Kwambiri yopindulitsa kwambiri yopeza ndalama? Mu kuti aganyali ndalama?

Imene yatsala mmene chuma chikuyendera mu dziko lathu, kukula ndi kutha kwa 2014, amalola kuti ajambule mapeto pa kulimbitsa mavutowo kumene zinapangidwa, 2015. Mapa Izi imayendetsedwa ndi maganizo a akatswiri onse Russian ndi Western.

Monga mbali ya kugwa inapita kwa ndalama ya mayiko mwa mapeto a chaka chatha, ambiri ankadabwa ndi zonse kumene kuti aganyali Russia ndi phindu lalikulu nkotheka kapena mmene kupulumutsa ndalama zilipo pamene mabanki "mitolo" atsekedwa.

Zimayambitsa yaikulu ya mavuto Russian zachuma

Pali osachepera asanu:

1. The zinthu zovuta Ukraine zinachititsa kuti kuchepa kwa chiwerengero cha zizindikiro chuma, ndi chivundi akuchulukirachulukira akhala chifukwa inapita outflows (Akatswiri ambiri, udzapitirizabe mu 2015 zikubwera).
2. MwaukadauloZida Eurozone, Australia, USA, Canada ndi maiko ena a ziletso.
3. Yafupika mpikisano wa Russia chifukwa cha outflow wa ndalama zakunja chifukwa ziletso pamwambapa.
4. kudalira Direct pa mitengo mafuta.
5. Kugwa kwa mitundu ndalama ndi kufufuma chiwongola dzanja la Bank ku Central chifukwa likulu ndege.

Zoneneratu Current pa chitukuko cha chuma Russian mu 2015 wachibale

Zimayambitsa tatchulawa zamavuto chuma wathu naveivaet Zoneneratu zokhumudwitsa kwambiri chitukuko zina, ichi ndi chifukwa chake chimakhala funso lofunika kwambiri panopa zonse za izo, mochuluka kopindulitsa aganyali ndalama m'chaka panopa. Inapita kugwa kwa ndalama dziko kumapeto kwa chaka chatha amatichititsa kuganiza ngakhale kudziwika chuma kutsogolera.

Kuneneratu V. Osakovsky (banki US Merrill Lynch Katswiri): The chuma Russian akupitiriza kukhalabe mavuto mpaka kotala 2 wa 2015 Iye ananeneratu ziro kukula kwa ruble mu chaka panopa. Kufufuma, malinga ndi iye, adzauka kwa mlingo wa 8% mwa kotala 1 2015. Pa nkhani imeneyi, kotala 4, Bank ku Central ndidzamuukitsa mitengo. Chifukwa cha zonsezi - kuchepa kwa chiwerengero cha mapulogalamu ngongole ndi kugwa ndalama anthu (weniweni). Komabe, mu theka lachiwiri la chaka chino padzakhala kulimbitsa mumaganiza bwino chuma chifukwa kuonjezera ndalama onse, makamaka kwa kumanga mlatho Crimea ndiponso kumanga payipi mpweya kuti China, komanso kuchepetsa imports. A zotsatira zina zikudalira Chiyukireniya anati de A-escalation cha mavuto kapena watsopano ake.

Mapa D. Nell A. Slyusarchuk (Morgan Stanley chuma chachikulu US banki atagwira kampani): zachuma kuchepa 2015 by 0.5%, kuchepetsa buku la ndalama, mowa, mofulumira mayendedwe a kufufuma. Adzatsogolera ndi kuwonjezeka mu chiwongola dzanja Bank chapakati mpaka theka lachiwiri la chaka chino. Iwo amatchulanso kudalira pa zina chitukuko chuma zotsatira za mavuto mu Ukraine. Anapitiriza mitengo escalation adzauka, Russia adzalowa mavuto mpaka 1.5%.

Utumiki wa Development Economic zanyengo kuti chitukuko m'mbuyo chaka panopa ndi 1%.

Koma mabungwe ndi zachuma Western, ali kuwunika osiyanasiyana zikuchitika mmene chuma chikuyendera mu Russia.

Mapa FocusEconomics: chitukuko m'mbuyo 2015 1%. A uthenga bungwe ndi zachuma Bloomberg zikusonyeza kuti kukula chuma 1,15% udzachitika m'chaka panopa.

The Mapa Danske Bank, BNP Paribas ndi Swedbank: zaka ziwiri mavuto ndi katundu kwambiri kwa chaka zikusinthira (0.6-3% kuchepa).

Mungapezeko aganyali ndalama za mmene zinthu ziliri zachuma?

M'madera chachikulu cha ndalama:

1. Msika kuwombola yachilendo (chimamangidwa chiopsezo kufufuma, ngakhale pamene kusungidwa cash). Ngati muli nacho chikhumbo aganyali galimoto iyi ndalama, m'pofunika kusankha ndalama khola kwambiri (yuro, Swiss Franc, US dola). Aganyali ruble tsopano kuposa yowopsa.
2. Mukhoza aganyali mu malo. Pakuika maofesi malonda, nyumba yomanga ndi nthawi, titero, zikufunika kwambiri. Komabe, dziŵani kuti katundu kungakhale ndikosavuta kugwa mu mtengo osachepera 50% pa mavutowo. Choncho, aluso kuti aganyali malo koma kukhala mumzindawo.
3. Madipoziti kwa kusunga ndi augmentation wa ndalama. Komanso ankanena pangano loyamba monga aganyali ndalama pa chidwi adzakhala sizithandiza chifukwa cha mitengo yochepa. Ngati zotsatira akumane, iwo sadzakhala kuphimba imfa. Komabe, ngati inu anaganiza kuti aganyali ndalama pa chiwongoladzanja, m'pofunika kusunga malangizo otsatirawa:
   
   ● kukhulupirira muyenera mabanki odalirika kwambiri;
   ● kusankha madipoziti bwino, ndi kuthekera achire tsankho kapena chokwanira popanda imfa pamene chidwi accrued;
   ● ayenera aganyali yomweyo mu mabungwe banki ochepa, ndi wina chopereka adzakhala 700. zikwi. Pakani. chifukwa inshuwalansi bungwe amatitsimikizira chitetezo cha ndalama osati choposa 700 zikwi. opaka.
   
4. Zosayiwalika, luso. Iwo chimatengedwa ngati chida yodalirika kwa ndalama mu nthawi ya mavuto. Ngati pali kukayika ngati kuti aganyali apa, ife lam'limbikitsa tokha kuti ndalama amenewa amaonedwa kukhala mmodzi wa zida kopindulitsa kwambiri ndi odalirika ndalama. zopereka kungatiteteze chuma ndi kuonjezera izo zayamba.
5. zitsulo zamtengo wapatali. Iyi ndi njira yotsika yowopsa monga kumene yopeza ndalama (chuma) chifukwa mlingo wa golide nthawi zonse mosinthasintha (monga panopa). Mofanana ndi mmene zilili ndi siliva. Iwo akuganiza kuti palladium khola kwambiri.
6. ndalama nonse (a yowopsa kwambiri ndalama chida). Ndi ponena za nkhaniyi itawonongedwa malonda akhalire ofunika (2008-2009 gg.). Ambiri amakhulupirira kuti zimenezi zikhoza mobwerezabwereza tsopano, kotero si njira, kumene kuli bwino kuti aganyali ndalama.
7. Omwe malonda. Akatswiri kupewa mtundu uwu ndalama mu yadziko. Koma ngati nkhani dongosolo limene yopeza, ichi ndi malonda anu, muyenera kuganizira zinthu ndi ntchito zofunika (pakalibe gawo kuchulukana).
8. Magawo (amafuna kudziwa lapadera kwa kasamalidwe mbiri alipo). Vuto wosakhazikika chuma dziko angathe ndi kasamalidwe koyenera kubweretsa ndalama kwambiri.
9. Stock msika chabe. Iyi ndi njira yabwino monga kumene yabwino yopeza ndalama (makamaka pa nthawi ya mavuto, pamene afotokozera kudumpha chidwi kwambiri). Komabe, pa nthawi ino ndi bwino kuyamba ndondomeko maphunziro a malonda, ndipo ndi bwino kukhulupirira akatswiri a.

Choncho, kaya yopeza ndalama mu malo kapena Zosayiwalika, kapena chidwi, kapena pamene wina - .. Kusankha zofuna kusanthula kwambiri potengera muyezo monga kudalirika profitability, ngozi, etc. Ndi nthawi zonse ofunika kuti utuluke mwa chikhalidwe panopa chuma dziko.

Pakuika magawo

Izi ndi otchuka kwambiri kwa chida tsiku ndalama. kutchuka ake anatsimikiza mtima m'njira zambiri yekha, ichi ndi chifukwa chake iye ali mtsogoleri pakati pa zida zina ndalama. Komabe, kuonetsetsa Mwachangu pazipita sheya chofunika nacho kuchuluka zambiri za ndondomeko ndalama.

Trade mu magawo - ndondomeko ndi mwachilungamo wophweka chifukwa chakuti kwambiri kuchuluka kwa deta kusungidwa mu mawonekedwe a pakompyuta. Ngati zowathandiza palibe, m'pofunika atipatsa akatswiri malonda malonda. Iye anavomera pasadakhale kuti ntchito bungwe malonda pa mawu yabwino.

Ubwino ankaona ndalama chida

Aganyali magawo zaphindu pa zifukwa zotsatirazi:

• mlingo wa pachaka wa kubwerera pa magawo adzatenge kufunika 100%;
• mtengo gawo wayikidwa zochokera phindu la kampaniyo kuseri kwa icho, ndalama imeneyi - anachokera ku kufufuma (monga Ngopambana luso la Makampani akubweretsa ndalama zina kwa shareholder wa).

Kuipa chida ndalama

Yopeza ndalama m'matangadza, ambiri amakhulupirira njira kosathandiza chifukwa:

• ali ndi osakhalitsa katundu (mchikakamizo cha mtengo msika wa magawo ndi amagwa zikuchepa);
• phindu shareholder mungathe pa wamng'ono kwambiri (choyamba, malipiro kwa masapulaya, antchito, angongole, ndi zina zotero. N.).

Maphunziro monga ndalama zina

ndi ndalama amenewa m'tsogolo misapu monga malo atsopano ndipo, chotero, malipiro abwino. Mu yadziko m'pofunika kuganizira za maphunziro apamwamba wachiwiri kapena maphunziro maphunziro kapena retraining.

Education - ndi njira yabwino, mungapezeko aganyali, m'pamenenso mtundu uwu ndalama adzapereka m'njira zambiri mu msika ntchito. Komanso, pa mavuto kuphunzitsa nawonso kupulumutsa (mayunivesite kwambiri mumachotsera kuti kukopa makasitomala).

Koma sitiyenera aganyali maphunziro, ngati pali chikaiko chosowa nthawi kapena chipiriro kumaliza maphunziro awo.

Kuyenda monga njira zimene yopeza

Ambiri amakhulupirira kuti uwu ndi wopambana kopindulitsa njira ya ndalama. Pakuti wosangalala maganizo, kuwonjezera kugula, muyenera kuti aganyali kwambiri ndi wabwino yamunthu. Mogwirizana ndi tchuthi imeneyi wamangidwa kukhala full, monga zingakhudze khalidwe la ntchito.

Komabe, ulendo - si kwenikweni wabwino wa zimene yopeza ngati ali ngongole kapena zapitazi. Komanso wokwanira dongosolo ulendo paokha, chifukwa chakuti milandu posachedwapa bankirapuse mabungwe kuyenda.

Ndalama ku chiyambi-mmwamba

Kuyamba ndi kukuuzani inu chimene chiyambi. Izi makampani nzeru kuti kupereka wachibadidwe umisiri watsopano. The oyamba a moyo wa umisiri watsopano ndi losadziwika, kuzipereka kwa ogula - ntchito m'malo ovuta, wochezeka njira kuti akhoza kukhala maperesenti oposa zana la phindu lapansi. N'chifukwa chake njirayi ndipo anazindikira ndi zonse kwa kuvomereza kuti pali zambiri kopindulitsa aganyali ndalama.

Kupeza mtundu uwu wa ndalama, inu muyenera kuonetsetsa kuti zigawo zikuluzikulu monga cholinga cha timu, lingaliro ndi dongosolo n'zogwirizana ndi kampani akudziwa bwino cholinga chake ndi mmene kukhazikitsa ake (waukulu zikuluzikulu za kupambana).

Pali zitsanzo zambiri pamene startups ndi ziro kukhota mu mabiliyoni wambiri, pamene zawachitikira ndalama zake pa magawo osiyanasiyana. Panopa, pali wapadera katundu kuwombola startups zimene makampani ndi mabizinezi.

"Kusinthana kwa kuyamba akuluakulu" - webusaiti komwe mayina deta kampani, bwana awo, ma pulani a bizinesi, ndipo akusonyeza kuchuluka chofunika pantchito. Chidwi ndalama funsani kampaniyo ndipo kenako padera mu maganizo ake. Mmodzi chiyambi-mmwamba angakhale Investor kuposa wina.

Ubwino ndi kuipa kwa mtundu wa ndalama

Iyi ndi njira yabwino monga kumene yopindulitsa kwambiri yopeza ndalama, ngakhale mu zinthu lamoto-kunja, mwachitsanzo, khumi startups khumi, yotsirizira amatha recoup ndi zomvetsa anakhumudwitsa chifukwa profitability peresenti zikwi zingapo.

Komabe, kuyamba-mmwamba - nthawizonse ndi chiopsezo ndi malo unexplored. Nthawi zambiri, iwo sadzafa chifukwa cha maganizo oipa, koma chifukwa cha bungwe osaphunzira ndi wosadziŵa kasamalidwe ka kampani.

Ngakhale kuipa, izo akadali anazindikira monga njira zabwino funso limene yopeza ndalama (ndalama Woyamikira ndemanga - kutsimikizira izi). Komanso, ambiri amakhala ndi nzeru wowerengeka: "Chiopsezo - chifukwa mfulu."

Investment utumiki PAMM-nkhani

Kwenikweni ndimene kuchuluka kugawana phindu gawo. Monga utumiki ndi ndalama ndi mtundu wa kasamaliridwe kakatundu, amene amalola ndi Investor kupindula ochita malonda ndalama msika "Ndalama Zakunja", kujambula kwa amalonda kuti akatswiri.

opaleshoni ake lothandiza: Makampani (aliyense amene padera mu PAMM-nkhani) zinthu zothandiza pa nkhani ambiri, amene agwira mpheto lolingana yosamalira osankhidwa awo (malonda). Chifukwa cha zimenezi, chifukwa chofuna kupindulapo (imfa) ndi allocated zochokera chiwerengero m'nkhani okwana Investor.

chitetezo ikuchitika ndi kutsekereza kuthekera kwa achire wa ndalama zawo malonda. Investor, nayenso akhoza kutapa ndalama ngongole kwa iye pa yabwino iliyonse iye nthawi.

A chofunika yosamalira - kumayambiriro ndalama zokha pa PAMM-nkhani. Ichi ndi chifukwa kugawira chiopsezo (a malonda, kupanga wotuluka, ngozi ndi ndalama mwini). Kuyambira aliyense analandira phindu lake chifukwa mphotho amene kukula anawapatsa pangano (20-50%).

Pofuna kuteteza ndalama ya ndalama zomvetsa awo okwana pa malonda pa PAMM nkhani zotheka kukhudzana malire zomvetsa kwa enaake. Amagwiritsidwanso kwenikweni anachita kwa njira zathu ziro chiopsezo.

Ubwino wa nkhani PAMM

Iwo ali motere:

• poyerekeza banki gawo kuchuluka zochuluka phindu (zochokera luso la ntchito ulamuliro, mpaka 100%);
• ndalama mwayi posachedwapa (mu sabata);
• kusankha ulamuliro malingana ndi zofuna zanu;
• osachepera zovomerezeka mlingo wa ndalama (kuchokera $ 100);
• kuthekera achire mofulumira ndalama pa kufunika (pa sabata);
• ufulu ndandanda;
• wotchi kuwunika ndalama;
• njira yabwino kuti aganyali (chosonyeza);
• Msungidwe kasamalidwe paliponse pali Intaneti;
• palibe kuti akaphunzire masewera mu ndalama msika;
• achire ndi njira iliyonse yabwino (chifukwa gombe, "Yandex.Dengi" "WebMoney" neri Al.).

Ayamikira za kusankha matrasti

Mfundo za magawo zoyambirira za PAMM-nkhani zotsatirazi:

1. Kuchuluka kwa ulamuliro (chizindikiro cha chikhulupiliro oyang'anira ndalama zina).
2. Manager wa Capital (malonda kuopsa ndi likulu lawo kwambiri).
3. Age (chifukwa accrual chidwi pa kuchuluka zogwirizana akubwera mlungu uliwonse, nawonso anasonyeza milungu). Ndi bwino kusankha PAMM-nkhani zaka zosakwana masabata khumi ndi ziwiri. Yaitali ndi ntchito, ndi zosavuta younikira zotsatira za malonda, malonda Luso ndi zina zotero D..
4. Osachepera ndalama (susonyeza mlingo wa bwino wa malonda ndi; limakupatsani kusankha kufunika PAMM-nkhani).
5. Secondary mbali kalasi (kuwonetsera ntchito PAMM ndi zinthu zosiyanasiyana, magawanidwe awo, komanso mitunduyi kuphatikana deta kudalirika mtima achiyesa zochokera pambuyo kusanthula malonda a).

Choncho, kusankha kumene yopindulitsa kwambiri yopeza ndalama anatengedwa malingana zikuchitika kwa zachuma ndi zomwe cholinga Investor lapansi.