Phi nendlela ukutyala imali ngamazinga aphezulu umdla?

Ukuze siphile ngaphandle koovimba zemali mini ngemvula - isigqibo kakhulu. Nkqu nangona imeko enzima kwelo lizwe, uyakwazi ukuhlaziya mali usapho lwakho ukuba uqale ukulondoloza imali, ukudala ngoko ukuba ababetheki kakhulu zemali. Kungekudala umbuzo ekugqibeleni kuvela njengoko apho ukutyala imali ngamazinga aphezulu umdla, kuba iingcali ningenzi sidinwe ephindaphinda, ukuba izimali kufuneka asebenze endaweni elele ubunzima abafileyo kwenye indawo yokugcina.

Idipozithi olwenzeka njengesixhobo

idiphozithi Bank yeyona ndlela yeyona iqhelekileyo elula kokonga imali. Ngelishwa, kuphela, kodwa hayi nande. Noko ke, ukuba imali zakho zisencinci, ungasebenzisa iinkqubo imali yeebhanki njengesixhobo beqokelela isixa eyaneleyo imali kwezinye iiprojekthi. Kulo mzekelo, abantu basoloko umnqweno ukutyala imali ngamazinga aphezulu inzala, kuba ufuna ukufumana inzuzo kakhulu. Noko ke, umgaqo elula usebenza kwimarike eliyibhanki: iipesenti aphezulu zinika iibhanki abatsha kancinane-yaziwa, kwaye umbutho endala nezingqinekayo ukuze sisinde kule ntlekele odlulileyo, yabamba kwinqanaba eliphakathi ngakumbi umdla. Ngaba kuluncedo esichengeni, sithemba imali yabo ibhanki ngoxa umhla-nye ezincinane?

Kuzo zonke iibhanki ezisebenza kwilizwe lethu, yenkxaso yehlabathi ejijekileyo kunye ukuzithemba abagcinisa enjoy Sberbank of Russia. Le ibhanki inika elona nani likhulu akhawunti dipozithi, ukuthatha imali eluntwini. Ubuninzi wenzala kwiidipozithi engange yi 9,07% ngonyaka ngamnye kwigalelo ngaphandle ithuba ngokumpontshwa kunye nokususwa buso. Ngaba kunokwenzeka ukuba ukutyala imali kwi kwenzala aphezulu kwi-Savings Bank? Kakade ke, unako. Kufuneka uthathe ingqalelo ukunyuka aqikelelweyo ikota yonke le dipozithi. Ukuze ufumane zizityebi kwi akhawunti imali akathandi kusebenza, kodwa unokugcina inokuqokelelana imali-mali kwixesha elizayo. Ukongeza, lo mkhwa ukuhluba ezinye ngengeniso nkalo zayo, ngokufunda beqokelela eyinkunzi.

Apho ukutyala imali ngamazinga aphezulu inzala: khetha uhlobo lotyalo-mali

A akhawunti idipozithi kwindawo ekhuselekileyo ibhanki kucingelwa ukuba yenye yezona kakhulu umngcipheko-free, kunye imali encinane. Kuba baninzi kwengqondo ngaphezu ingeniso okulindelekileyo, nangona lithe ngokuba ingongoma okuqhubekayo umbono. Oku kwenzeke ubukhulu becala ngenxa yokungaqiniseki amakhono abo okanye ngenxa yokuswela ulwazi olufanelekileyo kunye nezakhono. phi enye utyala imali ngamazinga aphezulu umdla ukwandisa kakhulu ikomkhulu labo?

Kwiimeko ezininzi, iingcali zinika iinkalo zotyalo-mali zilandelayo:

• indawo kunye amatye anqabileyo;
• securities (esitokisini izitropu);
• zonke iintlobo-mali efanayo, lo PAMM-akhawunti, lo mdlalo kwi lonaniselwano "Forex";
• ishishini lakhe;
• ezinye iindidi mali.

Nganye kwezi okulungileyo ngendlela yaso, okuhambisana bayo namaqhuzu ezingafani yenzuzo. Siza kuqwalasela zonke iintlobo zotyalo-mali iinkcukacha ezingaphezulu.

Investments izindlu kunye amatye anqabileyo

Kukho utyalo-mali lwexesha elifutshane kunye ixesha elide. ezithengiswayo kunye amatye anqabileyo nje utyalo-mali lwexesha elide kwaye bayakwazi ukuzisa ingeniso elungileyo ngokwenene. Ungatyala imali ngamazinga aphezulu inzala, ukuthenga isixa esithile lebhanki yegolide. Le ingot kufuneka agcinwe kwiimeko ezizodwa, ekubeni nesimo yayo (imikrwelo, ndi) ukuze ukunciphisa ixabiso lokuthengwa. Ukuze athi indleko yekhapitali liye landa kakhulu, kuya kuba kwiminyaka elishumi okanye engamashumi amabini, okanye ngaphezulu.

Ehlabathini ishishini ngendlela efanayo na indawo, kodwa apha kukho ezinye bokuqonda. Imarike real estate ngonyaka, amaxabiso kuwa ngezantsi kuthengwe - oku ngokuqinisekileyo ilahleko. Kwakhona kuyenzeka ukuba ipropati abazifumene sibekwe kwindawo eziza ngokutsha. Akukho namnye ofuna imali yakhe ukuba ukudilizwa, yinto kobuxhakaxhaka ezongezelelweyo kunye ilahleko.

Utyalo-mali esitokisini bond

Izibambiso babe amatyala eziphakamileyo, ingakumbi xa kwenzeka ukutyala imali ebhankini kwi inzala aphezulu inkampani action ngendlela enokuthenjwa okanye iintambo ezihlawula. Ukubala ukuthembeka inzuzo kutyalo-mali ezinjalo, okanye kufuneka baqonde kakuhle ngokwaneleyo emarikeni izibambiso, okanye ukufumana umcebisi mali elungileyo.

Kwizabelo, Kakade ke, musa ke ahlawule inzala esisigxina,, ukuba ngumnini sabelo kwinkampani nenzuzo, ungakwazi ukubala isabelo sakhe yenzuzo. Nezahlulo onokufaniswa amazinga aphezulu inzala, ekugqibeleni akundincedi zikwabangela evela kutyalo-mali. Ngapha koko, wathembisa stock zenkampani ngokukhawuleza kwaye abaye besanda ngokwanda ixabiso.

"Forex", yaye fund nokuhloniphana PAMM

Ukurhweba kwimarike exchange angaphandle "Forex" kunokuba ibe ngaphezu inzuzo, kwaye ujikajikana iintloko abarhwebi ezininzi ekuqaleni. Intengiso kwi Internet uthi akafuni kufuna phantse nto - udinga ikhompyutha, isixa esithile semali ukuqalisa ephakathini kwaye abe ngusozigidi. Uyakwazi imali kwi inzala efunyenweyo njengoko ingeniso emva intengiso lwemali kuthakazelelwa. Ukuziqhelisa, uninzi abarhwebi abatsha zibhuqiwe, yokungabi ixesha ukuqonda ngokwenene imithetho yomdlalo. Amathuba inzuzo enkulu apha ecaleni kunye emngciphekweni omkhulu.

PAMM-akhawunti nabo babe emarikeni "Forex", kodwa ke ngelo xesha wena ukholose imali yakho kulawulo yomrhwebi abanamava, ngethemba ngexesha elifanayo inxenye yenzuzo.
PAMM-akhawunti kwethu kakhulu, zonke izigqibo ezenziwa ngumphathi, kodwa iingozi koku lincitshiswe. Apha uqalisa ukusebenza lo nemeko yomntu, umphathi ungenza impazamo kunye intengiselwano, kunye nezimvo zakho ziya kulahleka.

Fund Mutual --mali efanayo. Ityale imali isabelo kungenzeka ebhankini, kwaye kufuneka kwakhona umphathi okanye umphathi, ngubani na oya kuqhuba yonke imicimbi zotyalo-mali. Iingozi apha ngaphantsi thile kwe emarikeni "Forex", kodwa impumelelo utyalo-mali kulo mzekelo nayo ukwazeka kakhulu.

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Ungakhangela iindlela ukutyala imali ngamazinga aphezulu umdla kwinyanga ephelileyo kwaye siyathemba ukuba ibhanki akazange benqumamise emboniselweni mvume kunye nokunyuka kwamaxabiso ngaphandle sikhokelo ezithile ezifanelekileyo. Noko ke, kukho uguqulelo onamandla angaphezu - vula ishishini lakho inzuzo. Kuxhomekeka kwiindawo ezikhethiweyo zomsebenzi, nenzuzo ungaba kuze 300%, akukho ibhanki ayiyi kunika ukuziphilisa enjalo.

Kakade ke, kufuneka kuqala ukufunda umba, ukutyala ulinde ixesha lokuqala de ishishini kuya nokwanela. Ukuba inzala kutyalo-mali kunye kwakhona iindleko ukulawula ukuphuma kulo nyaka, nto ke yinto isiqalo enkulu, yaye ixesha elide, ukusuka kwiminyaka emithathu ukuya kwemihlanu, akujongwa intlekele, ukuba uphuhliso oluzinzileyo kunye nesimo sengqondo esihle.