Bankinter yazivisa kuvhurwa kwechipo chitsva chezvirongwa zvepenjeni zvichibva pamari dzekutengesa (Tengesa Mari Inotengeswa kana ETF's, yezita rayo muChirungu) kuburikidza naPopcoin, maneja wako wekudyara wedhijitari. Neiyi nzira, iro bhangi rinova iro rekutanga Spanish chikamu chekuisa iyi mhando yebasa kuburikidza nerobo chipangamazano. Sezvakaita mari yekudyara yaPopcoin, zvirongwa zvemudyandigere zvemaneja uyu zvinogona kupihwa chibvumirano nevashambadzi vasiri vatengi vebhangi uye zvakare kuisa mari kubva makumi matatu euros.
Aya marongero epenjeni anosimbisa izvo zviripo zvePopcoin, izvo zvaive zvatove zvakakwana uye zvakasiyana mumusika weva robadvisors. Asi, pamusoro pezvo, vanowedzera huwandu hwazvino hweBankinter masevhisi, ayo ave nezvirongwa zvepenjeni zvichibva pa ETF's, iyo ichapawo kune vatengi vayo kuburikidza nemaneja wayo wedhijitari. Iyo inyowani modhi sezvo ichibatanidzwa kune chigadzirwa seicho chakanangana nemari yekutsinhana-yakatengeswa.
Imwe yehunhu hweiyi kirasi yezvigadzirwa ndeye kuburikidza nekaviri track. Kune rimwe divi, ichapa kwenguva yekutanga zvirongwa zvepenjeni izvo zvinoisa mari mukutsinhana-kutengeserana mari (ETF's) kuburikidza neayo otomatiki maneja. Ndichiri kune rimwe divi, Popcoin achapa mubairo wepenjeni chirongwa chinowedzeredzwa neimwe 2,5% yemadhora anodarika zviuru zvishanu kusvika muna Chikunguru 31 anotevera. Kuve imwe yedzimwe nzira dzekuti ugadzire yakachengetedza kana kushomeka mari yekuchengetera yepakati nepakati. Kubva pane yakasarudzika maonero ekudyara achienzaniswa nemamwe emhando dzakawanda.
Zvimwe zvinoshanduka zvirongwa zvepenjeni
Vavaki vemari vachange vaine marongedzero matatu epenjeni emaprofaili matatu ane njodzi, aine mashoma kana akakurisa kuenzanirana, uye iwo ese epasi pachiyero, ndiko kuti, vanogona kudyara muzvinhu kubva pasirese pasirese. Aya ndiwo marongero anotevera:
- Global popcoin inochengetedza: nekuratidzwa kunosvika makumi maviri neshanu muzana muhuwandu hwenyika (stock).
- Global popcoin zvine mwero: ine huremu hwepasi rose huremu hwepakati pe30% uye huwandu hwe50%.
- Global popcoin zvine simba: nemari dzekudyidzana munzvimbo dzekudyidzana kwepasirese ine hushoma hwe30% uye inosvika kusvika pa75% yehuwandu.
Imwe yemipiro yayo ndeyekuti ichazopa varidzi vayo imwezve 2,5% bhonasi pakutamisirwa kwezvirongwa zvepenjeni pamusoro pe5.000 euros, nemamiriro ezvinhu ekuti mari ichave nenguva yekusingaperi yemakore mashanu.
Iine purofiti inosvika 3%
Kune rimwe divi, mukufamba kwenguva, iyo Individual System Pension Plans inonyora avhareji purofiti yegore (net yemari uye makomisheni) ye3,48% uye, mune yepakati term (5 uye 10 makore), ipa purofiti ye1,34% uye 3,11%, zvichiteerana, sezvakaratidzwa neAssociation of Collective Investment Institutions uye Pension Funds (Inverco).
Iko kunofungidzirwa huwandu hwezvipo uye mabhenefiti mumwedzi ichangopfuura ichave iri: mipiro yakazara ye204,4 mamirioni euros uye mabhenefiti akakomba e203,0 mamirioni euros, ayo huwandu hwezvipo zvemambure pamwedzi hwaizosvika 1,4 mamirioni euros. Mukugadzirira izvi zviverengero, muenzaniso we1.077 XNUMX Zvirongwa zvePension zveIndividual System zvinosanganisirwa, izvo inomiririra kwakatenderedza 99% yemidziyo yayo, ndiko kuti, 74.726 mamirioni euros uye 7,50 mamirioni evaridzi vemasheya.
Nei chirongwa chepenjeni?
Chimwe chezvikonzero zvekumisikidza chero cheizvi zvigadzirwa zvemari zvinokonzerwa nenyaya yekuvandudza simba rekutenga panguva yekurega basa. Panguva iyo paakati nepenjeni muSpain gore rino yakawedzera ne5,7%. Kusvika padanho rekusvika avhareji mazinga einotenderedza 985 euros, zvinoenderana nedhata rakapihwa neBazi rezveVashandi. Semhedzisiro yematanho aya muvanhu mapensheni, zvirongwa zvepenjeni zvinova chishandiso chekuvandudza iyi mihoro.
Nekudaro, kuti chiyero ichi chishande zvakanyanya, zvinokurudzirwa kuti kondirakiti yechigadzirwa chemari ichi hachiitwe zviri pamutemo makore mashoma pasati pasvika pamudyandigere. Kana zvisiri, pane kudaro, zvinokurudzirwa kuronga kuita uku makore anoverengeka pamberi. Kuburikidza nemipiro yemari gore rega uye zvichibva pamari chaiye yevanobata. Saka kuti vagone kuwedzera mari kubva pazera remakore makumi matanhatu nematanhatu, rinova zera rekurega basa kubva pagore ra67. Kubudikidza nenzira dzakasiyana dzinogona kubva pamari yakatarwa, mari inoshanduka kana kunyange kubva kune dzimwe nzira dzekudyara.
Izvo zvinovimbisa hushoma purofiti?
Chimwe chezvinhu izvo vazhinji vevashambadzi vadiki nepakati vanoona ndechekuti marongero epenjeni kuvimbisa kushoma purofiti. Huye, mhinduro ndeyekuti, nekuti zvinoenderana nekushanduka kwemisika yemari, zvese muzvikamu uye nemari yakatarwa. Iko kune njodzi dzakanyanya kukwirira mune yekutanga yadzo. Kunyangwe zvakadaro, zvinoenderana nemamiriro ezvehupfumi uye misika yezvemari pachavo. Uye izvo mumakore achangopfuura zvakagadzira kudzikira mavari, nekutya kwakanyanya kwezvingaitika pamisika yemabhizimusi epasi rose.
Pane nzira imwe chete yekugadzirisa iyi dambudziko rekuwana uye ndiko kumisikidzwa kwechirongwa chepenjeni chinopa kudzoka kwakachengetedzwa. Kunyangwe iine madiki epakati epakati, pakati pe1% uye 2,30% gore rega uye chero chii chinoitika mumisika yemari. Nepo kune rimwe divi, kudonha mukirasi ino yechigadzirwa kwakakanganisa misoro yavo kuve nayo kuva anochengetedza zvakanyanya panguva yekusarudza ichi chigadzirwa chemari.
Dzimwe sarudzo dzepenjeni
Imwe mhinduro inogona kusarudzwa nevapenji veSpain ndeyekushandisa chigadzirwa chakakurumbira pakati pevatengesi semari inowirirana. Asi nekusagadzikana kukuru kuti chimwe chigadzirwa chemari chisingavimbise chero kudzoka pagore. Kana zvisiri, pane kudaro, zvinoenderanawo neicho icho shanduko yemisika dzakasiyana dzemari. Asi kubva kwaunogona kugadzira yakagadzika yekuchengetedza bhegi yepakati nepakati yakareba. Zvichienderana neprofile iyo inoratidzwa nemushandisi mukirasi ino yezvigadzirwa zvemari.
Ndichiri kune rimwe divi, sarudzo iyi inobvumidza varidzi vayo kutanga kugadzira mari yavo yekurega basa chero nguva. Iko hakuna miganhu pachinhu ichi uye zvakare zvinokutendera iwe kuti ugovane mipiro yemari yaunoda iwe pachako. Pamwe pasi pezvishoma kwazvo kana ne zvirokwazvo kuda mipiro kuti usvike zviri nani makore egoridhe muhupenyu hwako. Iko kwaunogona kusarudza pakati pekudyara mari zvichibva pane zvinoshanduka, zvakamisikidzwa, mari yakavhenganiswa kana kunyangwe kubva kune mamwe mafomati kuitira kuti iwe ugone kusimudzira marimendi epakati kubva panguva dzino chaidzo.
Mari purofiti
Nezve ichi chikamu, zvinogona kutaurwa kuti kufarira kwainopa kune varidzi vayo kwakaderera mumwedzi ichangopfuura. Mune ino pfungwa, uye nekuda kweiyo kusagadzikana kwekutengeserana, kusagadzikana uye njodzi yekuvenga zvave zviripo mumisika yemari mukati memwedzi waMay. Nekudaro, iwo makuru emusika wemasheya indices ichavhara iyo nguva nekurasikirwa zvichienzaniswa nekupera kwaApril, kunyangwe ivo vachiramba vachiunganidza kudzoka kwakanaka kusvika parizvino muna 2019.
Kune rimwe divi, iko kusanzwisisika kwakakwirira kwemisika yemari kwakonzera kuwedzera kwakasimba mu kudiwa kwechikwereti cheveruzhinji, pamwe nekudzokororwa kwakatevera kwezvisungo zvehumambo. IRR yechiGerman yemakore gumi chisungo yakawira kusvika -10% kubva pa0,20% munaKubvumbi uye goho rechisungo cheSpain-gore gumi rakaderera kusvika munhoroondo yakadzika ye0,03% (10% mukupera kwemwedzi wapfuura). Iko kupi mari yepanjodzi muSpain yadonha kusvika makumi mapfumbamwe nemapfumbamwe poindi.
Kusiyanisa pakati pezvakasiyana nezvakagadziriswa
Nemaonero akakosha pakati peimwe kana imwe modhi yekudyara. Sezvo kunyangwe isina kunaka purofiti yemwedzi waMay, Equity zvikamu ndidzo dzinounganidza kudzoka kwepamusoro Nekudaro, semuenzaniso, US equities uye iri kubuda mari inounganidza kudzoka kwe2019% uye 9,6% kusvika parizvino gore rino, zvichiteerana. Nekudaro, iyo mari yekudyara ine yakanyanya kunyoreswa kunyoreswa yaive yakamisikidzwa mari yemari (kunyanya pfupi-yenguva pfupi yakamisirwa mari) nemari yemari ine 8,5 uye 879 mamirioni euros, zvichiteerana. Uye zvakare, iwo ndiwo mapoka anounganidza akakwirisa mambure anopinda mu166 ne2019 uye 2.182 mamirioni euros, zvichiteerana.
Mune maitiro anogona kuenderera mberi mumwedzi iri kuuya kana kunyangwe kukosheswa nekudonha kwakasimba uye izvo zvinogona kukuvadza zvido zvevashambadzi vadiki nepakati. Kunyangwe zvichizotenderera pane zvinogona kuitika kumitero yemitero, zvese kune rumwe rutivi rweAtlantic uye imwe, kune rumwe rutivi, kusava nechokwadi kwakakwirira kwemisika yemakero kwakonzera kuwedzera kwakasimba mu kudiwa kwechikwereti cheveruzhinji, pamwe nekudzokororwa kwakatevera kwezvisungo zvehumambo. IRR yechiGerman yemakore gumi chisungo yakawira kusvika -10% kubva pa0,20% munaKubvumbi uye goho rechisungo cheSpain-gore gumi rakaderera kusvika munhoroondo yakadzika ye0,03% (10% mukupera kwemwedzi wapfuura).