Komwe mungasungire ndalama mu 2024 kwa Investor novice: pang’ono komanso chidziwitso chochepa

Nkhaniyi idapangidwa potengera zolemba zambiri kuchokera ku  njira ya Telegraph ya OpexBot , yowonjezeredwa ndi masomphenya a wolemba komanso malingaliro a AI. Kumene ku Russia woyambitsa ndalama woyambira akhoza kuyika ndalama mu 2024: zochepa komanso chidziwitso chochepa.

Komwe mungasungire ndalama mwanzeru komanso popanda misempha panthawi yamavuto mu 2024 – ngakhale woyamba atha kutero, maperesenti angakuuzeni

Ndizovuta kupitilira kukwera kwa inflation, koma tiyeni tiyese. Kapena kuswa ngakhale. Inde, kotero kuti ndizotetezeka. Chifukwa chake, kukwera kwamitengo kumapeto kwa 2022 kunali 12%.

Mabondi

10-14% zokolola. Pali zosankha zomwe zoopsa zidzakhala zochepa. Iye anafotokoza chifukwa chake kuika ndalama m’ma bond kuli bwino kusiyana ndi kutenga ndalama ku banki. Sindidzibwereza ndekha. [id id mawu = “attach_1856” align = “aligncenter” wide = “599”] Zofunikira zazikulu za chomangira[/ mawu]

“Blue chips” – magawo a echelon yoyamba ya Russian Federation

M’kupita kwa nthawi, makampani ambiri amakula pang’onopang’ono. Atsogoleri a kukula kwa chaka Sber + 92%; MTS + 40%; NOVATEK + 25%; + 9%. Zambiri apa . Ndipo madiva aatali amalipira. Chaka chino ma divas adalipira, kapena adzalipira, Sberbank, Beluga Group, NOVATEK ndi ena. Koma palinso zitsanzo zosiyana: kugwa kwa Gazprom, mwachitsanzo. Kusiyanasiyana ndikofunikira. Tchipisi ta buluu pamsika waku Russia[/mawu] Kupanga mbiri mwanzeru ndi ntchito yovuta kwa oyamba kumene. Ngati mulibe nthawi yoti mumvetsetse, ndiye:

Mutual ndalama ndi ETFs – okonzeka zopangidwa portfolios

Amakulolani kuti muyike ndalama zochepa. Mwachitsanzo, pogula gawo la thumba la ndalama zomwe zimagwirizanitsidwa ndi Moscow Exchange index, nthawi yomweyo mudzagulitsa magawo onse amakampani otsogola aku Russia. Mabonasi: kusankha kwakukulu, kudalirika, kuchotsera msonkho. Phindu likhoza kukhala 20-30% pachaka. Zambiri zimapezeka pagulu.

Golide

13.26% yabweza chaka chatha. Njira yogwiritsira ntchito ndalama zanthawi yayitali. Kwa zaka zambiri, mtengo wachitsulo chamtengo wapatali umangowonjezereka, ndipo panthawi yamavuto, kukula kumathamanga. Chabwino, kugulitsa / kusinthanitsa golide kumakuthandizani kuti mukhale ndi moyo pamavuto.

Zomwe sindingavomereze

1. Depositi. 8-10% pachaka . Kukwera kwa mitengo kudzapambana. Pakalipano palibe madipoziti ku Russia omwe angapitirire kukwera kwa inflation. Ndipo vuto la banki silinathe. Makapisozi a Dummy amapezekanso ku Russian Federation.
2. Ndalama . 0% pachaka. Ndalama ziyenera kugwira ntchito. Pansi pa matiresi, ndalama zimatsitsidwa ndi inflation tsiku lililonse. Ndipo amathanso “kugwidwa” ndi ana, “zofuna” zosayembekezereka komanso zofunika kwambiri, kapena akuba. Payenera kukhala ndalama, koma ngati khushoni lazachuma lomwe mutha kulipeza nthawi yomweyo.
3. Malo ndi kukhazikika. Kugulitsa nyumba ndi chimodzi mwa zida zotetezeka zomwe zilipo masiku ano. Koma osati likulu lililonse.

https://youtu.be/l7xdYiKhXPU

10% pachaka popanda chiopsezo – panyumba, ana, Goa ndi disco

Ndiwonjeza za komwe mungasungire ndalama mwanzeru komanso mopanda mitsempha panthawi yamavuto mu 2024. Zoyenera kwa omwe amagulitsa ndalama omwe ali ndi chiopsezo chochepa. Kapena, monga gawo la ndalama zogulira ndalama, pomwe ntchito yayikulu ndikusunga ndalama ndikuteteza ndalama ku inflation. Pali mayeso ambiri kuti adziwe kulolerana kwa ngozi pa intaneti. Zida zokha zomwe zimapezeka kwa aliyense kuti mugule pa MOEX, kapena kudzera mwa broker Tinkoff ndi ena. Kwa ma ruble miliyoni ovomerezeka timatenga: Kwa ma bond 300-400k* . 50 mpaka 50%. OFZ pa 9-10%. Ndipo mgwirizano wamakampani pa 10-15% wokhala ndi chiopsezo chochepa. Mwachitsanzo: Seligdar, Norilsk Nickel, Sberbank ndi opereka ena odalirika. Kwa ma bond a 300-400k mu yuan. Zokolola kuchokera ku 4%. Ndalama zotetezeka komanso zopindulitsa kwambiri mu ndalama zakunja panthawiyi. Madipoziti a banki mu yuan ndi ochepera 3%. Yuanization yachuma ikungoyamba kumene. Kuchuluka kwa malonda mu yuan kukukula mwezi ndi mwezi. Kuphatikiza pa ndalama zochokera ku makuponi, pali mwayi wopeza phindu kuchokera pakusinthana kwamitengo. Polyus, Segezha, ndi RUSAL ali ndi zomangira zomwe zimatchedwa yuan. Mndandanda wathunthu uli ndi opereka ambiri. *Talongosolera chifukwa chake kuyika ndalama kuma bond kuli bwino kuposa kutenga ndalama kubanki. Pa 150-300k blue chip stocks . Timasankha omwe amalipira ma divas. Anthu ambiri amalipira, koma osati onse. Kukhazikika kwa malipiro a gawoli kumawonetsedwa ndi index ya DSI. Koma tiyeni tikhale osavuta. Mu 2023 ndi divas: Sberbank, Norilsk Nickel, Lukoil, Tatneft adalengeza kulipira lero. Pa 150-300k golide . Panthawi yamavuto, chitsulo chamtengo wapatali nthawi zonse chimakwera mtengo, monganso magawo amakampani omwe amachikumba. Ambiri amalipiranso ma divas. Pa, Seligdar. Izi ndizokhazikika + 8-10% pachaka. Plus zopindula. Ili ndi gawo lopanda chiopsezo lomwe, ngakhale pang’ono, lingakupulumutseni ndalama.

Sizikupanga upangiri wandalama payekha. Kumbukirani kuti kuyika ndalama muchitetezo nthawi zonse kumakhala kowopsa.

TOP 5 maupangiri ofunikira pakuyika ndalama kwa omwe akuyambitsa novice

1. Sinthanitsani mbiri yanu: Osayika mazira anu onse mudengu limodzi. Kusiyanasiyana kwa mbiri yanu kungathandize kufalitsa chiwopsezo ndikuwonjezera phindu.
2. Khalani ndi nthawi yayitali yopezera ndalama: Kuyika ndalama ndi masewera anthawi yayitali, ndipo kusinthasintha kwa msika kwakanthawi kochepa sikuyenera kukulepheretsani kuyika ndalama zanu.
3. Kumvetsetsa kulekerera kwanu pachiwopsezo: Dziwani kuchuluka kwa chiopsezo chomwe mukufuna kuchita. Izi zidzakuthandizani kupanga zisankho zodziwika bwino ndikusankha njira yoyendetsera ndalama yomwe ikugwirizana ndi kulekerera kwanu pachiwopsezo.
4. Khalani osamala: Osapanga zisankho mopupuluma potengera malingaliro monga mantha kapena umbombo.
5. Dzifufuzeni nokha: Osadalira uphungu wa ena. Ndikofunika kudzifufuza nokha ndikuchita khama popanga zisankho zandalama.

Komwe mungasungire ndalama kuti mupeze ndalama mu 2024: nzeru zopangapanga zimaganiza chiyani?

Komwe mungasungire ndalama ndi funso lomwe limadetsa nkhawa ambiri. Pali mipata yambiri padziko lapansi yoyika ndalama zanu ndikupeza chipambano chakuthupi. Komabe, kusankha ndalama zoyenera kungakhale chinthu chofunikira kwambiri chomwe chimatsimikizira kupambana kapena kulephera mubizinesi yomwe mwapatsidwa. Popeza taphunzira zotheka zosiyanasiyana, titha kuzindikira madera angapo omwe akulonjeza kuti adzagulitsa. Choyamba, masheya ndi imodzi mwazinthu zodziwika bwino kwambiri. Kusinthanitsa kumapereka magawo ambiri amakampani osiyanasiyana, kuyambira mabizinesi akuluakulu apadziko lonse lapansi mpaka oyambira ang’onoang’ono. Kuyika ndalama m’matangadza kungabweretse phindu labwino, koma kumafuna kusanthula mosamala msika ndi kampani yomwe mukufuna kuyikamo. Kachiwiri, malo ogulitsa nyumba ndi chinthu chokhazikika komanso chachikhalidwe. Kugula nyumba zogona kapena zamalonda kungapereke ndalama zokhazikika munjira yobwereketsa kapena kugulitsanso mtsogolo. Komabe, kuti muthe kugulitsa bwino malo ogulitsa nyumba, muyenera kusankha bwino malo ndikusanthula msika. Chachitatu, kuyika ndalama mubizinesi yanu ndi imodzi mwazowopsa kwambiri, komanso zomwe zingakupindulitseni. Kukhala ndi bizinesi yanu kumakupatsani mwayi wowongolera mapindu anu, koma pamafunika ndalama zambiri komanso nthawi. Kusankha malo abizinesi ndikupanga njira yogwira ntchito ndizofunikira kwambiri pakuchita bwino pazachuma chomwe mwapatsidwa. Pomaliza, tisaiwale za kusiyanitsa mbiri ya ndalama. Mitundu yosiyanasiyana ya katundu-masheya, ma bond, securities, cryptocurrencies-ingathandize kuchepetsa chiopsezo ndi kupereka kubweza kosasunthika kwa nthawi yayitali. Kuti muthe kugulitsa bwino malo ogulitsa nyumba, muyenera kusankha bwino malo ndikusanthula msika. Chachitatu, kuyika ndalama mubizinesi yanu ndi imodzi mwazowopsa kwambiri, komanso zomwe zingakupindulitseni. Kukhala ndi bizinesi yanu kumakupatsani mwayi wowongolera mapindu anu, koma pamafunika ndalama zambiri komanso nthawi. Kusankha malo abizinesi ndikupanga njira yogwira ntchito ndizofunikira kwambiri pakuchita bwino pazachuma chomwe mwapatsidwa. Pomaliza, tisaiwale za kusiyanitsa mbiri ya ndalama. Mitundu yosiyanasiyana ya katundu-masheya, ma bond, securities, cryptocurrencies-ingathandize kuchepetsa chiopsezo ndi kupereka kubweza kosasunthika kwa nthawi yayitali. Kuti muthe kugulitsa bwino malo ogulitsa nyumba, muyenera kusankha bwino malo ndikusanthula msika. Chachitatu, kuyika ndalama mubizinesi yanu ndi imodzi mwazowopsa kwambiri, komanso zomwe zingakupindulitseni. Kukhala ndi bizinesi yanu kumakupatsani mwayi wowongolera mapindu anu, koma pamafunika ndalama zambiri komanso nthawi. Kusankha malo abizinesi ndikupanga njira yogwira ntchito ndizofunikira kwambiri pakuchita bwino pazachuma chomwe mwapatsidwa. Pomaliza, tisaiwale za kusiyanitsa mbiri ya ndalama. Mitundu yosiyanasiyana ya katundu-masheya, ma bond, securities, cryptocurrencies-ingathandize kuchepetsa chiopsezo ndi kupereka kubweza kosasunthika kwa nthawi yayitali. komanso njira zomwe zingakhale zopindulitsa. Kukhala ndi bizinesi yanu kumakupatsani mwayi wowongolera mapindu anu, koma pamafunika ndalama zambiri komanso nthawi. Kusankha malo abizinesi ndikupanga njira yogwira ntchito ndizofunikira kwambiri pakuchita bwino pazachuma chomwe mwapatsidwa. Pomaliza, tisaiwale za kusiyanitsa mbiri ya ndalama. Mitundu yosiyanasiyana ya katundu-masheya, ma bond, securities, cryptocurrencies-ingathandize kuchepetsa chiopsezo ndi kupereka kubweza kosasunthika kwa nthawi yayitali. komanso njira zomwe zingakhale zopindulitsa. Kukhala ndi bizinesi yanu kumakupatsani mwayi wowongolera mapindu anu, koma pamafunika ndalama zambiri komanso nthawi. Kusankha malo abizinesi ndikupanga njira yogwira ntchito ndizofunikira kwambiri pakuchita bwino pazachuma chomwe mwapatsidwa. Pomaliza, tisaiwale za kusiyanitsa mbiri ya ndalama. Mitundu yosiyanasiyana ya katundu-masheya, ma bond, securities, cryptocurrencies-ingathandize kuchepetsa chiopsezo ndi kupereka kubweza kosasunthika kwa nthawi yayitali. Pomaliza, wochita bizinesi aliyense ayenera kukumbukira kuti kusankha kwa chinthu chogulitsa kuyenera kugwirizana ndi zolinga zake, kuthekera kwake pazachuma komanso kuchuluka kwa chiwopsezo chomwe angafune kukumana nacho. Kusanthula mosamala ndi kafukufuku wamsika ndi gawo lofunikira pakuyika bwino ndalama. Ndipo, ndithudi, ziyenera kukumbukiridwa kuti kuyika ndalama ndi chisankho chaumwini ndipo kumafuna kusamala ndi kulingalira.