Amalonda aku Spain amathawira pachuma chokhazikika

ndalama zochepaKodi ndi nthawi yoti mabizinesi abwerere ku ndalama zomwe adapeza? Ngati tiwona malipoti amakampani ena oyang'anira zikuwoneka kuti izi mchitidwe ya ikupereka pakati paopulumutsa ang'onoang'ono komanso apakatikati. Ndikusamutsa kuchokera kumaofesi awo. M'gulu ili akuyang'ana chitetezo chambiri pothandizira ndalama. Ngakhale pamtengo wa perekani njira zamalonda zabwino kwambiri zomwe zinthu zosiyanasiyana zothandizirana zimatha kupereka. Ndizosadabwitsa kuti tili mu nthawi yomwe ikubweretsa kukayikira pakati pa ogwiritsa ntchito. Ndi mantha obisika kuti atha kutaya gawo la chuma chawo chifukwa chakusintha kwamisika yamsika.

Kuchokera pazochitikazi, ndikuyenera kufotokoza lipoti laposachedwa lofalitsidwa ndi Natixis Global Asset Management. Zomwe zikuwonetsedwa kuti aku Spain aku Spain sakhulupirira kukwera kwamsika wamsika, kapena zambiri zachuma zomwe zimapangidwa kuchokera kumsika wazachuma. Mpaka pomwe magwiridwe antchito ayamba kusamala kwambiri miyezi ingapo yapitayi. Ndi chisamaliro chachikulu pamalingaliro awo pamasheya, makamaka US, ndi dola. Ndi kubwerera pang'onopang'ono kuzinthu zopezedwa.

Pa chaka pomwe mabungwe azikhalidwe amachita zinthu mokomera zofuna zanu. Komwe zotsatira za zomwe zimatchedwa Msonkhano wa Khrisimasi Amalandiridwa ndi osunga ndalama ang'onoang'ono komanso apakatikati. Ndikuwunikanso makampani omwe atchulidwa pamwambapa ngakhale 10%. Nthawi zambiri mu gawo ili la chaka malo ogula amakhala operekedwa kwa ogulitsa momveka bwino. Ichi ndi chimodzi mwazifukwa zomwe kuwonekera kwa lipotili ndi wofunika wachuma kumakhala kodabwitsa.

Mkati mwamakonzedwe okhazikika, otembenuka

Koma ndi ndalama ziti zomwe osunga ndalama amasankha? Kafukufukuyu akuwonetsa momveka bwino kuti azimayi akukweza kulemera kwa ndalama zosinthana m'malo mwa ndalama. Kodi amakwaniritsa chiyani ndi njira zamtunduwu? Chabwino, zophweka kwambiri momwe ziliri m'malo abwino a kutenga nawo mbali pakukwera msika, koma nthawi yomweyo amatha kuyendetsa bwino ngozi zakugwa. Ndi njira yodzitetezera motsutsana ndi zomwe zingachitike m'misika yachuma kuyambira pano. Pomwe maubwenzi otembenuka amapangidwa ngati imodzi mwanjira zabwino kwambiri zogulira ndalama.

Ngakhale zili choncho, lipotili likuwonetsanso izi loyang'anira akuwoneka kuti ali osamala kwambiri, ngakhale safuna kuphonya mphindi yabwino yamsika wamsika. Momwe amasankhira kukonzanso ndikusintha magawo awo azachuma. Kupereka kuthekera kwakukulu pazopeza zokhazikika, ngakhale ndikudziwa kuti zokonda zawo ndizotsika kwambiri kuposa kale. Pakadali pano, ntchito zomwe muchite kuyambira pano zitha kuyang'ana pazinthu zina zamakhalidwe awa. Kodi mukufuna kudziwa kuti ndi malingaliro ati omwe angakuthandizeni pakadali pano?

Makhalidwe apamwamba amtundu wapadziko lonse

mabhonasi Imodzi mwa njira zomwe msika wofunika wachumawu wakusungirani ndi kudzera m'mabungwe omwe amathandizidwa ndi chuma chotetezeka kwambiri padziko lapansi. Mwanjira imeneyi, chimodzi mwazisankho zabwino kwambiri chiziimiridwa ndi maubale a Germany ndi United States. Monga zawonedwera masiku ano, akhazikitsidwa ngati malo otetezeka panthaŵi zovuta kwambiri zachuma. N'zosadabwitsa kuti ndalama zikuyenda kupita kuzinthu zachuma izi posaka chitetezo chambiri. Komwe malo ogulira amakakamizidwa ndi kufunikira kwakukulu kwa ogulitsa. Ndi kuthekera kowunikiranso koposa kofunikira ndipo ndikofunikira kutchula.

Mitundu yamtunduwu imasunga capital yanu kuchokera kusunthika kosasunthika pamsika wamsika. Komwe mumapeza zambiri kuposa kutaya. Ichi ndi chimodzi mwazizindikiro zomwe likulu lazachuma ambiri likupita. Makamaka, iwo omwe ali ndi mbiri yosamalitsa kapena yodzitchinjiriza ndipo akufuna kuthawa zoopsa zomwe zikupezeka pakadali pano m'mabungwe akunja. Mulimonsemo, lipotilo lopangidwa ndi Natixis Global Asset Management likuwonetsa kuti pakhala kuwonjezeka kwakukulu kwa ndalama m'makampani omwe akutuluka kumene komanso pamalingaliro apadziko lonse lapansi. Ndi mawonekedwe ofunikira kwambiri pazinthu zomwe zimakwaniritsa izi.

Njira ina: mabungwe ogulitsa

Zachidziwikire, njira ina yogwiritsira ntchito ndalama imadutsamo pazachuma. Chifukwa mgwirizano wamakampani ukhoza kukhala wopindulitsa kwambiri ngati momwe makampani amakhalira ndizokhutiritsa. Kufikira kuti imatha kusintha magwiridwe antchito azinthu zomwe zimakhazikika. Ngakhale zili choncho amakhala ndi zoopsa polemba ntchito. Muyenera kuwunika zabwino ndi zovuta zakukhazikitsidwa kwawo kuti mudziwe ngati zikukuyenererani kapena ayi kuti muphatikize nawo mbiri yanu yazachuma kuyambira pano. Chifukwa imatha kupanga fayilo ya chiwongola dzanja chapakati mozungulira 6%.

Zomangira zamakampani, komano, ndi njira yolumikizira kubweza, koma kuchokera kumaudindo ena. Ngakhale popanda chiopsezo popeza kutengera mitundu yamabizinesi iyi mutha kutaya ndalama. Monga zomwe zimachitika pogula ndi kugulitsa magawo pamsika wamsika. Makamaka ngati zovuta zamakampani sizabwino kwambiri pazomwe mukufuna pazamalonda anu. Mwanjira iliyonse, imathandizidwa ngati njira ina kukhala ndalama zokhazikika. Kudzera mwa zina mwazinthu zosadziwika kwambiri zochokera kuzachuma zazing'ono komanso zapakatikati.

Yuro yabwinoko kuposa ndalama zina

yuro China chomwe chikuwonetsedwa mu lipotili chomwe cholinga chake ndi kugulitsa ndalama ndikuti pali madera ena ovuta kwambiri otseguka kuposa ena. Kuchokera pamalo awa, zikuwonekeratu kuti ma portfolio omwe ali ndi kulamulira madera a yuro amamenya, pafupifupi, malo apadziko lonse lapansi. Ichi ndi chizolowezi chomwe chitha kufotokozedwanso ndikuwunikanso kwa yuro motsutsana ndi ndalama zina zazikulu. Zina mwazomwe zimaphatikizidwa ndi dola yaku US. Komabe, mukamagwiritsa ntchito ndalama mutha kusinthasintha pamitengo yawo. Kuti muthe kupeza phindu lochulukirapo pantchito kwakanthawi kochepa kwambiri. Ngakhale njira zoopsa kwambiri zomwe zimachitika mgulu lomwelo la malonda.

Ndalama zolumikizidwa ndi ndalama

Mulimonsemo, nthawi zonse pamakhala zofunikira za zomwe zikugwirizana ndi ndalama zomwe zimasinthasintha. Mwanjira iyi, inu mumatsimikizira chiwongola dzanja chokhazikika komanso chotsimikizika chaka chilichonse. Zochepa kwambiri koma zomwe zingakuthandizeni kuti akaunti yanu yowunika isasungidwe. Koma kuwonjezera apo, mutha kusintha ma margins awa ngati zinthu zingapo zingakwaniritsidwe pamndandanda wazachitetezo chomwe mwasankha. Mpaka 5% komanso kupitilira kuwerengera kwanu koyambirira. Komabe, ndi chikhalidwe chomwe sichikwaniritsidwa munthawi zonse. Koma m'malo mwake, chifukwa zingatenge zambiri kuti mukwaniritse zolingazi.

Mitundu iyi yamayikidwe ndi yankho la anthu omwe safuna kudziwitsidwa mwachindunji ndi zoopsa zomwe zimachitika chifukwa chazogulitsa. Ali ndi tsiku lotha ntchito lomwe muyenera kukumana nawo nthawi zonse. Chifukwa ngati sichoncho, simukadakhala ndi chisankho china koma kungotenga komishoni zokulirapo. Momwe angathere yandikirani 2% ndikuti ichepetsa kupikisana kwa zokonda zomwe zatuluka munthawiyi. Ndi nthawi yayitali yakukhala kuposa omwe amathandizidwa pazomwe zimachitika nthawi zambiri. Amasuntha pakati pa miyezi 24 ndi 48 momwe mukuyenera kuti ndalama zanu sizingathe.

Kusinthitsa ndalama

kusungirako Kumbali inayi, simungayiwale kuti nthawi zonse mumatha kuphatikiza ndalama zomwe mumapeza ndi ndalama zosinthika. Kuti mwanjira iyi, mutha kukhala ndi mitundu yabwino kwambiri komanso yoyipa kwambiri yazogulitsa zonse. Chimodzi mwazinthu zachuma zomwe zikuyimira bwino izi ndi ndalama za ndalama. Kudzera munjira zosakanikirana zomwe zimapanga mbiri yanu ndi zandalama izi. Chimodzi mwazolinga za njirayi ndikusunga ndalama pazinthu zina. Kuti koposa zonse muli m'malo abwino kuti muteteze zokonda zanu monga wochita bizinesi yaying'ono komanso wapakatikati. Ndizosadabwitsa kuti ndichimodzi mwazinthu zomwe akukonzekera ndi makampani oyang'anira.

Kuchokera pamachitidwe onsewa, kusungitsa ndalama mosiyanasiyana kungakupatseni maubwino ambiri munjira zomwe mugwiritse ntchito kuyambira pano. Chifukwa ndi njira yomwe ingakuthandizireni kugona mwamtendere kuposa kale. Simungayiwale kuti zoperewera sizingatchulidwe ngati kuti mwakumana ndi ziwongola dzanja. Chofunikira kwambiri munthawi yovuta kwambiri pamisika yachuma. Popeza mutha kupanga zobweza zovomerezeka kutengera momwe zinthu ziliri munthawi zachuma.


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  1. Wotsogolera pazosankhazi: Miguel Ángel Gatón
  2. Cholinga cha deta: Control SPAM, kasamalidwe ka ndemanga.
  3. Kukhazikitsa: Kuvomereza kwanu
  4. Kulumikizana kwa zomwe zafotokozedwazo: Zomwezo siziziwululidwa kwa anthu ena kupatula pakukakamizidwa mwalamulo.
  5. Zosunga: Zosungidwa ndi Occentus Networks (EU)
  6. Ufulu: Nthawi iliyonse mutha kuchepetsa, kuchira ndikuchotsa zidziwitso zanu.