UJiří Filip Isitatimende sephephandaba: I-XTB, i-fintech yomhlaba wonke enikezela ngenkundla yokutshalwa kwezimali ku-inthanethi nohlelo lokusebenza lweselula, isebenzisa ubuchwepheshe bayo bobunikazi ukuze yenze ukutshalwa kwezimali okungapheli kwesikhathi eside kufinyeleleke futhi kube lula. Le nkampani isanda kuthuthukisa umkhiqizo wayo osekelwe ku-ETF ngesici esisha esivumela abatshalizimali ukuthi bagcwalise njalo Izinhlelo zabo Zokutshalwa Kwezimali. Izimali ezengeziwe zitshalwa ngokuzenzakalelayo ngokuvumelana nesabelo esithandwayo esibekwe iklayenti.
Ngemuva kokwethulwa kwakamuva kwenzalo kumadiphozithi angatshaliwe, i-XTB iyaqhubeka nokwandisa imikhiqizo yokutshala imali engenzi lutho. Izinhlelo zokutshala izimali ezisekelwe ku-ETF zisanda kuthola isici esisha esivumela abatshalizimali ukuthi banqume ukuthi bafuna ukutshala kangaki nokuthi yimalini.
Izinkokhelo eziphindelelayo zenziwe zatholakala kuhlelo lwe-XTB, futhi amakhasimende aseCzech Republic manje angakwazi ukugcwalisa amaphothifoliyo awo njalo ngokusetha i-cadence ayithandayo (nsuku zonke, masonto onke, nyanga zonke) kanye nendlela yokukhokha (ikhadi lesikweletu, ukudluliswa kwebhange noma izimali zamahhala ezivela ku- I-akhawunti ye-XTB). Izimali ezengeziwe zitshalwa ngokuzenzekelayo ukuze zibonise isabelo esithandwayo ngaphakathi kwephothifoliyo eyodwa ye-ETF. Lokhu kuthuthukiswa manje kwenza ukutshalwa kwezimali kwesikhathi eside kungabi nankinga ngokuvumela abatshalizimali ukuthi bafake futhi batshale imali yabo ngokuzenzakalelayo.
“Sigxile ekuthuthukiseni ulwazi lokutshala izimali olunikezwa amakhasimende ethu emhlabeni jikelele. Ngokuvumelana nendlela "yohlelo lokusebenza olulodwa - izinketho eziningi", sinweba ukunikezwa kwethu kokutshalwa kwezimali kwesikhashana ukuze kuhlangatshezwane nezidingo zabatshalizimali besikhathi eside abangafuni ukuchitha isikhathi esiningi belawula iphothifoliyo yabo. Ngokungezwa kwezinkokhelo eziphindelelayo kanye nesici se-autoinvest, sithathe ukutshala imali kwesikhashana sakuyisa kwelinye izinga njengoba manje sekuyazenzakalela futhi kulula kakhulu kumakhasimende ethu” kusho uDavid Šnajdr, umqondisi wesifunda we-XTB.
Ngaphakathi kwezinhlelo zokutshala izimali, amaklayenti angakha amaphothifoliyo afika kwangu-10, ngalinye elingaqukatha ama-ETF afinyelela kwayisishiyagalolunye. Umsebenzi wokutshala imali ozenzakalelayo udinga ukusethwa kuphothifoliyo ngayinye ngokuhlukile. Ingakhanselwa noma ihlelwe noma nini ohlelweni lokusebenza lwe-XTB. Ngokuvumelana nesiphakamiso se-XTB sisonke, kunenkokhelo engu-0% uma utshala imali kuma-ETF, futhi ukusungulwa nokuphathwa Kwezinhlelo Zokutshalwa Kwezimali kumahhala. Lokhu kusho ukuthi utshalomali lukhula ngaphandle kwezindleko ezingadingekile.
Ukusebenza Kwezinhlelo Zokutshalwa Kwezimali emakethe yaseCzech
Izinhlelo zokutshala izimali zethulwa amaklayenti e-XTB e-Czech Republic ekwindla. Ukuze isekele ukukhula kwayo okwengeziwe ezimakethe ezibalulekile zaseYurophu, i-XTB yethule entsha umkhankaso wokumaketha weziteshi eziningi. Lezi zindawo ziyisa ababukeli endaweni yonke ye-XTB, lapho inxusa lomkhiqizo womhlaba wonke u-Iker Casillas emele umnyombo wokutshala imali ongenzi lutho.
“Sigculisekile ngemiphumela ye-Investment Plans emakethe yaseCzech. Umkhiqizo wamukelwe kahle kakhulu amakhasimende ethu futhi sibona ukukhula okuqhubekayo kokubili ngokwenani lamakhasimende kanye nezimali ezifakwe kumaphothifoliyo awo wesikhathi eside. Ngenxa yokuzibandakanya kwabo kuze kube manje, sesibe yimakethe yesibili ngobukhulu ye-XTB ngokwenani lamakhasimende” kusho uVladimír Holovka, umqondisi wezentengiso we-XTB.
Ngo-2023, abatshalizimali abangenzi lutho e-Czech Republic ikakhulukazi bakhetha ama-ETF enkomba (ngokusekelwe ku-S&P 500, MSCI World kanye ne-NASDAQ 100 indices), kulandele ama-ETF amele ukusebenza kwezinkampani ezinezinga eliphezulu lezemvelo, lezenhlalo kanye nokubusa (ESG). I-TOP 5 iphinde yafaka ama-ETF anokuchayeka ezinkampanini ezinkulu zobuchwepheshe.
Uma kucatshangelwa ukuthi Izinhlelo Zokutshalwa Kwezimali manje sezitholakala kuphela kumadivayisi eselula, kuphinde kwaba nokwanda kokusatshalaliswa kwemishini ephathwayo phakathi kwabatshalizimali baseCzech kwafinyelela kumarekhodi angama-60%.
