Lapho ungatshala khona imali [kunyaka_wamanje] kumtshali-zimali osanda kufunda: inani elincane kanye nolwazi oluncane

Lesi sihloko sidalwe ngokusekelwe ochungechungeni lokuthunyelwe okuvela  esiteshini se-OpexBot Telegram , okungezelelwe umbono wombhali kanye nombono we-AI. Lapho e-Russia umtshali-zimali osanda kuqala engatshala imali ku-2024: inani elincane kanye nolwazi oluncane.

Lapho ungatshala khona ngokuhlakanipha futhi ngaphandle kwemizwa ngesikhathi senhlekelele [onyaka_wamanje] – ngisho nosaqalayo angakwenza, amaphesenti azokutshela

Kunzima ukwedlula ukwehla kwamandla emali, kodwa ake sizame. Noma okungenani hlukana. Yebo, ukuze kuphephe uma kuqhathaniswa. Ngakho-ke, ukwehla kwamandla emali ekupheleni kuka-2022 kwakungama-12%.

Amabhondi

10-14% isivuno. Kunezinketho lapho ubungozi buzoba ngokulinganisela. Uchaze ukuthi kungani ukutshala imali kumabhondi kungcono kunokuyisa imali ebhange. Ngeke ngiziphinde. [i-id yamagama-ncazo = “okunamathiselwe_1856″ align=”aligncenter” wide=”599″] Amapharamitha angukhiye webhondi[/caption]

“Ama-Blue chips” – amasheya e-echelon yokuqala ye-Russian Federation

Ngokuhamba kwesikhathi, izinkampani eziningi zikhula kancane kancane. Abaholi bokukhula konyaka Sber +92%; I-MTS +40%; I-NOVATEK + 25%; I-Tatneft +9%. Imininingwane eyengeziwe lapha . Futhi ama-divas amade akhokha. Kulo nyaka ama-diva akhokhile, noma azokhokha, iSberbank, iBeluga Group, i-NOVATEK nabanye. Kodwa kunezibonelo eziphambene: ukuwa kweGazprom, isibonelo. Ukuhlukahluka kuyadingeka. [i-id yamagama-ncazo = “okunamathiselwe_12311″ align=”aligncenter” width=”730″] Ama -chips aluhlaza okwesibhakabhaka emakethe yesitoko yaseRussia[/caption] Ukuhlanganisa iphothifoliyo ngobuhlakani kuwumsebenzi onzima koqalayo. Uma ungenaso isikhathi sokukuthola, khona-ke:

Izimali ezihlanganyelwe kanye nama-ETF – amaphothifoliyo enziwe ngomumo

Ikuvumela ukuthi utshale imali encane. Isibonelo, ngokuthenga ingxenye yesikhwama sokutshala izimali esihlangene esixhunywe ku-Index yaseMoscow Exchange, uzotshala ngokushesha kuwo wonke amasheya ezinkampani ezihamba phambili zaseRussia. Amabhonasi: ukukhetha okubanzi, ukwethembeka, ukudonswa kwentela. Inzuzo ingaba ngu-20-30% ngonyaka. Ulwazi lutholakala esidlangalaleni.

Igolide

I-13.26% ibuye ngonyaka odlule. Inketho yokusebenza yokutshalwa kwezimali kwesikhathi eside. Ngokuhamba kweminyaka, intengo yensimbi eyigugu iyanda kuphela, futhi ngezikhathi zobunzima, ukukhula kuyashesha. Hhayi-ke, ukuthengisa/ukushintshanisa igolide kukusiza ukuthi usinde esimweni esibucayi.

Engingeke ngikuncome

1. Idiphozithi. 8-10% ngonyaka . Ukwehla kwamandla emali kuzowina. Okwamanje awekho amadiphozithi eRussia angadlula ukwehla kwamandla emali ngokwemibandela yamaphesenti. Futhi inkinga yamabhange ayikakakhanselwa. Ama-capsules we-Dummy angatholakala nase-Russian Federation.
2. Imali . 0% ngonyaka. Imali kumele isebenze. Ngaphansi komatilasi, ukheshi wehliswa ngenxa yokwehla kwamandla emali nsuku zonke. Futhi bangase “bagoqwe” yizingane, “abakufunayo” ezingalindelekile nezidingeka kakhulu, noma amasela. Kufanele kube khona ukheshi, kodwa njengomcamelo wezezimali ongakwazi ukuwufinyelela ngokushesha.
3. Izindlu ezithengiswayo ukuzinza. Ukutshalwa kwezimali kwezindlu kungenye yamathuluzi aphephe kakhulu atholakalayo namuhla. Kodwa hhayi nganoma iyiphi imali.

https://youtu.be/l7xdYiKhXPU

10% ngonyaka ngaphandle kwengozi – ezindlini, izingane, Goa kanye disco

Ngizokwengeza imininingwane yokuthi ungatshala kuphi ngokuhlakanipha futhi ngaphandle kwemizwa ngesikhathi senhlekelele [onyaka_wamanje]. Ifanele labo abatshalizimali abanokubekezela okuphansi kwengozi. Noma, njengengxenye yephothifoliyo yokutshalwa kwezimali, lapho umsebenzi oyinhloko uwukugcina imali enkulu nokuvikela izimali ekukhuphukeni kwamandla emali. Kukhona izivivinyo eziningi zokunquma ukubekezelela ubungozi ku-inthanethi. Amathuluzi atholakala kuwo wonke umuntu ukuze athengwe ku-MOEX, noma ngomdayisi u-Tinkoff nabanye. Ngesigidi esinemibandela sama-ruble sithatha: Ngamabhondi angu-300-400k* . 50 kuya ku-50%. I-OFZ ku-9-10%. Futhi amabhondi ezinkampani ku-10-15% anengozi ephansi. Isibonelo: i-Seligdar, i-Norilsk Nickel, i-Sberbank nabanye abakhiphi abathembekile. Ngamabhondi angu-300-400k nge-yuan. Isivuno kusuka ku-4%. Ukutshalwa kwezimali okuphephile nenenzuzo kakhulu emalini yangaphandle okwamanje. Izimali ezifakwa ebhange ku-yuan zingaphansi kuka-3%. I-Yuanization yomnotho isanda kuqala. Ivolumu yokuhweba nge-yuan ikhula inyanga nenyanga. Ngokungeziwe emalini engenayo evela kumakhuphoni, kunenketho yokuzuza ngokuhluka kwesilinganiso sokushintshaniswa. I-Polyus, i-Segezha, ne-RUSAL inamabhondi enziwe nge-yuan. Uhlu olugcwele lubandakanya inqwaba yabakhiphile. *Kuchazwe ngenhla ukuthi kungani ukutshala imali kumabhondi kungcono kunokuyisa imali ebhange. Ku-150-300k izitoko ze-blue chip . Sikhetha labo abakhokha ama-divas. Abantu abaningi bayakhokha, kodwa hhayi bonke. Ukuzinza kwezinkokhelo zezabelo kuboniswa yinkomba ye-DSI. Kodwa masiyigcine ilula. Ngo-2023 nge-divas: Sberbank, Norilsk Nickel, Lukoil, Tatneft yamemezela ngokoqobo inkokhelo namuhla. Ngegolide lika-150-300k . Ngesikhathi sezinkinga, insimbi eyigugu ihlale ikhuphuka amanani, njengoba kwenza amasheya ezinkampani ezimayini. Abaningi bakhokha nama-divas. Pole, Seligdar. Lokhu kuzinzile +8-10% ngonyaka. Kanye nezinzuzo. Lena iphothifoliyo engenabungozi, okungenani, ezokongela imali.

Akusona iseluleko sokutshala imali komuntu ngamunye. Khumbula ukuthi ukutshala imali ezibambiso kuhlale kuyingozi.

I-TOP 5 amathiphu abalulekile wokutshala imali kumtshali-zimali we-novice

1. Hlukanisa iphothifoliyo yakho: Ungawabeki wonke amaqanda akho kubhasikidi owodwa. Ukuhlukanisa iphothifoliyo yakho kungasiza ekusabalaliseni ubungozi futhi kungase kwenyuse imbuyiselo.
2. Iba nomkhathi wokutshala imali wesikhathi eside: Ukutshala imali kuwumdlalo wesikhathi eside, futhi ukushintshashintsha kwezimakethe zesikhathi esifushane akufanele kukuvimbele isu lakho lokutshala imali.
3. Qonda ukubekezelela kwakho ubungozi: Yazi ukuthi bungakanani ubungozi ozimisele ukubuthatha. Lokhu kuzokusiza wenze izinqumo zokutshala izimali unolwazi futhi unqume isu lokutshala imali elifanele ukubekezelela kwakho ubungozi.
4. Gcina imizwa yakho ilawula: Ungenzi izinqumo zokutshala izimali ngokungananazi ngokusekelwe emizweni efana nokwesaba noma ukuhaha.
5. Zenzele olwakho ucwaningo: Unganciki kuphela eselulekweni sabanye. Kubalulekile ukuthi uzenzele olwakho ucwaningo futhi usebenzise ngokucophelela lapho wenza izinqumo zokutshala izimali.

Ungatshala kuphi imali ukuze uthole imali engenayo ku-2024: icabangani i-artificial intelligence?

Ukutshala imali kuphi kuwumbuzo okhathaza abaningi. Maningi amathuba emhlabeni okutshala imali yakho futhi uzuze impumelelo yezinto ezibonakalayo. Kodwa-ke, ukukhetha ukutshalwa kwezimali okufanele kungaba yisici esibalulekile esinquma impumelelo noma ukwehluleka ebhizinisini elinikeziwe. Ngemva kokufunda amathuba ahlukahlukene, singabona izindawo ezimbalwa ezibalulekile ezithembisa ukutshalwa kwezimali. Okokuqala, amasheya angenye yezimali ezithandwa kakhulu. Ukuhweba ngokushintshana kunikeza ukukhetha okubanzi kwamasheya ezinkampani ezihlukahlukene, kusukela ezinkampanini ezinkulu zamazwe ngamazwe kuya kwabaqalayo abancane. Ukutshala imali esitokweni kungaletha izinzuzo ezinhle, kodwa kudinga ukuhlaziya ngokucophelela imakethe kanye nenkampani ohlela ukutshala kuyo. Okwesibili, indawo yokuhlala iyinto yokutshala imali ezinzile futhi evamile. Ukuthenga izindawo zokuhlala noma ezohwebo kunganikeza imali engenayo ezinzile ngendlela yokuqasha noma amathuba okuthengisa kabusha esikhathini esizayo. Kodwa-ke, ukuze utshale imali ngempumelelo ku-real estate, udinga ukukhetha kahle indawo futhi uhlaziye imakethe. Okwesithathu, ukutshala imali ebhizinisini lakho kungenye yezindlela eziyingozi kakhulu, kodwa futhi ezingase zibe nenzuzo. Ukuba nebhizinisi lakho kukunika ithuba lokulawula inzuzo yakho, kodwa kudinga ukutshalwa kwezimali okukhulu nesikhathi. Ukukhetha indawo yebhizinisi nokudala isu elisebenzayo yizici ezibalulekile zempumelelo ekutshalweni kwezimali okunikeziwe. Okokugcina, akufanele sikhohlwe mayelana nokuhlukanisa iphothifoliyo yokutshala izimali. Izinhlobonhlobo zezinhlobo zempahla—izitoko, amabhondi, izibambiso, imali eyimfihlo—zingasiza ekunciphiseni ubungozi futhi zinikeze imbuyiselo ezinzile yesikhathi eside. Ukuze utshale imali ngempumelelo ku-real estate, udinga ukukhetha kahle indawo futhi uhlaziye imakethe. Okwesithathu, ukutshala imali ebhizinisini lakho kungenye yezindlela eziyingozi kakhulu, kodwa futhi ezingase zibe nenzuzo. Ukuba nebhizinisi lakho kukunika ithuba lokulawula inzuzo yakho, kodwa kudinga ukutshalwa kwezimali okukhulu nesikhathi. Ukukhetha indawo yebhizinisi nokudala isu elisebenzayo yizici ezibalulekile zempumelelo ekutshalweni kwezimali okunikeziwe. Okokugcina, akufanele sikhohlwe mayelana nokuhlukanisa iphothifoliyo yokutshala izimali. Izinhlobonhlobo zezinhlobo zempahla—izitoko, amabhondi, izibambiso, imali eyimfihlo—zingasiza ekunciphiseni ubungozi futhi zinikeze imbuyiselo ezinzile yesikhathi eside. Ukuze utshale imali ngempumelelo ku-real estate, udinga ukukhetha kahle indawo futhi uhlaziye imakethe. Okwesithathu, ukutshala imali ebhizinisini lakho kungenye yezindlela eziyingozi kakhulu, kodwa futhi ezingase zibe nenzuzo. Ukuba nebhizinisi lakho kukunika ithuba lokulawula inzuzo yakho, kodwa kudinga ukutshalwa kwezimali okukhulu nesikhathi. Ukukhetha indawo yebhizinisi nokudala isu elisebenzayo yizici ezibalulekile zempumelelo ekutshalweni kwezimali okunikeziwe. Okokugcina, akufanele sikhohlwe mayelana nokuhlukanisa iphothifoliyo yokutshala izimali. Izinhlobonhlobo zezinhlobo zempahla—izitoko, amabhondi, izibambiso, imali eyimfihlo—zingasiza ekunciphiseni ubungozi futhi zinikeze imbuyiselo ezinzile yesikhathi eside. kodwa futhi izinketho ezingase zibe nenzuzo. Ukuba nebhizinisi lakho kukunika ithuba lokulawula inzuzo yakho, kodwa kudinga ukutshalwa kwezimali okukhulu nesikhathi. Ukukhetha indawo yebhizinisi nokudala isu elisebenzayo yizici ezibalulekile zempumelelo ekutshalweni kwezimali okunikeziwe. Okokugcina, akufanele sikhohlwe mayelana nokuhlukanisa iphothifoliyo yokutshala izimali. Izinhlobonhlobo zezinhlobo zempahla—izitoko, amabhondi, izibambiso, imali eyimfihlo—zingasiza ekunciphiseni ubungozi futhi zinikeze imbuyiselo ezinzile yesikhathi eside. kodwa futhi izinketho ezingase zibe nenzuzo. Ukuba nebhizinisi lakho kukunika ithuba lokulawula inzuzo yakho, kodwa kudinga ukutshalwa kwezimali okukhulu nesikhathi. Ukukhetha indawo yebhizinisi nokudala isu elisebenzayo yizici ezibalulekile zempumelelo ekutshalweni kwezimali okunikeziwe. Okokugcina, akufanele sikhohlwe mayelana nokuhlukanisa iphothifoliyo yokutshala izimali. Izinhlobonhlobo zezinhlobo zempahla—izitoko, amabhondi, izibambiso, imali eyimfihlo—zingasiza ekunciphiseni ubungozi futhi zinikeze imbuyiselo ezinzile yesikhathi eside. Sengiphetha, wonke umtshali-zimali kufanele akhumbule ukuthi ukukhethwa kwento yokutshala imali kufanele kuhambisane nemigomo yakhe, amandla ezezimali kanye nezinga lobungozi azimisele ukubhekana nalo. Ukuhlaziya ngokucophelela kanye nocwaningo lwemakethe kuyingxenye ebalulekile yokutshala izimali ngempumelelo. Futhi-ke, kufanele kukhunjulwe ukuthi ukutshala izimali kuyisinqumo somuntu ngamunye futhi kudinga ukuqapha nokucabangela.