Yintoni irhafu yeTobin?

izingaUkuba ungumtyali mali, alithandabuzeki elokuba ukusukela ngoku kuya kufuneka unikele ingqalelo kwigama eliya kuthi libaluleke kakhulu kwimisebenzi yakho kwiimarike zezabelo. Ewe, irhafu yeTobin okanye i-ITF luhlobo lwerhafu kwimicimbi yemali eyacetywayo kumashumi eminyaka eyadlulayo sisazi ngezoqoqosho esiphambili saseMelika. Ngokwenyani, ayizukuba ziindaba ezilungileyo kwimidla yakho ngokubanzi kuba kuya kufuneka uhlawule ikhomishini entsha yokusebenza kwizabelo nakwiziphumo. Ke ngale ndlela, umvuzo wakho uyancitshiswa, nangona uphantsi kobunzulu malunga neepesenti zayo.

Okwangoku oko kubizwa ngokuba yirhafu yaseTobin okanye i-ITF ayisebenzi kumazwe akummandla we-euro. Kodwa ayizukuthatha ixesha ukufaka isicelo kuba inokuba sekupheleni konyaka okanye sele ikho kunyaka olandelayo izakuqala ukusebenza ukuze ichaphazele utyalo-mali lwakho. Ekuqaleni, oku Irhafu entsha iyakusebenza kwimicimbi yentengiselwano nakwiziphumo, nangona inokudluliselwa nakwezinye iimveliso zezabelo ezikhoyo ezingekadweliswa. Iipesenti eziya kuthi zihanjiswe ngolu hlobo lwerhafu malunga ne-0,10% malunga nayo yonke le misebenzi.

Irhafu yeTobin yeyaseYurophu kububanzi, njengoko uza kube uyazi ngoku emva kwengxoxo-mpikiswano enkulu iphuhlisiwe kwi-European Union. Oku kuthetha ukuba iya kusebenza eBelgium, eJamani, e-Estonia, eGrisi kwaye naseSpain uqobo. Ukusuka kule meko ngokubanzi, abatyali mali, njengakwimeko yakho, abafuna ukusebenza kwiimarike ze-equity kuya kufuneka balungiselele ukuthatha irhafu entsha yokuthengiselana ngemali (ITF). Ukuze ngale ndlela inokongezwa kwezinye iindleko kulawulo okanye kulondolozo lotyalo-mali. Umzekelo, iikhomishini, iindleko zerhafu okanye iifizi zezinto zebhanki.

Irhafu yeTobin: iya kuchaphazela njani?

Ukutshaya Inye into eqinisekileyo ngalo mzuzu kwaye okwangoku le rhafu ayizukuchaphazela imisebenzi oza kuyenza kwiinyanga ezizayo. Nangona ibonwa kwangaphambili ukuba le meko ayizukuhlala xesha lide, ngokokuqikelela okuvela kwimibutho yamaziko asekuHlaleni. Kwelinye icala, iya kusetyenziswa ngokuthe ngcembe. Oko kukuthi, kancinci kancinci kwaye kuqala ngokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya kunye nezinye ezivela kuzo. Ukuqhubeka kamva nezinye iimveliso zezezimali, ezinje ngengxowa mali, iimvume okanye ezinye iindlela zotyalo mali.

Ngayiphi na imeko, iya kuba sisixa esiyi-0,10% kwaye ngaphandle kokutsalwa kwemali eyinkunzi kwaye oko kuya kuchaphazela bonke abatyali mali ngokulinganayo. Nangona kunjalo, kubaluleke kakhulu ukuba uthathe ingqalelo ukusukela ngoku ukuya kwisixa serhafu yeTobin rhoqo ziya kulungiswa kwaye zingafani njengoko kwenzeka, umzekelo, kwiikhomishini ukuba icandelo elifanelekileyo leemveliso zezemali zisebenza kuwe. Ekugqibeleni iya kuba yinkcitho entsha ekufuneka uyilindele ukusukela ngoku ukuya phambili kwaye iya kuthi isaphulelo kumvuzo wakho kwiimarike zezabelo.

Zeziphi iimarike ezichaphazela eli zinga?

Eli nqanaba liya kusetyenziswa kuyo yonke imisebenzi eyenziweyo kwifayile ye- Iimarike zesitokhwe zaseYurophu. Kodwa lumka kakhulu kuba ayizizo zonke, kodwa kwishumi elinanye apho kukho imakethi yaseSpain. Ukongeza phakathi kwabanye, isiJamani, isiTaliyane okanye isiBelgium. Xa uza kwenza intshukumo yezi mpawu kula mazwe, kuyakuba xa bekuhlawulisa ngenene le ntlawulo kuyo yonke imisebenzi oza kuyenza ukusukela kanye kumzuzu wokumiliselwa kwayo. Ewe ayizukuba yimali eninzi, kodwa kuyo nayiphi na imeko iya kuba yinkcitho entsha eya kuthi iveliswe kutyalo-mali lwakho ukusukela ngala mzuzu ukuya phambili.

Ngokomgaqo, iya kuchaphazela imisebenzi ekhuthazwe kwiimarike zesitokhwe. Kodwa njengoko ixesha lihamba, ngakumbi nangakumbi iimveliso zezezimali ziya kuchaphazeleka yile ntlawulo kwihlabathi lotyalo-mali. Ukuza kuthi ga kwinqanaba lokuba uqikelelo lubonisa ukuba luya kufikelela nakweyiphi na kuzo. Ukusuka kwesona siko esiqhelekileyo ukuya kwesona sinobunkunkqele. Ngokuqinisekileyo akukho namnye kubo oya kuyisusa le rhafu intsha ingekafiki kwiimarike zezemali. Nangona kunjalo yonke into iya kuba ngumcimbi weenyanga.

Ngaba iimali ziya kuchaphazeleka?

Enye yeenkxalabo zenxalenye elungileyo yabatyali mali abancinci nabaphakathi ilele ekwazini ukuba ekugqibeleni inqanaba leTobin liya kuthi lifikelele nakwimali yotyalo-mali. Awungekhe ulibale ukuba le yimveliso yotyalo-mali apho abatyali mali ikakhulu begcina imali abayigcinileyo. Ewe, ekuqaleni ayizukubanjalo kwaye ixhomekeke kuphela kwindaleko yale nqanaba inokudluliselwa kwiimali zotyalo-mali. Ngendlela efanayo nezinye iimveliso zezezimali ukwenza ukonga kunenzuzo, njengoko sele sithethile kwicandelo elidlulileyo.

Ngayiphi na imeko, kukho isithuba sokungayihlawuli le rhafu kwaye kungokuya kwiimarike zezemali apho ukusetyenziswa kwayo kungazukusebenza. Ngale ndlela, esinye sezisombululo kukuya kwifayile ye- Izabelo ze-Great Britain. Ngenxa yokuba irhafu entsha kubatyali mali ayizukusebenza. Kwelinye icala, kukwakho noovimba bokuphambukisa utyalomali kwiimarike kwelinye icala leAtlantic. Apho iUnited States ibonakala ngenxa yokubaluleka kwayo. Njengeemarike ezisakhulayo ezingqinelana neBRICS (iBrazil, iRussia, iNdiya, iTshayina noMzantsi Afrika). Ukuze ngale ndlela, uqhubeke nokutyala imali kodwa ngaphandle kokuthatha lo mthwalo werhafu mtsha.

Zeziphi iindleko zomrhumo?

indleko Ngalo mzuzu kanye xa kusetyenziswa into ebizwa ngokuba yirhafu yaseTobin, uya kuba nenkcitho entsha ekuthengeni nasekuthengiseni izabelo kwimarike yemasheya. Kodwa yimalini ngenene? Ewe, ukuba uthatha isigqibo sokwenza umsebenzi wokuthenga okanye wokuthengisa we-10.000 euros Inkcitho iyonke iya kuba yi-10 euro. Logama nje inzala ibonwa kwangaphambili yimibutho yolawulo yaseYurophu isetyenzisiwe, oko kukuthi nge-0,10%). Nangona kuqikelelwa ukuba iyonyuka njengoko igalelo lakho lezemali belilikhulu. Ngamanye amagama, amashishini amakhulu esitokhwe aya kohlwaywa ngaphezulu kweentshukumo ezincinci. Ngale ndlela, abalahlekileyo abakhulu baya kuba ngabatyali mali abakhulu.

Kwelinye icala, awungekhe uyilibale inyani yokuba le rhafu intsha izakubangela enye ingxaki kulawulo lwakho. Phakathi kwezinye izizathu kuba awuyi kuwazi owona mzuzu baya kuyikhupha kwimali yakho eseleyo kwiakhawunti yokutshekisha. Ukuya kwinqanaba lokuba ube nokudideka malunga nokusetyenziswa kwayo. Akumangalisi ukuba le nto ayibalulekanga kuwe kuphela, kodwa kwinani elikhulu labasindisi abangawaziyo umatshini wenyani wokuphunyezwa kwawo kwimisebenzi eqhutywa kwiimarike zezemali.

Indlela yokunciphisa iindleko ezintsha?

Oko kwafika eli nqanaba litsha, alithandabuzeki elokuba uya kuba neenkcitho ezingaphezulu, nangona kule meko izakuba sisixa esiphantsi esingafuneki kakhulu. Nangona kunjalo, unezicwangciso ezininzi nciphisa ifuthe layo epokothweni. Elinye lala macebo livela ekupheliseni imisebenzi eyoyikisayo kwiimarike zezabelo. Kuya kufuneka ukhethe ngakumbi ekukhetheni amaxabiso ukusukela ngoku kuba kunganqweneleki ukuba ubenemali ethe kratya kwimisebenzi ongekhe uyenze inzuzo.

Elinye inyathelo ekufuneka ulilandele ukunciphisa eli zinga kukukhetha iikhomishini ezilungileyo kwintengiso. Ukuze ngale ndlela uhlawule umrhumo omtsha oza kuvela. Gcina ukhumbula ukuba ngokuxhomekeke kwikhomishini esetyenziswe ngabalamli bezemali onakho konga phantse ama-30% enkcitho Ukusuka kwesi sikhundla kwiimveliso zezemali. Ewe kunjalo, iphezulu kakhulu kunonxibelelwano oluveliswe yile rhafu ikhethekileyo. Ukuza kuthi ga kwinqanaba lokuba ungenza nokuba isiqulatho esikhulu seendleko.

Amaqhinga okunciphisa ifuthe lawo

irhafu Ngomnye umthambo, iya kukunceda ukonyusa ukusebenza okuphakathi kunye nexesha elide ekusebenzeni okukhawulezayo. Kuba ngesi sicwangciso sikhethekileyo uya kuba nomthombo obalulekileyo wokonga. Ngaphandle kokufika kweli nqanaba sithetha ngalo. Njengoko uya kuba kancinane ukukhetha ngakumbi xa usenza imisebenzi. Oko kukuthi, kuya kuba ngcono ngakumbi ukwenza okusesikweni kube mbalwa kwaye kunenzuzo kakhulu kuninzi kwaye kwenziwe ngakumbi. Ukusuka kule ndawo yokujonga, ukungeniswa kwetax yaseTobin kunokuba yinto entle ukukhusela iimfuno zakho.

Kwelinye icala, iya kuhlala ikwenza uxhobise ezinye iindawo okanye iimarike zezemali obungakhange uzivavanye kude kube ngoku. Ngale ndlela, ewe, amathuba oshishino aya kunyuka ukusukela ngoku. Ayisiyiyo kuphela imarike yesitokhwe, kodwa ikontraki nezinye iiasethi zemali. Akumangalisi ukuba baya kukhululeka kwezi ndleko, umzekelo kwiimarike zezinto ezisetyenziswayo okanye izinyithi ezixabisekileyo, phakathi kwezinye zezona zibalulekileyo.


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