Professional izinketho ekunyukeni kwakho imali. A kukho olukhulu kukugcina nokwandisa le mali

Ukuze wandise imali yakho, ekuqaleni kukuba baqonde iingqiqo ezimbini: ingeniso kunye nenkcitho. Abantu abaninzi abazizityebi efikelele kwinqanaba zabo eziphathekayo kuba nje bakwazi ukwaba ngokuchanekileyo iindleko nje kuphela kodwa ingeniso. Ukuqwalasela iinketho abaziingcali ukwandisa imali yakho, sinikele ingqalelo-inyathelo ezimbini endleleni eya ukuchuma eziphathekayo, ukuba wayedlula izinto eziphathekayo kufuneka ukubala:

1. Ukubala ingeniso iyonke: iinzuzo, imihlala-phantsi, umvuzo, part-time njalo njalo.
2. Ukubala iindleko: zokuhamba, ukutya, imidlalo, ukuthenga izinto ezinkulu kunye nezinye izinto.

Esisiso nokuhlola imeko yabo yemali, ungakwazi ukuthatha inyathelo kwaye iqwalasele imiba ephambili yotyalo-mali.

Indlela yabelwa ingeniso kunye nenkcitho?

Emva kokwenza izinto ezimbini echazwe amaxabiso lwamanani zithelekiswa, kwaye zisekelwe phezu ngenxa yemisebenzi elizayo olucwangcisiweyo. Xa inzuzo imali engakumbi, ihleli eyinkunzi simahla, nto leyo eza kwandisa kwixesha elizayo. Ukuba ingeniso neendleko, kufuneka unciphise inkcitho okanye ukuthatha unonophelo imithombo ezongezelelweyo yengeniso. Ngokufanayo, kufuneka senze naxa ukusetyenziswa lidlula ingeniso.

imali Free zifakwa ukujikeleza, uya kukuthwala inzala, ngokwenyusa kancinane njenge snowball. Ekuhambeni kwexesha, ikomkhulu uya kuqalisa ukusebenza ngokwawo, kwaye xa scheme iza kuphehlelelwa, i-phindo lwe-lwabiwo akayi kufuna inkcitho ebalulekileyo yamandla.

Ukutyala imali ebhankini OFBU

ulawulo Fund, zebhanki kunye nolawulo ngokubanzi mali, - inkqubo lotyalo-mali, nto leyo kuzo zonke iziko lemali. imisebenzi yazo zilawulwa yi-Central Bank of lizwe. Icebo ukutyala imali ilula kakhulu. Kwiimeko ezininzi, umtyali-mali kukunika ulawulo ezamahala imali. ngenyanga nganye, iminyaka embalwa iza kufuneka senze utyalo-mali. Emva kokuphela kweminyaka emithathu, xa isixa-mali iza kuba eqinileyo, kapitalovkladchik ufundisa ithuba ukususa isiqingatha mali ababeyiqwebile ukugqithisela ukuba i-akhawunti eyeyakho, ukubuyisa imali yabo nzima. Le abagcinisa iya kuhlawulwa inzala imali ebhankini. Le nguqulelo yengeniso isixando Kulula kakhulu ukuba aququzelele, iya kukukhumbuza ipension yesibini.

Ukutyala imali ebhankini ukulawula

Ukuhlola iinketho a professional ukwandisa zebhajethi yazo, ukuba kubuzwa ulawulo ekugxilwe kuzo (ulawulo lwempahla). embundwini entry kule nkqubo yayo mali iphezulu kakhulu kwaye lisukela kwesiqingatha sesigidi engange. Ngokungafaniyo mithi - ipesenti ephezulu inzuzo. Xa kuthelekiswa utyalo kulawulo mali, ngoko akukho akuyi kuba top ngenyanga phezulu ngegalelo labo, kwaye inzala iya kususwa emva kwinyanga yokuqala wentsebenziswano. ulawulo lwempahla ibandakanya iingcali ukuhanjiswa amaziko zemali zotyalo-mali. Imali ingasetyenziswa ukuthenga izabelo, ukuba kutyalwa mali efanayo okanye ezisetyenziswa ukurhweba kwimarike lwemali yamazwe ngamazwe. Ukuhlola iinketho a professional ukwandisa imali yawo, thina ukutsalela ingqalelo into yokuba lo ulwalathiso kakhulu ilula kwaye ayifuni naluphi na ulwazi oluthile.

Ukutyala imali amatye anqabileyo

Iibhanki ezinkulu lenze enye umthombo wengeniso. Ukutyala imali amatye anqabileyo ngokubaluleka kuthandwa. Ngokukodwa ekhutshwe ukuthenga kwibhanki nganye bullion isilivere, negolide kunye platinum, uze ubale kwinto yokuba emva ngoxa kuba ziindleko ezinkulu kakhulu. Ukuthenga igolide nesilivere, ingakumbi amaxesha uhambo lwabo ixabiso esebenzayo - kukho olukhulu ukwandisa imali yawo.

Ngelo xesha langoku ukutyala kweli cala akuyomfuneko ngenxa imeko yezoqoqosho ezingazinzanga ehlabathini. Ukuba ujonga itshathi amanani, uya kuphawula ukuba kwezi nyanga zimbalwa zidlulileyo, onke amatye anqabileyo abawayo ngokwexabiso. ukwanda ixabiso elincinane umyalelo we-5% kuphela enye idrophu.

Imali kuyo nezabelo

Ukuba unayo imvelaphi zemali, kwaye unalo ulwazi malunga nophuhliso loqoqosho, kuyenzeka ukuba siqwalasele iinketho ukwandisa imali yawo, njengoko ukuthengwa ezitokisini kunye nezabelo. Ke thembela mali Nobomi kwemali nexesha elinye-zililize ekungekho nzuzo ngayo. Ukunqabiseka wenza isivumelwano aphumelele ubukho obutofotofo, akusayi kusebenza. Njengoko kukhankanyiwe ngasentla, uqoqosho ayikho izinzile. Nokuba izolo, iinkampani ozele amathamsanqa uphethwe sisifo ukuhla elibukhali ngokwezabelo zabo phezu ilahleko umdla bezimali. Phambi eninzi imali, ungakwazi ukuthatha uncedo arhente wemali. Kuba Iingcali ezithile imbuyekezo iya kuthatha ukuba ziqhube uphando lokujongisisa lemarike izibambiso ze ncedo kwiindawo ezininzi elithembisayo utyalo-mali.

lwemali exchange

Unqwenela ukwandisa zebhajethi yazo ibe ngamaxesha "ukudlala" yeentlekele ukuguqulwa kohlobo lwemali. Uyakwazi ukubona ulwalathiso umzekelo imeko eRashiya kwiinyanga zakutsha nje. Abo abemi abaye zidluliselwe imali yabo kwi iidola ekwindla yokuqala 2014, ngoku landa ikomkhulu labo ngesiqingatha. Ngokuthenga ikharensi ngexabiso eliphantsi, ngoku ukuguqula ezinye izinga layo. Ingxaki nje kukuba ezi tshintsho ke kweli lizwe kube kanye kuphela iminyaka embalwa, ngamaxesha zimbi uqoqosho emva kwisigaba elide ngexesha layo. Njengoko kunjalo kunye nokuthengwa kwezabelo okanye izibambiso, kukho kufuneka ulwazi oluthile endle ezoqoqosho kunye nezopolitiko.

Ukuthengwa izibopho

Bahambisa kuko ukwandisa imali yakho, iingcali Siyaleza ukuqwalasela ukhetho yokuthenga iibhondi yebhanki. Ukuba uthenga izibambiso kwiziko zemali apho kukho idipozithi, unako ukubala kwi ekhulwini extra ezimbalwa. Yona nabangamakhoboka, ukuba azise 12-13% ngonyaka. Ngaphandle kwento yokuba nezibopho idipozithi kuyingozi kakhulu, xa ukhetha i arhente ilungelo ukuthenga kubo, unako ukubala kakhulu ngenxa endilisekileyo.

Ukutyala imali Internet

A Isixhobo oluxhaphakileyo lwe-mali mihla - a PAMM-akhawunti. Lidla ipesenti enkulu yabantu ngokunikela imali yabo ukulawula abarhwebi abanezakhono abaya bathengiselane izixhobo zemali kwiimarike lwemali yamazwe ngamazwe. Le ntsingiselo yinxalenye ingcamango "iinketho ezigqwesileyo ukwandisa ibhajethi yakho" kuba isixa-mali yahluke kakhulu. Kuvumelekile ukuba babele ulawulo njengoko $ 10, no-100, 1000, 10, 000 nangaphezulu. Ukuba ufunda ukuba ukhethe indlela ulawulo, iingxaki imveliso kwi eyinkunzi akuthethi kuvuka.

Yintoni PAMM-akhawunti kunye nendlela imali kuyo?

A ukhetho olukhulu ukwandisa imali yawo - ngakwicala kunye isivuno eliphezulu kwaye ukhe kunye nexesha. PAMM udalelwe ukuhlangabezana nazo zonke ezi meko. Ukuze uqalise kukuba ukhethe inkampani kumthengisi ophambili nezingqinekayo, phantsi efumanekayo yaye le nkonzo. Emva kokuba befunde Ukalisho akhawunti PAMM, kufuneka ukhethe umrhwebi ezinqwenelekayo. Ngokuqhelekileyo kumaziko ezizodwa sele apapasha iziphumo zorhwebo kunye ukulungele-rated. Nje ukhetha iimeko kangangoko ngentsebenziswano kwaye ngenisa eyinkunzi kunye ngoncedo lwenkqubo yentlawulo ngekhompyutha kwi ngeendleko umntu oya nokulawula imali.

Apho angafanele imali?

Ihlela ukuba kwandisa uhlahlo lwabiwo-mali lwakho, akukho mfuneko ukwamkela ukunikezwa ayingozi isivuno esihle kakhulu kweli xesha lifutshane kangangoko kunokwenzeka. Uya ungalungenisi imali eninzi, kodwa uba unobangela unxunguphalo. Ngelishwa, kukho ezininzi iinkampani scam phantsi benze utyalo kwiindawo ezithembisayo watsala imali nje kubaxhasi ezibandakanyekayo, uze shwaka emarikeni. Akukho mfuneko yokuba uma- ekunika inkampani musa ukunika iingxelo malunga nolwabiwo mali. Ngaphambi abatshintshela wesithathu isixa esikhulu semali, kufuneka ufunde onke iinkcukacha yentsebenziswano.

Musa imali yephiramidi

Jonga iinketho ukongeza mali yakho, kuba ezichaphazela wawalukuhla wobandakanyo ntoni izikimu yephiramidi, apho ipesenti ngegalelo kuhlawulwa ngaphandle kwemali igalelo ngamanye abatyali-mali. Nangona sokuceba, kukho umngcipheko omkhulu. Wena nje nga ixesha ukurhoxisa ikomkhulu labo ukusuka kwisakhiwo. Holo ngeendleko zobuqhetseba ezifana kunokwenzeka kwabemiyo apha kakhulu phezulu iphiramidi. abatyali-mva nje kuphela abafumani umdla ledinga, kodwa silahlekelwe imali yabo. Akakho umntu onokukwazi ukulichaza kakuhle xa iphiramidi siyabutyaka kwaye ufumene ntoni na inqanaba lophuhliso ngayo.

engozini diversification

Ukuba unqwenela ukutyala imali kufuneka ufunde nje kuphela, kodwa ukusebenzisa embodiments ekhethwayo umsebenzi ukwandisa imali yawo. Akukho mfuneko yokuba ahlale kwelinye icala zotyalo-mali. Risk lweentlanga ezahlukeneyo kubalulekile. Nayiphi na isixhobo ukwandisa iingeniso enyulwe, oko kubandakanya umngcipheko ethile. Kwaye ukuba kwenzeka ukuba usengxakini, ungahlala ngaphandle ngeendlela. Xa utyalo-mali lwenziwa kumacala ezininzi ngaxeshanye, inxenye kuphela imali zabo kulahleka. Ngaloo ndlela inzuzo inxalenye eseleyo ilahleko eyinkunzi obenziwe. Lo mthetho ke efanelekileyo ukuthenga lwamaphepha kunye baviswa imixokelelwane imali kwi PAMM-akhawunti okanye izabelo. Nkqu neengqukuva ezincinane kufuneka yahlulwe nxalenye uthumele ngamnye kubo ukugqiba kwijelo ekhethiweyo.

Kutheni musa ukukhawuleza?

Khumbula umthetho ebalulekileyo ukwandisa ibhajethi yakho yenyanga kwaye akunakwenzeka ukuba ngusozigidi. Akukho umbuzo malunga izithembiso icebo, inyaniso uyeza imeko yangoku. Njengoko kulo naliphi na ishishini, ukuphumeza ezinqwenelekayo kwinqanaba well-being eziphathekayo kuya kuthatha ixesha. Okuya uba mkhulu umsantsa inzuzo kule projekthi, kokukhona umngcipheko wokulahla eyinkunzi. Ukwandisa imali - le yinkqubo ecothayo ezicothayo.

Yintoni na ulindele?

Ukuba ukhetha i iinketho ekunene kwimfundimani phinda ibhajethi yakho, umphumo uya ukulinda ixesha elide. inzuzo Qala phantse weprojekthi nganye ingabonwa emva kwenyanga enye kuphela. Umbuzo kukuba oko inqanaba sihlelwe ukunyusa elikomkhulu start-up. Ukuba injongo kukusebenzisa ukudala flow eziphathekayo, nto leyo kuhlawula zonke iindleko okucwangcisiweyo kwaye okungacetywanga, ukudubula umdla angafanele ngayo. ukudityaniswa nzuzo iya kuzisa iziphumo kude omkhulu ngakumbi. imali sinikezwe uya kwandisa ngokucacileyo. Ukuba ngaba yengqingqwa ngemali, kwaye ngaphandle umthombo wengeniso akunakwenzeka ukuba kusinda, wavumela ukususwa akukho ngaphezu kwe-10% ye-yenzuzo yeprojekthi yomtyali-mali. Ndingathanda ukongeza ukuba imali eninzi iya kusebenza, impembelelo kokukhona ke. Ukugcina imali yabo "phantsi umatrasi" oku akwenzi ngqiqo, njengokuba ukunyuka kwamaxabiso utya ingeniso ebonakalayo ngokupheleleyo. Iimali kufuneka wayakusebenza kwenye indoda, kwaye awunakho ukwenza ngolunye uhlobo.