Nomazvo mubhizimisi, kana kuti mari kupi mari yokufudza ngozi uye kugamuchira vimbiso mari.

zvinyorwa zvakasiyana, zvatinofarira rakapiwa zviridzwa siyana. Sei kunzwisisa seanopokana uye kupi mari zvinobudirira zvikuru?

Investment boka

Zvinosuruvarisa, akakodzera mubhizimisi wezvinyorwa kunovimbisa kunobatsira mubhizimisi aine Ultra-soro goho uye usingashandi ngozi Inogadzirisa haako. Deposit Nhoroondo dziri mabhanga kubvumira hama kuchengeteka mari, asi vane mari shoma. Mutual mari, uye PAMM-Nhoroondo inogona zvikuru zvinobatsira, asi pangozi yokurasikirwa mari chaizvo. By nhamba kudzoka uye ngozi dzose zvishandiso mari nyanzvi conventionally mapoka mapoka matatu:

1. weConservative. It kunoratidzwa yakakwirira liquidity uye kuchengeteka zvinovimbisa risingamboshandisi azvipire profitability. Izvi zvinosanganisira dhipoziti Nhoroondo dziri mabhanga, simbi dzinokosha (Gráfica, mari), mamwe pfuma.

2. Nemwero. Dzinoratidzwa yakakwirira runovimbisa kuchengeteka uye Zvichakadaro nenhanho goho (kusvika 35% pagore). Izvi zvinosanganisira mari mumabhizimisi, mamwe mose mari uye Real Estate.

3. Aggressive. Inozivikanwa se mikana yokuwana kumusoro (100% pagore) uye yakakwirira pangozi yokurasikirwa zvose kana zvinenge zvose. Izvi zvinosanganisira PAMM-nhoroondo uye mamwe yakawiriranwa mari.

inivhesitimendi Portfolio

A yakadzikama mubhizimisi Portfolio, zvinosanganisira zvose mapoka matatu mari, zvinopa mukana kwete chete kuchengetedza asiwo kuwedzera ravo guru. The mugove mumwe boka iri Portfolio anoenderana zvaunotarisira uye ngozi kudya. Zvinotevera tafura rinoratidza maviri rakajairika yokusvika bhizimisi uye akataura kwavari nemari reshiyo:

Tools kuponesa pakapfava iwe funga pachako

bhizimisi iri kuti hasha vanoita

kunokosha zvikuru uye vanoda pangozi

Kuchinja 50% 20%

Pakati Nepakati 40% 30%

Aggressive 10% 50%

Pfungwa Portfolio mari yakanga paakavapa Nobel Prize muna 1990 uye zvave kuzviita kuti ubudirire. Sezvamunoda, unogona kusarudza apo mari, uyewo kuwedzera kana kutapudza mugove mumwe boka racho Portfolio.

Investment Ezvemutauro

We funga nhanhatu dzinokosha zvikuru yakakurumbira mubhizimisi motokari kuti vanoita vakawanda kusanganisira nemigove mumabhizimisi dzavo.

Deposit Nhoroondo iri pamahombekombe. Most rinowanzoreva kumwe inivhesitimendi zviridzwa. The chikuru mukana Bank deposits kuti mubhizimisi unogona kutora rose kana kuti chikamu chero nguva. The chikuru drawback - yakaderera kufarira rates, izvo vasingawanzotauri kunyange kufukidza mitengo. By bhizimisi mu dhipoziti nhoroondo mabhanga dziri dhipoziti inishuwarenzi hurongwa, uye imi makakohwa kanenge kamari asi unovimbisa mari, izvo zvisiri pasi nokufamba uye rinopa soro nenhanho kuchengeteka mari yako. Zvinokurudzirwa kushandisa kuti kuchengetwa, kuunganidza mari uye / kana kuti kufukidza zvisingatarisirwi mari.

Gold. Kana tikafunga zvinhu goridhe (Gráfica, mari) uye kwete rakapotsa munhoroondo, ipapo ndezvenguva kuchinja inivhesitimendi zviridzwa. Huru payakaipira:

• sarambidzika okuwedzera mari, izvo dzinosanganisira kutengwa uye kuchengetera nendarama nezvimwe simbi dzinokosha (kutenga mutero, wakachengeteka nokuda rendi, inishuwarenzi);

• nekusagona kufanotaura mutengo, somuenzaniso, mumakore achangopfuura, ndarama iri kuratidza refu goho, apo, kusvikira ichangopfuura, kwemakore anoda kusvika 20 makore, mutengo yakaramba nenguva chechetere.

twa ichi inokurudzirwa kuti pave Kudzikamiswa mari kana mikuru ukapisa murwi zvakadai nematambudziko munyika yose, hyperinflation, uye zvichingodaro. N. Sezvo goridhe uye anokosha simbi dziri uncorrelated nevamwe zvinhu (Real Estate, kuchengetedzeka, uye zvichingodaro. P.), kuvapo kwavo muna wako mari Portfolio achadzivirira wako guta kunyange tikafunga kudonha pamusika wemari.

Real Estate. Inogona kunzi vose kuchinja uye akanaka Chinoshandiswa inivhesitimendi. Kana kutenga Real Estate kuti vaunze mari kunokosha, chokutanga, kuti pakutanga yakawanda, uye chepiri kuti kukwanisa kuongorora kumusika uye kunzwisisa pfungwa yacho. Zvikasadaro, mari iyi inogona kuva nzira inobudirira. The huru payakaipira - mari nazvo uye kugadziridza, depreciation. Kana pfuma Rental - anonyengera varimi, izvo zvinogona kukonzera kukuvara pfuma yako, kana Somuenzaniso, pazasi mafashamo vavakidzani uye pakudaro kumanikidza iwe mamwe mari. Pasinei nokuti pakuunganidza Real Estate hakurevi chinhu, anogona kuita basa rakanaka kana riri panzvimbo yakanaka, kunyange munguva dzenhamo, zvinhu zvakadai angawana varimi avo nyore.

Business inivhesitimendi. Zvakakodzera kusarudza mari chinhu, ane kuvimbika kunosimbiswa rubatso vemapato rechitatu uye / kana rubatso, mari iyi inogona kunzi pakati nepakati inivhesitimendi chiridzwa. The chikuru mukana dzebhizimisi mari - mubereko prices dzakakwirira kupfuura pamahombekombe deposits, sezvo imi ngaateme kuti chikwereti zvakananga, kureva pasina kunobatanidza middlemen. The huru drawback wokusarudza basa mubhizimisi iri Internet - munzvimbo dzakawanda hakuna anoitisa Mutengo muzvirongwa akabvuma. Somugumisiro, hazvivimbisi kuti mutsividzo uye profitability kuti inivhesitimendi.

Zvisinei, munguva pfupi yapfuura, pane nzvimbo paIndaneti zvikwereti kuti, Ponesai huru zvinobatsira - mwero iri zvikwereti kubva 15 kusvika 35% vakakwanisa kupa yakakwirira runovimbisa kuchengeteka paakapiwa mari, pachena uye Accessibility vose vanoita uye anokwereta:

1. akavimbika uye ukoshi. Projects inobudiswa pamusoro anokwereta exchanges yakadaro chete pashure pakuongorora kuvimbika uye solvency. Somugumisiro muunganidzwa uye kuongorora mashoko chaiko, pane akazivisa mamiriro ezvinhu (magwaro inodzorwa, kwakavakirwa Kuongororwa management nhau uye somugumisiro pachake macheki, inoitiswa unyanzvi ari zvemabhizimisi) vanoita vanogamuchira zvose zvakafanira mashoko ari pamusoro tarisiro pakukura uye zvinogona njodzi zvebhizimisi zvinogona anokwereta.

2. inopikira ose achauya nematsive. Wazvipira kuti anokwereta kuti makambani akapa rubatso kumapati rechitatu kana rubatso.

3. Risk Management. Zvichienderana nzvimbo yokutaura pangozi zvakanaka, unogona kusarudza kumusoro-goho muzvirongwa pamwe rakavimbika repasi yavose sezvavakatarirwa uye solvency, kana vanopedzisira bhizimisi rine dzakakwirira ratings Kugadzikana, asi nezvishoma wakakodzera prices pamusoro zvikwereti. Unogonawo kuita zvikwereti chete kuti chikamu huwandu akakumbira mune boka mamwe makambani.

Mutual mari. Zvichienderana mhando Fund (chisungo mari, "machipisi zvitema", zvivako uye zvichingodaro. P.) Uye mubhizimisi manyorero basa kambani (somuenzaniso, kambani anoda anogoverana makambani kukura nokukurumidza) kwakadai bhizimisi zvinogona kunzi vose yakadzikama uye nehasha inivhesitimendi zviridzwa. The chikuru zvinobatsira - haatarisiri makuru kutanga Investments, kushandisa mari yako mamaneja ounyanzvi. Huru payakaipira:

1. Kuoma kunzwisisa chisarudzo. Pari zvino pane yakawiriranwa mari pamusoro 30.000 munyika, izvo zvinowanzoita kuti chokwadi kuti asarudze zvikuru akakodzera zvinangwa zvenyu chete nenyanzvi inogona mari.

2. No Warranties. By mutemo, mari yakawiriranwa vane kodzero yokutaura chete nenhanho profitability pakati yapfuura nguva. Somugumisiro, ngozi reshiyo uye profitability anogona kuva chero t. K. The goho riri usatsungirira, asi recoveries asina kodzero.

3. Incremental mari. raira basa anosvika 5% of kwezvavakaisa goho, uyewo basa Management Makambani muchimiro wegore negore deductible ndivo, izvo aibhadhara utariri kambani, kunyange kana mari anotambura varasikirwa.

PAMM-nyaya. Chimwe chezvinhu hasha inivhesitimendi zviridzwa. Apa pane zvose nokukurumidza uye zvinobatsira zvikuru zvakaoma uye yakakwirira mukana kurasikirwa nemari yose paakapiwa ari pfupi nguva. Kunyange kana ukanyatsosarudza kushandisa nhoroondo yako (muzvinashawo), uyo akanga soro prices yokudzoka kare, izvozvo hazvirevi here yakachengeteka uye kunobatsira inivhesitimendi.

pfupiso

Parizvino, zvinobatsira mubhizimisi oga mari iripo anenge munhu wose, pasinei uwandu guru kutanga. Unogona kudzora ruzhinji paIndaneti mubhizimisi, iyo rinokoka kuwanda kwenyu kuita. Kana mawa utariri ose mubhizimisi zviridzwa chinopiwa kuti iwewo rakaoma, Zvinokurudzirwa kuti vasarudze pakati nepakati mudziyo, akadai bhizimisi inivhesitimendi. By bhizimisi mumabasa akasiyana makambani (akadai mukuru-goho uye yakakwirira mutsividzo inopikira), imi vawane basa Portfolio, kutyaira pamwe chete mari chete mudziyo.