Investment, kunyanya mumusika wemasheya, ungaita sezvakanyanya kuomesa kuzvitora ivo vari voga. Muchokwadi, munhu wese anogona kuzvinzwisisa, iwe unongoda kunyatsoongorora izvo.
"Tora uye ita" unoudza uko kuti utange mari - kubva pachinangwa chechinangwa uye sarudzo yezviridzwa usati waita chirongwa uye zviito zvekutanga.
1. Isa chinangwa
Chero mari yekudyara inofanirwa kuve nechinangwa. Pasina iyo, njodzi huru yekuputsa uye kushandisa kuunganidzwa pane yekutanga chinhu chinokwezva. Heano mienzaniso yezvinangwa zvinogona kusarudzwa kuti uwane ramangwana rekudyara:
- Kutenga kukuru (furati, imba, mota, michina);
- chikuru chirongwa (kugadzirisa, kutamira kune rimwe guta kana nyika);
- rwendo;
- dzidzo;
- mari inowanikwa;
- Pension.
2. Bvisa zvikwereti zvakakura
Kana iwe uine zvikwereti zvine huwandu muzana hwakakwira kupfuura hwakafungidzirwa kuti purofiti yekudyara, kutanga vavhara. Zvikasadaro, iwe unoramba urimo muMinus, nekuti kufarira kwezvikwereti kuchasunungura capital kuwana kubva pakudyara.
3. Gadzira Reserve yemari
Chengetedzo yemari ndeyemari yemari yemamiriro ekukurumidzira sekurasikirwa kwebasa, zvinyararire zvehutano, kupwanya kwemidziyo mikuru, etc.Chin kuzvirumbidza kuchabatsira sekukwanisika kusvika dambudziko racho ragadziriswa. Semuenzaniso, usati wagamuchira basa uye muhoro wekutanga munzvimbo itsva. Zvakakodzera, reserve yemari inofanira kukwana kwemwedzi 3-6 yehupenyu isina mari. Investment pasina kuchengetedza kwemari kunosanganiswa nenjodzi. Pamurwakukwana ekutanga zvichafanira kutengesa zvinhu. Nekuda kweizvi, tinogona kurasikirwa nechikamu chekukosha kwavo, kana panguva yekutengesa zvinhu zvakakumbira mari.
4. Sarudza chishandiso chekudyara
- Deposits. Ivo vanoonekwa sevanochengetedza mari yakachengeteka, nekuti mutengo wemari unowanzogadzikana kunyange kutora nyaya yekuverenga. Kuti udzivirire kuunganidzwa kwazviri uye kuwedzera capital zvishoma, investa muZvakaundi Zvekubhadhara nemubhadharo wekubhadhara.
- Iyo pfuma. Kazhinji, varidzi vemari vanozvitenga kuti vaendere kana kurenda. Yekutanga inokutendera kuti uite purofiti kubva pamutsauko pakati pekutenga nekutengesa, uye yechipiri inowanikwa mari yakawanda. Nekudaro, inofanira kutakurwa mundangariro kuti investment mune yezvivakwa inoda mutengo wakakosha uye guta guru rekutanga.
- Zvimwe zvinhu zvepanyama. Izvi zvinosanganisira mota, mhizha, pamwe chete, matombo anokosha uye simbi.
- Stock. Kutenga migove, iwe unova muridzi wechikamu chekambani yakavaburitsa. Mahombekombe anogona kukura kana kudonha mumutengo, uyezve mari yemari yekudyara ichave mutsauko pakati pemutengo wekutenga uye wekutengesa. Uye zvakare, iyo kambani inogona kugovera chikamu chehunhu uye muripe zvakamura kugovana.
- Zvisungo. Kutenga chisungo, iwe unopa basa rekusangana iro rakaburitsa pepa rinokosha. Ivo vanogona kunge vari makambani akazvimiririra, matunhu emasiyi kana nyika. Mutengo wemusika wekusungirwa unoshanduka nenzira imwechete sematanda, saka iyo Investor inogona kuwana musiyano uripo pakati pekutenga uye mutengo wekutengesa. Uye zvakare, iyo Bond inoburitsa inobhadhara kufarira chiyero chakatsanangurwa mukuchengetedza chengetedzo. Kazhinji kaviri pagore.
- Mari. Aya masangano akazvimirira anounganidza mari yekuchengetedza zvigadziko zvePortificio: Akagoverwa, etc. Kutenga chikamu chehwaro, iwe unowana chidimbu chekudyara portfolio mutariro yekukura kwayo. Mari inogona kukubatsira kuunganidza kuchengetedzwa kwakaringana portfolio pasina kutenga yega yega uye kutevera mutengo wemitengo.
Kuisa mari mune yekupedzisira masafuti iwe uchazoda kuvhura account yekubika.
5. Wongorora chishandiso chakasarudzwa
Chishandiso chimwe nechimwe chinodyara chine nhumbi dzayo. Zviongorore usati waisa mari. Sezvo zvinyorwa zve ruzivo rwakakodzera:
- Nyanzvi dzakakosha internet portals yevatange vagadziri;
- Mabhuku uye zvinyorwa mabhuku (semuenzaniso, iyo yakakurumbira Besseller Benjamin Graham Graham "Inonzwisisika Investor");
- Online makosi kubva kune yakakura broker kana internet nzvimbo (semuenzaniso, Edx kana koni);
- Investment Podcasts;
- Nzvimbo dzeMasangano Nhau dzaunogona kutevera zviitiko zvazvino mumapasirese.
6. Tsvaga iyo investment inosiyana kubva mukufungidzira
Investment imari yemari kana zvinhu zvemuviri zvakawanikwa kuti uwane mari yekuwedzera kana kuwedzera mutengo mune ramangwana. Kufungidzira ndeyekutenga kwemari uye kutengesa kushanda. Iyo inosanganiswa nenjodzi yakakosha yekurasikirwa kwemutengo wese, asi panguva imwechete nekutarisira kwekubatsira kwakakosha. Zvekudyara chiratidzo:
- nguva refu kuronga kukwira;
- avhareji njodzi njodzi;
- Zvisarudzo zvinoenderana nekubhadhara uye zviratidzo zvemari.
Specs inosiyaniswa:
- nguva pfupi pakati pekutenga nekutengesa chinhu;
- yakakura njodzi mazinga;
- Solutions yakavakirwa pane yehunyanzvi data (semuenzaniso, chati yekukosha kweMagariro), musika psychology uye maonero emunhu ePfullat.
Kufungidzira kwakatakura njodzi yakakura yekurasikirwa kukuru, saka ivo vanofanirwa kuve vanongwarira uye kusavhiringidzwa nekudyara.
7. Gadzira chirongwa uye tanga kuisa mari
- Sarudza bhajeti. Chimbofunga kuti iwe unogona kugovera mari yakawanda sei yekudyara. Izvi zvinogona kuve mupiro wenguva imwechete (semuenzaniso, kana iwe uchida kuisa mari yako yekuchengetedza) kana pamwedzi. Muchiitiko chekupedzisira, chinokurudzirwa kugovera mari inosvika makumi maviri muzana yemari yemwedzi. Kana zvichiratidzika kunge yakakura manhamba, ingo nyorera kuti iwe unonyatsogona sei, uye nekufamba kwenguva, wedzera huwandu.
- Isa nguva yekupedzisira. Sarudza iyo nguva iyo yaunoisa mari. Zvinoenderana nechinangwa chako. Dzimwe hunhu kwenguva refu (semuenzaniso, imba uye pension), vamwe ipfupi (kufamba uye kugadzirisa).
- Iyo degree rekutora chikamu mukudyara. Funga kuti kusatora sei kutora chikamu iwe kwaunoda kutora mukukwevera yako portfolio. Vagadziri vanogovaniswa vachishanda
- Njodzi. Izvo zvakakosha kuyeuka kuti mari mune chero zvishandiso zvinobatanidza nenjodzi. Naizvozvo, invest mari idzo chete iyo iwe yausingazotendi mumwedzi mishoma. Zvakare tsanangura kuti rudzii rwekudhirowa rwe portfolio iwe wagadzirira kugamuchira, uye izvo zvisiri. Zvichienderana nedhigirii yengozi, sarudza zvimwe zvinochengetedza mari yekudyara mari yePortfolio (deposits, zvisungo) kana, pane zvinopesana, zviyero (zviyero).