Kakhulu nenzuzo ukutyala imali? Kuloo imali?

Yayisongela imeko yezoqoqosho kwilizwe lethu, okuphinde ekupheleni kuka-2014, ivumela ukuba bafikelele kwisigqibo sekomelezeni kwentlekele asanda kubalwa, 2015. Le sase- ixhaswa izimvo neengcali Russian kunye Western.

Njengenxalenye kuwa olukhawulezisiweyo lwemali kazwelonke ekupheleni konyaka ophelileyo, abaninzi babezibuza ngokubhekiselele apho ukutyala eRashiya kunye nenzuzo enkulu enokufumaneka okanye indlela yokonga imali ekhoyo xa iibhanki "iinyanda" zivaliwe.

Eyona eziphambili ezibangela kwintlekele yoqoqosho Russian

Kukho ubuncinane zintlanu:

1. Imeko ebalulekileyo Ukraine, nto leyo ikhokelele ekuncipheni eziliqela izikhombisi zoqoqosho, kwaye okhula unobangela urhwaphilizo okukhawulezayo ephumayo (Ngokutsho iingcali ezininzi, iya kuqhubeka-2015 ukuza).
2. Eurozone Advanced, eOstreliya, eUnited States, Canada kunye namanye amazwe kwezohlwayo.
3. Ukuncipha ukhuphiswano of Russia ngenxa nencindi mali angaphandle ngenxa izohlwayo ngasentla.
4. ukuxhomekeka ngqo kumaxabiso oyile.
5. Kokuwa kazwelonke imali kunye nokunyuka kwamaxabiso umdla Central Bank ngenxa nemali.

Ingxelo zangoku kuphuhliso loqoqosho Russian ngo-2015 xa kuthelekiswa

Oonobangela ikhankanywe apha ngasentla yeentlekele uqoqosho lwethu naveivaet Ingxelo okukhathaza kakhulu kuphuhliso wayo ozakube usaqhutywa, nto ke leyo ebangele iba zonke umbuzo engxamisekileyo ngakumbi ngaloo nto, inzuzo ngakumbi ukutyala imali kulo nyaka umiyo. kuwa olukhawulezisiweyo lwemali kazwelonke ekupheleni konyaka ophelileyo yenza sicinge zezoqoqosho phambili bade kwaziwa.

Ipredikshini V. Osakovsky (bank US Merrill Lynch iNgcali): Uqoqosho Russian gqolo ukuhlala ukudodobala de kwikota yesi-2 ka-2015 Yena kwangaphambili zero lokukhula engange kulo nyaka umiyo. Emali, ngokutsho kwakhe, baya kuvuka ukuya kwinqanaba ka-8% xa ikota 1 ka-2015 Kule nkalo, kwikota yesi-4, i-Central Bank iya kuphakamisa irhafu. Iziphumo zako konke oku - ukuhla kwinani leenkqubo mboleko kunye nengeniso esiwa abantu (wokwenene). Nangona kunjalo, kwisiqingatha sesibini kulo nyaka apho kuya kubakho someleza imikhwa yokukhula kwezoqoqosho ngenxa yokwanda kwinkcitho karhulumente, ingakumbi ekwakhiweni kwebhulorho iCrimea kunye nokwakhiwa wegesi eTshayina, kwakunye ngokuncitshiswa amazwe. Isiphumo ngakumbi kuxhomekeke ukuba Ukrainian waphawula de-kwengxabano ntlekele okanye wokuhlaziywa kwayo.

Wezulu D. Nell A. Slyusarchuk (Morgan Stanley abezoqoqosho ezinkulu US bank ephethe inkampani): nokwehla kwezoqoqosho ngo-2015 nge-0.5%, ukunciphisa ivolyum zotyalo-mali, ngesifo sephepha, nokukhawulezisa isantya kwamaxabiso. Oku kuya kukhokelela ekwandeni amazinga enzala Central Bank de kwesiqingatha sesibini salo nyaka. Kwakhona Bathi ukuxhomekeka kophuhliso loqoqosho ngakumbi ngesiphumo kwentlekele Ukraine. Amazinga ukunyuka waqhubeka vuka, naseRashiya uya kungena recession ukuya kwi-1.5%.

Ministry of Economic Development kulindeleke ukuba ukukhula koqoqosho kulo nyaka yi-1%.

Ke ukuba amaziko ezemali kunye nezoqoqosho Western, ukuba iimvavanyo ezahlukeneyo zophuhliso kwi imeko yezoqoqosho eRashiya.

FocusEconomics liqikelele: ukukhula koqoqosho ngo-2015 ukuya ku-1%. I-arhente iindaba zemali kunye nezoqoqosho Bloomberg ucebisa ukuba ukukhula koqoqosho 1.15% baza kuvandlakanywa nyaka umiyo.

Uqikelelo Danske Bank, BNP Paribas kunye Swedbank: ngonyaka-emibini komnotho umthwalo kakhulu kulo nyaka (0.6-3% ukwehla).

Apho utyalo imali kule meko imaxongo yezoqoqosho?

Ukweyona-mali:

1. Imarike exchange angaphandle (linyanzele umngcipheko kwamaxabiso, naxa egciniweyo cash). Ukuba kusafuneka umnqweno ukutyala kule yotyalomali, kuyimfuneko ukuba ukhethe currency iyizinzise (euro, franc Swiss, US dollar). Indyebo kwi engange ngoku ngaphezu yingozi.
2. Ungatyala izindlu. Ukutyala imali kwizibonelelo zorhwebo, ukwakhiwa kwezindlu usoloko, ngoko ukuthetha, ngokwemfuno. Nangona kunjalo, qaphela ukuba lo propati kunokuba lula ukuba kuwa ngexabiso ubuncinane i-50% ngexesha lentlekele. Ngoko ke, esebenza ngakumbi ukutyala izindlu kodwa ukuphuhlisa umzi.
3. Iidipozithi ukuba ulondolozo kunye esele imali. Ngaphezu koko ibango iziqinisekiso zabo yokuqala ukutyala imali kwi inzala iya kuba kuphumelele ngenxa amazinga ubuncinane. Ukuba isiphumo esibi, abayi kugubungela ilahleko. Noko ke, ukuba niqhubela phambili wagqiba ukutyala imali ngenxa yenzala, kuyimfuneko ukuba agcine zikhokelo zilandelayo:
   
   ● trust kufuneka iibhanki zithembeke kakhulu;
   ● khetha iidipozithi ngcono, kunye nokwenzeka zokurhoxa buso okanye epheleleyo ngaphandle ilahleko ngexesha nenzala ethe;
   ● kufuneka imali ngoko nangoko xa kukho amaziko zebhanki ezimbalwa, kunye negalelo ngalinye liya kuba ukuya ku-700 lamawaka. Engange. kuba arhente inshorensi kuqinisekisa ukhuseleko mali esingekho ngaphezulu kwamawaka 700. bagcobe.
   
4. Antiques, art. Le zinakanwa isixhobo inokuthenjwa zotyalo ngamaxesha obunzima. Ukuba kukho ukuthandabuza ukuba ingaba ukutyala apha, siya angaqinisekisa ngokwethu ukuba utyalo ezinjalo zithathwa ngomnye izixhobo zotyalo inzuzo nethembekileyo. Le umnikelo kuya kunceda ukukhusela kwimpahla ukuyandisa kakhulu.
5. amatye anqabileyo. Olu khetho noko yingozi njengoko apho ukutyala imali (utyalo-mali) ngenxa yokuba izinga kwegolide usoloko enyuka (njengoko okwangoku). Ngokufanayo kunjalo yayeyesilivere. Oku kucingwa ukuba palladium kakhulu izinzile.
6. imali Mutual (a isixhobo yotyalo yingozi kakhulu). Kufanelekile ukuba sikhankanye ngale meko kunye ungqubano istock market (2008-2009 gg.). Abantu abaninzi bakholelwa ukuba le meko ingenzeka kwakhona, kwaye okwangoku, ngoko oku ayisosizathu, apho kubhetele ukutyala imali.
7. siqu. Iingcali ukucebisa ukuba phindo nga lo hlobo lotyalo-mali le ngxaki zangoku. Noko ke, Ukuba, isigqibo malunga indlela ukutyala, kwaye oku ishishini lakho, kufuneka sinikele ingqalelo izinto kunye neenkonzo ezibalulekileyo (engekho ingxinano ingxenye).
8. Izabelo (ifuna ulwazi olukhethekileyo ulawulo yepotifoliyo ekhoyo). Xa imeko yezoqoqosho ezingazinzanga kweli lizwe babe nolawulo olufanelekileyo ukuzisa ingeniso ebonakalayo.
9. ukufunisela market stock. Le yindlela elungileyo ukuba apho okusemandleni ukuze ukutyala imali (ingakumbi ngamaxesha obunzima, xa iikowuteshini siphinda- kakhulu enhle). Nangona kunjalo, ngeli xesha ke kungcono ukuba ukuqala inkqubo yoqeqesho lorhwebo, kwaye kungcono ukuba uthembe nabasebenzayo.

Ngoko ke, nokuba ukutyala imali izindlu okanye kwakudala, okanye inzala, okanye apho enye - .. Decision efuna uhlalutyo kakhulu ezisekelwe kwindlela yokugweba ezifana ukuthembeka, inzuzo, umngcipheko, njl Kusoloko kubalulekile ukuba uphume imeko yangoku noqoqosho lweli lizwe.

Ukutyala imali kwizabelo

Esi ethandwa kakhulu ukuba isixhobo umhla utyalo-mali. yokuthandwa kwayo, kuxhomekeke kwiqela lokulungileyo olupheleleyo, nto ke leyo ebangele ukuba yinkokeli phakathi kwezinye izixhobo zotyalo. Nangona kunjalo, ukuze kuqinisekiswe ngempumelelo enkulu izibambiso kufuneka ukuba ilifa isixa esithile ulwazi malunga nenkqubo yotyalo-mali.

Urhwebo ngezabelo - le nkqubo ibonakala ngcono ngenxa yokuba isixa esikhulu data egcinwe ngendlela ye-elektroniki. Ukuba izakhono ezifunekayo azifumaneki, kuyimfuneko ukuba owonithemba urhwebo umrhwebi umsebenzi. Wavuma kwangaphambili ngenxa ikhomishini acwangcise ukuthengisela amagama kakuhle.

Izinto eziluncedo isixhobo mali ingqalelo

Indyebo ngezabelo ngcono ngenxa yezi zizathu zilandelayo:

• ireyithi yokubuyiswa kweengxelo kwizabelo yonyaka uthatha ixabiso 100%;
• ixabiso share lo umiselwe ngokusekelwe ndifuna inkampani emva kwayo, le ingeniso - livela kwamaxabiso (abaphathi nje vutshila mveliso kuzisa imali eyongezelelweyo kwi-sabelo).

Ezingeloncedo le sixhobo investment

Ukutyala imali ezitokisini, abaninzi bakholelwa isisombululo nzima ngenxa:

• banalo hexa lwepropati (phantsi kwempembelelo ixabiso lemarike sezabelo angawa kabukhali);
• zabelo ingeniso ngezinye unguyena mncinanana (kuqala, iintlawulo kubanikezeli, abasebenzi, amatyala, njalo njalo. n.).

Imfundo njengendlela mali

Utyalo mali kwixesha elizayo iya kuvuthwa iziqhamo nesikhundla esitsha kwaye, ngenxa yoko, umvuzo olungileyo. Kule ngxaki zangoku kubalulekile ukucinga malunga imfundo yesibini ephakamileyo okanye izifundo zoqeqesho okanye uqeqesho.

Imfundo - yindlela elungileyo, apho imali, kokukhona oku uhlobo lotyalo-mali iza kubonelela inani Kuyinzuzo kwimalike yabasebenzi. Ukongeza, ngexesha lokudodobala ekufundiseni kuya konga (kwiiyunivesithi ezininzi zinika izaphulelo ukwenzela ukutsala abaxhasi).

Kodwa asifanele imali kwezemfundo, ukuba kukho ukuthandabuza malunga yokungabikho kwexesha okanye umonde ukugqiba uqeqesho lwabo.

Iindawo ezinika umdla njengento ukhetho ukuba utyalo

Abaninzi abakholelwa le yeyona nenzuzo ukhetho ukuchitha imali. Kuba ukwaneliseka ngokwasengqondweni, ukongeza ezivenkileni, kufuneka imali okuvelayo ngakumbi yaye ulungile. Malunga nalo ikhefu ubotshiwe igcwele, njengoko kuchaphazela umgangatho womsebenzi ngakumbi.

Noko ke, uhambo - akukho kanye ukhetho kakuhle ukuba imali ukuba ngetyala okanye elidlulileyo. Kananjalo kubalulekile ukuba isicwangciso uhambo ngokwabo, ngenxa yokuba kwiimeko zakutshanje yimali ye arhente zokuhamba.

Utyalo ekuqaleni-up

Ukuze uqalise kukuba ukukuxelela into isiqalo. Oku iinkampani ezintsha ezifundisa ngokuncamisayo ubuchwepheshe obutsha. Ukuqaliswa ubomi iiteknoloji ezintsha ayaziwa, ebakhuthaza ukuba umsebenzisi - umsebenzi kunokuba nzima, isicombululo nezinokuthi zibe ngaphezu kwekhulu ekhulwini yenzuzo. Kungenxa yoko le nto kusifikeleyo oku khetho kwaye ibonakaliswa malunga avume ukuba kakhulu inzuzo ngakumbi ukutyala imali.

Ukuze afumane olu hlobo lotyalo-mali, kufuneka siqiniseke ukuba amacandelo afana injongo weqela, ingcamango kunye nesicwangciso zihlobene, kwaye inkampani uyazi kakuhle yemishini yayo nendlela yayo nokuphumeza (ingxenye eziphambili impumelelo).

Kukho imizekelo ngokwaneleyo zokuqala xa ngeqanda ithuba kwiibhiliyoni zorhwebo, lo gama ekwandiseni zimali kuzo zonke izigaba zophuhliso. Okwangoku, kukho istock exchange okhethekileyo zokuqala ezizisa iinkampani kunye nabatyali zimali.

"Exchange of start-ups" - website apho ebhalisiweyo data inkampani, izindululo zabo, izicwangciso zoshishino, kwaye ubonise imali efunekayo ukunyuswa. nabatyalimali abanomdla qhagamshelana nkampani yaye kamva kutyalwa nesiphakamiso. Omnye start-up kunokuba mali ngaphezu kwesinye.

Nobubi bendlela olu hlobo lotyalo-mali

Le ukhetho ezilungileyo zokuba apho inzuzo engaphaya ukutyala imali, nkqu kokutsha meko, umzekelo, ezilishumi zokuqala elinanye, le yokugqibela uyakwazi ukuba kubuyiswe ezo ilahleko ekungenwe ngenxa isivuno amawaka aliqela ekhulwini.

Kodwa ke, qala-up - yinto usoloko unomngcipheko kunye indawo unexplored. Lidla ke akukho kufa ngenxa iingcamango ezimbi, kodwa ke ngenxa yokuba lo mbutho abangafundanga engathethekiyo ulawulo yenkampani.

Nangona bobubi, oko iseyeyona njengesisombululo olungileyo umbuzo apho ukutyala imali (abatyali Banoxabiso reviews - isiqinisekiso yale). Ukongezelela, abaninzi akhokelwa intsomi ubulumko: "Risk - isizathu unguwo."

inkonzo Investment PAMM-akhawunti

Nezwi ngokuthi ngokwepesenti imodyuli yokwabelana inzuzo. Njengoko i inkonzo mali kukho uhlobo lolawulo lwee-asethi, nto leyo evumela-mali ukuze bazuze ekurhwebeni imarike lwemali "Forex", umzobo ukuba abarhwebi abaqeqeshiweyo.

Its isimiso ukusebenza: abatyali (nabani na utyale imali kwi PAMM-akhawunti) nokwenza igalelo kwi-akhawunti jikelele, esibambe ukuphululwa ahambelanayo ukulawula zabo abanyulwa (umrhwebi). Ngenxa yoko, i inzuzo ngenxa (ilahleko) yabelwa ngokusekelwe nomndilili-akhawunti yomtyali iyonke.

ukhuseleko ikhutshwa phandle uvimba ithuba ukurhoxiswa abatyali-mali zazo yomrhwebi. Abatyali, ke, bangayirhoxisa imali etyalwa kuye nanini na elula ixesha ngaye.

Xilaveko sokulawula - ukuqaliswa kwiimalizabo kwi PAMM-akhawunti. Oku kungenxa nokwahlulwa umngcipheko (umrhwebi, ukwenza imicimbi, iingozi kunye neemali zakhe). Ukusuka ngalinye bafumana iingeniso umvuzo wakhe ngenxa yakhe ubungakanani wabelwa kwisivumelwano (20-50%).

Ukuze kukhuselwe utyalo-mali evela ilahleko zabo lilonke ngexesha ukuthengisela PAMM akhawunti ilahleko umda okungenzeka kwinqanaba elithile. Kwakhona ngokwenene lizimisele isicwangciso sethu ka-zero umngcipheko.

Izinto eziluncedo ze akhawunti PAMM

Zezi zilandelayo:

• kuthelekiswa ifakwe kwibhanki ipesenti enkulu ngengeniso (esekelwe kwizakhono ulawulo yobungcali, ukuya kwi-100%);
• ithuba ingeniso ngokukhawuleza kangangoko kunokwenzeka (ngeveki);
• ukukhetha ulawulo ngokweemfuno zakho;
• kwinqanaba ubuncinane eyamkelekileyo lotyalo-mali (ukusuka $ 100);
• ithuba zokurhoxa ngokukhawuleza kwemali kwi imfuno (phakathi evekini);
• schedule free;
• esweni iwashi mali;
• indlela ukhululekile ukuba utyalo (kude);
• ulawulo investment ukusuka naphi kukho ukufikelela intanethi;
• akukho mfuneko ukuba baqeqeshelwe ukuba umdlalo kwimarike imali leyo;
• ukurhoxiswa nangayiphina indlela elula (-akhawunti yebhanki, "Yandex.Dengi" "WebMoney" et al.).

Iingcebiso malunga nokukhethwa trustees

Iimpawu zentsulungeko zoMgaqo-esisiseko Ipharamitha PAMM-ingqalelo oku kulandelayo:

1. Imali yokulawula (sisalathisi yinkoloseko umphathi jikelele ezinye abatyali ').
2. (Ubungozi umthengisi kunye eyinkunzi wabo) Capital Manager yakhe.
3. Age (kuba accrual kwenzala kwimali ezifanelekileyo iza veki nganye, nto leyo nayo kubonisiwe kwiiveki). Kuyanconywa ukuba ukukhetha PAMM-akhawunti kunye nobudala ngaphantsi kwe kwiiveki ezilishumi elinesibini. Okukhona ngemisebenzi, kungenza kube lula kakhulu ukuba ukulandelela iziphumo zokurhweba, ubuchule umrhwebi njalo njalo. D.
4. wotyalo-mali osezantsi (ayibonisi iqondo lempumelelo umrhwebi; ukuvumela ukuba ukhethe i olifunayo PAMM-akhawunti).
5. Secondary iimpawu grade (umsebenzi ukubonisa PAMM yimiba eyahlukeneyo, kuphantse zabo, ngokunjalo ifomula attachment data nokuzimisela ukuthembeka count esekelwe kwi-post-analysis of uMrhwebi).

Ngoko ke, lo isigqibo apho inzuzo engaphaya ukutyala imali kuxhomekeke imeko yangoku kwezoqoqosho kunye yintoni injongo ye-mali.