Yiziphi izibopho? Ngokungafani amasheya

Investment ka kwezezimali ngayo nefunda ngayo ungathola inzuzo etholakale, abaningi: mutual funds (mutual funds), IISy (ngamanye akhawunti kwezimali), PAMM-akhawunti lapho zimali ukwethemba izimali abahwebi, ngidayisa kwi "Forex", amasheya, ikusasa izinkontileka phezu Ukuhwebelana isitokwe nabanye. kulesi sihloko sizokutshela kabanzi mayelana nokuthi yini izibopho. Uyini umehluko kusuka nezinye izibambiso nendlela ukutshala izimali zakho kuyo?

Yiziphi izibopho

Amabhondi nezibopho - ungomunye futhi okufanayo. Igama wokuqala wesimanje, njengoba esefikile kithi evela West muva. Ngokuvamile wathola ukubaluleka "Eurobonds", okusho izibambiso ukuthi ahlelwe ku-stock exchange ngamazwe. Igama elithi "yokwakha isibopho" isetshenziswa, njengoba umthetho, ukuze yokuthengisa ezifuywayo, kodwa lokhu akuwona postulate. Ngokwesibonelo, ngokuthi izibambiso US uhulumeni kukhona izibopho kahulumeni wase-United States. Ngakho-ke, imiqondo kubaluleke ngezinga elifanayo.

Amabhondi (izibopho) - kuyinto ukuphepha, okuyinto isiqinisekiso esikweletini umkhiphi ukuze zimali. Ukuthenga kubo ngokusebenzisa isitokwe wabathengi, abantu empeleni njengokukwethembisa kwakhe, utsheleke inkampani, esebenza indima izikhungo zezimali kanye namabhange. Yiqiniso, leyo issuers ukunikela amabhonasi ehlukahlukene, kuye ngokuthi izimo kushiwo. Ukuze uqonde kangcono ukuthi yini izibopho, baphendukele kuye ukuze bathole inkokhelo.

Izinhlobo izibopho sokubalwa zimali

Kuye-ke ngeke uthole indlela otshala izimali imali, amabhondi zihlukaniswe izinhlobo ezintathu eziyinhloko:

• izibopho Kwehliswe basikisela ukuthi zonke abathengayo main uzothola ibhonasi ngesikhathi isethulo ukukhokha. Inani okuzisholo of izibambiso okukhulunywa yangempela. Ukuze uqonde lokhu kangcono, ake sithi ngolunye umuntu wathenga $ 100 115, kodwa uzolinikela kuye kuphela ngemva kwesikhathi bavumelana. Exchange uqaphe ubuqotho wonke ukusebenza.
• Amabhondi kuyathandwa isigqebhezana ezihilela fixed izinkokhelo isikhathi esithile, abatshalizimali ababizwa amakhuphoni. Inani okuzisholo izibambiso, njengoba umthetho, kuyafana ukudayiswa. Zonke imali main nje amakhuphoni. Ake sithi umuntu oyedwa wathenga $ 100 esilinganayo, kodwa uyoyinika kuphela ngemva konyaka. Income kuyinto izinkokhelo ngenyanga ruble 5.

• Amabhondi nge mini-isigqebhezana kusikisela uhlelo okuxubile Kulezi zindlela ezingenhla, ukubuya: iphesenti elincane kanye Umehluko omncane nje ihlelo.

Ezinye ngokungalungile cabanga izibopho ukuthi abelana. Empeleni akunjalo.

Ngokungafani amasheya

Wabelana - izibambiso ilungelo abanikazi babo ukuze bazuze ebhizinisini. imali okunjalo kwezinkolo kubizwa ngokuthi nenzuzo. I kuphumelele kakhulu inkampani, inani eliphakeme kuyoba. Ngaphezu kwalokho, ukuthenga amasheya lisikisela ukuthi zimali iba umnikazi we-ibhizinisi.

Amabhondi (izibopho) - kukhona izibambiso ehilela ezihleliwe imali yibhange. Akunandaba ukuthi singakanani inkampani uye wathola noma ilahleke ngesikhathi sokuthola kwabo zimali. Kunoma ikuphi, le nkampani ukuba ikhokhe ngaphansi Amabhondi.

Akulungile ukucabanga mayelana izibopho, ukuthi ilungelo isabelo ibhizinisi. Ngisho noma i zimali othenga ukuvikeleka kwamasheya okuningi kuka yonke inhlokodolobha ogunyaziwe inkampani, ngeke abe co-umnikazi.

izinzuzo

Sithemba manje kucace ukuthi lobo (izibopho). Manje cabanga izinzuzo zabo eziyinhloko:

• Phakamisa ukubuya okuqinisekisiwe zimali. Empeleni, lesi sikweletu azithathele inkampani ngokukhipha, ngakho izibambiso akuphazamisi isimo sayo sezimali samanje.
• Isivuno ingaphezu kwe ebhange okuvamile. Yiqiniso, lincane - esifundeni 10-12%, kuye ngokuthi inkampani. Ukuze izibopho bezinkampani ezinkulu federal isibopho loan sibathelela ngisho aphansi, kodwa izinga siyabethemba kangangokuthi ungachitha Isiboniso elilinganayo phakathi kwabo ezifakwa emabhange.

• Amabhondi lingathengiswa ku ezimakethe zamasheya, ngaphandle kokulahlekelwa izimali ezitshaliwe kanye engenayo evela kubo, ngokungafani zifakwe ebhange, okuyinto kakhulu bagawula iphesenti iholo sokuhoxiswa ekuseni.

nebubi

Asinakusho ukuthi izibambiso ngesimo izibopho - ithuluzi esiphelele utshalomali. Abatshalizimali bavame ukutshala izimali zakho kuyo ukuze wonge imali, hhayi uwakhuphule. Nezinkinga kanye izinkathi ukuntengantenga abafundile bezimali musa ukutshala ngamasheya ezinkampani kungase "uhlangane" zonke inhlokodolobha amanani kabani isitokwe. Zikhetha izimali zami kule nkampani efanayo, kodwa e izibopho, njengoba ukuvuma kubo kuqinisekisiwe, yebo, uma bengenayo hamba ayinamali. Ngu bawo izibopho zihlanganisa:

• Inani eliphansi uma kuqhathaniswa nezinye zokutshala imali. Kodwa ungakhohlwa ukuthi ubungozi bokulahlekelwa kubo njengoba enkulu.
• Ukuswelakala kokusebenza ngokuhlanganyela amathuba abatshalizimali babe wabasunguli inkampani kanye inzuzo.

Izizathu ukukhishwa

Sachaza ukuthi lobo (izibopho). Ingabe izibambiso ukuthi kuthengiswa Ukuhwebelana. Ziyakwazi izibopho izikweletu. Izinkampani ziye zanquma umkhuba nkinga ngenxa yezizathu ezilandelayo:

• Ngokuphuthuma ngcono isimo samanje: ukukhokha on loans, ukuzibophezela, ukuze ugweme inhlawulo, isijeziso nokunye ..
• Thenga maphilisi kudingekile kwezimpahla ngenani lentengo elikahle.
• Ngezinye ngokuntula yenkampani kwezimali nokuthuthukiswa, kanye loans yasebhange kuyoba ezingenanzuzo ezingaphezu kuka izibopho
• izici ezithile zonyaka komnotho kanye nabanye.

Uma izibopho akhishwa isimo, akusho ukuthi yimali, akudingekile ukuba imemeze "usizo, konke sekulahlekile." Njengomthetho, bonke ohulumeni aye ayisebenzisa kaningi zokweboleka umthombo phezu exchange. Kungase kube ngenxa yezizathu eziningana:

• izimali State eze ngesikhathi esithile: eziqoqwayo, tranches langaphakathi kuhulumeni, yokuvuselela ilayisensi, kanye nezindleko eziqhubekayo zenzeka njalo.
• Isamba esidingekayo ukuqeda amaphrojekthi utshalomali sina, oyoletha inzuzo okungaphezu ukugeleza rate ku izibopho.
• Ukusebenza ezinye izibopho zezimali, njll