Ko te auau huamoni i runga i putunga pēke. Hea te päpätanga huamoni tino pai i runga i putunga

E rave rahi o tatou moemoea ki te ora i runga i te moni i ngā putunga me mahi i tetahi mea. hiahia katoa ki te haere, ngahau, me te ako i te tahi mea hou, engari e kore e ururua to koutou wa i runga i te mahi. I teie mahana i reira e maha pareparenga i Russia e tuku ona kiritaki i te momo o te tiakina. Ia kautaha fakapa'anga ratou reiti me ngā āhuatanga mō te whakatakoto moni. Hoki investor te mea matua - kia mau i roto i te ngakau e ngä päpätanga huamoni tiketike rawa i runga i putunga - ko te mōrea, no te mea te pareparenga e whai raruraru tere, e kore e utu koe nui. Ehara i te mea e tika ana ki te moemoea e ka e taea ki te ora i runga i te moni anake ki a koutou, e hiahia ana koe ki te tango i ki whakaaro te pikinga, me te meka e ki te whiwhi i te moni pai i te moni tāpui e hiahia ana koe ki te hoatu ki runga ki a ia i te moni nui o te moni.

Interest i runga i putunga me ngā momo o te putunga

pareparenga katoa utu ratou moni depositors i te puka o te moni, no te mea pupuri ratou ratou ake moni i roto i te whare pūtea. E ai ki te ture Russian, tatau te moni tāpui te rā. E utua ratou rite ki te kirimana i waenganui i te taonga, me te pēke (kotahi te marama, hauwhā, e ono nga marama, kotahi tau, a pera i runga i. N.). E rua ngā momo o te moni tātaitanga:

1. Simple - ka whakatupato moni te ki te pūkete motuhake o te kiritaki. puta whakauru i roto i te wa i whakaritea i roto i te kirimana.
2. Complex - ka whakatupato moni te ki te pūmatuatanga. I roto i te poto, te tinana o te moni tāpui i runga i te kaupapa i ia marama toru marama ranei, ka tāpiri ki te nui o te moni i runga i te moni tāpui.

Ko te kupu, ki te whakatuwhera koe i te moni tāpui i roto i te pēke i te wa ano, me te ki te auau taua, ka, i runga i te tikanga o te moni tātaitanga rānei, ka kia rerekē te nui whakamutunga o tou moni. Noatia, me te pūmatuatanga o moni koutou whiwhi ake, kia hoki o ka tapiritia te nui ki te tinana o te moni tāpui me te whakapiki ake i te reira. Auau i runga i putunga i roto i ia pēke he ona ake, tei reira ki runga ki te whakatū o te kaupapa here me te hiahia mō te moni i roto i te pēke. Ko te mea matua ki te taonga, - tirohia i roto i te ingoa o te faanahoraa (me i roto i te ao o teie mahana e mea ohie), a ka anake whakatau i runga i haumi.

Ki te rā, whakahere nga pareparenga Russian ratou depositors e toru ngā momo matua o putunga:

• tāpui wā.
• Tuatau (i runga i te tono) takoha.
• Tiaki moni tāpui.

rerekē ratou i ia atu i te maha o ngā āhuatanga, me te whai maha ngā āhuatanga.

tāpui wā

Term tiakina - ko te whakanohonga o te moni i roto i te pēke mō te wā i whakaritea, i tohua nei e i roto i te kirimana, i muri i nei kia haere atu i te taonga, ratou penapena me te moni. Ko reira ko tetahi kōwhiringa - ki te roa te moni tāpui. E toru ngā momo taketake o te moni tāpui wā: wā poto-(1 - 3 marama), wā-waenga-(3 - 9 marama) me te wā roa (neke atu i te 9 marama). Tikanga, te roa te roanga, te nui te auau i runga i putunga pēke. I runga i te ringa kotahi, ko tenei momo o te moni tāpui te pai tino mo pūtea, no te mea whakahere pareparenga koe te auau huamoni nui i runga i putunga wā ko. I te tahi atu te ringa, e kore koutou e taea e kōkiri, ki te hiahia koe ki te tango i tō moni i waho ngaro moni.

Ka taea te tukuna takoha i roto i moni, me te moni ke.

tāpui tono

tiakina Permanent - he moni tāpui e mahi kahore tetahi herenga wā. Ko tōna kounga tino nui ko e taea e koe i tetahi wa ki te tango moni i te whare pūtea hoki. Ko nga painga o te moni tāpui tono ngā mutunga ora papa o taero me te taea o te unuhia ratou kahore mate o te moni. Na roto i te raruraru - tahatika iti 'ngä päpätanga huamoni i runga i putunga.

Ka rite ki taea te whakatuwheratia te moni tāpui wā me tuwhera-mutu i roto i te moni, me te moni ke.

tāpui Tiaki

Tiaki tāpui - he koha i hanga e te ki te wa motuhake, te tikanga mo te tau torutoru. I raro i te whakaaetanga, e kore e taea te nekehia atu kia te rangatira i tetahi moni tāpui wā ki te pūkete, engari tae noa ki te mutunga o te wā. Ko te auau huamoni i runga i putunga o tenei momo e kei vahi i roto i te waenganui i waenganui i te auau i runga i ngā putunga wā me te tono.

Hei whakatuwhera i tētahi pūkete e taea e i roto i moni, me te moni ke.

Putunga i roto i te moni

I roto i te whenua katoa o te ao i roto i te moni motu kua tonu kua whakaaro te tino pai, e kore te okotahi, me te Russian Federation. I teie mahana, pareparenga Russian whakahere kiritaki he nui nui o ngā hōtaka tāpui i roto i moni. He rerekē Auau i runga i putunga i roto i ia institution, taui te reira pinepine, e rua i roto i te ahunga o te whakanui ake me te whakaiti. E ai ki ngā tatauranga, tahatika pūmau whakahere he auau huamoni mākete toharite i runga i putunga. Ka rite ki o tenei ra, te auau huamoni toharite i runga i te mākete - he reira 9 -11% te tau. E, o te akoranga, te institution te wahi e taea te hanga e koe i te moni tāpui me i 19%, engari nui rawa o te auau huamoni tohu tapepe o te pēke. Hei tauira, reiti i roto i nga putunga Tiaki Bank i roto i te moni motu i 8,41 ki 10,52% (tei te ōrau i runga i te roanga o te takoha), engari ano hoki te ingoa o te whare o te taumata teitei.

Putunga i roto i te tara

He maha noho pupuri ratou penapena i roto i te moni ke. Ko te moni te nuinga noa i roto i te Russian Federation, i roto i te tua ki te RUPO - ko tara. He tokomaha te iwi, e tika ana ki te wāriu o te RUPO, ngana ki te hoko i te moni ki nga vahé. Na reira, e rite ki te whakatuwhera i te putunga nui nui i roto i tara te maha o tangata o to tatou whenua. Ae, he nui raro atu ina taka te takoha i roto i te moni motu, engari te auau whakawhiti, aua, kei te tipu haere te moni US te auau huamoni i konei. I roto i Russia reira ko te rota o pareparenga nui, e whakaherea e koe he auau pai o te pānga i te whakatuwheratanga o te takoha i roto i tara. auau Toharite i runga i putunga i roto i te mākete i teie mahana, mai i te 4% ki te 6% ia tau. He tauira torutoru:

• "VTB 24": i 3.22% ki 5,55%.
• "Gazprombank": i 3.70% ki 5.00%.
• "Bank o Moscow": i 3.22% ki 5,61%.
• "Raiffeisenbank": i 3,53% ki 5,73%.

Ko te nui o te moni i runga i putunga tāra, me rite i runga i putunga i roto i te moni, i runga i te wā o te whakanohonga o moni rānei. Tangohia, mo te tauira, ngä päpätanga huamoni i runga i putunga i roto i te Tiaki Bank.

• 6m tāpui:. 4,19-5,05%.
• Whakatakoto i runga i te 1 g:. 3,4-4,13%.
• Whakatakoto i runga i te 2 g:. 3,35-3,78%.

Tenei te mea e tika ana ki te tīpako i ia takitahi, ka tango ki pūkete pehea te roa e pai ki te wehewehea ki to ratou moni koutou.

Putunga i roto i te Euro

ka ūropi moni rongonui ake me te ake iwi i roto i Russia i Russia tata, engari whiriwhiri katoa tau ki te whakaora he moni i roto i reira. Kei te ngana pareparenga tonu ki te whakatau i te pūtea, kia hiahia ratou ki te mahi ki moni nui katoa (tāra, ūropi, pauna). Ka taea te whakaritea putunga i roto i te ūropi i tata tikanga katoa a te pūtea i roto i Russia. he iti Auau i runga i putunga i roto i taua moni, engari kia rite ki te tāra, tonu te ūropi ki te tupu. I teie mahana, te raruraru Russian, te RUPO devalued, maha tohunga tohutohu tangata ki te pupuri i to ratou moni kei roto i moni ke. He tauira torutoru o reiti i runga i putunga moni ke:

• Penapena: i 3,08% ki 4,95%.
• "VTB 24": i 3.12% ki 5,34%.
• "Gazprombank": i 2.50% ki 3.10%.
• "Bank o Moscow": i 3.12% ki 5.21%.
• "Raiffeisenbank": i 2.53% ki 3,02%.

Ae, he iti iho i te hoki putunga i roto i te moni, me te ara te moni US, engari he tokomaha te hunga e hoatu ki runga ki te ūropi tūmanako tiketike moni.

Whakatakoto whakatauranga o tahatika Russian

Te ora nei tatou i roto i te ao i reira huna kore tetahi, na kitea i roto i ngā mōhiohio e pā ana ki tetahi pareparenga Russian noa. Ka taea e koe te haere ipurangi me te tiro mea katoa e te hunga hiahia i roto i a koutou. maha rapu pūtea te pareparenga whakawākanga o Russia, me te ake nga whakataunga nga putunga tino pai i roto i moni, me i roto i te moni ke. E mea pinepine, aromatawai rerekē whakahaere te mākete me te waihanga i te tepu, i tohu i te tuku tino pai i te pūtahi. Ki te whakaaro tatou tika nga putunga mo te wā o te 1 tau, te whakatauranga i roto i 2015 ko e whai ake (i tiketike ki raro auau huamoni):

1. "PSB".
2. "Home Credit Bank".
3. "Alfa-Bank".
4. "UniCredit Bank".
5. "Uralsib"
6. "Raiffeisenbank".
7. "Rosselkhozbank".
8. "Rosbank".
9. Bank "Paerewa Russian".
10. Sberbank.

I roto i te mea moni ki te pupuri i to ratou moni?

e kore he ōhanga Russian tenei ra i runga i te pai o tona atamira, i reira ko tetahi te wāriu nui o te RUPO, e maranga me utu tu tonu utu. ui tokomaha te iwi ratou te pātai: "I roto i nei moni ki te pupuri i to ratou moni," Otiia he reira kahore whakahoki ohie. Etahi whakapono e he reira e tika ana ki te hoko tara me te ūropi, no te mea kei te tipu haere tonu te akoranga. Etahi tohutohu ki te whakatuwhera putunga i roto i te moni motu, no te mea nui atu te auau i taua putunga he. I roto i tetahi atu ahua, a ki reira he taha pai, me te kino. Ko te mea matua e hiahia ana koe - he ki te whakatau i runga i te mea whakamahere koe ki te noho i te nui putu, a ka anake ka whakaritea ki te moni.

I roto i Russia reira ko he maha nui o tahatika rerekē me ngā pūtahi pūtea. Kei te ngana katoa o ratou ki te kukume ki a ratou ano rite nui rite kiritaki taea, me te ki te whakawhānui i tona moni tāpui me te taurewa kōpaki. Kei te ngana katoa tangata i roto i to tatou whenua ki te imi i te moni atu ki te whakarato hoki ratou, io ratou hapu, me te uri. No te iwi maha, kua riro nga putunga he wāhi o ratou moni. Bank auau moni tāpui tukua ki a tatou ake i to tatou penapena, me te karo te pikinga. Whakaae kore ko e ki te tiki i te atu 10% ia tau ki tou moni na kino.

He maha ngā tohunga whakapono ko reira atu pai ki te haumi moni i roto i te mahi. moni o te investor taea e ki runga, ki te 35-40% ia tau, engari i reira ko te mōrea o te ngaro katoa. Hoki te tangata noa, e kore te mea he kōwhiringa he utu iti, he reira haumaru ki te whakatuwhera i te moni tāpui. I mua i te rēhitatanga, te mea matua ki te tirohia ko ahakoa te pēke ko te mema o te State whakatakoto Inihua Pūnaha (tata pūtahi pūtea katoa, ngā reira). I muri i te katoa, hoki te wakaae pūnaha katoa ki te 700 000, tae atu moni.