Izimali zokutshala imali zingenye yemikhiqizo ekhethwayo yabasebenzisi bezezimali. Ubulula babo bokubabhalisela bujoyinwa yilesi senzakalo yi isamba esikhulu sezimali eyenziwe izinkampani zokuphatha. Phakathi kokuvelele kakhulu kunaleyo engenayo eguquguqukayo, engaguquki, yemali, eqinisekisiwe noma ehlukile, phakathi kokunye okubaluleke kakhulu. Ngedinominetha ejwayelekile kuzo zonke futhi lokho kuyingxenye yezimpahla eziningana zezimali ezakha iphothifoliyo yakho yokutshala imali.
Izimali zotshalo-mali, naphezu kokuntengantenga okukhulu obekukhomba izimakethe zezezimali ngo-Okthoba, kukhombise i impatho eyisicaba noma engemihle maqondana nokugeleza, futhi abakaze babone ukubuyiselwa kwemali ephelele kwama-euro ayizigidi ezingama-493 kulesi sikhathi esihlaziyiweyo. Ukungazinzi okuphezulu ezimakethe zamasheya kwakhombisa ukuziphatha kwezimakethe zamasheya zomhlaba ngo-Okthoba, nokuncipha kwenyanga nenyanga emikhakheni yomnotho esezingeni eliphezulu kanye nasafufusa. Ngakho-ke, ngokwesibonelo, izinkomba zokulinganisa ezifana ne-IBEX 35, i-S & P 500 noma i-Nikkei ivala inyanga ngokulungiswa kuka-5%, 7% no-9%, ngokulandelana.
Ukuziphatha kwezimakethe zamasheya zomhlaba kubeke ukuvela kwempahla yezigaba ezahlukahlukene zeZikhwama Zotshalomali. Eqinisweni, isigaba esinabaphezulu kakhulu nciphisa ivolumu yezimpahla kube yilezo ze-International Variable Income, okuthi noma ibhekane nokubhaliselwa okuphelele ngenyanga, yehlise izimpahla zayo ngama-euro angaphezu kwezigidi eziyi-1.252. Kunoma ikuphi, lesi sigaba siyaqhubeka nokurekhoda okukodwa kokukhula okukhulu kwezemali ngo-2018 wonkana (9,7% ngaphezulu kunasekupheleni konyaka).
Izimali: okhiye bokuzazi
Lesi sigaba semikhiqizo edumile yezezimali siholele ezikhathini eziningi ongazi ngamandla aso wonke mayelana nokuthi yini osayinayo. Lokhu noma yikanjani akumele ukwenze ngoba isiteki siphezulu futhi noma iliphi iphutha okhethweni lingakudla imali eningi kusukela manje kuqhubeke. Uma ungenalo ulwazi oluningi mayelana nokuthi yisiphi isikhwama sokutshala imali yini enye onentshisekelo yokutshala imali kungaba ngcono uma uzibeka ezandleni zomeluleki onguchwepheshe ukuthola lesi senzo. Akumangalisi ukuthi elinye lamaphutha engxenye enhle yabatshalizimali ukuthi abazi lolu hlobo lwemikhiqizo ekhethekile.
Kulesi simo, ukufunda incwajana yesikhwama ofaka kuso imali yakho kuzoba isinyathelo esifanele kakhulu osithathayo manje ukulungisa lokhu kushoda okubalulekile. Ngale ndlela, uzokwazi ngaso sonke isikhathi ukuthi izimpahla zezimali ingabe utshala imali nokuthi yiliphi isu lokutshala izimali abaphathi babo abalenzayo ekugcineni. Ngoba kufanele ukhumbule ukuthi isikhwama ngasinye sokutshala imali sihlukile. Abekho ababili abafanayo futhi lokhu kwenza ukukhetha kwakho kube nzima kakhulu. Njengakumakhomishini asebenza kuwe kusuka ngesikhathi esiqondile sokuqashwa kwabo.
Yazi imvelaphi nokwakheka kwayo
Le ngenye yemingcele okufanele uyihlole lapho uqasha noma yisiphi isikhwama sokutshala imali. Uyazazi izinzuzo zalolu hlobo lotshalo-mali? Uyazi ukuthi yisiphi isikhwama ofake kuso imali eningi? ngeminye yemibuzo okufanele uzibuze yona kusuka manje ngolwazi lwakho oluphelele nangaphezulu kokunye ukucatshangelwa kwezobuchwepheshe. Futhi kusenenani elikhulu labatshalizimali abathi abazi ingxenye yolwazi kubalulekile lapho utshala imali kulolu hlobo lwemoto yokonga. Kusukela manje kuqhubeke akudingeki ukuthi ube yingxenye yale phrofayili kubasebenzisi.
Ngubani ophethe izimpahla zakho? Ngenye indlela okufanele uyenze ngaphambi kokuqasha. Hhayi ngeze, kuzokunikeza umkhondo ongajwayelekile mayelana nesikhwama sokutshala imali ozobhalisela sona noma ngabe kufanelekile kuzimpawu zakho zangempela njengomtshalizimali oyikho. Ngokuphambene nalokho, uma iningi lezimpendulo zale mibuzo livuma, kuzoba uphawu oluhamba phambili lokuthi konke kuhamba kahle otshalweni osanda kuluthuthukisa. Uzoba nesiqiniseko ngokwengeziwe ngenkonzo lo mkhiqizo wezezimali ongakunikeza yona ngawo wonke umzuzu wempilo yakho.
Iqiniso lezimali
Komunye umthambo, awukwazi ukukhohlwa ukuthi inani lama-akhawunti abamba iqhaza kwizimali zokutshala imali livale u-Agasti kumayunithi ayi-11.318.000. Cishe ama-akhawunti angama-200.000 angaphansi kwesilinganiso somlando esifinyelelwe ngoJuni odlule. Izinga lokukhuphuka okunqwabelene kulesi sikhathi esihlaziyiweyo lisaholwa yimali yomhlaba, okuthi, ngaphandle kokwehliswa okwenzeke ngo-Okthoba, kukhule ukukhula okungaphezulu kwama-23% ngonyaka wezi-2018 wonkana. okuqinisekisiwe nemali Yizo ezikhule kakhulu ngo-Okthoba, zinezigidi ezingama-120 nezingama-52 zama-euro, ngokulandelana.
Lokhu kuzokunikeza umbono ongcono womkhiqizo wezezimali ozoba setafuleni. Ngakolunye uhlangothi, kuzokwazisa nangefayela le- amakhomishini nezinye izindleko kubaphathi okuzofanele ubhekane nakho. Hlala wazi ukuthi ngokungafani namanye amamodeli wokutshala imali, kwizimali ungathola amakhomishini amaningi ezinhlobonhlobo. Okuthile okuzodingeka uphile nakho uma ungumtshalizimali ojwayelekile kulolu hlobo lwemikhiqizo yezezimali. Akumangalisi ukuthi ingesinye sezici zayo ezithandwa kakhulu, ngoba uzokwazi ukuqinisekisa kusukela manje.
Ziyini izimpahla zakho zezezimali?
Vele, awudingi ukuqasha isikhwama sokutshala imali ngoba, kepha kunalokho, uzodinga ukwazi ukwakheka kwaso. Ngokuyinhloko, izimpahla zezimali ezihlanganiswayo nokuthi ngamaphi amaphesenti ukuze ngale ndlela ukwazi futhi landela ukuvela kwabo njalo ezimakethe zezimali. Uma kungenzeka, kufanele basebenze obaziyo ngoba kuyisu elihle kakhulu lokugwema ukungajabuli kwesinye isikhathi kusuka manje. Ngakolunye uhlangothi, uma unemibuzo, awunaso esinye isixazululo ngaphandle kokuya ebhizinisini lapho ubhalise khona isikhwama sokutshala imali ukuze usicacise ngokweneliseka okuphelele.
Enye into okufanele ibhekwe kulo mkhiqizo wezezimali yilokho okuhlobene nezimali zokutshala imali, eziyinkimbinkimbi kakhulu futhi ngenxa yalokho zidinga a imininingwane engaphezulu kwakho. Akufanele ngalo mqondo ukuthi uqashe imikhiqizo engazi ukuthi isebenza kanjani, ingasaphathwa eyokuthi ingaveza imiphumela emibi kakhulu uma ngezansi ekugcineni kungaziphathi ngendlela obulindele ngayo ekuqaleni. Ungesabi ukucela imininingwane ethe xaxa ebhange lakho noma ebhizinisini lapho wenze khona lo msebenzi ngokusemthethweni.
Akuyona imikhiqizo enezikhombo
Esinye isici okufanele usikhumbule kusukela manje kuqhubeke ukuthi imali yokutshala imali ngokuvamile ayikhonjwa. Lokhu kwenza uma kunjalo kuxhunywe enkombeni yesitoko, ngokwesibonelo, ungaphindi uyiphindaphinde futhi lokhu kukwenza udideke ekulandeleni kwayo. Ukuhlola ukuthi akubhalwanga ngendlela efanayo nenkomba lapho isikhwama sokutshala imali sixhunywe khona. Uma ungafuni ukuba nale nkinga, ngeke ube nenye indlela ngaphandle kokubhalisela isikhwama sokutshala imali esikhonjiswe ngokwemvelo.
Leli ngelinye lamaphutha amakhulu abajwayele ukwenza abatshalizimali abancane nabaphakathi futhi kwenzeka ukuthi lapho bebona ukulinganiswa kwesikhwama sabo sokutshala imali akufani njengoba bebehlelile. Ngalesi sizathu esiqondile kunconywa kakhulu ukuthi ungalokothi ubheke ukubopha kwabo, kepha ngokuphambene nalokho, iya emthonjeni oqondile, kulokhu okungenzeki ngaphandle kwesikhwama sokutshala imali uqobo. Ukuze ngale ndlela ungabe usaba nezinkinga zalolu hlobo futhi futhi lokho kungakuvimbela ekubeni wazi ukuthi yimali enjani oyitshale ngaso sonke isikhathi.
Kukhawulelwe ngamakhomishini
Ngakolunye uhlangothi, kufanele wazi futhi ukuthi kwezinye izimali zokutshala imali, amaholo okungenzeka ukuthi unawo esikhwameni sokutshala imali esinenkontileka angahle abekwe amakhomishini ahlanganisa lolu hlobo lwemikhiqizo yezezimali. Ngalo mqondo, kufanele wazi ukuthi yimaphi amakhomishini uwahlanganisayo namaphesenti awo ukuze abekhona kukhishwe kunzuzo yalo mkhiqizo. Akumangalisi ukuthi kukhona amakhomishini angafinyelela ngisho namazinga acishe abe ngu-2%. Kuze kube seqophelweni lokuthi "bangadla" ingxenye enkulu yenzuzo yemali eqoqiwe kuze kube yileso sikhathi.
Amakhomishini angaba maningi futhi abe nemvelo ehlukahlukene futhi hhayi wonke asetshenziswa ngendlela efanayo njengoba usungakwazi manje. Lokhu kusho ukuthi kufanele uqaphele kakhulu ngale ndaba ukuthi ngakolunye uhlangothi awusoze wazithola usuthengile futhi wathengisa amasheya emakethe yamasheya. Kulesi sici, akunakwenzeka ukuthi izimali zokutshala imali zingumkhiqizo wezezimali onzima kakhulu, kepha sigcizelela kuphela kulesi sici. Kokusele ayinikezi izinkinga ezeqile ukusebenza nabo njengoba zenziwe ngaphansi kwecebo elicace bha kohlelo lwayo kanye nokwakheka kwalo.
Kepha kuzo zonke izimo kufanele uqaphele kakhulu kubo ukuze ekugcineni yonke inqubo ikhule ngokuya ngalokho okulindele kule mikhiqizo yezezimali ithandwa kangaka kubatshalizimali.