Utyalo-mali ofanelekileyo, okanye apho ukutyala imali ukulungelelanisa imingcipheko kwaye ufumane ingeniso alunakuqinisekiswa.

imithombo eyahlukeneyo, kukhethwa izixhobo ezahlukeneyo. Indlela ukuqonda ulwazi ziyaphikisana nalapho ukuba utyalo kakhulu ngempumelelo?

iqela Investment

Ngelishwa, le isixhobo utyalo-mali ifanelekileyo eqinisekisa ukuba inzuzo kunye isivuno ultra-high kunye ezincinci umngcipheko kwemaliu akakho. akhawunti idiphozithi kwimigangatho kuvumela ngokhuseleko olubonakalayo zotyalo-mali, kodwa ube umvuzo omncinane. imali Mutual, kwaye PAMM-akhawunti inokuba nenzuzo kakhulu, kodwa umngcipheko wokulahla imali uphezulu kakhulu. Xa umlinganiselo lokubuya kunye nomngcipheko zonke izixhobo leengcali zotyalo ngokuqhelekileyo yahlulwe ngokwamaqela amathathu:

1. Conservative. Lubonakala yi amatyala aphezulu kunye nokhuseleko isiqinisekiso kwinqanaba ubuncinane inzuzo. Ezi ziquka akhawunti sedipozithi iibhanki, amatye anqabileyo (bullion, iinkozo), iintlobo ezithile impahla.

2. Ukulinganisela. Lubonakala ngokuba isiqinisekiso eliphezulu ukhuseleko kunye inqanaba koko isivuno (ukuya kwi-35% ngonyaka ngamnye). Ezi ziquka utyalo-mali kwishishini, iintlobo ezithile mali mutual kunye ezithengiswayo.

3. Nophuma. Iphawuleka nje ithuba imivuzo ephezulu (ngaphezu kwe-100% kunyaka ngamnye) kunye nengozi ephezulu yokulahlekelwa zonke okanye phantse zonke. Ezi ziquka PAMM-akhawunti kunye neentlobo ezithile mali efanayo.

ipotifoliyo yotyalo-mali

A elungeleleneyo ipotifoliyo yotyalo-mali, nto leyo ibandakanya onke amaqela zotyalo amathathu, inika ithuba nje ukulondoloza kodwa ukwandisa ikomkhulu labo. Isabelo iqela ngalinye kwiphothifoliyo ixhomekeke ozilindeleyo kunye umdla wokwenza womngcipheko. Le theyibhile ilandelayo ibonisa indlela zimbini ziqhelekileyo ukuba utyalo nekucetyiswa ngenxa ratio imali:

Izixhobo ugcine attachments uzithatha

ukutyala imali kuwe kubatyali-ndlongo

ixabiso kakhulu kwaye bazimisele ukubeka

Conservative 50% 20%

Balanced 40% 30%

Nodlame 10% 50%

Imfundiso investment portfolio wawongwa ngeMbasa kaNobel ngowe-1990 kwaye iye ndizilingile yokwenza oku kube yimpumelelo. Njengokuba unqwenela, ungakhetha apho ukutyala, kwakunye nokwanda okanye ukunciphisa isabelo iqela ngalinye kwipotifoliyo yayo.

izixhobo Investment

Sicinga esisiseko izithuthi zotyalo-mali kakhulu ethandwa ezintandathu uninzi abatyali ziquka kwiiphothifoliyo zabo.

Idipozithi akhawunti e kwiibhanki. Amaninzi ibhekisa bezixhobo zotyalo endala. Eyona kakuhle needipozithi zebhanki ukuba utyalo-mali unako ukurhoxisa yonke okanye inxalenye nangaliphi na ixesha. The main ethile - kwenzala phantsi, nto leyo edla musa nokuba ukugubungela kwamaxabiso. Xa imali idiphozithi akhawunti zeebhanki zifakiwe kwi-inshorensi idipozithi, yaye ufumana ubuncinane imali ephantsi kodwa qinisekisa, nto leyo phantsi ukuhla kwaye inika nqanaba liphezulu ukhuseleko imali yakho. Kucetyiswa ukuba basebenzise ugcino, ukuqokelela imali kunye / okanye ukuhlawula iindleko ezingalindelekanga.

Gold. Ukuba sicinga igolide eziphathekayo (bullion, iingqekembe) kwaye virtual-akhawunti, ngoko kokwabo izixhobo izimali. The main lobubi:

• iindleko ezingenakuthintelwa ezongezelelweyo, obuquka ukuthengwa kunye nokugcinwa yegolide kunye nezinye amatye anqabileyo (irhafu yentengo, ekhuselekileyo ukuba irente, i-inshorensi);

• ekungakwazini ukuqikelela ixabiso, umzekelo, kwiminyaka yakutshanje, igolide ubonisa isivuno eliphezulu, ngeli xesha, kude kube ngoku, kuba malunga nama-20 iminyaka, ixabiso wahlala kwinqanaba elifanayo.

Le asset Kucetyiswa ukudala ingxowa-mali Ukuzinziswa kwimeko Iezothuso ezinkulu ezifana iingxaki zehlabathi, emali, njalo njalo. N. Ekubeni ngegolide anqabileyo insimbi kukhona uncorrelated kunye nezinye ii-asethi (estate lenene, izibambiso, njalo njalo. P.), ubukho babo kule ipotifoliyo yakho iya ukukhusela imali yakho nxamnye imvelaphi ukuwa market stock.

Estate Real. Oku kunganxulunyaniswa zombini isixhobo endala efezekileyo ukuze utyalo-mali. Xa kuthengwa ezithengiswayo ukuba ingeniso kuyimfuneko, okokuqala, ukuba ekuqaleni isixa enkulu, yaye okwesibini, ukuba bakwazi ukuvavanya emarikeni kunye ukuqonda yayo. Kungenjalo, le mali ngempumelelo. The main ezingeloncedo - iindleko ulondolozo kunye nokulungiswa, ukuphelwa lixabiso. Xa ukuqasha impahla - abaqeshi abanganyanisekanga, esinokubangela umonakalo kwipropati yakho, okanye, umzekelo, ngaphantsi abamelwane bezandyondyo ngokwenjenjalo kubeka phezu kwakho iindleko ezongezelelweyo. Ngaphandle kwento yokuba kufunyanwe indawo yokwenene akuqinisekisi nantoni na, oko kwenza inkonzo elungileyo ukuba ibekwe kwindawo elungileyo; kwanaxa ngamaxesha obunzima, izinto ezinjalo lula ukufumana abahlala zabo.

utyalo-Business. Ngokukhetha kakuhle kotyalo into, ogama ukuthembeka ingqinwa usisiqinisekiso amaqela angaphandle kunye / okanye izibambiso, le mali ingabalelwa isixhobo utyalo-mali ezinzileyo. Eyona Inzuzo lotyalo-mali loshishino - amazinga enzala ngaphezulu kwiidipozithi zebhanki, njengoko akhuphe-mboleko ngqo, okt ngaphandle ukubandakanyeka middlemen. Le ethile iphambili ukhetho lotyalo-mali loshishino kwi Internet - kwiindawo ezininzi akukho mntu uqhuba iimvavanyo iiprojekthi ezingenisiweyo. Ngenxa yoko, akukho siqinisekiso sokuba yembuyekezo kunye nenzuzo-mali.

Kutshanje, Noko ke, kukho iziza mboleko online ukuba, Gcina inzuzo engundoqo - izinga-mboleko kwi-15 ukuya 35% bakwazi ukunika isiqinisekiso aphezulu ukhuseleko mali imali, ukungafihli kunye nokufikeleleka zombini abasisi kubaboleki:

1. ukuthembeka nokunyaniseka. Iiprojekthi lipapashwa kubaboleki ukutshintshiselana ezinjalo kuphela emva kokuhlola ukuthembeka kunye yokuhlawula amatyala. Ngenxa yoko yokuqokelela kunye nohlalutyo nengcaciso kanye, kunokuba urhulumente ebhengeziweyo bemicimbi (amaxwebhu ezilawulwa, ngokusekelwe kuhlalutyo ingxelo ulawulo ngenxa iitshekhi zobuqu, eziqhutywa ziingcali entsimini ishishini) abatyali kufumana yonke ingcaciso eyimfuneko malunga amathuba ophuhliso kunye olunokubakho nobungozi lweshishini ababoleka imali ezinokwenzeka.

2. Iziqinisekiso buyiselo. Izibophelelo ze kubaboleki kubatyali enikiweyo usisiqinisekiso wesithathu okanye izibambiso.

3. Risk Management. Kuxhomekeka indlela ekhethwayo nolawulo lomngcipheko, ungakhetha iiprojekthi-high isivuno kunye ukuthembeka ephantsi-rated kunye yokuhlawula amatyala, okanye ukutyala imali kwishishini eye uzinzo amanqaku aphezulu, kodwa irhafu ngaphantsi kwi mboleko. Unako kwakhona wenze mboleko kuba yinxalenye Imali ecelwe neqela labanye abatyali kuphela.

imali Mutual. Ngokuxhomekeka kuhlobo mali (iimali bond, "chips blue", indawo njalo njalo. P.) Yaye indlela yotyalo wenkampani yolawulo (umzekelo, inkampani ukhetha kwizabelo zeenkampani ngokukhawuleza olukhula) olu hlobo imali kunganxulunyaniswa kokubini elungeleleneyo kwaye lwezixhobo zotyalo-ndlongo. Inzuzo ephambili - ayifuni utyalo ezinkulu ekuqaleni, ukulawula imali yakho ngabaphathi abaqeqeshiweyo. The main lobubi:

1. ukuntsonkotha oyikhethileyo. Okwangoku, kukho ngaphezu 30,000 Iimali mutual ehlabathini, nto leyo ngokufuthi ekhokelela ekubeni khetha eyona ilungelene ukulungiselela iinjongo zakho abaqeqeshiweyo kuphela fund.

2. Akukho zemvume. Ngokomthetho, funds mutual banelungelo lokuthetha kwinqanaba inzuzo ithuba zangaphambili kuphela. Ngenxa yoko, umlinganiselo lomngcipheko kunye nenzuzo inokuba yiyo nayiphi t. K. Isivuno azifani, kodwa Ilahleko cha qinisekisa.

3. Iindleko olu. iinkampani Management indleko yikomishoni ukuya kwi-5% of the igalelo kunye neziphumo, kwakunye inkonzo ngohlobo umndilili wepesenti yonyaka itsalelwa, ezihlawulelwa kwinkampani yolawulo a, nokuba le mali ubunzima ilahleko.

PAMM-akhawunti. Enye lwezixhobo zotyalo-mali kakhulu ndlongondlongo. Apha kukho yinzuzo ngokukhawuleza kwaye inzuzo kakhulu kunye namathuba eziphezulu yokulahlekelwa yonke imali utyale imali ixesha elifutshane kakhulu ixesha. Nokuba ukhetha ngenyameko uphathe-akhawunti yakho (umrhwebi), owaba amazinga aphezulu wokubuya kwixesha elidluleyo, oko akuthethi ukuba utyalo ekhuselekileyo kunye nenzuzo.

isishwankathelo

Okwangoku, kukho inzuzo yemali esifumanekayo phantse wonke umntu, nokuba nemali eyinkunzi ekuqaleni. Uyakwazi ukulawula isininzi yotyalo-intanethi, nayo leyo usinika uluhlu amathuba akho. Ukuba ulawulo ngaxeshanye zonke izixhobo zotyalo inikwa kuwe mngeni kakhulu, kucetyiswa ukuba ukhetha i isixhobo elungeleleneyo, ezifana notyalo-mali ishishini. Xa imali iiprojekthi zeenkampani ezahlukeneyo (ezifana-high imveliso kunye iziqinisekiso aphezulu ngokosuku), wena ufumane i portfolio kakuhle, aziqhuba isixhobo nje olunye utyalo-mali.