Iimali zotyalo-mali ukuphuma kwesiqhelo

imvelaphi

Iimali zotyalo-mali zinamancedo amaninzi ekuqeshweni kwabo, kwaye ngokuchanekileyo enye yazo kukuba ikuvumela ukuba utyale imali oyigcinileyo kuyo nayiphi na iasethi eyimali. Ngokuqinisekileyo akukho mda, kwaye ngaphakathi Zonke iindawo zejografi, nkqu nakumazwe ekunzima ukuwachonga kwiimephu. Ukuza kuthi ga kwinqanaba lokwenza iiphothifoliyo zotyalo mali ezintsha, kunye nenqanaba elithile lokuvela, elinokuthi kwiimeko ezininzi limangalise iintloko zalo. Zombini malunga nemali esekwe kwii-equity kunye nengeniso esisigxina, ngaphandle kokulibala-ewe-ezinye iimodeli, kulapho olu hlobo lwemveliso yezemali lubandakanyiwe ikakhulu, nto leyo iya isothusa abamkeli bayo.

Abatyalomali abanqwenela ukunika imali yabo kutyalo-mali oluncinci banomgangatho kwi-Bankinter Sustainability fund ukuhlangabezana neenjongo zabo. Ayothusi into yokuba iphothifoliyo yayo isekwe kwiinkampani ezibandakanyiweyo kwizalathiso zozinzo, ezendalo kunye nezentlalo. Ukukhuthaza, ngale ndlela, abathathi-nxaxheba batyala imali yabo ngokusekwe kwiinqobo abazikhuselayo eluntwini. Ngalo nyaka ukusebenza kwakhe kakubi, ejikeleze iipesenti ezi-5, nangona ihambelana nomkhwa oboniswe ziimarike eziphambili zesitokhwe.

Iimodeli zotyalo-mali oluhlaza

Ngaphakathi koku kwahluka, iimali ezinoxanduva kwezentlalo ziyabonakala. Ezi ziimodeli ezibonisa kwipotifoliyo uthotho lwexabiso kunye neenkolelo ezinokwamkelwa ngabatyali mali abathile. Ukulungiselela kwabo kubhetyebhetye kakhulu, kuba baqhotyoshelwe kwingeniso eguqukayo, esisigxina, exubileyo, kunye nenye ingeniso. Kwaye njengomzekelo wesindululo sokuziphatha, imveliso ehlangabezana nezi mpawu: Ingxowa-mali yamandla amnyama iBlackrock. Utyalo-mali kwizabelo zokugcinwa kwemali kwiikhampani zamazwe aphesheya ezinobukho obuphezulu kwamanye amacandelo ombane. Ibonisa ukuphambuka kwinzuzo yayo yonyaka ye-1%.

Ukufikelela kwezona ngxowa zingaqhelekanga

iingxowa ezingaqhelekanga

Omnye wemirhumo yeemali zotyalo-mali kukuba ivumela abatyali mali abancinci ukuba bangene nakweyiphi na indawo, nkqu nakwimazwe kude kube yiminyaka embalwa bengacingi nokuvula izikhundla kwiimarike zabo zesitokhwe. IMongolia, iMoldova, iVietnam okanye iTanzania le yeminye yemizekelo yendlela yokonga abasebenzisi beebhanki ekude enokuqondiswa ngayo kwiimali zotyalo-mali.

Ukuqinisekisa esi sicwangciso-mali, kwanele ukujonga izindululo ezithile ezenziwe ngabaphathi abaziintloko bezi mveliso. I-Deutsche Invest Africa, enezikhundla kwiimarike zaseKenya okanye zoMzantsi Afrika, phakathi kwezinye, nalapho kulo nyaka kugcinwe imbuyiselo engephi ye-0,10%. Okanye iFranklim MENA Fund, eseka izikhundla zayo kwiiasethi ezivela kumazwe asePersian Gulf (Qatar, Oman, United Arab Emirates okanye Kuwait), kwaye kwiinyanga ezintandathu zokuqala zonyaka zibonisa ilahleko yengxowa mali ejikeleze i-11%. Iziphumo zokugqithisa ukuxhomekeka kweoyile ngala mazwe. Kakhulu, ukuhla kwayo kumaxabiso kwiimarike zezemali (ngaphezulu kweedola ezingama-50 umphanda) kuye kwalinganisa ubunzima bezikhundla zale ngxowa-mali, ngaphezulu kwezinye iindawo ezingadibananga kangako negolide emnyama.

Ukuba, kwelinye icala, ufuna ukukhetha ukomelela kweemarike ezingezizo ezesintu zaseAsia, enye yeendlela eziphambili zokuthatha isikhundla kukusebenzisa iFidelity Emerging Asia Funds. Yingxowa-mali, iipotifoliyo yayo yotyalo-mali esekwe kwi amazwe angaphucukanga kweli lizwekazi nokuba zithathwa njengeemarike ezisakhulayo. Ukuvela kwayo kulo nyaka kudlula kulindelo lweemarike zasentshona, ngoxabiso oluncinci lwe-2%.

Iwayini, into engaphaya kolonwabo

Iwayini yinxalenye ebaluleke kakhulu kwiitafile zokutyela, okanye ngorhatya olunothando kunye neqabane lethu. Ingaba ngumqondiso wedwa, apho ibhotile yeewayini ezidumileyo ingaba nexabiso ukuya kuma-25.000 euros. Njengakwimeko ye-Mouton Rothschild ka-1945 esi siselo sinxilisayo singenza imali ngokonga, kunye nembuyekezo engcono kunezinye iiasethi zemali eziqhelekileyo.

Kukubheja kwexesha elide okunemfashini ngenxa yokuba sesichengeni okuphantsi komngcipheko ngenxa yemfuno ephezulu yeewayini zayo. Ayisiyiyo kuphela kwiimarike zemveli (iUnited States kunye ne-European Union), kodwa nakwabo bakhulayo (China, ikakhulu). Kukho iimali ezininzi eziqokelele le mfuno kubatyali mali, kwaye phakathi kwazo uMatshi Vini Catena umi ngaphandle, onokubhaliswa kwi-6.000 ye-euro. Ukuthintela ukuthenga iibhotile, into ihlala inzima kakhulu, ityalwe kwiinkampani zokuhambisa, ukuvelisa iiwayini okanye abathengisi. Ngenzuzo ephakathi kwiinyanga ezintandathu zokugqibela ze-0,30%, nangona ibichazwe ngakumbi ngo-2015 xa ifanele iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphindehliselwe ibuye iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde nokuhlaziywa kwakhona

Iimali zotyalo mali

inkolo

Ubuchule kwezi mveliso zezezimali bufikelele kwinqanaba lokuba okwangoku zilungelelanise imigangatho yokuziphatha yeenkolo ezithile. Le yimeko ekhethekileyo yeNgxowa-mali yeNgeniso yeAmana, eyona nto iphambili kuyo kwezinye iimodeli zotyalo mali kukuba ivula izikhundla kwiiasethi eziyimali ngokwemigaqo yamaSilamsi. Ngenxa yesi sicwangciso sikhethekileyo, akukho mali zenziwayo kwimifanekiso engamanyala, iziyobisi, icuba okanye ukungcakaza.

UJulius Baer, ​​kwelakhe icala, wazise le modeli kwintengiso yesizwe, ngokusebenzisa ingxowa mali yotyalo mali, ethi kule meko isekwe kwiimpawu zobuKatolika. Ibizwa ngokuba yiTemperantia, enephothifoliyo yengeniso eguqukileyo yamazwe aphesheya, ethi yona njengemfuno ibonise ukwamkelwa kwe imigaqo esisiseko yale nkoloukukhusela ubomi, isidima somntu kunye nokuzikhusela kwendalo, phakathi kwezinye izinto ezixabisekileyo.

Iimodeli zotyalo-mali ezisekwe kulo mthetho-siseko ziyaphehlelelwa kwilizwe lamaKatolika. Ngeendlela ezahlukeneyo kulawulo lwayo, nangona iindlela zabo zifana kakhulu. Abanye, ngokuchaseneyo, basekwe ekuthatheni isikhundla kwiinkampani zeengalo, iindlela zokuthintela ukukhulelwa okanye iingqikelelo zobundlongondlongo. Ezi mveliso zenzelwe iprofayili yotyalo-mali echazwe kakuhle. Phi Imilinganiselo yokuziphatha okanye ubumbano iyaqhubeka ngaphezulu kwezinye izinto eziqwalaselweyo.

Ngaphantsi kwesicwangciso sobumbano

Yiyo kanye le nto ikhuthaze abanye abaqeqeshi abanobuchule. Kwaye zithengiswa linani elilungileyo leenkampani zolawulo ezizama ukwanelisa le mfuno ikhethekileyo phakathi kwabaxhasi babo abaphambili. Ude ufike kwisindululo esikhulu ngokwenene. Ngokungafaniyo neengxowa-mali zotyalo-mali ngaphambili. Ukufumaneka kulo naliphi na iziko lemali likazwelonke. Ke ngale ndlela, ukuphucula amanye amaxabiso kwindalo iphela. Ngolu phawu luninzi kunye nemveliso eninzi ziingxowa-mali zotyalo-mali.

Ezi zindululo zisekela umnikelo wazo kuthotho lweenqobo ezisesikweni zokuziphatha ukuze abatyali mali bakwazi ukuhambisa izindululo zabo ngezinga lamaxabiso abakholelwa kuwo. Ngaphandle kwesidingo sokubhenela kwelinye iklasi lotyalo-mali oluqhelekileyo. Ukusuka kule ndawo yokujonga, yenye into ekufuneka uyenzile ukugcina imali kunenzuzo ngokweenkolelo zakho okanye amaxabiso akho. Ukuba ngumanyano yenye yezona zinto zibalulekileyo.

Olunye uthotho lweemveliso zemali

Ngapha koko, unazo nezinye uyilo apho unokuziphatha khona ngokusekwe kwiinkolelo zakho. Zimelwe ikakhulu yi iidipozithi, iiakhawunti zokujonga kunye namakhadi etyala. Apho wabela khona inxalenye yezi ndleko kwiiprojekthi zobumbano ezimelwe yimibutho engekho phantsi kukarhulumente. Ukwenza ikhontrakthi kwezi mveliso akubandakanyi inkcitho eyongezelelweyo, kwaye iinjongo zayo aziphambuki kwiimodeli zesiko.

Iya iphindaphindeka ngakumbi into yokuba iifomathi ezintsha zonyusa esi sibonelelo sikhethekileyo. Ukuvela kweefomathi ezintsha, ngezindululo ezitsha kunye noluhlu lwegalelo kula maqela. Into eyayingacingeki kwiminyaka nje embalwa edlulileyo. Ngale ndlela, indima yamashishini ebhanki ngokulula ukuqokelela imfuno zabathengi. Ngokunyuka okuphawuleka ngakumbi kwezi mveliso zebhanki zichazwe kakuhle.

Igalelo lini eli mali?

iminikelo

Ezona mali zotyalo-mali zoqobo kwaye zinika ithuba lokwandisa inani lezindululo onazo ngalo mzuzu ukwenza ulondolozo lwakho lube nenzuzo ngendlela eyahlukileyo. Ayizukubandakanya ukuthatha iindleko ezinkulu. Kodwa ngenxa yesizathu esinye ayichaphazeli ukusebenza onokuyifumana ukusukela ngoku. Inokufana naleyo yemali yotyalo-mali yemveli. Ngale ndlela, umahluko ubuncinci. Umahluko ukwindalo yawo. Akukho Okuninzi.

Ngayiphi na imeko, ikuvumela ukuba ukhethe ezinye iimodeli ezahlukeneyo. Kude kude kwiifomathi zobomi bonke. Ukuthatha i- uvuselelo olutsha ke unokukhetha amanye amashishini. Ngamanye amaxesha, ayisiyi rhoqo ukufumana ulondolozo lwabatyali mali abancinci nabaphakathi, njengoko kunjalo nakwimeko yakho. Ngokwazi ukubanakho ukutyala imali kumaqela akho ebhola ekhatywayo. Okanye wenze utyalomali kwiiwayini eziphambili ezithengiswa kwihlabathi liphela.

Kuya kufuneka uhlalutye kuphela isithembiso esenziwe ngabaphathi ezandleni zakho kwaye ukhethe ingxowa mali yotyalo mali leyo ulunge ngcono ngaphakathi kwiprofayili utyalo-mali olwenzileyo ngalo mzuzu. Ngaphandle kokulindela ukubuya okumangalisayo, nangaphezulu kokunikezelwa zezinye iimali. Okokuqala, kunokwenzeka ngakumbi ukuba iimarike zezemali zikunika ukuba usebenze ngayo nayiphi na iasethi eyimali. Ukusuka kweyona yoqobo kuye kweyona ingalindelekanga. Ngoku ungatyala imali yakho kulo naliphi na ishishini. Akukho zikhutshelo zalo naluphi na uhlobo. Kufuneka uphonononge ukunikezelwa kwezi mveliso zezezimali ukuze uqonde ukuba le ndlela inokwenzeka namhlanje.


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