Akuyona imfihlo kuleli banga kumjikelezo omusha wezomnotho ukuthi ukugcina imali esiyongile kuma-term deposits akuwona umsebenzi omuhle wokutshala imali. Ukusebenza okunikezwa yile mikhiqizo yasebhange kungaphansi kwezinga lomlando, ukuhamba ebangeni elincane kusuka ku-0,20% kuya ku-0,60%, kuya ngamanani enziwe nezikhathi zawo zokugcina. Njengomphumela wesinqumo sebhange elikhulu laseYurophu lokwehlisa intengo yemali. Amabhizinisi asebhange adlulisela lesi silinganiso kuyo yonke imikhiqizo yabo yokonga (amadiphozithi, amanothi ezethembiso ...).
Ukungeneliseki kwamaSaver kubalulekile lapho kwehla ukusebenza, futhi nokwelula imigomo yale mikhiqizo ngeke kuklonyeliswe ngesifiso sabo sokonga imali abayongele ebhange. Kungakho befuna ngokushesha ezinye izindlela zokuthuthukisa izikhundla zabo (izimali zemali, izimali, amabhondi ezinkampani, njll.). Yize kwezinye izimo bakhokhiswe intela ngengozi enkulu okufanele bayenze ekusebenzeni kwabo. Ikakhulukazi leyo etholakala ezimakethe zamasheya.
Kodwa-ke, abalahlekelwanga yikho konke, nangabanye ukufakwa kwemali efakiwe - Uma ushintsha isu lakho lokutshala imali - uzokwazi ukuthuthukisa kakhulu inzuzo yakho. Kuze kube yilapho ufinyelela amamajini amukeleka ngokwengeziwe ezithakazelweni zakho, okuyi bangakhuphukela ngisho ku-5%. Ngokuphindaphindiwe, kuzofanele bashintshe izindlela zabo zokonga, badlule ebudlelwaneni obukhulu nebhizinisi, bandise imigomo, benze eminye imikhiqizo, noma bakhethe ngqo ukunikezwa kwephromoshini okuvuza iminikelo yabo yezomnotho ngale miklamo yokonga.
Usebenzisa lezi zihlungi ekukhetheni kwakho, ukwenza ngcono ukusebenza kwesikhathi sokufakwa kwemali kungabe kusaba ngumsebenzi ongenakwenzeka kubanikazi bakho. Ukwenza lokhu, kuzokwanela ukuthi basebenzise uchungechunge lweziqondiso ekuziphatheni kwabo, kokubili ebhange labo kanye nale mikhiqizo. Kuzodinga umzamo owengeziwe ukuthola amathuba angcono kakhulu okonga emakethe yasebhange kazwelonke.
Ukhiye wokuqala: thola ukwethembeka okwengeziwe ebhange lakho
Ukwenza isivumelwano neminye imikhiqizo nebhizinisi lakho (amakhadi, umshuwalense, uhlelo lwempesheni, njll.) kuholele ekuthuthukeni okuphawulekayo ezimweni zamathangi. Ukwenza isilinganiso senzalo sokuncintisana, esikhuphula imingcele enikezwe ngamabhange okwamanje ngamaphesenti ayishumi. Ukhiye waleli su uzoba nokuhlangana okukhulu nebhizinisi.
Amakhasimende angasebenzisa lo mkhuba wamabhange ukubhala amadiphozi angcono, futhi okubaluleke kakhulu, ngezimo ezingcono ezinkontilekeni zabo. Futhi ngenxa yaleli su lezentengiselwano, khetha imikhiqizo engangena enenzuzo esondele ku-1% -
Ukhiye wesibili: ukudonswa kwemali ngqo kumholo
Ngalo msebenzi wokubhanga, kuzotholakala amathuba amahle kakhulu, okuthi kuziphakamiso ezinolaka kakhulu kungaholela kumamodeli akhiqiza u-5%. Noma kunjalo, Kuzoba yisidingo esiphoqelekile ukuxhumanisa amaholo (impesheni noma imali ejwayelekile) ebhange. Kungaba okudinga kakhulu futhi bakufune ngenani elingaphezu kwama-euro angama-2.000. Bangafaka ngisho nokukhishwa kwemali ngqo kwemali eyinhloko yasekhaya (ugesi, amanzi, igesi, njll.) Njengefomula yokufeza izinhloso.
Ngaphandle kwalokhu, bazoba yimali ebekelwe okulinganiselwe. Ngokuhlala okufishane ngokweqile, nangeziqeshana zemali, okuyi ngokuvamile aweqi umkhawulo we-10.000 euro. Ngokunjalo, zenziwa ngaphandle kokuvuselelwa lapho ziphela.
Ukhiye wesithathu: baxhumanise nezinye izimpahla zezezimali
Kuyimodeli egculisa kunazo zonke kumakhasimende asebhange afuna ukuthola amamaki enzuzo amukeleka kakhulu. Usebenzisa le ndlela, umgoqo ongu-5% unganqotshwa, kepha hhayi ngaphandle kwezinkinga. Akugxilwe kuphela kuzimpahla zemakethe yamasheya, kepha nakwezinye izindlela. Phakathi kwalezo ezigqamile kukhona izimakethe zezinto zokusetshenziswa, izinsimbi eziyigugu, noma uphawu lokulinganisa lwaseYurophu, olwaziwa nge-Euribor.
Omakhenikha bayo bahluke kancane kumamodeli wendabuko. Baqala ngenzalo eqinisekisiwe, ngokuhambisana namamaki wamadiphozi ajwayelekile. Futhi ukusuka lapha, beka konke okulindele ekusebenzeni kwakho eqinisweni lokuthi amafa axhunyiwe ahlangabezana nezinjongo eziphansi kunani lawo, nokuthi awahlangatshezwa ngaso sonke isikhathi.
Kungale ndlela kuphela lapho izinhloso zingafinyelelwa, noma kunjalo, ngokubuya okumangazayo, okuthi ezimweni ezinhle kakhulu ifinyelele ku-10%. Ngokushintshana, bazohlinzeka ngamamodeli afunwa kakhudlwana afakwa ngaphansi kwezimo ezinemigomo emide yokusimama neminikelo ephakeme.
Ukhiye wesine: khetha ukunikezwa kwephromoshini
Kuya ngokujwayeleka kakhulu ukuthi amabhange athengise imikhiqizo yamakhasimende amasha, azokwenza ngayo ngcono izimo zawo zokubhala phansi, kwesinye isikhathi kube ngendlela emangalisayo. Lawa okuthiwa amaphromoshini okuheha imali kwamanye amabhizinisi, futhi asebenzisa izikhali zawo ezinhle ukwenza le nqubo ibe lula. Abantu abakhetha le miklamo ngeke babe nankinga yokuthola isivuno esimaphakathi esiphakathi kuka-1% no-2%, ngisho nangokwengeziwe kuziphakamiso ezinolaka kakhulu.
Futhi, ukwaneliseka ngeke kuphele njengoba kuthengiswa ngaphansi kwemikhawulo ethile. Izikhathi ezibekiwe ezimfushane, ukuthi kungenzeka bangazivuseleli yini nezimfuno zeminikelo yabo kuzoba ngezinye zazo. Ngenkathi, ngokuphambene nalokho, zinikwe amandla ngendlela eningi phakathi kokunikezwa okwenziwe yizinhlangano.
Ukhiye wesihlanu: ukunweba imigomo yaphakade
Kukhona futhi insiza yakudala ye- nweba imigomo yakho, ize ifike eminyakeni emi-3 noma emi-5 njengendlela yokuthola izintshisekelo zakho ngokushesha okukhulu. Yize ukwenziwa ngcono kwamaphethelo abo kungeke kube ngaphezu kweshumi ezimbalwa ngaphezu kwesilinganiso samanje sale mikhiqizo yasebhange.
Into engaphazamisi yokuqashwa kwabo ngaphansi kwale mibandela iyisikhathi eside impela lapho iminikelo eyenziwe ingatholakali khona. Futhi ukuthi kwesinye isikhathi kungadingeka ukuthi babhekane nenkokhelo eyengeziwe, izindleko ezingalindelekile, noma ngenxa yezibopho zethu zentela. Noma kunjalo, Kungumholo ozoqinisekiswa phakathi naso sonke isikhathi sediphozi, noma ngabe izimo zemakethe ziyahlukahluka.
Ukhiye wesithupha: uyihlanganise nezimali zokutshala imali
Okokugcina, kuhlala kuyisisetshenziswa sokukhetha lawo ma-modeli, ngokuya ngokuya kunikezwa inzuzo ephansi yale mikhiqizo, esekela isu labo uyixhumanise nezimali zokutshala imali ukuze utshalomali lunelise kakhulu kubafakizicelo.
Zihlukaniswe ngama-50% kumodeli ngayinye yokutshalwa kwezimali. Futhi ngenkathi ingxenye ehambelana nemali engenayo engaguquki (idiphozi) igcina ukuguquguquka kwayo kwezebhizinisi kungashintshi, enye ingxenye (izimali zotshalo-mali) yiyona eyenza umholo njalo ngonyaka uphe kakhulu kubanikazi balo mkhiqizo.
Ukhiye wesikhombisa: uyiqashe ngokushintshaniswa kwamanye amazwe
Akungabazeki ukuthi kungaba enye inketho yokufeza izinhloso zethu, yize kunokuphazamiseka okukhulu ukuthi kungumsebenzi onobungozi kakhulu, ngoba imiphumela yawo ingaba okuphambene. Bangakhonjwa ezinkampanini ezinkulu zamazwe aphesheya (i-franc yaseSwitzerland, idola laseMelika, i-yen yaseJapan, i-krone yaseNorway ...), kepha kuya ngokushintshashintsha kwayo ezimakethe zezezimali, futhi lokho ngeke kusizuzise ngaso sonke isikhathi izintshisekelo zethu, kodwa okuphambene nalokho.
Ngaphezu kwalokho, lapho kufanele ubhalise kwezinye izimali ngaphandle kwe-euro, ezinye amakhomishini angeziwe ekusebenzeni ngakunye, okuzokhawulela ngokuphawulekayo izinzuzo ezingenzeka ezingafakwa yilolu hlobo lokumiswa okukhethekile. Futhi lokho ngakolunye uhlangothi, kuzodinga ulwazi olujulile ngalezi zimakethe ezingxenyeni zabafaka imali. Noma okungenani ube nezeluleko zochwepheshe kulezi zimakethe zezezimali.
Iminikelo eyinhloko evela kumadiphozithi
Uma, naphezu kwakho konke, amakhasimende akhetha ukubhalisela noma iyiphi yale mikhiqizo yasebhange, ngeke nje kuphela babheke isici semali sayo kuphela. Baneminye iminikelo engasiza kakhulu, ikakhulukazi ngezikhathi zesiyaluyalu sezezimali, noma ukungaqiniseki kwezomnotho.
Ukwazi, noma kunjalo, ukuthi noma ikuphi ukunyuka kwamanani wenzalo kuzozuzisa inzuzo yakho. Futhi ngalo mqondo, kufanele kuqashelwe ukuthi intengo yemali icishe ibe zero, ikakhulukazi ku-0,25%, kanye nanoma yiluphi ushintsho kunqubomgomo yemali engxenyeni yeziphathimandla zezomnotho zaseYurophu, kuzosho isivuno esiphezulu sale mikhiqizo.
- Baqinisekisa ngokugcwele iminikelo yamakhasimende lapho sekuvuthiwe, futhi uma ibhange elikhiphayo lomkhiqizo lingahluleka nganoma yisiphi isizathu, kuze kufike ku-100.000 euro lizoqinisekiswa ngeSikhwama Sesiqinisekiso Sediphozithi (FGD). Ngenkathi, ngokuphambene nalokho, kweminye imikhiqizo eyenzelwe ukonga (amanothi ezethembiso zebhange) le mpatho ibingenzeki.
- Bahlala benikela ngokusebenza okuqinisekisiwe, okwaziwa kusukela lapho umkhiqizo ubhaliswa khona, futhi okungekho kuzindleko zokushintshashintsha ezimakethe zezezimali. Ngaphandle kwalezo zimo lapho kukhona khona ukuxhumana okuyingxenye nezinye izimpahla zezimali ezivela ezimakethe zezimali.
- Abenzi noma yiluphi uhlobo lwezindleko ekuphathweni kwabo, noma kumakhomishini. Yilelo kuphela elinikwe amandla ngokukhansela kwalo kokuqala, noma liphelele noma liyingxenye, futhi elingafinyelela ku-0,50% wezindleko zomsebenzi owenziwayo.
- Kungumkhiqizo webhange ofanelekele wonke amaphrofayili amakhasimende, lokho akudingi ulwazi olukhethekile ngokusebenza kwayo, futhi lokho kungenziwa kube semthethweni kusuka kusikhulu esiphezulu kuye kumama wekhaya. Ukukhululwa kunoma yiluphi uhlobo lobungozi.
- Ukunikezwa okuhle okuhlinzekwa ngamabhange kusho ukuthi bangakhethwa kumamodeli amaningi: ngomusa, inzuzo ekhulayo, izinkontileka ezenziwa nge-inthanethi, zamakhasimende amasha ... Futhi lokho kufanele kukhethwe ngokuya ngezici ezilethwa yikhasimende.
- Isikhuthazo esivela ekuqashweni kwabo ukuthi, ngenxa yamasu amasha okuhweba amabhange, izintshisekelo zakho zingakhokhiswa ngaphambi kwesikhathi, ngaphandle kokulinda ukuphela kwesikhathi. Ngokusebenzisa izindlela ezahlukahlukene: njalo ngenyanga, ngekota, semester noma ngonyaka.