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CHi qadar pulro ba amonat guzosht?

Dar matni mazkur ba savoli chi qadar mablagro ba amonat guzosht malumot doda meshavad. Hamin tavr boyad guft, ki aksari mardum mekhohand, ki harchi ziyodtar mablagashonro ba amonat guzorandu harchi ziyodtar az bonk foidai foizi girand. Lek beshtari onho fikr namekunand, ki ziyod kardani amonati bonki ba ziyod kardani khavfu khatar ovarda merasonad.

Savol: CHi guna khatar ziyod meshavad?

Javob: Vaqte, ki hammai pulro ba bonk guzoshta meshavad, pas khavf yak namud meshavad ki onro khavfi bonki menomand. Ba nazar girift, ki bonk tashkiloti moliyaviest, ki u niz ba khatar duchor meshavad, ki bar asosi tagyir yoftani sharoit dar bozor sar mezanad. Masalan agar bahor khushk oyad pas sohai kishvarzi ziyon mebinad va dar navbati khud bonke, ki ba kishvarzon qarzi ziyod dodast, mablaghoi khudro bargardonida nametavonad va yakbora hammai kishovarzon amvoli garavi khudro ba bonk medihand va bonk dar navbati khud amvoli ziyodro ba furush mebarrorad ki dar nihoyat narkhi amvolho dar bozor mefaroyad yo furushi onho durru daroz mekashad, ki in dar navbati khud ba muflisshavii bonk ovarda merasonad.

vklad-bankBa in khotir va ba khotiri kamkhavf kardani amonathoi khud tavsiya karda meshavad, ki amonati khudro vaqte, ki dar bonk meguzored yakchand rohhoro istifoda bared.

  1. Amonatro dar hamon hajm guzoshta shavad, ki muddati nazdiktarin ba on ehtiyoj nadoshta boshed. Masalan shumo medoned, ki yak soli nazdik in hajmi pul ba shumo lozim nameshavad. Hub meshad, ki amonati meguzoshtaaton agar az mablagi 2-moha barziyod kharjshavanda dar ruzgori shumo boshad, pas dar bonk guzored. Masalan dar yak moh shumo 1000 somoni kharojoti oilavi dored va agar shumo sohibi 5000 somoni boshed pas metavon guft, ki mablagi 3000 somoniro ba amonat guzoredu boqi 2000-ro dar kissaton moned;
  2. Harakat kuned, ki amonati meguzoshtaatonro dar 2 yo 3 bonki behtarin qism-qism karda guzored. Masalan 1000 somoni dar 3-bonk;
  3. Kushish ba kharj dihed, ki dar har yak bonki amonatro meguzoshtaaton boz ba qismho va bo muhlathoi gunogun taqsim karda shartnoma banded. Masalan amonati 1-sola ba mablagi 300 somoni, amonati 2 — sola ba mablagi 700 somoni.
  4. Amonatro boz harakat kuned, ki dar asorhoi qurbash mustahakamtar guzored, ki jumlai onho in pesh az hama dollari IMA, Evro, puli joponi yo khitoi va gayraho;

Dar holati rioya kardani in qoidaho talaf dodani amonati khud khelo kam meshavad va in rohho baroi ba purragi az dast dodani amonathoi shumo yordam medihand.

Zarbulmasali russiro faromush nakuned «Ne kladi vse yaysa v odnu korzinu»!

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