Kuyika ndalama mu ma bond ku Russia 2024: zomwe oyamba kumene ayenera kudziwa

Nkhaniyi idapangidwa potengera zolemba zambiri kuchokera ku  njira ya Telegraph ya OpexBot , yowonjezeredwa ndi masomphenya a wolemba komanso malingaliro a AI. Ndalama zomangira mu Russian Federation 2024: pulogalamu yayifupi yamaphunziro, komanso lingaliro la wolemba chifukwa chake madipoziti ndi oyipa kuposa zomangira zomwe zikuchitika masiku ano.

Kuyika ndalama mu bond

Kuyika ndalama mu ma bond (ma bond) ku Russia ndi chimodzi mwazinthu zodziwika bwino zopangira ndalama komanso kusiyanitsa mbiri. Mabondi ndi zida zandalama zomwe zimaperekedwa ndi boma kapena mabungwe kuti akweze ndalama kwa nthawi yodziwika.

Wobwereketsayo amakhala wobwereketsa ndipo amalandira chiwongola dzanja munjira yolipira makuponi nthawi yonse ya ngongoleyo.

[id id mawu = “attach_17050” align = “aligncenter” wide = “730”] Ubwino ndi kuipa kwa ma bond[/caption] Mukayika ndalama m’ma bond ku Russia, pali zinthu zingapo zofunika kuziganizira. Choyamba, ndi bwino kupenda creditworthiness wa wopereka. Izi zikuphatikizapo kusanthula kukhazikika kwachuma kwa woperekayo ndi mavoti. Kuchuluka kwa mlingo, kumachepetsa chiopsezo cha kusabwereranso pa ndalama. Chachiwiri, zokolola za bond ziyenera kuyesedwa. Ndalama za kuponi ndiye gwero lalikulu la ndalama kuchokera pakuyika ndalama zama bond. Kukula kwa malipiro a makuponi kumatengera mtengo wa bondi, chiwongola dzanja ndi kuchuluka kwa malipiro. Ndikofunikira kufananiza zobweza zomwe zikuyembekezeka kuchokera ku ma bond ndi mwayi wina wopezeka pamsika ndikusankha mwanzeru. Chinthu chachitatu choyenera kuganizira ndi kuchuluka kwa ma bond. Liquidity imatsimikizira kuthekera kogulitsa mwachangu chomangira popanda kutayika kwakukulu. Ma bond okhala ndi malonda apamwamba amapereka ndalama zambiri komanso amawonjezera mwayi womaliza bwino ntchitoyo. Pomaliza, ndikofunikira kuyang’anira kusintha kwachuma ndi ndale ku Russia, chifukwa kumatha kukhudza kwambiri mitengo yama bondi. Kusakhazikika pazandale kapena kusayenda bwino kwachuma kungasokoneze malingaliro a msika pa ngozi ndikupangitsa mitengo ya bondi kutsika. Kuphatikiza apo, tikulimbikitsidwa kukaonana ndi alangizi azachuma kapena osunga ndalama akatswiri kuti mupeze upangiri watsatanetsatane komanso waumwini pazambiri zama bondi ku Russia. Akhoza kuganizira zolinga zanu zachuma, kulolerana ndi zoopsa ndi zina zomwe zingakuthandizeni kupanga chisankho choyenera. Komwe mungagule ma bond mu terminal ya Kwik – chitsanzo chogwiritsa ntchito mawonekedwe[/caption]

Simungapange ndalama pamadipoziti, koma pali njira yotsika mtengo: ma bond

Lingaliro langa: muyenera kukhala openga kuti mutsegule ndalama kwa chaka, 5 kapena 10 zaka. Makamaka mu rubles. Ndikukuuzaninso momwe mungawonjezere zokolola za bond.

Pansi pa chiwopsezo cha inflation: izi ndi momwe mungapangire “kupeza” pa deposit ku Russia

Kutsika kwa mitengo mu Russian Federation kumapeto kwa 2022 kunali 12%. Mitengo yabwino pa madipoziti akanthawi kochepa (miyezi 6) mpaka 10% pachaka. Mitengo yabwino pamadipoziti anthawi yayitali (miyezi 12 kapena kupitilira apo) ndi 7-9%. Ndipo kuchotsa ndalama msanga sikutheka popanda kutaya chiwongoladzanja chomwe wapeza. Ndipo mkangano wina wotsutsa: msonkho wa msonkho pa chiwongoladzanja pa madipoziti ndi 13%.

Njira ina kwa aliyense: kuyika ndalama mu ma bond

Ma bond ndi abwino kwa osunga ndalama. Izi ndi zotetezedwa kwa nthawi yayitali. Ma bond aboma, ndiye ma bondi amakampani akuluakulu aboma ndi makampani akuluakulu azibizinesi ndi odalirika kwambiri. Mgwirizano ukakhala wodalirika komanso kuchuluka kwake, ndalama zake zimachepa. Zomangira zokhala ndi chiwopsezo chochulukirachulukira zimapereka phindu lalikulu. Zomangira zodalirika zimapereka zokolola za coupon 12-14%. Zomwe ndi zapamwamba kuposa gawo. Pang’ono, koma apamwamba kuposa inflation. Ubwino waukulu wa zomangira: zokolola ndi apamwamba kuposa madipoziti. Komanso:

1. Aliyense wamkulu wokhala ku Russia akhoza kuyika ndalama mu bonds.
2. Mtengo wotsika kwambiri – ma ruble 600-1000.
3. Powonjezera ma bond, wogulitsa ndalama poyamba amadziwa kuti adzalandira zingati pamapeto.
4. Ma bond amatha kugulitsidwa nthawi iliyonse osataya chiwongola dzanja chomwe mwapeza.
5. Diversification – mutha kugula zomangira kuchokera kumakampani ambiri osiyanasiyana. Kuchokera ku OFZ kupita ku ma bond owopsa okhala ndi chiwopsezo chapakati. Mwachitsanzo, 75 mpaka 25% muzogulitsa ndalama.

Finhack: kuonjezera zokolola za bond

Tsegulani akaunti yanu yandalama. Pezani ndalama pazogulitsa ndikulandila + 13% kuchokera ku boma pamtengo womwe wayikidwa ku IIS *. Palibe chinyengo, kungogwira dzanja. * Pali kusiyana. Malipiro mpaka ma ruble 400,000. Zimatenga zaka zosachepera 3. Ndipo nthawi yonseyi ndalamazo zazizira. Ndiye kuti, zokolola ndi 13/3 + 13/2 + 13%. ✔Monga gawo la ndalama zanthawi yayitali, m’malo mosungitsa ndalama, ndimawonjezera ma bond ndi chiyembekezo chopeza ndalama zaka 10-20. Pafupifupi 25% ya securities portfolio. Zomangira zambiri zimatanthawuza kuti chiopsezo chochepa, ndipo mosiyana. Sikuti zomangira zonse zimapangidwa mofanana . Ma bond kwa oyamba kumene: momwe mungapezere ndalama, phindu, makuponi, mitundu yama bond: https://youtu.be/Fk1QrZmE9KM

Chifukwa chiyani kuli bwino kulowetsa ma bond pamene mtengo wofunikira ukukwera?

Kodi kubetcha kofunikira kwa ife ndi chiyani, kumatikhudza bwanji? Mlingo wofunikira ndi chiwongola dzanja chochepa chomwe Banki Yaikulu imabwereketsa mabanki ena a Russian Federation, ndi omwenso, kwa nzika ndi mabizinesi. Zomwe zimakhudza msika wonse.

Ngongole ndi madipoziti

Ngati mtengo ukukwera, zomwe ndizomwe akatswiri amayembekezera, ndiye kuti ngongole zimakhala zokwera mtengo kwa anthu ndi makampani. Kwa ife, mpaka 8%. ⬇ Kukweza mitengoyo kumapangitsa kuti ruble ikhale yokwera mtengo, kukwera kwa mitengo komanso kutsika kwachuma. ⬇ Anthu amawononga ndalama zochepa, amatenga ngongole zochepa: zosapindulitsa. Msika wobwereketsa nyumba ukugwa, ngongole zamagalimoto ndi ngongole za ogula sizikupezeka.

Ndikopindulitsa kwambiri kusunga ndalama pa madipoziti

Mtengowo umatsimikizira kuchuluka kwa ndalama zomwe zingasungidwe. Bizinesi ikuvutika, zizindikiro zachuma zimagwa. Makampani omwe ali ndi ngongole komanso osapindulitsa ali m’malo owopsa apadera. Palibe ndalama zotsika mtengo, ndipo kubweza ngongole sikungapindule. Kutsegula bizinesi yatsopano kumakhala kovuta kwambiri.

Mabondi

Mitengo ikakwera, ma bondi atsopano a boma amakhala ndi zokolola zambiri. Kukopa kwa ma bond omwe adatulutsidwa kale kumachepa, monganso mtengo wake. Chifukwa chake, RGBI imatsika ndi 1.6% pamwezi. Mitengo imatsika, zokolola zimakwera. Mitengo yama bond aboma yakwera mwezi watha. Mwachitsanzo, pachaka kuchokera 9.3% mpaka 10.2%. https://youtube.com/shorts/ali067TZe9o?feature=share

Stock

Ngongole zikuchulukirachulukira, mabizinesi akuyika ndalama zochepa pachitukuko. Magawo akutaya ndalama. Pali kutuluka kwa ndalama zopita ku zida zopanda chiopsezo – ma bond ndi madipoziti.

Ndiye nditani?

Sitichita mantha; mtengo wofunikira ukakwera, timagula ma bond aboma akanthawi kochepa komanso apakati kuti tithe kugula zinthu zopindulitsa nthawi ina ikadzakwera. Sititenga ngongole, tikhoza kutenga madipoziti.