Maitiro ekusarudza mari yekudyara

sarudza

Zvizhinji zvezvikamu zvekudyara zvakatumira mambure kubuda munaNovember. Kurongwa uku kunotungamirwa neMixed Funds, iyo yakawana kudzoserwa kwemambure munguva inosvika mamirioni makumi mashanu nemakumi masere, zvachose nekuda kweMusanganiswa Wakagadziriswa Mari. Mune iyo yakaunganidzwa yegore, iyo Yakasanganiswa Funds inopa mamwe net inopinda inokosha 2.162 mamirioni euros

Asi, Mari Yakavimbiswa ivo vakatungamira chinzvimbo cheinet kunyoreswa kwemwedzi waMbudzi nemamiriyoni makumi maviri nemaviri emadhora uye vakaunganidza 252 mamirioni euros mugore. Iyo Euro Variable Income (kusasanganisira Spain) yakanyoreswa kunyoreswa kwemutengo unokwana mamirioni makumi masere emamiriyoni emwedzi, uchiunganidza 266 miriyoni euros yekuyerera kwakanaka mugore, sekureva kwedata rakapihwa neAssociation of Collective Investment Institutions uye Mari dzePension (Inverco).

Mukati meiko kudyara mumidziyo yemari iri chaizvo, mari yekudyara ichaisa mari yavo zvichibva pamatanho akasiyana isu atinofumura pazasi:

  • Urume: zvichave zvekukosha kwakakosha kuti ivo vane hunhu uhwu mune zvinhu zvakaiswa kubudikidza neichi chigadzirwa chemari.
  • Njodzi kusiyanisa: Ichave iri zano rinoshandiswa kudzikisira kusvibiswa kumisika dzakasiyana kana midziyo yemari.
  • Kujeka: Ivo vanofanirwa kuratidzwa kuburikidza nemabrochure akaburitswa nevatungamiriri vemari yekudyara.

Mari yekudyara: makomisheni

commissions

Sezvo chiri chigadzirwa chakagadzirirwa kudyara, zvichave zvakakosha kuti uongorore mutengo wekuhaya iyo. Ari kumiririra makomisheni echigadzirwa ichi uye anozivikanwa nekuve mazhinji uye akasiyana hunhu, kunyangwe ichifanira kujekeswa kuti haishande mune zvese zviitiko. Idzi ndyiko dzinoreva kuburitsa izvo zvinosiyana kubva pa0,50% kusvika pa2% zvingangoita uye izvo zvinoenderana nezvinhu zvakawanda, senge rudzi rwemari yekudyara inobvumidzwa uye mutemo wemaneja. Chero zvazvingaitika, aya ndiwo makomisheni makuru anogona kubhadhariswa ichi chigadzirwa chemari.

  • Management uye dhipoziti mari: ndeavo vanobhadhariswa nemaneja uye anoisa mari, zvichiteerana. Ivo vanozivikanwa nekuti vakatobviswa kubva pakubviswa kukosha kwehomwe. Naizvozvo, iwe hausi kuzoona yavo mari zvakanyanya sekune mamwe makomisheni.
  • Kunyorera uye kudzikinura mari: mune ino kesi, ivo vanogona kuve mukufarira maneja kana homwe pachayo. Kusiyana nemakomisheni apfuura, izvi zviri pachena, kana zvakafanana, vanobhadharirwa kuaccount account yako panguva yekuita kunyoreswa kana kudzoreredzwa. Izvo hazvina kujairika zvekuti iwe unozvishandisa, asi chero zvakadaro ivo vanonyanya kuda kupfuura avo veboka rekutanga. Kusvika kusvika ku2% mune imwe yemari yekudyara.

Kune rimwe divi, kune zvakare mukana wekuti ivo vakubhadharise iwe zvimwe zvemari zve chinja kudyara kubva kune rimwe kamuri kuenda kune rimwe. Ndokunge, mukati mehomwe imwechete, kunyangwe zvikamu zvacho zvisina kunyanya kukosha.

Inoshanda uye yekushambadzira mari manejimendi

Chimwe chinhu chaunofanira kutarisa kana uchihaya chigadzirwa chehunhu ihwohwo mhando ye manejimendi zvinoitwa pairi. Iyo inogona kuve ichishanda kana pane inopesana yekungoita uye mutsauko wayo unonyanya kuve mune manejimendi inoitwa nevanopa vayo. Nemusiyano wakakura kubva pane imwe modhi kuenda kune imwe. Nezve manejimendi anoshanda mune mari yekudyara, chakanyanya kukosha ndechekuti iyo portfolio yemari yemari inogona kuchinjiswa kune chero hupfumi mamiriro, kunyangwe akashata kwazvo kumisika yemari. Ndokunge, iwe unogona kuwana purofiti kubva kune ako mashandiro mune chero mamiriro.

Passive manejimendi mari, kune rimwe divi, inogona kunzi ndeye yakanyanya kumira. Kana izvo zvakafanana, havatambure misiyano zvine chekuita nemitsva mitsva inoonekwa muhupfumi uye kunyanya mumisika yemari. Ose ari emari yakatarwa uye mune musiyano kana kunyange kubva kune mamwe mamodheru. Kana zvese zvikaenda zvinoenderana nezvakatarisirwa zvakasikwa, zviri nani kuhaya mari yekungoita. Iwe unofanirwa kurega iyo purofiti ichimhanya kusvikira maitiro aya apera. Izvo zvakare zvinosiyana zvichienderana neprofile yemudiki uye wepakati investor.

Yakagadziriswa kana inoshanduka mari?

bhegi

Uyu ndiwo mubvunzo wekusingaperi unozvibvunzwa nevanoisa mari pavanogadzira chimwe chezvigadzirwa zvemari izvi. Tichafanirwa kutevedzera maitiro akaiswa nemisika nguva dzese uye hazvingagare zvakafanana. Chero nzira, izvo zvakavakirwa pamari zvinowanzoita purofiti mune portfolio. Kunyangwe nekuda kwezvikonzero zvakafanana kurasikirwa nemari yakawanda muzvinzvimbo zvakagadzirwa. Ndokunge, ivo vanogadzira iyo njodzi huru nekuti zvine mutsindo muzvinhu zvese. Chero zvazvingaitika, zvinoenderana neprofile yevanobata uye kunyangwe iwo magariro euchazomaka mukudyara.

Chero zvazvingaitika, imwe yemabhenefiti echinhu ichi chemari ndechekuti vanobvumidza kusanganisa zvinhu zvemari pasina kusiya chigadzirwa chimwe chete. Iyi sarudzo inoitwa kuburikidza neiya inonzi yakavhenganiswa mari yekudyara. Panogadziriswa, mari inoshanduka, mari yemari uye zvimwe zvinhu zvemari zvemhando ipi neipi zvakasanganiswa. Iyi nzira yekudyara inowana hukuru hwakasiyana mukudyara. Chinhu chisingaitike mune zvimwe zvigadzirwa zvemari, kunyangwe mune dzinotyisa.

Kuongorora kwemari

Kuteerana neInvestment Funds nemirau yose yambotaurwa kunotarisirwa ne National Securities Market Commission (CNMV), , que gamuchira ruzivo rwepamwedzi. CNMV inotarisira Investment Funds, SGIIC uye Depository masangano, ese ari kure (kuburikidza neruzivo rwakatambirwa) uye pa-saiti (kuitisa ongororo kuburikidza nekushanyira kune anotarisirwa masangano).

Pamusoro pezvo, iyo SGIIC uye nzvimbo dzekuchengetera dzinofanira kuita kuti vabatsirike vevatori vechikamu veInvestment Funds, uye kubata mumwe neumwe kuzvidavirira. Uye zvakare, weDepositary anozadzisa mashandiro ekutarisa nekutarisa kwevatungamiriri veSGIIC uye anofanirwa kuzivisa CNMV nezve chero zviitiko zvakawanikwa.

Sarudza imwe mari yekudyara

mari

Iwe haugone chete kunyorera mari idzi dzatataura pamusoro. Asi, pane kudaro, kune zvimwe izvo zvinogona kuve zvinonakidza kwazvo zvichienderana nematanho ehupfumi. Pakati pazvo zvinotevera kumira:

  • Mari yemari. Izvo zvinoenderana nekutenderera kwekuchinja kweakanyanya epasirese. Kubva kudhora kuenda kuNorway krone, kuburikidza neSwitzerland franc. Iyi ndiyo mari isingabatanidze misiyano yakawanda mukukoshesa kwayo, asi hongu haina kuregererwa panjodzi, sezvakaratidzwa mumakore apfuura. Chero zvazvingaitika, ivo vanoshanda semubatsiri kugadzira yakasimba uye dzakasiyana mbiri portfolio yemari yekudyara.
  • Yakavhenganiswa mari. Ndidzo idzo dzakabatanidzwa midziyo yemari yakati wandei, senge zvigadzirwa zvemari uye mari yakatarwa. Mune zviyero zvinogona kusiyana zvichienderana nezinga re njodzi ivo vatengesi pachavo vanoshuvira kutarisana navo. Icho chigadzirwa chakanakisa chekudzora njodzi uye kuvapo mumisika inokodzera yemari. Nemafomati emarudzi ese uye zvisikwa. Mune yakajeka emergency mune chinodikanwa chevashandisi vemari nekuda kwekureruka kwemamodeli avo ekubvumirana.
  • Imwe mari mari. Iwo mamwe mafomati asingazivikanwe nevashambadzi vadiki nepakati uye mune mamwe marudzi emari akabatanidzwa. Imwe yadzo yakavakirwa pane zvakasvibirira uye izvo zvinogona kuve neakakwirira ekudzokorora mikana kupfuura mune imwe mari yekudyara.

Muzviitiko zvese, aya mamodheru ekudyara akavhurika kumatunhu ese epasi, kusanganisira misika yemari isinganzwisisike. Iko hakuna miganho munzvimbo yayo uye ichi ndicho chimwe chezvakanaka izvo mari yekudyara ine pamusoro pezvimwe zvigadzirwa zvemari. Yakagadzirwa nemhando dzakasiyana dzemakambani manejimendi ayo anotengesa zvigadzirwa izvi kumasangano emari eSpanish. Nemamiriro akasiyana mukuhaya uye zvakare mumakomisheni uye zvimwe zvinoshandiswa mukutarisira kana kugadzirisa.

Nzira yekuziva sei yakanyanya kukodzera mari yeiyo nhoroondo yangu?

Tichifunga nezvese zvatareva pamusoro, iyo dzakasiyana yemari yekudyara yakakura kwazvo kukwanisa kuenderana nemhando dzese dzema profiles. Zvichienderana nezera rangu, mari yandawana, kugona kwangu kuchengetedza uye nenjodzi yandinoda kugamuchira, imwe mari kana zvimwe zvinokodzera chimiro changu chemushambadzi. Kuti tikwanise kuzvitenderedza nenzira iyoyo, imwe nzira yakanaka ndeye ita bvunzo yekukodzera senge iyo inopihwa naFininbest nekudzvanya apa. Nzira yekuishandisa iri nyore kwazvo, unongofanira kupindura zvishoma nezvishoma mibvunzo yese (zera rako, mari yekudyara, mari, kuchengetedza, njodzi inogamuchirwa, nezvimwewo) kuitira kuti chikuva chikwanise gadzira chirongwa chekudyara mari chakakodzera mushandisi wega wega nezvikamu zvekudyara muzvikamu zvidiki, US equities, Europe equities, equities munyika dzichiri kusimukira, mari yakatarwa. Sezvauri kuona, zviri nyore kwazvo uye zvinongokutorera iwe maminetsi mashoma kuti uipedze.


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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