Madipoziti omwe amalumikizidwa ndi kusinthaku, ndiopindulitsa?

madipoziti olumikizidwa kumsika wamsika Pali njira zambiri zogulitsira msika wamsika, kuphatikiza ma depos. Kupyolera mu njira zowopsa, kapena ndi mitundu yodzitchinjiriza yomwe cholinga chake ndi sunga ndalama. Kukhazikika kwa misika yazachuma kwadzetsa zatsopano zikuwonekera zomwe ali nazo pamisika yampando. Makina opanga Baja osiyana kotheratu, zomwe zingakupangitseni kukayikira zolinga zawo zenizeni.

Chimodzi mwazinthu zabwino kwambiri zomwe zafika mzaka zaposachedwa ndizosungidwa. Makamaka madipoziti omwe amatchulidwa kumsika wamsika. Zapangidwe ndizojambula zomwe zimakhazikitsira njira yawo phatikizani zinthu ziwiri. Kumbali imodzi, ophatikizidwa ndi ndalama zokhazikika, komanso mbali inayo, ndi chimodzi mwazinthu zomwe zikufotokozedwera kuzosunga kapena masheya.

Kusakaniza komwe kumatha kupititsa patsogolo kulipira kwa madipoziti omwe mabanki akhala akugulitsa mpaka pano. Ndizosadabwitsa kuti chiwongola dzanja chomwe amagwiritsa ntchito sichidutsa 0,5% nthawi zambiri. Zotsatira za lingaliro la European Central Bank (ECB) ku tsitsani mtengo wa ndalama. Ndipo izi zadzetsa mbiri yakale 0%. China chake chomwe sichinachitikepo m'mbiri ya mayuro.

Malo osapindulitsa kwambiri

chiwongola dzanja pamalipiroLingaliro ladzidzidzi lidapangitsa kuti masheya amtunduwu agawidwe pakati paosunga ndalama osabweza, osaposa 0,75%. Pofuna kuthana ndi mavutowa sipadzakhalanso chosankha koma kuchita zinthu zingapo. Chimodzi mwazinthuzo ndikuti tiwonjezere kukhazikika kwa zinthu zakubanki izi. Mpaka zaka ziwiri kapena zitatu momwe ndalama zomwe adasungitsidwazo azikhala olumala. Ndi mphotho yosakhutiritsa kwenikweni, chifukwa ingopititsa patsogolo magawo pang'ono ndi magawo khumi a gawo.

Njira ina yomwe ikuphatikizira kupita ku Kutsatsa kwa makasitomala atsopano ngati chilinganizo cholimbikitsira kulipira kwa omwe amasunga ndalama. Zikhala zokhutiritsa kwambiri chifukwa zidzakweza phindu lanu pafupifupi 1%. Ngakhale ndizovuta kuti azikhala ndalama zochepa kwambiri. Ndi mawu omwe amakhala pakati pa 1 ndi 6 miyezi, ndipo osakhala ndi mwayi wowakonzanso akatha.

Ndipo njira yachitatu, yomwe ingakhale yopindulitsa kwambiri, ndiyo yomwe imakhudzana ndi kulumikizana kwa masheya ndi ndalama zonse. Zotsatira za njira yapaderayi yopezera ndalama, chiwongola dzanja chingathe kukonzedwa bwino. Mpaka 2% yotchinga itadutsa kale. Koma zachidziwikire, posinthana kuti atolere mawonekedwe angapo. Osati pachabe, adzakhala mokakamizidwa kukwaniritsa zolingazo.

Zimakwaniritsidwa kudzera pazomwe zimatchedwa kuti madongosolo. Akuyendetsedwa molimbika ndi mabungwe akubanki kuti kulanda ndalama zomwe makasitomala anu asunga. Ndi mitundu yambiri, kuphatikiza yolumikizidwa ndi chuma china (ndalama, zopangira, miyala yamtengo wapatali, ndi zina zambiri). Palibe malire pamisika yawo, monga mukuwonera.

Zofunikira kuti mukwaniritse zolingazo

Kudzera mu madipoziti awa olumikizidwa pamsika wamsika, mukuwongolera magwiridwe antchito a ndalama zanu. Amapangidwa gawo kuchokera ku ndalama zokhazikika zomwe zingakupatseni chiwongola dzanja chochepa ngakhale chotsimikizika. Pafupifupi 0,50%, yomwe muzilandira muakaunti yanu ikatha. Ndipo gawo lina lazogulitsa ndilo lomwe lidzalumikizidwe ndi ndalama. Kudzera mudengu lazinthu zomwe ndizomwe zingakulitse phindu lomaliza la malonda.

Kupititsa patsogolo phindu, zikhala zofunikira kwambiri ku dengu la masheya kupitilitsa zolowera pamitengo yamitengo yawo. Izi sizimachitika nthawi zonse, zitha kukhala zovuta kuzikwaniritsa. Koma ngati yamenyedwa, ndipamene mudzakhale ndi mwayi wopeza phindu lofunika kwambiri pamalipiro, omwe atha kupitilira magawo 5%.

Ngati izi sizikwaniritsidwa, musadandaule mopitirira muyeso, chifukwa mudzakhala otsimikiza kuti mupereka ndalama zanu, ndi uthunthu wake wonse. Ndi kubwerera kocheperako chifukwa cha gawo lomwe limapita ku ndalama zokhazikika. Chimodzi mwazinthu zazikulu pazopulumutsa izi ndikuti imakhala ndi nthawi yayitali yosungira kuposa mitundu ina. Itha kufikira zaka 3, ngakhale nthawi zina.

Kodi madipoziti amakhala bwanji?

Chimodzi mwazopereka zazikulu ndikuti zitha kulozedwera kumitundu yonse yazachuma. Ngakhale kulumikizana ndi masheya kumakhala kwakukulu, mdziko lonse komanso kunja kwa malire athu. Ndizofala kwambiri kupeza mitundu ina yomwe amalumikizidwa ndi ma stock stock omwe amaimira kwambiri: Ibex-35, Eurostoxx-50, Dax, Dow Jones, Nasdaq Composite kapena Nikkei, pakati pa odziwika bwino ndi omwe amagulitsa ndalama zazing'ono komanso apakatikati.

Monga momwe muwonera, mutha kuwalembera ntchito kutengera zokonda zanu, kapena kusintha kwawo. Zina zimapangidwa mwapadera kuti zizisunga mbiri yawo, pomwe zina zimayang'aniridwa ndi omwe akuchita nkhanza kwambiri, zomwe zikutanthauza kuti pangakhale chiopsezo pakulemba ntchito. Kusiyanasiyana kwa izi kukutanthauza kuti mutha kusankha pakati zopanda malire zadongosolo. Kumene mitengo yayikulu yamsika wadziko lonse imapezeka (Endesa, Iberdrola, BBVA, Santander ndi Telefónica).

Mutha kudaliranso kuzachitetezo zakunja zomwe zalembedwa m'misika yapadziko lonse lapansi. Izi nthawi zambiri ndi makampani ofunikira kwambiri bizinesi, ndikuti amakhalabe ndi capitalization yayikulu. Ndizosadabwitsa kuti ndiwo mulingo wazachuma onse, ndi omwe mungasankhe ngati mutagwira ntchito molunjika m'misika yamalonda.

Malingaliro azogulitsa zamabanki izi ndikutengera kutenga dengu lamasheya ngati gawo lazachuma. Kotero kuti mwanjira imeneyi kusiyanasiyana kwakukulu kumapangidwa mu mtundu wosankhidwa. Mukupeza chiyani ndi njira iyi? Chabwino, zosavuta, koposa zonse kuteteza ndalamazo kuti zisasungidwe. Ndipo chachiwiri, onjezani chimango chanu m'mabungwe.

Zolinga zomwe mudzakwaniritse

zolinga Ngati mungasankhe mtundu uwu wazopulumutsa, palibe kukaikira kuti mudzakhala ndi njira zosiyanasiyana zowachotsera kuzinthu zomwe sizachilendo. Kuyambira pano, tumizani zopereka zingapo zomwe zingakhale zosavuta kuti mudziwe. Ndi awa omwe tikukufotokozerani pansipa.

  1. Simudzaika pachiwopsezo ndalama zanu Popeza izi zidzatsimikiziridwa kuyambira pachiyambi, ndi magwiridwe antchito ochepa omwe atsimikiziridwanso. Sichinthu, chifukwa chake, ndiopanga zoopsa zina monga momwe zimamvekera koyambirira.
  2. Mutha kuyika ndalama zomwe mumakonda malinga ndi mbiri yanu ngati ndalama. Madipoziti awa akhoza kulembetsa kuchokera pamtengo wotsika kwa mabanja onse, mpaka kufika pazambiri zomwe zitha kukhazikitsidwa malinga ndi mtundu wa mtundu uliwonse.
  3. Ndi njira yapadera kwambiri yogwiritsira ntchito ndalama, chifukwa mumatsegula maudindo m'mabungwe koma osakuwululani mwachindunji. Mwanjira iyi, simudzakhala ndi zotayika munthawi iliyonse.
  4. Ndiwo otetezera otetezera omwe akuyenera kuchita izi, kuti ayesetse kukonza malire awo ang'onoang'ono kudzera mumsika wamagulu.
  5. Ali ndi pafupi kukhala nthawi yayitali kwambiri nthawi zonse. Zingakhale zofunikira kuti muganizire ngati kuli koyenera kulembetsa zamtunduwu zamabanki.
  6. Kusungitsa kwakanthawi sikumangolumikizidwa ndi ndalama zachikhalidwe, ndiye kuti, mumsika wamsika. Komanso kumsika wina wazachuma, kuyambira ndalama mpaka miyala yamtengo wapatali. Kupatula zochepa.
  7. Njira ina zachokera kusakaniza gawo limodzi lazopeza zokhazikika ndipo linalo lotsala mosinthasintha. Komwe kuwerengera konse kudzakhala komwe kumatsimikizira mphotho yazogulitsa zamabanki izi.

Ndi ndani?

mbiri yazogulitsa Omwe alandila izi zapadera kwambiri si ena ayi koma ndalama za mbiri yosamala kwambiri. Safuna kudziwonetsera okha ku chipwirikiti cha misika yachuma ndikusankha mitundu yotetezeka kwambiri. Adzangopeza phindu locheperako pakuchita bwino pamsika wamsheya wazitetezo zomwe zimasungidwa mudengu lomwe mwasankha kuyambira nthawi yomwe adasungitsa.

Njirayi itha kupangika kukhala yovomerezeka pamtengo wotsika kwa onse opulumutsa. Zotsatira zake, pangani a kuwonetsedwa pang'ono pamisika yachuma. Mutha kutenga mgwirizano pazachitetezo, komanso ma indices, magawo kapena madera omwe muli kubetcheraku pazachuma. Mulimonsemo, iwalani zopezanso ndalama zowerengeka ngati kuti ndi msika wogulitsa.

Malingaliro omwe mumalandira kuchokera ku mabanki ndi ochepera zaka zochepa. Zowonadi, koma ngakhale zili zonse muli ndi mitundu yomwe imatumiza mawonekedwe apaderaderawa. Muyenera kusankha okhawo omwe bwino kusintha mbiri yomwe mumapereka monga osungira pang'ono, ndipo dikirani kuti mupindule kwambiri. Ndipamwamba kwambiri momwe mungafikire mgululi lazogulitsa mabanki.

Zoyipa pakulemba ntchito

Zina mwazolephera zamtunduwu wazopulumutsa, phindu locheperako lomwe mungapeze m'mabungwe, kaya apangidwe bwanji, ndiwodziwika. Ndizosiyana kwenikweni pakati pamitundu ina ndi ena. Zolimbikitsa pankhaniyi ndizochepa. Osati pachabe, ndipo ngakhale zingawoneke zosiyana, simukukumana ndi malonda. Koma kokha akutumikira monga thandizo kukweza magwiridwe antchito apachaka. Palibe china.

Malipiro awo, mbali inayi, mudzakusonkhanitsani nthawi yonse ikadzafunika, ndipo idzapita mwachindunji ku akaunti yanu yowunika. Ngati mukukhulupirira kuti msika wamagulu adzauka m'miyezi ikubwerayi, ndikofunikira kuti musankhe Zogulitsa zina, koma amachita molunjika.


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