Iidipozithi ezinesivuno esikhulu kune-1%

Izicwangciso-qhinga ezilungileyo zokunyusa isivuno sedipozithi

Akusiyo imfihlo okwangoku kumjikelo omtsha wezoqoqosho ukugcina ugcino lwethu kwiidipozithi zethuba ayisiyonto intle yokutyala imali. Ukusebenza okubonelelwa zezi mveliso zebhanki kungaphantsi kwezembali, ukuhamba kumda omxinwa ukusuka kwi-0,20% ukuya kwi-0,60%, Kuxhomekeke kubungakanani obenziweyo kunye nemihla ebekiweyo. Ngenxa yesigqibo sebhanki eseYurophu esezantsi yokunciphisa ixabiso lemali. Izinto zebhanki ezihambisa eli nyathelo kuzo zonke iimveliso zazo zokonga (iidiphozithi, amanqaku ezithembiso ...).

Ukungoneliseki kweSaver kubalulekile xa kujongwa ukwehla kokusebenza, kwaye nangokwandisa imigaqo yezi mveliso abazukuvuzwa ngomnqweno wabo wokonga imali yabo ebhankini. Kungenxa yoko le nto befuna ngokungxamisekileyo ezinye iindlela zokuphucula isikhundla sabo (iimali zemali, ii-equity, i-corporate bond, njl. Nangona kwezinye iimeko Irhafu ngomngcipheko omkhulu ekufuneka bewenzile kwimisebenzi yabo. Ingakumbi ezo zivela kwiimarike zesitokhwe. 

Nangona kunjalo, abaphulukananga nayo yonke into, kwaye ngezinye iidipozithi zexesha -Ukuba utshintsha isicwangciso-mali sakho- uya kuba nakho ukuphucula kakhulu inzuzo yakho. De ufikelele kwimida eyamkelekileyo ngakumbi kwimidla yakho, yeyiphi banokude baye kwi-5%. Ngokubuyisa, kuya kufuneka bahlengahlengise iindlela zabo zokonga, bahambe ngobudlelwane obukhulu nequmrhu, bandise imigaqo, benze isivumelwano nezinye iimveliso, okanye bakhethe ngokuthe ngqo izibonelelo zentengiso ezivuza iminikelo yabo yezoqoqosho ngezi zoyilo zenzelwe ukonga.

Ukufaka ezi zihluzo kukhetho lwakho, Ukuphucula ukusebenza kweedipozithi zexesha akunakuphinda kube yimishini engenakwenzeka kubanini bakho. Ukwenza oku, kuya kwanela ukuba basebenzise uthotho lwezikhokelo ekuziphatheni kwabo, zombini kunye nebhanki yabo kunye nezi mveliso. Kuya kuthi, ewe, kufuneke umzamo owongezelelweyo wokufumana awona mathuba ongcono okugcina kwimarike yebhanki yelizwe.

Isitshixo sokuqala: fumana ukuthembeka ngakumbi kwibhanki yakho

Ukwenza ikhontrakthi kwezinye iimveliso kunye nebhanki kuya kunceda ekunyuseni inzala

Ukwenza ikhontrakthi kwezinye iimveliso kunye nequmrhu lakho (amakhadi, i-inshurensi, isicwangciso sepenshini, njl. Njl kukhokelela kuphuculo olubonakalayo kwiimeko zetanki. Ukuvelisa inzala enokhuphiswano ngakumbi, ephakamisa umda obonelelwe ziibhanki ngalo mzuzu zizishumi ezimbalwa. Isitshixo sesi sicwangciso siya kuba nobudlelwane obukhulu kunye nequmrhu.

Abathengi banokusebenzisa olu tyekelo lweebhanki ukubhala phantsi iidipozithi ezingcono, kwaye yintoni ebaluleke ngakumbi, ngeemeko ezingcono kwisivumelwano sabo. Kwaye ngenxa yesicwangciso-qhinga sentengiso, khetha iimveliso ezinokusondela kwinzuzo ekufutshane ne-1% -

Isitshixo sesibini: ukuhlawulwa ngokuthe ngqo kwirhafu

Ngalo msebenzi webhanki, awona mathuba mahle aya kufezekiswa, kwezona zindululo zinoburhalarhume zingakhokelela kwiimodeli ezivelisa i-5%. Nangona kunjalo, Kuya kuba yimfuneko yesinyanzelo ukunxibelelanisa irhafu yomvuzo (ipenshoni okanye umvuzo oqhelekileyo) ebhankini. Isenokuba yimfuneko kakhulu kwaye bayifuna ngexabiso elingaphezulu kwe-2.000 euros. Banokubandakanya ukutsalwa ngokungqalileyo kwemali-mboleko ephambili yasekhaya (umbane, amanzi, igesi, njl. Njl.) Njengefomula yokufezekisa iinjongo.

Ngaphandle koku, ziya kuba zilinganiselwe iidipozithi. Ngamaxesha amafutshane okuhlala, kunye nemilinganiselo yemali, ethi ngokubanzi ayidluli kumqobo we-10.000 euro. Kwangokunjalo, zenziwe ngaphandle kokubanakho ukuzihlaziya xa ziphelelwa lixesha.

Isitshixo sesithathu: zinxibelelanise nezinye iiasethi zemali

Iidipozithi ezinxulunyaniswe nezinye ii-asethi eziyimali

Yeyona modeli yanelisayo kubathengi bebhanki abafuna ukufumana imida eyamkelekileyo yenzuzo. Usebenzisa le ndlela, umqobo we-5% unokoyiswa, kodwa ngaphandle kweengxaki. Abajolisanga kuphela kwiiasethi zentengiso yesitokhwe, kodwa nakwezinye iindlela ezizezinye. Phakathi kwezo zibalaseleyo ziimarike zezinto ezingasetyenziswanga, izinyithi ezixabisekileyo, okanye ibenchmark yaseYurophu, eyaziwa ngokuba yiEuribor.

Oomatshini bayo bahluke kancinane kwiimodeli zesiko. Baqala kumdla oqinisekisiweyo, ngokuhambelana nemida yedipozithi eqhelekileyo. Ukusuka apha, isekela konke okulindelweyo kokusebenza kwinto yokuba iiasethi ezinxibelelanisiweyo ziyahlangabezana neenjongo ezincinci kwixabiso lazo, kwaye azisoloko zifezekiswa.

Kungale ndlela kuphela apho iinjongo zinokuthi zifezekiswe, nangona ewe, ngembuyekezo yomtsalane ngakumbi, apho iimeko ezilungileyo zinokufikelela kwi-10%. Ukutshintshiselana, baya kubonelela ngeemodeli ezifuna ngakumbi ezigqitywe phantsi kokumiselwa kunye nemigaqo emide yokusisigxina kunye negalelo eliphezulu.

Isitshixo sesine: khetha izibonelelo zentengiso

Iya isanda into yokuba iibhanki zithengise iimveliso zabathengi abatsha, ukuze baphucule iimeko zabo zokubhala phantsi, ngamanye amaxesha nangokuphawuleka. Ezi zibizwa njalo Unyuselo lokutsala imali kwamanye amaziko, kwaye basebenzise ezona zixhobo zibalaseleyo ukulungiselela le nkqubo. Abantu abakhetha oku kuyilwa abayi kuba nangxaki ekufumaneni imbuyekezo eyi-avareji ephakathi kwe-1% kunye ne-2%, nangaphezulu kwezona zindululo zinoburharha.

Kwakhona, ukoneliseka akuyi kugqitywa njengoko kuthengiswa phantsi kwemida ethile. Imihla emiselweyo, ukubanakho ukungazivuseleli kunye neemfuno zegalelo labo iya kuba yenye yazo. Ngelixa, ngokuchaseneyo, banikwe amandla kuninzi lwendlela phakathi kwesibonelelo esiveliswa zizinto.

Isitshixo sesihlanu: ukwandisa imigaqo yokusisigxina

Kukwakho noovimba be-classic Yandisa imigaqo yakho, ukuya kuthi ga kwiminyaka emi-3 okanye emi-5 njengendlela yokufumana umdla wakho ngokukhawuleza. Nangona ukuphuculwa kwemida yabo kungayi kuba ngaphezulu kweeshumi ezimbalwa ngaphezulu komndilili wangoku weemveliso zebhanki.

Into enganyanzelisiyo ukubaqesha phantsi kwale miqathango lixesha elide apho igalelo elenziwe lingayi kubakho. Kwaye ngamanye amaxesha banokufuneka bajongane nentlawulo eyongezelelweyo, iindleko ezingalindelekanga, okanye ngenxa yezibophelelo zethu zerhafu. Nangeyiphi ndlela, Ngumvuzo oza kuqinisekiswa ngalo lonke ixesha ledipozithi, nokuba iimeko zentengiso ziyahluka.

Isitshixo sesithandathu: sidibanise kunye notyalo mali

Okokugqibela, ihlala isisixhobo sokukhetha ezo modeli, ngokuya rhoqo inikwa inzuzo ephantsi yezi mveliso, ezisekela isicwangciso sabo Qhagamshela kwiingxowa mali ukuze utyalo-mali lwanelise ngakumbi kubafakizicelo.

Zahlulwe iipesenti ezingama-50 kwimodeli nganye yotyalo-mali. Ngelixa icandelo elihambelana nengeniso esisigxina (iidiphozithi) zigcina imeko yazo yorhwebo ingaguqukanga, elinye icala (iimali zotyalo-mali) yeyona nto ihlawula umvuzo unyaka nonyaka unesisa ngakumbi kubanini bale mveliso.

Isitshixo sesixhenxe: siqeshe kutshintshiselwano lwangaphandle

Ukuthatha idiphozithi kwezinye iimali kunokuyiphucula indlela osebenza ngayo, kodwa ikwenze mandundu ngakumbi

Ngaphandle kwamathandabuzo, inokuba lolunye ukhetho lokufezekisa iinjongo zethu, nangona kukho ingxaki enkulu yokuba ngumsebenzi onobungozi kakhulu, kuba iimpembelelo zawo zinokuba ngokuchaseneyo. Banokufumana ikhontrakthi kwiimali eziphambili zamanye amazwe (i-franc yaseSwitzerland, idola yaseMelika, i-yen yaseJapan, krone yaseNorway ...), kodwa kuxhomekeke kukuhla nokunyuka kwiimarike zezemali, kwaye oko akusayi kuhlala kunceda kwimidla yethu, kodwa ngokuchaseneyo.

Ukongeza, kuba kufuneka ubhalise kwezinye iimali ngaphandle kwe-euro, kuya kufuneka ucinge iikhomishini ezongezelelweyo kwintsebenzo nganye, eziya kuthi zinciphise ngokukodwa izibonelelo ezinokubangelwa lolu hlobo lokumiselwa okukhethekileyo. Kwaye kwelinye icala, baya kufuna ulwazi olunzulu ngezi marike kwicala labagcina imali. Okanye ubuncinci babe neengcebiso zeengcali kwezi marike zezemali.

Igalelo eliphambili kwiidiphozithi

Ukuba, ngaphandle kwayo yonke into, abathengi bakhetha ukubhalisa kuyo nayiphi na kwezi mveliso zebhanki, abayi kujonga kuphela imeko yemali yabo. Banayo eminye imirhumo enokuba luncedo ngokwenene, ngakumbi ngamaxesha oxinzelelo lwezemali, okanye ukungaqiniseki kwezoqoqosho.

Ukwazi, nangayiphi na imeko, ukuba nakuphi na ukunyuka kwinqanaba lenzala kuyakuxhamla inzuzo yakho. Ngale ndlela, Kufuneka kuqatshelwe ukuba ixabiso lemali liphantse libe kwi-zeroNgokukodwa kwi-0,25%, kwaye naluphi na utshintsho kumgaqo-nkqubo wezemali kwicala labasemagunyeni kwezoqoqosho lwaseYurophu, luya kuthetha isivuno esiphezulu kwezi mveliso.

  • Baqinisekisa ngokupheleleyo igalelo labathengi xa sele bekhulile, kwaye ukuba ibhanki ekhuphayo yemveliso inokungaphumeleli nangasiphi na isizathu, ukuya kuthi ga kwi-100.000 zeerandi kuya kuqinisekiswa ngeNgxowa-mali yesiQinisekiso seDiphozithi (FGD). Ngelixa, ngokuchaseneyo, kwezinye iimveliso ezimiselwe ukonga (amanqaku ebhengezo ebhanki) olu nyango alunakwenzeka.
  • Bahlala bebonelela ngokusebenza, eyaziwayo ukusukela oko imveliso ibhalisiweyo, kwaye ingekhoyo kwindleko yokuhla kwiimarike zemali. Ngaphandle kwala matyala apho kukho unxibelelwano olunxalenye kunye nezinye iiasethi zemali ezivela kwiimarike ze-equity.
  • Abavelisi naluphi na uhlobo lwenkcitho kulawulo lwabo, okanye kwiikhomishini. Inye kuphela enikwe amandla ngokurhoxiswa kwayo kwangoko, nokuba iyonke okanye iyinxalenye, kwaye inokufikelela kwi-0,50% yeendleko zomsebenzi owenziweyo.
  • Yimveliso yebhanki ehlengahlengiswe kuzo zonke iiprofayili zabathengi, leyo ayifuni lwazi lukhethekileyo malunga nokusebenza kwayo, kwaye inokuthi yenziwe ngokusesikweni ukusuka kwisigqeba esiphezulu kuye kumfazi wasekhaya. Ukukhululwa kulo naluphi na uhlobo lomngcipheko.
  • Isibonelelo esikhulu esiboniswa ziibhanki sithetha ukuba banokukhethwa phakathi kweemodeli ezininzi: ngobubele, ukwandisa inzuzo, ikhontrakthi kwi-Intanethi, kubathengi abatsha ... Kwaye oko kufanele kukhethwe ngokusekwe kwiimpawu eziboniswa ngumthengi.
  • Inkuthazo eveliswe ekuqeshweni kwabo kukuba, ngenxa yezicwangciso ezintsha zorhwebo lweebhanki, umdla wakho unokuhlawuliswa kwangaphambili, ngaphandle kokulinda ukuphela. Ngeendlela ezahlukeneyo: ngenyanga, ngekota, kwisemester okanye ngonyaka.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
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