Ndalama zamalonda, Kapena kuti mungagwiritse ntchito ndalama kuti muwononge zoopsa ndikupeza ndalama zowonjezera.

Zosiyanasiyana zimapatsa zokonda zosiyanasiyana. Momwe mungamvetsetse mfundo zotsutsana ndi malo omwe mungagwiritse ntchito mokwanira?

Magulu a ndalama

Mwamwayi, palibe chida chabwino chogwiritsa ntchito ndalama zomwe zingapereke ndalama zopindulitsa ndi zokolola zabwino zomwe zimakhala zochepa komanso zoopsa zochepa. Malipiro a mabanki m'mabanki amapereka chitetezo chokwanira cha ndalama zomwe zimayendetsedwa, koma amadziwika ndi mlingo wochepa wa ndalama. Ndalama zamagulu ndi akaunti za PAMM zingakhale zopindulitsa kwambiri, koma chiopsezo chotaya ndalama ndi chapamwamba kwambiri. Mwa chiŵerengero cha zopindulitsa ndi zoopsa, zida zonse zachuma zimagululidwa m'magulu atatu:

1. Wosamala . Chodziwika ndi kutsika kwapadera ndi chitsimikizo cha chitetezo ndi phindu laling'ono la phindu. Izi zikuphatikizapo kuika ma akaunti ku mabanki, zitsulo zamtengo wapatali (bullions, ndalama), mitundu ina ya malonda.

2. Kukhala oyenera. Amadziwika ndi chitsimikizo chachikulu cha chitetezo komanso pafupifupi phindu lopindulitsa (mpaka 35% pachaka). Izi zikuphatikizapo kuyendetsa bizinesi, mitundu ina ya ndalama zogwirizanitsa ndi malo ogulitsa katundu.

3. Wokwiya. Odziwika kuti ndi mwayi wopeza ndalama zambiri (kupitirira 100% pa chaka), komanso kuopsa kwa kutaya zonse kapena pafupifupi chirichonse. Izi zikuphatikizapo akaunti za PAMM ndi mitundu ina ya ndalama.

Ndondomeko ya ndalama

Kuyika ndalama zolimbitsa malire, zomwe zikuphatikizapo magulu atatu owonetsera ndalama, zimapangitsa kuti zikhale zotheka kusunga, komanso kuwonjezera likulu lawo. Gawo la gulu lirilonse pamalopo likudalira zomwe mukuyembekeza komanso kukonzeka kwa chiopsezo. Gome likuwonetsa njira ziwiri zomwe zimagwiritsidwa ntchito poyendetsa ndalama ndi chiwerengero cha ndalama kwa iwo:

Zida Kusunga chisa

Ndalama za ndalama ndizo kwa inu ndalama zamalonda

Chofunika kwambiri ndipo ndi okonzeka kuchita ngozi

Wosamala 50% 20%

40% 30%

Wokwiya 10% 50%

Malingaliro a ndalama zapakhomo adapatsidwa mphoto ya Nobel mu 1990 ndipo adatsimikizira kuti amachita bwino. Pomwe mukufuna, mungasankhe komwe mungagwiritse ntchito ndalama, komanso kuonjezera ndi kuchepetsa gawo la gulu lirilonse muzochitika zanu.

Zida Zogulitsa

Tidzakambirana za zida zisanu ndi zikuluzikulu zomwe zimagwiritsidwa ntchito poyika ndalama zomwe amalipira ambiri amagwiritsa ntchito pazopoti zawo.

Zowonjezera ndalama m'mabanki. Kaŵirikaŵiri, amawongolera zida zowonongeka. Ntchito yaikulu ya mabanki ndi kuti mungathe kuchotsa ndalama zonse zomwe mwagulitsa kapena nthawi ina iliyonse panthawi iliyonse. Chotsamira chachikulu ndi chiwongoladzanja chochepa, chomwe nthawi zambiri samaphimba mlingo wa kupuma kwa ndalama. Poika ndalama mu akaunti ya mabanki yomwe ili mbali ya inshuwalansi, mumapeza ndalama zochepa koma zomwe simungakwanitse kuti zikhale zosasinthika ndipo zimatsimikizira kuti mumakhala ndi chitetezo chokwanira cha ndalama zanu. Ndibwino kuti tigwiritse ntchito kusungirako, kusonkhanitsa ndalama komanso / kapena kuphimba ndalama zomwe simukuziyembekezera.

Golide . Ngati tiganizira za golide (ingots, ndalama zasiliva), osati momwe zilili pa akaunti, ndiye kuti amatchulidwa ngati zida zowonongeka. Kuipa kwakukulu ndi:

• Zosasinthika zowonjezera ndalama, zomwe zimaphatikizapo kupeza ndi kusungirako golidi ndi zitsulo zina zamtengo wapatali (msonkho pa kugula, kugulitsa malo abwino, inshuwalansi);

• Zomwe simungakwanitse kulingalira mtengo, mwachitsanzo, m'zaka zaposachedwa, golidi ikuwonetsa phindu lalikulu, koma mpaka posachedwapa, kwa zaka pafupifupi 20, mtengo wake wapitirira pa msinkhu womwewo.

Ndalamayi imalimbikitsidwa kuti igwiritsidwe ntchito pofuna kukhazikitsa ndalama zothandizira pokhapokha ngati zovuta zazikulu, monga mavuto a padziko lonse, hyperinflation, etc. Chifukwa chakuti golidi ndi zitsulo zamtengo wapatali sizimagwirizanitsa ndi katundu wina (malo enieni, zotetezedwa, etc.), kupezeka kwawo Ndalama zanu zotetezera ndalama zidzateteza mitu yanu ngakhale potsatira msika wogulitsa.

Malo ogulitsa. Zingatheke kutchulidwa ndi chida chodziletsa komanso choyenera. Pogula katundu pogwiritsa ntchito ndalama zopangira ndalama, m'pofunika, choyamba, kukhala ndi ndalama zoyambirira, ndipo kachiwiri, athe kuyesa msikawu ndikumvetsetsa zochitika zake. Apo ayi, ndalama zoterezi sizingakhale zothandiza. Zovuta zazikulu - mtengo wokonza ndi kukonzanso, kuchepa. Mukamalowetsa katundu - ogulitsa osasamala omwe angasokoneze katundu wanu kapena, mwachitsanzo, kusefukira madzi oyandikana nawo pansi ndikupatsanso ndalama zina. Ngakhale kuti kugula nyumba zogulitsa nyumba sizimatsimikiziranso kalikonse, lingathe kugwira ntchito yabwino ngati ili pamalo abwino: ngakhale panthawi yamavuto, zinthu zoterezi zimapeza mosavuta malo ogona.

Kupereka ndalama mu bizinesi. Pokhala ndi chisankho choyenera cha chinthu chachitukuko, chomwe kudalirika kwake kumatsimikiziridwa ndi chipani chachinsinsi chotsimikiziridwa ndi / kapena chogulitsa, ndalamayi ikhoza kuwonetsedwa ndi chida chokwanira chogulitsa. Ndalama zazikulu zamalonda mu bizinesi - mitengo ya chiwongoladzanja ndi yayikulu kuposa ndalama za banki, popeza mukupereka ngongole mwachindunji, ndiko kuti, popanda malire. Chosavuta chachikulu pakusankha bizinesi pa intaneti ndikupezeka pa malo ambiri palibe wina amene amayesa ntchito zomwe zatumizidwa. Zotsatira zake, palibe amene amatsimikizira kubwezeretsa ndi kupindula kwa ndalama zomwe zimayendetsedwa.

Komabe, posachedwapa papezeka malo oterewa a ngongole, omwe, Kusunga ndalama zabwino kwambiri - chiwongoladzanja pa ngongole zapakati pa 15 mpaka 35 peresenti, zatha kupereka chitsimikizo chokwanira chachinsinsi cha ndalama zomwe zimayendetsedwa, kuwonetseredwa ndi kupezeka kwa azimayi onse ndi okongola:

1. Kudalirika ndi kudalirika. Mapulogalamu a obwereka amafalitsidwa pamasewerowa pokhapokha atatsimikiziridwa kuti ndi odalirika ndi solvency. Chifukwa cha kusonkhanitsa ndi kusanthula zowonjezera, osati zofotokozedwa (malinga ndi malemba ovomerezeka, malinga ndi kufufuza kwa malipoti oyendetsa ntchito komanso chifukwa cha kufufuza kwaumwini komwe kunachitidwa ndi akatswiri pamakampani), amalonda amalandira zowonjezera zonse zokhudzana ndi chitukuko ndi zoopsa zowopsa Makampani omwe angathe kubwereka.

2. Zitsimikizo za kuphulika. Zolinga za okhoma kwa alimi zimatetezedwa ndi munthu wina wotsimikizira kapena wothandizira.

3. Kusamalira ngozi. Malinga ndi njira yomwe mumakonda kuyendetsa, mungasankhe polojekiti yapamwamba yokhala ndi zovomerezeka ndi zosungunula kapena kuyendetsa bizinesi yomwe ili ndi chiwerengero chokwanira koma ndi ngongole zochepa. Komanso, mukhoza kupereka ngongole yokha pa gawo la ndalama zomwe mwafunsidwa ngati gawo la gulu la ena.

Zothandizira ndalama. Malinga ndi mtundu wa ngongole (ndalama zokhudzana ndi mabungwe, zipsu zamabuluu, nyumba zamalonda, etc.) ndi kalembedwe ka ndalama za kampani yosamalira (mwachitsanzo, kampaniyo imakonda magawo a mabungwe ogulitsa mofulumira), Mtundu woterewu ukhoza kuwonetsedwa ndi zida zolimbitsa malire komanso zachiwawa. Zopindulitsa zazikulu ndizimene simukusowa ndalama zazikulu zoyambirira, ndalama zanu zimayang'aniridwa ndi mamembala a masukulu. Kuipa kwakukulu ndi:

1. Kuvuta kwa chisankho. Pakalipano, pali ndalama zopitilira 30,000 zomwe zimagwirizanitsa anthu padziko lapansi, zomwe nthawi zambiri zimawongolera kuwona kuti akatswiri okha ndiwo angasankhe ndalama zomwe zimakwaniritsa zolinga zanu.

2. Kulibe umboni. Pansi pa malamulo a mgwirizano wa malamulo ali ndi ufulu wolankhula kokha phindu la phindu la nthawi yapitayi. Chifukwa chake, chiŵerengero cha phindu ndi chiwopsezo chingakhale chirichonse, chifukwa phindu silili lokhazikika, ndipo ndalama sizingatsimikizidwe.

3. Zowonjezera ndalama. Makampani oyendetsa ndalama amapereka ndalama zokwana 5 peresenti pa kulowa ndi kuchoka, kuphatikizapo ntchito monga mawonekedwe a pachaka omwe amaperekedwa kwa kampani yosamalira, ngakhale ngongole ikukumana ndi kutayika.

Nkhani za PAMM. Imodzi mwa zipangizo zamakono zopangira ndalama. Pano pali kuthekera kwapindula kopindulitsa komanso kopindulitsa kwambiri, komanso kuthekera kwakukulu kotaya ndalama zonse zachuma mu nthawi yochepa kwambiri. Ngakhale mutasankha mosamala woyang'anira akaunti yanu (wogulitsa), omwe anali ndi zizindikiro zapindulitsa m'zakale zapitazo, izi sizitanthauza kuti mutetezedwe ndi phindu la ndalamazo.

Chidule

Pakalipano, ndalama zopindulitsa za ndalama zomwe zilipo zimapezeka kwa aliyense, mosasamala kanthu za kuchuluka kwake koyamba. Mukhoza kusunga ndalama zambiri pa intaneti, zomwe zimapatsanso mwayi wanu. Ngati kasamalidwe kamodzi kazitsulo zonse zikuwoneka kovuta kwa inu, ndibwino kuti musankhe zogwiritsira ntchito, monga malonda mu bizinesi. Pogwiritsa ntchito malonda a makampani osiyanasiyana (zotsimikizirika zapamwamba komanso zotsika zowonjezera), mumapeza malo ogwira bwino ntchito, yokhala ndi chida chimodzi chogulitsa ndalama.