Dɛn ne sika a wɔde di gua a wɔde wɔn ho hyɛ mu, sika a wɔde hyɛ BPIF mu

BPIFs – deɛn ne wɔn wɔ nsɛm a ɛnyɛ den mu ne sɛnea wɔde wɔn sika bɛto exchange-traded mutual funds mu, sɛnea wɔbɛtɔ wɔ Moscow Exchange. Efi afe 2020 no, nkurɔfo ani gye ho kɛse sɛ wɔde wɔn sika bɛto hɔ de ahwɛ ahu sɛ wobenya nkwakoraa ne mmerewa a wonnwen ho anaasɛ wɔbɛma wɔn sika a wɔde bɛto mu no akɔ soro ara kwa, nanso sika a wɔde bɛto mu no hwehwɛ sɛ wonya nimdeɛ bi. Wɔ saa asɛm yi mu no yɛreka BPIFs ho asɛm, yɛbɛhwehwɛ mfaso ne ɔhaw a ɛwɔ adwinnade no so, na yɛabua nsɛmmisa a wɔtaa bisa nso.

Dɛn ne BPIF wɔ nsɛmfua a ɛnyɛ den mu

BPIF a wɔatwa no tiaa no yɛ sikakorabea a wɔde sikasesa di gua. Eyi yɛ adwinnade, a ne botae titiriw ne sɛ ɛbɛma wɔanya mfaso kɛse bere a wɔde toto sika a wɔde sie wɔ sikakorabea nneɛma a wɔtaa de di dwuma mu ho no. Ɛfata ma wɔn a wɔde wɔn sika hyɛ mu a wɔn ho akokwaw ne wɔn a wɔrefi ase nyinaa. Wɔ exchange no so no wubetumi ahu BPIF ne ETF sika, wɔwɔ nsonsonoe titiriw biako:

1. ETF yɛ sika a wɔakyerɛw din wɔ Russia Aban no akyi, nanso wobetumi atɔ wɔ Russia;
2. BPIF nyɛ soronko biara wɔ nea edii n’anim no ho, gye sɛ wɔakyerɛw sika a ɛte saa no wɔ Russia Federation nkutoo mu, portfolio no betumi de nnwumakuw a wofi aman afoforo so no ahobammɔ aka ho.

Ɛfata nso sɛ yɛhyɛ no nsow sɛ mutual fund bi wɔ hɔ – mutual investment fund a wɔmfa nni gua wɔ stock exchanges. Wobetumi atɔ saa agyapade yi tẽẽ afi adwumakuw a ɛhwɛ so no hɔ. Wonhia
brokerage akontaabu mpo mma eyi. https://articles.opexflow.com/investments/pif.htm Nanso wobetumi atɔ BPIF securities tẽẽ wɔ stock exchange. Ɛdɔɔso sɛ obi a ɔde ne sika bɛto sikakorabea no bɛkɔ sikakorabea no mu tẽẽ anaasɛ ɔbɛfa ntamgyinafo so, sɛ nhwɛso no, ɛnam
Tinkoff Investments so, apaw sikakorabea bi na watɔ kyɛfa dodow a wɔhwehwɛ no. BPIFs no betumi ayɛ: nnwumakuw a wonya mfaso no kyɛfa, sika, dade a ɛsom bo te sɛ sika kɔkɔɔ, ne agyapade afoforo nso. Ordinary mutual fund anaa exchange mutual fund – nea ɛsɛ sɛ wopaw ne sɛnea biako yɛ soronko wɔ foforo no ho: https://youtu.be/fpoDFrnvQDo

Nneɛma soronko

BPIF ahorow no nhyɛ adwumayɛfo a wɔyɛ nnam ase, efisɛ nnwumakuw a wɔhwɛ so no kura kyɛfa bere tenten, enti nsusuwii hunu nyɛ asɛm. Mpɛn pii no, nhyehyɛe a wɔde yɛ sikakorabea no sikakorabea no nsakra mfe du. Sikakorabea ahorow a wɔtɔ no ma wotumi de sika hyɛ agyapade a enni sikasesɛw gua ahorow so no mu wɔ ɔkwan soronko so. Wɔn a wɔhyehyɛɛ sikakorabea ahorow no de amanneɛbɔ ma daa, enti akyinnye biara nni ho sɛ wɔbɛyɛ nneɛma a ɛda adi pefee. Afei nso, wɔ sikasesɛw gua dodow no ara mu no, wubetumi adi nhyehyɛe a ɛwɔ portfolio no mu akyi wɔ bere ankasa mu.

Ahwehwɛdeɛ a ɛfa sika a wɔde bɛto sikakorabea a wɔde sika a wɔde sesa wɔn ho wɔn ho di gua wɔ https://www.moex.com/a

Sɛnea BPIF yɛ adwuma

Wɔn a wɔhyehyɛɛ BPIFs no de sika a wɔn a wɔde wɔn sika ahyɛ mu no de ahyɛ sikakorabea no mu denam kyɛfa a wɔtɔ so nya agyapade. Nea otwa to no nso bɛyɛ obi a ɔka ho wɔ sikakorabea ahorow a ɛwɔ sikakorabea no mu nyinaa. Kyɛfa yɛ ahobammɔ koro no ara a kyɛfa a wɔde ma kwa no yɛ. Wɔhyehyɛ unit bo ahorow no ara kwa, eyi si da biara, gye dapɛn awiei. Wogyina agyapade a ɛwɔ sikakorabea no sikakorabea no bo so. Sɛ nhwɛso no, sɛ nnwumakuw no biako ahobammɔ akɔ soro kɛse a, ɛnde kyɛfa no bo bɛkɔ soro, eyi nso si wɔ ɔkwan a ɛne no bɔ abira so. BPIF ne ETF – nsonsonoeɛ bɛn na ɛwɔ mu, nsɛsoɔ ne nsonsonoeɛ, mfasoɔ ne ɔhaw: https://youtu.be/4wPpZM_JmCs

Sɛnea wobɛtɔ BPIF

Ansa na wubefi ase atɔ agyapade biara no, ɛsɛ sɛ wubue brokerage akontaabu. Ɔkwan a ɛyɛ mmerɛw a wobɛfa so ayɛ eyi ne sikakorabea akɛse a ɛwɔ Intanɛt so, a ɛma wotumi de sika hyɛ sikakorabea ahorow mu, sɛ nhwɛso no:

• Tinkoff a ɛwɔ hɔ;
• Alfa Sikakorabea;
• Sberbank a ɛwɔ hɔ no.

https://articles.opexflow.com/brokers/brokerskij-schet.htm Nokwarem no, sikakorabea afoforo wɔ hɔ, nanso eyinom ne nea nkurɔfo ani gye ho kɛse wɔ Russia Ɔman no mu. Wubetumi nso abue brokerage akontaabu tẽẽ, sɛ nhwɛso no, wɔ Moscow Exchange. Sberbank exchange-traded mutual funds: so ɛfata sɛ wode sika hyɛ SBMX, SBSP, SBRB, SBCB ne SBGB mutual sikakorabea mu: https://youtu.be/DBRrF-z-1do

Nkyerɛkyerɛ a wɔde ma anammɔn anammɔn

Yɛde
Tinkoff Investments application https://www.tinkoff.ru/invest/ no nhwɛsoɔ bedi dwuma a, yɛbɛhwehwɛ sɛdeɛ wobɛtumi atɔ fund units. Sɛ wopɛ sɛ wotɔ a, kyerɛw wo din wɔ application no mu, na afei kɔ “Nea ɛsɛ sɛ wotɔ” ɔfã no so a, ɛwɔ dwumadi no ase pɛɛ.
Anamɔn a edi hɔ ne sɛ wobɛpaw sikakorabea bi, wubetumi ahu wɔ nhwehwɛmu bar no mu, anaasɛ wobɛkɔ “Sika” ɔfã no mu.
Ɛkyerɛ sika a wobetumi atɔ mprempren nyinaa. Ɛwɔ hɔ a wotumi de gyinapɛn ahorow bi hwehwɛ, na wubetumi nso ahu nsakrae a aba wɔ agyapade bo mu wɔ adwuma da a etwa to no mu. Wɔ Tinkoff Eternal Portfolio sikakorabea no nhwɛsoɔ no so no, wobɛtumi ahunu sɛdeɛ kyɛfa a wɔtɔ no kɔ so. Ɛsɛ sɛ wuhu wɔ nsɛm a wɔahyehyɛ no nyinaa mu anaasɛ ɛnam nhwehwɛmu no so.
Ɛha na wobɛtumi ahunu boɔ nsakraeɛ ho nhyehyɛeɛ wɔ berɛ pɔtee bi mu, ne sɛdeɛ wobɛhunu sikakorabea no nhyehyɛɛ, atirimpɔw ne ne hyehyɛ wɔ “Nsɛm a Wɔaka abom” tab no mu. Wubetumi nso ahwɛ nsɛm a aba foforo wɔ hɔ. Sɛ wopɛ sɛ wotɔ kyɛfa a, ɛsɛ sɛ wobɔ bɔtn bruu a ɛne no hyia no so.
Ɛno akyi no, nea ɔde di dwuma no bɛba adetɔ menu no mu, baabi a mprempren bo no bɛyɛ mprempren. Ɛsɛ sɛ wokyerɛ lot dodow, na afei klik “Tɔ” button no so. Ɛsɛ sɛ wosusuw ho sɛ sɛ mprempren nsakrae no nni kyɛfa dodow a wɔhwehwɛ no wɔ bo bi a wɔde ama no so a, ɛnde ahyɛde no bɛyɛ anohyeto ahyɛde – wɔrentɔ lot ahorow wɔ bo a ɛkorɔn sen nea wɔde ama no.

Dɛn ne ɛka a wɔbɔ ne sika a wɔde tua ho ka

Mma wo werɛ mmfi commissions ho, efisɛ aguadifo de nnwuma ma a wotua ho ka. Ɛgyina agyapade a woapaw no so no, ebia sika a wɔde bɛma no bɛsono kakra, nanso sɛ woretɔ kyɛfa pii a, nea ɔde ne sika ahyɛ mu no bɛte nsonsonoe no nka, enti ɛsɛ sɛ wohwɛ yiye. Wobetumi ahu ɛka atitiriw abiɛsa mu, de aka kyɛfa no ho ka ho.

1. broker commission . Mpɛn pii no ɛyɛ ketewaa bi na ɛntra 0.1-0.3%, efisɛ aguadifo ani gye ho sɛ wɔne ankorankoro bɛyɛ biako.
2. Sika a wɔde sesa nneɛma ho ka a wɔbɔ . Ɛntra 0.1% wɔ aba a wonya afe biara no mu.
3. Commission a wɔn a wɔhyehyɛɛ no ​​no de sii hɔ . Ɛho hia sɛnea ɛbɛyɛ a adwumakuw a ɛhwɛ so no betumi ahwɛ agyapade so.

Mfaso a ɛkɔ sikakorabea no ka ne ne sohwɛ no taa ka kyɛfa no bo ho. Wɔbu akontaa da biara da, a egyina bo a ɛsom wɔ sikakorabea no nyinaa so.

Ɛfa BPIFs ho wɔ MOEX so https://www.moex.com/s190

ETF a wobɛpaw

Akwan pii wɔ hɔ a wɔfa so paw sikakorabea, ɛkame ayɛ sɛ ne nyinaa ne sika a wɔde bɛto mu no botae ahorow wɔ abusuabɔ kɛse, efisɛ ɛsono asiane a ɛwɔ mu. Botae pɔtee bi bɛboa wo ma woapaw ETF a ɛfata. Sɛ nhwɛso no, sikakorabea ahorow a ɛkari pɛ no tumi gyina sikakorabea ahorow a ɛrehwe ase no ano efisɛ wɔwɔ agyapade ahorow wɔ wɔn sikakorabea a ebetumi atua sika a ɛrehwe ase no ka. Yebetumi afrɛ sikakorabea a ɛte saa no sɛ ɛyɛ nea ɛyɛ katee, efisɛ asiane ne mfaso a efi mu ba no sua. Ideal sɛ wobɛkata inflation so na woanya capitalize kakra. Asiane sika a ɛyɛ kyɛfa no fata ma botae ahorow a ɛbɛtra hɔ akyɛ. Stock dodow no ara kɔ soro wɔ akyirikyiri, nanso ebetumi ayɛ nea ɛnsakra bere tiaa bi. Ɛho hia saa ara sɛ wopaw sika a wode bɛto sikakorabea no mu. Wɔ Russia no, wɔtaa de wɔn sika hyɛ ruble mu, nanso bere tenten ho adwene no ma ɔman no sika bo kɔ fam ntɛmntɛm sen euro anaa U.S. dɔla. Mmara atitiriw abien na ɛwɔ hɔ:

• ɛnsɛ sɛ sikakorabea no agyapade gyina wɔn ho wɔn ho so;
• ɛsɛ sɛ sika a wɔde bɛma wɔ adetɔ ne tɔn ho no sua koraa.

Sɛ wotɔ agyapade bi wie a, eye sɛ wo werɛ befi, efisɛ mfaso biara nni so sɛ wobɛhwɛ sɛnea kyɛfa no renya nkɔso anaasɛ ɛrekɔ fam. Pɛnkoro ɔsram biara anaa nea ennu saa mpo no, wubetumi
ayɛ wo portfolio ahorow no ahorow ahorow . [nsɛmfua id=”attachment_12865″ align=”aligncenter” ntrɛwmu=”930″]
BPIF nkyekyɛmu[/nsɛmfua]

Ahorow ahorow

BPIF ahorow atitiriw abiɛsa na ɛwɔ hɔ.

1. Bue . Saa su yi fata ma wɔn a wɔrefi ase, wubetumi atɔ na woatɔn agyapade bi wɔ adwumayɛ bere mu a anohyeto biara nni ho. Wobu no sɛ asiane kakraa bi na ɛwɔ mu, efisɛ nea ɔde ne sika bɛto mu no wɔ ne sika a ɔde bɛto mu no so tumi kɛse.
2. Ntamgyinafo . Wɔma kwan ma wɔtɔ nneɛma na wɔtɔn wɔ bere pɔtee bi mu nkutoo, mpɛn pii no wɔ bere pii mu wɔ afe no mu nyinaa, na bere no ntra adapɛn abien. Asiane ne akatua no sõ sen adwene a ɛda adi pefee no, efisɛ wɔn a wɔde sii hɔ no betumi ahwɛ sika no so na wɔrenhaw wɔn ho sɛ sikasɛm mu asisifo a wonnim akenkan ne akyerɛw befi ase abɔ hu wɔ nteɛso bi anaasɛ bere tiaa bi a ɛbɛkɔ fam no mu.
3. Wɔato mu . Saa su yi kyerɛ sɛ wɔde sika bɛto hɔ bere tenten – anyɛ yiye koraa no mfe pii. Wontumi nni agyapade ho dwuma ɔkwan biara so kosi sɛ sikakorabea no bɛba awiei.

Mfaso ne ɔhaw ahorow a ɛwɔ BPIF ahorow so

Esiane BPIF dodow nti, obi a ɔde ne sika hyɛ mu betumi de ne sika ahyɛ agyapade ahorow pii mu ntɛm ara. Nanso adwinnade biara wɔ mfaso ne ɔhaw ahorow. Nneɛma pa a ɛwom no bi ne:

• tumi a wotumi tɔ sikakorabea ahorow a enni Russia gua so anaa sikakorabea ahorow;
• ɛyɛ mmerɛw sɛ wobɛma wo portfolio no ayɛ ahorow ahorow;
• sika a wɔde boa wɔn ho wɔn ho no ntua tow wɔ sika a Russia nnwumakuw kyɛ no ho;
• ɛka a wɔbɔ wɔ ɔman no mu BPIF ahorow no mu kyɛfa biako ho no betumi ayɛ ruble ahorow pii, a ɛma wutumi hyɛn mu a wunhia sika kakraa bi;
• wobɛtumi atɔ amannɔne agyapadeɛ denam BPIFs so, yei bɛgye wo afiri ɔhaw a ɛho nhia a ɛfa toɔ ho nkrataa ho;
• hokwan a wobenya de agye tow a wɔatew so, a egyina ankorankoro sikasɛm akontaabu a ɛwɔ hɔ so.

Ebia Russia BPIF ahorow no aba no bɛyɛ kɛse asen amannɔne ETF ahorow a wɔn sikakorabea no te saa ara. Nneɛma a enye a ɛwom no bi ne:

• sika binom nyɛ nea ɛda adi pefee sɛnea ɛsɛ;
• ahyɛde akɛse a wɔn a wɔhyehyɛɛ no ​​no fii ase;
• ɛka a wɔbɔ wɔ tow a wɔbɔ wɔ kyɛfa a wɔde ma ho;
• ɛtɔ mmere bi a, agyapade bo a ɛwɔ sikakorabea no di akyi ankasa.

Ɛsɛ sɛ wohwɛ yiye nso wɔ sika foforo a wɔde ahyɛ ase no ho. Mpɛn pii no, ɛkame ayɛ sɛ wonni wɔn ho nsɛm biara, a ɛmma wontumi nsusuw asiane ahorow a ɛwɔ sika a wɔde bɛto mu no ho. Afei nso, agofomma foforo taa nya sika kɛse, na eyi yɛ ɔhaw kɛse dedaw bere a wɔde toto akansifo ho no.

So ɛsɛ sɛ me ne BPIF tua tow

Tow a wɔbɔ wɔ kyɛfa, kyɛfa ne coupon a wotua ho no, adwumakuw a ɛhwɛ sikakorabea no na etua. Ɛyɛ nea ɔde ne sika ahyɛ mu no asɛyɛde sɛ otua tow wɔ sika a onya bere a ɔretɔn sikakorabea ahorow no nkutoo ho, kyerɛ sɛ, nsonsonoe a ɛda bo a wɔtɔn ne nea wɔtɔ no ntam. Sɛ wode sika sie BPIF no mu bɛboro mfeɛ mmiɛnsa a, ɛnde nea ɔde ne sika ahyɛ mu no, wɔayi no afiri toɔ a ɔtua wɔ toɔ mu mfasoɔ ho. Sɛ wubenya towtua mu ahotɔ a, anyɛ yiye koraa no, ɛsɛ sɛ wukura kyɛfa mfe abiɛsa, sɛ sika a wunya no sua sen ruble ɔpepem abiɛsa afe biara a. Ɛne sɛ, sɛ obi a ɔde ne sika hyɛ mu no anya sika a ennu ruble ɔpepem akron wɔ mfe abiɛsa mu a, ɛnde na wɔayi no afi tow a obetua wɔ tow a wɔatew so no ho.

So ebetumi aba sɛ asraafo, polisifo ne aban adwumayɛfo de wɔn sika bɛto BPIF mu

Russia Ɔman no mmarahyɛ bagua ahorow mu adwumayɛfo betumi de wɔn sika ahyɛ BPIF ahorow mu, a ɔman no mu agyapade nkutoo ka ho. Nanso wɔabara amannɔne sika, a wɔakyerɛw wɔ mmara “On Combating Corruption” no mu. Ɛfata sɛ yɛhyɛ no nsow sɛ ɛnyɛ dibea ahorow nyinaa na ɛhyɛ saa bara a wɔabara yi ase, enti eye sɛ wubehu nea wɔahyehyɛ no yiye.

BPIFs ne tebea horow a ɛwɔ afe 2022 mfiase

Ɛnnɛ
aguadifo a wɔpɛ sɛ wonya wɔn a wɔde wɔn sika bɛto mu daa no pii redɔɔso. Sɛ kan no na ɛsɛ sɛ wugyina ntonto akɛse mu kɔtɔ ahobammɔ bi a, afei de biribiara si wɔ intanɛt so denam “Tɔ” bɔtn no a wobɛmia so. Broker biara de n’ankasa tebea horow ma na ɔwɔ nneɛma soronko.

Sika a wɔde sesa sika a wɔde di gua wɔ Moscow Exchange no so

Moscow Exchange wɔ afe 2022 mu no de BPIF ahorow a edidi so yi ma https://www.moex.com/msn/etf. Eyi boa wɔn a wɔrefi ase no ma wɔte sɛnea ɛyɛ adwuma no ase. Wubetumi afi ase de sika ahyɛ Moscow Exchange no mu afi ruble 100 so.

Tinkoff a ɛwɔ hɔ

Tinkoff wɔ BPIF ahorow pii a agye din, link https://www.tinkoff.ru/invest/tinkoff-capital/, wɔma portfolio nkɔso a ɛtra hɔ daa ho bɔhyɛ bere kɔ so. Wubetumi atɔ, sɛ nhwɛso no, RUB Eternal Portfolio sikakorabea no mu kyɛfa, a wɔayi afi broker no commission no mu koraa.
Ɛwɔ afã anan a ɛyɛ pɛ: sika ne bere tiaa mu nkrataa, adwumakuw no mu kyɛfa, sika kɔkɔɔ ne nkrataa. Tinkoff diversifies portfolio no sɛ agyapade no mu biako kɔ soro kɛse a. Kyɛfa bo fi ase fi ruble 5, na mfaso a wonyae wɔ mfe 18 mu no yɛ ɔha biara mu nkyem 850.

Sberbank a ɛwɔ hɔ no

Sberbank de BPIFs pii https://www.sberbank.ru/ru/person/investments/pifs a asiane biara wom ma. Ɛyɛ papa ma novice investors. Entry threshold yɛ 1 kyɛfa, na ɛka no fi ase fi rubles kakraa bi. Wubetumi atɔ anaa atɔn agyapade ntɛm ara wɔ adwumayɛ bere mu, na sika a wotua ne ɛka a wɔbɔ no ntra ɔha biara mu nkyem 1.

VTB na ɛwɔ hɔ

Sikakorabea no hwɛ BPIF bɛboro 20 so https://broker.vtb.ru/services/pif/, ɛyɛ agyapade no bo foforo da biara a wontua hwee, na ɛsan nso bɔ sika a wɔde asie no ho ban fi nneɛma bo a ɛkɔ soro ho. Akwan a ɛba fam koraa a wɔde hyɛ mu no yɛ 1000 rubles. Sikakorabea a ɛde asiane ba no anya bɛboro ɔha biara mu nkyem 12 wɔ afe a etwaam no mu. BPIFs a ɛwɔ Moscow Exchange no wɔ screenshot a ɛwɔ aseɛ ha yi mu, na 2022 no din nyinaa wɔ https://www.moex.com/msn/etf: MOEX[/nsɛm a wɔakyerɛw no].

Stocks, bonds, sika, agyapade ne agyapade afoforo bi nkutoo na wobetumi de ahyɛ mutual fund a wɔde nsakrae di gua mu. Amannɔne sikakorabea ntumi nka BPIF ho, anaasɛ ɛnyɛ sikakorabea a wɔakyerɛw din wɔ Russia Aban no akyi.

Nsɛmmisa ne mmuae

Sɛ wɔn a wɔhyehyɛɛ sikakorabea no kɔ fam a, dɛn na ɛbɛba? Sikakorabea a wɔde sika gu mu no nyɛ adwumakuw bi a ɛhwɛ so no agyapade. Sɛ adwumakuw no kɔ bankrupt a, ɛnde ɛrentumi nyɛ yiye sɛ wobegye sika afi BPIF hɔ, wɔbɛsan de sika no nyinaa ama wɔn wuranom, sikakorabea no begyae, na wɔn a wɔhyehyɛɛ no ​​no bɛhwere wɔn tumi krataa.
So ɛsɛ sɛ metɔn kyɛfa sɛ sikakorabea no bo kɔ fam a? Saa asɛmmisa yi hyia obiara a ɔba foforo a ofi ase de ne sika hyɛ mutual funds mu. Nokwasɛm no ne sɛ sika dodow no ara asɛmti ne mfaso a wobenya bere tenten, enti sɛ asiane ahorow no sua a, ɛnde eyi yɛ bere tiaa mu nteɛso ara kwa. Sɛnea ɛte biara no, sɛ́ wɔbɛtɔn anaasɛ wɔrentɔn no yɛ ankorankoro gyinaesi a obiara a ɔde ne sika hyɛ mu no asi, ɛnyɛ yaw sɛ wobɛte nea ɛrekɔ fam ankasa ase, ayɛ nhwehwɛmu, na bere a saa nsakrae ahorow yi asi gyinae a etwa to akyi nkutoo.
So ebetumi aba sɛ m’ankasa mɛkyekye portfolio sɛnea ɛbɛyɛ a merentua sika foforo mma sikakorabea no? Sɛ bere ne hokwan wɔ hɔ a, ɛnde obiara mmra wo sɛ w’ankasa wobɛyɛ portfolio. Nanso, ɛnyɛ bere nyinaa na eyi yɛ nea mfaso wɔ so, efisɛ nnwumakuw a wɔhwɛ so no wɔ animdefo a wɔfata a wɔyɛ adwuma wɔ sikakorabea no ho bere nyinaa.
So BPIF betumi ahyɛ bɔ sɛ wobenya mfaso? Nea edi kan no, ɛrentumi nyɛ yiye ara kwa, efisɛ obiara nnim nea ɛbɛto agyapade no ɔkyena. Na nea ɛto so abien no, mmara abara.