Kuphi futhi kanjani ukutshala imali eziphezulu zenzalo?

Ukuze ukuphila ngaphandle izinqolobane zezimali ngoba ngosuku oluna imvula - isinqumo ngokuxhamazela kakhulu. Ngisho naphezu kwesimo esinzima ezweni, ungakwazi ubukeza khona ibhajethi umndeni wakho ukuba aqale ukubeka imali, ukudala Ngakho zezimali ukuphepha isiguqo. Ngokushesha umbuzo nakanjani kuphakama kuphi ukutshala imali eziphezulu zenzalo, ngoba izazi ungalilahli sakhathala ukuphinda, ukuthi izimali kufanele zisebenze esikhundleni amanga isisindo efile endaweni ethile ekamelweni.

Idiphozithi ekuqongeleleni njengoba ithuluzi

idiphozi Bank indlela ejwayelekile okulula ukonga imali. Ngeshwa, kuphela, kodwa akufanele izandisele. Nokho, uma imali yakho zisekhona ezincane, ungasebenzisa izinhlelo idiphozi amabhange njengoba ithuluzi ukuqongelela isamba elanele ukutshala kwamanye amaphrojekthi. Kulokhu, abantu bavame isifiso ukutshala imali eziphezulu zenzalo, ngoba ufuna ukuthola inzuzo kakhulu. Nokho, umthetho elula osebenza emakethe yasebhange: amaphesenti eliphakeme ukunikela amabhange abasha elaziwayo elincane, futhi inhlangano endala futhi kungase kutholakale ukuze usinde kule nkinga langaphambilini, aphethwe ngesilinganiso ulinganisele kwezinhloso zenzuzo. Ingabe kuyazuzisa kokubanga, othembela imali yabo ebhange kuyilapho ezincane wosuku olulodwa?

Kuzo zonke amabhange ezisebenza ezweni lethu, ukwesekwa global kanye nokuzethemba emabhange ukujabulela Sberbank eRussia. Leli bhange inikeza yisibalo esikhulu sabasebenzi esingakaze idiphozi akhawunti, ukuthatha ezifakwa esidlangalaleni. Umkhawulo ophezulu wezinga lenzalo ku ruble ezifakwa kuyinto 9,07% ngonyaka phezu umnikelo ngaphandle kokuba nokwenzeka replenishment nokususwa esinqunyiwe. Kungenzeka yini ukutshala imali eziphezulu zenzalo ku Savings Bank? Yiqiniso, unga. Kufanele ikhumbule amandla emali esivezwa lonke itemu idiphozi. Ukuze uthole ngokucebile idiphozi akhawunti ngeke isebenze, kodwa ungagcina bese buthelela imali ukutshalwa kwezimali esizayo. Ngaphezu kwalokho, lo mkhuba wokubeka off ezinye inzuzo yayo eyala, ulungisa ekuqongeleleni dolobha.

Lapho ukutshala imali eziphezulu zenzalo: ukhethe uhlobo utshalomali

I-akhawunti idiphozi endaweni ebhange ephephile ubhekwa omunye kakhulu ingozi, engenayo omncane. Kwabaningi kwengqondo ezingaphezu kuka inzuzo elindelekile, nakuba asikwazi ngokuthi iphuzu okuqhubekayo umbono. Lokhu kungenxa yokungabikho ukungaqiniseki amakhono abo siqu noma ngenxa yokungabi nalwazi ezifanele namakhono. Kukuphi lapho ungakwazi imali ngesikhathi eziphezulu zenzalo ukwandisa inhloko-dolobha yabo?

Ezimweni eziningi, bamahhotela bakunikeza ezindaweni ezilandelayo utshalomali:

• ingcebo futhi ayigugu;
• izibambiso (amasheya kanye nezibopho);
• zonke izinhlobo mutual funds, le PAMM-akhawunti, umdlalo ku-exchange "Forex";
• ibhizinisi siqu;
• ezinye izinhlobo ezitshaliwe.

Ngayinye yalezi zindawo muhle ngendlela yalo, kunezakho izingozi ayo nokunikezwa lamadigri inzuzo obuhlukahlukene. Sizocabangela zonke izinhlobo utshalomali kabanzi.

Ukutshalwa kwezimali ingcebo futhi izinsimbi eziyigugu

Kukhona yesikhathi esifushane neyesikhathi eside ukutshalwa kwezimali. yemizi namatshe ayigugu nje isikhathi eside kodwa ezuzisayo futhi bayakwazi ukuletha inzuzo enhle ngempela. Ungakwazi imali ngesikhathi eziphezulu zenzalo, ukuthenga ethile yasebhange igolide. I ingot kufanele igcinwe ezimweni ezikhethekile, njengoba isimo yayo ompofu (imihuzuko, nezakhamuzi) kungehlisa intengo ukudayiswa. Ukuze bathi izindleko zemali yokuqhuba ibhizinisi ikhuphuke kakhulu, kuyoba njalo nasezinsukwini eziyishumi noma ezingamashumi amabili eminyaka, nobe nakakhulu.

Emhlabeni indlela ibhizinisi esifanayo ingcebo, kodwa ngisho lapha kukhona ezinye umehluko wemisindo nemiqondo yamagama. Imakethe ingcebo liyashintshashintsha, amanani fall ngezansi ukuthengwa - lena ukulahlekelwa. Kungenzeka futhi ukuthi impahla atholwe itholakala endaweni ezokwenza kabusha. Akekho ofuna utshalomali bakhe baya sokudilizwa, kuba inkinga eyengeziwe futhi ukulahlekelwa ezingaba khona.

Ukutshalwa kwezimali amasheya kanye nezibopho

Izibambiso babe zezimali okusezingeni eliphezulu, ikakhulukazi uma kwenzeke ukutshala imali ebhange nganoma eziphezulu zenzalo e okunokwethenjelwa inkampani isinyathelo ngombono noma izibopho lesi sikhundla esinemali. Ukuze abale nokwethenjelwa inzuzo ukutshalwa kwezimali, noma kudingeka baqonde kahle ngokwanele izibambiso emakethe, noma ukuthola utshalomali umeluleki ezinhle.

On ukwabelana Yiqiniso, musa akhokhe inzalo esinqunyiwe, Nokho, ube umnikazi wamasheya enkampanini inzuzo, ningaqiniseka ukuthi isabelo sayo inzuzo. Izinzuzo ingafaniswa ne eziphezulu zenzalo, ekugcineni-ke futhi inzuzo okuholela uma utshala imali. Ngaphandle kwalokho, bethembisa isitokwe yenkampani ngokushesha futhi kancane kancane liphuma intengo.

"Forex", bese ekhokhela mutual PAMM

Ukuhweba emakethe exchange angaphandle "Forex" kungaba ezingaphezu kuka inzuzo, futhi uphendulela amakhanda abahwebi abaningi ekuqaleni. Ukukhangisa ku-inthanethi kusho ukuthi akudingi cishe lutho - udinga i-computer, ethile imali ukuqala ukubhida futhi abe usozimali. Ungakwazi kanjani imali ngenzalo wathola njengoba inzuzo emva ukudayiswa lwemali baziswa. Ekusebenteni, iningi Abadayisi ezintsha zonakale, anginaso isikhathi ukuqonda ngempela imithetho yomdlalo. Amathuba inzuzo enkulu lapha side by side nge izingozi okusezingeni eliphezulu.

PAMM-akhawunti futhi bayingxenye 'Forex "emakethe, kodwa ngesikhathi esifanayo obathembayo imali yakho ekuphathweni ngaphezulu abadayisi' ebona, enethemba ngesikhathi esifanayo ingxenye yenzuzo.
PAMM-akhawunti ukuzola kakhulu, zonke izinqumo zenziwa ngumphathi, kodwa izingozi zalesi kungukuthi encishisiwe. Lapha kuziwa phakathi force isici womuntu, umphathi angenza iphutha kuthengiselana, futhi izolahleka uvo lwakho.

Isikhwama Mutual - fund mutual. Ukutshala Imali Ngokuthenga isabelo kungaba ngokusebenzisa ebhange, futhi udinga noma umphathi, ozoqhuba zonke izindaba utshalomali. Izingozi lapha Kuthi esingaphansi kule "Forex" emakethe, kodwa impumelelo ukutshalwa kwezimali kuleli cala futhi akuqinisekile kakhulu.

ibhizinisi siqu

Ungabheka izindlela imali ngesikhathi eziphezulu zenzalo enyangeni edlule, kanti ngiyethemba ukuthi ibhange awazange ahoxe ilayisensi kanye noguqukozimali ukubambelela out uhlaka ezinye ehloniphekile. Nokho, kukhona inguqulo onamandla angaphezu - uvule ibhizinisi lakho siqu inzuzo. Kuye ezindaweni ezikhethiwe umsebenzi, inzuzo lingafika ku-300%, akukho yasebhange ngeke ukunikeza enjalo yokuziphilisa.

Yiqiniso, okokuqala udinga ukufunda udaba, ukutshala bese ulinda okokuqala kuze kube ibhizinisi uzoya nokwaneliswa. Uma nenzuzo yokutjala nokululama izindleko uphathe ukuphuma phakathi nonyaka, kodwa-ke kungcono esihle, futhi isikhathi eside, kusukela koleminyaka emithathu kuya kwemihlanu, akubhekwa inhlekelele, uma intuthuko eqhubekayo futhi unesimo sengqondo esihle.