Utyalo-mali kwiibhondi eRashiya 2024: yintoni abaqalayo ekufuneka bayazi

Inqaku lenziwe ngokusekelwe kuluhlu lwezithuba ezivela  kwitshaneli yeTelegram ye-OpexBot , eyongezwa ngumbono wombhali kunye nombono we-AI. Utyalo-mali kwiibhondi kwi-Russian Federation 2024: inkqubo yemfundo emfutshane, kunye nengcamango yombhali yokuba kutheni iidiphozithi zimbi ngaphezu kweebhondi kwiimeko zangoku.

Utyalo-mali kwiibhondi

Utyalo-mali kwiibhondi (iibhondi) eRashiya yenye yezixhobo ezidumileyo zokuvelisa ingeniso kunye nokwahluka kweepotfoliyo. Iibhondi zizixhobo zemali ezikhutshwa ngurhulumente okanye iqumrhu ukunyusa imali kangangexesha elithile.

Umtyali-mali uba ngumbolekisi kwaye ufumana inzala ngendlela yeentlawulo zekhuphoni ngexesha lobomi bebhondi.

Xa utyala imali kwiibhondi eRashiya, kukho izinto ezininzi ezibalulekileyo ekufuneka ziqwalaselwe. Okokuqala, kuyafaneleka ukuvavanya ukufaneleka kwalowo ukhuphayo. Oku kubandakanya uhlalutyo lozinzo lwezemali zomnikeli kunye namanqaku. Okukhona umlinganiselo uphezulu, kokukhona usezantsi umngcipheko wokungabuyi kutyalo-mali. Okwesibini, izivuno zebhondi kufuneka zivavanywe. Ingeniso yekhuphoni ngowona mthombo wengeniso evela kutyalo-mali kwiibhondi. Ubungakanani bentlawulo yekhuphoni buxhomekeke kwixabiso lebhondi, izinga lenzala kunye nokuphindaphindwa kweentlawulo. Kubalulekile ukuthelekisa imbuyekezo elindelekileyo evela kwiibhondi kunye namanye amathuba akhoyo otyalo-mali kwiimarike kwaye wenze isigqibo esinolwazi. Into yesithathu ekufuneka iqwalaselwe kukungabinamali kweebhondi. I-Liquidity inquma ukukwazi ukuthengisa ngokukhawuleza ibhondi ngaphandle kwelahleko enkulu. Iibhondi ezinomsebenzi wokurhweba ophezulu zibonelela ngemali ephezulu yokuhlawula amatyala kwaye zandisa amathuba okugqitywa ngempumelelo kwentengiselwano. Ekugqibeleni, kubalulekile ukubeka esweni utshintsho kwimeko yezoqoqosho kunye nezopolitiko eRashiya, njengoko zinokuba nempembelelo enkulu kumaxabiso ebhondi. Ukungazinzi kwezopolitiko okanye ukusebenza kakubi kwezoqoqosho kunokuchaphazela imbono yemarike ngomngcipheko kwaye kubangele ukuba amaxabiso eebhondi ehle. Ukongeza, kuyacetyiswa ukuba udibane nabacebisi bezezimali okanye abatyali-mali abaqeqeshiweyo ukuze ufumane iingcebiso ezithe kratya kunye nezomntu malunga notyalo-mali lwebhondi eRashiya. Banokuthathela ingqalelo iinjongo zakho zemali, ukunyamezela umngcipheko kunye nezinye izinto zokukunceda wenze isigqibo sotyalo-mali unolwazi. Apho zithengwa khona iibhondi kwi-terminal yeKwik – umzekelo wokusebenzisa ujongano[/caption]

Awunako ukwenza imali kwiidiphozithi, kodwa kukho enye indlela efikelelekayo: iibhondi

Uluvo lwam: kufuneka uphambane ukuvula idiphozithi unyaka, 5 okanye 10 iminyaka. Ngokukodwa kwii-ruble. Ndikwakuxelela indlela yokunyusa isivuno sebhondi.

Ngezantsi kwexabiso lokunyuka kwamaxabiso: oku kungakanani “unokufumana” kwidiphozithi eRashiya

Ukunyuka kwamaxabiso kwi-Russian Federation ekupheleni kwe-2022 kufikelele kwi-12%. Amazinga angcono kwiidiphozithi zexesha elifutshane (iinyanga ezi-6) ukuya kuthi ga kwi-10% ngonyaka. Amazinga angcono kwiidiphozithi zexesha elide (iinyanga ezili-12 okanye ngaphezulu) zifikelela kwi-7-9%. Kwaye ukurhoxiswa kwangoko kwemali akunakwenzeka ngaphandle kokulahlekelwa yinzala efunyenweyo. Kwaye enye ingxabano echaseneyo: izinga lerhafu kwinzala kwiidiphozithi yi-13%.

Enye indlela kumntu wonke: ukutyala imali kwiibhondi

Iibhondi zilungile kubatyali-mali abalondolozayo. Ezi zizibambiso zotyalo-mali lwexesha elide. Iibhondi zikaRhulumente, emva koko iibhondi zeenkampani ezinkulu zikarhulumente kunye neenkampani zabucala ezinkulu zezona zithembekileyo. Okukhona ibhondi inokuthenjwa kwaye iphezulu ireyithingi yayo, iphantsi ingeniso yayo. Iibhondi ezinomngcipheko owongeziweyo zinika imbuyekezo ephezulu. Izibophelelo ezithembekileyo zinika isivuno sekhuphoni se-12-14%. Yiyiphi ephezulu kunediphozithi. Kancinci, kodwa ngaphezulu kokunyuka kwamaxabiso. Inzuzo ephambili yeebhondi: isivuno siphezulu kunediphozithi. Kwaye kwakhona:

1. Wonke umntu omdala ohlala eRashiya unokutyala imali kwiibhondi.
2. Umda ophantsi wokungena – i-ruble ye-600-1000.
3. Ngokudibanisa iibhondi, umtyalo-mali ekuqaleni uyazi ukuba uya kufumana malini ekugqibeleni.
4. Iibhondi zinokuthengiswa nangaliphi na ixesha ngaphandle kokulahlekelwa yinzala efunyenweyo.
5. Ukwahluka – ungathenga iibhondi kwinani elikhulu leenkampani ezahlukeneyo. Ukusuka kwi-OFZ ukuya kwiibhondi ezinobungozi kunye nomngcipheko ophakathi. Umzekelo, i-75 ukuya kwi-25% kwipotfoliyo yotyalo-mali.

I-Finhack: ukwandisa izivuno zebhondi

Vula i-akhawunti yotyalo-mali yomntu ngamnye. Fumana imali kutyalo-mali kwaye ufumane + i-13% evela kurhulumente kwisixa esifakwe kwi-IIS *. Akukho buqhophololo, kukukhohlisa nje ngesandla. * Kukho i-nuance. Intlawulo ukuya kuthi ga kwi-ruble ye-400k. Ihlala ubuncinane iminyaka emi-3. Kwaye lonke eli xesha imali ibikhexiwe. Oko kukuthi, isivuno 13/3 + 13/2 + 13%. ✔Njengenxalenye yokutyalomali kwexesha elide, endaweni yediphozithi, ndongeza iibhondi kunye nethemba lengeniso kwiminyaka eyi-10-20. Malunga ne-25% ye-securities portfolio. Iibhondi ezininzi zithetha umngcipheko omncinci, kwaye ngokuphambene noko. Ayizizo zonke iibhondi ezenziwe ngokulinganayo . Iibhondi zabaqalayo: indlela yokufumana imali, inzuzo, iikhuphoni, iintlobo zeebhondi: https://youtu.be/Fk1QrZmE9KM

Kutheni kulungile ukungena kwiibhondi xa izinga eliphambili linyuka?

Loluphi ubhejo olungundoqo kuthi, lusichaphazela njani? Izinga eliphambili linqanaba lenzala ephantsi apho iBhanki Ephakathi iboleka kwezinye iibhanki zeRussian Federation, kunye nabo, kubemi kunye namashishini. Enefuthe kwimarike yonke.

Iimali-mboleko kunye neediphozithi

Ukuba izinga liyenyuka, yiloo nto kanye abahlalutyi balindele, ngoko iimali-mboleko ziba zibiza kakhulu kubantu kunye neenkampani. Kwimeko yethu, ukuya kuthi ga kwi-8%. ⬇ Ukunyusa izinga kwenza iruble ibize kakhulu, ukunyuka kwamaxabiso kunye noqoqosho lwehle. ⬇ Abemi bachitha imali encinci, bathatha imali-mboleko encinci: abanangeniso. Imarike ye-mortgage iyawa, iimali-mboleko zemoto kunye neemali mboleko zabathengi azifikeleleki.

Kuyinzuzo ngakumbi ukugcina imali kwiidiphozithi

Ireyithi imisela eyona pesenti iphezulu apho imali inokufakwa khona. Ishishini liyasokola, izikhombisi zemali ziyawa. Iinkampani ezinamatyala kunye nezingenangeniso zikwindawo ekhethekileyo yomngcipheko. Akukho mali itshiphu, kwaye ukubolekwa ngokutsha kwetyala akunangeniso. Ukuvula ishishini elitsha kunzima ngakumbi.

Iibhondi

Xa amaxabiso enyuka, iibhondi ezintsha zikarhulumente zinezivuno eziphezulu. Umtsalane weebhondi ezikhutshwe ngaphambili ziyancipha, njengoko lenza ixabiso. Ngoko ke, i-RGBI iwela nge-1.6% ngenyanga. Amaxabiso ehla, izivuno ziyanyuka. Amaxabiso kwiibhondi zikarhulumente zonyukile kwinyanga ephelileyo. Umzekelo, ngonyaka ukusuka kwi-9.3% ukuya kwi-10.2%. https://youtube.com/shorts/ali067TZe9o?feature=share

Isitokhwe

Imali-mboleko iya ibiza kakhulu, amashishini atyala imali encinci kuphuhliso. Izabelo ziphulukana nemali yokuhlawula amatyala. Kukho ukuphuma kwemali eyinkunzi ukuya kwizixhobo ezingenabungozi kakhulu – iibhondi kunye neediphozithi.

Ndithini ke?

Asothuki; xa izinga eliphambili linyuka, sithenga iibhondi zikarhulumente zexesha elifutshane kunye nezexesha eliphakathi ukuze sithenge imiba enenzuzo ngakumbi kwixesha elizayo xa izinga linyuka. Asithathi mboleko, sinokuthatha iidiphozithi.