ERussia, kukhona i-attemment boom: Abantu bafuna ukuthatha imali kuma-deposits futhi bayiqondise bathola amathuluzi anenzuzo enkulu. Kodwa-ke, umuntu uthola iphrofayili ephezulu, futhi othile ulahlekelwa yipeni lokugcina. I-BANSIROS.RU yathola ukuthi inzuzo kanjani ukutshala imali uma kukhona okuhlangenwe nakho okuncane kokuhlangenwe nakho kwemali.
Ungaqala kanjani ukutshala imali?Ukuhlaziywa kwezezimali I-Igor Kuchma ngokuyinhloko yeluleka ukuze ibuyekeze isabelomali sayo.
"Uma kungadingeki ukuthi uhlehlise, uchitha konke okutholayo, futhi kubukeka sengathi awukwazi ukuqongelela imali yokutshala imali. Uyomangala ukuthi imali encane ebaluleke kangakanani yansuku zonke ebaluleke kakhulu, "kusho uchwepheshe.Ulethe isibonelo esilula: Uma umuntu ethenga i-mug yekhofi esitolo senethiwekhi ama-ruble angama-60, imali yakhe yokusebenzisa imali izoba ngama-ruble angama-21,900. Uma sibeka le mali kwidiphozithi noma invest ekutshaleni imali eletha isivuno sakwa-5% ngonyaka, eminyakeni emihlanu leli mali lizoba ngama-ruble angama-27 377.
"Faka i-Croissant, futhi eminyakeni emihlanu ungaba nama-ruble angama-54,750. Ngisho nokonga okuncane kungaletha imali engenakwenzeka ngokuzayo, "kusho uchwepheshe.Isigaba esibaluleke kakhulu esibaluleke kakhulu ukuqedwa kwazo zonke izikweletu, kusho uKuchma. Waphawula ukuthi iningi lamaSulumane lisebenzisa amakhadi wesikweletu, libakhohlwa ngesikhathi ukuze uvale. Ngenxa yalokhu, izihlakala ezinkulu zentshisekelo, ezithi zishaya isabelomali.
Futhi, i-Bhangeli ye-interlocutor.ru incenyeka kakhulu ukuze ikwazise ukulindelwe ekutshalweni kwemali. Udinga ukuphendula imibuzo elandelayo: Ngabe usukulungele kangakanani ukugcina imali esesimweni esithengiwe, ungalala ngokuzolile lapho amasheya enkampanini etholakele eqala ukuwa, futhi usukulungele ukunikeza ukuhweba amahora ambalwa ngosuku?
"Uma ufuna ukuphila ngemali engenayo evela ekutshaleni imali futhi ulungele ukukhokha isikhathi esiningi, ukuvula nokuvala izikhundla ezahlukahlukene - lokhu kubizwa ngokuthi ukuhweba noma ukuqagela. Kulokhu, udinga ukutadisha ukuhlaziya kwezobuchwepheshe nakusisekelo, "kuxwayisa uKuchma.Umhlaziyi wezezimali u-Evgeny Marchenko ululese ukunaka ukuzwela kwengozi.
"Uzozizwa kanjani uma iphothifoliyo yakho ifuna okwesikhashana i-10%? Futhi ngo-20%? Futhi uma u-50%? Konke lokhu kubaluleke kakhulu ukuze uqonde ukugwema ukwethuka kwezenzo ngokuzayo, "kuchazwa uchwepheshe. Imaphi amathuluzi okufanele ukhethe ukutshala imali?Ngaphezu kwalokho udinga ukwenza okusha - baqonde ubuningi bamathuba okutshala imali.
UKuchma ubala amathuluzi alandelayo:
- Amabhondi ayithuluzi elikhulu lemakethe yezikweletu. Ngokuthenga isibopho, umuntu unika imali esikhilini sesikweletu (inhlangano ekhiqiza ukuphepha), futhi okhipha izithembiso ezivusa ukubuyisa inani elihlaselwe ngenzalo.
- Stock. Ukuba nokukhuthaza inkampani, empeleni, kungenye yabanikazi bawo. Izinkampani zizisebenzisa njengendlela yokwandisa imali enkulu.
- I-ETF (Izimali Zokuhweba Eshintshaniswa) yizimali zezimali zesitoko sakwamanye amazwe zithengiswa ekushintsheni kwesitoko. I-Plus ETF ukuthi le yiphothifoliyo yokutshala imali esenziwe. Uma umuntu efuna ukutshala imali kuzo zonke izinkampani zamafutha aseMelika, ngeke azothenga amasheya ngokwahlukana, kuzokwanela ukuthola amasheya we-ETF efanelekile.
- Ikusasa liyinkontileka lapho umthengisi enza khona ukubeka impahla eyisisekelo kumthengi ngesikhathi esithile futhi ecacisiwe ngaphambi kwentengo.
UKuchma waxwayisa, udinga ukulungiselela iqiniso lokuthi ubungozi buningi, uma nje ugcina imali ekhaya. Ngasikhathi sinye, ukutshalwa kwezimali kuzoletha imali enkulu.
"Uhluke, noma kunalokho, usebenzisa ulimi lwabatshalizimali, uguqule iphothifoliyo yakho. Sabalalisa imali yakho phakathi kokutshalwa kwemali kusuka ezinkomba ezihlukile. Ngakho-ke, ukulahleka kwamasheya awayo embonini eyodwa kunganxephezela ukukhula okubalulekile komunye, "kululekwe. Yini Yokuvula i-Akhawunti Ye-BrokerAge noma i-ISS?UKuchma wachaza ukuthi umehluko omkhulu phakathi kwe-akhawunti yabathengi kanye ne-akhawunti yokutshala imali (i-ISS) ukuthi i-akhawunti yabathengisi ivula kwinkampani yabathengisi noma yenkampani yokuphatha. I-IIS uhlobo lwe-akhawunti ye-brokerAge esho ukuhlinzekwa kwezinzuzo ezithile zentela, kepha futhi inomkhawulo.
"Uma usukulungele ukunamathisela imali okungenani iminyaka emithathu ngaphandle kokuthi kube nokuzikhipha, izinzuzo ze-akhawunti ngayinye yokutshala imali azinakuphikwa - unelungelo lokuthola imali ekhokhwayo yentela, okungukuthi, ukubuyela kwabangu-52,000 Ama-ruble ngonyaka, "kusho uKuchma. Yiziphi izinsimbi ezizoletha inzuzo enkulu?NgokukaMarchenko, inzuzo enkulu kakhulu ye-hypothetical ingatholakala kusetshenziswa amathuluzi ayingozi kakhulu athengiswa emakethe ye-derivatives. Lezi izinketho kanye nekusasa, kepha lezi akuzona zabaqalayo amathuluzi, ngoba zidinga inani elikhulu lolwazi nokuphikiswa okukhulu kwengcindezi, kuxwayise uchwepheshe.
"Ithuluzi elingabizi kakhulu elinenzuzo liyi-IPO - ukubekwa okuyisisekelo kwamasheya ekushintshanisweni kwesitoko. Iminyaka embalwa edlule iyisiqongo sangempela sokutshalwa kwezimali okunjalo futhi kuze kube manje ikuvumela ukuthi uthole isilinganiso esiphakeme emakethe, "kusho uMarchinko. Ukutshala imali kuphi, uma inani lokuqala lincane?NgokukaMarchenko, kuleli cala kulungile ukwenza iphothifoliyo kusuka kumasheya asekhaya nasezimbozweni, kuya ngesikhathi nokulungela ubungozi. Uxwayise ngokuthi abaqalayo akufanele baxoshwe ngesivuno esikhulu, okokuqala, ukugcinwa kwenhlokodolobha kufanele kuqinisekwe.
"Futhi ngokwanda kwediphozithi kanye nokutholwa kwesipiliyoni, kuzokwazi ukuthumela ingxenye encane yezimali zokushintshana kokushintshana ukuze" akise izinzwa, "ephetha.