Izimali zokutshala imali ukuphuma esimisweni

izimali

Izimali zokutshala imali zinezinzuzo eziningi ekuqashweni kwazo, futhi enye yazo ukuthi ikuvumela ukuthi utshale imali oyilondolozile kunoma iyiphi impahla yezezimali. Cishe akukho mingcele, futhi ku zonke izindawo ezindawo, ngisho nasemazweni okunzima ukuwabona emabalazweni. Kufike eqophelweni lokwenza empeleni amaphothifoliyo okutshalwa kwezimali ezintsha, nangezinga elithile lokuvela, ezimeni eziningi elizomangaza izihloko zalo. Kokubili maqondana nezimali ezincike emalini nasemalini engaguquki, ngaphandle kokukhohlwa - nakanjani - amamodeli ahlukile, okuyilapho lolu hlobo lomkhiqizo wezezimali lufakwa kakhulu, okuya kumangaze abamukeli bawo.

Abatshalizimali abafisa ukunika izimali zabo ukuthinta okuncane kwemvelo banesilinganiso esikhwameni seBankinter Sustainability ukufeza izinhloso zabo. Akumangalisi ukuthi iphothifoliyo yayo isuselwe ezinkampanini ezifakwe kuzinkomba ezibhekele ukusimama, ezemvelo nezomphakathi. Ukugqugquzela, ngale ndlela, ababambiqhaza batshale imali yabo enkulu ngokuya ngamanani abavikela emphakathini. Ngalo nyaka ukusebenza kwakhe akukuhle, cishe u-5%, yize uhambisana nomkhuba okhonjiswe izimakethe ezinkulu zamasheya.

Izinhlobo zokutshala imali eziluhlaza

Ngaphakathi kwalokhu okuhlukile, izimali ezibhekele umphakathi nazo ziyabonakala. Lawa amamodeli akhombisa kwiphothifoliyo uchungechunge lwamagugu nezinkolelo ezingamukelwa abanye babatshali zimali. Ukulungiselela kwabo kuguquguquka kakhulu, ngoba banamathele kumholo oguquguqukayo, ongaguquki, oxubekile, noma ohlukile. Futhi njengesibonelo salesi siphakamiso sokuziphatha, umkhiqizo ohlangabezana nalezi zici: Isikhwama Sezamandla Esisha saseBlackrock. Utshala imali kwizibambiso zamasheya ezibalwe ezinkampanini zomhlaba ezinokutholakala okuphezulu kweminye imikhakha yamandla kagesi. Kubonisa ukuphambuka kwinzuzo yayo yonyaka engu-1%.

Ukufinyelela izikhwama exotic kakhulu

izikhwama ezingaphandle

Okunye okunikelwe yimali yotshalomali ukuthi kuvumela abatshalizimali abancane ukuthi bangene kunoma iyiphi indawo, ngisho nasemazweni okuthi kuze kube yiminyaka embalwa edlule bekungacabangeki ukuthi bavule izikhundla ezimakethe zabo zamasheya. IMongolia, iMoldova, iVietnam noma iTanzania lezi ngezinye nje zezibonelo zokuthi ukonga kwabasebenzisi bamabhange kungaqondiswa kangakanani ngezimali zokutshala imali.

Ukuqinisekisa leli qhinga lezezimali, kwanele ukubheka iziphakamiso ezithile ezenziwe abaphathi abakhulu bale mikhiqizo. IDeutsche Invest Africa, enezikhundla ezimakethe zaseKenya noma zaseNingizimu Afrika, phakathi kokunye, futhi okuthe kulo nyaka kwagcina ukubuyiselwa okuncane kuka-0,10%. Noma iFranklim MENA Fund, esekela izikhundla zayo kumafa avela emazweni asePersian Gulf (Qatar, Oman, United Arab Emirates noma Kuwait), futhi ezinyangeni zokuqala eziyisithupha zonyaka ekhombisa ukulahleka kwesikhwama cishe kwe-11%. Njengomphumela wokweqisa ukuncika kukawoyela ngalawa mazwe. Kakhulu, ukuthi ukwehla kwayo ngamanani ezimakethe zezezimali (ngaphezulu kwama- $ 50 umgqomo) kusindise izikhundla zalesi sikhwama, ngaphezu kwezinye izindawo ezingahlobene kakhulu negolide elimnyama.

Uma, ngakolunye uhlangothi, ufuna ukukhetha amandla ezimakethe ezingezona ezendabuko zase-Asia, enye yezindlela zokuqala ukuthatha izikhundla ngezimali zeFidelity Emerging Asia Funds. Kuyisikhwama, iphothifoliyo yalo yokutshala imali isuselwa ku- amazwe athuthukile kakhulu kuleli zwekazi futhi lezo zithathwa njengezimakethe ezisafufusa. Ukuvela kwayo kulo nyaka kudlula obekulindelwe ezimakethe zasentshonalanga, ngokwazisa okuncane okucishe kube ngu-2%.

Iwayini, okuthile okungaphezu kenjabulo

Iwayini liyingxenye ebaluleke kakhulu yamatafula okudla, noma kusihlwa okuthandana kakhulu nomlingani wethu. Kungaba uphawu lokukhetha, lapho ibhodlela lewayini elidume kakhulu lingaba nenani lama-euro angama-25.000. Njengasendabeni yeMouton Rothschild ka-1945. Kepha mhlawumbe lokho abatshalizimali abambalwa abakwaziyo yilokho ngokusebenzisa lesi siphuzo esinotshwala singenza imali ngokulondolozwa, nezimbuyiselo ezingcono kunezinye izimpahla ezejwayelekile zezezimali.

Ukubheja kwesikhathi eside okuyimfashini ngenxa yokutholakala kwayo engcupheni ngenxa yokufunwa kakhulu kwewayini layo. Hhayi ezimakethe zendabuko kuphela (i-United States kanye ne-European Union), kepha nasezimakethe ezisafufusa (ikakhulukazi iChina). Kunezimali eziningana eziqoqe lesi sidingo kubatshalizimali, futhi phakathi kwazo iMashi Vini Catena ivelele, engabhaliswa kusuka kuma-euro ayizi-6.000. Ukugwema ukuthenga amabhodlela, okuthile kuhlala kunzima kakhulu, kutshalwa imali ezinkampanini zokusabalalisa, kukhiqiza amawayini noma abahlinzeki. Ngenzuzo emaphakathi ezinyangeni eziyisithupha zokugcina zika-0,30%, yize yaphakama kakhulu ngonyaka we-2015 lapho it got to reueue a little more than 13%.

Izimali zokutshala imali zenkolo

inkolo

Ukuqamba okusha kule mikhiqizo yezezimali sekufinyelele ezingeni lokuthi okwamanje kuhambisana nezindinganiso zokuziphatha zezinye izinkolo. Lesi yisimo esithile se-Amana Income Fund, okuyisici sayo esiyinhloko kwezinye izinhlobo zokutshalwa kwezimali ukuthi ivula izikhundla ezimpahleni zezimali ngokwezimiso zamaSulumane. Njengomphumela waleli su elikhetheke kakhulu, akukho kutshalwa kwezimali okwenziwa ezithombeni ezingcolile, iziphuzo ezidakayo, ugwayi noma ukugembula.

UJulius Baer, ​​ngokwengxenye yakhe, wethule le modeli emakethe kazwelonke, ngesikhwama sokutshala izimiso sokuziphatha, futhi kulokhu okuncike kwizindinganiso zamaKatolika. Ibizwa ngokuthi i-Temperantia, enephothifoliyo yemali engenayo ehlanganisiwe yamazwe omhlaba, okuwukuphela kwesidingo esiveza ukwamukelwa kwe- izimiso eziyisisekelo zale nkolo: ukuvikela impilo, isithunzi somuntu kanye nokuvikela imvelo, phakathi kwamanye amagugu.

Izinhlobo zokutshalwa kwezimali ezisuselwa kulo mgomo nazo ziyethulwa emibonweni yezwe lamaKatolika. Ngamafomethi ahlukahlukene ekuphathweni kwayo, noma izindlela zabo zifana kakhulu. Okunye, kunalokho, kusekelwe ekuthatheni izikhundla ezinkampanini zezikhali, izindlela zokuvimbela inzalo noma ukuqagela okunolaka ngokweqile. Le mikhiqizo yenzelwe iphrofayili yokutshalwa kwezimali echazwe kahle kakhulu. Kuphi izindinganiso zokuziphatha noma zobumbano ziyanqoba ngaphezu kokunye ukucatshangelwa.

Ngaphansi kwesu lobumbano

Yiso kanye lesi sici esidale abanye abaqeqeshi abanobuhlakani obukhulu. Futhi bathengiswa yizinkampani eziningi zokuphatha ezizama ukwanelisa lesi sidingo esikhetheke kakhulu phakathi kwamakhasimende abo aphambili. Kuze kube yilapho ufika esiphakamisweni esikhulu impela. Ngokungafani nezimali zokutshala imali ezivezwe phambilini. Ukutholakala kunoma yisiphi isikhungo sezezimali sikazwelonke. Ukuze ngale ndlela, khulisa amanye amanani wendawo yonke. Ngomkhiqizo onjalo futhi iningi liyizimali zokutshala imali.

Lezi ziphakamiso zisekela ukunikezwa kwazo ochungechungeni lwamanani wokuziphatha ukuze abatshalizimali bakwazi ukuqondisa iziphakamiso zabo ngezinga lamanani abakholelwa kuwo. Ngaphandle kwesidingo sokuya kwesinye isigaba sokutshalwa kwemali okujwayelekile. Ngokwalokhu kubuka, kungenye indlela okufanele wenze ngayo ukonga kube nenzuzo ngokuya ngezinkolelo zakho noma amanani akho. Ukuba munye kungenye yezinto ezibaluleke kakhulu.

Olunye uchungechunge lwemikhiqizo yezezimali

Noma kunjalo, uneminye imiklamo lapho ungaziphatha khona ngokuya ngezinkolelo zakho. Zimelwe ngokuyinhloko yi imali, ama-akhawunti wokuhlola kanye namakhadi esikweletu. Lapho unikezela ingxenye yalezi zindleko kumaphrojekthi wobumbano amelwe yizinhlangano ezinkulu ezingekho ngaphansi kukahulumeni. Ukunikezwa kwenkontileka yale mikhiqizo akubandakanyi izindleko ezingeziwe, futhi izinhloso zayo aziphambuki kumamodeli wendabuko.

Kuya ngokuya kukhula njalo ukuthi amafomethi amasha andisa lokhu kunikezwa okukhethekile. Kuvela amafomethi amasha, neziphakamiso ezintsha nochungechunge oluphelele lweminikelo kulawa maqembu. Okuthile okwakungacabangeki eminyakeni embalwa edlule. Ngalo mqondo, indima yezinhlangano zebhange imane nje qoqa ukufunwa kwamakhasimende. Ngokwenyuka okuphawuleka kakhulu kwale mikhiqizo yasebhange echazwe kahle.

Ngabe lezi zimali zinikela ini?

iminikelo

Izimali zoqobo zokutshala imali futhi zinikeza ithuba lokwandisa inani leziphakamiso onazo okwamanje ukwenza imali oyongile ikwazi ukuzuzisa ngenye indlela. Ngeke ikubandakanye ukuthatha izindleko ezinkulu. Kepha ngesizathu esifanayo akuthinti ukusebenza ongakuthola kusukela manje kuqhubeke. Kungafana nalokhu kwezimali zendabuko ezengeziwe zokutshala imali. Ngalo mqondo, umehluko kuncane kakhulu. Umehluko usemvelweni wayo. Akukho okunye.

Kunoma ikuphi, kukuvumela ukuthi ukhethe amanye amamodeli ahlukile. Kude namafomethi wempilo yonke. Ukuthatha i- umfutho omusha ngakho-ke ungakhetha amanye amabhizinisi ahlukile. Kwezinye izimo, akuvamile kakhulu ukwamukela ukonga kwabatshalizimali abancane nabaphakathi, njengoba kunjalo nakuwe. Ngethuba lokuthi uzokwazi nokutshala imali emaqenjini akho owathandayo ebhola lezinyawo. Noma wenze utshalomali kumawayini amakhulu athengiswa emhlabeni wonke.

Kuzodingeka uhlaziye kuphela lokho okunikezwe ngabaphathi ezandleni zakho bese ukhetha isikhwama sokutshala imali lokho ukulingana okungcono ngaphakathi kwephrofayili utshalomali olwethulayo njengamanje. Ngaphandle kokulindela ukubuya okumangazayo, ngisho nangaphezulu kwaleyo enikezwa ezinye izimali. Okokuqala, okunye okungenzeka ukuthi izimakethe zezezimali zikunikeze ukuthi usebenze nganoma iyiphi impahla yezezimali. Kusuka kokungokoqobo kuya kokungalindelekile kakhulu. Manje usungatshala imali yakho kunoma yiliphi ibhizinisi. Akukho ukukhishwa kwanoma yiluphi uhlobo. Kumele ubuyekeze ukunikezwa kwale mikhiqizo yezezimali ukuze ubone ukuthi le ndlela ingenzeka namuhla.


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.