Zvichida vatengesi vazhinji havazive kuti mari yekudyara inogona kuisimbisa mune imwe mari isiri iyo euro. Aya mashandiro anoitika pamusoro pezvose mu US dhora, asi kwete chete. Nekuti zvirokwazvo, ivo vanogamuchirwa muSwiss francs, maNorway korona kana kunyangwe maJapan yen. Asi zvine hungwaru kuongorora kana mhando idzi dzekufamba mumisika yemari dzinogona kubatsira mune zvadzo mhedzisiro. Nechinangwa chekuwedzera kubatsirwa kweichi chigadzirwa chemari, chero chinhu chemari icho chavakateedzera.
Mari yekudyara yakavakirwa pamari dzisiri iyo euro ndiyo imwe nzira inowanikwa kune vashoma nevapakati varimi. Zvichienderana nekuti iyo shanduko yezvinhu zvemari izvi chero nguva yegore. Kunyangwe iri zano rekudyara rine njodzi huru mukuhaya kwayo. Kusvika padanho rekuti zvinogona kuitika kuti ivo havana mari shoma pane avo vanobatanidzwa neeuro. Chero zvazvingaitika, chisarudzo icho vatyairi vacho chavanofanira kuita. Saka kuti pakupedzisira iwe ugone kuona misiyano yakakomba pakati pemamwe mamodheru nevamwe.
Kune rimwe divi, ivo varipo munzira dzese mumari yekudyara. Kubva pane izvo zvinoenderana nemisika yemari kune yakamisirwa mari kana kunyangwe kubva pamari sarudzo kana dzimwe nzira. Mupfungwa iyi, zvakakodzera kujekesa chokwadi chekuti idzi dzakakosha mari yekudyara haina kutanga yarangwa nayo makomisheni anorema kupfuura kubva kune echinyakare kana echinyakare mamodheru. Nekuti icho chikamu chisingakanganise chimiro cheiyi kirasi yezvigadzirwa zvekudyara. Mune chii chinozivikanwa cheiyi kirasi yemari yakasarudzika.
Mari yemari: zvakwakanakira
Chekutanga pane zvese, tichaongorora mamwe mabhenefiti anowanikwa nekutenga mari dzekudyara idzi. Iko kwainogona kubvumidza purofiti inogamuchirwa nevaridzi vayo kuve yakakwira nekuda kwekuita zvirinani zvine chekuita nemari imwechete yeEurope. Nenzira iyi, inowanikwa kune kunatsiridza marimendi epakati dzinogona kuwedzerwa, kunyangwe zvisingaite nenzira inoshamisa. Kana zvisiri, pane kudaro, inogona kuve inosvika kune imwechete kana maviri muzana mapoinzi. Chimwe chinhu chinofanira kutariswa ndechekuti shanduko iyi haisi yenguva dzose, asi chete pane hwaro chaihwo.
Nepo kune rimwe divi, mari yekudyara yakavakirwa pamari dzisiri iyo euro dzinoonekwa pamusoro pezvese nekuwanika kwavo kukuru monetize mari kubva panguva dzino chaidzo. Mune izvo zvinoumbwa sekutsinhana kwekuchengetedza mune yepakati uye kunyanya kwenguva refu uye kusiyana nekutenga uye kutengeswa kwemasheya pamusika wemasheya uyo unotongwa neakasiyana maitiro. Mune izvo zvinoratidzwa se zano iro vashoma nevapakati varimi vanogona kusarudza kubva zvino zvichienda mberi.
Ngozi mune aya mashandiro
Iyi nzira yekudyara, kune rumwe rutivi, inochengetedza inogara isinganyanye kune zvido zvevabati veichi chigadzirwa chemari. Izvo zvinofanirwa kucherechedzwa kuti mupfungwa iyi kuti mari yemhando idzi inosiyaniswa nenjodzi yavo huru mukuvhiya kwakatorwa. Nekuti ivo vanokwanisa, nekuda kwezvikonzero zvakafanana, kurasikirwa nemimwe miganho pane yavo yekutanga purofiti uye izvo zvinogona kutungamira kune idzi mari yekudyara kuve isinganakidze kubhadharwa kubva zvino zvichienda mberi. Iine equation pakati pekubatsira uye njodzi yakakura kupfuura mune mari inofungidzirwa setsika muchimiro chavo. Zvimwechetezvo, zvese zvinoenderana nemari yavakanyoresa nekuti inogona kukanganisa muripo wavo wenguva yemberi. Nekuti chimwe chezvigadzirwa izvi zvakatengwa nemadhora ekuUS hazvina kufanana nemakorona eNorway.
Nepo kune rimwe divi, ivo havawanzo kuita -refu-refu yakanyoreswa sezvo iwe uchigona kutungamira kune anopfuura kamwe chete kushamisika kwakashata uko kunogona kukutungamira kuti uderedze kukosha chaiko kwavo. Saizvozvo, zvakafanira kusimbisa chokwadi chekuti mashandiro anofanira kupedziswa munguva ipfupi yenguva. Kuti udzivise mamiriro asingadiwe pachikamu chevashambadzi vadiki nepakati vanogona kubuda muzviitiko zvisina kunaka kumisika yezvemari, zvese kubva kumari uye mari yakatarwa. Nekuderera kwakanyanya pakukoshesa kweseji uye kuti pakupedzisira zvinogona kukukonzera imwe dambudziko remari.
Kuchengetedzwa kwemari
Chero zvazvingaitika, pane zano rekugadzirisa izvi zvinogona kuitika matambudziko emari uye kudyara kwehunhu uye izvo hazvisi zvimwe kunze kwekuzvinyorera ne mari yekudzivirira chikamu. Zvekuti nenzira iyi iwe uri muchinzvimbo chekuzvidzivirira kubva kuchinjika zvinowanzoitika mumisika yemari. Kune rimwe divi, zvakafanira zvakare kuti utarise kubva zvino zvichienda mberi kuti zvakafanira kuti kufamba uku kudzorwe kubva mukugadzwa kwavo kuti vadzivise mamiriro anogona kukonzeresa matambudziko akasiyanasiyana mune chirevo chemari yemari yako.
Kune rimwe divi, uye zvine chekuita nekurapwa kwemisika yemari, zvinofanirwa kucherechedzwa kuti kurapwa kwemarau akapihwa kuburikidza nemasevhisi anoshanda neaya mare emari haana kusiyana neakagamuchirwa nechero imwe hurongwa, uchiita mukuverenga. yemari inowanikwa kubva mukutengesa ndiyo inonzi "FIFO" nzira, ndiko kuti, inofungidzirwa kuti mari ine zuva rekutora Iyo ndeyekare zvisinei neaccount yazvino uye chinzvimbo mune iyo mutengi ine mari yakaiswa. Chaizvoizvo, nzira iyi yakavakirwa pachinhu chekuti chinhu chekutanga mukati, ndicho chinhu chekutanga kubuda, nekudaro kuongororwa kwayo kunoenderana neicho chokwadi pamusika, nekuti inoshandisa kukosha kunoenderana nemari yazvino.
Nepo kune rimwe divi, ivo vachapa kusimudzira kuunganidzwa kweakakosha manejimendi makomisheni mune yakatarwa kesi iyo yezvemari institution inomanikidzwa kuita panzvimbo yemutengi kuti avhare nzvimbo dzinoramba dzakavhurika pakupera kwechikamu chega chega, chinova kazhinji kubva kunosvika makumi maviri kusvika makumi mana emadhora pamwe neimwe muzana pamari yakadyarwa. Saizvozvowo, vanogona kumiswa kwenguva pfupi kana mamiriro emusika kana chinzvimbo chakavhurika chepasirese vachikurudzira vamiriri vezvemari. Sezvo zvavanoda kugara vachiongorora nzvimbo yavo yakavhurika uye nekushingairira chiito kutora mari kana, pazvinenge zvakakodzera, kudzora kurasikirwa nekuvhara chinzvimbo.
Nzira yekuvandudza mafambiro?
Zvichienderana nekuchinja kuri kutarisirwa kweimwe mari, inogona kutengwa kana kutengeswa kuti iite basa rekudzokorodza nemutengo wakaderera kana wepamusoro zvakateerana, nekuda kwekuti mhindu huru inogona kuwanikwa kuburikidza nekuita uku, kunyangwe shanduko isina kunaka inogona zvakare kutakura kurasikirwa kukuru. Panjodzi yekuti kunyange kurasikirwa nemari mune mashandiro akaitwa pasi peiri zano mune yekudyara zvakadaro hunhu.
Zvimwe zvinhu zvinobvumidza kushanda mumusika uyu munguva chaiyo, kuisa pakati pe1% ne5% yevimbiso, iyo inowedzera kunyange kushanduka uye nekukurumidza kune iyo mari. Sezvo nemusika wemari, maodha anogona zvakare kushandiswa pano Mira kumisa kurasikirwa kana kuunganidza purofiti, chinova chinhu chakanakisa chishandiso pane zvido zvemusimari mudiki.
Mari purofiti
Tarisiro iripo mumisika yezvemari yaita kuti zvikwanisike kuchengetedza kumusoro kwemwedzi yapfuura zvakajairika mumisika yepasi rose. Ibex yakakura 1,0% uye mimwe misika yeEurope yakanyoresa kuwedzera kwakakwira. IAmerican stock market yakamira, ine chiratidzo chekuenzanisa S & P500 inokosheswa 3,4%. Mune yakatarwa misika yemari, iyo IRRs yenguva refu-yeruzhinji chikwereti inodzoreredza mazinga avo muna Chikumi, uye nekudaro, semuenzaniso, iyo IRR yeSpanish-yemakore gumi bhondi inosvika 10% kubva ku0,39% mwedzi wapfuura, nepo purofiti yeiyo ChiGerman Bund yezwi rakafanana inovhara pa -0,23% zvichienzaniswa ne -0,37%, sekureva kweAssociation of Collective Investment Institutions uye Pension Funds (Inverco).
Mari yengozi muSpain inokwira kusvika 78 bps (64 bps munaGunyana). Iyo mwero wekutsinhana weeuro inopesana nedhora yakavharwa pa1,10, iyo inomiririra kuonga kwedhora richipesana neiyo euro inopfuura 1%. Muchirevo chechinyorwa ichi, iyo Investment Funds yakanyoreswa mhindu yakanaka ye2019% munaNovember 0,77, nokudaro ichiunganidza purofiti ye6,5% mumwedzi gumi nerimwe yekutanga yegore, iyo nhoroondo yezvemukati mune yakaunganidzwa kusvika zvino. Zvakare, zvikamu zveInvestment Funds izvo zvinopa mukana wakakura wekuwana mumatura zvakasangana nekudzoka kwakanaka kwehukuru hwakakura kana hudiki, kunyangwe munaNovember maUS International Equities akabuda pachena, aine goho rakatenderedza 4%, iyo yavanotoungana nayo kune yese 2019 a purofiti inopfuura makumi maviri nemana muzana mumwedzi gumi nerimwe chete. Sezvo zvavanoda kugara vachiongorora nzvimbo yavo yakavhurika uye nekushingairira chiito kutora mari kana, pazvinenge zvakakodzera, kudzora kurasikirwa nekuvhara chinzvimbo.