Mhedzisiro mubhadharo unoitwa nemakambani kune avo vagovana navo semhedzisiro yemabhenefiti akagadzirwa nemabhizinesi avo mitsara. Izvo zvakare ndeimwe yemisiyano inotariswa nezviuru nezviuru zvevatengesi kugadzira yavo portfolio yekudyara. Izvi imhaka yekuti ipa mutambo unotanga kubva pa3% kusvika pa8%. Asi chinonyanya kunakidza panzira dzako ndechekuti iwe unogona kushandisa nzira dzakasiyana kuti ubatsirwe nemubhadharo uyu unopihwa nemamwe emakambani akanyorwa pamisika yemari. Chokwadi iwe urikuda kuvaziva kuti vazviise mukuita kubva ikozvino zvichienda mberi.
Imwe yei nzira inosarudzika nevaponesi kugadzira kuburikidza nemadividheni mari yakatarwa mukati meiyo musiyano. Zvisinei nekunyorwa kwayo pamusika wemasheya. Ndichakupa iwe purofiti yakakwira kupfuura iya inogadzirwa nemabhengi makuru zvigadzirwa (nguva inochengetwa, maakaundi akabhadharwa, zvinyorwa zvevimbiso, nezvimwewo). Aya mamodheru ekuchengetedza haawanzo kudarika 0,50% mukuita Uye zvakare, kuburikidza nemadigidhi iwe uchave uine yakagadziriswa uye yakavimbiswa mari gore rega. Kubatsira kuchengetedza kushomeka kweakaundi yako yekutarisa, pamusoro pezvimwe kufunga.
Imwe yemaitiro iwe aunogona kuve nawo neichi chenguva dzose kubhadhara ndeye kutora mukana wekukwira uko kwavo zvikamu zvavanowana mumazuva vasati vabhadharwa. kubvisa mari. Iyi iri zano rakaomesesa iro rinoshandiswa pamwe neakawanda maitirwo evashambadzi vane ruzivo rwakanyanya mumisika yemari. Ivo havasi kutsvaga kuita uku, asi chavanoda kuita kuita kunobatsira mashandiro avo chero zvodii. Kunyangwe pamubhadharo uyu wavakapihwa asi vasingarovedze chero nguva.
Zvikwereti: mari yakatarwa pamusiyano
Imwe misiyano iwe yaunogona kuwana kune yakasarudzika. Inosanganisira mirira kuti mitengo idzokere kumatanho avo apfuura, yakambodzikiswa kubva pamubhadharo wedividheni. Zvinotora mavhiki mashoma kuti izvi zviitike. Asi chero zvakadaro iwe unozotengesa zvikamu zvako chete nezvakanakira goho remugovano. Ndokureva, mukudyara chaiko kwauchange waita iwe unenge usina kuwana chero purofiti. Ndiyo imwe yedzakanakisa nzira dzaunofanirwa kukwidziridza kubhadhara kwemuripo uyu unopihwa nemabhizimusi. Kunyangwe isina zvakawanda zvekuita neicho chiri chakachena uye chiri nyore kudyara.
Kubhadharwa kwezvikamu zvemamwe makore ikozvino kunokutendera iwe sarudzo mbiri. Kune rimwe divi, kuchaja ivo zvakananga uye kuti vanoenda kuaccount yako yekutarisa kuti iwe ugone kuita zvaunoda navo. Uye kune rimwe divi, mukana wekugona kuzvidzorera muzviito iwe pawakatora zvinzvimbo. Ichi chichava sarudzo yemunhu chaiye yaunofanirwa kutora mushure mekuongorora zvaunoda chaizvo uye chii chiri chimiro chemumwe mudhara wemari iwe waunopa.
Chero zvazvingaitika, zvingave zviri nyore kuti iwe uzive kuti ndedzipi zviitiko zviri zvakakunakira kuti iwe uise mari kunyoreswa kunogamuchirwa kune vese vagovana. Sezvo zano re kunatsiridza chimiro cheakaundi account yako. Hazvishamise kuti iwe unogona kunatsiridza margins ayo bhangi anokupa iwe kune zvikamu. Teerera nekuti zvinogona kunakidza pese panowanikwa chiitiko chako chekudyara.
Mune matanho ekuwedzera
Kana sosi iri kusangana nedanho rekumusoro, unofanirwa kudzoreredza kubhadhara kwezvikamu. Icho chikonzero ndechekuti nekuda kweaya mashandiro iwe uchave nemasheya akawanda, uye nekudaro, mikana mikuru yekuti goho riwedzere. Panzvimbo yekunakidzwa neako kukwana. Ichave iri nyaya yekuve nemari isingachinjike kwenguva yakareba. Mukutsinhana kwekuvandudzwa kweyeti kuita.
Yekureba-kwenguva ekuchengetedza mabhegi: kana yako investa yakaitirwa iyo yepakati kana yakareba kwenguva, kufamba uku kuchave zvakare kunobatsira. Kwete chete izvo zvinokutendera iwe kuti uwedzere mari yako, asi iwe unenge uri muchinzvimbo chekutora imwe mari muzvikamu zvinotevera. Saka, iwe uchawedzera mari yako yawakaisa mari zvishoma nezvishoma. Iyo inzira yepakutanga yekugadzira bhegi rekuchengetedza kwemakore mashoma anotevera. Hazvishamise kuti maitiro ako anoitirwa makore mazhinji, kunyangwe muchimiro chekudyara nhaka. Inogona kunge iri mukana wakanaka kwazvo wekusimudza nzvimbo dzako mumusika wemasheya.
Akasimba kwazvo tsika
Imwe nzira inogona kuvandudzwa mumitengo yakagadzikana isingawanzo kutambura kuwira kwakakosha mumusika wemasheya. Zvichava zvinonyanya kukosha kusanganisa zvikamu muinvestment pane kusazviunganidza nekukasira. Kunyanya kana usiri kuzoda mari iyoyo kwenguva yakareba. Chero zvazvingaitika, hauzove nesarudzo kunze kwekutarisa miganho yenguva yekuvhara zvinzvimbo mumatunhu. Kudzivirira kufamba kwakadzika mumisika kubva mukukonzeresa chikamu chezviwanikwa kuita mhute, pamusoro pekudyara kwacho.
Chero zvazvingava, kugoverwa kwezvikamu pakati pevachagovana zvichaitika gore rino chichava chimwe chinhu chinokurudzira kupinda muzvikwereti gore rino. Nekuti zvirokwazvo, inovimbisa kuve chiitiko chizere nenhau dzakanaka kune vano saver. Kunyangwe hazvo pamwe nekumwe kuora mwoyo muchimiro chekudzikiswa kwemuripo uyu kune vanoita mari.
Kubva pane ino mamiriro, iwo makuru matsva anopihwa nemakambani akanyorwa ndeekuti kudzoka kwavachagadzira kunoenzaniswa mune avhareji purofiti padyo ne4%. Chero zvazvingaitika, mashoma gumi pazasi akaburitsa gore rapfuura uye akaratidzira imwe yeakanakisa marekodhi maererano nekuita. Chero nzira, iri kufamba pasi pechinhu chinocherechedzwa. Pasina zvakawanda zvinokatyamadza uye neiyi kugadzikana muhuwandu huchaenda kuaccount account yeadiki nepakati varimi.
Kudonha mukuita
Haasi ese eayo mashoko akanaka kune vesaver vanoziva nezve shanduko yemagovha. Nekuti pane makambani mashoma akaderedza huwandu hwavo. Iyi ndiyo chaiyo nyaya yeimwe yeanotungamira maSpanish equities: Telefónica. Nekuti mushandi wenyika akasarudza kuti gore rino achekere kubhadhara kwaanopa kune vagovana. Sezvo yazivisa kuti ichagovera mubairo wedividendi ye2017 euros inotarisira maakaunzi e0,40, zvichienzaniswa ne0,55 euros ye2016 (gore iro raitarisirwa kugovera 0,75 euros). Izvo hazvisi nhau dzinofarira vadiki nepakati varimi. Asi pane izvo zvinopesana, nekuti ivo vari kuenda kure nekuenzanisa nzvimbo, zvirinani munguva pfupi.
Mamwe makambani akanyorwa pamusika wepasirese wemusika akasarudza zano rimwe chete zvichienderana ne kugadziriswa kwemari idzi. Kunyangwe pazasi pemamwe mapesenti asina kukosha zvakanyanya. Nokuderedzwa kwegoho paga mugove uyo chero zvodii usingapfuuri iwo mazinga e10%. Asi izvo mune chero zvazvingava zvinoodza moyo varimi kubva kutora chinzvimbo mune chero eaya maSpanish equities. Mukupesana neavo vanofarirwa zvikuru nekuparadzirwa uku.
Chii chingaitwe nevarimi?
Tichifunga mamiriro ezvinhu akaunzwa nezvikwereti zvegore idzva iri, kune akawanda marongero anogona kushandiswa kukwidziridza kukosha kwemari inounganidzwa. Kubva pamabasa ane hukasha kune vamwe vane zvirevo zvakawanda zvekudzivirira ku chengetedza mari yakachengetwa. Pakati pavo, sarudzo yekusimudzira kufamba nekukurumidza kupfuura zvakajairika inomira. Ine chinangwa chakajeka uye chakanyatso tsanangurwa. Icho hachisi chimwe kunze kwekuyedza kuwana kuita kwakanyanya pamitengo yavo nemubatanidzwa wemuripo uyu. Pasina kunongedza denser nguva dzinoitirwa iyo yepakati uye yakareba nguva.
Imwe nzira yekuita iyo iwe unayo panguva iyoyo inobva zvishoma zvishoma zvimiro. Iko kurongwa kwako kuchasanganisira kusarudza kwechengetedzo iyo inopa zvirinani gohwo goho uye izvo zvinobva zvaratidza kusavimbika kwehunyanzvi chimiro, kana zvirinani iine zvishoma kana zvishoma zvakajeka kumusoro. Saka kuti nenzira iyi, ivo vari mune yakanakisa mamiriro kuti vawane zvakanakisa kubva munzvimbo dzakavhurika kubva zvino zvichienda mberi.
Chechitatu chezviito zvako chinofanirwa kuve chakanangana nekuita yakawanda kwazvo nzira dzakasiyana siyana kusvika zvino. Sei? Zvakanaka, zvakapusa, kusarudza a investment fund izvo zvinoenderana nemari yemari yezvinhu izvi. Iwe une zvirevo zvakawanda kwaunogona kusarudza yako yaunofarira mari, zvese mumisika yenyika uye neavo vanobva kune dzimwe nzvimbo dzenzvimbo. Zvese zvinoenderana neprofile iwe yaunounza seadiki nepakati investor.
Mari dzinopatsanurwa
Nekuti zvirizvo, kune akati wandei ezvigadzirwa zvemari zvinoisa zano ravo pakubatanidza tsika idzi. Pasi rose, Pasina kusarudza kambani imwe chete. Asi, rinotarisa mukudyara mudengu rakasiyana-siyana remasheya. Iyi imwe nzira yaunenge uripo kana iwe uchida chengetedzo huru kune yako yemari mipiro.
Iko kukanganisa kukuru kwauchazowana kuti uwane mukana wekudyara uyu ndeyekuti iwe uchafanirwa kutora makomisheni akawandisa kupfuura nekutenga chaiko uye kutengeswa kwemasheya mumisika yemari. Nemaperesenti anogona kukwira kusvika pa2%. Muchiitiko ichocho iwe uchafanirwa kukumikidza yakakura mari yekushandira mari idzi. Kunyangwe mukudzoka, iwe uchave uine rusununguko rukuru rwekuchinjisa kune imwe mari yekudyara pasina chero rudzi rwechirango. Uye zvakare, aya mashandiro anozokwanisa kuamisa iwo chero nguva uye pasina muganho mukufamba. Chero bedzi mari yacho ichibva kubhangi rimwe chete.