Momwe mungakhalire ndi ndalama zowonjezera za CZK 1 pamphindi yanthawi yanu pamwezi? Pali njira zotsimikiziridwa

Uthenga wamalonda: Kuyika ndalama kwachita bwino kwambiri m'zaka zaposachedwa. Ndalama zogulira, nyumba zamabrokerage ndi nsanja zogulira zidawonetsa kuwonjezeka kwambiri pafupifupi zizindikiro zonse. Koma tsopano pakudza kuyeretsa. Ndalama zambiri zotentha zabwera ndi kutuluka pamsika m'miyezi yapitayi yovuta, ndipo nthawi zambiri zimatayika kwambiri. Ndiye pali osunga ndalama anthawi yayitali omwe ali ndi zaka zingapo ndipo ngati adalowa mumsika posachedwa, mwina amakumananso ndi kutayika kosalekeza. M'mawu otsatirawa, tiwona momwe mungachepetsere kutaya kwanu kosalekeza mpaka 20%, kapena kuwonjezera phindu lomwe mungakhale nalo mpaka 20%.

Zofunikirabe ndalama zambiri zimaperekedwa kudzera mu ndalama zachikhalidwe. Mfundo zotsatirazi ndizodziwika bwino zandalama zachikhalidwe izi:

• Kuwongolera ndalama kumayendetsedwa ndi akatswiri oyang'anira mbiri (kapena gulu), wogulitsa ndalama sayenera kukhala achangu mwanjira iliyonse.
• Oyang'anira ndalama nthawi zambiri amakhala osamala, ndipo makamaka safuna kutaya kwambiri kuposa kuchuluka kwa msika.
• Malinga ndi ziwerengero zonse zomwe zilipo ndalama zambiri zomwe zimayendetsedwa mwachangu sizikwaniritsa zokolola zambiri, kuposa avareji ya msika.
• Za izi kasamalidwe ka ndalama nthawi zambiri amalipidwa pakati pa 1% mpaka 2,5%, pafupifupi 1,5% kuchokera ku likulu pachaka, kuphatikiza zaka zotayika, mwachitsanzo, kutayika kwa msika kumakulirakulira.

Tiyeni tikambirane mfundo yomaliza, yomwe imatanthauzira mtengo wa ndalamazo. Ngati m'kupita kwa nthawi ndalama zambiri zobwereranso zimakhala pakati pa 6 mpaka 9% ndipo mtengo wanu wogulitsa umachepetsedwa ndi 1,5% chaka chilichonse, ndiye kuti tebulo ili m'munsili likuwonetsa kuti m'kupita kwanthawi izi ndizosiyana kwambiri.

Gwero: kuwerengera kwanu

Zotsatira za chiwongoladzanja chamagulu, zomwe zimabwezeretsanso phindu lomwe lapindula, zikutanthauza kuti kuwonjezeka kulikonse kwa ndalama kumatchulidwa kwambiri pamtengo womaliza wa ndalamazo. Scenario A imayerekezera kubweza kwapakati pazaka 20 popanda chindapusa chilichonse. Scenario B, kumbali ina, imayerekezera kubwerera ndi chindapusa cha 1,5%. Apa tikuwona kusiyana kwa zochitika zakale za 280 pazaka 000. Pakadali pano, ndiyeneranso kukumbutsanso kuti ndalama zambiri zomwe zimayendetsedwa mwachangu sizipeza phindu lalikulu kuposa kuchuluka kwa msika (nthawi zambiri zimapeza phindu locheperako). Pomaliza, zochitika C zikuwonetsa thumba lotsika mtengo lomwe limakhala ndi chindapusa cha 20% pachaka, zomwe zimatsata bwino kwambiri chitukuko cha msika woyimiridwa ndi index ya masheya. Ndalama zotsika mtengozi zimatchedwa ETFs - Exchange Traded Funds.

pa Ndalama za ETF imadziwika ndi:

• Sakuyendetsedwa mwachangu, monga lamulo amakopera stock index yomwe yapatsidwa, kapena gulu lina lodziwika la zotetezedwa.
• Ndalama zoyendetsera ndalama zotsika kwambiri - nthawi zambiri mpaka 0,2%, koma ena ngakhale 0,07%.
• Kuwunikanso mtengo wa ndalamazo (ndiponso ndalama zanu) zimachitika nthawi iliyonse pamene ETF ikugulitsidwa pamsika.
• Zimafunika kutsata njira ndi Investor

Ndipo apa tikuyimanso pa mfundo yomaliza. Mosiyana ndi ndalama zamakono kapena ndalama zogwirizanitsa , kumene simukuyenera kudandaula za ndalama zanu, pa nkhani ya ETFs, muyenera kudzidziwa bwino ndi zofunikira za momwe ETFs imagwirira ntchito. Nthawi yomweyo, ngati mukufuna kuyika ndalama pafupipafupi ndi ma depositi pamwezi kapena kotala, muyenera kugula mwachangu ETF yomwe mwapatsidwa. Mu ntchito zamakono ndalama za mtundu xStation kapena xStation yam'manja ndondomeko yonse imatenga mphindi zochepa kwambiri, koma kwa ogwiritsa ntchito aluso amatha kutenga masekondi angapo. Kenako wochita bizinesi aliyense ayenera kudziyankha yekha kuti akufuna kukwaniritsa mwambi wamba "palibe ufulu wosavutikira” ndipo motero ndi ndalama zingati zomwe ali wokonzeka kupereka ku thumba la ndalama zomwe angakwanitse kudzisamalira masiku ano. Monga taonera m'zitsanzo pamwambapa, iyi kusiyana pakati pa thumba lachikhalidwe ndi ETF kungakhale mazana masauzande a korona, ngati tikuyang'ana nthawi yayitali ya ndalama.

Kuwerengera komaliza kuganizira:

Gwero: kuwerengera kwanu

Gome ili pamwambapa likuwonetsa zomwe zingayembekezere m'zaka 20 ndalama zowonjezera ngati ma ETF otsika mtengo amafikanso pafupifupi 240 CZK.. Komabe, ndalama zowonjezerazi zimafunikira kugula mwachangu kwa ETF mu akaunti yanu yogulitsa mwezi uliwonse. Mzere womaliza wa tebulo ukuwonetsa kuchuluka kwa ndalama zomwe mungapeze mwezi uliwonse ngati mutagula ETF mwachangu ndikutsata momwe msika ukuyendera pafupipafupi mwezi uliwonse kwa zaka 20. Mwa kuyankhula kwina, ngati mutenga mphindi imodzi ya nthawi yanu mwezi uliwonse kuti mulowetse kugula kwa ETF mu nsanja yanu yosungiramo ndalama, m'kupita kwa nthawi mudzatero. 1 CZK yowonjezerapo pamphindi imodzi yanthawi yanu ndipo samalani mwezi uliwonse. Choncho, mu zaka 20, pafupifupi 240 CZK. Ngati, kumbali ina, mutumiza ndalama zanu kundalama zachikhalidwe, mumapereka phindu lowonjezerali kwa oyang'anira thumba ndipo mumadzisungira mphindi imodzi yantchito mwezi uliwonse.

• Zambiri za momwe ma ETF amagwirira ntchito Tsitsani kwaulere - Mtengo wotsika kwambiri wa magawo a XTB ETF