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&#8220;\u0646\u0634\u0631\u0629 \u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628&#8221; (Prospectus)\u060c \u0648\u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0645\u0641\u0635\u0644\u0629 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0623\u064a \u0643\u064a\u0627\u0646 \u064a\u0642\u062f\u0645 \u0623\u0648\u0631\u0627\u0642\u064b\u0627 \u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u062c\u0645\u0647\u0648\u0631 \u0623\u0646 \u064a\u0635\u062f\u0631\u0647\u0627. \u062a\u062d\u062a\u0648\u064a \u0647\u0630\u0647 \u0627\u0644\u0646\u0634\u0631\u0629 \u0639\u0644\u0649 \u0643\u0644 \u0645\u0627 \u062a\u062d\u062a\u0627\u062c \u0644\u0645\u0639\u0631\u0641\u062a\u0647: \u0645\u0646 \u0647\u0645 \u0645\u062f\u064a\u0631\u0648 \u0627\u0644\u0634\u0631\u0643\u0629\u060c \u0648\u0643\u064a\u0641 \u064a\u062e\u0637\u0637\u0648\u0646 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u0645\u0648\u0627\u0644\u0643\u060c \u0648\u0645\u0627 \u0647\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0646\u0645\u0648\u0630\u062c \u0639\u0645\u0644\u0647\u0645\u060c \u0648\u062a\u0641\u0635\u064a\u0644 \u0643\u0627\u0645\u0644 \u0644\u0644\u0631\u0633\u0648\u0645. \u0642\u062f \u064a\u0643\u0648\u0646 \u062a\u062c\u0627\u0647\u0644 \u0642\u0631\u0627\u0621\u0629 \u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0623\u0645\u0631\u064b\u0627 \u0645\u063a\u0631\u064a\u064b\u0627\u060c \u0648\u0644\u0643\u0646\u0647 \u062e\u0637\u0623 \u0641\u0627\u062f\u062d. \u0625\u0646\u0647\u0627 \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 &#8220;\u0627\u0644\u0637\u0628\u0627\u0639\u0629 \u0627\u0644\u0635\u063a\u064a\u0631\u0629&#8221; \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0646\u0642\u0630 \u0645\u062f\u062e\u0631\u0627\u062a\u0643 \u0645\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0633\u064a\u0626\u0629 \u0627\u0644\u062a\u0635\u0645\u064a\u0645 \u0623\u0648 \u0645\u062d\u0641\u0648\u0641\u0629 \u0628\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0628\u0634\u0643\u0644 \u0645\u0641\u0631\u0637.<\/p>\n<blockquote>\n<p><strong>\u0646\u0635\u064a\u062d\u0629 \u062e\u0628\u064a\u0631:<\/strong> &#8220;\u0623\u0643\u0628\u0631 \u062e\u0637\u0623 \u064a\u0631\u062a\u0643\u0628\u0647 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646 \u0627\u0644\u0645\u0628\u062a\u062f\u0626\u0648\u0646 \u0647\u0648 \u0627\u0644\u062e\u0644\u0637 \u0628\u064a\u0646 \u0627\u0644\u0634\u0631\u0643\u0629 \u0648\u0645\u0646\u062a\u062c\u0627\u062a\u0647\u0627 \u0648\u0628\u064a\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0623\u0633\u0647\u0645\u0647\u0627. \u0642\u062f \u062a\u062d\u0628 \u0645\u0646\u062a\u062c\u0627\u062a \u0634\u0631\u0643\u0629 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0645\u0639\u064a\u0646\u0629\u060c \u0644\u0643\u0646 \u0647\u0630\u0627 \u0644\u0627 \u064a\u0639\u0646\u064a \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0623\u0646 \u0633\u0647\u0645\u0647\u0627 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u062c\u064a\u062f \u0628\u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u062d\u0627\u0644\u064a. \u0627\u0641\u0635\u0644 \u062f\u0627\u0626\u0645\u064b\u0627 \u0628\u064a\u0646 \u0639\u0627\u0637\u0641\u062a\u0643 \u0643\u0645\u0633\u062a\u0647\u0644\u0643 \u0648\u062a\u062d\u0644\u064a\u0644\u0643 \u0643\u0645\u0633\u062a\u062b\u0645\u0631.&#8221;<\/p>\n<\/blockquote>\n<h2>\u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 (Due Diligence): \u062f\u0631\u0639\u0643 \u0627\u0644\u0623\u0648\u0644 \u0648\u0633\u0644\u0627\u062d\u0643 \u0627\u0644\u0623\u0642\u0648\u0649<\/h2>\n<p>\u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u0647\u064a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0634\u0627\u0645\u0644 \u0627\u0644\u062a\u064a \u064a\u0642\u0648\u0645 \u0628\u0647\u0627 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631 \u0642\u0628\u0644 \u062a\u062e\u0635\u064a\u0635 \u0623\u064a \u062c\u0632\u0621 \u0645\u0646 \u0631\u0623\u0633 \u0645\u0627\u0644\u0647 \u0644\u0641\u0631\u0635\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629. \u0625\u0646\u0647\u0627 \u0644\u064a\u0633\u062a \u0645\u062c\u0631\u062f \u062e\u0637\u0648\u0629 \u0627\u062d\u062a\u0631\u0627\u0632\u064a\u0629\u060c \u0628\u0644 \u0647\u064a \u062c\u0648\u0647\u0631 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0630\u0643\u064a. \u062a\u062e\u064a\u0644 \u0623\u0646\u0643 \u062a\u0634\u062a\u0631\u064a \u0645\u0646\u0632\u0644\u0627\u064b\u061b \u0644\u0646 \u062a\u0639\u062a\u0645\u062f \u0641\u0642\u0637 \u0639\u0644\u0649 \u0648\u0639\u0648\u062f \u0627\u0644\u0628\u0627\u0626\u0639\u060c \u0628\u0644 \u0633\u062a\u0642\u0648\u0645 \u0628\u0641\u062d\u0635 \u0627\u0644\u0623\u0633\u0627\u0633\u0627\u062a\u060c \u0648\u0627\u0644\u0633\u0628\u0627\u0643\u0629\u060c \u0648\u0627\u0644\u0643\u0647\u0631\u0628\u0627\u0621. \u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u0641\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0647\u064a \u0646\u0641\u0633 \u0627\u0644\u0645\u0628\u062f\u0623\u060c \u0648\u0644\u0643\u0646 \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0645\u0627\u0644\u064a. \u062a\u062a\u0636\u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0641\u062d\u0635 \u0643\u0644 \u062c\u0627\u0646\u0628 \u0645\u0646 \u062c\u0648\u0627\u0646\u0628 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646\u0647 \u064a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0623\u0647\u062f\u0627\u0641\u0643 \u0648\u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/p>\n<h3>\u0643\u064a\u0641\u064a\u0629 \u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u0628\u0634\u0643\u0644 \u0641\u0639\u0627\u0644<\/h3>\n<p>\u062a\u0628\u062f\u0623 \u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u0628\u0627\u0644\u0628\u062d\u062b \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0648\u062a\u062a\u062f\u0631\u062c \u0644\u062a\u0634\u0645\u0644 \u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0623\u0643\u062b\u0631 \u0639\u0645\u0642\u064b\u0627. \u0625\u0644\u064a\u0643 \u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0639\u0645\u0644\u064a\u0629 \u064a\u0645\u0643\u0646\u0643 \u0627\u062a\u0628\u0627\u0639\u0647\u0627:<\/p>\n<ul>\n<li><strong>\u0641\u0647\u0645 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0639\u0645\u0644:<\/strong> \u0643\u064a\u0641 \u062a\u062c\u0646\u064a \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0645\u0627\u0644\u061f \u0645\u0627 \u0647\u0648 \u0645\u0646\u062a\u062c\u0647\u0627 \u0623\u0648 \u062e\u062f\u0645\u062a\u0647\u0627\u061f \u0645\u0646 \u0647\u0645 \u0645\u0646\u0627\u0641\u0633\u0648\u0647\u0627 \u0648\u0645\u0627 \u0647\u064a \u0645\u064a\u0632\u062a\u0647\u0627 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 (Competitive Advantage)\u061f \u0625\u0630\u0627 \u0644\u0645 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0634\u0631\u062d \u0643\u064a\u0641\u064a\u0629 \u0639\u0645\u0644 \u0627\u0644\u0634\u0631\u0643\u0629 \u0641\u064a \u062c\u0645\u0644\u0629 \u0628\u0633\u064a\u0637\u0629\u060c \u0641\u0631\u0628\u0645\u0627 \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0627\u0644\u0627\u0628\u062a\u0639\u0627\u062f \u0639\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a\u0647\u0627.<\/li>\n<li><strong>\u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0639\u0645\u064a\u0642:<\/strong> \u0647\u0630\u0627 \u0647\u0648 \u0642\u0644\u0628 \u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629. \u064a\u062a\u0637\u0644\u0628 \u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0646\u0638\u0631 \u0625\u0644\u0649 \u0645\u0627 \u0647\u0648 \u0623\u0628\u0639\u062f \u0645\u0646 \u0633\u0639\u0631 \u0627\u0644\u0633\u0647\u0645. \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0634\u0631\u0643\u0629: \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u062f\u062e\u0644\u060c \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0639\u0645\u0648\u0645\u064a\u0629\u060c \u0648\u0628\u064a\u0627\u0646 \u0627\u0644\u062a\u062f\u0641\u0642\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629. \u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u062a\u0643\u0634\u0641 \u0639\u0646 \u0627\u0644\u0635\u062d\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0644\u0644\u0634\u0631\u0643\u0629. \u0648\u0644\u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0647\u0645\u0629 \u0627\u0644\u062d\u0627\u0633\u0645\u0629\u060c \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0633\u062a\u0639\u0627\u0646\u0629 \u0628\u062f\u0644\u064a\u0644\u0646\u0627 \u0627\u0644\u0634\u0627\u0645\u0644 \u062d\u0648\u0644 <a href=\"https:\/\/jobsdz.com\/?p=28765\">\u0643\u064a\u0641\u064a\u0629 \u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062e\u0637\u0648\u0629 \u0628\u062e\u0637\u0648\u0629 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631<\/a>\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u0628\u0633\u0637 \u0647\u0630\u0647 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0645\u0639\u0642\u062f\u0629.<\/li>\n<li><strong>\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0644\u064a\u0627:<\/strong> \u0645\u0646 \u0647\u0645 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0630\u064a\u0646 \u064a\u0642\u0648\u062f\u0648\u0646 \u0627\u0644\u0634\u0631\u0643\u0629\u061f \u0645\u0627 \u0647\u064a \u062e\u0628\u0631\u062a\u0647\u0645 \u0648\u0633\u062c\u0644\u0647\u0645 \u0627\u0644\u062d\u0627\u0641\u0644\u061f \u0647\u0644 \u0644\u062f\u064a\u0647\u0645 &#8220;\u062c\u0644\u062f \u0641\u064a \u0627\u0644\u0644\u0639\u0628\u0629&#8221; (skin in the game)\u060c \u0623\u064a \u0647\u0644 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u062d\u0635\u0629 \u0643\u0628\u064a\u0631\u0629 \u0645\u0646 \u0623\u0633\u0647\u0645 \u0627\u0644\u0634\u0631\u0643\u0629\u061f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0648\u064a\u0629 \u0648\u0627\u0644\u062c\u062f\u064a\u0631\u0629 \u0628\u0627\u0644\u062b\u0642\u0629 \u0647\u064a \u0623\u062d\u062f \u0623\u0647\u0645 \u0627\u0644\u0623\u0635\u0648\u0644 \u063a\u064a\u0631 \u0627\u0644\u0645\u0644\u0645\u0648\u0633\u0629 \u0644\u0623\u064a \u0634\u0631\u0643\u0629.<\/li>\n<li><strong>\u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629:<\/strong> \u0645\u0627 \u0647\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0643\u0643\u0644\u061f \u0647\u0644 \u0647\u0646\u0627\u0643 \u0642\u0648\u0627\u0646\u064a\u0646 \u062c\u062f\u064a\u062f\u0629 \u0642\u062f \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0631\u0628\u062d\u064a\u0629 \u0627\u0644\u0634\u0631\u0643\u0629\u061f \u0647\u0644 \u0647\u0646\u0627\u0643 \u0627\u062a\u062c\u0627\u0647\u0627\u062a \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0623\u0648 \u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0642\u062f \u062a\u0639\u0637\u0644 \u0646\u0645\u0648\u0630\u062c \u0639\u0645\u0644\u0647\u0627\u061f \u0641\u0647\u0645 \u0627\u0644\u0633\u064a\u0627\u0642 \u0627\u0644\u0623\u0648\u0633\u0639 \u0623\u0645\u0631 \u0644\u0627 \u064a\u0642\u0644 \u0623\u0647\u0645\u064a\u0629 \u0639\u0646 \u0641\u0647\u0645 \u0627\u0644\u0634\u0631\u0643\u0629 \u0646\u0641\u0633\u0647\u0627.<\/li>\n<li><strong>\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062c\u062f\u0648\u0649 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629:<\/strong> \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0623\u0648 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629\u060c \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u062a\u0642\u064a\u064a\u0645 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0641\u0643\u0631\u0629 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u0637\u0628\u064a\u0642 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u064b\u0627. \u064a\u0645\u0643\u0646\u0643 \u062a\u0639\u0644\u0645 \u0627\u0644\u0645\u0646\u0647\u062c\u064a\u0627\u062a \u0627\u0644\u0635\u062d\u064a\u062d\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u0645\u0642\u0627\u0644\u0646\u0627 \u062d\u0648\u0644 <a href=\"https:\/\/jobsdz.com\/?p=28800\">\u0637\u0631\u0642 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062c\u062f\u0648\u0649 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0644\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u062f\u0644\u064a\u0644 \u0639\u0645\u0644\u064a<\/a>.<\/li>\n<\/ul>\n<h3>\u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u064a\u0646 \u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u0627\u0644\u0633\u0644\u064a\u0645\u0629 \u0648\u0627\u0644\u0633\u0637\u062d\u064a\u0629<\/h3>\n<p>\u0644\u062a\u0648\u0636\u064a\u062d \u0623\u0647\u0645\u064a\u0629 \u0647\u0630\u0647 \u0627\u0644\u0639\u0645\u0644\u064a\u0629\u060c \u0642\u0645\u0646\u0627 \u0628\u0625\u0646\u0634\u0627\u0621 \u0647\u0630\u0627 \u0627\u0644\u062c\u062f\u0648\u0644 \u0627\u0644\u0630\u064a \u064a\u0642\u0627\u0631\u0646 \u0628\u064a\u0646 \u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0630\u064a \u064a\u062a\u0628\u0639\u0647 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631 \u0627\u0644\u062d\u0643\u064a\u0645 \u0648\u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0633\u0637\u062d\u064a \u0627\u0644\u0630\u064a \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062e\u0633\u0627\u0626\u0631.<\/p>\n<table style=\"width:100%; border-collapse: collapse;\">\n<thead>\n<tr style=\"background-color:#f2f2f2;\">\n<th style=\"border: 1px solid #ddd; padding: 8px; text-align: left;\">\u0627\u0644\u0639\u0646\u0635\u0631<\/th>\n<th style=\"border: 1px solid #ddd; padding: 8px; text-align: left;\">\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631 \u0627\u0644\u062d\u0643\u064a\u0645 (\u0639\u0646\u0627\u064a\u0629 \u0648\u0627\u062c\u0628\u0629 \u0633\u0644\u064a\u0645\u0629)<\/th>\n<th style=\"border: 1px solid #ddd; padding: 8px; text-align: left;\">\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631 \u0627\u0644\u0645\u062a\u0633\u0631\u0639 (\u0639\u0646\u0627\u064a\u0629 \u0648\u0627\u062c\u0628\u0629 \u0633\u0637\u062d\u064a\u0629)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 8px;\"><strong>\u0645\u0635\u062f\u0631 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/strong><\/td>\n<td style=\"border: 1px solid #ddd; padding: 8px;\">\u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0627\u0644\u0631\u0633\u0645\u064a\u0629\u060c \u0645\u0644\u0641\u0627\u062a \u0627\u0644\u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629\u060c \u0648\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0645\u0633\u062a\u0642\u0644\u0629.<\/td>\n<td style=\"border: 1px solid #ddd; padding: 8px;\">\u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0646\u0635\u0627\u0626\u062d \u0627\u0644\u0623\u0635\u062f\u0642\u0627\u0621\u060c \u0645\u0646\u0634\u0648\u0631\u0627\u062a \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u060c \u0648\u0639\u0646\u0627\u0648\u064a\u0646 \u0627\u0644\u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0645\u062b\u064a\u0631\u0629.<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 8px;\"><strong>\u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0645\u0627\u0644\u064a<\/strong><\/td>\n<td style=\"border: 1px solid #ddd; padding: 8px;\">\u064a\u062d\u0644\u0644 \u0646\u0633\u0628 \u0627\u0644\u062f\u064a\u0646\u060c \u0647\u0648\u0627\u0645\u0634 \u0627\u0644\u0631\u0628\u062d\u060c \u0648\u0627\u0644\u062a\u062f\u0641\u0642 \u0627\u0644\u0646\u0642\u062f\u064a \u0627\u0644\u062d\u0631 \u0639\u0644\u0649 \u0645\u062f\u0649 \u0639\u062f\u0629 \u0633\u0646\u0648\u0627\u062a.<\/td>\n<td style=\"border: 1px solid #ddd; padding: 8px;\">\u064a\u0646\u0638\u0631 \u0641\u0642\u0637 \u0625\u0644\u0649 \u0627\u0644\u0631\u0633\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a \u0644\u0633\u0639\u0631 \u0627\u0644\u0633\u0647\u0645 \u062e\u0644\u0627\u0644 \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u0642\u0644\u064a\u0644\u0629 \u0627\u0644\u0645\u0627\u0636\u064a\u0629.<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 8px;\"><strong>\u0641\u0647\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/strong><\/td>\n<td style=\"border: 1px solid #ddd; padding: 8px;\">\u064a\u0642\u0631\u0623 \u0642\u0633\u0645 &#8220;\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062e\u0637\u0631&#8221; \u0641\u064a \u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0633\u0646\u0648\u064a \u0628\u0639\u0646\u0627\u064a\u0629 \u0644\u0641\u0647\u0645 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a.<\/td>\n<td style=\"border: 1px solid #ddd; padding: 8px;\">\u064a\u062a\u062c\u0627\u0647\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0648\u064a\u0631\u0643\u0632 \u0641\u0642\u0637 \u0639\u0644\u0649 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u062a\u062d\u0642\u064a\u0642 \u0639\u0648\u0627\u0626\u062f \u0633\u0631\u064a\u0639\u0629.<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 8px;\"><strong>\u0627\u0644\u062a\u0642\u064a\u064a\u0645<\/strong><\/td>\n<td style=\"border: 1px solid #ddd; padding: 8px;\">\u064a\u0642\u0627\u0631\u0646 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0634\u0631\u0643\u0629 (\u0645\u062b\u0644 \u0646\u0633\u0628\u0629 \u0627\u0644\u0633\u0639\u0631 \u0625\u0644\u0649 \u0627\u0644\u0623\u0631\u0628\u0627\u062d) \u0645\u0639 \u0645\u0646\u0627\u0641\u0633\u064a\u0647\u0627 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a.<\/td>\n<td style=\"border: 1px solid #ddd; padding: 8px;\">\u064a\u0634\u062a\u0631\u064a \u0627\u0644\u0633\u0647\u0645 \u0644\u0623\u0646\u0647 &#8220;\u064a\u0628\u062f\u0648 \u0631\u062e\u064a\u0635\u064b\u0627&#8221; \u0628\u0639\u062f \u0627\u0646\u062e\u0641\u0627\u0636 \u062d\u062f\u064a\u062b \u062f\u0648\u0646 \u0641\u0647\u0645 \u0627\u0644\u0633\u0628\u0628.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\u062f\u0648\u0631 \u0627\u0644\u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0641\u064a \u062d\u0645\u0627\u064a\u062a\u0643<\/h2>\n<p>\u0642\u062f \u062a\u0634\u0639\u0631 \u0643\u0645\u0633\u062a\u062b\u0645\u0631 \u0641\u0631\u062f\u064a \u0623\u0646\u0643 \u0648\u062d\u064a\u062f \u0641\u064a \u0645\u0648\u0627\u062c\u0647\u0629 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0642\u0629 \u0648\u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0645\u0639\u0642\u062f\u0629\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u062d\u0642\u064a\u0642\u0629 \u0647\u064a \u0623\u0646 \u0647\u0646\u0627\u0643 \u0634\u0628\u0643\u0629 \u0639\u0627\u0644\u0645\u064a\u0629 \u0645\u0646 \u0627\u0644\u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0639\u0645\u0644 \u0643\u062d\u0627\u0631\u0633 \u0644\u0643. \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u0638\u0645\u0627\u062a \u062a\u0636\u0639 \u0627\u0644\u0642\u0648\u0627\u0639\u062f\u060c \u062a\u0641\u0631\u0636 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644\u060c \u0648\u062a\u0639\u0627\u0642\u0628 \u0627\u0644\u0645\u062e\u0627\u0644\u0641\u064a\u0646 \u0644\u0636\u0645\u0627\u0646 \u0628\u0642\u0627\u0621 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0639\u0627\u062f\u0644\u0629 \u0648\u0645\u0646\u0638\u0645\u0629 \u0648\u0634\u0641\u0627\u0641\u0629. \u0641\u0647\u0645 \u062f\u0648\u0631 \u0647\u0630\u0647 \u0627\u0644\u0647\u064a\u0626\u0627\u062a \u064a\u0645\u0646\u062d\u0643 \u0627\u0644\u062b\u0642\u0629 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u064a\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u0645\u0639\u0631\u0641\u0629 \u0625\u0644\u0649 \u0623\u064a\u0646 \u062a\u062a\u062c\u0647 \u0641\u064a \u062d\u0627\u0644\u0629 \u0648\u062c\u0648\u062f \u0645\u0634\u0627\u0643\u0644.<\/p>\n<h3>\u0623\u0628\u0631\u0632 \u0627\u0644\u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u062f\u0648\u0631\u0647\u0627<\/h3>\n<p>\u0639\u0644\u0649 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\u0627\u0644\u062e\u0633\u0627\u0631\u0629.<\/p>\n<h3>\u0643\u064a\u0641 \u062a\u0628\u0646\u064a \u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0646\u0648\u0639\u0629\u061f<\/h3>\n<p>\u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u0627\u0644\u062d\u0642\u064a\u0642\u064a \u064a\u062a\u062c\u0627\u0648\u0632 \u0645\u062c\u0631\u062f \u0627\u0645\u062a\u0644\u0627\u0643 \u0623\u0633\u0647\u0645 \u0641\u064a 20 \u0634\u0631\u0643\u0629 \u0645\u062e\u062a\u0644\u0641\u0629. \u064a\u062c\u0628 \u0623\u0646 \u064a\u0634\u0645\u0644 \u0641\u0626\u0627\u062a \u0623\u0635\u0648\u0644 \u0645\u062a\u0646\u0648\u0639\u0629:<\/p>\n<ul>\n<li><strong>\u0627\u0644\u0623\u0633\u0647\u0645 (Equities):<\/strong> \u062a\u0645\u062b\u0644 \u0645\u0644\u0643\u064a\u0629 \u0641\u064a \u0634\u0631\u0643\u0629. \u062a\u0648\u0641\u0631 \u0625\u0645\u0643\u0627\u0646\u0627\u062a \u0646\u0645\u0648 \u0639\u0627\u0644\u064a\u0629 \u0648\u0644\u0643\u0646\u0647\u0627 \u062a\u0623\u062a\u064a \u0645\u0639 \u062a\u0642\u0644\u0628\u0627\u062a \u0623\u0639\u0644\u0649. \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u062f\u0627\u062e\u0644 \u0627\u0644\u0623\u0633\u0647\u0645 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0642\u0637\u0627\u0639\u0627\u062a \u0645\u062e\u062a\u0644\u0641\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0631\u0639\u0627\u064a\u0629 \u0635\u062d\u064a\u0629\u060c \u0635\u0646\u0627\u0639\u0629) \u0648\u0634\u0631\u0643\u0627\u062a \u0628\u0623\u062d\u062c\u0627\u0645 \u0645\u062e\u062a\u0644\u0641\u0629 (\u0643\u0628\u064a\u0631\u0629\u060c \u0645\u062a\u0648\u0633\u0637\u0629\u060c \u0635\u063a\u064a\u0631\u0629).<\/li>\n<li><strong>\u0627\u0644\u0633\u0646\u062f\u0627\u062a (Bonds):<\/strong> \u062a\u0645\u062b\u0644 \u0642\u0631\u0636\u064b\u0627 \u062a\u0642\u062f\u0645\u0647 \u0644\u0634\u0631\u0643\u0629 \u0623\u0648 \u062d\u0643\u0648\u0645\u0629 \u0645\u0642\u0627\u0628\u0644 \u062f\u0641\u0639\u0627\u062a \u0641\u0627\u0626\u062f\u0629 \u0645\u0646\u062a\u0638\u0645\u0629. \u062a\u0639\u062a\u0628\u0631 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645 \u0623\u0642\u0644 \u062e\u0637\u0648\u0631\u0629 \u0645\u0646 \u0627\u0644\u0623\u0633\u0647\u0645 \u0648\u062a\u0648\u0641\u0631 \u062f\u062e\u0644\u0627\u064b \u062b\u0627\u0628\u062a\u064b\u0627\u060c \u0645\u0645\u0627 \u064a\u0648\u0627\u0632\u0646 \u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u0623\u0633\u0647\u0645 \u0641\u064a \u0645\u062d\u0641\u0638\u062a\u0643.<\/li>\n<li><strong>\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a (Real Estate):<\/strong> \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0648\u0641\u0631 \u062a\u062f\u0641\u0642\u064b\u0627 \u0646\u0642\u062f\u064a\u064b\u0627 \u0645\u0646 \u0627\u0644\u0625\u064a\u062c\u0627\u0631\u0627\u062a \u0648\u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0631\u062a\u0641\u0627\u0639 \u0642\u064a\u0645\u0629 \u0627\u0644\u0623\u0635\u0644. \u064a\u0645\u0643\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a\u0647\u0627 \u0645\u0628\u0627\u0634\u0631\u0629 \u0623\u0648 \u0645\u0646 \u062e\u0644\u0627\u0644 \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><strong>\u0627\u0644\u0633\u0644\u0639 (Commodities):<\/strong> \u0645\u062b\u0644 \u0627\u0644\u0630\u0647\u0628 \u0648\u0627\u0644\u0646\u0641\u0637. \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u062a\u062d\u0631\u0643 \u0623\u0633\u0639\u0627\u0631\u0647\u0627 \u0628\u0634\u0643\u0644 \u0645\u0639\u0627\u0643\u0633 \u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u0623\u062f\u0627\u0629 \u062a\u0646\u0648\u064a\u0639 \u062c\u064a\u062f\u0629.<\/li>\n<li><strong>\u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0628\u062f\u064a\u0644\u0629 (Alternatives):<\/strong> \u0647\u0630\u0647 \u0641\u0626\u0629 \u0648\u0627\u0633\u0639\u0629 \u062a\u0634\u0645\u0644 \u0643\u0644 \u0634\u064a\u0621 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0631\u0629 \u0625\u0644\u0649 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0637. \u0647\u0630\u0647 \u0627\u0644\u0623\u0635\u0648\u0644 \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0643\u0648\u0646 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u063a\u064a\u0631 \u0645\u0646\u0638\u0645\u0629\u060c \u0648\u062a\u062a\u0637\u0644\u0628 \u0641\u0647\u0645\u064b\u0627 \u0639\u0645\u064a\u0642\u064b\u0627. \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0642\u0628\u0644 \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u0642\u0631\u0627\u0621\u0629 \u062f\u0644\u064a\u0644 \u0645\u0641\u0635\u0644 \u0645\u062b\u0644 <a href=\"https:\/\/jobsdz.com\/?p=27672\">\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0631\u0629 \u0628\u0646\u062c\u0627\u062d<\/a> \u0644\u0641\u0647\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0641\u0631\u064a\u062f\u0629 \u0648\u0627\u0644\u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u0634\u062f\u064a\u062f\u0629 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0647\u0627.<\/li>\n<\/ul>\n<p>\u0625\u0646 \u0628\u0646\u0627\u0621 \u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0628\u0634\u0643\u0644 \u0635\u062d\u064a\u062d \u064a\u062a\u0637\u0644\u0628 \u062a\u0642\u064a\u064a\u0645\u064b\u0627 \u0645\u0633\u062a\u0645\u0631\u064b\u0627 \u0644\u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631. \u0645\u0627 \u064a\u0635\u0644\u062d \u0644\u0634\u0627\u0628 \u0641\u064a \u0627\u0644\u0639\u0634\u0631\u064a\u0646\u064a\u0627\u062a \u0645\u0646 \u0639\u0645\u0631\u0647 \u0642\u062f \u0644\u0627 \u064a\u0643\u0648\u0646 \u0645\u0646\u0627\u0633\u0628\u064b\u0627 \u0644\u0634\u062e\u0635 \u064a\u0642\u062a\u0631\u0628 \u0645\u0646 \u0633\u0646 \u0627\u0644\u062a\u0642\u0627\u0639\u062f.<\/p>\n<h2>\u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u062a\u062c\u0646\u0628\u0647\u0627<\/h2>\n<p>\u0644\u0633\u0648\u0621 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\u0627\u0644\u0645\u0634\u0627\u0639\u0631 \u0627\u0644\u0625\u0646\u0633\u0627\u0646\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u062c\u0634\u0639 \u0648\u0627\u0644\u062e\u0648\u0641 \u0648\u0627\u0644\u062c\u0647\u0644.<\/p>\n<h3>\u0623\u0634\u0647\u0631 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a (Red Flags)<\/h3>\n<ul>\n<li><strong>\u0648\u0639\u0648\u062f \u0628\u0639\u0648\u0627\u0626\u062f \u0645\u0636\u0645\u0648\u0646\u0629 \u0648\u0639\u0627\u0644\u064a\u0629 \u0628\u0634\u0643\u0644 \u063a\u064a\u0631 \u0648\u0627\u0642\u0639\u064a:<\/strong> \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u062f\u0627\u0626\u0645\u064b\u0627 \u064a\u0646\u0637\u0648\u064a \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631. \u0623\u064a \u0634\u062e\u0635 \u064a\u0639\u062f\u0643 \u0628\u0639\u0648\u0627\u0626\u062f &#8220;\u0645\u0636\u0645\u0648\u0646\u0629&#8221; \u0623\u0648 \u0623\u0639\u0644\u0649 \u0628\u0643\u062b\u064a\u0631 \u0645\u0646 \u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0633\u0648\u0642 \u0647\u0648 \u0639\u0644\u0649 \u0627\u0644\u0623\u0631\u062c\u062d \u0645\u062d\u062a\u0627\u0644. \u0644\u0627 \u064a\u0648\u062c\u062f \u0634\u064a\u0621 \u0627\u0633\u0645\u0647 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u062e\u0627\u0644\u064d \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0628\u0639\u0627\u0626\u062f 20%.<\/li>\n<li><strong>\u0627\u0644\u0636\u063a\u0637 \u0644\u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631 \u0641\u0648\u0631\u064a:<\/strong> \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u062e\u0644\u0642 \u0627\u0644\u0645\u062d\u062a\u0627\u0644\u0648\u0646 \u0625\u062d\u0633\u0627\u0633\u064b\u0627 \u0632\u0627\u0626\u0641\u064b\u0627 \u0628\u0627\u0644\u0625\u0644\u062d\u0627\u062d\u060c \u0645\u062f\u0639\u064a\u0646 \u0623\u0646 &#8220;\u0627\u0644\u0641\u0631\u0635\u0629 \u0633\u062a\u0636\u064a\u0639&#8221; \u0625\u0630\u0627 \u0644\u0645 \u062a\u0633\u062a\u062b\u0645\u0631 \u0627\u0644\u0622\u0646. \u0647\u0630\u0627 \u062a\u0643\u062a\u064a\u0643 \u0644\u0645\u0646\u0639\u0643 \u0645\u0646 \u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629. \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646 \u0627\u0644\u062d\u0643\u064a\u0645\u0648\u0646 \u0644\u0627 \u064a\u062a\u062e\u0630\u0648\u0646 \u0642\u0631\u0627\u0631\u0627\u062a \u0645\u062a\u0633\u0631\u0639\u0629.<\/li>\n<li><strong>\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0633\u0631\u064a\u0629 \u0623\u0648 \u0645\u0639\u0642\u062f\u0629 \u0644\u0644\u063a\u0627\u064a\u0629:<\/strong> \u0625\u0630\u0627 \u0644\u0645 \u064a\u062a\u0645\u0643\u0646 &#8220;\u0627\u0644\u0645\u0633\u062a\u0634\u0627\u0631&#8221; \u0645\u0646 \u0634\u0631\u062d \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u062a\u0647 \u0628\u0639\u0628\u0627\u0631\u0627\u062a \u0648\u0627\u0636\u062d\u0629 \u0648\u0645\u0641\u0647\u0648\u0645\u0629\u060c \u0641\u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646\u0647 \u064a\u062e\u0641\u064a \u0634\u064a\u0626\u064b\u0627 \u0645\u0627. \u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0647\u064a \u0639\u0644\u0627\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0639\u064a\u0629\u060c \u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0627\u0644\u063a\u0645\u0648\u0636 \u0647\u0648 \u0639\u0644\u0627\u0645\u0629 \u062d\u0645\u0631\u0627\u0621 \u0643\u0628\u064a\u0631\u0629.<\/li>\n<li><strong>\u0645\u0634\u0627\u0643\u0644 \u0641\u064a \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0623\u0648 \u063a\u064a\u0627\u0628\u0647\u0627:<\/strong> \u0623\u064a \u0641\u0631\u0635\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0634\u0631\u0639\u064a\u0629 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0635\u062d\u0648\u0628\u0629 \u0628\u0648\u062b\u0627\u0626\u0642 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0627\u0636\u062d\u0629\u060c \u0645\u062b\u0644 \u0646\u0634\u0631\u0629 \u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628 \u0623\u0648 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u062e\u0627\u0635\u0629. \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u063a\u064a\u0631 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629\u060c \u0645\u0644\u064a\u0626\u0629 \u0628\u0627\u0644\u0623\u062e\u0637\u0627\u0621\u060c \u0623\u0648 \u063a\u064a\u0631 \u0645\u0648\u062c\u0648\u062f\u0629\u060c \u0641\u0647\u0630\u0627 \u062a\u062d\u0630\u064a\u0631 \u062e\u0637\u064a\u0631.<\/li>\n<li><strong>\u0635\u0639\u0648\u0628\u0629 \u0633\u062d\u0628 \u0627\u0644\u0623\u0645\u0648\u0627\u0644:<\/strong> \u0641\u064a \u0645\u062e\u0637\u0637\u0627\u062a \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u060c \u064a\u0643\u0648\u0646 \u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0633\u0647\u0644\u0627\u064b \u0644\u0644\u063a\u0627\u064a\u0629\u060c \u0648\u0644\u0643\u0646 \u0639\u0646\u062f\u0645\u0627 \u062a\u062d\u0627\u0648\u0644 \u0633\u062d\u0628 \u0623\u0631\u0628\u0627\u062d\u0643 \u0623\u0648 \u0631\u0623\u0633 \u0645\u0627\u0644\u0643\u060c \u062a\u0638\u0647\u0631 \u0627\u0644\u0623\u0639\u0630\u0627\u0631 \u0648\u0627\u0644\u062a\u0623\u062e\u064a\u0631\u0627\u062a. \u0642\u0628\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u0627\u0633\u0623\u0644 \u062f\u0627\u0626\u0645\u064b\u0627 \u0639\u0646 \u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u0633\u062d\u0628 \u0648\u0627\u062e\u062a\u0628\u0631\u0647\u0627 \u0628\u0645\u0628\u0644\u063a \u0635\u063a\u064a\u0631 \u0625\u0630\u0627 \u0623\u0645\u0643\u0646.<\/li>\n<\/ul>\n<p>\u0627\u0644\u062b\u0642\u0629 \u0628\u062d\u062f\u0633\u0643 \u0623\u0645\u0631 \u0645\u0647\u0645. \u0625\u0630\u0627 \u0643\u0627\u0646 \u0647\u0646\u0627\u0643 \u0634\u064a\u0621 \u064a\u0628\u062f\u0648 \u0623\u0641\u0636\u0644 \u0645\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u062d\u0642\u064a\u0642\u064a\u064b\u0627\u060c \u0641\u0639\u0627\u062f\u0629 \u0645\u0627 \u064a\u0643\u0648\u0646 \u0643\u0630\u0644\u0643. \u0645\u0646 \u0627\u0644\u0623\u0641\u0636\u0644 \u0623\u0646 \u062a\u0641\u0648\u062a \u0641\u0631\u0635\u0629 \u0634\u0631\u0639\u064a\u0629 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0623\u0646 \u062a\u0642\u0639 \u0636\u062d\u064a\u0629 \u0644\u0639\u0645\u0644\u064a\u0629 \u0627\u062d\u062a\u064a\u0627\u0644 \u062a\u0643\u0644\u0641\u0643 \u0645\u062f\u062e\u0631\u0627\u062a \u062d\u064a\u0627\u062a\u0643.<\/p>\n<h2>\u062e\u0637\u0648\u0627\u062a \u0639\u0645\u0644\u064a\u0629 \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643 (Actionable Steps)<\/h2>\n<p>\u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0644\u0627 \u0642\u064a\u0645\u0629 \u0644\u0647\u0627 \u0628\u062f\u0648\u0646 \u062a\u0637\u0628\u064a\u0642 \u0639\u0645\u0644\u064a. \u0625\u0644\u064a\u0643 \u0642\u0627\u0626\u0645\u0629 \u0645\u0631\u062c\u0639\u064a\u0629 \u0628\u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0628\u062f\u0621 \u0641\u064a \u0627\u062a\u062e\u0627\u0630\u0647\u0627 \u0627\u0644\u064a\u0648\u0645 \u0644\u062a\u0639\u0632\u064a\u0632 \u0623\u0645\u0627\u0646 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643:<\/p>\n<ol>\n<li><strong>\u062d\u062f\u062f \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631:<\/strong> \u0642\u0628\u0644 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u064a \u0645\u0628\u0644\u063a\u060c \u0643\u0646 \u0648\u0627\u0636\u062d\u064b\u0627 \u0628\u0634\u0623\u0646 \u0645\u0627 \u062a\u062f\u062e\u0631 \u0645\u0646 \u0623\u062c\u0644\u0647 (\u0627\u0644\u062a\u0642\u0627\u0639\u062f\u060c \u0634\u0631\u0627\u0621 \u0645\u0646\u0632\u0644\u060c \u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0623\u0628\u0646\u0627\u0621) \u0648\u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0632\u0645\u0646\u064a. \u0643\u0646 \u0635\u0627\u062f\u0642\u064b\u0627 \u0645\u0639 \u0646\u0641\u0633\u0643 \u0628\u0634\u0623\u0646 \u0645\u062f\u0649 \u062a\u0642\u0628\u0644\u0643 \u0644\u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u0633\u0648\u0642.<\/li>\n<li><strong>\u0627\u0628\u062d\u062b \u0639\u0646 \u0645\u0633\u062a\u0634\u0627\u0631 \u0645\u0627\u0644\u064a \u0645\u0624\u0647\u0644 \u0648\u064a\u0639\u0645\u0644 \u0628\u0648\u0627\u062c\u0628 \u0627\u0626\u062a\u0645\u0627\u0646\u064a:<\/strong> \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0645\u0633\u0627\u0639\u062f\u0629\u060c \u0641\u0627\u062e\u062a\u0631 \u0645\u062d\u062a\u0631\u0641\u064b\u0627 \u0645\u0639\u062a\u0645\u062f\u064b\u0627. \u062a\u062d\u0642\u0642 \u0645\u0646 \u0623\u0648\u0631\u0627\u0642 \u0627\u0639\u062a\u0645\u0627\u062f\u0647 \u0648\u0633\u062c\u0644\u0647\u060c \u0648\u0627\u0644\u0623\u0647\u0645 \u0645\u0646 \u0630\u0644\u0643\u060c \u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646\u0647 \u0645\u0644\u0632\u0645 \u0642\u0627\u0646\u0648\u0646\u064b\u0627 \u0628\u0648\u0636\u0639 \u0645\u0635\u0627\u0644\u062d\u0643 \u0623\u0648\u0644\u0627\u064b. \u0642\u062f \u062a\u0643\u0648\u0646 \u0645\u0647\u0646\u0629 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0633\u0627\u0631\u064b\u0627 \u0648\u0638\u064a\u0641\u064a\u064b\u0627 \u0644\u0643\u060c \u0648\u064a\u0645\u0643\u0646\u0643 \u0627\u0643\u062a\u0634\u0627\u0641 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646\u0647\u0627 \u0648\u0639\u0646 \u0648\u0638\u0627\u0626\u0641 \u0645\u0645\u0627\u062b\u0644\u0629 \u0639\u0644\u0649 \u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062a\u0648\u0638\u064a\u0641 \u0645\u062b\u0644 <a href=\"https:\/\/jobsdz.com\/ar\/wadifa\">jobsdz<\/a>.<\/li>\n<li><strong>\u0627\u0628\u062f\u0623 \u0628\u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u0627\u0644\u0622\u0646:<\/strong> \u0627\u062e\u062a\u0631 \u0634\u0631\u0643\u0629 \u0648\u0627\u062d\u062f\u0629 \u062a\u062b\u064a\u0631 \u0627\u0647\u062a\u0645\u0627\u0645\u0643 \u0648\u0627\u0628\u062f\u0623 \u0641\u064a \u062a\u0637\u0628\u064a\u0642 \u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629. \u0642\u0645 \u0628\u062a\u0646\u0632\u064a\u0644 \u062a\u0642\u0631\u064a\u0631\u0647\u0627 \u0627\u0644\u0633\u0646\u0648\u064a\u060c \u062d\u0627\u0648\u0644 \u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0627\u0643\u062a\u0628 \u0645\u0644\u062e\u0635\u064b\u0627 \u0644\u0646\u0645\u0648\u0630\u062c \u0639\u0645\u0644\u0647\u0627. \u0647\u0630\u0647 \u0627\u0644\u0645\u0645\u0627\u0631\u0633\u0629 \u0633\u062a\u0628\u0646\u064a \u0645\u0647\u0627\u0631\u0627\u062a\u0643 \u0648\u062b\u0642\u062a\u0643 \u0628\u0646\u0641\u0633\u0643.<\/li>\n<li><strong>\u0642\u0645 \u0628\u0628\u0646\u0627\u0621 \u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0628\u0628\u0637\u0621:<\/strong> \u0644\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0634\u0631\u0627\u0621 \u0643\u0644 \u0634\u064a\u0621 \u062f\u0641\u0639\u0629 \u0648\u0627\u062d\u062f\u0629. \u0627\u0628\u062f\u0623 \u0628\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0645\u0646\u062e\u0641\u0636\u0629 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 (Index Funds) \u0627\u0644\u062a\u064a \u062a\u0648\u0641\u0631 \u062a\u0646\u0648\u064a\u0639\u064b\u0627 \u0641\u0648\u0631\u064a\u064b\u0627 \u0639\u0628\u0631 \u0645\u0626\u0627\u062a \u0623\u0648 \u0622\u0644\u0627\u0641 \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u062b\u0645 \u0623\u0636\u0641 \u0641\u0626\u0627\u062a \u0623\u0635\u0648\u0644 \u0623\u062e\u0631\u0649 \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627 \u0645\u0639 \u0632\u064a\u0627\u062f\u0629 \u0645\u0639\u0631\u0641\u062a\u0643.<\/li>\n<li><strong>\u0623\u062a\u0645\u062a\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643:<\/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\u062a\u0638\u0645\u0629 \u0645\u0646 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062c\u0627\u0631\u064a \u0625\u0644\u0649 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a. \u0647\u0630\u0627 \u064a\u0637\u0628\u0642 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 &#8220;\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0628\u0627\u0644\u062f\u0648\u0644\u0627\u0631&#8221; (Dollar-Cost Averaging)\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0632\u064a\u0644 \u0627\u0644\u0639\u0627\u0637\u0641\u0629 \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u062a\u0636\u0645\u0646 \u0623\u0646\u0643 \u062a\u0634\u062a\u0631\u064a \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u0633\u0648\u0642.<\/li>\n<li><strong>\u0631\u0627\u062c\u0639 \u0645\u062d\u0641\u0638\u062a\u0643 \u0628\u0627\u0646\u062a\u0638\u0627\u0645 \u0648\u0644\u0643\u0646 \u0644\u064a\u0633 \u0628\u0634\u0643\u0644 \u064a\u0648\u0645\u064a:<\/strong> \u0645\u0646 \u0627\u0644\u062c\u064a\u062f \u0645\u0631\u0627\u062c\u0639\u0629 \u0645\u062d\u0641\u0638\u062a\u0643 \u0645\u0631\u0629 \u0623\u0648 \u0645\u0631\u062a\u064a\u0646 \u0641\u064a \u0627\u0644\u0633\u0646\u0629 \u0644\u0625\u0639\u0627\u062f\u0629 \u062a\u0648\u0627\u0632\u0646\u0647\u0627 \u0648\u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646\u0647\u0627 \u0644\u0627 \u062a\u0632\u0627\u0644 \u062a\u062a\u0645\u0627\u0634\u0649 \u0645\u0639 \u0623\u0647\u062f\u0627\u0641\u0643. \u062a\u062c\u0646\u0628 \u0627\u0644\u0646\u0638\u0631 \u0625\u0644\u0649 \u0623\u062f\u0627\u0626\u0647\u0627 \u0627\u0644\u064a\u0648\u0645\u064a\u060c \u0641\u0647\u0630\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0642\u0631\u0627\u0631\u0627\u062a \u0639\u0627\u0637\u0641\u064a\u0629 \u0648\u063a\u064a\u0631 \u062d\u0643\u064a\u0645\u0629.<\/li>\n<li><strong>\u0627\u0633\u062a\u0645\u0631 \u0641\u064a \u0627\u0644\u062a\u0639\u0644\u0645:<\/strong> \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062a\u062a\u0637\u0648\u0631 \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631. \u062e\u0635\u0635 \u0648\u0642\u062a\u064b\u0627 \u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0643\u062a\u0628 \u0648\u0627\u0644\u0645\u0642\u0627\u0644\u0627\u062a \u0627\u0644\u0645\u0648\u062b\u0648\u0642\u0629. \u064a\u0645\u0643\u0646\u0643 \u0645\u062a\u0627\u0628\u0639\u0629 \u0645\u062f\u0648\u0646\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0645\u0631\u0645\u0648\u0642\u0629\u060c \u0645\u062b\u0644 <a href=\"https:\/\/jobsdz.com\/ar\/blog\/\">\u0645\u062f\u0648\u0646\u062a\u0646\u0627<\/a>\u060c \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0631\u0624\u0649 \u0645\u062d\u062f\u062b\u0629 \u0648\u0646\u0635\u0627\u0626\u062d \u0645\u0647\u0646\u064a\u0629 \u0642\u064a\u0645\u0629.<\/li>\n<\/ol>\n<h2>\u0623\u062e\u0637\u0627\u0621 \u0634\u0627\u0626\u0639\u0629 \u064a\u062c\u0628 \u062a\u062c\u0646\u0628\u0647\u0627<\/h2>\n<p>\u0641\u064a \u0631\u062d\u0644\u062a\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629\u060c \u0645\u0639\u0631\u0641\u0629 \u0645\u0627 \u0644\u0627 \u064a\u062c\u0628 \u0641\u0639\u0644\u0647 \u0644\u0627 \u064a\u0642\u0644 \u0623\u0647\u0645\u064a\u0629 \u0639\u0646 \u0645\u0639\u0631\u0641\u0629 \u0645\u0627 \u064a\u062c\u0628 \u0641\u0639\u0644\u0647. \u062a\u062c\u0646\u0628 \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0633\u064a\u0648\u0641\u0631 \u0639\u0644\u064a\u0643 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0648\u062a\u0631:<\/p>\n<ul>\n<li><strong>\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0627\u0637\u0641\u064a:<\/strong> \u0627\u0644\u0634\u0631\u0627\u0621 \u0628\u062f\u0627\u0641\u0639 \u0627\u0644\u062c\u0634\u0639 \u0639\u0646\u062f\u0645\u0627 \u064a\u0631\u062a\u0641\u0639 \u0627\u0644\u0633\u0648\u0642 (FOMO &#8211; Fear Of Missing Out) \u0648\u0627\u0644\u0628\u064a\u0639 \u0628\u062f\u0627\u0641\u0639 \u0627\u0644\u062e\u0648\u0641 \u0639\u0646\u062f\u0645\u0627 \u064a\u0646\u062e\u0641\u0636 \u0627\u0644\u0633\u0648\u0642 \u0647\u0648 \u0623\u0633\u0631\u0639 \u0637\u0631\u064a\u0642 \u0644\u062a\u062f\u0645\u064a\u0631 \u0627\u0644\u062b\u0631\u0648\u0629. \u0636\u0639 \u062e\u0637\u0629 \u0648\u0627\u0644\u062a\u0632\u0645 \u0628\u0647\u0627.<\/li>\n<li><strong>\u0645\u062d\u0627\u0648\u0644\u0629 \u062a\u0648\u0642\u064a\u062a \u0627\u0644\u0633\u0648\u0642 (Market Timing):<\/strong> \u062d\u062a\u0649 \u0627\u0644\u0645\u062d\u062a\u0631\u0641\u0648\u0646 \u0627\u0644\u0645\u062a\u0645\u0631\u0633\u0648\u0646 \u064a\u0641\u0634\u0644\u0648\u0646 \u0641\u064a \u062a\u0648\u0642\u0639 \u062a\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u0633\u0648\u0642 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0642\u0635\u064a\u0631 \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631. \u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0623\u0641\u0636\u0644 \u0647\u0648 &#8220;\u0627\u0644\u0648\u0642\u062a \u0641\u064a \u0627\u0644\u0633\u0648\u0642\u060c \u0648\u0644\u064a\u0633 \u062a\u0648\u0642\u064a\u062a \u0627\u0644\u0633\u0648\u0642&#8221; (Time in the market, not timing the market).<\/li>\n<li><strong>\u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0627\u0644\u0645\u0641\u0631\u0637 \u0641\u064a \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u0627\u062d\u062f:<\/strong> \u062d\u062a\u0649 \u0644\u0648 \u0643\u0646\u062a \u062a\u0639\u0645\u0644 \u0641\u064a \u0634\u0631\u0643\u0629 \u0631\u0627\u0626\u0639\u0629\u060c \u0641\u0625\u0646 \u0648\u0636\u0639 \u062c\u0632\u0621 \u0643\u0628\u064a\u0631 \u062c\u062f\u064b\u0627 \u0645\u0646 \u062b\u0631\u0648\u062a\u0643 \u0641\u064a \u0623\u0633\u0647\u0645\u0647\u0627 \u064a\u0639\u0631\u0636\u0643 \u0644\u0645\u062e\u0627\u0637\u0631 \u0647\u0627\u0626\u0644\u0629. \u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u0647\u0648 \u0645\u0641\u062a\u0627\u062d \u0627\u0644\u062d\u0645\u0627\u064a\u0629.<\/li>\n<li><strong>\u062a\u062c\u0627\u0647\u0644 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641:<\/strong> \u0643\u0645\u0627 \u0630\u0643\u0631\u0646\u0627\u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0631\u0633\u0648\u0645 \u0623\u0646 \u062a\u0623\u0643\u0644 \u0623\u0631\u0628\u0627\u062d\u0643. \u0642\u0627\u0631\u0646 \u062f\u0627\u0626\u0645\u064b\u0627 \u0646\u0633\u0628 \u0627\u0644\u0646\u0641\u0642\u0627\u062a (Expense Ratios) \u0644\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0639\u0645\u0648\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062a\u0642\u0627\u0636\u0627\u0647\u0627 \u0627\u0644\u0648\u0633\u0637\u0627\u0621.<\/li>\n<li><strong>\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u062e\u0635\u0635\u0629 \u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631:<\/strong> \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u062f\u0627\u0626\u0645\u064b\u0627 \u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626 \u064a\u063a\u0637\u064a \u0646\u0641\u0642\u0627\u062a 3-6 \u0623\u0634\u0647\u0631 \u0641\u064a \u062d\u0633\u0627\u0628 \u062a\u0648\u0641\u064a\u0631 \u0622\u0645\u0646 \u0648\u0633\u0647\u0644 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647. \u0644\u0627 \u062a\u0633\u062a\u062b\u0645\u0631 \u0623\u0628\u062f\u064b\u0627 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u062d\u062a\u0627\u062c\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0642\u0635\u064a\u0631.<\/li>\n<\/ul>\n<p>\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0646\u0627\u062c\u062d \u0647\u0648 \u0645\u0627\u0631\u0627\u062b\u0648\u0646 \u0648\u0644\u064a\u0633 \u0633\u0628\u0627\u0642\u064b\u0627 \u0642\u0635\u064a\u0631\u064b\u0627. \u064a\u062a\u0637\u0644\u0628 \u0627\u0644\u0635\u0628\u0631 \u0648\u0627\u0644\u0627\u0646\u0636\u0628\u0627\u0637 \u0648\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0645\u0633\u062a\u0645\u0631. \u0625\u0630\u0627 \u0643\u0646\u062a \u0645\u0647\u062a\u0645\u064b\u0627 \u0628\u0628\u0646\u0627\u0621 \u0645\u0633\u062a\u0642\u0628\u0644 \u0645\u0647\u0646\u064a \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644\u060c \u0641\u0625\u0646 \u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0647\u064a \u0628\u0646\u0627\u0621 \u0633\u064a\u0631\u0629 \u0630\u0627\u062a\u064a\u0629 \u0642\u0648\u064a\u0629. \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0628\u062f\u0621 \u0645\u0646 \u062e\u0644\u0627\u0644 <a href=\"https:\/\/jobsdz.com\/ar\/submit-resume\">\u062a\u0642\u062f\u064a\u0645 \u0633\u064a\u0631\u062a\u0643 \u0627\u0644\u0630\u0627\u062a\u064a\u0629<\/a> \u0648\u0627\u0633\u062a\u0643\u0634\u0627\u0641 \u0627\u0644\u0641\u0631\u0635 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<h2>\u062e\u0627\u062a\u0645\u0629: \u0628\u0646\u0627\u0621 \u0645\u0633\u062a\u0642\u0628\u0644 \u0645\u0627\u0644\u064a \u0622\u0645\u0646 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u0639\u0631\u0641\u0629<\/h2>\n<p>\u0625\u0646 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0644\u064a\u0633\u062a \u0645\u062c\u0631\u062f \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d\u060c \u0628\u0644 \u0647\u064a \u062b\u0642\u0627\u0641\u0629 \u0648\u0639\u0642\u0644\u064a\u0629. \u0625\u0646\u0647\u0627 \u062a\u0628\u062f\u0623 \u0628\u0627\u0644\u0627\u0639\u062a\u0631\u0627\u0641 \u0628\u0623\u0646\u0643 \u0627\u0644\u0645\u0633\u0624\u0648\u0644 \u0627\u0644\u0623\u0648\u0644 \u0639\u0646 \u0645\u0633\u062a\u0642\u0628\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0623\u0646 \u0623\u0641\u0636\u0644 \u0623\u062f\u0627\u0629 \u062a\u062d\u062a \u062a\u0635\u0631\u0641\u0643 \u0647\u064a \u0627\u0644\u0645\u0639\u0631\u0641\u0629. \u0645\u0646 \u062e\u0644\u0627\u0644 \u0641\u0647\u0645 \u0627\u0644\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0648\u0627\u062c\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u060c \u0648\u0645\u0645\u0627\u0631\u0633\u0629 \u0627\u0644\u0639\u0646\u0627\u064a\u0629 \u0627\u0644\u0648\u0627\u062c\u0628\u0629 \u0628\u062c\u062f\u064a\u0629\u060c \u0648\u0628\u0646\u0627\u0621 \u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0646\u0648\u0639\u0629\u060c \u0648\u0627\u0644\u064a\u0642\u0638\u0629 \u0636\u062f \u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u060c \u064a\u0645\u0643\u0646\u0643 \u062a\u062d\u0648\u064a\u0644 \u0639\u0627\u0644\u0645 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u0646 \u0645\u0643\u0627\u0646 \u0645\u062e\u064a\u0641 \u0648\u0645\u0631\u0628\u0643 \u0625\u0644\u0649 \u0623\u062f\u0627\u0629 \u0642\u0648\u064a\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641 \u062d\u064a\u0627\u062a\u0643. \u062a\u0630\u0643\u0631 \u062f\u0627\u0626\u0645\u064b\u0627 \u0623\u0646 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u062a\u0633\u062a\u062b\u0645\u0631\u0647 \u0627\u0644\u064a\u0648\u0645 \u0647\u0648 \u0644\u0628\u0646\u0629 \u0641\u064a \u0628\u0646\u0627\u0621 \u0645\u0633\u062a\u0642\u0628\u0644\u0643. \u0627\u0633\u062a\u062b\u0645\u0631 \u0628\u062d\u0643\u0645\u0629\u060c \u0627\u0633\u062a\u062b\u0645\u0631 \u0628\u0623\u0645\u0627\u0646\u060c \u0648\u0627\u0644\u0623\u0647\u0645 \u0645\u0646 \u0630\u0644\u0643\u060c \u0644\u0627 \u062a\u062a\u0648\u0642\u0641 \u0623\u0628\u062f\u064b\u0627 \u0639\u0646 \u0627\u0644\u062a\u0639\u0644\u0645.<\/p>\n<h2>Sources<\/h2>\n<ul>\n<li>International Organization of Securities Commissions (IOSCO)<\/li>\n<li>U.S. Securities and Exchange Commission (SEC)<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u0641\u064a \u0639\u0627\u0644\u0645 \u064a\u0632\u062f\u0627\u062f \u062a\u0631\u0627\u0628\u0637\u064b\u0627 \u0648\u062a\u0639\u0642\u064a\u062f\u064b\u0627\u060c \u0644\u0645 \u064a\u0639\u062f \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u062c\u0631\u062f 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