Nguruve bhangi zvinhu mumisika yemari

Kuchengetedzeka kana zviwanikwa zvemari zvinodaidzwa kuti nguruve mabhengi aya mafomu ekudyara ayo anounza kudzoka kudiki gore rega, zvisinei nezvinoitika mumisika yemari. Mupfungwa yekuti ivo vakafanana chaizvo neyakagadziriswa mari inotorwa zvigadzirwa zvinopa coupon yegore iyo iri pakati pe1% ne3%. Kuve yekirasi yekudyara inoitirwa zvine mwero kana inodzivirira mushandisi mushandisi. Iko kuchengetedzwa kwemari kunokunda pane kumwe kufunga kune hukasha. Ivo havadi kuyedza nemari yavo uye nekudaro enda kune akachengeteka mafomati emari.

Chero zvazvingaitika, chinhu chimwe chiri pachena uye ndiko kuti parizvino pane akasiyana piggy ebhangi zvinhu mumisika yemari. Uye chii chakanyanya kukosha, chemhando dzakasiyana kuti ugutse zvido zvekudyara kwechikamu chakanaka chevashambadzi vadiki nepakati. Zvekuti nenzira iyi, ivo vanogona kusiyanisa mari yavo zvakanyanya zvinobudirira kubva zvino zvichienda mberi. Kwete chete kubva kuequity asiwo kubva kune yakamisirwa mari kana kunyangwe kubva pane dzimwe sarudzo kuti uwedzere sarudzo inozoitwa nevashambadzi vadiki nepakati. Nekuchengetedzeka kukuru mumafambiro anotorwa.

Iyi midziyo yezvemari inoonekwa kune rimwe divi nekusagadzikana kwavo kwakaderera sezvo misiyano iri pakati pemitengo yavo yepamusoro kana yepasi ishoma kwazvo. Ndokunge, iwe unogona kudzikama kwazvo panguva yekugara uye pachinzvimbo zvinokupa mukana wekugadzira bhegi rekuchengetedza pakati uye kunyanya kwenguva refu. Kunyangwe mune chero mamiriro ezvinhu usatarisira kuve neyakawandisa purofiti nekuti ichi hachisi chaicho chimwe cheayo akakosha mabasa kubva zvino zvichienda mberi. Ichi ndicho chikonzero iine zita iri rekuda kuziva uye rinozivikanwa nemidziyo iyi yemari kuti tichakufumura pazasi.

Nguruve bhangi kukosha: simbi dzinokosha

Iyi midziyo yezvemari ndeimwe yemakesi akajeka pamusoro perudzi urwu rwekudyara. Nekuti ivo vanoita zvirinani mune zvakanyanya kushata equity zviitiko uye saka ndivo vanogamuchira chikamu chikuru cheiyo kuyerera kwemari yemari hombe yekudyara, epasirese uye kunze kwemiganhu yedu. Nepo kune rimwe divi, hazvigone kukanganwika kuti izvi zviwanikwa zvemari zvakanaka kwazvo kusimudzira kuchengetedza, kunyange muchiitiko ichi zvine njodzi yakati wandei munzvimbo dzinoitwa. Hazvishamise kuti, ivo vanogona kupa inonakidza kwazvo kudzoka kwezvaunotarisira kutarisira kune chikamu chakanaka chevashandisi.

Kune rimwe divi, iwo akasiyana esimbi mitengo ndeyekudyara kwakasarudzika kupfuura kune zvimwe zvirevo mumisika yemari. Kubva pane iyi nzira, zvinofanirwa kucherechedzwa kuti goridhe rinozvidzivirira mushe mune zvese inflationary kana deflationary zviitiko uye inoiswa seyemidzi isina hukama neiyo dhora shanduko. Kune vanoita zvemari vanotarisira kudzikira kweiyo greenback iyo ingangove sosi yemubatsiro. Chimwe chinonakidza chokwadi ndechekuti kune vanoita mari muma euro kukoshesa kwegoridhe kwanga kuri kushoma. Seimwe nzira inonakidza kwazvo yenguva dzakaomesesa mumisika yepasi rose yemari.

Kudzivirirwa uye kuchengetedzwa kwepamusoro-chikamu

Zvisinei nekutenda kwese kwechikamu chakanaka chevashambadzi vadiki nepakati, aya maitiro anogona kuwanikwa, anozivikanwa semabhangi e piggy, mumusika wemasheya. Mune ino kesi, nekuti ivo vanotendera kugadzirwa kweyakagadzikana mari yekuchengetedza bhegi kune anotevera makore, uye nenjodzi diki mukushanda. Nekuti wakanyorwa vanobva kumabhizinesi anowanzoitika izvo zvinowanzo ratidza zvikwereti zvishoma uye pachinzvimbo kuvandudzwa kwemhedzisiro yebhizinesi. Mumakirasi zvikamu senge, semuenzaniso, mota, magetsi kana chikafu. Iko chikamu chakanaka chemari yemanejimendi chinopinda munguva dzakaipisisa mumisika yemari.

Nepo kune rimwe divi, ivo zvakare vanopa yakanaka yemadividhi goho, ine chimbadzo chiyero chiri pakati pe5% uye 7%. Kuburikidza nemari yakatarwa uye yakavimbiswa gore rega rega kuburikidza nehurongwa hwakasiyana hwekubhadhara zvichienderana nekambani imwe neimwe. Ichi ichokwadi chinokonzeresa zvakanyatso tsanangurwa chimiro chemushambadzi kuti agadzirise kwavari: masaver, vanozvidzivirira vashandisi uye pamusoro pechose chishuwo chekuchengetedza capital pane zvimwe zvinangwa zvekuda. Nekugadzira portfolio yemari yakatarwa mukati meiyo kusiana, chero chii chinoitika mumisika yezvemari kunyangwe panguva dzakaomarara pane zvaunofarira.

Zvakachengeteka nyika zvisungo

Mukati meichi chigadzirwa chemari, zvakafanira kuti uve wakasarudzika kuitira kuti uve nemhando yakachengeteka yekudyara. Mukati meboka iri, chikumbiro chakanakisa chinoitwa nezvisungo zve Germany neUnited States inova ndiyo inomiririra hupfumi hwakavimbika uye hwakachengetedzeka muhurongwa hwenyika dzese. Nekuwana iyo coupon premium iyo inogona kusvika pamatanho padyo ne2%. Ndokunge, haina kunyanyisa kukwirira, asi zvirinani inodzokororwa pamusoro pemakore, zvinova ndizvo zvinonyanya kufarira vanozvidzivirira vadiki nepakati varimi. Kushanda sedziviriro munguva dzakaomesesa mukudyara kwevanhu.

Kune rimwe divi, zvisungo zveGerman neUnited States chigadzirwa icho chinotengeswa nemhando dzakasiyana siyana dzinopihwa nemasangano emari. Zvekuti nenzira iyi, vashandisi havana kana dambudziko rekumisa yavo yekuhaya kubva zvino zvichienda mberi. Kuve chakakosha chikamu chinofanirwa kuve mune chero hupfumi hwekudyara hwakakosha munyu uye nechinangwa chekugadzira bhegi rekuchengetedza gore rimwe nerimwe. Hazvishamise kuti ichi chigadzirwa chemari chine nguva yakareba yekugara kupfuura mune zvimwe zvirevo. Nemavhareji mazwi ayo oscillate pakati pemakore gumi nemaviri kusvika gumi nemaviri.

Maakaundi anobhadhara zvakanyanya

Muzviitiko zvakanyanya, iyi sarudzo inogona kumiririra mhinduro inoshanda kune vazhinji vevaponesi venyika yedu. Chokwadi ichi ndechekuti haidi chero mamiriro kuwana iwo wakanyanya kunaka mubairo kune vanobata ichi chigadzirwa chemari. Zvirinani sekureba sekusimudzira uko masangano echikwereti anga achivandudza kusimudzira masevhisi avo emari achienderera. Pasina iko kudikanwa kwekuisa imwechete euro mune chero modhi mune yakazvimirira investa. Kuve sarudzo ino saver yechero chimiro chavanayo panguva ino.

Maakaundi epamubhadharo epamusoro anopa chiyero chemari inotangira pakati pe1,50% uye 2,50%, zvinoenderana nezvakataurwa nesangano rega rega rezvemari. Kuburikidza nemabhadhariro anogona kuita makota matatu, semi-egore kana egore uye anoenda kuaccount account yevaridzi pane inowanzoitika. Nepo kune rumwe rutivi, hazvigone kukanganwika kuti aya maakaundi anobhadhara zvakanyanya anoda hushoma bhalansi uye kuti dzimwe nguva inonetsa kwazvo. Nekufanirwa kupa inopfuura zviuru gumi zveeuros kuvhura account yeaya maitiro. Kunyangwe kune rimwe divi, iyo isingabhadharwe kubva kumakomisheni uye zvimwe zvinoshandiswa mukutungamira kwayo kana kugadzirisa. Nechibereko chakawanda chepamusoro pane icho chinopihwa nezvigadzirwa zvemari zvinotorwa kubva mumisika yakamisirwa yemari uye izvo zvinongopa kufarira kune kwakatenderedza 10.000% panguva ino.

Mari nemari inodzoka pane capital

Imwe yemaitiro atinogona kusarudza ndeyemari nekudzoka pamari senzira yekuwana chimbadzo chemwedzi wega wega. Kunyangwe muchiitiko ichi, kuvhiya uku hakuna inshuwarisi uye kune rimwe divi kunotakura imwe njodzi kudarika mamwe mamodheru atakataura muchinyorwa chino. Nekuti idzi mari dzekudyidzana dzine chimiro chakadzikama kupfuura mamwe ese uye anokwanisa kushandira kunyangwe mamiriro akashata kwazvo emisika yemari, zvese zvemari uye mari yakatarwa. Uye zvakare, hazvigone kukanganwika kuti ivo vanokodzera kwazvo kune varimari vanoshuvira kuchengetedza mari yavo pamusoro pezvekufunga kwakanyanya.

Nepo pakupedzisira, chikamu chakanaka cheiyi mari yekudyara chine mugove wedividhiyo gore rega. Nebatsiro iri pamatanho pakati pe2% ne5%ndiko kuti, kudzikira pavhareji pane izvo zvinopihwa mukutenga nekutengesa masheya pamusika wemasheya. Asi chero zvazviri, ivo vanobatsira kuchengetedza kushomeka kupfuura zvimwe zvese nekuti gore rega rega kune mupiro kuaccount account yevanobata.

Kuva muenzaniso uyo unowanzoitika mune mari yekudyara kubva kumaneja epasi rose kukuvadza nyika. Pasina chero kuwedzera mumakomisheni ayo ako ekuhaya anosanganisira kubva panguva ino zvichienda mberi. Asi mune zvese zviitiko ivo vanogona kutariswa sechikamu chemidziyo yebhangi yenguruve mumisika yemari. Seimwe nzira kuitira kuti vashandisi vaise mari yavo yaive ichizoshandiswa kune zvimwe zvigadzirwa zvemari.


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako