Ungayithola kanjani imali eyengeziwe ye-CZK 1 ngomzuzu wesikhathi sakho ngenyanga? Kunezindlela ezifakazelwe

Umlayezo wezentengiso: Ukutshala imali kube nokukhula okukhulu eminyakeni yamuva nje. Izimali zokutshalwa kwezimali, izindlu zama-brokerage kanye nezinkundla zokutshalwa kwezimali zibike ukwenyuka kwamarekhodi kuzo zonke izinkomba. Kodwa manje kufika ukuhlanzwa. Imali eningi eshisayo ingene futhi iphuma emakethe ezinyangeni ezimbalwa ezedlule ezinzima, futhi ngokuvamile kakhulu ekulahlekelweni okukhulu. Bese kuba nabatshalizimali besikhathi eside abanombono weminyaka eminingana futhi uma bengena emakethe muva nje, kungenzeka ukuthi baphinde babhekane nokulahlekelwa okuqhubekayo. Embhalweni olandelayo, sizobheka ukuthi unganciphisa kanjani kalula ukulahlekelwa kwakho okuqhubekayo kuze kufike ku-20%, noma ukhulise inzuzo yakho eqhubekayo engaba khona ngama-20%.

Kusabalulekile iningi lemali litshalwa ngezimali ezihlanganyelwe zendabuko. Amaphuzu alandelayo ayisici salezi zimali zendabuko:

• Ukuphathwa kokutshalwa kwezimali kuphathwa umphathi wephothifoliyo oqeqeshiwe (noma iqembu), umtshali-zimali akudingeki asebenze nganoma iyiphi indlela.
• Abaphathi besikhwama ngokuvamile baqapha kakhulu, futhi ikakhulukazi abafuni ukulahlekelwa kakhulu kunesilinganiso semakethe.
• Ngokusho kwazo zonke izibalo ezitholakalayo iningi lezimali eziphethwe ngokuzimisela alizuzi isivuno esikhulu, kunesilinganiso semakethe.
• Okwalokhu ukuphathwa kwesikhwama imvamisa ikhokhiswa isikhawu kusuka ku-1% kuya ku-2,5%, ngokwesilinganiso 1,5% kusukela enhlokodolobha ngonyaka, okuhlanganisa iminyaka yokulahlekelwa, okungukuthi ukulahlekelwa kwemakethe kujula ngalokho.

Ake sigxile ephuzwini lokugcina, elichaza izindleko zotshalomali ngokwalo. Uma ngokuhamba kwesikhathi isilinganiso sembuyiselo yesitoko siphakathi kuka-6 kuya ku-9% futhi inani lokutshalwa kwezimali kwakho lehla ngo-1,5% njalo ngonyaka, khona-ke ithebula elingezansi libonisa ukuthi esikhathini eside lona umehluko omkhulu ngempela.

Umthombo: izibalo zakho

Umthelela wenzalo ehlanganisiwe, efaka kabusha inzuzo ezuziwe, isho ukuthi noma yikuphi ukwenyuka kwezindleko kunqunywa ngendlela emangalisayo enanini lokugcina le-investimenti. I-Scenario A ilingisa imbuyiselo emaphakathi ngaphezu kweminyaka engama-20 ngaphandle kwanoma yiziphi izinkokhelo. I-Scenario B, ngakolunye uhlangothi, ilingisa imbuyiselo enenani eliyisilinganiso elingu-1,5%. Lapha sibona umehluko esimweni sangaphambilini sama-280 ngaphezulu kweminyaka engama-000. Kuleli qophelo, kufanele futhi kukhunjulwe ukuthi iningi lezimali eziphethwe ngokuzimisela alizuzi inzuzo ephezulu kunesilinganiso semakethe (imvamisa zithola izinzuzo eziphansi kakhulu). Okokugcina, isimo C sibonisa isikhwama esinezindleko eziphansi esinemali engu-20% ngonyaka, esilandela cishe ngokuphelele ukuthuthukiswa kwemakethe yamasheya emelwe enye inkomba yesitoko. Lezi zimali ezishibhile zibizwa ngokuthi ama-ETF - Izikhwama Zokuhwebelana Ngezimali.

ngoba Imali ye-ETF ibonakala ngokuthi:

• Azilawulwa ngokuqhubekayo, njengomthetho bakopisha inkomba yesitoko esinikeziwe, noma elinye iqembu elichaziwe lezibambiso zokulingana.
• Izindleko zokuphatha isikhwama eziphansi kakhulu - ngokuvamile kufika ku-0,2%, kodwa abanye ngisho no-0,07%.
• Ukubuyekezwa kwenani lezimali (futhi ngaleyo ndlela ukutshalwa kwezimali kwakho) kwenzeka njalo lapho i-ETF idayiswa esitokisini.
• Kudinga indlela esheshayo ngomtshali-zimali

Futhi lapha siphinda sihlaba ikhefu ephuzwini lokugcina. Ngokungafani nokutshalwa kwezimali kwakudala noma izimali ezihlanganyelwe, lapho ungadingeki ukhathazeke ngempela mayelana nokutshalwa kwezimali kwakho, esimweni sama-ETF, udinga ukuzijwayeza okungenani izisekelo ezibalulekile zendlela ama-ETF asebenza ngayo. Ngesikhathi esifanayo, uma uhlela ukutshala imali njalo ngediphozithi yanyanga zonke noma okungenani yekota, kufanele ngaso sonke isikhathi uyithenge ngenkuthalo i-ETF enikeziwe. Kuzicelo zesimanje zokutshala izimali zohlobo Isiteshi se-x noma Iselula ye-xStation yonke inqubo ithatha amaminithi ambalwa kakhulu, kodwa kubasebenzisi abanekhono kakhulu kungathatha amashumi ambalwa amasekhondi. Khona-ke wonke umtshali-zimali kufanele aziphendulele ukuthi ufuna ukufeza isisho sendabuko esithi "akukho ukuzuza ngaphandle kwezinhlungu” futhi ngaleyo ndlela ingakanani imbuyiselo azimisele ukuyidlulisela esikhwameni sokutshala imali ngalokho akwazi ukuzilawula kakhulu kulezi zinsuku. Njengoba sibonile ezimweni ezingenhla, lesi umehluko phakathi kwesikhwama sendabuko kanye ne-ETF ungaba amakhulu ezinkulungwane zemiqhele, uma sibheka isikhathi eside sokutshala izimali.

Isibalo sokugcina okufanele uzindle:

Umthombo: izibalo zakho

Ithebula elingenhla libonisa lokho okungalindelwa eminyakeni engama-20 imali eyengeziwe uma kwenzeka ama-ETF abiza kancane ifinyelela cishe ku-240 CZK.. Nokho, le mali engenayo eyengeziwe idinga ukuthenga okusebenzayo kwe-ETF ku-akhawunti yakho yokutshala nyanga zonke. Umugqa wokugcina wethebula ubonisa ukuthi uzozuza malini ngenyanga uma uthenga i-ETF ulandelela ukusebenza okumaphakathi kwemakethe yamasheya njalo ngenyanga iminyaka engu-20. Ngamanye amazwi, uma uthatha iminithi elilodwa lesikhathi sakho nyanga zonke ukufaka ukuthenga kwe-ETF endaweni yakho yokutshala imali, ngokuhamba kwesikhathi i-1 CZK eyengeziwe ngomzuzu owodwa wesikhathi sakho futhi uqaphele nyanga zonke. Ngakho, eminyakeni engu-20, cishe 240 CZK. Uma, ngakolunye uhlangothi, udlulisela izimali ozitshalile ezikhwameni zendabuko, udlulisela le nzuzo eyengeziwe kubaphathi bezikhwama futhi uzigcinele umzuzu owodwa womsebenzi nyanga zonke.

• Okuningi mayelana nendlela ama-ETF asebenza ngayo Landa mahhala - I-ETF edume kakhulu ye-XTB