Ungayenza malini imali kutyalo-mali

Umtyali-mali we-novice uhlala ekhathaza lo mbuzo uphambili: Ungazenza malini utyalomali? Ngaba kufanelekile ukwenza le nto ukuba ingenelwe njani? Okanye mhlawumbi kube lula ukufumana igalelo ebhankini kwaye enze nto?

Yintoni onokuyityamba imali

Zininzi iindlela onokukhetha kuzo kutyalo-mali lwemali, kwaye utyalomali lwahluke kwimbuyekezo kunye nomngcipheko wabo. Kwimali apho kukho umthetho ongafikelelekiyo: Ukuphakama kwengeniso, okukhulu emngciphekweni.Izabelo

Utyalomali lwenziwa ukwahlula iiklasi ezahlukeneyo. Oko, umzekelo, utyalomali esitokisini, izabelo kunye neebhondi. Izabelo zezokhuseleko lobulungisa, ukuthenga isitokhwe, umtyali-mali uba ngumnini weshishini, unokufaka ibango lesabelo kwingeniso yengeniso kunye nenzuzo ekukhuleni kweekowuti.

Iibhondi

Ngokungafaniyo nolwabelo, iibhondi zizixhobo zamatyala. Zisondele kwidipozithi ebhankini. Umtyali mali unokubala iintlawulo eziqinisekisiweyo zekhuphoni ukuba zibonelelwe ngokukhululwa kunye nokufumana isixa esithile ekupheleni kwekota. Kodwa ngokuchaseneyo negalelo ebhankini, umtyali mali unokuthengisa ibhondi nangaliphi na ixesha kwaye afumane ixabiso layo lentengiso.

I-PAI Imali

Ukongeza kwintengiso ezimeleyo yezokhuseleko, kukwakhona neendlela ezihlanganisiweyo zotyalo mali ngoncedo lweemali zotyalo mali ngoqoqosho. Ingxowa-mali yiphuli enye yeemali ezihlanganisene kubatyali-mali, eza kulawulwa ziingcali kwaye isetyenziselwa ukufaka imali ngokukhuthaza enye, iibhondi kunye nezinye izinto zexabiso.

Iimpahla, izahlulo

Ithiyori, utyalomali lukwaquka utyalomali kwi-Orivaurives, ukuba zenziwe ukuba zingakuthengiswanga okanye zithengise iiasethi ezibaphantsi okanye zezinto zegolide, ioyile, i-oyile, izenzi, kodwa ukuze zizuze iikowuteshini. Nangona kunjalo, olu hlobo lotyalo-mali lolona lunokuba luyingozi kwaye lukufanelekele kubathengi babucala, ngakumbi abaqalayo.

Igolide

Uhlobo lwangasese kutyalo-mali kunye nobungqina bayo-ukuthenga iintsimbi ezixabisekileyo. Ngelishwa, ngelixa intengiselwano ngentsimbi yokwenyani ihlawuliswa ngexabiso ngexabiso longezwa, olu hlobo lotyalo-mali aluhlali lungaphuhliswanga kwaye aluboni ngokupheleleyo.

Iimali ezi-GARTE

Ekhaya sibiza utyalomali ukuba sithenga imali okanye ipropathi yokuthengisa. Ngokuthetha ngokungqongqo, akunjalo. Ukusuka kwindawo yokujonga iMfundiso yoTyalo-mali kwezi asethi ayihambelani notyalo mali. Iimali - icandelo alizimali, kunye neemarike zemali, kunye nepropathi ye-EPROSE-Jikelele ingcinga zizimeleyo ngokupheleleyo. Nangona kunjalo, ngenxa yokujonga umtyali-mali rhoqo, ezi zinto zizinto zokuhlala imali.

Izinto zobugcisa kunye nezinye

Enye, ngokukhulu, indawo enkulu yotyalo-mali kukuthenga imisebenzi yobugcisa, i-antiques, njl njl. Nangona kunjalo, ukuze kuhlangatyezwane nolu hlobo lotyalo-mali, kuyafuneka ukuba uqonde kakuhle kakuhle. Olu hlobo lotyalo-mali alunguye wonke umntu.

Imihla yotyalo-mali

Inzuzo yotyalo mali ixhomekeke kwixesha elithi imali ityale imali. Ixesha elide, ukuphakama komtyali-mali kunokulindela isivuno esikhulu. Oku kungenxa yokuba sitya imali, siyala kwinto elungileyo namhlanje, apha kwaye ngoku. Oku, ukusuka kwindawo yezoqoqosho, enye okanye enye into kufuneka ihlawulwe, kuxhomekeke kwixesha lokulibaziseka kwethu ukuphumeza iminqweno.

Inqaku lesibini kukuba ixesha elingakumbi, eliphezulu, ngelishwa, umngcipheko apho utyalomali lwethu luphantsi. Ngexesha elide, ukubakho kophuhliso olungathandekiyo lweziganeko-ukubhalwa kwe-ossuer, utshintsho kwinkqubo yayo yezemali ngenxa yotshintsho kwiimveliso zalo, ukuqala kokuphela kwezemali , kwaye nangokunjalo.

Njengomzekeliso, ukuxhomekeka kwenzuzo yokufaka inzuzo kwixesha elivela kwixesha labo lokuhlawula.

Umzekelo wokwenyani wama-2020. Kwinqanaba lokwenza ukwenziwa nge-5.5%, le meko iphuhlise kwimarike. Iibhondi ngexesha elingaphantsi konyaka 5.2-53.3% ngonyaka. Unyaka omnye 5.3-5.5%. Ukuqola kweminyaka emihlanu 5.6-5.7%. Iminyaka elishumi 6.1-6.2%, njalo njalo.

Ungafumana malini?

Siza kuhlalutya imizekelo njengoko unokuyifumana kwiindidi ezahlukeneyo zotyalo-mali, cinga ngo-2020. Imarike yaseRussia ikhulile, igweba ngesalathiso, nge-13%. Ke, ukuba umtyali-mali ebelityalile iphepha elinye kwiphothifoliyo yakhe elenza i-Moscow Andver, wayeya kufumana umvuzo kwakhona kabini njengegalelo ebhankini.

Kwangelo xesha linye, imibutho yamatyala itsalele iminikelo yeepesenti ezingama-4-5. Kwaye kwimarike ye-bouritity ye-ndnds, isivuno besikubona kumzekelo wangaphambili, i-5.2% ngonyaka. Ngokweebhoni ezihlanganisiweyo, isivuno sasiphezulu kakhulu - ngeepesenti ezingama-6, kuxhomekeke ekuthembekeni kwamashishini.

Ke ngoko, ukubeka imali ngomthengisi kwi-stock utshatile, umtyali-mali unokubala kwintengiso yeBhokisi, mabangabi mabini, kodwa esinye nesiqingatha sexesha elingaphezulu kwebhanki. Kwangelo xesha, kunjalo, utyalomali aluwele phantsi kweziqinisekiso zeedipozithi.

Kodwa, kwelinye icala, ukuba uthenga ii-Bonds zezona nkampani zikhulu zaseRussia, ke ubukho babo bubonelelwe ubuncinci ukufikelela kwintengiso. Kubo, ngokwahlukileyo kumaziko etyala, njengomgaqo, impahla yokwenene yemveliso evelisa umvuzo ozinzileyo.

Kwaye kuthekani ezinye iintlobo zotyalo-mali? Abahlalutyi beentengiso bendawo yokuhlala benza ukuba izinto ziye zaphakama ngexabiso ngonyaka ngaphezulu kwe-16%. Kodwa kwangaxeshanye, le datha kufuneka ilumke kakhulu:

• Okokuqala, abaqondayo bahlala, bephantsi kwazo naziphi na iimeko, baqala ukuba amaxabiso ayakhula, nokuba inyani imeko ichasene.
• Okwesibini, izindululo azikabi ngexabiso lokwenyani, ukuze kuthengiswe into, iindleko kufuneka zilahle, ezihlala kwinqanaba lesivumelwano esingesosidlangalaleni phakathi komthengisi kunye nomthengi. Imarike yentengiso yezakhiwo ibala kakhulu kwaye ayikho kangako njengemarike yezokhuseleko.

Ukongeza, iindleko zetikiti lokungena ziyahluka kakhulu. Kwenziwa utyalomali lwendawo yokuhlala, ubuncinci izigidi ezininzi zihlala zifuneka, ukuba ayisiyiyo le nkqubo idibeneyo, ngelixa ukuthenga iqhina elifanayo kwi-moscow stock utshatile.

Akunakwenzeka ukuba ungatsho ukuba enye yeyona ndlela intle yokutyalomali ngo-2020 yayikukuthengwa ngokulula kwemali. Iidola zivukile ngexabiso elingaphezulu kwe-20%, kwaye i-Euro iphantse ibe ngama-30%.

Oku kucebisa ukuba ukwenze imali kangangoko kunokwenzeka kutyalo-mali, bekunokwenzeka kwabo babanikela imali kwizixhobo ezityunjwe kwimali yangaphandle. Phezu kwakoxa intanjeni yokuba ekuqaleni iipesenti bajonga ngaphezu kokuthozama. Umzekelo, kwakuyingenelo yokutyala imali kwi-Eurobokholethi yaseRussia, apho ama-4 anokufunyanwa khona, kodwa kwimali, hayi kwi-STER.

Yintoni onokuyijonga imali

Masibe nesishwankathelo. Izinto ekufuneka zihlawulwe kwindawo yokuqala zinokuncitshiswa koku kulandelayo.

1. I-Macroeconomics: Ukunyuka kwamaxabiso okulindelekileyo kunye nekhosi yemali yesizwe ziimpawu ezimbini ezivele ukuba zibaluleke kakhulu kwiziphumo zotyalo-mali.
2. Ukongeza, kuthatha ngononophelo kakhulu ukuthembeka kwabasuliweyo, kwingeniso yabo, apho, ekugqibeleni, baya kuhlawulwa kubatyali.

Kwelinye icala, ngaphandle komngcipheko othile, notyalo mali kufuneka lubandakanyeke. Kuba unokwenza imali kutyalo mali ngaphezulu kokubeka imali ebhankini.