Ukubeka - Iyini? Into kanye nokutshalwa kwezimali inqubo

Ngoba bonke abantu ababalulekile njalo umbuzo: "Indlela balondoloze futhi ukwandisa imali?". Uma umuntu efuna ukuthola esiphezulu, ukuze bazondle ngokwabo futhi izingane zabo ikusasa, kubalulekile ukubheka impendulo yalo mbuzo. Futhi uma obefuna Kuyozwakala igama elithi "utshalomali". Kuyinto le ndlela zithembiso amanyathelo imali yabo. Kodwa yini okufanele bayenze ngalo? Ukubeka - kuyini?

amathuluzi

Ukubeka - izotshala ukuze athole inzuzo. Kukhona impela amathuluzi ezimbalwa ezahlukahlukene ukuba sifeze lokhu. Kuyini lokhu? Amathuluzi inqubo ezifana nemali utshalomali - zonke, lapho ungakwazi ukutshala imali. Noma yimuphi omunye ukutshalwa (ngaphandle umgomo ukwenza inzuzo) - kuyinto kwabaswele noma esiza abantulayo. Lokutshala Izimali - yiliphi uhlobo utshalomali lemali, esihlinzeka ithuba ukwandisa inani zibekwe emifushane (noma eside - konke kuncike isu kanye nezidingo abazimele) eside. Kuba sobala ukuthi amathuluzi salokhu inqubo zingase zishintshe kakhulu - kusuka kokuqagela nje ku ukuthengwa / ukudayiswa iqhaza wezimali e emikhulukazi ukwakhiwa noma ukuthuthukiswa lamafutha Amasimu, ezibangela izinzuzo ezinkulu kuncike ekutheni kuqaliswe ngempumelelo. Ngokwemvelo, uma sicabangela ezihlukahlukene okubanzi, kukhona ngezigaba ezithile.

izinhlobo ezitshaliwe

1) utshalomali Real - it is ukutshala imali yokukhiqiza (umkhakha, ukwakhiwa, ezolimo). Futhi ngaphansi lolu hlobo ukuwa kwamanye amafa angaphatheki (copyright, patent), okuyinto ingasetshenziswa izidingo ukukhiqizwa.

2) Smart utshalomali - investimenti ekuqeqesheni, imfundo, isayensi kanye nokunye. Futhi ngaphansi lolu hlobo ukuwa kwamanye amafa angaphatheki (copyright, patent), okuyinto singasebenza izidingo bokusungula.

3) ukutshalwa lwezezimali - kuba ukuthengwa izibambiso, ukutshalwa kwezimali ku idiphozi nokunye.

Okuvame kakhulu zokutshala imali

Esikhathini izincwadi kwezomnotho kungenzeka ukuthola izindlela kokutshalwa:

1) idiphozi (ebhange);

2) ukonga nempesheni izinhlelo umshwalense;

3) izibambiso (amabhondi, amasheya, ongakhetha, izaphulelo kanye nokunye);

4) olwakhiwe imikhiqizo yasebhange ;

5) PIFS (mutual funds);

6) abelana exchange izimali ezahlukene;

7) utshalomali e uthango izimali;

8) Ukutshalwa kwezimali amatshe ayigugu (isiliva, igolide, i-platinum);

9) ukuthengwa noma ukwakhiwa ingcebo;

10) Alternative Investments - kwakudala, ubuciko, lokuqoqa, amagugu nokuningi.

Kuyadingeka ukuqonda ukuthi "into utshalomali" - yikho konke okungenhla (noma into ethize kusukela uhlu). Nge ekwandeni internet engenayo yekwentiwa kwaba litholakale kubantu abavamile. Online nokutshala izimali - ke yithuba ngosizo inethiwekhi emhlabeni wonke ukwenza imisebenzi okuhlotshaniswa wonke amathuluzi ngokusebenzisa intanethi (exchange angaphandle, wayefaka imali ku idiphozi, ukuthengwa amayunithi noma wabelane, nokunye). Ephambi kwezinduna capital enkulu ekuqaleni-up, ungaqala ukuthuthukiswa kwebhizinisi Inthanethi. Kuyadingeka ukuba sicacise ukuthi avela kubo bonke ngenhla utshalomali real - lena uhlobo utshalomali okudinga lemali izimali futhi ngokuvamile omkhulu dolobha umjovo, yingakho iyatholakala ingasaphathwa.

izingozi

Ukubeka - uhlale ingozi. Noma yimuphi ithuluzi libhekene kwasekuqaleni yilo inkomba, kanye nenzuzo yabo. Kunezinhlobo ezintathu imali:

- obuncane;

- sredneriskovye;

- kubangele izingozi ezinkulu.

Phakathi ingozi futhi ukubuya kukhona ubuhlobo: ayanda amathuba inzuzo, izimali okuyingozi. Kuyinto isilinganiso nalezi zindlela ezimbili, futhi inquma Isu lokutshala izimali. Kufanele sicabangele zonke izinhlobo imininingwane.

obuncane

Instruments nge obuncane empeleni angenisa imali yibhange. Isithakazelo kunemibandela ifaniswe ukuvuma ezifakwa emabhange. Leli qembu ingase ihlanganise yokonga kanjalo nezinhlelo zokufundisa umshwalense, izibopho kahulumeni nengamaphepha. Kusobala ukuthi inzuzo lezi amathuluzi cishe ayiqinisekile, futhi zonke etshaliwe kungenziwa ngokugcwele ibuyiselwe emuva zimali. Ubungozi kuphela - zokuchithwa isimo noma inkampani yomshuwalense ukuhlangabezana nezibopho zakhe.

Sredneriskovye

Kulesi sigaba yilezi:

- ezifakwa emabhange kokuthengisa;

- amanothi promissory nezentengiselwano izibopho yasebhange;

- Amasheya izimali ezahlukene (izibopho, ingcebo izimali);

- ukuqasha impahla.

Izinsimbi Zomculo leli qembu ezinye izingozi (kufika ku amahlanu per cent), futhi kwezinye izimo ongafinyelela kuze ezinhle zishabalala ngokuphelele kuzo zonke dolobha. Ngokuvamile kucindezeleka ezinkulu kwezomnotho avuse zinhlekelele global.

ephezulu

Lapha isivuno has empeleni mingcele futhi ingafinyelela emangalisa amaphesenti. Lolu hlobo kuhlanganisa ukwabelana, ibhizinisi siqu, ukuhweba, impahla nezimali, amayunithi Inkomba izimali kanye nokulingana izimali. Lolu hlobo utshalomali - kuba njalo ingozi engathi sína, kodwa futhi inzalo enkulu. I share ezinkulu amaphothifoliyo zomculo ezifana ngokuvamile ingeqi 1-15%. Okuyingozi utshalomali into - it is a yekhasino, lapho inhlanhla ngokuvamile udlala indima ebaluleke kakhulu, ngoba izibalo kakhulu kakhulu sincike nenqwaba kwenzeke.

Uhlelo lokutshalwa kwezimali

inqubo utshalomali - iqoqo ukunyakaza iqondiswe ka notshwala ehlukahlukene yezezimali amazinga ahlukahlukene kanye namafomu. Ukuze wenze lokhu, zikhona eziningi izimo: ukutholakala eyanele imithombo engaba, uyakwazi uthuthuka esikalini esifanele abadlali kwezomnotho. Kulesi indlela, into utshalomali - yilokhu siguqulwe izinsiza utshalomali. inqubo enjalo - isethi yezenzo, kuklanywe ngendlela ekhanga abantu nezinhlangano ezingokomthetho ukuze ukusetshenziswa imali yabo ngokusebenzisa kabusha nokuguqulwa dolobha eyinhloko ukuthola inzuzo ethile. Lokhu kuhilela ngokuyisisekelo amaqembu amabili kuphela: inkampani, umfakisicelo ngokuqondile zimali.

ukuphathwa utshalomali

Ukuze wenze lokhu, kumele ukuqapha isimo sezomnotho lezifunda ngabanye kanye labasemkhatsini nalabakhulu; ukuhlola emikhakheni utshalomali sezulu kanye nezimboni; ukuthuthukisa utshalomali isu amabhizinisi; lokufeza ezomnotho kanye zezimali emakethe isiqondiso kanye Ukuhwebelana; ukuhlola umthelela ukugeleza utshalomali leyo nkampani abayisebenzelayo. utshalomali Real - lena inqubo kakhulu, kudla isikhathi, ngakho kukhona izinyathelo futhi ukwaba izinto inqubo utshalomali, njenge:

- ugqozi utshalomali;

- ukutholakala kwezinhlelo ngenhloso cwaningo;

- ukuthuthukiswa kwesu kanye nokutshalwa kwezimali uhlelo;

- ukutholakala ukusekelwa ngokwezimali esitebeleni;

- umshwalense;

- ukuhlinzeka real utshalomali wemboni ne ezidingekayo izinsiza yezobuchwepheshe nezinto ezibonakalayo;

-regulation kanye nokuqapha inqubo utshalomali;

-Evaluation imiphumela nokuhlela okunye.

A kwempahla zezimali

Ukubeka - iqoqo izinhlobo ezahlukene ukutshalwa kwezimali. amafa lwezezimali - omunye kufinyeleleke kakhulu kuze kube manje. idiphozi Bank nekusisa umsebenzi, futhi ingozi omncane. Nokho, izinga lokwehla kwamandla emali kuba nomthelela omubi kakhulu ezitshaliwe ezinjalo. Lokhu kusho ukuthi ebhange akuyona ngisho insimbi emali lengenako lesemkhatsini, kanye essence wakhe wonke nje kuphela ukulondoloza amafa. Asele imali asikho isiqinisekiso, ngakho kokuhlaziywa kwabo okuningi kunzima futhi eziyinkimbinkimbi ngokwengeziwe, njengoba kudinga khona ulwazi sasivumela ezijulile endaweni ethile.

amafa eziphathekayo

"Income" capital investment - investimenti e izinsimbi eziyigugu kanye nezinye izinhlobo. Ngokwemvelo, isivuno lapha siphezulu kunamanye ukuthi imali. Igolide iminyaka ngeminyaka wawa, futhi kakhulu anda intengo, kodwa ekukhuleni kwayo bekulokhu eziguquguqukayo. Ukutshala imali izinsimbi eziyigugu singenzeka ikusasa izivumelwano, obufana nezinye metal. Futhi lapha akunakubangelwa ingcebo.

Lwemali kanye stock market

Izinzuzo main zalezi zinhlobo ukutshalwa yikhono ukuze utshale izimali ebukhoneni amanani ubuncane, ikhono cishe leso input bese okukhipha izindlela. I ethile eyinhloko kungaba ngokuthi ingozi eliphakeme yokulahlekelwa ezinye noma zonke oyitshalile. Ikakhulukazi labo "isono" Forex emakethe esingavunyelwe ezilungisiwe ezingeni umthetho, kodwa wabathengi uthanda ukubhalisa kuphela sogu lolwandle.