemihlaba - yi "lwemali isitali". Kwangaxeshanye, asimele sibe silibale ukuba izindlu kunye ofisi ngokuhamba kwexesha atshiphu, ngoko umele uwuthenge emizini asakhasayo, apho ixabiso lazo kule minyaka izayo uya kuba oluthembekileyo.

Xa ucinga ukuba bathenge ukugcina imali, kufanele kuqatshelwe: abe ngumnini indawo obutofotofo, musa ukulindela ukuba uza kubuya kwiinyanga ezimbalwa bachitha lokuzalisa - kuya kuthatha engaphezu kweshumi. Ukuba abavumi ukuba alinde ixesha elide, ngoko ke umele ukhethe ezinye ulwando embodiments eyinkunzi.

Utyalo lwemali Foreign

Awunayo nayiphi na ingcamango ngokonga imali ngexesha lokudodobala? Eyona ndlela ilungileyo - ukuyiguqula ezinye i "nzima 'amazwe (EUR, USD, CHF). Ngokuchasene yangasemva engange ngeranti ukungazinzi, ngomlinganiselo bekuya kuba zifaneleke kakhulu. Kodwa nayiphi na imeko, inxalenye yengeniso yabo kufuneka zigcinwe lwemali kazwelonke, njengoko kunzima kakhulu ukuba baqashele ukuba iza kuba naye etsiba ngexesha elinye okanye elinye.

ifakwa

Ukuba unexhala kakhulu malunga nomba ngokonga imali evela kwamaxabiso, eyona mpendulo eqhelekileyo iya kuba: esebenzisa imali ebhankini. Nangona kunjalo, kufuneka ungalibali ukuba basisebenzise esi sixhobo kuluncedo kuphela xa imali kwakuthetha yokugcina ixesha elide, kwaye ilahleko yemali ingagqitha le pesenti. Ngaphambi kokuba emnike imali yakho, khangela ngenyameko ukuthembeka kwiziko logcino ethile. Of lonke uluhlu needipozithi zebhanki, khetha iimeko zikuvumela ukuba wenze iminikelo ngokuyinxenye ngokupheleleyo okanye ngaphandle kokuthotywa kwenzala. Kulungile ukuba sihlale imali yabo kwesinye isakhiwo zebhanki, kunye abambalwa (khumbula ukuba ubungakanani igalelo alisayi kuba ngaphezu mali ka-650 000 - iinkampani ze-inshorensi wosondeza siqinisekiso phezu ukubuyiselwa idiphozithi engange-700 000).

amatye anqabileyo

Abanye ukusombulula ingxaki ngokonga imali eRashiya, ngendlela yemveli nezingqinekayo - ukuba bafumane iintsimbi zabo ezixabisekileyo. Noko ke, ezinye iingcali zikholelwa ukuba kuphela lolusezantsi, kodwa ngendlela Kungumngcipheko ukulondoloza imali. Bacacisa isikhundla sabo kukuba nesilivere, nobhedu ayimveliso zotshintshiselwano-wasebenza, ngaloo ndlela ixabiso yabo uyatshintshatshintsha kakhulu. Inani elikhulu baseRashiya ukhetha ukugcina imali yabo negolide, njengoko intsimbi exabisekileyo ngonaphakade atshiphu, kodwa kuphela ezibizayo. Ukongeza, igolide has a ezifana uqinile, oko kuthetha ukuba nokuba emva kweminyaka eli-100, ungenza ukuyithengisa inzuzo.

Ukutyala imali Funds Mutual

Ufuna ukufunda ukulondoloza nokwandisa imali njani? Somrhaqa kubo omnye kwizakhiwo propati enokuthenjwa, nto leyo iza kulungelelanisa imisebenzi kwinkampani yolawulo. Olu hlobo ukutyala into, phakathi imisebenzi imali eninzi kunye needipozithi zebhanki.

Kwezithembiso kakhulu ngokwemiqathango yezibonelelo kucingwa ukuba utyalo mali bond kunye noninzi. Noko ke, zilungiselele ngenxa yokuba apha kufuneka ukuba ukwazi ukubeka esichengeni ngokuchanekileyo.

izabelo

Ukuba uxhalabile kakhulu malunga ngokonga imali eyenziwe ngokungagqibekange, kungcono ukuzihambisa inxaxheba kugwayimbo. Ezi izibambiso babe amatyala, ukuba uyazi indlela yokusingatha kakuhle kubo, unako kakhulu ngcono imeko yemali yakho. Kwakhona, asifanele sicinge ukuba ukuthenga nokuthengisa isitokhwe - oko kube lula umsebenzi oza kuzisa izibalo amangalisayo. Kufuneka sihlale rhoqo imbali yeziganeko: yonke imihla ekuhlalutyeni iindaba ngendlela ngexesha abe nxaxheba borhwebo kwaye akwazi ukudlala ngobuchule kwi umahluko exchange. Enoba kunjalo, uya kufumana ezi zinto zilandelayo: ingaba uza kuba ngusozigidi, okanye uya kuhamba alinamali.

iingcebiso jikelele

Ukuba awufuni ukuba belahlekelwa imali, iingcali anegunya bacebisa ukuba bathobele imithetho ethile yokuziphatha.

Okokuqala, ifomu ngokwabo -mali eza kugcinwa, nto leyo kwakhona qho ngenyanga kwi-mali ka-10% yemali yakho. Ukuba ngebhaqo kufika "imihla abamnyama" kuqoqosho, imali kuhlehliselwe ukunceda tide kuwe phezu "wasiyeka" kangangexesha elithile. Ukuba umnini weshishini, kufuneka kwakhona ukudala-mali eza kugcinwa, apho imali iya kuza iindleko ezingalindelekanga.

Okwesibini, funda ukusindisa. Kwiminyaka yakutshanje, kuluntu zenqanaba yokusebenzisa lakhula bebaninzi kakhulu xa ithengwe nje izinto eziyimfuneko kunye engeyomfuneko. Ixesha lobunzima kwezoqoqosho kunciphisa amandla okuthenga kwaye umboleki iqala ukuchitha ngobulumko imali.

Okwesithathu, hlaziya iindleko zekhaya lakho rhoqo. Cinga ngoko ingasuswa iindleko.