Bhizimisi mari muna 2013

To musi, pane zvakawanda zvakasiyana nzira kuti mari upfumi. Ivo vose zvisingapindirani Tichitevera upfumi, zvakaoma kuita uye zvichibvira njodzi. Mumwe munhu pachake anosarudza kupfuura noitika kusarudza. Zvinosuruvarisa Munguva ichangopfuura yakafanira kune kuwedzera mari uye ezvoupfumi mamiriro ezvinhu munyika yedu, vanhu vakawanda vanotanga kuchengeta mari pasi pamutsago, nokudaro kurasikirwa kwavo zvimwe chikamu nokuda kumusoro mitengo tempav.

Kuti izvi zvisaitike, unofanira kushandisa mari kuti zvifambe, uye vakauya neumwe mari. Panyaya iyi, ngationei zvimwe mubhizimisi nzira kuti zvikuru akakodzera kuti nhasi:

Bhizimisi mari goridhe. Nokuti ichi mhando mari mari, pane zvakawanda zvaunogona kuita: kutenga bullions goridhe, kutenga egoridhe, kuvhurika unallocated simbi nyaya. Maererano pakuunganidza Gráfica, zvinodhura zvikuru, saka imwe ndeiya yakaita pakapuranga hungada kubva 700,000 rubles. Zvichitevera nepaitengwa vara ane chiratidzo chacho series, All-Union uye ivhu vanofanira kufunga okuchengetera. Ramba kukosha nani ari yakachengeteka dhipoziti bhokisi. Nokuti ichi, zvakare, vachafanira kubhadhara anenge 0.01% unonyatsoratidza vara pamwedzi. Bhizimisi tumari goridhe kunge yakawanda, mutengo Mari dzakadaro zaklydyvaetsya Mari nekusimbisa, nebefu, riri pakati 3 uye 5%. Ramba mari idzi zvakare nani ari dhipoziti bhokisi uye vkoem kana vasingagari nezvakapambwa uye kuchengeta Kutarira dzavo chete. Bhizimisi nendarama kwagara, uye achava mukurumbira chaizvo wokusarudza bhizimisi mari, sezvo makambani akawanda vanosarudza kushandisa nenguva-vaedzwa zvemari chokushandisa. On kwenguva, upfumi nendarama akaratidza kuva kupfuura zvinobatsira uye avhareji yegore negore goho nesimbi uyu anenge 20% pa annum.

Bhizimisi mari yakawiriranwa mari Kwayo Bonds chakavimbika kupfuura nzira, zvisungo vane ndoda ngozi pane mumatanda. PIF ndiye rinokosha musiyano wezvinyorwa zveefa mubhizimisi mari umo basa kambani Rinotarisira munhu akagadzirira yakaumbwa uye kuchengetedzeka Portfolio. Zvakanakira ichi mhando mari ndiko kuti haufaniri kuongorora kumusika mamiriro ezvinhu uye ongorora mumusika. Nokuti imi muri zvose zvinoitwa nenyanzvi mumunda mavo. Kuti mari nenzira yakawiriranwa mari iri dzimwe nguva wandei chiuru. Kushandisa mari yakakwana kurichinja kuva utariri kambani yakavimbika uye kuzarura nyaya navo. Avhareji yegore negore zvibereko kuda dzinosiyana 10 kusvika 14%, izvo akapfuudza chikamu Bank deposits.

Bhizimisi mubhangi aiise chakavimbika kupfuura uye kuchinja guta kuchengetedzwa pamusoro mitengo. Maererano kuongorora, vanenge 50% yevagari vepasi chengeta mari kwavo deposits. Avhareji yegore negore chimbadzo dzingasiyana uye siyana 5 kusvika 11% chete annum. Kuti mari mari yavo dhipoziti mubhangi zvakakwana kugumisa sungano mubhengi vkalda kubhengi umo zvose inorondedzerwa zvakajeka. Kuti kusarudza bhanga vanofanira kuziva rakavimbika ratings uye verenga mashoko paIndaneti. No vanofanira kupa mari yavo mabhanga vachizeza ane mukurumbira wakaipa.

Iyo mari kuita kusarudza kwamuri.