IzimaliIzimali zomuntu

Indlela ukusindisa imali? Indlela ukusindisa imali usenkingeni

Yiqiniso, lesi simo ezingezinhle emnothweni Russian inomphumela omubi phezu izinga lempilo yezakhamizi, okuyinto namuhla ekulahlekeni ephelele mayelana nendlela imali. Against isizinda nokuntengantenga we lwemali kazwelonke, intengo kawoyela, ukunciphisa ivolumu utshalomali kuleli zwe, lolu daba kubaluleke kakhulu. Futhi akumangalisi ukuthi abaningi ukucabanga nendlela ukulondoloza imali Ngaphansi kwalezi zimo ezinzima.

Isimo luyindida, futhi nokungathembani komkhakha wamabhange. Ngenxa yalokho, izakhamuzi abanalo ngokuqiniseka ukuthi, ngokusebenzisa amathuluzi ezifana idiphozi ibhokisi noma idiphozi, ungagcina imali yakho siqu. Futhi uwagcine ekhaya "ngaphansi kumatilasi" - futhi ukhetho best.

Izimbangela Ukuwohloka umnotho

Ngaphambi kokuvala yombuzo kanjani imali, kuyoba ngcono lokunquma umbuzo wokuthi kungani umnotho waseRussia manje ibhekene akuyona izikhathi ezingcono. Izizathu zalokhu zihlanganisa lezi ezilandelayo:

  1. Inqubomgomo esinonya emazweni aseNtshonalanga. unswinyo kwezomnotho ehola amandla Western, wanciphisa inani zimali angaphandle, inkohlakalo ingxenye - konke lokhu buhlungu sina ezimakethe zethu zezimali.
  2. Ukwencika emnothweni Russian amanani kawoyela. Ngeshwa, emnothweni Russian luncike lezimpahla yokuhweba. Ukuwa izindleko emgqonyeni uwoyela ingavele kunciphisa ruble exchange rate, okuholela ezifuywayo ebhange central kuphakamisa zenzalo.

Ikhumbula ngenhla, kunzima kakhulu ngempela ukucabangela ukuthi yimuphi kuyozuzisa ukutshala, ingasaphathwa kanjani imali.

umbono uchwepheshe

Nokho, ezinye izingqapheli kwezomnotho babekholelwa ukuthi izwe esikhathini esizayo esiseduze alindele ukwehla izinga imali kanye nokwehla uboleka e komkhakha wamabhange. Engxenyeni ngomnyaka wesibili izimo zomnotho ngcono ngandlela-thile ngenxa ukutshalwa entsha namaphrojekthi.

Cishe bonke ochwepheshe oyikholelwayo ukuthi umnotho Russian, kanye nezinye izinto, ziyonquma zezombusazwe futhi "ingxenye": ephoqelela imibono yabo Western amazwe aseYurophu uzame nokuqalisa izimangalo indawo.

Banking yemboni Strike

Esinye isikhali esiyinhloko esingakulethela kuhloswe ngazo ukubhujiswa emnothweni isiRashiya, ivaliwe ezweni kusukela international SWIFT uhlelo. Uma lokhu kwenzeka, ikhono lokuphatha izimali entshonalanga nokulingana afakwe amabhange angaphandle kuzoncishiswa zero.

Izindlela ukulondoloza imali yabo siqu

Ngakho, indlela imali ngesikhathi kunezinkinga? Kwamanye, lona wamuva kunosongo ezinzima, futhi othile - kungenzeka. Yingakho namuhla akufanele ukhethe ukulinda bese ubuka, lapho ezweni lethu ngenxa yesimo sezomnotho waqonda. Kunalokho, kubalulekile ukuba usebenzise wonke umsebenzi kungenzeka futhi uthathe isinyathelo.

ingcebo ukutshalwa

Awazi yini ukuthenga imali? inzuzo ngezimali kuyinto ukuthengwa komhlaba, futhi uzohlala, zokuhlala kanye commercial ingcebo - kuyinto "lwemali ozinzile". Ngesikhathi esifanayo, akufanele sikhohlwe ukuthi amafulethi kanye namahhovisi ngezikhathi ezithile baba eshibhile, ngakho kufanele uwuthenge asathuthuka, lapho value abo emashumini eminyaka ezayo kuyoba okuthembekile.

Uma sicabanga ukuthi ukuthenga ukonga imali, kufanele kuphawulwe: ekubeni umnikazi efulethini elibizayo, ungalindeli ukuthi uyobuya kwezinyanga ezimbalwa wachitha investimenti - kuzothatha iminyaka engaphezu kweyishumi. Uma ungeyena Usazimisele ukulinda isikhathi eside, kufanele ukhethe yezinye embodiments dolobha ukwanda.

ukutshalwa kwezimali Kwemali Foreign

Awunayo noma yimuphi umbono sendlela wonge imali ngesikhathi kunezinkinga? Indlela elilungile - ukuguqula ezinye "fa elitholakale kanzima kanjalo" e currency angaphandle (EUR, USD, CHF). Against isizinda ruble exchange rate kokuntengantenga kwezomnotho, isilinganiso esinjalo singabiza kwetfulwe ngemalengiso. Kodwa noma kunjalo, ingxenye yeholo labo kufanele agcinwe lwemali kazwelonke, njengoba kunzima kakhulu ukubikezela ukuthi kuyoba wakhe Ugxumela ngesinye isikhathi.

ezifakwa emabhange

Uma Sikhatsateke kakhulu umbuzo kanjani ukulondoloza imali kwamandla emali, impendulo ezivame kakhulu kuzoba: usebenzisa ebhange. Nokho, akumelwe sikhohlwe ukuthi ukusetshenziswa kwaleli thuluzi kuzuzisa kuphela uma imali ehloselwe isitoreji isikhathi eside, futhi ukulahlekelwa kwezimali kungenzeka kwedlule maphesenti. Ngaphambi uphathisa capital yakho, ngokucophelela uhlole ukuthembeka a yasebhange isikhungo esithile. Of lonke uhla imali ebhange, khetha izimo ezikuvumela ukwenza iminikelo ngokwengxenye ngokugcwele noma ngaphandle ukungasathandi. Lungile ukugcina imali yabo abekho omunye isakhiwo yasebhange, futhi abambalwa (khumbula ukuthi ubukhulu umnikelo ngeke sidlule inani 650 000 - Izinkampani zomshuwalense sinikeza isiqinisekiso ku ukubuya idiphozi ruble 700 000).

izinsimbi eziyigugu

Ezinye ukuxazulula inkinga kanjani ukulondoloza imali eRussia, ngendlela yendabuko futhi kungase kutholakale - bathola ku izinsimbi zabo eziyigugu. Nokho, ezinye izazi zikholelwa ukuthi akusiyo ejwayelekile kuphela, kodwa futhi indlela okuyingozi ukuze ulondoloze imali. Bayachaza isikhundla sabo ngokuthwala yokuthi isiliva nethusi kukhona imikhiqizo exchange-adayiswa, ngaleyo ndlela amanani abo lingashintsha kanzima. Inani elikhulu of baseRussia uncamela ukugcina dolobha yabo igolide, njengoba ensimbini eyigugu wake eshibhile, kodwa ezibizayo. Ngaphezu kwalokho, igolide has a izinga ezifana ukuqina, okusho ukuthi ngisho nangemva kweminyaka engu-100, ungakwazi ukuwudayisa inzuzo.

Ukutshala imali Izimali ezilinganayo

Ufuna ukufunda ukuze alondoloze futhi ukwandisa imali? Faka kwabo kwelinye okunokwethenjelwa impahla izakhiwo, okuzokwenza ezixhumanisa umsebenzi inkampani ukuphathwa. Lolu hlobo ukutshala izimali okuthile-phakathi imisebenzi emakethe yamasheya ezifakwa emabhange.

I ethembisayo ngokuya izinzuzo kubhekwa sitshala imali isibopho izimali futhi amasheya. Nokho, alungele yokuthi lapha udinga ukwazi engozini kahle.

ukwabelana

Uma ukhathazekile kakhulu mayelana nendlela imali ngokwakhona, kungcono uzibeke senzo. Lezi izibambiso babe zezimali ezinhle, futhi uma wazi ukuthi kufanele sizisingathe kanjani kahle kubo, ungakwazi ukwenza ngcono isimo sakho siqu zezimali. Nalapha futhi, akufanele sicabange ukuthi abathenga futhi badayise amasheya - kungcono umsebenzi olula oyoletha tibalo fabulous. Udinga njalo bezilolonga izenzakalo: nsuku zonke ukuhlaziya izindaba ngendlela esifike ngesikhathi babe umhlanganyeli yokudayisa futhi bakwazi kahle ukudlala ku exchange umehluko. Kunoma ikuphi, uzothola lokhu okulandelayo: ukuthi uzoba isicebi, noma uzoya alinamali.

izincomo Jikelele

Uma ungafuni ukulahlekelwa imali yabo, ochwepheshe onegunya batusa ukuthi banamathele emithethweni ethile yokuziphatha.

Okokuqala, yakha bona fund reserve, okuyinto agcwaliswa njalo ngenyanga e inani 10% umholo wakho. Uma eze "izinsuku abamnyama" emnothweni, imali engamancozuncozu ukusiza tide wena phezu "untanta" isikhathi esithile. Uma umnikazi webhizinisi, kufanele futhi udale Isikhwama reserve, lapho imali uyofika kuba nezindleko ezivela singalindele.

Okwesibili, ukufunda ukuze ulondoloze. Eminyakeni yamuva, emphakathini ukusetshenziswa ezingeni ke owakhula waba izingxenye ezinkulukazi lapho uthenge njengoba izinto ezidingekayo futhi okungadingekile. Bomnotho kunciphisa amandla wokuthenga kanye umthengi uqala yokusebenzisa imali ngokuhlakanipha.

Okwesithathu, ahlaziye njalo izindleko zakho yasendlini. Cabanga ngalokho izindleko ingashintshwa.

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