{"id":54254,"date":"2026-09-28T23:22:02","date_gmt":"2026-09-28T23:22:02","guid":{"rendered":"https:\/\/volity.io\/blog\/%d8%a7%d9%84%d8%a7%d8%af%d8%ae%d8%a7%d8%b1-%d9%81%d9%8a-%d8%a7%d9%84%d8%b0%d9%87%d8%a8-%d8%a3%d9%85-%d8%a7%d9%84%d8%a8%d9%86%d9%83-%d9%85%d8%a7%d8%b0%d8%a7-%d8%ad%d9%82%d9%82%d8%aa-10000-%d9%8a\/"},"modified":"2026-09-29T09:03:34","modified_gmt":"2026-09-29T09:03:34","slug":"gold-vs-savings-account","status":"publish","type":"post","link":"https:\/\/volity.io\/ar\/gold\/gold-vs-savings-account\/","title":{"rendered":"\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0641\u064a \u0627\u0644\u0630\u0647\u0628 \u0623\u0645 \u0627\u0644\u0628\u0646\u0643: \u0645\u0627\u0630\u0627 \u062d\u0642\u0642\u062a 10,000 \u064a\u0648\u0631\u0648 \u0641\u064a \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a"},"content":{"rendered":"<p>\u0623\u064a\u0647\u0645\u0627 \u0623\u0646\u0633\u0628 \u0644\u062c\u0632\u0621 \u0645\u0646 \u0645\u062f\u062e\u0631\u0627\u062a\u0643: \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0641\u064a \u0627\u0644\u0630\u0647\u0628 \u0623\u0645 \u0627\u0644\u0628\u0646\u0643\u061f \u0645\u0646 \u0646\u0647\u0627\u064a\u0629 \u0633\u0628\u062a\u0645\u0628\u0631 2021 \u0625\u0644\u0649 \u0623\u0648\u0627\u062e\u0631 \u0633\u0628\u062a\u0645\u0628\u0631 2026\u060c \u0646\u0645\u0627 \u0645\u0628\u0644\u063a EUR 10,000 \u0641\u064a \u0648\u062f\u0627\u0626\u0639 \u0644\u0623\u062c\u0644 \u0633\u0646\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u062a\u064f\u062c\u062f\u064e\u0651\u062f \u0643\u0644 \u0633\u0628\u062a\u0645\u0628\u0631\u060c \u0625\u0644\u0649 \u0646\u062d\u0648 EUR 10,882. \u0623\u0645\u0627 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0630\u0647\u0628 \u0645\u062f\u0639\u0648\u0645 \u0628\u0630\u0647\u0628 \u0645\u0627\u062f\u064a \u064a\u062a\u0642\u0627\u0636\u0649 0.12% \u0633\u0646\u0648\u064a\u0627\u060c \u0641\u0642\u062f \u0628\u0644\u063a \u0646\u062d\u0648 EUR 24,686. \u0648\u0628\u0639\u062f \u062a\u0636\u062e\u0645 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u064a\u0648\u0631\u0648 \u0642\u0627\u0631\u0628 23%\u060c \u0635\u0627\u0631\u062a \u0642\u064a\u0645\u0629 \u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u0646\u062d\u0648 EUR 8,843 \u0628\u0627\u0644\u0642\u0648\u0629 \u0627\u0644\u0634\u0631\u0627\u0626\u064a\u0629 \u0644\u0639\u0627\u0645 2021\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u0636\u0627\u0639\u0641 \u0627\u0644\u0630\u0647\u0628 \u062a\u0642\u0631\u064a\u0628\u0627 \u0628\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629. \u0627\u062d\u0633\u0628 \u0623\u0631\u0642\u0627\u0645\u0643 \u0623\u062f\u0646\u0627\u0647 \u0648\u062d\u062f\u0651\u062f \u0643\u064a\u0641 \u062a\u0648\u0632\u0651\u0639 \u0645\u062f\u062e\u0631\u0627\u062a\u0643.<\/p>\n<blockquote><p><b>\u0627\u0644\u062e\u0644\u0627\u0635\u0629 \u0627\u0644\u0633\u0631\u064a\u0639\u0629:<\/b> \u0628\u064a\u0646 30 \u0633\u0628\u062a\u0645\u0628\u0631 2021 \u0648 25 \u0633\u0628\u062a\u0645\u0628\u0631 2026\u060c \u062a\u062d\u0648\u0651\u0644 \u0645\u0628\u0644\u063a EUR 10,000 \u0625\u0644\u0649 EUR 10,882 \u0641\u064a \u0648\u062f\u0627\u0626\u0639 \u0644\u0623\u062c\u0644 \u0633\u0646\u0629\u060c \u0648\u0625\u0644\u0649 EUR 24,686 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0630\u0647\u0628 \u0631\u0633\u0648\u0645\u0647 0.12%\u060c \u0648\u0625\u0644\u0649 EUR 21,117 \u0641\u064a \u0639\u0642\u062f CFD \u0639\u0644\u0649 \u0627\u0644\u0630\u0647\u0628 \u0627\u062d\u062a\u064f\u0641\u0638 \u0628\u0647 \u0637\u0648\u0627\u0644 \u0627\u0644\u0645\u062f\u0629 \u0628\u0639\u062f \u062e\u0635\u0645 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0628\u064a\u062a (\u0645\u062b\u0627\u0644 \u062a\u0648\u0636\u064a\u062d\u064a). \u0648\u0642\u062f \u0647\u0628\u0637 \u0627\u0644\u0630\u0647\u0628 23.2% \u0628\u0627\u0644\u064a\u0648\u0631\u0648 \u0645\u0646 \u0645\u0627\u0631\u0633 \u0625\u0644\u0649 \u064a\u0648\u0644\u064a\u0648 2026\u060c \u0648\u0644\u0627 \u064a\u062f\u0631\u0651 \u0623\u064a \u0641\u0627\u0626\u062f\u0629. \u0627\u062d\u062a\u0641\u0638 \u0628\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0641\u064a \u0648\u062f\u064a\u0639\u0629 \u0645\u0636\u0645\u0648\u0646\u0629\u060c \u0648\u0627\u062c\u0639\u0644 \u062d\u0635\u0629 \u0627\u0644\u0630\u0647\u0628 \u0628\u062d\u062c\u0645 \u0647\u0628\u0648\u0637 \u062a\u0633\u062a\u0637\u064a\u0639 \u0627\u0644\u0635\u0628\u0631 \u0639\u0644\u064a\u0647\u060c \u0648\u0627\u062a\u0631\u0643 \u0639\u0642\u0648\u062f CFD \u0644\u0644\u0635\u0641\u0642\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0645\u062a\u062f \u0623\u064a\u0627\u0645\u0627 \u0623\u0648 \u0623\u0633\u0627\u0628\u064a\u0639.<\/p><\/blockquote>\n<p>\u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0645\u0623\u062e\u0648\u0630\u0629 \u0645\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a (ECB) \u0644\u0623\u0633\u0639\u0627\u0631 \u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0648\u062f\u0627\u0626\u0639\u060c \u0648\u0645\u0646 \u0645\u0643\u062a\u0628 \u0627\u0644\u0625\u062d\u0635\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a (\u064a\u0648\u0631\u0648\u0633\u062a\u0627\u062a) \u0644\u0644\u062a\u0636\u062e\u0645\u060c \u0648\u0645\u0646 \u0633\u0639\u0631 LBMA \u0627\u0644\u0645\u0633\u0627\u0626\u064a \u0644\u0644\u0630\u0647\u0628 (LBMA Gold Price PM)\u060c \u0648\u0647\u0648 \u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0645\u0631\u062c\u0639\u064a \u0644\u0645\u0632\u0627\u062f \u0627\u0644\u0630\u0647\u0628 \u0641\u064a \u0644\u0646\u062f\u0646. \u0648\u062a\u062c\u0631\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u064a\u0646 <b>\u0627\u0644\u0630\u0647\u0628 \u0648\u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631<\/b> \u0628\u0627\u0644\u064a\u0648\u0631\u0648\u060c \u0642\u0628\u0644 \u0627\u0644\u062a\u0636\u062e\u0645 \u0648\u0628\u0639\u062f\u0647.<\/p>\n<h2 id=\"five-year-numbers\">\u0623\u0631\u0642\u0627\u0645 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a \u0644\u0645\u0628\u0644\u063a 10,000 \u064a\u0648\u0631\u0648<\/h2>\n<p>\u064a\u0645\u062a\u062f \u0643\u0644 \u0645\u0633\u0627\u0631 \u0645\u0646 30 \u0633\u0628\u062a\u0645\u0628\u0631 2021 \u0625\u0644\u0649 25 \u0633\u0628\u062a\u0645\u0628\u0631 2026\u060c \u0648\u0647\u0648 \u0623\u062d\u062f\u062b \u0633\u0639\u0631 \u062a\u062b\u0628\u064a\u062a \u0639\u0646\u062f \u0645\u0631\u0627\u062c\u0639\u0629 \u0647\u0630\u0627 \u0627\u0644\u062f\u0644\u064a\u0644. \u0648\u00ab\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629\u00bb \u0647\u064a \u0645\u0627 \u062a\u0634\u062a\u0631\u064a\u0647 \u0627\u0644\u0646\u062a\u064a\u062c\u0629 \u0628\u0623\u0633\u0639\u0627\u0631 2021. \u0648\u0642\u062f \u0627\u0631\u062a\u0641\u0639\u062a \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u064a\u0648\u0631\u0648\u060c \u0643\u0645\u0627 \u064a\u0642\u064a\u0633\u0647\u0627 <a href=\"https:\/\/data.ecb.europa.eu\/data\/datasets\/HICP\/HICP.M.U2.N.000000.4D0.INX\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u0645\u0624\u0634\u0631 \u0627\u0644\u0645\u0646\u0633\u0651\u0642 \u0644\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 (HICP)<\/a> \u0627\u0644\u0630\u064a \u064a\u064f\u0628\u0646\u0649 \u0639\u0644\u064a\u0647 \u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u0636\u062e\u0645 \u0627\u0644\u0631\u0633\u0645\u064a\u060c \u0628\u0646\u0633\u0628\u0629 23.06% \u062d\u062a\u0649 \u0623\u063a\u0633\u0637\u0633 2026: \u0641\u0633\u0644\u0651\u0629 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u0643\u0627\u0646\u062a \u062a\u0643\u0644\u0651\u0641 EUR 10,000 \u0641\u064a 2021 \u0635\u0627\u0631\u062a \u062a\u0643\u0644\u0651\u0641 EUR 12,306.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/volity.io\/wp-content\/uploads\/2026\/09\/gold-vs-savings-account-ar-inline-1.webp\" alt=\"\u0631\u0633\u0645 \u0628\u064a\u0627\u0646\u064a \u0628\u0627\u0644\u0623\u0639\u0645\u062f\u0629 \u0644\u0645\u0628\u0644\u063a 10,000 \u064a\u0648\u0631\u0648 \u0645\u0646 2021 \u0625\u0644\u0649 2026\u060c \u064a\u0646\u062a\u0647\u064a \u0639\u0646\u062f 10,882 \u064a\u0648\u0631\u0648 \u0641\u064a \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0648 24,686 \u064a\u0648\u0631\u0648 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0630\u0647\u0628 \u0648 21,117 \u064a\u0648\u0631\u0648 \u0641\u064a \u0639\u0642\u062f CFD \u0644\u0644\u0630\u0647\u0628\" loading=\"lazy\"><\/p>\n<table>\n<thead>\n<tr>\n<th>\u0627\u0644\u0645\u0633\u0627\u0631<\/th>\n<th>\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629<\/th>\n<th>\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 (\u0628\u0623\u0633\u0639\u0627\u0631 2021)<\/th>\n<th>\u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u0627\u062a<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0648\u062f\u0627\u0626\u0639 \u0644\u0623\u062c\u0644 \u0633\u0646\u0629\u060c \u062a\u064f\u062c\u062f\u064e\u0651\u062f \u0643\u0644 \u0633\u0628\u062a\u0645\u0628\u0631<\/td>\n<td><b>EUR 10,882<\/b> (<span dir=\"ltr\">+8.8%<\/span>)<\/td>\n<td>EUR 8,843 (<span dir=\"ltr\">-11.6%<\/span>)<\/td>\n<td>\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0623\u0633\u0631 \u0644\u0623\u062c\u0644 \u0633\u0646\u0629\u060c \u0641\u064a \u0633\u0628\u062a\u0645\u0628\u0631 \u0645\u0646 \u0643\u0644 \u0639\u0627\u0645: 0.15%\u060c 0.60%\u060c 3.10%\u060c 2.97%\u060c 1.74%<\/td>\n<\/tr>\n<tr>\n<td>\u0627\u0644\u0630\u0647\u0628 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0645\u062f\u0639\u0648\u0645 \u0628\u0630\u0647\u0628 \u0645\u0627\u062f\u064a<\/td>\n<td><b>EUR 24,686<\/b> (<span dir=\"ltr\">+146.9%<\/span>)<\/td>\n<td>EUR 20,060 (<span dir=\"ltr\">+100.6%<\/span>)<\/td>\n<td>\u0633\u0639\u0631 LBMA \u0627\u0644\u0645\u0633\u0627\u0626\u064a \u0644\u0644\u0630\u0647\u0628\u060c \u0645\u0646 EUR 1,505.08 \u0625\u0644\u0649 EUR 3,737.79\u060c \u0645\u0637\u0631\u0648\u062d\u0627 \u0645\u0646\u0647 0.12% \u0633\u0646\u0648\u064a\u0627<\/td>\n<\/tr>\n<tr>\n<td>\u0639\u0642\u062f CFD \u0639\u0644\u0649 \u0627\u0644\u0630\u0647\u0628 \u0637\u0648\u0627\u0644 \u0627\u0644\u0645\u062f\u0629 (\u0645\u062b\u0627\u0644 \u062a\u0648\u0636\u064a\u062d\u064a)<\/td>\n<td><b>EUR 21,117<\/b> (<span dir=\"ltr\">+111.2%<\/span>)<\/td>\n<td>EUR 17,160 (<span dir=\"ltr\">+71.6%<\/span>)<\/td>\n<td>\u0628\u0644\u0627 \u0631\u0627\u0641\u0639\u0629 \u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0642\u0635\u064a\u0631 \u0627\u0644\u0623\u062c\u0644 \u0644\u0644\u064a\u0648\u0631\u0648 \u0645\u0636\u0627\u0641\u0627 \u0625\u0644\u064a\u0647 2.5%: EUR 3,717<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u0623\u0645\u0627 \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u062a\u0627\u062d \u0644\u0644\u0633\u062d\u0628 \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0641\u0644\u0645 \u064a\u0628\u0644\u063a \u0633\u0648\u0649 EUR 10,112 (\u0623\u064a EUR 8,217 \u0628\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629)\u060c \u0648\u0628\u0644\u063a \u062d\u0633\u0627\u0628 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0628\u0625\u0634\u0639\u0627\u0631 \u0645\u0633\u0628\u0642 \u0645\u062f\u062a\u0647 \u062b\u0644\u0627\u062b\u0629 \u0623\u0634\u0647\u0631 EUR 10,620 (\u0623\u064a EUR 8,630). \u0648\u0644\u0627 \u062a\u0634\u0645\u0644 \u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0627\u0644\u0636\u0631\u064a\u0628\u0629\u060c \u0644\u0623\u0646\u0647\u0627 \u062a\u062a\u0648\u0642\u0641 \u0639\u0644\u0649 \u0645\u0643\u0627\u0646 \u0625\u0642\u0627\u0645\u062a\u0643\u060c \u0648\u0644\u0627 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0648\u0641\u0631\u0648\u0642 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0627\u0644\u062a\u062e\u0632\u064a\u0646.<\/p>\n<p>\u0642\u0628\u0644 \u0623\u0646 \u062a\u0642\u0627\u0631\u0646\u060c \u062f\u0648\u0651\u0646 \u0645\u0627 \u062d\u0642\u0642\u062a\u0647 \u0645\u062f\u062e\u0631\u0627\u062a\u0643 \u0645\u0646\u0630 2021 \u0648\u0641\u064a \u0623\u064a \u062d\u0633\u0627\u0628. \u0647\u0630\u0627 \u0627\u0644\u0631\u0642\u0645\u060c \u0644\u0627 \u0623\u0641\u0636\u0644 \u062d\u0627\u0644\u0629 \u0641\u064a \u0627\u0644\u062c\u062f\u0648\u0644\u060c \u0647\u0648 \u0645\u0639\u064a\u0627\u0631\u0643.<\/p>\n<h2 id=\"savings-2021-2026\">\u0639\u0627\u0626\u062f \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0645\u0646 2021 \u0625\u0644\u0649 2026<\/h2>\n<p>\u0641\u064a \u0627\u0644\u0628\u062f\u0627\u064a\u0629 \u0644\u0645 \u064a\u0643\u0633\u0628 \u0627\u0644\u0645\u062f\u062e\u0631\u0648\u0646 \u0634\u064a\u0626\u0627 \u064a\u064f\u0630\u0643\u0631. \u0641\u0633\u0639\u0631 \u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0644\u062f\u0649 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u060c \u0623\u064a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u062a\u064a \u062a\u0648\u062f\u0639\u0647\u0627 \u0627\u0644\u0628\u0646\u0648\u0643 \u0644\u062f\u0649 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0644\u0644\u064a\u0644\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u064a\u0648\u062c\u0651\u0647 \u0645\u0627 \u062a\u062f\u0641\u0639\u0647 \u0627\u0644\u0628\u0646\u0648\u0643 \u0644\u0644\u0645\u062f\u062e\u0631\u064a\u0646. \u0648\u0648\u0641\u0642 <a href=\"https:\/\/www.ecb.europa.eu\/stats\/policy_and_exchange_rates\/key_ecb_interest_rates\/html\/index.en.html\" target=\"_blank\" rel=\"noopener\">\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0631\u0633\u0645\u064a\u0629<\/a> \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u060c \u0643\u0627\u0646 \u0647\u0630\u0627 \u0627\u0644\u0633\u0639\u0631 \u0639\u0646\u062f \u0633\u0627\u0644\u0628 0.50% \u062d\u062a\u0649 27 \u064a\u0648\u0644\u064a\u0648 2022\u060c \u0648\u0628\u0644\u063a \u0630\u0631\u0648\u062a\u0647 \u0639\u0646\u062f 4.00% \u0627\u0639\u062a\u0628\u0627\u0631\u0627 \u0645\u0646 20 \u0633\u0628\u062a\u0645\u0628\u0631 2023\u060c \u062b\u0645 \u062a\u0631\u0627\u062c\u0639 \u0625\u0644\u0649 2.00% \u0628\u062d\u0644\u0648\u0644 \u064a\u0648\u0646\u064a\u0648 2025. \u0648\u0628\u0639\u062f \u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u064a\u0648\u0646\u064a\u0648\u060c \u0623\u0648\u0635\u0644\u0647 <a href=\"https:\/\/www.ecb.europa.eu\/press\/pr\/date\/2026\/html\/ecb.mp260910~314e508016.en.html\" target=\"_blank\" rel=\"noopener\">\u0642\u0631\u0627\u0631 10 \u0633\u0628\u062a\u0645\u0628\u0631 2026<\/a> \u0625\u0644\u0649 2.50%.<\/p>\n<p>\u0644\u0643\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0644\u0645 \u062a\u0646\u0642\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u062f\u062e\u0631\u064a\u0646 \u0633\u0648\u0649 \u062c\u0632\u0621 \u0645\u0646 \u0630\u0644\u0643. \u0641\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0639\u0644\u0649 <a href=\"https:\/\/data.ecb.europa.eu\/data\/datasets\/MIR\/MIR.M.U2.B.L22.F.R.A.2250.EUR.N\" target=\"_blank\" rel=\"noopener\">\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0623\u0633\u0631 \u0644\u0623\u062c\u0644 \u064a\u0635\u0644 \u0625\u0644\u0649 \u0633\u0646\u0629<\/a> (\u0623\u064a \u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u0644\u0623\u062c\u0644) \u0627\u0631\u062a\u0641\u0639 \u0645\u0646 0.15% \u0641\u064a \u0633\u0628\u062a\u0645\u0628\u0631 2021 \u0625\u0644\u0649 3.33% \u0641\u064a \u0646\u0648\u0641\u0645\u0628\u0631 2023\u060c \u0648\u0628\u0644\u063a 2.10% \u0641\u064a \u064a\u0648\u0644\u064a\u0648 2026\u060c \u0628\u062d\u0633\u0628 <a href=\"https:\/\/www.ecb.europa.eu\/press\/stats\/mfi\/html\/ecb.mir260902~d54675e442.en.html\" target=\"_blank\" rel=\"noopener\">\u0628\u064a\u0627\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0627\u0644\u0635\u0627\u062f\u0631 \u0641\u064a 2 \u0633\u0628\u062a\u0645\u0628\u0631 2026<\/a>. \u0623\u0645\u0627 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u062a\u062d\u062a \u0627\u0644\u0637\u0644\u0628\u060c \u0623\u064a \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062c\u0627\u0631\u064a\u0629 \u0648\u0645\u0639\u0638\u0645 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u0633\u062d\u0628 \u0641\u064a \u0623\u064a \u0648\u0642\u062a\u060c \u0641\u062f\u0641\u0639\u062a 0.28% \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0634\u0647\u0631\u060c \u0641\u064a \u062d\u064a\u0646 \u062f\u0641\u0639\u062a \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0628\u0625\u0634\u0639\u0627\u0631 \u0645\u0633\u0628\u0642 \u0645\u062f\u062a\u0647 \u062b\u0644\u0627\u062b\u0629 \u0623\u0634\u0647\u0631 1.18%.<\/p>\n<table>\n<thead>\n<tr>\n<th>12 \u0634\u0647\u0631\u0627 \u062d\u062a\u0649 \u0646\u0647\u0627\u064a\u0629 \u0633\u0628\u062a\u0645\u0628\u0631<\/th>\n<th>\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u0639\u0646 \u0627\u0644\u0633\u0646\u0629<\/th>\n<th>\u0627\u0644\u062a\u0636\u062e\u0645 (HICP)<\/th>\n<th>\u0627\u0631\u062a\u0641\u0627\u0639 \u0627\u0644\u0630\u0647\u0628 \u0628\u0627\u0644\u064a\u0648\u0631\u0648<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2022<\/td>\n<td>0.15%<\/td>\n<td>9.93%<\/td>\n<td>13.65%<\/td>\n<\/tr>\n<tr>\n<td>2023<\/td>\n<td>0.60%<\/td>\n<td>4.33%<\/td>\n<td>3.37%<\/td>\n<\/tr>\n<tr>\n<td>2024<\/td>\n<td>3.10%<\/td>\n<td>1.75%<\/td>\n<td>33.21%<\/td>\n<\/tr>\n<tr>\n<td>2025<\/td>\n<td>2.97%<\/td>\n<td>2.23%<\/td>\n<td>38.48%<\/td>\n<\/tr>\n<tr>\n<td>2026<\/td>\n<td>1.74%<\/td>\n<td>3.15% (\u062d\u062a\u0649 \u0623\u063a\u0633\u0637\u0633)<\/td>\n<td>14.59% (\u062d\u062a\u0649 25 \u0633\u0628\u062a\u0645\u0628\u0631)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u062a\u0641\u0648\u0651\u0642\u062a \u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0636\u062e\u0645 \u0641\u064a \u0633\u0646\u062a\u064a\u0646 \u0641\u0642\u0637 \u0645\u0646 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u062e\u0645\u0633\u060c \u0623\u0645\u0627 \u0627\u0644\u0630\u0647\u0628 \u0641\u0641\u064a \u0623\u0631\u0628\u0639. \u0641\u0645\u062c\u0627\u0631\u0627\u0629 \u0627\u0644\u062a\u0636\u062e\u0645 \u0643\u0627\u0646\u062a \u062a\u062a\u0637\u0644\u0628 \u0646\u062d\u0648 4.3% \u0633\u0646\u0648\u064a\u0627\u060c \u0641\u064a \u0643\u0644 \u0633\u0646\u0629\u060c \u0628\u064a\u0646\u0645\u0627 \u0628\u0644\u063a \u0645\u062a\u0648\u0633\u0637 \u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u0644\u0623\u062c\u0644 \u0633\u0646\u0629 \u0630\u0631\u0648\u062a\u0647 \u0639\u0646\u062f 3.33%. \u0648\u064a\u0642\u062f\u0651\u0631 <a href=\"https:\/\/ec.europa.eu\/eurostat\/web\/products-euro-indicators\/w\/2-17092026-ap\" target=\"_blank\" rel=\"noopener\">\u064a\u0648\u0631\u0648\u0633\u062a\u0627\u062a<\/a> \u0627\u0644\u062a\u0636\u062e\u0645 \u0641\u064a \u0623\u063a\u0633\u0637\u0633 2026 \u0628\u0646\u0633\u0628\u0629 3.2%.<\/p>\n<p>\u0645\u0627 \u062a\u0645\u0646\u062d\u0643 \u0625\u064a\u0627\u0647 \u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u0647\u0648 \u0627\u0644\u064a\u0642\u064a\u0646. \u0641\u0628\u0645\u0648\u062c\u0628 \u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u060c \u062a\u064f\u0636\u0645\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u062d\u062a\u0649 EUR 100,000 \u0644\u0643\u0644 \u0645\u0648\u062f\u0650\u0639 \u0641\u064a \u0643\u0644 \u0628\u0646\u0643\u060c \u0643\u0645\u0627 \u064a\u0648\u0636\u062d <a href=\"https:\/\/www.ecb.europa.eu\/ecb-and-you\/explainers\/tell-me-more\/html\/deposit_guarantee.en.html\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a<\/a> \u0648<a href=\"https:\/\/finance.ec.europa.eu\/banking\/banking-regulation\/deposit-guarantee-schemes_en\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u0645\u0641\u0648\u0636\u064a\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629<\/a>\u060c \u0648\u0644\u0627 \u064a\u062a\u0623\u0631\u062c\u062d \u0627\u0644\u0631\u0635\u064a\u062f \u0645\u0639 \u0627\u0644\u0623\u0633\u0648\u0627\u0642. \u0648\u0647\u0630\u0627 \u0645\u0627 \u064a\u062c\u0639\u0644 \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0643\u0627\u0646 \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0644\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626.<\/p>\n<p>\u0642\u0627\u0631\u0646 \u0641\u0627\u0626\u062f\u062a\u0643 \u0628\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0646\u0648\u0639 \u062d\u0633\u0627\u0628\u0643 \u0648\u0628\u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u0636\u062e\u0645. \u0641\u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0641\u0627\u0626\u0636 \u0641\u064a \u062d\u0633\u0627\u0628 \u062c\u0627\u0631\u064d \u064a\u062f\u0631\u0651 \u0642\u0631\u0627\u0628\u0629 \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0628\u0627\u0644\u063a 0.28% \u0642\u062f \u064a\u0643\u0633\u0628 \u0623\u0643\u062b\u0631 \u0641\u064a \u062d\u0633\u0627\u0628 \u0628\u0625\u0634\u0639\u0627\u0631 \u0645\u0633\u0628\u0642 \u0623\u0648 \u0641\u064a \u0648\u062f\u064a\u0639\u0629 \u0644\u0623\u062c\u0644.<\/p>\n<h2 id=\"gold-2021-2026\">\u0623\u062f\u0627\u0621 \u0627\u0644\u0630\u0647\u0628 \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u062e\u0645\u0633 \u0646\u0641\u0633\u0647\u0627<\/h2>\n<p>\u0642\u0628\u0644 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a\u060c \u0641\u064a 30 \u0633\u0628\u062a\u0645\u0628\u0631 2021\u060c \u0643\u0627\u0646 \u0633\u0639\u0631 \u0627\u0644\u0630\u0647\u0628 EUR 1,505.08 \u0644\u0643\u0644 \u0623\u0648\u0646\u0635\u0629 \u062a\u0631\u0648\u064a (\u0627\u0644\u0648\u062d\u062f\u0629 \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u0629 \u0644\u0644\u0630\u0647\u0628) \u0648\u0641\u0642 <a href=\"https:\/\/www.lbma.org.uk\/prices-and-data\/lbma-precious-metal-prices\" target=\"_blank\" rel=\"noopener\">\u0633\u0639\u0631 LBMA<\/a> \u0627\u0644\u0645\u0633\u0627\u0626\u064a. \u0648\u0641\u064a 25 \u0633\u0628\u062a\u0645\u0628\u0631 2026 \u0628\u0644\u063a EUR 3,737.79\u060c \u0628\u0627\u0631\u062a\u0641\u0627\u0639 148.3% \u0628\u0627\u0644\u064a\u0648\u0631\u0648\u060c \u0623\u064a \u0646\u062d\u0648 20.0% \u0633\u0646\u0648\u064a\u0627 \u0628\u0634\u0643\u0644 \u0645\u0631\u0643\u0651\u0628\u060c \u0625\u0630 \u064a\u064f\u0628\u0646\u0649 \u0631\u0628\u062d \u0643\u0644 \u0633\u0646\u0629 \u0639\u0644\u0649 \u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u064a \u0642\u0628\u0644\u0647\u0627. \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0633\u0627\u0628\u0642 \u0644\u064a\u0633 \u0645\u0624\u0634\u0631\u0627 \u0645\u0648\u062b\u0648\u0642\u0627 \u0639\u0644\u0649 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629.<\/p>\n<p>\u0628\u0639\u062f \u0633\u0639\u0631 \u062a\u062b\u0628\u064a\u062a \u0642\u064a\u0627\u0633\u064a \u0639\u0646\u062f USD 5,405.00 \u0641\u064a 29 \u064a\u0646\u0627\u064a\u0631 2026\u060c \u062e\u0633\u0631 \u0627\u0644\u0630\u0647\u0628 11.8% \u0628\u0627\u0644\u064a\u0648\u0631\u0648 \u062e\u0644\u0627\u0644 \u064a\u0648\u0645\u064a \u0627\u0644\u062a\u062f\u0627\u0648\u0644 \u0627\u0644\u062a\u0627\u0644\u064a\u064a\u0646. \u0648\u0645\u0646 \u0642\u0645\u062a\u0647 \u0628\u0627\u0644\u064a\u0648\u0631\u0648 \u0639\u0646\u062f EUR 4,537.54 \u0641\u064a 2 \u0645\u0627\u0631\u0633\u060c \u0647\u0628\u0637 23.2% \u0625\u0644\u0649 EUR 3,486.77 \u0641\u064a 16 \u064a\u0648\u0644\u064a\u0648\u060c \u0648\u0641\u064a 25 \u0633\u0628\u062a\u0645\u0628\u0631 \u0643\u0627\u0646 \u0644\u0627 \u064a\u0632\u0627\u0644 \u062f\u0648\u0646 \u062a\u0644\u0643 \u0627\u0644\u0642\u0645\u0629 \u0628\u0646\u0633\u0628\u0629 17.6%.<\/p>\n<p>\u0648\u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0637\u0648\u0644 \u064a\u062d\u0645\u0644 \u0645\u0627 \u0647\u0648 \u0623\u0633\u0648\u0623: \u0647\u0628\u0648\u0637 \u0628\u0646\u0633\u0628\u0629 70.3% \u0628\u0627\u0644\u062f\u0648\u0644\u0627\u0631 \u0645\u0646 1980 \u0625\u0644\u0649 1999\u060c \u0648\u0647\u0628\u0648\u0637 \u0628\u0646\u0633\u0628\u0629 44.6% \u0645\u0646 2011 \u0625\u0644\u0649 2015 (\u0648\u0644\u0645 \u064a\u064f\u0633\u062a\u0639\u062f \u0645\u0633\u062a\u0648\u0649 \u0642\u0645\u0629 2011 \u062d\u062a\u0649 \u064a\u0648\u0644\u064a\u0648 2020)\u060c \u0648\u0647\u0628\u0648\u0637 \u0628\u0646\u0633\u0628\u0629 36.8% \u0628\u0627\u0644\u064a\u0648\u0631\u0648 \u0641\u064a 2012-2013. \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0630\u0647\u0628 \u0644\u0627 \u064a\u062f\u0631\u0651 \u0623\u064a \u0641\u0627\u0626\u062f\u0629\u060c \u0641\u0641\u064a \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u064a \u064a\u0633\u062a\u0642\u0631 \u0641\u064a\u0647\u0627 \u0633\u0639\u0631\u0647 \u0644\u0627 \u064a\u0643\u0633\u0628 \u0634\u064a\u0626\u0627\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u0648\u0627\u0635\u0644 \u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u062f\u0641\u0639 \u0641\u0627\u0626\u062f\u062a\u0647\u0627.<\/p>\n<p>\u0644\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0627\u0644\u0630\u0647\u0628 \u0633\u0646\u0648\u0627\u062a\u060c \u0627\u0644\u0623\u062f\u0627\u0629 \u0627\u0644\u0645\u0639\u062a\u0627\u062f\u0629 \u0647\u064a \u0635\u0646\u062f\u0648\u0642 \u0645\u062f\u0639\u0648\u0645 \u0628\u0630\u0647\u0628 \u0645\u0627\u062f\u064a\u060c \u0648\u0647\u0648 \u0641\u064a \u0623\u0648\u0631\u0648\u0628\u0627 \u063a\u0627\u0644\u0628\u0627 \u0633\u0644\u0639\u0629 \u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u0641\u064a \u0627\u0644\u0628\u0648\u0631\u0635\u0629 (ETC): \u0648\u0631\u0642\u0629 \u0645\u0627\u0644\u064a\u0629 \u062a\u064f\u062a\u062f\u0627\u0648\u0644 \u0645\u062b\u0644 \u0627\u0644\u0633\u0647\u0645 \u0648\u062a\u062f\u0639\u0645\u0647\u0627 \u0633\u0628\u0627\u0626\u0643 \u0630\u0647\u0628 \u0645\u062d\u0641\u0648\u0638\u0629 \u0641\u064a \u062e\u0632\u0646\u0629. \u0648\u062a\u0628\u0644\u063a \u0631\u0633\u0648\u0645 \u0645\u0646\u062a\u062c\u0627\u062a ETC \u0644\u0644\u0630\u0647\u0628 \u0627\u0644\u0645\u0627\u062f\u064a \u0645\u0646 <a href=\"https:\/\/www.ishares.com\/uk\/individual\/en\/products\/258441\/ishares-physical-gold-etc-fund\" target=\"_blank\" rel=\"nofollow noopener\">iShares<\/a> \u0648<a href=\"https:\/\/www.invesco.com\/content\/dam\/invesco\/emea\/en\/pdf\/Invesco-physical-gold-etc-brochure-en.pdf\" target=\"_blank\" rel=\"nofollow noopener\">Invesco<\/a> \u0646\u0633\u0628\u0629 0.12% \u0633\u0646\u0648\u064a\u0627\u060c \u0623\u064a \u0646\u062d\u0648 EUR 148 \u062e\u0644\u0627\u0644 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a \u0639\u0644\u0649 \u0645\u0628\u0644\u063a EUR 10,000. \u0623\u0645\u0627 \u0627\u0644\u0633\u0628\u0627\u0626\u0643 \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0630\u0647\u0628\u064a\u0629 \u0641\u062a\u064f\u0639\u0641\u064a\u0643 \u0645\u0646 \u0631\u0633\u0648\u0645 \u0627\u0644\u0635\u0646\u062f\u0648\u0642\u060c \u0644\u0643\u0646\u0647\u0627 \u062a\u0636\u064a\u0641 \u0647\u0627\u0645\u0634 \u0627\u0644\u062a\u0627\u062c\u0631 \u0648\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u062e\u0632\u064a\u0646. \u0648\u0641\u064a <a href=\"https:\/\/volity.io\/ar\/gold\/\">\u0642\u0633\u0645 \u0627\u0644\u0630\u0647\u0628<\/a> \u0623\u062f\u0644\u0629 \u0639\u0646 \u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0628\u0627\u0626\u0643 \u0648\u0639\u0646 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0630\u0647\u0628.<\/p>\n<p>\u0642\u0628\u0644 \u0623\u0646 \u062a\u0634\u062a\u0631\u064a\u060c \u0627\u0646\u0638\u0631 \u0625\u0644\u0649 \u0647\u0628\u0648\u0637 2026 \u0628\u0646\u0633\u0628\u0629 23.2% \u0648\u0647\u0628\u0648\u0637 2012-2013 \u0628\u0646\u0633\u0628\u0629 36.8%\u060c \u0648\u0627\u0633\u0623\u0644 \u0646\u0641\u0633\u0643 \u0647\u0644 \u0643\u0646\u062a \u0633\u062a\u0635\u0645\u062f. \u0641\u0625\u0646 \u0644\u0645 \u064a\u0643\u0646 \u0643\u0630\u0644\u0643\u060c \u0641\u0627\u062c\u0639\u0644 \u062d\u0635\u062a\u0643 \u0645\u0646 \u0627\u0644\u0630\u0647\u0628 \u0635\u063a\u064a\u0631\u0629.<\/p>\n<h2 id=\"gold-cfd-cost\">\u0644\u0645\u0627\u0630\u0627 \u064a\u064f\u0639\u062f \u0639\u0642\u062f CFD \u0639\u0644\u0649 \u0627\u0644\u0630\u0647\u0628 \u0623\u062f\u0627\u0629 \u062a\u062f\u0627\u0648\u0644 \u0644\u0627 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627 \u0644\u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a<\/h2>\n<p>\u0627\u0644\u0639\u0642\u062f \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0641\u0631\u0648\u0642\u0627\u062a (CFD) \u0627\u062a\u0641\u0627\u0642 \u0645\u0639 \u0648\u0633\u064a\u0637 \u0639\u0644\u0649 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062a\u063a\u064a\u0651\u0631 \u0641\u064a \u0627\u0644\u0633\u0639\u0631 \u0646\u0642\u062f\u0627. \u0641\u0623\u0646\u062a \u0644\u0627 \u062a\u0645\u0644\u0643 \u0627\u0644\u0630\u0647\u0628 \u0623\u0628\u062f\u0627\u060c \u0648\u064a\u0645\u0643\u0646\u0643 \u0641\u062a\u062d \u0645\u0631\u0643\u0632 \u0634\u0631\u0627\u0621 (\u062a\u0631\u0628\u062d \u0625\u0630\u0627 \u0627\u0631\u062a\u0641\u0639 \u0627\u0644\u0633\u0639\u0631) \u0623\u0648 \u0645\u0631\u0643\u0632 \u0628\u064a\u0639 (\u062a\u0631\u0628\u062d \u0625\u0630\u0627 \u0627\u0646\u062e\u0641\u0636). \u0648\u062a\u0639\u0645\u0644 \u0639\u0642\u0648\u062f CFD \u0628\u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629: \u062a\u062f\u0641\u0639 \u062c\u0632\u0621\u0627 \u0645\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0631\u0643\u0632 \u0647\u0627\u0645\u0634\u0627\u060c \u0648\u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u062a\u0636\u062e\u0651\u0645 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0643\u0645\u0627 \u062a\u0636\u062e\u0651\u0645 \u0627\u0644\u0623\u0631\u0628\u0627\u062d.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/volity.io\/wp-content\/uploads\/2026\/09\/gold-vs-savings-account-ar-inline-2.webp\" alt=\"\u0628\u0637\u0627\u0642\u0629 \u062a\u0648\u0636\u064a\u062d\u064a\u0629 \u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0645\u0628\u064a\u062a \u0641\u064a \u0639\u0642\u062f CFD \u0639\u0644\u0649 \u0627\u0644\u0630\u0647\u0628: \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0631\u0643\u0632 \u0645\u0636\u0631\u0648\u0628\u0629 \u0641\u064a \u0627\u0644\u0645\u0639\u062f\u0644 \u0627\u0644\u0633\u0646\u0648\u064a \u0648\u0645\u0642\u0633\u0648\u0645\u0629 \u0639\u0644\u0649 365 \u062a\u0633\u0627\u0648\u064a \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0644\u064a\u0644\u0629 \u0627\u0644\u0648\u0627\u062d\u062f\u0629\" loading=\"lazy\"><\/p>\n<p>\u0641\u064a \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0627\u0644\u0637\u0648\u064a\u0644\u060c \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062a\u064a \u062a\u0647\u0645\u0651 \u0647\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0628\u064a\u062a: \u0641\u0627\u0626\u062f\u0629 \u062a\u064f\u062d\u062a\u0633\u0628 \u0643\u0644 \u0644\u064a\u0644\u0629 \u0639\u0644\u0649 \u0643\u0627\u0645\u0644 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0631\u0643\u0632\u060c \u0644\u0627 \u0639\u0644\u0649 \u0627\u0644\u0647\u0627\u0645\u0634 \u0627\u0644\u0630\u064a \u062f\u0641\u0639\u062a\u0647. \u0648\u062a\u0635\u0641\u0647 <a href=\"https:\/\/www.fca.org.uk\/publications\/multi-firm-reviews\/contracts-difference-providers-provision-price-and-value\" target=\"_blank\" rel=\"noopener\">\u0645\u0631\u0627\u062c\u0639\u0629 \u0645\u0632\u0648\u0651\u062f\u064a \u0639\u0642\u0648\u062f CFD<\/a> \u0627\u0644\u062a\u064a \u0623\u062c\u0631\u062a\u0647\u0627 \u0647\u064a\u0626\u0629 \u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0628\u0631\u064a\u0637\u0627\u0646\u064a\u0629 (FCA) \u0628\u0623\u0646\u0647 \u00ab\u062a\u0643\u0644\u0641\u0629 \u0645\u0633\u062a\u0645\u0631\u0629 \u0643\u0628\u064a\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u062d\u064a\u0646 \u064a\u062d\u062a\u0641\u0638\u0648\u0646 \u0628\u0645\u0631\u0627\u0643\u0632 CFD \u0645\u0641\u062a\u0648\u062d\u0629 \u0644\u0645\u062f\u0629 \u0623\u0637\u0648\u0644\u00bb\u060c \u0648\u0642\u062f \u0648\u062c\u062f\u062a \u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u062a\u0641\u0627\u0648\u062a\u0627 \u0648\u0627\u0633\u0639\u0627 \u0641\u064a \u0627\u0644\u0645\u0639\u062f\u0644\u0627\u062a.<\/p>\n<p>\u062a\u062d\u0633\u0628 <a href=\"https:\/\/www.cmcmarkets.com\/en\/cfd-trading\/holding-costs-explained\" target=\"_blank\" rel=\"nofollow noopener\">CMC Markets<\/a> \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u0647\u0643\u0630\u0627: \u0639\u062f\u062f \u0627\u0644\u0648\u062d\u062f\u0627\u062a \u00d7 \u0627\u0644\u0633\u0639\u0631 \u00d7 \u0627\u0644\u0645\u0639\u062f\u0644 \u0627\u0644\u0633\u0646\u0648\u064a \/ 365. \u0648\u0627\u0644\u0645\u0639\u062f\u0644 \u0627\u0644\u0633\u0646\u0648\u064a \u0633\u0639\u0631 \u0641\u0627\u0626\u062f\u0629 \u0645\u0631\u062c\u0639\u064a \u0645\u0636\u0627\u0641\u0627 \u0625\u0644\u064a\u0647 \u0639\u0644\u0627\u0648\u0629 \u0627\u0644\u0648\u0633\u064a\u0637: \u0641\u0634\u0631\u0643\u0629 <a href=\"https:\/\/www.ig.com\/en\/help-and-support\/articles\/691957-what-are-ig-s-commodities-cfd-product-details\" target=\"_blank\" rel=\"nofollow noopener\">IG<\/a> \u062a\u0636\u064a\u0641 0.8% \u0633\u0646\u0648\u064a\u0627 \u0639\u0644\u0649 \u0627\u0644\u0630\u0647\u0628 \u0627\u0644\u0641\u0648\u0631\u064a\u060c \u0648\u062a\u0636\u064a\u0641 CMC \u0645\u0627 \u0644\u0627 \u064a\u0642\u0644 \u0639\u0646 3% \u0639\u0644\u0649 \u0627\u0644\u0633\u0644\u0639\u060c \u0644\u0630\u0627 \u062a\u062a\u0631\u0627\u0648\u062d \u0627\u0644\u0639\u0644\u0627\u0648\u0627\u062a \u0627\u0644\u0645\u0646\u0634\u0648\u0631\u0629 \u0628\u064a\u0646 \u0646\u062d\u0648 0.8% \u0648 3% \u0623\u0648 \u0623\u0643\u062b\u0631. \u0648\u064a\u0637\u0628\u0651\u0642 \u0627\u0644\u062c\u062f\u0648\u0644 \u0630\u0644\u0643 \u0639\u0644\u0649 \u0630\u0647\u0628 \u0628\u0642\u064a\u0645\u0629 EUR 10,000 \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 \u0646\u0641\u0633\u0647\u0627\u060c \u062f\u0648\u0646 \u0631\u0627\u0641\u0639\u0629 \u0645\u0627\u0644\u064a\u0629\u060c \u0645\u0639 \u0627\u0639\u062a\u0645\u0627\u062f <a href=\"https:\/\/data.ecb.europa.eu\/data\/datasets\/EST\/EST.B.EU000A2X2A25.WT\" target=\"_blank\" rel=\"noopener\">\u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0642\u0635\u064a\u0631 \u0627\u0644\u0623\u062c\u0644 \u0644\u0644\u064a\u0648\u0631\u0648<\/a> (\u0645\u0627 \u062a\u062f\u0641\u0639\u0647 \u0627\u0644\u0628\u0646\u0648\u0643 \u0644\u0627\u0642\u062a\u0631\u0627\u0636 \u0627\u0644\u064a\u0648\u0631\u0648 \u0644\u0644\u064a\u0644\u0629 \u0648\u0627\u062d\u062f\u0629) \u0633\u0639\u0631\u0627 \u0645\u0631\u062c\u0639\u064a\u0627. \u0623\u0645\u0627 \u0633\u0637\u0631 2.5% \u0641\u0647\u0648 \u0627\u0641\u062a\u0631\u0627\u0636 \u062a\u0648\u0636\u064a\u062d\u064a\u060c \u0648\u0644\u064a\u0633 \u0627\u0644\u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0639\u0644\u064a \u0644\u0623\u064a \u0634\u0631\u0643\u0629.<\/p>\n<table>\n<thead>\n<tr>\n<th>\u0627\u0644\u0639\u0644\u0627\u0648\u0629 \u0641\u0648\u0642 \u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0645\u0631\u062c\u0639\u064a<\/th>\n<th>\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u062e\u0644\u0627\u0644 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a<\/th>\n<th>\u0627\u0644\u0642\u064a\u0645\u0629 \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0628\u0644\u0627 \u0639\u0644\u0627\u0648\u0629<\/td>\n<td>EUR 1,721<\/td>\n<td>EUR 23,114<\/td>\n<\/tr>\n<tr>\n<td>0.8%<\/td>\n<td>EUR 2,359<\/td>\n<td>EUR 22,475<\/td>\n<\/tr>\n<tr>\n<td>2.5% (\u0645\u062b\u0627\u0644 \u062a\u0648\u0636\u064a\u062d\u064a)<\/td>\n<td><b>EUR 3,717<\/b><\/td>\n<td><b>EUR 21,117<\/b><\/td>\n<\/tr>\n<tr>\n<td>3.5%<\/td>\n<td>EUR 4,516<\/td>\n<td>EUR 20,319<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u0639\u0646\u062f \u0639\u0644\u0627\u0648\u0629 2.5%\u060c \u0623\u0646\u0647\u0649 \u0639\u0642\u062f CFD \u0627\u0644\u0645\u062f\u0629 \u0645\u062a\u0623\u062e\u0631\u0627 \u0639\u0646 \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u0628\u0645\u0642\u062f\u0627\u0631 EUR 3,569\u060c \u0648\u0627\u0631\u062a\u0641\u0639\u062a \u0627\u0644\u0631\u0633\u0648\u0645 \u0645\u0639 \u0627\u0631\u062a\u0641\u0627\u0639 \u0627\u0644\u0633\u0639\u0631\u060c \u0645\u0646 EUR 228 \u0641\u064a \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0625\u0644\u0649 EUR 1,129 \u0641\u064a \u0627\u0644\u0623\u062e\u064a\u0631\u0629. \u0648\u062a\u062d\u062f\u0651\u062f <a href=\"https:\/\/www.esma.europa.eu\/press-news\/esma-news\/esma-agrees-prohibit-binary-options-and-restrict-cfds-protect-retail-investors\" target=\"_blank\" rel=\"noopener\">ESMA<\/a>\u060c \u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u0645\u0646\u0638\u0650\u0651\u0645\u0629 \u0644\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u060c \u0633\u0642\u0641 \u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0639\u0644\u0649 \u0627\u0644\u0630\u0647\u0628 \u0639\u0646\u062f 20:1\u060c \u0623\u064a \u0625\u0646 \u0647\u0627\u0645\u0634\u0627 \u0642\u062f\u0631\u0647 EUR 500 \u064a\u0643\u0641\u064a \u0644\u0641\u062a\u062d \u0645\u0631\u0643\u0632 \u0628\u0642\u064a\u0645\u0629 EUR 10,000 \u064a\u0638\u0644 \u062a\u0645\u0648\u064a\u0644\u0647 \u0645\u062d\u062a\u0633\u0628\u0627 \u0639\u0644\u0649 \u0642\u064a\u0645\u062a\u0647 \u0643\u0627\u0645\u0644\u0629. \u0648\u064a\u0643\u0641\u064a \u0647\u0628\u0648\u0637 \u0628\u0646\u0633\u0628\u0629 2.5% \u0644\u062e\u0641\u0636 \u0630\u0644\u0643 \u0627\u0644\u0647\u0627\u0645\u0634 \u0625\u0644\u0649 \u0627\u0644\u0646\u0635\u0641\u060c \u0648\u0639\u0646\u062f \u0628\u0644\u0648\u063a 50% \u0645\u0646 \u0627\u0644\u0647\u0627\u0645\u0634 \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u0633\u064a\u0637 \u0627\u0644\u0628\u062f\u0621 \u0628\u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u0645\u0631\u0627\u0643\u0632.<\/p>\n<p>\u0639\u0644\u0649 Volity\u060c \u062a\u064f\u0637\u0628\u064e\u0651\u0642 \u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0628\u064a\u062a \u0639\u0644\u0649 \u0627\u0644\u0645\u0631\u0627\u0643\u0632 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u0628\u0639\u062f \u0627\u0644\u0633\u0627\u0639\u0629 22:00 \u0628\u062a\u0648\u0642\u064a\u062a \u063a\u0631\u064a\u0646\u062a\u0634\u060c \u0648\u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0648\u062c\u0628\u0629 \u0623\u0648 \u0633\u0627\u0644\u0628\u0629 \u062d\u0633\u0628 \u0627\u062a\u062c\u0627\u0647 \u0627\u0644\u0635\u0641\u0642\u0629 \u0648\u0627\u0644\u0645\u0646\u062a\u062c. \u0648\u064a\u0638\u0647\u0631 \u0645\u0639\u062f\u0644 \u0643\u0644 \u0623\u062f\u0627\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629. \u0642\u0628\u0644 \u0623\u0646 \u062a\u0641\u062a\u062d \u0639\u0642\u062f CFD \u0639\u0644\u0649 \u0627\u0644\u0630\u0647\u0628:<\/p>\n<ol>\n<li>\u0627\u0639\u0631\u0641 \u0645\u0639\u062f\u0644 \u0627\u0644\u0645\u0628\u064a\u062a \u0639\u0644\u0649 XAU\/EUR \u0623\u0648 XAU\/USD \u0644\u0644\u0627\u062a\u062c\u0627\u0647 \u0627\u0644\u0630\u064a \u062a\u062e\u062a\u0627\u0631\u0647.<\/li>\n<li>\u0627\u0636\u0631\u0628\u0647 \u0641\u064a \u0643\u0627\u0645\u0644 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0631\u0643\u0632\u060c \u0644\u0627 \u0641\u064a \u0627\u0644\u0647\u0627\u0645\u0634.<\/li>\n<li>\u0627\u0642\u0633\u0645 \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0644\u0649 365 \u0644\u062a\u0639\u0631\u0641 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0644\u064a\u0644\u0629 \u0627\u0644\u0648\u0627\u062d\u062f\u0629.<\/li>\n<li>\u0627\u0636\u0631\u0628 \u0630\u0644\u0643 \u0641\u064a \u0639\u062f\u062f \u0627\u0644\u0644\u064a\u0627\u0644\u064a \u0627\u0644\u062a\u064a \u062a\u062a\u0648\u0642\u0639 \u0623\u0646 \u062a\u062d\u062a\u0641\u0638 \u0641\u064a\u0647\u0627 \u0628\u0627\u0644\u0645\u0631\u0643\u0632.<\/li>\n<li>\u0642\u0627\u0631\u0646 \u0627\u0644\u0645\u062c\u0645\u0648\u0639 \u0628\u062d\u0631\u0643\u0629 \u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u0647\u062f\u0641\u0647\u0627\u060c \u0648\u062a\u062e\u0644\u064e\u0651 \u0639\u0646 \u0627\u0644\u0635\u0641\u0642\u0629 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0633\u064a\u0644\u062a\u0647\u0645 \u062c\u0632\u0621\u0627 \u0643\u0628\u064a\u0631\u0627 \u0645\u0646\u0647\u0627.<\/li>\n<li>\u0636\u0639 \u0623\u0645\u0631 \u0648\u0642\u0641 \u0627\u0644\u062e\u0633\u0627\u0631\u0629\u060c \u0648\u0647\u0648 \u0623\u0645\u0631 \u064a\u063a\u0644\u0642 \u0627\u0644\u0635\u0641\u0642\u0629 \u0639\u0646\u062f \u0633\u0639\u0631 \u062a\u062e\u062a\u0627\u0631\u0647\u060c \u0648\u062a\u062f\u0631\u0651\u0628 \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a \u0627\u0644\u0645\u062c\u0627\u0646\u064a.<\/li>\n<\/ol>\n<p>\u0639\u0642\u062f CFD \u0645\u0635\u0645\u064e\u0651\u0645 \u0644\u062a\u062f\u0627\u0648\u0644 \u062a\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u0630\u0647\u0628 \u0639\u0644\u0649 \u0645\u062f\u0649 \u0623\u064a\u0627\u0645 \u0648\u0623\u0633\u0627\u0628\u064a\u0639\u060c \u0641\u064a \u0623\u064a \u0645\u0646 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u064a\u0646\u060c \u0645\u0639 \u0623\u0645\u0631 \u0648\u0642\u0641 \u0648\u062e\u0637\u0629\u060c \u0648\u0647\u0630\u0647 \u0647\u064a \u0627\u0644\u0645\u0647\u0645\u0629 \u0627\u0644\u062a\u064a \u0635\u064f\u0645\u0651\u0645 \u0644\u0647\u0627 \u0639\u0642\u062f CFD \u0639\u0644\u0649 \u0627\u0644\u0630\u0647\u0628 \u0641\u064a Volity. \u0623\u0645\u0627 \u0639\u0644\u0649 \u0645\u062f\u0649 \u0639\u062f\u0629 \u0633\u0646\u0648\u0627\u062a\u060c \u0641\u064a\u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644. \u0648\u0644\u0644\u0645\u0632\u064a\u062f\u060c \u0631\u0627\u062c\u0639 \u062f\u0644\u064a\u0644 <a href=\"https:\/\/volity.io\/ar\/cfd\/cfd-gold-trading\/\">\u062a\u062f\u0627\u0648\u0644 \u0627\u0644\u0630\u0647\u0628 \u0639\u0628\u0631 \u0627\u0644\u0639\u0642\u0648\u062f \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0641\u0631\u0648\u0642\u0627\u062a<\/a>.<\/p>\n<h2 id=\"calculator\">\u0627\u062d\u0633\u0628 \u0623\u0631\u0642\u0627\u0645\u0643 \u0628\u0646\u0641\u0633\u0643 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062d\u0627\u0633\u0628\u0629<\/h2>\n<p>\u0623\u062f\u062e\u0644 \u0645\u0628\u0644\u063a\u0643 \u0648\u0639\u062f\u062f \u0627\u0644\u0633\u0646\u0648\u0627\u062a\u060c \u062b\u0645 \u063a\u064a\u0651\u0631 \u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0627\u062f\u062e\u0627\u0631\u060c \u0648\u0627\u0644\u062a\u063a\u064a\u0651\u0631 \u0627\u0644\u0633\u0646\u0648\u064a \u0641\u064a \u0633\u0639\u0631 \u0627\u0644\u0630\u0647\u0628\u060c \u0648\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0635\u0646\u062f\u0648\u0642\u060c \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0628\u064a\u062a \u0644\u0639\u0642\u062f CFD\u060c \u0648\u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u0636\u062e\u0645.<\/p>\n<div class=\"vgs-calc\" id=\"vgs\" style=\"background:#f7f5fb;border:1px solid #e3dcef;border-radius:12px;padding:20px 18px;margin:24px 0;font-size:16px;line-height:1.5\">\n<p style=\"margin:0 0 4px;font-size:19px;font-weight:700;color:#4a2275\">\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0630\u0647\u0628 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0627\u062f\u062e\u0627\u0631<\/p>\n<p style=\"margin:0 0 14px;color:#4f4a5c;font-size:14px\">\u0627\u0644\u0642\u064a\u0645 \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629 \u062a\u0642\u0627\u0631\u0628 \u0623\u0631\u0642\u0627\u0645 \u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u0627\u0644 \u0645\u0646 2021 \u0625\u0644\u0649 2026. \u063a\u064a\u0651\u0631 \u0623\u064a \u0645\u062f\u062e\u0644 \u0644\u062a\u062c\u0631\u0651\u0628 \u0623\u0631\u0642\u0627\u0645\u0643. \u0647\u0630\u0627 \u0645\u062b\u0627\u0644 \u062a\u0648\u0636\u064a\u062d\u064a \u0648\u0644\u064a\u0633 \u062a\u0648\u0642\u0639\u0627.<\/p>\n<div style=\"display:flex;flex-wrap:wrap;gap:12px 18px\">\n<div style=\"flex:1 1 200px;min-width:0\"><label for=\"vgs-amt\" style=\"display:block;font-weight:600;color:#2d2340;margin-bottom:4px;font-size:15px\">\u0627\u0644\u0645\u0628\u0644\u063a (EUR)<\/label><input id=\"vgs-amt\" type=\"number\" inputmode=\"decimal\" value=\"10000\" step=\"100\" min=\"0\" style=\"box-sizing:border-box;width:100%;padding:9px 11px;border:1px solid #c9bddb;border-radius:8px;font-size:16px;background:#fff;color:#1a1a2e\"><\/div>\n<div style=\"flex:1 1 200px;min-width:0\"><label for=\"vgs-yrs\" style=\"display:block;font-weight:600;color:#2d2340;margin-bottom:4px;font-size:15px\">\u0639\u062f\u062f \u0627\u0644\u0633\u0646\u0648\u0627\u062a<\/label><input id=\"vgs-yrs\" type=\"number\" inputmode=\"numeric\" value=\"5\" step=\"1\" min=\"1\" max=\"40\" style=\"box-sizing:border-box;width:100%;padding:9px 11px;border:1px solid #c9bddb;border-radius:8px;font-size:16px;background:#fff;color:#1a1a2e\"><\/div>\n<div style=\"flex:1 1 200px;min-width:0\"><label for=\"vgs-sav\" style=\"display:block;font-weight:600;color:#2d2340;margin-bottom:4px;font-size:15px\">\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0627\u062f\u062e\u0627\u0631 (% \u0633\u0646\u0648\u064a\u0627)<\/label><input id=\"vgs-sav\" type=\"number\" inputmode=\"decimal\" value=\"1.705\" step=\"0.001\" style=\"box-sizing:border-box;width:100%;padding:9px 11px;border:1px solid #c9bddb;border-radius:8px;font-size:16px;background:#fff;color:#1a1a2e\"><span style=\"display:block;color:#6b6479;font-size:13px;margin-top:3px\">\u0641\u0627\u0626\u062f\u0629 \u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0642\u0628\u0644 \u0627\u0644\u0636\u0631\u064a\u0628\u0629\u060c \u0645\u0631\u0643\u0651\u0628\u0629 \u0645\u0631\u0629 \u0648\u0627\u062d\u062f\u0629 \u0641\u064a \u0627\u0644\u0633\u0646\u0629.<\/span><\/div>\n<div style=\"flex:1 1 200px;min-width:0\"><label for=\"vgs-gold\" style=\"display:block;font-weight:600;color:#2d2340;margin-bottom:4px;font-size:15px\">\u062a\u063a\u064a\u0651\u0631 \u0633\u0639\u0631 \u0627\u0644\u0630\u0647\u0628 (% \u0633\u0646\u0648\u064a\u0627)<\/label><input id=\"vgs-gold\" type=\"number\" inputmode=\"decimal\" value=\"19.95\" step=\"0.1\" style=\"box-sizing:border-box;width:100%;padding:9px 11px;border:1px solid #c9bddb;border-radius:8px;font-size:16px;background:#fff;color:#1a1a2e\"><span style=\"display:block;color:#6b6479;font-size:13px;margin-top:3px\">\u064a\u0645\u0643\u0646\u0643 \u0625\u062f\u062e\u0627\u0644 \u0623\u0631\u0642\u0627\u0645 \u0633\u0627\u0644\u0628\u0629: \u0641\u0627\u0644\u0630\u0647\u0628 \u0642\u062f \u064a\u062a\u0631\u0627\u062c\u0639 \u0644\u0633\u0646\u0648\u0627\u062a.<\/span><\/div>\n<div style=\"flex:1 1 200px;min-width:0\"><label for=\"vgs-fee\" style=\"display:block;font-weight:600;color:#2d2340;margin-bottom:4px;font-size:15px\">\u062a\u0643\u0644\u0641\u0629 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0630\u0647\u0628 (% \u0633\u0646\u0648\u064a\u0627)<\/label><input id=\"vgs-fee\" type=\"number\" inputmode=\"decimal\" value=\"0.12\" step=\"0.01\" min=\"0\" style=\"box-sizing:border-box;width:100%;padding:9px 11px;border:1px solid #c9bddb;border-radius:8px;font-size:16px;background:#fff;color:#1a1a2e\"><span style=\"display:block;color:#6b6479;font-size:13px;margin-top:3px\">\u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0644\u0635\u0646\u062f\u0648\u0642 \u0630\u0647\u0628 \u0645\u062f\u0639\u0648\u0645 \u0628\u0630\u0647\u0628 \u0645\u0627\u062f\u064a.<\/span><\/div>\n<div style=\"flex:1 1 200px;min-width:0\"><label for=\"vgs-fin\" style=\"display:block;font-weight:600;color:#2d2340;margin-bottom:4px;font-size:15px\">\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0628\u064a\u062a \u0644\u0639\u0642\u062f CFD (% \u0633\u0646\u0648\u064a\u0627)<\/label><input id=\"vgs-fin\" type=\"number\" inputmode=\"decimal\" value=\"4.58\" step=\"0.1\" min=\"0\" style=\"box-sizing:border-box;width:100%;padding:9px 11px;border:1px solid #c9bddb;border-radius:8px;font-size:16px;background:#fff;color:#1a1a2e\"><span style=\"display:block;color:#6b6479;font-size:13px;margin-top:3px\">\u0631\u0642\u0645 \u062a\u0648\u0636\u064a\u062d\u064a. \u062a\u0639\u0631\u0636 \u0645\u0646\u0635\u062a\u0643 \u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0628\u064a\u062a \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0644\u0643\u0644 \u0623\u062f\u0627\u0629.<\/span><\/div>\n<div style=\"flex:1 1 200px;min-width:0\"><label for=\"vgs-inf\" style=\"display:block;font-weight:600;color:#2d2340;margin-bottom:4px;font-size:15px\">\u0627\u0644\u062a\u0636\u062e\u0645 (% \u0633\u0646\u0648\u064a\u0627)<\/label><input id=\"vgs-inf\" type=\"number\" inputmode=\"decimal\" value=\"4.24\" step=\"0.1\" style=\"box-sizing:border-box;width:100%;padding:9px 11px;border:1px solid #c9bddb;border-radius:8px;font-size:16px;background:#fff;color:#1a1a2e\"><span style=\"display:block;color:#6b6479;font-size:13px;margin-top:3px\">\u064a\u064f\u0633\u062a\u062e\u062f\u0645 \u0644\u0628\u064a\u0627\u0646 \u0645\u0627 \u062a\u0634\u062a\u0631\u064a\u0647 \u0643\u0644 \u0646\u062a\u064a\u062c\u0629 \u0628\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u064a\u0648\u0645.<\/span><\/div>\n<\/div>\n<div id=\"vgs-out\" aria-live=\"polite\" style=\"margin-top:16px;padding:14px 16px;background:#fff;border-inline-start:4px solid #5b2c8d;border-radius:8px\">\n<div id=\"vgs-msg\" style=\"display:none;font-size:14px;color:#6b6479\">\u0623\u062f\u062e\u0644 \u0645\u0628\u0644\u063a\u0627 \u0644\u0644\u0645\u0642\u0627\u0631\u0646\u0629.<\/div>\n<div id=\"vgs-res\">\n<div style=\"margin:0 0 12px\">\n<div style=\"display:flex;flex-wrap:wrap;justify-content:space-between;gap:2px 10px;font-size:15px;color:#2d2340\"><span>\u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631<\/span><b id=\"vgs-v-sav\" dir=\"ltr\" style=\"white-space:nowrap\">&#8211;<\/b><\/div>\n<div style=\"height:12px;background:#eee8f5;border-radius:6px;overflow:hidden;margin-top:4px\">\n<div id=\"vgs-f-sav\" style=\"height:100%;width:0;border-radius:6px;background:#8f86a3\"><\/div>\n<\/div>\n<\/div>\n<div style=\"margin:0 0 12px\">\n<div style=\"display:flex;flex-wrap:wrap;justify-content:space-between;gap:2px 10px;font-size:15px;color:#2d2340\"><span>\u0627\u0644\u0630\u0647\u0628\u060c \u0635\u0646\u062f\u0648\u0642 \u0645\u062f\u0639\u0648\u0645 \u0628\u0630\u0647\u0628 \u0645\u0627\u062f\u064a<\/span><b id=\"vgs-v-fund\" dir=\"ltr\" style=\"white-space:nowrap\">&#8211;<\/b><\/div>\n<div style=\"height:12px;background:#eee8f5;border-radius:6px;overflow:hidden;margin-top:4px\">\n<div id=\"vgs-f-fund\" style=\"height:100%;width:0;border-radius:6px;background:#c9a227\"><\/div>\n<\/div>\n<\/div>\n<div style=\"margin:0 0 12px\">\n<div style=\"display:flex;flex-wrap:wrap;justify-content:space-between;gap:2px 10px;font-size:15px;color:#2d2340\"><span>\u0639\u0642\u062f CFD \u0639\u0644\u0649 \u0627\u0644\u0630\u0647\u0628 \u0637\u0648\u0627\u0644 \u0627\u0644\u0645\u062f\u0629<\/span><b id=\"vgs-v-cfd\" dir=\"ltr\" style=\"white-space:nowrap\">&#8211;<\/b><\/div>\n<div style=\"height:12px;background:#eee8f5;border-radius:6px;overflow:hidden;margin-top:4px\">\n<div id=\"vgs-f-cfd\" style=\"height:100%;width:0;border-radius:6px;background:#5b2c8d\"><\/div>\n<\/div>\n<\/div>\n<p style=\"margin:8px 0 0;font-size:13px;color:#6b6479\">\u0628\u0639\u062f \u0627\u062d\u062a\u0633\u0627\u0628 \u062a\u0636\u062e\u0645 \u0628\u0646\u0633\u0628\u0629 <span id=\"vgs-inf-v\">&#8211;<\/span> \u0633\u0646\u0648\u064a\u0627: \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 <span id=\"vgs-r-sav\">&#8211;<\/span>\u060c \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0630\u0647\u0628 <span id=\"vgs-r-fund\">&#8211;<\/span>\u060c \u0639\u0642\u062f CFD \u0639\u0644\u0649 \u0627\u0644\u0630\u0647\u0628 <span id=\"vgs-r-cfd\">&#8211;<\/span>. \u064a\u0641\u062a\u0631\u0636 \u0633\u0637\u0631 \u0639\u0642\u062f CFD \u0639\u062f\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u062d\u062a\u0633\u0627\u0628 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0628\u064a\u062a \u0639\u0644\u0649 \u0645\u062a\u0648\u0633\u0637 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0631\u0643\u0632 \u0641\u064a \u0643\u0644 \u0633\u0646\u0629\u060c \u0648\u0644\u0627 \u064a\u0634\u0645\u0644 \u0627\u0644\u0633\u0628\u0631\u064a\u062f \u0648\u0644\u0627 \u0627\u0644\u0636\u0631\u0627\u0626\u0628.<\/p>\n<p style=\"margin:8px 0 0;font-size:13px;color:#6b6479\">\u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0633\u0627\u0628\u0642 \u0644\u064a\u0633 \u0645\u0624\u0634\u0631\u0627 \u0645\u0648\u062b\u0648\u0642\u0627 \u0639\u0644\u0649 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629. \u0642\u062f \u062a\u0646\u062e\u0641\u0636 \u0642\u064a\u0645\u0629 \u0627\u0644\u0630\u0647\u0628 \u0643\u0645\u0627 \u0642\u062f \u062a\u0631\u062a\u0641\u0639.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><script>\n(function(){\nvar ids=['amt','yrs','sav','gold','fee','fin','inf'];\nfunction el(k){return document.getElementById(k);}\nfunction n(k){var e=el('vgs-'+k);var x=parseFloat(e&&e.value);return isFinite(x)?x:0;}\nfunction eur(x){var s=Math.abs(x).toLocaleString('en-GB',{maximumFractionDigits:0});return (x < 0?'-':'')+'EUR '+s;}\nfunction set(k,t){var e=el(k);if(e){e.textContent=t;}}\nfunction bar(key,val,A,max){var d=val-A;set('vgs-v-'+key,eur(val)+' ('+(d >= 0?'+':'')+eur(d)+')');var f=el('vgs-f-'+key);if(f){f.style.width=(max > 0?Math.max(2,Math.round(Math.max(0,val)\/max*100)):0)+'%';}}\nfunction run(){\nvar A=Math.max(0,n('amt')),Y=Math.min(40,Math.max(1,Math.round(n('yrs')))),s=n('sav')\/100,g=n('gold')\/100,c=Math.max(0,n('fee'))\/100,f=Math.max(0,n('fin'))\/100,i=n('inf')\/100;\nvar msg=el('vgs-msg'),res=el('vgs-res');\nif(A <= 0){if(msg){msg.style.display='block';}if(res){res.style.display='none';}return;}\nif(msg){msg.style.display='none';}if(res){res.style.display='block';}\nvar sav=A*Math.pow(1+s,Y),fund=A*Math.pow((1+g)*(1-c),Y),cfd=A*Math.pow(1+g,Y),cost=0;\nfor(var t=0;t < Y;t++){cost+=A*Math.pow(1+g,t+0.5)*f;}\ncfd=cfd-cost;\nvar defl=Math.pow(1+i,Y),max=Math.max(sav,fund,cfd,A);\nbar('sav',sav,A,max);bar('fund',fund,A,max);bar('cfd',cfd,A,max);\nset('vgs-inf-v',(i*100).toLocaleString('en-GB',{minimumFractionDigits:1,maximumFractionDigits:1})+'%');set('vgs-r-sav',eur(sav\/defl));set('vgs-r-fund',eur(fund\/defl));set('vgs-r-cfd',eur(cfd\/defl));\n}\nfor(var k=0;k < ids.length;k++){var e=el('vgs-'+ids[k]);if(e){e.addEventListener('input',run);}}\nrun();\n})();\n<\/script><\/p>\n<p>\u062a\u0639\u0631\u0636 \u0627\u0644\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629 \u0644\u0643\u0644 \u0645\u0633\u0627\u0631\u060c \u0648\u0627\u0644\u0631\u0628\u062d \u0623\u0648 \u0627\u0644\u062e\u0633\u0627\u0631\u0629\u060c \u0648\u0627\u0644\u0642\u064a\u0645\u0629 \u0628\u0639\u062f \u0627\u0644\u062a\u0636\u062e\u0645. \u062c\u0631\u0651\u0628 \u0627\u0644\u0630\u0647\u0628 \u0639\u0646\u062f 0% \u0648\u0639\u0646\u062f \u0645\u0639\u062f\u0644 \u0633\u0627\u0644\u0628\u060c \u062b\u0645 \u062c\u0631\u0651\u0628 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u0643.<\/p>\n<h2 id=\"how-much-gold\">\u062d\u062f\u0651\u062f \u0646\u0635\u064a\u0628 \u0627\u0644\u0630\u0647\u0628 \u0645\u0646 \u0645\u062f\u062e\u0631\u0627\u062a\u0643<\/h2>\n<p>\u0627\u0644\u0639\u0627\u0626\u062f \u0627\u0644\u0642\u0648\u064a \u062e\u0644\u0627\u0644 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a \u0633\u0628\u0628 \u0636\u0639\u064a\u0641 \u0644\u0646\u0642\u0644 \u0643\u0644 \u0645\u062f\u062e\u0631\u0627\u062a\u0643. \u0641\u0641\u064a \u0627\u0644\u0645\u0641\u0627\u0636\u0644\u0629 \u0628\u064a\u0646 \u0627\u0644\u0630\u0647\u0628 \u0648\u0627\u0644\u0646\u0642\u062f\u060c \u064a\u0647\u0645\u0651 \u0627\u0644\u062a\u0631\u062a\u064a\u0628 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0627\u0644\u062d\u062c\u0645. \u0648\u0642\u062f \u0627\u062e\u062a\u0628\u0631\u062a <a href=\"https:\/\/www.gold.org\/goldhub\/research\/relevance-of-gold-as-a-strategic-asset\/portfolio-impact\" target=\"_blank\" rel=\"noopener\">\u0623\u0628\u062d\u0627\u062b \u0645\u062c\u0644\u0633 \u0627\u0644\u0630\u0647\u0628 \u0627\u0644\u0639\u0627\u0644\u0645\u064a (World Gold Council)<\/a> \u0625\u0636\u0627\u0641\u0629 \u0645\u0627 \u0628\u064a\u0646 2.5% \u0648 10% \u0645\u0646 \u0627\u0644\u0630\u0647\u0628 \u0625\u0644\u0649 \u0645\u0632\u064a\u062c \u0627\u0641\u062a\u0631\u0627\u0636\u064a \u0645\u0646 50% \u0623\u0633\u0647\u0645 \u0648 40% \u0633\u0646\u062f\u0627\u062a \u0648 10% \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0628\u062f\u064a\u0644\u0629\u060c \u0645\u0646 \u062f\u064a\u0633\u0645\u0628\u0631 2005 \u0625\u0644\u0649 \u062f\u064a\u0633\u0645\u0628\u0631 2025. \u0648\u0639\u0644\u0649 \u0627\u0645\u062a\u062f\u0627\u062f \u0647\u0630\u0627 \u0627\u0644\u0646\u0637\u0627\u0642\u060c \u0631\u0641\u0639 \u0627\u0644\u0630\u0647\u0628 \u0627\u0644\u0639\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u0639\u062f\u0651\u0644\u0629 \u062d\u0633\u0628 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 (\u0627\u0644\u0639\u0627\u0626\u062f \u0644\u0643\u0644 \u0648\u062d\u062f\u0629 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629) \u0648\u0642\u0644\u0651\u0635 \u0623\u0639\u0645\u0642 \u0645\u0648\u062c\u0627\u062a \u0627\u0644\u0647\u0628\u0648\u0637\u060c \u0648\u0639\u0646\u062f \u0646\u0633\u0628\u0629 5% \u0645\u0646 \u0627\u0644\u0630\u0647\u0628 \u062e\u0641\u0651\u0636 \u0627\u0644\u062a\u0642\u0644\u0628 \u0623\u064a\u0636\u0627 (\u0645\u062f\u0649 \u062d\u062f\u0629 \u062a\u0623\u0631\u062c\u062d \u0627\u0644\u0642\u064a\u0645). \u0647\u0630\u0627 \u0628\u062d\u062b \u0648\u0644\u064a\u0633 \u0642\u0627\u0639\u062f\u0629\u060c \u0648\u0644\u0627 \u0634\u064a\u0621 \u0647\u0646\u0627 \u0646\u0635\u064a\u062d\u0629 \u0634\u062e\u0635\u064a\u0629.<\/p>\n<p>\u0627\u062d\u0633\u0628 \u062d\u062c\u0645 \u0627\u0644\u062d\u0635\u0629 \u0627\u0646\u0637\u0644\u0627\u0642\u0627 \u0645\u0646 \u0627\u0644\u0647\u0628\u0648\u0637. \u0641\u062d\u0635\u0629 \u0630\u0647\u0628 \u0628\u0646\u0633\u0628\u0629 10% \u0645\u0646 EUR 10,000 \u062a\u0633\u0627\u0648\u064a EUR 1,000\u060c \u0644\u0630\u0627 \u0641\u0625\u0646 \u0647\u0628\u0648\u0637\u0627 \u0628\u0646\u0633\u0628\u0629 37% \u064a\u0643\u0644\u0651\u0641\u0643 EUR 370 \u0645\u0646 \u0627\u0644\u0645\u062c\u0645\u0648\u0639\u060c \u0648\u0647\u0628\u0648\u0637\u0627 \u0628\u0646\u0633\u0628\u0629 23% \u064a\u0643\u0644\u0651\u0641\u0643 EUR 230. \u062d\u062f\u0651\u062f \u062a\u0648\u0632\u064a\u0639\u0643 \u0628\u0647\u0630\u0627 \u0627\u0644\u062a\u0631\u062a\u064a\u0628:<\/p>\n<ol>\n<li>\u0627\u062d\u062a\u0641\u0638 \u0628\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0641\u064a \u0648\u062f\u064a\u0639\u0629 \u0628\u0646\u0643\u064a\u0629 \u0645\u0636\u0645\u0648\u0646\u0629.<\/li>\n<li>\u0627\u062d\u062a\u0641\u0638 \u0641\u064a \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0623\u064a\u0636\u0627 \u0628\u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0630\u064a \u0633\u062a\u062d\u062a\u0627\u062c\u0647 \u062e\u0644\u0627\u0644 \u0628\u0636\u0639 \u0633\u0646\u0648\u0627\u062a.<\/li>\n<li>\u0627\u062e\u062a\u0631 \u0623\u0643\u0628\u0631 \u0647\u0628\u0648\u0637 \u062a\u0633\u062a\u0637\u064a\u0639 \u0627\u0644\u0635\u0628\u0631 \u0639\u0644\u064a\u0647 \u062f\u0648\u0646 \u0623\u0646 \u062a\u0628\u064a\u0639.<\/li>\n<li>\u062d\u062f\u0651\u062f \u062d\u062c\u0645 \u062d\u0635\u0629 \u0627\u0644\u0630\u0647\u0628 \u0628\u062d\u064a\u062b \u064a\u0624\u0644\u0645\u0643 \u0630\u0644\u0643 \u0627\u0644\u0647\u0628\u0648\u0637 \u062f\u0648\u0646 \u0623\u0646 \u064a\u0636\u0637\u0631\u0643 \u0625\u0644\u0649 \u0627\u0644\u0628\u064a\u0639\u060c \u0645\u062b\u0644\u0627 \u0636\u0645\u0646 \u0627\u0644\u0646\u0637\u0627\u0642 \u0627\u0644\u0630\u064a \u0627\u062e\u062a\u064f\u0628\u0631 \u0645\u0646 2.5% \u0625\u0644\u0649 10%.<\/li>\n<li>\u0627\u0628\u0646\u0650 \u0627\u0644\u0645\u0631\u0643\u0632 \u0639\u0644\u0649 \u0645\u0631\u0627\u062d\u0644.<\/li>\n<li>\u0623\u0639\u062f \u0627\u0644\u062a\u0648\u0627\u0632\u0646 \u0645\u0631\u0629 \u0641\u064a \u0627\u0644\u0633\u0646\u0629: \u0642\u0644\u0651\u0635 \u0627\u0644\u0630\u0647\u0628 \u0628\u0639\u062f \u0633\u0646\u0629 \u0642\u0648\u064a\u0629\u060c \u0648\u0632\u0650\u062f \u062d\u0635\u062a\u0647 \u0628\u0639\u062f \u0647\u0628\u0648\u0637.<\/li>\n<\/ol>\n<p>\u0634\u0631\u0627\u0621 \u0645\u0628\u0627\u0644\u063a \u062b\u0627\u0628\u062a\u0629 \u0639\u0644\u0649 \u0641\u062a\u0631\u0627\u062a \u0645\u0646\u062a\u0638\u0645\u0629 \u0647\u0648 \u0645\u0627 \u064a\u064f\u0633\u0645\u0651\u0649 <a href=\"https:\/\/volity.io\/ar\/stocks\/dollar-cost-averaging-explained\/\">\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0628\u0627\u0644\u062f\u0648\u0644\u0627\u0631<\/a>. \u0648\u0625\u0646 \u0643\u0627\u0646\u062a \u0623\u0633\u0626\u0644\u062a\u0643 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0623\u0648\u0633\u0639 \u0645\u0646 \u0627\u0644\u0627\u062f\u062e\u0627\u0631\u060c \u0643\u0645\u0642\u0627\u0631\u0646\u0629 \u0627\u0644\u0630\u0647\u0628 \u0628\u0645\u0624\u0634\u0631 S&amp;P 500 \u0623\u0648 \u062a\u0646\u0648\u064a\u0639 \u0645\u062d\u0641\u0638\u0629 \u0635\u063a\u064a\u0631\u0629\u060c \u0641\u0627\u0628\u062f\u0623 \u0628\u0623\u062f\u0644\u0629 \u0627\u0644\u0645\u0628\u062a\u062f\u0626\u064a\u0646 \u0641\u064a <a href=\"https:\/\/volity.io\/ar\/gold\/\">\u0642\u0633\u0645 \u0627\u0644\u0630\u0647\u0628<\/a>.<\/p>\n<p>\u0627\u0644\u062a\u0648\u0642\u064a\u062a \u0642\u0631\u0627\u0631 \u0645\u0646\u0641\u0635\u0644: \u064a\u062a\u0646\u0627\u0648\u0644 \u062f\u0644\u064a\u0644\u0646\u0627 \u062d\u0648\u0644 <a href=\"https:\/\/volity.io\/ar\/gold\/is-it-a-good-time-to-buy-gold\/\">\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0648\u0642\u062a \u0645\u0646\u0627\u0633\u0628\u064b\u0627 \u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0630\u0647\u0628<\/a> \u0627\u0644\u0634\u0631\u0627\u0621 \u0639\u0644\u0649 \u0645\u0631\u0627\u062d\u0644 \u0628\u0639\u062f \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0642\u064a\u0627\u0633\u064a \u0627\u0644\u0630\u064a \u0633\u062c\u0651\u0644\u0647 \u0627\u0644\u0630\u0647\u0628 \u0641\u064a 2026\u060c \u0648\u062a\u0648\u0636\u062d \u0645\u0642\u0627\u0631\u0646\u0629 <a href=\"https:\/\/volity.io\/ar\/gold\/best-gold-trading-platforms\/\">\u0623\u0641\u0636\u0644 \u0645\u0646\u0635\u0627\u062a \u062a\u062f\u0627\u0648\u0644 \u0627\u0644\u0630\u0647\u0628<\/a> \u062a\u0643\u0644\u0641\u0629 \u0635\u0641\u0642\u0629 \u0627\u0644\u0630\u0647\u0628 \u0639\u0644\u0649 \u0633\u0628\u0639 \u0645\u0646\u0635\u0627\u062a.<\/p>\n<h2 id=\"one-account\">\u0627\u062d\u0635\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u0639\u0631\u0636 \u0644\u0644\u0630\u0647\u0628 \u0648\u0627\u062d\u062a\u0641\u0638 \u0628\u0646\u0642\u062f\u0643 \u0641\u064a \u062d\u0633\u0627\u0628 \u0648\u0627\u062d\u062f<\/h2>\n<p>\u062d\u0633\u0627\u0628 Volity \u0648\u0627\u062d\u062f \u064a\u062c\u0645\u0639 \u0646\u0642\u062f\u0643 \u0627\u0644\u0645\u062e\u0635\u0635 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u062a\u0639\u0631\u0651\u0636\u0643 \u0644\u0644\u0630\u0647\u0628. \u064a\u0646\u062a\u0638\u0631 \u0646\u0642\u062f\u0643 \u0641\u064a <a href=\"https:\/\/volity.io\/ar\/wallet\/\">\u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u062a<\/a> \u0628\u062a\u0643\u0644\u0641\u0629 $0. \u0648\u062a\u062a\u0648\u0641\u0631 \u0639\u0642\u0648\u062f CFD \u0639\u0644\u0649 \u0627\u0644\u0630\u0647\u0628 \u0627\u0644\u0641\u0648\u0631\u064a \u0639\u0628\u0631 XAU\/USD \u0648XAU\/EUR\u060c \u0628\u0645\u0631\u0627\u0643\u0632 \u0634\u0631\u0627\u0621 \u0623\u0648 \u0628\u064a\u0639\u060c \u0639\u0644\u0649 <a href=\"https:\/\/volity.io\/ar\/trading-platforms\/gold-trading-platform\/\">\u0645\u0646\u0635\u0629 Volity \u0644\u062a\u062f\u0627\u0648\u0644 \u0627\u0644\u0630\u0647\u0628<\/a>. \u0648\u062d\u0633\u0627\u0628 Markets \u0628\u0644\u0627 \u0639\u0645\u0648\u0644\u0629\u060c \u0648\u064a\u0628\u062f\u0623 \u0645\u0646 $1 \u0645\u0639 \u062a\u0645\u0648\u064a\u0644 \u064a\u0628\u062f\u0623 \u0645\u0646 EUR 10\u060c \u0648\u064a\u062a\u064a\u062d \u0623\u064a\u0636\u0627 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0648\u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u062c\u0632\u0626\u064a\u0629 \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0631\u0629.<\/p>\n<p>\u0625\u064a\u062f\u0627\u0639\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0631\u0629 \u0648\u062c\u0645\u064a\u0639 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0633\u062d\u0628 \u0645\u062c\u0627\u0646\u064a\u0629\u060c \u0648\u062a\u062a\u0636\u0645\u0646 \u0643\u0644 \u0641\u0626\u0629 \u0645\u0646 \u0641\u0626\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u062d\u0633\u0627\u0628\u0627 \u062a\u062c\u0631\u064a\u0628\u064a\u0627 \u0645\u062c\u0627\u0646\u064a\u0627. \u0627\u0633\u062a\u062e\u062f\u0645\u0647 \u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0633\u0628\u0631\u064a\u062f \u0627\u0644\u062d\u064a \u0644\u0644\u0630\u0647\u0628 \u0648\u0645\u0639\u062f\u0644 \u0627\u0644\u0645\u0628\u064a\u062a \u0639\u0644\u0649 XAU\/EUR\u060c \u062b\u0645 <a href=\"https:\/\/volity.io\/ar\/\">\u0627\u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0643 \u0641\u064a Volity<\/a>. \u0648\u062a\u062c\u062f \u0627\u0644\u0631\u0633\u0648\u0645 \u0641\u064a <a href=\"https:\/\/volity.io\/ar\/charges-fees\/\">\u0635\u0641\u062d\u0629 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641<\/a>\u060c \u0648\u0645\u0632\u064a\u062f\u0627 \u0645\u0646 \u0627\u0644\u0623\u062f\u0644\u0629 \u0641\u064a <a href=\"https:\/\/volity.io\/ar\/gold\/\">\u0642\u0633\u0645 \u0627\u0644\u0630\u0647\u0628<\/a>. \u0648\u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0631\u0624\u0649 \u0627\u0644\u0633\u0648\u0642 \u0648\u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0627\u0644\u062a\u0639\u0644\u064a\u0645\u064a \u0648\u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0627\u0644\u0645\u0646\u0635\u0629\u060c \u0627\u0634\u062a\u0631\u0643 \u0641\u064a \u00ab\u0627\u0628\u062f\u0623 \u0623\u064a\u0627\u0645\u0643 \u0628\u0630\u0643\u0627\u0621 \u0623\u0643\u0628\u0631!\u00bb \u0645\u0646 Volity \u0623\u0633\u0641\u0644 \u0647\u0630\u0647 \u0627\u0644\u0635\u0641\u062d\u0629.<\/p>\n<blockquote><p><b>\u062a\u062f\u0642\u064a\u0642 \u0627\u0644\u062d\u0642\u0627\u0626\u0642:<\/b> \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0630\u0647\u0628 \u0647\u064a \u0633\u0639\u0631 LBMA \u0627\u0644\u0645\u0633\u0627\u0626\u064a \u0644\u0644\u0630\u0647\u0628\u060c \u0628\u0639\u062f \u0645\u0637\u0627\u0628\u0642\u062a\u0647\u0627 \u0645\u0639 <a href=\"https:\/\/www.gold.org\/goldhub\/data\/gold-prices\" target=\"_blank\" rel=\"noopener\">\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062c\u0644\u0633 \u0627\u0644\u0630\u0647\u0628 \u0627\u0644\u0639\u0627\u0644\u0645\u064a<\/a>. \u0648\u0623\u0633\u0639\u0627\u0631 \u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0645\u0623\u062e\u0648\u0630\u0629 \u0645\u0646 \u0625\u062d\u0635\u0627\u0621\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0623\u0633\u0631 \u062d\u062a\u0649 \u064a\u0648\u0644\u064a\u0648 2026\u060c \u0648\u0627\u0644\u062a\u0636\u062e\u0645 \u0645\u0646 \u0645\u0624\u0634\u0631 HICP \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u064a\u0648\u0631\u0648\u0633\u062a\u0627\u062a \u062d\u062a\u0649 \u0623\u063a\u0633\u0637\u0633 2026. \u0648\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u0645\u0623\u062e\u0648\u0630\u0629 \u0645\u0646 \u0635\u0641\u062d\u0627\u062a \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u064f\u0635\u062f\u0650\u0631\u0629\u060c \u0648\u0642\u0648\u0627\u0639\u062f \u0639\u0642\u0648\u062f CFD \u0645\u0646 FCA \u0648ESMA \u0648\u0635\u0641\u062d\u0627\u062a \u0627\u0644\u0648\u0633\u0637\u0627\u0621. \u062c\u0631\u0649 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0641\u064a 28 \u0633\u0628\u062a\u0645\u0628\u0631 2026. \u0648\u0646\u062a\u064a\u062c\u0629 \u0639\u0642\u062f CFD \u0645\u062b\u0627\u0644 \u062a\u0648\u0636\u064a\u062d\u064a.<\/p><\/blockquote>\n<h2>\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629<\/h2>\n<h3>\u0647\u0644 \u0627\u0644\u0630\u0647\u0628 \u0623\u0641\u0636\u0644 \u0645\u0646 \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631\u061f<\/h3>\n<p>\u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0645\u0646 2021 \u0625\u0644\u0649 2026 \u062d\u0642\u0642 \u0639\u0627\u0626\u062f\u0627 \u0623\u0639\u0644\u0649 \u0628\u0643\u062b\u064a\u0631: \u062a\u062d\u0648\u0651\u0644 \u0645\u0628\u0644\u063a EUR 10,000 \u0625\u0644\u0649 EUR 24,686 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0630\u0647\u0628 \u0631\u0633\u0648\u0645\u0647 0.12%\u060c \u0645\u0642\u0627\u0628\u0644 EUR 10,882 \u0641\u064a \u0648\u062f\u0627\u0626\u0639 \u0644\u0623\u062c\u0644 \u0633\u0646\u0629. \u0644\u0643\u0646 \u0627\u0644\u0630\u0647\u0628 \u0647\u0628\u0637 23.2% \u0628\u0627\u0644\u064a\u0648\u0631\u0648 \u0641\u064a 2026\u060c \u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u0645\u0636\u0645\u0648\u0646\u0629 \u062d\u062a\u0649 EUR 100,000 \u0648\u062a\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0642\u064a\u0645\u062a\u0647\u0627 \u0628\u0627\u0644\u064a\u0648\u0631\u0648. \u0627\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0644\u0644\u0645\u0627\u0644 \u0627\u0644\u0630\u064a \u0642\u062f \u062a\u062d\u062a\u0627\u062c\u0647.<\/p>\n<h3>\u0643\u0645 \u064a\u0633\u0627\u0648\u064a \u0627\u0644\u064a\u0648\u0645 \u0645\u0628\u0644\u063a 10,000 \u064a\u0648\u0631\u0648 \u0627\u0633\u062a\u064f\u062b\u0645\u0631 \u0641\u064a \u0627\u0644\u0630\u0647\u0628 \u0642\u0628\u0644 \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a\u061f<\/h3>\n<p>\u0646\u062d\u0648 EUR 24,834 \u0642\u0628\u0644 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641\u060c \u0625\u0630 \u0627\u0631\u062a\u0641\u0639 \u0627\u0644\u0633\u0639\u0631 \u0645\u0646 EUR 1,505.08 \u0644\u0644\u0623\u0648\u0646\u0635\u0629 \u0641\u064a 30 \u0633\u0628\u062a\u0645\u0628\u0631 2021 \u0625\u0644\u0649 EUR 3,737.79 \u0641\u064a 25 \u0633\u0628\u062a\u0645\u0628\u0631 2026 (\u0633\u0639\u0631 LBMA \u0627\u0644\u0645\u0633\u0627\u0626\u064a \u0644\u0644\u0630\u0647\u0628). \u0648\u062a\u062d\u0648\u0651\u0644 \u0645\u0628\u0644\u063a GBP 10,000 \u0625\u0644\u0649 \u0646\u062d\u0648 GBP 24,871\u060c \u0648\u0645\u0628\u0644\u063a USD 10,000 \u0625\u0644\u0649 \u0646\u062d\u0648 USD 24,449.<\/p>\n<h3>\u0647\u0644 \u0623\u0636\u0639 \u0643\u0644 \u0645\u062f\u062e\u0631\u0627\u062a\u064a \u0641\u064a \u0627\u0644\u0630\u0647\u0628\u061f<\/h3>\n<p>\u0644\u0627. \u0627\u062d\u062a\u0641\u0638 \u0623\u0648\u0644\u0627 \u0628\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0648\u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0630\u064a \u0633\u062a\u062d\u062a\u0627\u062c\u0647 \u062e\u0644\u0627\u0644 \u0628\u0636\u0639 \u0633\u0646\u0648\u0627\u062a \u0641\u064a \u0648\u062f\u064a\u0639\u0629 \u0645\u0636\u0645\u0648\u0646\u0629. \u0641\u0642\u062f \u0647\u0628\u0637 \u0627\u0644\u0630\u0647\u0628 44.6% \u0628\u0627\u0644\u062f\u0648\u0644\u0627\u0631 \u0645\u0646 2011 \u0625\u0644\u0649 2015\u060c \u0648 70.3% \u0645\u0646 1980 \u0625\u0644\u0649 1999\u060c \u0648\u0627\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0633\u0646\u0648\u0627\u062a \u0644\u064a\u062a\u0639\u0627\u0641\u0649\u060c \u0648\u0644\u0627 \u064a\u062f\u0631\u0651 \u0623\u064a \u0641\u0627\u0626\u062f\u0629 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u0627\u0646\u062a\u0638\u0627\u0631.<\/p>\n<h3>\u0647\u0644 \u0635\u0646\u062f\u0648\u0642 ETF \u0644\u0644\u0630\u0647\u0628 \u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u0627 \u0645\u0646 \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631\u061f<\/h3>\n<p>\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0645\u062e\u062a\u0644\u0641\u0629. \u0641\u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u0645\u0636\u0645\u0648\u0646\u0629 \u062d\u062a\u0649 EUR 100,000 \u0644\u0643\u0644 \u0645\u0648\u062f\u0650\u0639 \u0648\u062a\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0642\u064a\u0645\u062a\u0647\u0627 \u0628\u0627\u0644\u064a\u0648\u0631\u0648. \u0623\u0645\u0627 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0630\u0647\u0628 \u0627\u0644\u0645\u062f\u0639\u0648\u0645 \u0628\u0630\u0647\u0628 \u0645\u0627\u062f\u064a \u0641\u064a\u0645\u0644\u0643 \u0633\u0628\u0627\u0626\u0643 \u062d\u0642\u064a\u0642\u064a\u0629\u060c \u0644\u0643\u0646 \u0633\u0639\u0631\u0647 \u064a\u062a\u062d\u0631\u0643 \u0645\u0639 \u0627\u0644\u0630\u0647\u0628\u060c \u0648\u0642\u062f \u062a\u0631\u0627\u062c\u0639 23.2% \u0628\u0627\u0644\u064a\u0648\u0631\u0648 \u0645\u0646 \u0645\u0627\u0631\u0633 \u0625\u0644\u0649 \u064a\u0648\u0644\u064a\u0648 2026. \u0648\u0645\u0639\u0638\u0645 \u0647\u0630\u0647 \u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u0641\u064a \u0623\u0648\u0631\u0648\u0628\u0627 \u0645\u0646 \u0646\u0648\u0639 ETC \u0644\u0627 ETF.<\/p>\n<h3>\u0647\u0644 \u064a\u0645\u0643\u0646 \u0623\u0646 \u0623\u062e\u0633\u0631 \u0623\u0645\u0648\u0627\u0644\u064a \u0641\u064a \u0627\u0644\u0630\u0647\u0628\u061f<\/h3>\n<p>\u0646\u0639\u0645. \u0641\u0642\u062f \u0647\u0628\u0637 \u0627\u0644\u0630\u0647\u0628 23.2% \u0628\u0627\u0644\u064a\u0648\u0631\u0648 \u0645\u0646 2 \u0645\u0627\u0631\u0633 \u0625\u0644\u0649 16 \u064a\u0648\u0644\u064a\u0648 2026\u060c \u0648 36.8% \u0641\u064a 2012-2013. \u0648\u0645\u0639 \u0639\u0642\u062f CFD \u0628\u0627\u0644\u0631\u0627\u0641\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062a\u0623\u062a\u064a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0623\u0633\u0631\u0639\u060c \u0644\u0623\u0646 \u0647\u0628\u0648\u0637\u0627 \u0635\u063a\u064a\u0631\u0627 \u064a\u0644\u062a\u0647\u0645 \u062c\u0632\u0621\u0627 \u0643\u0628\u064a\u0631\u0627 \u0645\u0646 \u0647\u0627\u0645\u0634\u0643. \u0644\u0627 \u062a\u062d\u062a\u0641\u0638 \u0625\u0644\u0627 \u0628\u0642\u062f\u0631 \u0645\u0646 \u0627\u0644\u0630\u0647\u0628 \u062a\u0633\u062a\u0637\u064a\u0639 \u062a\u0631\u0643\u0647 \u062f\u0648\u0646 \u0623\u0646 \u062a\u0645\u0633\u0651\u0647 \u062e\u0644\u0627\u0644 \u0647\u0628\u0648\u0637 \u0643\u0647\u0630\u0627.<\/p>\n<h3>\u0643\u064a\u0641 \u0623\u0628\u062f\u0623 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0630\u0647\u0628 \u0628\u0645\u0628\u0644\u063a \u0635\u063a\u064a\u0631\u061f<\/h3>\n<p>\u0644\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0644\u0639\u062f\u0629 \u0633\u0646\u0648\u0627\u062a\u060c \u062a\u062a\u0642\u0627\u0636\u0649 \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0630\u0647\u0628 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0630\u0647\u0628 \u0645\u0627\u062f\u064a \u0627\u0644\u0623\u0642\u0644 \u062a\u0643\u0644\u0641\u0629 \u0646\u062d\u0648 0.12% \u0633\u0646\u0648\u064a\u0627. \u0648\u0644\u062a\u062f\u0627\u0648\u0644 \u062a\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u0630\u0647\u0628 \u0639\u0644\u0649 \u0645\u062f\u0649 \u0623\u064a\u0627\u0645 \u0623\u0648 \u0623\u0633\u0627\u0628\u064a\u0639\u060c \u064a\u0628\u062f\u0623 \u062d\u0633\u0627\u0628 Volity Markets \u0645\u0646 $1 \u0645\u0639 \u062a\u0645\u0648\u064a\u0644 \u064a\u0628\u062f\u0623 \u0645\u0646 EUR 10\u060c \u0648\u064a\u062a\u064a\u062d \u0639\u0642\u0648\u062f CFD \u0639\u0644\u0649 XAU\/USD \u0648XAU\/EUR. \u062c\u0631\u0651\u0628 <a href=\"https:\/\/volity.io\/ar\/\">\u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a \u0627\u0644\u0645\u062c\u0627\u0646\u064a<\/a> \u0623\u0648\u0644\u0627.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0623\u064a\u0647\u0645\u0627 \u0623\u0646\u0633\u0628 \u0644\u062c\u0632\u0621 \u0645\u0646 \u0645\u062f\u062e\u0631\u0627\u062a\u0643: \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0641\u064a \u0627\u0644\u0630\u0647\u0628 \u0623\u0645 \u0627\u0644\u0628\u0646\u0643\u061f \u0645\u0646 \u0646\u0647\u0627\u064a\u0629 \u0633\u0628\u062a\u0645\u0628\u0631 2021 \u0625\u0644\u0649 \u0623\u0648\u0627\u062e\u0631 \u0633\u0628\u062a\u0645\u0628\u0631 2026\u060c \u0646\u0645\u0627 \u0645\u0628\u0644\u063a EUR 10,000 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