Okuningi oholela kangcono ukutshala imali? Kuleso imali?

Okubi isimo somnotho ezweni lethu, ukucasulwa ekupheleni 2014, ivumela ukuba bafinyelele esiphethweni ekuqiniseni lenkinga esanda kubalwa, 2015. Lokhu umhlahlo osekelwa ukubukwa kokubili ochwepheshe isiRashiya futhi Western.

Njengengxenye ukuwa yashesha we lwemali kazwelonke ekupheleni konyaka odlule, abaningi babezibuza mayelana lapho ukutshala eRussia kunakho konke ayengabenzela inzuzo noma kanjani ukusindisa ukonga etholakalayo uma amabhange "izinyanda" zivaliwe.

Ziyini izimbangela eziyinhloko zalokhu obumbi bomnotho Russian

Kunezici okungenani eziyisihlanu:

1. Isimo esibucayi e-Ukraine, okwaphumela ukwehla eziningi yizinkomba zezomnotho, futhi kwaya ngokuya kwanda inkohlakalo imbangela yashesha yiziphethu (Ngokusho kochwepheshe abaningi, uzoqhubeka esikhathini 2015 iyeza).
2. Advanced yeYurobhu iba, e-Australia, e-USA, Canada nakwamanye amazwe lwezijeziso.
3. Encishisiwe ukuncintisana Russia ngenxa outflow of izimali zakwamanye amazwe ngenxa unswinyo ngenhla.
4. kwencika Direct amanani kawoyela.
5. Ukuwa kwe-kazwelonke lwemali kanye noguqukozimali zenzalo ka Central Bank ngenxa indiza dolobha.

Isibikezelo sezulu sezinsuku yamanje sokuthuthukisa umnotho Russian e 2015 isihlobo

Izimbangela oshiwo ngenhla kokuntengantenga umnotho wethu naveivaet izibikezelo esidumazayo kakhulu ukuthuthukiswa wayo, yingakho kuba zonke umbuzo esiphuthumayo kabanzi mayelana ukuthi, kakhulu kube nenzuzo enkulu imali ngo nyaka. ukuwa Izinga lwemali kazwelonke ekupheleni konyaka odlule kusenza sicabange zezomnotho ehamba phambili ngisho eyaziwa.

Ukubikezela V Osakovsky (ibhange US Merrill Lynch Specialist): Umnotho Russian uyaqhubeka ukuhlala komnotho kuze ikota 2 2015 Wabikezela zero ukukhula of the ruble ngo nyaka. Izinga lokwehla kwamandla emali, ngokusho kwakhe, ngeke ifike ezingeni 8% ngo ngekota 1st of 2015. Kule ndaba, ekoteni 4th, Central Bank ngizolivusa amazinga. I Ngenxa yawo wonke lo - ukwehla kwenani izinhlelo loan futhi falling imali eyiphinda (real) abantu. Nokho, engxenyeni kulo nyaka wesibili kuzoba khona oluqinisayo sokukhula komnotho Amathrendi ngenxa lenyuka imali yomphakathi, ikakhulukazi ngenxa nokwakhiwa kwaleli bhuloho YaseCrimea nokwakhiwa iphayiphi igesi eChina, kanye nokuncipha ukungeniswa. UmPhumela okwengeziwe kuxhomeke ekutheni Ukrainian waphawula ukudamba kokuntengantenga noma liyokwazi ukusimama.

Isibikezelo D. Nell A. Slyusarchuk (Morgan Stanley zezomnotho ezinkulu US yasebhange ubambe lenkampani): nokwehla kwezomnotho ngo-2015 ngo-0.5%, ukunciphisa ivolumu utshalomali, ukusetshenziswa, kuyashesha ijubane emali. Lokhu kuzoholela ukwanda Central Bank zenzalo kuze kwesigamu kulo nyaka wesibili. Futhi ukusho ukwencika sathuthukisa ezomnotho ngomphumela obumbi e-Ukraine. Ukuqhubeka yokukhuphuka amazinga basukume, neRussia uzongena sokuntenga komnotho ezweni sihlalise angu-1.5%.

Ministry of Economic Development sezulu ukuthi ukukhula komnotho ngo nyaka ngo-1%.

Ngokuqondene izikhungo Western ezezimali nezomnotho, zingabantu ukuhlolwa ezahlukene intuthuko isimo somnotho eRussia.

FocusEconomics Isibikezelo: ukukhula komnotho ngo-2015 kuya ku-1%. A ezezimali nezomnotho yezindaba Bloomberg kusikisela ukuthi kube nokukhula komnotho we 1.15% sizoba khona kulo nyaka wezimali.

Isibikezelo Danske Bank, BNP Paribas futhi Swedbank: ukuntengantenga yeminyaka emibili nesifo umthwalo kakhulu kulo nyaka (0.6-3% ukwehla).

Lapho ungakwazi imali isimo somnotho samanje?

Izindawo ezisemqoka of utshalomali:

1. Imakethe exchange angaphandle (ephoqelela ingozi emali, ngisho nalapho elondolozwe imali). Uma namanje banesifiso ukutshala kule imoto utshalomali, kubalulekile ukukhetha uhlobo lwemali esitebeleni kunazo (euro, i-swiss franc, US dollar). Ukutshala Imali Ngokuthenga ruble manje abangaphezu kuka-okuyingozi.
2. Ungakwazi ukutshala ingcebo. Ukutshala imali ezakhiweni kwezohwebo, ukwakhiwa kwezindlu uhlale, ngomqondo ongokomfanekiso, funa. Nokho, qaphela ukuthi impahla kungaba lula ukuna intengo okungenani u-50% ngesikhathi kunezinkinga. Ngakho-ke, ukuthi kusebenze kakhulu ukutshala ingcebo kodwa ukuthuthukisa idolobha.
3. Imali ukuze kulondolozwe kanye nokwengezwa imali. Ngaphezu kwalokho amangalelwe aphoyintimenti yabo yokuqala njengoba imali ngenzalo kuyoba ayizwakali ngenxa amazinga ubuncane. Uma umphumela okungekuhle, ngeke amboze ukulahlekelwa. Noma kunjalo, uma namanje banquma ukutshala imali ngenzalo, kubalulekile ukugcina iziqondiso ezilandelayo:
   
   ● ithemba kudingeka amabhange okunokwethenjelwa kakhulu;
   ● ukhethe ezifakwa kangcono, benethuba ukuhoxiswa esinqunyiwe noma ephelele ngaphandle kokulahleka ngenkathi inzalo enqwabelene;
   ● Kufanele ukutshala ngokushesha endaweni amabhange ambalwa, kanye umnikelo elilodwa zingalo kuze kufinyelele 700 ayizinkulungwane. Deda. ngoba ejensi umshwalense uqinisekisa ukuphepha isamba esingeqile ayizinkulungwane 700. ukukuthinta.
   
4. Kwasendulo, ubuciko. Kuyaqapheleka njengoba ithuluzi okuthembekile kakhulu utshalomali ngezikhathi zeziyaluyalu. Uma kukhona ukungabaza ukuthi zinjalo yini ukutshala lapha, thina singaqinisekisa thina ukuthi ukutshalwa kwezimali ezifana abhekwa omunye inzuzo kakhulu futhi enokwethenjelwa amathuluzi utshalomali. Lokhu umnikelo kuzosiza ukuvikela amafa kanye ukwandisa ke kakhulu.
5. amatshe ayigugu. Lena inketho sasivumela okuyingozi kuphi ukutshala imali (utshalomali) ngoba izinga zegolide njalo ziyaguquguquka (njengoba manje). Ngokufanayo kunjalo ngesiliva. It kubhekwa palladium esitebeleni kunazo.
6. izimali Mutual (a okuyingozi kakhulu utshalomali yomculo). Kuhle kokusho ngesimo kanye crash stock market (2008-2009 GG.). Abaningi bakholelwa ukuthi lesi simo ungase ziphindwe manje, ngakho-ke akuyona inketho, lapho kungcono ukutshala imali.
7. ibhizinisi siqu. Ochwepheshe ukweluleka uyeke lolu hlobo lekusisa nengwadla. Nokho, uma isinqumo mayelana oda lapho ukutshala, futhi lokhu ibhizinisi lakho siqu, kufanele ugxile izinto nemisebenzi ebalulekile (ngokungabi bikho ukuminyana ingxenye).
8. Wabelana (idinga ulwazi esikhethekile ukuphathwa iphothifoliyo ekhona). Esikhathini isimo engazinzile zomnotho kuleli zwe bangakwazi nabaphathi efanele ukuletha imali enkulu.
9. Stock market ukufunisela. Lena indlela enhle njengoba lapho engcono imali (ikakhulukazi ngezikhathi zeziyaluyalu, lapho izingcaphuno kuzuba ngempela umxhwele). Nokho, ngalesi sikhathi akukuhle ukuqala inqubo ukuqeqeshwa kwezohwebo, futhi kungcono ukuthemba ochwepheshe.

Ngakho, kungakhathaliseki ukuthi ukutshala imali ngokuthenga izindlu noma kwakudala, noma inzalo, noma lapho umuntu - .. Isinqumo ezidinga ukuhlaziywa sina okusekelwe criteria ezifana ukuthembeka, inzuzo, ingozi, njll enjalo kuwufanele oyophuma isimo samanje somnotho wezwe lonke.

Ukutshala imali ngamasheya

Lona ethandwa kakhulu ithuluzi usuku utshalomali. ngenxa yokuthandwa kwayo, kunqunywa eziningi eziwusizo okukhethekile, yingakho nguye umholi phakathi kwezinye zokutshala imali. Nokho, ukuqinisekisa ngempumelelo enkulu kwamatayitela liyadingeka ifa ethile ulwazi mayelana nenqubo utshalomali.

Trade ngamasheya - inqubo oluphakeme elula ngenxa yokuthi imali enkulu idatha egcinwe ku-elekthronikhi. Uma amakhono adingekayo azitholakali, kubalulekile ukuphathisa professional abadayisi ukuhweba. Wavuma kusengaphambili ikhomishana uhlela yokuhweba ngaphansi kwezimo ezimvunayo.

Izinzuzo kubhekwa ithuluzi utshalomali

Faka ngamasheya kunenzuzo ngenxa yezizathu ezilandelayo:

• inani lenzalo yonyaka enikezwa ukubuya ku amasheya eqala ukubaluleka 100%;
• intengo yamasheya isethwe okusekelwe imbuyiselo inkampani ngemuva kwaso, lesi engenayo - ethathwe izinga lokwehla kwamandla emali (nje abaphathi art amafemu kuletha imali eyengeziwe ukuze umninimasheya).

Okumbi kwaleli thuluzi utshalomali

Ukutshala ukuthenga amasheya, abaningi bakholelwa isixazululo zingenzeki ngoba:

• banalo simo esishubile of impahla (ngaphansi kwethonya inani lemakethe amasheya angawa ngokucijile);
• inzuzo shareholder can ngesikhathi kakhulu okungenani (kuqala, ukukhokhela abahlinzeka, abasebenzi, abantu abakweletwayo ngalesi simo, nokunye. n.).

Ezemfundo njengoba investimenti okunye

Ukutshala imali ngaleyo ndlela esikhathini esizayo uthela izithelo njengoba isikhundla esisha futhi ngenxa yalokho, amaholo ezinhle. Esikhathini nengwadla kuyasiza ukucabanga mayelana imfundo yesibili ephakeme noma ukuqeqeshwa izifundo noma ukuphinda uqeqesho.

Imfundo - siyindlela ezinhle, lapho ungakwazi ukutshala, kulapho lolu hlobo utshalomali izonikeza eziningi eziwusizo emakethe yezabasebenzi. Ngaphezu kwalokho, ngesikhathi kunezinkinga e wokufundisa nakho ugcine (amayunivesithi amaningi zinikeza izaphulelo ukuze ahehe amaklayenti).

Kodwa akufanele ukusisa kezefundo, uma kunokungabaza mayelana yokuntuleka isikhathi noma isineke ukuthi baphothule ukuqeqeshwa kwabo.

Izikhangibavakashi njengenye indlela lokho ukutshala

Abaningi bakholelwa lena inketho ezuzisayo kakhulu ukuchitha imali. Ukuze ukwaneliseka ngokwengqondo, ngaphezu yezitolo, udinga ukutshala okuvelayo kakhudlwana futhi ezinhle. Ngokuqondene nalokhu iholide nakanjani egcwele, njengoba kungase kuthinte izinga lomsebenzi olwengeziwe.

Nokho, uhambo - akusiwona ncamashi ungumuntu omuhle lokho ukutshala uma lesikweletu noma esikhathini esidlule. Futhi kuwufanele uhlelo uhambo bebodwa, ngenxa yokuthi ukuthi ezimweni yamuva ucabanga ikhambo ejensi.

Ukutshalwa kwezimali ekuqaleni-up

Ukuze uqalise ukukutshela lokho isiqalo. Lokhu izinkampani ezintsha ezinikeza ngokuyinhloko ubuchwepheshe obusha. Ukwethulwa kwe ukuphila khona ezibangelwa ubuchwepheshe obusha futhi engaziwa, bawaletha ku umthengi - umsebenzi kunalokho nzima, isixazululo friendly ukuthi ungaba amaphesenti angaphezu kwayikhulu yenzuzo. Yingakho le ndlela futhi waqaphela mayelana ekuvumeleni ukuthi okuningi oholela kangcono ukutshala imali.

Ukuze uthole lolu hlobo utshalomali, kudingeka siqiniseke ukuthi izingxenye ezifana igoli iqembu, umbono kanye uhlelo kuhlobene, futhi inkampani uyazibona Injongo yayo futhi kanjani yayo liqalise (ingxenye eyinhloko impumelelo).

Kunezibonelo okwanele lapho zokuqala ngeqanda kukufake izigidigidi Holdings, kuyilapho ekwandiseni zimali kwayo zonke izigaba yentuthuko. Okwamanje, kukhona ukwehlukana kwamaseli ekhethekile zokuqala ukuthi ukuletha izinkampani kanye zimali.

"Exchange of ekuqaleni abantu abadala" - iwebhusayithi lapho idatha yenkampani, iziphakamiso zabo, izinhlelo zebhizinisi bhalisiwe, futhi ubonise adingekayo ukukhuthazwa. zimali abanentshisekelo uxhumane inkampani futhi kamuva atshalwe nesiphakamiso. Omunye ukuqala kungaba ezingaphezu kweyodwa zimali.

I izinzuzo nezingozi lolu hlobo utshalomali

Lena indlela enhle njengoba lapho oholela kangcono ukutshala imali, ngisho esimweni ezishile-out, isibonelo, amalungu ayishumi alo zokuqala nanye, lona wamuva uyakwazi recoup umonakalo ezivele ngenxa inzuzo amaphesenti latinkhulungwane letinyentana.

Nokho, qala-up - kungcono njalo engozini futhi endaweni yayingaziwa nhlobo. Kaningi, bona ningafi ngenxa imicabango emibi, kodwa ngenxa inhlangano ukuphathwa abanye abakwazi ukufunda futhi ezingasebenzi lenkampani.

Naphezu nemibi, it namanje kubhekwa njengendlela isixazululo ezinhle umbuzo lapho imali (zimali appreciative Izibuyekezo - isiqinisekiso lokhu). Ngaphezu kwalokho, abaningi esiholwa Folk ukuhlakanipha: "Ubungozi - imbangela esihle."

inkonzo Investment PAMM-akhawunti

Ngokwezwi nezwi ehunyushwa ngokuthi njengoba Iphesenti lenzuzo ukwabelana mojuli. Njengoba isevisi utshalomali uhlobo ukuphathwa kwempahla, okuvumela zimali ukuze bazuze ngidayisa emakethe currency "Forex", iwakhelela ukuthi abadayisi professional.

yokusebenza kwalo Isimiso: zimali (ubani usise ku PAMM-akhawunti) ukunikelela akhawunti jikelele, elibamba zokukhwabanisa okuhambisanayo nokuphatha abakhethiwe yabo (umthengisi). Ngenxa yalokho, lo kuphumele inzuzo (ukulahlekelwa) lwabelwe esekelwe ingxenye ku-akhawunti Imininingwane zimali.

ukuphepha Kwenziwa ekuvimbeni kungenzeka kokuhoxiswa kokuhlelwa zimali zabo abadayisi. Abatshalizimali, esikhundleni salokho, singakhipha imali ekweletwa kuye nganoma isiphi esilungele kuye isikhathi.

Imfuneko ukulawula - ukwethulwa izimali siqu kwi PAMM-akhawunti. Lokhu kungenxa division of ingozi (abadayisi, ukwenza ukuthenga, izingozi kanye nezimali siqu). Kusukela ngamunye wathola sakhe esifanele inzuzo umvuzo kabani usayizi esiyabelwe sivumelwano (20-50%).

Ukuze uvikele ukutshalwa kwezimali ezivela ngokulahlekelwa kwabo Imininingwane phakathi ngidayisa ku PAMM ama-akhawunti kungenzeka ukuchayeka umkhawulo ukulahlekelwa ezingeni elithile. Futhi ngempela izinikele isu lethu zero ingozi.

Izinzuzo PAMM akhawunti

Amanye awo yilawa:

• kuqhathaniswa ebhange iphesenti lobuKhristu inzuzo (okusekelwe professional amakhono ukulawula, u-100%);
• imali ithuba ngokushesha ngangokunokwenzeka (e ngesonto);
• ukukhetha lokulawula ngokusho izidingo zakho;
• ubuncane sezingeni elamukelekile utshalomali (kusuka $ 100);
• kungenzeka kwezimpawu okusheshayo izimali ngokufunwa (phakathi nesonto);
• Isheduli khulula;
• ukuqapha iwashi kokutshalwa;
• indlela ukhululekile ukutshala (ukude);
• ukuphathwa utshalomali kusuka kuphi kukhona Ukufinyelela i-Inthanethi;
• asikho isidingo ukuqeqeshelwa umdlalo emakethe lwemali;
• ukuhoxiswa ngokunika noma iyiphi indlela elula (i-akhawunti yasebhange, "Yandex.Dengi" "WebMoney" et al.).

Izincomo mayelana Ukukhetha Labaphathiswa

Amanani nemingcele eziyisisekelo PAMM-akhawunti lokhu okulandelayo:

1. Inani lokulawula (inkomba ukuqiniseka general manager nezinye zimali ').
2. Capital (abadayisi izingozi futhi inhloko-dolobha yabo kakhulu) Manager.
3. Ubudala (ngoba accrual inzalo lemali efanele iza njalo ngesonto, ibuye wabonisa emasontweni). Kunconywa ukuba ukhethe PAMM-akhawunti ngeminyaka engaphansi kuka amasonto nambili. The eside ngemisebenzi, kuba lula ukulandelela imiphumela zokuhweba, efaneleyo abadayisi nokunye. D.
4. utshalomali Ubuncane (akubonisi degree empumelelo abadayisi; ikuvumela ukuthi ukhethe wayefisa PAMM-akhawunti).
5. Secondary izici grade (bonisa umsebenzi PAMM izinto ezihlukahlukene, okungu zabo, kanye amafomula okunamathiselwe idatha nokwethenjelwa ukuzimisela ukubala esekelwe post-ukuhlaziywa abadayisi).

Ngakho, isinqumo ngokuthi lapho oholela kangcono ukutshala imali ithathwe kuncike isimo samanje emnothweni futhi iyini injongo wemali.