Omunye wemikhiqizo yokonga ethandwa kakhulu yidiphozithi yasebhange yesikhathi esinqunyiwe. Kodwa-ke, inkinga yayo enkulu okwamanje yinzuzo yayo ephansi. Njengoba amazinga enzalo ekongeni engekho ngaphezu kwe-1% , yize kungekho zimali noma ezinye izindleko zokuphatha noma zokulungisa, isu elilodwa lokuthuthukisa imbuyiselo ukwenza amadiphozithi esikhathi eside, okusho ukugcina imali iboshiwe izinyanga eziningi—mhlawumbe eminingi kakhulu kubantu abaningi abalondolozayo.
Kunoma ikuphi, lolu hlobo lwemikhiqizo yokonga lungenziwa isikhathi esiphezulu esisukela eminyakeni emi-3 kuya kwengu-6, lapho ungakhetha khona amadiphozithi anezinga lenzalo elikhulayo, amadiphozithi ahlelekile, noma amadiphozithi axhunywe ku-index yemakethe yamasheya, enemali encane ephakathi kuka- €1.000 no-€10.000 , ephakeme kuneyeminye imikhiqizo yediphozithi enemigomo emifushane. Kwezinye izimo, kukhona ithuba langempela lokukhansela kusenesikhathi ngaphandle kokuthi kutholakale izinhlawulo, ezingafinyelela ku-3%.
Indlela evame kakhulu yokumaketha lezi zinhlobo zemikhiqizo yezezimali ukusebenzisa amazinga enzalo akhulayo, lapho imbuyiselo iba mnandi kakhulu njengoba imigomo ikhula, yize amaphesenti engakhangi kakhulu uma kuqhathaniswa nokonga kwangempela kombhalisile, okuzungeze u-3%. Azikho izindlela ezintsha ezifana nalezo ezitholakala kwezinye izinhlobo zediphozithi zesikhathi esifushane. Futhi kuzo zonke izimo, lokhu kuzodingeka kususwe embuyiselweni enikezwa yile mikhiqizo yokonga komuntu siqu.
Imali yesikhathi eside: ukukhushulwa
Amadiphozithi esikhathi eside awanikezi okunikezwayo kokukhushulwa noma kokwamukelwa amakhasimende asebhange avame ukugxila kukho, yize evame ukuba namazinga enzalo aphansi. Ezimweni eziningi, yonke imali efakiwe iqinisekisiwe, inikeza ukuphepha okwengeziwe kwabalondolozi kulezi zikhathi ezinzima. Kodwa-ke, lokhu akuyona into evamile kulezi zinhlobo zemikhiqizo yasebhange. Esikhundleni salokho, lawa amasu aqondile kakhulu asetshenziswa yizikhungo zezimali ukuheha ukonga kwamakhasimende. Anikeza imigomo nemibandela engcono ngembuyiselo ephezulu, ehumusha kube yizingxenye ezimbalwa kwezishumi zephesenti ngaphezulu kwesilinganiso senzalo.
Ngakolunye uhlangothi, kufanele kuqashelwe ukuthi lo mkhiqizo, uma unikezwa njengephromoshini, awukwazi ukuvuselelwa ngabanikazi bawo. Ngamanye amazwi, alikho ithuba lokuqhubeka nemingcele yokungenelela ebekwa yizikhungo ezinkulu zesikweletu eziphethe ukuthengiswa kwawo. Ngesilinganiso senzalo esivame ukuba phakathi kuka -1,50% no-2,50% , futhi ngaphandle kokukhanselwa kusenesikhathi, kufanele ucabangele ukuthi kuyalulekwa yini ukuthatha le mboleko ngalesi sikhathi noma cha.
Imigomo yokuhlala
Esinye sezici zala madiphozithi asebhange isikhathi sawo eside kakhulu, kusukela ezinyangeni ezingama-24 kuya kwezingama-56 . Lokhu kusho ukuthi sinesikhathi esiningi sokuphatha le ngxenye yokonga kwethu, ngokungafani namadiphozithi avamile noma avamile. Kusukela kulo mbono, kubalulekile ukuqaphela ukuthi agcinelwe iphrofayili ethile kakhulu: ukonga okungenamandla. Ngokufanayo, aphakathi kwemikhiqizo yesikhathi eside kakhulu esingayithenga njengamanje, futhi kulokhu, afana kakhulu nezimali zokutshalwa kwezimali.
Esinye isici okufanele sicatshangelwe ngalezi zinhlobo zamadiphozithi ukuthi angavulwa ku-inthanethi. Lokhu kuvumela imbuyiselo ephezulu engaba khona yezingxenye ezimbalwa kweshumi zephesenti, okuhambisana nalesi sipho sokonga kubantu ngabanye. Eqinisweni, kungenzeka ukudlula uphawu lwe-1% ngembuyiselo efanelekile, kusukela enanini elincane le-€1.000 ngenkontileka ngayinye . Ngaphezu kwalokho, ukuvulwa ku-inthanethi kuvumela ukuqhathaniswa okungcono kwamadiphozithi afanayo, kalula ekhaya noma kunoma iyiphi enye indawo, nganoma yisiphi isikhathi sosuku, ngisho nasebusuku noma ngezimpelasonto.
Inzuzo eqhubekayo
Esinye sezici ezichazayo zediphozithi zesikhathi eside ukuthi imbuyiselo yazo incike esikhathini esikhethiwe. Uma isikhathi eside, izinga lenzalo elinikezwa yizikhungo zezimali liyanda, likhula kancane kancane kuze kufike isikhathi esiphezulu sokubamba. Lawa manani asukela cishe ku -0,1% kuya ku-0,5% futhi angasebenza njengesihlungi lapho ukhetha le mikhiqizo yokonga. Ekugcineni, lokhu kusisiza ukuba sinqobe imingcele yokuqala yokungenelela, okungenye yezinto eziza kuqala kithi.
Kumele kuqashelwe futhi ukuthi imali yesikhathi eside ayisoze yazuza imbuyiselo emangalisayo. Uma kungenjalo, kunalokho, bahamba ngezinga eliphansi kakhulu lomholo njengomphumela wentengo eshibhile yemali. Akunakulibaleka ukuthi njengamanje lokhu kungu-0% nokuthi kuyimbangela yokuthi amadiphozithi esikhathi eside angabi nzuzo njengoba iningi labasindisi abancane nabamaphakathi belindele kulesi sigaba semikhiqizo yasebhange. Ngokuhambisana nokwamanye amamodeli anezici ezifanayo, njengoba kungabonakala okwamanje ngokunikezwa kwamabhange njengamanje.
Amabhange ayanikela
Izikhungo zesikweletu ziphendule kulesi sidingo futhi zaqala izinketho eziningi zokufaka imali yesikhathi eside. Kodwa-ke, kubalulekile ukuqaphela ukuthi lawa madiphozithi awasakhangi kangako kunangaphambili, futhi ukuthuthuka kwawo kuya ngokuya kuncipha. Akukho nakunye kwalezi zimo lapho exhunyaniswe khona nezinye izimpahla zezimali , ngokuvamile lezo ezivela ezimakethe zamasheya, futhi ikakhulukazi ezivela ekutshalweni kwezimali emakethe yamasheya. Ngaphezu kwalokho, amadiphozithi esikhathi eside ahluleka ukufeza izinzuzo zamanye amasu okutshala imali.
Kubaluleke kakhulu futhi ukuqonda ukuthi amadiphozithi esikhathi eside awahloselwe ukugcina yonke imali eqoqwe ngumsebenzisi. Ngokuphambene nalokho, aklanyelwe ukubikezela izindleko ezizodinga ukumbozwa ezinyangeni noma eminyakeni ezayo, njengezikweletu zasekhaya, intela, noma ngisho nemali yesikole yezingane ezincane. Kunoma ikuphi, kuzobaluleka ukuhlaziya isabelomali sakho samanje ukuze unqume ukuthi ingakanani imali okufanele uyibeke kumadiphozithi esikhathi eside.
Ngokunjalo, kubalulekile futhi ukuthi lezi zimali zesikhathi ziyindlela yokwakha ukushintshana okuzinzile kokonga isikhathi esimaphakathi futhi ikakhulukazi isikhathi eside. Lapho abasebenzisi bangagcina khona ukonga kwabo futhi bathole inzuzo encane kulokhu kunyakaza kwemali. Njengokuguquguquka kwayo okuncane ukujwayela amamodeli amasha ekuthengiseni kwayo futhi kushiye ifomethi ebonakala ngokuba yi-static kakhulu emibonweni eyahlukene yabasebenzisi. Azikho izinto ezimangazayo ngalokhu ezimeni zabo ekubhaliseni futhi lokhu kukwenza kubhekeke kakhulu kubo bonke abasindisi ezweni lethu. Ukufinyelela esiphethweni sokuthi kungahle kungakufanele ukwenziwa ngokusemthethweni ngenxa yesibalo esilethayo phakathi kwenzuzo yayo nesikhathi imali okufanele ipakwe ngaso kuze kube sekuvuthweni kwayo.
Ama-Akhawunti Wediphozi Avikelekile
Lolu hlobo lomkhiqizo wezezimali luhlukaniswa ngokuyinhloko ngokutshala imali okuncane okungabizi kwanyanga zonke, cishe ama-€100, okufinyeleleka kalula emindenini eminingi. Luvumela ukuqongelela imali esikhathini esiphakathi noma eside, okuvumela umnikazi ukuthi onge isikhathi esizayo kanye nenzalo ekhiqizwe. Luyinhlanganisela ye-akhawunti yokonga yendabuko kanye nediphozithi, yingakho libizwa kanjalo, futhi lunesikhathi esincane seminyaka emihlanu . Kodwa-ke, uma umnikazi edinga ukufinyelela enhlokodolobha etshaliwe nganoma yisiphi isizathu, angenza ukukhishwa kwemali okugcwele noma okuyingxenye ngemva kwezinyanga eziyisithupha kusukela ngosuku lokuvula i-akhawunti.
Futhi kunesiqinisekiso sokuthi uzolulama njalo, okungenani, i-100% yenani elinikelwe kutshalo-mali olwenziwe, elengeza ukuhlanganiswa kokuphepha ekusebenzeni kwakho. Yenziwe njengenye yezindlela ezicace bha zotshalo-mali lwendabuko kumadiphozithi esikhathi esinqunyiwe, noma ngabe ngaphansi kwezimo zenkontileka ezihluke kakhulu. Ukuba ngomunye wemikhiqizo engaziwa kakhulu ngabasebenzisi be-stock market okwamanje. Ngenzuzo yokuthi, njengeminye imikhiqizo yezezimali, ayikhangi kakhulu ezithakazelweni zabantu ngabanye. Ngalo mqondo, akukwazi ukukhohlwa ukuthi intengo yemali njengamanje iku-0%, kumazinga aphansi omlando.