Ungayiphucula njani inzuzo yedipozithi?

Abahlanguli banokuphucula iimeko zerhafu

Ixesha lifakwe kwiidiphozithi kangangeminyaka emininzi njengemveliso yokonga ngokugqwesileyo, ijolise ikakhulu kwiprofayili yomthengi echazwe kakuhleUmsebenzisi okhuselayo, onamandla amakhulu okuthenga kwaye unika ukubaluleka okukhulu kukhuseleko emngciphekweni womngcipheko onxulunyaniswa nezinye iimveliso zebhanki kwii-equities (imarike yemasheya, iimali zotyalo-mali, ezinye izinto, njl.).

Nangona kunjalo, eli ziko labasongi ligcina ngokuphulukana nendima yalo njengemveliso yebhanki ekhethiweyo yokubamba imali kangangeminyaka eliqela. Isigqibo sebhanki ekhupha iYurophu sokunciphisa ixabiso lemali sikhokelele kwisivuno kwiidiphozithi ezingaphantsi kwezembali zazo

Banikezela ngenqanaba lenzala elinqabile ukudlula isithintelo se-0,75%, ngokuchaseneyo nokwenzekileyo kwiminyaka embalwa edlulileyo. Apho kunokwenzeka ukuba ufikelele kwi-5%, kwaye kwinqanaba eliphezulu nakwizindululo ezinobundlobongela eziphuhliswe ziibhanki. Ukongeza, ngesibonelelo esibanzi esigubungele zonke iintlobo zeemveliso.

Ngenxa yale meko intsha yoqoqosho, iidipozithi ziyekile ukuba nomdla kubaxumi, kwaye ayothusi into yokuba imali yabo bayigcina kwezinye izinto ezinomtsalane nezinemveliso, enika inzuzo enkulu ngoku. Ayisiyongcipheko, kuba ukuze sandise ezi zinto zingentla kufuneka sizidibanise nezinye iiasethi zemali. Kwaye hayi ngokuchanekileyo, kodwa kwezinye iintengiso ezihlumayo: izinto zokwenza izinto, izinyithi ezichanekileyo, njl..

Oku kuqinisekisiwe kwingxelo yonyaka ka-2014 elungiswe nguMbutho wamaZiko aTyala aManye amaTyala (i-Inverco), eqaqambisa utshintsho kwimikhwa phakathi kwabasindisa iSpain. Akumangalisi ukuba ngeli xesha ubunzima beedipozithi kwiipotifoliyo yeasethi yeentsapho zaseSpain zehle ukusuka kwi-42,3% ukuya kwi-39.8%.

Ngelixa oku kuvuza kwemali kukwaye ijolise kwingxowa mali izixhobo zotyalo-mali ngokudibeneyo kunye neengxowa-mali zepenshini. Njengesicwangciso sokuphucula iiakhawunti zakho ngokona mveliso zinemali.

Amaqhinga okwandisa imbuyekezo yakho

Enye indlela yokunyusa inzala kwiidiphozithi

Ngaphandle kwayo yonke into, ayizukuba yinto engenakwenzeka kwaphela ukuba ufumane ukumiselwa phantsi kweemeko ezingcono zesivumelwano. Ngokuqinisekileyo kuya kuba nzima ngakumbi, kodwa ukutshintsha kweemarike kuvelisa iimodeli ezintsha, ezinye zazo zinobuchule ngokwenene, ezihlangabezana nolindelo lwakho njengomgcini. Ngokuqinisekileyo kuxhomekeke kwiprofayili yakho njengomthengi, kodwa nakweyiphi na imeko iya kuba yindawo onayo ukuze imali yakho ingahlali kwimali ebuyiselweyo enikezelwa ziidipozithi zemveli ezingaphezulu

Ziya kwahluka ngandlel 'ithile kubume bazo, ukusukela Okwangoku kuya kufuneka ubeke emngciphekweni izikhundla zakho kancinci, kodwa ekugqibeleni uya kuba nakho ukufikelela kweyona njongo uyinqwenelayo. Hayi ngeepesenti ezinomtsalane, kodwa ubuncinci ukuze kuthi ekupheleni konyaka iakhawunti yakho yokutshekisha ibe iyaqaqamba ngakumbi. Bayakuvumela ukuba uhlawule imali encinci, uthenge imodeli yeTV yamva nje, okanye ucwangcise uhambo kunye nosapho lwakho luphela.

Ukwenza umsebenzi wakho ube lula, iibhanki ziphuhlisa iindlela ezahlukeneyo zeshishini ukuze ulondolozo lwakho ludluliselwe kwezinye iimodeli. Ngamanye amaxesha, ukuqesha iimveliso ezininzi kwibhanki yakho yesiqhelo, kwaye kwezinye ukwandisa imigaqo yokusisigxina. Naluphi na utshintsho lunokuthetha ukuphuculwa kweshumi leepesenti kwiidipozithi eziqhelekileyo. Kwaye kweyona yoyilo yoyikekayo umahluko unokwandiswa ukuya kwinqanaba elinye okanye amabini okonyusa umndilili.

Isitshixo sokuqala: ukuhlawula ngokungqalileyo imali ebhatalwayo

Ngawona mava asebenzayo wokufezekisa ngokukhawuleza iinjongo zakho. Ekuphela kwento ekufuneka inyanzelwe ziibhanki kukuba unxibelelanise umvuzo wakho rhoqo kwiziko. Ukutshintshiselana ungenza isivumelwano sedipozithi ngenzuzo efikelela kwi-5%, njengesindululo sokuba i-Bankinter iphuhlise abathengi abatsha.

Nangona kunjalo, ayizukuba yonke into eya kuba yeyakho, ewe akunjalo. Ukuqalisa, ezi zinikezelo zisebenza kuphela kumaxesha amafutshane kakhulu okuhlala, kunqabile ukuba kudlule kwiinyanga ezi-6. Ngokunjalo, izixa zemali ezinokuthi zixhamle kwezi mveliso azifikeleli kuyo yonke imali oyigcinileyo, kodwa ngokuchaseneyo, zigubungela ubuninzi be-5.000 okanye i-10.000 euro. Kwaye kuzo zonke iimeko, zenzelwe abathengi abatsha, kwaye zilinganiselwe lixesha lokunyusa.

Isitshixo sesibini: zinxibelelanise nezinye iiasethi zemali

Ukuqhagamshela itanki kwezinye iimveliso kuhlala isisombululo esona sisebenzayo sokwandisa ukusebenza kwayo. Inokuba kwiimpahla ezivela kwimarike yemasheya, kodwa nakwezinye iimarike zezemali. Ezi mveliso ziqinisekisa inzuzo encinci (ejikeleze i-0,50%), kodwa ukuba ulindelo lokuhlaziywa kwe-asethi luyafezekiswa, banokufikelela kwi-3, 4 okanye ne-5%. Kodwa kuyo nayiphi na imeko ngaphandle kokuqinisekiswa, kuxhomekeke kwiimeko zeemarike zezemali.

Sisicwangciso-qhinga sentengiso esetyenziswa ziibhanki eziphambili ukugcina abathengi bazo abaphambili. Kwaye oko kufuna ixesha elide lokusisigxina, ukukwazi ukufikelela kwiminyaka emi-2 okanye emi-3. Ngeengxaki ezinkulu ekufuneka uzenzile zokurhoxisa, nokuba zincinci okanye zizonke. Kwaye bayakufuna umzamo omkhulu wezezimali kwinxalenye yakho, njengoko zenziwe phantsi kwexabiso elifunekayo, ngaphezulu kwe-10.000 yeerandi kuninzi lwezindululo zebhanki.

Isitshixo sesithathu: yandisa ixesha lokuhlala kwakho

Iya kuba lelona qhinga lokugcina onalo ekuphuculeni intsebenzo yolondolozo lwakho, nokuba incinci. Kuya kufuneka wandise ixesha layo ukuya kuthi ga kwiminyaka emi-2 okanye emi-3 ubuncinci. Njengomvuzo uya kufumana inzala eyongezelelweyo yezishumi ezimbalwa ngaphezulu kwezicwangciso zokuqala. Kodwa umbuzo omele uzibuze wona kukuba ngaba oku kunyuka kubuthathaka kufanelekile ukuba imali yakho ingasebenzi ixesha elide.

Enye yezona ngxaki ziphambili ekusebenziseni esi sicwangciso kukuba lixesha apho ubeke khona iiasethi zakho, naluphi na uhlobo lwenkcitho lunokuvela, nkqu nezo zingakhange zibonwe kuhlahlo-lwabiwo mali. Kwaye awunakukhetha ngaphandle kokubhenela kwesi sinyanzelo sexesha elide ukufezekisa ezi mfuno, kwaye ke, ukurhoxisa inzala ebonelelwa sisindululo esisayiniweyo.

Isitshixo sesine: ukubonelela abathengi abatsha

Njengenye indlela yokugqibela, awuyi kukhetha ngaphandle kokuya kwesinye sezibonelelo ezininzi ezibonelelwe ziibhanki ukutsala abathengi abatsha. Ziyanelisa kakhulu kwimidla yakho, kuba zikubonelela ngembuyekezo efikelela kwi-2%. Uneemodeli ezininzi onokukhetha kuzo, ukusuka kwindawo ekuthiwa yeyokwamkela, ukuya kwizibonelelo zesiko ebezisoloko zikho, kwaye zombini zibonisa ifilosofi yesi sicwangciso sentengiso.

Njengakwizindululo zangaphambili zengeniso esisigxina, kule meko zilinganiselwe kakhulu, kokubini kwixesha labo lokusisigxina nakumaxabiso aphezulu avunyelwe kwisivumelwano ngasinye. Kuphela xa ucinga ngokutshintsha iibhanki apho uya kukwazi ukukhetha enye yezi mveliso zokonga.

Kwaye iya kukubonelela ngamanye amanyathelo okwenza ukuba ukuqesha kwakho kucebise ngakumbi. Enye yeenzuzo zayo, nangona kunjalo, kukuba Ziimodeli eziguquguqukayo ezihlala zihlaziya kwaye ziqhelana nophuhliso oluveliswa licandelo leebhanki.

Iingcebiso ezintlanu eziza kuphucula iidipozithi zakho

Izindlela zokwandisa intsebenzo yedipozithi

Ngokuqinisekileyo awukho kwimeko yokutshintsha isicwangciso-qhinga sakho sotyalo-mali kunye nentloko kwiimarike ze-equity ukuphucula isikhundla sakho. Uya kukhetha ubuncinci kunye nokubuya okuqinisekisiweyo, nangona kusezantsi, kubungozi obubandakanyekayo kurhwebo kwiimarike zesitokhwe. Ngenxa yesi sigqibo, awuzukukhetha ngaphandle kokutshintsha indlela ocinga ngayo, kwaye bathathe inxaxheba kulawulo olusebenzayo ngakumbi lokonga kwakho. Iya kuba lithuba lokugqibela ukufezekisa iinjongo zakho.

Injongo yezenzo zakho ayizukuba yenye, ukuba xa kuphela unyaka iakhawunti yakho isempilweni ngakumbi ngenxa yokuma kwakho kolu hlobo lweemveliso zebhanki zesiko. Kuyinyani ukuba iimeko zentengiso azizukukunceda ukufezekisa oku, kodwa nokuba amandla entengiso aya kukuvumela indlela emfutshane yokufezekisa iinjongo zakho.

Ngayiphi na imeko, ulibale malunga nembuyekezo kwiminyaka edlulileyo, ngekhe uphinde ubabone, ubuncinci kwixesha elifutshane neliphakathi. Nangona nasiphi na isigqibo esenziwe yi-European Central Bank (i-ECB) yokunyusa ixabiso lemali-njengoko kuyakwenzeka e-United States kungekudala- izakunceda imida yenzuzo kwiidiphozithi ziphucule kwezi nyanga zimbalwa zizayo. Okwangoku, awuzukukhetha ngaphandle kokungenisa naziphi na kwezi ngcebiso zilandelayo.

  • Zama ukuhlalutya izibonelelo ezahlukeneyo ekucetyiswa ukuba ziibhanki kuweMhlawumbi ezinye zazo zilungele iprofayili yakho njengomgcini, kunye nokusebenza okuphezulu.
  • Unokukhetha ukudibanisa irhafu yakho kunye neasethi yezemali, kwaye nangona ingazukuqinisekisa ukuba unomdla ongcono, Uya kuba nethuba lokuyiphumeza ukuba iimeko zentengiso ziyayibonisa.
  • Ayisiyo kuphela iibhanki zaseSpain ezikunika ezi mveliso, kodwa ezinye ezamazwe ngokusemthethweni nezisemthethweni kumhlaba wethu, ezinesisa esivumayo ngokwentlawulo yabo.
  • Usenokuba ucinga ngokutshintsha iibhanki okwethutyana, kwaye ukubonakala kwezithembiso zokwazisa abathengi abatsha sisizathu esifanelekileyo sokwenza le ntshukumo kwiiakhawunti zakho zobuqu.
  • Kwaye okokugqibela, unokungayazi loo nto ungavula idiphozithi kwezinye iimali (iponti, idola, ifranc yaseSwitzerland, yen yaseJapan, njl., nangona ngexabiso lokuthatha umngcipheko omninzi ekusebenzeni. Nangona utshintsho luza kuba luncedo kuwe, uya kuba nakho ukuvela uqiniswa lutshintsho kwimodeli yolawulo.

Izimvo ezi-2, shiya ezakho

Shiya uluvo lwakho

Idilesi yakho ye email aziyi kupapashwa. ezidingekayo ziphawulwe *

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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.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.

  1.   sergio sitsho

    Umxholo awunangqondo ...

    1.    jose sitsho

      Ewe iidiphozithi azikuniki ngaphezulu kwe-1%. Ndiyaxolisa.