Yini iSicav?

mutual fund

Uma sikhuluma nge-sicav asikhombisi okokuqala kumodeli yokutshala imali. Ezimweni eziningi ezixhunywe kubantu abane- amandla wokuthenga aphezulu nokuthi obani abasebenzisa la mathuluzi okutshala imali ukuze yenza inzuzo ukonga kwakho kahle kakhulu nangochungechunge lwezinzuzo zezintshisekelo zakho. Ngoba empeleni, okubizwa nge-sicav akuwona umkhiqizo wanoma yisiphi isakhamuzi, njengoba uzobona kusukela manje kuqhubeke. Ngakho-ke impikiswano nalezi zinhlobo njengoba ingajabuli ngokuthandwa ngokweqile phakathi kwabatshalizimali abancane nabaphakathi ngenxa yezici zabo ezikhethekile.

Kepha yisikhathi sokuthi wazi ukuthi yini i-sicav empeleni. Yebo, empeleni luhlobo lweSikhungo Sokutshalwa Kwezimali Esihlangene senkampani, inhloso yayo kuphela ukuqoqa izimali, izimpahla noma amalungelo omphakathi wokuzilawula futhi batshale ezimpahleni, amalungelo, ukuphepha noma ezinye izinsimbi, ezezimali noma cha. Ihambisana nesichasiso se-Variable Capital Investment Companies.

Kodwa-ke, impikiswano eyenziwe yile mikhiqizo yezezimali kungenxa yentela yabo. Noma ukuyibeka ngokuqonda okungcono ngenxa yentela yayo ephansi. Ukufika ezingeni lokuthi ezimweni eziningi, ingxenye enhle yabasebenzisi iyazibuza ukuthi ngabe lezi zindlela zokutshala imali zisemthethweni ngempela noma ukuhambisana nemithetho utshalomali eSpain. Akumangalisi ukuthi ama-SICAV ahlala ehlotshaniswa nososozigidi, osomabhizinisi nabantu abanamandla aphezulu okuthenga ngokujwayelekile.

Intela ye-sicav

amazinga

Uma ukhuluma ngalo mkhiqizo wezezimali, ukuxhumana kwakho kokuqala kuhlala kususelwa endaweni yokubuka yentela. Ngoba empeleni, imisebenzi yenziwe bayakhokha yi-1% kuphela ku-Corporation Tax. Lokhu kungenye yomehluko omkhulu maqondana nalokho okwenziwe ngabatshalizimali abancane nabaphakathi abathi, ngokuphambene nalokho, bakhokhe intela kuzinzuzo zemali etholakele. Nganoma iyiphi ithuluzi lokutshala imali: izinzuzo, ukuthengwa nokuthengiswa kwamasheya esitoko emakethe yamasheya noma abanye bebonke. Ngomehluko ophawulekayo phakathi kwalokho okufanele kukhokhwe phakathi kwefomethi eyodwa noma enye yokutshalwa kwezimali.

Kulesi simo, kuhlale kuyinto efiselekayo ukuthi ubhalisele i-Variable Capital Investment Companies. Kepha-ke, lokhu kunzima kakhulu kubasebenzisi abaphakathi. Phakathi kwezinye izizathu ngoba banezimo ezinzima kakhulu nezikhawulayo. Ngakho-ke, umphumela wokugcina ukuthi ngeke ukwazi ukwenza isivumelwano nalesi sigaba semikhiqizo ehloselwe ukutshalwa kwezimali. Kunoma ikuphi, kuzoba lula ngawe ukwazi ukuthi yini i- izidingo ukuthi kuzokuphoqelela ukuthi ubambe iqhaza kulezi zimali ze-elitist.

Izidingo zalo mkhiqizo wezezimali

  • Inkampani enalezi zimpawu kufanele ihambisane nochungechunge lwezidingo, okulandelayo:
  • Lesi sigaba sezinkampani kumele sakhiwe okungenani abaninimasheya abayikhulu okuyinto enquma ekugcineni ukuthi yi-sivac.
  • Udinga umnikelo ngendlela ye- ubuncane capital ukuqala kwama-euro ayizigidi ezingama-2.4.
  • Imininingwane ebaluleke kakhulu ekuxazululeni kwayo ukuthi kufanele igadwe futhi ilawulwe yi Ikhomishini Yemakethe Yamasheya Kazwelonke (CNMV).
  • Ukutshalwa kwemali okwenziwe ngale ndlela ekhethekile yokutshala imali kuzokhokhiswa Intela yenhlangano 1%.
  • Yize ngemuva kokuthi okwenziwayo sekwenziwe kwaba semthethweni, kuzokhokhiswa intela njengembuyiselo yemali etholakalayo phakathi kuka-21% no-27%. Lokho, kufana nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya kanye neminye imikhiqizo yezezimali jikelele.

Izinzuzo zesivac

Uma uzongena kwi-Variable Capital Investment Company ezinsukwini ezimbalwa ezizayo, kufanele wazi zonke izinzuzo zalesi senzo. Vele, zingaphezu kwalokho ongakucabanga kusukela ekuqaleni futhi azigcini ngentela ephansi kuphela.

  • Banikela ngentela eSpain okungukuthi 1% esikhundleni se-30% yentela ejwayelekile yeNhlangano.
  • Izokuvumela ukuthi wenze ifayili le- ukulawula okuphelele kokutshalwa kwezimali ngoba ngalo mqondo icishe ifane nezimali zendabuko zokutshala imali.
  • Enye yezinzuzo zayo ukuthi ungakwazi ukuhoxa futhi thumela inani elithile lemali, ngaphandle kwanoma iluphi uhlobo lwamakhomishini noma ezinye izindleko ekuphathweni kwayo.
  • Intsha enhle maqondana namanye amamodeli wokuphatha ukuthi uzokwazi khulisa noma wehlise utshalomali lwakho.

Ungatshala imali kulezi zinkampani?

emiphakathini

Umbuzo ozozibuza wona okwamanje ukuthi ungangena yini ukutshala imali yakho etholakalayo kunoma iyiphi yalezi zinkampani. Yebo, uma kuliqiniso ngempela ukuthi kungukutshalwa kwemali eningi, awuvalwanga lo mnyango. Ngoba amathuba avuliwe ukuze abatshalizimali abazimele abanjengawe bakwazi ukungena ukuze babambe iqhaza kwenye yalezi zinkampani. Kanjani? Yebo, ngokusebenzisa inqubo ehlukile njengokuthenga amasheya e-SICAV kufayela le- Enye iMakethe Yesitoko (MAB).

Kuyindlela yokuthi ukhethe le ndlela entsha yokutshala imali kusuka kunqubo enesizotha noma uma ufuna ngayo ukulinganiselwa okukhulu ngokuqondene nomphumela wakho. Ukukunikeza umbono wokuthi lolu tshalomali luzoba njani, luzofana kakhulu nokuthi uvame ukwenza kanjani ngezimali ezihlangene. Akukho mehluko ngokwemiphumela yokutshalwa kwezimali. Ukufika lapho abanye abaphathi bemaketha ezinye zezimali zabo ngaphansi kwalezi zimiso zokuhweba. Ngemfuneko kuphela yokulinda inani lababambiqhaza abalikhulu elizofinyelelwa.

Uma lesi simo singafinyelelwanga, ngeke ukwazi ukubhalisela amasheya kuze kube ukumboza bonke abatshalizimali ukuthi lezi zimali ezikhethekile zokutshala izimali zidinga. Ngaphandle kwalesi sici, babhalwe ohlwini njenganoma yisiphi esinye isikhwama, kuya ngephothifoliyo abasuselwe kuyo. Ngazo zonke izinhlobo zezimpahla zezezimali, kusukela kulezo ezisuka kumasheya kuye emholweni ongaguquki. Ngaphandle kokukhohlwa nganoma yisiphi isikhathi okunye okunye noma okungenani okungezona ezendabuko. Ngalo mqondo, akukho mehluko owubekayo maqondana nezimali ezijwayelekile zokutshala imali. Ukuba ngenye yamafomethi ongawaqasha iminyaka eminingana futhi ukuthambekela kwayo kucace bha ngenxa yokufunwa kwayo okuphezulu.

Akuzona ezabacebile kuphela

Ngokwesiko, lo mkhiqizo wezezimali uhlale uxhunyaniswa nenhlanhla enkulu. Kujwayelekile impela ukuthi laba bantu batshale imali yabo kanye nezimpahla zabo ezinkampanini ezibizwa nge-Variable Capital Investment Companies. Kepha lo mkhuba ushintshe kakhulu eminyakeni yamuva. Kuze kube seqophelweni lokuthi wena usesimweni okwamanje sokusebenza nalesi sigaba samathuluzi okutshala imali. Hhayi ize, yize ingxenye enhle yale mikhiqizo ilawulwa ngabantu abanamandla amakhulu okuthenga emhlabeni, abanye bathanda Torrenova noma uBellver Isebenza cishe njengesikhwama sokutshala imali. Kokubili kokuhle nokubi. Kufika ezingeni lokuxazulula njengeminye yemikhiqizo ethandwa kakhulu ongayithola eSpain kusuka manje.

Kodwa-ke, kunokwehluka okuncane okufanele ukubhekele maqondana namamodeli wabo wokuphatha. Ngakolunye uhlangothi, kuma-sicav zimali zenziwa njengabaninimasheya wenkampani uqobo. Njengomphumela walesi sibalo somthetho abanaso ilungelo lokuvota emihlanganweni ngakho-ke amandla afanele okwenza izinqumo. Okuthile okungenzeki uma ubhalisela izimali eziguqulelwe kulezi zici. Ngakolunye uhlangothi, ezimalini ezifana ne-Variable Capital Investment Companies, indlela yokungena yehlukile. Lokho wukuthi, wenza ukubamba iqhaza kube semthethweni lapho ukwazi khona, hhayi lapho ufuna.

Amaphrofayli engcuphe ala mafomethi

izingozi

Izinkampani Eziguquguqukayo Zokutshalwa Kwezimali zingagcina iphrofayili enobungozi obukhulu ngokuya ngokwakhiwa kwephothifoliyo yazo. Ngokuyinhloko ngoba kuzoncika ekuchayekeni kwakho ezimakethe zezimali. Ngesici esiguquguqukayo esingahlola phakathi kuka-35% no-80% yephothifoliyo yokutshala imali. Ukuvikela lo mphumela, le ngxenye yephothifoliyo ingancishiswa ngokusebenzisa ubukhulu bemali engenayo engaguquki. Ngengxenye engafinyelela ku-80% wokuchayeka. Ngale ndlela, izingozi zizolungiswa kakhulu kunasesibonelweni esedlule.

ISicav ingashintshwa iphrofayili yomtshalizimali ngamunye. Ayikho imodeli eyodwa futhi engadluliseki ngokuya ngezidingo zangempela laba bantu abanazo. Ngisho, unayo amamodeli amaningi ongakhetha kuwo ukuze ukwazi ukuwusebenzisa ngokunenzuzo umndeni wakho nezimpahla zakho uqobo. Ngalo mqondo, kuyafana nangesinye isikhwama sokutshala imali noma eminye imikhiqizo yezezimali. Akumangalisi ukuthi omunye umehluko omkhulu phakathi kwazo zombili izindlela zokuphatha ulele kakhulu entweni yabo yentela.

Ngakolunye uhlangothi, i-Variable Capital Investment Companies ingagcina ezinye izinhlobo zokutshalwa kwemali ezihluke ngokuphelele. Isibonelo, amabhondi axhumene ne-inflation, imali engenayo evelayo eguqukayo kunoma yiluphi uhlobo lwemali, futhi kwezinye izimo ezimpahleni zezimali ezingavamile kakhulu njengokubolekwa kwemali noma ngisho nalabo okubizwa ngokuthi isivuno esikhulu. Ngamanye amagama, unezinye izindlela eziningi zokutshala imali oyongele kulezi zinhlobo zemikhiqizo yezezimali. Ngokuguquguquka okukhulu ekuphathweni kwakho kwansuku zonke.


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.