Muvhiki rino, dhirowa yechinyakare yeKisimusi ichagovera mari inosvika zviuru mazana maviri nemakumi masere nezviuru mazana masere euros, avo vanokunda chete ndivo vachabhadhara chero mibairo mina yekutanga yerotari uye nguva dzose pamari inodarika zviuru gumi zveeuros. Naizvozvo, kana iwe uri mumwe wevakakunda neyakareba yakamirirwa Fat Krisimasi iwe uchahodha yakazara 322.000 ye400.000 euros pagumi. Nenzira iyi, yasara 78.000 euros ichaenda kuhofisi yenyika semitero. Aya ndiwo mamiriro ezvinhu anozviratidza kana mhanza ikunyemwerera pauri vhiki rino.
Chinhu chitsva icho gore rino rinopa mumwe wemitambo inozivikanwa kwazvo yemukana pakati pevaSpanish ndeyekuti mari dzisingabhadharwe dzinowedzerwa uye chete idzo dzinopfuura 10.000 euros pagumi. Iwe unofanirwa kuzvitora kubva izvozvi zvichienda mberi pamberi pekuti mukana wekuti tikiti rako rotari ndomumwe wevane rombo rakanaka mune iri dhizaini iro mazororo eKisimusi anovhurwa Dai izvi zvaive nenzira iyi, iwe unenge uine nhevedzano yesarudzo yekuwedzera izvi zvakakosha zviwanikwa zvawanga usina muhupfumi hwako.
Kana iwe uri mumwe wevane rombo rakanaka, ivo vanokwanisa zvakare kuyedza rombo rako uye kufunga kuti iwe unogona kunatsiridza hupfumi hwako hwega kuburikidza nemisika yemari. Pakati pezvimwe zvikonzero nekuti pachagara paine mabhizimusi mikana nayo yekuwedzera mari yawakahwina muKisimusi rotari. Uine mukana wekuchinjisa kune chimiro chauinacho semudiki uye wepakati investor: ane hukasha, anochengetedza kana wepakati. Chero zvazvingaitika, iri imwe sarudzo isati yaenda kuaccount account yako.
Kisimusi Yakakora: Masika eSoko eSoko
Imwe yesarudzo dzekutanga dzauinadzo kusimudzira ako ehupfumi ndeyokuenda kumaSpanish equities ane mukana wakakura wekutenda. Iwe haugone kukanganwa kuti iyo Ibex 35 mukati megore rino iyo yave kuda kuenda yakave nekushanduka kwakashata kwazvo payaive zvinopfuura 13% zveyako chiyero. Kusvika padanho rekuti rinogona kuvhara gore panguva yepasi pagore, padyo padyo padanho re8.600 euros kana kutodzika kana iyo yekudzika tsika ichienderera mukati memazuva ekupedzisira egore.
Kubva pane ino chaiyo mamiriro, kune chikamu chemasheya chakave nekuita kwakaipisisa mumusika wemasheya uye iri iro bhangi chikamu. Nekuderera kwekutenderedza 20%, asi netarisiro yakanaka kwazvo yepakati nepakati. Imwe yemaitiro, saka, ndeyekudyara mune mamwe emabhangi akanyorwa pamusika wemasheya uye vanotora mukana wemitengo yavo yakaderera. Bankia, Santander, BBVA kana Sabadell inogona kunge iri zvimwe zvezvisungo zvako zvekuita kuti Kisimusi Gordo yakamirirwa kwenguva refu ibatsire.
Zvinogona kusvika 30%
Vamwe vanoongorora zvemusika wezvemari vanofungidzira kuti masheya mune ino yakakosha chikamu anoderedzwa mumitengo yavo yemusika. pakati pe20% ne30%. Netemu yekugara zvachose, makore mashoma. Nekuti ivo parizvino vanopa mitengo yakachinjika chaizvo kune yavo bhizinesi chokwadi uye izvo zviri nekuda kwematambudziko mazhinji akave nechikamu chakava mugore rino chasara nemaawa mashoma kuti chipfuure kune hupenyu huri nani. Haisi nzvimbo ine njodzi nekuti mutengo wemugove uri kukwikwidza panguva ino. Pasi pechiyero chako chaicho.
Kune rimwe divi, haugone kukanganwa kuti mabhanga eSpain anopa a mugove iyo inonakidza kwazvo, iine avhareji purofiti iyo iri pakati pe5% uye 6%. Iyi mubhadharo wakatarwa uye unovimbiswa gore rega rega, zvisinei kuti chii chinoitika mumisika yemari. Saka kuti nenzira iyi, iwe unogona kugadzira mari yekudyara mune yakatarwa mari mukati meiyo kusiana. Kunze kwekumwe kufunga kwehunyanzvi uye pamwe zvakare kubva pakuona kwezvakakosha. Iyo inzira inoshanda kwazvo yekusimudza muyero weakaundi yako yekutarisa mushure meGordo de Navidad.
Bhadhara kubva muhomwe yakavhenganiswa
Zvichipa shanduko inotyisa yemisika yemari, yechipiri nzira yekudyara yauinayo ndeye kusiyanisa mari inowanikwa kuburikidza nerombo rerufu urwu. Uye ndeipi nzira iri nani pane kubudikidza nehomwe yekudyara iyo yakavhenganiswa uye nekudaro yakavakirwa zvese zviri zviviri zvakagadziriswa uye zvinoshanduka mari. Saka kuti nenzira iyi, iwe uri mune iri nani chimiro chekuchengetedza ako kuhwina kubva kumutambo. Kune rimwe divi, iwe une mari zhinji yekudyara yeaya maficha uye iwe uchafanirwa chete kusarudza imwe inokodzera chimiro chako semudyari mudiki nepakati.
Nekudaro, iyi imwe nzira yekudyara haina kuitirwa kwenguva pfupi. Kana zvisiri, pane kudaro, uchafanira kunongedza iwe kune dzakareba nguva. Kana zvese zvikagadziriswa nemazvo, zvinogona kunge zviri munharaunda yemakore mashanu kana matanhatu iwe unogona kuwana kudzoka pakati pe5% ne10%. Kwete zvakaipa zvachose pamari yawanga usina kubva pakutanga. Uye zvakare, pasina kuiisa kune imwe yemari nhumbi inogona kuunza njodzi dzakawanda munzvimbo dzakashama kubva kuzororo reKisimusi iri.
Mvumo yekuchimbidza purofiti
Iko kunogara kuine sosi, kana iwe uri mushambadzi akajeka, kushandisa mvumo kusvika kunyangwe zvakapetwa huwandu iyo iwe yawakawana kuburikidza neiyo yakareba yakamirirwa Fat Christmas. Mune ino kesi, kuvhura zvinzvimbo mune kukosha kweSpanish equities yakasara kumashure kumashure mu2018 uye iyo ine rupo kwazvo kumusoro kumusoro kugona. Mupfungwa iyi, kune ekuchengetedzeka nekudzikira kwegore rose padyo ne30% uye izvo zvinogona kutengwa kuburikidza neiyi yakasarudzika mhando yekudyara.
Usakanganwa kuti ichi chigadzirwa chemari icho chiri chibvumirano izita rekambani rakafanana chaizvo ne Sarudzo yekutenga. Inopa mutengi kodzero, asi kwete chisungo, kutenga zvakajairika masheya zvakananga kubva kukambani pamutengo wakatarwa kwenguva yakatarwa. Nekudaro, hazvigone kurambwa kuti mvumo iboka rezvigadzirwa zvemari zvine njodzi yakawanda mukushanda. Iko kwaunogona kuwana mari yakawanda, asi nekuda kwechikonzero chimwe chete ichi, siya akawanda maeuro munzira kubva ikozvino. Pasina kuve chigadzirwa chine chepfu, hazvo haina kuitirwa kune vese vanoita mari.
Mune imba yekuchengetera: yakachengeteka uye yakavimbiswa
Imwe yesarudzo dzakachengetedzeka dzauinadzo parizvino inogadzirwa neyakagadziriswa-nguva bhangi dhipoziti. Ivo vakavandudza purofiti yavo mumwedzi ichangopfuura uye vari kutanga kuve vanonakidza kuwana imwe mari gore rega kana zvirinani mukati memakore ayo kwavo kusingaperi kunoda. Kubva pane ino yakajairika mamiriro, kune kumwe kukwidziridzwa uko kunopa iko kwegore uye kwakavimbiswa kudzoka padhuze ne2%. Ehezve, inogona kuve iri zano rakanakisa rekusimbisa iyo mari inogadzirwa muGordo de Navidad.
Chero zvazvingaitika, aya mabhengi madhipatimendi ane nguva dzekugara dzinofamba pasi penzvimbo dzinobva 12 uye kusvika pamwedzi makumi matatu nematanhatu. Nguva iyo vanoisa mari vanofanirwa kuve nemipiro yavo yezvehupfumi isingachinjiki, ichive chimwe chezvinhu zvisina kunaka zveiyi sarudzo inochengetedza yekudyara mubairo we rotari. Kunyangwe paine mukana wekuti icho chigadzirwa chakasununguka zvachose kumakomisheni uye zvimwe zvinoshandiswa mukutarisira nekuchengetedza. Nesevha yakakwana maererano nezvi concento inoenderana nemari.
Sirivheri senge imwe nzira
Kune rimwe divi, iyi simbi yakakosha isarudzo inobatsira kwazvo kana kusagadzikana kuchipinda mumisika yemari. Iine mukana chaiwo wekuita mubairo weiyi raffle inobatsira pamamirinenzi anopfuura 30% uye munguva isiri yakareba zvakanyanya. Hazvishamise kuti sirivheri inoonekwa seimwe yenzvimbo dzakachengeteka dzehunhu uye izvo parizvino zvinochengetedza mukana wekudzokororazve wepamusoro unogona kuwanikwa mune chero hupfumi hwemari.
Mushure mekuita rombo rakanaka neiyo jackpot inogona kunge iri nguva yekutora njodzi uye hapana zvirinani kupfuura ino simbi kuzadzisa zvinangwa zvaunoda kubva zvino zvichienda mberi. Kwete zvisina maturo, kwemwedzi yakati yakachengetwa mushe mushe kukwidza Izvo zvinokukoka iwe kuti uzarure zvinzvimbo usingafungire zvakanyanya njodzi mukushanda. Kunze kwekumwe kufunga kwehunyanzvi kunozoongororwa mune zvimwe zvinyorwa pane iyi sarudzo mumisika yemari.
Munguva dzino chaidzo, pane zvimwe zvaunofanira kuwana pane kurasikirwa, kunyangwe hazvo iri mari yakaoma kunzwisisa kutora chinzvimbo. Nekudaro, runyararo rwekuve nemari yausina iwe ichakubatsira iwe kutanga zvigaro mumusika wezvemari wakakosha seizvo chaizvo izvi. Nerombo rakanaka, zvinhu zvako zvichawedzera mumwedzi mishoma. Kunze kwekumwe kufunga kwehunyanzvi kunozoongororwa mune zvimwe zvinyorwa pane iyi sarudzo mumisika yemari.