كيف يخسر الناس أموالهم قبل أن يستثمروا؟ مع لميس نبيل — نائب رئيس قطاع الاستثمار في Azimut Egypt

هل فعلًا الاستثمار مخاطرة؟ ولا المشكلة في طريقة تفكيرنا عنه؟

في الحلقة دي من سلسلة أول صفر من بزنس بالعربي، بنتكلم بشكل بسيط وواقعي عن الاستثمار، البورصة، الخوف من الخسارة، وإزاي تبدأ تبني عقلية مالية صح حتى لو بمبلغ صغير.
ضيفتنا لميس نبيل — نائب رئيس قطاع الاستثمار في Azimut Egypt — شاركت بخبرة أكتر من 18 سنة في إدارة المحافظ وصناديق الاستثمار، واتكلمنا عن:

🔸 ليه الناس دايمًا بتربط البورصة بالخسارة
🔸هل الاستثمار فعلًا شبه القمار؟
🔸 أهم الأخطاء اللي بيقع فيها المستثمرين الجدد
• إمتى يكون الوقت المناسب للاستثمار؟
🔸هل ينفع تبدأ بـ 1000 جنيه؟
🔸 الفرق بين الاستثمار طويل المدى والمكسب السريع
🔸 إزاي تختار الشخص أو الجهة اللي تدير فلوسك؟
🔸تأثير التكنولوجيا والفينتك على الاستثمار
🔸ليه التنويع مهم جدًا في أي محفظة استثمارية

الحلقة دي لأي حد:
🔸لسه بيبدأ يفكر في الاستثمار
🔸خايف يدخل البورصة
🔸عايز يفهم الفلوس بشكل أذكى
🔸أو نفسه يبني مستقبل مالي أفضل خطوة بخطوة

لو الحلقة عجبتك: اعمل اشتراك في القناة، وشارك الحلقة مع أي حد محتاج يسمع الكلام ده .

🔶ضيفة الحلقة: لميس نبيل — نائب رئيس قطاع الاستثمار في Azimut Egypt
🔶أول صفرهو بودكاست متخصص في الاستثمار وأسواق المال باللغة العربية.
🔶خليك ديماً متابع الجديد في مكان واحد وحمل تطبيق بزنس بالعربي👇
https://m.mtrbio.com/BBA-Application

📌الموسم الأول من سلسلة أول صفر يأتيكم برعاية: Azimut invetments Egypt
 Looking at investing from a new perspective
 نزّل أبلكيشن azinvest وابدأ النهاردة👇
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Transcript

الاستثمار ربح وخسارة

SPEAKER_02 4:22

In the diamond ultil aflamit, my shekel mine. Wellaul had you best awul machsar anachir, anachsir fa misalim, le in the nez bitiksip, we bardu kelmet is the small mortbita, begilzamen, fil aflem, uh su l Otno with suit dahab with label ill beshabni lamalway filborsit l Otnuoli. Fa Hatiksa fiha o Hatakhsar Hasab Itiorak au ilfehmitak l investment lint upstri. Ili Bihsal in into Maptamichke Awyani Nesna Semana Sahm Sharfa Yalan Khush Wom Sharifa W the Oslam. Fahsar, Faiptizi ul Anachsirt Anaksurt Fal istusmordem kitir, u pillars kitiir, alashen, tarof tistemta bahaleut il istusmor.

فرق الأجيال في فهم الاستثمار

SPEAKER_06 6:14

Wei ugborul akto, elbichupia, bizatma a messagitismer outis elik ala sismorot kullium.

SPEAKER_02 6:20

Taphalina Ahmad Nerga Lewarakeda, Agiel Zemen Weldzi Waldak, Ken is Sismorbi Azzei. Hatlayum bihotu shadet fibnuk, awbi shteru akarot, awbihawishov dahab filbita, ma' tlehom shobi fokkaru, fa'ihagaborra keda, oyhagaborakeda di galot wumhotro. Elgildilwati, ba andu know-how, yani hatle ishabeb suyer applications, uptah invest. Wdem anenab tadinanifham in fi haget fil the smore rear in anahawish filusi was ifham intap tis tesmer field metzi tama returns, f all hate sabuto. Tabla winta way head mandak show day doriana. A winta batishtagal mishfodi in ninta teba da Doriana Bakamuzi this more, interp Tidzini flu subtode Maya, but tidia shoof risk appetite batak, tidia shoof inta mutawaka mini return at the e photro at the e Ubuteli Bamelec investment plan wa wintam shmotlumenak in every Yani now and then teteba and tabate I'm a wasal ehlitak maya hat tidi tallim list this more, Mahnahani Kalem Mabadala tool. Fahi zibor do Tori Atanya Nin Tatallum.

SPEAKER_06 7:42

So il Ochtho Lint which be Nesbituafi ha hatamil Sil the Gilit.

SPEAKER_02 7:46

El Ochto, Awul Hoto in a Nes, Lamatigitas Tesmer, Mabit Hotus Flus, Zieda An Echtyaga, Awul Meblah Ilho Mishmehteguf Aklu, Fistebe, Iste Talim, Homabi Umu, Maya Mablar, Aum Hot To Flusismore. Fabiteli Anab Amutwater Gidden, in the Meblar Da Sawe Filfotro, Tulla Aunizil, Beat Osur. Fa an Aul Hegelismana Hot of Flus Zieda and Echtiegi, Limodo Ta Wila Shwe.

SPEAKER_06 8:13

Hello, Yanismore, Here Flous, Zeeda Analytia Akliu Shore Bate Ul Hagedi, Food May Shweet Felus Mukonasm.

SPEAKER_02 8:21

Bizo, Mishlezim Flusita Bauda Delwe, Intacul Mayib Amaek Flus, Wudelehneb in Samil Incremental Investment Yani Intacula Maek Goods Is Yeda Mishlezim Ibarokom Kibir, Inshallah Elfignif Shoh, Hot Taha Wistas Mirha, Hatley Alafotro Tawila in Timel Mekese Azimo. Yani Anna Diddena Amsi Waraya Had Naamal Felusman Haga Fumdahla. Mamunk and Daikun lifetime high bataha. Lezembafahma Anabashtal Fi Wuma meen a shoof il in Nesalana Mzim Flusidul mean Telit Hagga Zamentault El Mudda. Yani Anna Beshufnel proper investment who mentalit lhamasin. Wha Hasebha Mudda Anam Schmeznu fiha mushmehtagha. Fatem elphignizi bookrobat elfumea andam swarhan mohana yani di sabha andabad the fotro hatiti shufil elfigni amaliti. Ufihler rehlitzi, kul swaya az a wood. Taban laudzana to wahtak o Idi Mahi kulil tools ilhnabnistasmer fiha very liquid. Mumkin siteha alga lil maksab. Beshoem fruod in l is the smore fluzi dan htegi andasai beha.

SPEAKER_06 9:54

Tabhal tobira tinness tot kulyum tteba uh nizil tulah mshar kalamda kullu uhi bi sabib mushkelay hadabi invest flu wala iltoryal tobi nana a teba asis morotla na mamel.

SPEAKER_02 10:08

Yanya la hasabinta lau shohseya, fehem ininta dehil to hotel investment z Mudda, fenta bitteba min mugora dininta tetaallim, aw in nininta te zawud law hasit in masan law masan equity market ilburso nizlichwaye, fenta flan andakinta hadzawut filwa tedafit um hotit, okay teba. Inamalu dahe amal aliq doht au uh haiwatoq, awatib akulyum btehut korod rolock, yibanta fakot to mut, in nininta midzi muzir yderlak fluusak, in hodem shilhadef. Ntalhadef in ninta tibamrteh. Bitteba ashan inta tista feed mission inta tbam twater.

SPEAKER_06 10:45

Tab an it's a of inhad bidir fuse toroze. Hirin no andu khibro andu shadet mahit kuluhatla basics la mato

ابدأ بالفائض وخطة تدريجية

SPEAKER_06 10:55

shwa share abilem flu amal hamashila kfusa ana bakalam na the dareis wda daris wuda dere su kulum der sinkwa is.

SPEAKER_02 11:03

E here kida, lama fruod R of senddubin isbari asan, wal a sendu senddu, wa il shakhseya, awal kawi ital money manager, awul fund manager, and atamal my taul haga b chu f company, ilhoa, inta dehilfi, ha, fabib alha history with track record, btiba either teteba il performance beta sana di hum ala modoristinin, fentap tuddr taim homa falan bi emilulak mak sabala la'sha. So my t home compared lil peers btif hale nzdi andalamabauza kutfirusi bhuda, helen nzdi, beteamilza mahna allna flus wala la. Almodwama baash sab, especially the fugul technology will social media, sah lininta ta'off, anil products uh shirkal inta dehil testasmir fi.

SPEAKER_06 11:50

Il akural ohto l'nessbitua fi have the smallest tahud loans tisma either senduda tallali flus hello, yolla na loans mil benuk, or hotel fluzi full investment. We a salmasy badisma. Let an anzi kusus uh Yaniana Ledinas bord up to t and I kid shofti ohtok tier.

SPEAKER_02 12:13

Anakananzi had gilita ban and telematogma client put to Bashaifabel Flusminin, Yan Fa Howa Gab Mablach Kwais, El Mablah de apparently Hua Baya Shah, Hwa Heya wah to sit on the telet oulit, Feya bait sha, who similet in the Burso, Batamel or com kibira gidden, Fahea, hotit ahlamha in the shahzzi had gibb talatua l talat oulet. Fadahalitwa f market, ken able nuzul Fabiteli kimit shahzi roh, falaba it adra gib sha wala telechua. Taimoda awul hagagolo techna ulneha ehnamin fashnehut falous asia we neb uh benin aliha hayatna finezemta ult behdu loans, ashan yes tas miru, who analis the smore hadafu in nana a maximized return, a shen amil hagged, mission nana echud loans wadein alashen accept the mafum rolot gidden, ubi halikut korod rolotle inintafdal ayad but teba kulyum elfilus.

SPEAKER_06 13:16

Thous yet bestin f sa to winter uslum does the small beamal a la tawil mead.

SPEAKER_02 13:22

Umukin tibia for what rolot la ninta bamas no filuse, fat alman premeta u tigit wulma sirt mohounta maamal to shil stepsil sahmel out.

SPEAKER_06 13:32

Hell in ten ye all a small a cleatwagamaa in how tawil mega is out say, uh haga fuse mission. Oh, minwig it no examples in Nakhawi Lam Mahad be focker flu smar.

SPEAKER_02 13:46

Anamasaran ha fee sandu equity fund easy for us, butana. Since inception, I am footume film. Lamagena naamil uh marketing lil fund uh tadit in this to hot bimabla ziada and say bital fuse and the hordo la mabigi bi bus be in no amal returned. A kit finis for rehla zizahabit we kizbit fi nes samelit me tin film, fine samalet me film maya, hasab dehalt emta. Lakinel ad mayam nil awa lagate in thehordo stemta returnsimo. Massa habeshle inhe canet haga, whoa mustasmirha long term.

SPEAKER_06 14:24

Ufori, akit bitinselutla, smoria. So borsa uhiru.

SPEAKER_02 14:31

Haga umrahof a investment all the way up. Hal akit fi ups and downs. Fabembeha, ehnan nafina heya il sahme bienzal fabembeha. Fa yanimafish, tulo kulilwa.

SPEAKER_06 15:01

Lemutkanimya ala u goodil technology dwati, u duhulha aala il shariketil traditional, il canet bdir funds of sanadi, ukata dechal zaima ala azimutol apps will fintech will technology will kalam the kolu. Eita thir l fintech, awl al technology al Malaya, ala shariketal is the small le canet mesh traditional toil adima zam.

SPEAKER_02 15:24

He faditna gidden, yan hetaban fiha pros and cons, b sayya il ifeda octor, awul hagga inta sahiltil process beta in nintatastasmer. Alta bait through il app, betemil onboarding fisanya, but hush, ta how will fusak b do tzuror, hatam zur, touch Ufaga atasmer fu kaza haga inta udemak mi chefal up, f awul hega sa hilit koror in intatestasmer zemain intakut lesn truhtifta a contract, shirka, utamil tahwil banky. Nimrat nin intaba zemanta utkalimna, udema kullisena diba sarha, fanta ba eight came, but follow, is this morota kamless day, u to door in into tamil shift, minister smore, list is more, hasab is the is this mare tatak. Any I still equity, I lax, I dishab, fasahit haroktak, is this mare. Nimrataleta roffit in this mean we ill is an a deal is the small muhtalifa, so as homes, our money markets, our gold, in this betebasama haga wahda, manesh anel products.

اختيار الصناديق ومدير الاستثمار

SPEAKER_02 17:27

Oh, say ma ba ullac it's the men, kennel is the smore uh sabit aw, my few risk, nest heb shteriakarot, taush flusha, to show fusa, my enter motfucker tahuishal filus that be a little min emit the fellus. Taban Howinta Laumaek Ashart Gini Elfigni Lawinta Hatata Kedah Mamel Tush Hag is the feti it's Yanni Daimana Ul Mafish right timing, well right value. Yani Mefish what is the small sah, how into Maek fellus ma guda, mishmehtagha firm Lestasmir. With a testes mirror have hagg inta for him. Um be away la Holocaun El Alfigni Lawenta Hotan Horda Uba Kalahag La went up to about Mura Tabak, Up Tamil Bodget Beteak and Tahat Fag at the Aklu Shorebo Tali, Ufud Kul Show Mabla, but it haptu f I fund them the fonzil muteha. Taila kidabada sinin, shoe fill mabla swayer and lint the shave and noyer than Amal came Uba came. Hm, Yani Mahida is Mafish Hagas Maha Rockom Kibir the Lua Ti Athole Diniam Rayaha, the Lua Ti Athole in the Dahabri Hushula maybe a mach fellus. Anna Yani Noshti Hatib Alic and fifty per cent minal fellusi nahuta fil equity market. Sanadi el asum. Le in rohumil volatility liptib il borsa, ele in asbatna in almodal tawil, el borsa heem in asan el haget ilbitazum is morok. Upta milak returns asaminal adawetal uh.

SPEAKER_06 20:46

Fa'ana ulak nahota kham seen lisit team filmia fil equity, nehu da ishrim film dahab wumumkin il ba'i mut nahotu money market o sandu ako mana oli kashat tiblifil cometsha tevgani ashti dahab asum asum dahab ilu ku asum win bashtevgni mukatushahis. Intan nohana swah geni.

SPEAKER_02 21:12

Hey sanadij is this more, heye sanediha ser wasirka. Ana fil echer balim mablach kibir kulyum, ubaruh ashtagal biha, sawa bashteri sabayik dahab, sawa bashteri asumfilburse. Wintab Tehud ala adad el wasoyh lintasheribha, sherimit wasika, sherikhamsin wasika, sherry ashar telefwasirka. Fil echir return dele mabigi bitwaza ala adad el wasoyh, fent upanleck and texip adi.

SPEAKER_06 21:39

Tabahel fi Hagetmin di uhia compliant or Hagedi Sharia compliant uh Mofko li talim or conin sharia l'hai?

SPEAKER_02 21:48

Fi products mach sousa uh le Sharia compliant we uh Fi Sanadi equity marketal Sharia uh easy sharia and dinner dinner? Hodal Hai Alamal Kobal Mele.

SPEAKER_06 22:02

Hello. Another worthy Maya Loana gid the right to it. Isa Hot of Asum, Hal Dama Aniha and Nana Amtalik Dahabelik Sahnif Shirka and Aliam Milkeafia or Leafi Wilfer Ibane Kulu Hadafi. Wahal Anamasan hot title fluze the Ilmuflu Amelbadma Hotit Fluzbell percentages the at Amel Malmud was a hell am Teber Hagidia Tool, a Teba e a harf in the Haganis percentages malwata al hasabhtiagi or amility.

SPEAKER_02 22:51

Bus Mabdayan enter and the horda maptishal for sandu the hub

الذهب والأسهم والتوافق الشرعي

SPEAKER_02 22:55

or fe the hab fairly ill shirkam bitamitalicus. Faintan the horda lemaptigi trochle seer, I shame to steady guinea the hub. Listen, Mike, premit the guinea gamla, sa Ulamatizini Falfola Hamas the L Guinea had a tor guinea. La winter sandu the hub and a misboffed alike, rockom kibir, premi to sabik. And a mabler mike, hatar of the steady becom, Ul was here, sabik the hub. Lematigi bea, f for on the nintamus the smart meat alphigni, Umasnu Fashirin Alphigni, Mishutter Bia, Elmeya, Sa had bea Lintamaznu feel ashrin alphabelaxufenis and a Dab, Sadit and Ninta Mishleism to Ruh Tishteri Meblachibir Hagam, and Tabaya Hagamak or Totanida. Hagatania, he mana tanda crisk tahzin. Manatan Chris and Ninta unterhleteri out to be at itsotur was a hellitale investment process. Nefsel kust of Asum and Taptishteri El Sandu Damobi Steri Asum Shariket, Fantamtalik Fukul Shariketzi, Blacks and Talush Tariq Belfigni, Hatateri, Sa Sahmeen and a Sandu Anzi Bibafi diversification, yani bibafi, el sendu fi kataat muhtalifa, be shariquet u asum muqtalifa. We sendu bi dzik hybrid muziril is this more and ubiachut kararot, iszei hajtharrok, zilba anzaim kunemnikalim in elwadal oktasodi, we e tahrik omle, ayi akbor anishirke, il muzir Biyarov, Yachut Kharot Beya Wishira, Afdal, Minan Mustasmer il Mandushwa ta omjderis.

SPEAKER_06 24:39

Mun wikit nozlik, izzei Alwahikwina Mofrunieta Amal Ma Elflus El Mel Ahmatam.

SPEAKER_02 24:44

Huayzin Immelfilus, Yani Inta, Ayes Ilhadf Milfilus.

SPEAKER_06 24:53

Uh offer talin kwa islauladi. Nana Nifsi comand comesana gibara deed nana eyes safer.

SPEAKER_02 25:03

Tai fi hagatanya has alelek. Il expectations beta tagzi.

SPEAKER_06 25:07

No, Iza retired battery.

SPEAKER_02 25:12

Realistic kulaha, well if you haget extreme.

SPEAKER_06 25:16

Fi haget realistic, uh fi mixy and realistic nana eyes other odd lady madresko is uh bad shwa can dipsy fee extreme. Hagel wahila mukolire bad is way. Oh uh semi-retired income dechil fana khara eyes takel how much tegal the coral.

SPEAKER_02 25:45

Feark, nice man the homesh expectations yeah. How well fellus besop the hai had a four ho away hiddehil berocom eyes rockum doyot, but the nozzer an eye heg. I refue falous, why if I stem be a mumkin niptidin hottoho, hasabl appetite betatak, hasab a defak, hasab ilwa tekenia andamumkin a hot tuk for money market fundi we dig il installments betat talim, I stem retirement plan betatak, fandak hit the mumkin, techut fiha risk, mish for the sora mwayan, ehn fil echer binikalim in the investorsmore, hey, max up saria, filus kitir, heem shkida, heyfi o ethnobnhsar, aw denya ptenzil, fantalism yib'an dak, sabr.

SPEAKER_06 26:51

Tobinti octorl es illa, il tits illik, uh al hagetil bit bani b gilikitir, minus mit stasm baggy eyes tess mag.

SPEAKER_02 27:04

Diamond, diamond, la il denya hello, we returns hello, ehna le returns mish octor minkit. Wella madinya, masalam matebish hello seh. Macharognoshli nohrug nurfin, yanyi ohin the stasman Muda Tawila Yagama Dahlin, ala little sinin, Achrug imtawethul emta. Aumri omri w Yanya Udaiman Dibordun Otanyan Hakalim Fia, in a nezbetoa f Nes Maptefamsh Auno Sabin.

SPEAKER_06 27:37

Intag W off da med Dagamira Gidan, Likul Nosabin Mugin, Ana Giblaq mitin Filmea, Fihlal Shoh, Wishalin, wa Gibel Khamas beauty nepsaq biha k sanagaia wahatir cabrail kazzal mjaref ilm Burgini uhan san R of il equasin Z can Zamania.

SPEAKER_02 28:01

Yani fahness, lazem yib and theha subru fihim, yani ilitnin.

SPEAKER_06 28:07

Andish o to high to cut haiya and muk tickshabbixabala tool, um tool in what'm that's a small o' eta lint up tiksar fiha dabi a right timing and three invest Yani Terga Titulteni. Hot to fluze the fish a kid kit ra kwa yesab to ba undervalued with the Yani Tokimam Shai da Kaima alamin kidabas stock but an isl for shteri

التوقعات والصبر وقت الأزمات

SPEAKER_06 28:35

wokter.

SPEAKER_02 28:39

What il azemit, sowa uh financial crisis, corona, sawrot, ilwa teda, it dinya, akidma tbashmu stoker, fukulatlist moral landak. Da kan ahsan wata nih n shtifi innis finis batany ket bitamili, ketbid dia, wa ilha weamil Fahia il-fikre in intabis tib efehim inta eha de fakmilfruus intai's minhei.

SPEAKER_06 29:06

Had the khali kampf shokh. Oh, that's what begin yeah in takidam shis smore in takeda trohtua bank low dan tight. Marin ba ish tiki uhim shi la salam shispa way. Tabhalous bayba to lap shel baddy sopta roham kidda. Uh w mekinta hotfi dick for except, ohsa ku a DNS Balfus Jai. Bes Besobira Bahim Modabiahud Mud the Otwall, uh Mukriam returns octo bictierman la sho, Hamashaf me, Besala Snin Otwal, for we dick goes Linda I see femunta ha in the small high could mud the otwol, haya could men dick return ala, bes aala mud otwol, we inzil weitla, yemma intel ana Izahlify the share, bes demas mushis smore.

SPEAKER_02 29:50

La Ucaman Hegga Hazawida, Mat is the smirch fahagawahat. Lazimib anda diversifi diversification f portfolio ktak. Ya ni mish mafish is the small way headhoal sah. Hatala winisa binna and a wintakalifid da according lichna shafin e will risk kiptana ewul wa tes is sah andta tastasmir fikaza heg il sanadi itd forsa laziza.

SPEAKER_06 30:14

Taba ness mishmutayel ininta deluati monk machine alfigni awal okay mustasmer real estate wehab uh fabda wsahad that tibli pongagnoon dab illa saswhgne uh uh real estate illa bahgni uh fee dip as home fee sanadi but a stasmer fee a real estate to the stasm fieldsa me sahubians a bit la mike most boat.

SPEAKER_02 30:43

With the wati ba fi technology it lina for us hello f fractional ownership for for real estate of sabika hatal bit asteri sabiq t shteri wasika ba added fusak, we feel echitergim and nana basteri bag mail mablach sabaik the howish the howush lag maybe and the climate sabika or life and no sahabit inta dia with tiksabtek hat fook el sabika kula.

SPEAKER_06 31:33

Bahottulu l tadifum or keda kedal my temba Iishrin sana shin sana tomtoshana o kedetraham uh didul el figni oral metingini or away to hell kidding. Can you fuse to share for you take so deabody come settled for like tomato child.

SPEAKER_02 32:11

Anna pedit my ebni uh flush, we have the yet Yusuf Anna has to be a must and a gift and a cat if you had a lot of people. Awul Hagar have the laul yarit Lamatig Stasmer, Matim Shishwara had hotish expectations a la Menal Walker. With Hegel and Inta Almer Research will see in that stasmer, I had the had the Estas Merlec in a Tarov interestmirfy. Will expected returns at the Alashan Internafsack Mopsud will be stasmer. Then Haga Mafish what got the moyen to stashmir fee, who a cool to and subat Aimabla Zedan Etega Kotu, we seebu, mudda, timing Muhemigidan, Mishbukra, Mish Badu, Sibu Muda, Yehud Cycle Muhtarama, Fiha Tulu or Winzul, Ashemphil Echer Yamelak decent return.

SPEAKER_06 33:54

Falasin tahuda care.

خلاصة سريعة ودعوة للمتابعة

SPEAKER_06 33:55

Mishka Zemu Shadowlipkid. Went the subsman right, I'm share, subscribe, I tibinal I S Lamis away doofum stabble, of ticker, law went up to tedi. Min Aysif, If Tidi Mayana, Min Owl Sif, my business with Arby, and Shuff Halak Dida Minf. Salaam Alik.