Nzira yekuchengetedza mari sei? Nzira yekuchengetedza mari mumatambudziko

Hazvina mubvunzo, mamiriro asina kunaka mumari yeRussia inokuvadza zvakaipa zvehupenyu hwevagari vemo, avo nhasi vari kushamiswa zvachose pamusoro pekuchengeta mari. Mukurwisana nemamiriro ekunze kwekusagadzikana kwemari yenyika, mutengo wamafuta, uye kuderera kwekutsvaga mune imwe nyika, nyaya iyi inokosha zvikuru. Uye hapana chinhu chinoshamisa, kuti vanhu vazhinji vanofunga nezvekuchengetedza mari mumamiriro ezvinhu akaoma zvakadaro.

Mamiriro acho akaomawo akaoma nekusagadzikana mubato rebhangi. Somugumisiro, vagari venyika havasisina chivimbo chakakwana chokuti kuburikidza nemishonga yakadai sebhanki rekuchengetedza kana kuisa, unogona kuchengetedza mari yako pachayo. Uye kuichengeta pamba "pasi petirasi" zvakare kune kure nekanakisisa.

Zvikonzero zvekuderera kwehupfumi

Usati waenderera mberi kune nyaya yekuchengetedza mari, zvingava zvakakosha kuziva kuti nei hupfumi hweRussia huri kupera munguva dzakaipisisa. Zvikonzero zvezviitiko izvi zvinotevera:

1. Hondo yehurumende yenyika dzekuMadokero. Maitiro ezvematongerwo enyika ekutungamira masimba eWestern Europe, kuderera kwechiwandu chevatengesi vemamwe marudzi, uori humwechete - izvi zvose zvakakanganisika zvikuru pamusika wemari.
2. Kutenderera kwehupfumi hweRussia pamatengo emafuta. Zvinosuruvarisa, hupfumi hweRussia hunoenderana nekutengeserana kwezvinhu. Kuwa mubhadharo yemubhairi wemafuta kunotsvaga kuderedza chirwere chebrule, sechikonzero chekuti inhara yepamusoro yebhangi inosimudza chibereko chekuda.

Kufungisisa zviri pamusoro apa, zvakanyanya kuoma kufanotaura kuti zvichange zvakabatsirei kudyara mari, rega kuga kuchengetedza mari.

Expert opinion

Panguva imwecheteyo, vamwe vanoona nezvezvematongerwe enyika vanogutsikana kuti nyika iri mune ramangwana inotarisirwa kuderedza huwandu hwemari inowanikwa mumhuri uye kuderedza mari yekukweretesa mubhizimusi. Muhafu yepiri yegore, mamiriro ehupfumi achavandudza zvishoma nekuda kwekutsvaga mari uye mapurojekiti.

Zvinenge zvose nyanzvi dzinofunga kutenda kuti hupfumi hweRussia, pamwechete nezvimwe zvinhu, huchagadziriswawo nezvematongerwe enyika "chikamu": kuiswa kwemaonero ayo kunyika dzekuMadokero kweEurope, kuedza kugona nzvimbo dzenharaunda.

Kushungurudzwa kwebhengi

Chimwe chimbo chakakomba chinogona kushandiswa kuparadza hupfumi hweRussia ndiyo kusunungurwa kwenyika kubva kune dzimwe nyika SWIFT system. Kana izvi zvikaitika, mukana wekugadzirisa mari dzekuMadokero uye humwe hupfumi, hunoiswa kune dzimwe nyika mabhengi, huchaderedzwa kusvika zero.

Nzira dzekuchengetedza pfuma yako pachako

Saka, sei kuchengetedza mari mumatambudziko? Kune mumwe munhu, iyo yekupedzisira inotyisa, uye kune mumwe munhu - mukana. Ndicho chikonzero nhasi mumwe munhu haafaniri kusarudza kumirira-uye-kuona mafungiro uye kutarisa apo mamiriro ehupfumi munyika yedu acharuramisa. Pane zvinopesana, zvakakosha kuratidza mabasa ose nekuita.

Investments in real estate

Hamuzivi chii chokutenga kuitira kuchengetedza mari? Nzira inobatsira yekutsvaga kwemari inosara uye icharamba iri kutengwa kwenyika, zvigaro zvekugara uye zvekutengesa zvivako zvinhu - iyi "mari yakagadzikana". Zvisinei, usakanganwa kuti zvivako uye mahofisi nguva nenguva zvinodhura, saka iwe unofanira kuzvitenga mumaguta ari kusimukira, uko kukosha kwavo mumakumi emakore anouya kuchava akavimbika.

Tichifunga mubvunzo wezvokutenga kuitira kuti uchengetedze mari, inofanira kuonekwa kuti nokuva muridzi wezvivakwa zvepamusoro, usatarisira kuti iwe uchadzoka mari inoshandiswa mumwedzi mishomanana - izvi zvichatora makumi emakore. Kana iwe usati wakagadzirira kumirira kwenguva yakareba, iwe unofanira kusarudza dzimwe sarudzo dzekuwedzera mari.

Kuchinja kwevatorwa kune dzimwe nyika

Hauna chinonyanya kufunga pfungwa yekuchengetedza mari mumatambudziko? Nzira yakanakisisa ndeyokushandura imwe chikamu che "zvakaoma kuwana" kune mari yekunze (euro, US dollars, Swiss francs). Mukurwisana nechekupedzisira kwekusagadzikana kweruble, chiyero chakadaro chingava chakafanira. Zvisinei, chero zvakadaro, chikamu chemari yako inofanirwa kuchengetwa nemari yenyika, sezvo zvakaoma zvikuru kutarisa kuti zvikwata zvaro zvichave sei panguva iyi kana panguva iyoyo.

Bhizimisi inoshandiswa

Kana iwe uine hanya zvikuru nezvokuti ungachengetedza sei mari kubva kune kutengesa kwezvinhu, ipapo mhinduro yakawanda kune iyo ichave: nekubatsirwa kwebhandi rebhadha. Panguva imwe chete, haufaniri kukanganwa kuti kushandisa shanduro iyi kunobatsira chete kana kuchengetedza kwemari kunoreva kwenguva yakareba, uye kurasikirwa kwemari kunogona kupfuura kudarika. Usati waisa mutoro wako, nyatsoongorora kutendeseka kweimwe kana imwe sangano rebhangi. Kubva pahuwandu hwemabhangi emabhangi, sarudza uyo ane mitemo inokubvumira kubvisa mari yacho zvachose kana zvishoma pasina kurasikirwa kwekufarira. Zvingava zvakanaka kuchengetedza mari yako kwete mune rimwe bhangi rekugadzirisa, asi mune zvakati wandei (nhamba yekuti kuwanda kweimwe dhipatimendi haifaniri kudarika chiyero che 650,000 rubles - vatsigiri vanopa chivimbiso chekudzoka kwebhadhiro kusvika kuma700 rubles).

Dragmetals

Vamwe vanogadzirisa dambudziko rekuchengetedza mari muRussia, nenzira yakararamiro uye inopupurirwa-inotenga zvigadzirwa zvinokosha pavari. Zvisinei, dzimwe nyanzvi dzinofunga kuti izvi hazvirevi mutemo chete, asiwo nzira ine ngozi yekuchengetedza mari. Vanotsanangura maitiro avo nekuti sirivha uye ndarira ndezvokugovana zvinhu, naizvozvo, mutengo wavo unogona kuchinja zvakanyanya. Nhamba huru yeRussia inosarudza kuchengetedza guta ravo negoridhe, sezvo simbi inokosha haisati inodhura, asi inodhura chete. Mukuwedzera, goridhe ine unhu hwekugara kwenguva refu, izvo zvinoreva kuti mumakore zana unogona kuzvitengesa nekunakira iwe pachako.

Investment in mutual funds

Iwe unoda kudzidza kudzidza kuponesa nekuwedzera mari here? Ivaiisa mune imwe yezvivimbiso zvekuvakwa kwezvinhu, izvo mabasa avo achabatanidzwa nekambani yekugadzirisa. Iko rudzi rwekutsinhanisa chinhu chimwe chiyero pakati pebasa mumusika wekutengeswa uye bhadha yemabhangi.

Wakavimbiswa zvikuru maererano nehuwandu hwekubhadhara ndekuisa mari muhutano uye nemari yemari. Zvisinei, gadzirira kuti iwe unoda kukwanisa kutora matambudziko.

Promotions

Kana iwe uine hanya zvikuru nezvekuchengeta mari kana usina kukwana, zvino zvakanaka kuti uzviise mumatanda. Aya mavheti ane unhu hwakanaka, uye kana iwe uchikwanisa kuatora nenzira yakarurama, iwe unogona kuchinja zvakanyanya mararamiro ako emari. Zvakare, mumwe munhu haafaniri kufunga kuti kutengesa uye kutenga chikamu chinhu chakareruka chinouya nehuwandu hwakawanda. Tinofanira kugara tichiziva nezvezviitiko: zuva rega rega kuongorora iyo nhau, kuva mutori panguva yakakodzera muineteti uye kukwanisa kutamba zvakajeka pamusiyano wekuchinjana. Chero mamiriro ezvinhu, iwe wakamirira zvinotevera: kana iwe uchava millioneire, kana iwe uchaparadzwa.

General mazano

Kana iwe usingadi kurasikirwa nemari yako, nyanzvi dzinokurudzira dzinokurudzira kutevedzera kune dzimwe mitemo yekufambisa.

Chokutanga, tanga reserve fund iwe pachako , iyo ichazadzirwa mwedzi wega wega padi ye 10% yemari yako. Kana kamwe kamwe pachava ne "mazuva masikati" muhupfumi, ipapo mari yakatarwa ichakubatsira kuti urambe uchifamba kwenguva yakati. Kana iwe uri muridzi wekambani, iwe unofanirawo kugadzira reserve fund, iyo ichawana mari yezvinhu zvisingafanoonekwi.

Chechipiri, dzidza sei kuchengetedza. Mumakore achangobva kupfuura, uwandu hwekushandisa mumasangano huri kukura kusvika pamwero mukuru, apo zvinhu zviviri zvinodiwa uye zvisingakoshi zvinotengwa. Dambudziko rezvemari rinoderedza kuwanda kwesimba rekutenga, uye mutengi anotanga kushandisa mari nekuchenjera.

Chechitatu, nguva dzose nyatsoongorora mari yemhuri yako. Funga nezvezvinhu zvaunogona kuramba.