Uyityala phi ikrismesi enamafutha?

amanqathaKule mpelaveki, umzobo wesiko leKrisimesi uzakusasaza i-2.380, 10.000 yezigidi zeerandi, apho abaphumeleleyo kuphela kuya kufuneka bahlawule naliphi na kumabhaso amane okuqala ale lothari kwaye bahlala befumana imali engaphezulu kwe-XNUMX yeerandi. Ke ngoko, ukuba ungomnye wabaphumeleleyo ngeKrisimesi yeFat ekudala ilindelwe uya kupakisha I-322.000 ye-400.000 ye-euro ngeshumi. Ngale ndlela, ii-euro ezingama-78.000 ezishiyekileyo ziya kuya kwingqokelela karhulumente njengeerhafu. Le yimeko ethi iziveze ukuba uncume ithamsanqa kuwe kule mpelaveki.

Eyona nto intsha inomdla kulo nyaka ibonisa eyona midlalo ithandwayo yamathuba phakathi kwabaseSpain kukuba izixa zokuxolelwa ziyonyuswa kwaye kuphela ezo zidlula I-10.000 yeerandi kwishumi. Kuya kufuneka uyithathele ingqalelo ukusukela ngoku ukuya phambili phambi kokuba ukubakho kwetikiti lakho lelottery yenye yezo zinethamsanqa kulo mzobo kuvulwa ngawo iiholide zeKrisimesi. Ukuba bekunje, uya kuba noluhlu lwezinto onokuzenza ukuze wandise ezi nzuzo zibalulekileyo ubungenazo kwimali yakho.

Ukuba ungomnye wabo banethamsanqa, banokuphinda bahende ithamsanqa lakho kwaye bacinge ukuba ungabuphucula obu butyebi bakho ngeemarike zezabelo. Phakathi kwezinye izizathu kuba ziya kuhlala zikho mathuba o shishino ngazo ukonyusa imali oyiphumeleleyo kwilotto yeKrisimesi. Xa kunokwenzeka ukuba uhlengahlengise kwiprofayili onayo njengomtyalomali omncinci nophakathi: onobundlongondlongo, olondolozayo okanye ophakathi. Ngayiphi na imeko, yenye indlela ngaphambi kokuba iye kwiakhawunti yakho yokonga.

IKrismesi enamafutha: Ixabiso leMarike yeStock

bolsa Enye yezinto zokuqala onokukhetha ukuphucula iiasethi zakho kukuya kwizabelo zaseSpain ezinokubonga. Awungekhe ulibale ukuba i-Ibex 35 ngalo nyaka izakuhamba iye yavela kakubi kakhulu ngokushiya ngaphezulu kwe-13% yenqanaba lakho. Ukuya kwinqanaba lokuba ungavala unyaka kwi-low lows, kufutshane kakhulu kwinqanaba lama-8.600 ee-euro okanye nokuba kusezantsi ukuba imeko esezantsi iyaqhubeka ngeentsuku zokugqibela zonyaka.

Ukusuka kule meko yokwenyani, kukho icandelo lesitokhwe eliye laqhuba kakubi kwimarike yemasheya kwaye lelo licandelo lebhanki. Ngokwehla kwexabiso nge-20%, kodwa ngamathemba amahle kakhulu kwixesha eliphakathi nelide. Elinye lamaqhinga, ke ngoko, kukutyala imali kwezinye zeebhanki ezithengiswa esidlangalaleni kwaye zithabathe amaxabiso asezantsi. I-Bankia, i-Santander, i-BBVA okanye i-Sabadell inokuba zezinye zezindululo zakho zokwenza ukuba i-Christmas Gordo ekudala ilindelwe ibenenzuzo.

Izinto ezinokwenzeka ukuya kuthi ga kwiipesenti ezingama-30

Abanye abahlalutyi beemarike zezemali baqikelela ukuba amasheya akweli candelo libalulekileyo ancitshisiwe kumaxabiso entengiso. phakathi kwe-20% kunye ne-30%. Ngexesha lokusisigxina, ubuncinci iminyaka embalwa. Kungenxa yokuba ngoku beveza amaxabiso ahlengahlengiswe kakhulu kwinyani yeshishini labo kwaye kungenxa yeengxaki ezininzi eli candelo elinazo kulo nyaka, esele zineeyure ezimbalwa kakhulu ukuba zidlule kubomi obungcono. Ngokuqinisekileyo ayisosikhundla esiyingozi kuba ixabiso lesabelo likhuphisana kakhulu okwangoku. Apha ngezantsi kohlelo lwakho lokwenyani.

Kwelinye icala, awungekhe ulibale ukuba iibhanki zaseSpain zibonelela nge- isahlulo enomdla kakhulu, ngenzuzo ephakathi ephakathi kwe-5% kunye ne-6%. Le yintlawulo ehleliweyo kwaye iqinisekisiwe minyaka le, nokuba kwenzeka ntoni kwiimarike ze-equity. Ukuze ngale ndlela wenze i-portfolio yotyalo-mali kwimali engenayo esisigxina kwi-variable. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Yindlela esebenzayo yokunyusa ibhalansi yeakhawunti yakho yokutshekisha emva kweGordo de Navidad.

Qesha kwingxowa mali exubeneyo

Ngenxa yendaleko eyoyikekayo yeemarike zezemali, isicwangciso sesibini sotyalo-mali onaso kukwahlula imali efunyenwe ngethamsanqa leli raffle. Kwaye yeyiphi indlela ebhetele kunengxowa-mali yotyalo-mali exubekileyo kwaye ke isekwe Zombini kumvuzo osisigxina kunye nokwahlukileyo. Ukuze ngale ndlela, ubekwisimo esingcono sokukhusela ukuwina kwakho kumdlalo. Kwelinye icala, uneemali ezininzi zotyalo-mali kwezi mpawu kwaye kuya kufuneka ukhethe enye ehambelana neprofayile yakho njengomtyali mali omncinci nophakathi.

Nangona kunjalo, le ndlela yotyalo-mali ayijoliswanga nexesha elifutshane. Ukuba akunjalo, ngokuchaseneyo, kuya kufuneka ndikuqondise kumaxesha amade amade. Ukuba yonke into iphuhliswe ngokuchanekileyo, kusenokwenzeka ukuba kwimeko yeminyaka emihlanu okanye emithandathu unokufumana imbuyekezo phakathi kwe-5% ne-10%. Akukho kubi konke konke kwimali obengenayo kwasekuqaleni. Ukongeza, ngaphandle kokuyivelisa kwiasethi enye yezemali enokuthi ivelise umngcipheko ngakumbi kwiindawo ezivulekileyo njengezi holide zeKrisimesi.

Iziqinisekiso zokukhawulezisa inzuzo

mvume Kuhlala kukho ubutyebi, ukuba ungumtyali mali ocacileyo, wokusebenzisa iiaranti phinda kabini isixa oyifumene ngekrismesi yomzimba ekudala ilindelwe. Kule meko, ukuvulwa kwezikhundla kwixabiso lezabelo zaseSpain ezishiyeke ngasemva kwi-2018 kwaye ezinokuphinda zibe nakho ukuphinda uhlaziye. Ngale ndlela, kukho ukhuseleko kunye nokwehla konyaka ukusondela kakhulu kwiipesenti ezingama-30 kwaye kunokuthengwa ngale ndlela ikhethekileyo yotyalo-mali.

Ungalibali ukuba le mveliso yemali esisigunyaziso sisihloko esidibeneyo esifana neso Inketho yokuthenga. Inika umthengi ilungelo, kodwa hayi uxanduva, lokuthenga izabelo eziqhelekileyo ngokuthe ngqo kwinkampani ngexabiso elimisiweyo lexesha elithile. Nangona kunjalo, ayinakuphikwa ukuba iziqinisekiso zodidi lweemveliso zezemali ezinobungozi obuninzi ekusebenzeni. Apho unokufumana khona imali eninzi, kodwa ngesizathu esifanayo, shiya i-euro eninzi endleleni ukusukela ngoku. Ngaphandle kokuba yimveliso enetyhefu, ubuncinci ayijoliswanga kubo bonke abatyali mali.

Kwigumbi lokugcina: kukhuselekile kwaye kuqinisekisiwe

Olunye lolona khetho lukhuselekileyo onalo okwangoku lubalulekile kwiidipozithi zebhanki zexesha elimisiweyo. Baye bayiphucula inzuzo yabo kwiinyanga ezidlulileyo kwaye baqala ukuba nomdla wokufumana imali eyongezelelweyo minyaka le okanye ubuncinci kwiminyaka ekufuneka isigxina sabo. Ukusuka kule meko ngokubanzi, kukho unyuselo olunikezela ngembuyekezo yonyaka kunye neqinisekileyo kufutshane kakhulu ne-2%. Ewe inokuba ngumbono ogqwesileyo wokuqinisekisa imali eveliswe eGordo de Navidad.

Ngayiphi na imeko, ezi dipozithi zebhanki zinamaxesha okusisigxina ahamba phantsi koluhlu olusuka 12 ukuya kwiinyanga ezingama-36. Ixesha apho abagcini mali kufuneka babe negalelo lezoqoqosho benganyanzelwanga, yenye yezona zinto zimbi zolu khetho olugcinayo kutyalo-mali lwelotto. Nangona kufanelekile ukuba iyimveliso engenasimahla ikomishini kunye nezinye iindleko kulawulo nakulondolozo lwayo. Ngogcino olupheleleyo ngokubhekisele kule concento enxulunyaniswe nenkcitho.

Isilivere njengenye indlela

ahlawule Kwelinye icala, esi sinyithi sixabisekileyo lukhetho olunenzuzo kakhulu ukuba ukungazinzi kubeka kwiimarike ze-equity. Ngobukho bokwenyani bokwenza ibhaso leli raffle libe yinzuzo kwimida engaphezu kwama-30% kwaye hayi kwixesha eligqithisileyo. Hayi lilize, isilivere ithathwa njengenye yeendawo ezikhuselekileyo zokuziphatha ngokugqwesileyo kwaye okwangoku igcina ukubanakho ukuphinda kujongwe okuphezulu kunokufumaneka kuyo nayiphi na iasethi yezemali.

Emva kokuba nethamsanqa ngejackpot inokuba lixesha lokuthatha umngcipheko kwaye akukho nto ingcono kunale yesinyithi ukufezekisa iinjongo ezinqwenelekayo ukusukela ngoku. Ayilolize, iinyanga igcinwe ingenampazamo nditsho Oku kukumema ukuba uvule izikhundla ngaphandle kokuthatha umngcipheko ogqithisileyo ekusebenzeni. Ngaphandle kwezinye izinto zobuchwephesha eziya kuhlalutywa kwamanye amanqaku kolu khetho kwiimarike zezemali.

Ngala maxesha achanekileyo, kuninzi ekufuneka ukufumene kunokulahleka, ngaphandle kwento yokuba yinto yexabiso elinzima ukuba uthathe isikhundla. Nangona kunjalo, ukuzola kokuba nemali ongenayo kuya kukunceda ukuba uqale kwizikhundla kwimarike yezemali ekhethekileyo njengoko injalo. Ngethamsanqa elincinci, iiasethi zakho ziya kunyuka kwiinyanga ezimbalwa. Ngaphandle kwezinye izinto zobuchwephesha eziya kuhlalutywa kwamanye amanqaku kolu khetho kwiimarike zezemali.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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