Ndi Filip Cholengeza munkhani: Kukwera kwamitengo ya ogula ndi mdani wa ndalama, zomwe zimachititsa kuti ziwonongeke. Chaka chatha, chifukwa cha kukwera kwa mitengo yamagetsi ndi nkhondo ku Ukraine, tinayang'anizana ndi kukwera kwachiwiri kwapamwamba kwambiri kuyambira pamene dziko la Czech Republic linakhazikitsidwa, pamene chizindikiro ichi chinakwera kufika 15,1%. Ngakhale kuti inflation ikuyembekezeka kuchepa chaka chino, ziwerengero zikadali pafupifupi 10%. Malinga ndi Czech National Bank, sitiyenera kubwerera ku inflation ya nambala imodzi mpaka 2024. Ndiye muyenera kuchita chiyani ngati mwalandira mabonasi kuntchito ndipo mukufuna kusunga mtengo wake kapena, mwachidwi, muwonjezere pang'onopang'ono? Ndalama zoganizira komanso zanthawi yayitali zitha kukhala yankho.
Kafukufuku waposachedwa ndi Capital Markets Association of the Czech Republic (AKAT) adawonetsa kuti anthu athu agawidwa m'magulu atatu molingana ndi momwe timayendera ndalama. Ndife Savers, Savers kapena Investors. M’kagulu ka Šetřílk, anthu savutikira kuikapo ndalama, ndipo samasunga ndalama zimene amasiya mwezi uliwonse m’akaunti iliyonse yosungiramo ndalama, kapena saikapo ndalamazo. Amangowagwiritsa ntchito pochita ntchito zapakhomo komanso zosangalatsa. Komano, opulumutsa ndi mafani aakaunti osungira ndi ma depositi, pomwe theka la iwo amaika kuposa CZK 3 pamwezi. Ndiyeno pali Investors. Mosiyana ndi magulu awiri am'mbuyomu, nthawi zambiri samawononga ndalama zawo kapena kuzisiya muakaunti, koma amagwiritsa ntchito zida zogulira ndalama monga ndalama zogawana ndi magawo, kapena ali ndi chidwi ndi ndalama zamtunduwu ndipo ali okonzeka kuyesa.
Monga tikuwonera pachithunzi pamwambapa, kuyika ndalama moyenera komanso kwanthawi yayitali kumakhala komveka kwa aliyense. Kuchepetsa kapena kuchedwetsa kagwiritsidwe ntchito kamakono kumakupatsani mwayi wopeza ndalama zomwe mungathe kuziyika ndikuwonetsetsa kuti mtengo wake ukuwonjezeka pang'onopang'ono.
Mtundu wa ndalama zomwe zili zoyenera kwa inu zimadalira mkhalidwe wanu. Ngati simukufuna kutchova njuga mosayenera, ndizomveka kuyika ndalama zanu kwa nthawi yayitali - ndikukhala bwino. "Mukatero, mudzakhala ndi nthawi yochuluka yoyamikira kwenikweni, kupeza ndalama pang'onopang'ono ndi kubwezera chifukwa cha kusinthasintha kapena kutsika m'misika yamasheya. Ichi ndichifukwa chake ndikupangira kuti ndiyambe kuyika ndalama ndili wamng'ono," akutero Markéta Jelínková, woyang'anira mbiri ya kampani yazamalonda ya Amundi. "Kwa oyamba kumene ndi achinyamata, ndalama zogwirizana ndiye chisankho chabwino kwambiri. Ndikokwanira kuyamba kuyika ndalama ngakhale pang'ono, koma pafupipafupi," akuwonjezera. Sizovomerezeka kwa oyamba kumene kuti agwiritse ntchito ndalama zina, chifukwa popanda kudziwa bwino momwe misika yamalonda imagwirira ntchito, pali chiopsezo chachikulu chotaya ndalama zanu. Ndi ndalama zothandizirana, simuyenera kudandaula za magawo kapena zotetezedwa, thumba limayang'aniridwa ndi woyang'anira wake, yemwe ndi katswiri wodziwa zambiri ndipo motero amatsimikizira kuyamikira kwa ndalama zanu.
Kodi ndalamazo ndimafunikira chiyani?
Musanayambe ndalama, ndithudi ndi bwino kudzifunsa mafunso angapo. Kodi zolinga zanu zandalama ndi zotani? Kodi muli ndi chinthu chomwe mukufuna kugula, mukufuna kudziteteza ku ukalamba wanu kapena kupanga chilungamo? Chofunikira ndikuwunikira nthawi yomwe mwagulitsa ndalama zanu, mwachitsanzo, nthawi yayitali bwanji yomwe mukukonzekera kuika ndalamazo pambali kuti mugulitse ndalamazo osati kuzichotsa pazosowa zina. Nthawi imakusewerani ndipo ndalama zikatenga nthawi yayitali, zimapindula kwambiri.
Ngati simukudziwa kuti izi zingatanthauze chiyani kwa inu, akatswiri pamabanki kapena makampani apadera azachuma angakuthandizeni ndi zosadziwika. Adzakuthandizaninso kudziwa kuti ndinu Investor wamtundu wanji. Ena amakonda chitetezo, pomwe ena, m'malo mwake, amangofuna kupeza phindu lalikulu kwambiri.
Kuti ndalama zanu zikhale zotetezeka momwe mungathere, kuphatikiza ndalama zotetezeka komanso zopindulitsa zimalimbikitsidwa. Kuphatikiza pa ndalama zomwe zatchulidwa kale, pali njira zina zopezera ndalama, monga ma akaunti osungira ndalama, omwe panopa amapereka chitetezo china cha ndalama zanu chifukwa cha chiwongoladzanja chachikulu kapena, mwachitsanzo, inshuwalansi ya penshoni. Ndalama zogulira malo, zitsulo zamtengo wapatali kapena zaluso sizoyenera kwa oyamba kumene, onse amafunikira ndalama zambiri zoyambira komanso nthawi zambiri amakumana ndi kusinthasintha kwakukulu kwamitengo.
Akatswiri ochokera ku Amundi amalimbikitsa kuti nthawi zonse muzisunga ndalama zomwe mwawononga mosayembekezereka muakaunti yanu yamakono, nthawi zambiri ndalama zokwana ziwiri kapena zitatu zimalimbikitsidwa ndikusiyanitsa ndalama zanu momwe mungathere, mwachitsanzo, kuzifalitsa pakati pa zida zingapo ndikudziteteza ku zomwe zingatheke. kusinthasintha. Zoyenera kuchita ndi ndalama zomwe mwatsala nazo kapena zosungira zomwe zili muakaunti yanu yamakono kapena ngakhale pansi pa matiresi anu kunyumba, mudzalangizidwa ndi alangizi azachuma, omwe mungapeze ku banki yanu kapena m'makampani apadera. Komabe, kugulitsa mwanzeru komanso kwanthawi yayitali ndi njira yosungira ndikuwonjezera pang'onopang'ono mtengo wa ndalama zanu.
Wojambula: Lukáš Fibrich
