Iwe unonyatso kuziva iyo mari yekudyara iwe yaunobhadhara?

investments

Mari yekudyara ndeimwe yezvigadzirwa zvinosarudzwa kune vashandisi vemari. Kureruka kwavo kunyoresa ivo kwakabatana pane ino chiitiko ne hombe mari yakaitwa nemakambani manejimendi. Pakati pezvakakurumbira ndezvemari inoshanduka, yakatarwa, yemari, yakavimbiswa kana imwe mari, pakati pezvimwe zvakakosha. Iine dhinomineta mune vese uye izvo ndezvekuti chikamu chemari dzinoverengeka dzemari dzinoumba mari yako yekudyara.

Mari yekudyara, uye kunyangwe paine kusagadzikana kukuru kwakaratidza misika yezvemari muna Gumiguru, yakaratidza a zvakapfava kana zvishoma zvakashata maitiro maererano nekuyerera, uye ivo havana kuwana ruzivo rwekubhadhara mumambure emamirioni makumi mana nemakumi masere nemaviri panguva ino yakaongororwa. Kukwirira kushomeka mumisika yemari kwakaratidza hunhu hwepasi rose misika munaGumiguru, nemwedzi-ne-mwedzi kuderera mune ese ari maviri epamberi uye ari kusimukira hupfumi. Nekudaro, semuenzaniso, mabenchmark indices senge IBEX 493, iyo S&P 35 kana iyo Nikkei inovhara mwedzi nekugadzirisa kwe500%, 5% uye 7%, zvichiteerana.

Hunhu hwekutengesa misika yepasi rose hwakagadzirisa shanduko yemidziyo yezvikamu zvakasiyana zveInvestment Funds. Muchokwadi, chikamu chine yepamusoro soro kuderera muhuwandu yemidziyo yanga iri yeInternational Variable Income, iyo kunyangwe ichiona kunyoreswa kwakanyanya mumwedzi, yakaderedza midziyo yayo nemadhora anodarika 1.252 emamiriyoni. Chero zvazvingaitika, chikamu ichi chinoramba chichirekodha kumwe kwekuwedzera kukuru mu equity muna2018 zvachose (9,7% kupfuura pakupera kwegore).

Mari: makiyi ekuvaziva

key

Iri kirasi rezvakakurumbira zvigadzirwa zvemari zvakatungamira kune dzakawanda nguva dzausingazive mukukosha kwese nezve izvo zvauri kusaina. Izvi chero zvodii haufanire kuzviita nekuti danda rakakwirira uye chero kukanganisa musarudzo kunogona kukudyira mari yakawanda kubva zvino zvichienda mberi. Kana iwe usina zano rakawanda rekuti ndeipi mari yekudyara chii chimwe chauri kufarira kuisa mari Zvichava zvirinani kuzviisa iwe mumawoko eanachipangamazano wezano kuti uone ichi chiito. Hazvishamise kuti, kumwe kwekukanganisa kwechikamu chakanaka chevashambadziri ndechekuti havazive iyi mhando yezvinhu zvakakosha zvigadzirwa.

Muchirevo chechinyorwa chino, kuverenga bhurocha remari yaunodyara mari yako ichave iri nhanho yakakodzera kwazvo yauri kutora parizvino kugadzirisa kushomeka kwakakosha uku. Nenzira iyi, iwe unozoziva nguva dzese kuti mari yemari urikuisa mari uye ndeipi nzira yekudyara inoitwa nemaneja avo pakupedzisira. Nekuti iwe unofanirwa kuziva kuti mari yekudyara yega yega yakasiyana. Hapana maviri akafanana uye izvi zvinoita kuti sarudzo yako ive yakaoma kunzwisisa. Semumakomisheni anoshanda kwauri kubva panguva chaiyo yekuhaya kwavo.

Ziva kwayakatangira uye dhizaini

Iyi ndiyo imwe yemiparamende yaunofanirwa kuongorora kana uchitsvaga chero mari yekudyara. Iwe unoziva izvo zvakanaka zverudzi urwu rwekudyara? Iwe unoziva here muhomwe yako yawakaisa mari yakawanda kwazvo? ndeimwe yemibvunzo iwe yaunofanirwa kuzvibvunza kubva ikozvino zvichienda kune yako ruzivo rwakakwana uye pamusoro pezvimwe zvehunyanzvi kufunga. Uye kuchine huwandu hukuru hwevatengesi avo ivo havazive chikamu cheruzivo Zvakakosha pakuisa mari mumhando iyi yemotokari yekuchengetedza. Kubva ikozvino zvichienda mberi haufanire kunge uri chikamu cheiyi mbiri mune vashandisi.

Ndiani anotarisira zvinhu zvako? Imwe nzira yaunofanirwa kuita usati wahaya. Kwete pasina, zvinokupa iyo isinganzwisisike pfungwa nezve homwe yekudyara iwe yauchazonyorera uye kunyangwe kana zvakakodzera kune hunhu hwako chaihwo sewe investor zvauri. Pane kupokana, kana ruzhinji rwemhinduro kumibvunzo iyi riri rechokwadi, chichava chiratidzo chakanakisa chekuti zvese zviri kufamba musheya iwe uchangobva kugadzira. Iwe zvakare uchave uine chivimbo nezve sevhisi iyo ichi chemari chigadzirwa chinogona kukupa iwe panguva dzese dzehupenyu hwako.

Ichokwadi chemari

Mune imwe tsinga, haugone kukanganwa kuti huwandu hwemaakaundi anotora chikamu mumari yekudyara akavhara Nyamavhuvhu pamazana matatu mazana matatu negumi nemakumi matatu nesere. Iwo angangoita mazana maviri emazana maakaundi pasi peiyo nhoroondo yepamusoro yakazosvika muna Chikumi apfuura. Iyo chinzvimbo chekuwedzera kwakaunganidzwa munguva ino yakaongororwa ichiri kutungamirwa nemari yepasirese, iyo, kunyangwe kudzikiswa kwakaitika muna Gumiguru, yakawedzera kukura kweanopfuura 11.318.000% yegore ra200.000 rese. yakavimbiswa uye mari Ndidzo dzakakura zvakanyanya muna Gumiguru, iine makumi maviri nemakumi mashanu nemaviri emamiriyoni euros, zvichiteerana.

Izvi zvinokupa iwe irinani zano rezvechigadzirwa chemari zvichave zviri patafura. Kune rimwe divi, zvakare inokuzivisa iwe nezve iyo makomisheni uye zvimwe zvinoshandiswa mukutungamira zvauchazotarisana nazvo. Ramba uchifunga kuti kusiyana nemamwe mamodheru ekudyara, mune mari iwe unogona kuwana akawanda makomisheni emhando dzakasiyana. Chinhu chauchazofanira kugara nacho kana iwe uri wenguva dzose investor mune ino mhando yezvigadzirwa zvemari. Hazvishamisi kuti ndeimwe yehunhu hwayo hunokosheswa, sezvo iwe uchizokwanisa kuongorora kubva zvino zvichienda mberi.

Ndezvipi zvako zvemari?

assets

Ehe, iwe haufanire kuhaya mari yekudyara nekuda kwekuti, asi zvinopesana, iwe uchafanirwa kuziva kuumbwa kwayo. Kunyanya, iyo midziyo yemari iyo inosanganisirwa uye mune ipi muzana kuitira kuti nenzira iyi iwe ugone zvakare tevera shanduko yavo nguva dzose mumisika yemari. Kana zvichikwanisika, ivo vanofanirwa kuve vanoshanda neavo vaunoziva sezvo iri iri zano rakanakisa rekudzivirira kusagadzikana kweapo neapo kubva zvino zvichienda mberi. Kune rimwe divi, kana iwe uine kusahadzika kwauinako, iwe unenge usina imwe mhinduro kunze kwekuenda kusangano uko iwe wakanyorera homwe yekudyara kuti ujekese nekugutsikana kwakazara.

Chimwe chinhu chekutarisa mune ichi chemari chigadzirwa ndicho icho chine chekuita nemari yekudyara, inova yakaoma uye saka inoda a rumwe ruzivo kune yako chikamu. Mupfungwa iyi, hazvisi nyore kuti iwe utsvage zvigadzirwa zvisingazive mashandiro azvo, ndoda kuti zvigone kuburitsa zvakashata zvakanyanya kana pasi pekupedzisira rikasazvibata sezvawaitarisira kubva pakutanga. Usatya kukumbira rumwe ruzivo kubva kubhangi rako kana chinzvimbo kwawakagadzika iko kuita.

Izvo hazvisi indexed zvigadzirwa

Chimwe chinhu chaunofanirwa kuchengeta mundangariro kubva zvino zvichienda mberi ndechekuti mari yekudyara kazhinji haina kunyoreswa. Izvi zvinoita kana vari yakabatana ne index indexsemuenzaniso, ivo havazviteedzere chaizvo uye izvi zvinokuita kuti unetseke mukutevera kwavo. Kutarisa kuti haina kunyorwa nenzira yakafanana neiyo indekisi iyo homwe yemari inosunganidzwa. Kana iwe usiri kuda kuve nedambudziko iri, unenge usina imwe sarudzo kunze kwekunyorera homwe yekudyara iyo yakanyorwa mune zvakasikwa.

Uku ndiko kumwe kwekukanganisa kukuru kunoitwa nevashambadzi vadiki nepakati uye zvinoitika kuti pavanoona kukosha kwehomwe yavo yekudyara haina kufanana neyavakange varonga. Neichi chikonzero chaicho zvinokurudzirwa kwazvo kuti usatombotarisa kubatana kwavo, asi zvinopesana, enda kune yakananga sosi, iyo mune ino kesi haisi imwe kunze kwekudyara mari pachayo. Saka kuti nenzira iyi usazove nematambudziko erudzi urwu zvakare uye izvo zvinokwanisa kukutadzisa kuziva chiyero chawakaisa mari nguva dzose.

Zvishoma nemakomisheni

commissions

Kune rimwe divi, iwe unofanirwa zvakare kucherechedza kuti mune imwe mari yekudyara mari inogona kuitika iwe muhomwe yekudyara yawakabata inogona kugadziriswa nemakomisheni ayo erudzi urwu rwezvigadzirwa zvemari zvinosanganisira. Mupfungwa iyi, iwe unofanirwa kuziva kuti ndeapi makomisheni ayo aanobatanidza uye muzana yawo kuitira kuti ivo vave yakabviswa kubva purofiti yechigadzirwa ichi. Hazvishamisi kuti kune makomisheni anogona kutosvika pamatanho akakomberedza 2%. Kusvika padanho rekuti ivo vanogona "kudya" chikamu chikuru chemari inowanikwa yakaunganidzwa kusvika panguva iyoyo.

Iwo makomisheni anogona kuve mazhinji uye ane akasiyana masikirwo uye kwete ese anoiswa nenzira imwecheteyo sezvaungave uchitoziva nezvazvino. Izvi zvinoreva kuti iwe unofanirwa kuve wakangwarira neichi chikamu chekuti kune rimwe divi hauzombozvitsvaga nekutenga nekutengesa masheya mumusika wemasheya. Muchinhu ichi, hazviite kuti mari yekudyara inyaya yakaoma kunzwisisa chigadzirwa, asi isu tinosimbirira pane izvi chete. Mune yasara haipe zvakanyanya kunetsa kushanda navo sezvo ivo vakaitwa pasi peyakajeka zano mune ayo makanika uye chimiro.

Asi mune zvese zviitiko iwe unofanirwa kuve wakangwarira navo kuitira kuti mukupedzisira maitiro ese anokura zvinoenderana nezvaunotarisira kubva kune izvi zvigadzirwa zvemari zvakakurumbira pakati pevatengesi.


Iva wekutanga kutaura

Siya yako yekutaura

Your kero e havazobvumirwi ichibudiswa. Raida minda anozivikanwa ne *

*

*

  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