Ukutyala imali ngoDisemba ngaphandle kokubakho kwintengiso yemasheya

UDisemba yinyanga yokwenyusa ngokwesiko kwiimarike ze-equity, kodwa ukuba nangasiphi na isizathu awufuni ukuziveza kwezi marike zezimali, unezinye iindlela ezinokuthi zibe zezikhuselekileyo. Inzuzo oyifumanayo ayizubanzi njengakwingxowaKodwa ubuncinci unokukwazi ukufikelela kwezinye zeekirks zakho ezincinci kwezi holide. Eyona njongo ikhawulezileyo yokwenza imbuyekezo kulondolozo lwakho kunye nexesha lesigxina kwinyanga enye. Ukuze kamva uvavanye ezinye iintlobo zotyalo-mali okanye uphinde uqalise utyalomali kwiimarike zesitokhwe ukuphucula isikhundla kwiakhawunti yakho yokonga.

Kuzo zonke iimeko lutyalo-mali olunedinomineyitha efanayo kwaye inqanaba labo lokusisigxina lifutshane kakhulu. Ukuziqhelanisa, iintsuku le nyanga ibalulekileyo enyakeni enayo ukuze kufunyanwe imali encinci ngenxa yomdla kwezi mveliso zemali. Ngale ndlela, zibandakanyiwe kwiimodeli enye endaweni yesiko izicwangciso zokonga ezibekwe ziibhanki. Apho inzuzo iyinyani yokuba iya kumodareyitha kwaye ayifane idlule kwimida yokulamla ejikeleze i-1%.

Elinye icandelo ekufuneka livavanywe kukuba ziya kuba lutyalo-mali oluthe ngqo kwaye akukho meko inokwenzeka ngokusisigxina. Kwinto eyenziweyo njengotyalo mali ebizwa ibhulorho kwaye enenjongo yokulinda umzuzu ongcono wokubuyela kwiimarike zezabelo. Kodwa ngendlela yokuba imali ivelise ubuncinci kwinqanaba lomdla ukuze libe njalo ngokwaneleyo kumandla okuthenga ngabatyali mali abancinci nabaphakathi. Njengolunye lweempawu zodidi olukhethekileyo ukwenza ukonga imali.

Iirhafu ezinxulumene nemarike yemasheya

Banokuqeshwa ukusuka kwi-1.000 euros ngokwemigaqo yokuvuthwa ukusuka ku-1 ukuya kwi-10 leminyaka kwaye inexesha elinye lokubhaliselwa eliphela ngomhla omiselweyo okanye xa imali iyonke ebekiweyo ibhalisiwe. Ngaphandle kwento yokuba zichaziwe okanye iidipozithi eziqinisekisiweyo ezibandakanya ibhasikithi yokhuseleko edweliswe kwiimarike eziphambili zestokhwe emhlabeni. Zenziwe njengefomula ekhethekileyo yokunyusa inzuzo ebonelelwa zezi mveliso, nokuba indleko iyahambelana nothotho lweemfuno.

Ngayiphi na imeko, yindlela ekhuselekileyo kunokutyalomali ngokuthe ngqo kwimarike yemasheya kuba isiqingatha sotyalo-mali sinxulumene nengeniso esisigxina kwaye elinye icala linxulumene, ngokupheleleyo okanye ngokuyinxenye, kwindaleko indices, stocks, currencies okanye nayiphi na enye impahla Isalathiso kokubini kwiimarike zikazwelonke nezamazwe aphesheya. Ngaphandle kwayo yonke into, akukho khetho ngaphandle kokuzikhathalela ngokukodwa ezi ntlobo zeemveliso kuba zibalasele kwinto yokuba ikomkhulu linokuqinisekiswa okanye alingaqinisekiswa, kodwa kwimeko apho bekungenjalo, umthengi unokuphulukana lilonke lotyalo-mali lwabo., Kuxhomekeka kwiimpawu zedipozithi nganye.

Uninzi lotyalo-mali

Ukujongana neprofayili yabona batyali zimali bancinci nabaphakathi, eli xesha lonyaka linokusetyenziselwa izikhundla kwezinye iiasethi zemali. Ngokukodwa ezo zivela kwiindlela ezihamba phambili. Kungenxa yokuba ezi zindululo zotyalo-mali zinako uvune izibonelelo kwisithuba esifutshane kakhulu sexesha. Unokuthatha isikhundla, kwiiasethi ezinje ngeempahla okanye isinyithi esixabisekileyo. Nangona kunjalo, eyona nto iphambili kuyo ngumngcipheko omkhulu wokusebenza kuba inokuvelisa iziphumo ezichaseneyo. Kwaye ngenxa yale ntsebenzo, ukuphulukana nemali eninzi kwiintshukumo kwiimarike zemali.

Ngelixa kwelinye icala, le yimisebenzi ekhawulezayo kwaye igugile ephela ngalo mzuzu kanye apho ingeniso ifakwa. Kodwa kule meko, ngumahluko obaluleke kakhulu ngokubhekisele kwezinye iimodeli kutyalo-mali. Kwaye kubhekiswa kuyo njengoncediso kutyalo-mali ngabasebenzisi. Akukho kwityala njengotyalo-mali oluphambili ukusukela umngcipheko uphezulu kunezinye izindululo. Ewe kunjalo, phantsi kwesixa esincinci esifunekayo kuzo zonke iimeko.

Ukuvula iakhawunti yokonga

Ungalisebenzisa eli xesha lonyaka ukuba ubhalise iakhawunti yokwazisa kunye neebhanki ezikuvumela ukuba ungene kwisivumelwano serhafu yexesha elimisiweyo phakathi kweenyanga ezili-1 ukuya kwezingama-3. Banikezela ngembuyekezo ephezulu kunakwamanye amatyala ngokunyusa inzala kwi-3%. Kodwa awungekhe uyihlaziye xa iphelelwa lixesha, kwaye awunakho ukuyirhoxisa kwangaphambili. Kodwa yeyona ndlela ilula yokuphucula intlawulo kwixesha elide kangako. Ngophawu olukhetheke ngokukodwa olufana nenyani yokuba ezi dipozithi zinemali ephezulu ekufuneka zihlawulwe.

Izibophelelo zaseYurophu

Enye into onokuyenza okwangoku kukuya kule asethi yemali ukwenzakala kwetyala lakho, ngakumbi iSpanish. Ngenxa yokuthandabuza ukuba ukwenziwa korhulumente kwilizwe lethu kuvelisile kwaye ngokungathandabuzekiyo kunokuthoba ubunzima bokufumana iibhondi zaseSpain. Ngelixa kwelinye icala, kufuneka kugxininiswe ukuba le mveliso yemali inokubhaliselwa ixesha elifutshane kakhulu, njengenyanga. Eli kanye lixesha esifuna ukuligubungela ngemisebenzi yethu nelinokwenziwa ngokusesikweni ngabalamli abahlukeneyo bezemali. Ngokusetyenziswa kwenqanaba lenzala oko Amanqanaba aphakathi kwe-1% ne-2%. Ilungisiwe kwaye iqinisekisiwe ngexesha lokuphela, kule meko inyanga

Olu lolona khetho unokukhetha ngalo mzuzu ukwenza ukuba ulondolozo lwakho lube nenzuzo ngexesha elifutshane njengale nyanga kaDisemba. Nangona kuya kufuneka uyazi ukuba awunyanzelekanga ukuba ulinde ukubuya okuhle. Hayi kangako. Ukuba akunjalo ngokuchaseneyo, ukuphuma kwindlela yokuphelisa unyaka ngenzuzo ethile eyinkunzi.

Iidipozithi ezikwi-Intanethi

Umahluko ophambili abanayo ngokubhekisele kwiidiphozithi zesiko kukuba banokubhaliswa ngokufanelekileyo kwi-Intanethi ngaphandle kokushiya ikhaya, kodwa kwanokuba banikezela ngenzuzo ephezulu, ebenza babe yimveliso enomdla kakhulu kubasebenzisi bebhanki. Umvuzo abawubonisayo awulingani ngokwesithembiso esele sikhona, kuluhlu oluphakathi kwe-0,75% kunye ne-1,15%, kuxhomekeke kwiimpawu zabo nakwigama elikhethiweyo, nangona amanye amaziko ebahombisa ngezipho njengefomula yokutsala abathengi abaninzi. Iimfuno zokufikelela kolu hlobo lwedipozithi zincinci, kuya kufuneka ubengumthengi webhanki ekwi-intanethi okanye ebhankini yokonga kwaye ube negama eligqithisiweyo lokusebenza ngexesha lesivumelwano.

Iimali ezinoxanduva lotyalo-mali

Abatyalomali banokukhetha ukutyala imali kwiingxowa zabo ezisekwe kwiinkampani ezinesidima, intlalontle okanye indlela yokusingqongileyo, ngendlela ebavumela ukuba bazilungelelanise ngokweenkolelo zabo, ngaphandle kwengeniso abanokuthi babanike ababhalisile. Unokufumana iimali ezisekela iphothifoliyo yazo kwiindlela zokuziphatha zeshishini okanye ezinye ezenza umda wokungatyali imali kwimveliso yezixhobo, kwimveliso yesiselo esinxilisayo nakwimveliso yemveliso yecuba. Ezinye zeemali zotyalo-mali zinikela nge-0,7% yekhomishini yolawulo lwengxowa-mali kumaqumrhu angekho phantsi kukarhulumente, ngelixa ezinye zimiselwe ulondolozo kunye nokubuyiselwa kweedolophu ezinkulu eziyinxalenye yeArtistic Heritage yaseSpain.

Izicwangciso zokonga

Iibhanki kunye namaziko etyala azisa ezinye iintlobo zeeakhawunti ezinikezela ngomvuzo ophezulu kubaxumi bazo, nangona ngenxa yokwehla kwenqanaba lenzala elinqabileyo, ezi zizimo apho zidlula kwi-2% kwaye, apho uninzi lweZicwangciso-qhinga zokuzithengisa zilele ngokunikezela ngenzuzo yabo esekwe kwimithambo, ukuze bavuze ezona zixa zininzi zibekiweyo. Iimpawu ezibonakalayo zolu hlobo lweemveliso kukuba azibandakanyi ukubhatala okanye intlawulo yolawulo kwaye zikhatshwa zezinye iinkonzo zasimahla kubaninizo ezifana nokutsalwa ngqo kwetyala okanye ukufumana amakhadi simahla. Ngenxa yokwehla kwamanani enzala kutsha nje kunye nokuqhubekeka, uninzi lwamaqumrhu akhethe ukulibala malunga namaxabiso amiselweyo kwaye anikezela ngolu hlobo lweeakhawunti ekubhekiswe kuzo kwi-Euribor, ngelixa kwezinye iimeko bezisusile ngokuthe ngqo kwizibonelelo zabo zebhanki.

Gcina imali

Kwiminyaka yakutshanje bekukho i-rally enkulu ethe yanceda bonke abagcini, abathi ngandlela thile babekwe kwimarike yesilivere, neyathi yaqwalaselwa njengenye yezona zinto zinokwenzeka ukuba zibeke imali kwiingeniso ezinkulu. ivelise kule minyaka idlulileyo, ngaphezulu kwezinye ii-asethi zezemali ezikumgangatho ophezulu, kwaye iyazigqwesa ii-equity zamanye amazwe. Isinyithi esixabisekileyo, kwelinye icala, sivale lo nyaka ngohlaziyo olubanzi, sifikelela kwi-17,48 yeedola ngeyunithi enye kwimarike yaseLondon, emele inzuzo engama-61% xa kuthelekiswa nonyaka ophelileyo apho yayithengisa khona. I-10,80 yeedola, nangona ingabalulekanga kangako xa kuthelekiswa nexabiso layo kwiminyaka emibini eyadlulayo xa ixabiso layo lafikelela kwi-14,77 yeedola, oko kuthetha ukuba ukuphinda kujongwe malunga ne-18%.


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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
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  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.