Mwagwirizana Fund - thumba mwagwirizana ...

Bang - Umenewu ndi wa ndalama gulu, kenako phindu. Cash depositors ambiri akuwonjezeka mu thumba limodzi ndipo anapeza ena chuma cha. Iwo ndi chuma, nkhani unallocated zitsulo, m'matangadza, madipoziti, malo, kuti chili muyezo njonda ya zida ndalama chololedwa pa lamulo. The thumba umalimbana ogwira azipeza phindu lalikulu ndi thandizo la ndalama analandira lolamulidwa, kotero chuma ndi thumba ndi ma sheya hoda akhoza kutenga malo a phindu lawo.

Ubwino Fund lopita

likulu kuyamba-mmwamba angakhale ang'ono. Ena ndalama amafunitsitsa chopereka rubles chikwi. Paokha kufufuza msika mulibe. Kale anthu ophunzitsidwa mwapadera ntchito mu thumba.

Kodi ichi chimagwira ntchito

Osati bungwe lirilonse, ndipo makamaka munthu payekha, mukhoza kulenga PIF. mtundu wa ntchito zokhudzana pulogalamuyo. License kupelekedwa ndi Service Federal ndi udindo pa ulamuliro wa misika ndalama la Russia. ulamuliro umenewu adzakhala ndi kumupatsa chiphatso ngati ndipo akulamulira malangizo kwa thumba mangawawo. Afufuze chimachitika kamodzi pa zaka zitatu. N'chifukwa chake Fund ayenera kukhala wotuluka zonse moyenera ndi ntchito malamulo.

Kamodzi chilolezo cha analandira, ndi thumba amayamba kukopa ndalama (ma sheya hoda). Kungakhale onse anthu ndi mabungwe. Munthu aliyense angathe kugula magawo a wina kuchuluka kwa ndalama, ndipo ndalama zimenezi ndi pa kutaya Ngopambana. Fund ndalama kugula masheya umene umachitika mu ufulu zimatengedwa, kupanga wotuluka amenewa, akupanga phindu, imbaenda ndi kuwonjezeka mu mtengo wa katundu ndi ndalama, choncho kumawonjezera mtengo wa mayunitsi lapansi.

Pai - ndichiyani?

Unit ndalama - ndi chitetezo kuti atakhazikitsa mfundo za chuma za Investor mu thumba la ndalama kuchuluka. Mu mawu ena, Investor Choncho atakhazikitsa bwino yakeyake gawo la chuma mwagwirizana ndalama. umwini zalembedwa formalized kudzera kulowa mu nkhani patokha depositor, ndilo Tsegulani kaundula wa thumba mangawawo. Chiwerengero cha magawo, umene kuwalanga Investor akhoza nambala fractional.

Kusintha mtengo wa wagawo ndi

Mtengo wa mayunitsi, komanso ngati mtengo wa kalembera wina aliyense, umamumvera mavuto ndalama. Mwadzina gawo mtengo si, koma pa intervals ena, aziwerenga woikidwiratu. Mwachitsanzo, mwagwirizana ndalama mtengo wa wagawo ndi kuchita masamu tsiku lililonse malonda (azisangalalo ndi maholide mtengo ndi wofanana ndi nthawi yotsiriza mtengo).

Imeneyi nonse Fund akuchita mu tsiku lotsiriza nyengo (nthawi imene mukhoza kulipira ndipo muyesetse magawo) ndi tsiku ntchito otsiriza m'mwezi. Tatseka mwagwirizana ndalama kuwerengera phindu pa tsiku malonda lomaliza la mwezi ndi tsiku kuyenda tsiku lomaliza la kuzipeleka kwa ofunsira kugula magawo zina. zonse ntchito yogula / malonda pamaziko a mitengo yawo ya magawo a Fund anapangidwa pa tsiku lomaliza kuvomereza ntchito.

Calculated mtengo wa mayunitsi ndi losavuta: mtengo wa ukonde phindu kalembera wa mwagwirizana thumba la (NAV pofika) anagawa ndi nambala ya magawo. Zokhudza angaonedwe mu kaundula wa ndalama thumba. The chuma ukonde wa thumba mwagwirizana ofunitsitsa ndi deducting kuchuluka kwa ngongole kwa chuma ndi Fund a (ndalama unachitikira madipoziti Fund ndi nkhani zake).

kungakupatseni profitability

Kungakupatseni zipatso mwagwirizana ndalama, komanso zida zina ndalama palibe. Chirichonse anatsimikiza ndi ukulu wa okwanira ndi kufunika kwa chuma katundu. Ndipo mayunitsi ndalama ndalama sangathe kupereka kubwerera kungakupatseni. Komanso, mfundo za PIF sitinganene za ukutitsimikizira pa profitability pa kampani zikugwira ntchito m'tsogolo. Izi chinali chokwanira m'nkhani 51 ya Chilamulo Federal "Pa Investment Ndalama". Komabe, Investor tsogolo ayenera kumvetsetsa kuti chitsimikizo phindu akhoza otsika-ololera zida monga madipoziti banki ndi kumangidwa. Kungokhala kuchepetsa mavuto kusankha sitepe, kenako zokolola mwagwirizana ndalama kudzakuthandizani kuonjezera ndalama.

Kodi ndalama thumba

Ngati Investor waganiza aganyali mu thumba la rubles zikwi zana limodzi, ndi mtengo pa wagawo Atanena zimenezi rubles zikwi zinayi, adzatha kugula mayunitsi twente-faifi. Tiyerekeze, patapita kanthawi, katundu ndi ndalama anauka, ndipo mtengo pa wagawo wakhala wofanana rubles zikwi zisanu. Mtengo wa magawo onse yotengedwa ndi Investor, ndiye anayamba kupanga mazana ndi zikwi makumi asanu. Kotero iye anakhoza kupeza zikwi makumi asanu rubles osaphatikiza malipiro ndi misonkho. Ndi mmene aliyense ma sheya hoda akhoza kulandira phindu lawo, ntchito magawo a mwagwirizana ndalama.

bwino malamulo ndalama

Mfundo yaikulu ya ulamuliro ndi yosavuta. Kodi aganyali kwa nthawi yayitali. Mwagwirizana Fund - nthawi yaitali ndalama chida (zaka ziwiri). Choncho, ndalama zonse padera ndikagone zaka mwakachetechete yotsatira awiri kapena atatu ndi kupanga phindu. Msungidwe Izi ndi zabwino chifukwa Satsatira kusinthasintha yochepa, komwe kuli sachedwa malonda akhalire. Izi zimabweretsa apamwamba mlingo wa profitability.

Choncho nkoyenera ulamuliro chachiwiri: ayenera aganyali ndalama zilipo kuti osafunika posachedwapa. Ndalama kwa kanthawi kochepa n'kotheka, mwinanso ku phindu. Koma kuchita izi sizitanthauza kubwerera pa aliyense ndalama mu mwagwirizana ndalama. Kodi aganyali odalirika mwagwirizana ndalama, ndemanga ndi mavoti omwe amati kuthekera phindu.

Mavoti mwagwirizana ndalama

Infomeshoni pa ntchito ya Fund kapena chithunzithunzi ina. Ilo liri mu ankalamulira. Koma pamene m'pofunika kuganizira kuphunzira mfundo zingapo.

• ndi mlingo wa kampani kasamalidwe ndi chuma pansi kasamalidwe mu chaka chatha chiyani? zaka ziwiri? Atatu? Kuphunzira mlingo mwagwirizana ndalama, ayenera anamvetsa kuti Investor invests ndalama yaitali, ndipo pa luntha la kampani kasamalidwe kutaya depositors ndalama kudzadalira chitetezo cha ndalama ndi bwino ndalama pa.
• kasamalidwe kampani mlingo pa mtengo kakatundu ukonde ndi chiyani? Khalidwe limeneli limasonyeza kuchuluka kwa ndalama nawo ndalama pansi kasamalidwe wa Code Wachifwamba. Ndi apamwamba ndi, ndi apamwamba kutchuka kwa kampani kasamalidwe ndi, chotero, kudalira kwambiri izo.
• Kodi mlingo mwagwirizana ndalama ndi chuma pansi kasamalidwe? Mufufuze chithunzi chaka ndi zaka zitatu.
• ndi mlingo wa thumba mwagwirizana pa mtengo kakatundu ukonde chiyani?
• Kodi mlingo mwagwirizana thumba zokolola? Ndi kusanja izi amakopa chidwi cha ndalama mu malo oyamba. index Izi tithe apamwamba zokolola ndalama, amene anatha kukwaniritsa ena nthawi. Mwachitsanzo, mwagwirizana ndalama Sberbank kasamalidwe kwachititsa chakuti thumba "Sberbank - Intaneti lonse," anaperekeranji profitability m'chaka 49,91%.

Kodi kugula magawo?

Palibe akutukwana. Ndi zokwanira kukhala mu ofesi ya kampani kasamalidwe kapena amatchula mkhalapakati wake. Udindo wa mkhalapakati kaŵirikaŵiri ankaimba ndi makampani ndalama kapena mabanki. Pali kupemphedwa kulemba ndi kusaina zikalata izi:

• Yofunsira kutsegula nkhaniyi. Pamene kasamalidwe kampani pang'ono, ndi Investor anaganiza ndalama ku thumba limodzi si kampani ino, ndi nkhaniyi adzatseguka aliyense zopereka.
• Kulembetsa mitundu.
• Yofunsira kugula mayunitsi ndalama.

zikalata zonse wasenza ndi Mukalowa mu triplicate, ndipo pamene akugwira ntchito ndi mkhalapakati - zinayi. Ndi mapepala, ndithudi, pali pang'ono vuto. Patapita masiku angapo ku kampani kasamalidwe adzaika kupeza magawo ndi zinthu zonse.

Sale la magawo

Zimenezi ndi zofanana ndi kugula. Komanso muyenera kukaona kasamalidwe ofesi ndi kulemba mawu, mu nkhani iyi kulipira. Kawirikawiri zikalata yekha pasipoti chofunika, koma pali zambiri zofunika pa chiwerengero cha mayunitsi imene Investor, ndi nambala ya nkhani za anthu. Choncho ndi bwino kupita ndi phukusi zonse zolembedwa.

M'pofunikanso kukumbukira kuti kugulitsa ndi kugula mwagwirizana ndalama osiyana anapangidwa m'njira zosiyanasiyana, kapena kani, pa nthawi zosiyanasiyana. ndalama nonse, ambiri mwa adzalola Investor kupanga malonda chilichonse cha masiku ntchito, imeneyi - nthawi imeneyi otseguka, anatseka - anapanga pamene thumba mwagwirizana kapena zina magawo anayikidwa. Koma sipangakhale kuchotserapo.

malonda wotuluka ndi kugula magawo ndi wogula ndi

Mu wotuluka mu magawo kupyolera wogula ali ubwino wake.

• Kugula mayunitsi ndalama chatsekedwa ndipo imeneyi zilipo tsiku lirilonse pamene katundu kuwombola ntchito.
• N'zotheka kuti muzipewa kulipira kwa ogulidwa ndi kugulitsa magawo pa kuchotsera a.
• Liwiro pempho Investor a.
• Simufunikanso kuti ku ofesi ya kampani kasamalidwe.

Komabe, palinso zabwino. Siyense thumba mwagwirizana poyera magawo awo pa katundu kuwombola. "ICB", "Metropol", "Interfin Capital", "Uralsib" - chitsanzo cha makampani kasamalidwe akuyimila katundu kuwombola. "Sberbank Ofunika Management" imene mwagwirizana ndalama kuperekedwa pa katundu kuwombola, ndi mmodzi wa yaikulu makampani kasamaliridwe kakatundu. magawo amenewa si liquidity apamwamba ndi kufalikira lidzakhala lalitali. M'malo mwake, premiums ndi kuchotsera adzakhala kusinthitsa ntchito ndi wogula (ngakhale ali pansipa nthawi pang'ono), komanso gulu, ngakhale kuti nthawi zonse, misonkhano depositary.

PIF. mabanki

mabanki ambiri amachita chopereka ntchito 'kuphatikiza mwagwirizana ndalama. " Choncho, depositor pamene kuwayika ndalama nthawi zambiri anaika pa chidwi monga chopereka, ndipo ena anagulidwa mayunitsi kagulu kathu ka ndalama ndalama anakwanitsa ndi Code Wachifwamba wa banki yomweyo. Kodi ndizabwino, kapena zoipa, izo zimatengera ntchito ya kampani kasamalidwe. Ndipotu, pamene ali kubwerera wabwino pa ntchito za mayunitsi a kuposa chidwi pa madipoziti, amene, ndithudi, Investor mudzakhala osangalala. Apo ayi, Investor adzadandaula phindu otayika omwe iye akanakhoza kutenga, pamene anali kuika njira zonse alembedwe zopereka ndi chidwi.

misonkho

Kulipira msonkho adzakhala okha magawo owomboledwa. Izi ndi malipiro chokha chimene inu muyenera kuti anatipasa "" wapamtima wa msonkho. Phindu kuwerengetsa yosavuta - ndi kusiyana pakati pa mtengo panopa magawo ndi mtengo wogulira awo. Kawirikawiri, mawerengedwe ndi deduction a msonkho kwa anthu - udindo wa kampani kasamalidwe. Izi zikutanthauza kuti Investor sadzakhala ndi kuthana ndi kudzikonda kudzaza msonkho kubwerera. Kwa anthu a msonkho adzakhala 13 peresenti omwe sanali anthu - 30 peresenti.

ndalama shareholder

Awiri mitundu ikuluikulu a mabungwe omwe ankachita mu mwagwirizana ndalama tingaone.

• The Commission, amene kumawonjezera mtengo wa wagawo pa kugula (surcharge pamene kugula). Sitiyenera upambana chimodzi ndi theka peresenti ya akuti mtengo wa wagawo wina. makampani kasamalidwe ena ndi chiyani mlandu wake.
• The Commission, amene kumachepetsa kufunika kwa gawo pamene kugulitsa (kuchotsera zogulitsa). Sitiyenera upambana peresenti atatu a mtengo wake woikidwiratu.

The Malipilo a kampani kasamalidwe, ndi appraiser, Auditor, kaundula, depositary zikugwirizananso ndi ndalama Zithunzi. Koma iwo onse angapindule nazo gawo pang'ono ndi nkhani pamene kuwerengetsa phindu la magawo.

osewera Ofunika

1. Uralsib. Ndalama nonse :. "The woyamba Uralsib" "Uralsib Chosalimbikitsa ndalama", "Uralsib Eurobonds", "Uralsib Financial ca mabungwe odziimira", etc. M'zaka zaposachedwapa, maganizo abwino okhudza ndalama Uralsib kumanzere pang'ono, ndipo lolunjika pa maonekedwe sanali pachimake. Management Company "Uralsib", mwagwirizana ndalama zomwe poyamba anasonyeza ntchito zabwino kwambiri, tsopano pansi kutsutsa katundu kwa ndalama. Makampani ambiri amakhulupirira kuti awo akhoza iyende bwino zokolola.
2. ndalama nonse, VTB, "VTB - Fund Eurobonds", "VTB - lopita Fund", "VTB - Moyenera Fund", "VTB - MICEX Index", "VTB - Fund a kutumiza mauthenga", etc. Ndalama VTB osiyana zokolola, koma chiwerengero cha madandaulo analandira. pa makasitomala. Choncho, kuganizira mwagwirizana ndalama VTB ngati chida ndalama, muyenera kukonzekera izi.
3. Sberbank waukulu opaleshoni kampani - "Sberbank Ofunika Management." Ndalama nonse :. "Sberbank - zachilengedwe", "Sberbank - nchito ndalama", "Ndalama Bank - Europe", "Ndalama Bank - America", "Sberbank - golide", etc. Izi Code Wachifwamba wakhazikitsa wokha ngati yodalirika, zomwe sizodabwitsa.

Ena mafunso pa mwagwirizana ndalama

ngati chopereka cha magawo zotheka? Inde, mwina. Ndi zokwanira kunena muyezo mgwirizano wa chopereka mu kulemba wamba.

Kodi magawo kukhala tinatengera? Inde, angathe m'njira ambiri. Russian Civil Code mwatsatanetsatane mmene zimenezi zichitike.

Pomaliza

Choncho, mwagwirizana ndalama - ndi njira yopeza ndi kuonjezera ndalama zawo. Chinthu chachikulu - kusankha maziko oyenera. Pamene akuyerekeza mwagwirizana thumba ndi ziwongola dzanja zaogulitsa nkhani ngati njira ndalama akuyamba depositor ayenera kukhala mu chimake choyamba. Ndipotu, kuwonjezera pa ubwino tafotokozazi, pali zina:

• Mukhoza tipeze ndalama ka ndalama ndi ntchito mwayi zida kopindulitsa kwambiri (index mbiri, malo ndi zina).
• Investor, pakuika ndalama mwagwirizana ndalama, akatswiri kukhulupirira kasamalidwe (chikutanthauza ndi ofanana ndi thumba kukhulupirira).
• Pamene pakuika mu thumba mwagwirizana salola kuti ntchito mbali zonse za sheya msika yokha, koma Investor amamasula nthawi yanu kuchita zinthu zina. Ndipo kugwirizana, ndi yaikulu kuphatikiza kwambiri.

M'mawu ena, ngati ndalama sindimakonda kuthana ndi intricacies onse a sheya msika, ndipo akanafuna kuti aganyali, ndi ndalama mwagwirizana ndalama - ndi chida kuti adzalola osati kusunga komanso kuonjezera ndalama.