Asusun saka hannun jari na ɗaya daga cikin kayan aikin da aka fi so don ƙanana da matsakaitan masu saka jari. A matsayin madaidaicin madaidaici ga ƙaramar ribar da aka gabatar ta hanyar samfuran banki kuma waɗanda suke kusan m matakan tun shekaru da yawa. A wannan ma'anar, ya isa a tuna cewa manyan kayayyakin banki (ajiyar kuɗi na ƙayyadaddun lokaci, shaidu ko asusun masu karɓar riba) sun wuce matakan kusan 0,5%. A sakamakon farashin mai rahusa kuma hakan ya haifar da fa'idarsa ta kasance ta ragu da tarihi shekaru da yawa yanzu.
Amma a kowane hali, ana yanke shawara koyaushe zuwa canji da tsayayyen kuɗin saka hannun jari. Su ne sanannu sanannu kuma ina kudaden kuɗi na masu amfani, don lalata sauran. Amma dole ne a tuna cewa akwai rayuwa sama da waɗannan samfuran saka hannun jari a cikin kuɗin kansu. Domin ku bude kanku ga sababbin damar kasuwanci, za mu nuna ku ga wani nau'in kuɗin saka hannun jari wanda za ku iya biyan kuɗi daga yanzu. Ba abin mamaki bane, zasu iya taimaka maka ka fita daga matsala fiye da ɗaya a cikin watanni masu zuwa.
Da yawa daga cikin waɗannan kuɗin juna na gargajiya ne na gaske, amma wasu ba shakka hakan za su ba ka mamaki da asalinsu har ma don kadarorin kuɗi da suka haɗa a cikin jarin saka hannun jari. Saboda abin da yake game da shi shine zaku iya samun riba mai riba sama da ribar da kayan banki suka bayar. A kowane hali, akwai abu ɗaya wanda yakamata ya zama ya bayyana sarai daga yanzu zuwa yanzu kuma wannan shine cewa waɗannan samfuran ajiyar ba su lamunce maka da dawowar dawowa ba. Idan ba haka ba, akasin haka, zai dogara ne da haɓakar kasuwannin kuɗi.
Rarrabawa ta dukiyar kuɗi
Game da kayan jarin ku, ya kamata a lura cewa gado ta hanyar rukuni-rukuni na IICs a duk duniya a ƙarshen 2018 an rarraba kamar haka: asusun canji na canji na 45,4%, tsayayyen kudin shiga 20,5%, haɗe 12,5%, kuɗi 11,9, 1,6%, ƙasa 8,0% da sauran 4,4%. Adalcin da aka saka a cikin ETFs a duk duniya ya sake karuwa kuma ya tsaya a kan Euro tiriliyan 2018 a watan Satumban 3,87 daga 80 a cikin Disamba shekarar da ta gabata. Daga cikin wadannan, kashi 16% suna samun kudin shiga masu canji kuma XNUMX% tsayayyen kudin shiga ne.
Game da biyan kuɗi Har zuwa 2018 suna Euro miliyan 791.308 (Yuro miliyan 153.401 a cikin kwata na uku), ƙasa da euro biliyan 1,81 a daidai wannan lokacin na 2017. Daga cikin rijistar shiga cikin CIS da aka tara har zuwa Satumba 2018, 36,7, 276.477% sun dace da IIC na Turai. Ta hanyar ƙasa, yana da daraja a nuna kimanin miliyan 34,9 na tara kuɗaɗen UCITS a Amurka (XNUMX% na jimillar duniya a shekara), yawanci ana mai da hankali ne akan xedarancin Kuɗaɗen shiga da Canji na UCITS
Kudaden saka hannun jari: na kudi
Wannan ɗayan al'adun gargajiyar ɗaya ne wanda ya dace da yanayin saka hannun jari, kodayake tare da matsalar cewa fa'idar ta har yanzu ba ta da yawa. Tare da matsakaita matsakaita na onlyan kaɗan 'yan goma na kashi a cikin mafi kyawun harka. Wannan yana nufin kuɗin saka hannun jari bisa ga euro, wanda shine mafi daidaitaccen samfurin kuma nesa da motsi na rashin zaman lafiya kuma watakila ma tare da canjin yanayin da ya saba da kuɗin saka hannun jari na adalci.
Canjin canjin da ake samu a kasuwannin hada-hadar kuɗi a cikin 'yan watannin nan ya sake yin mummunan tasiri akan juyin halittar dukiyar asusu a lokacin watan Nuwamba. Don haka, yawan kadarorin asusun saka hannun jari ya yi rijistar raguwar Euro miliyan 1.382 a watan Nuwamba, wanda ya kai Euro miliyan 265.140, ƙasa da kashi 0,5% cikin Oktoba. A cikin 2018 gabaɗaya kuma duk da rashin ingancin kasuwanni a cikin 2018, kadarorin kuɗaɗen saka hannun jari sun sami ci gaban Euro miliyan 2.017, sama da 0,8% fiye da ƙarshen 2017.
Tabbacin kuɗi
A cikin wannan rukunin samfuran wanda aka yi niyya don mafi yawan hannun jarin Ba za a iya mantawa da cewa kudaden da aka ba da tabbaci suna taka muhimmiyar rawa wajen ɗaukar ma'aikata ta hanyar ƙanana da matsakaitan masu saka jari. Don dalilai mai sauƙi kuma wannan shine cewa sune kawai waɗanda ke ba da garantin tsayayyen aikin kowace shekara. A gefe guda, ba za a iya mantawa da cewa tabbacin lamuni ya jagoranci kimanta rajistar net a watan Nuwamba tare da euro miliyan 252 kuma sun tara Yuro miliyan 266 a cikin shekarar.
Wannan rukunin kudaden saka hannun jari na samar da tsaro mafi girma ga kanana da matsakaita masu saka jari, a tsakanin wasu dalilai saboda kiyaye jari da aka kashe sama da sauran la'akari. Misali, karuwar fa'ida a cikin wannan rukunin samfurin wanda ke da fifiko tsakanin masu amfani a cikin ƙasarmu. A cikin kowane hali, dole ne a kuma yi la'akari da shi daga yanzu cewa wannan rukunin kuɗin saka hannun jari yana da asali da ƙarancin tasirin su.
Kuɗaɗen alhakin zamantakewar jama'a
Suna ɗaya daga cikin manyan abubuwan da masu saka hannun jari basu sani ba lokacin da zasu iya samun fa'ida kamar sauran. Amma tare da babban bambanci kuma wannan shine cewa wannan yanayin mara kyau yana dogara ne akan zaɓi na wasu ƙa'idodi don yin kundin aikin su. Wancan, dangane da ma'aunin muhalli, zamantakewar al'umma da gudanar da mulki, tsakanin sauran hanyoyin zabar tsarin saka jari. Babbar gudummawar da wannan rukunin ke bayarwa shine sun baiwa mahalarta damar yin daidai da hanyar tunani ko fahimtar rayuwa kawai.
A gefe guda, ana kiran kasuwancin da ake kira da alhakin kula da zamantakewar jama'a tsakanin masu gudanar da asusu. Ofayan waɗannan misalan yana wakiltar asusun tallafawa na BBVA wanda ke nufin masu saka jari daga bayanin ra'ayin mazan jiya, ana gudanar da shi tare da ka'idojin SRI waɗanda ke kammala kewayon kuɗin da ke da alhakin zamantakewar jama'a. Wani zaɓin shine Sustainable Future, wanda shine asusun ajiyar dukiyar duniya wanda ke saka hannun jari cikin bashin jama'a, bashi da daidaiton amfani da ka'idojin ESG daga gwamnatoci da kamfanoni.
Dogaro da canzawa
Kowa ya san cewa shekarar da ta gabata ba ta da kyau sosai ga ɓangaren asusun saka hannun jari, wanda ya ƙare da mummunan abu. A kowane yanayin, duka a cikin canji da tsayayyen kudin shiga ko ma daga madadin hanyoyin saka hannun jari. Idan wannan shekarar ta kasance iri ɗaya, mafita na iya zuwa daga ɗayan kuɗin saka hannun jarin da ƙanana da matsakaitan masu saka jari suka sani, kamar waɗanda suka dogara da canji. Har zuwa cewa suna iya zama mafi riba a cikin lokacin haɗin gwiwa na yanzu.
A wannan ma'anar, muddin kasuwannin adalci suka nuna rashin kwanciyar hankali, waɗannan kuɗaɗen saka hannun jari na musamman za su nuna hali mafi kyau. Ana iya amfani da ƙaramin ɓangaren babban kuɗinmu don buɗe matsayi a cikin waɗannan dukiyar kuɗi don haka na musamman kuma yi ƙoƙari don inganta bayanin samun kudin shiga daga yanzu. Kodayake kuma gaskiya ne cewa ayyukansu suna da haɗari mafi girma kuma cewa babu wani zaɓi face sarrafa shi ta hanyar sanya ido akan matsayinsu akan lokaci. Koda kuwa akwai buƙatar a canza shi zuwa wani yanayin cikin kuɗin saka hannun jari.
Asusun ƙasa
Lokaci ya yi da za a sake saka hannun jari a cikin tubalin kuma a sami riba ta hanyar waɗannan nau'ikan ayyukan a kasuwannin kuɗi. Ba abin mamaki bane, waɗannan ayyukan girma da 13% a cikin shekarar da ta gabata, kodayake ana iya samun ɗan bambanci kaɗan daga yanzu. A wannan ma'anar, nazarin daban-daban da rahotanni daga bangaren sun nuna cewa a cikin shekarar 2019 farashin gidaje zai tashi, yana zuwa daga Yuro 1.650 a kowane murabba'in mita wanda a yanzu ana cinikinsa zuwa Yuro 1.800 a kowane murabba'in mita.
A kowane hali, da alama ƙaramar karkacewa ce kaɗan wacce aka ƙirƙira a shekarun baya. Yanzu abin da za a bincika shi ne ko wannan shekara za ta haifar da sauyi a saye da sayarwar gidaje. A wannan ma'anar, akwai adadi mai yawa na asusun saka hannun jari waɗanda suka kware a cikin wannan mahimmin sashin tattalin arzikin Sifen. Kodayake suna da kwamitocin da suka fi ƙarfi a cikin sauran samfuran saka hannun jari.
A gefe guda, yana yiwuwa kuma a haɗa wannan dabarun da sauran kadarorin kuɗi, duka daga daidaito da tsayayyen kudin shiga. A matsayin wata dabara don fadada saka hannun jari a yayin da aka sanya rashin kwanciyar hankali a kasuwannin hada-hadar kudi. Ta wannan hanyar, babu shakka cewa zaku kiyaye ajiyar ku ta hanyar da ta fi dacewa da tasiri. Fiye da sauran ƙididdigar fasaha kuma wataƙila kuma daga mahangar abubuwan yau da kullun. A kowane hali, zai iya kasancewa wani samfurin a cikin kuɗin saka hannun jari waɗanda za a yi la'akari da su a cikin wannan shekarar da aka gabatar da shakku da yawa.
A wannan ma'anar, nazarin daban-daban da rahotanni daga bangaren sun nuna cewa a cikin shekarar 2019 farashin gidaje zai tashi, yana zuwa daga Yuro 1.650 a kowane murabba'in mita wanda a yanzu ana cinikinsa zuwa Yuro 1.800 a kowane murabba'in mita.