Hapana mubvunzo kuti chirevo chemusoro uyu ndechimwe chezvinangwa zvechikamu chakanaka chevashambadzi vadiki nepakati. Panguva iyo iyo yakasarudzika yemiti yemiti zvigadzirwa zvisingatombo pfuure 1% mukudzoka kwavanopa kusevha. Semhedzisiro yemutengo unodhura wemari ne European Central Bank (BCE) uye izvo zvakaitwa kubva makore ekutanga emakore gumi aya. Kusvika padanho rekuti kufarira kuri pamatanho akadzika kwazvo mumakore apfuura uye mune chero mamiriro ezvinhu munhoroondo dzakaderera.
Nepo kune rumwe rutivi, misika yemakambani haisi kuenda kuburikidza nekunakisisa kwenguva yavo. Takatarisana nekusava nechokwadi mune zvinoitika zvemisika yemari uye izvo zvakatungamira kune yakasarudzika indekisi yeSpanish stock market, iyo Ibex 35, 13 yakadzikiswa gore rapera. Nemakona akafanana asina kunaka seayo mune mamwe epasi rese misika yemasheya. Nekutya kuri pachena kune chikamu chevashambadziri kuti vangangorasikirwa nechikamu chemari yakaiswa mune iyi mhando yekushanda.
Takatarisana nemamiriro ezvinhu akajairika, chimwe chezvinangwa zvemumwe muzvinabhizimusi mudiki nepakati anogara muchokwadi chekusimbisa a yakatarwa uye yakavimbiswa kuita makore ose. Icho hachisi zano rakareruka rekushandisa, asi isu tichafambisa basa iri kuburikidza nhevedzano yezvigadzirwa zvinosangana nechinodiwa ichi. Ndokunge, tora kanokwana 3% yesavo yako kuti uende kune yako yekutarisa account. Chero chii chinoitika mumisika yemari uye kunyangwe iwo akasarudzika. Ichave imwe yedzimwe sarudzo dzaunogona kushandisa kubva ikozvino zvichienda mberi.
Kuchengetedza kunoenderana nemitengo
Usati wakuratidza nhevedzano yemazano ekuti uite chirongwa chakasarudzika chekudyara, zvichave zvakakosha kuti iwe uzive kuti chiito ichi chakanyatsoenderana nekukwira kwemutengo muhupenyu. Mupfungwa iyi, iyo yegore kusiana mwero weiyo CPI mumwedzi waNdira zviri 1,0%, zviviri zvegumi zvakaderera pane izvo zvakanyoreswa mwedzi wapfuura, zvinoenderana nedhata rakapihwa neNational Institute of Statistics (INE). Iko kunoratidzwa kuti mwero wegore wepakati wekukwira kwemitengo unoderera chegumi, kusvika pa0,8%.
Nepo pane izvo zvinopesana, musiyano wemwedzi wega weiyo indekisi yakawanda munguva ino yakaongororwa ndeye -1,3%. Kune rimwe divi, iyo Yakabvumirana Consumer Mutengo Index (IPCA) inoisa mwero wayo wepagore pa1,0%, iri pasi pegumi zviviri zvichienzaniswa naZvita wegore rapfuura. Nedatha idzi, zvinogona kutaurwa kuti inflation muSpain yakadzora kana kushomeka, inofanirwa kutariswa kuronga chirongwa chekudyara icho chatiri kuzokumbira kubva ikozvino. Nechinangwa chikuru chekuti simba rako rekutenga rinoramba rakamira pamwe nekudzoka kwaunowana kuburikidza neizvi zvigadzirwa zvemari zvatichazofunga.
Zvikwereti pamusoro pe3%
Iyi ndiyo ichave iri nyore nzira yekuzadzisa iri rakakosha zano. Iwe zvakare une mukana wakakura wekuti iwe hauzove nematambudziko makuru kuzadzisa ichi chinodiwa chinangwa. Hazvishamise kuti mazhinji emakambani akanyorwa anogovera zvikamu pakati pevachagovana kupfuura aya marimendi ekumisidzana. Mune zvimwe zviitiko iri padyo padyo neiyo nhanho dzinoiswa pa10%. Sezvazviri mune chaiyo kesi yeiri maviri materevhizheni chiteshi, Atresmedia neMediaset. Mubhadharo wauchazowana zvisinei nezvinoitika mumisika yemari.
Kunyangwe pane zvinopesana, izvi zvikwereti zvinokubatsira iwe kugadzira hombodo yekuchengetedza yakagadzikana kwemakore mashoma anotevera. Nebasa rakakwirira kwazvo kupfuura iro rinopihwa nezvigadzirwa zvemabhangi zvikuru. Pakati pazvo zvimire yakatarwa-term dhipoziti, makambani ekuvimbisa emakambani kana maakaundi anobhadhara zvakanyanya. Muzviitiko zvese, ivo kashoma kukupa iwe chimwe chinhu chinopfuura 1% panguva idzi chaidzo nekuda kwezvikonzero zvakambotaurwa muchinyorwa chino. Ichi ndicho chikonzero chiri pamusoro pechiri pachena chekusarudza zvikwereti semurau wekuwedzera zvinhu zvako pachako kana zvemhuri, zvinova, shure kwezvose, ndezvei izvi.
Mari dzinovimbiswa
Ichi chigadzirwa chemari chinogona kukupa iwe pakati pe3% ne5% mukudzosera pane mari dzakachengetwa kuburikidza nemhando iyi yekuchengetedza. Yakavimbiswa mari yekudyara iri, sekuratidzwa kwezita ravo, izvo zvinovimbisa, zvakakwana kana muchidimbu, iyo capital yakaiswa mari, pamwe nehuremu hwepakati hwekudzoka hwakagadzwa kwenguva yakati. Asi kwete nemakaro ane rupo kupfuura ayo akataurwa pa5%. Zvakare pasina njodzi yemari yako nekuda kweakasarudzika hunhu hweichi chakakosha chigadzirwa chakagadzirirwa kudyara.
Kune rimwe divi, kana iwe ukasarudza iyi nzira yekudyara, iwe unofanirwa kuve wakangwarira kwazvo muhomwe yekudyara yaunosarudza kubva panguva dzino chaidzo. Nechikonzero chakakosha kwazvo, uye izvo ndezvekuti kune anovimbiswa mari iyo kunyangwe 1,50% maererano nechimbadzo chinoenda kuaccount account yako. Naizvozvo, iwe unenge usina imwe sarudzo asi kuve unosarudza kupfuura nakare kirasi ino yezvigadzirwa zvemari. Nekuti iwe haugone kukanganwa kuti kwavo kupihwa kwakadzikira zvakanyanya mumakore achangopfuura nekuda kweicho chaicho mamiriro emisika yemari, ese ari maviri akabatana neyakaenzana uye mari yakatarwa.
Kukurudzira kunoisa pa5%
Kunyangwe ichiita sechisingadaviriki kwauri panguva ino unogona kunyorera a mutero webhangi yezvinhu izvi. Asi pasi pezvakakosha chaizvo uye kuti iwe unofanirwa kuteerera kubva ikozvino. Nekuti zvirizvo, iri kirasi yenguva inoiswa zvinoenderana nemari yakatarwa yemubhadharo kana yakajairwa mari muchiitiko chevashandi vanozvishandira kuburikidza nenhoroondo yerudzi urwu mubhangi iyo inoshambadzira ichi chakasarudzika chigadzirwa. Mune akanakisa ezvemari zvikumbiro vanouya kuzokupa iwe kusvika ku5%. Kuburikidza nemari yakatarwa uye yakavimbiswa gore rega rega.
Asi haisi yegoridhe rese inopenya ne5% yekushambadzira madipoziti. Nekuti ivo vanongonyorera kwenguva shoma kwazvo yenguva, dzakakomberedza 3 kana 6 mwedzi. Uye kwechikamu mune iyo mari zvakare yakatemerwa zvakanyanya. Nekuti hauzokwanise kubhadhara mari yakawanda, asi zvinopesana, ivo vanongosvika inosvika zviuru gumi kana gumi nemashanu emamiriyoni pamubati uye dhipoziti. Asi zvirinani zvinokubatsira iwe kukunda isina kusimba yemahara chiyero mamaraini iwe aunogona kuwana panguva ino.
Equity mari yekudyara
Imwe yedzimwe sarudzo dzauinadzo panguva ino kudarika 3% pagore ndeyekudyara mari equity-based iyo inogovera zvikamu pakati pevabati vayo. Kubudikidza neiyi imwe zano iwe unokwanisa kusvika kusvika ku6% gore rega. Pasina kuisa njodzi pazvinzvimbo zvako uye nekudaro unogona zvakare kugadzira bhegi rekuchengetedza rakatsiga kubva ikozvino. Beyond kumwe kufunga kwehunyanzvi mune ichi chemari chigadzirwa. Usakanganwa nekuti iri zano rekudyara rinogona kubatsira zvakanyanya pane imwe nguva muhupenyu hwako sediki uye wepakati investor.
Kune rimwe divi, haugone kukanganwa izvozvo kubvira gore 2016 Masheya emasheya uye zvikwereti zvemari zvine mutero mumwe chete. Saka inogona kuve chiitiko chinobatsira kwazvo pane zvaunofarira kubva pane ese maonero. Sezvo iri shure kwezvose chimwe chinhu icho varimi vadiki nevapakati varimimari vanogara vachitsvaga. Ndokunge, ivo vane zvimwe zvakanakira kuburikidza nechavo chinoenderana kurapwa mutero. Ndeipi zvakare nzira yekuita yako pachako kuchengetedza kunobatsira. Uye kuti nenzira iyi inogona kukupa unopfuura mufaro mumwe kubva panguva dzino chaidzo.
Chinangwa chakazadziswa
Sezvawaona, zvese zvine mhinduro uye nenyaya yekuti iwe unogona kuwana kudzoka pane yako yawakachengeta kanokwana 3% nenzira yakatarwa uye yakavimbiswa gore rega. Zvese iwe zvunofanirwa kuita kusarudza iyo modhi inokodzera kwazvo chimiro chako semudiki uye wepakati investor uye unakirwe neichi goho kana chapera. Hazvishamisi kuti ichi ndicho chimwe chezvinangwa zvako zvaunoda panguva ino kusagadzikana kune chero rudzi rwemari.
Sezvazviri mune chaicho chokwadi chekuti chokwadi chekuti homwe inokwanisa kugovera chikamu chakakosha kune vamwe vatori vechikamu. Kunyangwe zvingave zvisiri zvevamwe vakawanda uye kwaunofanira kuita sarudzo kubva zvino zvichienda mberi. Saka kuti iwe ugone kuve nechimbadzo chakakwira kupfuura 3% pakupera kwegore, chinova chirevo muchinyorwa chino chakanangana nevatengesi vevatengesi. Uine zvakawanda zvimwe zvirevo kupfuura zvawanga uchifungidzira kubva pakutanga. Unobvumirana nemaitiro ekutanga aya here? Hazvishamisi kuti ichi ndicho chimwe chezvinangwa zvako zvaunoda panguva ino kusagadzikana kune chero rudzi rwemari. Uye kwaari kune ese marudzi emazano muhukama nemari anofanirwa kunangidzirwa.