Musanatenge ngongole: yang’anani kuopsa kwake, zopindulitsa ndi zomwe mungakwanitse

Nkhaniyi idapangidwa ngati kuphatikiza zolemba zodziwika bwino za ngongole mu njira ya telegalamu ya OpexBot . Adawonjezedwa ndikuwongoleredwa. Mu njira ya Telegraph mutha kuphunzira malingaliro a anthu aku Russia pankhaniyi. Ndipo tidzapitiriza. Ngongole ndi chida. Monga chida chilichonse, muyenera kuchigwiritsa ntchito ndikumvetsetsa kuti ndi chiyani. Ndikofunika kumvetsetsa nthawi yomwe mungatenge, pamene simungathe, komanso momwe mungabwezere ndalama zomwe munabwereka.

Osatenga kapena kupereka ngongole mpaka mutamvetsetsa izi

Simuyenera kulipira ngongole ndi zinthu zomwe zimabweretsa ndalama zambiri pachaka kuposa chiwongola dzanja cha ngongoleyo. Izi zitha kukhala ma bond, madipoziti, magawo, bizinesi. Palibe chifukwa chochotsera ndalama mwachangu ku akaunti ya brokerage, kugulitsa bizinesi, kapena kutseka gawo. Umu ndi momwe bizinesi imagwirira ntchito ikatenga ngongole kuti itukuke. Ikapereka chiwongola dzanja pazopeza. Ndipo ali ndi phindu lowonjezera.

Lipirani ngongole ndi ngongole

Ngongole nthawi zambiri imatengedwa motsutsana nawo. Chitani ngongole ndi moyo ngati bizinesi. Ngati muli ndi ngongole yomwe idakutengerani ngongoleyo, ndipo ikukulemerani, gulitsani ndikutseka. Mwachitsanzo, galimoto kapena foni yomwe inachotsedwa mumaganizo. Kuchokera apa tikhoza kunena zosiyana. Kutenga ngongole kuti mukonze vuto lanu ndi kulakwitsa. Nthawi zambiri izi zimachitika ndi anthu omwe a) safuna kugwiritsa ntchito ubongo wawo kuthetsa mavuto; b) azolowera kukhala ndi moyo wopitilira momwe angathere; c) amakonda kudzionetsera.

Galimoto, TV, nyumba yaikulu – zonsezi ndi ngongole.

Mutha kutenga ngongole pazosowa zopanga. Ngati chitsanzo cha bizinesi chikutanthauza phindu lalikulu kuposa chiwongoladzanja. Pankhaniyi, mumayika ndalama mubizinesi yomwe ingakupangireni zambiri.

Ulendo wamphindi womaliza wopita kuukapolo wangongole

Ngati mumadziona ngati opusa, ganizirani za amene anatenga ngongole kutchuthi, kapena paukwati.

Kusawona zam’tsogolo kofunikira ndikukutenga ngongole paulendo wanu waukwati. Kukhala ndi ngongole yosalipidwa ya chikondwerero chaukwati chokha. Koma owerenga athu amaganiza chiyani za ngongole za tchuthi: Ziwerengero zosangalatsa:

1. Mfundo 1. Chirasha chachisanu chilichonse chimapita kutchuthi pa ngongole. Makhadi a ngongole ndi ngongole za ndalama ndizotchuka.
2. Mfundo 2. Ngongole za tchuthi nthawi zambiri zimasanduka ngongole zamavuto. Chifukwa ngongole zotere nthawi zambiri zimatengera malingaliro.

Aliyense ayenera kupuma kuti cuckoo isamveke bwino. Koma muyenera kupuma momwe mudapezera – panokha. Nditapeza ndalama zambiri, ndinatenga galimoto, hema ndikupita kunyanja, mtsinje, kapena kunyumba ya tchuthi yotsika mtengo. Mwamwayi, pali malo ambiri okongola ku Russian Federation.

Palibe amene waletsa ntchito zokopa alendo. Tsopano, malinga ndi ziwerengero, anthu a ku Russia 70 miliyoni amayenda mkati mwa dzikoli.

Tchuthi chimakhudza maganizo, ndipo maganizo amadalira ifeyo komanso mmene timadzionera tokha. Kodi ndi bwino kukhala ndi mpumulo wozizira m’mphepete mwa mtsinje ndi mtendere wamaganizo? Kapena mutenge ngongole ya 300k pa 20% ndipo, mukumwa malo otsekemera ku Turkey, ganizirani momwe mungabwezeretsere? Funso losamveka.

Tiyeni tiwerenge, tiyeni tichite masamu

Nthawi yomweyo timachotsa mabungwe azachuma omwe ali ndi 40-50% pachaka. Ndi zonyansa. Ngongole ya ogula ku banki: 20-30%, yomwe ilinso yokwera mtengo kwambiri. Ndinatenga 100k, 10k pamwezi kulipira. Kubweza mpaka 24k. Koma ngati njira. Kirediti kadi . Pali makhadi opanda chiwongola dzanja. Koma awa ali ndi ma nuances ambiri ndi ntchito, ma komisheni, zina zowonjezera ndi chindapusa. Ndipo mawu a pa kirediti kadi akamaonekera kwambiri, m’pamenenso chiwongola dzanja chimakwera. Kuyambira 20-30% ndi pamwamba. Ngati mwasankha kale, phunzirani momwe mungathere, “nyenyezi ndi nyenyezi” zonse. Simuyenera kutsegula malire a 300k ndi malipiro a 50k. Ndikuganiza kuti izi ndi zomveka? ⁉ Ngongole yapatchuthi yomwe mukufuna. Ubwino wake ndi wakuti chiwongola dzanja ndi chochepa. Koma ulendowu ukhoza kutengedwa kuchokera ku kampani yothandizana nawo komanso pazifukwa zomveka bwino: matikiti, chipinda, ulendo. [id id mawu = “attach_16991” align = “aligncenter” wide = “796”] Chiwerengero cha ngongole zomwe zidatsala pang’ono kutha chikukulirakulira chaka ndi chaka[/caption]

Osatenga ngongole patchuthi

Koma ngati pali ntchito yotere, yerekezerani mosamala zomwe mwapereka. Nthawi zina ngongole ya ogula imakhala yopindulitsa kwambiri kuposa zopereka za woyendera alendo. Gwiritsani ntchito chowerengera ngongole. Kenako phunzirani zovuta za aliyense payekhapayekha. Iwo ndithudi adzatero.

Nthawi zonse khalani ndi dongosolo losunga zobwezeretsera. Kodi mungatani ngati kirediti kadi sikugwira ntchito ku Turkey?

Koma kawirikawiri, iyi ndi njira yapadera yopotoka ya masochism – kusinthanitsa milungu iwiri ya malingaliro abwino kwa zaka 2 za ukapolo wa ngongole.

Pali piritsi lotsekemera

Pali zosankha ndi zochitika zomwe mutha kutenga ngongole yatchuthi. Nthawi zina zimakhala zofunikira! Liti, chifukwa chiyani komanso momwe mungachitire molondola, ndikuuzani zambiri.

Onani matanthwe osamira ndi ngongole

Ndiye, ndi liti pamene ngongole ya tchuthi ingakhale lingaliro labwino?

Ngongole ingathandize kukonza mtengo waulendo

Ngati mukudziwa komwe mukupita komanso nthawi yomwe mudzapite kutchuthi, mutha kukonza bwino matikiti ndi malo ogona pasadakhale. Mkhalidwe womwe kulibe ndalama, koma padzakhala posachedwa, ndipo ulendowu uyenera kutengedwa pano ndipo tsopano pamtengo wotsika mtengo.

Ngongole ya tchuthi ikhoza kuonedwa ngati ndalama

Ndiloleni ndifotokoze: pali kusiyana kwakukulu pakati pa kutenga ngongole (kwa ife kutchuthi) pamene mulibe ndalama ndi pamene muli ndi zambiri.

Mukakhala ndi ndalama, koma simukufuna kuchotsa ndalama zomwe muli nazo: ndalama, bizinesi. Tiyerekeze kuti muli ndi ma ruble 500k mu zotetezedwa pa zokolola za 2% pamwezi. Ndi 10k pamwezi. Nanga bwanji mungatenge ndalama mwa iwo ngati mutha kulipira chiwongola dzanja pa ma ruble 5k.

Pali ndondomeko yomveka bwino yobwezera ngongole yomwe inatengedwa kutchuthi

Ndipo njira ya kirediti kadi idapezeka yomwe simuyenera kulipira chiwongola dzanja. Mwachitsanzo, pali nthawi yachitetezo, yomwe m’mabanki ena imatha kukhala masiku 30-60. Ena amabwezeranso ndalama kuchokera paulendo wobwerera ku khadi. Nthawi ya chisomo ndi mikhalidwe ina imasiyana tsiku ndi tsiku. Iyenera kuyang’aniridwa mosamala.

Koma sindikutsutsa kwenikweni kutenga tchuthi chotere ndi lingaliro: tsiku lina ndidzalira.

Koma m’malingaliro anga, ndi bwino kusunga ndalama zatchuthi. Osati kwenikweni mu cache. Pofuna kupewa kukwera kwa mitengo kwa zinthu. Mutha kusunga mu gawo lapadera kuti khobiri lidutse. Kapena yikani ndalama mu OFZs, mwachitsanzo, mu nthawi yachilimwe chamawa ndipo makuponi apezeka ndipo akhoza kugulitsidwa. Mutha kusunga ndalama m’miyezi 10 osawononga bajeti yanu ndi mulingo uliwonse wopeza. Bwanji? Ndikuwuzani zambiri.

Sungani, pitani kutchuthi ndipo musachite misala

Mutha kusunga tchuthi popanda kusokoneza bajeti yanu ndi moyo wanu. Miyezo yomwe munthu waku Russia yemwe amapeza ndalama zambiri kapena wotsika kwambiri amatha kuyang’anapo. Kodi timvetsetsa? Tiyeni tigawane zonse zomwe zingatheke m’magulu awiri: kusonkhanitsa ndi kusunga.

Kuwunjika

Ntchito yoyamba ndikukhazikitsa cholinga munthawi yake kuti musanapite kutchuthi mwachangu musatenge ngongole ndi zopereka zosakwanira kuchokera kwa oyendera alendo. Mwachitsanzo, cholinga chenicheni ndi Turkey 6/7 mu 5 * akuluakulu awiri ndi mwana kwa 60k rubles. Timayambitsa kukwera kwa mitengo, kusintha kwa ma ruble ndi zoopsa zina. Timapeza 80k zomwe tifunika kusunga chaka chimodzi kuti tipite kutchuthi mu August 2024. Ndiko kuti, tifunika kusunga pafupifupi 6,700 rubles pamwezi. Kupulumutsa 10-15% ya ndalama zomwe amapeza pambuyo pake ndi njira yabwino yomwe anthu ambiri sangazindikire kuwonongeka kwa moyo wawo. Kodi ndizochepa kuposa kuchuluka kofunikira? Mwachitsanzo, ndi malipiro a 40,000, zingatheke kusunga 4,000.

Kuganiza ngati Investor

Timagwiritsa ntchito ma OFZ akanthawi kochepa. Zokolola ndi zapamwamba kuposa zomwe zimasungidwa. Kuwonjezeka kwa ndalama mu mawonekedwe a makuponi kudzakhala kochepa, koma kokhazikika. Pakatha chaka, zotetezedwa zitha kugulitsidwa ndipo kukwera kwa inflation kutha. Ndikwabwino kusapita ku zida zopindulitsa kwambiri koma zowopsa popanda chidziwitso. Amafuna ma bond OFZ-PD ndi OFZ-n. Chotsatiracho chikhoza kuwomboledwa patsogolo pa nthawi pamtengo wosaposa mtengo wa nkhope komanso osachepera mtengo wogula. Mutha kutsegula akaunti yobwereketsa kuti mugule ma bond, mwachitsanzo, mu FINAM. Kumeneko mukhoza kusankha chomangira malinga ndi magawo otchulidwa. Ikani pambali 10-15% ya ndalama zonse, osati malipiro okha. Bonasi, mphatso, ntchito yanthawi yochepa. Ngati mungathe kuchita zambiri, zabwino. Bwanji ngati mutakonza moyo wanu kukhala tchuthi chosatha. “Ntchito ya chaka, kupuma kwa masiku 14” chitsanzo pang’onopang’ono chikutha. Posachedwapa zatembenuzidwa mozondoka

Kusunga

Mwa njira, ma ruble 6,700 ndi pafupifupi mtengo wa mapaketi 30 a ndudu. Ndi anthu ochepa okha amene amasiya kusuta chifukwa cha mavuto azachuma. Koma ndi mfundo yosangalatsa. Ngati mungapulumutse 4,000 mwa 6,700 omwe mukufuna, pezani china chake chomwe mungasungirepo 2,700. Pali zambiri zomwe mungachite. Ndiwonetsa zomwe ndizigwiritsa ntchito. Pazinthu zina, zolinga ndi nthawi zomalizira, koma zilibe kanthu. Kukonzekera zachuma . Onetsetsani kusunga diary ya ndalama. Mapepala, amagetsi pa foni yamakono, olumikizidwa ku khadi la banki. Ndi nkhani ya kukoma, koma kusankha ndi lalikulu. Pali mwayi woti mukusiya 2700 kuti mukangopeza chakudya chofulumira. Kodi mukuzifuna? Matikiti. Ngati mukuwuluka nokha, gulani matikiti miyezi 2-3 pasadakhale. Kuchokera ku gawo limenelo la bajeti yomwe idzapangidwe ndi April 2024. Ndizotsika mtengo. Phunzirani njira. Mwachitsanzo, ndege yodutsa ku Sochi ikhoza kukhala yotsika mtengo 10-15k kuposa kudutsa Moscow. Kuwerengera kosavuta, masamu ndipo mukudziwa kale momwe mungakwaniritsire cholinga chanu.

Ndikofunikira kumvetsetsa pamapeto pake – kodi ichi ndi cholinga chanu chenicheni, kapena chimangovomerezedwa? Mwina ndizoyenera kukhala ndi tchuthi kutali ndi anthu pafupifupi kwaulere, ndikuyika ndalama zokwana 80k mu bizinesi, zotetezedwa, maphunziro?

Ndiye Türkiye 2024? Mutha kuyamba tsopano. Timakhala ndi cholinga chathu tokha. Timasunga, ndipo zikatuluka, timasunga mwanzeru. Ndipo m’chaka chimodzi tidzalingalira zoyenera kuchita ndi chuma chimenechi. Zofunikira zimasintha, koma matikiti atha kubwezedwa.

Momwe mungabwezere ngongole mwachangu komanso moyenera momwe mungathere

Sungani njira ziwiri zodziwika komanso zothandiza zomwe zatsimikiziridwa ndi kafukufuku: chipale chofewa ndi chipale chofewa . Pafupifupi 50% ya anthu aku Russia ali ndi ngongole. Anthu ambiri ali ndi ngongole/ngongole zoposera imodzi. Ziwerengerozi ziyenera kukonzedwa. Sichomwecho? Ndipo ndi mitundu yanji yandalama yomwe tingakambirane pomwe muli ndi ngongole zambiri? Vuto silili ngakhale ndi ngongole zokha. Vuto ndiloti ambiri akuyesera kuzimitsa popanda njira yomveka bwino. Ndipo kotero iwo flounder mu ngongole ukapolo kwa zaka, overpaying chiwongola dzanja, koma osabweza ngongole bwino.

Snowball

Njira yake ndikulipira ngongole kuyambira zazing’ono mpaka zazikulu.

Dongosololi limatsimikiziridwa ndi kuchuluka kwa ngongole, osati chiwongola dzanja.

Pa nthawi yomweyi, kwa onse koma ang’onoang’ono, malipiro ochepa omwe amafunikira amalipidwa. Timaponya mphamvu zathu zonse mu ngongole yaying’ono. Titatseka ngongole yaying’ono kwambiri, timawongolera zida zonse zomasulidwa kuti titseke yachiwiri, kenako yachitatu. Zomwe tili nazo. Ndi ngongole iliyonse yotsekedwa, kulemedwa kwa maganizo kumachepa. Komanso, ngati chipale chofewa, chida chomasulidwa chimasonkhanitsa kuti chigwire ntchito ndi ngongole ya ngongole zazikulu.

chipale chofewa

Njira yobwezera ngongole zomwe amabweza kuyambira ndi chiwongoladzanja chapamwamba.

Akabweza ngongoleyo ndi chiwongola dzanja chambiri, amapita ku ngongoleyo ndi chiwongola dzanja chotsatira. Pitirizani mpaka zonse zitaphimbidwa.

Ndi chiyani chomwe chili chothandiza kwambiri?

Kuchokera pamalingaliro a masamu, njira ya chipale chofewa ndiyothandiza kwambiri. M’kupita kwa nthawi, chipale chofewa chimapereka chiwongoladzanja chochuluka kuposa njira ya snowball, yomwe imayang’ana pa chiwongoladzanja. Anthu, kwa mbali zambiri, si zolengedwa zoganiza. Ndipo ndalama zaumwini ndi 20% chidziwitso ndi 80% khalidwe. Kafukufuku akuwonetsa kuti anthu omwe akuyesera kuchepetsa ngongole amafunikira “kupambana mwachangu” (ndiko kuti, kulipira ngongole yaying’ono kwambiri) kuti akhale ofunitsitsa kuchepetsa ngongole yawo yonse. Choncho, zolinga zing’onozing’ono zomwe zimamveka bwino momwe mungatsekere zimakhala zokopa kwambiri kwa ambiri. Ngati zinthu zamaganizidwe ndi zachilendo kwa inu ndipo ndinu katswiri wa masamu, ndiye kuti muyenera kutsatira njira ya chigumukire. Cholinga changa ndikubzala mbewu ya chowonadi ndikuwulula kumvetsetsa kwadongosolo. Zomwe simuyenera kuchita