Indlela yokutyala imali oyigcinileyo kwiipheripheral bond?

ibhonasi

Enye yeendlela zakudala zotyalo-mali kukusebenzisa iibhondi. Kodwa awungekhe ulibale ukuba le yimveliso yezemali ethiwe thaca phantsi kweendlela ezininzi. Ewe, ngaphezulu kunokuba unokucinga kwasekuqaleni. Ngokuchanekileyo esinye sezindululo senziwe ngombala obizwa ngokuba ziipheripheral bond. Hayi ngelize, yenye yeendlela zokubheja onokuthi uthathe ithuba lokwenza i lo ndolozo ukususela ngoku ukuya phambili

Kodwa ukuze uguqulele olu khetho kutyalo-mali, awusenaso esinye isisombululo ngaphandle kokwazi olu hlobo lweemveliso kunye nendlela onokutyala ngayo iiasethi zakho kuzo. Kuba, unamaqhinga aliqela ukuhlangabezana nale mfuno unayo. Izibophelelo zepheripheriti lolunye lolona tyalo mali lwemveli kwiphepha lokufumana imali Ijolise kwiprofayili egcinwe kakuhle yokugcina. Apho ukhuseleko lukhona ngaphezulu kwezinye izinto eziqwalaselwayo.

Ngokumalunga nenzuzo eveliswe yile mveliso yemali, kufanelekile ukuba ikhankanywe ukuba ayizukuzisa mbuyekezo. Ewe akunjalo, kodwa ukubuyisela inokunika uxolo lwengqondo ngakumbi ngamaxesha athile. Ungathatha ithuba le inkqubela phambili kwezoqoqosho ala mazwe ajikelezwe kuloo ndawo. Kwaye ngokusekwe kule nguqulelo, inzala enokubonelelwa ngotyalo-mali lwakho iya kumiselwa.

Iibhonkco ezinqamlezileyo: ubume bazo

Le mveliso yemali inokufumaneka ngokulula kwiimarike zezemali. Njengoko igama layo libonisa, injongo yayo lityala loluntu lwamazwe akumazantsi kwilizwekazi elidala. Phakathi kwabo bavelele ISpain, iPortugal, i-Itali neFrance njengezona zizwe zichaphazelekayo. Babonakaliswe kuba kwezinye iimeko zezona zibuthathaka kummandla we-euro. Kwaye ungakwamkela ngokuchanekileyo ukuphucula imida yenzuzo enokukuxela ngalo naliphi na ixesha.

Ngokutyala imali kolu hlobo lwetyala loluntu, ubeka umngcipheko omkhulu kunakuzo zonke iibhondi ezisinyibilikisayo, ezinjengezo zivela kumazwe akuMbindi weYurophu naseScandinavia. Ngenxa yolu phawu lukhethekileyo, its ukuguquguquka iphezulu kakhulu kunakwamanye amaxesha. Kodwa nangona lonke uhambo lwayo lincinci kwaye eyona meko ilungileyo ikwixesha elifutshane neliphakathi. Apho unokufumana khona imbuyekezo enomdla kakhulu kulondolozo lwakho. Njengoko kwenzekile kule minyaka idlulileyo. Njengomphelelisi ofanelekileyo wokuma ipotifoliyo yakho yotyalo-mali ngendlela echanekileyo.

Indlela yokwenza utyalo-mali?

utyalo mali

Ukuba ukusukela ngoku isigqibo sakho kukutyala imali oyigcinileyo kwenye yeebhondi zeperipher, uya kuba nezinye iindlela ezininzi zokwenza isigqibo sakho. Enye yezona zinto zilula kukuthenga ezi bhondi ngokuthe ngqo kwiimarike zabo zezemali. Ungawenza ngokusesikweni lo msebenzi ngebhanki yakho okanye nangabalamli bezezimali. Kuya kuba nguwe oya kukhetha i-asethi yezemali oyifunayo, nokuba yi-Spanish, isi-Italiya okanye isiFrentshi. Naziphi na kuzo unokuzibandakanya ngesi sicwangciso sotyalo mali.

Ukongeza, iikhomishini zihlukumeza ngenene, kodwa ngokuchaseneyo, zihamba phantsi kwemida yorhwebo eyamkelekileyo kuninzi lwamakhaya. Ngesi sizathu, yenziwa njengemveliso efanelekileyo kakhulu kuzo zonke iiprofayili ezinikezelwe ngabatyali mali abancinci nabaphakathi. Ngaphandle komngcipheko okhethekileyo ukusuka kumzuzu oqeshwe ngawo. Nangona kunjalo, ifuna ingcebiso eyoneleyo evela kwiziko lezemali ngokwalo okanye kumhlalutyi wentengiso yezemali.

Ifakiwe kwingxowa mali

Kuzo zonke izinto, ukutyala imali kule klasi yeebhondi zikazwelonke olona luvo lusekwe ekuqeshweni kweemali zotyalo-mali ezibonelela ngale asethi yemali kubume bayo. Zizo kanye ezo ingeniso abo bathabatha le ngcamango, nangona ixutywe ingangenisa ukufakwa kwezi bhondi. Kodwa kule meko, ukudibanisa kunye nolunye uhlobo lotyalo-mali kwaye ngokubanzi unomvuzo oguqukayo njengowamkeli wakhe ophambili. Oku kuthetha umngcipheko omkhulu njengesicwangciso sokuphucula umdla oya kuya kwiakhawunti yakho yokutshekisha. Kodwa ekupheleni kosuku iya kuba nguwe oya kuba nelizwi lokugqibela kwesi sigqibo.

Uncedo lwakho oluphambili sisibonelelo esibalulekileyo onaso kule klasi yotyalo mali. Uninzi lwabaphathi abakhoyo kuzo zonke iimarike zezemali. Unokhetho oluninzi njengeebhonasi zezi mpawu. Kodwa uya kuvelisa ngemali yotyalo-mali umahluko omkhulu kutyalo-mali lwakho. Kuba iyakukunceda ungagxili kuwo onke amagalelo ezoqoqosho kwibhasikithi enye yeeasethi zemali. Ngale ndlela, uya kuba kwimeko engcono yokukhusela izikhundla zakho kwiimarike zezemali ukusukela ngoku.

Ngayiphi na imeko, ukuba ukhetha nasiphi na kwezi zindululo, awuzukukhetha ngaphandle kokucinga ukuba kungabandakanya ngaphezulu kwekhomishini enye ngexesha lokuqesha. Ngepesenti efikelela kwinqanaba eliphezulu malunga neepesenti ezi-2,5. Ingcebiso eluncedo kakhulu eza kuza iluncedo kule mali yotyalo-mali kukuyijonga kwakhona amaxesha ngamaxesha. Ngenxa yesidingo sokuba kufuneka uguqule ukwenziwa kwepotifoliyo yezokhuseleko. Ngenxa yokuba, iibhondi ayisiyomveliso ekufuneka unayo kwipotifoliyo yakho ixesha elide. Kodwa ngokuchaseneyo, kwiimeko ezizodwa kwaye oko kuya kugqitywa kukuvela koqoqosho. Zombini kuzwelonke nakwimbono yehlabathi.

Zizisa ntoni ezi bhonasi?

kowethu

Ukuhambisa olu khetho kutyalo-mali, kuya kufuneka ujonge izibonelelo ezinokukuzisela iibhondi zala mazwe aseYurophu. Ngenxa yokuba kuya kubakho ngaphezulu kwesinye, njengoko uya kuba nakho ukuqinisekisa ukusuka ngoku ngoku. Phakathi kwazo kukho oku kulandelayo esiza kukubonisa apha ngezantsi. Ziya kuba luncedo kakhulu ukuze ukwazi ukuphucula imisebenzi yakho ngokwembono eyahlukileyo.

  • Ngokwesiqhelo inzuzo yayo ayizukutsala umdla wakho, kodwa ukubuyisela uyakonwabela ukhuseleko olukhulu. Kuba ngokwenyani, awuyi kuphulukana nesixa semali esikhulu ngeebhonasi zepheripher. Zincinci kuphela izixa-mali ezityaliwe ngale mveliso yemali.
  • Awudingi ulwazi olukhethekileyo ukuqonda oomatshini boku kutshintsha. Kungenxa yesi sizathu ukuba ilunge kakhulu kulo naluphi na udidi lwabatyali mali. Ukusuka kwezona zinoburharha kwabo basekela isenzo sabo kwiindlela ezininzi zokuzigcina.
  • Iindawo ekuya kuzo ezi bond zikhona iindawo ezahlukeneyo zejografi ke unokukhetha eyona ifanelekileyo ngawo onke amaxesha. Akumangalisi ukuba bahlelwe njengemveliso ebhetyebhetye ngakumbi kunezinye izinto ezivela kwii-equities kunye nengeniso esisigxina. Kude kube kudityaniswa nezinye iiasethi eziyimali ezifuna imali ngakumbi kwiimali zotyalo mali.
  • Bano ukuphelelwa Kuya kufuneka uthobele onke amatyala ukuze ubuyise imali oyityalileyo. Isenokuba ukusuka kwiinyanga ezimbalwa ukuya kwiminyaka eliqela, kuxhomekeke kwiimfuno zakho zokwenyani zotyalo-mali. Kuba iya kuba nguwe oya kuthatha isigqibo malunga nendawo oya kuyo.
  • Izibophelelo zepheriphethi zilungelelaniswe kulo lonke uhlahlo-lwabiwo mali losapho. Ngengqiqo yokuba banokubhaliselwa kwixabiso eliphantsi kakhulu. Lo ngomnye umahluko ophambili ngokubhekisele kwezinye iimveliso zotyalo-mali, ngakumbi ezo zinxulunyaniswa namashishini.
  • Ngandlela thile, iyahambelana nesicwangciso khusela imali yakho kwezona meko zibi. Ukuya kwinqanaba lokuba inokubanjiswa kwixabiso lokubalekela lobomi bonke. Apho baya kukubonelela ngokhuseleko ngakumbi ukugcina ilifa lakho. Akumangalisi ukuba iibhondi zisilela kwiipotifoliyo ezikhuselayo.
  • Kunjalo ngekhe uthenge uthengise ngokungathi kukhuseleko lwezabelo kwimveli. Ukuba akunjalo, ngokuchaseneyo, kuya kufuneka uyamkele imiqathango yesivumelwano, ethi ngandlela zonke ibe ngqongqo. Kungenxa yokuba azidweliswanga imihla ngemihla, kodwa endaweni yoko phawula amaxabiso azo ekupheleni kweseshoni nganye.
  • Eli klasi leebhondi linxibelelene ngokusondeleyo ipremiyamu yomngcipheko. Ubukhulu becala izibonelelo zayo ezinokubakho ziya kumiselwa kukuvela kolu tshintsho lubalulekileyo lwezoqoqosho. Yiyo eya kwenza le mveliso yemali ikunike olunye okanye olunye uhlobo lomdla. Yinto ebonakalise ezi bhondi kule minyaka idlulileyo.
  • La Ingxaki ye-euro Yenye yeengozi zayo eziphambili ukuze ikwazi ukuphucula imbuyekezo ekubonelela ngayo kulondolozo lwakho. Kungenxa yokuba inovakalelo kakhulu kwiingxaki kwiimarike zemali. Njengeeasethi ezimbalwa zemali okwangoku. Ukusuka kweli nqanaba kuyimveliso ekhethekileyo yezemali. Kwaye ke kufuneka uyazi ngalo lonke ixesha.
  • Ngelixa inzuzo enkulu kutyalo-mali lwakho yile zifikeleleka lula. Ngonikelo olubanzi kwimarike yezemali. Ukusuka kwibhanki yakho awuyi kuba nangxaki yokwenza ukuba lube semthethweni naluphi na uhlobo lomsebenzi.
  • Awunakho ukuwasebenzisela ixesha elide ngokugqithileyo kuba anokukukhokelela kwizikhundla ekunzima kakhulu kuzo ukuba ube ngumtyali mali omncinci nophakathi. Kwi amaxesha amafutshane apho iibhondi zepheripher zisebenza ngakumbi. Yinto ekufuneka uyicinge ukusukela ngoku.

Izimvo, shiya eyakho

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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.   umntu onemali sitsho

    Izibophelelo zepheripherali zifumana ukuthandwa kwihlabathi eliphantsi lokubuya. Ngaphandle komngcipheko ophakame kakhulu kutyalo-mali lwebhanti yomda, abatyali mali abaninzi babonakala ngathi bacinga ukuba iimarike zebond kumazantsi eYurophu zibonelela ngembuyekezo ehlengahlengisiweyo yomngcipheko xa kuthelekiswa nolunye udidi lweeasethi.

    Ukukhula okubuthathaka kwehlabathi, ukungaqiniseki ngokwezopolitiko kunye nemigaqo-nkqubo yeebhanki esembindini kwihlabathi kubangele ukungaqiniseki okukhulu kwintengiso. Oku kuye kwaxhokonxa amabango otyalo mali anamandla okwenza iiasethi ezinengeniso kunye neendawo ezikhuselekileyo, ezinje ngokuma okudala, iibhondi zikarhulumente ezikumgangatho ophezulu.

    Khetha isicwangciso sakho phambi kwemarike yemasheya kwaye uhlala ulungiselelwe wena.