Gushora imari muburusiya 2024: ibyo abatangiye bakeneye kumenya

Ingingo yashizweho hashingiwe ku ruhererekane rw’inyandiko ziva ku  muyoboro wa Telegramu wa OpexBot , zunganirwa n’icyerekezo cy’umwanditsi n’ibitekerezo bya AI. Ishoramari muri bonds muri Federasiyo yUburusiya 2024: gahunda yuburezi ngufi, kimwe nigitekerezo cyumwanditsi w’impamvu kubitsa ari bibi kuruta ingwate mubihe biriho.

Gushora imari muri bonds

Ishoramari mu nguzanyo (bonds) mu Burusiya ni kimwe mu bikoresho bizwi cyane mu kwinjiza amafaranga no gutandukanya inshingano. Ingwate ni ibikoresho byimari bitangwa na leta cyangwa isosiyete kugirango ikusanye inkunga mugihe runaka.

Umushoramari aba inguzanyo kandi yakira inyungu muburyo bwo kwishyura coupon mugihe cyubuzima bwa bonds.

[ibisobanuro id = “umugereka_17050” align = “aligncenter” ubugari = “730”] Ibyiza n’ibibi by’inguzanyo [/ caption] Iyo ushora imari mu Burusiya, hari ibintu byinshi by’ingenzi ugomba gusuzuma. Icya mbere, birakwiye gusuzuma inguzanyo yatanzwe. Ibi bikubiyemo isesengura ryimari yimari yabatanga. Urwego rwo hejuru, niko ibyago byo kudasubira mu ishoramari. Icya kabiri, umusaruro w’inguzanyo ugomba gusuzumwa. Coupon yinjiza nisoko nyamukuru yinjiza kuva gushora muri bonds. Ingano yubwishyu bwa coupon iterwa nagaciro kangana na bonds, igipimo cyinyungu ninshuro yo kwishyura. Ni ngombwa kugereranya inyungu ziteganijwe kuva muri bonds hamwe nandi mahirwe yo gushora isoko ku isoko no gufata icyemezo kiboneye. Ikintu cya gatatu ugomba gusuzuma ni ukwirukana inkwano. Amazi agena ubushobozi bwo kugurisha byihuse ingwate nta gihombo gikomeye. Ingwate hamwe nibikorwa byinshi byubucuruzi bitanga umuvuduko mwinshi kandi byongera amahirwe yo kurangiza neza ibikorwa. Hanyuma, ni ngombwa gukurikirana impinduka z’ubukungu n’ubwa politiki mu Burusiya, kuko zishobora kugira ingaruka zikomeye ku biciro by’inguzanyo. Ihungabana rya politiki cyangwa imikorere mibi y’ubukungu irashobora kugira ingaruka ku isoko ry’impanuka kandi bigatuma ibiciro by’inguzanyo bigabanuka. Byongeye kandi, birasabwa kugisha inama abajyanama mu by’imari cyangwa abashoramari babigize umwuga kugira ngo bagire inama zirambuye kandi zihariye ku ishoramari ry’inguzanyo mu Burusiya. Barashobora kuzirikana intego zawe zamafaranga, kwihanganira ingaruka nibindi bintu bigufasha gufata icyemezo cyishoramari neza. Aho wagura inkwano muri Kwik terminal – urugero rwo gukoresha interineti [/ caption]

Ntushobora kubona amafaranga kubitsa, ariko hariho ubundi buryo buhendutse: bonds

Igitekerezo cyanjye: ugomba kuba umusazi kugirango ufungure kubitsa umwaka, 5 cyangwa 10. Cyane cyane muri rubles. Ndakubwira kandi uburyo bwo kongera umusaruro winguzanyo.

Munsi yikigereranyo cyifaranga: nuburyo ushobora “kwinjiza” kubitsa muburusiya

Ifaranga muri Federasiyo y’Uburusiya mu mpera za 2022 ryageze kuri 12%. Igipimo cyiza kubitsa mugihe gito (amezi 6) kugeza 10% kumwaka. Igipimo cyiza kubitsa igihe kirekire (amezi 12 cyangwa arenga) bigera kuri 7-9%. Kandi kubikuza hakiri kare amafaranga ntibishoboka utabuze inyungu winjije. Kandi indi ngingo imwe irwanya: igipimo cy’umusoro ku nyungu kubitsa ni 13%.

Ubundi buryo kuri buri wese: gushora imari muri bonds

Inguzanyo ni nziza kubashoramari baharanira inyungu. Izi nimpapuro zishoramari ryigihe kirekire. Impapuro za leta, hanyuma ingwate zamasosiyete manini ya leta hamwe n’ibigo binini byigenga nibyo byizewe cyane. Kurenza uko inkwano yizewe kandi niko urwego rwayo rwinshi, niko amafaranga yinjira. Inguzanyo ziyongereyeho ibyago zitanga inyungu nyinshi. Inkunga zizewe zitanga umusaruro wa coupon ya 12-14%. Bikaba bisumba kubitsa. Gito, ariko birenze ifaranga. Inyungu nyamukuru yinguzanyo: umusaruro urenze uwabikijwe. Kandi na:

1. Umuntu wese ukuze utuye mu Burusiya arashobora gushora imari muri bonds.
2. Umubare muto wo kwinjira – 600-1000.
3. Mugushyiramo bonds, umushoramari yabanje kumenya amafaranga azahabwa amaherezo.
4. Ingwate irashobora kugurishwa igihe icyo aricyo cyose idatakaje inyungu zegeranijwe.
5. Диверсификация — можно купить облигации большого количества разных компаний. От ОФЗ до более рисковых бондов со средним риском. Например, 75 на 25% в инвестиционном портфеле.

Финхак: повышаем доходность облигаций

Fungura konti yumuntu ku giti cye. Shaka amafaranga mu ishoramari kandi wakire + 13% muri leta kumafaranga yashyizwe muri IIS *. Nta buriganya, gusa ukuboko kwamaboko. * Hariho ikibazo. Kwishura kugeza hejuru ya 400k. Kumara byibuze imyaka 3. Muri iki gihe cyose amafaranga yarahagaritswe. Ni ukuvuga ko umusaruro ari 13/3 + 13/2 + 13%. SNkigice cyo gushora igihe kirekire, aho kubitsa, nongeyeho ingwate zifite ibyiringiro byo kwinjiza mumyaka 10-20. Hafi ya 25% byimigabane. Inkwano nyinshi zisobanura ibyago bike, naho ubundi. Ntabwo inkwano zose zakozwe zingana . Ingwate kubatangiye: uburyo bwo kubona amafaranga, inyungu, coupons, ubwoko bwinguzanyo: https://youtu.be/Fk1QrZmE9KM

Kuki ari byiza kwinjira muri bonds mugihe igipimo cyingenzi kizamutse?

Ni ikihe kintu cy’ingenzi kuri twe, bitugiraho izihe ngaruka? Igipimo cy’ibanze ni igipimo ntarengwa cy’inyungu Banki Nkuru iguriza andi mabanki yo mu Burusiya, ndetse n’ayo, ku baturage ndetse n’ubucuruzi. Bikaba bifite ingaruka ku isoko ryose.

Inguzanyo no kubitsa

Niba igipimo kizamutse, nibyo rwose abasesenguzi bategereje, noneho inguzanyo zibahenze kubantu no mubigo. Ku bitureba, kugeza 8%. ⬇ Kuzamura igipimo bituma amafaranga ahenze cyane, ifaranga nubukungu bikadindira. ⬇ Abaturage bakoresha make, bafata inguzanyo nke: ntabwo bunguka. Isoko ryinguzanyo riragabanuka, inguzanyo zimodoka ninguzanyo zabaguzi ntibishoboka.

Nibyiza cyane kubika amafaranga kubitsa

Igipimo kigena ijanisha ntarengwa amafaranga ashobora kubikwa. Ubucuruzi burababara, ibipimo byimari biragabanuka. Ibigo bitanga inguzanyo kandi bidaharanira inyungu biri mukarere kihariye. Nta mafranga ahendutse, kandi gutera inkunga imyenda ntabwo byunguka. Gufungura ubucuruzi bushya biragoye.

Ingwate

Iyo ibiciro bizamutse, inguzanyo za leta nshya zitanga umusaruro mwinshi. Ubwiza bwinguzanyo zatanzwe mbere buragabanuka, kimwe nigiciro. Kubwibyo, RGBI yagabanutseho 1,6% mukwezi. Ibiciro biragabanuka, umusaruro urazamuka. Ibiciro ku nguzanyo za leta byiyongereye mu kwezi gushize. Kurugero, kumwaka kuva 9.3% kugeza 10.2%. https://youtube.com/shorts/ali067TZe9o?feature=share

Ububiko

Inguzanyo ziragenda zihenze, ubucuruzi bushora imari mukiterambere. Umugabane urimo gutakaza. Hariho gusohoka kwishoramari kugana ibikoresho bike bishobora guteza akaga – ingwate no kubitsa.

None nkore iki?

Ntabwo duhagarika umutima; iyo igipimo cyingenzi kizamutse, tugura inguzanyo za leta mugihe gito nigihe giciriritse kugirango dushobore kugura ibibazo byunguka ubutaha igipimo kizamuka. Ntabwo dufata inguzanyo, dushobora gufata amafaranga.