Ngo okuyinto ibhange ukutshala? Noma hhayi kuphela ebhange ...

Othile ukubeka imali ngosuku oluna imvula, abanye ngoba ikusasa eliqhakazile. Kodwa ngaphambi kokuba ahambe ngokushesha noma kamuva nawu umbuzo - kanjani uwagcine? Gcina ekhaya ekamelweni ngaphansi inqwaba izingubo nakanjani ongenangqondo, ukuthi ashiye izinga lokwehla kwamandla emali kancane emisebenzini amasenti, kodwa namanje yingozi.

Ngo okuyinto ibhange ukutshala? Okusanda, ngazama ukuxazulula lo mbuzo ngokwakho. Nansi ucwaningo lwami emfushane kulesi sihloko.

Okokuqala - kufanele zifakwe ohlelweni lomshwalense isimo imali ebhange. Manje inani isinxephezelo ayizinkulungwane 700. Ruble. Kodwa uhulumeni ucubungula udaba okwandayo lomkhawulo ukuba 1 mln. Ruble, kusukela ngo-January 1, 2013.

Ngakho-ke, kunengqondo ukuba sisale esikhungweni yasebhange isamba esingeqile umkhawulo zamanje. Khona-ke, esimweni bokuhlukaniswa ilayisensi ebhange uzobe ngokugcwele sibuyiselwe kumnikazi waso.

Umbuzo olandelayo ukuthi kumelwe zixazululwe bona, kuba isikhathi esingakwazi ukuhoxisa ngokuphepha kusuka ibhajethi umndeni lemali anqwabelene. Ngokuvamile amabhange ukunikela imigomo kuqhathaniswa ezikhangayo imali, kodwa inkathi eyiminyaka engu-3-5 wanelisekile neze nathi. Akwaziwa ukuthi yini isimo obungenza ngalesisikhathi emakethe yezimali, kanye ezimpilweni zethu siqu, futhi.

Manje Sichaza lwemali lapho ukugcina imali yabo kangcono. abahlaziyi lwezezimali ngazwi linye belulekwa ukuba makudle the ruble. Lezi zimali Manje enenzuzo kakhulu.

Kodwa uma uzibekela eceleni imali uhambo phesheya, kungase kunengqondo ukuba sivule i-akhawunti lwemali latawudzingeka kwakudingeka ngokuhamba kwesikhathi.

amabhange amaningi anika multicurrency ezifakwa noma insimbi. Lapha, njengoba besho, indaba ukunambitheka. Kodwa endabeni ka-kuvulwa idiphozi metallic kuyafaneleka ukucabangela ukuthi ayikho ngaphansi umshwalense.

Ngisho noma unqume kakade, lapho ibhange izimali, hhayi lazy kakhulu ukuba sihlole ngokucophelela izimo imali ukuthi inikeza. Okungukuthi kungenzeka ubuyise i-akhawunti, ekuseni ukuyivala ngaphandle kokulahleka esikhulu kulokhu, ngabe ngokwengxenye ukususwa amaphesenti inikezwe.

Ayinangozi uzoyilalela ezihlukahlukene ukwabelana iholide amabhange, ngesikhathi lapho angamvusa zenzalo ngeqhaza ngamunye. Futhi ngezinye izikhathi, imali entsha oholela kangcono ovulekile futhi. Ngenza ukukhetha kwami kokugcina ngakho.

Ngaphezu kwalokho, ungakwazi ukunikeza ikhadi lemali, okuzokwenza idluliselwe isithakazelo idiphozi.

Ngokubona kwami, umbuzo obalulekile - noma isevisi ye-Inthanethi Banking inikezwe. Uma kukhona akudingeki ukuza ebhange ukuhlola isimo se-akhawunti yakho, ungakwazi ngasiphi isikhathi ukukwenza ekhaya, ihlezi ikhompyutha.

Ngakho, lapho ibhange ukutshala? Ngicabanga ukuthi nawe wenze izinqumo ezinhle, ikhumbula isimo lawo lokuphumula. Mhlawumbe wena okunqumayo kuyoba ukuthi lokhu yasebhange budebuduze nasekhaya ...

Ukuze omunye ukhetho best - ukutshalwa kwemali lwemali. Nakuba abahlaziyi baxwayisa ngokuthi izikhathi ezinzima izimakethe zezimali eYurophu. I-euro exchange rate kulesi simo ngeke neze ukufinyelela ekhungathekisayo eziphakeme. Futhi isimo sezomnotho US akusho azimhambeli inkulu kakhulu ukukhula dollar.

Uma uyeka ngoba ukutshala imali amatshe ayigugu (ngiqonde ukuthengwa zemali nemigoqo) Khona-ke, ngokuvumelana namandla okubakhona kwemakethe, Kungcono ukuthenga esiliva, ngoba kwekulu kwamanani kulindeleke phezu kwakhe.

Kodwa-ke kuyoba umbuzo futhi mayelana nokugcina ukuthenga kwabo. Lapha ngaphandle idiphozi ibhokisi abakwazi ukwenza ngokunembile.

Manje ngoba sewuyazi ukuthi lapho ibhange izimali. Kodwa uma ibhange olulodwa? ..

Kukhona nokutshalwa kwezimali kweminye imikhakha inzuzo. Ngokwesibonelo - ingcebo. amanani izindlu ezikhulayo. Futhi ukulethwa ukuqasha yayo kuzoletha imali ekahle. Kodwa kukhona caveat ukuthi kuyinto efiselekayo acabangele. Uma ngokungazelelwe kudingeka imali ngokushesha, ukudayiswa umhlabathi - inqubo kunalokho eside.

Bambalwa nokho banquma ukutshala imali mutual funds (mutual funds). Lapha, inzuzo yakho kuyoba kuncike ngokuphelele kukhethwa Isikhwama mutual. Yenza lokho kukhetha ngokwakho kahle cishe kungenakwenzeka. Nakanjani kudingeka usizo lochwepheshe.

Lapho ilungelo imali? Lo mbuzo kuyodingeka ukuxazulula cishe wonke umuntu ngokushesha noma kamuva.

Kodwa ngaso sonke isikhathi nikhumbula ukuhlakanipha ethandwa. Ngikhuluma ngani amaqanda, okuyinto angeke abeke kubhasikidi efanayo.