Abasebenzisi bayeke izimali zokubambisana: ukuhlengwa okuningi

ukubuyiselwa kwemali

Izimali ezihlanganyelanayo akuwona umkhiqizo wezezimali ohamba ngezikhathi ezinhle kakhulu. Uma kungenjalo, kunalokho, futhi ngokuya ngemininingwane yakamuva enikezwe yi-Association of Collective Investment Institutions and Pension Funds (Inverco) ikhombisa ukuthi buyisela ezinikezela ukuhleleka kwezihloko zazo zifinyelela emazingeni angakaze abonwe eminyakeni yamuva. Lapho ukuphuma okuqhubekayo kwalezi zimpahla zezezimali kungenye yezinto ezijwayelekile zale makethe ekhetheke kakhulu.

Akunakulibaleka ukuthi kulo nyaka, osuzophela, ingxenye enhle yalezi zimali zokutshala izimali isesimweni esingahle sithathwe njengesintekenteke kakhulu. Ngamaconsi abalulekile ekulinganisweni kwawo futhi kwezinye izimo ku amaphesenti amabili. Kepha lesi simo sikhuliswe yiqiniso lokuthi azithinti kuphela izimali ezisekela ukulingana njengoba umuntu engacabanga zisuka nje. Uma kungenjalo, ngokuphambene nalokho, labo abahola imali engaguquki nabo bayizisulu noma ngisho nakulabo okuthiwa amamodeli ahlukile.

Leli qiniso seliholele ekutheni abatshalizimali abaningi abancane nabaphakathi bakhathazeke kakhulu ngotshalomali lwabo futhi kwezinye izimo bebengenakho okunye abangakwenza ngaphandle kwalokho vala izikhundla zakho kwezinye zalezi zimpahla zezimali. Kwezinye izimo ukujabulela inzuzo yakho (ngokuthenga okuneminyaka emihlanu noma ngaphezulu ubudala) nakwezinye ukuze ungaphinde ube nomthelela ekulahlekelweni kwakho. Yiso kanye lesi simo sokugcina okuyiso esiyingozi kakhulu kubanikazi bezimali zokutshala imali futhi abanaso isixazululo esingcono kunokuvala izikhundla ukuze babele imali kweminye imikhiqizo yezezimali ekhiqiza ukuphepha okukhulu ngalesi sikhathi.

Izimali zokutshala imali zijeziswa kakhulu

ukuqasha

Esigabeni esingesihle kulesi sigaba semikhiqizo ehloselwe ukutshalwa kwezimali yilezo ezivela ku- Izimali Eziqhamukayo Zamazwe Omhlaba kanye ne-Euro Equities (ngaphandle kweSpain) imikhakha ebhalise ukwehla okukhulu kulezi zinyanga zokugcina zonyaka, ngezimbuyiselo ezingezinhle zenyanga nenyanga ezingaphezu kuka-5%. Esokuqala futhi siyisigaba esinokulungiswa okukhulu kakhulu onyakeni (-8%). Ukufika lapho inani lama-akhawunti ababambiqhaza ezimali zikazwelonke zokutshala imali lehle ngenyanga edlule (cishe ama-140.000 uma kuqhathaniswa nenyanga eyedlule), futhi isibalo sayo sasiseduze kakhulu kwabahlanganyeli abayizigidi eziyishumi.

Ngakolunye uhlangothi, ngenyanga edlule, izimakethe zamasheya zaseYurophu zathola ukulungiswa (ngokwesibonelo, inkomba ekhethiwe yamasheya aseSpain, Ibex 35, ivaliwe maqondana nokuphela kukaJulayi ngo- -4,8% kwathi i-EuroStoxx 50 yakwenza lokho ngo- -3,8%), ngenkathi izinkomba zamasheya ezinkulu e-United States ziqhubeka ngokuya phezulu ezinyangeni ezedlule. Yize ezinyangeni ezimbili ezedlule kulungisiwe kulezi zinkomba zamasheya. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe ngisho nasendaweni yokubuka eyisisekelo.

Yize kuphambene nalokho, nokuba nemali engaguquki njengomthombo oyisethenjwa, ukuvela kwayo ezimakethe zezimali nakho kudumaze kakhulu kubatshali zimali abancane nabaphakathi. Ngoba impela, i-IRR yesibopho seminyaka eyishumi saseJalimane lehle ngenyanga laya ku-0,34% lisuka ku-0,45% ekupheleni konyaka owedlule, kanti ngakolunye uhlangothi isivuno sesibopho seminyaka eyishumi saseSpain sikhuphuke kancane saya ku-10% sisuka ku-1,42%. Lapho, i-premium yobungozi eSpain ivale ngamaphuzu ayisisekelo ayi-1,38 ngama-114 ekhombise ekupheleni kukaJulayi.

Ukungabi nentshisekelo yababambiqhaza

Yonke le datha ibe nomthelela ophelele ekunakeni kwabatshalizimali abancane nabaphakathi kuleli banga lemikhiqizo yezimali. Iningi labantu linqume ukubuyisa amasheya abo cishe amazinga angazange abonwe eminyakeni yamuva. Ukuze kufezekiswe lesi simo esikhetheke kakhulu lapho izimali zotshalomali zizithola zikuzo, kufanele kuvezwe ukuthi inani lama-akhawunti abamba iqhaza ezimali zokutshala imali cishe lizoba cishe amayunithi ayi-11.000.000.

Le datha ekusebenzeni isho ukuthi bayinto ethile ama-akhawunti angaphezu kwama-200.000 ngaphansi kokuphakama kwesikhathi sonke obekufinyelelwe ngoJuni odlule. Njengesithenjwa esingokomlando, kufanele kuqashelwe ukuthi eminyakeni ejulile yenhlekelele yezomnotho, phakathi kuka-2007 no-2009, ukulingana okuphelele ezikhungweni zokutshala imali ngokuhlanganyela kwehlele kuma-euro ayizigidi ezingama-200.000. Ngenkathi maphakathi nonyaka inani labatshalizimali seliphindaphindwe kabili kusuka kwabaphansi, kepha ezinyangeni ezimbili ezedlule lehlile. Ukufika lapho ingxenye enhle yabahlaziyi bezezimali inombono wokuthi lo mkhakha wokutshala imali okhombisa izimpawu zokukhathala.

Ungakugwema kanjani ukulahleka kwezimali?

izimali

Akuyona into engavamile ukucabanga ukuthi abanye abatshalizimali kuleli banga lemikhiqizo yezimali bakubomvu. Noma ukukuqonda kangcono, ukuthi ibhalansi sheet lakho ngelokulahleka okuthile emalini etshalwe kuze kube manje. Njengoba ubhekene nalesi simo esingadingeki, kunamasu ambalwa abatshalizimali abancane nabaphakathi abangawasebenzisa. Eyokuqala ukwenza ngqo ukubuyiselwa imali kwe- gwema okunye ukulahleka kwemali. Ukubhekana nomunye unyaka okulindeleke ukuthi uqhubeke nokuba yinkimbinkimbi kakhulu ezimakethe zezezimali.

Olunye lwezinhlelo ze-actuation ezingangeniswa kusuka manje kuya phambili yilezi ezisuselwe ku- qhubeka kuze kube manje. Ngamanye amagama, ukuhlala ezimali zokutshala imali esikhathini esimaphakathi futhi ikakhulukazi isikhathi eside. Akumangalisi ukuthi yisimo semvelo sezimali zokutshala imali, njengoba belulekwa yibo bonke abahlaziyi bezezimali. Isikhwama sokubambisana asikwazi ukufana nokuthenga nokuthengisa amasheya emakethe yamasheya angahlala izinyanga ezimbalwa. Kulo mkhiqizo uhlaziyiwe ukuthola izimbuyiselo ezilindelekile, okungenani kuzosetshenziswa iminyaka emithathu noma emine. Akumangalisi ukuthi yisikhathi sakho esinenzuzo enkulu kuze kutholakale iminikelo yemali.

Ukubuyekezwa kumaphothifoliyo okutshalwa kwezimali

Isu lesithathu lokutshala imali liqukethe ubuyekeze iphothifoliyo yesikhwama sokutshala imali sonke isikhathi esithile. Njengesibonelo, njalo ngonyaka futhi lesi yisikhathi sokuzinikela ngokugcwele kulo msebenzi ngoba ukuphela konyaka kuseduze kakhulu. Kususelwa entweni elula kangako, kepha ngasikhathi sinye kunzima ukuyenza, njengokufaka izimali zokutshala imali ezinenzuzo encane kulabo abanamandla okukhula amakhulu kule minyaka ezayo. Ngisho nokushintshanisa imisebenzi kusuka kumali engenayo eguquguqukayo iye kwiholo elinqunyelwe noma okuphambene nalokho, kuya ngesimo sangempela sezimakethe zezezimali.

Ngakolunye uhlangothi, kufanele ukhumbule ukuthi ukudluliswa kwezimali zokutshala imali kungumsebenzi onenzuzo enkulu ezithakazelweni zakho. Phakathi kwezinye izizathu ngoba ngeke kukubize nge-euro eyodwa futhi ngeke kube khona noma yiluphi uhlobo lwamakhomishini wokuthuthukisa le nhlangano ekhetheke kakhulu. Ngesimo esisodwa sokuthi ukwenze ebhange noma esikhungweni sezimali esifanayo. Ngaphezu kwalokho, kungukuhlinzwa ongakwenza kaningi ngangokunokwenzeka, akunamkhawulo, ngisho nemikhawulo enanini lokudluliselwa ozolenza kusukela manje kuqhubeke.

Izinzuzo zentela zokudluliswa

imali

Akufanele ukhohlwe ukuthi ukudluliswa kwezimali zokutshala imali nakho kunikeza izinzuzo zentela ezingaletha injabulo engaphezu kweyodwa kwesinye isikhathi. Ngesizathu ozoziqonda kalula futhi lokho akudingeki ukuthi umemezele imihlomulo esitatimendeni sakho semali elandelayo. Ngenkathi uqhubeka nokugcina imali yakho kwizikhwama ezihlanganyelweyo njengoba uhlala wenza. Ungalinda nokuthi kwehle amanani entela ukuze wonge imali kulo msebenzi. Vele akufani kwenze ngo-18% kunaku-15%, ukubala isibonelo esisodwa nje.

Njengenye indlela yokugcina yokwenza ngcono isitatimende semali engenayo ezimpahleni zakho zomuntu siqu noma zomndeni, kuzohlala kunenketho yokushiya izimali zokutshala imali ukuze ungene kweminye imikhiqizo ephephile yasebhange. Isibonelo, imali yesikhathi esinqunyiwe, amanothi wesethembiso ezinkampani noma ngisho nama-akhawunti akhokha kakhulu. Kodwa-ke, inani lenzalo lezi zindlela zokulondolozwa ozokunikeza lona ngeke libe likhulu ngalo mzuzu onembile. Ngamamajini wokuhweba angadluli ku-1%. Yize okungenani uzoba nesiqiniseko sokuthi ngeke ulahlekelwe yimali futhi uzothola imali engaguquguquki futhi eqinisekisiwe njalo ngonyaka.

Ngale ndlela ehlukile yokutshala imali, vele, ngeke ube ngusozigidi, kepha okungenani kuzokusiza ukuthi ulale kangcono ezimeni eziyinkimbinkimbi kakhulu nezingazinzile kuzo zonke izimakethe zezezimali. Njengoba kwenzeka manje ngenani elihle labatshalizimali abancane nabaphakathi abakhethe le nketho. Ukuzama ukonga unyaka omubi, kokubili emalini nasemalini engenayo engaguquki, njengoba unyaka wezimali ka-2018 ube njalo, osuzophela esikhathini esifushane kakhulu. Ngamamajini wokuhweba angadluli ku-1%. Yize okungenani uzoba nesiqiniseko sokuthi ngeke ulahlekelwe yimali futhi uzothola imali engaguquguquki futhi eqinisekisiwe njalo ngonyaka.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.