Ukwehlukahluka kwiphothifoliyo yezimali zokutshala imali

ukwehluka

Izikhwama Zikazwelonke Zotshalomali zibhalise ukuqala konyaka okuhle kakhulu ochungechungeni lomlando, ngo inzuzo enqwabelene ka-3,3% ezinyangeni ezimbili zokuqala zonyaka, ngokusho kombiko wakamuva we-Association of Collective Investment Institutions and Pension Funds (Inverco). Lapho kukhonjiswa khona ukuthi izimpahla ezihlanganyelwe zotshalomali oluhlangene (Izimali Nezinkampani) zithole ukwanda kwama-euro ayizigidi ezingama-3.478 ngoFebhuwari futhi zema kuma-463.352 wezigidi, okusho ukwanda ngo-0,6% maqondana noJanuwari.

Ngokwalolu cwaningo, ezinyangeni ezimbili zokuqala zonyaka, inani lempahla lenyuke ngo-1,8%. Inani lama-akhawunti ababambiqhaza ngalesi sikhathi lime kuma-14.836.455, okusho ukuthi ukwehliswa kuka-0,4% uma kuqhathaniswa noDisemba 2018. UFebhuwari uqhubeke nomkhuba omuhle kaJanuwari futhi kube nokubuyekezwa ezimakethe zezimali, eziye zavumela izimali zikazwelonke zokutshalwa kwezimali ukuthi zibhalise ukuqala konyaka okuhle kakhulu ngenzuzo yochungechunge lomlando.

Ngakho-ke, ivolumu yezimpahla yabhekana nokwanda ngoFebhuwari kwezigidi ezingama-2.373 zama-euro (0,8% ngaphezulu kwenyanga edlule), futhi yama kuma-euro ayizigidi ezingama-264.491. Ukukhula kwenani lezimpahla kungenxa yokusebenza okuhle kwezimakethe esikhathini, kusizwe yi ukugeleza kokuziphatha, okwathi ngemuva kwezinyanga ezimbalwa zokubuyiselwa kwemali kwaguqula umkhuba wezinyanga ezedlule, okukhombisa umphumela omuhle kuma-euro ayizigidi ezingama-49 wokubhaliswa okuphelele ngenyanga.

Ukulinganisela okuhle kwezimali

izimali

Zonke izigaba ezikhwameni zotshalo-mali zibhekane nokukhuphuka kokulingana kobukhulu obukhulu noma obuncane, ngaphandle kwe izimali zikazwelonke kanye nembuyiselo ephelele, okuye kwaphazanyiswa yimbuyiselo ebhaliswe ezigabeni zabo, ngoba ukusebenza kwabo ngenxa yezimbuyiselo nakho bekukuhle ngalesi sikhathi. Ukuvela kokulingana kwezimali ezihlanganisiwe nakho bekukuhle esikhathini. Ngakho-ke, izimali ezihlanganisiwe zikhule ngama-euro ayizigidi ezingama-263 kanye nemali engenayo engaxutshiwe yenza kanjalo ngama-euro ayizigidi ezingama-269.

Kunoma ikuphi, futhi unikezwe ukufika okuzayo kwezinyanga zasehlobo, yisikhathi esihle sokuhlela kabusha iphothifoliyo yezimali zokutshala imali ngabasindisa. Ngalo mqondo, isu lisuselwa ku unikeze ukuphepha okukhulu ezikhundleni zabahlanganyeli kulesigaba semikhiqizo yezezimali. Ikakhulu, uma kubhekwa ukwanda okwenziwe ezimakethe zezimali zikazwelonke nezamazwe omhlaba futhi kusalindwe ukuthi engxenyeni yesibili yonyaka kuzoba nokulungiswa okubalulekile ekuvumelaneni kwamanani abo. Zingavela ngisho nangokuqina okuphawulekayo ngokuya ngemicimbi.

Hlukanisa izimpahla zezimali

Esinye sezihluthulelo zokuvikela ukulondolozwa kwethu ekuqhekekeni okungenzeka ezimakethe zezimali kusekelwe hlukanisa okuqukethwe kwakho. Lokho wukuthi, ekuhlanganiseni izimpahla ezehlukene zezezimali ukuze sikwazi ukuphuma ekuguquguqukeni kokutshalwa kwezimali. Indlela elula yokwenza le misebenzi ibe semthethweni ngokuhlanganisa izimpahla zezimali ezisuka kumasheya kanye nemali engenayo engaguquki. Kuyindlela ephumelela kakhulu yokunciphisa ubungozi ngaphezulu kokunye ukucatshangelwa. Ngokwesilinganiso esilungiswa kuphrofayela esiyethula njengabatshalizimali abancane nabaphakathi: abalondolozayo, abanolaka noma abalinganiselayo.

Ngakolunye uhlangothi, ukwamukelwa kwalolu hlelo lokuphathwa kwezimali zotshalo-mali kusivumela ukuthi sisebenzise zonke izimo ezingaba khona ezimakethe zezimali. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo. Iqiniso ukuthi kungaba umbono omuhle ukubhekana nesikhathi esedlule sonyaka onzima. Lapho esingeke sazikhethela ngaphandle dlulisela ezinye izimali kwabanye Kunconywa kakhulu ngale nkathi entsha esiyiqale kusukela kuleli hlobo.

Bamba amathuba

Akufanele siphuthelwe yithuba lokuthatha izikhundla esikhwameni sokutshala imali iphothifoliyo yalo yokutshala imali eyenziwe ngezinye izimpahla zezimali ezisemzuzwini omuhle wokuhweba. Sibhekise ngqo ezimakethe ze izinto zokusetshenziswa nezinsimbi eziyigugu. Kuzona zozimbili izimo, ngokuthambekela okuphezulu ezinyangeni ezimbalwa nangamandla okubuyekeza aphezulu kunakwamanye amafa ezezimali ajwayelekile noma ajwayelekile. Ngokwezinga elingasebenzisa kangcono izikhundla zethu kulesi sigaba semikhiqizo yezezimali.

Kunoma ikuphi, akukho okunye esingakwenza ngaphandle kwalokho khetha kakhudlwana kusukela manje kuya phambili ngenxa yokuthi ukunikezwa kulezi zimali zokutshala imali kuphansi. Ayikho imikhiqizo eminingi emakethwa ngaphansi kwalezi zici ezikhetheke kakhulu futhi inamakhomishini athe xaxa athe xaxa kunakuyo yonke eminye. Izindlela zokukhetha kufanele ziqine kakhulu futhi zihlaziywe ngokujulile ukukhombisa ukuthi ziyazifanela yini izidingo zethu zokutshala imali. Akumangalisi ukuthi asijwayele ukusebenza nabo ngakho-ke lo msebenzi udinga isikhathi esithe xaxa nokuzinikela. Kuyimfuneko yokwandisa ukusebenza.

Ezimalini zemali

imali

Izimali zokutshalwa kwemali ziphephile impela futhi akekho ongabazayo lokho. Okwenzekayo ukuthi inzuzo abayinikezayo njengamanje icishe ibe nguziro noma ibe mbi kancane ngakho-ke akusizakali ukuqasha ngalesi sikhathi. Ngoba intengo yemali isezingeni eliphansi ngokomlando endaweni ye-euro futhi kubonakala sengathi le nkambiso ngeke iguquke esikhathini esithile, okungenani phakathi konyaka owodwa noma emibili. Ngokwalo mbono, izikhundla zethu ezikhwameni zokutshalwa kwemali kuzoba kuncane impela, ngombono wokuzivikela enanini lezinye izimpahla zezimali ezakha izimali ezimelwe kuphothifoliyo yotshalo-mali.

Ngakolunye uhlangothi, izimali zemali kufanele zilungiselelwe njengomphelelisi wotshalo-mali futhi zingalokothi zibe njengotshalomali olukhulu. Lokhu yinto okungafanele siyinake uma singafuni ukuba nezinye izimanga ezingezinhle kusukela manje kuqhubeke. Ngengozi esobala onayo ubaqashe ngenye imali ngaphandle kwe-euro. Phakathi kwezinye izizathu, ngoba ekugcineni inzuzo ingaba yimbi. Lokho kusho ukuthi, sinokulahlekelwa esikhwameni sokutshala imali salezi zici, njengoba kwenzeka okwamanje.

Ukuphatha okusebenzayo noma okungenzi lutho?

ukuphathwa

Izimali zokuphatha ezingahambisani nalutho ziphinde zaba nokuthenga okuhle ngoFebhuwari (ama-euro ayizigidi ezingama-134) futhi zaqongelela cishe ama-euro ayizigidi ezingama-327 okungena kwemali ngonyaka. Ngakho-ke kungumzuzu wokuhlaziya ukuthi kusuka manje kuya phambili yini ukuthi izimali zethu zokutshala imali zibe nokuphathwa kokungenzi lutho noma, kunalokho, ukuphathwa okusebenzayo kunenzuzo enkulu. Kamuva inenzuzo enkulu yokuthi ingashintshwa kuzo zonke izimo zezimakethe zezimali, ngisho naku- izimo ezingezinhle kakhulu ngokwabo. Ngalo mqondo, kunabahlaziyi bemakethe yemali abathanda kakhulu uhlobo oluthile lokuphathwa kwizimali zokutshala imali kunabanye.

Ngaphakathi kwemodeli ngayinye yokuphatha kunezinhlobonhlobo zezimali zokutshala imali ezinezici ezihluke kakhulu ezingalingana nephrofayili yethu njengomtshalizimali omncane naphakathi. Sekuyisikhathi sokuzifuna futhi uma kungenzeka ukuthi kuhlanganisa a izinga lamakhomishini esingawathwala kangcono kwisabelomali somuntu siqu. Ngenkathi ngakolunye uhlangothi, uhlobo lwabaphathi luzophinde lunqunywe ukuthi isimo sangempela sezimakethe zezimali siyini ngesikhathi sokwenza lo mkhiqizo wokonga ngokusemthethweni. Zisukela kwizimali zokulingana ziye kwamanye amafomethi, ngokuhlukahluka okudonse amehlo eminyakeni yamuva.

Kususelwa ezimakethe zase-Europe

Esinye isici okuzodingeka sicatshangelwe ukuma kwaso ngokwendawo, ngoba esikhathini esihlaziyiwe, izimali zomhlaba wonke zasebenza kahle ngoFebhuwari futhi zandisa izimpahla zazo ngama-euro ayizigidi ezingama-525. Kungaba inketho yangempela ukunciphisa ubungozi ngalo mkhiqizo wezezimali. Esikhundleni sokugxila emakethe eyodwa, njengenkomba ekhethiwe yezimali zaseSpain, i- Ibex 35. Akukulungele ukubeka imali kubhasikidi ofanayo, kepha kungcono ukukuhlukanisa. Ngemali engenayo engaguquki, amamodeli ahlukile futhi anengxenye ethile yezezakhiwo uma kungenzeka. Konke ngenhloso yokuthola ukwehlukahluka okukhulu kuphothifoliyo yokutshala imali.

Ngakolunye uhlangothi, kungcono ukwenza imisebenzi ezimakethe zase-Europe ngaphambi kwe-United States ngoba bakhule kancane eminyakeni yamuva. Ngakho-ke, ukulungiswa kwayo kuzobonakala kunciphe kakhulu futhi kunethuba eliphakeme lokubuyekeza kumasheya ayo. Ngokombono, kungcono ukukhetha lezi zimakethe ekucushweni kwezimali zokutshala imali ezixhunywe kwizimali. Lapho zingasekelwa ezinye izimpahla zezezimali zohlobo nesimo esihlukile Noma kuzo zonke izimo, ngeke kube nokukhetha ngaphandle kokukhetha kakhulu lapho ukhetha izibambiso ezizokwakha ubhasikidi wamasheya ezimali zokutshala imali.


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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.