{"id":17418,"date":"2026-09-03T12:35:18","date_gmt":"2026-09-03T09:35:18","guid":{"rendered":"https:\/\/www.dztecs.com\/money\/investments-for-monthly-income\/"},"modified":"2026-09-03T14:27:25","modified_gmt":"2026-09-03T11:27:25","slug":"investments-for-monthly-income","status":"publish","type":"post","link":"https:\/\/www.dztecs.com\/money\/investments-for-monthly-income\/","title":{"rendered":"10 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a: \u0623\u0641\u0636\u0644 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0643\u0644 \u0645\u0633\u062a\u062b\u0645\u0631 \u062a\u064f\u062f\u0631 \u062f\u062e\u0644\u0627\u064b \u0634\u0647\u0631\u064a\u0627\u064b","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<div class=\"vfocused-takeaways-box\">\n<h4 class=\"vfocused-takeaways-title\"><span class=\"vfocused-takeaways-icon\" aria-hidden=\"true\">\ud83d\udca1<\/span> \u0623\u0647\u0645 \u0645\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0645\u0639\u0631\u0641\u062a\u0647<\/h4>\n<ul class=\"vfocused-takeaways-list\">\n<li>\u064a\u062c\u0628 \u062a\u0646\u0648\u064a\u0639 \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0648\u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0623\u0635\u0648\u0644 \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\u0623\u0647\u062f\u0627\u0641\u0643\u060c \u062d\u064a\u062b \u0644\u0627 \u064a\u0648\u062c\u062f \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u062e\u0627\u0644\u064d \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/li>\n<li>\u064a\u0645\u0643\u0646 \u062a\u062d\u0642\u064a\u0642 \u062f\u062e\u0644 \u0634\u0647\u0631\u064a \u0645\u0646 \u0623\u0633\u0647\u0645 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0639\u0628\u0631 \u062a\u062c\u0645\u064a\u0639 \u0623\u0633\u0647\u0645 \u0634\u0631\u0643\u0627\u062a \u062a\u062f\u0641\u0639 \u0623\u0631\u0628\u0627\u062d\u0647\u0627 \u0641\u064a \u0623\u0634\u0647\u0631 \u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0645\u062b\u0644 \u0646\u0627\u064a\u0643\u064a \u0648\u0633\u062a\u0627\u0631\u0628\u0643\u0633 \u0648\u0641\u064a\u0632\u0627.<\/li>\n<li>\u0628\u064a\u0646\u0645\u0627 \u062a\u0648\u0641\u0631 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0645\u062b\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0645\u0648\u0644\u0629 \u062c\u0645\u0627\u0639\u064a\u064b\u0627 \u0648\u0627\u0644\u0625\u062a\u0627\u0648\u0627\u062a \u0623\u0639\u0644\u0649 \u0639\u0648\u0627\u0626\u062f \u0634\u0647\u0631\u064a\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 20%\u060c \u062a\u064f\u0639\u062f \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 \u0627\u0644\u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u064b\u0627 \u0631\u063a\u0645 \u0627\u0646\u062e\u0641\u0627\u0636 \u0623\u0631\u0628\u0627\u062d\u0647\u0627.<\/li>\n<\/ul>\n<\/div>\n<nav class=\"vfocused-toc-box\" aria-label=\"\u062c\u062f\u0648\u0644 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a\"><strong class=\"vfocused-toc-title\">\ud83d\udccc \u062c\u062f\u0648\u0644 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a<\/strong><\/p>\n<ul class=\"vfocused-toc-list\">\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-1\">\u0623\u0641\u0636\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0644\u0644\u062f\u062e\u0644 \u0627\u0644\u0634\u0647\u0631\u064a<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-2\">\u0644\u0645\u0627\u0630\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0633\u0644\u0628\u064a \u0627\u0644\u0634\u0647\u0631\u064a\u061f<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-3\">\u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u064a\u0646 \u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0634\u0647\u0631\u064a\u0629<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-4\">\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u062d\u0648\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0634\u0647\u0631\u064a<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-5\">\u0645\u0644\u062e\u0635<\/a><\/li>\n<\/ul>\n<\/nav>\n<p>\u0623\u0644\u064a\u0633 \u0631\u0627\u0626\u0639\u064b\u0627 \u0623\u0646 \u062a\u062c\u062f <strong>\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u062a\u062f\u0631 \u062f\u062e\u0644\u0627\u064b \u0634\u0647\u0631\u064a\u064b\u0627<\/strong> \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u062d\u0644 \u0645\u062d\u0644 \u0631\u0627\u062a\u0628\u0643 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0641\u061f \u0628\u064a\u0646\u0645\u0627 \u062a\u062a\u0645\u064a\u0632 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0628\u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0645\u062e\u0627\u0637\u0631 \u0645\u062e\u062a\u0644\u0641\u0629 \u0648\u062a\u0648\u0641\u0631 \u0644\u0643 \u0627\u0644\u062a\u0639\u0631\u0636 \u0644\u0641\u0626\u0627\u062a \u0623\u0635\u0648\u0644 \u0623\u062e\u0631\u0649\u060c \u0641\u0625\u0646 \u0627\u0644\u0633\u0645\u0629 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0627\u0644\u0648\u062d\u064a\u062f\u0629 \u0628\u064a\u0646\u0647\u0627 \u0647\u064a \u0642\u062f\u0631\u062a\u0647\u0627 \u0639\u0644\u0649 \u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0641\u064a \u062a\u062d\u0642\u064a\u0642 \u062f\u062e\u0644 \u0634\u0647\u0631\u064a.<\/p>\n<div class=\"featured-image-container\" style=\"margin: 20px 0; text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-featured-og\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/interest-earned-2.jpeg\" alt=\"10 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a: \u0623\u0641\u0636\u0644 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0643\u0644 \u0645\u0633\u062a\u062b\u0645\u0631 \u062a\u062f\u0631 \u062f\u062e\u0644\u0627\u064b \u0634\u0647\u0631\u064a\u0627\u064b\" width=\"1200\" height=\"675\" \/><\/div>\n<h2 id=\"section-1\">\u0623\u0641\u0636\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0644\u0644\u062f\u062e\u0644 \u0627\u0644\u0634\u0647\u0631\u064a<\/h2>\n<p>\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0633\u0627\u0639\u062f\u0643 \u0623\u0641\u0643\u0627\u0631 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0647\u0630\u0647 \u0641\u064a \u062a\u062d\u0642\u064a\u0642 \u062f\u062e\u0644 \u0645\u062a\u0643\u0631\u0631. \u0628\u0639\u0636 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0623\u0643\u062b\u0631 \u062e\u0637\u0648\u0631\u0629 \u0645\u0646 \u063a\u064a\u0631\u0647\u0627\u060c \u0648\u0644\u0643\u0644 \u0645\u0646\u0647\u0627 \u0625\u0645\u0643\u0627\u0646\u0627\u062a \u062f\u062e\u0644 \u0645\u062e\u062a\u0644\u0641\u0629. \u0648\u0643\u0645\u0627 \u0647\u0648 \u0627\u0644\u062d\u0627\u0644 \u062f\u0627\u0626\u0645\u064b\u0627\u060c \u0645\u0646 \u0627\u0644\u0645\u0647\u0645 \u062a\u0646\u0648\u064a\u0639 \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0623\u0635\u0648\u0644 \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.<\/p>\n<h3>1. \u0623\u0633\u0647\u0645 \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/h3>\n<p><strong>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641: <\/strong>1.5% \u0625\u0644\u0649 5%<\/p>\n<p>\u064a\u0645\u0643\u0646 \u0644\u0644\u0623\u0633\u0647\u0645 \u0623\u0646 \u062a\u062f\u0631 \u0623\u0631\u0628\u0627\u062d\u064b\u0627 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0628\u0637\u0631\u064a\u0642\u062a\u064a\u0646. \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0648\u0627\u0644\u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u064b\u0627 \u0647\u064a \u0627\u0631\u062a\u0641\u0627\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0623\u0633\u0647\u0645. \u0623\u0645\u0627 \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u0641\u0647\u064a \u062f\u062e\u0644 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d. \u064a\u062d\u062f\u062b \u062f\u062e\u0644 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0639\u0646\u062f\u0645\u0627 \u062a\u062d\u0642\u0642 \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u064a \u062a\u0645\u062a\u0644\u0643 \u0623\u0633\u0647\u0645\u064b\u0627 \u0641\u064a\u0647\u0627 \u0623\u0631\u0628\u0627\u062d\u064b\u0627 \u0625\u0636\u0627\u0641\u064a\u0629\u060c \u0648\u0646\u062a\u064a\u062c\u0629 \u0644\u0630\u0644\u0643\u060c \u062a\u062a\u0644\u0642\u0649 \u062f\u0641\u0639\u0629 \u0646\u0642\u062f\u064a\u0629.<\/p>\n<p><strong>\u0647\u0646\u0627\u0643 \u0639\u062f\u0629 \u0637\u0631\u0642 \u0644\u0643\u0633\u0628 \u062f\u062e\u0644 \u0645\u0646 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d\u060c \u0645\u0646\u0647\u0627:<\/strong><\/p>\n<ul>\n<li>\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0631\u0643\u0632 \u0639\u0644\u0649 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/li>\n<li>\u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0641\u0631\u062f\u064a\u0629<\/li>\n<li>\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a (REITs)<\/li>\n<li>\u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629<\/li>\n<\/ul>\n<p>\u062a\u062f\u0641\u0639 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u062f\u0641\u0639\u0629 \u0648\u0627\u062d\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0645\u0646 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0633\u0646\u0648\u064a\u064b\u0627. \u0644\u0627 \u062a\u062f\u0641\u0639 \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0633\u0647\u0645 \u0623\u0631\u0628\u0627\u062d\u064b\u0627\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 &#8220;\u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0642\u064a\u0627\u062f\u064a\u0629&#8221; (blue-chip stocks) \u0627\u0644\u0631\u0627\u0633\u062e\u0629 \u062a\u062f\u0641\u0639 \u0623\u0631\u0628\u0627\u062d\u064b\u0627 \u0631\u0628\u0639 \u0633\u0646\u0648\u064a\u0629. \u0642\u062f \u064a\u0634\u062a\u0631\u064a \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646 \u0623\u0633\u0647\u0645 \u0623\u0631\u0628\u0627\u062d \u0641\u0631\u062f\u064a\u0629 \u0644\u0643\u0633\u0628 \u062f\u062e\u0644 \u0645\u0646 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0643\u0644 \u0634\u0647\u0631.<\/p>\n<p>\u0645\u0646 \u062e\u0644\u0627\u0644 \u062e\u0637\u0629 \u0625\u0639\u0627\u062f\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0623\u0631\u0628\u0627\u062d\u060c \u064a\u0645\u0643\u0646\u0643 \u0625\u0639\u0627\u062f\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u0631\u0628\u0627\u062d\u0643 \u0644\u0634\u0631\u0627\u0621 \u0623\u0633\u0647\u0645 \u0625\u0636\u0627\u0641\u064a\u0629 \u0645\u0646 \u0646\u0641\u0633 \u0627\u0644\u0633\u0647\u0645. \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0645\u062d\u0641\u0638\u062a\u0643 \u0643\u0628\u064a\u0631\u0629 \u0628\u0645\u0627 \u064a\u0643\u0641\u064a\u060c \u064a\u0645\u0643\u0646\u0643 \u0623\u064a\u0636\u064b\u0627\u00a0\u0627\u0644\u0639\u064a\u0634 \u0645\u0646 \u0639\u0627\u0626\u062f \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d.<\/p>\n<p>\u0642\u062f \u064a\u0643\u0648\u0646 \u062a\u062a\u0628\u0639 \u062f\u062e\u0644 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0648\u0635\u0627\u0641\u064a \u062b\u0631\u0648\u062a\u0643 \u0623\u0645\u0631\u064b\u0627 \u0635\u0639\u0628\u064b\u0627 \u0645\u0639 \u062a\u0648\u0633\u0639 \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629. \u064a\u0645\u0643\u0646\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 <a href=\"https:\/\/thedividendtracker.com\/?ref=x03qrL\" target=\"_blank\" rel=\"noopener noreferrer\">The Dividend Tracker<\/a> \u0645\u062c\u0627\u0646\u064b\u0627 \u0644\u0645\u0631\u0627\u0642\u0628\u0629 <a class=\"vfocused-internal-link\" title=\"\u0627\u0643\u062a\u0634\u0641 \u0623\u0641\u0636\u0644 \u0661\u0660 \u062c\u062f\u0627\u0648\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062c\u0627\u0646\u064a\u0629 \u0644\u062a\u062d\u062f\u064a\u062f \u0635\u0627\u0641\u064a \u062b\u0631\u0648\u062a\u0643 \u0628\u062f\u0642\u0629\" href=\"https:\/\/www.dztecs.com\/money\/free-net-worth-spreadsheets\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0635\u0627\u0641\u064a \u062b\u0631\u0648\u062a\u0643<\/a> \u0648\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643.<\/p>\n<h4>\u0625\u0646\u0634\u0627\u0621 \u0645\u062d\u0641\u0638\u0629 \u0623\u0631\u0628\u0627\u062d \u0634\u0647\u0631\u064a\u0629<\/h4>\n<p>\u062a\u062f\u0641\u0639 \u0643\u0644 \u0634\u0631\u0643\u0629 \u0623\u0631\u0628\u0627\u062d\u0647\u0627 \u0641\u064a \u0623\u0634\u0647\u0631 \u0645\u062e\u062a\u0644\u0641\u0629. \u0644\u0630\u0644\u0643\u060c \u0633\u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0627\u0645\u062a\u0644\u0627\u0643 \u0639\u062f\u0629 \u0623\u0633\u0647\u0645 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062f\u0641\u0639\u0629 \u0623\u0631\u0628\u0627\u062d \u0648\u0627\u062d\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0643\u0644 \u0634\u0647\u0631.<\/p>\n<p><strong>\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u062a\u0636\u0645\u0646 \u0645\u062d\u0641\u0638\u0629 \u0646\u0645\u0648\u0630\u062c\u064a\u0629 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u062b\u0644\u0627\u062b\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/strong><\/p>\n<ul>\n<li><strong>\u0646\u0627\u064a\u0643\u064a (Nike) (NKE):<\/strong> \u064a\u0646\u0627\u064a\u0631\u060c \u0623\u0628\u0631\u064a\u0644\u060c \u064a\u0648\u0644\u064a\u0648\u060c \u0648\u0623\u0643\u062a\u0648\u0628\u0631<\/li>\n<li><strong>\u0633\u062a\u0627\u0631\u0628\u0643\u0633 (Starbucks) (SBUX):<\/strong> \u0641\u0628\u0631\u0627\u064a\u0631\u060c \u0645\u0627\u064a\u0648\u060c \u0623\u063a\u0633\u0637\u0633\u060c \u0648\u0646\u0648\u0641\u0645\u0628\u0631<\/li>\n<li><strong>\u0641\u064a\u0632\u0627 (Visa) (V): <\/strong>\u0645\u0627\u0631\u0633\u060c \u064a\u0648\u0646\u064a\u0648\u060c \u0633\u0628\u062a\u0645\u0628\u0631\u060c \u0648\u062f\u064a\u0633\u0645\u0628\u0631<\/li>\n<\/ul>\n<p>\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0623\u0646 \u0643\u0644 \u0634\u0631\u0643\u0629 \u062a\u062f\u0641\u0639 \u0623\u0631\u0628\u0627\u062d\u064b\u0627 \u0631\u0628\u0639 \u0633\u0646\u0648\u064a\u0629\u060c \u0625\u0644\u0627 \u0623\u0646\u0643 \u0633\u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u062f\u0641\u0639\u0629 \u0623\u0631\u0628\u0627\u062d \u0643\u0644 \u0634\u0647\u0631 \u0645\u0646 \u0627\u0644\u0639\u0627\u0645 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u062d\u0641\u0638\u0629 \u0643\u0647\u0630\u0647.<\/p>\n<p>\u0643\u0645\u0627 \u0647\u0648 \u0627\u0644\u062d\u0627\u0644 \u062f\u0627\u0626\u0645\u064b\u0627\u060c \u0642\u0645 \u0628\u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u0648\u0627\u0628\u062d\u062b \u062c\u064a\u062f\u064b\u0627 \u0641\u064a \u0627\u0644\u0623\u0633\u0647\u0645 \u0642\u0628\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631.<\/p>\n<p>M1 Finance<\/p>\n<ul>\n<li>\u0637\u0631\u064a\u0642\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u062a\u0646\u0648\u064a\u0639 \u0645\u062d\u0641\u0638\u062a\u0643<\/li>\n<li>\u062a\u062a\u0648\u0641\u0631 \u0623\u0633\u0647\u0645 \u062c\u0632\u0626\u064a\u0629<\/li>\n<li>\u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/li>\n<\/ul>\n<p>\u0632\u0631 M1 Finance<br \/>\n\u0645\u0631\u0627\u062c\u0639\u062a\u0646\u0627<\/p>\n<h3>2. \u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639 (CDs)<\/h3>\n<p><strong>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641: <\/strong>3.50%<\/p>\n<p>\u064a\u0645\u0643\u0646 \u0644\u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 (CDs) \u0623\u0646 \u062a\u062d\u0642\u0642 \u0639\u0627\u0626\u062f\u064b\u0627 \u0623\u0639\u0644\u0649 \u0645\u0646 \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\u060c \u0648\u0630\u0644\u0643 \u0644\u0623\u0646\u0643 \u062a\u0633\u062a\u062b\u0645\u0631 \u0623\u0645\u0648\u0627\u0644\u0643 \u0644\u0641\u062a\u0631\u0629 \u0632\u0645\u0646\u064a\u0629 \u0645\u062d\u062f\u062f\u0629. \u0648\u064a\u0639\u0646\u064a \u0627\u0644\u0633\u062d\u0628 \u0627\u0644\u0645\u0628\u0643\u0631 \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0647\u0627\u062f\u0627\u062a \u0623\u0646\u0643 \u0633\u062a\u062e\u0633\u0631 \u0639\u062f\u0629 \u0623\u0634\u0647\u0631 \u0645\u0646 \u062f\u062e\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629.<\/p>\n<p>\u062a\u0633\u0645\u062d \u0645\u0639\u0638\u0645 \u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0628\u062a\u0644\u0642\u064a \u062f\u0641\u0639\u0627\u062a \u0641\u0627\u0626\u062f\u0629 \u0634\u0647\u0631\u064a\u0629 \u0623\u0648 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0643\u0627\u0645\u0644 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0645\u062f\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631. \u064a\u062a\u064a\u062d \u0644\u0643 \u0628\u0646\u0627\u0621 \u0633\u0644\u0645 \u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0623\u0641\u0636\u0644 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0645\u0639 \u062a\u0642\u0644\u0628 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629. \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u062a\u0636\u0645\u0646 \u0633\u0644\u0645\u0643 \u062a\u0648\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0645\u062a\u062f\u0627\u062e\u0644\u0629 \u0644\u062a\u0646\u0648\u064a\u0639 \u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0641\u0627\u0626\u062f\u0629.<\/p>\n<p>\u062a\u064f\u0639\u062f \u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064b\u0627 \u0645\u0646\u062e\u0641\u0636 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0647\u064a <a href=\"https:\/\/www.fdic.gov\/resources\/deposit-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0645\u0624\u0645\u0646\u0629 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 (FDIC)<\/a>. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0627\u0644\u0648\u0635\u0648\u0644 \u0627\u0644\u0641\u0648\u0631\u064a \u0625\u0644\u064a\u0647\u0627 \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u064a\u062f\u0627\u0639. \u062a\u0642\u062f\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0623\u064a\u0636\u064b\u0627 \u0634\u0647\u0627\u062f\u0627\u062a \u0625\u064a\u062f\u0627\u0639 \u0628\u062f\u0648\u0646 \u063a\u0631\u0627\u0645\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0641\u0631\u0636 \u0639\u0642\u0648\u0628\u0629 \u0639\u0644\u0649 \u0627\u0644\u0633\u062d\u0628 \u0627\u0644\u0645\u0628\u0643\u0631 \u0648\u0644\u0643\u0646\u0647\u0627 \u062a\u0642\u062f\u0645 \u0639\u0627\u0626\u062f\u064b\u0627 \u0623\u0642\u0644 \u0645\u0646 \u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0630\u0627\u062a \u0627\u0644\u0623\u062c\u0644 \u0627\u0644\u062b\u0627\u0628\u062a.<\/p>\n<p><center><a href=\"https:\/\/citbank.sjv.io\/c\/324577\/2710491\/30164\" target=\"_blank\" rel=\"noopener noreferrer\"><br \/>\n<\/a><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17421\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/image-6c0de89f53a0f1268bc23ae8c47c11e3.gif\" alt=\"\" width=\"1\" height=\"1\" \/><\/center><\/p>\n<h3>3. \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<\/h3>\n<p><strong>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641: <\/strong>5.00%<\/p>\n<p>\u064a\u0645\u0643\u0646 <strong>\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0630\u064a \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u0631\u062a\u0641\u0639<\/strong> \u0623\u0646 \u064a\u062d\u0642\u0642 \u0645\u0639\u062f\u0644 \u0641\u0627\u0626\u062f\u0629 \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u0643\u0645\u0627 \u064a\u062a\u064a\u062d \u0644\u0643 \u0625\u062c\u0631\u0627\u0621 \u0633\u062d\u0648\u0628\u0627\u062a \u0628\u062f\u0648\u0646 \u063a\u0631\u0627\u0645\u0627\u062a. \u0644\u0627 \u062a\u062a\u0637\u0644\u0628 \u0645\u0639\u0638\u0645 \u0647\u0630\u0647 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u062d\u062f\u064b\u0627 \u0623\u062f\u0646\u0649 \u0644\u0644\u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0623\u0648\u0644\u064a \u0623\u0648 \u0631\u0635\u064a\u062f\u064b\u0627 \u0645\u0633\u062a\u0645\u0631\u064b\u0627\u060c \u0648\u0644\u0627 \u062a\u0641\u0631\u0636 \u0631\u0633\u0648\u0645 \u062e\u062f\u0645\u0629 \u0634\u0647\u0631\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0630\u0627\u062a \u0627\u0644\u0641\u0631\u0648\u0639 \u0627\u0644\u0645\u0627\u062f\u064a\u0629.<\/p>\n<p>\u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0647\u0646\u0627\u0643 \u0628\u0639\u0636 \u0627\u0644\u0642\u064a\u0648\u062f \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0646\u0637\u0628\u0642 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0639\u0627\u062f\u064a\u0629. \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0642\u062f \u064a\u0643\u0648\u0646 \u0627\u0644\u062d\u0633\u0627\u0628 \u0645\u062a\u0627\u062d\u064b\u0627 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0641\u0642\u0637 \u0648\u064a\u0633\u0645\u062d \u0628\u0645\u0627 \u064a\u0635\u0644 \u0625\u0644\u0649 \u0633\u062a\u0629 \u0633\u062d\u0648\u0628\u0627\u062a \u0634\u0647\u0631\u064a\u0629 \u0643\u062d\u062f \u0623\u0642\u0635\u0649. \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0642\u064a\u0648\u062f\u060c \u062a\u064f\u0639\u062f \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0630\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u0629 \u0645\u0646 \u0623\u0641\u0636\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 \u0644\u062a\u062e\u0632\u064a\u0646 \u0627\u0644\u0623\u0645\u0648\u0627\u0644.<\/p>\n<p>\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0628\u062d\u062b \u0639\u0646 \u0628\u0646\u0643 \u064a\u062f\u0641\u0639 \u0641\u0627\u0626\u062f\u0629 \u0623\u0639\u0644\u0649 \u0628\u0640 16 \u0645\u0631\u0629 \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0648\u0637\u0646\u064a\u060c \u0641\u0641\u0643\u0631 \u0641\u064a CIT Bank\u060c \u0627\u0644\u0630\u064a \u064a\u0642\u062f\u0645 \u062d\u0633\u0627\u0628 Savings Connect \u0628\u0641\u0627\u0626\u062f\u0629 \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629.<\/p>\n<p><center><a href=\"https:\/\/citbank.sjv.io\/c\/324577\/2636816\/30164\" target=\"_blank\" rel=\"noopener noreferrer\"><br \/>\n<\/a><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17422\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/image-45fd6124894df6413e7978352e438dca.gif\" alt=\"\" width=\"1\" height=\"1\" \/><\/center><\/p>\n<h3>4. \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0633\u0646\u062f\u0627\u062a<\/h3>\n<p><strong>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641: <\/strong>0.10% \u0625\u0644\u0649 3.30%<\/p>\n<p>\u062a\u064f\u0639\u062f \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0648\u0627\u0644\u062d\u0643\u0648\u0645\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064b\u0627 \u0623\u0633\u0627\u0633\u064a\u064b\u0627 \u0644\u0644\u062f\u062e\u0644 \u0627\u0644\u062b\u0627\u0628\u062a. \u062a\u062a\u0645\u062a\u0639 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0628\u0625\u0645\u0643\u0627\u0646\u0627\u062a \u0646\u0645\u0648 \u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0648\u0644\u0643\u0646\u0647\u0627 \u0623\u0643\u062b\u0631 \u0639\u0631\u0636\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u062f\u062e\u0644 \u0645\u062a\u0643\u0631\u0631. \u062a\u064f\u0639\u062f \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a\u060c \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646\u0643 \u0634\u0631\u0627\u0624\u0647\u0627 \u0636\u0645\u0646 \u062e\u0637\u0629 401(k) \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0623\u0648 \u0639\u0628\u0631 \u062a\u0637\u0628\u064a\u0642 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u060c \u0623\u0633\u0647\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0633\u0646\u062f\u0627\u062a.<\/p>\n<p>\u062a\u0633\u062a\u062b\u0645\u0631 \u0645\u0639\u0638\u0645 \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0641\u064a \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0648\u0627\u0644\u062d\u0643\u0648\u0645\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a. \u064a\u062a\u0645 \u062a\u062f\u0627\u0648\u0644 \u0647\u0630\u0647 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639 \u0648\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0623\u0642\u0644 \u062e\u0637\u0648\u0631\u0629 \u0645\u0646 &#8220;\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0636\u0627\u0631\u0628\u0629&#8221; (junk bonds) \u0623\u0648 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629 \u0630\u0627\u062a \u0627\u0644\u062a\u0635\u0646\u064a\u0641\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629 \u0648\u0644\u0643\u0646 \u0627\u0644\u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0627\u0644\u0623\u0639\u0644\u0649.<\/p>\n<p>\u0623\u062d\u062f \u0627\u0644\u0623\u0645\u062b\u0644\u0629 \u0639\u0644\u0649 \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0647\u0648 <a href=\"https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/bnd\" target=\"_blank\" rel=\"noopener noreferrer\">\u0635\u0646\u062f\u0648\u0642 Vanguard Total Bond Market ETF (BND)<\/a>. \u064a\u062a\u064a\u062d \u0647\u0630\u0627 \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u062a\u0639\u0631\u0636 \u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062e\u0632\u0627\u0646\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0648\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0630\u0627\u062a \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a. \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0631\u063a\u0628 \u0641\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u062e\u0627\u0631\u062c \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u0641\u0625\u0646 \u0628\u0639\u0636 \u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u062a\u0633\u062a\u062b\u0645\u0631 \u0641\u064a \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n<p>\u062a\u0631\u0643\u0632 \u0635\u0646\u0627\u062f\u064a\u0642 \u0623\u062e\u0631\u0649 \u0639\u0644\u0649 \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0633\u0646\u062f\u0627\u062a \u0630\u0627\u062a \u062a\u0648\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0645\u062b\u0644 10 \u0623\u0648 20 \u0639\u0627\u0645\u064b\u0627. \u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u062a\u0643\u0648\u0646 \u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644. \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u062c\u0632\u0621\u064b\u0627 \u0623\u0633\u0627\u0633\u064a\u064b\u0627 \u0645\u0646 \u0645\u062d\u0641\u0638\u0629 Boglehead \u062b\u0644\u0627\u062b\u064a\u0629 \u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642. \u0623\u062d\u062f \u0633\u0644\u0628\u064a\u0627\u062a \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0647\u0648 \u0623\u0646 \u0633\u0639\u0631 \u0627\u0644\u0633\u0647\u0645 \u0648\u0645\u0639\u062f\u0644 \u0627\u0644\u0639\u0627\u0626\u062f \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u062a\u0642\u0644\u0628\u0627.<\/p>\n<p>\u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0633\u064a\u0648\u0644\u0629 \u0646\u0642\u062f\u064a\u0629 \u0643\u0628\u064a\u0631\u0629 \u0634\u0631\u0627\u0621 \u0633\u0646\u062f\u0627\u062a \u0641\u0631\u062f\u064a\u0629. \u0642\u062f \u062a\u062a\u0637\u0644\u0628 \u0647\u0630\u0647 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064b\u0627 \u0623\u062f\u0646\u0649 \u0642\u062f\u0631\u0647 50,000 \u062f\u0648\u0644\u0627\u0631 \u0644\u0643\u0644 \u0645\u0631\u0643\u0632\u060c \u0648\u0644\u0643\u0646\u0647\u0627 \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u062d\u0642\u0642 \u0639\u0648\u0627\u0626\u062f \u0623\u0639\u0644\u0649 \u0645\u0646 \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0633\u0646\u062f\u0627\u062a.<\/p>\n<h3>5. \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629<\/h3>\n<p><strong>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641: <\/strong>7%<\/p>\n<p>\u062a\u064f\u0639\u062a\u0628\u0631 \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0635\u063a\u064a\u0631\u0629 \u062c\u062f\u064b\u0627 \u0628\u062d\u064a\u062b \u0644\u0627 \u062a\u0633\u062a\u062b\u0645\u0631 \u0641\u064a\u0647\u0627 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649\u060c \u0644\u0643\u0646\u0647\u0627 \u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 \u062f\u062e\u0644 \u062b\u0627\u0628\u062a \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0623\u0641\u0631\u0627\u062f.<\/p>\n<p>\u062a\u0642\u062f\u0645 Worthy Bonds \u0633\u0646\u062f\u0627\u062a \u0634\u0631\u0643\u0627\u062a \u0635\u063a\u064a\u0631\u0629 \u0628\u062d\u062f \u0623\u062f\u0646\u0649 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u064a\u0628\u0644\u063a <strong>10 \u062f\u0648\u0644\u0627\u0631\u0627\u062a \u0648\u0639\u0627\u0626\u062f \u0633\u0646\u0648\u064a \u0642\u062f\u0631\u0647 5.5%<\/strong>. \u062a\u0633\u062a\u062d\u0642 \u0647\u0630\u0647 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0628\u0639\u062f 36 \u0634\u0647\u0631\u064b\u0627\u060c \u0648\u0644\u0643\u0646 \u064a\u0645\u0643\u0646\u0643 \u0628\u064a\u0639 \u062d\u0635\u0635\u0643 \u0645\u0628\u0643\u0631\u064b\u0627 \u062f\u0648\u0646 \u0623\u064a \u063a\u0631\u0627\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0645\u0628\u0643\u0631.<\/p>\n<p>\u0646\u0638\u0631\u064b\u0627 \u0644\u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0623\u0643\u062b\u0631 \u062e\u0637\u0648\u0631\u0629 \u0645\u0646 \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649 \u0648\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629\u060c \u0641\u0625\u0646\u0647\u0627 \u062a\u062f\u0641\u0639 \u0639\u0627\u0626\u062f\u064b\u0627 \u0633\u0646\u0648\u064a\u064b\u0627 \u0623\u0639\u0644\u0649. \u062a\u0642\u062a\u0631\u0636 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0628\u0623\u0633\u0639\u0627\u0631 \u0641\u0627\u0626\u062f\u0629 \u0623\u0639\u0644\u0649\u060c \u0648\u062a\u062d\u0635\u0644 \u0623\u0646\u062a \u0639\u0644\u0649 7% \u0645\u0646 \u062f\u062e\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629. \u0642\u062f \u062a\u0641\u0643\u0631 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0643\u0628\u062f\u064a\u0644 \u0644\u0640 &#8220;\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u0636\u0627\u0631\u0628\u0629&#8221; (junk bonds) \u0630\u0627\u062a \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0627\u0644\u0645\u0646\u062e\u0641\u0636\u060c \u0648\u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0642\u062f\u0645 \u0639\u0648\u0627\u0626\u062f \u062a\u0646\u0627\u0641\u0633\u064a\u0629.<\/p>\n<p>\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0623\u0646 \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0636\u0645\u0627\u0646\u0627\u062a\u060c \u0625\u0644\u0627 \u0623\u0646 \u062e\u0633\u0627\u0631\u0629 \u0631\u0635\u064a\u062f \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0643 \u0623\u0645\u0631 \u0645\u062d\u062a\u0645\u0644 \u0625\u0630\u0627 \u062a\u062e\u0644\u0641 \u0627\u0644\u0645\u0642\u062a\u0631\u0636 \u0639\u0646 \u0633\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a\u0647.<\/p>\n<p>Worthy Bonds<\/p>\n<ul>\n<li>\u0627\u0633\u062a\u062b\u0645\u0631 \u0628\u0645\u0628\u0627\u0644\u063a \u0635\u063a\u064a\u0631\u0629 \u0623\u0648 \u0643\u0628\u064a\u0631\u0629<\/li>\n<li>\u0644\u0627 \u062a\u0648\u062c\u062f \u063a\u0631\u0627\u0645\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0633\u062d\u0628 \u0627\u0644\u0645\u0628\u0643\u0631<\/li>\n<li>\u0646\u0631\u062d\u0628 \u0628\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u064a\u0646<\/li>\n<\/ul>\n<h3>6. \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0645\u0648\u0644\u0629 \u062c\u0645\u0627\u0639\u064a\u064b\u0627<\/h3>\n<p><strong>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641: <\/strong>6% \u0625\u0644\u0649 12%<\/p>\n<p>\u064a\u062a\u064a\u062d \u0644\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u062a\u062d\u0642\u064a\u0642 \u062f\u062e\u0644 \u0633\u0644\u0628\u064a \u0645\u0646 \u0627\u0644\u0634\u0642\u0642 \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0639\u0627\u0626\u0644\u0627\u062a \u0648\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629. \u062a\u0633\u062a\u062b\u0645\u0631 \u0641\u064a \u0645\u0634\u0627\u0631\u064a\u0639 \u0639\u0627\u0645\u0629 \u063a\u064a\u0631 \u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u062a\u062a\u0637\u0644\u0628 \u0627\u0644\u062a\u0632\u0627\u0645\u064b\u0627 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u064b\u0627 \u0644\u0639\u062f\u0629 \u0633\u0646\u0648\u0627\u062a.<\/p>\n<p>\u064a\u0645\u0643\u0646 \u0644\u0641\u0643\u0631\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0647\u0630\u0647 \u0623\u0646 \u062a\u062d\u0642\u0642 \u0639\u0648\u0627\u0626\u062f \u0623\u0639\u0644\u0649 \u0645\u0646 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 (REIT) \u0623\u0648 \u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646\u0643 \u0634\u0631\u0627\u0624\u0647\u0627 \u0639\u0628\u0631 \u062a\u0637\u0628\u064a\u0642 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a. \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0645\u0648\u0644\u0629 \u062c\u0645\u0627\u0639\u064a\u064b\u0627 \u0644\u0627 \u062a\u0645\u062a\u0644\u0643 \u0623\u0633\u0639\u0627\u0631 \u0623\u0633\u0647\u0645 \u0645\u062a\u063a\u064a\u0631\u0629 \u0645\u062b\u0644 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0623\u0633\u0647\u0645. \u0648\u0627\u0644\u0623\u0641\u0636\u0644 \u0645\u0646 \u0630\u0644\u0643\u060c \u0623\u0646\u0643 \u0644\u0627 \u062a\u0636\u0637\u0631 \u0625\u0644\u0649 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0642\u0627\u0631 \u0628\u0646\u0641\u0633\u0643 \u0643\u0645\u0627 \u0644\u0648 \u0643\u0646\u062a \u062a\u0645\u0644\u0643 \u0639\u0642\u0627\u0631\u064b\u0627 \u0644\u0644\u0625\u064a\u062c\u0627\u0631.<\/p>\n<p>\u062a\u062a\u0637\u0644\u0628 \u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0641\u062a\u0631\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0644\u0627 \u062a\u0642\u0644 \u0639\u0646 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u0642\u062f \u064a\u0633\u062a\u063a\u0631\u0642 \u0628\u064a\u0639 \u062d\u0635\u0635\u0643 \u0639\u062f\u0629 \u0623\u0634\u0647\u0631\u060c \u0646\u0638\u0631\u064b\u0627 \u0644\u0623\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u062a\u064f\u0639\u062f \u0623\u0635\u0644\u064b\u0627 \u063a\u064a\u0631 \u0633\u0627\u0626\u0644.<\/p>\n<p>\u062a\u0639\u062a\u0645\u062f \u0639\u0648\u0627\u0626\u062f\u0643 \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0639\u0644\u0649 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0630\u0648 \u0647\u064a\u0643\u0644 \u062f\u064a\u0646 \u0623\u0648 \u062d\u0642\u0648\u0642 \u0645\u0644\u0643\u064a\u0629. \u0648\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u0647\u064a\u0643\u0644\u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u062a\u0648\u0642\u0639 \u0639\u0648\u0627\u0626\u062f \u0633\u0646\u0648\u064a\u0629 \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 6% \u0648 12%.<\/p>\n<h4>\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u062f\u064a\u0648\u0646<\/h4>\n<p>\u062a\u064f\u0639\u062f \u0627\u0644\u0635\u0641\u0642\u0627\u062a \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u062f\u064a\u0648\u0646 \u0623\u0643\u062b\u0631 \u0639\u0631\u0636\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u062f\u062e\u0644 \u0634\u0647\u0631\u064a \u0648\u0623\u0642\u0644 \u062e\u0637\u0648\u0631\u0629. \u062a\u062a\u0631\u0627\u0648\u062d \u0627\u0644\u0639\u0627\u0626\u062f\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0644\u0645\u0639\u0638\u0645 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u062f\u064a\u0648\u0646 (REITs) \u0628\u064a\u0646 6% \u0648 8%\u060c \u0648\u062a\u062f\u0641\u0639 \u0623\u0631\u0628\u0627\u062d\u064b\u0627 \u0631\u0628\u0639 \u0633\u0646\u0648\u064a\u0629. \u064a\u062c\u0646\u064a \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u062d\u0635\u064a\u0644 \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0645\u0646 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\u064a\u0633\u0627\u0639\u062f\u0643 \u062a\u0648\u0638\u064a\u0641 \u0648\u0643\u064a\u0644 \u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0627\u0644\u0639\u062b\u0648\u0631 \u0639\u0644\u0649 \u0639\u0642\u0627\u0631\u0627\u062a \u0644\u0644\u0625\u064a\u062c\u0627\u0631 \u0641\u064a \u0645\u0646\u0637\u0642\u062a\u0643. \u0648\u0625\u0630\u0627 \u0644\u0645 \u064a\u0643\u0646 \u0633\u0648\u0642\u0643 \u0627\u0644\u0645\u062d\u0644\u064a \u0645\u0631\u0628\u062d\u064b\u0627\u060c \u0641\u0625\u0646 \u062e\u064a\u0627\u0631\u064b\u0627 \u0622\u062e\u0631 \u0647\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 Roofstock. \u0647\u0630\u0627 \u0627\u0644\u0645\u0648\u0642\u0639 \u064a\u0639\u0631\u0636 \u0639\u0642\u0627\u0631\u0627\u062a \u0644\u0644\u0628\u064a\u0639 \u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629.<\/p>\n<p>\u064a\u0637\u0644\u0642 \u0645\u0633\u062a\u062b\u0645\u0631\u0648 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0639\u0644\u0649 \u0635\u0627\u0641\u064a \u0631\u0628\u062d\u0643 \u0627\u0633\u0645 &#8220;\u0645\u0639\u062f\u0644 \u0627\u0644\u0631\u0633\u0645\u0644\u0629&#8221; (cap rate). \u062a\u062a\u0631\u0627\u0648\u062d \u0645\u0639\u0638\u0645 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u0631\u0633\u0645\u0644\u0629 \u0628\u064a\u0646 4% \u064810%\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0645\u062b\u0644 \u0639\u0627\u0626\u062f \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0643 \u0627\u0644\u0633\u0646\u0648\u064a \u0628\u0639\u062f \u062e\u0635\u0645 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641. \u0627\u0643\u062a\u0634\u0641 \u0637\u0631\u0642\u064b\u0627 \u0623\u062e\u0631\u0649 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0648\u062a\u062d\u0642\u064a\u0642 \u062f\u062e\u0644 \u0645\u062a\u0643\u0631\u0631.<\/p>\n<p>Roofstock<\/p>\n<ul>\n<li>\u0637\u0631\u064a\u0642\u0629 \u0633\u0647\u0644\u0629 \u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629<\/li>\n<li>\u0645\u062a\u0627\u062d \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u064a\u0646<\/li>\n<li>\u062a\u062a\u0648\u0641\u0631 \u0625\u062d\u0627\u0644\u0627\u062a \u0644\u0645\u062f\u064a\u0631\u064a \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a<\/li>\n<\/ul>\n<h3>8. \u0643\u0646 \u0645\u0636\u064a\u0641\u064b\u0627 \u0639\u0644\u0649 Airbnb<\/h3>\n<p><strong>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641: <\/strong>8% \u0625\u0644\u0649 12%<\/p>\n<p>\u0644\u0627 \u064a\u064f\u0639\u062f \u0648\u062c\u0648\u062f \u0645\u0633\u062a\u0623\u062c\u0631\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644 \u062e\u064a\u0627\u0631\u064b\u0627 \u062c\u0630\u0627\u0628\u064b\u0627 \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646. \u0642\u062f \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0643\u0633\u0628 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 <a class=\"vfocused-internal-link\" title=\"The Motley Fool vs. Morningstar: \u0645\u0642\u0627\u0631\u0646\u0629 \u0634\u0627\u0645\u0644\u0629 \u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\" href=\"https:\/\/www.dztecs.com\/money\/motley-fool-vs-morningstar\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0627\u0644\u0645\u0627\u0644<\/a> \u0623\u0648 \u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u062a\u0648\u062a\u0631 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0623\u0646 \u062a\u0635\u0628\u062d \u0645\u0636\u064a\u0641\u064b\u0627 \u0639\u0644\u0649 Airbnb. \u0623\u0635\u0628\u062d\u062a \u0645\u0646\u0627\u0632\u0644 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0644\u0642\u0636\u0627\u0621 \u0627\u0644\u0639\u0637\u0644\u0627\u062a \u062a\u062d\u0638\u0649 \u0628\u0634\u0639\u0628\u064a\u0629 \u0645\u062a\u0632\u0627\u064a\u062f\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0641\u0646\u0627\u062f\u0642 \u0644\u0623\u0646\u0647\u0627 \u062a\u0648\u0641\u0631 \u062e\u0635\u0648\u0635\u064a\u0629 \u0623\u0643\u0628\u0631. \u064a\u0645\u0643\u0646\u0643 \u0643\u0633\u0628 \u0623\u0645\u0648\u0627\u0644 \u0625\u0636\u0627\u0641\u064a\u0629 \u0639\u0646 \u0637\u0631\u064a\u0642 \u062a\u0623\u062c\u064a\u0631 \u063a\u0631\u0641\u0629 \u0625\u0636\u0627\u0641\u064a\u0629 \u0623\u0648 \u0645\u0646\u0632\u0644 \u062b\u0627\u0646\u064d.<\/p>\n<p>\u064a\u062a\u064a\u062d \u0644\u0643 \u0625\u062f\u062e\u0627\u0644 \u062a\u0641\u0627\u0635\u064a\u0644 \u0639\u0642\u0627\u0631\u0643 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639 Airbnb \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u062a\u0642\u062f\u064a\u0631 \u062f\u062e\u0644\u0643 \u0627\u0644\u0634\u0647\u0631\u064a. \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u062a\u0642\u062f\u0631 Airbnb \u0623\u0646 \u0627\u0644\u0645\u0646\u0632\u0644 \u0628\u0623\u0643\u0645\u0644\u0647 \u064a\u0645\u0643\u0646 \u0623\u0646 <strong>\u064a\u0643\u0633\u0628 \u0645\u0627 \u064a\u0635\u0644 \u0625\u0644\u0649 2,000 \u062f\u0648\u0644\u0627\u0631 \u0634\u0647\u0631\u064a\u064b\u0627 \u0641\u064a \u0623\u0648\u0631\u0644\u0627\u0646\u062f\u0648\u060c \u0641\u0644\u0648\u0631\u064a\u062f\u0627<\/strong>.<\/p>\n<p>\u0639\u0644\u0649 \u0639\u0643\u0633 \u0627\u0645\u062a\u0644\u0627\u0643 \u0639\u0642\u0627\u0631 \u0644\u0644\u0625\u064a\u062c\u0627\u0631 \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644\u060c \u064a\u0645\u0643\u0646\u0643 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u064a\u0627\u0645 \u0627\u0644\u062a\u064a \u062a\u0643\u0648\u0646 \u0641\u064a\u0647\u0627 \u0645\u062a\u0627\u062d\u064b\u0627 \u0644\u0627\u0633\u062a\u0642\u0628\u0627\u0644 \u0627\u0644\u0636\u064a\u0648\u0641. \u0647\u0630\u0647 \u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0641\u064a \u0627\u0644\u062c\u062f\u0648\u0644\u0629 \u0642\u062f \u062a\u0643\u0648\u0646 \u0645\u062c\u062f\u064a\u0629 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0628\u0625\u0645\u0643\u0627\u0646\u0643 \u062a\u062d\u0642\u064a\u0642 \u0625\u064a\u062c\u0627\u0631 \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u0645\u0635\u0637\u0627\u0641\u064a\u0646 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631\u064a\u0646 \u0627\u0644\u0639\u0627\u062f\u064a\u064a\u0646.<\/p>\n<p>Airbnb<\/p>\n<ul>\n<li>\u0627\u0643\u0633\u0628 \u0627\u0644\u0645\u0627\u0644 \u0645\u0646 \u062a\u0623\u062c\u064a\u0631 \u0645\u0633\u0627\u062d\u062a\u0643<\/li>\n<li>\u0627\u0633\u062a\u0623\u062c\u0631 \u063a\u0631\u0641\u0629 \u0646\u0648\u0645\u0643 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0623\u0648 \u0645\u0646\u0632\u0644\u0643 \u0628\u0627\u0644\u0643\u0627\u0645\u0644<\/li>\n<li>\u0634\u0631\u0643\u0629 \u0645\u0639\u0631\u0648\u0641\u0629 \u0648\u0645\u0648\u062b\u0648\u0642\u0629<\/li>\n<\/ul>\n<h3>9. \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 (P2P)<\/h3>\n<p><strong>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641: <\/strong>3% \u0625\u0644\u0649 8%<\/p>\n<p>\u064a\u062a\u064a\u062d \u0644\u0643 \u0625\u0642\u0631\u0627\u0636 \u0627\u0644\u0645\u0627\u0644 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0644\u0622\u062e\u0631\u064a\u0646 \u0639\u0628\u0631 \u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 \u0643\u0633\u0628 <a href=\"https:\/\/www.dztecs.com\/money\/professor-passive-income-calculator\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u062f\u062e\u0644 \u0634\u0647\u0631\u064a \u0633\u0644\u0628\u064a<\/a>. \u064a\u0645\u0643\u0646\u0643 \u0634\u0631\u0627\u0621 \u0633\u0646\u062f\u0627\u062a \u0642\u0631\u0648\u0636 \u0634\u062e\u0635\u064a\u0629 \u0644\u0645\u062f\u0629 \u062b\u0644\u0627\u062b \u0623\u0648 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a\u060c \u062d\u064a\u062b \u064a\u0633\u062f\u062f \u0627\u0644\u0645\u0642\u062a\u0631\u0636 \u062f\u0641\u0639\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0634\u0647\u0631\u064a\u064b\u0627.<\/p>\n<p>\u062a\u062a\u064a\u062d \u0644\u0643 \u0645\u0646\u0635\u0629 <a href=\"https:\/\/www.prosper.com\/invest\" target=\"_blank\" rel=\"noopener noreferrer\">Prosper<\/a> \u0634\u0631\u0627\u0621 \u0633\u0646\u062f\u0627\u062a \u0628\u0642\u064a\u0645\u0629 25 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0641\u064a \u0627\u0644\u0642\u0631\u0648\u0636 \u0628\u064a\u0646 \u0627\u0644\u0646\u0638\u0631\u0627\u0621. \u0648\u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0645\u0646\u0635\u0629\u060c \u064a\u0628\u0644\u063a \u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a 5.4% \u0628\u0639\u062f \u062e\u0635\u0645 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f. \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0642\u0631\u0648\u0636 \u0630\u0627\u062a \u062a\u0635\u0646\u064a\u0641\u0627\u062a \u0645\u062e\u0627\u0637\u0631 \u0623\u0639\u0644\u0649 \u0623\u0648 \u0623\u0642\u0644\u060c \u062d\u064a\u062b \u062a\u062d\u0645\u0644 \u062a\u0635\u0646\u064a\u0641\u0627\u062a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0623\u0639\u0644\u0649 \u0639\u0648\u0627\u0626\u062f \u0645\u062d\u062a\u0645\u0644\u0629 \u0623\u0639\u0644\u0649.<\/p>\n<p>\u062a\u062e\u0633\u0631 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u062a\u0628\u0642\u064a \u0645\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0643 \u0625\u0630\u0627 \u062a\u062e\u0644\u0641 \u0627\u0644\u0645\u0642\u062a\u0631\u0636 \u0639\u0646 \u0633\u062f\u0627\u062f \u0642\u0631\u0636\u0647. \u062c\u0645\u064a\u0639 \u0627\u0644\u0642\u0631\u0648\u0636 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 \u063a\u064a\u0631 \u0645\u0636\u0645\u0648\u0646\u0629 \u0648\u0644\u0627 \u062a\u062f\u0639\u0645\u0647\u0627 \u0636\u0645\u0627\u0646\u0627\u062a.<\/p>\n<h3>10. \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 (\u0627\u0644\u0625\u062a\u0627\u0648\u0627\u062a)<\/h3>\n<p><strong>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641: <\/strong>5% \u0625\u0644\u0649 20%<\/p>\n<p>\u0627\u0645\u062a\u0644\u0627\u0643 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 (\u0627\u0644\u0625\u062a\u0627\u0648\u0627\u062a) \u0647\u0648 \u0637\u0631\u064a\u0642\u0629 \u0641\u0631\u064a\u062f\u0629 \u0623\u062e\u0631\u0649 \u0644\u062a\u0648\u0644\u064a\u062f \u062f\u062e\u0644 \u0634\u0647\u0631\u064a. \u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u0634\u0631\u0627\u0621 \u062d\u0642\u0648\u0642 \u0627\u0644\u0646\u0634\u0631 \u0644\u0644\u0645\u0648\u0633\u064a\u0642\u0649 \u0648\u0627\u0644\u0623\u0641\u0644\u0627\u0645 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0648\u0627\u0644\u0642\u062f\u064a\u0645\u0629. \u064a\u0645\u0643\u0646\u0643 \u0646\u0634\u0631 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0630\u0627\u062a\u064a\u064b\u0627 \u0623\u0648 \u0634\u0631\u0627\u0621 \u0627\u0644\u062d\u0642\u0648\u0642 \u0645\u0646 \u0641\u0646\u0627\u0646 \u0622\u062e\u0631 \u0623\u0648 \u0645\u0627\u0644\u0643 \u062d\u0642\u0648\u0642 \u0645\u0644\u0643\u064a\u0629.<\/p>\n<p><strong>\u062a\u0634\u0645\u0644 \u0628\u0639\u0636 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646\u0643 \u0634\u0631\u0627\u0624\u0647\u0627:<\/strong><\/p>\n<ul>\n<li>\u0623\u063a\u0627\u0646\u064d \u0623\u0648 \u0623\u0644\u0628\u0648\u0645\u0627\u062a \u0645\u0648\u0633\u064a\u0642\u064a\u0629<\/li>\n<li>\u0623\u0641\u0644\u0627\u0645 \u0648\u0645\u0633\u0644\u0633\u0644\u0627\u062a \u062a\u0644\u0641\u0632\u064a\u0648\u0646\u064a\u0629<\/li>\n<li>\u0643\u062a\u0628<\/li>\n<li>\u0645\u0648\u0627\u062f \u062a\u0639\u0644\u064a\u0645\u064a\u0629<\/li>\n<li>\u0639\u0644\u0627\u0645\u0627\u062a \u062a\u062c\u0627\u0631\u064a\u0629<\/li>\n<\/ul>\n<p>\u062a\u0642\u062f\u0645 \u0645\u0646\u0635\u0629 <a href=\"https:\/\/www.royaltyexchange.com\/buy-royalty\" target=\"_blank\" rel=\"noopener noreferrer\">Royalty Exchange<\/a> \u0642\u0648\u0627\u0626\u0645 \u0645\u0632\u0627\u062f\u0627\u062a \u0644\u0635\u0641\u0642\u0627\u062a \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629. \u064a\u0645\u0643\u0646\u0643 \u0643\u0633\u0628 \u062f\u062e\u0644 \u0645\u0646 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0641\u064a \u0643\u0644 \u0645\u0631\u0629 \u064a\u0633\u062a\u062e\u062f\u0645 \u0641\u064a\u0647\u0627 \u0634\u062e\u0635 \u0645\u0627 \u0645\u0646\u062a\u062c\u0643 \u0623\u0648 \u062e\u062f\u0645\u062a\u0643. \u064a\u0645\u0643\u0646 \u0644\u0623\u064a \u0634\u062e\u0635 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629\u060c \u0644\u0643\u0646 \u0627\u0644\u0645\u0632\u0627\u062f\u0627\u062a \u0642\u062f \u062a\u0643\u0648\u0646 \u0645\u0643\u0644\u0641\u0629. \u0642\u062f \u062a\u062a\u0637\u0644\u0628 \u0627\u0644\u0645\u0632\u0627\u062f\u0627\u062a \u0645\u0646\u0643 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 100,000 <a class=\"vfocused-internal-link\" title=\"\u0643\u064a\u0641 \u062a\u0635\u0628\u062d \u0642\u0637\u0628 \u0639\u0642\u0627\u0631\u0627\u062a \u0646\u0627\u062c\u062d\u064b\u0627: \u0627\u0633\u062a\u062b\u0645\u0631 \u0628\u0640 1000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0648 \u0623\u0642\u0644\" href=\"https:\/\/www.dztecs.com\/money\/real-estate-mogul\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u062f\u0648\u0644\u0627\u0631 \u0623\u0648<\/a> \u0623\u0643\u062b\u0631 \u0644\u0634\u0631\u0627\u0621 \u062d\u0642\u0648\u0642 \u0627\u0644\u0637\u0628\u0639 \u0648\u0627\u0644\u0646\u0634\u0631 \u0644\u0623\u063a\u0627\u0646\u064d \u0648\u0623\u0641\u0644\u0627\u0645 \u0645\u0639\u0631\u0648\u0641\u0629.<\/p>\n<p>\u0642\u0628\u0644 \u0627\u0644\u0645\u0632\u0627\u064a\u062f\u0629\u060c \u0642\u0627\u0631\u0646 \u062f\u062e\u0644 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0623\u062e\u064a\u0631 \u0628\u0633\u0639\u0631 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u062d\u062a\u0645\u0644. \u062b\u0645 \u062d\u062f\u062f \u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u062a\u064a \u0623\u0646\u062a \u0639\u0644\u0649 \u0627\u0633\u062a\u0639\u062f\u0627\u062f \u0644\u0627\u0646\u062a\u0638\u0627\u0631\u0647\u0627 \u0644\u062a\u0633\u062f\u064a\u062f \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0623\u0635\u0644\u064a \u0648\u062a\u062d\u0642\u064a\u0642 \u0631\u0628\u062d.<\/p>\n<p>\u0623\u062d\u062f \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0643\u0628\u064a\u0631\u0629 \u0647\u0648 \u0623\u0646 \u064a\u0646\u062e\u0641\u0636 \u062f\u062e\u0644 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0628\u0634\u0643\u0644 \u062d\u0627\u062f. \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0625\u0630\u0627 \u0644\u0645 \u064a\u0639\u062f \u062a\u0637\u0628\u064a\u0642 \u0628\u062b \u064a\u0642\u062f\u0645 \u0623\u063a\u0646\u064a\u0629 \u0623\u0648 \u0641\u064a\u0644\u0645\u064b\u0627 \u0645\u0639\u064a\u0646\u064b\u0627 \u0641\u064a \u0641\u0647\u0631\u0633\u0647.<\/p>\n<h2 id=\"section-2\">\u0644\u0645\u0627\u0630\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0633\u0644\u0628\u064a \u0627\u0644\u0634\u0647\u0631\u064a\u061f<\/h2>\n<p>\u0643\u0645\u0627 \u0647\u0648 \u0648\u0627\u0636\u062d\u060c \u064a\u0645\u0643\u0646 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0633\u0644\u0628\u064a \u0634\u0647\u0631\u064a\u064b\u0627 \u0639\u0628\u0631 \u0645\u0633\u0627\u0631\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629. \u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0623\u0628\u0631\u0632 \u0627\u0644\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u062a\u064a \u062a\u062c\u0639\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0623\u062d\u062f \u0647\u0630\u0647 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0642\u0631\u0627\u0631\u064b\u0627 \u062d\u0643\u064a\u0645\u064b\u0627:<\/p>\n<h3>\u064a\u0633\u0647\u0644 \u062a\u0633\u062f\u064a\u062f \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u0634\u0647\u0631\u064a\u0629<\/h3>\n<p>\u0627\u0644\u062f\u0627\u0641\u0639 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0648\u0631\u0627\u0621 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u064a\u0648\u0641\u0631 \u0639\u0627\u0626\u062f\u064b\u0627 \u0634\u0647\u0631\u064a\u064b\u0627 \u0647\u0648 \u0623\u0646 \u063a\u0627\u0644\u0628\u064a\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0646\u0627 \u0648\u0641\u0648\u0627\u062a\u064a\u0631\u0646\u0627 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u062a\u064f\u0633\u062f\u062f \u0634\u0647\u0631\u064a\u064b\u0627. \u0628\u0648\u062c\u0648\u062f \u062f\u062e\u0644 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0634\u0647\u0631\u064a\u060c \u064a\u0635\u0628\u062d \u0628\u0625\u0645\u0643\u0627\u0646\u0643 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643 \u0648\u0633\u062f\u0627\u062f \u0641\u0648\u0627\u062a\u064a\u0631\u0643 \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u0641\u064a \u0645\u0648\u0627\u0639\u064a\u062f\u0647\u0627 \u062f\u0648\u0646 \u0639\u0646\u0627\u0621.<\/p>\n<h3>\u062d\u0631\u064a\u0629 \u0627\u0644\u0639\u064a\u0634 \u0641\u064a \u0623\u064a \u0645\u0643\u0627\u0646<\/h3>\n<p>\u0645\u0639 \u0648\u062c\u0648\u062f \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u062a\u062f\u0631 \u062f\u062e\u0644\u064b\u0627 \u0633\u0644\u0628\u064a\u064b\u0627\u060c \u0644\u0646 \u062a\u0643\u0648\u0646 \u0645\u0642\u064a\u062f\u064b\u0627 \u0628\u0645\u0648\u0642\u0639 \u062c\u063a\u0631\u0627\u0641\u064a \u0645\u062d\u062f\u062f. \u0628\u0644 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0639\u064a\u0634 \u0648\u0627\u0644\u062a\u0646\u0642\u0644 \u0628\u062d\u0631\u064a\u0629 \u0641\u064a \u0623\u064a \u0628\u0642\u0639\u0629 \u0645\u0646 \u0627\u0644\u0639\u0627\u0644\u0645. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u062c\u062f\u064b\u0627 \u0627\u0644\u0623\u062e\u0630 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0627\u0644\u062a\u062f\u0627\u0639\u064a\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0644\u0644\u0625\u0642\u0627\u0645\u0629 \u0641\u064a \u0628\u0644\u062f\u0627\u0646 \u0645\u062e\u062a\u0644\u0641\u0629\u060c \u062d\u064a\u062b \u062a\u0641\u0631\u0636 \u0628\u0639\u0636 \u0627\u0644\u062f\u0648\u0644 \u0636\u0631\u0627\u0626\u0628 \u0623\u0639\u0644\u0649 \u0645\u0646 \u063a\u064a\u0631\u0647\u0627.<\/p>\n<h2 id=\"section-3\">\u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u064a\u0646 \u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0634\u0647\u0631\u064a\u0629<\/h2>\n<p>\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u062d\u062c\u0645 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0634\u0647\u0631\u064a \u0627\u0644\u0630\u064a \u0642\u062f \u062a\u062d\u0642\u0642\u0647 \u0639\u0646\u062f \u0627\u0633\u062a\u062b\u0645\u0627\u0631 100,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0641\u064a \u0643\u0644 \u0645\u0646 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n<figure>\n<table>\n<tbody>\n<tr>\n<td><strong>\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/strong><\/td>\n<td><strong>\u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0642\u0635\u0648\u0649<\/strong><\/td>\n<td><strong>\u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0634\u0647\u0631\u064a<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>\u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/strong><\/td>\n<td>5.0%<\/td>\n<td>$416.67<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639<\/strong><\/td>\n<td>3.50%<\/td>\n<td>$291.67<\/td>\n<\/tr>\n<tr>\n<td><strong>\u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631<\/strong><\/td>\n<td>5.00%<\/td>\n<td>$416.67<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0635\u0646\u062f\u0648\u0642 \u0645\u0624\u0634\u0631 \u0627\u0644\u0633\u0646\u062f\u0627\u062a<\/strong><\/td>\n<td>3.3%<\/td>\n<td>$275<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629<\/strong><\/td>\n<td>5.0%<\/td>\n<td>$416.67<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0645\u0648\u0644\u0629 \u062c\u0645\u0627\u0639\u064a\u064b\u0627<\/strong><\/td>\n<td>12%<\/td>\n<td>$1,000.00<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0624\u062c\u0631\u0629<\/strong><\/td>\n<td>10%<\/td>\n<td>$833.33<\/td>\n<\/tr>\n<tr>\n<td><strong>Airbnb<\/strong><\/td>\n<td>12%<\/td>\n<td>$1,000.00<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631<\/strong><\/td>\n<td>8.0%<\/td>\n<td>$666.67<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0627\u0644\u0625\u062a\u0627\u0648\u0627\u062a<\/strong><\/td>\n<td>20%<\/td>\n<td>$1666.67<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<h2 id=\"section-4\">\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u062d\u0648\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0634\u0647\u0631\u064a<\/h2>\n<p>\u0642\u0628\u0644 \u0627\u0644\u0625\u0642\u062f\u0627\u0645 \u0639\u0644\u0649 \u0623\u064a \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0647\u062f\u0641 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062f\u062e\u0644 \u0634\u0647\u0631\u064a\u060c \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u0641\u0647\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629. \u0633\u062a\u0633\u0627\u0639\u062f\u0643 \u0647\u0630\u0647 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 <a class=\"vfocused-internal-link\" title=\"\u0623\u0641\u0636\u0644 10 \u062d\u0627\u0633\u0628\u0627\u062a \u062a\u0642\u0627\u0639\u062f: \u062f\u0644\u064a\u0644\u0643 \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u062a\u062e\u0637\u064a\u0637 \u0645\u0627\u0644\u064a \u0622\u0645\u0646 (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u062e\u064a\u0627\u0631\u0627\u062a \u0645\u062c\u0627\u0646\u064a\u0629)\" href=\"https:\/\/www.dztecs.com\/money\/retirement-calculators\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0641\u064a \u0630\u0644\u0643<\/a>.<\/p>\n<p><strong>\u0645\u0627 \u0647\u0648 \u0623\u0641\u0636\u0644 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0644\u062a\u062d\u0642\u064a\u0642 \u062f\u062e\u0644 \u0634\u0647\u0631\u064a\u061f<\/strong><\/p>\n<p>\u062a\u062e\u062a\u0644\u0641 \u0623\u0641\u0636\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u0643\u0633\u0628 \u062f\u062e\u0644 \u0634\u0647\u0631\u064a \u0645\u0646 \u0645\u0633\u062a\u062b\u0645\u0631 \u0644\u0622\u062e\u0631. \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062a\u062d\u062f\u064a\u062f \u0645\u062f\u0649 \u062a\u062d\u0645\u0644\u0643 \u0644\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629\u060c \u0648\u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643.<\/p>\n<p>\u062a\u064f\u0639\u062f \u0627\u0644\u0633\u0646\u062f\u0627\u062a\u060c \u0648\u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u062a\u064a \u062a\u062f\u0641\u0639 \u0623\u0631\u0628\u0627\u062d\u064b\u0627\u060c \u0648\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0646\u0642\u062f \u0630\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u0631\u062a\u0641\u0639 \u062e\u064a\u0627\u0631\u0627\u062a \u0634\u0627\u0626\u0639\u0629 \u0646\u0638\u0631\u064b\u0627 \u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629 \u0646\u0633\u0628\u064a\u064b\u0627 \u0648\u0645\u062e\u0627\u0637\u0631\u0647\u0627 \u0627\u0644\u0645\u062d\u062f\u0648\u062f\u0629.<\/p>\n<p>\u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u0639\u0642\u0627\u0631 \u062e\u064a\u0627\u0631\u064b\u0627 \u0623\u0641\u0636\u0644 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u0644\u062f\u064a\u0647\u0645 \u0623\u0641\u0642 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644 (\u0639\u062f\u0629 \u0633\u0646\u0648\u0627\u062a) \u0648\u0631\u0635\u064a\u062f \u0646\u0642\u062f\u064a \u0623\u0639\u0644\u0649. \u0643\u0645\u0627 \u0623\u0646\u0647 \u0623\u0642\u0644 \u062a\u0642\u0644\u0628\u064b\u0627 \u0645\u0646 \u0627\u0644\u0623\u0633\u0647\u0645 \u0648\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0634\u0647\u062f \u0623\u0633\u0639\u0627\u0631\u0647\u0627 \u062a\u0630\u0628\u0630\u0628\u064b\u0627 \u0645\u0633\u062a\u0645\u0631\u064b\u0627.<\/p>\n<p><strong>\u0647\u0644 \u064a\u0645\u0643\u0646\u0646\u064a \u0643\u0633\u0628 \u062f\u062e\u0644 \u0634\u0647\u0631\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u061f<\/strong><\/p>\n<p>\u0646\u0639\u0645\u060c \u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u062a\u062d\u0642\u064a\u0642 \u062f\u062e\u0644 \u0634\u0647\u0631\u064a \u0633\u0644\u0628\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0623\u0633\u0647\u0645\u060c<br \/>\n\u0627\u0644\u0633\u0646\u062f\u0627\u062a\u060c \u0648\u063a\u064a\u0631\u0647\u0627.<\/p>\n<p>\u062a\u062f\u0641\u0639 \u0628\u0639\u0636 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0623\u0631\u0628\u0627\u062d\u064b\u0627 \u0634\u0647\u0631\u064a\u0629 \u0628\u0634\u0643\u0644 \u0637\u0628\u064a\u0639\u064a\u060c \u0628\u064a\u0646\u0645\u0627 \u0642\u062f \u062a\u062f\u0641\u0639 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0623\u062e\u0631\u0649 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0631\u0628\u0639 \u0633\u0646\u0648\u064a \u0623\u0648 \u0633\u0646\u0648\u064a.<\/p>\n<p><strong>\u0645\u0627 \u0647\u0648 \u0623\u0643\u062b\u0631 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u0645\u0627\u0646\u064b\u0627\u061f<\/strong><\/p>\n<p>\u062a\u062d\u0645\u0644 \u062c\u0645\u064a\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0642\u062f\u0631\u064b\u0627 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0644\u0643\u0646 \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 \u0623\u0648 \u062d\u0633\u0627\u0628\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0645\u0627\u0644 \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u0623\u0642\u0644 \u062e\u0637\u0648\u0631\u0629.<\/p>\n<p>\u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u062a\u062a\u0645\u062a\u0639 \u0647\u0630\u0647 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062f\u0631 \u0641\u0627\u0626\u062f\u0629 \u0628\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 (FDIC) \u064a\u0635\u0644 \u0625\u0644\u0649 250,000 \u062f\u0648\u0644\u0627\u0631 \u0644\u0643\u0644 \u062d\u0633\u0627\u0628\u060c \u0648\u062a\u0642\u062f\u0645 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0627\u062a\u062d\u0627\u062f\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u0645\u0627\u062b\u0644\u0629 \u062a\u063a\u0637\u064a\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 250,000 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u0627\u062a\u062d\u0627\u062f\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 (NCUA).<\/p>\n<p>\u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u064a\u0623\u062a\u064a \u0627\u0644\u0623\u0645\u0627\u0646 \u0628\u062b\u0645\u0646. \u0641\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062f\u0631 \u0641\u0627\u0626\u062f\u0629 \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0643\u0648\u0646 \u0630\u0627\u062a \u0623\u062f\u0646\u0649 \u0623\u0633\u0639\u0627\u0631 \u0641\u0627\u0626\u062f\u0629\u060c \u0644\u0630\u0627 \u0644\u0646 \u064a\u0643\u0648\u0646 \u062f\u062e\u0644\u0643 \u0627\u0644\u0634\u0647\u0631\u064a \u0645\u0631\u062a\u0641\u0639\u064b\u0627 \u0628\u0646\u0641\u0633 \u0627\u0644\u0642\u062f\u0631.<\/p>\n<p><strong>\u0645\u0627 \u0647\u064a \u0623\u0643\u062b\u0631 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u062e\u0637\u0648\u0631\u0629\u061f<\/strong><\/p>\n<p>\u062a\u0634\u0645\u0644 \u0628\u0639\u0636 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0623\u0643\u062b\u0631 \u062e\u0637\u0648\u0631\u0629 \u0627\u0644\u062a\u064a \u062a\u062f\u0631 \u062f\u062e\u0644\u064b\u0627: \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0648\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629\u060c \u0648\u0627\u0644\u0642\u0631\u0648\u0636 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 (Peer-to-peer loans).<\/p>\n<p>\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u0642\u0631\u0648\u0636 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 \u0647\u064a \u0627\u0644\u0623\u0643\u062b\u0631 \u062e\u0637\u0648\u0631\u0629 \u0644\u0623\u0646\u0643 \u062a\u0642\u0631\u0636 \u0627\u0644\u0645\u0627\u0644 \u0644\u0645\u0642\u062a\u0631\u0636 \u0641\u0631\u062f\u064a \u0628\u0642\u0631\u0636 \u0634\u062e\u0635\u064a \u063a\u064a\u0631 \u0645\u0636\u0645\u0648\u0646. \u0648\u0644\u0627 \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0642\u0631\u0636 \u062a\u062d\u0635\u064a\u0644 \u0636\u0645\u0627\u0646\u0627\u062a \u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u062a\u0628\u0642\u064a \u0645\u0646 \u0627\u0644\u0642\u0631\u0636.<\/p>\n<p>\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0623\u0643\u062b\u0631 \u062e\u0637\u0648\u0631\u0629 \u0645\u0646 \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649 \u0623\u0648 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629\u060c \u062d\u064a\u062b \u062a\u0645\u064a\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0625\u0644\u0649 \u0627\u0645\u062a\u0644\u0627\u0643 \u0627\u062d\u062a\u064a\u0627\u0637\u064a\u0627\u062a \u0646\u0642\u062f\u064a\u0629 \u0623\u0642\u0644 \u0648\u062a\u0635\u0646\u064a\u0641\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0623\u062f\u0646\u0649.<\/p>\n<h2 id=\"section-5\">\u0645\u0644\u062e\u0635<\/h2>\n<p>\u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0647\u062f\u0641 \u0643\u0633\u0628 \u062f\u062e\u0644 \u0634\u0647\u0631\u064a \u0633\u0647\u0644\u064b\u0627 \u0646\u0633\u0628\u064a\u064b\u0627. \u0648\u0642\u062f \u064a\u062a\u0637\u0644\u0628 \u0627\u0644\u0623\u0645\u0631 \u0645\u0628\u0644\u063a\u064b\u0627 \u0635\u063a\u064a\u0631\u064b\u0627 \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0644\u0644\u0628\u062f\u0621\u060c \u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u0646\u0648\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631. \u0644\u0627 \u062a\u0646\u0633\u064e \u0625\u062c\u0631\u0627\u0621 \u0628\u062d\u062b\u0643 \u0627\u0644\u062e\u0627\u0635 \u0642\u0628\u0644 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