Iimali zotyalo-mali yenye yeendlela ezikhethwayo kubatyali zimali baseSpain ukwenza ulondolozo lwabo lube nenzuzo. Ukuza kuthi ga kwinqanaba lokuba umntu omnye kwabathathu abhalise kwimveliso yezemali yezi mpawu, ngokweedatha zamva nje ezinikezwe yi-Inverco. Yimodeli yolondolozo ebonakalise umndilili wovavanyo kunyaka ophelileyo malunga ne-2,50%. Ngenzuzo yokuba zinikezelwe phantsi kweefomathi ezahlukeneyo: ii-equities, ingeniso esisigxina, exubekileyo okanye kwezinye iindlela. Ukuzicwangcisa njengeyona mveliso iphambili yokonga okwangoku.
Ukubaluleka kwayo kwiphothifoliyo yotyalo-mali yabatyali mali abancinci naphakathi kusisiseko ngenxa yokunqaba kwezindululo ezinenzuzo zokuphucula ubulungisa. Ngale ndlela, ayinakulityalwa ukuba iimveliso zebhanki zesiko azihambi ngamaxesha amahle. Kodwa ngokuchaseneyo, bayabhaptizwa kwiimbuyiselo ezincinci njengesiphumo se- Ixabiso eliphantsi lemali. Kwaye oko kuye kwakhokelela kwiidipozithi zexesha, amanqaku ezithembiso okanye iiakhawunti ezinesivuno esiphezulu ezinganikisi nzala ingaphezulu kwe-1,50% ngalo mzuzu kanye.
Ngayiphi na imeko, imali yotyalo-mali ibe yenye indlela kwezi mveliso zezezimali, nangona kungekho bungozi. Ngokuchanekileyo ukuze ezi zithintelwe ngakumbi, awuzukukhetha ngaphandle kokusebenzisa uthotho lwamacebo ukuze bakunike ukhuseleko olukhulu imisebenzi. Kuxhomekeke kubume bezi mali kunye nenyani yokuba ezinye zinokuba nzima ngakumbi kunezinye. Ke ngoko baya kufuna i- ukhuseleko olukhulu kwinxalenye yemidlalo yakho. Ezi iya kuba zezinye zeendlela zokuzikhusela oya kuba nazo ngokuchasene nale mveliso yemali ithandwayo.
Imali ekhuselweyo yemali
Ewe kunjalo, ngamanye amaxesha amaxesha utshintshiselwano lwemali inokwenzakalisa umdla wakho. Ukuya kwinqanaba lokuthintela inzuzo onokuyifumana ukusukela kumhla wokuqeshwa kwakho. Ukuthintela le meko ingathandekiyo, akukho nto ingcono kunokuqesha ingxowa-mali eyilelwe ngokhuseleko lwemali. Ngale ndlela, awuyi kwenzakaliswa lutshintsho olungathandekiyo kwimali ekuvunyelwene ngayo. Nokuba yi-euro, idola, iphawundi okanye nayiphi na enye into.
Ngale ndlela, kwezinye iimeko ilahleko ayizukuqina kangako xa iimeko zinganyusi. Ngelixa kwezinye, kuya kukunceda ngokulula phucula ingxelo yengeniso ngenzuzo ephezulu kakhulu. Ngayiphi na imeko, iya kuba sisicwangciso sotyalo-mali esingasayi kwenzakalisa umdla wakho. Ukuba akunjalo, ngokuchaseneyo, iya kuba licebo eliluncedo kakhulu ukuthintela iimeko ezingathandekiyo kwiimarike zezemali. Ngaphandle kokuhlawula ezinye iikhomishini. Yeyiphi eya kuba yenye indlela kulawulo lweeasethi zakho zobuqu okanye zosapho.
Ulawulo olusebenzayo lwemali
Enye yeefomathi onokukhetha kuzo kule klasi yeemveliso zezemali kulawulo lweemali zotyalo-mali oluninzi bhetyebhetye ngakumbi. Hayi ngelize, uyakufumana ukuba unokuziqhelanisa nazo zonke iimeko ezinokubakho kwiimarike zezemali. Nokuba ngowona mbi kwimidla yakho. Ungaya kwingeniso eguquguqukayo iye kumvuzo osisigxina okanye ngokuchaseneyo, ngokuxhomekeke kuguquko lweeasethi ezahlukeneyo zemali. Kwaye okona kubaluleke kakhulu, ngaphandle kokuba wenze nantoni na. Endaweni yoko, esi sicwangciso siya kuba ngumlawuli weengxowa-mali zotyalo-mali uqobo.
Ukusuka kule ndlela ngokubanzi, inokuba yeyona ndlela iluncedo kakhulu yokuziqhelanisa notshintsho kumjikelo wezoqoqosho. Okanye ubuncinci xa kukho into ebalulekileyo Umahluko kumkhwa yeemarike zezemali. Njengomzekelo, ukusuka kwi-bullish ukuya kwi-bearish. Ukuze ngale ndlela ukwimeko ezintle ukwenza ukonga kwakho kunenzuzo. Nokuba yeyiphi na iprofayile oncedisayo njengomtyali mali ophakathi naphakathi. Okwangoku, inxenye elungileyo yemali yotyalo-mali iphuhlisiwe phantsi kwale mpawu ikhethekileyo. Awuyi kuba nangxaki ekuzifumaneni kwizibonelelo ozinikwe yibhanki yakho.
Iimodeli ezinokwahluka okukhulu
Esi sesinye sezicwangciso ezinokukunceda ngamanye amaxesha kubomi bakho bezemali. Ingakumbi kuba ungadibanisa iiasethi ezahlukeneyo zemali ukuzama ukuzenza ukuphucula ukusebenza yale mveliso yemali. Ngale ndlela yotyalo-mali, kuya kuba lula kakhulu ukuphucula imida yokulamla. Kwaye ubuncinci, ukunciphisa ilahleko xa iimeko kwiimarike zezemali ingezizo ebezicetyisiwe ekuqaleni. Ukongeza, isicelo sayo asizukufuna nanini na ukuba uhlawule naluphi na uhlobo lweekhomishini okanye inkcitho kulawulo lwayo okanye kulondolozo. Ukuza kuthi ga kwinqanaba lokuba ezi mali zotyalo-mali zibe luncedo kakhulu ngexesha elithile kubomi bakho bezemali.
Kwelinye icala, ukwahluka kwiimali ezihlangeneyo kunokusebenza ukukhusela imali uninzi lweemeko ezibi kwiimarike zezemali. Ukuya kwinqanaba lokuba inokukwenza ufumane imali xa kwezinye iimeko le nto ingaphezulu kokungalindelekanga. Ngokudityaniswa ngokuchanekileyo kweeasethi zemali. Ayisiyiyo kuphela kwii-equity, koko ikwavela nakwingeniso esisigxina okanye kwezinye iindlela okanye iindlela ezizezinye. Esi sesinye sezibonelelo zokukhetha le modeli kukubonelela ngotyalo-mali oluguquguqukayo kulawulo lwayo.
Vula kwizindululo ezintsha
Esinye isitshixo sokufezekisa iinjongo zakho kukuba ingxowa-mali yotyalo-mali inokubandakanya ezinye iimodeli zotyalo-mali ezizinzileyo. Ngeyona njongo iphambili yokunciphisa umngcipheko welona candelo linoburharha kwimveliso ebhalisiweyo. Umzekelo, kusetyenziswa i-asethi ethile yemali ye ubume bezemali enika ukhuseleko olukhulu kwimali ebekiweyo. Ewe, inzuzo yayo ayizukukhangeleka kwaphela. Kodwa ngokuchaseneyo, iya kuba sisiqinisekiso sokukhusela umdla wakho ngexesha elifanelekileyo. Ngaphezulu kwezinye iifomathi ezinoburharha kule klasi yeemveliso zemali.
Ukuba lo ngumnqweno wakho, awufanelanga ukhathazeke ngokugqithileyo ukusukela umnikelo onikezelwa ziinkampani zolawulo Ibanzi kakhulu kwaye ijolise kuzo zonke iintlobo zeeprofayili zomsebenzisi. Ngaphantsi kwepesenti eya kuthi ixhomekeke kwimodeli yakho njengomtyali mali omncinci nophakathi. Ukongeza, ezi mali zilula kakhulu ukuqondakala kuba ukwenziwa kwazo akukho nzima. Ungazifumana zombini kwiifom ezinxulunyaniswe nee-equities kunye nengeniso esisigxina. Isicwangciso esiliqili sokuzikhusela esingakukhupha ngaphezulu kwengxaki enye kwimeko yezoqoqosho engaqhelekanga. Bafuna ukubenza nzima ubomi bakho ngokubhalisela iintlobo ezahlukeneyo zeemveliso zemali.
Eyona ikhuselekileyo: imali
Kwiimeko ezinzima kakhulu unokuqesha ekuthiwa yimali yotyalo-mali. Basebenza njengebhulorho ngaphambi kokuba uye kwezinye iifomula ezintsonkothileyo. Kuyinyani ukuba ukusebenza oya kufumana nabo kuya kuba kuncinci. Kodwa ubuncinci uyakuyeka ilahleko kwipotfoliyo yakho yotyalo-mali. Ukuya kwinqanaba lokuba uya kuba nexesha lokudlulisela kwezinye iimodeli ezifuna ngakumbi. Imbuyekezo eveliswe yimali yotyalomali yemali ijikeleza phantse phakathi kwe-0,10% kunye ne-1,50%. Apho kuyakubaluleke kakhulu ukuba ukhethe imali echanekileyo ukunqanda iimpazamo onokuthi uhlawule kakhulu ngalo naliphi na ixesha lenkqubo yotyalo mali.
Ngokuchasene noko, baya kuba nomngcipheko ophantsi ekuqeshweni kwabo kuba kunqabile ukuba bazise ilahleko yokufaneleka okukhethekileyo. Kwelinye icala, awungekhe ulibale ukuba ezi mali zotyalo-mali zinokukusebenzela njenge i-refugio ngaphambi kwelona xesha linzima kwiimarike zezemali. Ngokukodwa xa imeko esisiseko yeentengiso ze-equity icacile. Ewe uya kuba nengxaki encinci kwezi mveliso zezemali ukusukela ngoku. Sisibonelelo esihle sokwenza ngokusesikweni kwayo kwaye ngokungafaniyo nezinye iimali ezifuna kakhulu.
Gubungela imeko yokungazinzi
Okokugqibela, le fomathi inokukuhlangula ngaphezulu kwengxaki enye ukusukela ngoku. Nangona oku kuya kufuneka uthathe umngcipheko ngakumbi kunabanye. Ke loo nzuzo ifakwe kwisiteyitimenti sengeniso sakho ngamaxesha amabi kakhulu kwiimarike zezemali. Nangona kunjalo, yimodeli yotyalo-mali ekucetyiswa ukuba uyenze ngamaxesha athile ixesha elifutshane. Kulapho zisebenza khona ekuphuculeni ukubuyela kubutyebi bakho buqu okanye bosapho.
Okokugqibela, njengomncedisi kutyalo-mali, ungazidibanisa kunye nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya okanye nediphozithi engaqhelekanga enikezela imbuyekezo eyamkelekileyo kwimidla yakho. Umzekelo, yokwazisa ovelisa imbuyekezo kufutshane ne-1,50%. Nangona kwiimeko ezininzi ziya kufuna uhlobo oluthile loqhakamshelwano: intlawulo ngokuthe ngqo, iindleko zekhaya okanye ukonyusa ubudlelwane bakho nebhanki. Ingaba ngumxube ozisa izibonelelo ezingaphezulu kuneengxaki. Kwaye ke kuya kufuneka uyithathele ingqalelo ukukhusela imali yakho ukusukela ngoku. Nangona ivela kwindawo ekhuselayo ngakumbi kunakwamanye amamodeli otyalo-mali.