Zhizha rinosvika zvakare uye iri chaizvo mumwedzi yaChikumi naJuly apo kugoverwa kwezvikamu kunosvika pakakwirira kwazvo pegore. Nemakambani asingaverengeki akanyorwa ayo ari kuzotumirwa mazuva ano kupa izvi kutsiva kune vagovana. Inogona kuve imwe yezvikonzero zvezvimwe zvezvinyorwa zvevashambadzi vadiki nepakati kuti vasarudze kupinda mumisika yekutengesa nekutora ino inonakidza liquid tip. Kusvika padanho rekuti ivo vanogona kuwana iyo chimbadzo kusvika pa7%. Panguva yekusava nechokwadi pachikamu chemisika yemari.
Iko kuunganidzwa kwezvikwereti izvi kunogona kuuya kunobatsira mwedzi ino pamberi pemari yauchazosangana nayo pazororo rako rinotevera. Kusvika padanho rekuti ichave iyo yekuwedzera mari kuitira kuti iwe usazotambura zvakanyanya mukuyera account yako yekuchengetedza. Chokwadi une sarudzo zhinji dzaungasarudza kubva kwemavhiki mashoma anotevera. Kubva pamitengo inochengetedza kusvika kune dzimwe sarudzo dzine hukasha kwaunogona kusimudzira chirevo chemari kubva ikozvino.
Mune chero zviitiko zvacho, kuunganidzwa kwezvikamu izvi kunoitwa sechiridzwa chauinacho panguva ino kuti ndikupe. kushomeka mumwedzi yezhizha vanofanira kusvika. Iwo mubhadharo wakatarwa iwe waunogona kusarudza zvinoenderana nezano rakaitwa nekambani yega yega yakanyorwa uye iyo ichawedzerwa neinogona kuita purofiti mumutengo wezvikamu zvayo. Hazvishamise kuti ichi ndicho chimwe chinhu chaunofanira kufunga nezvacho kubva zvino zvichienda mberi. Kwete chete iyo mari iyo iwe yauchabhadharisa yezvikamu, asi kufarira kwaunogona kuburitsa nekuva nenzvimbo dzakavhurwa mune kumwe kwekuchengetedzeka kubva zvino zvichienda mberi.
Makambani anogovera zvikamu
Uyu wekugovana mubhadharo une hukuru hwekubwinya mumwedzi ino yezhizha. Ndiwo makambani akabatanidzwa nemagetsi nesimba ari kutarisira kuunza muripo uyu kune vagovana. Semuenzaniso, Enagás, Gas Natural, Iberdrola, Endesa kana Red Eléctrica Española. Vachaitisa muviri pakati paJune naChikunguru mari iyi vakamiririra ivo vagovana uye yakaderera uye huwandu hunobva pa3% kusvika pakakwirira ingangoita 8%. Pakati pezvose, chikamu chinogoverwa muhomwe mbiri dzegore, chimwe chazvo chakaitwa zviri pamutemo panguva ino neakasara anozoshanda mukupera kwegore rino.
Kune rimwe divi, iri chikamu chakatsiga mumatanho emunyika asingatambure zvakanyanya mukuchinja. Kupi chokwadi kusagadzikana hakusi imwe yemadinomine avo akajairika, sezvazvinoitika nezvimwe zvakateedzana zvekuchengetedzeka zvemusika wepasirese wemusika. Hazvishamisi kuti, hazvishamise kwazvo kuti mutsauko uripakati pemitengo yavo yepamusoro uye yepasi inodarika nhanho dze2% kana 3%. Nemutengo unogadzikana zvakanyanya muchikamu chakanaka chemwedzi yegore. Saka kuti nenzira iyi, iwe hauna zvakakosha zvakanyanya kushamisika zvinogona kukanganisa chirevo chako chemari mumwedzi inotevera.
Strategy yekushandisa neaya makoshero
Kuti utore chikamu kubva kune aya makambani akanyorwa, iwe unongofanirwa kuve uri mukutenga nzvimbo nenguva ye mazuva mana pamberi zvine chekuita nezuva rekubhadhara mari iyi. Saka kuti kana uchinge waunganidza iwe unogona kugadzirisa zvinzvimbo muukoshi kana ichi chiri chishuwo chako chepedyo. Nekudaro, iwe unofanirwa kuziva kuti kubhadharwa kwezvikwereti kunodzikiswa panguva imwe chete nemitengo yadzo inotaurwa. Kunyangwe ichiwanzochidzorera mushure memasangano mashoma ekutengesa, zvinoenderana nemaitiro anotongwa nezviito.
Kune vazhinji vashoma uye vepakati varimari vanosarudza iyi yakasarudzika zano kuita kwavo kuchengetedza kunobatsira Kunyangwe vari iwo e yakanyanya kuchengetedza kana kudzivirirwa chimiro izvo zvinonyanya kukura nekumwe kujairika. Pakati pezvimwe zvikonzero nekuti ivo vanogadzira portfolio yemari yakatarwa mukati meiyo kusiana. Kuziva nguva dzese kuti purofiti yako ichave iine simba rakanyanya kupfuura iro rinobva kune akasiyana zvigadzirwa zvebhangi. Nekuti iyo yepakati purofiti panguva ino ingori pamusoro pe4%.
Kuvandudza kudzoka pamari
Chimwe chezvinangwa zvekushandisa iyi nzira yemubhadharo yakavakirwa pachokwadi chekuti iwe unowana chishamiso chinoshamisira mukuchengetedza kwako kupfuura dai waive nacho mune zvigadzirwa zvebhangi zvakagadzirirwa kuchengetedza. Semuenzaniso, nguva inochengetwa, manotsi ekuvimbisa kubhengi kana maakaundi anobhadhara zvakanyanya. Kuti muzviitiko zvese ivo havakupe iwe inopfuura 1%, semhedzisiro yemutengo wakaderera mumutengo wemari. Kutevera nzira dzemari dzinoitwa neEuropean Central Bank (ECB) kusimudzira hupfumi munzvimbo ye euro. Uye chii chakatungamira ku mutengo wemari parizvino uri pa0%. Ndokureva, pasina kukosha uye izvo zvazoendeswa kune izvi zvigadzirwa zvebhangi.
Panzvimbo iyoyo, kubhadhara mibairo kunokupa iwe mukana wekutenderedza aya akadzika kwazvo mareti emubhadharo. Zvisinei nekushanduka kwemitengo yavo mumisika yemari. Chero zvazvingaitika, chichava kufarira kuti iwe hauchazopihwa chero nguva nechero mhando yebhangi dhipoziti. Kusvika padanho rekuti vashandisi vazhinji vanonamira kusisitimu ino kunatsiridza mwero weakaundi yavo yekuchengetedza uye kuverenga iine kugadzikana kwemari mune yako wega kana yemhuri accounting. Kupfuura kumwe kufunga kwehunyanzvi uye pamwe kunyangwe kubva kune yakakosha nzvimbo yekutarisa.
Kubatsirwa kwekushandisa zano iri
Kuenda kune zvikwereti zvakabhadharwa nemakambani aya zvinokupa zvakateedzana zvezvakanaka zvaunofanira kuziva kubva panguva ino. Kunyanya kana iwe uchinzwa uchida rudzi urwu rwekushanda mumisika yemari. Uye izvo padanho rezvese zvichave zvinotevera izvo zvatinokufumura pazasi. Bhara zvishoma nekuti iwe unogona kufungidzira mamwe matipi anobatsira anogona kuuya anobatsira pane imwe nguva muhupenyu hwako.
- Izvo zvinokubatsira iwe kuve nehukuru hwemari mune yako yekutarisa account kune inotevera mari iwe yaunoda kutarisana nayo. Semuyenzaniso, Kubhadhara mitero, chikoro chevana kana kutogadzirisa chikwereti pamberi pevamwe vanhu. Pasina chero mhando yemiganhu pane zvinodiwa.
- Kunyangwe ndikakusuwa kubva pakutanga, usakahadzika kuti iwe unogona kuwana imwe yakatarwa uye yegore pundutso inosvika ku8%. Iyi ndiyo chaiyo nyaya yeEndesa, inova imwe yemakambani ayo anogovera zvikamu zvaro muzhizha. Pamusoro pezvo, ndeimwe yehunhu hweIbex 35 iyo ine hunyanzvi hwehunyanzvi.
- Iyo fomati kuitira kuti iwe ugone kuumba yakamisirwa mari portfolio mukati memusiyano. Asi nediki diki uye izvo ndezvekuti iwe unowana mubairo wakakwirira uchienzaniswa neyakajairika echinyakare emabhangi zvigadzirwa. Izvo zvakakosha kuyedza iyi zano kuitira kuti mukupedzisira yako account yekuchengetedza account ive nesimba rakawanda pakupera kwegore rega.
- Iri zhizha une zvirevo zvakawanda zvekusarudza kubva zvavari akasiyana maseketi emusika iyo inogovera zvikamu pakati pevachagovana navo. Iwe unongofanirwa kuzviudza iwe pachako neaya maratidziro ayo anoratidzira akanakisa ehunyanzvi maficha panguva dzese.
Mumvuri wekuenda kune idzi kubhadhara
Uyu muripo unopihwa kune vadiki nepakati vagovani vemari hauna dzimwe njodzi. Zviri nyore kwazvo kuti iwe uvazive kutarisira mamiriro asingadiwe mumisika yemari. Semuenzaniso, muzviitiko zvinotevera.
- Iri zano rekushandisa rinogona kusarega iwe uchibatsirwa kubva izere kukura kugona vane kuchengetedzeka kunobhadhara zvikamu. Kusvika padanho rekuti uwane diki yemari matipi iwe unofanirwa kurega kuongororwazve kwemitengo yavo.
- Izvo hazvina njere zvakanyanya kutendeukira kune zvikwereti kana kuchengetedzeka kwakakanganiswa kuri mu rova yekukosha kwakanyanya. Pakati pezvimwe zvikonzero nekuti iwe unogona kusiya maeuro mazhinji munzira uye kunyangwe wagamuchira uyu mubairo nemugovani.
- Mari iyo makambani akanyorwa anokupa iwe hachisi chipo kana mubairo. Ehezve kwete, kana zvisiri, pane zvinopesana, vanoibvisa kubva kune iyo kukosha kune iyo migove iri kutengesa panguva iyoyo. Ichi chinhu chinokanganwa vashoma vadiki nepakati varimi.
Mukupedzisira, kana chiyero cheiyi ongororo chiri pachena kune zvaunofarira, iwe unofanirwa kuziva kuti uri kutarisana neimwe yenguva iyo mamwe makambani anogovera zvikamu pakati pevachagovana navo. Icho chinhu icho iwe chaunotora chazviri izvozvi, kunyangwe se zano rekugadzirira rako rinotevera zororo. Iko uko kwakakwirira mari yako yemipiro, iko kwakakwirira muripo wauchazogashira mukati memwedzi iyi. Ehezve, hapana mamiriro apo goho rinenge riri pasi pe3%. Mari inokudzwa yakakwana uchifunga kuti mutengo wemari uriko sei panguva ino. Iwe unenge waita kufambira mberi mukuzadzisa zvinangwa zvako.