I-Gazprombank, i-PIF (i-investment unit unit): iimpawu zediphozithi, izinga kunye neengcaphuno

Iyiphi indlela enenzuzo kakhulu yokutyala imali? Mhlawumbi, le ngongoma ephambili ebakhathazayo bonke abatyalo-mali. Kukho izixhobo ezininzi zemali: ezivela kwi-akhawunti ye-PAMM-engciphekweni ephezulu, apho imali ingenayo i-100-110%, kwiibhanki zebhanki kwi-4-5%, kodwa ngeqinisekiso kunye ne-inshurensi ye-akhawunti. Siza kuthetha ngethuluzi lotyalo-mali olunjalo olunikezwa yiGazprombank, isikhwama sokubambisana, okanye isikhwama sokutshala imali. Iinkcukacha ezongezelelweyo malunga nokuba yiyiphi, kwaye yimiqathango yomeli-mali abatyala imali kuyo.

I-Mutual Fund: Imbali kunye neConcept

Inkxaso-mali yokuzibandakanya kunye nentsebenziswano yabatyalo-mali ababethemba imali yabo ukuba batyalole kwizixhobo ezahlukeneyo zemali: amasheya, iibhondi, i-real estate, izitye ezixabisekileyo, amandla, njl. Bona ngokwabo abanako ukwenza ngezizathu ezahlukeneyo. Abanye abanalo ulwazi kunye namava, abanye banalo ixesha, abanye banabini.

Kodwa, njengoko besithi, imali kufuneka isebenze, kwaye zigqibe ukuzinikela kwinkampani yolawulo lwethemba. Yena, ufumana i-commission, kwaye uyabanika imali kwizixhobo ezahlukeneyo. Ingxaki kukuba akukho bani unikeza iziqinisekiso zokufumana imali engenayo, kwaye ukuba imali yabatyali "idibanisa kumbhobho", ke akukho kubuya kunikwa.

Iimali zokutshala imali ngokutshatyalaliswa kokuqala zavela eMelika, kwi-1924 ekude. Kodwa ngexesha leenkxwaleko zezoqoqosho kunye nokungafundi kakuhle kwemali yabantu baseMerika, akukho mntu wabakholelwa. Ingcamango yabantu yayilula: "Asazi aba baphathi, apho baya kuthi batyale imali-asiyicingi". Masivume ukuba abaninzi namhlanje baxubusha ngendlela efanayo, nangona kwiminyaka yobudala yonke into ingahlolwa kwaye yonke into ilandelwa.

Makhe sithethe ngeGazprombank, ezo mali zidibeneyo ngokubanzi. Ukuqhubeka malunga nale nto.

Ncinane malunga nenkampani

Ibhanki "iGazprombank" - namhlanje enye yezona ndawo zidumileyo kwiimali zemali kwiRashiya. Iminyaka elishumi yomsebenzi ophumelelayo yamvumela ukuba afumane iimpendulo ezintle malunga nomsebenzi. Kodwa idiphozithi kuyo iphantsi, njengaleminye imibutho yemboleko, ayikho ngaphezu kwe-5-7% ngonyaka. Ngenxa yokunyuka kwamaxabiso ngonyaka ka-2015 kwi-12%, sinokugqiba: ukuba ixesha elide linabantu abamba imali kwi-akhawunti yebhanki, ngokugqithiseleyo ilahlekelwa yinyani.

Ukususela ngo-2004, i-subsidiary company, i-MC Gasprombank, ivuliwe. Inkampani encinane yaqalisa ngokukhawuleza ukuphuhliswa kwayo kwimarike yotyalo-mali. Ngo-2015, wamphumelela umvuzo wokulawula i-capital target. Kuze kube yimhla, unokukhetha iimveliso ezahlukileyo zotyalo-mali: i-Mutual Funds ye-Gazprombank, iibhondi, izabelo, njl. Makhe sibhale ezimbalwa zazo.

I-Gazprombank: I-PIF "Iimali zeBond Plus"

Ingxowa-mali yabambiswano yenzelwe abatyalo-mali abafuna ukunciphisa ingozi yabo ubuncinci. Injongo kukubonelela ngemali engenayo ngaphezu kweentlawulo zebhanki kunye nokunyuka kwamaxabiso. Abaphathi batyala imali ngemali yabanini-masheya kwiibhondi ngezinga eliphezulu lokuzithemba, kubandakanywa izibophelelo zemali-mboleko ye-federal (OFZ). Kakade, ingeniso evela kule mi sebenzi iyancinci kunezo ezinye izixhobo zotyalo-mali, kodwa ukhuseleko lwemali luphambili. Nanku umgaqo "olungcono kuneentaka ezandleni" uyasebenza.

Iintlawulo zeMual Fund "Iimali zeBond Plus"

Ukuba sihlalutya ishedyuli yokukhula yeBonds Plus ukusuka kwi-Gazprombank, ngoko ngo-Julayi 2013 (umhla wokuqulunqwa) ukuya ngoJuni 2015, isivuno sasi-35%. Ngomxholo wonyaka, oku malunga ne-12%. Ipesenti, kunokuthiwa, kulungile xa kuthelekiswa neentlawulo zebhanki ezingama-5-10%.

Enyanisweni, i-fund efanayo yayingasoloko ikhula-ukusuka ngoDisemba 2014 ukuya kuMashi 2015, "yayigxobhoza" ukusuka kwi-10% ukuya kwi-5%, leyo yayimangalisa kakhulu kubafakeli-mali abaninzi abaqala ukukrazula imali yabo ngokukhawuleza, besaba ukulahlekelwa yiyo yonke into. Kodwa emva koMatshi, i-fund efanayo yakhula ngamandla ngaphandle kokungabaza.

Abo bangacacanga ukuba zeziphi iingxowa-mali, masiye sithi iGazprombank ayinikezeli naziphi na iziqinisekiso - indleko yecandelo lotyalo-mali lucandelo liyakhula kwaye liye kwimihlaba embi. Abanikazi bamasheya abaqinisekisiwe ngokubhekiselele kwi-bankruptcy, ngokuchasene ne-deposit kwi-bhanki elifanayo.

I-Gazprombank: IPIF Gold

Abo baqikelele izigwebo kunye nokuhlaziywa kwe-ruble kwaye batyala imali kwi-UIF "Gold", abazange bazizisole ngokukhetha kwabo. Ixabiso legolide, oko kukuthi, le ntsimbi exabisekileyo ityalomali kule ngxowa-mali, inamathele kwizinga lokutshintshwa kweedola. Khumbula ukuba ukuhlaziywa kwaye, ngenxa yoko, ukuwa kwe-ruble ukususela ngo-2014 kwaphela kwaphela. Oku kuthetha ukuba inani elifanayo labo bonke abatyali-mali be-ruble balahlekile, ngaphandle kwalabo abagcinwe imali kunye nexabiso elityebileyo.

Ukususela ekuqaleni kwelo xesha, ukususela ngoJulayi 2013, i-fund fund, njengoko ithethayo, ikhuhlane. Kuze kube ngoSeptemba 2014, izinga lokubuyela liye lafikelela kwi-20%, kodwa lisaqhubeka lucacisa. Masithi ukuba no-1% wenzuzo yonyaka onotyalo-mali ayinakunceda, kuba kungalolu hlobo alungcono kunokuba ugcine imali ekhaya phantsi komlotha.

Ixabiso lemali liye labonwa kwi-12%, eyanciphisa imali-mali. Kodwa oku akuyikusola iGermprombank-PIF, okanye kunoko ixabiso legolide, akuxhomekeke kuyo. Kodwa kubalulekile ukuba uqaphele ukuba inkampani elawula utyalo-mali, kufuneka ithathele ukuwa kweemarike. Ukuba awaziyo ukwenza oku, ngoko, ngokwenene, kutheni ufuna? Kodwa asiyi kujonga kwiingxoxo malunga nokusebenza kwezicwangciso, kodwa siya kuqhubela phambili ukuhlalutya ngokuqhubekayo kwengxowa-mali "Gold".

Ukususela ngo-Oktobha 2014, okubhekiselele kwiRashiya, izigwebo ziye zaziswa, kwaye imali yesizwe iyancipha, ixabiso laqala ukubonisa ukukhula. Kuphela ngo-Oktobha 2014 ukuya phakathi koFebruwari 2015, kwafikelela kuma-90%.

Abo babanikazi abanini-zimali abaye "banyamezele" bafumana umvuzo ngexesha lokuba baqalekisile i-Gazprombank, i-UIF, kwaye ngokubanzi yonke i-capitalism njengenkqubo. Ipesenti ye-isivuno ayinikezeli nakwiimpahla ezinobungozi obuphezulu kwi-akhawunti ye-PAMM, apho ubuhle bokulahlekelwa yipropati yonke inkulu kakhulu.

Emva kokuwa okukhawulezileyo, i-fundual fund yaphela, kwaye inzuzo epheleleyo ukusuka ngoJulayi 2013 ukuya kuJulayi 2016 yayingaphaya kwama-60%, okwenene, ngama-20% ngonyaka.

Iingxaki eziqhelekileyo zabatyalomali

Kufuneka ukuba uqaphele ukuba iimali-mali ze-ruble zilahlekelwe isiqingatha ngenxa yezohlwayo zezoqoqosho kunye nokuhlaziywa kwemali yesizwe. Nayiphina ipesenteji engaphantsi kwama-100, eqinisweni, ayizuzisi kubatyalomali.

Nangona utyalo-mali kwimali yangaphandle kwangaphambili kunye ngo-2014 kugcinwa ukubaluleka kwangempela kwemali kuze kube yimini, nangona ukuba imali yabo engenayo iyona.

Izigqibo eziqhelekileyo

Ukutyalomali kwiimali zokutshala imali kunye okanye kungekhona umcimbi ngamnye. Makhe sithethe into enye: ukuba inkampani ithembisa imali yakho, ayithethi ukuba umntu ngokwakhe uhlala 'elele esitofu' kwaye akacingi nantoni na, elindele inzuzo enkulu.

Uxanduva lokufumana inzuzo okanye ukulahleka luhlala ngokupheleleyo ngumtyalo-mali. Ngoko ke, kuyimfuneko ukulinganisa yonke into kakuhle, ukuqwalasela apho utyalo imali yakho. Iimali zokubambisana, ngokuqinisekileyo, ziya kunika ingeniso ephakamileyo kunebhankithi yebhanki, kodwa ungakulibali ukuba xa kukho ilahleko, akukho mntu uhlawula imali eyongeziweyo.

Nangona i-Gazprombank iyindawo ekhokhwayo yekhredithi, ayiqinisekisi umvuzo xa abatyali-mali belahlekelwa imali eyabelwe imali kwimali yawo.