Izincomo eziningana sendlela umuntu yangasese ukuthenga amasheya

Namuhla kuphela futhi abakhathazekile ukuceba ngokushesha ngangokunokwenzeka, ngoba izimo capitalism zasendle ukusinda indoda ngaphandle imali kakhulu, kunzima kakhulu. Ngisho ezejwayelekile ehhovisi umabhalane noma umnikazi ibhizinisi elincane ngokuvamile ubhekene izinkinga zezimali, ingasaphathwa labo abangenayo umthombo unomphela engenayo.

Imali ngokuhlakanipha futhi ukuceba

Okwamanje omunye imibono eziphambili kakhulu ekuqongeleleni imali utshalomali abanekhono. Kulesi sici, ezimakethe zamasheya ewusizo ngokukhethekile.

Kuyinto yokufuna izibambiso angagcina ukuletha inzuzo okuhle ngenxa isenzo - ke buyindlela ephumelelayo zezimali. Emazweni European isikhathi eside, ayesebenzisa ngempumelelo. Ezweni lethu, lokhu abamabhizinisi ethuthuka nje. Kunoma ikuphi, amaRashiya amaningi unesithakazelo umbuzo kanjani umuntu yangasese ukuthenga amasheya. Kufanele kuqashelwe ukuthi kukhona izinketho eziningana ukuthenga izibambiso, futhi ngamunye wabo imininingwane yayo siqu.

Ngakho, ake udlulela ohlangothini esisebenzayo mayelana nodaba kanjani umuntu yangasese ukuthenga amasheya.

Izimali ezilinganayo

Ukuthenga izibambiso ngokusebenzisa mutual funds - kuyindlela engcono kakhulu ekucebiseni kulabo abaqondi ukuthi imithetho stock market kanye awunaso isikhathi sihlaziye izindaba, ukufunda isu ukuziphatha issuers uphinde uhlole imibiko yezimali izinkampani.

Into ebaluleke kakhulu - ke onekhono ukukhetha mutual funds. Lokhu ukuqongelela dolobha indlela muhle ngoba ithuba lokuba umnikazi iphothifoliyo kahle okuhlukahlukene lamasheya.

Nokho, uma kungaba izimo best ukuvela, kungenzeka yokucebisa isizumbulu kakhulu imali.

I-broker emakethe yamasheya

Njengoba umuntu wangasese ayeyongile okwamanje? Kulula kabi. Sidinga ukuthola i-broker abanolwazi. Le nguqulo ekuqongeleleni dolobha kuyoba usizo olukhulu kulabo uthanda ukuphatha izimali zabo kwalo yedwa. Nalapha futhi, kufanele kuqashelwe ukuthi kubalulekile ukukhetha inkampani Brokerage nge lihle ibhizinisi idumela. Indlela ukuthenga amasheya lomuntu iyimfihlo exchange stock? Ngaphambi wenze lokhu, kumele wenze umsebenzi othile: ukuba bahlole ezimele isilinganiso nomdayisi, funda ukubuyekeza amakhasimende futhi uhlole izitatimende zezimali.

Le ndlela yokwenza inzuzo ikhange ngoba kukhona kungenzeka ukudayisa noma nini, ukuze diversify iphothifoliyo, ngokushesha sibone amafa ukuze uthole imali ngokushesha. I negative lapha khona isici ngokwengqondo uma ufuna ukudayisa kunoma iyiphi izimo emakethe.

Kufanele kuqondwe ukuthi ikhomishana inani elikhulu ukuthengiselana ngokungahlelekile kuhambisana ukulahlekelwa omkhulu.

Ukuthengwa izibambiso ngokuqondile umkhiphi

Ingabe ikhona enye impendulo yombuzo othi: "Indlela yomuntu eyimfihlo ayeyongile?" Yiqiniso, yebo. Uma uhlela yokutshala imali isikhathi eside, bese ukuthenga izibambiso ngokuqondile inkampani elikhiphe kubo. Ngaphansi le ndlela, ukuhweba zokucabangela ayifakiwe. Ngokwemvelo, kudingeka ugweme zokuhweba uma emakethe is ngesibalo kunyakaza. Udinga ukuqonda ukuthi inzuzo yabo ingatholakala kuphela ngemva isikhathi esithile.

Ngu bawo izindlela zokutshala izimali kungafaka nobunzima diversification we iphothifoliyo utshalomali nokungakwazi asabela ngokushesha ngokushintsha izimo emakethe.

Amasheya "Gazprom" futhi "Sberbank"

Namuhla, abaningi banesithakazelo umbuzo kanjani ukuthenga amasheya umuntu yangasese, "Gazprom", njengoba cishe njalo intengo.

Lokhu kungenziwa exchange isitokwe. Nalapha futhi, uzodinga ukuthola inkampani Brokerage abanolwazi.

Futhi abangafaka imali emabhizinisini abo manje ngifuna impendulo yombuzo: "Indlela ukuthenga amasheya umuntu yangasese" Savings Isikimu kuyafana "?". Njengoba ibhekwa, unganikeza ukuthenga izibambiso ngokuqondile wezitifiketi.

Noma kunjalo, insimbi utshalomali ngalinye has izinzuzo zalo siqu kanye nebubi, ngakho choice yakhe kukuwena.

isiphetho

Kwenzeka isimanga ukuthi ezweni lethu ubuswa eyeqisayo ukuthi zisekelwe lokuthi zonke izinhlekelele zezimali eziye zenzeka phakathi neminyaka engamashumi amabili edlule, kwakubonakala sengathi amasheya, ngakho ukuzidayisa - uyilo, okuyingozi kakhulu.

Empeleni, asikho isizathu ukucabanga ngakho. Ezinye iphutha ngokucabanga ukuthi imali ngamasheya yolwazi ekhethekile noma omkhulu dolobha ekuqaleni-up. Ungaqala khona imali ubuncane, isibonelo, ama-ruble angu 1,000 kuphela. Into ebaluleke kakhulu - ke kuba acabangele imithetho diversification ukutshala njalo. Thenga izibambiso, futhi ngokuhamba kwesikhathi baba kungabangela izinzuzo okuqinile kakhulu.