Kuyini i-akhawunti ngabanye utshalomali? Kungenzeka kanjani ukuthi ngibe ukuvula i-akhawunti ngabanye utshalomali?

Kusukela 2015, iRussia wasungula isimiso esisha utshalomali, esahlanganisa ekhululiwe ngokugcwele ekukhokheni intela. Brokers kungukuthi uyasala, kanye nemibandela eyengeziwe bakulungele ukunikeza amakhasimende abo ku esisemanzini i-akhawunti ngabanye utshalomali. Kuyini, uzofunda kusukela kulesi sihloko.

definition

-Akhawunti Investment ngamunye (IIS) kungavula yibaphi abantu zemvelo, izakhamuzi Russia inkampani Brokerage. Umnikazi kwenza kube indlela engasetshenziswa ngemisebenzi uqobo, noma uthumele nabo ithemba. Ema-akhawuntini esinjalo intela umbuso ekhethekile. Izici:

1. Umhlali kungavula akhawunti utshalomali siqu eyodwa kuphela.

2. Inani eliphelele ukutshalwa - 000 ruble 400 / ngonyaka ..

3. Igama elithi kungagcini yakho: 3-5 iminyaka.

4. akhawunti utshalomali ezingazinye agcwaliswa, bephakamisa ngokwengxenye singanikezwanga.

5. Uma inkontileka sinqamukile ngaphambi kwesikhathi (ngaphambi kokuphela kwezinyanga 36), iklayenti ilahlekelwa zonke izinzuzo intela.

6. kungenzeka Izimali ezitshaliwe e Bank of ikusasa.

7. Izikolo kungaba ukuhumusha phakathi wabathengi.

ongakhetha intela

Ngokusho kwe-IMS inikeza ezimbili Amacebo izinzuzo:

1. base yentela kuyehla lemali ukuthi kwahlanganiswa ibhili ngonyaka. Lokhu kungase kube nentshisekelo abantu abathola umholo ngesimo inkokhelo. Inkokhelo kwenzeka ekupheleni konyaka njengoba kubanjwe, ngemva kokumenyezelwa 3-PIT.

Isibonelo. I imali encane yentela lesisisebenzi ruble ayizigidi 500.. Naye uzokhokhelwa kwentela yengeniso e inani ayizinkulungwane 65. Hlikihla. (13%). Uma ezingu-12 umuntu uyokwenza ku-IMS esilinganayo, bekuyoba recalculate base intela, ukubuyela PIT. Lolu khetho uzosebenzisana, ngisho noma izimali ayithelanga esincane ngonyaka (kufika ku-13%) ukulahlekelwa. Danaus etholakalayo SP wesifunda lula intela scheme, wathatha umhlalaphansi futhi abangasebenzi.

Algorithm ebanjwayo elifana nalelo esetshenziswa, isibonelo, lapho uthenga ifulethi. Man atholwe lokuphila isikhala. Ukuqala konyaka elilandelayo, umfundi waqala ukuqoqa amadokhumenti ukuze imali yentela, ebalwa esekelwe iholo elicacisiwe inkomba 2-PIT. Ingabe imali kuphela inani lentela ikhokhelwa esikhathini esifanayo yokubika, lapho efulethini yathengwa.

Isikimu efanayo usebenza nge IIS. Badinga kuphela ukunikeza isitifiketi broker. Izikhulu zentela ngeke recalculate umuntu kukhokhelwe ngonyaka odlule. Uma ayidluli ruble ayizigidi ezingu-400., Bese-13% izobuyiselwa yonke ingeniso (isb. E. ayizinkulungwane 52. Deda.). Ukuqinisekisa le misebenzi kuzodingeka ukuba unikeze ubufakazi umsebenzi, elibonisa ngokucacile inani lentela kukhokhelwe owedlule sekubika. Ngakho ukuthi amakhasimende abathola "neofitsialku", isikimu okunjalo akukhona inzuzo.

2. yokukhululwa Okugcwele ethile ekukhokheni izintela nengeniso IMS. Lokhu kukhetha zimali asebenzayo efanelekayo.

Isibonelo. Usomabhizinisi banquma ukutshala ama-ruble ayizigidi 400 inkampani Brokerage. Ukuhoxa kuyinto 30% lemali etshaliwe. Iminyaka 3 uyakwamukeliswa ayizinkulungwane 360. Ruble. Kule lemali yena kuyodingeka bakhokhe siqu imali yentela (ama-13%) e inani ruble 46.800. Uma kwaba IIS, zimali-ke ngabe ikhokhwe imali isabelomali. ayizinkulungwane 360. Hlikihla. yayiyoba inzuzo yayo net.

Isikimu umsebenzi ulula: ukuvula i-akhawunti ngabanye utshalomali ukutshala BCS → → → uzivumele ujike ukuze uthole ngokusebenzisa inzuzo ezingu-36 ngaphandle kwentela yengeniso.

Isibonelo. Phakathi neminyaka engu-2015-2017 ku-iklayenti ye-IMS kwenza isamba ayizinkulungwane 400. Hlikihla. Bese ofanayo imali nokudayisa Central Bank. Ngemva kweminyaka emithathu, ibhalansi zaba ama-ruble ayizigidi 200, futhi inzuzo - 800 000 Ngezinye izinyanga 36, iklayenti isinqumo ukuvala i-akhawunti ngabanye utshalomali. Ngakho wakhethwa njani uhlelo intela yesibili, uhulumeni uzokhulula ke kusukela nokukhokhwa kwentela yengeniso e inani 800 x 0.13 = 104 ayizinkulungwane. Deda. Ukuze uthole inzuzo, udinga ukunikeza isitifiketi broker, okuyinto esedlule izinyanga 36, uhlobo lokuqala ezibanjwayo akubanga.

Ikhasimende Ungakhetha intela yabo iqhinga utshalomali, kodwa awukwazi sihlanganise nabo mngcele. Kubantu nakwazi mayelana exchange, IMS - inguqulo ethuthukisiwe ye-investimenti. Inani etholakalayo, asikho isidingo ukuthuthukisa kahle emakethe, ikhono imali engenayo ukuthi mkhulu kunabo zifakwe ebhange, intela yamaholo amakhulu - zonke lezi zici senze leli thuluzi impela emphakathini. Ukuze befisa akhawunti ngabanye utshalomali - yithuba eyengeziwe ukuze nokwandisa oyitshalile iphothifoliyo.

amaphutha

Ababona esingaphansi izinzuzo:

1. I-akhawunti ngabanye utshalomali - kuyinto okuyingozi inketho ukutshalwa kwezimali, okuyinto engamboziwe iziqinisekiso isimo.

2. ithuluzi okunjalo isetshenziswa desirably e ukwanda.

3. Umkhawulo ruble 400 000. IMS kungaqali ekhangayo zimali esikhulu.

4. Awukwazi nje ukukhetha "kwesokudla" izinzuzo intela.

5. Isivuno - ukubaluleka abikezela, okuyinto ziyahlukahluka unyaka nonyaka. Le nkampani, ngisho noma ukuthola inzuzo enkulu, Landani kuphela ingxenye encane yawo. Gcina umbhalo walokho "ubulungisa" nenkulumo ethi izibalo engenakwenzeka.

I ethile eyinhloko isikimu ezinjalo - ingozi. Ngemva kweminyaka emithathu, Central Bank kungenzeka noma bavuke noma bawe intengo. Ngakho-ke, ngezinye izikhathi kungcono senqabe ngokweqile uma utshala imali ku-akhawunti ngabanye utshalomali. RF uMthetho "Ngo izibambiso emakethe" ngisho ulungisa isimo sengqondo abahlanganyeli emakethe, kodwa isikimu ecacile ukuxazulula izingxabano ku imisebenzi nge ithuluzi elisha it is hhayi lelipelwe.

Umuntu akhawunti utshalomali 2015: indlela ukuvula

Kufanele uxhumane inkampani yomshuwalense, okuyinto umhlanganyeli professional emakethe yamasheya. Ubunikazi kufanele kube SA noma LLC. Ngokuvamile kuba AMC at amabhange amakhulu. IIS isetshenziswa ukwehlukanisa amafa etshaliwe ezimakethe zamasheya. Leli cebo kancane afana Ira. Kodwa uma yokugcina inikeza ukuthi kungenzeka ukhipha izimali kuphela uma usuthatha umhlalaphansi ukubuya, isikhathi IIS kukhawulwe izinyanga 36. Isibopho bagodle wentela ku broker. Income kusukela ukuthengiselana okunjalo kubalwa ngokwehlukile. Lokho ukuvuselela i-akhawunti yamanje kumthengisi ku IIS bengayi.

izinzuzo

Esimweni kwezomnotho engazinzile kunzima ukuthola inzuzo kukho utshalomali kwezimali okwesikhashana khulula. Kulungiselwe kwamandla emali, imali ifakwa kuyehla kube zero. Ukuvela kwe-IMS ikani alungise leso simo.

Leli thuluzi engase abe nesithakazelo kumakhasimende abafuna imali engaphezu kuka-bazondle ngamabhange. Ukutshala imali isamba esingeqile ayizinkulungwane 400. Hlikihla., Umuntu angenza inzuzo (kufika ku-13%) kanye siqu kwentela engenayo ukubuya, ngisho noma babengakholwa eqhutshwa ku-exchange. Kodwa umthelela kuyoba kuphela uma imali kwaba ejikelezayo. Abasebenzi kwanoma iyiphi AMC ukuncoma izenzo namacebo ukuxhaswa ngezimali. Kungakhathaliseki IIS inketho ikhethwa, zimali kungaba ukudayisa nemikhiqizo Central Bank, ukwandisa imali engenayo yakho.

Abafisa ukuphatha izimali zabo kungavula ngabanye akhawunti utshalomali ngo-2014 futhi demotrenazhere bafunde ukuhweba ngamasheya, ukufunda yesikhulumi ukuqapha ushintsho Yebo. Futhi uma uzuza okuhlangenwe nakho ngokwanele futhi inani lotshalo mali, singakwazi udlulela deal wangempela.

Iyini inzuzo ye-State

Ngokuqinisekile Abagxeki bangase baphikise ngokuthi uhulumeni nje akukwenzi ayizinkulungwane 52. Hlikihla. ngonyaka. Singasho ukuthi lena isimo okhokhela ekuthuthukiseni ngezezimali sabantu. ERussia, abantu abaningi namanje ezinokucwasa ezimakethe zamasheya. Wayephambanisa ngayo "Forex", bona imali itshalwa kumasheya ezindawo ukuthengwa ingcebo futhi imali. Lokhu kuvimbela kakhulu ekukhuleni komnotho. Okungenzeka ngakho uhulumeni uhlela ukhuthaze ukuthuthukiswa yayo.

Iyiphi inketho

Into yokuqala kufanele sinake - khona imithombo imali, okuyinto angaphansi kwentela yengeniso. Uma ingekho, bese imali kangcono wesifunda wesibili. izindleko Eminye ukubala esivezwa engenayo lokususa intela ezibanjwayo. Brokers ukunikela busebenze eyengeziwe ukuze uthole inzuzo:

1. "Finam" credit ngaphezu kwalokho nyangazonke 8% ngonyaka esele izimali.

2. BCS unikeza omunye phezu kwamasu amathathu utshalomali nge isivuno okulindeleke 10-25%. Kodwa ukutshalwa kwezimali ezifana bazokhokhelwa kuka eminyakeni 7-13.

Izibalo zibonisa ukuthi IMS kuzuzisa ngokwengeziwe abantu Iholo ngenyanga ezingaphezu kuka 35-40 izinkulungwane. Ruble. Abameleli besigaba phakathi ukufunda nokubhala ngaphezulu ngokwezezimali, abe sokuma mathupha. nelutjalomali kwesikhatsi lesidze isiqala nje ukuthuthukisa eRussia. Ilayisensi ye KB "ephephile" ithiye le nqubo kuphela. Ngakho-ke, ukwandisa ngezezimali sabantu bungatholakala zokulungisa eside. Kule umbono, IMS izinhlelo ayahambelana ozongela umhlalaphansi kanye nezinzuzo intela ukwandisa ukukhanga ukutshalwa kuphela.

NPF AIS vs vs ezifakwa

Umehluko omkhulu itholakala lokuthi ukuthi ithuluzi elisha ivumela abanikazi akhawunti ukukhetha into utshalomali. Abagqugquzeli iphoqelekile ukuba inikeze amakhasimende ayo nge yezinsizakalo zethu, imikhiqizo kanye namasevisi ngeke wenze izinqumo ezinolwazi futhi uphathe ingozi. IMS - a okunye wangempela imali, okuyinto zibulale investimenti e Central Bank. Ochwepheshe ithemba lokuthi ukubandakanywa entsha yomculo imali intando yiya stock market. Ngokocwaningo Sberbank-CIB, zimali angaphandle ephethwe mayelana 70% lamasheya Russian ezisebusweni iflothi khulula.

Umhlaba umkhuba

I-akhawunti ngabanye utshalomali osekunesikhathi kukhona amazwe athuthukile e ngandlela-thile:. ISAYA e-UK (ingxenye 50% yesizwe sonkana), TFSA e Canada, ira e-US (39%) nokunye D. Lezi amathuluzi asiza abantu abavamile ukwandisa imali, ukuhweba ezimakethe zamasheya. okulingana Russian sidaliwe ukwandisa ukukhanga emehlweni ukutshalwa kwezimali zomphakathi. Ngaphansi imithetho emisha, abatshalizimali eyenziwa eminyakeni engaphezu kwezinkulungwane ezintathu ephethwe amasheya noma lokhu kwabelana, bese benquma ukuthengisa kubo, kukhona sokuthola ukukhokha intela edonswa eholweni siqu.

-Akhawunti Investment ngamunye: Savings

Broker BCS kanye ebhange efanayo okuhleliwe. Ekupheleni idiphozi elithi "i-akhawunti utshalomali" nge isivuno 9.5% azo zonke izimali uzobe adluliselwe ku-MIS, pre-wavula ngo AMC. Kulokhu, iklayenti bazothola i ibhonasi ezingeziwe 2.1% ngonyaka. Sberbank Lisenza amakhasimende ayo ukuvula IIS. Imigomo Yesevisi - standard. Ithuba eminye ukwandisa capital namanje entula.

isifinyezo

01.01.2015 Nge entsha ithuluzi imali uvele Russia - i-akhawunti ngabanye utshalomali. Ungakwazi uyivule ku AMC isikhathi esingekho ngaphansi 3 iminyaka. Ngokukhetha inketho izinzuzo lentela ukuzifinyelela ngokucophelela: owokuqala ihlinzeka imali okuqinisekisiwe in inani ikhokhwe kwentela yengeniso wonyaka. Le ndlela yesibili zimali asebenzayo abakholelwa inzuzo imisebenzi yabo. Ukukhetha ukwenza ukwedlulisela izimali. Shintsha isinqumo ku senzo asikwazi ungenwa isikhathi. ithuluzi okusha - a okunye okuhle idiphozi, njengoba ikuvumela ukuba uthole ayezolithola kuqhathaniswa yokuthi amabhange banganikeza.