"Ukuya kuthi ga kwi-30% ngonyaka": apho kufuneka utyale imali kwisigidi, ifakwe kwigalelo?

I-Russia Susa imali kwiidiphozithi zonyaka. Ekuqaleni wonke umntu woyikisa irhafu kwidipozithi, ioyile emlilweni yongeza isivuno esithile. Ngapha koko, ngoku inzala kwidipozithi ayisebenzi ukunyuka kwamaxabiso. Ngenxa yoko - abantu baseRussia abangafuni kuphulukana nokuqokelelwa kwabo bahambe kwi-stock yotshintshiselwano kunye neenkampani zotyalo-mali.

Kungcono ukutyala imali kwisigidi se-ruble, ifakwe kwigalelo ukufumana umvuzo oza kuthintela ukunyuka kwamaxabiso, naphi na xa kunokwenzeka ukuba aphephe irhafu, i-Bariros.ru ethetha nosihlalo weBhodi yeBhodi yeBhodi yeZizwe zeAlexander Zakoboxicov.

Ayisiyotshintshiselwano

Ukuba awukhupheli ekuqwalaseleni iidipozithi zebhanki njengesona siqhotyoshelweyo sotyalo-mali, kusekho izixhobo ezithile zotyalo-mali. Phakathi kwazo, kunokwenzeka ukuthenga ukuthenga kwentengiso kwimarike yesitokhwe (ngakumbi usebenzisa i-IIS), isithsaba (ukuboleka ngokudibeneyo (amaqonga otyalo-mali) kunye nemali mboleko yesakhelo somsebenzi wetyala Ingqungquthela (PDA).

Yimalini enokutyala imali

Bankros.ru.

Investments bangakwazi ukuzisa iinzuzo ezinkulu (ukuya kwi-20% ngonyaka kwi engange okanye 15% in lwemali), kodwa kwangaxeshanye, ukuba udibaniso kunye nemingcipheko ngokwaneleyo phezulu. Kuyenzeka ukuba ubanciphise ngokuthenga isabelo kwingxowa mali yotyalo mali (i-ETF), baquka izabelo zamakhulu eenkampani ngexesha elinye.

Kwakhona, inzuzo yotyalo-mali kwimarike yesitokhwe kukuba uninzi lwezinto ezikhoyo kuzo luthengwa kwi-ruble, kodwa zivavanywa ngemali, oko kukuthi, ungazivezi ukunyuka kwamaxabiso akho.

Iqela elininzi linokuzisa i-30% ngonyaka, kodwa sisixhobo esinengozi kakhulu, kuba iimboleko-mali ezikhutshwe yindawo yendawo yokulamla zihlala zinikezelwanga ngeeasethi ezingamanzi. Ke, kuzo zonke iimali mboleko ezili-10 eziphumelelayo, enye engasayiyo ifumaneka.

I-Caremitings of Opedions Ukunikela ukuya kwi-8.5% ngonyaka kwi-ruble, kule meko ayibonakali inomtsalane, ukuba le nto ingabambisanayo ikhuselekile kukhuseleko lwepropathi, emva koko sebenza ngekhephu elinokuthenjwa.

Ngaba kunyanzelekile ukuba ube yingcali?

Yiba nezakhono zotyalo-mali zotyalo-mali ukuze utyale imali ngempumelelo kwizigidi eziqokelelweyo, ngokoSomlomo, hayi. Uye waphawula ukuba ngoku siphila ngexesha lokutyala apho imali ayinzima ngakumbi kunoku-odola i-pizza okanye ukuthenga i-vacuum cleaner kwivenkile. Nangona kunjalo, kwangaxeshanye, kubalulekile ukugcina ububele kwaye ungakhokeli kwizindululo zabadliwayo, "abarhwebi".