Okusoma eby’ensimbi mu lulimi olutuukirirwa: eby’okuyiga ebisinga obulungi n’obukodyo okuva mu opexbot

Ekiwandiiko kino kyatondebwa nga kyesigamiziddwa ku biwandiiko ebiwerako okuva ku  mukutu gwa OpexBot Telegram , nga byongeddwako okwolesebwa kw’omuwandiisi n’endowooza ya AI. Opexbot egaba emisomo ku kusoma eby’ensimbi ku yintaneeti, ebikozesebwa ebisinga obulungi n’okubuulirira mu mwaka gwa 2023, mu lulimi olutuukirirwa era olutegeerekeka eri abaana, abayizi, n’abaweebwa akasiimo. Amagezi ag’omugaso n’enkola egenderere ku buli mbeera.

Nze wano era wano wendi .

Okusoma eby’ensimbi kye ki mu bigambo ebizibu era ebyangu

Ka tutandike. Okusoma eby’ensimbi kulinga engo ya Amur, bangi bawulidde, abamu balabye mu bifaananyi, ate n’abatono abasisinkanye mu buntu. Kale okusoma eby’ensimbi kye ki? Wano waliwo ennyonyola eweereddwa VIKI:

A little abstruse, as, however, almost always with Vika. Mu ngeri ennyangu, y’obukugu n’okumanya ebikuyamba okwewala okusaasaanya ssente ennyingi n’okwongera ku ssente z’otereka. Okusoma eby’ensimbi mulimu okukuuma n’okuteekateeka embalirira, okumanya ebintu ebikozesebwa mu kwewola ne yinsuwa, obusobozi bw’okuddukanya ssente, okusasula obulungi ssente, okuteeka ssente n’okutereka.

Okumanya ebikwata ku by’ensimbi ku nteekateeka, okuteeka ssente n’okukulaakulana.

Ensonga ki omuntu z’agonjoola ng’ayiga okusoma eby’ensimbi?

Endowooza eboola katono naye nga ya mugaso ku kusoma n’okuwandiika eby’ensimbi. Bw’oba ​​omugayaavu ennyo okusoma, ka tugende butereevu ku magezi ag’omugaso, emisomo n’okutendekebwa mu kusoma eby’ensimbi okuva mu opexbot. Okumanya eby’ensimbi kye kimu ku bukugu obukulu obwetaagisa mu nsi ya leero okusobola okuddukanya obulungi eby’ensimbi byo n’okulaba ng’ebyensimbi bitebenkedde okumala ebbanga eddene. Ekigambo kino kitegeeza obusobozi bw’omuntu okutegeera n’okukozesa okumanya ku bikozesebwa mu by’ensimbi, okuteeka ssente, okukola embalirira, okuddukanya amabanja, n’okuteekateeka ebiruubirirwa by’ebyensimbi. Ekimu ku bintu ebikulu ebiyamba okusoma eby’ensimbi kwe kusobola okuddukanya obulungi enyingiza yo n’ensaasaanya yo.. Kuno kw’ogatta okukola n’okugoberera embalirira, okwekenneenya embeera y’ebyensimbi, okuteekateeka n’okufuga ensaasaanya. Abantu abamanyi eby’ensimbi bategeera bulungi ensaasaanya ki ezeetaagisa era eyinza okwongezebwayo mu biseera eby’omu maaso. Ekitundu ekikulu mu kumanya eby’ensimbi nakyo kwe kusobola okuteeka ssente zo mu butuufu . Abantu abamanyi eby’ensimbi bafuba okutegeera ebikozesebwa eby’enjawulo eby’ensimbi, akabi n’amagoba agava mu nsimbi ze bateeka mu bizinensi okusobola okufuna amagoba amangi n’okukendeeza ku kufiirwa okuyinza okubaawo. Basalawo mu ngeri ey’amagezi ku by’ensimbi nga basinziira ku mawulire n’okwekenneenya. Anti okusoma eby’ensimbi kuzingiramu obusobozi bw’okuteekateeka eby’ekiseera ekiwanvu n’okutuukiriza ebiruubirirwa by’ebyensimbi. Omuntu alina obukugu buno y’asalawo by’akulembeza era n’akola ebipimo ebyetaagisa okubissa mu nkola. Era ategeera obukulu bw’ensawo ey’amangu era amanyi okuddukanya amabanja ge okwewala obuzibu mu by’ensimbi mu biseera eby’omu maaso. Okumanya eby’ensimbi kitundu kikulu nnyo mu mbeera y’ebyensimbi ennungi era ey’olubeerera. Obukugu buno buwa abantu amaanyi okusalawo mu ngeri ey’amagezi ku by’ensimbi n’okuddukanya obulungi eby’obugagga byabwe. Abantu abamanyi eby’ensimbi balina obukugu obuyinza okubayamba okufuna obwetwaze mu by’ensimbi, okukuuma okuwummula kwabwe mu biseera eby’omu maaso, n’okuwa amaka gaabwe obukuumi mu by’ensimbi.

Lwaki oli mwavu – psychology, eby’obugagga n’emize

Engeri y’okufuuka omumanyifu mu by’ensimbi: ekibinja ky’ebyokuyiga okuva mu opexbot

Emisomo gy’okusoma eby’ensimbi eriwo eri abaana, abaana b’amasomero, abayizi n’abawummudde. Katutandike enteekateeka y’okusomesa n’ebbaluwa okuva eri omusomi waffe owa bulijjo.

Okuva mu buto tuyigirizibwa okubeera mu mmana

Akawungeezi akalungi, ba admins. Ka ntandike n’okuba nti bangi ku ffe tetwasomesebwa kusoma bya nsimbi. Baasomesa ebintu bingi ku ssomero, naye nga tewali kintu kyonna ku ngeri y’obutafuuka musabiriza. Yali ku ngeri buli omu gy’alina okuba ng’omu: okusoma obulungi, okugenda mu kiraabu ya macrame n’okugenda mu nnaku z’okuyonja. Wali weebuuzizza lwaki abantu bangi abagenda okutuuka ku buwanguzi mu biseera eby’omu maaso mu bayizi ba C? Yee, okuva mu buto bafuuwa amalusu ku nkola n’enkuŋŋaana ennene. Batwala akabi ne bagenda mu ngeri yaabwe. Abazadde be balagira yunivasite ki gy’olina okuyingira n’omulimu gwe balina okukuguka. Maama musawo. Ekyo kitegeeza nti naawe olina okugenda mu busawo. Era si kikulu nti by’oyagala biri ku nnyonyi ey’enjawulo. Banmenya, ne bamalamu amaanyi okwagala okwetegeera, era ne banziba emyaka 5 egy’obulamu bwange. Tuyigirizibwa okuba abatalaba bitono.

Enkola y’okutendeka yennyini tekyukakyuka

Ng’ekyokulabirako, obutafaananako ssomero lya Isirayiri, buli muyizi mw’alonda amasomo agamunyumira okukuguka. Era tubonaabona olw’obulungi bw’ekikuta ekitaliiko mugaso okumala emyaka 5. Okugeza, sirina kye mmanyi dipulooma yange gy’eri. Ekiddako – omulimu ogutayagala okuva ku musaala okutuuka ku musaala. Tewali nfuna ya passive. A vicious circle that is difficult to break: 5/8 emirimu, looni, obutaba na maanyi na ssente, amabanja, okukola okusasula amabanja. Gavumenti etukaka looni mu ngeri yonna esoboka. Omugugu gw’amabanja g’abantu mu Russia Federation guli kumpi ebitundu 50%. Buli muntu owookubiri asibiddwa.

Era tutereka nga tuyita mu mmana

Omuzigo gwa buseere – mazima ddala waliwo okuzimba ebweru w’eddirisa. Obusimu okugwa, obuteebaka, obutaba na maanyi ga kukola kintu kyonna ku makya. Emmere ey’amangu eya layisi – obutwa n’eddagala. Obulamu obufiiriddwa, obudde, ssente.

Okutereka si kuggya bintu ebisinga obubi mu bulamu. It’s about okwegaana ekisinga obubi leero, mu myaka 5 oleme kwegaana ekisinga obulungi.

Kyusa emirimu. Yiga by’oloota ng’okyali mwana muto. Leka omulimu gwo ogwokubiri, era mu Russian Federation mulimu ebitundu ebituuka ku 30%, okusobola okusumulula obudde okwetereeza. Teeka ssente 2k rubles mu migabo. Omwezi ogujja 4k. Zino ssente ezisitula. Era ekiseera bwe kinaagenda kiyitawo, omutto gw’ebyensimbi gujja kutondebwawo. Era kiki ekiyinza okuwa obwesige obusingawo bwe kiba nga si akawunti nnywevu ku kaadi oba akawunti ya brokerage? Tobeera na luwummula lwa wansi ku wiikendi. Kozesa bulungi ebiseera byo eby’eddembe! Towaayo wadde akatono ku mikisa egikujjira. Buli omu azirina.

Ekisinga obubi ekiyinza okubaawo kwe kusigala mu mmana emirembe gyonna n’osindika abaana bo mu kkubo lye limu mu bulamu. Okukozesa ensengeka n’amateeka ge gamu.

Nja kwongerako ku lwange: Ddala twayigirizibwa okubeera mu mmana okuva mu buto, naye tekikwetaagisa kumala bulamu bwaffe bwonna mu yo. Weesabe nga kabaka, n’abo abakwetoolodde ng’abaddu. Ndi musanyufu nti ntuusa okutegeera mu bantu abangi. Obumanyirivu mu by’ensimbi mu bantu bukendeera okuva omwaka ku mwaka, kino katukitereeze n’ekitala ky’okumanya opexbota. Ebyavudde mu kunoonyereza kwe kuba nti weetwala ng’omuntu amanyi eby’ensimbi ng’ebitundu ku kikumi ku muwendo gwonna:

Ebibuuzo by’okusoma eby’ensimbi ebikwata ku ndowooza ku ssente

Abasabiriza basaba obwavu bwabwe bukakasibwe

Wali weebuuzizza lwaki abagagga beeyongera okugaggawala, ate abaavu tebasobola kusimattuka kibuyaga w’obwavu? Emu ku nsonga eno yannyonnyolwa Richard Thaler era n’agiyita “initial wealth effect.” Bw’oba ​​oyagala emboozi empanvu ku ssomero, laba akatabo “Ebirowoozo Ebikulu mu Nsi y’Ebyensimbi.” Enkulaakulana”: Peter Bernstein. Ku abo abaagala retellings ennyimpi, nja kwogera essence. Richard Thaler yakola okugezesa okugezesa obutaba na ndowooza etakyukakyuka mu by’ensimbi. Yayise ekibinja ky’abayizi okukuba akafaananyi nti buli omu ku bo yawangula doola 30. Olwo waliwo engeri bbiri: okusuula ekinusu era okusinziira ku oba kijja waggulu emitwe oba emikira, ofune ebisingawo oba okuwa 9.00. Oba tokyusakyusa ssente n’akatono. Ebitundu 70% ku bayizi baasazeewo okusuula ekinusu.
Enkeera, Thaler yayanjula abayizi embeera eno. Kapito waabwe asooka kuba ziro, era londa emu ku ngeri zino wammanga: ssuka ekinusu ofune ddoola 39 singa egwa ku mitwe, oba ddoola 21 singa egwa ku mikira. Oba togiwaayo era okakasiddwa okufuna doola 30. Abayizi 43% bokka be bakkirizza okuteeka mu kabi okusuula, abasigadde ne baagala obuwanguzi obukakafu.
Ensonga eri nti ekivaamu ku nkomerero kye kimu .Oba otandikira ku doola 30 oba okuva ku ziro, obuwanguzi obuyinza okubaawo buli mulundi gwawukana ku ssente ezikakasiddwa. Naye abayizi balaga bye baagala eby’enjawulo, bwe batyo ne balaga obutakyukakyuka. Thaler obutakwatagana buno yabuyise “initial wealth effect.” Bw’oba ​​olina ssente mu nsawo, otera okutwala akabi. Bwe kiba nga njereere, olwo wandiyagadde okutwala 30 USD nga olina omusingo, okusinga okuzannya mu bulabe bw’okufuna 21 USD. Era kino si kya abstraction. Mu nsi entuufu, ekikolwa kino si kya mugaso mutono. Era si mu by’ensimbi byokka.

Ku baavu, obwavu obutebenkevu obw’ekiseera ekiwanvu buli kumpi okusinga “akabi” ak’okugaggawala, naye era n’okufiirwa ssente emu. Waliwo okwagala okw’amaanyi okukuuma okusinga okwongera, wadde nga waliwo akabi akaliwo. Kino kikontana n’ensonga, naye okutya tekwebaka.

Naye si buli kimu nti tekirina ssuubi bwe lityo. Okumanya ekizibu kino kitundu kya kukigonjoola. Bw’okitunuulira n’obwegendereza, kino si wadde ekizibu, wabula kifaananyi ky’okulowooza. Mu nkola zino ez’obutonde mwe twetaaga okumenyawo.

Ebiruubirirwa bitaano eby’ensimbi by’olina okuteekawo n’okutuukiriza nga tonnaweza myaka 40

Okwongera okutebenkera mu by’ensimbi

Okwewala okubula mu mabanja n’okufuula ssente zo okukukolera so si kifuulannenge, olina okumala akaseera ng’oyiga ku by’ensimbi.

Tonda ensawo y’okutereka/omutto gw’ebyensimbi

Abakugu mu by’ensimbi abasinga bagamba nti ensawo yo ey’amangu erina okusasula waakiri emyezi 3 egy’obulamu. Enswa enzirugavu oluusi zibuuka bbiri bbiri.

Weetondere okusoomoozebwa era otuuke ku bivaamu

Mubeere n’obukadde 1 mu nsawo. Soma ekitabo 1 ekikwata ku by’ensimbi buli wiiki okumala omwaka mulamba. Lekera awo okunywa sigala…Yee, yee, si bya bulamu byokka, wabula n’ebyensimbi.

Funa ebizimbe byo, mmotoka, lambula ebizinga ebiri ewala, genda mu kivvulu kya Sting, gula pug

Nga otuuse ku mbeera ennungi mu by’ensimbi, tuukiriza ekirooto kyo. Ebimu ku by’otereka by’ofuna bikozese ku mulimu oba mu kusuubula. Eno y’engeri yokka obwongo gye butegeera nti buli kimu si kya bwereere. Okuddamu okuteeka buli kimu mu pulojekiti empya, emigabo, bizinensi kirungi. Naye era olina okwesanyusa.

Kola olukalala lw’ebintu ebikusanyusa ddala

Ebibalo biraga nti si bonna abalina obukadde n’obukadde nti basanyufu. Ebimu byaggwa mu nnaku nnyo. Osobola okuba ne ssente zonna mu nsi n’omulimu omulungi, naye n’osigala nga tolina ssanyu. Ssente kikozesebwa kyokka. Era buli muntu alina olukalala lwe olw’essanyu. Kiwandiike era yanguwa okutuuka ku kyo.

Basasula kitono – omukyala nags, nnyazaala akuba, banka akubira, omwana akaaba

Aba Russia abasinga obungi (77% ku baabuuziddwa) si bamativu n’omulimu gwe balina kati ddala olw’omusaala omutono. Si nzirukanya, si ssuubi ly’okukulaakulana, wabula enyingiza. Ka tulabe omulimu ng’omudaali, nga ku buli ludda waliwo enkola bbiri ez’okugonjoola ensonga y’okufuna ssente entono.

Oludda olusooka: okwongera ku nnyingiza ekola

Wano waliwo engeri zino wammanga: – Okwongera omusaala ng’oyita mu kukuzibwa, ng’oyita mu mirimu emirala, oba ng’oyita mu bivuddemu. Buli emu ku nkola zino yeetaaga omulimu ogw’okwetegekera. Tomala gakuzibwa ku kifo – olina okukulaakulanya obukugu, oba okuba ow’oluganda. Olina okutwala emirimu emirala singa tegikumalako. Naye si bakama bonna nti baagala ebyavaamu. — Okunoonya omulimu mu ngeri y’emu, naye ng’ofuna ssente nnyingi. HeadHunter mu ngalo/ebisumuluzo.

Oludda olwokubiri: okuvaamu ssente ezitakola (passive income).

Nga tulina omusaala oguliwo kati ate nga tolina kutereka kwonna ku buli kimu. Era kisoboka. Olina okukola mpolampola oleme kwokya n’okwokya. Okwanguwa kirungi ku kukwata ensekere zokka. Teeka ebitundu ebitasukka 15% ku nsimbi zo ezikola mu kuteeka ssente n’okusuubula. Kuŋŋaanya ekifo kya sitooka/bondi eky’akabi akatono. Kiba kirungi okusuubula ku ssente entono. Dave Ramsey: “Abawanguzi mu by’ensimbi tebadduka misinde gya sprint, badduka emisinde gya marathon. Tebali mu bwangu bwonna. Bakikola mpolampola.”

Etteeka lya 70/30 mu by’ensimbi

Abagagga basaasaanya kitono ku by’okwejalabya ​​(Bill Gates kyakulabirako kya kino). Abagagga beeyongera okugaggawala ate abaavu ne beeyongera obwavu. Omugagga awangula akalulu ateeka ssente;omuntu omwavu ayolekedde okumaliriza nga talina kintu nate. Ebitundu 70% ku buwanguzi mu by’ensimbi bisinziira ku mize emituufu egy’okusaasaanya ssente ate 30% zokka ku mize emituufu egy’okuteeka ssente.Ka tugeraageranya abantu babiri abateeka ddoola 500 buli mwezi era bombi ne bafuna ssente ez’omulundi gumu ezitasuubirwa eza doola 100,000 ng’obusika. Esooka egenda mu maaso n’okuteeka ddoola 500 buli mwezi n’etwala Land Cruiser ku ddoola emitwalo 100, ate eyookubiri eteeka ddoola emitwalo 100 ne ddoola 500 buli mwezi. Oluvannyuma lw’emyaka 30, esooka ejja kuba ne doola nga 588,000. Era eyookubiri yandibadde ne $1,350,000 mu ssente za leero… enjawulo ya 750k mu ngeri entuufu olw’obuwangwa obutuufu obw’okukozesa n’obukadde obusukka mu 1 singa tetufaayo ku bbeeyi y’ebintu!

Ebibuuzo ebikwata ku by’ensimbi ebikwata ku mbalirira ne airbags

Teeka, kuuma era yongera ku by’ensimbi byo mu kiseera kino

Nasanga ebibalo: mu 2023, 75% ku Bannarussia baatandika okukekkereza ku nsaasaanya. 13% bakekkereza ku catering, 12% mu luwummula, ku mmere – 9%, engoye, engatto – 9%, saluuni za beauty – 8%. Kiki ekirala ky’oyinza okukola amangu olw’okubeera obulungi mu by’ensimbi? Londa era okole.

Goba ensaasaanya “entono”.

Ennyumba ya kaawa? Okutambula mu takisi? Emmere ey’amangu? Buli kintu kirina eky’okuddako ekivaamu amagoba era eky’omugaso. Obugaali ngeri nnungi nnyo ey’entambula. Yanguwa, ya bwereere, kirungi nnyo! Bala ssente ezisaasaanyizibwa mu kugula oba okupangisa sikulaapu/obugaali. Era bwe kiba ku bbanja, kijja kusasula ssente mmeka? Si kituufu nti kipya. Kino okilowoozaako n’okukirowoozaako? Okwetegereza ebintu ng’ebyo kijja kukusembereza dda nnyo ebiruubirirwa byo eby’ebyensimbi.

Round up ensaasaanya ku kaadi

Bbalansi zikyusibwa butereevu ne ziteekebwa mu tterekero ku magoba.

Kola olukalala lw’ebintu by’ogenda okugula “ku lubalama lw’ennyanja”

“Emisolo giteeke mu ssefuliya”

Empuliziganya, Intaneeti, okuwandiika okusasulwa. Lemesa okuwandiika okuteetaagisa ku ssimu yo ne ttivvi yo.

Tobuusa maaso pulogulaamu za bonus ne cashback

Kumpi buli dduuka liwa bakasitoma ebisaanyizo. Togayaavu okumanya ebibakwatako.

Tandika okuteeka ssente mu biseera eby’omu maaso kati

Mu by’enjigiriza, okumanya, okugabana. Mu kifo ky’emikutu gy’empuliziganya ne ttivvi, soma ekitabo, soma amawulire ag’omugaso, ggulawo akawunti ya brokerage, yiga obukugu obupya.

Tandika okukola ssente ezitakola (passive income).

Osobola okuteeka ssente okuva ku 1-5k rubles mu migabo gya “ blue chips ” ezimu nga zirina obusobozi obulungi obw’okukula n’amagoba.

Manya okuggyibwako omusolo kye ki, mpozzi olina eddembe okugufuna?

Okulongoosa okusoma n’okuwandiika eby’ensimbi

Ggwe, abaagalwa bo n’abaana bo.

Waliwo engeri bbiri ez’okulongoosaamu embeera yo ey’ebyensimbi: okusaasaanya ssente entono oba okufuna ssente ennyingi. Era kisingako n’okugatta.

Ebibuuzo ebikwata ku by’ensimbi ebikwata ku nsimbi eziteekebwamu n’okutereka

Ensimbi eziteekeddwamu zirina okukukolera, so si ggwe okukolera ku lw’obulungi bw’okusiga ensimbi

Lwaki omuntu yeetaaga enteekateeka y’okusiga ensimbi ey’obuntu? Nga bwe ndaba, okusobola okuzimba bbalansi ennungi wakati w’embeera y’ebyensimbi leero n’ey’omu maaso. Era enteekateeka y’okusiga ensimbi yeetaaga okuzimbibwa mu ngeri ey’amagezi era ey’obuntu okutuukana n’embeera yo ey’eby’omwoyo. Okukufuula omusanyufu ggwe kennyini! Ebintu bibiri ebisukkiridde by’otolina kugendako.

Dayimanda ezitabalika mu mpuku z’amayinja

Okuteeka ssente si nkomerero ku bwakyo, wabula ngeri y’okubeera n’obulamu obw’omutindo ogwa waggulu ku myaka ng’obwangu bw’okulowooza n’obusobozi bw’omubiri tebikusobozesa kufuna ssente ng’oyita mu nkola ezikola.

Naye eno si nsonga ya kubeera bubi mu kiseera kino, okwongezaayo byonna ebirungi olw’obukadde obw’obukwakkulizo. Okuteeka ssente mu bizinensi kulina okuba nga kweyagaza era nga kwa nsaamusaamu.

Bwe kitaba ekyo kijja kuba nga mu mboozi: “Obulo bukungula. Omukyala yalagira obulo obwabadde butandise okuvunda buliibwa buleme kugenda mu maaso. Obulo obuvunze bwe buliibwa, obulungi butandika okuvunda. Ku nkomerero, baalyanga ebyo byokka ebivundu.” Olina okubeera wano ne kati. Naye y’okubeera omulamu, so si kwokya ddalu.

Yalya, yatambula n’okusanyuka, naye nga teyeeteekamu ssente

Naye okubeera olunaku lumu ku lumu ddalu. Era tulina okufaayo ku biseera eby’omu maaso leero, nga tukyalina omukisa. Tonywa bidomola bya bbiya 10, tolya hot dog 10, togula ssimu ya mulembe. Kino si kikwata ku bukwakkulizo. Era ku by’okusiga ensimbi mu ngeri ey’amagezi. Waliwo olugero lwa Krylov oluyitibwa “The Dragonfly and the Ant” olukwata ku basaasaanya ssente n’abayokya. Nze nkuwa amagezi okugisoma si ku baana bokka. “Ekiwuka ekiyitibwa Jumping Dragonfly kyayimba mu kyeya ekimyufu; Saafuna budde kutunula mabega ng’obudde obw’obutiti bunyirira mu maaso. Ennimiro ennongoofu efudde; Tewakyali nnaku za musana, anti wansi wa buli lupapula emmeeza n’ennyumba byombi byali byetegefu. Buli kimu kiyiseewo: n’obutiti obunnyogovu, Obwetaavu, enjala ejja…”

Buli muntu alina bbalansi ye

Waliwo abantu abanyumirwa okukuŋŋaanya ebintu. N’ekyavaamu, basobola bulungi okutereka n’okuteeka ssente. Waliwo omutendera ogwokubiri, abo abanyumirwa bye basaasaanya. Kizibu gye bali okutaasa. Beeteeka mu nneewulira era ani alina eddembe okubanenya?

Okumanya eby’ensimbi ebitundu 20% kumanya ebikozesebwa n’obukodyo ate 80% kusobola okwetegeera, by’oyagala n’ebyetaago byo kati ne mu bbanga eggwanvu.

Wa okuteeka ssente mu magezi era nga tolina busimu mu buzibu – amagoba gajja kukugamba

Engeri y’okukubamu ebbeeyi y’ebintu – essomo ery’omulembe ku kusoma eby’ensimbi okuva mu opexbota. Kizibu okusinga ebbeeyi y’ebintu, naye ka tugezeeko. Oba waakiri break even. Yee, bwe kityo ne kiba nga tekirina bulabe bwonna. Kale, ebbeeyi y’ebintu ku nkomerero ya 2022 yali 12%.

Bonds

10-14% amakungula. Waliwo engeri obulabe gye bujja okuba obw’ekigero. Yannyonnyodde lwaki okuteeka ssente mu bondi kisinga okutwala ssente mu bbanka. Sijja kweddiŋŋana.

” Blue chips ” – emigabo gy’omutendera ogusooka mu Russia Federation

Mu bbanga eggwanvu, kkampuni nnyingi zikula buli lukya. Abakulembeze mu nkulaakulana mu mwaka Sber +92%; MTS +40%, era nga 100%; NOVATEK + ebitundu 25%; Tatneft +9% nga bano. Ebisingawo wano . Era ba diva abawanvu basasula. Omwaka guno ba diva basasudde, oba bagenda kusasula, Sberbank, Beluga Group, NOVATEK n’abalala. Naye waliwo n’ebyokulabirako ebikontana: okugwa. Okukyusakyusa ebintu mu ngeri ey’enjawulo kyetaagisa. Okuzimba portfolio mu magezi mulimu muzibu eri omutandisi. Bw’oba ​​tolina budde kukizuula, olwo:

Mutual funds ne ETFs – ebifo ebyetegefu

Kikusobozesa okuteeka ssente entonotono. Okugeza, bw’ogula omugabo mu nsawo ya mutual investment ekwatagana n’omuwendo gwa Moscow Exchange index, amangu ago ojja kuteeka ssente mu migabo gyonna egya kkampuni za Russia ezikulembedde. Bonus: okulonda okugazi, okwesigika, okuggyibwako omusolo. Amagoba gayinza okutuuka ku bitundu 20-30% buli mwaka. Amawulire gali mu lujjudde.

Ezaabu

13.26% return mu mwaka oguwedde. Enkola ekola ku nsimbi eziteekebwamu okumala ebbanga eddene. Emyaka bwe gigenda giyitawo, bbeeyi y’ekyuma eky’omuwendo yeeyongera yokka, era mu biseera eby’obuzibu, okukula kweyongera mangu. Well, okutunda/okuwanyisiganya zaabu kikuyamba okuwangaala mu mbeera enzibu.

Kye siyinza kuteesa

1. Okutereka ssente . 8-10% buli mwaka. Ebbeeyi y’ebintu ejja kuwangula. Mu kiseera kino tewali bitereke mu Russia byandisukkulumye ku bbeeyi y’ebintu mu bitundu ku kikumi. Era obuzibu bwa bbanka tebunnasazibwamu. Dummy capsules nazo osobola okuzisanga mu Russian Federation.
2. Ssente enkalu . 0% buli mwaka. Ssente zirina okukola. Wansi w’omufaliso, ssente enkalu zigenda zikendeera olw’ebbeeyi y’ebintu buli lunaku. Era basobola n’oku “gobbled up” abaana, “ebyagala” ebitasuubirwa era ebyetaagisa ennyo, oba ababbi. Wabeewo ssente enkalu, naye ng’omutto gw’ebyensimbi gw’osobola okufuna amangu ddala.
3. Ebizimbe n’ettaka kwe kutebenkera. Okusiga ensimbi mu by’amayumba kye kimu ku bikozesebwa ebisinga obukuumi ebiriwo ennaku zino. Naye si ku kapito yenna.

https://youtu.be/0MRATvTlwPI?si=LQ2KHJyuHVkQwUuj Omuntu w’abantu

Obukuumi bw’ensimbi mu mbeera enzibu: enteekateeka ennungi era etegeerekeka

1. Ensawo y’empewo . Obukuumi si bwa ssente, wabula bwa maka. Tetugikwatako, mu mbeera zokka nga tetusobola obutagikwatako.
2. Akatimba k’obukuumi mu by’ensimbi . Ekitundu kya ssente bulijjo kirina okuba mu cache okusobola okugula ssente eziggyiddwa.
3. Emiwendo tegiyinza kukka ku ziro yokka, naye ne ku minus . Omutto tugukozesa mu bitundutundu tuleme kuluma bikoona byaffe ng’emigabo gigudde ekitundu, nga gimaze okugwa ekitundu.
4. Tewali kutambula kwa mangu . Ebiseera ebisinga enswa zonna enjeru zituuka mu biseera ebitali bya kusuubula. Era bwe kiba nga kya kusuubula, olwo ffulaayi ziggalwa mangu nnyo. N’olwekyo bw’oba ​​oteeka ssente mu bbanga eggwanvu, olina okuva mu sitoowa ng’ekisembayo. Ojja kutegeera ddi, naye okusinga ojja kwagala okugula ebisingawo n’okola average y’ekifo.
5. Waliwo enkola bwetyo nti omutto gw’ebyensimbi guli mu bondi ennyimpi . Era ogula ebisingawo omulundi gumu gwokka buli luvannyuma lwa myezi 3-6. Kino kisobozesa obutakola ntambula eziteetaagisa, oba okuyingira ku bukwakkulizo obulungi.
6. Tewerabira okukozesa empeereza y’ebibalo okulaba ensaasaanya y’obukadde ku Tinkoff . Kifumiitiriza nnyo okuva mu bikolwa ebiteetaagisa. Bwe kitaba ekyo, kozesa futures, ggalawo trades zo ekiro era weebaka bulungi.

Wa okuteeka ssente entono: okuteeka ssente 10,000, 20,000, 30,000 rubles

Ebibuuzo by’okusoma eby’ensimbi ebikwata ku kwewola

Nga tonnaba kwewola: kebera akabi, emigaso n’obusobozi bwo

MUGASO! Amateeka ge ngoberera mu mbeera yonna etategeerekeka!

Yimirirako olowooze ku bikolwa by’oyinza okukola kati okwewala okugwa mu buzibu mu bbanga eritali ly’ewala oba ery’ewala n’okutereeza embeera yo. Faayo ku psyche yo, tolondoola bintu bya yintaneeti buli ddakiika. Oluyoogaano lw’amawulire luzibikira bwongo bwokka era ne lutaataaganya okulowooza okumala. Tofera baana bo. Embeera ejja kuggwaawo, obuvune bujja kusigalawo.

Ssente enkalu eziterekeddwa

Ekyasa eky’amakumi abiri mu kimu, okusasula awatali kukwatagana – buli kimu kirungi nnyo. Naye tezijja kukuyamba kugula bintu bikozesebwa oba okusasula takisi mu kibuga ky’otomanyi ekiro nga kaadi yo tekkirizibwa mu bwangu. Naye era toggya buli kimu ku kaadi. Ssente enkalu ezisukkiridde mu nsawo zo mu mbeera ng’eno nazo si nnungi.

Okugaba amazzi n’emmere okumala ennaku eziwera

Embeera eyinza okubaawo ng’otayagala kuva mu nnyumba. Era okutuusa ebintu okuva ku nnyumba ku nnyumba tekujja kukola. Tuggyayo emmere ey’empeke, ebintu eby’omu mikebe, n’emmere etegekeddwa mu firiiza ne tutuula awaka, nga tetulina bulabe.

Ttanka ya petulooli ejjudde, bbanka y’amasannyalaze eriko chajingi – ettaala – essimu…

Bwe wabaawo ebifo w’osobola okukung’aanya amaanyi, olwo kiba kirungi kino okukikola nga bukyali. Era si lwakuba nti amaanyi gano tegajja kubaawo oluvannyuma, wabula gajja kubaawo nga buli omu atandise okugakung’aanya mu bwangu. Buli kitundu mu bulamu bwaffe kyesigamiziddwa ku bbalansi. Obutakwatagana obutonotono butikka enkola, ennyiriri n’okucamuka bitandika, era tewakyali bimala buli muntu. Mu kiseera kino, omala kutuula waka n’olaba ebigenda mu maaso okutuusa nga buli kimu kidda mu mbeera eya bulijjo.

“Ekebe ya alamu”.

Kiteekwa okubaamu: ebiwandiiko, ssente, ekitabo ky’obujjanjabi obusookerwako, amazzi n’emmere okumala ennaku ssatu, emmere y’abaana, bwe kiba kyetaagisa. Bw’oba ​​weetaaga okuva mu maka go mu bwangu era n’osobola okukwata ekintu kimu, kinaaba ki?

Ekifo we bakung’aanya n’amasimu

Mu butuufu, kino nze kennyini sinnakitegeera mu bujjuvu. Naye nkimanyi nti bazadde bange ne mukyala bange ennamba y’essimu yange bagimanyi ku mutwe. Omwana bw’anaakula, era ajja kumanya bulungi endagiriro, ennamba y’essimu + akawandiiko akaliko kino mu ngoye ze.

Tewali bikozesebwa okumala omwaka mulamba

Emisinde bwe gitandika, buli omu atandika okusika buli ky’alaba ku bishalofu. Tosobola kutereka bulamu bwo bwonna. Okugabirira kwetaagibwa okumala wiiki emu, okutuusa ng’embeera etegeerekeka bulungi era nga buli kimu kidda mu mbeera eya bulijjo. Era kikulu embeera bw’eba yeeyoleka bulungi, okugeza, kyeyoleka bulungi nti tewali na kimu ku bino kyali kya mugaso. Wabeewo ekirowoozo: “kirungi nti bino byonna tebirina mugaso kati, tebijja kugenda mu maaso, ndi mukulu,” so si: “Omg! Wamma, kyali kyetaagisa okugula bino byonna mu kifu era wa we tubiteeka byonna.”

Funda, crypto n’ebirala ebitaliimu nsa

Ekisinga okuba eky’omuwendo bwe bulamu n’obulamu bw’amaka. Ebirala byonna biba bait. Well, it’s clear nti abaali mu ssente z’ebweru kati bakkakkamu. Akatale bwe kagwa, olwo kagule. Singa akula…lwaki yandikuze kati? Togula rubles ku 120, tolongoosa account yo eya brokerage buli ddakiika. Okuggya enkomerero okuva mu buli kimu ekiwandiikiddwa: singa ekibiina ky’abantu kiba nga waliwo we baddukira, olwo kyandibadde kirungi okuteebereza nga bukyali n’obeerawo olunaku lumu nga bukyali. Kiba ng’okutuuka ku mulimu ng’ebula eddakiika kkumi na ttaano akalippagano k’ebidduka. Yee, kino kisookera ddala essaawa nga emu okusinga abalala bonna, naye eno ssaawa yonna ey’okukola, mu kifo ky’okuyimirira mu jjaamu n’okwokya obusimu ne petulooli. Weerabirire wekka!