{"id":14,"date":"2026-01-01T07:43:49","date_gmt":"2026-01-01T07:43:49","guid":{"rendered":"https:\/\/e.vikingstrend.com\/?p=14"},"modified":"2026-01-09T22:39:34","modified_gmt":"2026-01-09T22:39:34","slug":"invest","status":"publish","type":"post","link":"https:\/\/az.new9plus.com\/?p=14","title":{"rendered":"\u0623\u0641\u0636\u0644 \u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0639\u0627\u0645 2026: \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0622\u0645\u0646\u0629 \u0644\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u062f\u062e\u0644"},"content":{"rendered":"<h1>\u0623\u0641\u0636\u0644 \u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0639\u0627\u0645 2026: \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0622\u0645\u0646\u0629 \u0644\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u062f\u062e\u0644<\/h1>\n<div class=\"container\">\n<p style=\"padding-right: 40px;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-71 size-medium\" src=\"https:\/\/az.new9plus.com\/wp-content\/uploads\/2026\/01\/\u0623\u0641\u0636\u0644-\u0637\u0631\u0642-\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631-\u0641\u064a-\u0639\u0627\u0645-2026-300x181.png\" alt=\"\" width=\"300\" height=\"181\" srcset=\"https:\/\/az.new9plus.com\/wp-content\/uploads\/2026\/01\/\u0623\u0641\u0636\u0644-\u0637\u0631\u0642-\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631-\u0641\u064a-\u0639\u0627\u0645-2026-300x181.png 300w, https:\/\/az.new9plus.com\/wp-content\/uploads\/2026\/01\/\u0623\u0641\u0636\u0644-\u0637\u0631\u0642-\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631-\u0641\u064a-\u0639\u0627\u0645-2026-1024x617.png 1024w, https:\/\/az.new9plus.com\/wp-content\/uploads\/2026\/01\/\u0623\u0641\u0636\u0644-\u0637\u0631\u0642-\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631-\u0641\u064a-\u0639\u0627\u0645-2026-768x463.png 768w, https:\/\/az.new9plus.com\/wp-content\/uploads\/2026\/01\/\u0623\u0641\u0636\u0644-\u0637\u0631\u0642-\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631-\u0641\u064a-\u0639\u0627\u0645-2026.png 1328w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>\u0623\u0647\u0644\u0627\u064b \u0628\u0643 \u0641\u064a \u0639\u0627\u0644\u0645 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u062d\u064a\u062b \u062a\u062a\u062d\u0648\u0644 \u0627\u0644\u0645\u062f\u062e\u0631\u0627\u062a \u0625\u0644\u0649 \u062b\u0631\u0648\u0627\u062a\u060c \u0648\u062a\u062a\u062d\u0642\u0642 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0645\u0639 \u062f\u062e\u0648\u0644\u0646\u0627 \u0639\u0627\u0645 2026\u060c \u064a\u0642\u0641 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646 \u0639\u0646\u062f \u0645\u0646\u0639\u0637\u0641 \u0627\u0642\u062a\u0635\u0627\u062f\u064a \u062c\u062f\u064a\u062f\u060c \u0645\u0644\u064a\u0621 \u0628\u0627\u0644\u0641\u0631\u0635 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a. [2, 3] \u0644\u0645 \u064a\u0639\u062f \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u062c\u0631\u062f \u062e\u064a\u0627\u0631 \u0644\u0644\u0631\u0641\u0627\u0647\u064a\u0629\u060c \u0628\u0644 \u0623\u0635\u0628\u062d \u0636\u0631\u0648\u0631\u0629 \u062d\u062a\u0645\u064a\u0629 \u0644\u0645\u0648\u0627\u062c\u0647\u0629 \u0627\u0644\u062a\u0636\u062e\u0645\u060c \u0648\u0628\u0646\u0627\u0621 \u0645\u0633\u062a\u0642\u0628\u0644 \u0645\u0627\u0644\u064a \u0622\u0645\u0646\u060c \u0648\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0630\u064a \u064a\u0637\u0645\u062d \u0625\u0644\u064a\u0647 \u0627\u0644\u062c\u0645\u064a\u0639. [24]<\/p>\n<p>\u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u0627\u0644 \u0644\u064a\u0633 \u0645\u062c\u0631\u062f \u0633\u0631\u062f \u0644\u0644\u062e\u064a\u0627\u0631\u0627\u062a\u060c \u0628\u0644 \u0647\u0648 \u0628\u0648\u0635\u0644\u062a\u0643 \u0648\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642\u0643 \u0641\u064a \u0631\u062d\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631. \u0633\u0646\u063a\u0648\u0635 \u0645\u0639\u0627\u064b \u0641\u064a \u0623\u0639\u0645\u0627\u0642 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0646\u0633\u062a\u0643\u0634\u0641 \u0645\u062e\u062a\u0644\u0641 <strong>\u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/strong> \u0627\u0644\u0645\u062a\u0627\u062d\u0629\u060c \u0645\u0646 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0643\u0627\u0644\u0623\u0633\u0647\u0645 \u0648\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a\u060c \u0625\u0644\u0649 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0627\u0644\u062a\u064a \u0623\u0639\u0627\u062f\u062a \u062a\u0634\u0643\u064a\u0644 \u0627\u0644\u0645\u0634\u0647\u062f \u0627\u0644\u0645\u0627\u0644\u064a. [10, 20] \u0647\u062f\u0641\u0646\u0627 \u0647\u0648 \u062a\u0632\u0648\u064a\u062f\u0643 \u0628\u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u0645\u062f\u0631\u0648\u0633\u0629 \u0648\u0645\u0628\u0646\u064a\u0629 \u0639\u0644\u0649 \u0623\u0633\u0633 \u0633\u0644\u064a\u0645\u0629.<\/p>\n<blockquote><p><strong>\u0647\u062f\u0641 \u0627\u0644\u0645\u0642\u0627\u0644:<\/strong> \u062a\u0642\u062f\u064a\u0645 \u062f\u0644\u064a\u0644 \u0634\u0627\u0645\u0644\u060c \u0648\u0627\u0642\u0639\u064a\u060c \u0648\u0645\u0641\u064a\u062f \u064a\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u0627\u062e\u062a\u064a\u0627\u0631 \u0623\u0641\u0636\u0644 \u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0639\u0627\u0645 2026\u060c \u0628\u0645\u0627 \u064a\u062a\u0646\u0627\u0633\u0628 \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\u060c \u0648\u0631\u0633\u0645 \u0645\u0633\u0627\u0631 \u0648\u0627\u0636\u062d \u0646\u062d\u0648 \u0632\u064a\u0627\u062f\u0629 \u062f\u062e\u0644\u0643 \u0628\u0634\u0643\u0644 \u0622\u0645\u0646 \u0648\u0645\u0633\u062a\u062f\u0627\u0645.<\/p><\/blockquote>\n<h2>\u0644\u0645\u0627\u0630\u0627 \u064a\u0639\u062a\u0628\u0631 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u0647\u0645\u0627\u064b \u0641\u064a 2026\u061f<\/h2>\n<p>\u0641\u064a \u0638\u0644 \u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u0642\u0644\u0628\u0627\u062a \u0641\u064a \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u062a\u0636\u062e\u0645\u060c \u0648\u0627\u0644\u062a\u062d\u0648\u0644\u0627\u062a \u0641\u064a \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629\u060c \u062a\u0632\u062f\u0627\u062f \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u064a\u0648\u0645\u0627\u064b \u0628\u0639\u062f \u064a\u0648\u0645. [3, 9, 14] \u0625\u0646 \u0625\u0628\u0642\u0627\u0621 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0641\u064a \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u064a\u0639\u0646\u064a \u0623\u0646\u0647\u0627 \u062a\u0641\u0642\u062f \u062c\u0632\u0621\u0627\u064b \u0645\u0646 \u0642\u064a\u0645\u062a\u0647\u0627 \u0627\u0644\u0634\u0631\u0627\u0626\u064a\u0629 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a. \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0647\u0648 \u0627\u0644\u0645\u062d\u0631\u0643 \u0627\u0644\u0630\u064a \u064a\u062f\u0641\u0639 \u0623\u0645\u0648\u0627\u0644\u0643 \u0644\u0644\u0639\u0645\u0644 \u0645\u0646 \u0623\u062c\u0644\u0643\u060c \u0645\u062d\u0642\u0642\u0627\u064b \u0646\u0645\u0648\u0627\u064b \u064a\u0641\u0648\u0642 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u062a\u0636\u062e\u0645\u060c \u0648\u0645\u0631\u0627\u0643\u0645\u0629 \u0627\u0644\u062b\u0631\u0648\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644. [24] \u0633\u0648\u0627\u0621 \u0643\u0627\u0646 \u062d\u0644\u0645\u0643 \u0634\u0631\u0627\u0621 \u0645\u0646\u0632\u0644\u060c \u0623\u0648 \u062a\u0645\u0648\u064a\u0644 \u062a\u0639\u0644\u064a\u0645 \u0623\u0628\u0646\u0627\u0626\u0643\u060c \u0623\u0648 \u0627\u0644\u062a\u0645\u062a\u0639 \u0628\u062a\u0642\u0627\u0639\u062f \u0645\u0631\u064a\u062d\u060c \u0641\u0625\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0647\u0648 \u0627\u0644\u062c\u0633\u0631 \u0627\u0644\u0630\u064a \u064a\u0639\u0628\u0631 \u0628\u0643 \u0646\u062d\u0648 \u062a\u062d\u0642\u064a\u0642 \u0647\u0630\u0647 \u0627\u0644\u0623\u062d\u0644\u0627\u0645.<\/p>\n<h2>\u0642\u0628\u0644 \u0623\u0646 \u062a\u0628\u062f\u0623: \u0623\u0633\u0633 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0646\u0627\u062c\u062d<\/h2>\n<p>\u0642\u0628\u0644 \u0627\u0644\u063a\u0648\u0635 \u0641\u064a \u062a\u0641\u0627\u0635\u064a\u0644 <strong>\u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/strong> \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0647\u0646\u0627\u0643 \u0642\u0648\u0627\u0639\u062f \u0623\u0633\u0627\u0633\u064a\u0629 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0643\u0644 \u0645\u0633\u062a\u062b\u0645\u0631\u060c \u0645\u0628\u062a\u062f\u0626\u0627\u064b \u0643\u0627\u0646 \u0623\u0645 \u062e\u0628\u064a\u0631\u0627\u064b\u060c \u0623\u0646 \u064a\u0636\u0639\u0647\u0627 \u0646\u0635\u0628 \u0639\u064a\u0646\u064a\u0647. \u0647\u0630\u0647 \u0627\u0644\u0623\u0633\u0633 \u0647\u064a \u0627\u0644\u0631\u0643\u0627\u0626\u0632 \u0627\u0644\u062a\u064a \u0633\u062a\u0628\u0646\u064a \u0639\u0644\u064a\u0647\u0627 \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629.<\/p>\n<h3>1. \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/h3>\n<p>\u0644\u0645\u0627\u0630\u0627 \u062a\u0633\u062a\u062b\u0645\u0631\u061f \u0647\u0644 \u0647\u0648 \u0647\u062f\u0641 \u0642\u0635\u064a\u0631 \u0627\u0644\u0623\u062c\u0644 \u0643\u0634\u0631\u0627\u0621 \u0633\u064a\u0627\u0631\u0629\u060c \u0623\u0645 \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644 \u0643\u0627\u0644\u062a\u0642\u0627\u0639\u062f\u061f \u062a\u062d\u062f\u064a\u062f \u0623\u0647\u062f\u0627\u0641\u0643 \u064a\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629. [12] \u0643\u0630\u0644\u0643\u060c \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0635\u0631\u064a\u062d\u0627\u064b \u0645\u0639 \u0646\u0641\u0633\u0643 \u0628\u0634\u0623\u0646 \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631. \u0647\u0644 \u064a\u0632\u0639\u062c\u0643 \u0631\u0624\u064a\u0629 \u0642\u064a\u0645\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643 \u062a\u062a\u0642\u0644\u0628 \u064a\u0648\u0645\u064a\u0627\u064b\u060c \u0623\u0645 \u0623\u0646\u0643 \u0645\u0633\u062a\u0639\u062f \u0644\u0645\u062e\u0627\u0637\u0631\u0629 \u0623\u0639\u0644\u0649 \u0645\u0642\u0627\u0628\u0644 \u0639\u0648\u0627\u0626\u062f \u0645\u062d\u062a\u0645\u0644\u0629 \u0623\u0643\u0628\u0631\u061f<\/p>\n<h3>2. \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0646\u0648\u064a\u0639<\/h3>\n<p>\u0644\u0627 \u062a\u0636\u0639 \u0643\u0644 \u0627\u0644\u0628\u064a\u0636 \u0641\u064a \u0633\u0644\u0629 \u0648\u0627\u062d\u062f\u0629. \u0647\u0630\u0647 \u0647\u064a \u0627\u0644\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0630\u0647\u0628\u064a\u0629 \u0641\u064a \u0639\u0627\u0644\u0645 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631. \u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u064a\u0639\u0646\u064a \u062a\u0648\u0632\u064a\u0639 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643 \u0639\u0644\u0649 \u0641\u0626\u0627\u062a \u0623\u0635\u0648\u0644 \u0645\u062e\u062a\u0644\u0641\u0629 (\u0623\u0633\u0647\u0645\u060c \u0633\u0646\u062f\u0627\u062a\u060c \u0639\u0642\u0627\u0631\u0627\u062a\u060c \u0633\u0644\u0639) \u0648\u0642\u0637\u0627\u0639\u0627\u062a \u062c\u063a\u0631\u0627\u0641\u064a\u0629 \u0645\u062a\u0646\u0648\u0639\u0629. [7, 17] \u064a\u0633\u0627\u0639\u062f \u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u0639\u0644\u0649 \u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0641\u0625\u0630\u0627 \u0627\u0646\u062e\u0641\u0636 \u0623\u062f\u0627\u0621 \u0623\u062d\u062f \u0627\u0644\u0623\u0635\u0648\u0644\u060c \u0642\u062f \u064a\u0639\u0648\u0636\u0647 \u0623\u062f\u0627\u0621 \u0623\u0635\u0644 \u0622\u062e\u0631. [22]<\/p>\n<div class=\"note\">\n<p><strong>\u0645\u0644\u0627\u062d\u0638\u0629 \u0647\u0627\u0645\u0629:<\/strong> \u0642\u0628\u0644 \u0627\u0644\u0628\u062f\u0621 \u0628\u0623\u064a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u0628\u0646\u0627\u0621 &#8220;\u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626&#8221;. \u0647\u0630\u0627 \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u0647\u0648 \u0645\u0628\u0644\u063a \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u064a\u063a\u0637\u064a \u0646\u0641\u0642\u0627\u062a\u0643 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0645\u062f\u0629 3 \u0625\u0644\u0649 6 \u0623\u0634\u0647\u0631\u060c \u0648\u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0633\u0647\u0644 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647. [12] \u0625\u0646\u0647 \u0634\u0628\u0643\u0629 \u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u062a\u064a \u062a\u062d\u0645\u064a\u0643 \u0645\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0644\u0628\u064a\u0639 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0643 \u0641\u064a \u0648\u0642\u062a \u063a\u064a\u0631 \u0645\u0646\u0627\u0633\u0628 \u0639\u0646\u062f \u062d\u062f\u0648\u062b \u0623\u064a \u0637\u0627\u0631\u0626.<\/p>\n<\/div>\n<h2>\u0623\u0641\u0636\u0644 \u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a 2026<\/h2>\n<p>\u064a\u0634\u0647\u062f \u0639\u0627\u0645 2026 \u0627\u0633\u062a\u0645\u0631\u0627\u0631\u0627\u064b \u0644\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0648\u0627\u0644\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u062a\u062c\u062f\u062f\u0629\u060c \u0645\u0639 \u0639\u0648\u062f\u0629 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0622\u0645\u0646\u0629 \u0643\u0627\u0644\u0630\u0647\u0628 \u0644\u062a\u0623\u0643\u064a\u062f \u0645\u0643\u0627\u0646\u062a\u0647\u0627. [2] \u0625\u0644\u064a\u0643 \u062a\u062d\u0644\u064a\u0644 \u0644\u0623\u0628\u0631\u0632 \u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u0627\u062d\u0629.<\/p>\n<h3>1. \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0623\u0633\u0647\u0645: \u0645\u062d\u0631\u0643 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0623\u0633\u0627\u0633\u064a<\/h3>\n<p>\u064a\u0628\u0642\u0649 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0623\u0633\u0647\u0645 \u0623\u062d\u062f \u0623\u0642\u0648\u0649 <strong>\u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/strong> \u0644\u062a\u062d\u0642\u064a\u0642 \u0646\u0645\u0648 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644. [1, 6, 7] \u0639\u0646\u062f\u0645\u0627 \u062a\u0634\u062a\u0631\u064a \u0633\u0647\u0645\u0627\u064b\u060c \u0641\u0623\u0646\u062a \u062a\u0634\u062a\u0631\u064a \u062d\u0635\u0629 \u0635\u063a\u064a\u0631\u0629 \u0641\u064a \u0645\u0644\u0643\u064a\u0629 \u0634\u0631\u0643\u0629. [12, 13] \u0645\u0639 \u0646\u0645\u0648 \u0627\u0644\u0634\u0631\u0643\u0629 \u0648\u0623\u0631\u0628\u0627\u062d\u0647\u0627\u060c \u062a\u0631\u062a\u0641\u0639 \u0642\u064a\u0645\u0629 \u0633\u0647\u0645\u0643\u060c \u0648\u0642\u062f \u062a\u062d\u0635\u0644 \u0623\u064a\u0636\u0627\u064b \u0639\u0644\u0649 \u062a\u0648\u0632\u064a\u0639\u0627\u062a \u0623\u0631\u0628\u0627\u062d \u0645\u0646\u062a\u0638\u0645\u0629. [1]<\/p>\n<ul>\n<li><strong>\u0644\u0645\u0646 \u0647\u0648 \u0645\u0646\u0627\u0633\u0628:<\/strong> \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644 \u0627\u0644\u0630\u064a\u0646 \u064a\u0645\u0643\u0646\u0647\u0645 \u062a\u062d\u0645\u0644 \u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u0633\u0648\u0642.<\/li>\n<li><strong>\u0643\u064a\u0641 \u062a\u0628\u062f\u0623:<\/strong> \u0639\u0628\u0631 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0645\u0639 \u0634\u0631\u0643\u0629 \u0648\u0633\u0627\u0637\u0629 \u0645\u0627\u0644\u064a\u0629 \u0645\u0648\u062b\u0648\u0642\u0629 \u062a\u062a\u064a\u062d \u0644\u0643 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0628\u0648\u0631\u0635\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0648\u0627\u0644\u0645\u062d\u0644\u064a\u0629. [1, 13]<\/li>\n<li><strong>\u0646\u0635\u064a\u062d\u0629 2026:<\/strong> \u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0642\u0648\u064a\u060c \u0648\u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0639\u0645\u0644 \u0641\u064a \u0642\u0637\u0627\u0639\u0627\u062a \u0648\u0627\u0639\u062f\u0629 \u0645\u062b\u0644 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (FinTech)\u060c \u0648\u0627\u0644\u0631\u0639\u0627\u064a\u0629 \u0627\u0644\u0635\u062d\u064a\u0629. [2]<\/li>\n<\/ul>\n<h3>2. \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 (ETFs): \u0627\u0644\u062a\u0646\u0648\u064a\u0639 \u0641\u064a \u0645\u062a\u0646\u0627\u0648\u0644 \u064a\u062f\u0643<\/h3>\n<p>\u062a\u0639\u062a\u0628\u0631 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 (ETFs) \u0623\u062f\u0627\u0629 \u062b\u0648\u0631\u064a\u0629\u060c \u062e\u0627\u0635\u0629 \u0644\u0644\u0645\u0628\u062a\u062f\u0626\u064a\u0646. [15, 16] \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0648\u0627\u062d\u062f \u0647\u0648 \u0633\u0644\u0629 \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0639\u0634\u0631\u0627\u062a \u0623\u0648 \u0645\u0626\u0627\u062a \u0627\u0644\u0623\u0633\u0647\u0645 \u0623\u0648 \u0627\u0644\u0633\u0646\u062f\u0627\u062a\u060c \u0648\u064a\u062a\u062a\u0628\u0639 \u0623\u062f\u0627\u0621 \u0645\u0624\u0634\u0631 \u0645\u0639\u064a\u0646 \u0645\u062b\u0644 S&amp;P 500. [8] \u0628\u0634\u0631\u0627\u0626\u0643 \u0648\u062d\u062f\u0629 \u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u0627\u0644\u0635\u0646\u062f\u0648\u0642\u060c \u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u062a\u0646\u0648\u064a\u0639 \u0641\u0648\u0631\u064a \u0628\u062a\u0643\u0644\u0641\u0629 \u0645\u0646\u062e\u0641\u0636\u0629 \u062c\u062f\u0627\u064b. [22]<\/p>\n<ul>\n<li><strong>\u0644\u0645\u0646 \u0647\u0648 \u0645\u0646\u0627\u0633\u0628:<\/strong> \u0644\u0644\u062c\u0645\u064a\u0639\u060c \u0648\u062e\u0627\u0635\u0629 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0633\u0639\u0648\u0646 \u0644\u0644\u062a\u0646\u0648\u064a\u0639 \u0628\u0623\u0642\u0644 \u062c\u0647\u062f \u0648\u062a\u0643\u0644\u0641\u0629. [16]<\/li>\n<li><strong>\u0623\u0646\u0648\u0627\u0639 \u0634\u0627\u0626\u0639\u0629:<\/strong> \u0635\u0646\u0627\u062f\u064a\u0642 \u062a\u062a\u0628\u0639 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0633\u0648\u0642 (\u0645\u062b\u0644 SPY)\u060c \u0635\u0646\u0627\u062f\u064a\u0642 \u0642\u0637\u0627\u0639\u064a\u0629 (\u0645\u062b\u0644 \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 XLK)\u060c \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0633\u0644\u0639 (\u0645\u062b\u0644 \u0627\u0644\u0630\u0647\u0628 GLD). [19]<\/li>\n<li><strong>\u0646\u0635\u064a\u062d\u0629 2026:<\/strong> \u0627\u0628\u062f\u0623 \u0628\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0648\u0627\u0633\u0639\u0629 \u0644\u0628\u0646\u0627\u0621 \u0642\u0627\u0639\u062f\u0629 \u0645\u062d\u0641\u0638\u062a\u0643\u060c \u062b\u0645 \u064a\u0645\u0643\u0646\u0643 \u0625\u0636\u0627\u0641\u0629 \u0635\u0646\u0627\u062f\u064a\u0642 \u0642\u0637\u0627\u0639\u064a\u0629 \u0644\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0645\u0639\u064a\u0646\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642. [19]<\/li>\n<\/ul>\n<h3>3. \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a: \u0623\u0635\u0644 \u0645\u0644\u0645\u0648\u0633 \u0648\u0645\u0633\u062a\u0642\u0631<\/h3>\n<p>\u0644\u0637\u0627\u0644\u0645\u0627 \u0643\u0627\u0646 \u0627\u0644\u0639\u0642\u0627\u0631 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u064b \u0645\u0641\u0636\u0644\u0627\u064b \u0641\u064a \u0645\u0646\u0637\u0642\u062a\u0646\u0627\u060c \u0648\u0644\u0627 \u064a\u0632\u0627\u0644 \u064a\u062d\u062a\u0641\u0638 \u0628\u062c\u0627\u0630\u0628\u064a\u062a\u0647 \u0641\u064a 2026. [4, 11, 18] \u064a\u0648\u0641\u0631 \u0627\u0644\u0639\u0642\u0627\u0631 \u062a\u062f\u0641\u0642\u0627\u064b \u0646\u0642\u062f\u064a\u0627\u064b \u0634\u0647\u0631\u064a\u0627\u064b \u0645\u0646 \u0627\u0644\u0625\u064a\u062c\u0627\u0631\u0627\u062a\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0631\u062a\u0641\u0627\u0639 \u0642\u064a\u0645\u0629 \u0627\u0644\u0623\u0635\u0644 \u0646\u0641\u0633\u0647 \u0645\u0639 \u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a. [24] \u0648\u0645\u0639 \u062a\u0648\u0642\u0639 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\u060c \u0642\u062f \u062a\u0646\u0634\u0637 \u062d\u0631\u0643\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631\u064a. [3]<\/p>\n<ul>\n<li><strong>\u0644\u0645\u0646 \u0647\u0648 \u0645\u0646\u0627\u0633\u0628:<\/strong> \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644 \u0627\u0644\u0630\u064a\u0646 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0631\u0623\u0633 \u0645\u0627\u0644 \u0643\u0627\u0641\u064d\u060c \u0648\u064a\u0628\u062d\u062b\u0648\u0646 \u0639\u0646 \u062a\u062f\u0641\u0642 \u062f\u062e\u0644 \u0645\u0646\u062a\u0638\u0645.<\/li>\n<li><strong>\u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631:<\/strong>\n<ol>\n<li><strong>\u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u0628\u0627\u0634\u0631:<\/strong> \u0634\u0631\u0627\u0621 \u0639\u0642\u0627\u0631 \u0633\u0643\u0646\u064a \u0623\u0648 \u062a\u062c\u0627\u0631\u064a \u0648\u062a\u0623\u062c\u064a\u0631\u0647. [4]<\/li>\n<li><strong>\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a (REITs):<\/strong> \u0648\u0647\u064a \u0634\u0631\u0643\u0627\u062a \u062a\u0645\u062a\u0644\u0643 \u0648\u062a\u062f\u064a\u0631 \u0639\u0642\u0627\u0631\u0627\u062a \u0645\u062f\u0631\u0629 \u0644\u0644\u062f\u062e\u0644\u060c \u064a\u0645\u0643\u0646\u0643 \u0634\u0631\u0627\u0621 \u0623\u0633\u0647\u0645\u0647\u0627 \u0641\u064a \u0627\u0644\u0628\u0648\u0631\u0635\u0629 \u0628\u0633\u0647\u0648\u0644\u0629. [21]<\/li>\n<\/ol>\n<\/li>\n<li><strong>\u0646\u0635\u064a\u062d\u0629 2026:<\/strong> \u062a\u0634\u0647\u062f \u0623\u0633\u0648\u0627\u0642 \u0645\u062b\u0644 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u062a\u062d\u0648\u0644\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0647\u0627\u0645\u0629 \u062a\u0647\u062f\u0641 \u0644\u062c\u0630\u0628 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u062e\u0644\u0642 \u0641\u0631\u0635\u0627\u064b \u062c\u062f\u064a\u062f\u0629. [25, 30]<\/li>\n<\/ul>\n<h3>4. \u0627\u0644\u0630\u0647\u0628 \u0648\u0627\u0644\u0633\u0644\u0639: \u0645\u0644\u0627\u0630 \u0622\u0645\u0646 \u0641\u064a \u0623\u0648\u0642\u0627\u062a \u0639\u062f\u0645 \u0627\u0644\u064a\u0642\u064a\u0646<\/h3>\n<p>\u0641\u064a \u0639\u0627\u0644\u0645 \u0645\u0644\u064a\u0621 \u0628\u0627\u0644\u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u062c\u064a\u0648\u0633\u064a\u0627\u0633\u064a\u0629 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629\u060c \u064a\u0644\u0645\u0639 \u0627\u0644\u0630\u0647\u0628 \u0643\u0645\u0644\u0627\u0630 \u0622\u0645\u0646 \u0628\u0627\u0645\u062a\u064a\u0627\u0632. [9, 23, 32] \u064a\u0644\u062c\u0623 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646 \u0625\u0644\u0649 \u0627\u0644\u0630\u0647\u0628 \u0644\u0644\u062a\u062d\u0648\u0637 \u0636\u062f \u0627\u0644\u062a\u0636\u062e\u0645 \u0648\u0627\u0646\u062e\u0641\u0627\u0636 \u0642\u064a\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u062a. [29] \u062a\u062a\u0648\u0642\u0639 \u0628\u0639\u0636 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0643\u0628\u0631\u0649 \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0627\u0644\u0635\u0627\u0639\u062f \u0644\u0644\u0630\u0647\u0628 \u0641\u064a 2026. [27]<\/p>\n<ul>\n<li><strong>\u0644\u0645\u0646 \u0647\u0648 \u0645\u0646\u0627\u0633\u0628:<\/strong> \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0643\u062c\u0632\u0621 \u0635\u063a\u064a\u0631 \u0645\u0646 \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0648\u0627\u0632\u0646 \u0648\u0627\u0644\u062d\u0645\u0627\u064a\u0629.<\/li>\n<li><strong>\u0643\u064a\u0641 \u062a\u0633\u062a\u062b\u0645\u0631:<\/strong> \u064a\u0645\u0643\u0646 \u0634\u0631\u0627\u0621 \u0627\u0644\u0630\u0647\u0628 \u0627\u0644\u0645\u0627\u062f\u064a (\u0633\u0628\u0627\u0626\u0643 \u0648\u0639\u0645\u0644\u0627\u062a)\u060c \u0623\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u0644\u0644\u0630\u0647\u0628 (Gold ETFs) \u0627\u0644\u062a\u064a \u062a\u062a\u0628\u0639 \u0633\u0639\u0631\u0647. [29]<\/li>\n<li><strong>\u0646\u0635\u064a\u062d\u0629 2026:<\/strong> \u064a\u0639\u062a\u0628\u0631 \u0627\u0644\u0630\u0647\u0628 \u0623\u062f\u0627\u0629 \u062a\u062d\u0648\u0637 \u0645\u0645\u062a\u0627\u0632\u0629\u060c \u0648\u0644\u0643\u0646 \u0644\u0627 \u062a\u062a\u0648\u0642\u0639 \u0645\u0646\u0647 \u0646\u0645\u0648\u0627\u064b \u0643\u0628\u064a\u0631\u0627\u064b \u0645\u062b\u0644 \u0627\u0644\u0623\u0633\u0647\u0645. [28] \u062f\u0648\u0631\u0647 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0647\u0648 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0644\u0642\u064a\u0645\u0629. [32]<\/li>\n<\/ul>\n<h3>5. \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0648\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u062b\u0627\u0628\u062a: \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u062a\u062f\u0641\u0642 \u0646\u0642\u062f\u064a<\/h3>\n<p>\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0647\u064a \u0642\u0631\u0648\u0636 \u062a\u0642\u062f\u0645\u0647\u0627 \u0644\u0644\u062d\u0643\u0648\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0645\u0642\u0627\u0628\u0644 \u0641\u0627\u0626\u062f\u0629 \u062b\u0627\u0628\u062a\u0629. [33] \u062a\u0639\u062a\u0628\u0631 \u0623\u0642\u0644 \u062e\u0637\u0648\u0631\u0629 \u0645\u0646 \u0627\u0644\u0623\u0633\u0647\u0645 \u0648\u062a\u0648\u0641\u0631 \u062a\u062f\u0641\u0642\u0627\u064b \u0646\u0642\u062f\u064a\u0627\u064b \u064a\u0645\u0643\u0646 \u0627\u0644\u062a\u0646\u0628\u0624 \u0628\u0647\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u0645\u0643\u0648\u0646\u0627\u064b \u0623\u0633\u0627\u0633\u064a\u0627\u064b \u0641\u064a \u0623\u064a \u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0648\u0627\u0632\u0646\u0629. [31]<\/p>\n<ul>\n<li><strong>\u0644\u0645\u0646 \u0647\u0648 \u0645\u0646\u0627\u0633\u0628:<\/strong> \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0645\u062d\u0627\u0641\u0638\u064a\u0646 \u0648\u0627\u0644\u0628\u0627\u062d\u062b\u064a\u0646 \u0639\u0646 \u062f\u062e\u0644 \u062b\u0627\u0628\u062a\u060c \u0648\u0643\u0630\u0644\u0643 \u0644\u062a\u0646\u0648\u064a\u0639 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0646\u0645\u0648.<\/li>\n<li><strong>\u0643\u064a\u0641 \u062a\u0633\u062a\u062b\u0645\u0631:<\/strong> \u0639\u0628\u0631 \u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0645\u0628\u0627\u0634\u0631\u0629 \u0623\u0648 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 (Bond ETFs). [19]<\/li>\n<li><strong>\u0646\u0635\u064a\u062d\u0629 2026:<\/strong> \u0645\u0639 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\u060c \u0623\u0635\u0628\u062d\u062a \u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0623\u0643\u062b\u0631 \u062c\u0627\u0630\u0628\u064a\u0629. [3, 17] \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0648\u0641\u0631 \u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 \u062a\u0648\u0627\u0632\u0646\u0627\u064b \u062c\u064a\u062f\u0627\u064b \u0628\u064a\u0646 \u0627\u0644\u0639\u0627\u0626\u062f \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631. [33]<\/li>\n<\/ul>\n<blockquote><p><strong>\u0639\u0627\u0644\u0645 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629:<\/strong> \u0644\u0627 \u064a\u0632\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0628\u064a\u062a\u0643\u0648\u064a\u0646 \u0645\u062d\u0641\u0648\u0641\u0627\u064b \u0628\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0639\u0627\u0644\u064a\u0629 \u062c\u062f\u0627\u064b \u0648\u0627\u0644\u062a\u0642\u0644\u0628\u0627\u062a \u0627\u0644\u0634\u062f\u064a\u062f\u0629. [21] \u0625\u0630\u0627 \u0642\u0631\u0631\u062a \u0627\u0644\u062f\u062e\u0648\u0644 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644\u060c \u0641\u0627\u0633\u062a\u062b\u0645\u0631 \u0641\u0642\u0637 \u0645\u0628\u0644\u063a\u0627\u064b \u064a\u0645\u0643\u0646\u0643 \u062a\u062d\u0645\u0644 \u062e\u0633\u0627\u0631\u062a\u0647 \u0628\u0627\u0644\u0643\u0627\u0645\u0644\u060c \u0648\u0627\u0639\u062a\u0628\u0631\u0647 \u062c\u0632\u0621\u0627\u064b \u0635\u063a\u064a\u0631\u0627\u064b \u062c\u062f\u0627\u064b \u0648\u0645\u0636\u0627\u0631\u0628\u064a\u0627\u064b \u0645\u0646 \u0645\u062d\u0641\u0638\u062a\u0643. [28]<\/p><\/blockquote>\n<h2>\u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u064a\u0646 \u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629<\/h2>\n<p>\u0644\u062a\u0633\u0647\u064a\u0644 \u0639\u0645\u0644\u064a\u0629 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631\u060c \u0625\u0644\u064a\u0643 \u062c\u062f\u0648\u0644 \u064a\u0642\u0627\u0631\u0646 \u0628\u064a\u0646 \u0623\u0628\u0631\u0632 <strong>\u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/strong>:<\/p>\n<table>\n<thead>\n<tr>\n<th>\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/th>\n<th>\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629<\/th>\n<th>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0645\u062a\u0648\u0642\u0639<\/th>\n<th>\u0627\u0644\u0633\u064a\u0648\u0644\u0629<\/th>\n<th>\u0645\u0646\u0627\u0633\u0628 \u0644\u0640<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0641\u0631\u062f\u064a\u0629<\/td>\n<td>\u0645\u0631\u062a\u0641\u0639\u0629<\/td>\n<td>\u0645\u0631\u062a\u0641\u0639<\/td>\n<td>\u0639\u0627\u0644\u064a\u0629<\/td>\n<td>\u0627\u0644\u0646\u0645\u0648 \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644\u060c \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631 \u0627\u0644\u062e\u0628\u064a\u0631<\/td>\n<\/tr>\n<tr>\n<td>\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a (ETFs)<\/td>\n<td>\u0645\u062a\u0648\u0633\u0637\u0629<\/td>\n<td>\u0645\u062a\u0648\u0633\u0637 \u0625\u0644\u0649 \u0645\u0631\u062a\u0641\u0639<\/td>\n<td>\u0639\u0627\u0644\u064a\u0629 \u062c\u062f\u0627\u064b<\/td>\n<td>\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646\u060c \u062e\u0627\u0635\u0629 \u0627\u0644\u0645\u0628\u062a\u062f\u0626\u064a\u0646<\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u0639\u0642\u0627\u0631 (\u0634\u0631\u0627\u0621 \u0645\u0628\u0627\u0634\u0631)<\/td>\n<td>\u0645\u0646\u062e\u0641\u0636\u0629 \u0625\u0644\u0649 \u0645\u062a\u0648\u0633\u0637\u0629<\/td>\n<td>\u0645\u062a\u0648\u0633\u0637<\/td>\n<td>\u0645\u0646\u062e\u0641\u0636\u0629<\/td>\n<td>\u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u060c \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644<\/td>\n<\/tr>\n<tr>\n<td>\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0639\u0642\u0627\u0631 (REITs)<\/td>\n<td>\u0645\u062a\u0648\u0633\u0637\u0629<\/td>\n<td>\u0645\u062a\u0648\u0633\u0637<\/td>\n<td>\u0639\u0627\u0644\u064a\u0629<\/td>\n<td>\u0627\u0644\u0631\u0627\u063a\u0628\u064a\u0646 \u0641\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0628\u0633\u064a\u0648\u0644\u0629 \u0639\u0627\u0644\u064a\u0629<\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u0630\u0647\u0628<\/td>\n<td>\u0645\u0646\u062e\u0641\u0636\u0629<\/td>\n<td>\u0645\u0646\u062e\u0641\u0636<\/td>\n<td>\u0639\u0627\u0644\u064a\u0629 (\u0643\u0640 ETFs)<\/td>\n<td>\u0627\u0644\u062a\u062d\u0648\u0637 \u0645\u0646 \u0627\u0644\u062a\u0636\u062e\u0645\u060c \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0644\u0642\u064a\u0645\u0629<\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629<\/td>\n<td>\u0645\u0646\u062e\u0641\u0636\u0629 \u062c\u062f\u0627\u064b<\/td>\n<td>\u0645\u0646\u062e\u0641\u0636 \u0625\u0644\u0649 \u0645\u062a\u0648\u0633\u0637<\/td>\n<td>\u0645\u062a\u0648\u0633\u0637\u0629 \u0625\u0644\u0649 \u0639\u0627\u0644\u064a\u0629<\/td>\n<td>\u0627\u0644\u0623\u0645\u0627\u0646\u060c \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u062b\u0627\u0628\u062a\u060c \u0627\u0644\u0645\u062d\u0627\u0641\u0638\u0648\u0646<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\u062e\u0627\u062a\u0645\u0629: \u0645\u0633\u062a\u0642\u0628\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u064a\u0628\u062f\u0623 \u0627\u0644\u064a\u0648\u0645<\/h2>\n<p>\u0625\u0646 \u0639\u0627\u0644\u0645 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u0627\u0633\u0639 \u0648\u0645\u062a\u0634\u0639\u0628\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0637\u0631\u064a\u0642 \u0646\u062d\u0648 \u0627\u0644\u0646\u062c\u0627\u062d \u0627\u0644\u0645\u0627\u0644\u064a \u064a\u0628\u062f\u0623 \u0628\u062e\u0637\u0648\u0629 \u0648\u0627\u062d\u062f\u0629: \u0642\u0631\u0627\u0631 \u0627\u0644\u0628\u062f\u0621. \u0644\u0642\u062f \u0627\u0633\u062a\u0639\u0631\u0636\u0646\u0627 \u0623\u0628\u0631\u0632 <strong>\u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631<\/strong> \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0639\u0627\u0645 2026\u060c \u0648\u0644\u0643\u0644 \u0645\u0646\u0647\u0627 \u0645\u0632\u0627\u064a\u0627\u0647\u0627 \u0648\u0645\u062e\u0627\u0637\u0631\u0647\u0627. [21, 31, 34] \u0627\u0644\u0645\u0641\u062a\u0627\u062d \u0647\u0648 \u0641\u064a \u0628\u0646\u0627\u0621 \u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u062a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0634\u062e\u0635\u064a\u062a\u0643 \u0648\u0623\u0647\u062f\u0627\u0641\u0643\u060c \u0648\u0627\u0644\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0641\u064a \u0627\u0644\u062a\u0639\u0644\u0645 \u0648\u0627\u0644\u062a\u0643\u064a\u0641 \u0645\u0639 \u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0633\u0648\u0642. [26]<\/p>\n<p>\u0644\u0627 \u062a\u0646\u062a\u0638\u0631 \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062b\u0627\u0644\u064a\u060c \u0641\u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062b\u0627\u0644\u064a \u0647\u0648 \u0627\u0644\u0622\u0646. \u0627\u0628\u062f\u0623 \u0631\u062d\u0644\u062a\u0643 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629\u060c \u0648\u0644\u0648 \u0628\u0645\u0628\u0644\u063a \u0628\u0633\u064a\u0637\u060c \u0648\u062f\u0639 \u0642\u0648\u0629 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u062a\u0631\u0627\u0643\u0645\u064a \u062a\u0639\u0645\u0644 \u0644\u0635\u0627\u0644\u062d\u0643. \u0645\u0633\u062a\u0642\u0628\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0628\u064a\u0646 \u064a\u062f\u064a\u0643.<\/p>\n<div class=\"note\">\n<p><strong>\u0625\u062e\u0644\u0627\u0621 \u0645\u0633\u0624\u0648\u0644\u064a\u0629:<\/strong> \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u0627\u0644 \u0647\u064a \u0644\u0623\u063a\u0631\u0627\u0636 \u062a\u0639\u0644\u064a\u0645\u064a\u0629 \u0648\u062a\u062b\u0642\u064a\u0641\u064a\u0629 \u0641\u0642\u0637\u060c \u0648\u0644\u0627 \u062a\u0634\u0643\u0644 \u062a\u0648\u0635\u064a\u0629 \u0623\u0648 \u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0645\u0627\u0644\u064a\u0629. \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062f\u0627\u0626\u0645\u0627\u064b \u0625\u062c\u0631\u0627\u0621 \u0628\u062d\u062b\u0643 \u0627\u0644\u062e\u0627\u0635 \u0648\u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0645\u0633\u062a\u0634\u0627\u0631 \u0645\u0627\u0644\u064a \u0645\u0624\u0647\u0644 \u0642\u0628\u0644 \u0627\u062a\u062e\u0627\u0630 \u0623\u064a \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629.<\/p>\n<\/div>\n<\/div>\n<p style=\"padding-right: 40px;\">\n","protected":false},"excerpt":{"rendered":"<p>\u0623\u0641\u0636\u0644 \u0637\u0631\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0639\u0627\u0645 2026: \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0622\u0645\u0646\u0629 \u0644\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u062f\u062e\u0644 \u0623\u0647\u0644\u0627\u064b \u0628\u0643 \u0641\u064a \u0639\u0627\u0644\u0645 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u062d\u064a\u062b \u062a\u062a\u062d\u0648\u0644 \u0627\u0644\u0645\u062f\u062e\u0631\u0627\u062a \u0625\u0644\u0649 \u062b\u0631\u0648\u0627\u062a\u060c \u0648\u062a\u062a\u062d\u0642\u0642 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0645\u0639 \u062f\u062e\u0648\u0644\u0646\u0627 \u0639\u0627\u0645 2026\u060c \u064a\u0642\u0641 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646 \u0639\u0646\u062f \u0645\u0646\u0639\u0637\u0641 \u0627\u0642\u062a\u0635\u0627\u062f\u064a \u062c\u062f\u064a\u062f\u060c \u0645\u0644\u064a\u0621 \u0628\u0627\u0644\u0641\u0631\u0635 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a. [2, 3] \u0644\u0645 \u064a\u0639\u062f \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u062c\u0631\u062f \u062e\u064a\u0627\u0631 \u0644\u0644\u0631\u0641\u0627\u0647\u064a\u0629\u060c \u0628\u0644 \u0623\u0635\u0628\u062d \u0636\u0631\u0648\u0631\u0629 \u062d\u062a\u0645\u064a\u0629 \u0644\u0645\u0648\u0627\u062c\u0647\u0629 \u0627\u0644\u062a\u0636\u062e\u0645\u060c \u0648\u0628\u0646\u0627\u0621 \u0645\u0633\u062a\u0642\u0628\u0644 \u0645\u0627\u0644\u064a \u0622\u0645\u0646\u060c \u0648\u062a\u062d\u0642\u064a\u0642 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":71,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-14","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mony"],"_links":{"self":[{"href":"https:\/\/az.new9plus.com\/index.php?rest_route=\/wp\/v2\/posts\/14","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/az.new9plus.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/az.new9plus.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/az.new9plus.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/az.new9plus.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14"}],"version-history":[{"count":1,"href":"https:\/\/az.new9plus.com\/index.php?rest_route=\/wp\/v2\/posts\/14\/revisions"}],"predecessor-version":[{"id":73,"href":"https:\/\/az.new9plus.com\/index.php?rest_route=\/wp\/v2\/posts\/14\/revisions\/73"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/az.new9plus.com\/index.php?rest_route=\/wp\/v2\/media\/71"}],"wp:attachment":[{"href":"https:\/\/az.new9plus.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/az.new9plus.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/az.new9plus.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}