Zintoni iimveliso ezakhiweyo?

yakhiwe

Iimali zotyalo mali yenye ye izixhobo ezikhethiweyo yinxalenye elungileyo yabatyali mali abancinci nabaphakathi. Kodwa kwimowudi yayo eyakhiwe, inika ifomathi apho inzuzo inokuphakama kuneemodeli zesiko. Nangona kunjalo, izisa umngcipheko ngakumbi ekusebenzeni kuba iyimveliso yezemali enzima ngakumbi efuna ulwazi lwabasebenzisi. Kungenxa yesi sizathu ukuba ayifanelekanga kuzo zonke iiprofayili zabatyali mali abancinci nabaphakathi. Kodwa ngakumbi kwabo banamava ngakumbi kolu hlobo lokuhamba kwiimarike zemali.

Iimveliso ezilungelelanisiweyo ngokuqinisekileyo sisicwangciso esisebenzayo sokukhawulezisa intsebenzo ebuthathaka enikwa yi iimveliso zebhanki. Umzekelo, iiakhawunti ezinengeniso ephezulu, iidipozithi zexesha okanye nayiphi na enye into ethathwe kwityala loluntu. Apho kuzo zonke inqanaba le-1% alidluli ngokulinganayo ngenxa yexabiso eliphantsi lemali kwindawo ye-euro. Ukuya kwinqanaba lokuba ziimveliso ezinenzuzo kugcino gabalala ngokubanzi

Kwelinye icala, kufanele ukuba kuqatshelwe ukuba iimveliso ezakhiweyo zibonakaliswa ngokukodwa bubume bazo, ukuya kuthi ga kwinqanaba lokuba zahluke kakhulu kwimali eqhelekileyo yotyalo-mali. Ngale ndlela, ziqulathe umanyano lweemveliso ezimbini okanye ezingaphezulu zemali phantsi koyilo olufanayo okanye ulwakhiwo. Ngokwesiqhelo, eyona ixhaphakileyo kukudityaniswa kwemveliso yengeniso esisigxina kunye nenye okanye ezinye ezivela ngaphezulu. Ngenxa yale ndlela, inzima kakhulu kunezinye. Kwaye njengoko kusengqiqweni ukuqonda, banomngcipheko omkhulu kuba abaqinisekisi ukubuya okungagungqiyo minyaka le.

Iindidi zeemveliso ezicwangcisiweyo

Ukuba sihlengahlengisa umngcipheko wokuba olu didi lweemveliso lunokubandakanya, siyabona ukuba inokwahlulwahlulwa kube ngamaqela amabini achazwe kakuhle kwaye yiyo le siyibhengeza ngezantsi:

Imveliso eyakhiwe kunye nesiqinisekiso semali Ekuvuthweni: ngaba ezo mveliso zezezimali zinoxanduva lokubuyisa yonke imali oyityalileyo xa sele ukhulile. Kwimeko nayiphi na into, ngabo abenza ingozi encinci phakathi kwabatyalomali abancinci nabaphakathi kuba belawulwa yiBhanki yaseSpain ngokwayo kwaye ihlanganiswe yiNgxowa-mali yesiQinisekiso seDiphozithi. Ukuziqhelanisa noku kuthetha ukuba bayasiqinisekisa ukuya kuthi ga kwi-100.000 euros ngomntu ngamnye kunye nemveliso, njengoko kunjalo nakwidipozithi yebhanki yexesha elimiselweyo.

Enye imodeli, eyinkimbinkimbi ngakumbi, yile ibhekisa kwiimveliso ezakhiweyo ezinobungozi. Kule meko, ngabo abo abanaso isiqinisekiso semali Ekuvuthweni nasekubuyeleni kwayo iya kulungiswa kukuvela kweasethi ephantsi. Le yeyona nto ichazayo ukuba zinzima ngakumbi kwaye zinokubangela ukuba ulahlekelwe yimali kwizikhundla ozivulileyo kuzo. Njengakwimodeli yangaphambili, zilawulwa yiBhanki yaseSpain uqobo kwaye zigutyungelwa yiNgxowa-mali yesiQinisekiso seDiphozithi. Sesona siqinisekiso sikhulu sinikwe abanini baso.

Utyalo-mali oluzinzileyo

Ukuba into oyifunayo kukhuseleko lotyalo-mali lwakho ngaphezulu kwezinye izinto, le yimeko enokuthi yanelise umnqweno wakho. Hayi ngelize, kuya kufuneka uhlalutye ukuba ekupheleni kosuku uyakube utyala imali yakho kwidiphozithi kwinzala eqinisekileyo neqinisekisiweyo. Kodwa ukuba ufuna ntoni, ngokuchaseneyo, kunjalo ngeniso e phezuluKukho iifomathi ezihloniphayo esi sigqibo kwicandelo ledipozithi elakhiweyo. Oko kukuthi, uya kutyala imali kwidiphozithi eyakhiwe ngokwenzala eyahlukileyo.

Kwimeko yedipozithi emiselweyo, inzuzo iya kuhlala iqinisekisiwe. Ngelixa ngokuchaseneyo, kwimeko ye- itanki eguqukayoInzala iya kugqitywa kukuvela kwe-indices ye-asethi apho utyalo-mali lwenziwe khona. Lo ngumahluko omkhulu phakathi kwezi zicwangciso-mali zimbini. Kodwa ngaphandle kokushiya imveliso enye, yeyiphi enye yeempawu zayo eziphambili ngokubhekisele kwezinye iimveliso ezilungiselelwe utyalo-mali. Into enokutsala inani elifanelekileyo labathengi kwezi fomathi ziyilelwe ziibhanki kule minyaka idlulileyo.

Ingeniso esisigxina minyaka le

renta

Olunye uphawu olufanelekileyo lwale mveliso ibalulekileyo yinzuzo yayo. Kungenxa yokuba, gabalala, isiqinisekiso ukuya kwi-1% ngaphezulu kwexabiso ledipozithi edityanisiweyo, nokuba luhlobo luni lotyalo-mali olukhethwe ngumthengi webhanki ngokwakhe. Kwelinye icala, kufuneka kugxininiswe ukuba kwimeko yokusweleka ngengozi, isibonelelo esongezelelweyo siya kuba yi-51%. Kwidipozithi emiselweyo, kwelinye icala, iya kukhuthazwa ngenqanaba eliqinisekisiweyo lenzala, kwaye kwezo zilungelelaniswe kukuvela kwee-indices ezichazwe kwixesha ngalinye lesiqinisekiso esisekwe kwi-asethi edibeneyo.

Kwelinye icala, kuyathakazelisa ukwazi ukuba yintoni i-inshurensi yobomi ehambelana nayo. Kulungile ke, xa kunokwenzeka Ukusweleka kwe-inshurensi, I-inshurensi inikezela ngoncedo olongezelelekileyo lwe-1% yeeasethi ezinxulunyaniswe notyalo-mali, ngaphandle kwesizathu sokufa, kunye nemida esekwe kubudala. Kwimeko yokusweleka ngengozi, isibonelelo esongeziweyo siyakuba yi-51% yexabiso lotyalo-mali.

Ukufumana kwakhona imali ebekiweyo

inkunzi

Omnye wemibuzo uninzi lwabanini abanokubakho kwale mveliso yemali bayazibuza yona kukuba ingaba imali ngaphambi kokuphelelwa. Ewe, kule ngqiqo, kufanele kuqatshelwe ukuba kwishicilelo ngalinye kuchazwe ithuba lokuhlawulwa kwangaphambi kwexesha. Ixabiso lentlawulelo liya kusekelwa kwixabiso lentengiso lempahla enxulumene nayo. Nangona kunjalo, kunokwenzeka ukuba ezi modeli zotyalo-mali azinakubhaliswa ngaphandle kwexesha labo lokurhweba. Kwaye kuyo, akusayi kubakho khetho ngaphandle kokulinda umhla omtsha wokukhutshwa kwezi mali ziqinisekisiweyo zotyalo-mali.

Ngelixa ngokuchaseneyo, ikwakhona into yokuba kungenzeka ukuba ezi mali zenziwe zibe semthethweni ngaphandle kwamaxesha exesha. Kodwa ngokubuyela umva ngokunzulu kwaye yiyo loo nto banokuba njalo wohlwaywa ngeekhomishini eziphakamileyo kakhulu nangaphezulu kwesiqhelo. Ukufikelela kwinqanaba lokuba ingabeka esichengeni inzuzo yokugqibela yale ngxowa mali ikhethekileyo. Ukuqukumbela ukuba ayisiyonto inenzuzo, kude nayo. Endaweni yokuba iphethe umdla oya kusilela kuzo zonke iindawo zokujonga.

Iindidi zeemali eziqinisekisiweyo

Nokuba yeyiphi na indlela, le yenye indlela yokutyala imali iqinisekisa i-100% yotyalo-mali inxaxheba yokuqala. Nangona ikwaxabiseke kakhulu inyani yokuba ekugqibeleni kunokubakho okanye kungabikho nzuzo yimbi. Ngamaqela amabini amacebo otyalo-mali kwaye amelwe yimbuyekezo emiselweyo kwaye ngokwendalo eguqukayo. Ngokumalunga nefomathi yokuqala, kufanele kuqatshelwe ukuba, ukongeza kwinkunzi, iqumrhu elilawulayo liqinisekisa ukufumana imbuyekezo eyongezelelweyo, edla ngokubonakaliswa kwinqanaba lenzala elinokufikelela kwi-1% okanye kwi-2%.

Ngokubhekisele kwiimali zembuyekezo eziguqukayo, iindlela ezahlukileyo zahluke kakhulu njengoko uza kubona ngezantsi. Kuba ngokusebenza, njengaleyo yesivuno esisigxina, Ukuqinisekisa inkunzi kunye nethuba lokufumana imbuyekezo eyongezelelweyo esekwe kwindaleko yesalathiso okanye isabelo. Kule meko, isicwangciso-qhinga sisekwe ekufezekiseni ubuncinci beethagethi ngokubhekisele kwixabiso lesitokhwe, amacandelo okanye ii-indices kwiimarike zezabelo. Ngale ndlela, ezi mali ziyafana kwiidiphozithi ezinxulunyaniswe neeasethi eziyimali ezidweliswe kwiimarike zezabelo.

Inzuzo eyongezelelweyo?

kowethu

Enye yeendlela eziphambili ngokubanzi phakathi kwezinto ezincinci neziphakathi kukumela ingxelo yalo mbuzo. Ewe, esona sitshixo siphambili kukuba banako okanye abanakho ukuhlangabezana nothotho lweemeko zokufumana kwakhona Ukukhutshwa kokuqala, ngaphandle kwelahleko ezinxulumene noko. Ngale ndlela, akusayi kubakho khetho ngaphandle kokuhlalutya ngokweenkcukacha zonke izinto ezinxulumene nokwakheka kunye nolwakhiwo lwayo kuba inokukunika into engaphezu kwesinye kwezi zimanga. Ayisiyomveliso ilula ukuyiphatha kwaye awuzukukhetha ngaphandle kokwazi oomatshini bayo ngobunzulu.

Kwelinye icala, akufuneki ulibale ukuba iimali ekuthiwa ziqinisekisiwe zithengiselwa a ixesha elithile, ekubeni kwiimeko ezininzi kungenakwenzeka ukuba yinxalenye yayo yakuba ivaliwe le window yentengiso. Ukusuka kule meko, kubalulekile ukuba ucetyiswe ngaphambi kokuba utyikitye ikhontrakthi yale mveliso yezemali ekhethekileyo ukuze ungafumani zinto zimangalisayo ukusukela ngoku.

Njengokuba kufuneka isiqinisekiso sisebenze, kwaye asizukubona lahleko kwikapitali yethu ukuba iimeko zentengiso zimbi. Apho kwiimeko ezininzi kuya kufuneka ulinde de kube sekupheleni kwayo. Ngokumalunga ngokusisigxina okuhamba kuluhlu olususela kwiminyaka emi-3 ukuya kwesi-5.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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