\u0130stiqraz bir \u015firk\u0259t\u0259 t\u0259qdim etdiyiniz t\u0259minats\u0131z kreditdir. \u015eirk\u0259t istiqraz \u00fc\u00e7\u00fcn he\u00e7 bir girov vermir, lakin kreditorlar\u0131na daha y\u00fcks\u0259k faiz d\u0259r\u0259c\u0259si \u00f6d\u0259yir. \u0130flas v\u0259 ya maliyy\u0259 \u00e7\u0259tinlikl\u0259ri hal\u0131nda, istiqraz sahibl\u0259rin\u0259 istiqraz sahibl\u0259rin\u0259 nisb\u0259t\u0259n daha gec \u00f6d\u0259nilir. \u0130stiqrazlar s\u0259hm v\u0259 istiqrazlardan f\u0259rqlidir, baxmayaraq ki, h\u0259r \u00fc\u00e7\u00fc investisiya n\u00f6v\u00fcd\u00fcr. G\u0259lin ki\u00e7ik investorlar v\u0259 sahibkarlar \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif n\u00f6v investisiya variantlar\u0131n\u0131 m\u00fczakir\u0259 ed\u0259k.<\/p>\n
\u0130stiqrazlar S\u0259hml\u0259r\u0259 qar\u015f\u0131:
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S\u0259hml\u0259ri sat\u0131n ald\u0131\u011f\u0131n\u0131z zaman \u015firk\u0259tin sahibl\u0259rind\u0259n biri olursunuz. Sizin s\u0259rv\u0259tiniz \u015firk\u0259tl\u0259 birlikd\u0259 y\u00fcks\u0259lir v\u0259 azal\u0131r. \u018fg\u0259r \u015firk\u0259tin s\u0259hml\u0259ri d\u0259y\u0259r qazan\u0131rsa, investisiyan\u0131z y\u00fcks\u0259k dividendl\u0259r \u00f6d\u0259yir, lakin s\u0259hml\u0259rin d\u0259y\u0259ri azalarsa, investisiyalar a\u015fa\u011f\u0131 g\u0259lirli olur. N\u0259 q\u0259d\u0259r risk ets\u0259niz, qazand\u0131\u011f\u0131n\u0131z m\u00fckafat da o q\u0259d\u0259r y\u00fcks\u0259k olar.<\/p>\n
Borclar s\u0259hml\u0259rd\u0259n daha t\u0259hl\u00fck\u0259sizdir, o m\u0259nada ki, y\u00fcks\u0259k faiz d\u0259r\u0259c\u0259l\u0259ri il\u0259 \u00f6d\u0259ni\u015fl\u0259r\u0259 z\u0259man\u0259t verilir. \u015eirk\u0259t\u0259 borc verdiyiniz pulun \u00f6d\u0259m\u0259 m\u00fcdd\u0259tin\u0259 q\u0259d\u0259r siz\u0259 faiz \u00f6d\u0259nilir, bundan sonra \u015firk\u0259t\u0259 yat\u0131rd\u0131\u011f\u0131n\u0131z h\u0259r \u015fey siz\u0259 geri qaytar\u0131l\u0131r. Faiz istiqrazlardan \u0259ld\u0259 etdiyiniz m\u0259nf\u0259\u0259tdir. S\u0259hml\u0259r meydan\u00e7ada oynama\u011f\u0131 sev\u0259n v\u0259 y\u00fcks\u0259k g\u0259lir \u0259ld\u0259 etm\u0259k \u00fc\u00e7\u00fcn risk etm\u0259y\u0259 haz\u0131r olanlar \u00fc\u00e7\u00fcn olsa da, istiqrazlar t\u0259hl\u00fck\u0259siz v\u0259 etibarl\u0131 g\u0259lir \u0259ld\u0259 etm\u0259k ist\u0259y\u0259n insanlar \u00fc\u00e7\u00fcnd\u00fcr.<\/p>\n
\u0130stiqrazlar v\u0259 \u0130stiqrazlar:
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Bir f\u0259rq istisna olmaqla, istiqrazlar v\u0259 istiqrazlar ox\u015fard\u0131r – istiqrazlar istiqrazlardan daha t\u0259hl\u00fck\u0259sizdir. H\u0259r iki halda siz\u0259 \u015firk\u0259tin s\u0259rv\u0259tind\u0259n as\u0131l\u0131 olmayaraq d\u0259y\u0259ri d\u0259yi\u015fm\u0259y\u0259n z\u0259man\u0259tli faiz \u00f6d\u0259nilir. Bununla bel\u0259, istiqrazlar istiqrazlardan daha t\u0259hl\u00fck\u0259sizdir, lakin daha a\u015fa\u011f\u0131 faiz d\u0259r\u0259c\u0259si da\u015f\u0131y\u0131r. \u015eirk\u0259t kredit \u00fc\u00e7\u00fcn girov t\u0259min edir. Bundan \u0259lav\u0259, l\u0259\u011fv edildikd\u0259, istiqraz sahibl\u0259ri istiqraz sahibl\u0259rind\u0259n \u0259vv\u0259l \u00f6d\u0259nil\u0259c\u0259kdir.<\/p>\n
\u0130stiqraz s\u0259hmd\u0259n daha etibarl\u0131d\u0131r, lakin istiqraz kimi etibarl\u0131 deyil. \u0130flas v\u0259ziyy\u0259tind\u0259 \u015firk\u0259td\u0259n t\u0259l\u0259b ed\u0259 bil\u0259c\u0259yiniz he\u00e7 bir girov yoxdur. Bunu kompensasiya etm\u0259k \u00fc\u00e7\u00fcn \u015firk\u0259tl\u0259r borc sahibl\u0259rin\u0259 daha y\u00fcks\u0259k faiz d\u0259r\u0259c\u0259l\u0259ri \u00f6d\u0259yirl\u0259r.<\/p>\n
S\u0259hm istiqrazlar\u0131 v\u0259 ya istiqrazlar daxil olmaqla b\u00fct\u00fcn investisiyalar risk elementi da\u015f\u0131y\u0131r. \u018fg\u0259r biznesiniz \u00fc\u00e7\u00fcn \u0259n yax\u015f\u0131 investisiya se\u00e7iml\u0259rind\u0259n \u0259min deyilsinizs\u0259, o zaman sizin \u00fc\u00e7\u00fcn m\u00f6vcud olan \u0259n yax\u015f\u0131 investisiya se\u00e7iml\u0259rin\u0259 yol g\u00f6st\u0259r\u0259c\u0259k ki\u00e7ik biznes m\u0259sl\u0259h\u0259t\u00e7isin\u0259 m\u00fcraci\u0259t ed\u0259 bil\u0259rsiniz. Bu g\u00fcn a\u011f\u0131lla investisiya etm\u0259k sabah b\u00f6y\u00fck dividendl\u0259r ver\u0259 bil\u0259r.<\/p>\n