Sarudzo yeEuropean Central Bank (ECB) yekunonoka kukwira kwemitengo yemubhadharo munharaunda ye euro yakaratidza kusiyana kwemutengo wekuchengetedzwa kwebazi remabhangi nemakambani emagetsi. Kusvika pakumaka misiyano inopfuura gumi% mukushandurwa kwemitengo yavo uye izvo zvinogona kuita kuti mari dziwane purofiti kana kuti kwete pane dzimwe nguva. Mupfungwa iyi, inogona kukuudza kuti hunhu hwemisika yemasheya iyi hwakasiyana zvachose uye hunhu hwayo hunofanirwa kuongororwa kuti iite chero mhando yemabasa mumisika yemari.
Pane imwe nguva mutungamiri weEuropean Central Bank, Mario Draghi, akataura kuti kwaisazove neshanduko mumutemo wezvemari weEuropean Union, maitiro eumwe neumwe emakambani aya aive akasiyana zvachose. Nepo mabhangi akanyorwa pamusika wemasheya akadonha pakati pe4% uye 7%, makambani emagetsi akaonga zvakapoterera 2%. Hazvishamise kuti paive nevazhinji varairidzi vakachinja zano mune yavo yekudyara portfolio. Sezvo zvaive zvave zvemakore mazhinji, zvakange zvisina kuziviswa mumisika yenyika yequity.
Mukati meichi chiitiko, chimwe chezvikonzero chekutsanangura mafambiro aya mumisika yemari ndechekuti hunhu hwesangano remagetsi hwakaita senge kukosha kwekupotera takatarisana neichi chiitiko chitsva chemari. Kuva chikamu chinoonekwa sechimwe chekudzivirira kupfuura zvese. Iko kunowanzoitika kuti kusati kwadonha mumusika wemasheya kunongedzera zvikamu zvaro zvinokoshesa zvakanyanya. Nekuti ivo vanounza runyararo rukuru pakati pevashoma nepakati varimari nekuda kweakakosha hunhu hwemakambani akanyorwa.
Chikamu cheBanking: hachina pundutso
Kudonha mumusika wemasheya emabhangi muvhiki yapfuura kwainyanya kukonzerwa nekuti nemamiriro ezvinhu epasirese ane mitengo yemitero yakaderera chaizvo sezvazvino, purofiti yavo inoderera. Ndokunge, ivo havagone kunatsiridza yavo bhizimusi purofiti sezvo ivo vanowana mari shoma nekukwikwidza chero mutsetse wechikwereti: wega, wekushandisa uyezvezve zvakare mogeji. Iwo mabhenefiti anotambura nemutengo unodhura wemari. Mupfungwa iyi, haigone kukanganikwa kuti panguva ino mwero wekufarira mudunhu reeuro ndi 0%ndiko kuti pasina kukosha.
Semhedzisiro yechiitiko ichi, mwero wekukwira neEuropean Central Bank ungareva kuti masangano emari anogona kunatsiridza ako epakati epakati uye nekudaro wedzera mabhenefiti ako egore. Zvakanaka, ichi chinhu chisati chaitika nekuda kwekushaya simba kwehupfumi mukondinendi yakare, sezvakataurwa nemusoro weECB, Italian Mario Draghi. Ichamirira, kwenguva iripo, gore rinouya kuti mafambiro ekutanga mumusika wemari agadzirwe. Nekunonoka pane izvo zvaifungidzirwa kwemwedzi yakati wandei uye izvi zvakakanganisa mabhengi.
Makambani emagetsi akabatsirwa
Chekutanga chiitiko chakave mushure memashoko emutungamiri weEuropean Central Bank ndechekuti chikamu chakanaka cheguta rakange rakaiswa mumapoka emari. yakaendeswa kumakambani emagetsi. Nesimba iro risati raonekwa kwemakore mazhinji uye iro rakaratidzirwa kuburikidza nehukuru hwakanyanya hwekutaurirana uye izvo zvinopa chokwadi chechokwadi kushanduko mumabasa ekudyara. Ikozvino zvinoramba zvichionekwa kana kufamba uku kuri muchinguva chipfupi kana kupesana kunowedzera munguva yayo yekusingaperi. Chero zvazvingaitika, inguva chaiyo yekusiyanisa marongero ekudyara nekuti hapana mubvunzo kuti mari zhinji iri panjodzi panguva dzekutengesa idzi.
Makambani emagetsi anonyanya kuzivikanwa neawo kudzikira kushoma. Ndokunge, ivo vanopa musiyano pakati pemitengo yavo yepamusoro uye yepasi iyo iri kurova zvakanyanya. Nekusiyana-siyana kunogona kusiyana pakati pe2% ne3%, izvo zvinoita kuti aya maitirwo abatsire zvakanyanya kune anochengetedza kana anodzivirira mapotifoli munguva pfupi, yepakati nepakati refu. Iko kune mari zhinji dzinotenderera nzvimbo dzadzo mukutarisana neichi chiitiko chitsva chakagadzirwa mushure mesarudzo neEuropean Central Bank. Kune chikamu chakanaka chevaongorori mumisika yemari sezvisingatarisirwe.
Chinja mari yekudyara
Kune akatiwandei marongero ayo vashoma nevapakati varimi vanogona kutora kana vatarisana neizvi mamiriro matsva muzvibereko. Ndokunge, vanoramba vari pa0%, sezvanga zvichiitika kubvira 2013 kuyedza kumutsiridza hupfumi munyika dzenyika yekare. Mupfungwa iyi, nhanho yekutanga inofanirwa kutorwa nevatengesi vevatengesi ndeyekutamisa chikamu chemari kubva kunzvimbo dzakashama mumasangano emari kuenda kumakambani emagetsi. Zvese zviri zviviri nezvekutenga uye kutengeswa kwemasheya mumisika yemari pamwe nemumari yekudyara kana kunyangwe mune akanyorwa.
Iri zano rinogona kuitwa zvine hukasha kana kuitiswa zvine mwero zvichienderana nehupfumi hwevashambadzi vadiki nepakati. Kubva pane ino yakajairika mamiriro, iwe unogona kumirira kuti uone kuti chii shanduko yeaya masheya sevhisi iri mukati mevhiki ino kusvika ita sarudzo yekupedzisira pane kuumbwa kweinotevera portfolio yekuchengetedzeka. Kunze kwekumwe kufunga kwehunyanzvi uye pamwe zvakare kubva pakuona kwezvakakosha. Nechinangwa chega chekusaita chikanganiso mune zano iro varimari vari kuzoita kubva zvino zvichienda mberi.
Chiyero chemagetsi pakakwirira
Dambudziko hombe mukuita iyi nzira yekudyara iri muchokwadi chekuti iyo mutengo mumakambani emagetsi akakwirira kwazvo uye nenjodzi yekutambura kwakakomba kugadziriswa mumwedzi iri kuuya. Mupfungwa iyi, haigone kukanganwika kuti mazhinji emakambani aya ari mumamiriro ezvinhu epamusoro-soro nguva. Sezvo mukusununguka kusimuka, zvinoreva kuti ivo havasisina kupokana kwehumwe kukosha pamberi. Asi chero nguva, maitiro anogona kuchinja sezvo pasina chinokwira kana kudzika zvachose mumisika yemari, sevashambadzi vane ruzivo rwakawanda mukushanda kuita mari kuchengetedza kwavo vanoziva kwazvo.
Kune rimwe divi, chirongwa chinoshanda kwazvo chekuchengetedza mari kubva ikozvino uye kusarudza hunhu hwesangano remagetsi muchikamu chekutanga chegore rino. Zvakare, uine yakanyanya kukamurwa goho, iri pakati pe5% uye 7% kuburikidza nemubhadharo wakatarwa uye wakavimbiswa gore rega. Imwe yeakanyanya kukosha pamisika yenyika yeityity panguva ino. Asi munguva yepakati nepakati iyi inogona kunge iri mari isingabatsiri pane inoenderana nemabhangi. Hazvishamise kuti kugona kwayo kwekukoshesa hakuna kunyanya kukwirira.
Portfolio mukota yechipiri
Ichave muhafu yepiri yegore rino isu tichafanirwa kutarisa kumashure kumabhangi. Kana zvirinani kana paine zviratidzo nezve simuka muzvibereko neEuropean Central Bank. Pakati pezvimwe zvikonzero, nekuti kunyangwe zvese, vane mukana mukuwongorora kwavo kwakanyanya kwazvo. Mune mamwe makambani emusika wekutengesa kunyange pamusoro pe30% semhedzisiro yekudzikira mukugadziriswa kwemitengo yavo yakaitika mumwedzi gumi nembiri yekupedzisira. Kubva nemaonero aya, kuisa mari mubhangi chikamu kunogona kuita basa rinobatsira kwazvo kana kufamba kwacho kuchinongedzwa kwenguva refu.
Nepo pane izvo zvinopesana, kana ECB ichizivisa kukwira kwemutengo wemari, hapana mubvunzo kuti mabhangi achakwira nesimba guru uye nesimba. Hazvina kukosha zvakanyanya ndezvekuti isu tichafanirwa kunge takagadzirira kana zvese izvi zvoitika uye zvichizoitika zvichaitika pakati pegore rinouya, sezvakaratidzwa nemutungamiriri weEuropean Central Bank, Mario Draghi. Zvino mubvunzo unenge uri gadzirira iyi shanduko huru muitiro munharaunda yenzvimbo yemari. Saka kuti vatengesi vasawana pachavo nerutsoka rwakachinja, sezvazvakaitika kazhinji.
Chero zvazvingaitika, uye mushure mekuita ongororo iyi, mutsauko uripo pakati pehunhu hwemabhangi nemagetsi zvikamu zvakajeka. Zvakawanda kupfuura vatengesi vadiki nepakati vanogona kutenda. Uye mutsauko unogona kuita maeuro mazhinji muchitauro chemari chakaitwa mushure mekufamba mumisika yemari. Iko kunenge kusisina sarudzo asi kuve mune chaiyo chikamu panguva yakakodzera, inova mushure mechishuwo chechikamu chikuru chevashandisi vemusika wemasheya. Saka kuti nenzira iyi, iwe unogona kuenderera nekuwedzera yako account yekuchengetedza account kubva kune aya chaiwo nguva. Zvakawanda kupfuura vatengesi vadiki nepakati vanogona kutenda.