Amaphupho amaningi okuhlinzeka ngomthombo othile ongenayo imali engenayo. Ngendlela enjalo engakwazi ukuqinisekisa ngokugcwele ubukhona obukhululekile, kepha okungenani banikeze inani elengeziwe emholweni osendaweni eyinhloko yomsebenzi.
Lokhu kungenzeka kunikeze kahle imakethe yezokuphepha, uma wenza kahle futhi uvikele lawo maphutha avame ukwenza abatshalizimali be-novice. Ake sizame ukuthola ukuthi uzotshala kuphi imali encane.
Ungathola malini?
Umbuzo ovutha kakhulu: Ungayithola malini imali ngenani elincane? Ngeshwa, kuzofanela ubhubhise ngokushesha ezinye izinkohliso. Njengoba utshale imali ngama-ruble ayikhulu, akunakwenzeka ukuthola ama-dollar ayikhulu nsuku zonke nsuku zonke. Futhi leli yiphutha elikhulu kunawo wonke labatshalizimali be-novice - ukulindela kakhulu. Ngaphezu kwemakethe yesitoko empeleni kungakupha.Emhlabeni wezimali, ngaso sonke isikhathi futhi nomaphi lapho kunomthetho ongenakuphikwa: phezulu kwesivuno, kukhulu izinga lengozi. Ngaphezu kwalokho, umngcele wokugcina nocacile phakathi kwezimali nokudlala imidlalo awekho. Akunakwenzeka ukusho ukuthi lokhu kuhweba ngohlobo lwemali ngehlombe, futhi nansi selivele liyi-casino eFrank. Iqiniso ngukuthi uma kunamaphesenti aphezulu kakhulu, uma kunethemba lokwenza inzuzo ngenhla, khona-ke lokhu kunembile noma umdlalo, noma ukukhohlisa.Eqinisweni, emakethe yamasheya, ungadinga ukuthola uzuze ama-5 ngamaphesenti amaningi ngohlobo lwemali. Kwesinye isikhathi iphothifoliyo 'izodubula' futhi inikeze okuningi kakhulu, yithi, kuze kube ngamaphesenti angama-30. Kungcono ukubona ngokweqiniso: Kunananalokho ingozi nenhlanhla. Kepha into esemqoka ukuthi akakaze "acele" ngaphezu kwe-5% efanayo, ngaphandle kwalokho sekwephuzile noma kusenesikhathi umtshalizimali uzohlala ngaphandle kwemali.
Kungakanani okudingayo ukutshala imali
Ungaqala ukutshalwa kwezimali ngenani elincane ngokuphelele. Ake sithi ngeke uvumele ukuhlala ngaphandle komthombo, kepha wonke umgwaqo uqala ngesinyathelo sokuqala. Kunoma ikuphi, ukuthengiselana kokuqala kufanele kuthathwe ngamanani angakwethusi kangako.
Ngaphezu kwalokho, kunecebo lokutshala imali elithandekayo: hhayi ukutshala imali eningi ngasikhathi sinye, konke okusasele nakho konke ongakuthatha kumthengisi, njengoba abanye abathengisi bezokugembula benza. Ngokuphambene nalokho, okulondoloziwe impela, ngaso sonke isikhathi lapho kunethuba elinjalo, kancane kancane ukuze ligcwalise iphothifoliyo yakho. Ake sithi, ukuthola iholo, ukuchitha amaphesenti ayishumi akulona ukuchitha kusihlwa endaweni yokudlela, kepha ukuthenga isikhwama esincane kakhulu sezokuphepha.Le ndlela yenza abantu abaningi ezweni laseNtshonalanga bacebe kakhulu ekugcineni. Futhi akumangazi. Kwenzekani ezingcaphuno usuku nosuku ekushintsheni kwesitoko, ekugcineni komnotho wezwe uyakhula, futhi ekugcineni, amasheya ezinkampani ezinkulu kakhulu ayabiza kakhulu. Kuphothifoliyo enjalo yephepha elithengiwe - ngamanani ahlukene, isilinganiso seminyaka eminingi. Ngenxa yalokhu, cishe baphendukela ukubiza kakhulu esikhathini esizayo.
Khetha izimakethe
Imakethe efanelekile yokuhlolwa kwamanani amancane emali kungenzeka ibe amasheya, futhi okuthiwa ama-chip aluhlaza okwesibhakabhaka. Kungani kunjalo? Mane nje uziqhathanise namanye amathuluzi.Ezinye izindlela, ngobukhulu, ezintathu kuphela, ngenani lezingxenye ezithile zeMoscow Exchange.
- Imakethe yemali. Kepha lokhu kusesimweni sayo esimsulwa isilinganiso samanani wenzalo, kanye nethonya lezinto zezepolitiki. Ngokwayo, ubunikazi bemali abuthwali noma iyiphi inzuzo: ngokwesibonelo, idola liyidola. Uma othile ethenge amadola, kwathi ngonyaka wawathengisa ngawo ngama-ruble, ngisho nangomdlandla omkhulu, akasasebenzi, akazange alahlekelwe ngokuwohloka kwezifundo. Futhi ukuthengwa okumsulwa kungakapheli usuku ukuthengisa ngokushesha, uma unenhlanhla, futhi izingcaphuno zizokhula - kungcono umdlalo wokugembula ukuze ukhulume, hhayi ukutshala imali.
- Enye inketho izibopho zenhlangano. Ngempela, ithuluzi elihle nelidingekayo, kepha hhayi amanani amancane. Utshaliwe, ngokwesibonelo, ama-ruble ayinkulungwane, kuvame ukubaluleka kakhulu iphepha, ngonyaka otshalizimali azothola ama-ruble angama-50 inzuzo cishe kuyo yonke imali engenayo izokuvikela - konke lokhu Imali yohambo olulodwa ukuya esitimeleni!
- Kuthathwe izibambiso. Lesi sigaba sicacisiwe impela. Yenzelwe abathengisi be-Professional abathengisi, abaphelelwa yimali lapho, kanye ne-Hedger, labo abavikela izimakethe zabo zezimali ezihlanganisa izimakethe zangempela ngezinkontileka zesikhathi esizayo. Ngokuvamile, ngokusobala lokhu akuyona imakethe yabaqalayo.
Isigaba sesitoko kuphela esisele, imakethe yesitoko. Ngaphezu kwalokho, ukukhetha kungcono ukuyeka okungenani ukuqala, kulokho kuphela okuwuketshezi, uma kuphela ngoba kungathengiswa nganoma yisiphi isikhathi, uma kukhona okungahambi kahle.
Yini umthengisi ozosebenza kuyo
Ngamanani amancane, into ebaluleke kakhulu ukuthola umthengisi ngeKhomishini Encane. Ngoba ababambiqhaza abaqeqeshiwe eMakethe Yezokuphepha ukuze izinsizakalo zabo zithatha imali njalo - noma ngabe zikusebenzisa iklayenti le-plus noma ku-minus. Ikhomishini enkulu izomane idle inhlokodolobha esevele encane. Futhi azikho ezinye izinsizakalo, ngobukhulu, ezingadingeki, akudingeki, kufanele ufunde kusukela ekuqaleni ukuze uthathe umthwalo wemfanelo futhi uthathe izixazululo zokutshala.
Kunabathengi abaningi, futhi bonke bancintisana. Phakathi kwazo, eRussia, njengasentshonalanga, okukhethekile kuqala ukuthuthukisa, kuvela abathengisi bezezimali. Bekulokhu kunguFinam, u-Aton nabanye. Kulezi zinsuku, uTinkoff uzama ukuziveza kule nyoni, kodwa ikhomishini yezinga lokuqala ingu-0.2%, noma ngabe zithini ziphezulu. Kuhlale kufanelekile ukuhlolwa - ngezindleko ezigcwele zensizakalo. Ngabe kukhona ezinye izinkokhelo zokuthola imali yokuvuselela imali, ukufinyelela ohlelweni lwemininingwane, nokunye.
Umzuzu okhethekile izinkokhelo zanyanga zonke. Ngamanani amancane, kungcono ukugwema abathengisi abanikela ngokukhokha ubuncane ngenyanga. Kulula kakhulu ukubheka, "kudonsela" noma akukho zinsizakalo zamakhasimende zenhlangano ethile. Kuyadingeka ukuthatha izindleko zenyanga, phindaphinda ishumi nambili ukuthola intengo yensizakalo yonyaka. Lapho-ke umphumela otholiwe uhlukaniswe ngezindleko zephothifoliyo bese uphinda amaphesenti ayikhulu.
Isibonelo, umthengisi ucela ama-ruble angama-100 kuphela. Siphindaphindeka ku-12 futhi sithole ama-ruble ayi-1200 ngonyaka. Ngasikhathi sinye, iphothifoliyo yokuqala yomtshalizimali kufanelekile, yithi, ama-ruble ayizinkulungwane eziyi-10. Ingqikithi eyi-1200 ihlukaniswe yaba ngu-10,000 futhi iphindaphindeka u-100% olingana no-12%. Ingabe kunokuningi noma okuncane? Yebo, akulona iqiniso! Cabanga ukuthi umtshalizimali wonyaka wathola ama-5% ngonyaka. Kubo kwanikeza i-12% futhi kwesokunxele ngokulahleka kwe-7%. Akunakwenzeka, akufanele - ukhokhe imali eyengeziwe ngelungelo lokuza ukuzosebenza! ..Ngisho nephesenti elilodwa le-capital ngonyaka libiza kakhulu. Ngokuvamile, iKhomishini Yezenziwe Kwenziwa Kwenziwa, kuphela uma kukhona ukuthengiselana, kufanele kusilinganiso sanamuhla sokuhlinzekwa nokufunwa kube endaweni ethile ngaphansi kwezinga lamaphesenti ayi-0,1. Musa ukuhambisana nemibandela yalo mthengisi - siya komunye.
Sithola isipiliyoni
Uma ubeka imali encane, ngeke isebenze izinto eziningi. Imali esemakethe yesitoko iya emalini, nokho, njenganoma yonke indawo. Kepha kule mali encane - ungafunda kakhulu futhi kakhulu. Futhi ukhule ngephothifoliyo yakho. Ukuze wenze inzuzo emakethe yokutshala imali, kubalulekile ukuze ufunde ukuqonda ezinye izinto.- Okokuqala, ukuqonda ama-macroeconomics. Kulokhu kungaba kuhle kakhulu uma bekungakangethwe ngaphambili, thatha futhi ufunde isifundo esihle. Kubaluleke kakhulu ukuthi umtshalizimali aqonde okwenzekayo futhi akwazi ukwakha izibikezelo ezifanele. Kodwa-ke, akukubi ukwenza noma yimuphi umuntu empilweni engcono, hhayi kuphela umtshalizimali.
- Kuyadingeka ukuqonda ukubikwa kwezinkampani emiphumeleni yazo yezezimali. Kulokhu, labo abanazo izibangelongelo noma isipiliyoni sobuso bamabhizinisi bakwesinye isikhathi ngaphambi kwesikhathi. Konke okunye kuzobe nokuba nokwenza kahle lesi sihloko.
- Futhi ekugcineni, okubaluleke kakhulu, kuyadingeka ukuthuthukisa amakhono okucabanga anengqondo. Kwenzekani uma kunokuthile futhi lokho? Isibonelo, iCoronavirus yabangela ukuvalwa kwemingcele, kwathinta imboni yezokuvakasha, uma engafanga, wabe eselala. Yini elandelayo? Ukuwa kwamasheya wezindiza. Futhi abantu badla kuphi, yimaphi ama-Firm azowanikeza imali yabo uma ungakwazi ukuya endaweni yokudlela noma nge-cinema? CLAise Pizza, uzovakashela amasayithi okuthenga online? Thenga futhi ubuke i-movie ekhaya?
Futhi kuzokwenzekani emakethe lapho ubhubhane sekwephuze noma kusenesikhathi? Ngabe izingcaphuno ze-boeing zizojwayela izindiza ezinyantisayo emhlabeni? .. njalonjalo. Konke lokhu yimibono yokutshala imali nethuba lokuthola.
Eqinisweni, ukutshalwa kwezimali emakethe yamasheya kuyathakazelisa kakhulu. Futhi-ke, kufanelekile okungenani uzama ukukwenza ngokwakho, futhi ungadluliseli nje imali kubaphathi bochwepheshe. Omunye uzobe ungathandi umphumela kuphela, kepha inqubo uqobo.
Ukuhlaziywa Kwezobuchwepheshe, Izinzuzo Nezinhle
Ezimakethe zezimali, kukhona enye inkolelo-mbono, umnyombo wokuthi iyiphi indlela eyenziwe lula ebukeka kanjani: Izilinganiso ezifana nazo zonke, ngakho-ke, izicaphuna eziyisisekelo - izinkomba zezomnotho, imiphumela yenkampani - awukwazi ukungenela akhawunti nonke, kwanele ukuhlaziya ihluzo, umlando wokushintsha kwentengo. Le ndlela ibizwa ngokuthi ukuhlaziywa kwezobuchwepheshe.
Ngokwengxenye, ukuthandwa kokuhlaziywa kwezobuchwepheshe ezweni lethu kuchazwa ngobuningi babasebenzi bezobunjiniyela - inani elikhulu lochwepheshe bezobuchwepheshe obufundisiwe abaseduze kokuhlaziywa kwezibalo kunomnotho ngokuqonda kwanamuhla.
Vele, ukuhlaziywa kwezobuchwepheshe kunelungelo lokuphila, abaningi bazisebenzisa, futhi kwesinye isikhathi ngempumelelo. Ikakhulu, lapho iba yithuluzi lokukhetha umzuzu ofanele ukungena emakethe futhi uphume kulo.
Isiyalo sezezimali
Futhi ekugcineni, isihloko, esithinta kuphela bonke ochwepheshe, noma kunjalo, sivame ukukhawulelwa kumagama ajwayelekile. Kuzoba yingozi. Yebo, noma iyiphi imali esemhlabeni wezezimali ihlotshaniswa nobungozi. Ngeke sibasuse, kepha kukhona imali yokubhekana nabo, ukuze balwe nakanjani.- Owokuqala ukuhlukaniswa kwephothifoliyo. Awukwazi ukwenza yonke iphothifoliyo yakho yonke into kusuka ephepheni elilodwa. Akunangqondo futhi kungasho lutho ukuthenga amasheya ezinkampanini ezimbili ezincintisanayo futhi ucabange ukuthi sisuse engcupheni. Yonke imidondoshiya kawoyela negesi eyodwa kuzobe kushibhile ekuweni kwamanani entengo yamandla, akukabikali. Vele, lapho unamathisela imali encane, amathuba nawo alinganiselwe ngokwanele.
- Into yesibili ukuthi umtshali zimali we-novice kumele amukelwe ukwakhiwa kokusho okubizwa ngokuthi yi-STOP Loss, ama-oda womthengisi ezikhundleni zokuvala, uma kukhona okungahambanga kahle. Okokuqala, kungenzeka ukuthi uncome njalo ukuthi ushiye impahla eyodwa noma enye impahla uma ukulahleka kwayo kwakhiwa, kusho, amaphesenti ama-5.
Ekugcineni, ukulahlekelwa okuvumelekile kunqunywa ngokuzimela. Kepha kanye. Lapho isinqumo kufanele sigcinwe ngokuqinile. Le ukuphela kwendlela - ukungalahlekelwa yikho konke.
Ngeshwa, abatshalizimali be-novice bangabona kakhulu ukuthambekela okubuyela emuva ngokuphelele: Izikhundla zokuwina zivaliwe cishe ngokushesha, kodwa abangenasizo nalutho kubanjwa kuze kube sekupheleni - kuze kube yilapho imali isiqediwe.
Iziphetho nemiyalo lapho ungatshala khona imali encane yemali
Ngakho-ke, imakethe engcono kakhulu yokufaka imali encane, ngombono wethu, lezi zindlela zezinkampani, "ama-chips aluhlaza okwesibhakabhaka" ngomthengisi ekushintshaniseni kweMoscow. Ukuze uqale ukutshala imali ngempumelelo, udinga ukwenza izinyathelo eziningana.
- Vula i-akhawunti ye-BrokerAge ngokukhetha inkampani enikeza insiza engabizi ngaphandle kwezinkokhelo eziyinkulungwane zenyanga.
- Phezulu i-akhawunti bese uqala ukuphetha amadili.
- Ungavila ubuvila futhi uqale ngokushesha ukutadisha isifundo: izinkampani zezomnotho nezezezimali.
Ekugcineni, into yokugcina kodwa ebaluleke kakhulu ukuzimisela thina uqobo futhi ihambisane ngokuqinile nesiyalo sezezimali, ihlukane nephothifoliyo futhi isungule imikhawulo ekulahlekelweni okuvumelekile kunoma yiliphi ithuluzi.
Thola okuningi ngokubeka imali encane, ngeke isebenze ngokushesha. Kepha ungafunda ukutshala imali emakethe yamasheya. Futhi i-akhawunti kungenzeka - ukuze iphinde igcwalise kancane kancane. Futhi ukwenza - okungcono kakhulu.