Kupi kwekudyara mari mu 2024 yeanovice investor: shoma shoma uye shoma yeruzivo

Chinyorwa chacho chakasikwa zvichibva pane zvakatevedzana zvinyorwa kubva  kuOpexBot Telegram channel , yakawedzerwa nechiratidzo chemunyori uye maonero eAI. Kupi muRussia mudzvanyiriri anogona kuisa mari mu 2024: mari shoma uye ruzivo rushoma.

Kupi kwekudyara nehungwaru uye pasina tsinga panguva yedambudziko mu 2024 – kunyangwe anotanga anogona kuzviita, maperesenti anokuudza

Zvakaoma kukunda inflation, asi ngatiedzei. Kana kutombotyora. Hongu, kuitira kuti zvive zvakachengeteka. Saka, inflation pakupera kwa2022 yaive 12%.

Zvisungo

10-14% goho. Pane zvingasarudzwa apo njodzi dzinenge dziri pakati nepakati. Akatsanangura kuti sei kuisa mari mumabhondi kuri nani pane kutora mari kubhanga. Handichazvidzokorora.

“Blue chips” – zvikamu zvekutanga echelon yeRussian Federation

Nekufamba kwenguva, makambani mazhinji ari kukura zvishoma nezvishoma. Vatungamiri vekukura kwegore Sber + 92%; MTS +40%; NOVATEK + 25%; Tatneft +9%. Mamwe mashoko pano . Uye marefu divas anobhadhara. Gore rino madhivha akabhadhara, kana kuti achabhadhara, Sberbank, Beluga Group, NOVATEK nevamwe. Asi kunewo mienzaniso inopesana: kudonha kweGazprom, semuenzaniso. Diversification inofanirwa.

Kuunganidza portfolio zvine hungwaru ibasa rakaoma kune anotanga. Kana iwe usina nguva yekuzvifunga, zvino:

Kudyidzana mari uye ETFs – akagadzirira-akagadzirwa portfolios

Inokubvumira kuisa mari shoma. Semuenzaniso, nekutenga chikamu chemari yekudyara mari yakabatana neiyo Moscow Exchange index, iwe unobva waisa mari muzvikamu zvese zvemakambani anotungamira eRussia. Mabhonasi: sarudzo yakakura, kuvimbika, kuderedzwa kwemutero. Profitability inogona kusvika 20-30% pagore. Ruzivo rwunowanikwa pachena.

Ndarama

13.26% yakadzoka pane gore rapfuura. Sarudzo yekushanda yekudyara kwenguva refu. Kwemakore, mutengo wesimbi yakakosha unongowedzera, uye munguva dzenhamo, kukura kunowedzera. Zvakanaka, kutengesa / kuchinjanisa goridhe kunobatsira iwe kurarama mumamiriro ezvinhu akaoma.

Zvandaisazokurudzira

1. Deposit. 8-10% pagore . Inflation ichakunda. Parizvino hapana madhipoziti muRussia angapfuura inflation muzvikamu. Uye dambudziko remabhanga harisati rabviswa. Dummy capsules inogonawo kuwanikwa muRussian Federation.
2. Cash . 0% pagore. Mari inofanira kushanda. Pasi pemetiresi, mari iri kudzikiswa nekukwira kwemitengo mazuva ese. Uye vanogonawo “kuputirwa” nevana, vasingatarisirwi uye vanodiwa zvikuru “vanoda”, kana mbavha. Panofanira kunge paine mari, asi secushion yemari yaunokwanisa kuwana ipapo ipapo.
3. Real estate kugadzikana. Real estate investment ndechimwe chezvishandiso zvakachengeteka zviripo nhasi. Asi kwete kune chero capital.

https://youtu.be/l7xdYiKhXPU

10% pagore pasina njodzi – padzimba, vana, Goa uye disco

Ini ndichawedzera zvakanangana pamusoro pekuisa mari nehungwaru uye pasina tsinga panguva yedambudziko mu 2024. Inokodzera kune avo vanoisa mari vane yakaderera njodzi kushivirira. Kana, sechikamu chekutsvaga mari, uko basa guru nderokuchengetedza mari uye kuchengetedza mari kubva ku inflation. Pane yakawanda bvunzo yekuona njodzi kushivirira online. Zviridzwa zvinongowanikwa kune wese munhu zvekutenga paMOEX, kana kuburikidza nebroker Tinkoff nevamwe. Kune miriyoni ine miriyoni rubles isu tinotora: Ye300-400k zvisungo* . 50 kusvika 50%. OFZ pa9-10%. Uye zvisungo zvekambani pa10-15% ine njodzi yakaderera. Semuenzaniso: Seligdar, Norilsk Nickel, Sberbank nevamwe vanopa vakavimbika. Ye300-400k mabhondi muyuan. Goho kubva pa4%. Iyo yakachengeteka uye ine pundutso yekudyara mumari yekunze panguva ino. Bank deposits mu yuan iri pasi pe3%. Iyo Yuanization yehupfumi ichangotanga. Kutengeserana kwehuwandu muyuan kuri kukura kubva pamwedzi kuenda kumwedzi. Pamusoro pemari kubva kumakuponi, pane sarudzo yekuita purofiti kubva mukutsinhana kwemitengo misiyano. Polyus, Segezha, uye RUSAL ane mabhondi akaiswa muyuan. Rondedzero yakazara inosanganisira gumi nevaviri vanopa. *Zvatsanangurwa pamusoro kuti sei kuisa mari mumabhondi kuri nani pane kutora mari kubhanga. Pa150-300k blue chip stocks . Isu tinosarudza avo vanobhadhara divas. Vanhu vazhinji vanobhadhara, asi kwete vese. Kugadzikana kwemari yegovidhi kunoratidzwa neiyo DSI index. Asi ngatizvichengete zviri nyore. Muna 2023 ne divas: Sberbank, Norilsk Nickel, Lukoil, Tatneft yakanyatso zivisa kubhadhara nhasi. Pa150-300k goridhe . Munguva yematambudziko, simbi inokosha inogara ichikwira mumutengo, sezvinoita zvikamu zvemakambani anochera. Vazhinji vanobhadharawo divas. Pole, Seligdar. Iyi yakagadzikana + 8-10% pagore. Plus dividends. Iri rinenge riine njodzi-isina portfolio iyo, padiki, inokuchengetedza mari.

Haisi kuumba zano rekudyara wega. Rangarira kuti kuisa mari muzvibatiso kune njodzi nguva dzose.

TOP 5 matipi akakosha ekudyara kune anovesa investor

1. Diversify your portfolio: Usaise mazai ako ese mudengu rimwe. Kusiyanisa portfolio yako kunogona kubatsira kuparadzira njodzi uye zvinogona kuwedzera kudzoka.
2. Iva nenguva yakareba yekudyara horizon: Kuisa mari mutambo wenguva refu, uye kushanduka kwemusika kwenguva pfupi hakufanire kukutadzisa kubva pakudyara kwako.
3. Nzwisisa kushivirira kwako kwenjodzi: Ziva kuti njodzi yakadii yaunoda kutora. Izvi zvichakubatsira iwe kuita sarudzo dzekudyara zvine ruzivo uye kuona nzira yekudyara inokodzera kushivirira kwako njodzi.
4. Chengetedza manzwiro ako mukutarisa: Usaite sarudzo dzekudyara zvechimbichimbi zvichibva pamanzwiro akadai sekutya kana kukara.
5. Ita tsvakurudzo yako pachako: Usavimba chete nezano revamwe. Izvo zvakakosha kuti uite yako tsvagiridzo uye kushandisa hunyanzvi pakuita sarudzo dzekudyara.

Kupi kwekudyara mari yekungoita mari mu [ikozvino_gore]: hungwaru hwekugadzira hunofungei?

Kupi kwekudyara mubvunzo unonetsa vazhinji. Kune mikana yakawanda munyika yekuisa mari yako uye kuwana budiriro yezvinhu. Nekudaro, kusarudza mari yakanaka inogona kuve chinhu chakakosha chinotaridza kubudirira kana kukundikana mubhizinesi rakapihwa. Tadzidza mikana yakasiyana-siyana, tinogona kuona nzvimbo dzakati wandei dziri kuvimbisa mukudyara. Kutanga, masheya ndeimwe yeanonyanya kufarirwa mari. Kutengeserana kwekuchinjana kunopa sarudzo yakakura yemasheya emakambani akasiyana, kubva kumakambani makuru epasi rese kusvika kune madiki ekutanga. Kuisa mari mumasheya kunogona kuunza kudzoka kwakanaka, asi kunoda kunyatsoongorora musika uye kambani yaunoronga kuisa mari mairi. Chechipiri, real estate chinhu chakagadzikana uye chechinyakare chekudyara. Kutenga zvivakwa zvekugara kana zvekutengesa zvinogona kupa mari yakagadzikana nenzira yerendi kana mikana yekutengesa zvakare. Nekudaro, kuti ubudirire kuisa mari mune real estate, unofanirwa kusarudza zvine hunyanzvi nzvimbo uye kuongorora musika. Chechitatu, kuisa mari mubhizinesi rako pachako ndeimwe yenjodzi, asi zvakare inogona kuita pundutso sarudzo. Kuve nebhizinesi rako pachako kunokupa mukana wekudzora purofiti yako, asi zvinoda zvakakomba mari uye nguva yekudyara. Kusarudza nzvimbo yebhizinesi uye kugadzira zano rinoshanda zvinhu zvakakosha zvebudiriro mune yakapihwa mari. Chekupedzisira, isu hatifanirwe kukanganwa nezve kusiyanisa iyo yekudyara portfolio. Mhando dzakasiyana-siyana dzeasset-stocks, bond, securities, cryptocurrencies-zvinogona kubatsira kuderedza njodzi uye kupa kudzoka kwakagadzikana kwenguva refu. Kuti ubudirire kuisa mari mune real estate, unofanirwa kusarudza zvine hunyanzvi nzvimbo uye kuongorora musika. Chechitatu, kuisa mari mubhizinesi rako pachako ndeimwe yenjodzi, asi zvakare inogona kuita pundutso sarudzo. Kuve nebhizinesi rako pachako kunokupa mukana wekudzora purofiti yako, asi zvinoda zvakakomba mari uye nguva yekudyara. Kusarudza nzvimbo yebhizinesi uye kugadzira zano rinoshanda zvinhu zvakakosha zvebudiriro mune yakapihwa mari. Chekupedzisira, isu hatifanirwe kukanganwa nezve kusiyanisa iyo yekudyara portfolio. Mhando dzakasiyana-siyana dzeasset-stocks, bond, securities, cryptocurrencies-zvinogona kubatsira kuderedza njodzi uye kupa kudzoka kwakagadzikana kwenguva refu. Kuti ubudirire kuisa mari mune real estate, unofanirwa kusarudza zvine hunyanzvi nzvimbo uye kuongorora musika. Chechitatu, kuisa mari mubhizinesi rako pachako ndeimwe yenjodzi, asi zvakare inogona kuita pundutso sarudzo. Kuve nebhizinesi rako pachako kunokupa mukana wekudzora purofiti yako, asi zvinoda zvakakomba mari uye nguva yekudyara. Kusarudza nzvimbo yebhizinesi uye kugadzira zano rinoshanda zvinhu zvakakosha zvebudiriro mune yakapihwa mari. Chekupedzisira, isu hatifanirwe kukanganwa nezve kusiyanisa iyo yekudyara portfolio. Mhando dzakasiyana-siyana dzeasset-stocks, bond, securities, cryptocurrencies-zvinogona kubatsira kuderedza njodzi uye kupa kudzoka kwakagadzikana kwenguva refu. asiwo sarudzo dzinogona kuita purofiti. Kuve nebhizinesi rako pachako kunokupa mukana wekudzora purofiti yako, asi zvinoda zvakakomba mari uye nguva yekudyara. Kusarudza nzvimbo yebhizinesi uye kugadzira zano rinoshanda zvinhu zvakakosha zvebudiriro mune yakapihwa mari. Chekupedzisira, isu hatifanirwe kukanganwa nezve kusiyanisa iyo yekudyara portfolio. Mhando dzakasiyana-siyana dzeasset-stocks, bond, securities, cryptocurrencies-zvinogona kubatsira kuderedza njodzi uye kupa kudzoka kwakagadzikana kwenguva refu. asiwo sarudzo dzinogona kuita purofiti. Kuve nebhizinesi rako pachako kunokupa mukana wekudzora purofiti yako, asi zvinoda zvakakomba mari uye nguva yekudyara. Kusarudza nzvimbo yebhizinesi uye kugadzira zano rinoshanda zvinhu zvakakosha zvebudiriro mune yakapihwa mari. Chekupedzisira, isu hatifanirwe kukanganwa nezve kusiyanisa iyo yekudyara portfolio. Mhando dzakasiyana-siyana dzeasset-stocks, bond, securities, cryptocurrencies-zvinogona kubatsira kuderedza njodzi uye kupa kudzoka kwakagadzikana kwenguva refu. Mukupedzisa, mutengi wega wega anofanirwa kuyeuka kuti kusarudzwa kwechinhu chekudyara kunofanirwa kuenderana nezvinangwa zvake, kugona kwemari uye nhanho yenjodzi yaanoda kutarisana nayo. Kunyatsoongorora uye kutsvagisa kwemusika chikamu chakakosha chekudyara kwakabudirira. Uye, hongu, zvinofanirwa kuyeukwa kuti kuisa mari isarudzo yemunhu uye inoda kungwarira uye kufunga.