Kodi mumadziwa ndalama zomwe mumagula?

ndalama Ndalama zogulitsa ndi chimodzi mwazinthu zomwe amakonda kugwiritsa ntchito azachuma. Kuphweka kwawo kuwalembetsa kumalumikizidwa pamwambowu ndi ndalama zambiri zopangidwa ndi makampani oyang'anira. Zina mwazikuluzikulu ndizo ndalama zosinthasintha, zosasunthika, zandalama, zotsimikizika kapena zina, mwa zina zofunika kwambiri. Ndi gawo limodzi mwa iwo onse ndikuti ndi gawo limodzi lazachuma zomwe zimapanga mbiri yanu yazachuma.

Ndalama zogulitsa, ndipo ngakhale kusakhazikika kwakukulu komwe kumadziwika m'misika yazachuma mu Okutobala, kudawonetsa a lathyathyathya kapena pang'ono zoipa khalidwe potengera mayendedwe, ndipo sanapezepo kubwezeredwa kokwanira kwa mayuro 493 miliyoni munthawi yowunikirayi. Kusasunthika kwakukulu pamisika yamsika kumawonetsa machitidwe amisika yamisika padziko lonse mu Okutobala, ndikuchepera kwa mwezi ndi mwezi m'maiko akutukuka komanso akutukuka. Chifukwa chake, mwachitsanzo, ma index monga IBEX 35, S&P 500 kapena Nikkei amatseka mweziwo ndi kusintha kwa 5%, 7% ndi 9%, motsatana.

Khalidwe la misika yamasheya yapadziko lonse lapansi lidayambitsa kusintha kwa chuma chamagulu osiyanasiyana a Investment Fund. M'malo mwake, gulu lomwe lili pamwambapa kutsika kwa voliyumu Chuma chake chidakhala cha International Variable Income, chomwe ngakhale adalandila ndalama zambiri pamwezi, adachepetsa chuma chake ndi mauro opitilira 1.252 miliyoni. Mulimonsemo, gululi likupitilizabe kulemba kuwonjezeka kwakukulu kwachuma mu 2018 chonse (9,7% kuposa kumapeto kwa chaka).

Ndalama: makiyi kuti muwadziwe

makiyi Gulu lazinthu zachuma zodziwika bwino zadzetsa nthawi zambiri zomwe simukudziwa mwamphamvu pazomwe mukusaina. Izi mulimonse simukuyenera kuzichita chifukwa mtengo ndiwokwera ndipo cholakwika chilichonse pachisankho chitha kukuwonongerani ndalama zambiri kuyambira pano. Ngati simukudziwa zambiri za thumba la ndalama ndi chiani china chomwe mumakonda kuyika ndalama zingakhale bwino ngati mutadziyika nokha m'manja mwa mlangizi waluso kuti mudziwe izi. Ndizosadabwitsa kuti chimodzi mwazolakwitsa za gawo labwino la omwe amagulitsa ndikuti sakudziwa zamtundu wapaderawu.

Potengera izi, kuwerenga kabuku ka thumba lomwe mudasungitsa ndalama zanu ndiye gawo loyenera kwambiri lomwe mukutenga pakadali pano. Mwanjira imeneyi, mudzadziwa nthawi zonse kuti chuma mukusungitsa ndalama ndipo ndi njira yanji yoyang'anira yomwe amatsata kumapeto kwake. Chifukwa muyenera kukumbukira kuti thumba lililonse lazachuma limasiyana. Palibe awiri ofanana ndipo izi zimapangitsa kusankha kwanu kukhala kovuta kwambiri. Monga ma komisheni omwe amakukhudzani kuyambira nthawi yeniyeni yolembedwa ntchito.

Dziwani komwe adachokera komanso kapangidwe kake

Izi ndi zina mwa magawo omwe muyenera kuwunika mukamalemba thumba lazachuma. Kodi mukudziwa zabwino zamabizinesi amtunduwu? Kodi mukudziwa muthumba lomwe mwayika ndalama zambiri? ena mwa mafunso omwe muyenera kudzifunsa kuyambira pano kuti mumve zambiri komanso pamwamba pazinthu zina zamakono. Ndipo pakadali owerengeka ochulukirapo omwe sakudziwa gawo lazambiri ndizofunikira pakuyika ndalama pagalimoto yamtunduwu. Kuyambira pano simukuyenera kukhala mbali ya mbiriyi mwa ogwiritsa ntchito.

Ndani amayang'anira chuma chanu? Ndi njira ina yomwe muyenera kutsatira musanalembedwe ntchito. Osati pachabe, zidzakupatsani chidziwitso chachilendo chazachuma chomwe mupereke ndipo ngakhale kuli koyenera kumakhalidwe anu enieni monga Investor kuti ndinu. M'malo mwake, ngati mayankho ambiri pamafunso awa ndi ovomerezeka, chidzakhala chizindikiro chabwino kwambiri kuti zonse zikuyenda bwino pachuma chomwe mwangopanga kumene. Mukhalanso otsimikiza kwambiri pantchito yomwe mankhwala azachuma angakupatseni mphindi iliyonse ya moyo wanu.

Zenizeni za ndalamazo

Momwemonso, simungayiwale kuti kuchuluka kwamaakaunti omwe akutenga nawo gawo pazandalama kutsekedwa mu Ogasiti pamayunitsi 11.318.000. Ali pafupifupi maakaunti 200.000 ochepera mbiri yakale yomwe idafika mu Juni watha. Mulingo wa kuchuluka kwakuchulukirachulukira munthawi yowunikirayi ukutsogozedwabe ndi ndalama zapadziko lonse lapansi, zomwe, ngakhale kuchepetsedwa komwe kunachitika mu Okutobala, kukukulirakulira kopitilira 23% kwa 2018 yonse. kungakupatseni ndi ndalama Ndiwo omwe adakula kwambiri mu Okutobala, ali ndi ma euro 120 ndi 52 miliyoni, motsatana.

Izi zidzakupatsani lingaliro labwino lazazachuma zomwe zikhala patebulopo. Mbali inayi, ikudziwitsaninso za mabungwe ndi zina mu kasamalidwe zomwe uyenera kukumana nazo. Kumbukirani kuti mosiyana ndi mitundu ina yazachuma, mu ndalama mutha kupeza ma komiti osiyanasiyana. China chake chomwe mudzakhala nacho ngati mumakhala ndalama nthawi zonse pazinthu zamtunduwu. Nzosadabwitsa kuti ndi chimodzi mwazinthu zabwino kwambiri, chifukwa mudzatha kutsimikizira kuyambira pano.

Kodi chuma chanu ndi chotani?

katundu Zachidziwikire, simuyenera kulembera ndalama zandalama chifukwa, koma m'malo mwake, muyenera kudziwa kapangidwe kake. Makamaka, chuma chomwe chimaphatikizira komanso kuchuluka kwake kuti mwanjira imeneyi mutha kutero kutsatira kusintha kwawo pafupipafupi m'misika yazachuma. Ngati kuli kotheka, akuyenera kukhala achangu ndi omwe mumawadziwa popeza ndiye njira yabwino kwambiri yopewera kukhumudwitsidwa pano kuyambira pano. Mbali inayi, ngati mukukayika, mulibe yankho lina koma kupita ku bungwe lomwe mudalembetsa thumba lazachuma kuti mulifotokozere mokhutira kwathunthu.

Chinthu china choyenera kulingalira pazogulitsidwazi ndichomwe chimakhudzana ndi ndalama zandalama, zomwe ndizovuta kwambiri motero zimafuna a zambiri mbali yanu. Sikoyenera kutero kuti mumalemba ntchito zinthu zomwe sizikudziwa momwe zimagwirira ntchito, kuli bwanji kuti zingabweretse zovuta zoyipa ngati kumapeto kumapeto sikungakhale momwe mumayembekezera kuyambira pachiyambi. Musaope kufunsa zambiri ku banki yanu kapena ku bungwe komwe mwakhazikitsa ntchitoyi.

Sali osakanizidwa mankhwala

Chimodzi mwazomwe muyenera kukumbukira kuyambira pano ndikuti ndalama zachuma nthawi zambiri sizikhala pamndandanda. Izi zimapangitsa ngati ali yolumikizidwa ndi index ya stockMwachitsanzo, samazitengera ndendende ndipo izi zimakupangitsani kusokonezeka pakutsatira kwawo. Kuwona kuti sikunalembedwe chimodzimodzi ndi index yomwe thumba lazachuma limalumikizidwa. Ngati simukufuna kukhala ndi vutoli, simudzachitanso mwina koma kulembetsa ndalama zandalama zomwe zalembedwa m'chilengedwe.

Ichi ndi chimodzi mwazolakwa zazikulu zomwe mabizinesi ang'onoang'ono komanso apakati nthawi zambiri amapanga ndipo zimachitika kuti akawona kuwerengera kwa thumba lawo lazachuma sizofanana ndi momwe amakonzera. Pachifukwa ichi ndikulimbikitsidwa kuti osayang'ana konse kolumikizana kwawoM'malo mwake, pitani ku gwero lachindunji, lomwe silili lina koma ndalamazo zokha. Kuti mwanjira imeneyi musakhalenso ndi mavuto amtunduwu komanso zomwe zingakulepheretseni kudziwa zomwe mwayika nthawi zonse.

Ochepetsedwa ndi ma komishoni

makomiti Kumbali inanso, muyenera kuzindikira kuti munthumba zina zosungira ndalama, zomwe mungapeze mu thumba logulitsa ndalama zitha kukhazikitsidwa ndi mabungwe omwe akupanga ndalama zamtunduwu. Mwanjira imeneyi, muyenera kudziwa ma komiti omwe amaphatikizira ndi kuchuluka kwake momwe alili kuchotsedwa pa phindu za mankhwalawa. Ndizosadabwitsa kuti pali ma komisheni omwe amatha kufikira magawo awiri%. Mpaka kuti "adye" gawo lalikulu lazopindulitsa zomwe apeza mpaka nthawi imeneyo.

Mabungwewa akhoza kukhala ambiri komanso osiyanasiyana ndipo si onse omwe amagwiritsidwa ntchito chimodzimodzi momwe mungadziwire kale. Izi zikutanthauza kuti muyenera kukhala osamala ndi izi kuti kumbali inayo simudzapezeka mukupeza ndikugulitsa masheya pamsika wamsika. Mbali iyi, sizotheka kuti ndalama zogulitsa ndizovuta kwambiri, koma tikungokakamira pazinthu izi. Mu otsala sipereka zovuta zambiri kuti agwire nawo ntchito popeza apangidwa momveka bwino pamakina ndi kapangidwe kake.

Koma nthawi zonse muyenera kukhala tcheru kwambiri ndi iwo kuti pamapeto pake ntchito yonse ipangidwe molingana ndi zomwe mukuyembekeza kuchokera kuzinthu zachuma zotchuka kwambiri pakati pa osunga ndalama.


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