Yakagadziriswa mari yemari inowanikwa mumwedzi yakanaka net kunyoreswa kupfuura 270 mamirioni eunzizi, dzese dzakanangana neyakareba-yakatarwa mari, maererano neazvino dhata yakapihwa neAssociation of Collective Investment Institutions uye Pension Funds (Inverco). Iko zvinove pachena kuti mu2019 seyakazara, yakamisirwa mari yemari yatove inounganidza angangoita zviuru mazana maviri nemazana mashanu emamiriyoni emamiriyoni ekupinda.
Ndichiri kune rimwe divi, mari dzepasi rose dzekuenzana akachinja maitiro emwedzi ichangopfuura uye vakasangana nekuyerera kwakanaka, vakabatsirwa nehunhu hwemisika. Nekudaro, kunyangwe paine kudzoka kwakanaka, ivo vanoona kudzoserwa kwemambure anodarika 1.800 mamirioni euros yegore rese. Pane kupokana, iyo mhedzisiro yekudzosera mari uye avo vane passive manejimendi vakachengetedza kubhadharwa kwehafu yekutanga yegore, kuunganidza angangoita 2.100 mamirioni euros ekubhadhara iyo yekutanga uye 605 yechipiri.
Muchirevo chakajairika, uko mari yekudyara, inotsigirwa nekuita kwakanaka kwemusika mumwedzi, zvakasangana kukura munaJune kwemamiriyoni e3.711 emamiriyoni uye, nedhipatimendi dhata, vakavhara hafu yekutanga yegore nekuwedzera kwe10.688 mamirioni euros muvhoriyamu yavo yemidziyo, kumira pa268.203 mamirioni euros, iri 4,2% kupfuura kupfuura pakupera kwa2018. Nenharo kuti zvirinani kusarudza mari yekudyara zvichibva papotifoliyo yemari kana kana pachinzvimbo kusarudza mari yakatarwa.
Mari yakawanda kupfuura yakatarwa
Parizvino, mari yekudyara yakabatanidzwa muzvikwereti inopa akateedzana mabhenefiti ayo anogona kunge achifarira kuhaya kubva zvino zvichienda mberi. Imwe yeakanyanya kukosha inotorwa kubva kuchokwadi chekuti purofiti yayo inogona kuve yakakwira kupfuura pamari yakatarwa. Zvakare, panguva ino kusvika tora mukwikwidzi wemari yekuwedzera yemakwikwi zvakafanira kuisa panjodzi mukuita sarudzo. Uye neiyi pfungwa, iyo nzira yekusarudza iri mune ino pfungwa mune iyo misika yepasi rose misika yakasimudza zvine mutsigo mushe.
Umwe mupiro wemari dzekudyara dzakabatanidzwa muzvikwereti zvinobva mukuti zvinhu zvemari zviri kufarira misika ine hunhu uhu. Zvese kudivi uye imwe yeAtlantic. Nerubatsiro rwekuti vanogona kuve nesarudzo dzinoverengeka dzavanosarudza kubva uye pasi pemafomati akasiyana mumisika yemari. Kune rimwe divi, kune njodzi yekuti a bubble mune yeruzhinji chikwereti iyo inogona kukanganisa yakatarwa mari yekudyara mari neimwe mhirizhonga.
Maitiro ekuzvidzivirira mune zviyero
Chero zvazvingaitika, iwe une akati wandei nzira dzekudyara kuchengetedza capital yako kubva kunogoneka kusagadzikana maitiro mumisika yemari. Imwe yeaya masisitimu ari kusanganisa equity nedzimwe mari dzemari. Semuyenzaniso, izvo zvichibva pazvinhu zvakagadzirwa, mari kana kunyange mamwe mamodheru. Iyi manejimendi inogona kukubatsira iwe kuve nekurasikirwa mune zvakanyanya kusarongeka zviitiko zvekufarira kweavo vadiki nepakati varimi. Mupfungwa iyi, kune mari dzekudyara dzinosangana nehunhu hwakakosha.
Imwe yemaitiro aunogona kushandisa kubva zvino zvichienda mberi ndeaya akavakirwa pa sarudza inoshanda manejimendi. Izvi zvinorevei chaizvo? Zvakanaka, chimwe chinhu chakareruka sekugadzirisa mari yako yekudyara mari kune ese mamiriro ezvinhu, kunyangwe zvakashata zvakanyanya kune zvaunofarira semushambadziri investor. Kugadzirisa yako portfolio neimwe frequency kuitira kuti iwe ugone kuita iyo kuchengetedza kunobatsira. Iwe uchaona kuti iko kuita kuri kuita zvirinani kana iwe ukatevera zano iri mukutungamira kwemari yekudyara. Kune izvi une zvakawanda zveizvi zvigadzirwa zvemari zvinopa ichi chakakosha chimiro. Pasina kukanganisa makomisheni anoshandiswa nemari idzi dzemakomisheni.
Matambudziko eEquity
Kune rimwe divi, isu hatigone kukanganwa zvimwe zvekukanganisa kunosarudzira iyi modhi mukudyara inogadzira. Imwe yeakanyanya kukosha ndeyekuti a kupunzika mumisika yepasi rese yemasheya, nekudzikira kuri pamusoro pe20% kana 30%. Kusvika padanho rekuti iwe waizosiya akawanda euros munzira uye mune pfupi pfupi nzvimbo yenguva. Imwe njodzi yekushandisa sisitimu iyi mukusarudzwa kwemari yemari ndeyekuti kugadziriswa kunogona kugadzirwa mumwedzi iri kuuya, kana kuti zvirinani, kucheka kwakakosha mukuchinja kwemitengo yavo.
Kusvika padanho rekuti isu tinogona kuona mitengo yakadzikira zvakanyanya kupfuura iyo yakanokorwa panguva ino chaiyo. Nekuwa mukati memisika yemari pakati pe10% ne20%, izvo zvingave zvakati wandei kana zvishoma muzana muzana yemari iyo yataizosiya mukushanda mumusika wemasheya kuburikidza nemari yekudyara yeaya maitiro. Imwe njodzi yatinotarisana nayo ndeyekuti siringi rakagadzirwa mune indices dzepasi rese izvo zvichanetsa kukunda mumakore anotevera.
Iko musika wekutengesa unobatsira zvakanyanya
Chero zvazvingaitika, zvinofanirwa kutariswa kuti kudyara mumusika wemasheya kazhinji inobatsira zvakanyanya kunguva yepakati nepakati. Iko kunowanzo kukoshesa pamusoro pezvigadzirwa zvinotorwa kubva pamari yakatarwa kana inoitwa nemabhangi pachawo. Panguva iyo iyo dhinomineta iri mutengo unodhura wemari.
Ichi chinhu chakakosha kwazvo icho pasina mubvunzo chinokubatsira iwe kuvandudza mumisika yemari. Nekuti zvinoreva kuti pane mari yakawanda yekuita purofiti mumusika wemasheya uye izvi zvinobatsira mashandiro mune izvi zvemari zvinhu. Kunyangwe ichi chiri chiitiko icho chinogona zvirokwazvo kuperera muchikamu chekutanga chegore rinouya. Uye izvo saka, zvaizoonekwa mumugove mutengo. Imwe njodzi yatinotarisana nayo ndeyekuti siringi rakagadzirwa mune indices dzepasi rese izvo zvichanetsa kukunda mumakore anotevera.