Zokonda dziko lako: mtundu wina wazachuma

mabhonasi

Chimodzi mwazinthu zosadziwika kwambiri ndi omwe amagulitsa ndalama zazing'ono komanso zapakatikati mosakayikira ndizomwe zimatchedwa kuti kukonda dziko lako. Kuti mudziwe bwino pang'ono zomwe mankhwalawa amachokera pamalipiro okhazikika, tikupatsani mafungulo amachitidwe ake ndi momwe mungalembetse ntchito kuyambira pano. Chifukwa dzina lake silikutanthauza kuti ndi mankhwala kwambiri dziko ndipo zimakonzedwa mdera lililonse lodziyimira palokha mdziko lathu.

Maubwenzi okonda dziko lako adalengezedwa molakwika m'zaka zaposachedwa chifukwa cha zoopsa zambiri zomwe zimachitika pakupanga kwawo ntchito. Mpaka pomwe angathe ataya gawo la likulu lomwe mwapeza ndipo ichi ndiye chifukwa chenicheni chowonetsera chiwongola dzanja chachikulu kuposa masiku onse pamilandu iyi. Monga chilimbikitso kwa iwo kuti alembedwe ntchito ndi ogulitsa ang'onoang'ono komanso apakatikati. Mulimonsemo, ndibwino kutsimikizira kuti tikulimbana ndi zinthu zomwe timapeza zomwe ndizosakhazikika.

Zokonda dziko lako ndizodziwika bwino ndi zawo kusasinthasintha kwakukulu, ngakhale atalumikizidwa ndi ndalama zokhazikika. Mwanjira yoti kupindula kwake kumatha kusiyanasiyana kwambiri pamitundu ina komanso pagulu lodziyimira palokha. Ndikusiyana komwe kumatha kufikira magawo angapo ndipo kumayimira ndalama zambiri pazogulitsa zomwe zimachitika ndi omwe amagulitsa ndalama zazing'ono komanso zapakatikati. Kuchokera pamalingaliro awa, zitha kunenedwa kuti ndizopanga ndalama kwambiri ndipo sizikuwonetsa kufanana kwazaka zambiri.

Mabungwe Okonda Dziko Lanu: Nkhani Zatsopano

Pakadali pano ndendende Chigawo cha Madrid amene wasamukira kumsika pamene akuyambitsa malonda a zikhalidwezi. Chifukwa chakuti, nkhani yatsopano yama bond "benchmark" yokhazikika ya Community of Madrid pamtengo wa 1.250 miliyoni wavomerezedwa kuti agulitse pa Msika wa BME AIAF. Uku ndi kupereka kwachisanu komwe Public Administration yalembetsa pamsika wa AIAF kuyambira 2016, zomwe zimapangitsa kukhala wopezera ndalama pazachuma chokhazikika ndikuphatikiza Msika wa AIAF ngati chiwonetsero pamtunduwu.

Zomangirazo zimakhala ndi mtengo wake payekha 1.000 mayuro ndi coupon yokhazikika pachaka ya 1,571%. Tsiku lomaliza lochotseredwa ndalama ndi Epulo 30, 2029. Kumbali inayi, ziyenera kudziwika kuti mabungwe azachuma a BBVA, HSBC, ING, Banco Sabadell ndi Banco Santander ndiomwe adalemba bukuli. Community of Madrid has ratings of Baa1, odekha, operekedwa ndi a Moody's; BBB +, kukhazikika, ndi S & P, BBB, khola, ndi Fitch ndi A-, khola, ndi DBRS.

Maubwenzi obiriwira komanso ochezeka

chikhalidwe

Gonzalo Gómez Retuerto, Director General wa BME Renta Fija, anena izi "Maubwenzi obiriwira komanso ochezeka akhala malo opindulitsa mwa iwo okha ndipo amafunidwa kwambiri ndi omwe akugulitsa ndalama zapadziko lonse lapansi". Mavoti onse omwe anaperekedwa mu 2018 azinthu zamtunduwu adadutsa $ 167.000 miliyoni. "Omwe amapereka ku Spain amakhala ndiudindo wachisanu ndi chimodzi pamndandanda wapadziko lonse lapansi." Community of Madrid ndiye woyamba ku Spain Public Administration yemwe adapempha kuti atulutse msika wogulitsa ndalama zantchito makamaka, kuwonetsa chidwi chachikulu cha Community pazinthu zosasamala zachuma monga kusintha kwa nyengo ndi chitukuko.

Pamwambowu, kusintha kwa ndalama kumeneku kumapereka phindu pafupi ndi 1,50%, kapena chomwe chiri chofanana, chokwera kuposa chomwe chimapangidwa ndi zinthu zazikulu kubanki. Zina mwazo, madipoziti a nthawi, zolembera kubanki kapena maakaunti omwe amapereka zokolola zambiri, momwe milandu yonse siyipereka chiwongola dzanja chopitilira 0,75% kwa omwe ali nawo. Komabe, mabungwe omwe amatchedwa kukonda dziko lawo alibe thumba la chitsimikizo, monga momwe zimakhalira ndi ndalama zomwe amapeza. Pazochitika zilizonse zomwe mabungwe azachuma awa atha kupanga. Poterepa, madera odziyimira pawokha.

Kupindulitsa kwa maubwenzi awa

phindu

Chiwongola dzanja chomwe chimapangidwa ndi gulu lazinthu zachuma sizofanana nthawi zonse, ngakhale mdera lodziyimira palokha. Mutha kukhala pakati pa 1% mpaka 8%. Pomwe mawu okhwima amakwaniritsidwa ndipo ndi omwewo popeza chiopsezo chimachuluka phindu limakhala lokwera. Ndi njira yomwe mikhalidwe yokomera dziko lako imayendetsedwa. Mwanjira ina, ngati mukufuna kulandira malipiro owolowa manja, simudzachitira mwina koma kuchita zoopsa zambiri. M'madera ena kwambiri chifukwa cha ngongole zomwe madera ena odziyimira pawokha m'dziko lathu ali.

Komano, ziyenera kudziwika kuti malipiro anu ali kukhwima, komwe omwe adzawapatse azilandira zopereka zawo zachuma kuphatikiza zokonda zawo. Mulimonsemo sipadzakhala kusintha kwa chiwongola dzanja chomwe chimaperekedwa kwa makasitomala aku banki. Ndi yosasunthika kwathunthu popeza sitingayiwale kuti tikulankhula za chinthu chokhazikika. Ndi zabwino zake komanso zovuta zake ndipo ichi ndichinthu chomwe tiyenera kusanthula kuyambira pano kuti tione ngati kuli koyenera kuwalemba ntchito kapena ayi.

Ubwino wazomanga kwanuko

Chimodzi mwazinthu zopereka kumayiko okonda dziko lako ndikuti amatha kufikira kukonza malipiro mwazinthu zokhazikika zomwe zimalandiridwa. Nthawi zina, pali kusiyana kwakukulu komwe kumabwera posankha mtundu wa zachuma ngakhale pali zoopsa pazomwe adalembetsa. Ubwino wake wina woyenera umachokera poti muli ndi mabhonasi ambiri azikhalidwe zomwe mungasankhe. Pafupifupi madera onse odziyimira wokha mdziko lathu ali ndi mawonekedwe ngati omwe amafunsidwa munkhaniyi. Dziko la Basque, Catalonia, Andalusia, Navarra, La Rioja, Castilla y León, ndi zina zambiri.

Mulimonsemo, sizitanthauza kuti maubwenzi okonda dziko lanu amapezeka nthawi zonse. Chifukwa sizili choncho, kuyambira pawailesi yake zimadalira zosowa zachuma a dera lodziyimira palokha. Ndipo zitha kutenga nthawi yayitali kuti achite ntchito zoterezi. Kupitilira pazolingalira zina. Zomwe tikugwira ndi ndalama zosavutikira zimamuthandizanso. Ndizosavuta kupanga mwakhama ndipo sizitengera kuphunzira kuti mumvetsetse makina ake onse.

Zovuta zakukonda dziko lako

M'malo mwake, tiyeneranso kulingalira za mithunzi yomwe kukonda dziko lako kulipo ndi zambiri, monga momwe mudzakwaniritsire kuchokera nthawi zenizeni izi. Chifukwa mwayi wosasintha amakhala obisika nthawi zonse ndipo mumakhala pachiwopsezo chachikulu pazopereka zanu zandalama. Poyang'anizana ndi mavuto azachuma amtundu wodziyimira pawokha omwe amatulutsa maubwenzi okonda dziko lawo. Ndilipira lomwe mudzayenera kulipira kuti mupeze ndalama zosinthira zofuna zanu.

Kumbali inayi, sitiyenera kuiwala kuti gulu lazinthu zachuma nthawi zambiri limafunikira nthawi yayitali. Nthawi zambiri pamwamba pazaka 3 kapena 4 ndipo zimakupangitsani kuti ndalama zanu zizitha kuyenda kwa nthawi yayitali. Zachidziwikire, omwe simukupeza adzakhala nthawi yayikulu kwambiri, monga zimachitikira ndi ndalama zamabanki okhazikika. Komwe mungayikire ndalama zanu m'masiku kapena milungu ingapo. Izi, kumbali inayo, sizingachitike mu zomwe zimatchedwa kukonda dziko lako.

Kusiyanasiyana kuchokera kudera lina kupita kwina

otulutsa

Chopereka chomwe chilipo mgululi lazinthu zokhazikika ndizochulukirapo, ngakhale sizipezeka nthawi zonse mukafuna. Phindu lanu lidzakhazikika ndikutsimikizika, chilichonse chomwe chimachitika m'misika yachuma. Mwakutero, palibe kukayika kuti itha kuonedwa ngati malo achitetezo pompano pakusakhazikika pamisika yachuma. Ndi zoopsa zomwe tafotokozazi pamwambapa zomwe ziyenera kuwunikiridwa chifukwa ndichinthu chovuta kwambiri kuchokera pano. Sizovuta kulemba maubwenzi ngati awa kuti akhale abwino. Osachepera pang'ono.

Kumbali inayi, zomangira zokonda dziko lapansi sizingathetsedwe koyambirira, komanso simungazikonzenso zokha. Ndizopangidwa mwapadera kwambiri zomwe zimayendetsedwa ndi malamulo awo komanso koposa zonse ndi momwe chuma chimakhalira kumayiko omwe amadziyimira pawokha. Awo ndi omwe adzatsimikizire kuti anu phindu lenileni. Monga coupon yomwe mudzatolere kutha kwa mtunduwu pazogulitsa zina.

Kumene nthawi zonse mudzawona kuti pali magulu odziyimira pawokha omwe ndi odalirika kuposa ena, koma chifukwa chake chidwi chawo pachaka sichikhala chochepa. Umu ndiye maziko azinthu zomwe mabungwe amadzipangira ndipo ndizosiyana kwambiri ndi zotengera zina zomwe amapeza. Mulimonsemo, ndi njira ina yatsopano yomwe muli nayo pakadali pano yopanga kuti likulu lanu likhale lopindulitsa kuyambira pano. Pamwambamwamba pazolingalira zina zomwe zikhala mutu wa kusanthula kwina kuti aliyense amvetsetse.


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