Zithini iidiphozithi ezakhiweyo?

yakhiwe

Ukuba le nto uyicingayo kukuba iidiphozithi ezakhiweyo zifana nezesiko obukade usebenze kuzo kude kube ngoku, ubuphosakele. Akumangalisi ukuba, zinomahluko omkhulu njengoko ziyimodeli yotyalo-mali eyahlukileyo ngokupheleleyo. Ukuza kuthi ga kwinqanaba lokuba bachaze iimpawu ezibenza badlulise iimveliso ezinobunyani ubuntu botyalo-mali. Ngayiphi na imeko, iya kuba yenye yeendlela ezizezinye onokuthi uzenze ukuze ulondolozo lube nenzuzo ukusukela ngoku.

Ukuba iidipozithi ezihleliweyo zahlulwe yinto, kungenxa yokuba awuyinikeli imali oyityalileyo ukuba nje uyayihlonipha imihla ebekiweyo ezi mveliso zezemali zijolise kuyo. Ayothusi into yokuba nganye yazo ine umhla wokuphela, nokuba yeyiphi na iasethi eyimali ebhalwe ngayo. Ngamaxesha ahlukeneyo ukuze bakwazi ukulungelelanisa nayiphi na iprofayili yomtyalomali omncinci nophakathi. Ukusuka kwezona zinoburharha kuye kwezona zikhuselayo, kungabikho mda kulo naluphi na uhlobo kule meko, ngaphaya kwemeko yedipozithi eyakhiwe ngokwabo.

Kuya kufuneka uthathele ingqalelo ukuba okoko ugcina utyalomali lwakho ngexesha ekuvunyelwene ngalo awuyi kuba nangxaki gcina yonke imali oyityalileyo. Oko kukuthi, iipesenti ezili-100 zemali oyenzileyo oyenzileyo kule mveliso yezemali. Ingxaki iya kuvela ukuba awuyihloniphi le mihla ibekiweyo, kwaye kwimeko apho unokulahlekelwa yinxalenye yemali etyalwe. Njengokuba kutyalomali kwiimarike ze-equity. Ngayiphi na imeko, unokukhetha ixesha eliphakathi kweminyaka eli-1 ukuya kweli-10. Kubhetyebhetye kakhulu kwaye ke unokuhlangabezana neemfuno zakho zemali.

Ulungelelwaniso: inxenye okanye iyonke igalelo

Ngokuchasene noko, ukuba ufuna inxenye okanye lonke utyalomali, kulapho iingxaki zokuqala zingavela. Ngengqondo yokuba ukuba ufuna ukubuyisa imali yakho, ngokuyinxenye okanye ngokupheleleyoPhambi kokuphela kwekota, ungazenza ngeefestile zenyanga zokuhlawula amatyala ezi zinto zivelwayo. Kodwa kule meko ithile, ayinakuqinisekisa lonke utyalomali. Ukuya kwinqanaba lokuba ungaphulukana nemali ethile ekusebenzeni.

Yimveliso yebhanki onokuyiqesha kwii-euro nje ezili-1.000 XNUMX. Ngexesha elithile lokuqesha: nje ukuba ixesha lokubhalisela okanye inani elipheleleyo lokuzibophelela liphelile, akunakwenzeka ukuba uqeshe kwakhona. Njengoko ubona, ayisiyiyo imodeli yotyalo-mali konke okufuna kwaye ngale ndlela inokuthi ifumaneke ngeyona dipozithi iqhelekileyo kwintengiso. Oko kukuthi, ngokungathi lelinye ixesha lerhafu, elinomahluko okhoyo.

Bachazwa njani?

Iidiphozithi ezakhiwe akunyanzelekanga ukuba zibotshelelwe kwingeniso esisigxina, njengoko kubonakala kufanelekile. Nokuba ziimarike zamasheya. Ukuba akunjalo, ngokuchaseneyo, banokuvela nayiphi na i-asethi eyimali, ezinjengebhentshi yaseYurophu, eyaziwa njenge-Euribor. Apho banethuba lokubhalisela eli lingqongqo kakhulu kwaye ukuya kuthi ukuba ungaphezulu kwemihla awuyi kuba nakho ukubhalisela phantsi kwawo nawuphi na umba. Ayithandi kwiidipozithi zemveli onokuthi uzenze yenze ibe semthethweni ngalo mzuzu xa ucinga ukuba kulula ngakumbi ukuvala umsebenzi.

Oomatshini bokuqesha balula kakhulu kuba zintathu iintsuku zeshishini lokuba ubenenye Ukugcinwa kwiakhawunti ehambelana nayo kwidipozithi yemali eceliweyo. Kodwa ukuba ngaso nasiphi na isizathu akukho mali yaneleyo, isicelo siyakucinywa. Lo ngumahluko omncinci owahlula kwezinye iimveliso zezemali. Ngaphandle kweendlela zayo zobuchwephesha ezingqinelana nelinye icandelo elahluke ngokupheleleyo neliza kuhlalutywa kwamanye amanqaku. Kwelinye icala, kukwakho nomhla oya kusebenza ukuseta amaxabiso kwaye oko kuya kugqiba ngenzuzo yokwenyani yeedipozithi ezakhiweyo.

Inzuzo yokwenyani yezi dipozithi

inzuzo

Usenokuba uyazibuza ukuba lithini inqanaba lenzala oza kulifumana kwiidipozithi ezakhiweyo Ewe, iya kuba nokhuphiswano ngakumbi kunezinye iimeko. Ngeli xesha inokufunyanwa phakathi kwe-0,20% kunye ne-0,90%, Kuxhomekeke kwimodeli ekhethiweyo. Apho, le mveliso intsha iyakuhlawula imveliso iya kuhlawula isigqebhezana ngepesenti ehambelana nayo yenzuzo. Inoveli xa ithelekiswa nezinye iindlela zokwenza imali eyimali eyongezelelekileyo ibe yinzuzo.

Kwelinye icala, awungekhe ulibale ukusukela ngoku ukuba ezi dipozithi zikhethekileyo zibonakaliswa ngokuntsonkotha ngakumbi kunabanye. Ukongeza, abanomdla kwiidiphozithi ngenxa ye- imihla ebekiweyo ephezulu Kuthengiswa ngazo. Ukuya kwinqanaba lokuba kukhethwe olunye udidi lweemveliso ezilungiselelwe ukonga. Akumangalisi ukuba ukunyuka kwenzuzo akubetheki kakhulu kwaye kuyinyusa kuphela ngeshumi lepesenti. Njengenye yeengxaki ezingundoqo ekubhaleni iidipozithi ezilungelelanisiweyo.

Ukubophelela kokunyanzelwa

petroleum

Kukho amakhonkco amaninzi kwezi mveliso njengoko kukho iiasethi zemali kwaye ke, ngokomzekelo, iBanco Santander eyakhiwe kwii-euro inxulunyaniswe nezokhuseleko zeVodafone, i-Eon, i-Eni neOrange. I-BBVA, kwicandelo layo, icamngca kulondolozo lwayo inikezela ngesalathiso esakhiweyo kwizabelo zeRepsol. Ngayiphi na imeko, ukuba umsebenzisi unqwenela, angabhekisa kule modeli yokugcina ku ezinye iimali, ngakumbi ngedola yaseMelika. Nangona iziphumo zayo ziya kwahluka ngokuxhomekeka kwixabiso lazo kwiimarike zezemali, kunye nokuguquguquka okukhulu kulindelo olunikezelayo ngalo mzuzu.

Kwelinye icala, kukho izinto zebhanki ezininzi ezigqibe kwelokuba zibheje ekuphuculeni inzuzo kunye needipozithi ezinxulumene nazo amasheya, ii-indices okanye ukusebenzisana kwemali. Yindlela engathanga ngqo yokuzibeka kwizabelo ngaphandle kokuthatha umngcipheko omninzi. Kungenxa yokuba izikhundla ezingalunganga kwezi asethi zemali ziyancitshiswa kwaye ukuya kuthi ga kwinqanaba lokuba iilahleko aziphezulu kangako njengoko zinokwenzeka kwezi mveliso zikhankanyiweyo. Ngale ndlela, ngumxube okhethekileyo phakathi kwengeniso esisigxina kunye neemodeli zotyalo-mali zakudala.

Iimpawu zolwakhiwo

Igalelo lediphozithi ezicwangcisiweyo zichazwe kakuhle kwaye, okokuqala, zibonelela ngenqanaba eliphezulu lenzala, eliphakathi kwe-0,20% kunye ne-0,70% ngegama. Nangona kunjalo, isixa sayo sokugqibela sixhomekeke kwipesenti ye- Ulwabiwo mali nokusuka kwingxowa-mali ukuya kwiasethi yotyalo mali ekhethwe ngumsebenzisi. Ngomnye umthambo, into yokuba enye yeengxaki zalo hlobo lwemveliso ayiyazi inzuzo yokugqibela esiza kuyifumana ekuphelelweni kwayo ayinakuze iqatshelwe. Ngokungafaniyo needipozithi zemveli apho inzuzo eza kufumaneka yaziwa kwasekuqaleni.

Apho kukho ukungangqinelani okucacileyo, kukhuseleko olubonelela ngokuqesha kwakho. Kuba, iyimveliso ekhuselekileyo kuba ilawulwa yiBhanki yaseSpain kunye neNgxowa-mali yesiQinisekiso sedipozithi. Ukuqinisekisa ukuya kuthi ga kwi-100.000 euros ngengxowa-mali kunye nesihloko nasiphi na isiganeko esinokwenzeka kumnikeli. Nokuba yeyiphi na imeko efanayo kunye nequmrhu apho kuqeshwe khona. Akunakulityalwa ukuba zilawulwa yiKhomishini kaZwelonke yoThengiso lwezoThengiso (CNMV), inika ukhuseleko olukhulu kumfaki mali.

Zeziphi iingxaki zayo?

ngxaki

Nokuba yeyiphi na indlela, ukubhalisa kwakho kuthwala uthotho lobuthathaka ekufuneka ubuthathile ingqalelo ukuze ubone ukuba kufanelekile okanye hayi ukubenza ngokusemthethweni. Phakathi kwazo kukho oku kulandelayo esikuvezayo apha ngezantsi:

  • Iidipozithi ezakhiweyo zisebenza ngaphakathi iimarike ezizisekondari kwaye ngenxa yoko uya kuba neengxaki ezininzi zokulungisa izikhundla ngexesha olifunayo.
  • Izinto ezinobungozi obuphezulu zikhona, ezinje ngezo zinxulumene ityala lebhanki Kwaye banokudala enye ingxaki kutyalo mali.
  • Iimarike apho iinkampani ezakhiweyo zisebenza khona zibonakaliswa yinto yokuba zibonakala ngokungabikho kwi ukongamela kwangaphandle. Into ethintela umda kukhuseleko olunikezelwa yile mveliso yemali.
  • Bakumngcipheko othile ngokubhekisele kwiiasethi zemveli kuba iimarike zasesekondari abaza kusebenza kuzo zivelisa amatyala amancinci. Le yeyona nto ibaluleke kakhulu kutyalo-mali lwakho olulondoloziweyo kwimveliso yezemali.
  • Kwaye okokugqibela, mhlawumbi ayikubuyekezi ukuqesha kwakho ngenzuzo abayinikelayo ngalo mzuzu kwaye inokwenza ukuba ukhethe ezinye iimodeli zokugcina ezintsonkothileyo kwaye ngaphandle kwemingcipheko emininzi.

Ngokuchasene noko, iidipozithi ezilungelelanisiweyo zikuvumela ukuba ubhence kwiindidi ezahlukeneyo zeeasethi zemali, ezinye zazo ongazange wazithathela ingqalelo izikhundla zokuvula ukuze wenze imali yakho ibe nengeniso. Kwelinye icala, igcina ulwaneliseko olunobulumko xa ilinganisa inzuzo yayo kunye nemingcipheko evelisiweyo ekusebenzeni kwayo. Kwaye inyani yokuba utyalo-mali lunokwenziwa ukuhambelana nawe ngenxa yezona mpawu zibalulekileyo. Ngaphandle kokulibala, ewe, banokukunceda ukuphucula ukusebenza ukuba ulindelo lwenziwe ekugqibeleni. Ngokubuyiselwa kotyalo-mali ekukhuleni, okusekupheleni kosuku ukuba kungantoni na.


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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
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