Iimali ezinxulunyaniswe ne-Eurostoxx zivumela umtyali-mali ukuba amele kwizabelo zaseYurophu ngaphandle kokuvezwa ngqo kwimarike yemasheya kwaye, apho kunganyanzelekanga ukuba babheje kukhuseleko oluthile. Hayi ngelize, uyakutyala imali yakho kwezona nkampani zimeleyo kwindawo ye-euro, nangona kukho isiphako sokungayiqokeleli ngokupheleleyo ingeniso enokubakho kwimarike yaseYurophu. Ukongeza kwiindleko kunye neekhomishini eziphezulu kunezo zentengiso yemasheya, ezinokuthi ngamanye amaxesha zinyuke ziye kwi-3%.
Ngokusisiseko, bahlukaniswa yimfuno yolwazi oluncinci lwemisebenzi eyenziweyo evela kutyalo-mali kwisalathiso sentengiso. akukho mngcipheko wemaliOko kukuthi, imali yayo yi-euro, njenge-Eurostoxx-50. Kwaye ngenxa yokuba ziinkampani ezidityaniswe ngokuqinileyo kwipanorama yeshishini yelizwekazi elidala.
Ubuncinci botyalo-mali ukufaka ezi mali zixhomekeka kwiimpawu zazo nganye, kodwa okwangoku kukho iimveliso Ungabhalisela izabelo zakho kwi-euro ezingama-500 kuphela. Nangona utyalo-mali luvelisa iziphumo ezinqwenelekayo ngokwenzuzo yalo kunyanzelekile ukuba wenze igalelo elinzima ngakumbi. Ngokomgaqo, ukuqala nge-5.000 euro kunye nokwenza intshukumo yale marike yezemali ibe yinzuzo ngakumbi.
I-Eurostoxx: ukwakheka
Enye yeendlela abatyali mali abancinci nabaphakathi abanazo phambi kwabo ukutyala imali yabo kwizabelo ngaphandle kokuthatha umngcipheko omkhulu kukusebenzisa imali yotyalo-mali esekwe kule index yesitokhwe. Ingakhokelela ekuzuzeni kwezona ziphumo zoqoqosho zibalaseleyo ezo uqoqosho lwaseYurophu kufuneka lubonise kulo nyaka, kwaye ngokoluvo lwabanye abahlalutyi bemarike yemasheya ngabo abaya kuguquka kakuhle kwiimarike zesitokhwe kwaye, ke ngoko, kubonisiwe kwixabiso Izabelo Stocks of Stocks zikhuselekile kuluhlu lwesalathiso esikhethiweyo saseYurophu.
Isalathiso se-Eurostoxx-50 yenziwe ngamasheya angama-50 afanelekileyo kummandla we-euro. Iinkampani ezinokufakwa kwesi salathisi zivela kula mazwe alandelayo: iOstriya, iBelgium, iFinland, iFrance, iJamani, i-Itali, iLuxembourg, iNetherlands neSpain. Ngale ndlela, ukhuseleko oludweliswe kuyo kwaye luvela kwi-Ibex-35 zezona zinto zinzima: iSantander, i-BBVA, i-Endesa, i-Iberdrola kunye neTelefonica.
Ukhuseleko luyalinganiselwa ngokwemiqathango yeemali ezinkulu, kuthathelwa ingqalelo inqanaba lokudada simahla, Eli ligama lesiNgesi elithetha inkunzi edadayo kwaye isetyenziswe kwinxalenye yesitokhwe senkampani okanye inkampani ethengiswa ngokukhululekileyo kwimarike yemasheya kwaye engalawulwa ngabanini zabelo ngendlela ezinzileyo. Kufuneka kuqatshelwe ukuba le benchmark yelizwekazi elidala iphononongwa rhoqo ngonyaka kuthathelwa ingqalelo inani lezabelo kunye nenqanaba lokudada kwemali ngokubhekisele kwitotali.
Izibonelelo zokuqesha kwakho
Ezona nzuzo ziphambili zokutyala imali ngokusebenzisa imali esekwe kwi-Eurostoxx, ngokubhekisele ekuthengweni ngokuthe ngqo kwezabelo zicacile, ngakumbi kuhlobo lomtyali mali oneprofayili elondolozayo, njengoko kunokuba njalo kwimeko yakho, ngubani omadolw 'anzima ukuthatha izikhundla kwii-equity ngenxa yokoyika ukulahlekelwa yinxalenye yemali eyinkunzi etyalomaliweyo, ngakumbi emva kokuwa okubukhali okurekhodwe kwii-equity ekuqaleni kwalo nyaka.
Ngokusisiseko kuba ufuna i ulwazi oluncinci Ukusuka kwimarike Oko kuthathwe kutyalo-mali kwisalathiso semarike ngaphandle komngcipheko wemali (Oko kukuthi, imali yayo yi-euro). Ukuba utyalomali kwiingxowa-mali zecandelo okanye iimali ezivela kumazwe asahlumayo okanye ngomngcipheko wemali, umzekelo, kuya kufuneka ubenolwazi olufanelekileyo ngazo ukuze uvavanye imakethi ongena kuyo ngandlela thile.
Ukuba ufuna ukutyala imali kwimarike yemasheya kodwa ungenalo ulwazi oluyimfuneko lokwenza njalo, uya kuba neengxaki ezimbalwa zokungena kwingxowa-mali ekubhekiselwe kuyo kwi-Eurostoxx-50 kunokuthenga izabelo ngaphandle kwendlela yokugweba okanye isicwangciso esichaziweyo. Olunye uncedo olongezelelekileyo olubandakanya olu khetho lotyalo mali kukuba Awuyi kuzichaza ngexabiso elithile. Ukongeza, iinkampani ezenza esi salathisi ngamacandelo oqoqosho ahlukileyo, aphatha ukwahlula utyalomali.
Amaqhinga ekusebenzeni
Nangona kunjalo, unokufumana imali edibaniswe ne-Eurostoxx ebonakaliswa ngokuthatha ukungalingani okukhulu kunye nomngcipheko ophezulu xa kuthelekiswa nezinye ezinobungozi obuphantsi. Kwakhona zinikezelwa phantsi kwefomathi yemali eqinisekisiweyo, ebonelela ukuba yonke imali igcinwe ikhuselekile, nangona utshintshiselwano lwenzuzo ebhengeziweyo inxulunyaniswa nokuzaliseka kokuqinisekileyo iimfuno, kwezinye iimeko kunzima kakhulu ukuzizalisekisa.
Enye into ekufuneka uyithathele ingqalelo yile iikhomishini kunye neenkcitho ezibandakanya ezi mali zotyalo-maliUbhaliso, idiphozithi, ukubuyiselwa kwemali kunye nolawulo oluqhelekileyo phakathi kwe-0,5% kunye ne-5% Ixesha elinconyelweyo lokusisigxina lelinye ipharamitha elibaphawulayo kuba liphezulu kakhulu, ngaphezulu kwezinye iimveliso zezezimali, phakathi kweminyaka emi-3 ukuya kwemi-5. Zijolise kwiprofayili yomtyali mali olondolozayo eneembono zayo kwixesha eliphakathi nelide.
Iimpawu zezi mali
Ngaphandle kokugcina ukufana okuninzi kuninzi lweemali ezinokuthi zifumaneke kwimarike yezemali, akumangalisi ukuba kukho umahluko obalulekileyo kuwe ukuze ufumanise ukuze ufumane izibonelelo zokuthatha isikhundla kwezi mveliso. Kwaye iya kuba yile ilandelayo:
- Zisekwe kwinkampani enobunzima obuphezulu obuthile Amashishini aseYurophu.
- Bangabhalisa evela kwimirhumo efikelelekayo kakhulu kuye wonke umntu, nakwiimali ezingazinzanga kakhulu ukuya kumngcipheko ophantsi.
- Bavumela ukubhalisela iimveliso zendalo eqinisekisiweyo khusela imali ifakwe ngumgcini.
- Ufuna ifayile ye- ulwazi oluncinci ethathwe kutyalo mali kwisalathiso sentengiso ngaphandle komngcipheko wemali.
- Banika ithuba lokuxhamla kuphononongo olunokwenzeka lwezokhuseleko lwaseYurophu ngaphandle kokuvezwa engxoweni ngokuthe ngqo.
- Ngokuchasene noko, bavezwa kuthotho lwezinto ezingeloncedo eziya kuthi ziyimfuneko kuwe ukuze wazi, ukuze ube nakho ukumisela ukuqeshwa kwabo okunokwenzeka. Kwaye kuyo nayiphi na imeko, inokuba nemingcipheko ethile.
- Yintengiso yentengiso ngaphantsi kwaziwa ngabatyali zimali abaphakathi.
- Iindleko kunye neekomishini ziphezulu kakhulu kwezo zithatyathwe kwintengiselwano yezinye iimveliso zezemali, ezinokuthi kwezinye iimeko zifikelele kwi-5%.
- Kwabo baqinisekisiweyo, ukufumana eyona nzuzo iphezulu uthotho lweemfuno kufuneka kuhlangatyezwane nalo, ngamanye amaxesha kunzima ukufeza.
- Kwiimeko ezithile kufuneka cinga ukungazinzi okuphezulu kunye nomngcipheko omkhulu kutyalo-mali.
- Imigaqo esisigxina kuninzi lwezindululo ezibonelelweyo ziphezulu kakhulu ngenxa yezona zimali zibalaseleyo, kuba zenzelwe ixesha eliphakathi okanye elide.
Zeziphi iimodeli abanokuthi bazirhumele?
Ngaphantsi kwale meko yehlabathi, iinkampani zolawulo ziphuhlisile kwiinyanga ezidlulileyo izindululo ezahlukeneyo ukuze abathengi babo babhalise imveliso yezi mpawu nakwiindlela ezahlukeneyo zotyalo-mali kunye neembono. Owona mahluko wabo uphambili kukwakhiwa kweephothifoliyo zabo, kunye nohlobo lweprofayili ezijolise kuyo ezi mveliso. Abanye babo beno izinto ezintsha kakhulu abo bacebisa inkuthazo entsha yokuqesha kwabo.
Njengomphumo wale ntsingiselo, kunzima kakhulu ukukhupha isibonelelo esikhoyo, kwaye ke, ayizibandakanyi naziphi na ezi mali zotyalo-mali kukhetho olukhulayo ukususela ngoku. Izindululo ngokuqinisekileyo awuyi kuphoswa, yenziwe ngazo zonke iintlobo zezicwangciso. Kwaye udibanise neengxowa-mali zotyalo-mali, apho unokwenza khona ukugcinwa kwakho kunenzuzo kwezona meko zibi zale marike yengeniso eyahlukileyo. Ngamanye amagama, ukuba esi salathisi siwela kwixabiso laso, uya kufumana iinzuzo ezinkulu.
Ngoku kufuneka ukhethe ifomathi yengxowa-mali elungele iimeko zakho njengotyalomali oluncinci. Kungathatha ixesha, kodwa ekugqibeleni uya kuvuna umvuzo wokuba uhambise imali ngokuchanekileyo. Kwaye loo nto inako (kwaye kufuneka) ihambe zincediswe zezinye iimodeli zengxowa-mali, engahambelani ne-Eurostoxx. Njengefomyula yokukhusela ii-asethi ezityaliweyo, kwaye uthabathe isimanga ezimbalwa kangangoko kunokwenzeka.
Ulwahlulo olwahlukeneyo
Enye yeenjongo ekufuneka uziqwalasele ngesi sicwangciso ayikho enye gcina ulwahlulo oluninzi kangangoko. Ephakamileyo, kulunge ngakumbi kwiminqweno yakho. Enye yezona zinto zinomtsalane kwezi mali zotyalo-mali, malunga nekhontrakthi yabo, kukuba bayakuvumela ukuba ube nemali eyinkunzi kwiibhasikithi ezincinci zokhuseleko ezidweliswe kwisalathiso somlinganiso waseYurophu, ngaphandle kokubeka emngciphekweni i-euro enye. isindululo sesitokhwe.
Isiphumo sokuqala esi siza kuba naso kukungathathi cala kwawo nawuphi na umkhwa ongalunganga ochaphazela ixabiso elithile lesalathiso sesitokhwe. Ikwathetha ukuba kwizikhundla zomthengi kwiinkampani ezine-solvency ephezulu yezoqoqosho eya kuthi ibe yiyo leyo Ukuziphatha okungcono kuphuhla kwelona xesha linabileyo kuqoqosho lwamanye amazwe, ngakumbi eyaseYurophu.
Nangona kunjalo, iya kuba nguwe ngokwakho oya kukhetha ukwakheka kweephothifoliyo abaphathi ababezilungiselele ngaphambili, nokuba kungoku izindululo zokuzikhusela ngaphandle komngcipheko ogqithileyo. Okanye ngenxa yoko bacinga ukuzibophelela okukhulu kwimidla yakho. Kodwa ngembuyekezo eya kuthi ibonelele nangakumbi ngamathuba ovavanyo ngokutsha kwiinyanga ezizayo, kwimeko apho ii-equities zaseYurophu zibuyela kwindlela ephezulu. Kwaye inokunyuka iye kwelona xesha liphezulu lonyaka.
Ngayiphi na imeko, yenye enye indlela ekuza kufuneka ngoku uvule izikhundla kwizabelo. Kwaye awunyanzelekanga ukuba uzikhawulele kwiimarike zesizwe, njengoko ubunokukwenza kude kube ziintsuku ezimbalwa ezidlulileyo. Isisombululo, ekugqibeleni, sinokubandakanya ukuvula imeko entsha yemali yakho.