Izimali ezixhunyaniswe ne-Eurostoxx zivumela umtshalizimali ukuthi amele emalini yaseYurophu ngaphandle kokuvezwa ngqo emakethe yamasheya futhi, lapho kungadingeki nokuthi babheje ngokuphepha okuthile. Hhayi ize, uzotshala imali yakho ezinkampanini ezimele kakhulu esifundeni se-euro, yize kunengozi yokuthi ungayiqoqi ngokuphelele inzuzo engenzeka emakethe yamasheya yaseYurophu. Ngaphezu kokubandakanya izindleko namakhomishini aphakeme kunalawo ezimakethe zamasheya, kwesinye isikhathi ezingakhuphukela ku-3%.
Ngokuyisisekelo, bahlukaniswa nesidingo solwazi oluncane ngemisebenzi eyenziwa etholakala ekutshalweni kwemali enkombeni yemakethe. abukho ubungozi bemali, okungukuthi, imali yayo eyi-euro, njenge-Eurostoxx-50. Futhi ngoba yizinkampani ezihlanganiswe ngokuqinile kuma-panorama ebhizinisi ezwekazini elidala.
Ukutshalwa kwezimali okuncane ukufaka lezi zimali kuncike kuzimpawu zalowo nalowo wabo, kepha okwamanje kunemikhiqizo leyo Ungabhalisela amasheya akho kusuka kuma-euro angama-500 kuphela. Yize ukuze ukutshalwa kwezimali kukhiqize imiphumela oyifunayo ngokwezinzuzo zayo kuyadingeka ukuthi wenze iminikelo edingeka kakhulu. Empeleni, ukuqala ngama-euro ayizi-5.000 XNUMX nokwenza ukuhamba kwale makethe yezimali kube nenzuzo ethe xaxa.
I-Eurostoxx: ukwakheka
Enye yezindlela zabatshalizimali abancane nabaphakathi ukutshala imali yabo kumasheya ngaphandle kokucabanga ngobungozi obuningi kungukusebenzisa izimali zokutshala imali ezisuselwa kule nkomba yesitoko. Kungaholela ekuzuzeni imiphumela emihle kakhulu yezomnotho okufanele ikhonjiswe yiminotho yase-Europe kulo nyaka, nokuthi ngokombono wabanye abahlaziyi bezimakethe zamasheya yibona abazoguquka kakhulu ezimakethe zamasheya, ngakho-ke, kubonakala entengo ezitokisini ezibalwe kule nkomba ekhethiwe yaseYurophu.
Inkomba ye-Eurostoxx-50 iyi- yakhiwa ngamasheya angama-50 afanele kakhulu endaweni ye-euro. Izinkampani ezingafakwa kule nkomba zivela emazweni alandelayo: i-Austria, iBelgium, iFinland, iFrance, iJalimane, i-Italy, iLuxembourg, iNetherlands neSpain. Ngalo mqondo, ukuphepha okubalwe kuyo futhi okuvela ku-Ibex-35 yizona ezisindayo: iSantander, i-BBVA, i-Endesa, i-Iberdrola neTelefonica.
Ukuphepha kukalwa ngokuya ngemibandela ye-capitalization, kucatshangelwa izinga le-float yamahhala, okuyigama lesiNgisi elisho imali ethantayo futhi esetshenziswa engxenyeni yesitoko sezimali senkampani noma inkampani ethengiswa ngokukhululekile emakethe yamasheya futhi engalawulwa ngabaninimasheya ngendlela ezinzile. Kumele kuqashelwe futhi ukuthi lesi silinganiso sezwekazi elidala kubuyekezwa minyaka yonke kucatshangelwa inani lamasheya nezinga lemali entantayo yalokhu maqondana nengqikithi.
Izinzuzo zokuqashwa kwakho
Izinzuzo eziyinhloko zokutshala imali ngezimali ezisuselwa ku-Eurostoxx, maqondana nokuthengwa okuqondile kwamasheya zicace bha, ikakhulukazi ngohlobo lomtshali-zimali onephrofayili elandelanayo, njengoba kungaba njalo kuwe, onqikaza ukuthatha izikhundla emalini ngokwesaba ukulahlekelwa yingxenye yenhlokodolobha etshaliwe, futhi ikakhulukazi ngemuva kokuwa okucijile emalini ekuqaleni kwalonyaka.
Ngokuyisisekelo ngoba udinga i- ulwazi oluncane Kusuka emakethe etholakala ekutshalweni kwemali enkombeni yemakethe ngaphandle kwengozi yemali (okungukuthi, imali yayo eyi-euro). Uma utshala izimali zomkhakha noma izimali ezivela emazweni asafufusa noma ngobungozi bemali, isibonelo, kufanele ube nolwazi oluhle ngazo ukuze ngandlela thile uhlole imakethe oyingenayo.
Uma ufuna ukutshala imali emakethe yamasheya kepha ungenalo ulwazi oludingekayo lokwenza kanjalo, uzoba nezinkinga ezimbalwa zokufaka isikhwama esikhonjiswe ku-Eurostoxx-50 kunokuthenga amasheya ngaphandle kwanoma iyiphi indlela noma isu elichaziwe. Enye inzuzo eyengeziwe efakwa yile nketho yokutshala imali ukuthi ngeke kudingeke uzichaze ngenani elithile. Ngaphezu kwalokho, izinkampani ezakha le nkomba zingaphansi kwemikhakha ehlukene kakhulu yezomnotho, ezikwazi ukwehlukanisa ukutshalwa kwezimali.
Amasu ekusebenzeni
Kodwa-ke, ungathola izimali ezixhunyaniswe ne-Eurostoxx ezibonakala ngokucabanga kwezilinganiso eziphakeme zokungazinzi nobungozi obuphezulu uma kuqhathaniswa nezinye ezinobungozi obuphansi. Futhi zinikezwa ngaphansi kwefomethi yezimali eziqinisekisiwe, ezihlinzeka ngokugcinwa ngokuphepha kwayo yonke imali efakiwe, yize kungenelwa inzuzo emenyezelwe ixhunyaniswa nokugcwaliseka kokunye izidingo, kwezinye izimo kunzima kakhulu ukuzifeza.
Esinye isici okufanele usicabangele yi- amakhomishini nezindleko ezibandakanya lezi zimali zokutshala imali: okubhaliselwe, idiphozi, ukubuyiselwa kwemali nokuphathwa okuvame ukwehluka phakathi kuka-0,5% no-5%. Isikhathi esinconyiwe sokuba unomphela kungenye ipharamitha ebabonakalisa ngoba ngokuvamile iphezulu kakhulu, ngaphezu kweminye imikhiqizo yezezimali, phakathi kweminyaka emi-3 nengu-5. Zihloselwe iphrofayili yomtshali-zimali onakekela kakhulu lapho ebheka khona esikhathini esimaphakathi nesikhathi eside.
Izici zalezi zimali
Ngaphandle kokugcina ukufana okuningi ngezimali eziningi ezitholakala emakethe yezezimali, akumangazi ukuthi kunomehluko othile obalulekile kuwe ukuwuthola ukuze uthole izinzuzo zokuthatha izikhundla kule mikhiqizo. Futhi lokho kungaba ngokulandelayo:
- Zenzelwe inkampani ngesisindo esithile esiphakeme yamasheya aseYurophu.
- Bangakwazi ukubhalisa kusuka eminikelweni engabizi kakhulu yawo wonke umuntu, nasezimalini ezinokuguquguquka okuphezulu kwabanye abanengozi encane.
- Bavumela ukubhalisela imikhiqizo yemvelo eqinisekisiwe ye- ukuvikela imali kufakwe yisilondolozi.
- Udinga i- ulwazi oluncane okususelwa ekutshalweni kwemali enkombeni yemakethe ngaphandle kwengozi yemali.
- Banikeza ithuba lokuzuza ekuhlolweni okungenzeka kwezokuphepha zaseYurophu ngaphandle kokuvezwa esikhwameni ngqo.
- Ngokuphambene nalokho, bavezwa uchungechunge lwezinto ezingathandeki ezizodingeka nokuthi wazi, ukuze ukwazi ukunquma ukuqashwa kwabo. Futhi kunoma yikuphi, kungathwala izingozi ezithile.
- Kuyimakethe yokulingana okungaziwa kancane ngabatshalizimali abaphakathi.
- Izindleko namakhomishini ziphakeme kakhulu kulabo abasuselwa kunkontileka yeminye imikhiqizo yezezimali, kwesinye isikhathi engafinyelela ku-5%.
- Kokuqinisekisiwe, ukuthola inzuzo ephezulu kakhulu uchungechunge lwezidingo kufanele kuhlangatshezwane nalo, ngezinye izikhathi kunzima kakhulu ukukufeza.
- Ezimweni ezithile kufanele cabanga ukuguquguquka okuphezulu kanye nengozi enkulu ekutshalweni kwemali.
- Imibandela yokusebenza unomphela kuziphakamiso eziningi ezinikeziwe ziphezulu ngokweqile ngezintshisekelo zabatshalizimali abanolaka kakhulu, ngoba zihloselwe isikhathi esimaphakathi noma eside.
Yimaphi amamodeli angabhalisela?
Ngaphansi kwalesi simo somhlaba wonke, izinkampani zokuphatha zithuthukise ezinyangeni ezedlule iziphakamiso ezahlukahlukene ukuze amaklayenti abo akwazi ukubhalisela umkhiqizo walezi zici nakwezindlela ezehlukene zokutshalwa kwemali. Umehluko wabo omkhulu ulele ekwakhekeni kwamaphothifoliyo abo, nasohlobo lwephrofayili le mikhiqizo ehloselwe kuyo. Abanye babo noma izinto ezintsha kakhulu abaphakamisa isikhuthazo esisha sokuqashwa kwabo.
Njengomphumela walo mkhuba, kunzima kakhulu ukukhipha okunikezwayo kwamanje, ngakho-ke, ungafaki noma iyiphi yalezi zimali zokutshala imali ekukhethweni okwenzayo kusukela manje kuqhubeke. Iziphakamiso zeqiniso ngeke uziphuthe, enziwe ngazo zonke izinhlobo zamasu. Futhi ufake nezimali zokutshala imali, lapho ungenza khona ukulondolozwa kwakho kube nenzuzo ezimweni ezimbi kakhulu zale makethe yemali engenayo eguquguqukayo. Ngamanye amagama, uma le nkomba iwela entengo yayo, uzothola izinzuzo ezinkulu zemali.
Manje udinga nje ukukhetha ifomethi yesikhwama evumelana kangcono nezimo zakho njengomtshalizimali omncane. Kungathatha isikhathi esithile, kepha ekugcineni uzozuza umvuzo wokukhanjiswa kwemali ngendlela efanele. Futhi lokho kungahamba (futhi kufanele) kuhambe igcwaliswe ngamanye amamodeli wesikhwama, engahlobene ne-Eurostoxx. Njengefomula yokuvikela izimpahla ezitshaliwe, futhi uthathe izimanga ezimbalwa ngangokunokwenzeka.
Hlukanisa utshalomali
Enye yezinhloso okufanele uzicabangele ngaleli qhinga ayikho enye gcina ukwehluka okuningi ngangokunokwenzeka. Ukuphakama kuba ngcono, kuzuzisa izintshisekelo zakho. Okunye okuheha kakhulu kulezi zimali zokutshala imali, ngokuya ngenkontileka yabo, ukuthi bayakuvumela ukuthi utshalomali lwakho lufakwe kumabhasikidi amancane ezokuphepha abhalwe kuhlu lwenkomba yokulinganisa yaseYurophu, ngaphandle kokubeka engcupheni i-euro eyodwa isiphakamiso sesitoko.
Umphumela wokuqala lesi senzo esizoba nawo ukungathathi hlangothi kwanoma yimuphi umkhuba omubi othinta inani elithile lale nkomba yesitoko. Kusho nokuba sezikhundleni zomthengi ezinkampanini ezinokuxazululeka okuphezulu kwezomnotho okuzoba yizo lezo ukuziphatha okungcono kuthuthukisa ezikhathini ezibanzi kakhulu zomnotho wamazwe omhlaba, futhi ikakhulukazi eyaseYurophu.
Kodwa-ke, ekugcineni kuzoba nguwe uqobo ozokhetha ukwakheka kwamaphothifoliyo abaphathi abawalungiselele phambilini, iziphakamiso zokuzivikela ngaphandle kwengozi eyeqile. Noma ngalokho bacabanga ukuzibophezela okukhulu kwezintshisekelo zakho. Kepha ngenxephezelo ezophinde inikeze ngamathuba amakhulu wokubuyekeza ezinyangeni ezizayo, esimweni lapho izimali zaseYurophu zibuyela endleleni eya phezulu. Futhi ingakhuphuka ize iye phezulu kakhulu onyakeni.
Kunoma ikuphi, kungenye indlela okwamanje okufanele uvule izikhundla emalini. Futhi akudingeki ukuthi uzikhawulele ezimakethe zikazwelonke, njengoba kungenzeka ukuthi ubunezinsuku ezimbalwa ezedlule. Isixazululo, ekugcineni, singaba nokuvula izimo ezintsha zemali yakho.