Kuisa mari mumabhondi muRussia 2024: izvo vanotanga vanofanirwa kuziva

Chinyorwa chacho chakasikwa zvichibva pane zvakatevedzana zvinyorwa kubva  kuOpexBot Telegram channel , yakawedzerwa nechiratidzo chemunyori uye maonero eAI. Investments muzvisungo muRussian Federation 2024: chirongwa chipfupi chedzidzo, pamwe nepfungwa yemunyori yekuti sei madhipoziti akashata kupfuura zvisungo mumamiriro azvino.

Kuisa mari mumabhondi

Investment mumabhondi (zvisungo) muRussia ndechimwe chezvishandiso zvakakurumbira zvekugadzira mari uye kusiyanisa portfolio. Mabhondi zvishandiso zvemari zvinopihwa nehurumende kana mubatanidzwa kukwidza mari kwenguva yakatarwa.

Muridzi anova mukweretesi uye anogamuchira mubereko nenzira yekubhadhara makuponi panguva yehupenyu hwebhondi.

Kana uchiisa mari mumabhondi muRussia, pane akati wandei akakosha ekufunga. Kutanga, zvakakosha kuongorora kukweretwa kwemupi. Izvi zvinosanganisira kuongororwa kwekugadzikana kwemari yeanopa uye zviyero. Iyo yakakwirira chiyero, inoderedza njodzi yekusadzoka pakudyara. Chechipiri, zvibereko zvebhondi zvinofanira kuongororwa. Kuponi mari ndiyo inonyanya kuwana mari kubva mukudyara mumabhondi. Hukuru hwekubhadhara makuponi hunoenderana nehuso hwayo hwebhondi, mubereko uye kuwanda kwekubhadhara. Zvakakosha kuenzanisa kudzoka kunotarisirwa kubva kune zvisungo nemimwe mikana inowanikwa yekudyara mumusika uye kuita sarudzo ine ruzivo. Chinhu chechitatu chekufunga nezve liquidity yemabhondi. Liquidity inosarudza kukwanisa kukurumidza kutengesa chisungo pasina kurasikirwa kukuru. Zvisungo zvine basa rekutengesa zvakanyanya zvinopa yakakwira liquidity uye inowedzera mikana yekubudirira kupedzisa kwekutengeserana. Pakupedzisira, zvakakosha kutarisa kuchinja kwemamiriro ehupfumi uye ezvematongerwo enyika muRussia, sezvo vanogona kuva nemigumisiro inokosha pamitengo yebhondi. Kusagadzikana kwezvematongerwo enyika kana kusashanda zvakanaka kwehupfumi kunogona kukanganisa maonero emusika nezvenjodzi zvokonzera kuti mitengo yemabhondi ideredze. Pamusoro pezvo, zvinokurudzirwa kubvunza vanachipangamazano vezvemari kana nyanzvi dzekudyara mari kuti uwane ruzivo rwakadzama uye rwemunhu nezvekudyara kwebhondi muRussia. Vanogona kufunga nezvezvinangwa zvako zvemari, kushivirira njodzi uye zvimwe zvinhu kuti zvikubatsire kuita sarudzo ine ruzivo rwekudyara. Kwaunotenga mabhondi muKwik terminal – muenzaniso wekushandisa iyo interface[/caption]

Iwe haugone kuita mari pamadhipoziti, asi pane inokwanisika imwe nzira: mabhondi

Maonero angu: iwe unofanirwa kupenga kuvhura dhipoziti kwegore, 5 kana 10 makore. Kunyanya mu rubles. Ndinokuudzawo kuti ungawedzera sei goho remabond.

Pasi pemutengo we inflation: iyi ndiyo yakawanda yaunogona “kuwana” pane dhipoziti muRussia

Inflation muRussian Federation pakupera kwa2022 yakasvika 12%. The yakanakisisa mitengo pamusoro pfupi-nguva deposits (6 mwedzi) kusvika 10% pagore. The yakanakisisa mitengo pamusoro refu-refu deposits (12 mwedzi kana kupfuura) vari kusvika 7-9%. Uye kutanga kubvisa mari hazvibviri pasina kurasikirwa nechibereko chawakawana. Uye imwezve nharo inopesana: mutero wemutero pamubereko pamadhipoziti ndeye 13%.

Imwe nzira yemunhu wese: kuisa mari mumabhondi

Mabhondi akanaka kune vanochengeta mari. Izvi zvivimbiso zvekugara kwenguva refu. Mabhondi ehurumende, kozoita ma bond emakambani makuru ehurumende nemakambani makuru akazvimirira ndiwo anovimbika zvakanyanya. Iyo yakanyanya kuvimbika chisungo uye nekukwirira kwayo chiyero, iyo inoderera mari yayo. Zvisungo zvine njodzi yakawedzera zvinopa kudzoka kwakanyanya. Zvisungo zvakavimbika zvinopa coupon goho re12-14%. Iyo yakakwirira kudarika dhipoziti. Zvishoma, asi zvakakwirira kudarika inflation. Kubatsira kukuru kwezvisungo: chibereko chakakwirira kudarika pamari. Uye zvakare:

1. Wese munhu mukuru anogara muRussia anogona kuisa mari muzvisungo.
2. Yakaderera chikumbaridzo chekupinda – 600-1000 rubles.
3. Nekuwedzera zvisungo, mushambadzi pakutanga anoziva kuti achagamuchira zvakadii pakupedzisira.
4. Mabhondi anogona kutengeswa chero nguva pasina kurasikirwa nemari yakaunganidzwa.
5. Diversification – unogona kutenga zvisungo kubva kunhamba huru yemakambani akasiyana. Kubva kuOFZ kuenda kune riskier zvisungo zvine avhareji njodzi. Semuyenzaniso, 75 kusvika 25% mune imwe investment portfolio.

Finhack: kuwedzera bond goho

Vhura account yekudyara wega. Wana mari pakudyara uye gamuchira + 13% kubva kuhurumende pamari yakaiswa muIIS*. Hapana chitsotsi, kungobata maoko chete. * Pane imwe nuance. Kubhadhara kunosvika ku400k rubles. Inotora makore anenge matatu. Uye nguva yose iyi mari yave yakaomeswa nechando. Kureva, goho iri 13/3 + 13/2 + 13%. ✔Sechikamu chekudyara kwenguva refu, pachinzvimbo chedhipoziti, ndinowedzera zvisungo zvine tarisiro yekuwana mari mumakore gumi-20. Inenge 25% yemasecurities portfolio. Zvisungo zvakawanda zvinoreva njodzi shoma, uye zvinopesana. Hazvisi zvese zvisungo zvinogadzirwa zvakaenzana . Mabhondi evanotanga: maitiro ekuwana mari, purofiti, makuponi, marudzi emabhondi: https://youtu.be/Fk1QrZmE9KM

Sei zvakanaka kuisa mabhondi kana chiyero chekiyi chichikwira?

Ndeipi bheji yakakosha kwatiri, inotibata sei? Mutengo wakakosha ndiwo mubereko wakaderera weiyo Central Bank inokweretesa kune mamwe mabhanga eRussian Federation, uye iwowo, kune vagari nemabhizinesi. Izvo zvine simba pamusika wese.

Zvikwereti uye deposits

Kana chiyero ichikwira, izvo chaizvo zvinotarisirwa nevanoongorora, saka zvikwereti zvinova zvinodhura kune vanhu nemakambani. Muchiitiko chedu, kusvika ku8%. ⬇ Kukwidza chiyero kunoita kuti ruble idhure, inflation uye hupfumi hudzike. ⬇ Veruzhinji vanoshandisa mari shoma, vanotora zvikwereti zvishoma: hazvina pundutso. Musika wemortgage uri kudonha, zvikwereti zvemotokari uye zvikwereti zvevatengi hazvisviki.

Zvinonyanya kubatsira kuchengetedza mari pamadhipoziti

Mutengo unosarudza huwandu hwehuwandu hwemari inogona kuiswa. Bhizinesi rinotambura, zviratidzo zvemari zvinowa. Makambani ane chikwereti uye asina purofiti ari munzvimbo yakakosha ine njodzi. Iko hakuna mari yakachipa, uye chikwereti refinancing haina pundutso. Kuvhura bhizinesi idzva kwakaoma.

Zvisungo

Kana mitengo ichikwira, mabhondi matsva ehurumende ane goho rakakwirira. Kukwezva kwema bond akaitwa kare kunodzikira, sezvinoitawo mutengo. Naizvozvo, RGBI inodonha ne1.6% pamwedzi. Mitengo inodonha, goho rinokwira. Mari yemabhondi ehurumende yakakwira mumwedzi wapfuura. Somuenzaniso, pagore kubva 9.3% kusvika 10.2%. https://youtube.com/shorts/ali067TZe9o?feature=share

Stock

Zvikwereti zviri kuramba zvichidhura, mabhizinesi ari kuisa mari shoma mukusimudzira. Migove iri kurasikirwa nemari. Pane kubuda kwemari kune zvishandiso zvine njodzi zvishoma – mabhondi nemadhipoziti.

Saka ndoita sei?

Isu hativhunduke; kana chiyero chakakosha chinokwira, tinotenga mabhondi ehurumende yenguva pfupi uye yepakati kuitira kuti tigone kutenga zvimwe zvinopa mari nguva inotevera iyo chiyero ichikwira. Hatitore zvikwereti, tinogona kutora dhipoziti.