Aho gushora amafaranga muri 2024 kubashoramari bashya: umubare muto nubumenyi buke

Ingingo yashizweho hashingiwe ku ruhererekane rw’inyandiko ziva ku  muyoboro wa Telegramu wa OpexBot , zunganirwa n’icyerekezo cy’umwanditsi n’ibitekerezo bya AI. Aho mu Burusiya umushoramari mushya ashobora gushora amafaranga muri 2024: umubare muto n’ubumenyi buke.

Aho gushora neza kandi udafite imitekerereze mugihe cyibibazo muri 2024 – niyo utangira ashobora kubikora, ijanisha rizakubwira

Biragoye kurenza ifaranga, ariko reka tugerageze. Cyangwa byibuze ucike. Yego, kugirango bibe bifite umutekano. Ifaranga rero mu mpera za 2022 ryari 12%.

Ingwate

Umusaruro 10-14%. Hano hari amahitamo aho ingaruka zizaba ziciriritse. Yasobanuye impamvu gushora imari muri bonds ari byiza kuruta gufata amafaranga muri banki. Sinzongera. Ibipimo by’ingenzi bigize inkwano [/ caption]

“Chipi z’ubururu” – imigabane ya echelon yambere ya Federasiyo y’Uburusiya

Mu gihe kirekire, ibigo byinshi bikura neza. Abayobozi bakura umwaka Sber + 92%; MTS + 40%; NOVATEK + 25%; Tatneft + 9%. Ibisobanuro birambuye hano . Kandi diva ndende irishyura. Uyu mwaka diva yishyuye, cyangwa izishyura, Sberbank, Itsinda rya Beluga, NOVATEK n’abandi. Ariko hariho n’ingero zinyuranye: kugwa kwa Gazprom, kurugero. Gutandukana ni ngombwa. . _ Niba udafite umwanya wo kubimenya, noneho:

Amafaranga ya mutuelle na ETFs – byateguwe neza

Emerera gushora amafaranga make. Kurugero, muguze umugabane wikigega cyishoramari gihujwe nurutonde rwivunjisha rya Moscou, uzahita ushora mumigabane yose yamasosiyete akomeye yo muburusiya. Bonus: guhitamo kwinshi, kwizerwa, kugabanya imisoro. Inyungu irashobora gushika kuri 20-30% kumwaka. Amakuru arahari kumugaragaro.

Zahabu

13.26% bagaruka mumwaka ushize. Amahitamo y’akazi yo gushora igihe kirekire. Mu myaka yashize, igiciro cyicyuma cyagaciro cyiyongera gusa, kandi mugihe cyibibazo, iterambere ryihuta. Nibyiza, kugurisha / guhana zahabu bigufasha kubaho mubihe bikomeye.

Icyo ntagusaba

1. Kubitsa. 8-10% ku mwaka . Ifaranga rizatsinda. Kugeza ubu nta mubitsi wabitswe mu Burusiya wasumbya ifaranga ukurikije ijanisha. Kandi ikibazo cyamabanki nticyahagaritswe. Dummy capsules irashobora kandi kuboneka muri Federasiyo y’Uburusiya.
2. Amafaranga . 0% ku mwaka. Amafaranga agomba gukora. Munsi ya matelas, amafaranga arimo guteshwa agaciro nifaranga buri munsi. Kandi barashobora kandi “gukubitwa” nabana, “ibyifuzo” bitunguranye kandi bikenewe cyane, cyangwa abajura. Hagomba kubaho amafaranga, ariko nkigikoresho cyamafaranga ushobora guhita ubona.
3. Umutungo utimukanwa ni umutekano. Ishoramari ryimitungo nimwe mubikoresho byizewe biboneka muri iki gihe. Ariko ntabwo ari igishoro icyo aricyo cyose.

https://youtu.be/l7xdYiKhXPU

10% ku mwaka nta ngaruka – ku miturire, abana, Goa na disco

Nzongeramo umwihariko aho gushora imari neza kandi nta mitsi mugihe cyibibazo muri 2024. Birakwiye kubashoramari bafite kwihanganira ingaruka nke. Cyangwa, nk’igice cyo gushora imari, aho inshingano nyamukuru ari ukubungabunga igishoro no kurinda amafaranga ifaranga. Hariho ibizamini byinshi kugirango umenye kwihanganira ingaruka kumurongo. Gusa ibikoresho biboneka kubantu bose kugura kuri MOEX, cyangwa binyuze kuri broker Tinkoff nabandi. Kuri miriyoni y’amafaranga ateganijwe dufata: Kuri 300-400k bonds * . 50 kugeza 50%. OFZ kuri 9-10%. Kandi inguzanyo zamasosiyete 10-15% hamwe ningaruka nke. Kurugero: Seligdar, Norilsk Nickel, Sberbank nabandi batanga ibyiringiro. Kuri 300-400k ingwate muri Yuan. Tanga umusaruro kuva 4%. Ishoramari ryizewe kandi ryunguka cyane mumafaranga yamahanga muriki gihe. Amabanki yabikijwe muri Yuan ari munsi ya 3%. Yuanisation yubukungu iratangiye. Umubare wubucuruzi muri Yuan uriyongera ukwezi ukwezi. Usibye kwinjiza muri coupons, hari uburyo bwo kunguka inyungu zivunjisha. Polyus, Segezha, na RUSAL bafite inkwano zivugwa muri Yuan. Urutonde rwuzuye rurimo abasohoka benshi. * Yasobanuwe haruguru impamvu gushora imari muri bonds biruta kujyana amafaranga muri banki. Kuri 150-300k ububiko bwubururu . Duhitamo abishyura diva. Abantu benshi barishura, ariko siko bose. Ihame ryimishahara yinyungu igaragazwa nigipimo cya DSI. Ariko reka dukomeze byoroshye. Muri 2023 hamwe na diva: Sberbank, Norilsk Nickel, Lukoil, Tatneft yatangaje ko yishyuye uyu munsi. Kuri zahabu 150-300k . Mugihe cyibibazo, icyuma cyagaciro gihora kizamuka mugiciro, kimwe nimigabane yamasosiyete ayacukura. Benshi kandi bishyura divayi. Inkingi, Seligdar. Nibihamye + 8-10% kumwaka. Ongeraho inyungu. Nibisanzwe bidafite ingaruka mbi, byibuze, bizigama amafaranga.

Ntabwo igizwe ninama zishoramari kugiti cye. Wibuke ko gushora mumigabane buri gihe ari ingaruka.

TOP 5 inama zingenzi zishoramari kubashoramari bashya

1. Tandukanya portfolio yawe: Ntugashyire amagi yawe yose mugiseke kimwe. Gutandukanya portfolio yawe birashobora gufasha gukwirakwiza ingaruka no kongera inyungu.
2. Kugira ishoramari rirerire rirerire: Ishoramari ni umukino muremure, kandi ihindagurika ryigihe gito ryisoko ntirigomba kukubuza ingamba zishoramari.
3. Sobanukirwa no kwihanganira ingaruka: Menya ingaruka witeguye gufata. Ibi bizagufasha gufata ibyemezo byishoramari neza no kumenya ingamba zishoramari zijyanye no kwihanganira ingaruka.
4. Komeza amarangamutima yawe: Ntugafate ibyemezo byishoramari bidasubirwaho bishingiye kumarangamutima nkubwoba cyangwa umururumba.
5. Kora ubushakashatsi bwawe: Ntukishingikirize gusa kumpanuro zabandi. Ni ngombwa gukora ubushakashatsi bwawe bwite no gukoresha umwete mugihe ufata ibyemezo byishoramari.

Nihe washora amafaranga kumafaranga yinjiza muri 2024: ubwenge bwubuhanga butekereza iki?

Aho gushora ni ikibazo gihangayikishije benshi. Hariho amahirwe menshi kwisi gushora amafaranga yawe no kugera kubintu byiza. Ariko, guhitamo ishoramari ryiza birashobora kuba ikintu cyingenzi cyerekana intsinzi cyangwa gutsindwa mubucuruzi runaka. Tumaze kwiga ibintu bitandukanye bishoboka, turashobora kumenya ibice byinshi byingenzi bitanga ishoramari. Ubwa mbere, imigabane nimwe mubishoramari bizwi cyane. Ubucuruzi bwivunjisha butanga amahitamo menshi yimigabane yamasosiyete atandukanye, kuva mumasosiyete manini mpuzamahanga kugeza kubitangira bito. Gushora mu bubiko birashobora kuzana inyungu nziza, ariko bisaba gusesengura neza isoko hamwe nisosiyete uteganya gushoramo imari. Icya kabiri, umutungo utimukanwa ni ikintu gihamye kandi gisanzwe cyishoramari. Kugura amazu yo guturamo cyangwa ubucuruzi birashobora gutanga amafaranga ahamye muburyo bwo gukodesha cyangwa amahirwe yo kongera kugurisha. Ariko, kugirango ushore neza mumitungo itimukanwa, ugomba guhitamo neza ahantu hamwe no gusesengura isoko. Icya gatatu, gushora imari mubucuruzi bwawe nimwe mubyago bishobora guteza akaga, ariko kandi birashoboka ko byunguka. Gutunga umushinga wawe biguha amahirwe yo kugenzura inyungu zawe, ariko bisaba ishoramari rikomeye ryamafaranga nigihe. Guhitamo agace k’ubucuruzi no gushyiraho ingamba zifatika nibintu byingenzi byubutsinzi mubushoramari runaka. Hanyuma, ntitugomba kwibagirwa gutandukanya imishinga ishora imari. Ubwoko butandukanye bwumutungo-ububiko, ingwate, impapuro zagaciro, cryptocurrencies – birashobora gufasha kugabanya ingaruka no gutanga inyungu zihamye zigihe kirekire. Kugirango ushore neza mumitungo itimukanwa, ugomba guhitamo neza ahantu hamwe no gusesengura isoko. Icya gatatu, gushora imari mubucuruzi bwawe nimwe mubyago bishobora guteza akaga, ariko kandi birashoboka ko byunguka. Gutunga umushinga wawe biguha amahirwe yo kugenzura inyungu zawe, ariko bisaba ishoramari rikomeye ryamafaranga nigihe. Guhitamo agace k’ubucuruzi no gushyiraho ingamba zifatika nibintu byingenzi byubutsinzi mubushoramari runaka. Hanyuma, ntitugomba kwibagirwa gutandukanya imishinga ishora imari. Ubwoko butandukanye bwumutungo-ububiko, ingwate, impapuro zagaciro, cryptocurrencies – birashobora gufasha kugabanya ingaruka no gutanga inyungu zihamye zigihe kirekire. Kugirango ushore neza mumitungo itimukanwa, ugomba guhitamo neza ahantu hamwe no gusesengura isoko. Icya gatatu, gushora imari mubucuruzi bwawe nimwe mubyago bishobora guteza akaga, ariko kandi birashoboka ko byunguka. Gutunga umushinga wawe biguha amahirwe yo kugenzura inyungu zawe, ariko bisaba ishoramari rikomeye ryamafaranga nigihe. Guhitamo agace k’ubucuruzi no gushyiraho ingamba zifatika nibintu byingenzi byubutsinzi mubushoramari runaka. Hanyuma, ntitugomba kwibagirwa gutandukanya imishinga ishora imari. Ubwoko butandukanye bwumutungo-ububiko, ingwate, impapuro zagaciro, cryptocurrencies – birashobora gufasha kugabanya ingaruka no gutanga inyungu zihamye zigihe kirekire. ariko kandi birashoboka ko byunguka. Gutunga umushinga wawe biguha amahirwe yo kugenzura inyungu zawe, ariko bisaba ishoramari rikomeye ryamafaranga nigihe. Guhitamo agace k’ubucuruzi no gushyiraho ingamba zifatika nibintu byingenzi byubutsinzi mubushoramari runaka. Hanyuma, ntitugomba kwibagirwa gutandukanya imishinga ishora imari. Ubwoko butandukanye bwumutungo-ububiko, ingwate, impapuro zagaciro, cryptocurrencies – birashobora gufasha kugabanya ingaruka no gutanga inyungu zihamye zigihe kirekire. ariko kandi birashoboka ko byunguka. Gutunga umushinga wawe biguha amahirwe yo kugenzura inyungu zawe, ariko bisaba ishoramari rikomeye ryamafaranga nigihe. Guhitamo agace k’ubucuruzi no gushyiraho ingamba zifatika nibintu byingenzi byubutsinzi mubushoramari runaka. Hanyuma, ntitugomba kwibagirwa gutandukanya imishinga ishora imari. Ubwoko butandukanye bwumutungo-ububiko, ingwate, impapuro zagaciro, cryptocurrencies – birashobora gufasha kugabanya ingaruka no gutanga inyungu zihamye zigihe kirekire. Mu gusoza, buri mushoramari agomba kwibuka ko guhitamo ikintu cyishoramari bigomba kuba bihuye nintego ze, ubushobozi bwamafaranga nurwego rwibyago yiteguye guhura nabyo. Isesengura ryitondewe nubushakashatsi bwisoko nibice bigize ishoramari ryatsinze. Kandi ntiwumve, hakwiye kwibukwa ko gushora imari ari icyemezo cyumuntu kugiti cye kandi bisaba kwitonda no gutekereza.