Ukutshala kuphi imali encane nokuthi ungayithola kanjani?

Ukuze uqiniseke ngokuzimela kwabo ngokwezezimali, udinga ukugcina imali encane yemali, njengoba besho, ngosuku oluluhlaza. Inketho efanele izokutshala izimali, ngoba izimali ngeke zilale endaweni ethile emvilophini, ebhokisini. Bazoqala ukusebenza kumnikazi wabo. Kuphela umbuzo othi: "Kukuphi ukutshala imali encane?" Phela, idiphozi ngokuvamile ihlaba umxhwele ngempela. Kodwa izimali ezincane zithandwa futhi, ngisho nangaphezulu kwezimali ezinkulu.

Ama-deposit

Mhlawumbe indlela ethandwayo kakhulu yokuthola imali yakho "yokusebenza" ibeka idiphozi. Ukukhuluma ngokuqinile, lokhu kuyindlela eqinisekisiwe, ebhekwa njengokwethenjelwa hhayi engozini. Uma kukhona umbuzo mayelana nokuthi ungayitshalaphi imali encane, ukhetho ngokutshalwa kwemali ediphozi luza engqondweni into yokuqala. Kusukela ezihlukahlukene kweziphakamiso ezibekwa phambili yibhange, amehlo agijima. Lezi zingase zibe yiziphozi ezingenzi, kanye nalabo abangakhula ngesikhathi sokufaka imali. Inzalo itholakala njalo ngenyanga noma ngekota. Noma zingasetshenziswa ngumnikazi we-akhawunti kuphela emva kwesikhathi esedlule sokuthi idiphozi idalwe ngayo. Ngendlela, kufanele kuqashelwe ukuthi isithakazelo siyinto enkulu kakhulu. Ibhange ngalinye linikezela lona, kodwa isilinganiso esilinganiselwe singu-11% ngonyaka. Ngakho-ke, uma umnikelo ungama-ruble ayizinkulungwane eziyi-100, ekupheleni kwesikhathi, lowo muntu uzothola okungaphezulu kuka-11 000 kusuka phezulu. Ukwanda okukhulu kakhulu. Ngandlela-thile, amabhange amaningi ayamukela ama-deposit avela emalini amancane - isibonelo samaRuble ayizinkulungwane. Yiqiniso, umuntu kufanele aqonde ukuthi ngeke kwenzeke ukuthi uthole okuningi kusuka kumanani anjalo, kodwa lapha kuza isaga esiRashiya esidumile - kungcono kunanoma yini.

Ukuthembeka

Yiqiniso, ukucabanga ukuthi ungayitshalaphi imali encane, umuntu kuqala uqaphela into enjalo njengokuthembeka kwebhange elithile. Ngakho-ke, ubheka izinketho eziningana, ukhetha okungcono kakhulu. Namuhla, kunenqwaba yezinhlangano ezinjalo, futhi ngenxa yomncintiswano omkhulu, bavame ukuhlela izenzo ezehlukene ukuheha amakhasimende. Noma kunjalo, ukwethembeka kuleli bhizinisi kungaphezu kwakho konke. Ngakho-ke, ngaphambi kokunquma ukuthi uzotshala kuphi imali encane, kubalulekile ukwazi ukuthi ibhange elihle kufanele libe khona okungenani iminyaka emibili futhi libe nesimo sombuso. Amabhange amahlanu athembekile kakhulu kuleli zwe afaka iSberbank, VTB, Gazprombank, RosSelfozhBank ne-Alfa-Bank.

I-"VTB" ngumlingani otshalwa utshalomali onokwethenjelwa

Abaningi bakhetha enye yalezi zinketho, becabanga ukuthi uzotshala kuphi imali encane. I-"VTB" ibhange engingathanda ukusikhombisa ngokukhethekile. Le nhlangano inikeza uhla olubanzi kakhulu lwezinsizakalo ezihlobene nokutshala izimali. Futhi lokhu kusebenza kokubili emakethe yokushintshaniswa kwamanye amazwe kanye nemakethe yamasheya. Lezi zibandakanya ukusebenza ngezibambiso, kanye nokuthengiselana ngezinketho kanye nekusasa, kanye nokuhlinzeka ukufinyelela kokuhweba, ukuthengwa kwama-unit of funds kanye nokuthengisa kwabo, nokunye okuningi. IBhange isebenzisa amathuluzi afakazelwe futhi asebenzayo futhi inikeza amasu angcono kakhulu ekulawuleni izimpahla zayo. Kulolu hlu lwezinsizakalo alupheli lapho. I-"VTB" ibuye isebenze nezinsizakalo zokuhweba, idala izimo ezikhethekile kumakhasimende ayo, futhi ibanikeze nokufinyelela kokuhweba kwi-Forex ngemigomo ehle kakhulu.

Izitifiketi nezinsimbi eziyigugu

Akubona bonke abantu abazwelana nomqondo wokuvula i-akhawunti yabo yasebhange nokubeka imali kuwo. Futhi bafuna ezinye izinketho. Okunye okunye ukutshala izimali eziyigugu. Ngendlela, abanye baze batshale izimali zemali. Kodwa lokhu kuyingozi kakhulu, ngoba izinga elihambisana nezinsimbi alinakuqiniswa. Futhi ngaphezulu. Izindwangu zidinga ukuhlinzekwa ngezimo ezifanele ukuze zingalahlekelwa isethulo. Ngaphezu kwalokho, lokhu kuyitshalomali yesikhathi eside. Kodwa, kunjalo, uphumelele futhi uletha inzuzo. Akumangalisi ukuthi amabhange amaningi abizwa okuthiwa ama-akhawunti ensimbi - agcina izinsimbi ezithengiwe. Kodwa ngezibambiso zihlukile kancane. Ukuze wenze umnikelo ophumelelayo, umuntu kufanele azi ukuthi yiziphi izibopho kanye namasheya. Kulokhu, kukhona ukubonisana. Kufanele kuqaphele ukuthi amasheya angabiza kancane (okungenani i-ruble eyodwa), futhi ingabiza kakhulu (amanye amashumi ezinkulungwane zamaRandi adingekayo kwamanye amaphepha).

Ukutshala izimali zanamuhla

Lezi zihlanganisa i-akhawunti ye-PAMM. Babonakala eRussia kungekudala, eminyakeni embalwa edlule. Kodwa-ke, imali engenayo engasuswa emalini yalolu hlobo iyamangalisa. Abantu abaningi ababezibuza ukuthi bangayitshalaphi imali encane kuyi-Internet beza ngenxa yalokhu. Umgomo wukuthi izimali zamakhasimende eziningana ezizimele zifakwa kwi-akhawunti ejwayelekile, kanti isazi esihambelanayo (umhwebi) ulawula imali. Ekugcineni, imali yakhiwe, futhi isakazwa phakathi kwalabo bantu abatshale imali ku-akhawunti ye-PAMM. Izinzuzo zobuningi. Okokuqala, ukugcinwa kungaphansi kokulawula. Okwesibili, zingasuswa ngokushesha. Okwesithathu, ungakwazi ukuqapha umsebenzi womphathi. Futhi okubaluleke kakhulu - ungenza ama-deposits amancane, okuyinto engenakunqotshwa, njengoba wonke umuntu angazame kuleli bhizinisi.

Iminikelo ngamadolobha

Umbuzo wendawo yokutshala imali encane ngo-2014 awusasebenzi, ngoba ozayo uzofika, ngo-2015. Manje sekuyisikhathi sokucabanga ngekusasa futhi unqume ukuthi yimiphi iminikelo ezoba yinzuzo kakhulu kulo nyaka. Kufanele kuthiwa kubahlali bendawo eyodwa, abanye noma ezinye izimali zingasondelwa, kanti abanye - cha. Kukuphi ukutshala imali encane ePenza, isibonelo? E-real estate! Kuyinto edolobheni elincane, kodwa maduzane lakhiwe ngenkuthalo. Umqondo omuhle ukuthenga igumbi futhi uyiqashe. Noma zama ukutshala imali ebhizinisini. Ngokuvamile, kunezindlela eziningi zokutshala, ngisho nezithobekile. Into eyinhloko ukukhetha ukuhluka okufanele ngokwakho futhi kuqala ukuzijwayeza ngazo zonke izimo.