Ogwiritsa ntchito amasiya ndalama zothandizirana: zowombolera zochulukirapo

kubweza Ndalama zothandizirana si ndalama zomwe zimadutsa munthawi zabwino kwambiri. Ngati sichoncho, m'malo mwake, komanso malinga ndi zomwe zaperekedwa posachedwa ndi Association of Collective Investment Institutions and Pension Funds (Inverco) zikuwonetsa kuti kubweza zomwe zikulamula kuti mitu yawo ikufika pamlingo wosawoneka m'zaka zaposachedwa. Komwe kupita patsogolo kwachuma kwachuma ndichimodzi mwazomwe zimadziwika pamsika wapaderawu.

Sitingathe kuiwala kuti mchaka chino, chomwe chatsala pang'ono kutha, gawo labwino la ndalama zandalama izi zitha kutchulidwa kuti ndizovuta. Ndikutsika kwakukulu pamtengo wake ndipo nthawi zina mu magawo awiri a manambala. Koma izi zawonjezedwa chifukwa chakuti sizimangokhudza ndalama zoyendetsera ndalama monga momwe angaganizire kuyambira pachiyambi. Ngati sichoncho, m'malo mwake, iwo omwe amapeza ndalama mosasunthika kapenanso kuchokera kwa omwe amadziwika kuti ndi mitundu ina akuvutikanso.

Izi zapangitsa kuti ambiri omwe amagulitsa mabizinesi ang'onoang'ono komanso apakatikati azidera nkhawa ndalama zomwe ali nazo ndipo nthawi zina sakanachitira mwina koma tsekani malo anu pazinthu zina zachuma. Nthawi zina kuti musangalale ndi phindu lanu (pogula zaka zisanu kapena kupitilira apo) komanso mwa ena kuti musapititse patsogolo zomwe mwataya. Izi ndizochitika zomalizazi zomwe ndizoopsa kwambiri kwa omwe ali ndi ndalama zogulitsa ndipo alibe yankho labwino kuposa kutseka maudindo kuti agawire ndalama zina zomwe zimabweretsa chitetezo chachikulu panthawiyi.

Ndalama zogulitsa zimalangidwa kwambiri

renti M'chigawo cholakwika m'gulu lino lazinthu zomwe cholinga chake ndi kugulitsa ndi zomwe zachokera ku Emerging International Equities ndi Euro Equities (kupatula Spain) magulu omwe adalembetsa kutsika kwakukulu m'miyezi yapitayi ya chaka, ndikubweza mwezi ndi mwezi zosaposa 5%. Zoyambazo ndi gulu lomwe lasintha kwambiri mchaka (-8%). Mpaka kuchuluka kwa omwe amatenga nawo mbali pazandalama zadziko lonse zatsika mwezi watha (pafupifupi 140.000 poyerekeza ndi mwezi wapitawo), ndipo chiwerengerocho chinali pafupi kwambiri ndi omwe akutenga nawo gawo miliyoni miliyoni.

Kumbali inayi, mwezi watha, misika yamalonda yaku Europe idakonzedwa (mwachitsanzo, mndandanda wazosankha zaku Spain, Ibex 35, yotsekedwa ndikumapeto kwa Julayi pa -4,8% ndipo EuroStoxx 50 idatero pa -3,8%), pomwe masheya akulu ku United States adapitilizabe kukwera kwa miyezi yapitayi. Ngakhale m'miyezi iwiri yapitayi zakonzedwa pamayendedwe amasheyawa. Kupitilira pazolingalira zina komanso ngakhale pakuwona kofunikira.

Ngakhale zili choncho, ndikukhala ndi ndalama zokhazikika monga gwero, kusinthika kwake m'misika yachuma kwakhala kokhumudwitsa kwambiri kwaogulitsa ang'onoang'ono komanso apakati. Chifukwa, IRR ya mgwirizano wazaka 10 waku Germany yagwa mwezi kufika pa 0,34% kuchokera ku 0,45% kumapeto kwa chaka chatha, pomwe mbali inayi zokolola za mgwirizano wazaka 10 ku Spain zakula pang'ono kufika pa 1,42% kuchoka pa 1,38%. Komwe, chiwopsezo cha chiwopsezo ku Spain chatseka pamiyeso 114 maziko ndi 98 yomwe idawonetsa kumapeto kwa Julayi.

Kupanda chidwi cha omwe akutenga mbali

Deta zonsezi zathandiza kwambiri azamalonda ang'onoang'ono komanso apakatikati mgululi lazinthu zachuma. Ambiri mwa anthuwa asankha kubwezera magawo awo pafupifupi magawo omwe sanawoneke mzaka zaposachedwa. Pofuna kuzindikira zochitika zapaderazi momwe ndalama zachuma zilimo, ndikofunikira kuwonetsa kuti kuchuluka kwa maakaunti omwe akutenga nawo gawo pazandalama zitha kukhala pafupifupi mayunitsi 11.000.000.

Izi pakuchita zikutanthauza kuti ndi china chake maakaunti oposa 200.000 zosakwana nthawi yayitali yomwe idakwaniritsidwa mu Juni watha. Monga mbiri yakale, ziyenera kudziwika kuti mzaka zakuya kwambiri pamavuto azachuma, pakati pa 2007 ndi 2009, ndalama zonse m'mabungwe azachuma onse zidagwa ma 200.000 mayuro. Pomwe pakati pa chaka chino kuchuluka kwa osunga ndalama kwachulukirachulukirachulukira, koma m'miyezi iwiri yapitayi yagwa. Mpaka kuti gawo labwino la akatswiri azachuma ali ndi malingaliro akuti ili ndi gawo lazachuma lomwe likuwonetsa zofooka.

Kodi mungapewe bwanji kutayika mu ndalama?

ndalama Si zachilendo kwambiri kuganiza kuti ena omwe amagulitsa ndalama mgulu lazinthu zachuma ndizofiyira. Kapenanso kuti mumvetse bwino, ndalama yanu ndiyomwe yawonongeka mu ndalama zomwe mwayika nazo mpaka pano. Pokumana ndi vuto losafunikira ili, pali njira zingapo zomwe ang'onoang'ono komanso apakati omwe angagwiritse ntchito. Yoyamba ndikubwezera mwachindunji kwa pewani kuwonongekanso ndalama zina. Kukumana ndi chaka china chomwe chikuyembekezeka kupitilirabe kukhala chovuta kwambiri pamisika yazachuma.

Njira ina yothandizira yomwe ingathe kutumizidwa kuchokera pano mpaka pano ndiyomwe imachokera pitilizani mpaka pano. Mwanjira ina, kukhalabe munthumba zachuma ndi nthawi yayitali makamaka makamaka kwakanthawi. Ndizosadabwitsa kuti ndiwachilengedwe wazachuma, monga amalangizira akatswiri onse azachuma. Thumba logwirizana silingafanane ndi kugula ndi kugulitsa masheya pamsika wogulitsa womwe ungakhale miyezi ingapo. Munkhaniyi yomwe idasanthulidwa kuti ipeze ndalama zomwe ikuyembekezeredwa iyenera kukhala zaka zitatu kapena zinayi. Ndizosadabwitsa kuti ndi nthawi yanu yopindulitsa kwambiri mpaka zopereka zanu zitapezeke.

Ndemanga m'mabuku azogulitsa

Njira yachitatu pakuika ndalama imakhala onaninso mbiri yazandalama nthawi ina iliyonse. Mwachitsanzo, chaka chilichonse ndipo ino ndi nthawi yodzipereka kwathunthu pantchitoyi popeza kutha kwa chaka kuli pafupi kwambiri. Zimakhazikitsidwa pazinthu zosavuta, koma nthawi yomweyo zimakhala zovuta kuzichita, monga kusinthira ndalama zopanda phindu kwa iwo omwe atha kukula m'zaka zikubwerazi. Ngakhale kusinthitsa ntchito kuchokera pamalipiro osiyanasiyana kukhala ndalama zosasinthika kapena mosemphanitsa, kutengera mkhalidwe weniweni wamisika yazachuma.

Kumbali inayi, muyenera kukumbukira kuti kusamutsa ndalama zandalama ndi ntchito yothandiza kwambiri pazokomera zanu. Mwa zifukwa zina chifukwa sizilipira ndalama yuro imodzi ndipo sipadzakhala mtundu uliwonse wa mabungwe opanga bungwe lapaderali. Ndikofunikira kuti muzichita mu banki yomweyo kapena mabungwe azachuma. Kuphatikiza apo, ndi opareshoni yomwe mutha kuchita kangapo momwe mungafunire, mulibe malire, ngakhale zoletsa kuchuluka kwa zosamutsa zomwe mudzachite kuyambira pano.

Ubwino wamisonkho wosamutsa

ndalama Simuyenera kuiwala kuti kusamutsa ndalama zandalama kumaperekanso phindu la misonkho lomwe lingabweretse chisangalalo chopitilira nthawi ina. Pazifukwa zomwe mumvetsetsa mosavuta ndikuti simudzafunika kulengeza zopindulitsa pa lipoti lanu lotsatira la ndalama. Pomwe mukupitiliza kusunga ndalama zanu muzogulitsa zonse momwe mumakhalira. Mutha kudikirira kuti misonkho itsike kuti musunge ndalama pantchitoyi. Zachidziwikire kuti sizofanana chitani pa 18% kuposa pa 15%, kutchula chitsanzo chimodzi chokha.

Monga njira yomaliza yosinthira ndalama zomwe mumapeza kapena zomwe muli nazo pabanja, nthawi zonse pamakhala mwayi wosiya ndalama zogwirira ntchito kuti mupite kuzinthu zina zabanki zotetezeka. Mwachitsanzo, madipozedwe okhazikika, zolembera zamakampani kapena maakaunti olipira kwambiri. Komabe, chiwongola dzanja chomwe mitundu iyi yosungira ikupatsirani sichikhala chochuluka pakadali pano. Ndi ma margins omwe sapitilira 1%. Ngakhale osachepera mudzakhala ndi chitsimikizo kuti simudzataya ndalama ndipo mudzalandira ndalama zokhazikika chaka chilichonse.

Ndi njira iyi yopezera ndalama, zachidziwikire, simudzakhala milionea, koma zikuthandizani kuti mugone bwino pazovuta zovuta komanso zosasunthika pamisika yonse yazachuma. Zomwe zikuchitika tsopano ndi ochepa ndalama zazing'ono komanso apakati omwe asankha njirayi. Kuyesera kupulumutsa chaka choyipa, zonse mu ndalama komanso ndalama zokhazikika, monga chaka chachuma cha 2018 chakhaliradi, chomwe chatsala pang'ono kutha munthawi yochepa kwambiri. Ndi ma margins omwe sapitilira 1%. Ngakhale osachepera mudzakhala ndi chitsimikizo kuti simudzataya ndalama ndipo mudzalandira ndalama zokhazikika chaka chilichonse.


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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.