Ndi Filip Cholengeza munkhani: XTB, fintech yapadziko lonse lapansi yomwe imapereka nsanja yogulitsira pa intaneti ndi pulogalamu yam'manja, imagwiritsa ntchito ukadaulo wa eni ake kuti apangitse kuyika ndalama kwanthawi yayitali kukhala kosavuta komanso kosavuta. Kampaniyo yangowonjezera malonda ake ozikidwa pa ETF ndi chinthu chatsopano chomwe chimalola osunga ndalama kuti aziwonjezera Mapulani awo Ogulitsa. Ndalama zowonjezera zimayikidwa zokha malinga ndi gawo lokonda lomwe kasitomala amasankha.
Pambuyo pa kukhazikitsidwa kwaposachedwa kwa chiwongola dzanja pa ma depositi omwe sanayikidwe, XTB ikupitiliza kukulitsa zinthu zopanda ndalama. Mapulani opangira ndalama a ETF ali ndi chinthu chatsopano chomwe chimalola osunga ndalama kuti asankhe kangati komanso kuchuluka kwa ndalama zomwe akufuna kuyikapo.
Zolipirira mobwerezabwereza zapezeka mu pulogalamu ya XTB, ndipo makasitomala aku Czech Republic tsopano atha kubwezanso ma portfolio awo pafupipafupi pokhazikitsa njira yomwe amakonda (tsiku ndi tsiku, mlungu uliwonse, mwezi uliwonse) ndi njira yolipira (khadi la ngongole, kusamutsa kubanki kapena ndalama zaulere kuchokera ku Akaunti ya XTB). Ndalama zowonjezera zimayikidwa zokha kuti ziwonetsere gawo lomwe mukufuna mu ETF imodzi. Kupititsa patsogolo uku kumapangitsa kuti kusungitsa ndalama kwanthawi yayitali kusakhale kovuta polola osunga ndalama kuti azisungitsa ndikuyika ndalama zawo zokha.
"Tikuyang'ana kwambiri pakukweza ndalama zomwe zimaperekedwa kwa makasitomala athu padziko lonse lapansi. Mogwirizana ndi njira ya "pulogalamu imodzi - zosankha zambiri", tikukulitsa ndalama zomwe timapereka kuti tikwaniritse zosowa za osunga ndalama anthawi yayitali omwe safuna kuthera nthawi yochuluka kuyang'anira mbiri yawo. Powonjezera malipiro obwerezabwereza komanso ntchito ya autoinvest, takhala tikuyika ndalama mopanda malire chifukwa tsopano ndi makina komanso osavuta kwa makasitomala athu " atero a David Šnajdr, mkulu wa chigawo cha XTB.
Mkati mwa mapulani azachuma, makasitomala atha kupanga mpaka ma portfolio 10, aliwonse omwe angakhale ndi ma ETF asanu ndi anayi. Ntchito yoyika ndalama zodziwikiratu iyenera kukhazikitsidwa pagawo lililonse padera. Itha kuthetsedwa kapena kusinthidwa nthawi iliyonse mu pulogalamu ya XTB. Mogwirizana ndi zopereka zonse za XTB, pali chindapusa cha 0% mukagulitsa ma ETF, ndipo kukhazikitsa ndi kuyang'anira Investment Plans ndi kwaulere. Izi zikutanthauza kuti ndalamazo zimakula popanda ndalama zosafunikira.
Kuchita kwa Investment Plans pamsika waku Czech
Mapulani oyika ndalama adakhazikitsidwa kwa makasitomala a XTB ku Czech Republic mu kugwa. Kuti athandizire kukula kwake m'misika yayikulu yaku Europe, XTB yakhazikitsa yatsopano kampeni yotsatsa ma multichannel. Malowa amatengera owonera ku chilengedwe cha XTB, komwe kazembe wamtundu wapadziko lonse Iker Casillas akuyimira kufunikira kopanga ndalama mosasamala.
"Ndife okhutitsidwa ndi zotsatira za Investment Plans pamsika waku Czech. Zogulitsazo zimalandiridwa bwino kwambiri ndi makasitomala athu ndipo timawona kukula kosalekeza pokhudzana ndi chiwerengero cha makasitomala komanso ndalama zomwe zimayikidwa muzolemba zawo za nthawi yaitali. Chifukwa chakutenga nawo gawo mpaka pano, takhala msika wachiwiri waukulu kwambiri wa XTB potengera kuchuluka kwamakasitomala” akutero Vladimír Holovka, director director a XTB.
Mu 2023, osunga ndalama ku Czech Republic makamaka adasankha ma ETF (kutengera S&P 500, MSCI World ndi NASDAQ 100 indices), kutsatiridwa ndi ma ETF omwe akuyimira magwiridwe antchito amakampani omwe ali ndi mavoti apamwamba a chilengedwe, chikhalidwe ndi utsogoleri (ESG). TOP 5 idaphatikizanso ma ETF okhala ndi makampani akuluakulu aukadaulo.
Poganizira kuti Mapulani a Investment tsopano akupezeka pazida zam'manja, panalinso kuwonjezeka kwa kugawa kwa mafoni a m'manja pakati pa osunga ndalama aku Czech mpaka 60%.
