{"id":2220,"date":"2024-05-15T15:55:39","date_gmt":"2024-05-15T15:55:39","guid":{"rendered":"https:\/\/www.dztecs.com\/money\/?p=2220"},"modified":"2025-06-13T09:08:41","modified_gmt":"2025-06-13T06:08:41","slug":"investment-strategy","status":"publish","type":"post","link":"https:\/\/www.dztecs.com\/money\/investment-strategy\/","title":{"rendered":"\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631: \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0642\u0635\u064a\u0631 \u0648\u0637\u0648\u064a\u0644\u00a0\u0627\u0644\u0623\u062c\u0644","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\r\n<p>\u0645\u0646 \u0628\u0639\u0636 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u064b\u0627 \u0627\u0644\u062a\u064a \u0623\u062a\u0644\u0642\u0627\u0647\u0627 \u0645\u0646 \u0627\u0644\u0642\u0631\u064e\u0651\u0627\u0621 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\u0633\u0644\u0628\u064a\u0629\u060c \u0641\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0642\u064a\u0645\u0629 \u0648\u062a\u0631\u0643 \u0627\u0644\u0628\u062d\u062b \u0644\u0644\u0645\u064f\u062d\u062a\u0631\u0641\u064a\u0646.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">7. \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u062f\u062e\u0644<\/h3>\r\n\r\n\r\n\r\n<p>\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u062f\u062e\u0644 \u0647\u0648 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0625\u0646\u062a\u0627\u062c \u062a\u062f\u0641\u0642 \u0645\u0646\u062a\u0638\u0645 \u0645\u0646 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0633\u0644\u0628\u064a \u0645\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643. \u0648\u064a\u064f\u0645\u0643\u0646 \u0623\u0646 \u064a\u0623\u062a\u064a \u0630\u0644\u0643 \u0641\u064a \u0639\u062f\u0629 \u0623\u0634\u0643\u0627\u0644\u060c \u0645\u0646 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0625\u0644\u0649 \u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u062f\u0627\u062a.<\/p>\r\n\r\n\r\n\r\n<p>\u064a\u064f\u0641\u0643\u0631 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0641\u064a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0639\u0646\u062f \u0645\u0646\u0627\u0642\u0634\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u062f\u062e\u0644\u060c \u0648\u0644\u0643\u0646 \u064a\u064f\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0644\u0643\u0633\u0628 \u062f\u062e\u0644 \u0625\u0636\u0627\u0641\u064a \u0641\u064a \u0623\u064a \u0639\u0645\u0631.<\/p>\r\n\r\n\r\n\r\n<p>\u064a\u0645\u0643\u0646 \u0644\u0647\u0630\u0647 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0623\u064a\u0636\u064b\u0627 \u0623\u0646 \u062a\u064f\u0648\u0644\u062f \u0645\u0643\u0627\u0633\u0628 \u0631\u0623\u0633\u0645\u0627\u0644\u064a\u0629 \u0625\u0630\u0627 \u0632\u0627\u062f\u062a \u0642\u064a\u0645\u062a\u0647\u0627\u060c \u0644\u0630\u0627 \u064a\u064f\u0645\u0643\u0646\u0643 \u0643\u0633\u0628 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0625\u0630\u0627 \u0642\u0645\u062a \u0628\u0628\u064a\u0639\u0647\u0627.<\/p>\r\n\r\n\r\n\r\n<p>\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0628\u0639\u0636 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u062a\u064a \u064a\u064f\u0645\u0643\u0646\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0644\u0643\u0633\u0628 \u0627\u0644\u062f\u062e\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631:<\/p>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\">\r\n<li>\u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0629 \u0644\u0644\u0623\u0631\u0628\u0627\u062d: \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u062a\u064a \u062a\u062f\u0641\u0639 \u0623\u0631\u0628\u0627\u062d\u064b\u0627 \u0646\u0642\u062f\u064a\u0629 \u0645\u0646\u062a\u0638\u0645\u0629 \u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0647\u0627.<\/li>\r\n\r\n\r\n\r\n<li>\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0628\u0648\u0631\u0635\u0629 \u0627\u0644\u0645\u064f\u062a\u062f\u0627\u0648\u0644\u0629 (ETFs) \u0627\u0644\u0645\u064f\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0627\u0644\u0623\u0631\u0628\u0627\u062d:\u0647\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u062a\u0628\u0627\u062f\u0644 \u0645\u062a\u062f\u0627\u0648\u0644 (ETFs) \u062a\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0641\u064a \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u062a\u064a \u062a\u062f\u0641\u0639 \u0623\u0631\u0628\u0627\u062d\u064b\u0627 \u0646\u0642\u062f\u064a\u0629 \u0645\u064f\u0646\u062a\u0638\u0645\u0629 \u0644\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646.<\/li>\r\n\r\n\r\n\r\n<li>\u0623\u0631\u0628\u0627\u062d \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a (REIT).<\/li>\r\n\r\n\r\n\r\n<li>\u062d\u0633\u0627\u0628\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0645\u0627\u0644 (MMAs).<\/li>\r\n\r\n\r\n\r\n<li>\u0627\u0644\u0633\u0646\u062f\u0627\u062a.<\/li>\r\n\r\n\r\n\r\n<li>\u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639 (CDs).<\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n<p>\u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0627\u0644\u0623\u0645\u0631 \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0641\u0625\u0646\u064e\u0651 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u062f\u062e\u0644 \u064a\u064f\u0634\u0643\u0644 \u0645\u062e\u0627\u0637\u0631\u0629 \u0623\u0642\u0644 \u0645\u0646 \u0628\u0639\u0636 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u061b \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0641\u0625\u0646 \u0627\u0644\u0633\u0648\u0642 \u064a\u062a\u0642\u0644\u0628 \u062f\u0627\u0626\u0645\u064b\u0627. \u0641\u0642\u0637 \u0636\u0639 \u0641\u064a \u0627\u0639\u062a\u0628\u0627\u0631\u0643 \u0623\u0646\u064e\u0651 \u0627\u0644\u062f\u062e\u0644 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u062e\u062a\u0644\u0641 \u0645\u0646 \u0648\u0642\u062a \u0644\u0622\u062e\u0631\u060c \u0648\u0623\u0646\u064e\u0651 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u063a\u064a\u0631 \u0645\u0636\u0645\u0648\u0646\u0629. \u0648\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u062b\u0627\u0628\u062a \u0645\u062b\u0644 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0648\u0634\u0647\u0627\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0644\u0647\u0627 \u0639\u0648\u0627\u0626\u062f \u0645\u064f\u0639\u062a\u062f\u0644\u0629.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0645\u0631\u0627\u0639\u0627\u062a\u0647\u0627 \u0641\u064a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u062a\u064a \u062a\u062a\u0628\u0639\u0647\u0627<\/h2>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><img decoding=\"async\" class=\"wp-image-2227\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/1_image-18.jpg\" alt=\"\" \/ width=\"1000\" height=\"600\"><\/figure>\r\n<\/div>\r\n\r\n\r\n<p>\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0628\u0639\u0636 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0623\u0646 \u062a\u0636\u0639\u0647\u0627 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0639\u0646\u062f \u0625\u0646\u0634\u0627\u0621 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u062a\u064a \u062a\u0631\u063a\u0628 \u0641\u064a \u0627\u0644\u0625\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u064a\u0647\u0627:<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">\u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629<\/h3>\r\n\r\n\r\n\r\n<p>\u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 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(\u0623\u0641\u0642 10+ \u0633\u0646\u0648\u0627\u062a)<\/h2>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><img decoding=\"async\" class=\"wp-image-2223\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/2_image-14.jpg\" alt=\"\" \/ width=\"1104\" height=\"690\"><\/figure>\r\n<\/div>\r\n\r\n\r\n<p>\u0623\u062f\u064a\u0631 100% \u0645\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u064a \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 \u0628\u0646\u0641\u0633\u064a \u0648\u0645\u0627 \u0632\u0644\u062a \u0623\u062a\u0628\u0639 \u0639\u0627\u062f\u0627\u062a\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u064a\u0648\u0645\u064a\u0629. \u0623\u0646\u0627 \u0644\u0627 \u0623\u0639\u0645\u0644 \u0645\u0639 \u0623\u064a \u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u0645\u064f\u0633\u062a\u0634\u0627\u0631\u064a\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u064a\u0646 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\u0628\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0640 401k\u060c \u0648 Roth IRA\u060c \u0648\u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u0646\u0634\u0627\u0637 \u062c\u0627\u0646\u0628\u064a\u060c \u0641\u0627\u0633\u062a\u062e\u062f\u0645 SEP-IRA \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0642\u0628\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0623\u064a \u0634\u064a\u0621 \u0622\u062e\u0631.<\/p>\r\n\r\n\r\n\r\n<p>\u0625\u062d\u062f\u0649 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0631\u0627\u0626\u0639\u0629 \u0644\u0645\u0639\u0638\u0645 \u062d\u0633\u0627\u0628\u0627\u062a IRA \u0647\u064a \u0623\u0646\u0647 \u064a\u064f\u0645\u0643\u0646\u0643 \u0634\u0631\u0627\u0621 \u0648\u0628\u064a\u0639 \u0627\u0644\u0623\u0633\u0647\u0645 \u0628\u062f\u0627\u062e\u0644\u0647\u0627. \u0623\u0634\u062a\u0631\u064a AMZN \u0641\u064a SEP-IRA \u0627\u0644\u062e\u0627\u0635 \u0628\u064a.<\/p>\r\n\r\n\r\n\r\n<p>\u0644\u0633\u0648\u0621 \u0627\u0644\u062d\u0638\u060c \u0628\u0645\u0627 \u0623\u0646 \u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u062a\u0631\u064a\u062f \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0623\u0645\u0648\u0627\u0644\u0647\u0627\u060c \u0641\u0647\u0646\u0627\u0643 \u062d\u062f\u0648\u062f \u0644\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0639\u0644\u0649 \u0623\u064a \u062d\u0633\u0627\u0628 \u062a\u0642\u0627\u0639\u062f \u064a\u062a\u0645\u062a\u0639 \u0628\u0627\u0644\u0627\u0645\u062a\u064a\u0627\u0632\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u0623\u064a\u0646 \u064a\u062a\u0645 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u0645\u0648\u0627\u0644\u064a<\/h2>\r\n\r\n\r\n\r\n<p>\u0623\u062f\u064a\u0631 100% \u0645\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u064a 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class=\"aligncenter\"><img decoding=\"async\" class=\"wp-image-2225\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/1_image-16.jpg\" alt=\"\" \/ width=\"1200\" height=\"650\"><\/figure>\r\n<\/div>\r\n\r\n\r\n<p>\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0628\u0639\u0636 \u0627\u0644\u0646\u0635\u0627\u0626\u062d \u0644\u062a\u062c\u0646\u0628 \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0633\u064a\u0626\u0629.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">\u0643\u0646 \u062d\u0630\u0631\u064b\u0627 \u0645\u0646 \u0646\u0635\u0627\u0626\u062d \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u0646 \u0627\u0644\u0645\u064f\u062d\u062a\u0627\u0644\u064a\u0646<\/h3>\r\n\r\n\r\n\r\n<p>\u0623\u0633\u0645\u0639 \u0623\u0641\u0643\u0627\u0631\u064b\u0627 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0633\u064a\u0626\u0629 \u0623\u0643\u062b\u0631 \u0645\u0646 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