Kuwedzera kufarira mune mari: ndezvipi zvikonzero?

Investment funds

Imwe yezvigadzirwa nyeredzi zvegore rapfuura 2017 yanga iri mari yekudyara. Chero chero hunhu, kubva kune iyo yakavakirwa pane yakatarwa mari kune kusiana Pasina kukanganwa mamwe acho kana ayo akasanganiswa. Kune zvikonzero zvakawanda zvekutsanangura idzi hutsika hutsva hwevadiki nepakati-saizi veSpain investa Kubudikidza nechinyorwa chino, iwe unenge uine makiyi anodikanwa ekuti unzwisise shanduko iyi muitiro mune mari nyika.

Kana paine tsananguro yekutanga yechinhu ichi mukudyara, imhaka yekushomeka kwekuita muzvigadzirwa zvikuru zvebhangi zvakagadzirirwa kuchengetedza. Pakati pavo, nguva yekuisa, maakaundi ane goho repamusoro, mapepa ekuvimbisa kana chikwereti cheveruzhinji chemhando dzakasiyana. Nekudzoka pane kusevha kusingapfuure 1% mazinga. Kunyangwe zvakanyanya kushoma mune mamwe acho. Semhinduro kune zvinoitwa ne mutengo wakachipa wemari. Yakasimudzirwa neEuropean Central Bank (ECB). Uye izvo zvave kuzviisa pa0%.

Chikamu chakanaka cheguta guru remhando idzi dzekuchengetera chakaendeswa kune rakapfuura gore kuenda kumari yekudyara. Kuburikidza nekufamba kwakasimba kwazvo kwakatungamira ku matsva matsva ekudyara. Zvese zvinoita sekunge mukati megore idzva iri ratatanga, zvicharamba zvichiteera zvakafanana maitiro. Kunyangwe kusimbisa mumari dzekudyara dzakabatana nemisika mikuru yemasheya. Kwete nyika chete, asi kubva kune dzimwe nzvimbo kutenderera pasirese.

Kuunganidzwa kwemari muna Zvita

kuunganidza

Imwe yedata yekupedzisira iyo 2016 isina kusiya ndeyekuti mwedzi waZvita wave yechipiri yakanakisa gore reiyo mutual fund indasitiri, maererano nedhata rakapihwa neImantia Capital. Kunyanya, yakawedzera pasina pasi pe4.360 mamirioni euros. Iyi nhamba inoratidza kufarira kunofambira mberi kune chikamu chemaprofiles evose vanoita mari. Kubva kune vane hasha pamusika, kune vane mwero. Semhedzisiro yemari zhinji yekudyara inowanikwa panguva ino.

Iko kukura mune ichi chigadzirwa chemari mumwedzi ichangopfuura kunoonekwa. Nenzira iyi, chikamu chakavhara gore remari ra2016 nemari inokwana kukura yemamirioni e14.210. Mukuita zvinoreva kuti mukati megore rino yakawedzera ne50%, zvichienzaniswa negore rapfuura. Mune izvo zvakagadziriswa senge yechina inotevera inoteedzana kuwedzera kwemari inowanikwa kune chero cheizvi zvigadzirwa zvemari. Kupa akanakisa margins mumakore apfuura.

Nezve izvo zvibvumirano zvikamu, pane nhau maererano nekugoverwa kwemari. Hazvishamisi kuti, maererano neichi sosi, inoratidza kuti mari inodiwa kwazvo panguva ino ndeyemari pfupi-yakagadziriswa mari uye purofiti nechinangwa. Inozivikanwa muminda yemari sekutenga & kubata. Ipo La Caixa ichidzokorora sechinhu chakabata mari hombe muna 2016. Neinenge 18,5% yemugove wemusika. Tevere, Banco Santander uye BBVA, iine 15,3% uye 13,6%, zvichiteerana.

Zvinonzwisisika, chimwe chezvikonzero nei ichi chakasimba chinongedzera kutsanangura ichi chisingarambike kufarira mune mari yekudyara imhaka yemhedzisiro yesarudzo muUnited States. Nekuuya kwaDonald Trump kuhutungamiriri hweimwe yehupfumi hwakasimba pasirese. Izvo zvakare zvinoratidza kuti iwo madhiri ane akanakisa mashandiro ave izvo zvakabatanidzwa kumusika wemasheya uye zvakavhenganiswa equity mari. Mupfungwa yakapesana, vashoma vanofarira vashoma nepakati varimari vanga vari real estate nemari.

Nei ichi kufarira mari?

Pane zvikonzero zvakawanda zvekutsanangura kuchinjiswa uku muhupfumi hwevazhinji vanoponesa vakavimba nechigadzirwa ichi chakasarudzika. Imwe yeanonyanya kuzivikanwa, pasina mubvunzo, ndiyo mikana yakawanda yekusarudza iyo modhi yaunoda zvakanyanya. Kana zvirinani izvo zvinokodzera zvese chimiro chako sevatengesi vevatengesi. Nedzimwe nzira dzisingaperi. Anenge akawandisa sezvinhu zvemari zviripo mumisika yemari. Iwe unogona kuisa mari mune angangoita wese munhu, uine mashoma mashoma mukuenda kwemari yako.

Imwe yemipiro yayo mikuru iri muchokwadi chekuti inogadzira kusiyanisa kukuru uye kwakazara kwekudyara. Kunyanya nekuti ivo havana kutariswa mune imwechete yemari nhumbi. Asi mune akati wandei uye nemhando dzakasiyana. Nekuti mukati meiyo yakafanana chigadzirwa chemari inogona kuunganidza mari yakatarwa ine musiyano. Kunyangwe nezvimwe zvishoma zvakajairika zvimwe zvinoriumba. Sezvazviri mune chaiyo kesi yezvigadzirwa, real estate investa uye kunyangwe nekusagadzikana kwemisika.

Pasina kuve nechero nguva yekuita iyo portfolio yekudyara. Hazvishamisi kuti inokurudzirwa uye inotarisirwa nemapoka emari. Uine bhenefiti yekuwedzera iyo iwe yaunogona kunyorera chero homwe yemari iyo inodhura chaizvo kune chero hupfumi hwemhuri. Kubva pamipiro kubva kuma500 euros. Mune zvimwe zviitiko, kunyangwe nemari yakakomberedzwa, senzira yekudzivirira nzvimbo dzaunovhura pane imwe nguva.

Mitemo yekugara

zvachose

Kuparadzaniswa kukuru kunopa iyo nguva yaunofanirwa kuchengetedza yako mari yekudyara yakavhurika. Ivo nyanzvi mune ichi chigadzirwa vanonongedza kuti iwo anonyanya kukurudzirwa mazwi ari epakati uye akareba. Iine avhareji inofungidzirwa pakati pemakore matatu ne mashanu. Ndeipi nguva iyo iwe yaunogona kutora zvakanaka mabhenefiti ako. Mupfungwa iyi, vanozvibata zvakanyanya sechigadzirwa chekuchengetedza pane kudyara. Chero zvazvingaitika, kushanda kwayo kwenguva pfupi kwazvo kunogumira nekuda kwehunhu hweichi chigadzirwa.

Zvisinei, ivo vanopa mukana wekuti vangave vari inotamisirwa mahara kune dzimwe mari kana mamiriro emusika asiri akanyanya kunaka. Kuedza kudzikamisa kurasikirwa kana kuti kutora mukana mimwe mikana inogutsa yavanokupa kuti uwane mari inochengetedza munzira iri nani. Muchidimbu, inokupa iwe zvakawanda zvakasiyana izvo zvimwe zvigadzirwa zvemari zvisingakwanise kukupa iwe nekuda kweiyo chaiyo michini yekugadzira kwavo.

Imwe mamiriro ezvinhu aunogona kutora mukana kubva zvino zvichienda mberi ndeyekuti iwe unogona kusarudza nzvimbo yenzvimbo kwaungaisa mari yako. Nyaradzo kubva kuchigadzirwa chimwe chete uye kurongedza mashandiro kubva kumba kwako munzvimbo dzekuzorora. Nekuda kweizvozvo, imwe yemipiro yavo ndeyekuti ivo vanogona kuitiswa zviri pamutemo online. Panguva ipi neipi yezuva uye kushanda kubva kubhangi rako raunogara. Pasina zvipingaidzo zvakawanda kuti iwe ugone kuzadzikisa zvido zvekuzvinyorera.

Kuburikidza neindekisi mari

Sarudzo ye chaizvo inoteedzera maitiro eiyo stock index. Nemasimba akafanana uye kusiyana nemamwe mamodheru ekudyara ari padyo padyo nemitengo iyi. Kunyangwe iko kupi kunopihwa kwauri kwakanyanya kushoma. Nezvirevo zvidiki zvinoita kuti sarudzo iome zvakanyanya. Chero zvazvingaitika, iri imwe nzira yaunofanirwa kuisa mari yako pasi pemafomati ano azvino uno. Uye izvo zvakafanana chaizvo neicho chakananga kudyara mumusika wemasheya.

Ehezve, imwe sarudzo yaunofanirwa kuisa mari yako yekuchengetedza mukati megore rino ichangotanga. Kuburikidza nezano rakafanana zvakanyanya sekunge iwe wanga uchiisa mari yako mumusika wemasheya zvakananga. Kunyangwe uine musiyano wakakura. Haisi imwe iyo iwe yausingatarise pane imwechete kukosha, asi pane a tswanda yemasheya eiyo yakazara stock index. Chero chaunosarudza. Mupfungwa iyi, fanano yayo nemari yekudyara yakakura kwazvo.

Zvakanakira kuisa mari muhomwe

investments

Hapana mubvunzo kuti mari dzekudyidzana dzine zvazvakanakira nekuipira. Pakutanga, iwe unowana zvimwe zvacho zvinogona kubatsira zvakanyanya muhomwe yako yega. Iwe unofanirwa kuvaisa mupfungwa kana gore rino uchizosarudza ichi chakakosha chemari chigadzirwa. Kwete pasina, pachave nemipiro mizhinji inozokugadzira kubva panguva dzino. Uye pakati payo atinofumura pazasi anoonekera.

  • Ivo kazhinji chigadzirwa zviri nyore kunzwisisa. Izvo hazvina kuomarara zvachose kana zvichienzaniswa nedzimwe mhando dzekudyara. Izvo zvaunogona kuvhura zvinzvimbo mavari pasina zvakanyanya kuomarara.
  • Une zvakasiyana siyana zvirevo. Zvese muzvikamu uye mari yakatarwa. Kunyangwe dzimwe nzira dzepakutanga dzaungawana izvozvi. Iwe hauzove nematambudziko kusangana neyako mari yekutsvaga
  • Kubata kwako kwakanyanya sezvo iwe uchikwanisa kupinda uye kusiya misika nekukurumidza sekuda kwako. Pasina parinogumira mumafambiro aunotora mune chero kirasi yemari yekudyara. Kunyangwe iwe uchafanirwa kumirira inopfuura zuva rekugadziriswa kwayo.
  • Izvo zvakagadzirirwa marudzi ese evashambadziri. Kubva pane vane hasha zvakanyanya kune avo vane chimiro chinochengetedza. Ivo havatorere chero munhu kubva pazvinzvimbo zvavo. Kunyangwe nemitengo inodhura kwazvo kumhuri dzese.
  • Kunyange zvakadaro, kushanda kwayo kwepamusoro iwe unogona wana mukati nepakati kana kwenguva refu yekugara. Ndokunge, kubva pamakore maviri kana matatu angangoita. Hazvina kumboitika munguva pfupi kwazvo
  • Chero bhangi raunoshanda naro uchava nechigadzirwa chine hunhu uhu. Kuburikidza nechipo umo mari dzese dzisina kuisirwa. Asi chete avo vakasarudzwa nesangano pacharo.
  • Unogona kuvanyorera mune dzimwe mari kana ichi chiri chako chishuwo, kunyange zvakadaro uchave nemakomisheni anorema. Iwe unogona zvakare kusarudza kukomberedza iyo mari, mune ino kesi euro, senge zano rekuchengetedza yako mari zvakanyanya.

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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako