Abarusiya bakuraho amafaranga kubitsa umwaka. Ubwa mbere, abantu bose batinya umusoro kubitsa, amavuta yo mu muriro yongewe umusaruro ugabanuka. Mubyukuri, ubu ushishikajwe no kubitsa ntabwo byangiza ifaranga. Kubera iyo mpamvu - Abarusiya badashaka gutakaza ibirimo bagiye ku kungurana ibitekerezo n'amasosiyete ashora imari.
Nibyiza cyane gushora ingana na miriyoni, umwasaro wintererano kugirango ubone amafaranga azahagarika imisoro kandi igihe cyose bishoboka, bishoboka
Ntabwo guhanahana imigabane no kubitsa: Ni ubuhe buryo?Niba utabikuye kubitekerezo bya banki nkimwe mumikorere yo hasi yishoramari, noneho haracyari ibikoresho bishimishije. Muri bo, birashoboka guhamagara kugura impapuro ku isoko ryimigabane (cyane cyane gukoresha IIS), kugana ku giti cye ndetse no ku giti cye, bikunze kwitabwaho by "imyanya y'ishoramari") kandi inguzanyo mu rwego rw'umuguzi w'inguzanyo Amakoperative (PDA).
Amafaranga angahe ashobora gushora imari
Ishoramari rishobora kuzana inyungu nyinshi (kugeza kuri 20% kuri buri mwaka mu mafaranga cyangwa 15% mu ifaranga), ariko icyarimwe, bari bafite ingaruka nyinshi. Birashoboka kugabanya mugukoresha umugabane mumafaranga y'ishoramari (ETF), barimo imigabane yamajana kurimara icyarimwe.
Nanone, ibyiza by'ishoramari mu Isoko ryimigabane ni uko umutungo munini ugurwa ku mafaranga, ariko ugasuzumwa mu ifaranga, ni ukuvuga kubatunga, ntugaragaza ifaranga ryawe rya Ruble.
Kubantu benshi barashobora kuzana 30% kuri buri mwaka, ariko nigikoresho giteye akaga cyane, kubera ko inguzanyo zitangwa nurubuga rwubuhuza mubisanzwe ntabwo zitangwa numutungo wamazi. Rero, kuri buri nguzanyo 10 zatsinze, imwe itabazwa rwose irashobora kuboneka.
Amakoperative y'inguzanyo atanga kuri 8.5% kuri buri mwaka mu majwi, kuri iyi nsanganyamatsiko ntabwo asa nkaho ari inguzanyo gusa kumutekano wumutungo utimukanwa, hanyuma ukore hamwe nabyo ni amahitamo yizewe.
Birakenewe kuba umunyamwuga?Gira ubumenyi bwishoramari mu rwego rwo gushora imari yashinjwe miliyoni imwe, nk'uko uwatanze disikuru, ntabwo ari ngombwa. Yavuze ko ubu tubayeho mugihe gushora imari bitari bigoye kuruta gutumiza pizza cyangwa kugura icyumba cya vacuum mububiko. Ariko, icyarimwe, ni ngombwa gukomeza ubwenge kandi ntuganisha ku byifuzo by'abashuka mu bukati, "abacuruzi b'ibitangaza" na Infozegan.