Yintoni i-akhawunti yotyalo-mali ngamnye? Ingaba ukuvula njani i-akhawunti zotyalo-mali ngamnye?

Ukususela ngo-2015, iRashiya lasungula inkqubo entsha utyalo-mali, nto leyo eza baxolelwe ngokupheleleyo irhafu. Brokers Akukho kusala ngasemva, kunye neemeko ezongezelelweyo bakulungele ukunikela abaxhasi bazo kwi iidipozithi kwi-akhawunti zotyalo-mali ngamnye. Yintoni na, uya kufunda kweli nqaku.

definition

Akhawunti Investment ngamnye (iis) onokuvula nawuphi na abantu bendalo, abahlali laseRashiya inkampani labarhwebi. Umnini yenza indlela enokusetyenziswa ngokuthenga ngokwayo, okanye ukudlulisela nabo trust. On akhawunti enjalo ulawulo yerhafu okhethekileyo. iimpawu:

1. Umhlali nga ukuvula enye kuphela-akhawunti zotyalo-mali zobuqu.

2. Imali eliphezulu lotyalo - engange 400 000 / ngonyaka ..

3. Igama elithi yindlala akho: Iminyaka 3-5.

4. akhawunti yotyalo-mali ngamnye ukuze kuchuma mna, okukunyusa inxenye ungekho.

5. Ukuba kwemvumelwano yaphulwe kwexesha elililo (ngaphambi kokuphela kweenyanga 36), umxhasi ulahlekelwa zonke iinzuzo zerhafu.

6. iimali kutyalwa Bank of amakamva.

7. Scores nobunokuphinda phakathi abarhwebi.

ongakhetha irhafu

Ngokutsho IMS inika namacebo ezimbini iinzuzo:

1. Isiseko serhafu kuncitshiswa imali yaqukwa kwi-akhawunti yaloo nyaka. Olu khetho umdla kubantu abafumana ingeniso esisiseko ngohlobo umvuzo. Intlawulo kwenzeka ekupheleni konyaka njenge lotsalo, emva sibhengezo-NGOBUCHULE 3.

Umzekelo. Ingeniso erhafisekayo umqeshwa amawaka 500. Engange. Naye uya kuhlawulwa irhafu yengeniso-mali ka-65 amawaka. Thambisani. (13%). Ukuba iinyanga ezili-12 umntu uya kwenza kwi-IMS imali efanayo, bekuya ekube- isiseko serhafu, babuyele emhadini. Olukhetho lizakusebenza, kwanokuba utyalo-mali wayekelela kancinane ukuze (i-13%) ilahleko kulo nyaka. Danaus wesekethe SP iyafumaneka kwi-nkqubo werhafu lula, umhlala nabangasebenziyo.

Algorithm kokutsalwa efana naleyo isetyenziswa, umzekelo, xa uthenga indlu. Man ifumene isithuba ophilileyo. Ukuqala kunyaka ozayo, waqala ukuqokelela amaxwebhu yokutsalwa kwerhafu, nto leyo ebalwa ngokususela imivuzo elikhankanyiweyo ebhekisele 2-emhadini. Ziya kubuyiswa kuphela isixa serhafu ehlawulwa kwixesha ingxelo efanayo, xa igumbi yathengwa.

Udweliso efanayo usebenza iis. Kuphela kufuneka ukunika isiqinisekiso ukuya broker. abasemagunyeni yerhafu iya ekube- umntu ehlawulelwe kunyaka odlulileyo. Ukuba ngaba ngaphezu 400 lamawaka engange., 13% iya kubuyiselwa imali yonke (okt. E. 52 amawaka. Hlikihla.). Ukuze uqinisekise le misebenzi kuya kufuneka banike ubungqina yengqesho, obonisa ngokucacileyo isixa yerhafu ehlawulwa edlulileyo xesha lengxelo. Ngokokude abathengi abafumana "neofitsialku", ulungiselelo olo hayi inzuzo.

2. exemption Full kwintlawulo yerhafu kwingeniso IMS. Olu khetho abatyali esebenzayo efanelekileyo.

Umzekelo. Usomashishini wagqiba ukutyala 400 lamawaka engange kunye labarhwebi le. Sesivuno yi-30% yesibonelelo semali yezindlu imali. Iminyaka emi-3 uya kufumana amawaka 360. Engange. Ukusuka kule mali ke kuya kufuneka uhlawule irhafu yengeniso (13%) kwi-mali ka-46.800 engange. Ukuba iis, ngoko ke umtyali uya uhlawule imali yohlahlo lwabiwo-mali. amawaka 360. Thambisani. wayeza kuba inzuzo net.

Icebo lomsebenzi ilula: ukuvula i-akhawunti zotyalo-mali ngamnye imali BCS → → → makhe Mababuye ukufumana ngokusebenzisa ingeniso nyanga-36 ngaphandle irhafu yengeniso.

Umzekelo. Kule minyaka 2015-2017 kwi umxhasi IMS yenza udibaniso 400 lamawaka. Thambisani. Kwaye ngoko ukuba ukuthenga imali efanayo kunye nokuthengiswa Central Bank. Emva kweminyaka emithathu, intsalela yaba amawaka 200 engange, nenzuzo - 800 000 Maxa iinyanga 36, i-client wagqiba ukuvala i-akhawunti zotyalo-mali ngamnye. Ngoko njani yakhethwa scheme yerhafu yesibini, urhulumente uza uyayikhulula kwintlawulo yerhafu yengeniso-mali ka-800 x 0.13 = 104 lamawaka. Hlikihla. Ukuze ufumane isibonelelo, kufuneka unikeze isiqinisekiso kwi broker, leyo kwiinyanga-36 ezidlulileyo, uhlobo lokuqala utsalo akubanga.

Umthengi bangakhetha ezabo icebo labo irhafu ukuba utyalo-mali, kodwa aninako ukuhlanganisa kubo ngexesha umda. Kuba abantu abayazi ngayo exchange, IMS - oluphuculiweyo inguqulelo ye investment. Imali ekhoyo, akukho mfuneko ukuphuhlisa kakuhle kwimarike, ukukwazi ukufumana ingeniso ukuba mkhulu needipozithi zebhanki, inkuthazo yerhafu - zonke ezi zinto zenza esi sixhobo kakhulu enomtsalane eluntwini. Kuba bamazwe-akhawunti zotyalo-mali ngamnye - ilithuba eyongezelelweyo nokwandisa ipotifoliyo yakho yotyalo-mali.

ukushiyeka

Yaye abakho ngaphantsi kwe eziluncedo:

1. I-akhawunti zotyalo-mali ngamnye - yinto mali ukhetho oluyingozi, nto leyo kungakhankanywanga iziqinisekiso karhulumente.

2. Esi sixhobo isetyenziswa desirably kumaxesha zokukhula.

3. Umda 400 000 engange. IMS wenza zange ibenomtsalane kakhulu kubatyali-mali enkulu.

4. Awukwazi nje khetha i "ekunene" iinzuzo zerhafu.

5. Isivuno - ixabiso kwangaphambili, nto leyo ziyahluka ukusuka komnye unyaka ukuya komnye. Le nkampani, nokuba bafumane inzuzo enkulu, Khawusixelele kuphela inxalenye encinane kuyo. Gcina umkhondo "okusesikweni" izibalo ezingenakwenzeka.

Eyona ethile yenkqubo enjalo - emngciphekweni. Emva kweminyaka emithathu, i-Central Bank mhlawumbi kuvuka okanye bawe ixabiso. Ngoko ke, ngamanye amaxesha kubhetele ukuba inkunkuma evela kutyalo kwi-akhawunti zotyalo-mali ngamnye. RF uMthetho "On izibambiso market" kwaye ukutshintsha isimo sengqondo nxaxheba kwindawo zorhwebo, kodwa yinkqubo ecacileyo yokusombulula iimbambano kwimisebenzi ngesixhobo omtsha ukuba akukho mayicaciswe gca.

Le akhawunti yotyalo ngamnye 2015: ukuvula indlela

Kufuneka uqhagamshelane inkampani labarhwebi, nto leyo nxaxheba ngobuchule imali eninzi. Ubunikazi kufuneka ibe SA okanye LLC. Amaninzi yiyo AMC kwiibhanki ezinkulu. Iis isetyenziselwa kwahlula asethi sityale imali eninzi. Esi sikimu isuntswana efanayo ukuya ira. Kodwa ukuba umntu lowo ubonelela ngamathuba ukurhoxa imali kuphela kusekubuyeni umhlala-phantsi, ixesha iis kuphela iinyanga 36. Isinyanzelo sokuba bengafuni irhafu obekwe kwi-broker. Ingeniso evela kwintengiselwano ezinjalo zibalwa ngokwahlukeneyo. Loo nto ukuvuselela-akhawunti yangoku kumthengisi ngomhla iis akakwazi.

buhle

Xa imeko ezingazinzanga kwezoqoqosho kunzima ukufumana utyalo ukhetho inzuzo kwemali okwethutyana free. Ulwabiwo kwamaxabiso, ingeniso evela needipozithi zebhanki kuyehla ku nothi. Ukuvela IMS ungakwazi ukulungisa le meko.

Esi sixhobo kusenokuba umdla kubaxumi abafuna ukuba ingeniso ngaphezu kokuba uyakwazi ukunika kwiibhanki zorhwebo. Ukutyala imali esingekho ngaphezulu kwamawaka 400. Thambisani., Umntu unako ukwenza inzuzo (phezulu 13%) kunye zokubuyiswa kwerhafu yengeniso, nokuba ukuba ngaba kwenziwa kwi yokutshintshana. Kodwa ke ifuthe iya kuba kuphela xa semali ejikeleza ngaphandle kweBhanki. Abasebenzi zayo nayiphi AMC bacebisa izenzo ze-mali qhinga. Enoba ukhetho iis lukhethiwe, i Umtyalimali usenako bathengiselane avela Central Bank, ukwandisa ingeniso yakho.

Efuna ukuphatha iimali zabo nga ukuvula ii-akhawunti zotyalo-mali ngamnye ngo-2014 kwaye demotrenazhere bafunde isitokhwe zorhwebo, ukuze bafunde iqonga esweni utshintsho kakade. Kwaye xa bafumane amava ngokwaneleyo yaye isixa-mali, singakwazi ugqithele ibitheni lokwenene.

Yintoni na ingenelo uRhulumente

Abagxekayo ngokuqinisekileyo athi urhulumente nje ayiniki amawaka 52. Thambisani. ngamnye ngonyaka. Sinokuthi oku urhulumente byi sokuphucula ulwazi zemali yabemi. ERashiya, abantu abaninzi nangoku othambekele ecaleni imali eninzi. Ukudideka kunye "Forex", ukuba imali yokuthenga izindlu kunye needipozithi. Oku abangaphangeliyo kakhulu ukukhula koqoqosho. Unako ke urhulumente uceba ukukhuthaza uphuhliso yayo.

Yeyiphi inketho ekulungele

Into yokuqala kufuneka sinikele ingqalelo - ubukho imithombo yengeniso, ezo zixhomekeke kwirhafu yengeniso. Ukuba azikho bona, ngoko lisebenzise imali ngcono isiphaluka sesibini. Iindleko Ezinye ukubala kutsalwe eqikelelwayo irhafu yengeniso thabatha. Brokers zinika busebenze ezongezelelweyo inzuzo:

1. "Finam" credit Ukongezelela ngenyanga-8% ngonyaka kwi yohlenga-mali.

2. BCS unikeza enye yeendlela ezintathu utyalo-mali kunye unikezelo kulindeleke 10-25%. Kodwa ke imali leyo uya kubuyekezwa ngaphambi kweminyaka 7-13.

Iinkcukacha-manani zibonisa ukuba IMS kuyingenelo ngakumbi abantu ingeniso yenyanga abangaphezu kwama 35-40 amawaka. Engange. Abameli abakumgangatho ophakathi ukufunda nokubhala kakhulu ngokwezemali, kuba izenzo esisebenzayo. investment zexesha elide nje ekuqaleni ukuphuhlisa eRashiya. Le mvume ye KB "ekhuselekileyo" ukuthintela le nkqubo kuphela. Ngoko ke, ukwandisa ulwazi zemali labemi enokwen- utshintsho ixesha elide. Ukusuka lo mbono, iinkqubo IMS na imali yomhlala iyavumelana kwaye iinzuzo zerhafu kwandisa kuphela nomtsalane ngayo utyalo-mali.

NPF Ais vs vs bekelelo

Umahluko ephambili kuxhomekeke kwinto yokuba isixhobo olutsha luvumela abanini-akhawunti ukuba bakhethe into zotyalo-mali. Nabaququzeleli banyanzelekile ukuba ukunika abathengi yalo iinkonzo, iimveliso kunye neenkonzo eziya kwenza izigqibo kwaye ulawule umngcipheko. IMS - okunye wokwenene bekelelo, nto leyo echaphazela kakubi utyalo-mali kwi-Central Bank. Iingcali banethemba lokuba inxaxheba isixhobo esitsha imali iza kuya imali eninzi. Ngokutsho isifundo Sberbank-CIB, abatyali-zimali bamanye amazwe aphantsi malunga ne-70% yezabelo Russian abakulo esijingayo simahla.

umkhuba World

Le akhawunti yotyalo ngamnye kudala zikho kumazwe aphuhlileyo ngeendlela okanye omnye: ISA kwi-UK (inxalenye ye-50% abemi), TFSA e Canada, i ira kwi-US (39%), njl Ezi zixhobo ukunceda abantu abaqhelekileyo ukwandisa imali nge zorhwebo .. imali eninzi. esilingana Russian yenziwe ukwandisa nomtsalane emehlweni utyalo-mali karhulumente. Phantsi imithetho ezintsha, abatyali abaneminyaka engaphezu kwama emithathu aphantsi izabelo okanye izabelo, waza wagqiba ekubeni bathengise ngazo, ayichatshazelwa ekuhlawuleni irhafu yengeniso.

Akhawunti Investment ngamnye: Savings

Broker BCS kunye ibhanki efanayo sadlala. Ekupheleni yedipozithi elithi "-akhawunti yotyalo" kunye isivuno ka 9.5% yazo zonke mali iya kudluliselwa MIS, pre-yavulwa AMC. Kulo mzekelo, umntu lowo ke uya kufumana ibhonasi eyongezelelweyo 2.1% ngonyaka. Kwakhona Sberbank kwenza nabathengi ukuvula iis. Yesevisi - standard. Ithuba lokuba ukwandisa ngakumbi capital nangoku alusekho.

isishwankathelo

01.01.2015 Xa ingeniso esitsha isixhobo wabonakala Russia - i-akhawunti zotyalo-mali ngamnye. Uyakwazi ukuvula kuyo AMC isithuba esingekho ngaphantsi kwe-3 iminyaka. Ngokukhetha ngokokukhetha iinzuzo zerhafu kukuba ukusondela ngenyameko: eyokuqala inika ingeniso kwemaliu xa imali ihlawulwe yerhafu yengeniso yonyaka. Indlela yesibini abatyali esebenzayo nikholwayo ingeniso imisebenzi yabo. Ukukhetha ukwenza ukudlulisela imali. Tshintsha isigqibo ibe esisenzo bangosulelwa xesha. isixhobo New - okunye okuhle kwidiphozithi, njengoko kukuvumela ukuba ufumane ingeniso eliphezulu xa kuthelekiswa yokuba iibhanki bakwazi ukunikela.