Izinkinobho ezinhlanu zokuvikela isikhwama sakho sokutshala imali

okhiye

Izimali zokutshala imali zingenye yezindlela ezikhethwayo zabatshalizimali baseSpain ukwenza ukonga kwabo kube nenzuzo. Ukuthi umuntu oyedwa kwabathathu ubhalise umkhiqizo wezezimali walezi zici, ngokusho kwedatha yakamuva enikezwe yi-Inverco. Kuyimodeli yokonga eveze ukubuyekezwa okumaphakathi ngonyaka odlule cishe u-2,50%. Ngenzuzo yokuthi yethulwe ngaphansi kwamafomethi ahlukile: ama-equities, imali engenayo engaguquki, exubekile noma kusuka kwezinye izindlela. Ukuzilungiselela njengomkhiqizo oyinhloko wokonga okwamanje.

Ukubaluleka kwaso kwiphothifoliyo yokutshalwa kwezimali kwabatshalizimali abancane nabaphakathi ikakhulu kungenxa yokushoda kweziphakamiso ezinenzuzo zokwenza ngcono ukulingana. Ngalo mqondo, akunakukhohlwa ukuthi imikhiqizo yendabuko yasebhange ayidlule ezikhathini ezimnandi kakhulu. Kepha okuphambene nalokho, bacwiliswa ekubuyiselweni okuncane njengomphumela we ukushibilika kwentengo yemali. Futhi lokho kuholele ekufakeni imali, amanothi ezethembiso noma ama-akhawunti akhiqiza kakhulu anganikeli inzalo engaphezulu kuka-1,50% ngalo mzuzu onembile.

Kunoma ikuphi, izimali zokutshala imali zibe enye indlela kule mikhiqizo yezezimali, yize kungenangozi. Ngokuqondile ukuze lokhu kuncishiswe, ngeke ube nokunye ongakwenza ngaphandle kokusebenzisa uchungechunge lwamasu ukuze akunikeze ukuphepha okukhulu endaweni ngayinye ukusebenza. Ngokuya ngokwakhiwa kwalezi zimali kanye nokuthi ezinye zingaba nzima ukwedlula ezinye. Ngakho-ke bazodinga i- ukuvikelwa okukhulu ngemisebenzi yakho. Lezi kuzoba ezinye zezindlela zokuzivikela ozoba nazo kulo mkhiqizo odumile wezezimali.

Izimali ezivikelekile zemali

Vele, kwezinye izikhathi i ukushintshaniswa kwemali kungalimaza izintshisekelo zakho. Kufike ezingeni lokukhawulela inzuzo ongayithola kusukela ngesikhathi oqashiwe ngaso. Ukugwema lesi simo esingafuneki, akukho okungcono kunokuqasha isikhwama sokutshala imali esenzelwe ukuvikelwa kwemali. Ngale ndlela, ngeke ulinyazwe ushintsho olungeluhle lwemali enesivumelwano. Kungaba yi-euro, idola, iphawundi elihle kakhulu noma enye.

Ngale ndlela, kwezinye izimo ukulahleka ngeke kube namandla kakhulu lapho izimo zingaqhubeki. Ngenkathi kwabanye, kuzokusiza nje thuthukisa isitatimende semali engenayo ngenzuzo ephakeme kakhulu. Kunoma ikuphi, kuzoba isu lokutshala imali elingalimazi izintshisekelo zakho. Uma kungenjalo, ngokuphambene nalokho, kuzoba iqhinga elizuzisa kakhulu ukugwema izimo ezingezinhle ezimakethe zezimali. Ngaphandle kokukhokha amakhomishini angeziwe. Kulokho okuzoba ngenye indlela ekuphathweni kwempahla yakho uqobo noma yomndeni.

Ukuphathwa okusebenzayo kwezimali

ukuphathwa

Enye indlela ongayikhetha kulesi sigaba semikhiqizo yezezimali ukuphathwa kwezimali zokutshala imali okuningi nezimo kakhudlwana. Akumangalisi ukuthi uzokwazi ukuzivumelanisa nazo zonke izimo ezingaba khona ezimakethe zezimali. Ngisho kokulimaza kakhulu ezithakazelweni zakho. Ungasuka emholweni oguquguqukayo uye kumholo ohleliwe noma okuphambene nalokho, kuya ngokuvela kwezimpahla ezehlukene zezezimali. Futhi okubaluleke kakhulu, ngaphandle kokuthi wenze noma yini ngokuphelele. Esikhundleni salokho, leli su lizophatha umphathi wesikhwama sokutshala imali uqobo.

Kule ndlela ejwayelekile, kungaba yindlela ewusizo kakhulu ukuzivumelanisa nezinguquko ezintsha kumjikelezo wezomnotho. Noma okungenani lapho kukhona okubalulekile ukwehluka kuthrendi zezimakethe zezimali. Njengesibonelo, kusuka ku-bullish kuya ku-bearish. Ukuze ngale ndlela ube sezimweni ezihamba phambili ukwenza imali oyongele izuze. Noma ngabe iyiphi iphrofayili oyinikelayo njengomtshalizimali omncane naphakathi. Okwamanje, ingxenye enhle yezimali zokutshala izimali ithuthukiswa ngaphansi kwalesi sici esikhethekile. Ngeke ube nezinkinga zokuzithola ekunikezweni okuhlinzekwe yibhange lakho.

Amamodeli anokuhlukahluka okukhulu

Leli elinye lamasu angakusiza esikhathini esithile sempilo yakho yezezimali. Ikakhulu njengoba ungahlanganisa izimpahla ezehlukene zezezimali ukuzama ukuzenza thuthukisa ukusebenza yalo mkhiqizo wezezimali. Ngale ndlela yokutshala imali kuzoba lula kakhulu ukwenza ngcono izindlela zokulamula. Futhi okungenani, ukunciphisa ukulahleka lapho izimo ezimakethe zezimali kungezona lezo ebezihlongozwe ekuqaleni. Ngaphezu kwalokho, isicelo sayo ngeke sikudinge nganoma yisiphi isikhathi ukuthi ukhokhe noma yiluphi uhlobo lwamakhomishini noma izindleko zokuphathwa noma ukunakekelwa kwawo. Kuze kube seqophelweni lokuthi lezi zimali zokutshalwa kwezimali zingasiza kakhulu esikhathini esithile sempilo yakho yezezimali.

Ngakolunye uhlangothi, ukwehlukaniswa kwemali ezihlangwini zombili kungasiza ukuvikela imali izimo ezimbi kakhulu ezimakethe zezimali. Ukuthi kungakwenza uzuze imali uma kwezinye izimo leli qiniso lingaphezu kwamandla. Ngokuhlanganiswa okulungile kwezimpahla zezimali. Hhayi kuphela kumasheya, kepha futhi kusuka kumali engenayo engaguquki noma kusuka kwezinye izindlela noma izindlela ezintsha. Lokhu kungenye yezinzuzo ezikhethwa yile modeli ekutshalweni okuguquguquka kalula ekuphathweni kwayo.

Vula kuziphakamiso ezintsha

Okunye ukhiye wokufeza izinhloso zakho ukuthi isikhwama sokutshala imali singabandakanya amanye amamodeli wokutshala azinzile. Ngenhloso enkulu yokunciphisa ubungozi bengxenye enolaka kakhulu yomkhiqizo obhalisiwe. Isibonelo, ngokusebenzisa impahla ethile yemali ye- isimo semali lokho kunikeza ukuphepha okukhulu kwizimali ezifakiwe. Vele, inzuzo yayo ngeke ibukeke nakancane. Kepha kunalokho, kuzoba yisiqinisekiso sokuvikela izintshisekelo zakho ngesikhathi esifanelekile. Ngaphezu kwamanye amafomethi anolaka kulesi sigaba semikhiqizo yezezimali.

Uma lokhu kuyisifiso sakho, akufanele ukhathazeke ngokweqile kusukela kufayela le- umnikelo ohlinzekwa izinkampani zokuphatha Ibanzi kakhulu futhi ihloselwe zonke izinhlobo zamaphrofayela womsebenzisi. Ngaphansi kwephesenti elizoncika ekutheni imodeli yakho injani njengomtshali-zimali omncane naphakathi. Ngaphezu kwalokho, lezi zimali zilula kakhulu ukuziqonda ngoba ukwakheka kwazo akulula kakhulu. Ungabathola bobabili kumafomethi axhumene namasheya nakumali engenayo engaguquki. Kuyisu lokuzivikela elingakususa ezinkingeni ezingaphezu kwesisodwa esimweni sezomnotho esingajwayelekile. Ziyisidingo sokwenza impilo yakho ibe nzima ngokubhalisela izinhlobo ezahlukene zemikhiqizo yezezimali.

Okuphephe kakhulu: imali

imali

Ezimweni eziyinkimbinkimbi kunazo zonke ungaze uqashe lokho okubizwa ngezimali zokutshalwa kwemali. Zisebenza njengebhuloho ngaphambi kokuya kwamanye amafomula ayinkimbinkimbi ngokwengeziwe. Kuyiqiniso ukuthi ukusebenza ozothola nabo kuzoba kuncane kakhulu. Kepha okungenani uzomisa ukulahleka kwephothifoliyo yakho yokutshala imali. Kuze kufike ezingeni lokuthi uzoba nesikhathi sokuyidlulisela kwamanye amamodeli afunwa kakhulu. Imbuyiselo yokuthi izimali zokutshalwa kwezimali zikukhiqizela oscillate cishe phakathi kuka-0,10% no-1,50%. Lapho kuzobaluleke kakhulu ukuthi ukhethe imali eyiyo ukugwema amaphutha ongawakhokha kakhulu nganoma yisiphi isikhathi ngesikhathi senqubo yokutshala imali.

Ngokuphambene nalokho, bazoba nengozi ephansi ekuqashweni kwabo ngoba kuyaqabukela benikele ekulahlekelweni kokubaluleka okukhethekile. Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi lezi zimali zokutshala imali zingakusiza njenge- isiphephelo ngaphambi kwezikhathi ezinzima kakhulu ezimakethe zezezimali. Ikakhulukazi lapho ukuthambekela okuyisisekelo ezimakethe zamasheya kucace bha. Vele, uzoba nenkinga encane kakhulu ngale mikhiqizo yezezimali kusuka manje. Kuyinzuzo enkulu yokwenza kwayo ngokusemthethweni futhi ngokungafani nezinye izimali ezifuna kakhulu.

Cover izimo simo esishubile

Ekugcineni, le fomethi futhi ingakusindisa ezinkingeni ezingaphezu kweyodwa kusukela manje. Yize kulokhu kuzodingeka uthathe izingozi eziningi kunezinye. Ngakho-ke leyo nzuzo ifakiwe esitatimendeni sakho semali engenayo ezikhathini ezimbi kakhulu ezimakethe zezezimali. Kodwa-ke, kuyimodeli yokutshala imali enconywa kuphela ukwenziwa ngezikhathi ezithile ze isikhathi esifushane. Yilapho kusebenza khona kakhulu ekwenzeni ngcono ukubuyiselwa kwengcebo yakho yangasese noma yomndeni.

Ekugcineni, njengomphelelisi wotshalo-mali, ungazihlanganisa nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya noma ngisho nenye idiphozi enikeza inzuzo eyamukelekayo yezintshisekelo zakho. Isibonelo, okhangisayo lokho kukhiqiza inzuzo esondele ku-1,50%. Yize ezimweni eziningi zizodinga uhlobo oluthile lokuxhuma: amaholo aqondile, izikweletu zasendlini noma ukwandisa ubuhlobo bakho nebhange. Kungaba ingxube ekulethela izinzuzo eziningi kunokubi. Futhi ngakho-ke kufanele ukubheke ukuvikela imali yakho kusuka manje kuqhubeke. Yize ivela ekuvikeleni kakhulu kunamanye amamodeli wokutshala imali.


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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.