Ukungena ezweni lokutshala imali kuyindlela enhle kakhulu yokukhulisa ingcebo yakho, kodwa uma ungaqapheli ngentela, ungashaqeka uma sekuyisikhathi sokufaka imbuyiselo yakho. Akukhona nje ukuthi wenza malini uma uvala isivumelwano, kodwa ukuthi ingakanani imali leyo ehlala ephaketheni lakho ngemva kokuba idlule ohlelweni lwentela. isihlungi sentela.
Ukuze udlule kule nkinga yentela ngaphandle kokulahleka, kubalulekile ukuqonda ukuthi uhlelo lwaseSpain aluphathi isabelo senzuzo ngendlela efanayo nokuthengiswa kwesabelo. Kuye ngempahla, ukuthi uyigcina isikhathi esingakanani, noma izwe ohlala kulo, i-invoyisi yentela Kungahluka kakhulu, ngakho-ke ukuhlela intela kubaluleke kakhulu njengokukhetha isu lokutshala imali.
Imiqondo eyisisekelo yentela eSpain
Cishe yonke inzuzo etholakala emikhiqizweni yezezimali ihlanganiswa nalokho okwaziwa ngokuthi isisekelo sokonga yeNtela Yengeniso Yomuntu Siqu (i-IRPF). Ukuze kugwenywe ukudideka, i-Ejensi Yentela ihlukanisa le ngeniso ibe yizigaba ezimbili eziyinhloko: imali engenayo evela enhlokodolobha ehambayo kanye nenzuzo noma ukulahlekelwa kwenhlokodolobha. Kungumehluko wobuchwepheshe, kodwa inquma ukuthi intela ibalwa kanjani nokuthi ukulahlekelwa kungalungiswa kanjani.
Njengamanje, intela yokonga isetshenziswa kancane kancane. Lokhu kusho ukuthi awukhokhi iphesenti elinqunyiwe kuzo zonke izinzuzo, kodwa kunalokho udlula ezibakweni zentela ezahlukene kuye ngokuthi inani lenzuzo yakho lingakanani. Isibonelo, i-€6.000 yokuqala ikhokhiswa intela ku 19%, ingxenye ephakathi kuka-6.000 no-50.000 kuya ku- 21%njalo njalo kuze kufike ku- 30% ngalezo nzuzo ezidlula ama-euro angu-300.000.
Intela yamasheya nama-ETF
Uma sikhuluma ngamasheya noma ama-ETF, intela ayiveli lapho uthenga, kodwa uma uthengisa impahla noma uma ikhokha izinzuzo. Uma uthengisa ngenzuzo, une- inzuzo enkuluUkubala kulula: intengo yokuthengisa ngaphandle kwentengo yokuthenga, ukususa amakhomishini omthengisi. Ukuze kutholakale ukuthi yimaphi amasheya athengiswe kuqala, kusetshenziswa okulandelayo: Umthetho we-FIFO (Okokuqala Ukungena, Okuqala Ukuphuma), uma ubheka ukuthi amayunithi okuqala athengiwe yiwona okuqala ukuthengiswa.
Ngakolunye uhlangothi, izabelo zibhekwa njengenzuzo evela enhlokodolobha ehambayo. Uma izabelo zitholwa ngokheshi, zikhokhiswa intela ngokushesha. Uma zitholwa ngesimo samasheya amasha, intela iyahlehliswa kuze kube yilapho lawo masheya ethengiswa. Iphuzu elibalulekile lapha yi- Ama-ETF aqongelelayoeziphinde zitshale kabusha inzuzo ngokuzenzakalelayo, okuvumela umtshali-zimali ukuthi angakhokhi intela unyaka nonyaka, kodwa kuphela ekupheleni komsebenzi.
Kubalulekile ukuqaphela ukuthi ama-ETF awavumeli ukudluliselwa kwentela, ngokungafani nezimali zokutshalwa kwezimali zendabuko. Noma yikuphi ukunyakaza phakathi kwama-ETF kuhilela ukuthengisa, ngakho-ke, kudala isibopho sentela. isibopho sentela ngokushesha uma kukhona izinzuzo.
Ukuphathwa kwezimali zedijithali kanye nezimpahla zedijithali
Izwe le-crypto lidale ukudideka okukhulu, kodwa ngokuyisisekelo kubaphathi bentela izimpahla ezingaphathekiUma ushintshanisa i-Bitcoin ngama-euro noma enye i-cryptocurrency (i-swap), udala inzuzo noma ukulahlekelwa kwemali okumele kumenyezelwe njengengxenye yengeniso yakho yokonga. Kuma-swap, inani lokuthengisa liphezulu kunenani lempahla enikeziwe kanye nenani elitholiwe.
Akuyona yonke into emhlabeni we-crypto ephathelene nenzuzo yezimali. stakingKungakhathaliseki ukuthi kuqondile noma kudluliselwe kwabanye, kuvame ukubhekwa njengenzuzo ekutshalweni kwezimali. Kukhona ngisho nezimo lapho izimayini kanye nomthelela wazo kwezomnotho Zingabhekwa njengomsebenzi wezomnotho, ozosusa intela kusukela ekongeni kuya emalini isisekelo esijwayelekilelapho amazinga entela angaba namandla kakhulu, afinyelele ku-47% kuye ngokuthi yiliphi iqembu elizokhokha intela.
Ukuhweba, i-Forex kanye ne-CFD
Abadayisi abaningi bakholelwa ukuthi ukuhweba ngezikhathi ezimfushane noma ukulinganisa intela kushintsha isimo sabo sentela, kodwa lokhu kuyiphutha elingalungile. Kungakhathaliseki ukuthi uhweba nge-Forex, ama-CFD, noma amasheya, uma usebenzisa imali yakho, umphumela wokugcina wonyaka ukhokhiswa intela njengenzuzo. inzuzo noma ukulahlekelwa kwengqalasizindaInzuzo ithinta ubungozi bokuthengiselana, kodwa ayishintshi uhlobo lwentela yenzuzo etholiwe.
Kukhona icala elikhethekile: i ama-akhawunti axhaswe ngemaliLapha, awutshali imali yakho, kodwa unikeza isevisi yokuphatha imali. Ngakho-ke, le mali engenayo ayisebenzisi imali yakho egciniwe, kodwa ibhekwa njengemali engenayo evela emsebenzini wezomnotho. Lokhu kungadinga ukuthi umhwebi abhalise njengo [uchwepheshe womkhokhi wentela/wokutshalwa kwezimali]. ozimele uma kukhona ukuphindaphindeka kanye nokuphindaphinda kwamacala.
Indlela yokuphatha ukulahlekelwa nokuthuthukisa izinkokhelo
Akukhona konke mayelana nokukhokha; uhlelo lukuvumela ukuthi unciphise ibhili yakho yentela ngokusebenzisa... isinxephezelo sokukhubazekaUma uthengisa impahla ngokulahlekelwa, ungayisusa leyo mali enzuzweni yonyaka ofanayo. Uma usenokulahlekelwa okusele ngemva kwalokhu, unganciphisa kufikela ku-25% wemali engenayo yakho evela enhlokodolobha ehambayo (njengenzalo noma ama-dividend).
Uma unyaka ube mubi kakhulu futhi ukulahlekelwa kudlula inzuzo, unethuba lokwenza kanjalo. donsela phansi lokho kulahlekelwa iminyaka emine ezayo. Kubalulekile ukumemezela ngisho nalapho ulahlekelwa yimali, njengoba lena yindlela kuphela yokusungula ilungelo lokunciphisa intela esikhathini esizayo. Kodwa-ke, qaphela nge umthetho wezinyanga ezimbiliUma uthengisa ngokulahlekelwa bese uthenga kabusha impahla efanayo ngaphambi noma ngemva kwezinsuku ezingu-60, lokho kulahlekelwa kuyavinjelwa okwesikhashana.
Eminye imikhiqizo kanye nezibopho zokubika
- Izimali Zotshalomali: Bangamakhosi okuhlehliswa ngenxa yokukhululwa ekutshalweni kabusha kwemali, okukuvumela ukuthi udlulise imali phakathi kwezimali ngaphandle kokukhokha intela.
- Amadiphozithi kanye nama-Akhawunti Anenzalo: Zikhokhiswa intela njalo uma zivuthwa noma zithola inzalo, ngaphandle kokuthi zihlehliswe.
- Imithethosivivinywa Yezimali: Inzuzo iphathwa njengenzuzo evela enhlokodolobha enyakazayo.
- Izinhlelo Zempesheni: Ngokungafani nezangaphambilini, zikhokhiswa intela njengenzuzo yomsebenzi ngesikhathi sokubuyiselwa kwemali.
Ngale kwembuyiselo yentela yonyaka (iFomu 100), kunezibopho zokubika. Imodeli ye-720 Kuyimpoqo uma unama-akhawunti angaphezu kuka-€50.000 noma utshalomali kwamanye amazwe. Ngokufanayo, Imodeli ye-721 Isebenza ngqo ezimpahleni ze-crypto ezigcinwe ezimakethe ezingaphandle kweSpain ezidlula lowo mkhawulo ofanayo wama-euro angu-50.000.
Ukugcina ukulawula okuqinile kokuthengiselana kwezezimali, ukugcina amarisidi omsebenzi ngamunye, kanye nokwazi ukuhlukanisa phakathi kokonga kanye nempahla ejwayelekile kuyindlela kuphela yokugwema izinhlawulo nokukhulisa imbuyiselo ehlanzekile yanoma iyiphi iphothifoliyo yokutshalwa kwezimali.
