Usati watora chikwereti: ongorora njodzi, mabhenefiti uye kugona kwako

Chinyorwa chakagadzirwa semuunganidzwa wezvinyorwa zvakakurumbira nezvezvikwereti muOpexBot telegraph chiteshi . Yakawedzerwa uye yakagadziridzwa. MuTeregiramu chiteshi unogona kudzidza maonero evaRussia panyaya iyi. Uye tichaenderera mberi. Chikwereti chinonyanya kushandisa. Kufanana nechero chishandiso, unofanirwa kukwanisa kuishandisa uye kunzwisisa kuti ndeyei. Zvakakosha kunzwisisa kuti iwe unogona kuitora rinhi, pausingakwanisi, uye kuti ungadzorera sei mari yakakweretwa.

Usatore kana kupa chikwereti kusvika wanzwisisa izvi

Haufanire kubhadhara zvisungo zvechikwereti nemidziyo inobereka yakawanda pagore pane mhindu pachikwereti. Izvi zvinogona kuva ma bond, deposits, dividends, business. Hapana chikonzero chekukasira kubvisa mari kubva kuaccount yebrokerage, kutengesa bhizinesi, kana kuvhara dhipoziti. Aya ndiwo mashandiro anoita bhizinesi kana richitora chikwereti chekusimudzira. Kana ichibhadhara mubereko pamuhoro. Uye ine imwe purofiti.

Bhadhara chikwereti nezvikwereti

Chikwereti chinowanzotorwa kwavari. Bata zvikwereti uye hupenyu sebhizinesi. Kana pane chikwereti chakatorwa chikwereti, uye chichikuremera, chitengesa uye uvhare. Somuenzaniso, motokari kana foni yakatorwa kubva mumanzwiro. Kubva pano tinogona kutora mhedziso inopesana. Kutora chikwereti kugadzirisa dambudziko rako kukanganisa. Kazhinji kazhinji izvi zvinoitwa nevanhu avo a) vasingadi kushandisa pfungwa dzavo kugadzirisa matambudziko; b) vakajaira kurarama kupfuura zvavanogona; c) vanoda kushamisira.

Motokari, TV, imba huru – izvi zvose zvikwereti.

Unogona kutora chikwereti chezvinodiwa zvekugadzira. Kana iyo bhizinesi modhi inoreva purofiti yakakwira kupfuura mubereko. Mune ino kesi, iwe unodyara mubhizinesi iro richakubudisira zvakawanda.

Kushanya kweminiti yekupedzisira kuuranda hwechikwereti

Kana ukambonzwa wakapusa, funga nezveavo vakatora chikwereti kuzororo, kana kumuchato.

Iko quintessential kupfupika kuri kutora chikwereti chenyuchi yako. Kuva nechikwereti chisina kubhadharwa chemhemberero yemuchato pachayo. Asi vaverengi vedu vanofungei nezvezvikwereti zvezororo: Nhamba dzinonakidza:

1. Pfungwa 1. Yese yechishanu yeRussia inoenda kuzororo nechikwereti. Makadhi echikwereti uye zvikwereti zvemari zvakakurumbira.
2. Pfungwa 2. Zvikwereti zvezororo zvinowanzo shanduka kuita zvikwereti zvine dambudziko. Nokuti zvikwereti zvakadaro zvinowanzobhadharwa mupfungwa.

Wese munhu anofanirwa kuzorora kuitira kuti cuckoo irege kunzwika zvakajeka. Asi iwe unofanirwa kuzorora nenzira yawakaiwana nayo – uri wega. Padanho rekuunganidza mari, ndakatora mota, tende ndokuenda kugungwa, rwizi, kana kumusha wezororo usingadhuri. Nenzira yakanaka, kune nzvimbo dzakawanda dzakanaka muRussian Federation.

Hapana akanzura tourism yemumba. Zvino, maererano nehuwandu, mamiriyoni 70 eRussia anofamba mukati menyika.

Zororo ndeyemanzwiro, uye manzwiro anonyanya kutsamira patiri uye manzwire atinoita pamusoro pedu. Zviri nani here kuva nekuzorora kunotonhorera pamahombekombe erwizi nerunyararo rwepfungwa? Kana kutora chikwereti che 300k pa20% uye, uchinwa cocktail yakanyanyisa-sweetened muTurkey, funga nezvekuidzorera sei? Mubvunzo wekutaura.

Ngationei, ngatiite masvomhu

Isu tinobva tangodzinga masangano ezvemari ane 40-50% pagore. Hazvina kunaka. Chikwereti chevatengi kubva kubhangi: 20-30%, iyo zvakare inodhura zvakanyanya. Ndakatora 100k, 10k pamwedzi kubhadhara. Kubhadhara zvakanyanya kusvika ku24k. Asi sechisarudzo. Kadhi rechikwereti . Kune makadhi echikwereti asina mubereko. Asi aya ane akawanda nuances nebasa, komisheni, mamwe mamiriro uye faindi. Uye zvakanyanya kujeka mazwi epakadhi rechikwereti, iyo inowedzera mubereko. Kubva 20-30% uye pamusoro. Kana iwe watosarudza, dzidza mamiriro acho zvakanyanya sezvinobvira, ese “nyeredzi uye sub-nyeredzi”. Haufanire kuvhura muganhu we300k nemuhoro we50k. Ndinofunga izvi zvakajeka? ⁉ Chikwereti chezororo chakanangwa. Chakanakira ndechekuti mibairo yakaderera. Asi rwendo urwu runogona kutorwa chete kubva kune imwe kambani uye nezvinangwa zvakajeka: matikiti, kamuri, rwendo.

Usatora chikwereti kuzororo

Asi kana pane basa rakadaro, nyatsoenzanisa zvinopiwa. Dzimwe nguva chikwereti chemutengi chinoshanduka kuva chinobatsira kupfuura chinopihwa nemushanyi. Shandisa karukureta yechikwereti. Zvadaro dzidza zvinokanganisa zveumwe neumwe. Zvirokwazvo vachadaro.

Gara uine chirongwa chekuchengetedza. Uchaita sei kana kadhi rechikwereti rikasashanda muTurkey?

Asi kazhinji, iyi imhando yakatsveyamiswa yemasochism – kuchinjana mavhiki maviri emanzwiro akanaka kwemakore maviri euranda hwechikwereti.

Pane piritsi rinotapira

Pane zvingasarudzwa uye mamiriro ezvinhu apo iwe unogona kutora chikwereti chezororo. Dzimwe nguva zvinotodiwa! Nguva, sei uye sei kuzviita nenzira kwayo, ini ndichakuudza zvimwe.

Ona matombo uye kwete kunyura muchikwereti

Saka, riini chikwereti chezororo chingava zano rakanaka?

Chikwereti chinogona kubatsira kugadzirisa mutengo werwendo

Kana iwe uchinyatsoziva kupi uye rini pauchange uri pazororo, unogona kugadzirisa mutengo wakanaka wematikiti uye pekugara pachine nguva. Mamiriro ezvinhu pasina mari, asi ichave nekukurumidza, uye rwendo rwunoda kutorwa pano uye zvino pane zvakachipa.

Chikwereti chezororo chinogona kutorwa sekudyara

Rega nditsanangure: pane musiyano mukuru pakati pekutora chikwereti (munyaya yedu yezororo) kana usina mari uye kana uine yakawanda.

Paunenge uine mari, asi iwe usingade kutora mari kubva kune yako midziyo: investimendi, bhizinesi. Ngatitii une 500k rubles muzvibatiso pane 2% goho pamwedzi. Ndiyo 10k pamwedzi. Saka sei iwe uchitora mari kubva kwavari kana iwe uchikwanisa kubhadhara mubereko pa5k rubles.

Pane chirongwa chakajeka chekubhadhara chikwereti chakatorwa kuzororo

Uye sarudzo yekadhi rechikwereti yakawanikwa pausingafaniri kubhadhara mubereko. Semuenzaniso, pane nguva yekudzivirira, iyo mune mamwe mabhanga inogona kuva 30-60 mazuva. Vamwe vanodzorerawo mari kubva parwendo kudzokera kumakadhi. Nguva yenyasha nemamwe mamiriro ezvinhu anosiyana zuva nezuva. Inoda kunyatsotariswa.

Asi ini ndiri kupesana nekutora zororo rakadaro nepfungwa: rimwe zuva ndichachema.

Asi mukuona kwangu, zviri nani kuchengetedza mari yezororo. Kwete hazvo mune cache. Kudzivirira inflation kubva pakupamba. Iwe unogona kuchengetedza mune imwe dhipoziti yakasiyana kuitira kuti penny idonhe. Kana kuisa mari muOFZ, semuenzaniso, munguva yezhizha rinotevera uye makuponi achave aripo uye anogona kutengeswa. Iwe unogona kuchengetedza mumwedzi gumi pasina kukuvadza bhajeti rako nechero nhanho yemari. Sei? Ndichakuudza zvimwe.

Chengetedza, enda kuzororo uye usapenga

Iwe unogona kuchengetedza zororo pasina kukanganisa bhajeti yako uye mararamiro. Seti yezviyero izvo muRussia ane avhareji mari kana kunyange yakaderera anogona kutarisa pairi. Tichazvinzwisisa here? Ngatipatsanurei zvese zvinobvira kuita mapoka maviri: kuunganidza nekuchengetedza.

Kuunganidza

Basa rekutanga nderekumisa chinangwa nenguva kuitira kuti usati waenda kuzororo nekukasira usatore zvikwereti uye zvisina kukwana zvinopihwa kubva kune vanoshanya. Semuenzaniso, chinangwa chaicho iTurkey 6/7 mu5 * vakuru vaviri uye mwana we60k rubles. Isu tinokonzeresa inflation, iyo ruble exchange rate uye dzimwe njodzi. Tinowana 80k yatinofanira kuchengetedza mugore rezororo muna August 2024. Ndiko kuti, tinoda kuchengetedza anenge 6,700 rubles pamwedzi. Kuchengetedza 10-15% yemari yeavo vanozofamba gare gare isarudzo inoshanda umo vanhu vazhinji vasingaone kuparara kwemararamiro avo. Ishoma pane inodiwa mari here? Semuenzaniso, nemuhoro we40,000, zvinokwanisika kuchengetedza 4,000. ?

Kufunga kunge investor

Isu tinoshandisa maOFZ kwenguva pfupi. Goho rakakwirira kudarika remari. Kuwedzera kwemari mumhando yemakoni kuchave kusingakoshi, asi kwakagadzikana. Mugore, zvivimbiso zvinogona kutengeswa uye inflation ichaderedzwa. Zviri nani kusapinda mumidziyo inobatsira zvikuru asi ine ngozi usina ruzivo. Kuda zvisungo OFZ-PD uye OFZ-n. Iyo yekupedzisira inogona kudzikinurwa pamberi pechirongwa pamutengo usingapfuuri kukosha kwechiso uye kwete pasi pemutengo wekutenga. Iwe unogona kuvhura account yebrokerage kuti utenge mabhondi, semuenzaniso, muFINAM. Ikoko iwe unogona kusarudza chisungo maererano nemirairo yakatarwa. Isa parutivi 10-15% yemari yese, kwete muhoro chete. Bonus, zvipo, basa renguva pfupi. Kana iwe uchigona kuita zvakawanda, zvakanaka. Zvakadini kana ukaronga upenyu hwako kuva zororo rechigarire? Iyo “basa regore, kuzorora kwemazuva gumi nemana” modhi iri kuita zvishoma nezvishoma. Munguva pfupi yapfuura yakapindurwa

Saving

Nenzira, 6,700 rubles ndiyo inenge mari ye30 pakiti yefodya. Vanhu vashoma vanorega kusvuta nemhaka yenyaya dzemari. Asi ichokwadi chinofadza. Kana uchikwanisa kuchengetedza zviuru zvina zve6,700 zvauri kuda, tsvaga chimwe chinhu chaunogona kuchengetedza chimwe 2,700. Pane zvakawanda zvingasarudzwa. Ndicharatidza dzandinoshandisa. Pane mamwe mazinga, zvinangwa uye nguva dzekupedzisira, asi izvo hazvina basa. Kuronga zvemari . Iva nechokwadi chekuchengeta dhayari rekushandisa. Pepa, zvemagetsi pane smartphone, yakabatana nekadhi rebhangi. Inyaya yekuravira, asi sarudzo yakakura. Pane mukana wekuti uri kusiya 2700 chete yekudya nekukurumidza. Unoida here? Matikiti. Kana iwe uchibhururuka wega, tenga matikiti 2-3 mwedzi isati yasvika. Kubva pachikamu ichocho chebhajheji ichaumbwa muna Kubvumbi 2024. Inodhura. Dzidza nzira. Semuenzaniso, ndege kuburikidza neSochi inogona kunge yakachipa 10-15k kupfuura kuburikidza neMoscow. Kuverenga kwakapusa, masvomhu uye iwe unotoziva nzira yekuzadzisa chinangwa chako.

Izvo zvakakosha chete kuti unzwisise pakupedzisira – ichi ndicho chinangwa chako chechokwadi, kana kuti chinongogamuchirwa? Pamwe zvakakodzera kushandisa zororo kure nevanhu vanenge mahara, uye nekudyara iyo yakachengetwa 80k mubhizinesi, chengetedzo, dzidzo?

Saka Türkiye 2024? Unogona kutanga ikozvino. Tinozvigadzirira nharidzano yedu timene. Tinochengeta, uye kana yabuda, tinochengeta nokuchenjera. Uye mugore tichafunga nezvekuita nehupfumi uhu. Zvinokosha zvinoshanduka, asi matikiti anogona kudzoserwa.

Nzira yekubhadhara zvikwereti nekukurumidza uye nemazvo sezvinobvira

Chengetedza nzira mbiri dzakakurumbira uye dzinoshanda dzakaratidzwa nekutsvaga: snowball uye snow avalanche . Vanenge 50% veRussia vane zvikwereti. Vanhu vazhinji vane chikwereti chinopfuura chimwe/chikwereti. Nhamba dzinoda kugadziriswa. Handizvo here? Uye rudzii rwekudyara rwatinogona kutaura nezvarwo iwe uri muchikwereti chakadzama? Dambudziko harisi kunyange nezvikwereti pachavo. Dambudziko nderekuti vazhinji vari kuedza kudzidzima pasina zano rakajeka. Uye saka vanonyura muuranda hwechikwereti kwemakore, vachibhadhara mubereko, asi vasingadzore chikwereti chechikwereti.

Snowball

Iyo zano ndeyekubhadhara zvikwereti kubva padiki kusvika pakukura.

Kurongeka kunotarwa nemari yaunokwereta, kwete mubereko.

Panguva imwe chete, kune vose kunze kwevaduku, mari shoma inodiwa inobhadharwa. Tinokanda simba redu rose muchikwereti chiduku. Mushure mekuvhara chikwereti chiduku, tinotungamira zvose zvakasunungurwa-zviwanikwa pakuvhara yechipiri, ipapo chechitatu. Zvatinazvo. Nechikwereti chimwe nechimwe chakavharwa, mutoro wepfungwa unoderera. Uye zvakare, sechando chechando, sosi yakaburitswa inounganidza kushanda nemuviri wechikwereti kune zvikwereti zvakakura.

Snow avalanche

Nzira yekudzorera nayo zvikwereti iyo inodzoserwa ichitanga nemubereko wepamusoro.

Mushure mekubhadhara chikwereti nemubereko wepamusoro-soro, vanoenda kune chikwereti nemutero wepamusoro unotevera. Ramba kusvikira zvinhu zvose zvavharwa.

Ndeipi inonyanya kushanda?

Kubva pakuona kwemasvomhu, nzira yechando yechando inoshanda zvakanyanya. Nekufamba kwenguva, snowballing inobhadhara mubereko wakawanda kupfuura nzira yesnowball, iyo inotarisa pamitengo yemubereko. Vanhu, kazhinji, havasi zvisikwa zvine mufungo. Uye mari yemunhu i20% ruzivo uye 80% maitiro. Tsvagiridzo inoratidza kuti vanhu vari kuedza kuderedza chikwereti vanoda “kuhwina nekukurumidza” (kureva, kubhadhara chikwereti chidiki) kuti varambe vachikurudzirwa kuderedza chikwereti chavo chose. Saka, zvibodzwa zvidiki zviri pachena nzira yekuvhara zvinokwezva kune vakawanda. Kana zvinhu zvepfungwa zvisingazivikanwe kwauri uye iwe uri rationalist-masvomhu, saka iwe unofanirwa kutevera nzira yeavalanche. Chinangwa changu ndechekudyara mhodzi yechokwadi uye kuratidza kunzwisisa kwemaitiro. Zvausingafaniri kuita