Haazi nguva dzakanaka dzekudyara, zvakanyanya kushoma kune vatengi vemabhangi. Ndomumwe wemhedzisiro yemari yakachipa nenhengo dzemari dzeEuropean Union, idzo dzakadzikisa huwandu hwezvibereko kusvika pa0%, muchiitiko chisati chamboitika mumakumi emakore apfuura. Mhedzisiro yekutanga yakanzwikwa muzvigadzirwa zvakagadzirirwa kuchengetedza (madipoziti, maakaundi, manotsi ekuvimbisa kubhengi, nezvimwewo) vakaona kudzoka kwavakaita deredza miganhu yako yekutengesa. Panguva ino zvakaoma kuwana modhi ine hunhu hunopa goho rinopfuura 0,50%.
Zvinhu hazvisi nani zvakanyanya mukudyara. Nguva dzese zvakanyanya kuomarara kushandisa zvakakwana kuchengetedza. Iko kusava nechokwadi kwakawanda kuri kutambudza misika yemari kuri kukonzera kudzoka kudzikira. Kunyangwe nematanho enjodzi anogona kukuvadza zvinzvimbo zvakavhurwa nevashambadzi vadiki nepakati. Pakati pemwedzi mitanhatu yekutanga yegore rino, avhareji yemarudzi indices akaderera neinenge 2%.
Kubva pane ino isingabhadharwe mamiriro, pane mashoma uye mashoma mikana yevanoshandisa mabhengi kuyedza kuwana yakajeka kujekesa muyero wepfuma yavo. Ivo chete vane marongero emasangano emari akagadzira akateedzana ezviito zvine chinangwa chikuru chengetedza vatengi vako vepamusoro. Uye pane zvaunogona kutora mukana kubva ikozvino zvichienda mberi, kana iwe ukaratidza kuitika mune nzira dzemabhangi aya.
Mari dzinovimbiswa
Iyi kirasi yezvigadzirwa ndeimwe yemabhenji makuru anopihwa nemabhangi kuitira kuti vashandisi varambe vari mune yavo yekutengesa network. Iwo akavakirwa pane yakapusa zano, inotanga kubva kupihwa kwekushomeka kudzoka, uye iyo mune zvese zviitiko inovimbiswa. Kukwezva kukuru kwemari idzi ndekwekuti haisi yuro yekuchengetedza inorasika. Kupa chiyero chemubereko chinotangira pakati pe1% uye 3% pagore. Kune vese, vane yakawandisa nguva refu yekugara, iyo isinga pfuure makore mashanu. Inotarisirwa kune yakasarudzika-yakasarudzika nhoroondo yevatengi: vakwegura, nehombodo yakakura yekuchengetedza, uye ndiani anonyanya kuzvidzivirira munzira dzavo dzekudyara.
Ivo vanowanzo kuve imwe sarudzo kune makuru mamodheru ekuchengetedza vatengi. Hazvishamise kuti zviri kuwedzera kuoma kugadzirisa mashandiro emaakaunzi azvino. Izvi zvinongoitika kuburikidza ne yakawanda goho maakaundi, uye kune rimwe divi kune zviyero zvinonyanya kudiwa. Kana marongero ese ari maviri akashandiswa, varidzi vezvigadzirwa zvebhangi vanogona kusvika kune 2% chipingamupinyi, kunyangwe zvishoma zvishoma kuburikidza nemazano ane hukasha emabhangi.
Iko kushanduka kwezvikamu zvekuchengeta hazvina kusiyana zvakanyanya kubva kune aya maitiro. Yake batanidza kune zvimwe zvinhu zvemari iyo ndeimwe yematanho mashoma ayo anovhurwa gore rega rega maakaunzi ega evashandisi anoratidza chiyero chine hunyanzvi. Iyo hombe yekubatanidza nesangano rezvemari, kune rimwe divi, ichave imwe yenzira dzekutora kana iwe uchida kuti vakupe iwe kudzoka kwakakura kupfuura 1%. Uye sesarudzo yekupedzisira panogara paine sosi yekuwedzera mazwi ekugara, kutanga kubva kumamodeli ekuchengetedza kubva pamwedzi makumi maviri nemana. Kunyangwe iine zvirinani mune zvido kwete zvakanyanya kukuremedza.
Zvigadzirwa zvekuchengetedza
Kudzivirira kubhururuka kwevatengi, mabhangi haana sarudzo asi kuvapa mamwe mabhenefiti. Uye kuti muzviitiko zvakawanda enda kuburikidza nekubviswa kwakananga kwemakomisheni uye zvimwe mari mukutarisira kwavo kana kugadzirisa. Ivo vanowanda kuburikidza neazvino kubhengi kupihwa, uye izvo inofambidzana nedzimwe nzira dzekuwedzera. Pakati payo iyo yakananga kubhengi yemubhadharo (kana pension) uye hombe dzimba mabhiri (mvura, magetsi, gasi, nezvimwewo) zvinomira. Kusvika padanho rekuti vanodzoka kusvika ku3% yemari yakabhadharwa kuburikidza neiyi zano.
Matanho ekuti zvigadzirwa izvi zvinyanye kukwezva zviri kutosvika pachipo chezvipo zvinoratidzira mukutsinhana nekuvimbika kubhangi. Kwete kune chimwe chinangwa pane kuenda kune zvinopihwa zvemakwikwi. Uye kwavasingazeze kuburitsa madhipatimendi anobatsira, ayo anogona kusvika pamazana mashanu% mune chimwe chikumbiro chakanangana.
Chimwe chinosimudzira chekuvandudza mashandiro emaakaunzi uye maisipo ndeaya fambisa yako online kuhaya. Pamusoro pekureruka kwemafomati, akabatanidzwa pachiitiko ichi nekuwedzera kwemubhadharo wake. Nekudaro, iyo haizove chero chinhu chinoshamisa, asi chete mashoma egumi kupfuura ayo ekutanga mareti. Kunyangwe, chero zvakadaro, chiri chirongwa chiri kuwedzera kushandiswa nemabhangi.
Corporate zvisungo
Kushaikwa kwerubatsiro muzvakakurumbira zvekuchengetedza uye zvigadzirwa zvekudyara kuri kutungamira mukuchinjiswa kwezvipo kune mamwe mamodheru ekuvandudza evatengi, uye pamwe mune imwe nyaya iri yekutangawo. Iwo mabhendi emakambani, ayo anopiwa nemakambani kuitira kuti avhareji kudzoka kweanenge 2% inogona kuwanikwa. Dambudziko hombe rine chekuita nekuhaya nderekuti zvinoda nguva yakawanda mukugara kwavo, pakati pemakore matatu kusvika mashanu ayo iwe uchafanirwa kuchengetedza iyo mari isingaenzaniswi kusvikira zuva rayo rapera.
Iko kupihwa kwerudzi urwu rwezvisungo kwakakura kwazvo, kuuya kubva kumativi ese ebhizinesi (mota, kutaurirana, mishonga, chikafu, nezvimwewo). Izvo zvinokurudzirwa seimwe sarudzo kuzvinhu zvinochengetedza hupenyu, uye izvo zvaunganyadziswe nekusakwezva kwemaitiro akagadzirwa-akagadzirwa. Kusvika padanho rekuti iwe unogona kusarudza pakati pemari zhinji dzekudyara dzinoenderana neiyi yemari nhumbi, ndiko kuti, mabhizimusi emakambani.
Mari yekudyara mari
Kana iwe usiri kuda kuomesa hupenyu hwako zvakanyanyisa, hauzove nesarudzo kunze kwekuenda kune mari yekudyara. Kwete pasina, iwe unogona tora chikwama chakavimbiswa. Ichakupa kushoma kudzoka, asi kuti iwe unogona kutarisira gore rega. Kuti uwedzere margins iwe uchafanirwa kutora njodzi dzakakura, kuburikidza nemari ine mwero yemari, kana chii chiri nani, kuburikidza nemari yakavhenganiswa. Iyo yekupedzisira inosanganisa zvinhu, zvese zvakagadziriswa uye zvinoshanduka mari, muzvikamu zvinoenderana neprofile iwe yaunopa se saver.
Imwe mhinduro inomiririrwa nemari yemari, asi iine zero zero kuita mukati memwedzi yekupedzisira. Uye izvo zvinongokubatsira iwe kuchengetedza yako yeupenyu kuchengetedza. Semhedzisiro yemaitiro ese aya, nzira chete yekuvandudza zvinhu zvako ndeyekuisa pangozi nzvimbo dzako dzakavhurika. Uye mune ino pfungwa, zviyero ndiwo mamiriro akanakisa umo mukana uyu unogona kukura.
Chibvumirano chinowedzera mitsara yakanaka yechikwereti
Kunyangwe isina chekuita nekuchengetedza, imwe nzira iyo zvikumbiro kubva kumasangano emari anoendeswa ndeyekuhaya mamwe makwikwi ekukwikwidza uye pakati payo zvakare paisanganisira mogeji. Kuvimbika kwevatengi kuchave chinhu chakakosha mukuzadzisa zvinangwa. Hazvina kuitika kuti sezvo zvigadzirwa zvakawanda (inishuwarenzi, zvirongwa zvepenjeni, mari yekudyara, nezvimwewo) zvakabvumiranwa nesangano, nzira dzekubhadhara dzinotarisirwa nemitero yakaderera, uye kuti vanokwanisa kusvika pauviri hwe2% mune yakanakisa zviitiko.
Aya marongero ekutengesa anoshandiswa zvine hukasha muzvikwereti zvemamogeji Kudonha muEuribor kufarira kwakagadzira izvo zvinopihwa nemabhangi zvinotungamira mukupa inopararira pazasi pe1%. Asi kwete chete pachinhu ichi misiyano inogona kucherechedzwa. Zvakare mukubviswa kwemakomisheni makuru uye zvimwe zvinoshandiswa mukutungamira kwayo. Chekupedzisira, ivo vanounzwa mune zvavo zvekupa pasina pevhu chidimbu. Uye nenzira iyi, tora mukana weiyo yakanaka shanduko yeEuropean benchmark index.
Makadhi emahara evatengi
Ikozvino hazvichadiwe kubhadhara kubhadhara kweimwe yemakadhi mazhinji (kiredhiti uye madhibhiti) ayo anotengeswa nemabhangi. Kune nzira dzakawanda dzekuvasunungura zvachose, kunyange mukuchengetedza kwayo. Icho chimwe chezvikorekedzo zvinoshandiswa nemabhangi kuchengetedza vatengi, uye kwete kuenda kumakwikwi. Zvinongodiwa chete kuvhura account yekutarisa, kusaina chirongwa chekuchengetedza, kana kunanga mubhadharo kana mari yakajairwa kuitira kuti kubva zvino kuita uku kusabatanidze kubvisirwa mari kwevatengi.
Dzimwe fomati mumapurasitiki, kune rumwe rutivi, zvinokutendera iwe kuti uite iri rinotevera zororo pese paunofanirwa kuenda kuchiteshi chegasi kuti ubhadhare iwe zvishoma. Ivo vanogadzira mabhonasi epakati pe1% uye 3% mune yega yega mashandiro, uye ayo anopedzwa nezvidimbu pane zvakateedzana zvinyorwa uye zvigadzirwa panzvimbo dzebasa.
Zvakanakira zvaunogona kuendesa kubva kumakadhi ako hazvimire pano, sezvo nhevedzano ye discounts mumitengo yevazhinji vashanyi masevhisi (mahotera, masangano ekufambisa, ndege, kubhadharisa mota, mapakeji ezororo ...). Uye mune chero mamiriro ezvinhu, inogona kuburitsa zvinopfuura zvinodikanwa mhedzisiro pane yako yekutarisa account account. Mune mafomati ane hukasha, vanouya kuzokupa iwe kubhadhara kutenga mune dzimwe nzvimbo dzekutengesa mumwedzi yakati wandei, asi pasina chero rudzi rwechido.
Kune hoko zhinji, nekudaro, iwo mabhangi anotengesa kuitira kuti iwe urege kurega uchinyengerwa nezvakataurwa zvemakwikwi. Ikozvino ichazosara kujekesa kana ichinyatso kukosha, kana zvinopesana, inogona kuve sosi nyowani yemari. Izwi rekupedzisira, shure kwezvose, iwe uchagara uine iwe pachako.