Investment yomshwalense: izinhlobo, incazelo, inzuzo kanye nokubuyekeza

Cishe wonke umuntu ngandlela-thile acabanga ngekusasa lakhe. Manje kukhona eziningana impela isofthiwe yayo emva isikhathi esithile, futhi omunye wabo - kuba umshuwalense wokuphila. Investment imali le ndlela esetshenziswa kuzoxoxwa ngaphansi Article kwenza kube nokwenzeka ukuba ulahlekelwe imali etholwe, futhi ukuthola isamba esengeziwe.

ulwazi olujwayelekile

Uyini wokusisa yomshwalense ezuziwe? Leli thuluzi kokubili a Symbiosis of izinkomba ezimbili. Sihlanganisa kanye umshwalense, futhi ukutshalwa kwezimali. Faka leli thuluzi ukuze into eyodwa, maye, akunakwenzeka.

Kuyini lokhu? Eqinisweni, it is a hybrid yomshwalense zakudala, lapho engezwa ingxenye utshalomali, imelelwa mutual funds. Lokhu ndlela ibandakanya ukubeka ingxenye iphothifoliyo (ngesicelo) ngendlela kwezezimali okuyingozi kakhulu futhi kanyekanye inzuzo.

Kuyini ezithakazelisayo ngale ndlela elihlangene?

Phakathi izinzuzo lokuqala kufanele uqaphele ukuba khona ejwayelekile yomshuwalense efinyelela. Kusho ukuthini lokhu ku umkhuba? Uma umuntu uye wanquma ukusizakala insimbi elihlangene enjalo, uthola zomshuwalense ukuze kuvalwe utshalomali kokuqala kanye namanani amukelwe ngenxa investimenti. Ngu lesi sici, eziningi azisho kancane. Nakuba, kufanele siqaphele izingozi zenzeka sasivumela ngokuvamile.

izinhlelo Umshwalense okuhloswe ngazo ukulwa nemiphumela yayo. Asiza ulondoloza isimo sezimali oluzinze ngisho ngaphansi kwezimo eziningi ezingalindelekile.

Zithandwa iyona isitatimende yenkinga uma umuntu wahlala kuze kube sekupheleni kwesikhathi umshuwalense, futhi akazange abe nezinkinga, uzakukwamukela alethwe isamba kanye isithakazelo, okuyinto eza egijima phezu kwalo. Okungukuthi, imali elahlekile, futhi kukhona ukuvikelwa.

Ngesikhathi esifanayo, futhi inikeza eziningi amabhonasi nice ukuthi ziyahlukahluka kusuka inkampani inkampani. Ethandwa kakhulu - endabeni ukulahlekelwa ikhono ukusebenza yinkampani yomshuwalense iklayenti kwenza iminikelo kuye, ukuze ekugcineni, wathola zonke izinkokhelo kunesidingo.

nenzuzo

Nakuba izinzuzo odlule Ungakwazi futhi ngiziqhayise ezihlukahlukene izinhlelo ukonga. Kodwa esimweni sethu kusekhona isici esincane. Futhi ukuthola imali. Ngakho, izinhlelo ukonga umshwalense vumela ukuthola mayelana 5-6%, okuyinto nangathi akazange ngisho kuyendlulela kwamandla emali. Lokhu kungenxa nokubekwa kwezimali olandelanayo. Futhi ngakho amashumi eminyaka buthelela kungekho isifiso.

Bese kufika yomshwalense utshalomali. Rosgosstrakh, noma ezinye inkampani - akunandaba. Nendima eyadlalwa kuphela indlela. Ngakho, eningi yaleyo mali iya amathuluzi utshalomali. Isilinganiso wabo kuleli cala ngokuvamile kuba 1: 4. Lokho, ngoba iyunithi ngayinye yemali eya umshwalense ingxenye, ezine zitshalwa.

Ukuhoxa phakathi nezinamathiselo kungenziwa ezilotshwe mayelana okufanayo. Kufanele aphathwe ngokuqapha labo izinkampani ezinikeza engenayo nohafu ephakeme kunaleyo zifakwe ebhange, nokuningi.

Isexwayiso!

Kungani ngidinga ukuthi sibe nozwelo kulabo abadlula imali? sici utshalomali siwukuthi bangamalungu ezifakwa kube nenzuzo enkulu, kodwa ngesikhathi esifanayo okuyingozi. Kodwa izinto zokuqala kuqala.

noma izigebengu noma izinhlangano efanayo ukutshala amafa okuyingozi kakhulu: Uma unikela abawasebenzisayo zenzalo (30 noma ngaphezulu), khona-ke kukhona ezimbili ongakhetha kukhona. Yebo, kukhona ukuthi inzuzo kungenzeka 70, 100 kanye 300 amaphesenti wonyaka. Kodwa amathuba ezishile sikhulu kakhulu. Ngakho-ke, uma ufuna imali yakho futhi awakulahlekeli, kufanele sigxile izinkomba esifundeni amaphesenti 20-30 of. Ngaleso sikhathi kuyoba khona okungenzeka eliphansi ukulahlekelwa, ngaphezu kwalokho, oVikelwe, futhi ekupheleni term capital okuqinile izoqoqwa.

Ukuze ugweme ukuwela ezandleni izigebengu, kuwufanele ukubuza mayelana lapho imali okutshalwa kuwo izimali, cela imibhalo eyeseka, futhi-ke, kuhlole nakwezinye iziteshi. Kufanele ucabangisise kahle inkontileka utshalomali yomshuwalense wokuphila, futhi uma ungabaza, ubonane nommeli-third-party (kungesiwo kusuka yokuthi komgwaqo inkampani).

Ikakhulukazi Russian Federation

nesithakazelo kakhulu e-aspect zomthetho. I Russian Federation has a ithuluzi sasivumela ewusizo, njengenhlangano yomshwalense utshalomali is cishe nekuchazwa. Yiqiniso, zikhona izimfanelo eziyisisekelo umsebenzi, kodwa-ke ngeshwa, kuze kuphele ukubhaliswa okuphelele futhi olunembile namanje kude.

Ukuze aphazamisa umthetho, inkontileka kuyinto amabili. Omunye ulawula umshwalense, futhi enye - uhlelo utshalomali. Bese kumaphesenti athile izimali uya isiqondiso oyifunayo.

Ukuze imfundamakhwela zimali

Kuphephile ukusho ukuthi siphila esikhathini lapho izimakethe zezimali abasakwazi oluyingozi. Ngakho-ke, ngaphambi kokuba uqale zimali uxakekile sina: yini ukukhetha? yomshwalense Investment efanelekayo kulabo abafisa ukutshala ngekusasa labo, futhi ayikutholi penny kusukela zifakwe ebhange, futhi ngesikhathi esifanayo engafuni engozini ngokugcwele. Ngakho-ke kungenzeka ukusebenzisa iseluleko esinokulinganisela kanye ngokucophelela ezinjalo.

Ake sixoxe ngesibonelo utshalomali umshuwalense wokuphila. "Sberbank". Isivuno omunye abameleli ebaluleke kakhulu lolu hlobo amasevisi endaweni we Russian Federation wenza sikwazi ukwandisa yangempela hhayi inhloko-dolobha okuzisholo baze babe amaphesenti angu-15 ngonyaka. Yiqiniso, kuba ngombono engcono. Kungenzeka kangangokuthi simenza% 5 kuphela, kodwa phela lokhu kuwukwanda.

Kuyaphawuleka ukuthi uhlelo utshalomali yomshuwalense wokuphila namanje eyenzelwe imali sasivumela abalulekile. Ngakho, udinga ukulondoloza ku idiphozi okungenani imali izinyanga 3 kuya isicelo kubhekwe.

Kungani kunesidingo komkhawulo esingesihle kangaka? Iqiniso lokuthi emakethe njalo uhlangabezana ukwanda kanye komnotho. Futhi ematfuba catch impumelelo lapho esimaphakathi. Futhi lokhu kuyadingeka ukulinda. Futhi ukusebenza ngesilinganiso esincane futhi iminikelo ezimweni ezinjalo kunzima kakhulu.

Of umbono ofanayo ngalokhu abantu?

Ngakho esikwaziyo kakade ngempela okuningi mayelana umshuwalense wokuphila utshalomali. Izibuyekezo azokusizana isithombe lwamanje. Uma uzijwayeze Ulwazi enikeziwe kwi-Inthanethi, iningi labantu uyakwazisa kwezezimali omuhle.

Lapho kukhulunywa ngaye okokuqala is insured. Ngemva equkethe Izibuyekezo rave mayelana izinhlelo zokutshala izimali eziningi onguchwepheshe izinkampani. Base ukutshala amaklayenti kwabo okwengeziwe ihlukaniswe izingxenye eziningana. Omunye eya ukutshalwa enokwethenjelwa kakhulu efana izinsimbi eziyigugu, elinye - kwamasheya izinkampani ukuthi ziphumelele, inxenye yesithathu - e izibambiso nge ephakeme (ezinye) ingozi futhi ukubuya.

Phawula futhi intela ekhethekile. Ngakho, ngo-Russian Federation, intela ekhokhwa kuphela ingxenye imali ukuthi idlula izinga refinancing of Central Bank.

Yiqiniso, abaningi sikhunjuzwa yokuthi kukhona ezinye izingozi. Okokuqala, kufanele sifune ukundlula yeshumi imikhonyovu ezibizayo.

isiphetho

kwezezimali njalo ngcono. Ngenxa yalokho yokuthuthukisa yini, futhi kuvele yomshwalense utshalomali. Le ndlela ivumela ukuba uhlinzeke benzuzo bonke izinkampani ezenza lo. Kodwa akufanele bagxile into eyodwa futhi enkampanini efanayo. Nokho, uma izimali abahlakazekile izinhlangano ezimbili noma ezintathu. Futhi kangcono ngisho - uma inombolo yabo imayelana ezinhlanu noma eziyisithupha.

Kodwa ukuze iqhaza, udinga okungenani ezinye dolobha ekuqaleni-up. Ngakho-ke, kufanele banakekele imali enhle. Lokhu kuzakwenziwa ayalolongwa amakhono zezimali namasiko njengoba isisebenzi. Futhi lokhu kufezwa ngokusebenzisa self-yokufunda kanye nokuthuthukiswa ngokuqhubekayo.