{"id":421,"date":"2026-01-21T12:43:31","date_gmt":"2026-01-21T12:43:31","guid":{"rendered":"https:\/\/ecrs.bsm-1.com\/?p=421"},"modified":"2026-01-21T12:43:31","modified_gmt":"2026-01-21T12:43:31","slug":"%d8%af%d9%84%d9%8a%d9%84%d9%83-%d9%84%d9%81%d9%87%d9%85-%d8%a3%d9%86%d9%88%d8%a7%d8%b9-%d8%a7%d9%84%d8%a7%d8%b3%d8%aa%d8%ab%d9%85%d8%a7%d8%b1%d8%a7%d8%aa-%d8%a7%d9%84%d9%85%d8%ae%d8%aa%d9%84%d9%81","status":"publish","type":"post","link":"https:\/\/ecrs.bsm-1.com\/?p=421","title":{"rendered":"\u062f\u0644\u064a\u0644\u0643 \u0644\u0641\u0647\u0645 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0648\u0643\u064a\u0641\u064a\u0629 \u062a\u0646\u0648\u064a\u0639 \u0645\u062d\u0641\u0638\u062a\u0643 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0627\u0644\u064a"},"content":{"rendered":"<p>\ud83d\udcca *\u062f\u0644\u064a\u0644\u0643 \u0644\u0641\u0647\u0645 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0648\u0643\u064a\u0641\u064a\u0629 \u062a\u0646\u0648\u064a\u0639 \u0645\u062d\u0641\u0638\u062a\u0643 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0627\u0644\u064a*<\/p>\n<p>\u0643\u062a\u0628 \u062f\u0643\u062a\u0648\u0631 \u0639\u0645\u0631\u0648 \u0639\u0644\u064a<\/p>\n<p>\u0641\u064a \u0638\u0644 \u0627\u0644\u062a\u0642\u0644\u0651\u0628\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0648\u0627\u0631\u062a\u0641\u0627\u0639 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0645\u0639\u064a\u0634\u0629\u060c \u0623\u0635\u0628\u062d \u0627\u0644\u0633\u0624\u0627\u0644 \u0627\u0644\u0623\u0643\u062b\u0631 \u062a\u062f\u0627\u0648\u0644\u064b\u0627 \u0628\u064a\u0646 \u0627\u0644\u0637\u0628\u0642\u0629 \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629: **\u0643\u064a\u0641 \u064a\u0645\u0643\u0646\u0646\u064a \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u0645\u0648\u0627\u0644\u064a \u0628\u0637\u0631\u064a\u0642\u0629 \u0622\u0645\u0646\u0629 \u0648\u0645\u0631\u0628\u062d\u0629\u061f**<br \/>\n\u0627\u0644\u0625\u062c\u0627\u0628\u0629 \u062a\u0643\u0645\u0646 \u0641\u064a \u0645\u0641\u0647\u0648\u0645 \u0628\u0633\u064a\u0637 \u0644\u0643\u0646\u0647 \u0641\u0639\u0651\u0627\u0644: **\u062a\u0646\u0648\u064a\u0639 \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629** \u0639\u0628\u0631 \u0641\u0626\u0627\u062a \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629.<\/p>\n<p>&#8212;<\/p>\n<p>### \ud83d\udcbc \u0645\u0627 \u0647\u064a \u0641\u0626\u0627\u062a \u0627\u0644\u0623\u0635\u0648\u0644\u061f<\/p>\n<p>\u0641\u0626\u0629 \u0627\u0644\u0623\u0635\u0648\u0644 (Asset Class) \u0647\u064a \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u062a\u062a\u0634\u0627\u0628\u0647 \u0641\u064a \u0637\u0628\u064a\u0639\u062a\u0647\u0627 \u0648\u0637\u0631\u064a\u0642\u0629 \u062a\u062f\u0627\u0648\u0644\u0647\u0627.<br \/>\n\u0648\u064a\u0645\u0643\u0646 \u062a\u0642\u0633\u064a\u0645\u0647\u0627 \u0625\u0644\u0649 \u0623\u0631\u0628\u0639 \u0645\u062c\u0645\u0648\u0639\u0627\u062a \u0631\u0626\u064a\u0633\u064a\u0629:<\/p>\n<p>1. **\u0627\u0644\u0623\u0633\u0647\u0645 (Equities):**<br \/>\n\u062a\u0645\u062b\u0644 \u062d\u0635\u0629 \u0641\u064a \u0645\u0644\u0643\u064a\u0629 \u0634\u0631\u0643\u0629.<\/p>\n<p>* *\u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0645\u062a\u0642\u062f\u0645\u0629:* \u0645\u062b\u0644 \u0634\u0631\u0643\u0627\u062a &#8220;Apple&#8221; \u0648&#8221;Toyota&#8221;.<br \/>\n* *\u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0646\u0627\u0634\u0626\u0629:* \u0645\u062b\u0644 &#8220;Reliance&#8221; \u0627\u0644\u0647\u0646\u062f\u064a\u0629 \u0648&#8221;Petrobras&#8221; \u0627\u0644\u0628\u0631\u0627\u0632\u064a\u0644\u064a\u0629.<br \/>\n\ud83d\udc49 *\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0628\u0631 [Investopedia](https:\/\/www.investopedia.com\/terms\/a\/assetclasses.asp).*<\/p>\n<p>2. **\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0648\u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u062b\u0627\u0628\u062a (Fixed Income):**<br \/>\n\u062a\u0648\u0641\u0631 \u0639\u0627\u0626\u062f\u064b\u0627 \u0645\u0646\u062a\u0638\u0645\u064b\u0627 \u0628\u0645\u062e\u0627\u0637\u0631 \u0645\u0646\u062e\u0641\u0636\u0629 \u0646\u0633\u0628\u064a\u064b\u0627\u060c \u0645\u062b\u0644 \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062e\u0632\u0627\u0646\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0623\u0648 \u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629.<\/p>\n<p>3. **\u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 (Real Assets):**<br \/>\n\u0648\u062a\u0634\u0645\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a\u060c \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629\u060c \u0627\u0644\u0630\u0647\u0628 \u0648\u0627\u0644\u0645\u0639\u0627\u062f\u0646 \u0627\u0644\u062b\u0645\u064a\u0646\u0629.<br \/>\n\u0647\u0630\u0647 \u0627\u0644\u0623\u0635\u0648\u0644 \u062a\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0642\u064a\u0645\u062a\u0647\u0627 \u0641\u064a \u0627\u0644\u0623\u0632\u0645\u0627\u062a.<br \/>\n\ud83c\udfe0 \u0645\u062b\u0627\u0644: \u0634\u0631\u0627\u0621 \u0634\u0642\u0629 \u0648\u062a\u0623\u062c\u064a\u0631\u0647\u0627 \u0623\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0639\u0642\u0627\u0631\u064a.<\/p>\n<p>4. **\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0628\u062f\u064a\u0644\u0629 (Alternative Investments):**<br \/>\n\u0645\u062b\u0644 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0637\u060c \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u062e\u0627\u0635\u0629 (Private Equity)\u060c \u0648\u0627\u0644\u0641\u0646\u0648\u0646 \u0648\u0627\u0644\u062a\u062d\u0641.<br \/>\n\u0648\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u062d\u0642\u0642 \u0639\u0648\u0627\u0626\u062f \u0623\u0639\u0644\u0649 \u0645\u0642\u0627\u0628\u0644 \u0645\u062e\u0627\u0637\u0631 \u0623\u0643\u0628\u0631.<\/p>\n<p>&#8212;<\/p>\n<p>### \ud83d\udca1 \u0644\u0645\u0627\u0630\u0627 \u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u0645\u0647\u0645\u061f<\/p>\n<p>\u0639\u0646\u062f\u0645\u0627 \u062a\u0636\u0639 \u0643\u0644 \u0623\u0645\u0648\u0627\u0644\u0643 \u0641\u064a \u0646\u0648\u0639 \u0648\u0627\u062d\u062f \u0645\u0646 \u0627\u0644\u0623\u0635\u0648\u0644\u060c \u0641\u0623\u0646\u062a **\u062a\u0639\u0631\u0651\u0636 \u0646\u0641\u0633\u0643 \u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u0648\u0642**.<br \/>\n\u0644\u0643\u0646 \u0639\u0646\u062f\u0645\u0627 \u062a\u0648\u0632\u0651\u0639 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643 \u0628\u064a\u0646 \u0641\u0626\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629\u060c \u0641\u0625\u0646 **\u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0642\u062f \u062a\u064f\u0639\u0648\u0651\u0636 \u0628\u0623\u0631\u0628\u0627\u062d \u0641\u064a \u0645\u062c\u0627\u0644 \u0622\u062e\u0631**.<\/p>\n<p>\ud83d\udd38 *\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644:*<br \/>\n\u0625\u0630\u0627 \u0627\u0646\u062e\u0641\u0636\u062a \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0642\u062f \u062a\u0631\u062a\u0641\u0639 \u0642\u064a\u0645\u0629 \u0627\u0644\u0630\u0647\u0628 \u0623\u0648 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a.<\/p>\n<p>&#8212;<\/p>\n<p>### \ud83e\udded \u0643\u064a\u0641 \u062a\u0628\u0646\u064a \u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0648\u0627\u0632\u0646\u0629\u061f<\/p>\n<p>* \u062e\u0635\u0651\u0635 **40% \u0644\u0644\u0623\u0633\u0647\u0645** (\u0645\u0646\u0647\u0627 70% \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0645\u062a\u0642\u062f\u0645\u0629 \u064830% \u0641\u064a \u0627\u0644\u0646\u0627\u0634\u0626\u0629).<br \/>\n* \u0627\u0633\u062a\u062b\u0645\u0631 **30% \u0641\u064a \u0627\u0644\u0633\u0646\u062f\u0627\u062a** \u0623\u0648 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u062b\u0627\u0628\u062a.<br \/>\n* \u0627\u062d\u062a\u0641\u0638 \u0628\u0640 **15% \u0641\u064a \u0627\u0644\u0630\u0647\u0628 \u0623\u0648 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a**.<br \/>\n* \u0636\u0639 **10% \u0641\u064a \u0646\u0642\u062f \u0623\u0648 \u0623\u062f\u0648\u0627\u062a \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644**.<br \/>\n* \u062e\u0635\u0651\u0635 **5% \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0628\u062f\u064a\u0644\u0629** \u0643\u0627\u0644\u0641\u0646 \u0623\u0648 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0637.<\/p>\n<p>\ud83d\udcc8 \u064a\u0645\u0643\u0646\u0643 \u062a\u062c\u0631\u0628\u0629 \u062d\u0627\u0633\u0628\u0629 \u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0623\u0635\u0648\u0644 \u0639\u0628\u0631 \u0645\u0648\u0642\u0639 [Morningstar](https:\/\/www.morningstar.com\/lp\/portfolio-x-ray).<\/p>\n<p>&#8212;<\/p>\n<p>### \ud83d\udd0d \u0627\u0644\u062e\u0644\u0627\u0635\u0629:<\/p>\n<p>\u062a\u0646\u0648\u064a\u0639 \u0627\u0644\u0623\u0635\u0648\u0644 \u0644\u064a\u0633 \u0631\u0641\u0627\u0647\u064a\u0629 \u0644\u0644\u0623\u062b\u0631\u064a\u0627\u0621\u060c \u0628\u0644 **\u0636\u0631\u0648\u0631\u0629 \u0644\u0643\u0644 \u0645\u0646 \u064a\u0633\u0639\u0649 \u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0645\u0627\u0644\u064a \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u0645\u062f**.<br \/>\n\u0627\u0628\u062f\u0623 \u0628\u062e\u0637\u0648\u0627\u062a \u0635\u063a\u064a\u0631\u0629\u060c \u0648\u0627\u0633\u062a\u062b\u0645\u0631 \u0628\u0630\u0643\u0627\u0621\u060c \u0648\u062f\u0639 \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u0631\u0643\u0651\u0628 \u064a\u0639\u0645\u0644 \u0644\u0635\u0627\u0644\u062d\u0643.<\/p>\n<p>&gt; \ud83d\udcac *&#8221;\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0630\u0643\u064a \u0644\u0627 \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u0646\u0628\u0624 \u0628\u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u060c \u0628\u0644 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0639\u062f\u0627\u062f \u0644\u0647.&#8221;* \u2013 \u0628\u064a\u062a\u0631 \u0644\u064a\u0646\u0634<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"hdtdmxvqlI\"><p><a href=\"https:\/\/www.visualcapitalist.com\/how-billionaires-plan-to-invest-in-2026\/\" target=\"_blank\" rel=\"noopener\">How Billionaires Plan to Invest in 2026<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;How Billionaires Plan to Invest in 2026&#8221; &#8212; Visual Capitalist\" src=\"https:\/\/www.visualcapitalist.com\/how-billionaires-plan-to-invest-in-2026\/embed\/#?secret=rxnHjPArQx#?secret=hdtdmxvqlI\" data-secret=\"hdtdmxvqlI\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcca *\u062f\u0644\u064a\u0644\u0643 \u0644\u0641\u0647\u0645 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a 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