Ndalama nonse Sberbank. Reviews wa ndalama Bank nonse Ndalama

Ngati ndi nthawi yoganizira za kumene aganyali ndalama kapena udachita ndalama iliyonse, ndipo mawu akuti "Msungidwe" pafupifupi kanthu limanena kuti muli ayenera kusangalala. Kuti alandire ndalama chabe, palibe kufunika kwa nthawi yaitali kuphunzira sayansi ndalama kuloweza mawu ovuta, kumvetsa chintchito ndi matchati yosanthula kuchepa msika, kupeza kuntchito, kuphunzira ovuta masewera mu sheya msika. Sikuti kuti reinvent gudumu, kuyambira kalekale anthu akhala ndinaganiza mmwamba.

Kodi mwagwirizana ndalama Sberbank?

Mwagwirizana ndalama - ndi zovuta, ozikidwa pa kukhulupirira kasamalidwe (chuma) makampani kasamalidwe thumba. Ntchito yawo yaikulu - kuti awonjezere phindu. ndalama nonse anapanga pamaziko a ndalama - payekha. Tanthauzo lenileni la ndalama ndalama ndi kupeza kubwerera pa katundu amene sheya: kumangidwa, m'matangadza, etc ...

Investor mu thumba mwagwirizana akhale munthu payekha amene amapeza magawo - sheya natsimikiza lamanja la mwini gawo la chuma ndi thumba la. Choncho, mosaganizira za chiwerengero chawo, aliyense Investor ali ndi ufulu wofanana. Tilandire pa chuma anagawira pakati pa ma sheya hoda mogwirizana ndi chiwerengero cha mayunitsi.

Sberbank. kasamaliridwe kakatundu

Mwagwirizana ndalama - yabwino njira kupatula zotsala ndalama ndi zochepa malire nthawi, ndipo pang'ono chidziwitso. Koma ndalama yooneka ngati yosavuta amatulutsa kwa ntchito zotsatirazi, ndicho kusankha kampani kapena banki, omwe atengedwa ntchito ndi ndalama za anthu ena. Monga ulamuliro, koyamba maganizo ndi osewera yaikulu ya gawo ndalama. Ndipo Sberbank mu mzere uwu, kumene, ali ndi udindo waukulu.

Mpaka 2012, kasamalidwe kampani ya gombe dzina lake "Troika kukambirana". Today Sberbank adzaitana chilengedwe chake kwambiri nkhani - ". Sberbank Ofunika Management" Akamanena za ntchito sasintha. Makasitomala zimaperekedwa mndandanda m'malo ndalama zambiri kwa ndalama. Mwagwirizana ndalama Sberbank awa akuimira m'magulu onse a zachuma Russian. Pa mtengo womwewo wa gawo ndi poyamba 15 zikwi rubles. zopereka chowonjezera kwambiri m'munsi - 1.5 zikwi rubles.

Ngakhale kuona zimene zinachitikira ntchito ndi kuchuluka kwa mwagwirizana ndalama kwambiri akatswiri Mabwana ndi zaka zoposa 10, m'pofunika kudziwa mbali zonse zoipa ndi zabwino pakuika ndalama mwagwirizana ndalama ndi kukhala osachepera lingaliro kochepa mmene kusankha thumba.

Msungidwe mbiri

Ndi 2014, "Sberbank Ofunika Management" amapereka kuthekera ma sheya hoda kusankha 23 mwagwirizana ndalama. Aliyense ali ngati wokongola dzanja, ndipo kwambiri. Mwachitsanzo, mwagwirizana ndalama Sberbank "Ilya Muromets" m'ndende kupereka angathe ma sheya hoda mtengo ndi mkulu wa wagawo ndi, yogawa moyenera ndalama kwa ndalama kumabungwe angapo chuma ndi kuopsa otsika.

Pakuti mafani wa "motentha" pali nthawi zonse kupereka. Mmodzi wa ndalama kopindulitsa kwambiri ndi "Fund riskier kumangidwa." Pa nthawi ya kukhazikitsidwa mtengo wake wa gawo anakwana 1700 rubles. Ndi May 2014 kuti anauka kwa 2.5 zikwi rubles. Koma patukani poyerekeza ndi ndalama zina chabe chodabwitsa: 29.4% miyezi 36, nthawi inoyi kuchokera January mpaka May 2014 - pafupifupi 3%. Ndipo zimenezi ngakhale kuti ambiri mwa mwagwirizana ndalama pa miyezi 5 osati Sikudaonjezere mtengo wa mayunitsi, ndi kuchepetsedwa kuti opanda munthu. ndi chinsinsi cha kupambana kwa thumba chiyani?

The zigawo zikuluzikulu za mbiri ya

The kampani kasamalidwe kugawira ndalama mu masheya a issuers osiyana. Kuti owerenga potsiriza anasokoneza mwa mawu, tiyeni kuthana ndi ichi chitsanzo cha wina la ndalama - nonse Fund "Dobrynya Nikitich". "Sberbank Ofunika Management" wakhazikitsa lovuta June 1997. Issuers "Dobrynya Nikitich" - pa Russian kampani ndi liquidity mkulu ndi kukula angathe, ndicho ntchito m'madera monga:

- mafuta ndi mpweya;

- kutumiza mauthenga;

- zachuma;

- nchito ogula;

- TV Ndipo;

- mankhwala makampani;

- malo;

- zoyendera.

magawo onse a issuers ndi angatchedwe gawo la mbiri ndalama. Koma zimenezi si ndithu kufotokoza molondola. Kugula thumba gawo ndi ngozi yochepa, woyamba Investor ayenera kukumbukira kuti profitability zake m'malo otsika. N'chifukwa chake ma sheya hoda odziwa zambiri amalangiza "musaike mazira anu onse mu mtanga umodzi." The zosinthika mulingo woyenera adzakhala aganyali ndalama osachepera awiri osiyana: mwagwirizana ndalama ndi chiopsezo ndi kubwerera ndi mwagwirizana ndalama ndi ngozi yochepa n'kubwerera khola. Chotero zosinthika chilungamo yogawa kawirikawiri amakhala Mwachangu apamwamba.

profitability

Company kusankha amapangidwa kuti aone dzuwa la kasamalidwe. Iwo poyerekeza ndi zokolola akwaniritsa ndi kuthekera. Koma kasitomala wake wotsatira mwina si kupeza mfundo. Angathe profitability wa mwagwirizana ndalama Sberbank boma kasamalidwe kampani sangathe lengezani. Only otsiriza mwa zinthu ake angathe kutumikira monga chizindikiro cha dzuwa.

Feedback ndi kuwunika chuma

Ngati Investor kuyamba koma osankhidwa mwagwirizana ndalama Sberbank, ndemanga anakumana ma sheya hoda pa Intaneti zokhudza profitability chawo chidzakhala chinthu choyamba kwa chithunzi chooneka bwino cha ntchito ya kampani kasamalidwe. maonekedwe Chat, monga ulamuliro, silinena kanjedza aliyense ndi chidwi wosachita ndi kufufuza kwenikweni, koma ndi zothandiza mfundo za kufunika Posankha ndalama mbiri.

Kafukufuku chuma sitepe kudziwa, imene iwo ali ofunika pakuika, komabe muyenera kuchita nokha. ntchito imeneyi si yovuta kwambiri. Webusaiti yovomerezeka ya nkhani ndalama Bank ntchito ya kampani kasamalidwe zikufotokozedwa mu mawonekedwe tabular. Iwo ali zambiri kwathunthu dzina la thumba, mtengo wa gawo mu aliyense wa iwo, zokolola kwa 36, 24, miyezi 12 ntchito, komanso pa zapitazi nthawi ya chaka chino.

ndalama nonse Sberbank la Russia - kuphatikiza kusankha

1. Akhudza ndi kuti thumba akhoza kulowa iliyonse, osati wodziwa wapadera. Fund nonse sikutanthauza Investor kumvetsa intricacies zonse za ndondomeko, nthawi zonse ndi kuyan'anila kukula kwa likulu. Izi kwathunthu chinkhoswe mu kampani kasamalidwe.
2. The kuphatikiza chachiwiri - chotsatira cha loyamba: nthawi yopulumutsa kasitomala wa. Kudalirika kwa gombe ndi ofunika kwambiri. Palibe chifukwa kuti tiziwononga nthawi pa ulamuliro okhazikika m'kupita zokwera msika ndi zotsika, nawo mwachindunji mu ndondomeko ndi zina zotero. Kamodzi kasitomala akugula gawo la Sberbank mu PIF, mapepala ake ayamba kuchita Ngopambana akatswiri.
3. The kupezeka kuchuluka kwa malipiro. 15 zikwi rubles - yaing'ono chiyambi-mmwamba likulu kuyamba pakuika ntchito.
4. Kumva kamangidwe. Kuti agwirizane mu mwagwirizana ndalama Sberbank zokwanira muyenera yekha zofunikira ndalama ndi pasipoti. Kasitomala kasamalidwe kampani ayenera kugonjera ofunsira kugula wagawo ndi. Ndizo zonse. Gulitsani nthuza ndi kosavuta monga kukagula, chimene chili zokwanira kulemba ntchito mu ofesi ya kampani kasamalidwe.
5. Liquidity la magawo. ndalama nonse Sberbank la Russia ndi osiyanasiyana kwambiri makhalidwe awo. Pali ndalama ndi mkulu zipatso ndi yayenda ndipo Komano, ndi chiopsezo kochepa, ndalama khola, koma mkulu liquidity. Izi mwagwirizana ndalama zikukhudza gawo zogulitsa mofulumira ndi ndalama pokha ndi imfa pang'ono kapena palibe mtengo.
6. Misonkho. Iwo ali omumvera yekha kudzipereka mwagwirizana ndalama Sberbank. Kukhala zenizeni kwambiri, phindu ukonde. Kuchotsedwa msonkho izo basi, pa mlingo wa 13%. Kumene palibe kufunika kwa Kutengera osiyana kulengeza kuti ofesi yokhomera msonkho.
7. Osiyana a ndalama. Kuchepetsa mavuto zotheka la ndalama allocated kugula msinga ndi m'matangadza a Boma zosiyanasiyana za chuma Russian shareholder. Ichi chizathandiza ndalama mbiri kukhala ndinapirira apitirira msika.
8. ndalama Security lolamulidwa boma. Chiopsezo imfa irrecoverable ndalama sanamvere, chifukwa ndalama padera ma sheya hoda si kusungidwa nkhani kasamalidwe ka kampani. Ndalama anasamutsidwa ndi depository wapadera. Control za akuluakulu onse pa iye.

Kuipa kwa pakuika mwagwirizana ndalama

1. No zitsimikizo. Osati thumba ndalama umodzi sasamalira chitsimikizo kuti shareholder adzapanga phindu mu nthaŵi. Zonse zimadalira khalidwe la msika ndi luso ndi aluso amalonda Fund. Kuwopsa ndi zopezeka.
2. Yapanga phindu wagawo ndi. Izi zachitika kuti kukopa ndalama zatsopano. ndikungokokomeza limagwirira ndi wosavuta. Pamaso malipoti nthawi kampani kasamalidwe amagula pa magawo a makampani iwo amene ali kale mu mbiri, potero kuwonjezeka kufunika kwake. Kumene mtengo ukupita mmwamba ndi gawo. Pambuyo malipoti nthawi zosafunika Yambitsaninso kanthu. Share mtengo kugwa.

kuphatikiza zonse pamodzi

Yambani pakuika othandiza kwambiri, pakuika mwagwirizana ndalama Sberbank. Zokolola, ndemanga, pazipita mfundo pagulu malipoti zilipo akutitsimikizira izi.