Mutual Fund - a yakawiriranwa mari ...

Bang - Ichi chimiro seboka mubhizimisi, zvichiteverwa zvisingabatsiri. Cash depositors vazhinji yebhasera rimwe mari uye yavakawana zvimwe zvinhu. Ndivo zvisungo, unallocated simbi nyaya, mumatanda, deposits, Real Estate, kuti ndiye yakatarwa mureza kwomumwe zviridzwa zvemari akatenderwa mutemo. The mari nechinangwa vashandi kuti maximize mari tichibatsirwa mari yakagamuchirwa kudzora, saka vakawedzera mari yacho yesangano uye shareholders vanogona kuwana nzvimbo purofiti yavo.

Zvayakanakira Equity Fund

Tanga-up guta angava maduku. Vamwe mari vanoda kugamuchira mupiro chimwe chiuru rubles. Vakazvimiririra dzinotibatsira musika vasina. Zvinonzi kutosvika zvikuru vakadzidziswa vanhu kushanda mari.

Sei basa iri

Hakuna sangano, uye kunyanya private munhu, anogona kuumba PIF. Izvi mhando yebasa chokuita kutyora. Rezinesi nekanzuru Federal Service ndiye anokonzera kudzorwa misika yemari yacho Russian Federation. simba iri vachabva rezinesi akafanana, uye anodzora arambe ari yakawiriranwa mari. Vachiongorora anotora nzvimbo kanenge kamwe pamakore matatu. Ndokusaka Fund vanofanira kwema zvose zvakarurama uye kushanda mukati mutemo.

Kana rezinesi inotengwa, iyo mari angatanga kukwezva makambani (shareholders). Zvinogona kuva vagari nemasangano. Mumwe munhu anogona kutenga migove imwe mari, uye mari iyi riri kurasa mamaneja. Fund vanoita mari anogona kutenga kuchengetedzeka kuti inoitwa vakasununguka ichiyangarara, achiita kwema akadaro, anoita purofiti, iyo inosvitsa nokuwedzera kukosha mari yacho yesangano, uye saka inowedzera kukosha dzakabatana.

Pai - chii here?

The mubhizimisi chikwata - ndiwo chokumbofanobata unocherekedza chokwadi pamusoro investor wacho mari mu pavane mari uwandu. Nemamwe mashoko, nokudaro investor unocherekedza pachavo kodzero dzayo kuti mugove wenhaka tose mari. Rakanyorwawo muridzi formalized napamukova iri pachavo nokuda depositor, rakazaruka riri yokunyoresa pamusoro yakawiriranwa mari. Uwandu migove, izvo zvichaita vazvidavirire investor chinowanzoitika kuva fractional nhamba.

Changing kukosha chikwata

Mari zviyero, uyewo kukosha zvimwe twa, riri pasi inivhesitimendi ngozi. Chezita mugove mutengo hakusi, asi pane zvimwe zvikamu, overenga ayo kwakatarwa. Somuenzaniso, yakawiriranwa mari mutengo chikwata rinowanikwa ose basa zuva (kwevhiki uye mazororo mutengo akaenzana yokupedzisira mutengo).

Chinguva Mutual Fund riri kuita nezuva rokupedzisira kwenguva (a nguva apo unogona kubhadhara uye kuwana migove) uye wokupedzisira nokushanda zuva nomwedzi. Closed itirana mari ngaaverenge kukosha pazuva rokupedzisira bhizimisi romwedzi uye zuva achifamba rokupedzisira zuva nokuzvininipisa zvikumbiro kutenga zvimwe mugove. kushanda vose rwokutenga / kutengeswa maererano mitengo dzavo migove of Fund dzinoitwa pazuva rokupedzisira kugamuchira mafomu.

Vakaverenga kukosha zviumbu riri nyore: mutengo yakawiriranwa mari yacho mambure twa ukoshi (Nav) yakakamurwa nokuwanda migove. Information nezvavo kunogona kuonekwa mune mazita Fund makambani. The mambure yesangano iri yakawiriranwa mari takatsunga kuburikidza deducting chitsama munataisireva kubva Fund kuti zvinhu (mari yaiitirwa deposits Fund uye ayo nyaya).

avimbiswa profitability

Avimbiswa goho namazano mari, uyewo mune namajoko nemari hazvisi kuwanikwa. Zvose zviri pakutsvaga kwakakura romugove uye kudiwa unganidza zvinhu. Uye vamapoka mari mari haigoni kupa munhu unovimbisa kudzoka. Uyezve, mashoko pamusoro PIF hazvigoni pamusoro chakasimba chekuchengetedzwa pamusoro profitability panguva kushanda kambani mune ramangwana. Izvi huri munyaya 51 of Federal Mutemo "On Investment Kwayo". Zvisinei, munguva yemberi investor vanofanira kunzwisisa kuti zvinovimbisa mari vanogona chete yakaderera-ichibereka zviridzwa akadai mubhanga deposits uye zvisungo. Just kuva kurerutsa ngozi vari kusarudzwa danho, uye ipapo goho namazano mari kuchabatsira kuwedzera mari.

Sei mari yacho mari

Kana investor asarudza vanopedzisira pavane zviuru zana rubles, uye mutengo chete chikwata akanga ichi nguva zviuru zvina rubles, achakwanisa kutenga maviri nemashanu dzakabatana. Ngatitii, pashure imwe nguva, kuti mari yacho yesangano akasimuka, uye mutengo chete chikwata yava akaenzana zviuru zvitanhatu rubles. Kukosha migove zvose yakatorwa ne investor, akatanga kuti zviuru zana namakumi mashanu. Saka aikwanisa kuwana zviuru makumi mashanu rubles dzakakudzingai mari nemitero. Ndizvo nechimwe shareholders vanogona kugamuchira mari dzavo, vachishandisa anogoverana kuti tose mari.

vanobudirira mubhizimisi mitemo

Musimboti ushe iri nyore. Ko mari nokuti kwenguva refu. Mutual Fund - a-refu mari mudziyo (makore maviri). Naizvozvo, vose paakapiwa mari paucharara chinyararire anotevera maviri matatu uye tanga purofiti. mari iyi zvakanaka nokuti haana kuvhiringidzwa pfupi-rokuti nokufamba, izvo saka asingatani pamusika wemari. Izvi zvinopa wakakwirira pamwero profitability.

Nokudaro anotevera mutemo wechipiri: vanofanira mari mari iripo dzisina zvinodiwa mune ramangwana. Investments mu pfupi zvinokwanisika, uye zvichida kunyange purofiti. Asi nzira iyi hazvivimbisi kudzoka pane mumwe mutori mu yakawiriranwa mari. Vanofanira vanopedzisira yakavimbika yakawiriranwa mari, wongororo uye ratings izvo anoratidza zvingangoita zvisingabatsiri.

Rating itirana mari

Wana mashoko pamusoro mabasa ari Fund kana mumwe Snap. Zviri pachena soumambo. Asi kana zvakafanira kufunga kudzidza wandei pfungwa.

• Chii Rating vebasa boka kuburikidza yesangano pasi utariri mugore rapera? Makore maviri? Three? Kudzidza Rating itirana mari, zvinofanira kunzwisiswa kuti investor invests mari iri kwenguva, uye pakugona vebasa boka dzokurasa depositors mari achavaponesa kuchengeteka oupfumi uye kubudirira mubhizimisi.
• Chii utariri wekambani Rating pamambure twa ukoshi? ukoshi Izvi zvinoratidza sei zvakawanda mari pokuita mari pasi kurapa Criminal Code. Uye yepamusorosoro ndiye, ari kumusoro zvinobatsira basa boka uye, naizvozvo, chivimbo zvikuru mairi.
• Chii Rating namazano mari kubudikidza yesangano pasi utariri? kuongorora zviri nani mufananidzo gore uye makore matatu.
• Chii kureva ari yakawiriranwa mari panguva mambure twa ukoshi?
• Chii Rating Mutual Fund goho? Hazvina chepamusoro ichi chinokwezva pfungwa makambani pakutanga. indekisi ichi pokutanga soro goho mari, izvo vakakwanisa kuzadzisa vamwe nguva. Somuenzaniso, yakawiriranwa mari Sberbank utariri zvakakonzera chokwadi chokuti mari "Sberbank - yose Internet," akapa kuti profitability mugore 49,91%.

How kutenga migove?

Hapana chakaipa. Zvaringana kuva muhofisi vebasa kambani kana kureva murevereri wayo. Basa murevereri zvinowanzooneka reDare mari makambani kana mumabhengi. Kuchava kuti muzadzise panze uye kusaina magwaro anotevera:

• Kushandiswa nokuti kuvhura nhoroondo. Kana basa kambani vashoma, uye investor vakasarudza kuti upfumi imwe mari haisi ichi kambani, uye nhoroondo yacho inofanira kuvhurwa mumwe mupiro.
• Registration siyana.
• Kushandiswa kuti kutenga inivhesitimendi dzakabatana.

Zvinyorwa zvose ndokukweverwazve kumusoro uye nemasaini triplicate, uye kana tichishanda murevereri - mana. With mapepa, Chokwadi, pane zvishoma rokutambudzika. Pashure pezvizuva kubva utariri kambani achamurayira kuzviwanira anogoverana zvose.

Sale kuti migove

Chiito ichi zvakafanana kutenga. Uyewo vanofanira kushanyira basa hofisi uye kunyora mashoko, muchiitiko ichi kubhadhara. Kazhinji zvinyorwa chete pasipoti runodiwa, asi pane zvinokosha ruzivo pamusoro nhamba vezvikwata inoitwa parutivi investor, nhamba nyaya. Naizvozvo zviri nani kuenda hwakazara pasuru magwaro.

Zvinokosha kuyeuka kuti kutengeswa uye kutenga mu dzekuno mari siyana dzinoitwa nenzira dzakasiyana, kana kuti, panguva dzakasiyana. Mutual mari, vakawanda izvo achabvumira investor kuita Sale chero kushanda mazuva, chinguva - nguva penguva yokutanga, akadzivira - aumba apo yakawiriranwa mari kana zvimwe migove vanoiswa. Asi pane anogona kuva kunze.

rokutengesa kwema uye kutenga anogoverana pedyo bhuroka

In kwema mumigove kuburikidza bhuroka ine mikana.

• Kutenga vamapoka yakavharwa uye penguva mari zviripo chero zuva apo Stock Exchange inoshanda.
• Zvinogoneka kudzivisa zvimwe madzoro kutengwa uye kutengeswa anogoverana panguva dhisikaundi.
• Kumhanya chikumbiro investor wacho.
• Haufaniri kuwana kuhofisi vebasa kambani.

Zvisinei, pane payakaipira. Haasi wose yakawiriranwa mari pachena migove yavo wemari exchange. "ICB", "Metropol", "Interfin Capital", "Uralsib" - muenzaniso management makambani Rinomiririrwa wemari exchange. "Sberbank Chakanaka Management", iyo mari yakawiriranwa dzinoturwa pamusoro Stock Exchange, zvakare rimwe remasangano twa utariri makambani. migove akadaro haasi inonyanya liquidity uye saka Anopararira kuva mukuru achaita. Asi, premiums uye discounts vachava kutsinhanisa basa uye bhuroka (kunyange kana vari pazasi kakati), uyewo puranga, kunyange nguva dzose, nokuti depositary mabasa.

PIF. mabhanga

mabhanga mazhinji vanoita mabasa 'mupiro ndinoiitawo yakawiriranwa mari. " Saka depositor kana vakagovera mari vanowanzoororwa akaiswa mhindu somupiro, uye vamwe vari yakatengwa vamapoka chikwata mari mari neKomisheni Criminal Code zvakafanana bhengi. Ko ichi chakanaka, kana chakaipa, zvinoenderana nebasa utariri kambani. Pashure pezvose, kana iri kudzoka zvakanaka mabasa zviumbu akapfuudza mubereko pamusoro deposits, izvo, chokwadi, investor ruchaunza mufaro. Zvikasadaro, kuti investor achazvidemba akarasika purofiti raakanga kuwana, kana kuti kuisa kuwanikwa nzira dzose dziri mipiro nezvibereko.

mutero

Kubhadhara mari yemitero vachava chete mugove vakadzikinurwa. Ndicho chete muripo kuti unofanira 'kupa' kufarira yomutero. Profit overenga nyore - zviri kusiyana kuitika kukosha migove uye mutengo rwokutenga yavo. Kazhinji, kukarukureta uye yaanobhadhara yevateresi nevanhu - nokuchengeta utariri kambani. Izvi zvinoreva kuti investor havazofaniri kukurira nokuzvidzora akazadza mutero kudzoka. Nokuti vagari mutero achava 13 muzana kuvasiri vagari - 30 muzana.

mari mukutsirani

nezvemarudzi maviri chikuru makomisheni kuti dzinoitwa munguva yakawiriranwa mari vangazivikanwa.

• The Commission, iyo anowedzera kukosha chikwata panguva kutenga (muwedzero kana kutenga). Hazvifaniri pfuura rimwe nehafu muzana nokukosha mutengo mumwe chikwata. Vamwe vakuru Makambani uye haana kupomera kwake.
• The Commission, iyo akazoita kukosha mugove kana kutengesa (dhisikaundi Sale). Hazvifaniri kupfuudza zvitatu muzana kwakatarwa.

The remuneration vebasa boka, ari appraiser, wevanoongorora akaunzi, mabharani, depositary uyewo chokuita zvekushandisa girafu. Asi ivo vose nhema mukati mashomanana muzana uye chakaita kuti kana pakuverenga kukosha migove.

vatambi Key

1. Uralsib. Mutual Mari :. "The Uralsib yokutanga" "Uralsib Kuvimbisa Investments", "Uralsib Eurobonds", "Uralsib Financial Sector", etc. Mumakore achangopfuura, nyaya dzinovaka pamusoro mari Uralsib akasiya zvishoma, uye vari pfungwa dzisiri chinoumba forum. Management Company "Uralsib", yakawiriranwa mari iyo pakutanga akaratidza sekurukurirano yakanaka kwazvo, zvino pasi rinorema kushorwa kubva makambani. vanoita Vakawanda vanodavira kuti avo aizokwanisa kuita kunoguma goho nani zvikuru.
2. Mutual mari, VTB, "VTB - Fund Eurobonds", "VTB - Equity Fund", "VTB - Pakati Nepakati Fund", "VTB - MICEX Index", "VTB - Fund pamusoro Telecommunications", etc. Kwayo VTB zvakasiyana goho, asi uwandu zvichemo vakagamuchira. pamusoro vatengi. Saka, kukurukura yakawiriranwa mari VTB somunhu mubhizimisi mudziyo, unofanira kugadzirira ichi.
3. Sberbank chikuru uchishandisa kambani - "Sberbank Chakanaka Management." Mutual Mari :. "Sberbank - zviwanikwa", "Sberbank - nemauto zvemari", "mari Bank - Europe", "mari Bank - America", "Sberbank - ndarama", etc. Izvi weCriminal Code akagadza pacharo somunhu yakavimbika, riri hazvishamisi.

Mimwe mibvunzo pamusoro yakawiriranwa mari

kana wemupiro migove zvinoita? Hongu, zvimwe. Zvaringana kugumisa mureza chibvumirano kuti mari iri zvavo kunyora.

Anogona migove kuva nhaka? Hungu, vanogona, neimwewo nenzira. Russian Civil Code rinotsanangura nemashoko akadzama sei izvi zvinoitwa.

mhedziso

Saka, mari yakawiriranwa - iguru nzira mari uye vawedzere mari dzavo. Chinhu chikuru - kusarudza hwaro vakakodzera. Kana achienzanisa Mutual Fund uye brokerage Nhoroondo somunhu mubhizimisi nzira kunotanga depositor kugara yokutanga musimboti. Pashure pezvose, kuwedzera kune zvakwakanakira pamusoro apa, pane mamwe:

• Unogona kushandisa rimwe duku mari uye kushandisa zvikuru zvinobatsira zviridzwa (indekisi Portfolio, zvivako uye zvimwe).
• Investor, bhizimisi mari yakawiriranwa mari, kuvimba Kutarisira nenyanzvi (iyi zvakafanana chivimbo Fund).
• Paaiva bhizimisi ari yakawiriranwa mari haabvumiri kushandisa zvose zvaidiwa kuchengetedzeka musika pachayo, asi investor inosunungura nguva yako kuita zvimwe zvinhu. Zvino uchabvuma, chinhu chikuru ndinoiitawo zvakare.

Nemamwe mashoko, kana makambani havadi kubata vose nezvehukorokodzwa pakati kuchengetedzeka pamusika, uye uchida mari, asi mari namazano mari - ndiye wezvinyorwa achabvumira kwete chete kuchengetedza asiwo kuwedzera mari.