Eyona ndlela icacileyo, kwaye kwangaxeshanye, elula ukuba kufuneka utyale imali oyigcinileyo kwimarike yemasheya kukuthenga ngokuthe ngqo izabelo zeenkampani ezidweliswe kwiimarike zezemali. Uninzi lwabatyali mali abancinci nabaphakathi bakhetha esi sicwangciso ekusebenzeni kwabo. Kodwa into abanokungayazi yile Ezi ntshukumo zinokumiselwa ngokusesikweni ngezinye iimveliso zemali, kunye nohlobo olufanayo. Ukungqinelana njengenye yeendlela ezizezinye abanazo ngalo mzuzu ukubakho kwizabelo.
Zimalunga iimodeli zotyalo mali que zenzelwe iprofayili yomtyalomali echazwe kakuhle, Ukusukela kwelona londolozo ukuya kwelona likhulu, ngokudlulayo ngokwamanqanaba aphakathi. Zonke ezinye iindlela zibandakanyiwe kwizindululo zabo, kwaye banezinto ezifanayo kuzo zonke, ulwalamano lwabo neemarike zezabelo. Nangona zivela kwiindlela ezahlukeneyo kunye noyilo, ezinye zide zahluka. Kwaye oko kunokuqeshwa ngokusekwe kwiimfuno zokwenyani zabathengi.
Nokuba yeyiphi na indlela, akusekho mfuneko yokuba uthenge izitokhwe ukuze uye esidlangalaleni. Iminyaka eliqela, iifomathi ezintsha ziye zavela eziphumelele ukubonwa kwangaphambili kwabasebenzisi. Ngokuqinisekileyo ezinye zilula, nangona kunjalo uninzi lubonakaliswa kukuntsonkotha kwemisebenzi yazo. Kwaye apho kuphela abatyali mali abanamava ngakumbi abaya kuba nakho ukufikelela kubo ngeziqinisekiso ezinkulu. Kukulungele ukuba ubazi, kwimeko ukusukela ngoku uye uzibone unesidingo sokubabhalisela ukonyusa ubambiso. Okanye ngokuthe ngqo njengenye indlela kwingxowa yemveli.
Iidipozithi ezinxulumene notshintshiselwano
Kuzo zonke iifomati, enye yezona zilula, kwaye ethatha umngcipheko omncinci kwimidla yakho njengomgcini, ziidipozithi zekota. Kodwa kule meko, edityaniswe kwiiasethi eziyimali zezimali. Ngenye yeendlela ezimbalwa onokunyusa ukusebenza kwazo kwezi mveliso zebhanki.
Iqala kwimbuyekezo emiselweyo neqinisekisiweyo, nokuba incinci, engafane idlule kwi-1%. Kwaye idityanisiwe nebhasikithi yesitokhwe okanye ii-indices zesitokhwe ezizizo ezinokuphucula umda wokurhweba wemposiso. Ngaphandle kokuba iinjongo ezichazwe kwikowuti yakho ziyafezekiswa. Abayi kuba lula ukugqibezela kuzo zonke iimeko, kwaye banokufuna kakhulu, kwaye ngenxa yoko bangasebenzi. Kukulungele ukuba ungakulibali ngaphambi kokumisela ngokusesikweni.
Le modeli ixubeneyo iyakhuthaza Ugcino luqinisekisiwe kwasekuqaleni, kwaye umtyali mali akunyanzelekanga ukuba athabathe umngcipheko ngexesha lakhe lesigxina. Ngenxa yokunqongophala kokusebenza kwezi mveliso zokonga, ayimangalisi into yokuba uninzi lweebhanki zikhethe ukunika abathengi bazo ezi dipozithi zikhethekileyo. Ngezindululo ezahlukeneyo ezinokuvavanywa ukuze ekugqibeleni uziqeshe okanye hayi. Nguwe oya kuba nesigqibo, esekwe kwiimodeli ezinikezelweyo ngesi sibonelelo.
Babandakanya imigaqo yokusisigxina, hayi emfutshane ngokugqithileyo, okanye engqindilili kakhulu. Phakathi kweenyanga ezili-12 ukuya kwezingama-36, ixesha elifunekayo lokuba i-asethi eyimali ikwazi ukuphinda inike ixabiso kwiimarike zemali ngokweemfuno ezikhutshwe ziibhanki.
Nangona kunjalo, uyakube ugcinwe ungashukumi ngexesha ekuvunyelwene ngalo. Ngoncedo olusezantsi olufikelelekayo kubo bonke abagcini, abo banokubhalisa ukusuka kwi-euro eyi-1.000 XNUMX kuphela. Ewe kunjalo, njengesiqhelo kwezi mveliso, ngaphandle kwekhomishini, okanye ezinye iindleko zolawulo okanye zolawulo.
Ngale ndlela, uya kuba nakho ukuzibeka kwizabelo, nangona kungekho bungozi, njengoko besesitshilo kweli nqaku, ukuba nenkunzi ekuvuthweni kwayo. Nangona ngokuchaseneyo, awuyi kuba nakho ukwenza imali kwiintshukumo ezonyukayo zeemarike ngamandla azo onke. Inxalenye yalo kuphela, incinci kakhulu. Umrhumo kuya kufuneka uhlawulele isiqinisekiso sokuba ezi zimvo zixelwa kuwe.
I-ETF, imveliso ekhulayo
Olu didi lweemveliso zemali Kubonakala ngokuba ngumxube phakathi kotyalo-mali oluqhelekileyo kwimarike yemasheya nakwimali yotyalo-mali. Bonwabela ulindelo oluthile kwicala labasindisi, abababona njengenye yeefomula ezonelisayo ukufezekisa iinjongo zabo. Kwaye banekhomishini ezinokhuphiswano, kwaye zitshiphu kunezo ziveliswe kwingxowa mali.
Ezi ezinye iindlela zinokukhetha ukuba ungakhetha nayiphi na imarike yemasheya, ayinamsebenzi nokuba yeyesizwe okanye ingaphandle kwemida yethu. Kwaye oko kukuvumela ukuba uqhubeke nomsebenzi ngokusebenzisa ipotifoliyo yotyalo-mali eyilwe ngokugqibeleleyo. Yenziwe ngamasheya, amacandelo okanye ii-indices zesitokhwe phantse naphina emhlabeni. Akukho zithintelo kwiindlela zakho, Nokuba ezinye zazo zisuka kwimo yoqobo kunye neendlela ezintsha.
kunjalo, Ziyacetyiswa ngakumbi ixesha elide lokuhlala, njengoko kunjalo nakwimali yotyalo-mali, kwixesha eliphakathi nelide. Kwaye oko kuyakuvumela, nangaliphi na ixesha, ukuba wenze ibhegi yokonga eyodwa kule minyaka izayo. Nokuba uyidibanise neeasethi zemali ezivela kwingeniso esisigxina, ukuba oku kuyinqwenelo yakho. Ngesithembiso esinamandla kakhulu sokuba abalamli bezemali bakunika okwangoku. Kwaye ungababhalisa kwibhanki yakho yesiqhelo.
Iimali zotyalo-mali njengezinye iindlela
Enye yezona mveliso zithandwayo, kwaye apho kukho uninzi lweeseli ezithembayo kwiminikelo yazo yemali, emva kokuncitshiswa kwenzala kwiidiphozithi. Ewe, ngabo unokutyala imali ngokulula kwimarike yemasheya. Zininzi izinto zoyilo ezenziweyo phantsi kwesi siqendu. Ngokuguquguquka, iiphothifoliyo zotyalo-mali, kunye nangokhuseleko lwemali. Banokukhethwa ngokusekwe kwisitokhwe, okanye kwii-indices zesitokhwe. Ngokusisiseko onke amashishini amelwe yimali efanayo yezi mpawu.
Bayakuvumela, endaweni yokukhetha ukhuseleko olunye, ukwenza njalo ngephothifoliyo yabo, kwaye ilungiselelwe ngokufanelekileyo ziinkampani zolawulo ezibaluleke kakhulu kwihlabathi liphela. Ingxaki yokwenyani kukuba kufuneka ukhethe ingxowa-mali yokhetho lwakho. Hayi ilize, isithembiso sokuba ezi mveliso zezemali zikunika enye yezona zibanzi zijolise kutyalo-mali. Ukusuka kwiimarike zesitokhwe sikazwelonke ukuya kwiimarike ezikhulayo, nkqu nakumazwe akude kakhulu, okanye nakwiinkampani ezinezahlulo Akukho nto iseleyo yokuphuculwa.
Ukongeza, banelungelo elikhulu lokuba ungazidlulisela kwezinye iimali zotyalo-mali nangaliphi na ixesha. Ngaphandle kwazo naziphi na iindleko, okanye iikhomishini, oya kuthi ujongane nazo kulo msebenzi ngokukhetha okukhulu. Ezi ntshukumo zisetyenziselwa ukuhlaziya iphothifoliyo yakho ebusweni beenguqu kumjikelo wezoqoqosho, okanye ngenxa yokuvela nje kweengxowa-mali zakho zangoku. Ukuba, kuyo nayiphi na imeko, yimveliso elula kakhulu yezemali yokwenza isivumelwano, kwaye evulelekileyo kuzo zonke iintlobo zokugcina. Ukusuka kwezona zikhuselayo ukuya kwezona zinoburharha, ngaphandle kwemida kwiprofayili yabo.
Iziqinisekiso, ezinobungozi obuphezulu
Ukuba kukho imveliso ephucukileyo, kwaye imisebenzi yayo ibandakanya umngcipheko ogqithisileyo, ayikho enye ngaphandle kweziqinisekiso. Zenzelwe abatyali mali abancinci abanamava ngakumbi kwiimarike zezabelo, ukuba yenye yeendlela ezizezinye kwimarike yemasheya. Akunanto, imbuyekezo ephezulu inokufikelelwa kwimisebenzi yakho, ngaphezulu kwezinye iimveliso. Kodwa ngendlela efanayo, ungashiya i-euro eninzi endleleni, ngakumbi ukuba unyulo aluphuhliswanga phantsi kweendlela ezifunekayo.
Kwaye oko kukhokelela ekubeni ukwazi ukubheja kwixabiso elisezantsi, uthathe ithuba lokudodobala kwiimarike zezemali. Ngayiphi na imeko, ukuba awukasebenzi ngeemveliso ezizodwa, kuyacetyiswa kakhulu ukuba ungenzi njalo ngoku. Iziphumo zisenokungabi yile nto ubuyilindele, kwaye ude uvale ukusebenza ngenqanaba eliphezulu lokukhubazeka.
Le misebenzi inokwenziwa nakweyiphi na ibhanki, kunye nemirhumo kwiikhomishini zayo ezihamba phantsi kokwahluka okuphawulweyo. Ngaphandle kwayo yonke into, uhlaziyo onokuthi uluvelise luphezulu kunakwimakethi yesitokhwe, kwaye kunjalo, kunakwidipozithi enxulunyaniswe nezinye iiasethi zemali. Kwaye apho ubulumko kunye nokukhuselwa kogcino lwakho iya kuba zezona zikhokelo zokuziphatha ziphambili ekufuneka zikhokelwe kuzo zonke ezi zinto zinzima.
Ukuthengisa ngetyala
Enye yeemveliso ezinxulumene nemarike yemasheya kwaye iqulunqwe njengezinye iindlela. Kodwa njengemodeli yotyalo mali yangaphambili, ithambekele kakhulu emngciphekweni, okanye nangakumbi. Akunanto, uyakube usenza ukuba imisebenzi ibe semthethweni phantsi kwemali. Kwaye kwiintshukumo ezantsi, eziqhubela phambili ukuyenza ibe nkulu ingozi. Uya kudinga ukuzibuza ukuba ingaba olu hlobo lokusebenza kwiimarike zezemali luyahlawula ngokwenene.
Kuyo kuphela iminyaka emininzi yokufunda eya kuthi ikunike isikhokelo sokonga amajelo ngale modeli iyodwa enikezelwe kuwe evela kwii-equities. Kuya kufuneka uye kwikhosi yokuhlaziya kwiimvume. Kwaye zihlala ziphethe uxanduva lokwenza iibhanki, amaqonga ezemali kunye nezinto zabucala ezinxulunyaniswe kwihlabathi lotyalo-mali.
Kuphela ngokusebenzisa izakhono ozifumeneyo apho uya kuba nakho ukuthatha isikhundla kwenye yezona mveliso zezezimali ziphucukileyo onokuzifumana ngalo mzuzu. Kwaye kuyo nayiphi na imeko, bavelisa isithembiso esimangalisayo kwii-commissions zabo eziza kukunceda ugcine imali eninzi minyaka le. Nangona iimvume ezigunyazisiweyo ukuba zingene kwisivumelwano zingadluli kunikezelo lolunye utyalomali lotyalo-mali (iimali, imarike yemasheya, i-ETF, njl. Yidigri yakho kuphela yokubonisa umngcipheko wokusebenza oya kuthi ekugqibeleni agqibe ukuba ulunge okanye ungayenzi imisebenzi yakho.
Kodwa yeyiphi eyona ibalaseleyo ngoku?