Sifaka kuphi imali esiyongayo? Lo ngumbuzo obalulekile ukucacisa ukuthi iyiphi imephu yokutshala imali ezweni lethu. Ukukhombisa ukuthi imikhuba yethu ihlobene nani ukuphathwa kwemali futhi okuyimikhiqizo yezezimali ejabulela ukwethenjwa okukhulu kakhulu ngabatshalizimali abancane nabaphakathi. Akumangalisi ukuthi ukuphendula yonke le mibuzo kuzosiza ukucacisa ezinye zezinto ezixhunywe emkhakheni wokutshala imali.
Ngokusho kwe-'I Popcoin Investment Barometer ', umphathi weBankinter wokutshalwa kwezimali kwidijithali, ama-94% abantu baseSpain bakubona kubalulekile ukuthi babe nebhange elizokwazi ukuxhasa izimali abazitshalile. Lapho, izikhwama zempesheni (45%) nezimali zokutshala imali (44%) zombili imikhiqizo yezezimali ekhethwa yizakhamizi. Lo mbiko ubuye ukhombise ukuthi abasindisi abayisithupha kwabayishumi baseSpain abaneminyaka ephakathi kuka-25 no-44 bakhetha izindlela zokutshala imali ezidijithali kunalezo ezibhekene ubuso nobuso.
Iqiniso elimangalisa kakhulu kulokhu kuhlaziywa ukuthi ngaphakathi kwemikhiqizo emibili yezezimali ngokuzimisela okukhulu Izilondolozi azibandakanyi ukuthenga nokuthengisa amasheya ezimakethe zokulingana. Okuthile, ngakolunye uhlangothi, kunengqondo ngokuphelele futhi kuyaqondakala ngesikhathi sokuhlangana lapho imakethe yamasheya ingekho esimweni sayo esihle kakhulu. Ngeke sikhohlwe ukuthi ngonyaka odlule, izimakethe zamasheya zomhlaba wonke zehle ngo-15%. Ngokuguquguquka okubuyele ezimakethe ngamandla akhethekile nangokuqina.
Iphrofayela yabasindisi baseSpain
Njengoba lo mbiko wemboni ukhombisa, ama-71% wabasindisi baseSpain bangabatshalizimali futhi basabalalisile, phakathi kwemikhiqizo ehlukene yezezimali, inhlokodolobha ye phakathi kwama-1.000 no-50.000 ama-euro. Lesi ngesinye seziphetho ezisemqoka ze- Mina I-Popcoin Investment Barometer, Imenenja yokutshalwa kwezimali edijithali yakwaBankinter.
Ngaphakathi kwalolu hlu, ama-34% alaba batshalizimali baqinisekisa ukuthi banenani elitshaliwe eliphakathi kuka-1.000 10.000 no-37 euros, kanti ama-10.000% athi aphakathi kuka-50.000 500 no-60 20 euros. Ebuzwa mayelana nokutshalwa kwemali okwenziwa ngezikhathi ezithile, lawa afinyelela kuma-euro angama-1.500 kumacala angama-XNUMX%, kuyilapho ama-XNUMX% wabatshalizimali anikela ngeminikelo engaphezu kwama-euro ayi-XNUMX.
Usizo lokutshala imali
Esinye seziphetho zeBarometer sigxile eqinisweni lokuthi abaseSpain babheka ukuthi isibalo semenenja esezingeni elifanele sihambisana kakhulu nokutshalwa kwemali, njengoba kukhonjiswa iqiniso lokuthi ama-93% alabo okuhloliwe bakholelwa ukuthi kubalulekile ube nomphathi ukukusiza uthathe isinqumo futhi unikeze ongakhetha kukho otshalile imali. Akumangalisi ukuthi ukulahleka okuningi okwenziwa ezimakethe zezezimali kungenxa yokungazi komkhiqizo noma insizakalo enikezwe ngayo ngebhange.
Ngalo mqondo, nokuqhubeka nokwandisa noma ukuqinisa ukwethenjwa ezinsizakalweni zokuphatha, abaphenduli nabo bakwazisa ngokuqinisekile ukuphepha kokuba nakho ibhange eleseka utshalomali olwenziwe, ngoba u-94% wabo usho ukuthi lesi sici sibalulekile kubo lapho benza isinqumo sokutshala imali.
Iningi lemikhiqizo enesivumelwano
Esinye seziphetho ezisemqoka ezifinyelelwe yilo mbiko ukuthi yibo izimali zokutshala imali nezikhwama zempesheni, imikhiqizo encanyelwa abagibeli baseSpain. Ngalo mqondo, kusobala ukuthi maqondana nemikhiqizo oyithandayo yokutshalwa kwezimali kwabaseSpain, izimali zempesheni (45%) nezimali zokutshala imali (44%) zigqame njengezintandokazi, ngaphezu kweminye imikhiqizo yezimali efana, amasheya (35%). Ukuhumusha okukodwa kwale mininingwane ukuthi kunentshisekelo ekhulayo yokulindela okungenzeka eminyakeni yokuthatha umhlalaphansi.
Ngakolunye uhlangothi, isisindo sezimali zokutshala imali sibaluleke kakhulu eminyakeni yobudala kusukela eminyakeni engu-35 ubudala. Ngakho-ke, ama-50% wabatshalizimali abaphakathi kweminyaka engama-35 nengama-44 ubudala aya kulo mkhiqizo. Eqenjini lobudala eliphakathi kuka-45 no-54, iphesenti limi kuma-45%, futhi kuze kufike kuma-53% wabatshalizimali abaneminyaka engaphezu kwengama-55 ubudala bafaka ingxenye yokonga kwabo kwizikhwama zotshalo-mali. Ngokwehlukahluka okuningana kuye ngeminyaka yabafakizicelo bale mikhiqizo yezezimali, noma ngabe hlobo luni nesimo sabo.
Inzalo yenkontileka eku-inthanethi
Umbiko uphinde ugcizelele elinye iqiniso eliphawuleka kakhulu nokuthi isiteshi 'esiku-inthanethi' sinesisindo esikhulayo phakathi kokuthandwa ngabasebenzisi abakulesi sigaba semikhiqizo yezezimali. Ngakolunye uhlangothi, i- Mina I-Popcoin Investment Barometer futhi ithole ukuthambekela okuphezulu ekutshalweni kwedijithali. Ngale ndlela, ama-55% abantu abasha abaphakathi kweminyaka engama-25 nengama-34 ubudala bayathanda invest shape online, ngenkathi ama-32% kuphela angakhetha ukuvakashela ihhovisi mathupha.
Lokhu kuziphendukela kwemvelo, okuqinisekisa ukuguqulwa kokuncamelayo komphakathi okuya ezinsizakalweni zedijithali njenge abeluleki, abaphathi bezimali online, iyaphindaphindwa eqenjini lobudala eliphakathi kweminyaka engama-35 nengama-44, lapho kusetshenziswa khona ama-46% izindlela zedijithali ukunquma ukuthi imali abayongile bayaphi, kuyilapho ama-43% ekhetha okwenyama. Lo mkhuba ekuphathweni kwemali okhula kancane kancane futhi ofinyelela emazingeni aphezulu, ikakhulukazi ngenxa yokuba khona kwabasebenzisi abasebasha.
Izinga lokufunda ngezezimali
Akungabazeki ukuthi izinga lolwazi lwezezimali lungezinye zezinto ezinqumayo zokukhetha noma ukubhala ngaphansi komkhiqizo wezezimali, noma kungaba yini. Ngalo mqondo, umbiko uveza ukuthi lokhu kukhetha iziteshi online Kubuye kugqanyiswe lapho kuhlolisiswa, ngaphezu kweminyaka, izinga lolwazi lwezezimali izakhamizi ezinalo: izinga eliphakeme lolwazi, kukhula utshalomali ngokusebenzisa iziteshi zedijithali.
Ngokuya ngemininingwane ye Mina I-Popcoin Investment Barometer, Ama-saver angama-58% athi anolwazi olujwayelekile, aqonda ngawo imiqondo eyisisekelo, okufana nencazelo yesabelo senkampani esohlwini, amanani wenzalo noma isikhwama sokubambisana. Ngokwabo, ama-23% athi anezinga eliphakeme lolwazi, amagama okuqonda afana nengozi, uketshezi lotshalo-mali noma ukulahleka kwenani.
Okokugcina, kuphela u-5% wababuzwe okwathiwa baqonde izincazelo eziyinkimbinkimbi kunezizedlule kanti u-14% wabo ukhombisa ukuthi abanalo ulwazi lwezezimali. Ngakho-ke, labo abanolwazi oluphakeme noma oluphakeme kakhulu, bakwenza kucace ukuthanda kwabo iziteshi eziku-inthanethi lapho bebeka imali, ikakhulukazi, i-56% ne-60%, ngokulandelana. Ukushiya ngokusobala ukuthi yini i- profile eyethulwe ngumsebenzisi okwamanje futhi lokho kuchaza ngezinga elithile ukuthi kungani eminye imikhiqizo yezezimali inikezwa izinkontileka ukulimaza abanye.
Izimali zokutshala imali, phezulu
Akumangazi-ke ukuthi izimali zokutshala imali zingenye yemikhiqizo yokutshalwa kwezimali ekhethwa ngabaseSpain. Lokhu kukhonjiswa yi-Association of Collective Investment Institutions and Pension Funds, okuqinisekisa lokho yize ukubuyiselwa kwemali okuncane Ezinyangeni ezedlule, izimali zokutshalwa kwezimali zavala unyaka odlule ngokubhaliswa okuphelele okubalelwa ku-8.410 million euro.
Lapho isimo esishubile esikhona ezimakethe zezimali ezinyangeni ezedlule siphinde saba nomthelela omubi ekuguqukeni kwempahla Yezikhwama Zotshalomali ngenyanga kaDisemba. Eqinisweni, i- ivolumu yefa kutholakale ukulungiswa ngoDisemba kwama-euro ayizigidi ezingama-7.589 (2,9% ngaphansi kwenyanga edlule), futhi wavala unyaka kuma-euro ayizigidi ezingama-257.551. Ngisho nakule ndlela, kuyacaca ukuthi lo mkhiqizo usanikeza ukuzethemba kubatshalizimali baseSpain. Ngaphezu kokuthengwa nokuthengiswa kwamasheya ezimakethe zezimali.
Okuqinisekisiwe nemali
Izigaba kuphela abake babhekana nazo ukulingana kuyanda ekupheleni konyaka odlule babeyizidlidlidlika kakhulu, njengeziqinisekisiwe nemali, ngokunyuka kwama-euro ayizigidi eziyi-137 no-186, ngokulandelana. Kodwa-ke, izimpahla zabo zehlisiwe unyaka wonke, futhi ngenxa yezikhathi ezikhethekile izimakethe zezimali ezidlule kuzo ngaphandle kwanoma yiluphi uhlobo.
Ngenkathi kunalokho, isigaba esinokwehla okukhulu kwezimali ngoDisemba kwakuyimali yamazwe omhlaba (ama-euro ayizigidi ezingama-2.610 ngaphansi kukaNovemba), kepha wavala unyaka ngokwanda kwama-euro ayizigidi ezingama-97, amele u-0,3, XNUMX% ngaphezulu kunalowo isikhathi esifanayo sonyaka odlule. Ngakolunye uhlangothi, okunye kokuzivocavoca okubi kakhulu eminyakeni yamuva nalapho ukulahleka sekufakiwe kubhalansi yezimali zokutshala imali.
Lapho isimo esishubile esikhona ezimakethe zezimali ezinyangeni ezedlule siphinde saba nomthelela omubi ekuguqukeni kwempahla Yezikhwama Zotshalomali ngenyanga kaDisemba. Eqinisweni, i- ivolumu yefa kutholakale ukulungiswa ngoDisemba kwama-euro ayizigidi ezingama-7.589 (2,9% ngaphansi kwenyanga edlule), futhi wavala unyaka kuma-euro ayizigidi ezingama-257.551. Ngisho nakule ndlela, kuyacaca ukuthi lo mkhiqizo usanikeza ukuzethemba kubatshalizimali baseSpain.