Where kushandisa mari iri dambudziko vari: Zvakanyanya Kunaka Panguva Yepamuviri uye ngozi mikana

Investments muri runovimbisa zvemari pakusimba, zvakanaka munhu ano munhu. Mari vanofanira kuunza mari. Asi sei nechokwadi kuti kana nyika iri mudambudziko? Where kushandisa mari iri dambudziko?

vemamwe inivhesitimendi

Maererano nzira bhizimisi mari, pane mhando nhatu vanhu: kuzvikudza, "extremals" uye muchinjikwa pakati izvi zviviri marudzi. Uye kana tiri kutaura pamusoro dambudziko iri ezvinhu emari munyika ari kusagadzikana uye chero Zvaifungidzirwa vasiri kutora kunyange nyanzvi-vaongorori, ipapo zviri nani kutevera muenzaniso kuzvikudza uye mari mari bedzi yakavimbika. Saka, tinotarisa chii chinogona kunzi yakavimbika mubhizimisi uye apo kushandisa mari iri dambudziko?

"Eternal tsika"

Unofanira kugara kuiswa mu "tsika husingaperi", uye mune zvokunyama nemashoko ari zvivako uye goridhe. Hazvina pfuma ichi ichagara mutengo, kuwa muna mitengo iri muboka iri mari iri chisingaoneki. The furati Somuenzaniso, unogona vaunze mari muchimiro rendi. Asi goridhe anogona kutengwa kwete chete muchimiro zvishongo asi unallocated simbi Nhoroondo dziri pamahombekombe. Mukupera nyaya, mari kunotangira kuwedzera ukoshi chendarama simbi pamusika. mupiro kwakadaro anonzi kuva zvikuru akavimbika nzira kuna "mitambo" iri pamusika wemari uye yakanyatsokodzera kuti zvinhu zviri dambudziko.

deposits

Where kushandisa mari iri dambudziko, panzvimbo yechipiri? Bank nyaya, deposits akadana, anoponesa uye kuchengetedza mari. Kana wavhura dhipoziti pasina mukana yokubva mari mukati gore kana maviri, ipapo iwe muwande mari yako pa 6% chete annum, uye muna mumari Bank of Russia - ne 8,5%. Kune Chokwadi, mazano uye 13-14%. Rimwe Zvinokosha kufunga: kuteerera deadlines, anokwanisa recharge, zvinhu zviri dhipoziti uye pamigumisiro kana iwe pakarepo kubvisa mari mberi nguva.

Asi ichi zvinomutsa mumwe mubvunzo, currency iro kuvhura account? Dollar, euro, Ruble - vanoramba vachichinja kukosha kwavo. Pasinei nokuti dambudziko iri US kwakatungamirira kuti vachiwana kuwedzera kweeuro uye kuti kuderera dhora, kuti Ruble hakusi zviripo kushandurira mari dzavo dzose vari European mari. Nyanzvi dzinorumbidza vanochengeta mari mubhangi zvose izvi mari, saka iwe kuderedza Nokurasikirwa (pamusoro takunda, kurasikirwa kumwe, uye pakupedzisira mari akachengetedzwa nokumuwanzira ne chimbadzo pa annum). Ipfungwa Iri nyore pane kuedza kuverenga kubatsira: kufunga mitengo, depreciation, uye mubereko kwakanyanya pamusoro Ruble deposits (6%), US madhora (2%), euro (3%).

Ipai webhanga iri kuti Ibva nemari yenyu nokuda pamusoro pamwedzi kubhadhara (mubayiro, makomborero, pensions), ndiko kwaita mumwe mari iri imwe escrow nhoroondo iri uwandu 10% mari. True wandei yaidiwa kuvhura account, kunyange nemabhengi vanoda kuvhura kwamuri uye mari 1000 rubles., Asi zvino nokuti gore akaunganidza zvishoma.

Mutual mari

More apo mari mari iri mudambudziko, chiriporipocho "nyanzvi" vanoita, uyo vakajaira vanopedzisira vaizotibata mabhizimisi muzvirongwa munyika dzichiri mabhora zvoupenyu National (co-kuvaka). Kubva chete mirayiridzo wakauya yakawiriranwa mari - zvavo mari makambani. Uye kukura chimiro ichi mari, nyanzvi dzakawanda uye vaongorori vakatanga inofananidza kuti vachengete mari mubhangi deposits, vachizivisa saizvozvo pamusoro yakawiriranwa mari rakavimbika. Zvisinei, bhizimisi iri yakawiriranwa mari kuunza purofiti yakakura, asi panguva imwe chete inzira zvikuru ngozi kuti bhizimisi, kunyanya mune dambudziko, kana zvose Nehunde mari havadi kukosha, uye hapana munhu anogona zvakarurama kufungidzira kana Vachabva vatanga kuti kukura zvakare. Asi ... vazhinji Internet rubatsiro pamusoro Websites kuti mabhanga anobatsira kuverenga zvichibvira ngozi yakafanana mabhanga kupa kuminamato mamaneja zvavo kushandisa upfumi kwenyu pakuvimbana. The Mupiro pasipasi mune yakawiriranwa mari ndiyo 15 zviuru. Kwiza nechekuzasi. Izvi zvinoreva kuti kana uchida nzira iyi bhizimisi anogona kupiwa ose Russian.

kuchengetedzeka

A nzira yakasiyana zvachose kuti oupfumi - ndivo kuchengetedzeka (zvitupa uye mabhiri zvokutsinhanisa). Vakatenga okuchengetera mari. Vanogona kushandiswa sezvo rubatso chikwereti mitoro. Asi kana muchitsvaka apo mari yakawanda mari, kwete kuti kurasikirwa navo - ichi ndicho chakanakisisa kuita. Unofanira rubatsiro akavimbika nyanzvi kuchengetedzeka pamusika, kuwana chii manotsi kana zvitupa vava "iri mutengo".

Pano tiri kupindura mubvunzo, apo mari mari iri dambudziko: zvinhu nguva dzose ave kukosha yakavimbika mabhanga deposits pasi dzose Mari 6% muna dzekuno mari uye kuchengetedzeka. Sarudzai chii iwe pedyo ...