Elinye lamasu atholakalayo kubatshalizimali abancane nabaphakathi ukuze benze imali abayongayo ngaphandle kokucabanga izingozi ukuxhuma imali yamabhange esikhathi esinqunyelwe enkombeni ekhethiwe yamasheya aseYurophu, i-Eurostoxx 35. Le ndlela yokutshala imali inenzuzo yokuthi Kuzohlala njalo Imali eqinisekisiwe banikele kulo mkhiqizo wezezimali futhi nethuba lokuthola inzalo kubo. Ukutholakala kwamanye amabhange asebenza ezweni lethu.
Lesi sigaba se-impositions sidinga imfuneko eyisisekelo futhi lokho akuyona enye ngaphandle kwenkomba yesitoko ukuze kuzuzwe izinga lentengo yalo. Uma lokhu kungafinyelelwa, kuzokwenziwa kuphela ukusebenza okuncane, okungukuthi ngaphansi kuka-0,5%. Ngendlela ehleliwe futhi eqinisekisiwe noma yini eyenzekayo ezimakethe zezimali. Ngale ndlela, ukonga kuzoqinisekiswa esimweni esingesihle sokutshalwa kwemali.
Ngakolunye uhlangothi, kuyimodeli yokonga ehloselwe iphrofayili echazwe kahle kakhulu yabatshalizimali. Ngemodeli yomsebenzisi evikelayo ebeka ukongiwa kwenhlokodolobha yayo kuqala ngaphezulu kokunye ukucatshangelwa okunolaka. Noma ngabe kuzindleko zokuyeka ukukhuphuka okungenzeka enkombeni yokulinganisa yaseYurophu. Ngoba asikwazi ukukhohlwa ukuthi isilinganiso senzalo esiphezulu kuleli banga lamadiphozi ngu-5%.
I-Eurostoxx 50: amanani anyukayo
Lo mkhiqizo wezezimali ubonakala ngoba ukwenza kwawo izinkontileka akuhlanganisi noma yiluphi uhlobo lwamakhomishini nezinye izindleko ekuphathweni nasekugcinweni kwawo. Ngenkathi ngakolunye uhlangothi, inesikhathi sokuphela okungukuthi cishe izinyanga ezingama-24 no-36. Ukuphakama okuncane kunalokho okwenziwe ngokwendabuko futhi kuzo zonke izimo ukukhanselwa kwabo okuyingxenye noma okuphelele akuvunyelwe. Lokhu kuyinkinga enkulu abanesilondolozi abanayo ngoba ngeke bakwazi ukuthola imali yabo isikhathi eside. Ngakho-ke, ngeke kube nenye indlela ngaphandle kokulinda ukuphela kwayo. Kwesinye sezithunzi zalo mkhiqizo wezezimali okhetheke kakhulu.
Ngakolunye uhlangothi, kufanele kukhunjulwe nokuthi lawa ma-term deposits anezimali eziphakeme kakhulu zokutshala imali. Cishe i-5.000 ne-10.000 euros, ngaphandle kokukwazi ukuwavuselela nhlobo ngoba ayimikhiqizo engenakho ukuqhubeka ngokuhamba kwesikhathi. Ukuba, noma kunjalo, kungenye yezimpawu zalezi zimodeli zokonga ezikhetheke kakhulu nezintsha. Njengenye indlela elondolozeka kakhulu yokutshalwa kwezimali okuqondile ezimakethe zezimali, kulokhu kuxhunyaniswe nebhentshi lezwekazi elidala, i-Eurostoxx 50.
Yiziphi izinzuzo zayo?
Ukulondolozwa kwemali esetshenzisiwe kungenye yamaphuzu asemqoka okusekela le mikhiqizo yasebhange. Ngoba ngale ndlela kungenzeka ukuqeda ukulahleka emakethe yamasheya. Ngenkathi ngakolunye uhlangothi, kungenzeka ukukhiqiza okukhulu ukwehlukaniswa kwemali ngoba inani elilodwa noma amaningi emali engenayo eguquguqukayo ayinankontileka. Uma kungenjalo, ngokuphambene nalokho, lesi senzo senziwa kwenye yezinkomba eziqinile kakhulu zemakethe yamasheya yaseYurophu. Lapho izinhlangano ezingama-50 ezimele kakhulu eYurophu zihlanganisiwe.
Enye yezinzuzo zayo ezinkulu ukuthi akudingekile ukuthi utshale imali enkulu. Kepha kunalokho, kwanele uku amanani anesizotha impela yawo wonke amakhaya. Ngaphezu kwalokho, kwezinye izimo ziyagcwaliswa nezinye izimpahla zezezimali ezivela emholweni ongaguquki futhi yingakho kubangela ukuthi kuhlale kunembuyiselo engaguquguquki futhi eqinisekisiwe ekugcineni kokuvuthwa kwayo. Ngaphandle kwamakhomishini nezinye izindleko kubaphathi bayo ezinokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Ngohlobo lomsebenzisi ongasetshenziswanga ukutshala imali yakhe kokutholakala kokulingana.
Izithunzi zalezi zimali zesikhathi
Kuyiqiniso futhi ukuthi akuzona zonke izibani kumadiphozi axhumene ne-Eurstoxx 50, kepha kunezici ezithile ezingezinhle okufanele zicatshangelwe kwinkontileka yabo. Okunye okubaluleke kakhulu yilokho okuphathelene ukulahlekelwa kunqunyelwe lokho kungakhiwa kule makethe yezimakethe zaseYurophu. Ngaphandle kokunye ukucatshangelwa kohlobo lobuchwepheshe kanye nasendaweni yokubuka izisekelo zayo.
Ngenkathi ngokuphambene, kukhona eminye imikhiqizo yalezi zici exhunywe kwamanye ama-indices wokuma komhlaba. Njengesibonelo, kwabamele kakhulu umnotho womhlaba: "Ibex-35 "," Eurostoxx-50 "," Dax "," Dow Jones "," Nasdaq Composite "," S & P " noma "Nikkei”. Bangakwazi ukuqashwa ngokuya ngokuthandwa ngabatshalizimali noma izinkomba abazithola esikhungweni sezezimali lapho bezoziqasha khona. Ezinye zenziwe ngokukhethekile amaphrofayli alondolozayo, kanti abanye bakhomba kubatshalizimali abanolaka kakhulu, okusho ubungozi obuthile ekuqashweni kwabo.
Ngokunikezwa okuhlukahlukene
Lokhu kwehlukahluka kokunikezwayo kusho ukuthi ukukhethwa okubanzi kwezokuphepha kungatholakala emakethe okubalwe ezimakethe ezinkulu zomhlaba, kusuka ku- "ama-chips aluhlaza okwesibhakabhaka”Kusuka emholweni kazwelonke (i-Endesa, Iberdrola, i-BBVA, iSantander neTelefonica) kuya kwabanye okungaziwa kakhulu kubatshalizimali abaphakathi Amanani amaFrance, amaJalimane noma amaNtaliyane. Kunoma ikuphi, lesi sigaba samadiphozithi esikhathi sincike kubhasikidi bezokuphepha okusekelwe ezinkampanini ezinokubaluleka okukhethekile. Ngevolumu ephezulu kakhulu yokwenza imali futhi lokho kuyimithombo yesethenjwa yabo bonke abatshalizimali abancane nabaphakathi.
Ukuze ngale ndlela, ukulahleka okunamandla kungatholakali kumaphothifoliyo okutshalwa kwezimali noma okungenani lokhu kunqunyelwe. Lapho umphumela wawo omkhulu kungukuncipha kokwehla kwamanani okungenzeka kukhiqizwe kulolu hlobo lwezimakethe zokulingana. Njengamaphoyinti okwehluka maqondana nokufakwa kwemali ebhange kwendabuko kakhulu futhi akunasimo esingaphansi kokubekwa kwamakhomishini nezinye izindleko ekuphathweni noma ekugcineni kwawo. Ukuze kuthi kusukela manje ukufaka imali emakethe yamasheya kube lula kakhulu kunasemisebenzini eqondile yokuthenga nokuthengisa amasheya.