Iziphakamiso ezimbalwa malunga nendlela umntu oyimfihlo ukuthenga ngayo izabelo

Namhlanje, wonke umntu uxhalabile ngokuba nobutyebi ngokukhawuleza, kuba kunzima ukuhlala ngaphandle kwemali kwi-capitalism zasendle. Nangona umabhalane weofisi okanye umnini-shishini umncinci ufumana ubunzima bezezimali, kungakhankanywa ngabo abangenalo umthombo osisigxina wengeniso.

Utyalo-mali kwaye ufumane ubutyebi

Okwangoku, enye yeengcamango eziphambili kakhulu zokuqokelelwa kwemali kukutshala imali. Kwaye kule nkalo, imarike yemasheya ixabiso elithile.

Kuyinto yokufumana iziqinisekiso ezinokuthi zivelise inzuzo efanelekileyo, kuba izabelo zixhobo eziyimali. Emazweni aseYurophu, asetyenziswe ngempumelelo ixesha elide. Kuleli lizwe, lo mgca wezoshishino uphuhliso kuphela. Kwimeko nayiphi na imeko, abaninzi baseRussia banomdla kumbuzo wokuba umntu oyimfihlo uthenge izabelo. Kufuneka kuqatshelwe ukuba kukho iinketho ezininzi zokuthenga iziqinisekiso, kwaye nganye yazo ineenkcukacha zayo.

Ngoko, masiqhubekele kwicala elithandwayo lombuzo wendlela umntu oyimfihlo yokuthenga ngayo izabelo.

Mutual Funds

Ukuthenga iziqinisekiso ngokubambisana ngemali yindlela efanelekileyo yokucebisa abo baqondayo amancinci kwimithetho yemakethe yemasheya kwaye abangenayo ixesha lokuhlalutya iindaba, bafunde isicwangciso sendlela yokuziphatha kwabaxhasi kwaye bahlole iingxelo zezimali zeenkampani.

Into ebalulekileyo kukuba ukhethe i-Mutual Fund. Le ndlela yokuqokelelwa kwemali yinto enhle ngenxa yokuba kunokwenzeka ukuba ngumnikazi weebhloko ezihlukeneyo zezabelo.

Ukuba ukuhlanganisana kuyaphumelela, ngoko kunokwenzeka ukuba kuzincwitshwe ngemali enkulu kakhulu.

Umthengisi kwimarike yemasheya

Umntu uthenge njani izabelo? Kulula kakhulu. Kufuneka ufumane umthengisi onamava. Olu khetho lokuqokelelwa kwemali luya kuba luncedo kakhulu kulabo abakhetha ukulawula utyalo lwabo ngokwengqiqo. Kwakhona, kufuneka kuphawulwe ukuba kufuneka ukhethe inkampani ye-brokerage enegama elingabonakaliyo lebhizinisi. Indlela yokuthenga amashishini omntu wabucala ngokutshintshiselana? Ngaphambi kokwenza oku, kufuneka wenze umsebenzi othile: ukufunda isilinganisi esimelekileyo sabathengisi, ujwayelane neengcamango zabathengi kwaye ufunde iingxelo zemali.

Le ndlela yokwenza inzuzo iyakhangeleka ukuba kunokwenzeka ukuba ithengise nayiphi na ixesha, ukudibanisa iipotifoliyo, ngokuthengisa izinto ngokufanelekileyo ukufumana imali ngokukhawuleza. Ingongoma engekho apha kubakho kwimeko yengqondo, xa kuyimfuneko ukuqhuba imisebenzi yorhwebo kuyo nayiphi na imeko yeemeko zemarike.

Kumele kuqondwe ukuba ukwenza inani elikhulu lokuthengiselana okungekho nto kunokubangela ukulahlekelwa kwezinto ezikhulu.

Ukufunyanwa kweempahla zecandelo ngqo kumkhupha

Ingaba kukho nantlukwano yempendulo yombuzo othi: "Ngokubhekiselele kumntu oyimfihlo ukuthenga izabelo?" Ngokuqinisekileyo, ewe. Ukuba uceba utyalo-mali lwangexesha elide, ngoko uthenge izibambiso ngqo kwiinkampani ezizikhuphe. Ngolu khetho, ukuhweba okucetywayo kungabandakanywa. Ngokwemvelo, apha kuyimfuneko ukuyeka ukwenza imisebenzi yorhwebo ukuba imarike isesimo somkhuhlane. Kufuneka uqonde ukuba unokufumana inzuzo yakho kuphela emva kwexesha elithile.

Iingxaki zolu khetho lokutsalwa mali lubandakanya ubunzima bokunciphisa iphothifoliyo yokutshala imali kunye nokungabikho kokukwazi ukuphendula ngokukhawuleza kwiinguqu kwimarike.

Izabelo zeGazprom kunye neSberbank

Namhlanje, baninzi abanomdla kumbuzo wokuba bathenge amasheya kumntu wabucala weGazprom, kuba sele phantse ixabiso.

Unokwenza kwi-stock exchange. Kwakhona, uya kufuna ukufumana inkampani yokuthengisa ngempahla.

Kwakhona, abatshali-mali abangenako okwangoku bafuna impendulo yombuzo othi: "Indlela yokuthenga amashishini kumntu othile" Sberbank "?" Iskimu iyafana. Ukongeza, unako ukunikezela ukuthenga izithenkethi ngqo kwi-issuer.

Ngandlela-thile, ithuluzi lokutyalomali ngalinye linemiphumo kunye neengxaki zalo, ngoko ukhetho oluxhomekeke kuwe.

Isiphelo

Kwenzeke ukuba kwilizwe lethu lezinto ezithintekayo, ezisekelwe kwinto yokuba zonke iintengo zemali ezenzeke ngaphezu kweeminyaka amabini ezedlulileyo zimelelwe ngamasheya, ngoko ke ukurhweba yile shishini, elibi kakhulu.

Enyanisweni, akukho sizathu sokucinga njalo. Abanye baphosakele, becinga ukuba utyalo-mali kwimpahla yesitokethi ufuna ulwazi olukhethekileyo okanye i-capital capital start. Unokuqalisa ukutyala imali encinane, umzekelo, kuphela i-ruble 1000. Into ebaluleke kakhulu kukuqwalasela imithetho yeentlobo ezahlukeneyo kunye nokutyalwa kwemali rhoqo. Thenga iziqinisekiso, kwaye emva kwexesha bangakwazi ukuzisa isahlulelo esiqinileyo.