Nekuiswa kwegore rino kwechigadzirwa chitsva cheInvesco, patova nemari dzinoverengeka dzakagadzirwa nemakambani manejimendi ayo anotungamirirwa nemisimboti nehunhu zvinodzivirirwa neChechi yeKaturike. Iko makambani anotyora pfungwa yechiKatorike yemhuri uye yemuchato akasiyiwa munzvimbo yavo yekudyara.
Kunyangwe paine muripo wakadzoserwa mumwedzi ichangopfuura, mari yekudyara yakavharwa gore rapfuura nemabhadharo emambure anosvika mamirioni 8.410 emamiriyoni, sekureva kwazvino dhata rakapihwa neAssociation of Collective Investment Institutions uye Pension Funds (INVERCO). Chimwe chigadzirwa, mari yekudyara, uko mamodheru anoenderana nemitemo yechitendero, uye kunyanya chiKatorike, zvichiri pachena vashoma mune iri kupa.
Mari yeKaturike yekudyara haibatsiri kupfuura mamwe ese. Kana zvakare kushoma nekuda kwehunhu hwavo. Mupiro wavo mukuru ndewekuti vanotendera vashandisi kuisa mari yavo zvinoenderana nenzira yekufunga uye kuita muhupenyu. Kubva pane zvavanotenda uye ivo vanoziva chokwadi chekuenderana nekutenda kwakanyanya. Ichi ndicho chimwe chezvikonzero zvikuru, kwete chete, nei vamwe mamaneja ekudyara akafunga kuvhura zvigadzirwa zvekudyara kwevaKaturike.
ETF inoremekedza maitiro
Parizvino kupihwa kwacho kuri kushoma, asi zvirinani zvinovatendera kunyoreswa nevaponesi vanoshuvira kunyatsoenderana nekufunga kwavo kwechitendero. Imwe yemakambani manejimendi ane simba pamusika, Invesco, anga ari wekupedzisira kuenda kumberi nekupa vatengi vayo chigadzirwa chemhando idzi. Inotarisira zvinhu zvinopfuura mamirioni mazana manomwe ezviuru zvemadhora uye yasarudza segore rino kuisa mune yayo yekudyara kupa iyo ETF iyo inopa kusangana kune MSCI Europe kuremekedza izvo zvinodiwa uye hunhu hweChechi yeKaturike.
Ichi chigadzirwa chemari, ETF, chinobatanidza mutual mari nekutenga uye kutengeswa kwezvikamu mumisika yemari. Asi ine mamwe makwikwi emakomisheni aripo mune aya emhando dzekudyara. Kutenderedza 0,30% pagore pamari yakadyarwa uye avo vane kondirakiti inoitwa mumaeuro, sezvo iwo ari makambani akanyorwa pamasheya ekutsinhana kwekondinendi yekare.
Invesco MSCI Europe ESG Vatungamiriri Katurike Misimboti, ndiyo inodaidzwa kuti chigadzirwa ichi, inoisa mari mumakambani anoenderana nenzira dzinodzivirirwa muchitendero cheKaturike. Izvi zvinosanganisira kubviswa kwekambani chero ipi iri kuita zviitiko zvine chekuita nekubvisa nhumbu uye nzira dzekudzivirira, kutsvagisa masero, kuongorora mhuka uye kutyorwa kwekodzero dzevanhu.
Investment sechiridzwa
Kusvika kweimwe yemakambani manejimendi akasarudza iyi fomu yekudyara, Kutendeka Kuisa mari, hakusii kukahadzika pamusoro pechinangwa chavo chaicho. "Hatitsvake chete kudzoka kukuru kune vatengi vedu, asi zvakare kuva chishandiso cheevhangeri", vanokanganisa kubva kune uyu maneja maneja. Semhedzisiro yeiyi yetsika yekuongorora, mari yayo yekudyara inoremekedza nzira nemitemo yeSocial Doctrine yeChechi irimo muhomwe Altum Kutenda-inowirirana Equity Fund.
Ihomwe yemari yekudyara yakajeka yeKaturike inokurudzira hunhu hwakadai sekudzivirira mhuri, hupenyu, chiremerera chevanhu uye kuchengetedzwa kwezvisikwa. Iko kushoma kunyoreswa kweiyi investimenti kunobva ku1.000 euros yevatengesi saver. Munguva pfupi yatakange tiri mugore rino, yakaonga zvakapoteredza 5%. Iyo inomira pachena nekuti haina mumakambani ayo eportfolio ane zviitiko zvinotyora pfungwa yechiKatorike yemuchato nemhuri. Kusanganisira vanogadzira makondomu, akadai seDurex, kana mapiritsi ekudzivirira kubereka.
Maitiro etsika
Imwe sarudzo yekudyara yerudzi urwu inomiririrwa nehomwe kuzvidzora iyo yakaitwa neimwe yekambani dzakakurumbira dzepasi rese manejimendi senge Julius Bauer. Pamusoro pechirongwa chemari, zvimwe zvinosiiwa zvinoitwa zvinodzivirira kudyara mumakambani anotyisidzira hupenyu uye chiremerera chevanhu. Chero zvazvingaitika, kuisa akateedzana mafirita kusarudza kubva kune yayo yekudyara portfolio iwo makambani anoenderana nehunhu hunhu hweChechi yeKaturike.
Kubudirira kwaro kwakaunganidzwa mukati megore rino ndeimwe yepamusoro, 5,64%. Kunyange gore rapfuura, iro raive rakashata kwazvo kune mari dzese dzekudyara zvichibva pamari, yakangodzikira ne6,73% kana ichienzaniswa ne9,02% yeavo vari muchikamu chayo. Inoisa mari inodarika makumi manomwe neshanu muzana muzvikwereti zvepasi rose, nepo dzimwe dzese dzakapihwa veruzhinji uye zvakavanzika mari yakatarwa, iyo inosanganisira yakatarwa-nguva kubhangi, pakati pezvimwe zvinhu zvemari. Inopa yakatemwa komisheni ye75% pane iyo mari yakachengetwa, zvinoenderana neiyo yemamwe epasi rese mari yekudyara.
Zvemagariro zvinobatsira
Mumutemo wekutsigira mhuri kuSpain, kurapa kwakanyanya kunobatsira kwemhuri dzakakura kunopihwa kukuvadza rubatsiro rwekuberekwa kwevana. Iri zano rinonyanya kushandiswa munyika dzekuchamhembe nechepakati peEurope, nemitero iri pakati pezana ne100 euros pamwedzi kumwana mumwe nemumwe.
Spain ndeimwe yenyika dzine imwe yemitero yepasi pasi yekuberekwa muEuropean Union. Iine huwandu hwakazara hwekuzvarwa 8,4 pavagari chiuru, maererano neazvino dhata yakapihwa neEuropean nhamba hofisi, Eurostat. Iko kunoratidzwa kuti ndiyo yechitatu yakadzika mwero wekuzvarwa, pamberi peGreek chete (1.000) neItari (8,2).
Asi, chiitiko ichi chinoshandura sei kune rubatsiro rwepamutemo urwo vanogamuchira vanowana pavanounza vana vavo munyika? Iko hakuna chinzvimbo chakafanana mukirabhu yakasarudzwa yeEuropean. Kunyangwe kuzviita sekumanikidza uye nenzira iyi kubatsira mhuri kuti dzibatsirwe kubva pachinzvimbo chavo chitsva sevabereki.
MaScandinavians: anonyanya kuwedzera
MuEurope, ndizvozvo chaizvo nyika dzepakati uye kuchamhembe kwekondinendi idzi ndidzo dzinopa zvakanyanya kukudziridza marongero anosimudzira huwandu hwekuzvarwa pakati pevagari. Mumwe weiyi mienzaniso unomiririrwa neSweden, iyo parizvino inofungisisa rubatsiro rwemaeuro zana nemakumi masere pamwedzi pamwana mumwe nemumwe, uye inowedzerwa gore rimwe nerimwe kusvika vana vava nemakore gumi nematanhatu. Mune ino kesi, ichiperekedzwa nekadiki yemwedzi yekuwedzera yemhuri hombe.
Pakati pemitsetse yakafanana kune imwe nyika yeScandinavia, Denmark, iyo iri mukati memabhajeti ayo akawandisa inosimbisa kuburitswa kwerubatsiro rwemhuri dzinosvika zana nemakumi mashanu emadhora pamwana mumwe nemumwe uye inoshanda kusvika pamakore gumi nemasere. Finland inopawo vabereki zana euros pamwedzi, nekukura kunosvika makore gumi nemanomwe uye kunowedzera zvishoma nezvishoma sezvo huwandu hwevana hunowedzera. Ipo kuNorway, mwana wega wega anotambirwa nemubhadharo pasi peruoko muhuwandu hwakaenzana chaizvo nevekare, kusvika pamakore gumi nemasere.
Iyo yakakosha kesi iri muEstonia, iyo ine yakasimbiswa pamwedzi kubhadhara kwe50 euros kusvika zera revakawanda. Zvakare kugamuchira 320 euros panguva yekuzvarwa kwake uye iyo inokwira kusvika ku1.000 euros yemhuri hombe. Zvinoenderana neFamily Policy Institute (IPF), zvichibva pane data kubva kuMISSOC (Mutual Ruzivo System pane Zvekuchengetedzwa Kwemagariro), izvi zvinowirirana muzvirongwa zveveruzhinji zvinodzokororwa munyika dziri pakati penyika.
MuGerman neAustria, vabereki vanokwanisa kuwana € 216 uye € 131 yemwana wekutanga, zvichiteerana. Ipo nyika dzeyaimbova macommunist bloc dzakazvisimbisa mumatanho ari pakati pe20 ne30 euros, kunze kwaViktor Orban weHungary, iyo inokwidza mari yemhuri iyi kune makumi mana nemaviri euros.
Iyi yamuro inozadzikiswa nedzimwe tsigiro dzerubatsiro dzakadai seidzo dzinomiririrwa nekuderedzwa kana kuregererwa mumashandisirwo ekireshi kana mubhadharo unogamuchirwa nevacheche uye unogara kusvika vasvika kuwanda. Mari inowedzera zvishoma nezvishoma sezvo mwana anokura.
Kubviswa kwemitero kuSpain
Vabereki veSpanish, kune rumwe rutivi, havagone kuwana chero rubatsiro rwepamutemo rwemwana akazvarwa. Kunyangwe pane zvinopesana, ivo vane mahara zvachose epuraimari uye sekondari dzidzo. Pasina chiito ichi kuchinjirwa kuzvidzidzo zvepamusoro kuyunivhesiti kana kukireshi. Rubatsiro panguva yekuve vabereki rwuri padanho renyika, kunyangwe zviri nyore kutarisa kune rutsigiro rwemari runopihwa nedzimwe nharaunda dzakazvimiririra kana manejimendi emunharaunda (makanzuru eguta, makanzuru edunhu ...).
Chero zvazvingaitika, chiyero chinonyanya kushamisa chinoenderana nerubatsiro rwekuberekwa iyo ine huwandu hwe1.000 euros mumubhadharo mumwe chete uye inongorambidzwa chete kumhuri dzisingapfuure miganho mumari yemhuri yavo. Nemahara ari pakati pe11.606 ne15.087 17.467 euros yemhuri dzisiri-hombe, zvinoenderana nevana vanovimba. Ipo pane izvo zvinopesana, mune akawanda acho inomuka pakati pe37.272 neXNUMX euros. Muzviitiko zvese izvi, ivo havafanirwe kunge vari kuwana chero bhenefiti yeiyo imwechete iyo iyo iyo yainotarisirwa kukumbira.
Kune rimwe divi, mhuri hombe dzinogona kubatsirwa kubva pakubviswa kunowanikwa kune iri rakakosha boka rezvemagariro kuburikidza nesitatimendi yemari uye inosimbiswa seinotevera:
- Kuderedzwa kwe1.200 euros yemhuri yakakura kwazvo (vatatu kana vana vana).
- Kubviswa kwe2.400 euros kune avo vari muchikamu chakakosha (vashanu kana kupfuura vana).
- Kubviswa kwe1.200 euros yemhuri dzine vana vakaremara.