Nukae nye ga si wotsɔna dzraa gae si wotsɔna dzraa gae, gadede BPIF me

BPIFs – nukae wonye le nya bɔbɔewo me kple alesi woade ga asi na ga si wodzrana le asitɔtrɔ me, alesi woaƒle nu le Moscow Exchange. Tso ƒe 2020 me la, amewo va le ɖe tsɔm le gadede asi me geɖe wu be woakpɔ egbɔ be yewotsi dzimaɖitsitsitɔe alo ɖeko yewoadzi yewoƒe gadede asi ɖe edzi, gake gadede asi bia sidzedze aɖewo. Le nyati sia me la, míele nu ƒom tso BPIFwo ŋu, míadzro dɔwɔnua ƒe viɖewo kple kuxiwo me, eye míaɖo nya siwo wobiaa enuenu hã ŋu.

Nukae nye BPIF le nya bɔbɔewo me

BPIF ƒe kpukpui nye gadodo ƒe ga si wodzrana le asitɔtrɔ me. Esia nye dɔwɔnu aɖe, si ƒe taɖodzinu vevitɔe nye be wòana gakpɔkpɔ geɖe wu ne wotsɔe sɔ kple ga si woda ɖe gadzraɖoƒe ƒe nusiwo wozãna ɖaa me. Esɔ na gadelawo bibiwo kple gadelawo siaa. Le gaɖɔliƒea la, àte ŋu akpɔ BPIF kple ETF gawo, vovototo ɖedzesi ɖeka le wo dome:

1. ETF nye ga siwo wode agbalẽ me le Russia Dukɔa godo, gake woate ŋu aƒle wo le Russia;
2. BPIF meto vovo tso esi do ŋgɔ nɛ gbɔ o, negbe ɖe woŋlɔ ga mawo ɖe agbalẽ me le Russia Dukɔa me ko la, dɔwɔƒe siwo tso dukɔ bubuwo me ƒe dedienɔnɔgbalẽviwo ate ŋu anɔ gaxɔa me.

Anyo hã be míade dzesii be gaxɔ aɖe li – gadodo ɖekae si womewɔa asitsadɔ le gaxɔwo ƒe asitsaƒewo o. Woate ŋu aƒle nunɔamesi sia ƒomevi tso dɔwɔƒe si kpɔa edzi gbɔ tẽ. Mèhiã na asitsahabɔbɔ ƒe akɔntabubu gɔ̃ hã
na esia o. https://articles.opexflow.com/investments/pif.htm Gake woateŋu aƒle BPIF ƒe gaxɔgbalẽviwo tẽ le gaxɔmenudzraƒe. Esɔ gbɔ be gadelawo nage ɖe gaxɔa me tẽ alo to domenɔlawo dzi, le kpɔɖeŋu me, to
Tinkoff Investments dzi , atia gaxɔ aɖe eye wòaƒle ga home si wobia tso esi. BPIF ate ŋu anye: dɔwɔƒe siwo kpɔa viɖe ƒe gomekpɔkpɔ, ga, ga xɔasiwo, abe sika ene, kpakple nunɔamesi bubuwo. Mutual fund dzro alo exchange mutual fund – nusi woatia kple alesi ɖeka ato vovo tso evelia gbɔ: https://youtu.be/fpoDFrnvQDo

Nu tɔxɛwo

BPIF-wo mele dɔdzikpɔkpɔ vevie te o, elabena dɔdzikpɔlawo ƒe dɔwɔƒewo léa gomewo ɖe asi ɣeyiɣi didi aɖe, eyata nususugblɔwo mele nyanya me o. Zi geɖe la, gaxɔa ƒe gaxɔgbalẽviwo ƒe ɖoɖo metrɔna ƒe ewo o. Gaxɔwo ƒe akpawo ƒeƒle wɔnɛ be woate ŋu ade ga nunɔamesi siwo mele gaɖɔliƒe ƒe asiwo me o la me ɖe vovo. Gaawo ɖolawo naa akɔnta edziedzi, eyata ɖikeke aɖeke mele nuwɔwɔ le gaglãgbe ŋu o. Azɔ hã, le asitsatsa ƒe asi akpa gãtɔ me la, àte ŋu alé ŋku ɖe gaxɔgbalẽvia ƒe ɖoɖo ŋu le ɣeyiɣi ŋutɔŋutɔ me.

Nudidiwo na gadede dɔwɔƒewo ƒe gadede asi na ga si wodzrana le asitɔtrɔ me le https://www.moex.com/a2613

Alesi BPIF wɔa dɔe

BPIFwo ɖolawo xɔa nunɔamesiwo kple ga siwo gadelawo de gaxɔa me to gomenɔamesiwo ƒle me. Mlɔetɔa hã va zua gaxɔgbalẽvi siwo katã le gaxɔgbalẽvia me la ƒe hadɔwɔla. Gomekpɔkpɔ nye dedienɔnɔ si sɔ kple gomekpɔkpɔ dzro aɖe. Wowɔa unit ƒe asiwo le wo ɖokui si, esia dzɔna gbesiagbe, negbe kwasiɖanuwuwuwo koe mele eme o. Wonɔa te ɖe nunɔamesi siwo le gaxɔa ƒe gaxɔ me ƒe asixɔxɔ dzi. Le kpɔɖeŋu me, ne dɔwɔƒeawo dometɔ ɖeka ƒe dedienɔnɔgbalẽviwo dzi ɖe edzi ŋutɔ la, ekema gomekpɔkpɔa ƒe asi adzi ɖe edzi, esia hã dzɔna le mɔ si to vovo na ema nu. BPIF kple ETF – nukae nye vovototowo, nusiwo ɖi wo nɔewo kple vovototo siwo le wo dome, viɖe kple kuxiwo: https://youtu.be/4wPpZM_JmCs

Ale si woawɔ aƒle BPIF

Hafi nàdze nunɔamesi aɖewo ƒle gɔme la, ele be nàʋu asitsaƒe aɖe. Mɔ bɔbɔetɔ si dzi woato awɔ esiae nye to gadzraɖoƒe gã siwo le Internet dzi dzi, siwo naa mɔnukpɔkpɔ ame be woade ga gaxɔgbalẽviwo me, le kpɔɖeŋu me:

• Tinkoff ƒe;
• Alfa Gadzraɖoƒe;
• Sberbank ƒe ƒuƒoƒoa.

https://articles.opexflow.com/brokers/brokerskij-schet.htm Nyateƒee, gadzraɖoƒe bubuwo li, gake esiawoe nye esiwo amewo lɔ̃na wu le Russia Dukɔa me. Àte ŋu aʋu asitsahabɔbɔ ƒe akɔnta hã tẽ, le kpɔɖeŋu me, le Moscow Exchange. Sberbank ƒe asitɔtrɔ-sitsatsa ƒe gadodowo: ɖe wòsɔ be woade ga SBMX, SBSP, SBRB, SBCB kple SBGB ƒe gadodowo me: https://youtu.be/DBRrF-z-1do

Nufiame afɔɖeɖe ɖesiaɖe

Míazã
Tinkoff Investments ƒe dɔwɔɖoɖo ƒe kpɔɖeŋu https://www.tinkoff.ru/invest/ atsɔ adzro alesi nàte ŋu aƒle gaxɔ ƒe akpawo me. Ne èdi be yeaƒle nu la, ŋlɔ ŋkɔ ɖe dɔbiagbalẽvia me, eye emegbe nàyi akpa si nye “Nusi nàƒle” la, ele ɖoɖowɔɖia ƒe gɔme tututu.
Afɔɖeɖe si kplɔe ɖoe nye be nàtia ga aɖe, àte ŋu akpɔe le didiƒea, alo nàyi “Gawo” ƒe akpaa dzi.
Eɖe ga siwo katã woate ŋu aƒle le ɣeyiɣi sia me la fia. Ŋutete li be woadi nu to dzidzenu aɖewo dzi, eye àte ŋu akpɔ tɔtrɔ siwo va le nunɔamesiwo ƒe asiwo hã me le dɔwɔŋkeke mamlɛtɔ dzi. Le Tinkoff Eternal Portfolio gaxɔ ƒe kpɔɖeŋu dzi la, àte ŋu akpɔ alesi gomekpɔkpɔ ƒeƒle yia edzii. Ele be nàke ɖe eŋu le xexlẽdzesi bliboa me alo to didia me.
Àte ŋu akpɔ asixɔxɔ ƒe tɔtrɔ ƒe nɔnɔmetata le afisia hena ɣeyiɣi aɖe koŋ, eye nànya gaxɔa ƒe ɖoɖo, taɖodzinu kple eƒe wɔwɔme le “Kpɔɖeŋu” ƒe akpaa dzi. Àte ŋu akpɔ nyadzɔdzɔ yeyewo hã le afima. Be nàƒle gome aɖe la, ele be nàzi blɔ ƒe dzesi si sɔ kplii dzi.
Le ema megbe la, ezãla anɔ nuƒle ƒe nyawo me, afisi asi si woxena fifia anɔ le ɣeyiɣi sia me. Ele be nàgblɔ lotawo ƒe xexlẽme, eye nàzi “Ƒle” ƒe dzesi dzi. Ele be woabu eŋu be ne le ɣeyiɣi sia me la, gomekpɔkpɔ ƒe xexlẽme si wobia le asi aɖe si wona me mele asitsaƒea si o la, ekema nudɔdɔa azu seɖoƒe ƒe sedede – womaƒle lotwo le asi si kɔkɔ wu esi wona la nu o.

Nukae nye gazazãwo kple dɔdzikpɔhawo

Mègaŋlɔ dɔdzikpɔfewo be o, elabena asitsalawo naa dɔwo le fetu nu. Le nunɔamesi si nètia nu la, dɔdzikpɔhaa ate ŋu ato vovo vie, gake ne èle gome gbogbo aɖewo ƒlem la, gadelawo ase vovototoa le wo ɖokui me, eyata ele be nàlé ŋku ɖe eŋu. Woate ŋu ade vovototo gazazã vevi etɔ̃ dome, tsɔ kpe ɖe ga si woatsɔ awɔ gomea ŋu.

1. asitsalawo ƒe dɔdzikpɔha . Zi geɖe la, enyea nu sue aɖe ko eye mewua 0.1-0.3% o, elabena asitsalawo tsɔ ɖe le nuwɔwɔ aduadu kple ame ɖekaɖekawo me.
2. Ga si wotsɔna dzraa gae ƒe gazazãwo . Mewu 0.1% le ƒe sia ƒe ƒe kutsetse si wokpɔna le mama dedie nu me o.
3. Dɔdzikpɔha si gɔmeɖolawo ɖo anyi . Ehiã ale be dɔwɔƒe si kpɔa nunɔamesiwo dzi nate ŋu akpɔ nunɔamesiwo dzi.

Zi geɖe la, deme si yina ɖe gaxɔa ƒe gazazãwo kple edzikpɔkpɔ ŋu la dea gomea ƒe asi me. Wobua wo gbesiagbe, le asixɔxɔ si le gaxɔ bliboa ŋu nu.

Ku ɖe BPIFwo ŋu le MOEX dzi https://www.moex.com/s190

ETF aɖe tiatia

Mɔnu geɖe li siwo dzi woato atia gaxɔ, wo katã kloe do ƒome kplikplikpli kple gadede asi ƒe taɖodzinuwo, elabena afɔku ƒe seƒe to vovo na wo. Taɖodzinu aɖewo koŋ akpe ɖe ŋuwò nàtia ETF nyuitɔ. Le kpɔɖeŋu me, ga siwo da sɔ la te ŋu nɔa te ɖe ga siwo le ɖiɖim nu elabena nunɔamesiwo le woƒe gaxɔmenu siwo ate ŋu axe fe ɖe ga siwo ge la ta. Woate ŋu ayɔ gaxɔ sia tɔgbe be ga si me woɖea asi le nu ŋu le, elabena afɔku siwo dona tso eme kple ga si woakpɔ tso eme la mesɔ gbɔ o. Enyo ŋutɔ be woatsɔ axe ga ƒe asixɔxɔ nu eye woawɔ ga geɖe wu. Afɔku ƒe ga siwo me gomekpɔkpɔ le la sɔ na taɖodzinu siwo anɔ anyi ɣeyiɣi didi. Adzɔnu akpa gãtɔ dzina ɖe edzi le didiƒe ʋĩ, gake ate ŋu anɔ ɖoɖo nu hena ɣeyiɣi kpui aɖe. Ele vevie nenema ke be nàtia ga si woatsɔ ade ga gaxɔa me. Le Russia la, zi geɖe la, wodea ga ruble me, gake ɣeyiɣi didi ƒe nukpɔsusua nana dukɔa ƒe ga ƒe asixɔxɔ dzi ɖena kpɔtɔna kabakaba wu wu euro alo United States dɔlar. Se vevi evee li:

• mele be gaxɔa ƒe nunɔamesiwo nanɔ te ɖe wo nɔewo dzi o;
• ele be dɔ si woaxe ɖe nuƒle kple nudzadzra ta la nanye suetɔ kekeake.

Ne èƒle nunɔamesi aɖe vɔ la, anyo wu be nàŋlɔe be, elabena viɖe aɖeke mele gomekpɔkpɔ ƒe dzidziɖedzi alo ɖiɖi ŋu o. Zi ɖeka le ɣletia me alo zi geɖe gɔ̃ hã la, àte ŋu atrɔ
asi le wò gaxɔgbalẽviwo ŋu le mɔ vovovowo nu . Ele be nàɖɔ ŋu ɖo le ga yeye siwo wodo ɖe ŋgɔ hã ŋu. Zi geɖe la, nyatakaka aɖeke kura menɔa wo ŋu o, si meɖea mɔ be woabu afɔku siwo le gadede asi me ŋu o. Azɔ hã, zi geɖe la, dɔdzikpɔfe geɖe nɔa fefewɔla yeyewo si, eye esia nye kuxi gã aɖe xoxo ne wotsɔe sɔ kple hoʋlilawo.

Ðe wòhiã be maxe adzɔwo kple BPIFa

Gaxɔdzikpɔlawoe xea adzɔ siwo woxena ɖe ga si woama, gomekpɔkpɔ kple coupon ƒe fexexe ta. Ele na gadelawo be wòaxe adzɔ ɖe ga si wòkpɔna le gaxɔgbalẽviwo dzadzra me ko ta, si nye vovototo si le ga si wodzra kple esi woƒle dome. Ne èdzra ga ɖo ɖe BPIF me wu ƒe etɔ̃ la, ekema woɖe asi le gadelawo ŋu be woaxe adzɔ ɖe adzɔxexe ƒe viɖewo ta o. Be woaɖe adzɔxexe dzi akpɔtɔ la, ele be nàlé gomenɔamesiwo ɖe asi ƒe etɔ̃ ya teti, nenye be ga si nèkpɔna la mede ruble miliɔn etɔ̃ ƒe sia ƒe. Eyae nye be ne gadelawo ƒe fetu mede ruble miliɔn enyi le ƒe etɔ̃ me o la, ekema woɖe asi le eŋu be wòaxe adzɔ ɖe adzɔ si woɖe le eŋu ta o.

Ðe wòanya wɔ be asrafowo, kpovitɔwo kple dziɖuɖudɔwɔlawo nade ga BPIF mea

Russia Dukɔa ƒe sedzikpɔlawo ƒe dɔwɔlawo ate ŋu ade ga BPIF-wo me, siwo me dukɔa me nunɔamesiwo koe le. Gake mɔxexe ɖe duta gawo nu li, si woŋlɔ ɖe se si nye “On Combating Corruption” me. Anyo be míade dzesii be menye ɖoƒewo katãe dzena le mɔxexeɖedɔléle sia te o, eyata anyo wu be nànya xexlẽdzesiawo nyuie.

BPIFwo kple nɔnɔmewo le ƒe 2022 ƒe gɔmedzedze

Egbea la,
asitsalawo le dzidzim ɖe edzi siwo di be yewoadi gadelawo tegbee. Ne tsã la, ele be nàtsi tre ɖe fli gãwo me aƒle dedienɔnɔ aɖe la, fifia nusianu dzɔna le Internet dzi to “Ƒle” ƒe dzesi la teti me. Adzɔha ɖesiaɖe naa eƒe nɔnɔmewo eye nɔnɔme tɔxɛwo le esi.

Ga siwo wotsɔna dzraa gae siwo wotsɔna dzraa gae le Moscow ƒe Asitsaƒea

Moscow Exchange le ƒe 2022 ƒe ɣeyiɣia me na BPIF siwo gbɔna https://www.moex.com/msn/etf. Esia kpena ɖe gɔmedzelawo ŋu be woase alesi wòwɔa dɔe gɔme. Àte ŋu adze gadede ga me gɔme le Moscow ƒe Asitsaƒea tso ruble 100 dzi.

Tinkoff ƒe nyawo

Tinkoff ƒe BPIF xɔŋkɔ geɖewo le esi, kadodo https://www.tinkoff.ru/invest/tinkoff-capital/, woka ɖe edzi be portfolio ƒe dzidziɖedzi si anɔ anyi ɖaa le ɣeyiɣi aɖe megbe. Le kpɔɖeŋu me, àte ŋu aƒle RUB Eternal Portfolio gaxɔa ƒe akpa aɖewo, si woɖe asi le keŋkeŋ tso asitsaha la ƒe dɔdzikpɔha me.
Akpa ene siwo sɔ le eme: ga kple ɣeyiɣi kpui aɖe ƒe gagbalẽwo, dɔwɔƒea ƒe gomenɔamesiwo, sika kple gagbalẽwo. Tinkoff trɔa asi le gaxɔgbalẽvia ŋu ne nunɔamesiawo dometɔ ɖeka dzi ɖe edzi ŋutɔ. Gomenɔamesiwo ƒe asi dzea egɔme tso ruble 5 dzi, eye ga si wokpɔ le ƒe 18 me la nye 850 le alafa me.

Sberbank ƒe ƒuƒoƒoa

Sberbank naa BPIF geɖewo https://www.sberbank.ru/ru/person/investments/pifs kple afɔku ƒe seƒe ɖesiaɖe. Enyo ŋutɔ na gadelawo yeye. Nusiwo woatsɔ age ɖe eme ƒe dzidzenu nye gomekpɔkpɔ 1, eye ga si woaxe ɖe eta la dzea egɔme tso ruble ʋɛ aɖewo dzi. Àte ŋu aƒle nunɔamesiwo alo adzra wo enumake le dɔwɔɣiwo, eye dɔdzikpɔfewo kple gazazãwo mewu alafa memama 1 o.

VTB

Gadzraɖoƒea kpɔa BPIF siwo wu 20 dzi https://broker.vtb.ru/services/pif/, ewɔa nunɔamesiawo ƒe asi yeyee gbesiagbe femaxee, eye wòkpɔa ga si wodzra ɖo hã ta tso ga ƒe asixɔxɔ me. Nu suetɔ kekeake si woatsɔ age ɖe emee nye ruble 1000. Ga si wotsɔ dea afɔku me la gakpɔ ga si wu 12 le alafa me le ƒe si va yi me. BPIF siwo le Moscow Exchange la le screenshot si le ete la me, eye ƒe 2022 ƒe xexlẽdzesi bliboa le https://www.moex.com/msn/etf: MOEX[/nyametsotso].

Adzɔnuwo, gagbalẽwo, ga, nunɔamesiwo kple nunɔamesi bubu aɖewo koe woate ŋu ade gaxɔ si wotsɔ ɖɔa li gae me. Duta gaxɔ mate ŋu atsɔ BPIF ade eme o, alo anye ga si woŋlɔ ŋkɔ na le Russia Dukɔa godo o.

Nyabiasewo kple ŋuɖoɖowo

Nukae adzɔ ne gaxɔa ɖolawo do kpo nu? Ga si wotsɔ dea gae nye dɔwɔƒe si kpɔa dɔa dzi ƒe nunɔamesi o. Ne dɔwɔƒea do kpo nu la, ekema manya wɔ be woaxɔ ga le BPIF me o, woagbugbɔ gaawo katã ana aƒetɔwo, ga la maganɔ anyi o, eye gɔmeɖoanyilawo abu woƒe mɔɖegbalẽ.
Ðe wòle be madzra gomenɔamesiwo ne gaxɔa ƒe asi ɖiɖia? Nyabiase sia dzea ŋgɔ ame yeye ɖesiaɖe si dzea gadede asi na amewo ƒe gadodowo me. Nya lae nye be ga akpa gãtɔ ƒe taɖodzinue nye gakpɔkpɔ ɣeyiɣi didi, eyata ne afɔkuawo le sue la, ekema ɣeyiɣi kpui aɖe ƒe ɖɔɖɔɖo koe esia nye. Aleke kee wòɖale o, nenye be woadzra nu alo womadzrae o nye gadelawo dometɔ ɖesiaɖe ƒe nyametsotso ɖekaɖeka, mevea ame be woase nusi tututu ƒe asi le ɖiɖim gɔme, awɔ numekukuwo, eye ne asitɔtrɔ siawo wɔ nyametsotso mamlɛtɔ vɔ ko hafi.
Ðe wòanya wɔ be matu gaxɔgbalẽvi le ɖokuinye si ale be nyemaxe fe bubuwo ɖe gaxɔa ŋu oa? Ne ɣeyiɣi kple mɔnukpɔkpɔ li la, ekema ame aɖeke mexe mɔ na wò be nàɖo agbalẽdzraɖoƒe le ɖokuiwò si o. Gake esia meɖea vi ɣesiaɣi o, elabena eŋutinunyala bibi siwo wɔa dɔ le gaxɔgbalẽvia ŋu ɣesiaɣi le dɔwɔƒe siwo kpɔa dɔa dzi la si.
Ðe BPIF ate ŋu aka ɖe edzi be woakpɔ viɖea? Gbã la, ɖeko wòanya wɔ o, elabena ame aɖeke menya nusi adzɔ ɖe nunɔamesiawo dzi etsɔ o. Eye evelia, se de se ɖe enu.