Kana izvo zvauri kufunga ndezvekuti zvakarongedzwa madhipatimendi akafanana neechinyakare iwo awanga wabvumirana kusvika ikozvino, wanga uchinge watadza. Hazvishamisi kuti, vane misiyano yakakura sezvo vachiumba mhando dzakasiyana dzekudyara. Kusvika padanho rekuti ivo vakatsanangura chaizvo hunhu hunovaita kuti vapfuure kune zvigadzirwa zvine chokwadi hunhu hwekudyara. Chero zvazvingaitika, ichave imwe yeimwe sarudzo iwe yaunofanirwa kuita kuti kuchengetedza kunobatsira kubva ikozvino.
Kana dhipatimendi rakarongedzwa rakasiyanisirwa nechimwe chinhu, imhaka yekuti haupe mari yakachengetwa chero bedzi iwe uchiremekedza nguva dzakatarwa kune izvo zvigadzirwa zvemari zvinotungamirwa. Hazvishamisi kuti imwe neimwe yavo ine zuva rekubuda, chero mari yemari iyo yainogadzirwa. Nenguva dzakasiyana kuitira kuti vagone kuchinjiswa kune chero chimiro chemudiki uye wepakati investor. Kubva kune vane hasha zvakanyanya kusvika kune vanozvidzivirira zvakanyanya, pasina zviyero zvemhando iyi mune izvi, kupfuura mamiriro ezvinhu edzidziso dzakazvirongedza.
Iwe unofanirwa kufunga kuti chero bedzi iwe uchichengeta yako investimenti panguva yakabvumiranwa nguva hauzove uine chero dambudziko kune chengetedza mari yese yakaiswa mari. Ndokunge, 100% yemipiro yemari iyo iwe yawakagadzira mune ino yemari chigadzirwa. Dambudziko rinomuka kana iwe ukasaremekedza nguva dzakatarwa, uye mune izvozvi unogona kurasikirwa nechimwe chikamu chemari yakaiswa mari. Senge sekunge kwaive kudyara mumisika yemari. Chero zvazvingaitika, unogona kusarudza kwetemu iri pakati pegumi kusvika pagumi emakore. Inochinjika zvakanyanya uye kuti ugone kuzadzisa zvaunoda zvemari.
Yakagadziriswa: zvishoma kana zvizere zvipo
Pane zvinopesana, kana iwe uchida chikamu kana yese yeinvestment, ndipo panogona kutanga matambudziko. Mupfungwa yekuti kana uchida kudzosera mari yako, zvishoma kana zvachoseNguva isati yapera, unogona kuzviita kuburikidza nemahwindo emwedzi emari anofungidzirwa neizvi zvigadzirwa zvemari. Asi mune ino chaiyo kesi, haigone kuvimbisa iyo yose kudyara. Kusvika pakuti iwe unogona kurasikirwa neimwe mari mukuita.
Icho chigadzirwa chebhangi chaunogona kuhaya kubva kungoita ma1.000 euros. Nenguva yakatarwa yekuhaya: kana nguva yekunyorera kana huwandu hwese hwazvipira hwapera, hazvigoneke kuvashandira zvakare. Sezvauri kuona, haisi modhi yekudyara zvachose inoda uye mupfungwa iyi inogona kuunganidzwa pamwe neakajairika madhipatimendi pamusika. Ndokunge, sekunge kuti yaive imwezve temu yemutero, iine mhedzisiro yemusiyano.
Vanotsanangurwa sei?
Mari dzakarongedzwa hadzifanirwe kusungirwa pamari yakatarwa, sezvo ichiita senge inonzwisisika. Kwete kunyange misika yemasheya. Kana zvisiri, pane kudaro, vanogona kubva chero hupfumi hwemari, senge bhenji yekuEurope, inozivikanwa seEuribor. Iko kwavanenge vaine nguva yekunyorera iyo yakaoma kwazvo uye zvekuti kana ukapfuura mazuva acho haugone kuzvinyoresa neimwe nzira. Kwete senge mune echinyakare madipoziti aunogona kurisimbisa panguva iyo iwe paunofunga kuti zviri nyore kuvhara iko kuvhiya.
Mashini ayo ekuhaya ari nyore kwazvo sezvo paine mazuva matatu ebhizinesi kuti iwe uve nawo kuchengetwa muakaundi account kune iyo dhipoziti yemari yakumbirwa. Asi kana paine chero chikonzero chisina kukwana zvakakwana, kunyorera kuchamiswa. Uyu mutsauko mudiki unovasiyanisa kubva kune zvimwe zvigadzirwa zvemari. Kunze kwenzira dzayo dzehunyanzvi dzinoenderana nechimwe chikamu chakasiyana zvachose uye icho chichaongororwa mune zvimwe zvinyorwa. Kune rimwe divi, kune zvakare zuva iro rinozoshanda kugadzirisa mitengo uye ndiyo ichave iyo ichaona iyo chaiyo purofiti yemakarongedzwa madipoziti.
Kubatsirwa chaiko kwema deposits aya
Unogona kunge wave kutoshamisika kuti ndeipi chiyero chemubereko icho iwe chaunowana kubva kune akarongeka madipoziti. Zvakanaka, ichave ichikwikwidza zvakanyanya kupfuura mune zvimwe zvisungo. Panguva ino inogona kuwanikwa pakati pe0,20% uye 0,90%, zvinoenderana nemuenzaniso wakasarudzwa. Iko, ichi chigadzirwa chine hunyanzvi chinobhadhara icho chigadzirwa chinobhadhara coupon kune inoenderana chikamu chemhindu. Hutsva hwese zvine chekuita nedzimwe nzira dzekuita kuti mari yakaunganidzwa ibatsire.
Kune rimwe divi, haugone kukanganwa kubva zvino zvichienda mberi kuti aya madhipatimendi akasarudzika anozivikanwa nekuve akaomarara kupfuura mamwe ese. Uye zvakare, ivo havafarire kune vanoisa nekuda kweiyo nguva dzakadaro dzakakwirira iyo yavanotengeswa nayo. Kusvika padanho rekuti imwe kirasi yezvigadzirwa inoitirwa kuchengetedza inofarirwa. Hazvishamisi kuti kuwedzera kwekuita purofiti hakusi kunetsa uye kungosimudza nezvishoma muzana muzana muzana. Seimwe yematambudziko makuru ekunyora madhipatimendi akarongeka.
Kusungwa kwezvinogadziriswa
Kune zvakawanda zvinowirirana mune izvi zvigadzirwa sezvo paine mari yemari uye nekudaro, uye nenzira, semuenzaniso, Banco Santander yakarongedzwa mumaeuros yakabatana nekuchengetedzwa kweVodafone, Eon, Eni neOrange. BBVA, yechikamu chayo, inofungisisa mune yayo yekuchengetedza inopa yakagadziriswa mareferenzi kune Repsol masheya. Chero zvazvingaitika, kana mushandisi achida, anokwanisa zvakare kureva iyi yekuchengetedza modhi kuna dzimwe mari, kunyanya nedhora reUS. Kunyangwe mhedzisiro yacho ichizosiyana zvichienderana nemutengo wayo mumisika yemari, nekusagadzikana kukuru mukutarisira kwainopa panguva ino.
Kune rimwe divi, kune akati wandei emabhengi masangano akasarudza kubheja pakuvandudza purofiti pamwe nemadhidhi akabatanidzwa masheya, indices kana mutual mari. Iyi inzira isina kunangana yekuzvimisikidza mumakero pasina kutora njodzi dzakawanda. Nekuti zvinzvimbo zvisina kunaka mune izvi zvemari midziyo zvinodzikisirwa uye kusvika padanho rekuti kurasikirwa kwacho hakuna kukwira sezvazvinogona kuitika nezvinhu zvambotaurwa. Mupfungwa iyi, iri musanganiswa wakasarudzika pakati peiyo mari yakatarwa uye mamodheru ekudyara.
Hunhu hwakarongeka
Mipiro yemadhipatimendi akarongeka yakanyatsotsanangurwa uye, kutanga kwezvose, ivo vanopa yakakwira zvishoma chiyero chemari, iyo iri pakati pe0,20% ne0,70% yezita. Nekudaro, huwandu hwayo hwekupedzisira hunotsamira pazana re kugovera kwekudyara uye kubva kuhomwe kuenda kune mari yekudyara yakasarudzwa nemushandisi. Mune imwe tsinga, chokwadi chekuti chimwe chezvipingamupinyi cherudzi urwu rwechigadzirwa hachisi kuziva purofiti yekupedzisira yatichawana kana yapera hazvigone kucherechedzwa. Kusiyana nemadhipatimendi echinyakare mune iro purofiti inowanikwa inowanikwa inozivikanwa kubva pakutanga.
Iko kana paine kuitika kwakajeka, kuri mune chengetedzo iyo yako yekuhaya inopa. Nekuti zvirizvo, icho chigadzirwa chakachengeteka nekuti zvinodzorwa neBhangi reSpain uye neDepositi Guarantee Fund. Kuvimbisa kusvika ku100.000 euros nehomwe uye zita chero chiitiko chinogona kuitika neanopa. Chero zvipi zvakaita chimiro chimwe chete uye chimiro kwachakashanda. Izvo hazvigone kukanganikwa kuti zvinodzorwa neNational Securities Market Commission (CNMV), ichipa dziviriro huru kune anoisa.
Ndezvipi zvakaipira?
Chero nzira, kunyorera kwako kunotakura nhevedzano yeutera iwe yaunofanirwa kufunga nezvayo kuti uone kana zviripo kana kuti kwete kuzviita zvepamutemo Pakati pazvo pane zvinotevera izvo zvatinokufumura pazasi:
- Dhipatimendi rakarongedzwa rinoshanda mukati misika yechipiri uye semhedzisiro iwe uchave nematambudziko akawanda ekugadzirisa zvigaro panguva yaunoda.
- Zviitiko zvepamusoro zvine njodzi zviripo, senge izvo zvine hukama nazvo chikwereti chebhangi uye kuti vanogona kugadzira rimwe dambudziko mukudyara.
- Misika iyo makambani akaumbwa anoshanda anozivikanwa nenyaya yekuti anoonekera nekusavapo mu kutarisa kwekunze. Chinhu chinotadzisa kuchengetedzeka kunopihwa nechigadzirwa chemari ichi.
- Ivo vari pane imwe nhamo maererano nerudzi rwezvinhu nekuti misika yechipiri mairi yekushandira inogadzira a yakaderera liquidity. Ichi chinhu chakakosha kwazvo mukudyara mari yako mune chigadzirwa chemari.
- Uye pakupedzisira, izvo pamwe haina kutsiva basa rako kune purofiti yavanopa panguva ino uye izvo zvinogona kukuita kuti usarudze mamwe mamodheru ekuchengetedza asina kuomarara uye pasina njodzi dzakawanda kudaro.
Pane kudaro, masisitimu akarongedzwa anotendera iwe kuti utaridze kune akasiyana makirasi emari zviwanikwa, zvimwe zvacho zvausina kumbofunga nezvekuvhura zvinzvimbo kuti mari yako iwane purofiti. Kune rimwe divi, inochengetedza kugutsikana kwakangwara kana ichiyera purofiti yayo nenjodzi dzinogadzirwa mukuita kwayo. Zvakare chokwadi chekuti mari yekudyara inogona kuitwa kuti ikuteedzere iwe nekuda kwehunonyanya kukosha hunhu. Pasina kukanganwa, hongu, kuti ivo vanogona kukubatsira iwe kuvandudza mashandiro kana zvinotarisirwa zvazadzikiswa pakupedzisira. Nekudzoreredza kwekudyara mukukura, kunova pakupera kwezuva izvo zviri zvese nezve.