{"id":8365,"date":"2025-03-07T16:12:28","date_gmt":"2025-03-07T16:12:28","guid":{"rendered":"https:\/\/www.dztecs.com\/money\/?p=8365"},"modified":"2025-06-13T09:08:23","modified_gmt":"2025-06-13T06:08:23","slug":"best-investments-for-millennials","status":"publish","type":"post","link":"https:\/\/ftp.dztecs.com\/money\/best-investments-for-millennials\/","title":{"rendered":"\u0623\u0641\u0636\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0644\u0645\u0648\u0627\u0644\u064a\u062f \u0627\u0644\u0623\u0644\u0641\u064a\u0629 &#8211; \u0645\u0627\u0631\u0633 2025","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\r\n<p class=\"meta__synopsis wp-block-paragraph\">\u062a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 \u0647\u064a \u0627\u0644\u0645\u0641\u062a\u0627\u062d \u0644\u0644\u0623\u0645\u0627\u0646 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\u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0644\u0642\u062f \u0642\u0645\u062a\u064f \u0628\u062a\u0636\u064a\u064a\u0642 \u0646\u0637\u0627\u0642 \u0627\u0644\u0628\u062d\u062b \u0644\u0623\u0641\u0636\u0644 10 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0627\u0644\u0622\u0646 \u0644\u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0641\u064a \u0648\u0636\u0639 \u0623\u0635\u0648\u0644\u0643 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u0627\u0631 \u0627\u0644\u0635\u062d\u064a\u062d \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0643.<\/p>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-8406\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/hipsters-1024x536.jpg\" alt=\"\" \/ width=\"1024\" height=\"536\"><\/figure>\r\n<\/div>\r\n\r\n\r\n<h3 id=\"3\" class=\"wp-block-heading\">1. \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a S&amp;P 500<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629: \u0645\u0646\u062e\u0641\u0636 \u0625\u0644\u0649 \u0645\u062a\u0648\u0633\u0637<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u064a\u064f\u0639\u062f \u0645\u0624\u0634\u0631 S&amp;P 500 \u0623\u0643\u062b\u0631 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0645\u062a\u0627\u0628\u0639\u0629\u064b \u0641\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u060c \u0648\u062a\u064f\u062d\u0627\u0643\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a S&amp;P 500 \u0627\u0644\u0645\u0624\u0634\u0631 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 (ETFs).<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u064a\u062a\u0645 \u0625\u0646\u0634\u0627\u0621 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0628\u0648\u0627\u0633\u0637\u0629 \u0645\u062f\u064a\u0631 \u0635\u0646\u062f\u0648\u0642 \u0644\u0627 \u064a\u0647\u062f\u0641 \u0625\u0644\u0649 \u0627\u0644\u062a\u0641\u0648\u0642 \u0639\u0644\u0649 \u0623\u062f\u0627\u0621 \u0627\u0644\u0633\u0648\u0642\u060c \u0628\u0644 \u0625\u0644\u0649 \u0645\u062d\u0627\u0643\u0627\u062a\u0647. \u0648\u064a\u062a\u0645 \u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0643\u0648\u0646\u0629 \u0644\u0644\u0635\u0646\u062f\u0648\u0642 \u0641\u0642\u0637 \u0639\u0646\u062f \u062d\u062f\u0648\u062b \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0641\u064a \u0645\u0643\u0648\u0646\u0627\u062a \u0627\u0644\u0645\u0624\u0634\u0631 \u0646\u0641\u0633\u0647. \u0648\u0647\u0630\u0627 \u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u062e\u064a\u0627\u0631\u064b\u0627 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u064b\u0627 \u0645\u0646\u062e\u0641\u0636 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0646\u0633\u0628\u064a\u064b\u0627.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u062a\u0634\u0645\u0644 \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631 S&amp;P 500 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0640 500 \u0627\u0644\u0631\u0627\u0626\u062f\u0629 \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629. \u0648\u0647\u0630\u0627 \u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u064a\u0642\u0644\u0644 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0634\u0631\u0643\u0629 \u0648\u0627\u062d\u062f\u0629.<\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0627\u0644\u0645\u0632\u0627\u064a\u0627<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list pro-list\">\r\n<li>\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u0636\u0626\u064a\u0644 \u0646\u0638\u0631\u064b\u0627 \u0644\u0623\u0646\u0643 \u062a\u0633\u062a\u062b\u0645\u0631 \u0641\u064a \u0627\u0644\u0645\u0624\u0634\u0631 \u0628\u0623\u0643\u0645\u0644\u0647\u060c \u0648\u0644\u064a\u0633 \u0641\u064a \u0623\u0633\u0647\u0645 \u0641\u0631\u062f\u064a\u0629. \u0647\u0630\u0627 \u064a\u064f\u062c\u0646\u0628\u0643 \u0639\u0646\u0627\u0621 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0628\u0634\u0643\u0644\u064d \u0645\u064f\u0646\u0641\u0635\u0644 \u0648\u064a\u064f\u0642\u0644\u0644 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u064f\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0633\u0647\u0645 \u0648\u0627\u062d\u062f.<\/li>\r\n\r\n\r\n\r\n<li>\u0633\u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627\u060c \u0645\u0645\u0627 \u064a\u064f\u0642\u0644\u0644 \u0645\u0646 \u062a\u0623\u062b\u064a\u0631 \u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u0633\u0648\u0642 \u0639\u0644\u0649 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643.<\/li>\r\n\r\n\r\n\r\n<li>\u064a\u0628\u0644\u063a \u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u0644\u0645\u0624\u0634\u0631 S&amp;P 500 \u062d\u0648\u0627\u0644\u064a 7.9% \u0645\u0646\u0630 \u0639\u0627\u0645 1928\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647 \u062e\u064a\u0627\u0631\u064b\u0627 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u064b\u0627 \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644 \u0645\u064f\u0631\u0628\u062d\u064b\u0627. <a href=\"https:\/\/www.fool.com\/investing\/stock-market\/indexes\/sp-500\/annual-returns\/\" target=\"_blank\" rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener\">\u0627\u0637\u0644\u0639 \u0639\u0644\u0649 \u0627\u0644\u0645\u0632\u064a\u062f \u062d\u0648\u0644 \u0623\u062f\u0627\u0621 S&amp;P 500.<\/a><\/li>\r\n\r\n\r\n\r\n<li>\u062a\u062a\u0645 \u0625\u062f\u0627\u0631\u0629 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0628\u0634\u0643\u0644\u064d \u0633\u0644\u0628\u064a\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0627\u0646\u062e\u0641\u0627\u0636 \u0646\u0633\u0628 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0635\u0627\u0641\u064a\u0629 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0639\u064a\u0648\u0628 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0645\u0624\u0634\u0631 S&amp;P 500<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list con-list\">\r\n<li>\u062a\u062a\u0623\u062b\u0631 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u062f\u0631\u062c\u0629 \u0641\u064a \u0645\u0624\u0634\u0631 S&amp;P 500 \u0628\u062d\u0633\u0628 \u0648\u0632\u0646\u0647\u0627 \u0627\u0644\u0633\u0648\u0642\u064a\u061b \u0641\u0625\u0630\u0627 \u0643\u0627\u0646 \u0642\u0637\u0627\u0639 \u0648\u0627\u062d\u062f\u060c \u0645\u062b\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0630\u0627 \u0648\u0632\u0646 \u0643\u0628\u064a\u0631\u060c \u0641\u0642\u062f \u064a\u0624\u062b\u0631 \u0647\u0630\u0627 \u0627\u0644\u0642\u0637\u0627\u0639 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0634\u0631 \u0643\u0643\u0644. \u0647\u0630\u0627 \u0645\u0627 \u064a\u064f\u0639\u0631\u0641 \u0628\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0631\u0643\u064a\u0632.<\/li>\r\n\r\n\r\n\r\n<li>\u0644\u0627 \u064a\u0645\u0643\u0646\u0643 \u0627\u0633\u062a\u0628\u0639\u0627\u062f \u0623\u0633\u0647\u0645 \u0645\u062d\u062f\u062f\u0629 \u0644\u0623\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u064a\u062d\u0627\u0643\u064a \u0627\u0644\u0633\u0648\u0642 \u0628\u0627\u0644\u0643\u0627\u0645\u0644.<\/li>\r\n\r\n\r\n\r\n<li>\u0645\u0646 \u0627\u0644\u0635\u0639\u0628 \u0627\u0644\u062a\u0641\u0648\u0642 \u0639\u0644\u0649 \u0623\u062f\u0627\u0621 \u0627\u0644\u0633\u0648\u0642 \u0628\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0633\u0644\u0628\u064a \u0647\u0630\u0647.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 id=\"4&quot;&quot;\" class=\"wp-block-heading\">2. \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a (REITs)<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629: \u0645\u062a\u0648\u0633\u0637 &#8211; \u0645\u0631\u062a\u0641\u0639<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a (REITs) \u062a\u062a\u064a\u062d \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u062f\u0648\u0646 \u0627\u0645\u062a\u0644\u0627\u0643\u0647\u0627 \u0628\u0634\u0643\u0644 \u0645\u0628\u0627\u0634\u0631. REITs \u0647\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u062a\u0633\u062a\u062b\u0645\u0631 \u0641\u064a \u0634\u0631\u0643\u0627\u062a \u0639\u0642\u0627\u0631\u064a\u0629\u060c \u0648\u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0645 \u062a\u062f\u0627\u0648\u0644\u0647\u0627 \u0641\u064a \u0627\u0644\u0628\u0648\u0631\u0635\u0629\u060c \u0641\u0625\u0646\u0647\u0627 \u062a\u0634\u0645\u0644 \u0623\u0633\u0647\u0645\u064b\u0627 \u062a\u063a\u0637\u064a \u0642\u0637\u0627\u0639\u0627\u062a \u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0645\u062b\u0644 \u0627\u0644\u0645\u062c\u0645\u0639\u0627\u062a \u0627\u0644\u0633\u0643\u0646\u064a\u0629 \u0648\u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0627\u0644\u0645\u0643\u062a\u0628\u064a\u0629 \u0648\u0645\u0631\u0627\u0643\u0632 \u0627\u0644\u062a\u0633\u0648\u0642.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u062a\u062f\u0641\u0639 \u0647\u0630\u0647 \u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u0631\u0628\u0627\u062d\u064b\u0627 \u0639\u0644\u0649 90% \u0623\u0648 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0623\u0631\u0628\u0627\u062d\u0647\u0627 \u0644\u0623\u0646\u0647\u0627 \u0644\u0627 \u062a\u062e\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a. \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0632\u062f\u0627\u062f \u0642\u064a\u0645\u0629 REITs \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a\u060c \u0645\u0645\u0627 \u064a\u0633\u0645\u062d \u0628\u0632\u064a\u0627\u062f\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0648\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0643\u0627\u0633\u0628. \u0648\u0645\u062b\u0644 \u0623\u064a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u0641\u0625\u0646\u0647\u0627 \u062a\u062a\u0633\u0645 \u0628\u0627\u0644\u062a\u0642\u0644\u0628 \u0648\u064a\u0646\u0628\u063a\u064a \u0627\u0639\u062a\u0628\u0627\u0631\u0647\u0627 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064b\u0627 \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644. \u064a\u064f\u0646\u0635\u062d \u0628\u062a\u0648\u0632\u064a\u0639 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643 \u0641\u064a REITs \u0636\u0645\u0646 \u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0644\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a\u0627\u062a<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list pro-list\">\r\n<li>\u064a\u064f\u062a\u064a\u062d \u0637\u0631\u064a\u0642\u062a\u064a\u0646 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0623\u0631\u0628\u0627\u062d\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0646\u0645\u0648 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0648\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0623\u0633\u0647\u0645 (Dividends)<\/li>\r\n\r\n\r\n\r\n<li>\u0627\u0646\u062e\u0641\u0627\u0636 \u062d\u0627\u062c\u0632 \u0627\u0644\u062f\u062e\u0648\u0644 \u0645\u0645\u0627 \u064a\u0633\u0645\u062d \u062d\u062a\u0649 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0645\u0628\u062a\u062f\u0626\u064a\u0646 \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a<\/li>\r\n\r\n\r\n\r\n<li>\u064a\u064f\u0648\u0641\u0631 \u062a\u0646\u0648\u064a\u0639\u064b\u0627 \u0628\u0639\u064a\u062f\u064b\u0627 \u0639\u0646 \u0633\u0648\u0642 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0639\u064a\u0648\u0628 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list con-list\">\r\n<li>\u062a\u064f\u0641\u0631\u0636 \u0636\u0631\u0627\u0626\u0628 \u0639\u0644\u0649 \u0623\u0631\u0628\u0627\u062d \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a (REITs) \u0643\u062f\u062e\u0644 \u0639\u0627\u062f\u064a \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646\u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u064f\u0642\u0644\u0644 \u0645\u0646 \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0635\u0627\u0641\u064a.<\/li>\r\n\r\n\r\n\r\n<li>\u0642\u062f \u062a\u062a\u0636\u0645\u0646 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u0639\u0644\u0646\u064b\u0627 \u0631\u0633\u0648\u0645\u064b\u0627 \u0639\u0627\u0644\u064a\u0629 \u0648\u0633\u064a\u0648\u0644\u0629 \u0645\u0646\u062e\u0641\u0636\u0629\u060c \u0645\u0627 \u064a\u0635\u0639\u0651\u0628 \u0627\u0644\u062a\u062e\u0627\u0631\u062c \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631.<\/li>\r\n\r\n\r\n\r\n<li>\u062a\u062a\u0623\u062b\u0631 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0628\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u0633\u0648\u0642\u060c \u0645\u062b\u0644 \u062a\u0642\u0644\u0628\u0627\u062a \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0648\u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629\u060c \u0645\u0627 \u0642\u062f \u064a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0642\u064a\u0645\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 id=\"6\" class=\"wp-block-heading\">3. \u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u0633\u0647\u0645 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629: \u0645\u062a\u0648\u0633\u0637 &#8211; \u0645\u0631\u062a\u0641\u0639<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u062a\u064f\u0648\u0632\u0639 \u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u0633\u0647\u0645 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u062c\u0632\u0621\u064b\u0627 \u0645\u0646 \u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0634\u0631\u0643\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646\u060c \u0648\u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u064a\u0643\u0648\u0646 \u0630\u0644\u0643 \u0628\u0634\u0643\u0644 \u0631\u0628\u0639 \u0633\u0646\u0648\u064a. \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0636\u0645\u0627\u0646 \u0628\u0623\u0646 \u0627\u0644\u0634\u0631\u0643\u0629 \u0633\u062a\u062f\u0641\u0639 \u0623\u0631\u0628\u0627\u062d\u064b\u0627\u060c \u0625\u0644\u0627 \u0623\u0646 \u0627\u0644\u0641\u0631\u0635 \u062a\u0643\u0648\u0646 \u0623\u0639\u0644\u0649 \u0639\u0646\u062f \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0634\u0631\u0643\u0627\u062a \u0639\u0631\u064a\u0642\u0629. \u0639\u0646\u062f \u0634\u0631\u0627\u0621 \u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u0633\u0647\u0645 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d\u060c \u0641\u0625\u0646\u0643 \u062a\u062d\u0635\u0644 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0639\u0644\u0649 \u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0644\u062a\u0642\u0644\u064a\u0644 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062e\u0633\u0627\u0631\u0629.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u062a\u064f\u0639\u062f \u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u0633\u0647\u0645 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u062e\u064a\u0627\u0631\u064b\u0627 \u062c\u064a\u062f\u064b\u0627 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0628\u062d\u062b\u0648\u0646 \u0639\u0646 \u062f\u062e\u0644 \u0645\u0646\u062a\u0638\u0645 \u0648\u0627\u0644\u0630\u064a\u0646 \u064a\u0639\u064a\u062f\u0648\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0644\u0632\u064a\u0627\u062f\u0629 \u0631\u0623\u0633 \u0645\u0627\u0644\u0647\u0645 \u0628\u0634\u0643\u0644 \u0623\u0643\u0628\u0631. \u0641\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0639\u0648\u0627\u0626\u062f \u0644\u0625\u0639\u0627\u062f\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0647\u0627 \u0641\u064a \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u0646\u0641\u0633\u0647 \u0623\u0648 \u0641\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u062e\u0631\u0649 \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0642\u0635\u0649 \u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0631\u0643\u0628.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0645\u0646 \u0627\u0644\u0645\u0647\u0645 \u0627\u0644\u0639\u062b\u0648\u0631 \u0639\u0644\u0649 \u0635\u0646\u0627\u062f\u064a\u0642 \u062a\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u064a \u0644\u0647\u0627 \u062a\u0627\u0631\u064a\u062e \u0637\u0648\u064a\u0644 \u0641\u064a \u062f\u0641\u0639 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d. \u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0645\u063a\u0631\u064a \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u060c \u0644\u0643\u0646\u0647\u0627 \u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u062a\u0643\u0648\u0646 \u063a\u064a\u0631 \u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u0623\u0632\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0631\u064a\u0642\u0629 \u062a\u062a\u0645\u062a\u0639 \u0628\u0642\u062f\u0631\u0629 \u0623\u0643\u0628\u0631 \u0639\u0644\u0649 \u0627\u0644\u0635\u0645\u0648\u062f. \u064a\u064f\u0646\u0635\u062d \u0628\u062a\u062d\u0644\u064a\u0644 &#8220;Dividend Payout Ratio&#8221; \u0644\u0644\u0634\u0631\u0643\u0629 \u0644\u0641\u0647\u0645 \u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d.<\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a\u0627\u062a<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list pro-list\">\r\n<li>\u064a\u0648\u0641\u0631 \u0645\u0635\u062f\u0631 \u062f\u062e\u0644 \u0633\u0644\u0628\u064a \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0625\u0639\u0627\u062f\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0647 \u0644\u0632\u064a\u0627\u062f\u0629 \u0646\u0645\u0648 \u0627\u0644\u0623\u0645\u0648\u0627\u0644\u060c \u0645\u0645\u0627 \u064a\u0633\u0627\u0647\u0645 \u0641\u064a \u0628\u0646\u0627\u0621 \u062b\u0631\u0648\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644.<\/li>\r\n\r\n\r\n\r\n<li>\u064a\u0636\u0645\u0646 \u062a\u062f\u0641\u0642 \u062f\u062e\u0644 \u062b\u0627\u0628\u062a \u062d\u062a\u0649 \u0641\u064a \u062d\u0627\u0644\u0629 \u062a\u0631\u0627\u062c\u0639 \u0633\u0648\u0642 \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0645\u0645\u0627 \u064a\u0648\u0641\u0631 \u0627\u0633\u062a\u0642\u0631\u0627\u0631\u064b\u0627 \u0645\u0627\u0644\u064a\u064b\u0627 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646.<\/li>\r\n\r\n\r\n\r\n<li>\u0646\u0627\u062f\u0631\u064b\u0627 \u0645\u0627 \u062a\u062a\u0642\u0644\u0628 \u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0631\u0627\u0633\u062e\u0629\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u062e\u064a\u0627\u0631\u064b\u0627 \u0645\u0648\u062b\u0648\u0642\u064b\u0627 \u0644\u0644\u062f\u062e\u0644.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0627\u0644\u0633\u0644\u0628\u064a\u0627\u062a<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list con-list\">\r\n<li>\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u063a\u064a\u0631 \u0645\u064f\u0644\u0632\u0645\u0629 \u0628\u062f\u0641\u0639 \u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0644\u0630\u0627 \u0644\u0627 \u064a\u0648\u062c\u062f \u0636\u0645\u0627\u0646 \u0644\u0644\u062f\u062e\u0644 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631.<\/li>\r\n\r\n\r\n\r\n<li>\u0645\u0646 \u0627\u0644\u0646\u0627\u062f\u0631 \u0623\u0646 \u062a\u062a\u062c\u0627\u0648\u0632 \u062d\u062a\u0649 \u0623\u0633\u0647\u0645 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0639\u062a\u0628\u0629 \u0645\u0639\u062f\u0644 \u0627\u0644\u0639\u0627\u0626\u062f 10%\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0627\u0644\u0646\u0645\u0648 \u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u062d\u062f\u0648\u062f\u064b\u0627.<\/li>\r\n\r\n\r\n\r\n<li>\u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u062a\u0643\u0648\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u0631\u062a\u0641\u0639 \u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0645\u062d\u0641\u0648\u0641\u0629 \u0628\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0642\u062f \u0644\u0627 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0641\u064a \u062f\u0641\u0639 \u0627\u0644\u0623\u0631\u0628\u0627\u062d.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 id=\"7\" class=\"wp-block-heading\">4. \u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u0633\u0647\u0645 \u0627\u0644\u0642\u064a\u0645\u0629<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629: \u0645\u0631\u062a\u0641\u0639<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u062a\u064f\u0639\u062a\u0628\u0631 \u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u0633\u0647\u0645 \u0627\u0644\u0642\u064a\u0645\u0629 \u0639\u0643\u0633 \u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u0633\u0647\u0645 \u0627\u0644\u0623\u0631\u0628\u0627\u062d. \u062a\u0631\u0643\u0632 \u0647\u0630\u0647 \u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u0639\u0644\u0649 \u0627\u0644\u0623\u0633\u0647\u0645 \u0630\u0627\u062a \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629 \u0623\u0648 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u062a\u062f\u0627\u0648\u0644\u0647\u0627 \u0628\u0623\u0642\u0644 \u0645\u0646 \u0642\u064a\u0645\u062a\u0647\u0627 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0648\u0644\u0643\u0646\u0647\u0627 \u062a\u062a\u0645\u062a\u0639 \u0628\u0625\u0645\u0643\u0627\u0646\u064a\u0627\u062a \u0646\u0645\u0648 \u0639\u0627\u0644\u064a\u0629. \u0648\u0643\u0645\u0627 \u0647\u0648 \u0627\u0644\u062d\u0627\u0644 \u0645\u0639 \u0623\u064a \u0633\u0647\u0645\u060c \u0644\u0627 \u064a\u0648\u062c\u062f \u0636\u0645\u0627\u0646 \u0644\u0644\u0639\u0627\u0626\u062f\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u062d\u062a\u0641\u0638\u0648\u0646 \u0628\u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u0633\u0647\u0645 \u0627\u0644\u0642\u064a\u0645\u0629 \u0644\u0645\u062f\u0629 \u062a\u062a\u0631\u0627\u0648\u062d \u0645\u0646 3 \u0625\u0644\u0649 5 \u0633\u0646\u0648\u0627\u062a \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u062a\u062c\u0627\u0648\u0632\u0648\u0646 \u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u0633\u0648\u0642 \u0648\u064a\u062d\u0642\u0642\u0648\u0646 \u0639\u0648\u0627\u0626\u062f \u062c\u064a\u062f\u0629. \u064a\u064f\u0646\u0635\u062d \u0628\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0639\u0644\u0649 \u0641\u062a\u0631\u0627\u062a \u0632\u0645\u0646\u064a\u0629 \u0644\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 (Dollar-Cost Averaging).<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u062a\u062a\u064a\u062d \u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u0633\u0647\u0645 \u0627\u0644\u0642\u064a\u0645\u0629 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0645\u0633\u0627\u062d\u0629 \u0623\u0643\u0628\u0631 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0646\u0638\u0631\u064b\u0627 \u0644\u0627\u0646\u062e\u0641\u0627\u0636 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0645\u0645\u0627 \u064a\u0633\u0645\u062d \u0644\u0647\u0645 \u0628\u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642\u060c \u0648\u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0641\u0631\u0635\u0629 \u0623\u0643\u0628\u0631 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0623\u0631\u0628\u0627\u062d. \u0648\u0645\u062b\u0644 \u0623\u064a \u0633\u0647\u0645\u060c \u062a\u062a\u0642\u0644\u0628 \u0623\u0633\u0639\u0627\u0631 \u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u0633\u0647\u0645 \u0627\u0644\u0642\u064a\u0645\u0629\u060c \u0644\u0630\u0627 \u0647\u0646\u0627\u0643 \u062f\u0627\u0626\u0645\u064b\u0627 \u0645\u062e\u0627\u0637\u0631\u0629. \u0645\u0646 \u0627\u0644\u0645\u0647\u0645 \u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u0641\u064a \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0644\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0627\u0644\u0645\u0632\u0627\u064a\u0627<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list pro-list\">\r\n<li>\u063a\u0627\u0644\u0628\u0627\u064b \u0645\u0627 \u062a\u062a\u0645\u064a\u0632 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0642\u064a\u0651\u0645\u0629 \u0628\u062a\u0642\u0644\u0628\u0627\u062a \u0623\u0642\u0644 \u0645\u0646 \u0623\u0633\u0647\u0645 \u0627\u0644\u0646\u0645\u0648\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u062e\u064a\u0627\u0631\u064b\u0627 \u0623\u0643\u062b\u0631 \u0627\u0633\u062a\u0642\u0631\u0627\u0631\u064b\u0627 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0645\u062a\u062d\u0641\u0638\u064a\u0646.<\/li>\r\n\r\n\r\n\r\n<li>\u0642\u062f \u062a\u062d\u0642\u0642 \u0623\u0631\u0628\u0627\u062d\u064b\u0627 \u0643\u0628\u064a\u0631\u0629 \u0641\u064a \u062d\u0627\u0644\u0629 \u062d\u062f\u0648\u062b \u062a\u0635\u062d\u064a\u062d \u0644\u0644\u0633\u0648\u0642 \u0648\u0627\u0644\u0623\u0633\u0647\u0645\u060c \u062d\u064a\u062b 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\u0627\u0644\u0642\u064a\u0645\u0629<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list con-list\">\r\n<li>\u0644\u0627 \u062a\u062d\u0642\u0642 \u0623\u0633\u0647\u0645 \u0627\u0644\u0642\u064a\u0645\u0629 \u0643\u0627\u0645\u0644 \u0625\u0645\u0643\u0627\u0646\u0627\u062a\u0647\u0627 \u0641\u064a \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0635\u0639\u0648\u062f (bull markets)\u060c \u062d\u064a\u062b \u064a\u062a\u0641\u0648\u0642 \u0639\u0644\u064a\u0647\u0627 \u0639\u0627\u062f\u0629\u064b \u0623\u0633\u0647\u0645 \u0627\u0644\u0646\u0645\u0648.<\/li>\r\n\r\n\r\n\r\n<li>\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0623\u0633\u0647\u0645 &#8220;\u0627\u0644\u0631\u062e\u064a\u0635\u0629&#8221; \u0642\u062f \u064a\u0643\u0648\u0646 \u0630\u0627\u062a\u064a\u064b\u0627 \u0648\u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u062a\u062d\u0644\u064a\u0644 \u062f\u0642\u064a\u0642 \u0648\u0645\u062a\u0639\u062f\u062f \u0627\u0644\u062c\u0648\u0627\u0646\u0628\u060c \u0648\u0642\u062f \u064a\u062e\u062a\u0644\u0641 \u0645\u0646 \u0645\u062d\u0644\u0644 \u0644\u0622\u062e\u0631.<\/li>\r\n\r\n\r\n\r\n<li>\u0642\u062f \u064a\u062a\u0637\u0644\u0628 \u0627\u0644\u0623\u0645\u0631 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064b\u0627 \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644 \u0642\u0628\u0644 \u062c\u0646\u064a \u0627\u0644\u0639\u0648\u0627\u0626\u062f\u060c \u0645\u0645\u0627 \u064a\u062a\u0637\u0644\u0628 \u0635\u0628\u0631\u064b\u0627 \u0648\u0627\u0644\u062a\u0632\u0627\u0645\u064b\u0627 \u0628\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 id=\"8\" class=\"wp-block-heading\">5. \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631 \u0646\u0627\u0633\u062f\u0627\u0643 100<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629: \u0645\u062a\u0648\u0633\u0637 &#8211; \u0645\u0631\u062a\u0641\u0639<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0625\u0630\u0627 \u0643\u0627\u0646 \u062a\u0631\u0643\u064a\u0632\u0643 \u064a\u0646\u0635\u0628 \u0639\u0644\u0649 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0641\u0625\u0646 \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631 \u0646\u0627\u0633\u062f\u0627\u0643 100 \u062a\u0648\u0641\u0631 \u0647\u0630\u0627 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0645\u0639 \u062a\u0646\u0648\u064a\u0639 \u0641\u0648\u0631\u064a. \u0628\u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629\u060c \u064a\u062a\u0645 \u062a\u062e\u0641\u064a\u0641 \u0627\u0644\u0636\u063a\u0637 \u0639\u0646\u0643 \u0644\u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629\u060c \u0648\u064a\u0643\u0648\u0646 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\u0646\u0627\u0633\u062f\u0627\u0643 100\u060c \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0642\u0627\u062f\u0631\u064b\u0627 \u0639\u0644\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u062a\u0642\u0644\u0628\u0627\u062a \u0648\u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0647\u062a\u0645\u064b\u0627 \u0628\u0623\u0633\u0647\u0645 \u0627\u0644\u0646\u0645\u0648\u060c \u062d\u064a\u062b \u0623\u0646 \u0628\u0639\u0636 \u0623\u0643\u0628\u0631 \u0634\u0631\u0643\u0627\u062a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0645\u062b\u0644 Apple \u0648Microsoft\u060c \u0647\u064a \u062c\u0632\u0621 \u0645\u0646\u0647. \u064a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0648\u0633\u064a\u0644\u0629 \u0641\u0639\u0627\u0644\u0629 \u0644\u062a\u0648\u0632\u064a\u0639 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\u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631 Nasdaq 100 \u0628\u0646\u0633\u0628 \u0645\u0635\u0627\u0631\u064a\u0641 \u0645\u0646\u062e\u0641\u0636\u0629\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u062e\u064a\u0627\u0631\u064b\u0627 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u064b\u0627 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631.<\/li>\r\n\r\n\r\n\r\n<li>\u064a\u0645\u0643\u0646\u0643 \u0634\u0631\u0627\u0621 \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631 Nasdaq 100 \u0643\u0635\u0646\u0627\u062f\u064a\u0642 ETFs \u0623\u0648 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u0634\u062a\u0631\u0643\u0629\u060c \u0645\u0645\u0627 \u064a\u0648\u0641\u0631 \u0644\u0643 \u0645\u0631\u0648\u0646\u0629 \u0641\u064a \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0639\u064a\u0648\u0628 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list con-list\">\r\n<li>\u064a\u0623\u062a\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u062e\u0627\u0635\u0629\u064b \u0623\u0633\u0647\u0645 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0643\u0628\u0631\u0649\u060c \u0645\u0635\u062d\u0648\u0628\u0627\u064b \u0628\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u062f\u0627\u0626\u0645\u0627\u064b.<\/li>\r\n\r\n\r\n\r\n<li>\u064a\u062a\u0637\u0644\u0628 \u0647\u0630\u0627 \u0627\u0644\u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u064b \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644.<\/li>\r\n\r\n\r\n\r\n<li>\u0642\u062f \u062a\u062a\u0633\u0645 \u0647\u0630\u0647 \u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u062a\u0630\u0628\u0630\u0628.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 id=\"9\" class=\"wp-block-heading\">6. \u0635\u0646\u0627\u062f\u064a\u0642 \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629: \u0645\u062a\u0648\u0633\u0637 &#8211; \u0645\u0631\u062a\u0641\u0639<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0644\u0627 \u062a\u064f\u0639\u062a\u0628\u0631 \u0635\u0646\u0627\u062f\u064a\u0642 \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0642\u0635\u064a\u0631\u0629 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\u064a\u062c\u0639\u0644\u0647\u0627 \u062e\u064a\u0627\u0631\u064b\u0627 \u062c\u0630\u0627\u0628\u064b\u0627 \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u062a\u062d\u0642\u064a\u0642 \u0639\u0648\u0627\u0626\u062f \u0645\u0646\u0627\u0633\u0628\u0629.<\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a\u0627\u062a<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list pro-list\">\r\n<li>\u0642\u062f \u062a\u064f\u0648\u0641\u0651\u0631 \u0639\u0648\u0627\u0626\u062f \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629\u060c \u062e\u0627\u0635\u0629\u064b \u0641\u064a \u0628\u064a\u0626\u0629 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0645\u0633\u062a\u0642\u0631\u0629.<\/li>\r\n\r\n\r\n\r\n<li>\u064a\u0645\u0643\u0646\u0643 \u0634\u0631\u0627\u0621 \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0648\u0633\u0637\u0627\u0621\u060c \u0645\u0627 \u064a\u064f\u0633\u0647\u0651\u0644 \u0639\u0644\u064a\u0643 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0648\u0625\u062f\u0627\u0631\u062a\u0647\u0627 \u0628\u0643\u0641\u0627\u0621\u0629.<\/li>\r\n\r\n\r\n\r\n<li>\u062a\u062a\u0648\u0641\u0631 \u062e\u064a\u0627\u0631\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u0644\u0622\u062c\u0627\u0644 \u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0627\u0644\u0633\u0646\u062f\u0627\u062a\u060c \u0645\u0645\u0627 \u064a\u062a\u064a\u062d \u0644\u0643 \u0645\u0631\u0648\u0646\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0627\u0644\u0639\u064a\u0648\u0628<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list con-list\">\r\n<li>\u0644\u0627 \u062a\u062a\u0645\u062a\u0639 \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0628\u0636\u0645\u0627\u0646\u0627\u062a \u0645\u062b\u0644 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629\u060c \u0644\u0630\u0627 \u0641\u0647\u064a \u062a\u062d\u0645\u0644 \u0645\u062e\u0627\u0637\u0631 \u0623\u0639\u0644\u0649\u060c \u062e\u0627\u0635\u0629\u064b \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f credit default risk.<\/li>\r\n\r\n\r\n\r\n<li>\u0642\u062f \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0635\u0639\u0648\u0628\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0645\u0641\u0627\u062c\u0626\u0629 \u062a\u0639\u064a\u0642 \u0642\u062f\u0631\u062a\u0647\u0627 \u0639\u0644\u0649 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0646\u060c \u0645\u0645\u0627 \u064a\u0639\u0631\u0636 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0643 \u0644\u0644\u062e\u0637\u0631.<\/li>\r\n\r\n\r\n\r\n<li>\u0644\u0627 \u062a\u062a\u063a\u064a\u0631 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0645\u0639 \u0627\u0644\u062a\u0636\u062e\u0645\u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u0622\u0643\u0644 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0644\u0639\u0627\u0626\u062f\u0627\u062a\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a\u060c \u062e\u0627\u0635\u0629\u064b \u0641\u064a \u0628\u064a\u0626\u0629 \u062a\u0636\u062e\u0645\u064a\u0629 \u0645\u0631\u062a\u0641\u0639\u0629.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 id=\"10\" class=\"wp-block-heading\">7. \u062a\u0623\u062c\u064a\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0633\u0643\u0646\u064a\u0629<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629: \u0645\u062a\u0648\u0633\u0637<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0625\u0630\u0627 \u0644\u0645 \u062a\u0643\u0646 \u0644\u062f\u064a\u0643 \u0645\u0634\u0643\u0644\u0629 \u0641\u064a \u0627\u0644\u0639\u0645\u0644 \u0643\u0645\u0627\u0644\u0643 \u0639\u0642\u0627\u0631 \u0648\u064a\u0645\u0643\u0646\u0643 \u0634\u0631\u0627\u0621 \u0639\u0642\u0627\u0631\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629\u060c \u0641\u0625\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0624\u062c\u0631\u0629 \u062a\u064f\u0639\u062f\u0651 \u0637\u0631\u064a\u0642\u0629 \u0631\u0627\u0626\u0639\u0629 \u0644\u062a\u0646\u0648\u064a\u0639 \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629. \u0644\u0646 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\u0639\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644 \u064a\u062a\u064a\u062d \u0644\u0643 \u062f\u062e\u0644\u064b\u0627 \u0645\u0646\u062a\u0638\u0645\u064b\u0627 \u0648\u0641\u0631\u0635\u064b\u0627 \u0644\u0632\u064a\u0627\u062f\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644. \u0648\u0647\u0648 \u064a\u064f\u0639\u0631\u0641 \u0628\u0627\u0633\u062a\u0642\u0631\u0627\u0631\u0647 \u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0631\u063a\u0628 \u0641\u064a \u0627\u0644\u0628\u062f\u0621 \u0628\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0635\u063a\u064a\u0631\u060c \u064a\u0645\u0643\u0646\u0643 \u062a\u0623\u062c\u064a\u0631 \u0645\u0633\u0627\u062d\u0629 \u0641\u064a \u0645\u0646\u0632\u0644\u0643 \u0627\u0644\u062d\u0627\u0644\u064a\u060c \u0645\u062b\u0644 \u0642\u0628\u0648 \u0645\u064f\u062c\u0647\u0651\u0632 \u0623\u0648 \u063a\u0631\u0641\u0629 \u0646\u0648\u0645 \u0625\u0636\u0627\u0641\u064a\u0629\u060c \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0643\u062a\u0633\u0628\u0629 \u0644\u062a\u0648\u0641\u064a\u0631 \u062f\u0641\u0639\u0629 \u0623\u0648\u0644\u0649 \u0644\u0639\u0642\u0627\u0631 \u0622\u062e\u0631 \u0644\u0628\u0646\u0627\u0621 \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629. \u062a\u064f\u0639\u062f \u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0628\u062f\u0627\u064a\u0629 \u0645\u062b\u0627\u0644\u064a\u0629 \u0644\u062f\u062e\u0648\u0644 \u0633\u0648\u0642 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a.<\/p>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a\u0627\u062a<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list pro-list\">\r\n<li>\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0643 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a (Mortgage Financing) \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0642\u0635\u0649 \u0639\u0627\u0626\u062f \u0645\u0645\u0643\u0646.<\/li>\r\n\r\n\r\n\r\n<li>\u064a\u0648\u0641\u0631 \u062f\u062e\u0644 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u062f\u062e\u0644\u0627\u064b \u0634\u0647\u0631\u064a\u064b\u0627 \u0645\u0646\u062a\u0638\u0645\u064b\u0627\u060c \u0645\u0645\u0627 \u064a\u0633\u0627\u0647\u0645 \u0641\u064a \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a.<\/li>\r\n\r\n\r\n\r\n<li>\u064a\u0645\u0643\u0646\u0643 \u062a\u062d\u0642\u064a\u0642 \u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u0642\u064a\u0645\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u0644\u0639\u0642\u0627\u0631\u060c \u0645\u0645\u0627 \u064a\u0648\u0641\u0631 \u0644\u0643 \u0641\u0631\u0635\u0629 \u0646\u0645\u0648 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0643 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h4 class=\"wp-block-heading\">\u0633\u0644\u0628\u064a\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a<\/h4>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list con-list\">\r\n<li>\u064a\u062a\u0637\u0644\u0628 \u0627\u0645\u062a\u0644\u0627\u0643 \u0627\u0644\u0639\u0642\u0627\u0631 \u0648\u0625\u062f\u0627\u0631\u062a\u0647 \u0643\u0645\u0624\u062c\u0631 \u062c\u0647\u062f\u0627\u064b \u0643\u0628\u064a\u0631\u0627\u064b\u060c \u0641\u0647\u0648 \u0644\u064a\u0633 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u064b \u0633\u0644\u0628\u064a\u0627\u064b.<\/li>\r\n\r\n\r\n\r\n<li>\u0644\u0627 \u064a\u0648\u062c\u062f \u0636\u0645\u0627\u0646 \u0644\u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0641\u062a\u0631\u0627\u062a \u0634\u063a\u0648\u0631\u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0639\u0627\u0626\u062f \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631.<\/li>\r\n\r\n\r\n\r\n<li>\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0644\u064a\u0633\u062a \u0623\u0635\u0648\u0644\u0627\u064b \u0633\u0627\u0626\u0644\u0629\u060c \u0623\u064a \u0623\u0646 \u0628\u064a\u0639\u0647\u0627 \u0642\u062f \u064a\u0633\u062a\u063a\u0631\u0642 \u0648\u0642\u062a\u0627\u064b \u0648\u0644\u0627 \u064a\u0645\u0643\u0646 \u062a\u062d\u0648\u064a\u0644\u0647\u0627 \u0625\u0644\u0649 \u0646\u0642\u062f \u0628\u0633\u0647\u0648\u0644\u0629.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 id=\"choosing\" class=\"wp-block-heading\">\u0643\u064a\u0641\u064a\u0629 \u0627\u062e\u062a\u064a\u0627\u0631 \u0623\u0641\u0636\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0643<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u064a\u064f\u0639\u062f \u0627\u062e\u062a\u064a\u0627\u0631 \u0623\u0641\u0636\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0623\u0645\u0631\u064b\u0627 \u0628\u0627\u0644\u063a \u0627\u0644\u0623\u0647\u0645\u064a\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u064a\u0643\u0645\u0646 \u0627\u0644\u0633\u0631 \u0641\u064a \u062a\u062d\u062f\u064a\u062f \u0623\u0647\u0645 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u064a \u062a\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u062a\u062d\u0642\u064a\u0642 \u0647\u0630\u0647 \u0627\u0644\u0623\u0647\u062f\u0627\u0641\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0634\u0645\u0644 \u0645\u0627 \u064a\u0644\u064a:<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">\u0627\u0644\u0623\u0641\u0642 \u0627\u0644\u0632\u0645\u0646\u064a \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u064a\u0644\u0639\u0628 \u0627\u0644\u0623\u0641\u0642 \u0627\u0644\u0632\u0645\u0646\u064a \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u062f\u0648\u0631\u064b\u0627 \u062d\u0627\u0633\u0645\u064b\u0627 \u0641\u064a \u0627\u062e\u062a\u064a\u0627\u0631\u0643 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629. \u0641\u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 \u062a\u062a\u0637\u0644\u0628 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0623\u0643\u062b\u0631 \u062a\u062d\u0641\u0638\u064b\u0627 \u0648\u0633\u064a\u0648\u0644\u0629. \u0628\u0645\u0639\u0646\u0649 \u0622\u062e\u0631\u060c \u064a\u062c\u0628 \u062a\u062c\u0646\u0628 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 \u0627\u0644\u062a\u064a \u062a\u064f\u0642\u064a\u062f \u0623\u0645\u0648\u0627\u0644\u0643 \u0648\u062a\u0645\u0646\u0639\u0643 \u0645\u0646 \u0633\u062d\u0628\u0647\u0627 \u0639\u0646\u062f \u0627\u0644\u062d\u0627\u062c\u0629. \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0622\u0641\u0627\u0642 \u0627\u0644\u0632\u0645\u0646\u064a\u0629 \u0627\u0644\u0642\u0635\u064a\u0631\u0629 \u062a\u0639\u0646\u064a \u0627\u0646\u062e\u0641\u0627\u0636\u064b\u0627 \u0641\u064a \u0645\u0633\u062a\u0648\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0646\u0638\u0631\u064b\u0627 \u0644\u0636\u064a\u0642 \u0627\u0644\u0648\u0642\u062a 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class=\"wp-block-paragraph\">\u062a\u0645\u0643\u0651\u0646\u0643 \u0627\u0644\u0622\u0641\u0627\u0642 \u0627\u0644\u0632\u0645\u0646\u064a\u0629 \u0627\u0644\u0637\u0648\u064a\u0644\u0629 \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0642\u0648\u0629 \u0627\u0644\u0645\u0636\u0627\u0639\u0641\u0629 (Compounding) \u0648\u0632\u064a\u0627\u062f\u0629 \u0641\u0631\u0635 \u0627\u0644\u0646\u0645\u0648\u060c \u062d\u062a\u0649 \u0645\u0639 \u0648\u062c\u0648\u062f \u0641\u062a\u0631\u0627\u062a \u0627\u0646\u062e\u0641\u0627\u0636 \u0645\u0624\u0642\u062a\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642. \u0648\u0647\u0630\u0627 \u064a\u062a\u064a\u062d \u0644\u0643 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0630\u0627\u062a \u0645\u062e\u0627\u0637\u0631 \u0623\u0639\u0644\u0649 \u0648\u0639\u0648\u0627\u0626\u062f \u0645\u062d\u062a\u0645\u0644\u0629 \u0623\u0643\u0628\u0631\u060c \u0645\u062b\u0644 \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0645\u0646\u062e\u0641\u0636\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0645\u062b\u0644 \u0627\u0644\u0633\u0646\u062f\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u064f\u0641\u0636\u0651\u0644 \u0639\u0627\u062f\u0629\u064b \u0644\u0644\u0623\u0647\u062f\u0627\u0641 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u064a\u064f\u0639\u0631\u0641 \u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0628\u0623\u0646\u0647 \u0627\u062e\u062a\u064a\u0627\u0631 \u0634\u062e\u0635\u064a \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 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\u0627\u0644\u0645\u0631\u062a\u0641\u0639 \u062d\u0627\u0644\u064a\u064b\u0627: \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0630\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u0631\u062a\u0641\u0639 (\u062e\u0627\u0635\u0629 \u0645\u0639 \u0627\u0631\u062a\u0641\u0627\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629)\u060c \u0648\u0633\u0646\u062f\u0627\u062a I-bonds\u060c \u0648\u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 (CDs). \u064a\u064f\u0646\u0635\u062d \u0628\u0627\u0644\u0628\u062d\u062b \u0639\u0646 \u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 \u0630\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0623\u0641\u0636\u0644 \u0639\u0627\u0626\u062f \u0645\u0645\u0643\u0646 \u0645\u0639 \u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading h4\">\u0647\u0644 \u0647\u0646\u0627\u0643 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0622\u0645\u0646 \u0628\u0646\u0633\u0628\u0629 100%\u061f<\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0644\u0627 \u064a\u0648\u062c\u062f \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0622\u0645\u0646 \u0628\u0646\u0633\u0628\u0629 100%\u060c \u0648\u0644\u0643\u0646 \u064a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u062e\u0627\u0644\u064a\u064b\u0627 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u062a\u0642\u0631\u064a\u0628\u064b\u0627 \u0625\u0630\u0627 \u0627\u0633\u062a\u062b\u0645\u0631\u062a \u0623\u0645\u0648\u0627\u0644\u0643 \u0641\u064a \u062d\u0633\u0627\u0628 \u062a\u0648\u0641\u064a\u0631 \u0639\u0627\u0644\u064a \u0627\u0644\u0639\u0627\u0626\u062f (HYSA) \u0623\u0648 \u0634\u0647\u0627\u062f\u0629 \u0625\u064a\u062f\u0627\u0639 (CD) \u0641\u064a \u0628\u0646\u0643 \u0645\u0624\u0645\u0651\u0646 \u0645\u0646 \u0642\u0650\u0628\u0644 \u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629 (FDIC) \u0648\u0623\u0628\u0642\u064a\u062a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0643 \u0623\u0642\u0644 \u0645\u0646 \u062d\u062f \u0627\u0644\u0640 250,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0627\u0644\u0630\u064a \u062a\u0636\u0645\u0646\u0647 FDIC. \u064a\u064f\u0639\u062f \u0647\u0630\u0627 \u0627\u0644\u062d\u062f \u0636\u0645\u0627\u0646\u064b\u0627 \u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0648\u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u064f\u0633\u062a\u062d\u0642\u0629 \u0641\u064a \u062d\u0627\u0644\u0629 \u062a\u0639\u062b\u0651\u064f\u0631 \u0627\u0644\u0628\u0646\u0643. \u062a\u062c\u062f\u0631 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0623\u0646\u0651\u064e \u0627\u0644\u0639\u0627\u0626\u062f \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0642\u062f \u0644\u0627 \u064a\u0648\u0627\u0643\u0628 \u0627\u0644\u062a\u0636\u062e\u0645\u060c \u0645\u0645\u0627 \u064a\u064f\u0642\u0644\u0644 \u0645\u0646 \u0627\u0644\u0642\u0648\u0629 \u0627\u0644\u0634\u0631\u0627\u0626\u064a\u0629 \u0644\u0623\u0645\u0648\u0627\u0644\u0643 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644.<\/p>\r\n\r\n\r\n\r\n<h2 id=\"conclusion\" class=\"wp-block-heading\">\u0627\u0644\u062e\u0644\u0627\u0635\u0629<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0627\u062e\u062a\u0631 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0645\u0633\u062a\u0648\u0649 \u062a\u062d\u0645\u0644\u0643 \u0644\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0625\u0637\u0627\u0631\u0643 \u0627\u0644\u0632\u0645\u0646\u064a. \u0627\u0628\u062d\u062b \u0639\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u062a\u0642\u0644\u0628\u0627\u062a\u0647\u0627\u060c \u062d\u062a\u0649 \u0641\u064a \u0627\u0644\u0623\u0648\u0642\u0627\u062a \u0627\u0644\u0635\u0639\u0628\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u062d\u0642\u0642 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0648\u0627\u0626\u062f \u0627\u0644\u062a\u064a \u0633\u062a\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u0628\u0644\u0648\u063a \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u062a\u0630\u0643\u0631 \u0623\u0646 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062c\u064a\u062f \u064a\u062a\u0637\u0644\u0628 \u0645\u0631\u0627\u062c\u0639\u0629 \u062f\u0648\u0631\u064a\u0629 \u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">\u0644\u0627 \u062a\u0646\u0633\u064e \u062a\u0646\u0648\u064a\u0639 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643 \u0644\u062a\u0642\u0644\u064a\u0644 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0643\u0644\u064a\u0629\u060c \u0648\u0623\u0639\u062f \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u064a \u0623\u0631\u0628\u0627\u062d \u0646\u0642\u062f\u064a\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0639\u0648\u0627\u0626\u062f \u0645\u0631\u0643\u0628\u0629. \u064a\u064f\u0646\u0635\u062d \u0628\u0627\u0644\u0628\u062d\u062b \u0639\u0646 \u0641\u0631\u0635 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u062a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\r\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"<p>\u062a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 \u0647\u064a \u0627\u0644\u0645\u0641\u062a\u0627\u062d \u0644\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0644\u0643\u0646 \u0623\u0641\u0636\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u062a\u062a\u063a\u064a\u0631 \u0645\u0639 \u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a\u060c \u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 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