Mari yekudyara ine zvakawanda zvakanaka mukubata kwavo, uye chaizvo imwe yacho ndeyekuti inokutendera iwe kuisa mari yako mukuchengeta mune chero chinhu chemari. Chaizvoizvo hapana panogumira, uye mu nzvimbo dzese dzenzvimbo, kunyangwe munyika dzakaoma kuziva pamepu. Kusvika padanho rekunyatso kugadzira portfolio yekudyara innovative, uye neimwe nhanho yekutanga, iyo muzviitiko zvakawanda inokatyamadza misoro yayo. Zvese zviri zviviri zvine chekuita nemari inoenderana neyakaenzana uye mari yakatarwa, pasina kukanganwa - zveshuwa - mamwe mamodheru, ndiko kunowanikwa rudzi urwu rwechigadzirwa chemari, izvo zviri kuwedzera kushamisika vanogamuchira.
Vavaki vemari vanoshuvira kupa hupfumi hwavo kubata kushoma kwezvakatipoteredza vane bhenji muBankinter Sustainability fund kuzadzisa zvinangwa zvavo. Hazvishamise kuti portfolio yayo yakavakirwa pamakambani akaverengerwa mukuchengetedzwa, zvakatipoteredza uye zvemagariro indices mutoro. Kukurudzira, nenzira iyi, vatori vechikamu vanoisa mari yavo kubva pane zvavanokoshesa munharaunda. Pakati pegore rino kuita kwake kuri kushata, yakatenderedza 5%, kunyangwe ichienderana nemaitiro anoratidzwa nemisika yepamusoro yemasheya.
Green mhando dzekudyara
Mukati meiyi misiyano, mari yemagariro ine hukama zvakare inomira. Aya ndiwo mamodheru anoratidza mupotifolio dzakateedzana tsika uye zvitendero zvinogona kugamuchirwa nevamwe vatengesi. Kugadzirira kwavo kunochinja-chinja, nekuti ivo vanonamatira kune yakasarudzika, yakagadziriswa, yakavhenganiswa, uye kunyangwe imwe mari. Uye semuenzaniso weichi chirevo chetsika, chigadzirwa chinosangana nehunhu uhu: Blackrock Nyowani Energy Fund. Mari inochengetedzwa yakanyorwa kuenzanirana kuchengetedzeka kwemakambani epasi rese ane huvepo hukuru mune mamwe magetsi magetsi. Iyo inoratidza kutsauka mune yayo yegore pundutso ye1%.
Kuwana mabhegi anoshamisa kwazvo
Imwe yemipiro yemari yekudyara ndeyekuti inobvumidza vashoma vatengesi kuti vapinde munzvimbo ipi neipi, kunyangwe mune dzimwe nyika kusvikira makore mashoma zvaive zvisingafungidzike kuvhura zvinzvimbo mumisika yavo yemasheya. Mongolia, Moldova, Vietnam kana Tanzania iyi ndeimwe yemimwe mienzaniso yekuti mabhengi mushandisi mushandisi anogona kutungamirwa kuburikidza nemari yekudyara.
Kuti isimbise zano rezvemari, zvakakwana kuti utarise zvimwe zvirevo zvakaitwa nevatungamiriri vakuru veizvi zvigadzirwa. Deutsche Invest Africa, ine zvigaro mumisika yeKenya neyeSouth Africa, pakati pevamwe, uye iyo mukati megore rino yakachengeta kudzoka kudiki kwe0,10%. Kana iyo Franklim MENA Fund, iyo inoisa nzvimbo dzayo pazvinhu kubva kuPersian Gulf nyika (Qatar, Oman, United Arab Emirates kana Kuwait), uye iyo mumwedzi ingangoita mitanhatu yegore inoratidza kurasikirwa kwemari kwakatenderedza 11%. Semhedzisiro yekuwedzeredza kutsamira kwemafuta nenyika idzi. Zvakanyanya, zvekuti kuwira kwayo mumitengo mumisika yezvemari (inodarika madhora makumi mashanu pabhairi) kwave kuremedza zvinzvimbo zvehomwe iyi, kupfuura dzimwe nzvimbo dzenharaunda dzisinganyorerwe zvakanyanya negoridhe dema.
Kana, kune rumwe rutivi, iwe uchida kusarudza simba reasina-echinyakare misika yeAsia, imwe yedzakanyanya nzira dzekutora zvinzvimbo iri kuburikidza neFidelity Emerging Asia Funds. Icho chikwama, chine mari yekudyara yakavakirwa pa nyika dzakabudirira zvishoma mukondinendi iyi uye izvo zvinoonekwa semisika irikubuda. Shanduko yaro gore rino inodarika zvinotarisirwa nemisika yekumadokero, iine kushoma kwekukoshesa ingangoita 2%.
Waini, chimwe chinhu chinopfuura kunakidzwa
Waini chikamu chakakosha kwazvo pamatafura eresitorendi, kana yemanheru anodakadza zvikuru neumwe wedu. Iyo inogona kuve chiratidzo chega chega, apo bhodhoro remawini ane mukurumbira anogona kuve nemutengo unosvika 25.000 euros. Sezvazvakaitika kuna Mouton Rothschild wa1945. Asi pamwe izvo vanoziva vashoma vanoziva ndizvo kuburikidza ichi chinwiwa chinodhakisa chinogona kuita mari kuchengetedza, uye nekudzoka zvirinani pane kune zvimwe zvakajairwa zviwanikwa zvemari.
Iyo kubhejera kwenguva refu iyo iri mufashoni nekuda kwekudzikira kwayo kwakaderera kune njodzi nekuda kwekudiwa kwakanyanya kwewaini yayo. Kwete chete mumisika yechinyakare (United States neEuropean Union), asiwo mumisika iri kubuda (kunyanya China). Iko kune akati wandei mari yakaunganidza chikumbiro ichi kubva kuvashambadziri, uye pakati padzo March Vini Catena anomira kunze, anogona kunyoreswa kubva ku6.000 euros. Kuti udzivise kutenga mabhodhoro, chimwe chinhu chinogara chakanyanya kunetsa, chinoiswa mumakambani ekuparadzira, uchigadzira wineries kana vatengesi. Iine avhareji purofiti mukati memwedzi mitanhatu yekupedzisira ye0,30%, kunyangwe zvainyanya kudomwa muna 2015 apo yakasvika pakudzikamisa zvishoma kudarika 13%.
Mari dzechitendero dzekudyara
Kugadzirwa mune izvi zvigadzirwa zvemari zvasvika padanho zvekuti parizvino ivo vanoenderana nehunhu hwezvimwe zvitendero. Iyi ndiyo nyaya chaiyo yeAmana Income Fund, ine hunhu hukuru pamusoro pemamwe emari ekudyara ndeyekuti inovhura chinzvimbo mune zvemari zvinhu zviri zvinoenderana nemitemo yechiIslam. Semhedzisiro yeiyi yakasarudzika zano, hapana mari dzinoitwa mukuona zvinonyadzisira, zvinwiwa zvinodhaka, fodya kana kubhejera.
Julius Baer, kune rake divi, akaunza modhi iyi kumusika wenyika, kuburikidza nehunhu hwekudyara mari, mune ino kesi yakavakirwa pamitemo yeKaturike. Inodaidzwa kuti Temperantia, iine chikwereti chemari yepasi rose yakasanganiswa mari, iyo seyongodiwa chete inopa kugamuchirwa kwe nheyo dzekutanga dzeichi chitendero: kudzivirira kwehupenyu, chiremerera chevanhu uye kudzivirira kwehunhu, pakati pehumwe hunhu.
Mhando dzekudyara dzakavakirwa pachisungo ichi dziri kuvhurwa kubva mumifungo yenyika yeKatorike. Iine akasiyana mafomati mune ayo manejimendi, kunyangwe nzira dzawo dzakafanana zvakanyanya kune imwe neimwe. Zvimwe, zvinopesana, zvinoenderana nekutora chinzvimbo mumakambani emaoko, nzira dzekudzivirira kubata pamuviri kana kufungidzira kwakanyanya. Izvi zvigadzirwa zvinoitirwa chimiro chakanyatso tsanangurwa chekudyara. Kupi hunhu kana kubatana kwakapararira pamusoro pezvimwe kufunga.
Pasi pechirongwa chekubatana
Ndihwo hunhu chaihwo hwakamutsa vamwe varairidzi vane hunyanzvi. Uye kuti ivo vanotengeswa nenhamba yakanaka yemakambani manejimendi ayo anoedza kugutsa ichi chakakosha kudiwa pakati pevatengi vavo vakuru. Kusvikira iwe wasvika kune chairo hombe chikumbiro. Kusiyana nemari yekudyara yakamboratidzwa. Kuve uchiwanikwa kubva kune chero yenyika yenyika yezvemari institution. Saka kuti nenzira iyi, simudzira mamwe maitiro epasirese. Kuburikidza nehunhu hwakadai uye huwandu hwechigadzirwa imari yekudyara.
Aya mazano anotsigira kupa kwavo pane akateedzana ehunhu hwetsika kuitira kuti varimi vatungamire zvirevo zvavo nechiyero chehunhu hwavanotenda mazviri. Pasina iko kudiwa kwekutendeukira kune rimwe kirasi rezvakawanda zvakajairwa mari. Kubva pane ino maonero, iri imwe nzira yaunofanirwa kuita iyo kuchengetedza kunobatsira zvinoenderana nekutenda kwako kana hunhu. Kuva mubatanidzwa chimwe chezvakanyanya kukosha.
Mamwe akateedzana ezvigadzirwa zvemari
Zvisinei, iwe zvakare une mamwe magadzirirwo aunogona kuzvibata zvinoenderana nekutenda kwako. Ivo vanomiririrwa kunyanya ne dhipoziti, kuongorora maakaundi nemakadhi echikwereti. Mauri iwe unogovera chikamu chemari idzi kumubatanidzwa mapurojekiti anomiririrwa nemasangano makuru asiri ehurumende. Kubvumirana kwezvigadzirwa izvi hakurevi kuwedzera mari, uye zvinangwa zvacho hazvitsauki kubva pamhando dzechinyakare.
Zviri kuwedzera uye kuwanda kuti mafomati matsva ari kuwedzera ichi chakakosha kupihwa. Inoonekwa mafomati matsva, aine zvirevo zvitsva uye zvakateedzana zvezvipo kumapoka aya. Chinhu chaive chisingafungidzike makore mashoma apfuura. Mupfungwa iyi, iro basa remabhangi zvinhu zviri nyore unganidza vatengi kudiwa. Iine kuwedzera kwakanyanya kudarika mune izvi zvinotsanangurwa mushe mabhengi zvigadzirwa.
Mari idzi dzinopa chii?
Mari yepakutanga yekudyara uye inopa mukana wekuwedzera huwandu hwezvikumbiro zvaunazvo panguva ino kuita kuti kuchengetedza kwako kubatsire neimwe nzira. Izvo hazvizokusanganise iwe uchifungidzira yakakura mari. Asi nekuda kwechikonzero chimwe chete haina kukanganisa mashandiro kuti iwe unogona kuwana kubva zvino zvichienda mberi. Inogona kunge yakafanana neiya yemari yechinyakare mari yekudyara. Mupfungwa iyi, misiyano yacho iri shoma. Musiyano uripo pahunhu hwayo. Hapana chimwe.
Chero zvazvingaitika, zvinokutendera iwe kusarudza mamwe akasiyana mamodheru. Kure nemafomati ehupenyu hwese. Kufunga a kukurudzira kutsva saka unogona kusarudza mamwe mabhizinesi anoitwa. Mune zvimwe zviitiko, hazviwanzo kuita kuti ugamuchire kusevha kwevashambadzi vadiki nepakati, sezvazviri kwauri. Uine mukana wekutomboisa mari yako mumatimu aunofarira ebhora. Kana kutomboita investa muainini maini ayo anotengeswa pasi rese.
Iwe unongofanirwa kuongorora iyo kupihwa kwakaiswa nemaneja mumaoko ako uye wosarudza homwe yekudyara iyo zvirinani kukwana mukati meiyo nhoroondo investimenti yaunopa panguva ino. Pasina kutarisira kudzoka kunoshamisa, kwete kana pamusoro peiyo inopihwa neimwe mari. Chokutanga pane zvese, imwezve mukana wekuti misika yezvemari inokupa iwe kuti ushande nechero mari yemari. Kubva pane yepakutanga kusvika kune isingafungidzirwe. Iwe unogona ikozvino kuisa mari yako mune chero bhizinesi. Hapana anosiyiwa chero mhando. Iwe unongofanirwa kuongorora kupihwa kweizvi zvigadzirwa zvemari kuti iwe uone kuti iyi imwe nzira inogoneka nhasi.