Ndekupi kwatinoisa mari yedu? Uyu mubvunzo wakakosha kujekesa kuti ndeipi mepu yekudyara munyika medu. Kuratidza kuti tsika dzedu ndedzei kutonga kwemari uye kunyangwe zviri zvigadzirwa zvemari zvinovimbwa zvakanyanya nevashambadzi vadiki nepakati. Hazvishamise kuti kupindura iyi yese mibvunzo kunobatsira kujekesa zvimwe zvezvinhu zvakabatana nebazi rekudyara.
Sekureva kwe'I Popcoin Investment Barometer ', Bankinter's digital investment manager, 94% veSpanish vanoona zvakakosha kuve nebhangi rekutsigira mari yavo. Izvo, mari yepenjeni (45%) uye mari yekudyara (44%) zvese zviri zviviri zvigadzirwa zvemari zvinosarudzika nevagari. Chirevo ichi chinoratidzawo kuti vatanhatu pagumi vanoponesa veSpanish vane makore ari pakati pe25 ne44 vanosarudza mafomu edhijitari ekudyara pamusoro peuso kumeso.
Chokwadi chiri kunyanya kurova muongororo iyi ndechekuti mukati mezvinhu zviviri zvemari pamwe nekufungidzira kukuru Savers haisanganisiri kutenga nekutengesa zvikamu mumisika yemari. Chimwe chinhu, kune rimwe divi, chinonzwisisika uye chinonzwisisika panguva yekubatana umo musika wemasheya hausi mune yayo yakanaka mamiriro. Hatigone kukanganwa kuti mukati megore rapfuura, misika yepasi rese yemasheya yakadzikira pasi pavhareji inofungidzirwa ye15%. Nekushomeka kwakadzokera kumisika nesimba rakakosha uye kusimba.
Nhoroondo yevaSpanish saver
Sekuratidzwa kunoitwa neichi chikamu chezvematongerwo enyika, 71% yevaponesi veSpain vatengesi uye vakagovera, pakati pezvigadzirwa zvemari zvakasiyana, capital ye pakati pemakumi maviri nemakumi mashanu euros. Iyi ndiyo imwe yemhedziso huru yeiyo Ini Popcoin Investment Barometer, Bankinter's dijitari yekudyara maneja.
Mukati meiyi renji, 34% yeaya makambani anosimbisa kuti vane mari yakaiswa pakati pe1.000 ne10.000 37 euros, nepo 10.000% ichiti iri pakati pezviuru kusvika zviuru makumi mashanu euros. Vakabvunzwa nezve nguva nenguva mari dzavanoita, idzi dzinosvika mazana mashanu euros mu50.000% emakesi, nepo 500% yevatengesi vachipa zvipo zvinopfuura chiuru nemazana mashanu emadhora.
Rubatsiro rwemari
Imwe yeiyo mhedzisiro yeBarometer inotarisa pachinhu chekuti veSpanish vanoona chimiro cheane maneja maneja chakakosha kwazvo pakuisa mari, sezvakaratidzwa nenyaya yekuti 93% yeavo vakaongororwa vanotenda kuti zvakakosha iva nemaneja kuti ikubatsire kusarudza uye kupa sarudzo pane ako ekudyara. Hazvishamise kuti mazhinji ekurasikirwa kunoitwa mumisika yemari kuri nekuda kwekusaziva kwechigadzirwa kana sevhisi inobvumidzwa kuburikidza nebhangi.
Mupfungwa iyi, uye kuwedzera kuwedzera kana kusimbisa kuvimba mumasevhisi manejimendi, vakapindura zvakare vanokoshesa kuchengetedzeka kwekuve bhangi rinotsigira kudyara kwakaitwa, sezvo makumi mapfumbamwe nematatu kubva muzana vachitaura kuti chinhu ichi chakakosha kwavari kana vachiita sarudzo yekudyara.
Zvizhinji zvinogadzirwa zvigadzirwa
Imwe yemhedziso huru yakasvikwa nemushumo uyu ndeyekuti ivo ndivo mari yekudyara uye mari yepenjeni, zvigadzirwa zvinofarirwa nevaponesi veSpanish. Mupfungwa iyi, zviri pachena kuti zvine chekuita nezvinodiwa zvekudyara zvevaSpanish, mari yemudyandigere (45%) uye mari yekudyara (44%) inomira seyakasarudzika, pamusoro pezvimwe zvigadzirwa zvemari senge, semuenzaniso, masheya (35%). Imwe dudziro yeiyi data ndeyekuti kune kuwedzera kuri kufarira kutarisira izvo zvinogona kuitika mumakore ekurega basa.
Kune rimwe divi, huremu hwemari yekudyara hwakanyanya kukosha mumazera emakore kubva pamakore gumi nerimwe. Nekudaro, 50% yevatengesi pakati pemakore makumi matatu nemakumi matatu nemana ekuberekwa vanoenda kuchigadzirwa ichi. Muboka rezera riri pakati pe35 ne44, iyo pesenti inomira pa45%, uye kusvika pa54% yevatengesi pamusoro pemakore makumi mashanu nemashanu ekuberekwa vanovimba chikamu chemari yavo kumari yekudyara. Nekusiyana kwakasiyana zvichienderana nezera revanonyorera zvigadzirwa zvemari izvi, chero yavo iri mamiriro uye mamiriro.
Kufarira mukutengesa online
Chirevo ichi chinosimbisawo chimwe chokwadi chinokosheswa uye icho ndechekuti 'online' chiteshi ine huremu huri kuwedzera pakati pezvinodiwa nevashandisi mukirasi ino yezvigadzirwa zvemari. Kune rimwe divi, iyo Ini Popcoin Investment Barometer zvakare yaona kukwira kwenyaya mukudyara kwedhijitari. Mupfungwa iyi, 55% yevechidiki vari pakati pemakore makumi maviri nemashanu nemakumi matatu nemana vanofarira invest shape paIndaneti, nepo 32% chete vangasarudza kushanyira hofisi mumunhu.
Iyi shanduko, iyo inosimbisa kushandurwa kwesarudzo dzemagariro kuenda kumasevhisi edhijitari senge robo Advisors, vatariri vemari paIndaneti, inodzokororwa zvakare muboka rezera riri pakati pemakore makumi matatu nemana nemakumi mana nemana, panoshandiswa 35% nzira dzedhijitari kusarudza kwavanoenda kusevha yavo, nepo 43% ichisarudza yepanyama. Iyi ndiyo tsika mukutarisira kwemari kuri kukura zvishoma nezvishoma uye kuri kusvika kumatunhu akakwirira, kunyanya nekuda kwekuvapo kwevashandisi vadiki.
Mari yekuverenga zvemari
Hapana mubvunzo kuti iyo degree rezvemari ruzivo nderimwe remhedzisiro yezvinhu zvekusarudza kana kunyora pasi chigadzirwa chemari, chero chingave chiri. Mupfungwa iyi, chirevo chinonongedza kuti uku kukoshesa nzira paIndaneti Inosimudzirwawo pakuongorora, kuwedzera kune zera, iro zinga reruzivo rwemari urwo vagari vanarwo: iyo yepamusoro padanho reruzivo, iwo muhombe kudyara kuburikidza nemadhijitari.
Zvinoenderana ne data re Ini Popcoin Investment Barometer, 58% yevasevha vanozviti vane ruzivo rwakajairika, rwavanonzwisisa narwo pfungwa dzakakosha, senge zvinorehwa nechikamu chekambani yakanyorwa, zviyero zvemari kana homwe yekudyara. Kune avo chikamu, 23% vanozviti vane huwandu hweruzivo, mazwi ekuzwisisa senjodzi, kudyara mari kana kurasikirwa kwekukosha.
Chekupedzisira, chete 5% yevakabvunzwa vanoti vanonzwisisa zvinorehwa zvakanyanya kupfuura zvakapfuura uye 14% yavo inoratidza kuti havana ruzivo rwemari. Nekudaro, avo vane ruzivo rwakakwirira kana rwakanyanya kwazvo, vanojekesa zvavanofarira pamatanho epamhepo pavanenge vachiita mari, kunyanya, 56% uye 60%, zvichiteerana. Kusiya zvakanyatsojeka chii chinonzi profile yakataurwa nemushandisi panguva ino uye izvo zvinotsanangura kune imwe nhanho nei zvimwe zvigadzirwa zvemari zvakabvumidzwa kukuvadza vamwe.
Mari yekudyara, kumusoro
Hazvishamise, nekudaro, kuti mari yekudyara ndeimwe yezvigadzirwa zvekudyara zvinosarudzwa neSpanish. Izvi zvinoratidzwa neAssociation of Collective Investment Institutions uye Pension Funds, izvo zvinosimbisa izvozvo kunyangwe zvishoma kudzorerwa Mumwedzi ichangopfuura, mari yekudyara yakavhara gore rapfuura nemabhadharo emambure anosvika mamirioni 8.410 emamiriyoni.
Iko kushomeka kuripo mumisika yezvemari mumwedzi ichangopfuura kwave zvakare nekukanganisa kwakashata pakusanduka kwemidziyo yeInvestment Funds mukati memwedzi waZvita. Muchokwadi, iyo huwandu hweaseti vakasangana nekugadziriswa muna Zvita kwema7.589 mamirioni euros (2,9% pasi pemwedzi wapfuura), uye ndokuvhara gore pa257.551 mamirioni euros. Kunyangwe nenzira iyi, zviri pachena kuti chigadzirwa ichi chichiri kupa kuvimba pakati pevatengesi veSpanish. Pamusoro pezve kutenga uye kutengesa kwemasheya mumisika yemari.
Yakavimbiswa uye mari
Izvo chete zvikamu zvavakamboona equity inowedzera pakupera kwegore rapfuura ndivo vaive vanochengetedza zvakanyanya, senge vakavimbiswa uye mari, pamwe nekuwedzera kwe137 ne186 mamirioni euros, zvichiteerana. Nekudaro, yavo midziyo yakadzikiswa mukati megore rose, uye semhedzisiro yenguva dzakakosha idzo misika yezvemari yakapfuura uye pasina kunze kwemhando ipi neipi.
Nepo zvichipesana, chikamu chine kuderera kukuru mu equity muna Zvita yaive equity dzepasirese (2.610 mamirioni euros pasi paNovember), asi rakavhara gore nekuwedzera kwemamiriyoni e97 euros, inomiririra 0,3, XNUMX% kupfuura mu nguva imwechete yegore rapfuura. Kune rimwe divi, kumwe kwekurovedza muviri kwakaipisisa mumakore achangopfuura uye kwarasikirwa kwakaiswa mubhalansi yemari yekudyara.
Iko kushomeka kuripo mumisika yezvemari mumwedzi ichangopfuura kwave zvakare nekukanganisa kwakashata pakusanduka kwemidziyo yeInvestment Funds mukati memwedzi waZvita. Muchokwadi, iyo huwandu hweaseti vakasangana nekugadziriswa muna Zvita kwema7.589 mamirioni euros (2,9% pasi pemwedzi wapfuura), uye ndokuvhara gore pa257.551 mamirioni euros. Kunyangwe nenzira iyi, zviri pachena kuti chigadzirwa ichi chichiri kupa kuvimba pakati pevatengesi veSpanish.