At the A1 level, you should recognize 'sarmāye' as 'money' or 'capital'. You might see this word in very basic contexts about banks. You don't need to conjugate it perfectly yet, but knowing that 'sarmāye-gozāri' is about 'putting money' is a great start. Example: 'I have money' (Man sarmāye dāram).
At the A2 level, you can use the full phrase 'sarmāye-gozāri kardan' to talk about simple plans. You can say you want to invest in a house or a car. You understand that it is a compound verb where 'kardan' changes. You can use it in the present and simple past tense to describe your financial habits.
At the B1 level, you can discuss the reasons for investing. You can use prepositions like 'dar' and 'ru-ye' correctly. You can talk about 'risk' (risk) and 'profit' (sud) in relation to investing. You can participate in basic conversations about the economy and express your opinion on where to invest.
At the B2 level, you use the word in more complex grammatical structures, such as conditional sentences ('If I had more money, I would invest...'). You are familiar with different types of investment like 'stocks' (sahām) and 'real estate' (maskan). You can read news articles about the economy and understand the nuances of 'foreign investment'.
At the C1 level, you can use the word in academic or professional settings. You understand the difference between 'sarmāye-gozāri-ye mostaghim' (direct investment) and other financial instruments. You can debate the ethics of certain investments and write detailed reports using the term in various tenses and voices (passive/active).
At the C2 level, you have a masterly grasp of the term, including its metaphorical and idiomatic uses. You can discuss complex economic theories involving 'capital accumulation' (anjām-e sarmāye). You recognize the word in classical-style modern literature where 'capital' might refer to one's life or soul.

سرمایه گذاری کردن in 30 Sekunden

  • Sarmāye-gozāri kardan means to invest money or resources for future profit.
  • It is a compound verb: Sarmāye (capital) + Gozāri (placing) + Kardan (to do).
  • Commonly used with prepositions 'dar' (in) or 'ru-ye' (on).
  • Essential for discussing business, economy, and personal growth in Persian.

The Persian verb سرمایه گذاری کردن (sarmāye-gozāri kardan) is a compound verb that translates directly to "to invest" or "to do capital-placing." At its core, it describes the act of committing resources—most commonly money, but also time, energy, or intellectual effort—to a particular endeavor with the expectation of achieving a profit or a positive outcome in the future. In the modern Iranian context, this term is ubiquitous in news broadcasts, banking halls, and casual conversations about the economy. It combines the noun sarmāye (capital/wealth) with the gerund gozāri (from the verb gozāshtan, meaning to place or put) and the auxiliary verb kardan (to do).

Financial Context
This is the primary usage. It refers to buying stocks (سهام), real estate (املاک), or gold (طلا). When an Iranian says they want to protect their money against inflation, they use this verb to describe moving their cash into assets.
Personal Development
Metaphorically, it is used for self-improvement. For example, 'Investing in your education' (سرمایه گذاری روی آموزش خود) is a common phrase used by mentors and parents to encourage students.
Social and Emotional
You might hear it in the context of relationships, where someone 'invests' time and emotion into a friendship or a marriage, implying a long-term commitment for a 'return' of happiness and stability.

ما تصمیم گرفتیم روی این پروژه جدید سرمایه گذاری کنیم تا در آینده سود ببریم.

— Translation: We decided to invest in this new project to make a profit in the future.

The verb is highly formal in its construction but used across all registers of speech. Whether you are reading a high-level economic report or talking to a taxi driver about the price of gold, the term remains the same. It reflects a mindset of looking toward the future, a concept deeply embedded in Persian culture through the history of trade and the Silk Road. Understanding this word is essential for anyone wishing to navigate Persian social dynamics, as the topic of 'where to put one's money' is a common icebreaker and a serious point of discussion in daily life.

بهترین سرمایه گذاری، سرمایه گذاری روی دانش است.

— Translation: The best investment is an investment in knowledge.

Using سرمایه گذاری کردن requires understanding its grammatical structure as a compound verb. The auxiliary verb kardan (to do) is the part that changes according to tense, person, and number, while sarmāye-gozāri remains constant. The most important thing for learners to master is the choice of preposition. In Persian, you usually invest 'in' something using the preposition در (dar) or 'on' something using روی (ru-ye).

Present Continuous
'I am investing': من دارم سرمایه گذاری می‌کنم (Man dāram sarmāye-gozāri mikonam). This is used when the process is currently happening, like setting up a bank account.
Future Intent
'We will invest': ما سرمایه گذاری خواهیم کرد (Mā sarmāye-gozāri khāhim kard). This is more formal. In casual speech, you might say: ما می‌خواهیم سرمایه گذاری کنیم (We want to invest).

دولت باید در بخش آموزش بیشتر سرمایه گذاری کند.

— Translation: The government must invest more in the education sector.

When discussing the amount of investment, you place the amount before the verb. For example: 'He invested ten million Tomans' (او ده میلیون تومان سرمایه گذاری کرد). If you are talking about 'where' the money is going, the preposition 'dar' is the standard choice for industries or markets (in the stock market - در بورس), while 'ru-ye' is often used for specific objects or people (on this building - روی این ساختمان).

آیا شما تا به حال در ارزهای دیجیتال سرمایه گذاری کرده‌اید؟

— Translation: Have you ever invested in cryptocurrencies?

In contemporary Iran, سرمایه گذاری کردن is a word that echoes through various layers of society. You will hear it most frequently in the following environments:

  • The Evening News (Akhbar): Every night, economic analysts discuss foreign investment (سرمایه گذاری خارجی) and the challenges of domestic investment (سرمایه گذاری داخلی).
  • Family Gatherings (Mehmāni): It is very common for relatives to discuss whether it is a good time to invest in a new apartment or if they should stick to the gold market.
  • Banking and Finance: When you open a savings account or a fixed-deposit account, the bank clerk will use this term to describe your action.
  • Start-up Culture: In Tehran's growing tech scene, entrepreneurs are constantly looking for 'investors' (سرمایه گذار) and talking about 'investing' in new technologies.
News Headline Example
'افزایش تمایل مردم برای سرمایه گذاری در بورس' (Increase in people's tendency to invest in the stock exchange).
Business Meeting
'ما باید روی تحقیق و توسعه سرمایه گذاری کنیم.' (We must invest in research and development).

پدرم همیشه می‌گوید: 'روی چیزی سرمایه گذاری کن که بتوانی آن را ببینی.'

— Translation: My father always says: 'Invest in something that you can see' (referring to physical assets).

Even for intermediate learners, سرمایه گذاری کردن presents a few linguistic hurdles. The most common errors involve spelling, auxiliary verb choice, and prepositional confusion.

The 'Gozar' vs 'Gozār' Dilemma
In Persian, there are two roots that sound similar: 'گذار' (placing) and 'گزار' (performing/reporting). For 'investing', it is ALWAYS 'گذاری' with the letter 'ذ' (zāl). Using 'گزار' is a common spelling mistake even for native speakers.
Wrong Auxiliary Verb
Learners sometimes try to use 'dāshtan' (to have) or 'shodan' (to become) incorrectly. While 'sarmāye-gozāri shodan' exists (to be invested), the active act is always 'kardan'.
Preposition Errors
Using 'be' (to) instead of 'dar' (in) is a common transfer error from English ('invest to...'). In Persian, you invest 'in' the market.

اشتباه: من در بورس سرمایه گزاری کردم. (غلط املایی)

— Correct: سرمایه گذاری (with 'ذ')

While سرمایه گذاری کردن is the most precise term for investing, there are several related words that cover different nuances of financial and personal management.

پس‌انداز کردن (Pas-andāz kardan)
Meaning 'to save'. This is the act of putting money aside (in a jar or a basic bank account) without necessarily expecting it to grow through market activity. Investing is active; saving is passive.
تأمین مالی کردن (Ta'min-e māli kardan)
Meaning 'to finance'. This is usually used from the perspective of a company or government finding the funds for a project, whereas investing is the perspective of the person providing the funds.
مشارکت کردن (Moshārekat kardan)
Meaning 'to partner/participate'. Often used when two people invest together in a business. 'We partnered in this shop' (ما در این مغازه مشارکت کردیم).

او به جای سرمایه گذاری، فقط پولش را پس‌انداز می‌کند.

— Translation: Instead of investing, he just saves his money.

In a more informal or slang context, you might hear people say 'pool gozāshtan' (putting money), which is a simplified version of investing. However, for any professional or serious discussion, 'sarmāye-gozāri kardan' remains the gold standard.

How Formal Is It?

Wusstest du?

The 'sar' (head) in sarmāye is the same root as 'caput' in Latin, which gives us the English word 'Capital'. Both languages use the 'head' metaphor for the main sum of money!

Aussprachehilfe

UK sæɾmɒːje ɡozɒːɾiː kæɾdæn
US sæɾmɑje ɡozɑɾi kæɾdæn
The primary stress in 'sarmāye-gozāri' is on the last syllable of the noun part ('ri'). In 'kardan', the stress is on the first syllable ('kar').
Reimt sich auf
داری (dāri) کاری (kāri) فراری (farāri) بهاری (bahāri) یادگاری (yādegāri) همکاری (hamkāri) سوگواری (sogvāri) آبیاری (ābyāri)
Häufige Fehler
  • Pronouncing 'gozāri' as 'gozari' (short 'a'). It must be long.
  • Swapping the 'z' sounds. The 'z' in gozāri is a 'zāl' (ذ), though in modern Persian it sounds like a regular 'z'.
  • Merging the two words into one without a slight pause.
  • Pronouncing 'sarmāye' like 'sarmay' (missing the final 'e' sound).
  • Over-emphasizing the 'r' in 'kardan' like an American 'r'; it should be a light tap.

Schwierigkeitsgrad

Lesen 3/5

The word is long but follows standard compound verb patterns.

Schreiben 4/5

Spelling 'gozāri' with 'zāl' (ذ) is tricky for many.

Sprechen 3/5

The pronunciation is rhythmic and easy once learned.

Hören 2/5

It is a very distinct and frequently repeated word in news.

Was du als Nächstes lernen solltest

Voraussetzungen

پول (Money) کردن (To do) گذاشتن (To put) سود (Profit) بازار (Market)

Als Nächstes lernen

تورم (Inflation) سهام (Stocks) ارز (Currency) دارایی (Assets) ریسک (Risk)

Fortgeschritten

سفته‌بازی (Speculation) رانت (Rent-seeking) نقدینگی (Liquidity) تراز تجاری (Trade balance) خصوصی‌سازی (Privatization)

Beispiele nach Niveau

1

من سرمایه ندارم.

I don't have capital.

Simple present of dāshtan.

2

سرمایه یعنی پول.

Sarmaye means money.

Simple definition sentence.

3

او پولش را در بانک می‌گذارد.

He puts his money in the bank.

Gozāshtan is the root of gozāri.

4

بانک برای سرمایه خوب است.

The bank is good for capital.

Basic adjective use.

5

آیا شما سرمایه دارید؟

Do you have capital?

Question form.

6

من می‌خواهم سرمایه گذاری کنم.

I want to invest.

Want + infinitive (shortened).

7

این یک سرمایه بزرگ است.

This is a big capital.

Noun + adjective (ezāfe).

8

او در بازار کار می‌کند.

He works in the market.

Contextual word for investment.

1

من روی این خانه سرمایه گذاری کردم.

I invested in this house.

Simple past tense.

2

ما باید در بورس سرمایه گذاری کنیم.

We must invest in the stock market.

Modal 'bāyad' + subjunctive.

3

او هر ماه کمی سرمایه گذاری می‌کند.

He invests a little every month.

Present habitual.

4

چرا سرمایه گذاری نمی‌کنی؟

Why don't you invest?

Negative question.

5

سرمایه گذاری در طلا امن است.

Investing in gold is safe.

Gerund as subject.

6

آن‌ها در شرکت ما سرمایه گذاری کردند.

They invested in our company.

Compound verb in past tense.

7

آیا سرمایه گذاری خطرناک است؟

Is investing dangerous?

Simple question with adjective.

8

من برای آینده سرمایه گذاری می‌کنم.

I invest for the future.

Preposition 'barāye'.

1

اگر پول داشتم، در ملک سرمایه گذاری می‌کردم.

If I had money, I would invest in property.

Conditional type 2.

2

او با سرمایه گذاری در ارز دیجیتال سود زیادی برد.

He made a lot of profit by investing in cryptocurrency.

Gerund phrase with 'bā'.

3

سرمایه گذاری روی بچه‌ها بهترین کار است.

Investing in children is the best thing.

Metaphorical use.

4

دولت در حال سرمایه گذاری روی انرژی‌های نو است.

The government is currently investing in new energies.

Present continuous (dar hāl-e).

5

قبل از سرمایه گذاری باید تحقیق کنید.

You must research before investing.

Prepositional phrase with infinitive.

6

او تمام دارایی‌اش را سرمایه گذاری کرد.

He invested all of his assets.

Direct object with 'rā'.

7

سرمایه گذاری در این پروژه ریسک بالایی دارد.

Investing in this project has a high risk.

Subject-verb agreement.

8

ما به دنبال یک سرمایه گذار مطمئن هستیم.

We are looking for a reliable investor.

Noun form 'sarmāye-gozār'.

1

سرمایه گذاری خارجی می‌تواند اقتصاد را متحول کند.

Foreign investment can transform the economy.

Complex subject with modal 'tavānestan'.

2

او به جای مصرف‌گرایی، به سرمایه گذاری روی آورد.

Instead of consumerism, he turned to investing.

Compound verb 'ru āvardan'.

3

بدون سرمایه گذاری مناسب، رشد صنعتی ممکن نیست.

Without proper investment, industrial growth is not possible.

Negative conditional structure.

4

آن‌ها در حال بررسی فرصت‌های سرمایه گذاری هستند.

They are examining investment opportunities.

Ezafe construction 'forsat-hā-ye sarmāye-gozāri'.

5

سرمایه گذاری بلندمدت معمولاً سودآورتر است.

Long-term investment is usually more profitable.

Compound adjective 'boland-moddat'.

6

او تخصص خود را برای سرمایه گذاری در تکنولوژی به کار برد.

He used his expertise to invest in technology.

Purpose clause.

7

سرمایه گذاری در آموزش، فقر را کاهش می‌دهد.

Investing in education reduces poverty.

Abstract cause and effect.

8

بانک مرکزی نرخ سرمایه گذاری را اعلام کرد.

The central bank announced the investment rate.

Formal administrative Persian.

1

تنوع بخشیدن به سبد سرمایه گذاری، ریسک را به حداقل می‌رساند.

Diversifying the investment portfolio minimizes risk.

Advanced financial terminology.

2

سرمایه گذاری جسورانه نقش مهمی در شکوفایی استارتاپ‌ها دارد.

Venture capital plays an important role in the flourishing of startups.

Terminology: 'sarmāye-gozāri-ye jasurāne'.

3

عدم ثبات اقتصادی مانع بزرگی برای سرمایه گذاری است.

Economic instability is a major barrier to investment.

Abstract noun phrase as subject.

4

او با دیدگاهی استراتژیک در صنایع پتروشیمی سرمایه گذاری کرد.

He invested in petrochemical industries with a strategic perspective.

Adverbial phrase 'bā didgāhi esterātejik'.

5

سرمایه گذاری مستقیم خارجی (FDI) محرک توسعه است.

Foreign Direct Investment (FDI) is a driver of development.

Acronyms and formal definitions.

6

باید بین سرمایه گذاری و سفته‌بازی تفاوت قائل شد.

One must distinguish between investment and speculation.

Passive/Impersonal construction.

7

سرمایه گذاری روی زیرساخت‌ها، بنیان رشد اقتصادی است.

Investing in infrastructure is the foundation of economic growth.

Metaphorical 'bonyān'.

8

او با سرمایه گذاری در بخش خصوصی به اشتغال‌زایی کمک کرد.

He helped create jobs by investing in the private sector.

Gerund as a means of action.

1

سرمایه گذاری در سرمایه انسانی، پایدارترین نوع توسعه است.

Investing in human capital is the most sustainable type of development.

Advanced sociological concept.

2

او تمام هستی خود را در راه عشق سرمایه گذاری کرد.

He invested his entire being in the path of love.

Literary/Metaphorical use.

3

سرمایه گذاری‌های کلان دولتی اغلب با بوروکراسی همراه است.

Large-scale government investments are often accompanied by bureaucracy.

Pluralization of compound nouns.

4

تحلیلگران بر لزوم سرمایه گذاری در حوزه‌های دانش‌بنیان تأکید دارند.

Analysts emphasize the necessity of investing in knowledge-based fields.

Complex prepositional verbs.

5

سرمایه گذاری در بازارهای نوظهور مستلزم تحلیل دقیق ریسک است.

Investing in emerging markets requires precise risk analysis.

Formal requirement verb 'mostalzem'.

6

او با سرمایه گذاری در هنر، به حفظ میراث فرهنگی کمک کرد.

By investing in art, he helped preserve cultural heritage.

Instrumental clause.

7

سرمایه گذاری در بخش سلامت، هزینه‌های آتی را کاهش می‌دهد.

Investing in the health sector reduces future costs.

Economic forecasting language.

8

روند سرمایه گذاری در دهه‌ی اخیر با نوسانات شدیدی همراه بوده است.

The investment trend in the last decade has been accompanied by severe fluctuations.

Perfect tense with duration.

Synonyme

پول گذاشتن تأمین اعتبار کردن مشارکت کردن خرید سهام تخصیص سرمایه بنیان نهادن سپرده‌گذاری کردن ارزشیابی کردن

Gegenteile

خرج کردن برداشت کردن تلف کردن فروختن دارایی

Häufige Kollokationen

سرمایه گذاری خارجی
سرمایه گذاری بلندمدت
فرصت سرمایه گذاری
سرمایه گذاری در بورس
سرمایه گذاری روی خود
نرخ سرمایه گذاری
سرمایه گذاری مستقیم
امنیت سرمایه گذاری
سرمایه گذاری خطرپذیر
جذب سرمایه گذاری

Häufige Phrasen

سرمایه گذاری روی آموزش

— Spending money or time to learn new skills.

سرمایه گذاری روی آموزش همیشه جواب می‌دهد.

سرمایه گذاری در املاک

— Buying property as an investment.

سرمایه گذاری در املاک در تهران پرسود است.

سرمایه گذاری مطمئن

— A low-risk investment.

طلا یک سرمایه گذاری مطمئن است.

سرمایه گذاری خطرناک

— A high-risk investment.

سرمایه گذاری در استارتاپ‌ها گاهی خطرناک است.

سرمایه گذاری دولتی

— Money put into projects by the government.

سرمایه گذاری دولتی در راه‌سازی زیاد است.

سرمایه گذاری بخش خصوصی

— Investment made by individuals or non-govt companies.

بخش خصوصی باید بیشتر سرمایه گذاری کند.

مشاوره سرمایه گذاری

— Getting advice on where to put money.

من به مشاوره سرمایه گذاری نیاز دارم.

صندوق سرمایه گذاری

— An investment fund.

پولم را در صندوق سرمایه گذاری گذاشتم.

سرمایه گذاری مشترک

— Investing together with others.

آن‌ها یک سرمایه گذاری مشترک انجام دادند.

سرمایه گذاری کلان

— Large-scale investment.

این پروژه به سرمایه گذاری کلان نیاز دارد.

Redewendungen & Ausdrücke

"سرمایه گذاری روی اسب بازنده"

— To invest in something that is destined to fail.

او با خرید آن شرکت، روی اسب بازنده سرمایه گذاری کرد.

Informal
"تمام تخم‌مرغ‌ها را در یک سبد گذاشتن"

— While not using the word 'invest', this idiom is the most common advice given against bad investment (putting all resources in one place).

در سرمایه گذاری، هیچ‌وقت تمام تخم‌مرغ‌هایت را در یک سبد نگذار.

General
"خشت اول را کج گذاشتن"

— To start a project (or investment) incorrectly, leading to future failure.

اگر در سرمایه گذاری خشت اول را کج بگذاری، تا ثریا کج می‌رود.

Literary/Proverb
"پول روی پول گذاشتن"

— To continuously accumulate wealth through investment.

او با سرمایه گذاری درست، مدام پول روی پول می‌گذارد.

Informal
"کاشت و برداشت"

— The cycle of investment (planting) and profit (harvesting).

حالا وقت کاشت (سرمایه گذاری) است تا بعداً برداشت کنیم.

Metaphorical
"دل به دریا زدن"

— To take a big risk, often used when someone makes a bold investment.

او دل به دریا زد و تمام پولش را سرمایه گذاری کرد.

Informal
"آینده‌نگری کردن"

— To look ahead, often synonymous with the mindset of investing.

او با سرمایه گذاری، در واقع آینده‌نگری کرد.

Neutral
"سرمایه ملی"

— Referring to something (like a famous person or a forest) as a national treasure/capital.

تخت جمشید یک سرمایه ملی است.

Formal
"بر باد دادن سرمایه"

— To lose all invested capital/wealth.

او با قمار، تمام سرمایه‌اش را بر باد داد.

Literary
"خواباندن پول"

— To keep money in an asset where it isn't liquid (e.g., land) for a long time.

او پولش را در زمین خوابانده است.

Informal/Market

Wortfamilie

Substantive

سرمایه (Capital)
سرمایه گذار (Investor)
سرمایه گذاری (Investment - the act)
سرمایه داری (Capitalism)

Verben

سرمایه گذاری کردن (To invest)
سرمایه گذاری شدن (To be invested)
سرمایه اندوختن (To accumulate capital)

Adjektive

سرمایه گذارانه (Investment-like)
سرمایه دار (Wealthy/Capitalist)
سرمایه ای (Capital-related)

Verwandt

پول (Money)
ثروت (Wealth)
سود (Profit)
بانک (Bank)
اقتصاد (Economy)

Einprägen

Eselsbrücke

Think of 'Sarmāye' as 'Sir-Maya'. Imagine a 'Sir' (a wealthy man) named 'Maya' who 'places' (gozāri) his money into a business. Sir-Maya-Gozāri.

Visuelle Assoziation

Visualize a 'head' (sar) wearing a crown made of 'money' (māye) being 'placed' (gozāri) on a map of a city.

Word Web

Money Future Risk Profit Bank Stocks Gold Education

Herausforderung

Try to use 'sarmāye-gozāri kardan' in three different tenses today: once for your past education, once for your current savings, and once for a future dream.

Wortherkunft

The word 'sarmāye' comes from Middle Persian 'sar' (head) + 'māyag' (substance/matter). It literally means the 'head substance' or the principal amount of money.

Ursprüngliche Bedeutung: The primary stock or root from which something grows.

Indo-European (Persian branch).

Kultureller Kontext

Be sensitive when asking Iranians about their investments; due to economic instability, it can be a private or stressful topic.

In the West, 'investing' often implies the stock market (401k). In Persian, it is much broader and more physical (houses, gold, carpets).

Economic programs on IRIB (Iranian TV) often titled 'Sarmāye'. Modern Persian proverbs about 'sarmāye-ye omr' (the capital of one's life). Financial newspapers like 'Donya-e-Eqtesad'.

Im Alltag üben

Kontexte aus dem Alltag

At the Bank

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