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\u0627\u0644\u062f\u064a\u0648\u0646. \u0647\u0630\u0647 \u0627\u0644\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0628\u0633\u064a\u0637\u0629 \u064a\u0645\u0643\u0646 \u062a\u0637\u0628\u064a\u0642\u0647\u0627 \u0639\u0627\u0644\u0645\u064a\u064b\u0627 \u0644\u062a\u0648\u0641\u064a\u0631 \u0647\u064a\u0643\u0644 \u0648\u0627\u0636\u062d \u0644\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629.<\/li>\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631\u064a\u0629 (Zero-Based Budgeting):<\/strong> \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u062f\u062e\u0644\u0643 \u064a\u064f\u062e\u0635\u0635 \u0644\u063a\u0631\u0636 \u0645\u0639\u064a\u0646 (\u0625\u0646\u0641\u0627\u0642\u060c \u0627\u062f\u062e\u0627\u0631\u060c \u062f\u064a\u0646). \u0647\u0630\u0627 \u064a\u0636\u0645\u0646 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0623\u0645\u0648\u0627\u0644 \u063a\u064a\u0631 \u0645\u0648\u062c\u0647\u0629.<\/li>\n<li><strong>\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629:<\/strong> \u0647\u0646\u0627\u0643 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u062a\u062a\u0628\u0639 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0648\u062a\u0642\u062f\u064a\u0645 \u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0645\u0641\u0635\u0644\u0629\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0623\u0633\u0647\u0644 \u0648\u0623\u0643\u062b\u0631 \u0641\u0639\u0627\u0644\u064a\u0629.<\/li>\n<\/ul>\n<h3>\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626: \u0627\u0644\u062f\u0631\u0639 \u0627\u0644\u0648\u0627\u0642\u064a \u0636\u062f \u0627\u0644\u0645\u062c\u0647\u0648\u0644<\/h3>\n<p>\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0647\u0648 \u0645\u0628\u0644\u063a \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u064a\u062a\u0645 \u0627\u062f\u062e\u0627\u0631\u0647 \u062e\u0635\u064a\u0635\u064b\u0627 \u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629\u060c \u0645\u062b\u0644 \u0641\u0642\u062f\u0627\u0646 \u0627\u0644\u0648\u0638\u064a\u0641\u0629\u060c \u0641\u0648\u0627\u062a\u064a\u0631 \u0637\u0628\u064a\u0629 \u0637\u0627\u0631\u0626\u0629\u060c \u0623\u0648 \u0625\u0635\u0644\u0627\u062d\u0627\u062a \u0645\u0646\u0632\u0644\u064a\u0629 \u0643\u0628\u064a\u0631\u0629. \u0625\u0646\u0647 \u064a\u0648\u0641\u0631 \u0627\u0644\u0623\u0645\u0627\u0646 \u0648\u064a\u0645\u0646\u0639\u0643 \u0645\u0646 \u0627\u0644\u0648\u0642\u0648\u0639 \u0641\u064a \u0627\u0644\u062f\u064a\u0648\u0646 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629.<\/p>\n<ul>\n<li><strong>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u064a\u0648\u0635\u0649 \u0639\u0627\u062f\u0629\u064b \u0628\u062a\u0648\u0641\u064a\u0631 \u0645\u0627 \u064a\u0639\u0627\u062f\u0644 3 \u0625\u0644\u0649 6 \u0623\u0634\u0647\u0631 \u0645\u0646 \u0646\u0641\u0642\u0627\u062a\u0643 \u0627\u0644\u0645\u0639\u064a\u0634\u064a\u0629. \u0628\u0639\u0636 \u0627\u0644\u062e\u0628\u0631\u0627\u0621 \u064a\u0642\u062a\u0631\u062d\u0648\u0646 \u062d\u062a\u0649 12 \u0634\u0647\u0631\u064b\u0627 \u0641\u064a \u0638\u0644 \u0638\u0631\u0648\u0641 \u0639\u062f\u0645 \u0627\u0644\u064a\u0642\u064a\u0646 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0627\u0644\u062d\u0627\u0644\u064a.<\/li>\n<li><strong>\u0627\u0644\u0645\u0643\u0627\u0646:<\/strong> \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u0630\u0627 \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u0641\u064a \u062d\u0633\u0627\u0628 \u062a\u0648\u0641\u064a\u0631 \u0633\u0647\u0644 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647\u060c \u0645\u0646\u0641\u0635\u0644 \u0639\u0646 \u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0627\u0644\u062c\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629. \u0627\u0644\u0623\u0647\u0645 \u0647\u0648 \u0627\u0644\u0633\u064a\u0648\u0644\u0629\u060c \u0648\u0644\u064a\u0633 \u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u0631\u062a\u0641\u0639.<\/li>\n<li><strong>\u0627\u0644\u0628\u0646\u0627\u0621 \u0627\u0644\u062a\u062f\u0631\u064a\u062c\u064a:<\/strong> \u0627\u0628\u062f\u0623 \u0628\u0623\u0647\u062f\u0627\u0641 \u0635\u063a\u064a\u0631\u0629\u060c \u0645\u062b\u0644 \u062a\u0648\u0641\u064a\u0631 1000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0648\u0644\u0627\u064b\u060c \u062b\u0645 \u0627\u0639\u0645\u0644 \u0639\u0644\u0649 \u0632\u064a\u0627\u062f\u062a\u0647 \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627.<\/li>\n<\/ul>\n<h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062f\u064a\u0648\u0646 \u0628\u062d\u0643\u0645\u0629: \u0627\u0644\u062a\u062e\u0644\u0635 \u0645\u0646 \u0627\u0644\u0623\u0639\u0628\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/h3>\n<p>\u0627\u0644\u062f\u064a\u0646 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0623\u062f\u0627\u0629 \u0645\u0627\u0644\u064a\u0629 \u0645\u0641\u064a\u062f\u0629 (\u0645\u062b\u0644 \u0642\u0631\u0636 \u0627\u0644\u0645\u0646\u0632\u0644 \u0623\u0648 \u0627\u0644\u0633\u064a\u0627\u0631\u0629)\u060c \u0648\u0644\u0643\u0646\u0647 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0635\u0628\u062d \u0639\u0628\u0626\u064b\u0627 \u062b\u0642\u064a\u0644\u0627\u064b \u0625\u0630\u0627 \u0644\u0645 \u064a\u062a\u0645 \u0625\u062f\u0627\u0631\u062a\u0647 \u0628\u062d\u0643\u0645\u0629\u060c \u062e\u0627\u0635\u0629 \u0627\u0644\u062f\u064a\u0648\u0646 \u0630\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u0629 \u0645\u062b\u0644 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0648 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0634\u062e\u0635\u064a\u0629.<\/p>\n<ul>\n<li><strong>\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0648\u0644\u0648\u064a\u0627\u062a:<\/strong> \u0631\u0643\u0632 \u0639\u0644\u0649 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646 \u0630\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0623\u0639\u0644\u0649 \u0623\u0648\u0644\u0627\u064b (\u0637\u0631\u064a\u0642\u0629 \u0643\u0631\u0629 \u0627\u0644\u062b\u0644\u062c \u0623\u0648 \u0627\u0644\u0627\u0646\u0647\u064a\u0627\u0631 \u0627\u0644\u062c\u0644\u064a\u062f\u064a).<\/li>\n<li><strong>\u062a\u062c\u0646\u0628 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u062c\u062f\u064a\u062f\u0629:<\/strong> \u0642\u0644\u0644 \u0645\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u062d\u0627\u0648\u0644 \u062f\u0641\u0639 \u0642\u064a\u0645\u0629 \u0645\u0634\u062a\u0631\u064a\u0627\u062a\u0643 \u0646\u0642\u062f\u064b\u0627 \u0642\u062f\u0631 \u0627\u0644\u0625\u0645\u0643\u0627\u0646.<\/li>\n<li><strong>\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644:<\/strong> \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u062f\u064a\u0648\u0646 \u0628\u0641\u0627\u0626\u062f\u0629 \u0645\u0631\u062a\u0641\u0639\u0629\u060c \u0627\u0633\u062a\u0643\u0634\u0641 \u062e\u064a\u0627\u0631\u0627\u062a \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0623\u0648 \u062a\u0648\u062d\u064a\u062f \u0627\u0644\u062f\u064a\u0648\u0646 \u0628\u0641\u0627\u0626\u062f\u0629 \u0623\u0642\u0644.<\/li>\n<\/ul>\n<h3>\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0645\u0646\u062a\u0638\u0645: \u0628\u0646\u0627\u0621 \u0627\u0644\u062b\u0631\u0648\u0629 \u062e\u0637\u0648\u0629 \u0628\u062e\u0637\u0648\u0629<\/h3>\n<p>\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0647\u0648 \u062d\u062c\u0631 \u0627\u0644\u0632\u0627\u0648\u064a\u0629 \u0641\u064a \u0628\u0646\u0627\u0621 \u0627\u0644\u062b\u0631\u0648\u0629. \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u062c\u0632\u0621\u064b\u0627 \u0645\u0646\u062a\u0638\u0645\u064b\u0627 \u0645\u0646 \u062e\u0637\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0644\u064a\u0633 \u0645\u0627 \u064a\u062a\u0628\u0642\u0649 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0634\u0647\u0631.<\/p>\n<ul>\n<li><strong>\u0627\u062c\u0639\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627:<\/strong> \u0642\u0645 \u0628\u0625\u0639\u062f\u0627\u062f \u062a\u062d\u0648\u064a\u0644\u0627\u062a \u062a\u0644\u0642\u0627\u0626\u064a\u0629 \u0645\u0646 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0623\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u064a\u0648\u0645 \u0627\u0633\u062a\u0644\u0627\u0645 \u0627\u0644\u0631\u0627\u062a\u0628.<\/li>\n<li><strong>\u062d\u062f\u062f \u0623\u0647\u062f\u0627\u0641\u064b\u0627 \u0644\u0644\u0627\u062f\u062e\u0627\u0631:<\/strong> \u0647\u0644 \u062a\u062f\u062e\u0631 \u0644\u0645\u0642\u062f\u0645 \u0645\u0646\u0632\u0644\u060c \u0644\u062a\u0639\u0644\u064a\u0645 \u0637\u0641\u0644\u0643\u060c \u0623\u0648 \u0644\u0625\u062c\u0627\u0632\u0629\u061f \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0647\u062f\u0641 \u064a\u0639\u0637\u064a\u0643 \u062d\u0627\u0641\u0632\u064b\u0627.<\/li>\n<li><strong>\u0627\u0633\u062a\u062e\u062f\u0645 \u0645\u064a\u0632\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0631\u0643\u0628\u0629:<\/strong> \u0643\u0644\u0645\u0627 \u0628\u062f\u0623\u062a \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0645\u0628\u0643\u0631\u064b\u0627\u060c \u0643\u0644\u0645\u0627 \u0632\u0627\u062f\u062a \u0642\u0648\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0631\u0643\u0628\u0629 \u0641\u064a \u062a\u0646\u0645\u064a\u0629 \u0623\u0645\u0648\u0627\u0644\u0643 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644.<\/li>\n<\/ul>\n<h3>\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0630\u0643\u064a: \u062a\u0646\u0645\u064a\u0629 \u0623\u0645\u0648\u0627\u0644\u0643 \u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0645\u0632\u062f\u0647\u0631<\/h3>\n<p>\u0628\u064a\u0646\u0645\u0627 \u064a\u062d\u0627\u0641\u0638 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0639\u0644\u0649 \u0623\u0645\u0648\u0627\u0644\u0643\u060c \u0641\u0625\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u064a\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0646\u0645\u064a\u062a\u0647\u0627 \u0648\u0645\u0636\u0627\u0639\u0641\u062a\u0647\u0627\u060c \u0645\u0645\u0627 \u064a\u062d\u0645\u064a\u0647\u0627 \u0645\u0646 \u0627\u0644\u062a\u0636\u062e\u0645 \u0648\u064a\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0634\u0643\u0644 \u0623\u0633\u0631\u0639. \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0630\u0643\u064a \u064a\u0639\u0646\u064a \u0641\u0647\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0627\u0644\u062a\u0646\u0648\u0639\u060c \u0648\u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629.<\/p>\n<ul>\n<li><strong>\u062a\u0646\u0648\u064a\u0639 \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629:<\/strong> \u0644\u0627 \u062a\u0636\u0639 \u0643\u0644 \u0628\u064a\u0636\u0643 \u0641\u064a \u0633\u0644\u0629 \u0648\u0627\u062d\u062f\u0629. \u0642\u0645 \u0628\u062a\u0648\u0632\u064a\u0639 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643 \u0639\u0628\u0631 \u0641\u0626\u0627\u062a \u0623\u0635\u0648\u0644 \u0645\u062e\u062a\u0644\u0641\u0629 \u0645\u062b\u0644 \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0627\u0644\u0633\u0646\u062f\u0627\u062a\u060c \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a\u060c \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 (ETFs).<\/li>\n<li><strong>\u0641\u0647\u0645 \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631:<\/strong> \u0647\u0644 \u0623\u0646\u062a \u0645\u0633\u062a\u062b\u0645\u0631 \u0645\u062d\u0627\u0641\u0638 \u0623\u0645 \u0645\u063a\u0627\u0645\u0631\u061f \u064a\u062c\u0628 \u0623\u0646 \u062a\u062a\u0648\u0627\u0641\u0642 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643 \u0645\u0639 \u0645\u0633\u062a\u0648\u0649 \u0631\u0627\u062d\u062a\u0643 \u0644\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0632\u0645\u0646\u064a\u0629.<\/li>\n<li><strong>\u0627\u0644\u0628\u062f\u0621 \u0635\u063a\u064a\u0631\u064b\u0627:<\/strong> \u0644\u0633\u062a \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0645\u0628\u0627\u0644\u063a \u0636\u062e\u0645\u0629 \u0644\u0644\u0628\u062f\u0621. \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062a\u062f\u0627\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 (Fintech) \u062a\u062a\u064a\u062d \u0644\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0645\u0628\u0627\u0644\u063a \u0635\u063a\u064a\u0631\u0629 \u062c\u062f\u064b\u0627.<\/li>\n<li><strong>\u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0645\u0633\u062a\u0645\u0631:<\/strong> \u0627\u0642\u0631\u0623 \u0639\u0646 \u0627\u0644\u0623\u0633\u0648\u0627\u0642\u060c \u0641\u0647\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629\u060c \u0648\u0641\u0643\u0631 \u0641\u064a \u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0645\u0633\u062a\u0634\u0627\u0631 \u0645\u0627\u0644\u064a \u0645\u0639\u062a\u0645\u062f.<\/li>\n<\/ul>\n<p><strong>\u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u064a\u0646 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0634\u0627\u0626\u0639\u0629<\/strong><\/p>\n<table border=\"1\" style=\"width:100%; border-collapse: collapse;\">\n<thead>\n<tr>\n<th style=\"padding: 8px; border: 1px solid #ddd; text-align: left;\">\u0623\u062f\u0627\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/th>\n<th style=\"padding: 8px; border: 1px solid #ddd; text-align: left;\">\u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/th>\n<th style=\"padding: 8px; border: 1px solid #ddd; text-align: left;\">\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u062d\u062a\u0645\u0644<\/th>\n<th style=\"padding: 8px; border: 1px solid #ddd; text-align: left;\">\u0627\u0644\u0633\u064a\u0648\u0644\u0629<\/th>\n<th style=\"padding: 8px; border: 1px solid #ddd; text-align: left;\">\u0645\u062b\u0627\u0644\u064a \u0644\u0640<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0648\u0641\u064a\u0631<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u0646\u062e\u0641\u0636\u0629 \u062c\u062f\u064b\u0627<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u0646\u062e\u0641\u0636 \u062c\u062f\u064b\u0627<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0639\u0627\u0644\u064a\u0629 \u062c\u062f\u064b\u0627<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626\u060c \u0623\u0647\u062f\u0627\u0641 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629\/\u0627\u0644\u0634\u0631\u0643\u0627\u062a<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u0646\u062e\u0641\u0636\u0629 \u0625\u0644\u0649 \u0645\u062a\u0648\u0633\u0637\u0629<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u062a\u0648\u0633\u0637<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u062a\u0648\u0633\u0637\u0629<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644\u060c \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u062b\u0627\u0628\u062a<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 (ETFs)<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u062a\u0648\u0633\u0637\u0629<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u062a\u0648\u0633\u0637 \u0625\u0644\u0649 \u0645\u0631\u062a\u0641\u0639<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0639\u0627\u0644\u064a\u0629<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u0628\u062a\u0643\u0644\u0641\u0629 \u0645\u0646\u062e\u0641\u0636\u0629\u060c \u0646\u0645\u0648 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0641\u0631\u062f\u064a\u0629<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u0631\u062a\u0641\u0639\u0629<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u0631\u062a\u0641\u0639 \u062c\u062f\u064b\u0627 (\u0645\u0639 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629)<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0639\u0627\u0644\u064a\u0629<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0646\u0645\u0648 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644\u060c \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0630\u0648\u064a \u0627\u0644\u062e\u0628\u0631\u0629<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u062a\u0648\u0633\u0637\u0629 \u0625\u0644\u0649 \u0645\u0631\u062a\u0641\u0639\u0629<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u062a\u0648\u0633\u0637 \u0625\u0644\u0649 \u0645\u0631\u062a\u0641\u0639<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0645\u0646\u062e\u0641\u0636\u0629<\/td>\n<td style=\"padding: 8px; border: 1px solid #ddd;\">\u0646\u0645\u0648 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644\u060c \u062f\u062e\u0644 \u0625\u064a\u062c\u0627\u0631\u064a\u060c \u062a\u062d\u0648\u0637 \u0636\u062f \u0627\u0644\u062a\u0636\u062e\u0645<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0645\u062a\u0642\u062f\u0645\u0629 \u0644\u0628\u0646\u0627\u0621 \u0645\u0633\u062a\u0642\u0628\u0644 \u0645\u0627\u0644\u064a \u0622\u0645\u0646<\/h2>\n<p>\u0628\u0639\u062f \u0625\u062a\u0642\u0627\u0646 \u0627\u0644\u0631\u0643\u0627\u0626\u0632 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629\u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0627\u0644\u0637\u0645\u0648\u062d\u064a\u0646 \u0627\u0633\u062a\u0643\u0634\u0627\u0641 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0623\u0643\u062b\u0631 \u062a\u0642\u062f\u0645\u064b\u0627 \u0644\u062a\u0639\u0632\u064a\u0632 \u0623\u0645\u0627\u0646\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u062a\u0633\u0631\u064a\u0639 \u0648\u062a\u064a\u0631\u0629 \u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0647\u0645 \u0627\u0644\u0643\u0628\u0631\u0649.<\/p>\n<h3>\u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u0644\u062a\u0642\u0627\u0639\u062f: \u0627\u0644\u0628\u062f\u0621 \u0645\u0628\u0643\u0631\u0627\u064b \u064a\u0639\u0646\u064a \u0627\u0644\u0648\u0635\u0648\u0644 \u0623\u0633\u0631\u0639<\/h3>\n<p>\u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0642\u062f \u064a\u0628\u062f\u0648 \u0628\u0639\u064a\u062f\u064b\u0627\u060c \u0644\u0643\u0646 \u0643\u0644 \u064a\u0648\u0645 \u064a\u0645\u0631 \u062f\u0648\u0646 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u0647 \u0647\u0648 \u064a\u0648\u0645 \u0636\u0627\u0626\u0639 \u0645\u0646 \u0642\u0648\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0631\u0643\u0628\u0629. \u064a\u0639\u062a\u0628\u0631 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u0644\u062a\u0642\u0627\u0639\u062f \u0623\u062d\u062f \u0623\u0647\u0645 \u062c\u0648\u0627\u0646\u0628 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0644\u0645\u0648\u0638\u0641.<\/p>\n<ul>\n<li><strong>\u0646\u0638\u0645 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629:<\/strong> \u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u062e\u0637\u0637 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0641\u064a \u0628\u0644\u062f\u0643 (\u0645\u062b\u0644 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0639\u0627\u0634\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u062e\u0637\u0637 \u0627\u0644\u062e\u0627\u0635\u0629 401(k) \u0648 IRA \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u0623\u0648 \u0645\u0627 \u064a\u0639\u0627\u062f\u0644\u0647\u0627 \u0641\u064a \u0645\u0646\u0627\u0637\u0642 \u0623\u062e\u0631\u0649). \u0627\u0633\u062a\u0641\u062f \u0625\u0644\u0649 \u0623\u0642\u0635\u0649 \u062d\u062f \u0645\u0646 \u0623\u064a \u0645\u0633\u0627\u0647\u0645\u0627\u062a \u064a\u0637\u0627\u0628\u0642\u0647\u0627 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644.<\/li>\n<li><strong>\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0627\u0645\u062a\u064a\u0627\u0632\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629:<\/strong> \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0648\u0641\u0631 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u062d\u0648\u0627\u0641\u0632 \u0636\u0631\u064a\u0628\u064a\u0629 (\u0645\u062b\u0644 \u062a\u0623\u062c\u064a\u0644 \u0627\u0644\u0636\u0631\u064a\u0628\u0629 \u0639\u0644\u0649 \u0627\u0644\u0646\u0645\u0648 \u0623\u0648 \u0627\u0644\u0633\u062d\u0628 \u0627\u0644\u0645\u0639\u0641\u0649 \u0645\u0646 \u0627\u0644\u0636\u0631\u0627\u0626\u0628)\u060c \u0645\u0645\u0627 \u064a\u0639\u0632\u0632 \u0646\u0645\u0648 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643.<\/li>\n<li><strong>\u062a\u0642\u062f\u064a\u0631 \u0646\u0641\u0642\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f:<\/strong> \u062d\u062f\u062f \u0646\u0645\u0637 \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u0630\u064a \u062a\u0631\u063a\u0628 \u0628\u0647 \u0639\u0646\u062f \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0648\u0642\u0645 \u0628\u062a\u0642\u062f\u064a\u0631 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641. \u0633\u064a\u0633\u0627\u0639\u062f\u0643 \u0647\u0630\u0627 \u0641\u064a \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u0648\u0641\u064a\u0631\u0647.<\/li>\n<li><strong>\u0645\u0631\u0627\u062c\u0639\u0629 \u0627\u0644\u062e\u0637\u0629 \u0628\u0627\u0646\u062a\u0638\u0627\u0645:<\/strong> \u0645\u0639 \u062a\u0642\u062f\u0645\u0643 \u0641\u064a \u0627\u0644\u0639\u0645\u0631 \u0648\u062a\u063a\u064a\u0631 \u0638\u0631\u0648\u0641\u0643\u060c \u064a\u062c\u0628 \u0645\u0631\u0627\u062c\u0639\u0629 \u062e\u0637\u0629 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0648\u062a\u0639\u062f\u064a\u0644\u0647\u0627.<\/li>\n<\/ul>\n<h3>\u0627\u0644\u062a\u0623\u0645\u064a\u0646: \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0623\u0635\u0648\u0644 \u0648\u0627\u0644\u0623\u062d\u0628\u0629<\/h3>\n<p>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0634\u0628\u0643\u0629 \u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629. \u0625\u0646\u0647 \u064a\u062d\u0645\u064a \u0623\u0635\u0648\u0644\u0643\u060c \u0635\u062d\u062a\u0643\u060c \u0648\u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u0643\u0633\u0628 \u0627\u0644\u062f\u062e\u0644 \u0645\u0646 \u0627\u0644\u0623\u062d\u062f\u0627\u062b \u0627\u0644\u0643\u0627\u0631\u062b\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629. \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u062c\u0632\u0621\u064b\u0627 \u0644\u0627 \u064a\u062a\u062c\u0632\u0623 \u0645\u0646 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n<ul>\n<li><strong>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0635\u062d\u064a:<\/strong> \u0641\u064a \u0639\u0627\u0644\u0645 \u0627\u0644\u064a\u0648\u0645\u060c \u0644\u0627 \u064a\u0645\u0643\u0646 \u0627\u0644\u0627\u0633\u062a\u063a\u0646\u0627\u0621 \u0639\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0635\u062d\u064a. \u0627\u062d\u0631\u0635 \u0639\u0644\u0649 \u0648\u062c\u0648\u062f \u062a\u063a\u0637\u064a\u0629 \u0635\u062d\u064a\u0629 \u0634\u0627\u0645\u0644\u0629 \u0644\u0643 \u0648\u0644\u0639\u0627\u0626\u0644\u062a\u0643.<\/li>\n<li><strong>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u062d\u064a\u0627\u0629:<\/strong> \u062e\u0627\u0635\u0629 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u0645\u0639\u0627\u0644\u0648\u0646\u060c \u064a\u0648\u0641\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u062d\u064a\u0627\u0629 \u062d\u0645\u0627\u064a\u0629 \u0645\u0627\u0644\u064a\u0629 \u0644\u0647\u0645 \u0641\u064a \u062d\u0627\u0644\u0629 \u0648\u0641\u0627\u062a\u0643.<\/li>\n<li><strong>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u0639\u062c\u0632:<\/strong> \u0647\u0630\u0627 \u0627\u0644\u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0648\u0641\u0631 \u0644\u0643 \u062f\u062e\u0644\u0627\u064b \u0641\u064a \u062d\u0627\u0644\u0629 \u0639\u062f\u0645 \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u0644 \u0628\u0633\u0628\u0628 \u0645\u0631\u0636 \u0623\u0648 \u0625\u0635\u0627\u0628\u0629.<\/li>\n<li><strong>\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a:<\/strong> \u062d\u0645\u0627\u064a\u0629 \u0645\u0646\u0632\u0644\u0643\u060c \u0633\u064a\u0627\u0631\u062a\u0643\u060c \u0648\u0645\u0645\u062a\u0644\u0643\u0627\u062a\u0643 \u0627\u0644\u0623\u062e\u0631\u0649 \u0636\u062f \u0627\u0644\u0633\u0631\u0642\u0629\u060c \u0627\u0644\u062d\u0631\u064a\u0642\u060c \u0648\u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629.<\/li>\n<\/ul>\n<h3>\u062a\u0648\u0644\u064a\u062f \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0625\u0636\u0627\u0641\u064a: \u062a\u0646\u0648\u064a\u0639 \u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u062f\u062e\u0644<\/h3>\n<p>\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0645\u0635\u062f\u0631 \u062f\u062e\u0644 \u0648\u0627\u062d\u062f \u064a\u062c\u0639\u0644 \u0627\u0644\u0645\u0648\u0638\u0641 \u0639\u0631\u0636\u0629 \u0644\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0648\u0627\u0644\u0648\u0638\u064a\u0641\u064a\u0629. \u062e\u0644\u0642 \u0645\u0635\u0627\u062f\u0631 \u062f\u062e\u0644 \u0625\u0636\u0627\u0641\u064a\u0629 \u064a\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u064a\u0633\u0631\u0639 \u0645\u0646 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0623\u0647\u062f\u0627\u0641. \u0639\u0627\u0644\u0645\u064a\u064b\u0627\u060c \u0623\u0635\u0628\u062d \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u062d\u0631 \u0648\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0625\u0636\u0627\u0641\u064a \u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u064b\u0627 \u0628\u0641\u0636\u0644 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a.<\/p>\n<ul>\n<li><strong>\u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u062d\u0631 \u0648\u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a:<\/strong> \u0627\u0633\u062a\u062e\u062f\u0645 \u0645\u0647\u0627\u0631\u0627\u062a\u0643 \u0648\u062e\u0628\u0631\u0627\u062a\u0643 \u0644\u062a\u0642\u062f\u064a\u0645 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\u0627\u0644\u0623\u0645\u0648\u0627\u0644<\/h3>\n<p>\u0627\u0644\u062b\u0648\u0631\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0645 \u062a\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u0627\u0644\u0635\u0646\u0627\u0639\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u061b \u0641\u0642\u062f \u0623\u062d\u062f\u062b\u062a \u062a\u063a\u064a\u064a\u0631\u064b\u0627 \u0647\u0627\u0626\u0644\u0627\u064b \u0641\u064a \u0639\u0627\u0644\u0645 \u0627\u0644\u0645\u0627\u0644\u060c \u0645\u0645\u0627 \u064a\u0648\u0641\u0631 \u0623\u062f\u0648\u0627\u062a \u063a\u064a\u0631 \u0645\u0633\u0628\u0648\u0642\u0629 \u0644\u0625\u062f\u0627\u0631\u0629 \u0648\u062a\u0646\u0645\u064a\u0629 \u0623\u0645\u0648\u0627\u0644\u0643.<\/p>\n<ul>\n<li><strong>\u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0630\u0643\u064a\u0629:<\/strong> \u0627\u0633\u062a\u062e\u062f\u0645 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629\u060c \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062a\u062a\u0628\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u060c \u0648\u0645\u062d\u0627\u0633\u0628\u064a \u0627\u0644\u0631\u0648\u0628\u0648\u062a (Robo-advisors) \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645 \u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0622\u0644\u064a\u0629 \u0628\u062a\u0643\u0644\u0641\u0629 \u0645\u0646\u062e\u0641\u0636\u0629.<\/li>\n<li><strong>\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 (Digital Banking):<\/strong> \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 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\u0639\u0645\u0644\u064a\u0629 \u064a\u0645\u0643\u0646\u0643 \u0627\u062a\u0628\u0627\u0639\u0647\u0627 \u0644\u0628\u062f\u0621 \u0628\u0646\u0627\u0621 \u0645\u0633\u062a\u0642\u0628\u0644 \u0645\u0627\u0644\u064a \u0622\u0645\u0646:<\/p>\n<ol>\n<li>\n<h4>\u062a\u0642\u064a\u064a\u0645 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062d\u0627\u0644\u064a<\/h4>\n<p>\u0627\u0628\u062f\u0623 \u0628\u062a\u062d\u062f\u064a\u062f \u0635\u0627\u0641\u064a \u062b\u0631\u0648\u062a\u0643 (\u0627\u0644\u0623\u0635\u0648\u0644 \u0645\u0637\u0631\u0648\u062d\u064b\u0627 \u0645\u0646\u0647\u0627 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a). \u0642\u0645 \u0628\u062d\u0635\u0631 \u062c\u0645\u064a\u0639 \u0645\u0635\u0627\u062f\u0631 \u062f\u062e\u0644\u0643 \u0648\u0646\u0641\u0642\u0627\u062a\u0643 \u0627\u0644\u0634\u0647\u0631\u064a\u0629. \u0627\u0633\u062a\u062e\u062f\u0645 \u062c\u062f\u0627\u0648\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0644\u062a\u0633\u062c\u064a\u0644 \u0643\u0644 \u0634\u064a\u0621. \u0647\u0630\u0647 \u0627\u0644\u062e\u0637\u0648\u0629 \u0636\u0631\u0648\u0631\u064a\u0629 \u0644\u0641\u0647\u0645 \u0646\u0642\u0637\u0629 \u0627\u0646\u0637\u0644\u0627\u0642\u0643.<\/p>\n<\/li>\n<li>\n<h4>\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (SMART Goals)<\/h4>\n<p>\u0645\u0627\u0630\u0627 \u062a\u0631\u064a\u062f \u0623\u0646 \u062a\u062d\u0642\u0642\u061f \u0647\u0644 \u0647\u0648 \u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626\u060c \u0645\u0642\u062f\u0645 \u0644\u0645\u0646\u0632\u0644\u060c \u0633\u062f\u0627\u062f \u062f\u064a\u0648\u0646 \u0645\u0639\u064a\u0646\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u0642\u0627\u0639\u062f\u061f \u0627\u062c\u0639\u0644 \u0623\u0647\u062f\u0627\u0641\u0643 \u0645\u062d\u062f\u062f\u0629 (Specific)\u060c \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0642\u064a\u0627\u0633 (Measurable)\u060c \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u062d\u0642\u064a\u0642 (Achievable)\u060c \u0630\u0627\u062a \u0635\u0644\u0629 (Relevant)\u060c \u0648\u0645\u062d\u062f\u062f\u0629 \u0628\u0632\u0645\u0646 (Time-bound).<\/p>\n<\/li>\n<li>\n<h4>\u0648\u0636\u0639 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u0641\u0635\u0644\u0629<\/h4>\n<p>\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062a\u0642\u064a\u064a\u0645\u0643 \u0644\u0623\u0648\u0636\u0627\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0623\u0647\u062f\u0627\u0641\u0643\u060c \u0642\u0645 \u0628\u0625\u0646\u0634\u0627\u0621 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0648\u0627\u0642\u0639\u064a\u0629. \u062e\u0635\u0635 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u062f\u062e\u0644\u0643. \u0627\u0628\u062d\u062b \u0639\u0646 \u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646\u0643 \u0641\u064a\u0647\u0627 \u062a\u0642\u0644\u064a\u0635 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0644\u0632\u064a\u0627\u062f\u0629 \u0645\u062f\u062e\u0631\u0627\u062a\u0643 \u0623\u0648 \u062a\u0633\u0631\u064a\u0639 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646. \u062a\u0630\u0643\u0631 \u0623\u0646 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0644\u064a\u0633\u062a \u0642\u064a\u062f\u064b\u0627\u060c \u0628\u0644 \u0623\u062f\u0627\u0629 \u062a\u0645\u0643\u064a\u0646.<\/p>\n<\/li>\n<li>\n<h4>\u0628\u0646\u0627\u0621 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626<\/h4>\n<p>\u0647\u0630\u0647 \u0647\u064a \u0623\u0648\u0644\u0648\u064a\u062a\u0643 \u0627\u0644\u0642\u0635\u0648\u0649. \u0627\u0628\u062f\u0623 \u0628\u062a\u0648\u0641\u064a\u0631 \u0645\u0628\u0644\u063a \u0635\u063a\u064a\u0631 (\u0645\u062b\u0644 1000 \u062f\u0648\u0644\u0627\u0631) \u0643\u0647\u062f\u0641 \u0623\u0648\u0644\u064a\u060c \u062b\u0645 \u0627\u0639\u0645\u0644 \u0639\u0644\u0649 \u0632\u064a\u0627\u062f\u062a\u0647 \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627 \u0644\u064a\u063a\u0637\u064a 3-6 \u0623\u0634\u0647\u0631 \u0645\u0646 \u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0634\u0629. \u0627\u062c\u0639\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0644\u0647\u0630\u0627 \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627.<\/p>\n<\/li>\n<li>\n<h4>\u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646 \u0630\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0639\u0627\u0644\u064a\u0629<\/h4>\n<p>\u0628\u0645\u062c\u0631\u062f \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u0623\u0633\u0627\u0633 \u0644\u0635\u0646\u062f\u0648\u0642 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\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u0648 \u0627\u0644\u062a\u0642\u0627\u0639\u062f. \u0641\u0643\u0631 \u0641\u064a <a href=\"https:\/\/jobsdz.com\/ar\/submit-resume\" target=\"_blank\" rel=\"noopener noreferrer\">\u062a\u0642\u062f\u064a\u0645 \u0633\u064a\u0631\u062a\u0643 \u0627\u0644\u0630\u0627\u062a\u064a\u0629<\/a> \u0644\u0644\u0628\u062d\u062b \u0639\u0646 \u0641\u0631\u0635 \u0639\u0645\u0644 \u0623\u0641\u0636\u0644 \u0644\u0632\u064a\u0627\u062f\u0629 \u062f\u062e\u0644\u0643 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631.<\/p>\n<\/li>\n<li>\n<h4>\u0645\u0631\u0627\u062c\u0639\u0629 \u0627\u0644\u062e\u0637\u0629 \u0648\u062a\u0639\u062f\u064a\u0644\u0647\u0627 \u0628\u0627\u0646\u062a\u0638\u0627\u0645<\/h4>\n<p>\u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a 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noreferrer\">\u0645\u0633\u062a\u0642\u0628\u0644 \u0645\u0627\u0644\u064a \u0645\u0633\u062a\u0642\u0631<\/a> \u0648\u0645\u0631\u0646.<\/p>\n<h2>\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 (FAQ)<\/h2>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u0645\u0627 \u0647\u0648 \u0623\u0641\u0636\u0644 \u0648\u0642\u062a \u0644\u0628\u062f\u0621 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a\u061f\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u0623\u0641\u0636\u0644 \u0648\u0642\u062a \u0644\u0628\u062f\u0621 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0647\u0648 \u0627\u0644\u0622\u0646! \u0643\u0644\u0645\u0627 \u0628\u062f\u0623\u062a \u0645\u0628\u0643\u0631\u064b\u0627\u060c \u0632\u0627\u062f\u062a \u0627\u0633\u062a\u0641\u0627\u062f\u062a\u0643 \u0645\u0646 \u0642\u0648\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0631\u0643\u0628\u0629 \u0648\u0648\u0641\u0631\u062a \u0648\u0642\u062a\u064b\u0627 \u0623\u0637\u0648\u0644 \u0644\u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u062b\u0631\u0648\u0629 \u0648\u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0639\u0645\u0631\u0643 \u0623\u0648 \u0645\u0633\u062a\u0648\u0649 \u062f\u062e\u0644\u0643 \u0627\u0644\u062d\u0627\u0644\u064a.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u0643\u0645 \u064a\u062c\u0628 \u0623\u0646 \u0623\u0648\u0641\u0631 \u0644\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626\u061f\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u064a\u0648\u0635\u064a \u0627\u0644\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a\u0648\u0646 \u0628\u062a\u0648\u0641\u064a\u0631 \u0645\u0627 \u064a\u0639\u0627\u062f\u0644 3 \u0625\u0644\u0649 6 \u0623\u0634\u0647\u0631 \u0645\u0646 \u0646\u0641\u0642\u0627\u062a\u0643 \u0627\u0644\u0645\u0639\u064a\u0634\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626. \u0641\u064a \u0638\u0644 \u0628\u064a\u0626\u0629 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0631\u0629\u060c \u064a\u0641\u0636\u0644 \u0627\u0644\u0628\u0639\u0636 \u062a\u0648\u0641\u064a\u0631 \u0645\u0627 \u064a\u0635\u0644 \u0625\u0644\u0649 12 \u0634\u0647\u0631\u064b\u0627.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u0643\u064a\u0641 \u064a\u0645\u0643\u0646\u0646\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u062d\u062f\u0648\u062f\u0629\u061f\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0628\u062f\u0621 \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0645\u0628\u0627\u0644\u063a \u0635\u063a\u064a\u0631\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 (ETFs) \u0623\u0648 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0637\u0644\u0628 \u0639\u0627\u062f\u0629\u064b \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631. \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 (Robo-advisors) \u062a\u062a\u064a\u062d \u0644\u0643 \u0627\u0644\u0628\u062f\u0621 \u0628\u0628\u0636\u0639\u0629 \u062f\u0648\u0644\u0627\u0631\u0627\u062a \u0641\u0642\u0637\u060c \u0645\u0639 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u0627\u0644\u0644\u0627\u0632\u0645.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u0645\u0627 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u061f\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0647\u0648 \u0648\u0636\u0639 \u0627\u0644\u0645\u0627\u0644 \u062c\u0627\u0646\u0628\u064b\u0627 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0642\u0631\u064a\u0628 \u0623\u0648 \u0644\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626\u060c \u0645\u0639 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u0627\u0644\u0623\u0645\u0627\u0646\u060c \u0648\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0643\u0648\u0646 \u0627\u0644\u0639\u0627\u0626\u062f \u0645\u0646\u062e\u0641\u0636\u064b\u0627. \u0623\u0645\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u0647\u0648 \u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0645\u0627\u0644 \u0646\u062d\u0648 \u0623\u0635\u0648\u0644 \u064a\u062a\u0648\u0642\u0639 \u0623\u0646 \u062a\u0632\u064a\u062f \u0642\u064a\u0645\u062a\u0647\u0627 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a\u060c \u0628\u0647\u062f\u0641 \u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u062b\u0631\u0648\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644\u060c \u0648\u064a\u0635\u0627\u062d\u0628\u0647 \u0645\u0633\u062a\u0648\u0649 \u0645\u0639\u064a\u0646 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629 \u0648\u0644\u0643\u0646 \u0628\u0639\u0648\u0627\u0626\u062f \u0645\u062d\u062a\u0645\u0644\u0629 \u0623\u0639\u0644\u0649.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u0647\u0644 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0636\u0631\u0648\u0631\u064a \u0644\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0627\u0644\u0634\u0628\u0627\u0628 \u0641\u0642\u0637\u061f\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0636\u0631\u0648\u0631\u064a \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0639\u0645\u0631\u0647\u0645. \u0628\u064a\u0646\u0645\u0627 \u064a\u0633\u062a\u0641\u064a\u062f \u0627\u0644\u0634\u0628\u0627\u0628 \u0645\u0646 \u0627\u0644\u0628\u062f\u0621 \u0627\u0644\u0645\u0628\u0643\u0631\u060c \u0641\u0625\u0646 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0641\u064a \u0645\u0646\u062a\u0635\u0641 \u062d\u064a\u0627\u062a\u0647\u0645 \u0627\u0644\u0645\u0647\u0646\u064a\u0629 \u064a\u0645\u0643\u0646\u0647\u0645 \u062a\u0639\u062f\u064a\u0644 \u0645\u0633\u0627\u0631\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u062a\u0643\u062b\u064a\u0641 \u062c\u0647\u0648\u062f\u0647\u0645\u060c \u0648\u0643\u0628\u0627\u0631 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u064a\u0645\u0643\u0646\u0647\u0645 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u0644\u062a\u0642\u0627\u0639\u062f \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0635\u0648\u0644.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u0643\u064a\u0641 \u064a\u0624\u062b\u0631 \u0627\u0644\u062a\u0636\u062e\u0645 \u0639\u0644\u0649 \u062e\u0637\u062a\u064a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u061f\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u0627\u0644\u062a\u0636\u062e\u0645 \u064a\u0642\u0644\u0644 \u0645\u0646 \u0627\u0644\u0642\u0648\u0629 \u0627\u0644\u0634\u0631\u0627\u0626\u064a\u0629 \u0644\u0623\u0645\u0648\u0627\u0644\u0643 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a. \u0648\u0644\u0630\u0644\u0643\u060c \u064a\u062c\u0628 \u0623\u0646 \u062a\u062a\u0636\u0645\u0646 \u062e\u0637\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u062a\u0636\u062e\u0645\u060c \u0645\u062b\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0623\u0635\u0648\u0644 \u062a\u062d\u0642\u0642 \u0639\u0648\u0627\u0626\u062f \u0623\u0639\u0644\u0649 \u0645\u0646 \u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u0636\u062e\u0645\u060c \u0623\u0648 \u062a\u0639\u062f\u064a\u0644 \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643 \u0648\u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0634\u0643\u0644 \u062f\u0648\u0631\u064a \u0644\u0645\u0648\u0627\u0643\u0628\u0629 \u0627\u0631\u062a\u0641\u0627\u0639 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0645\u0639\u064a\u0634\u0629.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u0623\u064a\u0646 \u0623\u062c\u062f \u0645\u0648\u0627\u0631\u062f \u0645\u0648\u062b\u0648\u0642\u0629 \u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0648\u0644 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a\u061f\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u0645\u0648\u062b\u0648\u0642\u0629 \u0639\u0627\u0644\u0645\u064a\u064b\u0627 \u0645\u062b\u0644 \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0644\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u0629\u060c \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0643\u0628\u0631\u0649 (\u0645\u062b\u0644 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062f\u0648\u0644\u064a \u0648\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062f\u0648\u0644\u064a)\u060c \u0627\u0644\u0645\u062f\u0648\u0646\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629\u060c \u0627\u0644\u0643\u062a\u0628 \u0627\u0644\u062a\u064a \u064a\u0643\u062a\u0628\u0647\u0627 \u062e\u0628\u0631\u0627\u0621 \u0645\u0627\u0644\u064a\u0648\u0646\u060c \u0648\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0648\u0646. \u0644\u0627 \u062a\u062a\u0631\u062f\u062f \u0641\u064a \u0632\u064a\u0627\u0631\u0629 \u0645\u062f\u0648\u0646\u0627\u062a \u0645\u062a\u062e\u0635\u0635\u0629 \u0645\u062b\u0644 <a href=\\\"https:\/\/jobsdz.com\/ar\/blog\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">\u0645\u062f\u0648\u0646\u0629 jobsdz<\/a> \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0645\u0642\u0627\u0644\u0627\u062a \u0648\u0645\u0648\u0627\u0631\u062f \u0642\u064a\u0645\u0629.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<details>\n<summary>\u0645\u0627 \u0647\u0648 \u0623\u0641\u0636\u0644 \u0648\u0642\u062a \u0644\u0628\u062f\u0621 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a\u061f<\/summary>\n<p>\u0623\u0641\u0636\u0644 \u0648\u0642\u062a \u0644\u0628\u062f\u0621 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0647\u0648 \u0627\u0644\u0622\u0646! \u0643\u0644\u0645\u0627 \u0628\u062f\u0623\u062a \u0645\u0628\u0643\u0631\u064b\u0627\u060c \u0632\u0627\u062f\u062a \u0627\u0633\u062a\u0641\u0627\u062f\u062a\u0643 \u0645\u0646 \u0642\u0648\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0631\u0643\u0628\u0629 \u0648\u0648\u0641\u0631\u062a \u0648\u0642\u062a\u064b\u0627 \u0623\u0637\u0648\u0644 \u0644\u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u062b\u0631\u0648\u0629 \u0648\u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0639\u0645\u0631\u0643 \u0623\u0648 \u0645\u0633\u062a\u0648\u0649 \u062f\u062e\u0644\u0643 \u0627\u0644\u062d\u0627\u0644\u064a.<\/p>\n<\/details>\n<details>\n<summary>\u0643\u0645 \u064a\u062c\u0628 \u0623\u0646 \u0623\u0648\u0641\u0631 \u0644\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626\u061f<\/summary>\n<p>\u064a\u0648\u0635\u064a \u0627\u0644\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a\u0648\u0646 \u0628\u062a\u0648\u0641\u064a\u0631 \u0645\u0627 \u064a\u0639\u0627\u062f\u0644 3 \u0625\u0644\u0649 6 \u0623\u0634\u0647\u0631 \u0645\u0646 \u0646\u0641\u0642\u0627\u062a\u0643 \u0627\u0644\u0645\u0639\u064a\u0634\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626. \u0641\u064a \u0638\u0644 \u0628\u064a\u0626\u0629 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0631\u0629\u060c \u064a\u0641\u0636\u0644 \u0627\u0644\u0628\u0639\u0636 \u062a\u0648\u0641\u064a\u0631 \u0645\u0627 \u064a\u0635\u0644 \u0625\u0644\u0649 12 \u0634\u0647\u0631\u064b\u0627.<\/p>\n<\/details>\n<details>\n<summary>\u0643\u064a\u0641 \u064a\u0645\u0643\u0646\u0646\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u062d\u062f\u0648\u062f\u0629\u061f<\/summary>\n<p>\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0628\u062f\u0621 \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u0645\u0628\u0627\u0644\u063a \u0635\u063a\u064a\u0631\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 (ETFs) \u0623\u0648 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0637\u0644\u0628 \u0639\u0627\u062f\u0629\u064b \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631. \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 (Robo-advisors) \u062a\u062a\u064a\u062d \u0644\u0643 \u0627\u0644\u0628\u062f\u0621 \u0628\u0628\u0636\u0639\u0629 \u062f\u0648\u0644\u0627\u0631\u0627\u062a \u0641\u0642\u0637\u060c \u0645\u0639 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u0627\u0644\u0644\u0627\u0632\u0645.<\/p>\n<\/details>\n<details>\n<summary>\u0645\u0627 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u061f<\/summary>\n<p>\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0647\u0648 \u0648\u0636\u0639 \u0627\u0644\u0645\u0627\u0644 \u062c\u0627\u0646\u0628\u064b\u0627 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0642\u0631\u064a\u0628 \u0623\u0648 \u0644\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626\u060c \u0645\u0639 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u0627\u0644\u0623\u0645\u0627\u0646\u060c \u0648\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0643\u0648\u0646 \u0627\u0644\u0639\u0627\u0626\u062f \u0645\u0646\u062e\u0641\u0636\u064b\u0627. \u0623\u0645\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u0647\u0648 \u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0645\u0627\u0644 \u0646\u062d\u0648 \u0623\u0635\u0648\u0644 \u064a\u062a\u0648\u0642\u0639 \u0623\u0646 \u062a\u0632\u064a\u062f \u0642\u064a\u0645\u062a\u0647\u0627 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a\u060c \u0628\u0647\u062f\u0641 \u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u062b\u0631\u0648\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644\u060c \u0648\u064a\u0635\u0627\u062d\u0628\u0647 \u0645\u0633\u062a\u0648\u0649 \u0645\u0639\u064a\u0646 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629 \u0648\u0644\u0643\u0646 \u0628\u0639\u0648\u0627\u0626\u062f \u0645\u062d\u062a\u0645\u0644\u0629 \u0623\u0639\u0644\u0649.<\/p>\n<\/details>\n<details>\n<summary>\u0647\u0644 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0636\u0631\u0648\u0631\u064a \u0644\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0627\u0644\u0634\u0628\u0627\u0628 \u0641\u0642\u0637\u061f<\/summary>\n<p>\u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0636\u0631\u0648\u0631\u064a \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0639\u0645\u0631\u0647\u0645. \u0628\u064a\u0646\u0645\u0627 \u064a\u0633\u062a\u0641\u064a\u062f \u0627\u0644\u0634\u0628\u0627\u0628 \u0645\u0646 \u0627\u0644\u0628\u062f\u0621 \u0627\u0644\u0645\u0628\u0643\u0631\u060c \u0641\u0625\u0646 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0641\u064a \u0645\u0646\u062a\u0635\u0641 \u062d\u064a\u0627\u062a\u0647\u0645 \u0627\u0644\u0645\u0647\u0646\u064a\u0629 \u064a\u0645\u0643\u0646\u0647\u0645 \u062a\u0639\u062f\u064a\u0644 \u0645\u0633\u0627\u0631\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u062a\u0643\u062b\u064a\u0641 \u062c\u0647\u0648\u062f\u0647\u0645\u060c \u0648\u0643\u0628\u0627\u0631 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u064a\u0645\u0643\u0646\u0647\u0645 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u0644\u062a\u0642\u0627\u0639\u062f \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0635\u0648\u0644.<\/p>\n<\/details>\n<details>\n<summary>\u0643\u064a\u0641 \u064a\u0624\u062b\u0631 \u0627\u0644\u062a\u0636\u062e\u0645 \u0639\u0644\u0649 \u062e\u0637\u062a\u064a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u061f<\/summary>\n<p>\u0627\u0644\u062a\u0636\u062e\u0645 \u064a\u0642\u0644\u0644 \u0645\u0646 \u0627\u0644\u0642\u0648\u0629 \u0627\u0644\u0634\u0631\u0627\u0626\u064a\u0629 \u0644\u0623\u0645\u0648\u0627\u0644\u0643 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a. \u0648\u0644\u0630\u0644\u0643\u060c \u064a\u062c\u0628 \u0623\u0646 \u062a\u062a\u0636\u0645\u0646 \u062e\u0637\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u062a\u0636\u062e\u0645\u060c \u0645\u062b\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0623\u0635\u0648\u0644 \u062a\u062d\u0642\u0642 \u0639\u0648\u0627\u0626\u062f \u0623\u0639\u0644\u0649 \u0645\u0646 \u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u0636\u062e\u0645\u060c \u0623\u0648 \u062a\u0639\u062f\u064a\u0644 \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643 \u0648\u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0634\u0643\u0644 \u062f\u0648\u0631\u064a \u0644\u0645\u0648\u0627\u0643\u0628\u0629 \u0627\u0631\u062a\u0641\u0627\u0639 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0645\u0639\u064a\u0634\u0629.<\/p>\n<\/details>\n<details>\n<summary>\u0623\u064a\u0646 \u0623\u062c\u062f \u0645\u0648\u0627\u0631\u062f \u0645\u0648\u062b\u0648\u0642\u0629 \u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0648\u0644 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a\u061f<\/summary>\n<p>\u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u0645\u0648\u062b\u0648\u0642\u0629 \u0639\u0627\u0644\u0645\u064a\u064b\u0627 \u0645\u062b\u0644 \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0644\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u0629\u060c \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0643\u0628\u0631\u0649 (\u0645\u062b\u0644 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062f\u0648\u0644\u064a \u0648\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062f\u0648\u0644\u064a)\u060c \u0627\u0644\u0645\u062f\u0648\u0646\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629\u060c \u0627\u0644\u0643\u062a\u0628 \u0627\u0644\u062a\u064a \u064a\u0643\u062a\u0628\u0647\u0627 \u062e\u0628\u0631\u0627\u0621 \u0645\u0627\u0644\u064a\u0648\u0646\u060c \u0648\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0648\u0646. \u0644\u0627 \u062a\u062a\u0631\u062f\u062f \u0641\u064a \u0632\u064a\u0627\u0631\u0629 \u0645\u062f\u0648\u0646\u0627\u062a \u0645\u062a\u062e\u0635\u0635\u0629 \u0645\u062b\u0644 <a href=\"https:\/\/jobsdz.com\/ar\/blog\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0645\u062f\u0648\u0646\u0629 jobsdz<\/a> \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0645\u0642\u0627\u0644\u0627\u062a \u0648\u0645\u0648\u0627\u0631\u062f \u0642\u064a\u0645\u0629.<\/p>\n<\/details>\n<h2>\u0627\u0644\u062e\u0627\u062a\u0645\u0629<\/h2>\n<p>\u0641\u064a \u0639\u0627\u0644\u0645 \u064a\u062a\u0633\u0645 \u0628\u0627\u0644\u0633\u0631\u0639\u0629 \u0648\u0639\u062f\u0645 \u0627\u0644\u064a\u0642\u064a\u0646 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u060c \u064a\u0628\u0642\u0649 <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialsector\/brief\/financial-inclusion\" target=\"_blank\" rel=\"noopener noreferrer\">\u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0644\u0645\u0648\u0638\u0641<\/a> \u0647\u0648 \u0628\u0648\u0635\u0644\u062a\u0643 \u0646\u062d\u0648 \u0627\u0644\u0623\u0645\u0627\u0646 \u0648\u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631. \u0625\u0646\u0647 \u0644\u064a\u0633 \u0645\u062c\u0631\u062f \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u062c\u0627\u0645\u062f\u0629\u060c \u0628\u0644 \u0647\u0648 \u0639\u0645\u0644\u064a\u0629 \u062f\u064a\u0646\u0627\u0645\u064a\u0643\u064a\u0629 \u0648\u0645\u0633\u062a\u0645\u0631\u0629 \u062a\u062a\u0637\u0644\u0628 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u060c \u0627\u0644\u062a\u0639\u0644\u0645\u060c \u0648\u0627\u0644\u062a\u0643\u064a\u0641 \u0645\u0639 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a. \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u0646\u0627\u0642\u0634\u0646\u0627\u0647\u0627\u060c \u0628\u062f\u0621\u064b\u0627 \u0645\u0646 \u0648\u0636\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626\u060c 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\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0628\u062f\u0621 \u0645\u0628\u0643\u0631\u064b\u0627 \u0644\u0627 \u064a\u0645\u0643\u0646 \u0627\u0644\u0645\u0628\u0627\u0644\u063a\u0629 \u0641\u064a\u0647\u0627. \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0622\u0645\u0646 \u0641\u064a \u0645\u062a\u0646\u0627\u0648\u0644 \u064a\u062f\u0643\u060c \u0648\u0644\u0643\u0646\u0647 \u064a\u062a\u0637\u0644\u0628 \u0645\u0646\u0643 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631 \u0627\u0644\u0648\u0627\u0639\u064a \u0628\u0627\u0644\u062a\u062d\u0643\u0645 \u0641\u064a \u0645\u0635\u064a\u0631\u0643 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n<p><strong>\u0644\u0627 \u062a\u0624\u062c\u0644 \u0628\u0646\u0627\u0621 \u0645\u0633\u062a\u0642\u0628\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0622\u0645\u0646. \u0627\u0628\u062f\u0623 \u0627\u0644\u064a\u0648\u0645 \u0628\u0648\u0636\u0639 \u062e\u0637\u0629 \u0639\u0645\u0644 \u0648\u0627\u0636\u062d\u0629 \u0648\u0627\u0644\u062a\u0632\u0645 \u0628\u0647\u0627 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u0631\u0627\u062d\u0629 \u0627\u0644\u0646\u0641\u0633\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u062d\u0642\u0647\u0627\u060c \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0645\u0643\u0627\u0646\u0643 \u0641\u064a \u0627\u0644\u0639\u0627\u0644\u0645.<\/strong><\/p>\n<h2>Sources<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.imf.org\/en\/Publications\/fandd\/issues\/2023\/12\/digital-financial-inclusion-IMF-report\" target=\"_blank\" rel=\"noopener noreferrer\">IMF &#8211; Finance &#038; Development: Digital Financial Inclusion (December 2023)<\/a><\/li>\n<li><a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialsector\/brief\/financial-inclusion\" target=\"_blank\" rel=\"noopener noreferrer\">World Bank &#8211; Financial Inclusion Overview<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0644\u0645\u0648\u0638\u0641: \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0644\u0628\u0646\u0627\u0621 \u0645\u0633\u062a\u0642\u0628\u0644 \u0645\u0627\u0644\u064a \u0622\u0645\u0646 \u0641\u064a \u0639\u0627\u0644\u0645 \u0645\u062a\u063a\u064a\u0631 \u0641\u064a \u062e\u0636\u0645 \u0627\u0644\u062a\u062d\u0648\u0644\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u062a\u0633\u0627\u0631\u0639\u0629 \u0627\u0644\u062a\u064a \u064a\u0634\u0647\u062f\u0647\u0627 \u0627\u0644\u0639\u0627\u0644\u0645\u060c \u0628\u062f\u0621\u064b\u0627 \u0645\u0646 \u0627\u0644\u062a\u0636\u062e\u0645 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f \u0648\u0648\u0635\u0648\u0644\u064b\u0627 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