Ezinye izindlela ezine zesikhwama

ezinye izindlela

Kungaba umzuzu ocacile wokushintsha umkhiqizo wezezimali ukwenza ukulondolozwa kwethu kube nenzuzo. Ngezizathu ezahlukahlukene, kungavela ezinye izindlela zokutshala imali futhi zingathuthukisa isitatimende semali engenayo ekupheleni konyaka. Mhlawumbe ngenxa yezimakethe zamasheya abunile kuzo phezulu, mhlawumbe ngenxa yokukhathala noma ngenxa yokuthi isikhathi esifanelekile sokuzama amamodeli amasha wokutshala imali. Kunoma ikuphi, kufanele wazi ukuthi kukhona impilo ngale kwesikhwama njengoba sizokukhombisa kule ndatshana.

Imayelana nokufuna imikhiqizo yezezimali ukuthi ngesakhiwo sayo nemvelo yayo ifana nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Ngeke zibe khona izinkinga ezeqile ukuzithola futhi manje kufanele uzikhethe ngokuya ngephrofayili oyivezayo njengomtshalizimali omncane naphakathi. nolaka, olondolozayo noma ophakathi nendawo. Ngoba okumayelana nakho ekupheleni kosuku ukuthi uthuthukisa inzuzo oyilondolozile. Noma okungenani ungalahlekelwa kulolu shintsho ozohlangabezana nalo kusuka manje kuqhubeke.

Ukuguquguquka kwezimakethe zezezimali kuholele ekuveleni kwemikhiqizo emisha yezimali ongasebenza ngayo kusuka eSpain. Zenziwa ngaphansi kwamasu ahlukene okutshalwa kwezimali, kepha zinezinombolo ezifanayo kuzo zonke futhi lokho kungubudlelwano bazo ngqo nezimakethe zezimali. Yize esebenza ngezindlela ezahlukahlukene noma izindlela zokuqonda ukutshalwa kwezimali. Njengoba uzobona, zingaba ezinye izindlela ezinhle kakhulu ezimakethe zamasheya futhi kwezinye izimo zizokuvumela ukuthi uhlukanise izimali ngokusebenza kahle okukhulu. Ngabe uzimisele ukuthatha lezi zinhlobo ezintsha ukuze uqondane nezwe lemali?

Ezinye izindlela: izimali zokutshala imali

ukulondoloza

Ngaphakathi kwezimali zokutshala imali, lezo ezixhunyaniswe namasheya zifana kakhulu nokuthi yikuphi ukuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Ngoba inhloso yayo iyefana, noma kuleli cala ngeke ukhethe isenzo esithile. Uma kungenjalo, kunalokho, uzoba yingxenye ye- Iphothifoliyo yesikhwama sokutshala imali okulungiselelwe ngabaphathi. Ngamaphrofayili ahlukile ngisho nezindawo ezindawo. Akumangalisi ukuthi enye yezinzuzo ezinhle zokukhetha le ndlela yokutshala imali ukuthi ungaya kunoma iyiphi imakethe yezezimali emhlabeni, kufaka phakathi eyokuqala kakhulu ongayicabanga njengamanje.

Isici esiyinhloko sezimali zokutshala imali zamasheya ukuthi zingakwenzela ukuhlukahluka izimali ngendlela ofuna ngayo. Lelisu lisebenza kahle kakhulu lapho ukungazinzi kuyinothi eliphambili ezimakethe zezimali. Izokunikeza ukuphepha okukhulu kunasemakethe yamasheya futhi ungakugcwalisa ngezimali ezahlukahlukene zokutshala imali zohlobo oluhlukile. Ngakolunye uhlangothi, amakhomishini ayo asemgqeni ofanayo nowezimakethe zamasheya, yize kufanele ubheke ukuthi yimaphi afaka phakathi isikhwama.

Ngezimpahla ezahlukahlukene zezezimali

Lesi sigaba semikhiqizo yezimali sihlukile kwamanye amamodeli wokutshala imali ngoba ahlanganisa izimpahla ezehlukene zezezimali. Ngeke utshale imali yakho, ngokwesibonelo Izimali zaseSpain, kepha ungayiphelezela nezinye izinketho ezikwezinye izindawo zomhlaba. Kuyithuba lapho izimali zokutshalwa kwezimali zokulingana zikunikeza khona. Njengoba nje ungakwazi zidlulisele kwezinye izimali nganoma yisiphi isikhathi futhi ngaphandle kokubiza i-euro eyodwa. Uma kunesimo sokuthi lo msebenzi wenziwa ngaphakathi kwebhizinisi elifanayo. Futhi izikhathi eziningi njengoba ufuna ngoba kungumsebenzi ongenamkhawulo futhi awukhokhiswa intela njengamakhomishini noma ezinye izindleko ekuphathweni kwawo.

Ngakolunye uhlangothi, lo mkhiqizo omiselwe ukutshalwa kwezimali ukhona ekunikezelweni kwamabhange ngokusebenzisa kakhulu ukunikezwa okubanzi lapho ungakhetha khona ukungapheli kwemali yalezi zici. Icebo elincane lokwenza imisebenzi ibe nenzuzo ukukhetha izimali zikazwelonke zokutshala imali. Zisebenza ngokulinganayo ekwenzeni ukonga kube nenzuzo futhi ziveza namakhomishini ancintisana kakhulu kunamanye amamodeli alo mkhiqizo wezezimali. Ukufika ezingeni lokuthi ungonga cishe uhhafu wemali maqondana namakhomishini okuzofanele ubhekane nawo kusuka manje kuqhubeke.

Imali ebhalwe ohlwini

Zaziwa kakhulu njenge-ETFs futhi ziyingxube ekhetheke kakhulu phakathi kwezimali ezihlangene kanye nokuthengwa nokuthengiswa kwamasheya. Ziyanconywa ngezikhathi ezimfushane kunasesimweni semali yokutshala imali ngokuya ngamanani. Kodwa-ke, azigcini kuphela emakethe yamasheya kepha ungatshala imali yakho kuyo ezinye izimpahla zezimali, ezinye zazo zakha izinto ezintsha kakhulu. Isibonelo, izinto zokusetshenziswa, izinsimbi eziyigugu namandla, phakathi kokunye okufanele kakhulu. Ngalo mqondo, kungukutshalwa kwezimali okuguquguqukayo okuguquguqukayo kuzo zonke izinhlobo zabatshalizimali abancane nabaphakathi.

Imishini yayo ifana kakhulu nezimali ezihlanganyelwe kunokuqondisa ukutshalwa kwezimali emakethe yamasheya, noma ngabe ngaphandle kokwabelana ngephothifoliyo njengoba kuvame ukwenzeka kulokhu. Enye yezinzuzo ezinhle zokukhetha le ndlela ekutshalweni kwemali yingoba uzothola okuthile amakhomishini abiza kakhulu nokuthi bangakongela imali eningi ekusebenzeni. Ikakhulukazi lapho usebenzisa imali eningi kulo mkhiqizo wezezimali nangaphezulu kokunye ukucatshangelwa kobuchwepheshe. Ngaphandle kwanoma yisiphi isikhathi kufanele uzilinganisele enkampanini noma utshale imali ngqo emakethe yamasheya ezelwe.

Okusezingeni eliphakeme: iziqinisekiso

izimvume

Enye indlela enobudlova futhi eyinkimbinkimbi emakethe yamasheya yenziwe yilokho okubizwa ngokuthi yimvume. Kungumkhiqizo wezezimali ophuma kokunye, ikakhulukazi ongakhetha ukuxoxisana ngesimo sesibambiso esinikeza umnikazi waso ilungelo, kodwa hhayi isibopho, sokuthenga (Shayela) noma ukuthengisa (Beka) inani elithile lempahla (impahla engaphansi) ngentengo engaguquki (intengo yokuvivinya noma intengo yesiteleka) ngesikhathi isikhathi kuze kufike usuku olunqunywe kusengaphambili (usuku lokuphelelwa yisikhathi) ngokushintshanisa inani lentengo (i-premium).

Inkinga yayo enkulu ukuthi kuyinkimbinkimbi ukusebenza nale modeli yokutshala imali futhi vele kudinga i- ulwazi olungcono zezimakethe zezimali. Akumangalisi ukuthi ungalahlekelwa yimali eningi ekusebenzeni uma okulindelwe kungafezeki ukwenza ukonga kube nenzuzo. Ngalesi sizathu, kufanele uqaphele kakhulu ekukhetheni nasekwazini ukuthi yini oyithola ngesivumelwano ngempela ngoba ubungozi balo mkhiqizo bukhulu kakhulu kuneminye imikhiqizo yezezimali. Lapho ungathola khona imali eningi, kepha ngenxa yesizathu esifanayo ilahlekelwe yiyo.

Amalungelo atholakele

Ezinye izinto okufanele wazi ngenkontileka yakho ukuthi uma uthenga iwaranti, uthola ilungelo, hhayi isibopho, sokuthenga noma ukuthengisa Impahla eyisisekelo. Ngakolunye uhlangothi, akufanele ukhohlwe ukuthi inani elikhokhelwe i-warrant libizwa ngokuthi yi-premium, futhi yilokho okubizayo ukuthola ilungelo lokuthenga noma lokuthengisa impahla engaphansi. Lokho wukuthi, lokho ozobe ukwenza ukukhokha imali ekhokhwayo. Kunezinhlobo ezimbili zamamodeli okufanele uwahlukanise ngokucacile.

El ucingo lwewaranti okuyilapho umtshali-zimali ethatha isinqumo sokubheja abheke phezulu nokudonswa kwewaranti okumela icala eliphambene ngokuphelele. Lokho wukuthi, lapho umtshalizimali elindele ukwehla kwentengo yempahla engaphansi. Lokhu kusho ukuthi ungabheja ebucayini bemakethe yezimali, isimo esingaveli kwimikhiqizo eminingi yezezimali. Ukuba, ngakho-ke, enye yezinzuzo zayo ezibaluleke kakhulu lapho usebenza ngalo mkhiqizo wezezimali okhetheke kakhulu. Yize yenzelwe iphrofayili yomtshali-mali othile ngenxa yengozi yokusebenza kwayo.

Izintela ezixhunyaniswe nemakethe yamasheya

idiphozi

Kuyindlela elula yokusebenza emakethe yamasheya, phakathi kwezinye izizathu ngoba awubeki imali yakho engcupheni. Kuzo zonke izimo, unembuyiselo emisiwe futhi eqinisekisiwe, noma ngabe kwenzekani ezimakethe zezimali. Yize imishado yabo yokulamula ingagculisi okwamanje, ngentshisekelo yokuzungeza u-0,50%. Yize uma kuhlangatshezwana nemibandela ethile kulo mkhiqizo kungakhuphuka kuze kufike ku-5%.

Kunoma yikuphi, iphelelwe yisikhathi okungaba izinyanga ezingama-24, 36 noma ngaphezulu. Ngaphandle kokukhansela kusengaphambili nokuthi ungabhaliswa kusuka kumanani aphansi kakhulu ngengxenye enhle yezomnotho wasekhaya. Ngeminikelo evela kuma-euro ayi-1.000 futhi ngaphandle kwanoma yiluphi uhlobo lwamakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni. Ukuba ngomunye wemikhiqizo evikela kakhulu ongayithola okwamanje ngenxa yezici zayo ezikhethekile. Ngoba ekugcineni kosuku ngeke ulahlekelwe yi-euro eyodwa, yize ukuvela kwemakethe yamasheya kungasaboniswa ukuvikela izintshisekelo zakho.

Njengoba kungenzeka ubonile, awunayo nje kuphela imakethe yamasheya yokwenza imali yakho ibe nenzuzo, kepha kunalokho, unamanye amathuluzi angakusiza ukufeza izinhloso zakho zokufinyelela ekupheleni konyaka ngebhalansi ephezulu ku-akhawunti yakho yokonga. . Okungukuthi, ngemuva kwakho konke, kuyini ngabatshalizimali abanephrofayili evikela kakhulu, njengoba kungenzeka kuwe.


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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.