Omunye wemikhiqizo yokonga ngokusebenza kahle ngamadiphozi asebhange wesikhathi esinqunyiwe. Kepha banabo ngokumelene nabo okwamanje inzuzo yabo ephansi. Ngenzalo yokonga hhayi ngaphezulu kwe-1%, yize ikhululiwe kumakhomishini nakwezinye izindleko ekuphathweni noma ekugcineni kwayo. Lapho elinye lamasu okwenza ngcono ukubuya kwakho lincike ekwenziweni ngokusemthethweni kwezimo ezibhekiswe esikhathini eside ezikhiqiza ukuthi kufanele ube nemali enganyakazi izinyanga eziningi, mhlawumbe ziningi kakhulu kuma-saver amaningi.
Kunoma yiziphi izimo, lesi sigaba semikhiqizo yokonga singafakwa inkontileka yesikhathi esiphezulu esiphakathi kweminyaka emi-3 nengu-6, lapho kungakhethwa khona imali enenzalo ekhulayo, ehlelekile noma ebhekiswe enkombeni yesitoko, ngemali encane ephakathi Ama-1.000 kanye nama-10.000 euros, iphakeme kunaleyo eminye imikhiqizo yediphozi ngamatemu aphansi. Kwezinye izimo, ngamathuba wangempela okuwakhansela kusenesikhathi ngaphandle kokuthi ajeziswe ngamakhomishini angafinyelela ku-3%.
Ifomula evame kakhulu ukumaketha lolu hlobo lwemikhiqizo yezezimali ukusebenzisa inzalo ekhulayo, lapho imigomo iseyinde inzuzo iba nhle kakhulu, yize ngamaphesenti angashayi kakhulu izintshisekelo zalowo obhalisile, cishe u-3%. Kuphi awekho amafomethi amasha njengakwezinye izigaba zamadiphozithi amafushane lapho zihlala khona. Futhi kuzo zonke izimo kuzodingeka ukuthi idonswe kunzuzo enikezwa yile mikhiqizo yokonga kwangasese.
Imali yesikhathi eside: ukukhushulwa
Kuma-deposit wesikhathi eside, akukho ukukhushulwa noma ukunikezwa okwamukelekile okugxila kakhulu kubasebenzisi basebhange, yize kunalokho, amanani wenzalo ephansi awekho phezulu kakhulu. Lapho, ezimweni eziningi, yonke imali efakiwe iqinisekisiwe, okuyi-plus plus yezokuphepha kulezi zikhathi ezineziyaluyalu. Kepha noma kunjalo, lokhu akuyona inkambiso ejwayelekile kuleli banga lemikhiqizo yasebhange. Uma kungenjalo, kunalokho, zingamasu aqonde ngqo kufakwe izikhungo zezikweletu ukuze kuthathwe ukonga kwamakhasimende. Ukunikela ngezimo ezingcono ekuqashweni kwabo ngenzuzo engcono ethathelwa ngokwengxenye eyishumi ngaphezulu komholo.
Ngenkathi ngakolunye uhlangothi, kufanele kuboniswe ukuthi lo mkhiqizo ekukhushulweni awukwazi ukuvuselelwa ngabaphethe wona. Ngamanye amagama, alikho ithuba lokuqhubeka nalezi zimingcele zokulamula esibekwe zona yizikhungo ezinkulu zezikweletu eziphethe ezentengiselwano zazo. Ngesilinganiso senzalo esivame ukwehla phakathi kwe- 1,50% no-2,50%, futhi ngaphandle kokukhansela kusengaphambili. Lapho kuzodingeka khona ukuhlaziya ukuthi ukuhleleka kwayo kulula yini noma cha kusuka manje.
Imigomo yokuhlala
Esinye sezici zalezi zimali ezifakwa ebhange ukuthi imigomo yabo iphakeme kakhulu futhi bahamba ebangeni elisuka lapho Izinyanga ezi-24 kuya kwezi-56. Ngamanye amagama, kuthatha isikhathi eside ukuphatha le ngxenye yokonga kwethu ngokungafani nezintela zendabuko noma ezijwayelekile. Ngokwalokhu kubuka, kufanele kuqashelwe ukuthi zigcinelwe iphrofayili echazwe kahle kakhulu emelwe ngabasindisi abancane abanolaka. Njengeqiniso lokuthi ngomunye wemikhiqizo ehlala isikhathi eside esingayithola okwamanje futhi kunoma yikuphi okufana kakhulu kulesi sici nezimali zokutshala imali.
Enye into okufanele siyihlole ngokufakwa kwalezi zici iqiniso lokuthi zingenziwa zibe semthethweni nge-Intanethi. Ukuze ngale ndlela, sisesimweni sokwenza ngcono inzuzo ngamaphesenti ayishumi wephoyinti futhi njengomphelelisi walo mnikelo wokonga ngakunye. Kuze kube sekupheleni ukuthi umgoqo we-1% unganqotshwa ngokwanele kusuka kumanani amancane kusuka ku-1.000 XNUMX euros ngenkontileka ngayinye. Ngenkathi ngakolunye uhlangothi, ukwenza isivumelwano nge-inthanethi kuvumela ukuqhathanisa okungcono phakathi kokubekwa kwalezi zici. Ngokunethezeka okukhulu okuvela ekhaya noma kwenye indawo futhi nganoma yisiphi isikhathi sosuku, ngisho nasebusuku noma ngezimpelasonto.
Inzuzo eqhubekayo
Uma imali yesikhathi eside ibonakala ngento ethile, kungenxa yokuthi umholo wabo ususelwa kumatemu akhethiwe. Njengoba lezi zinde, liyanda inani lenzalo elisetshenziswa yizinhlangano ezikweletwa imali ngokuqhubekayo kuze kube kufika ezingeni eliphezulu lokuhlala unomphela. Kwezinye izinyathelo ezihambayo kusuka ku-0,1% kuya ku-0,5% cishe futhi lokho kungaba izihlungi zokukhetha le mikhiqizo yokonga. Ukuze ekugcineni kosuku sikwazi ukwedlula imingcele yokuqala yokulamula, okungenye yezinjongo zethu ezibekwe eqhulwini.
Kumele kuqashelwe futhi ukuthi imali yesikhathi eside ayisoze yazuza imbuyiselo emangalisayo. Uma kungenjalo, kunalokho, bahamba ngezinga eliphansi kakhulu lomholo njengomphumela wentengo eshibhile yemali. Akunakulibaleka ukuthi njengamanje lokhu kungu-0% nokuthi kuyimbangela yokuthi amadiphozithi esikhathi eside angabi nzuzo njengoba iningi labasindisi abancane nabamaphakathi belindele kulesi sigaba semikhiqizo yasebhange. Ngokuhambisana nokwamanye amamodeli anezici ezifanayo, njengoba kungabonakala okwamanje ngokunikezwa kwamabhange njengamanje.
Amabhange ayanikela
Izikhungo zezikweletu azikushalazeleli lokhu kunikezwa futhi sethule isiphakamiso esibanzi mayelana nokufakwa kwemali kwesikhathi eside. Ngalo mqondo, kufanele kuqashelwe ukuthi lezi azikhangi kangako kunakuqala futhi ukuthuthuka kwazo kuncane futhi akuhehi. Lapho bengekho kunoma yiliphi lamacala, i- izixhumanisi nezinye izimpahla zezimali, ngokuvamile ivela ezimakethe zezimali futhi ikakhulukazi okhethweni lwezimakethe zamasheya. Ngakolunye uhlangothi, kwezinye izimo, imali yesikhathi eside ifinyelela emaphethelweni wenzuzo yamanye amasu abelokhu esebenzisa lezi zindlela zokutshala imali.
Okunye futhi okubaluleke kakhulu ukuthi imali yesikhathi eside ayihloselwe ukonga yonke imali egcinwe ngabasebenzisi. Uma kungenjalo, kunalokho, kufanele bona kusengaphambili izindleko ezizobhekana nazo ezinyangeni noma eminyakeni embalwa ezayo. Ngokukhokha izikweletu zasekhaya, izibopho zentela noma ngisho nokukhokhwa kwesikole sezingane ezisencane. Kunoma ikuphi, ngeke kube khona okunye abangakwenza ngaphandle kokuhlaziya ukuthi siyini isabelomali esinaso kusukela manje ukudalula imali okufanele siyabele amadiphozi esikhathi eside.
Ngokunjalo, kubalulekile futhi ukuthi lezi zimali zesikhathi ziyindlela yokwakha ukushintshana okuzinzile kokonga isikhathi esimaphakathi futhi ikakhulukazi isikhathi eside. Lapho abasebenzisi bangagcina khona ukonga kwabo futhi bathole inzuzo encane kulokhu kunyakaza kwemali. Njengokuguquguquka kwayo okuncane ukujwayela amamodeli amasha ekuthengiseni kwayo futhi kushiye ifomethi ebonakala ngokuba yi-static kakhulu emibonweni eyahlukene yabasebenzisi. Azikho izinto ezimangazayo ngalokhu ezimeni zabo ekubhaliseni futhi lokhu kukwenza kubhekeke kakhulu kubo bonke abasindisi ezweni lethu. Ukufinyelela esiphethweni sokuthi kungahle kungakufanele ukwenziwa ngokusemthethweni ngenxa yesibalo esilethayo phakathi kwenzuzo yayo nesikhathi imali okufanele ipakwe ngaso kuze kube sekuvuthweni kwayo.
Ama-Akhawunti Wediphozi Avikelekile
Lolu hlobo lomkhiqizo wezezimali luhluke ngokuphelele ngoba lungabhaliswa kusuka kunani elincane lenyanga elingabizi kakhulu emakhaya, cishe ama-euro angama-100 cishe. Futhi lapho kwenziwa inhlokodolobha yesikhathi esimaphakathi noma yesikhathi eside evumela umnikazi wayo ukuthi aqongelele ukonga ikusasa kanye nenzalo ayenzayo. Ngakho-ke iyinhlanganisela phakathi kwe-akhawunti nediphozi ngomqondo wendabuko, yingakho igama layo, elinobuncane besikhathi se- okungenani iminyaka emihlanu, noma ngabe kunoma yisiphi isimo umnikazi udinga ukuba nemali etshaliwe, angenza ukubuyiselwa okuphelele noma okuyingxenye ngemuva kwezinyanga eziyisithupha eqashe.
Futhi kunesiqinisekiso sokuthi uzolulama njalo, okungenani, i-100% yenani elinikelwe kutshalo-mali olwenziwe, elengeza ukuhlanganiswa kokuphepha ekusebenzeni kwakho. Yenziwe njengenye yezindlela ezicace bha zotshalo-mali lwendabuko kumadiphozithi esikhathi esinqunyiwe, noma ngabe ngaphansi kwezimo zenkontileka ezihluke kakhulu. Ukuba ngomunye wemikhiqizo engaziwa kakhulu ngabasebenzisi be-stock market okwamanje. Ngenzuzo yokuthi, njengeminye imikhiqizo yezezimali, ayikhangi kakhulu ezithakazelweni zabantu ngabanye. Ngalo mqondo, akukwazi ukukhohlwa ukuthi intengo yemali njengamanje iku-0%, kumazinga aphansi omlando.