Ndi Filip Zambiri zidachitika m'gawo lazachuma m'mwezi wa Marichi. Tawona kugwa kwa mabanki akuluakulu, kusasunthika kwakukulu m'misika yazachuma, komanso chisokonezo pakati pa osunga ndalama am'deralo okhudzana ndi zopereka za ETF. Vladimír Holovka, wotsogolera zamalonda wa XTB, adayankha mitu yonseyi.
M'masiku aposachedwa pakhala pali nkhani zambiri zokhuza otsatsa omwe akupikisana nawo omwe amakoka ma ETF ambiri odziwika kuchokera pazopereka zawo, kodi izi zitha kukhala choncho kwa XTB?
Inde, tawonapo mutu wamakonowu. Kuchokera kumalingaliro athu, XTB ikupitilizabe kukwaniritsa zofunikira zonse zaku Europe kapena zapakhomo. XTB imapereka mitundu ya Czech kapena Slovak ya Key Information Documents, chidule cha KID, pazida zake zomwe zatulutsa. Pankhani ya zida za ETF, XTB imachita zomwe zimatchedwa kupha-okha ubale popanda kufunsana, mwachitsanzo, udindo wa ma KID akumaloko molingana ndi CNB sikugwira ntchito pamilanduyi. Chifukwa chake XTB imatha kuperekabe popanda vuto ETF kwa makasitomala athu omwe alipo ndi atsopano, kuwonjezera palibe ndalama zogulira mpaka € 100 pamwezi.
Panopa, nyumba zambiri zamabanki zili pampanipani ndipo ena akulimbana nazo mavuto okhazikika. Kodi pali chiopsezo cha chinthu chonga ichi ndi broker?
Nthawi zambiri ayi. Mfundo ndi bizinesi imeneyo chitsanzo cha banki ndi nyumba yobwereketsa ndizosiyana kwambiri. Otsatsa omwe ali ndi zilolezo kudera la Europe amakakamizika kulembetsa ndalama zamakasitomala ndi zida zogulira m'maakaunti osiyanasiyana, kupatula awo wamba, omwe amagwiritsidwa ntchito poyendetsa kampaniyo. Pano, mwa lingaliro langa, pali kusiyana kwakukulu kuchokera ku mabanki achikhalidwe, omwe ali ndi chirichonse mu mulu umodzi. Chifukwa chake ngati muli ndi broker wamkulu wokhala ndi miyambo yazaka zambiri, yomwe ili ndikutsatira malamulo a EU, ndiye kuti mutha kugona mwamtendere..
Kukachitika kuti kampani yobwereketsa yasokonekera, kodi makasitomalawo adzataya katundu wawo kapena zotetezedwa?
Monga ndanenera, nyumba zoyendetsedwa ndi ma brokerage zimalemba zinsinsi zamakasitomala ndi zinthu zosiyanasiyana mosiyana ndi ndalama zawo. Ndikutanthauza ngati panali ngozi, ndalama za kasitomala siziyenera kukhudzidwa. Choopsa chokha ndi chakuti kasitomala sangathe kutaya ndalama zawo mpaka trustee atasankhidwa kuti asankhe momwe angatayire katundu wa makasitomala. Makasitomala adzalandidwa ndi broker wina, kapena makasitomalawo amafunsa komwe akufuna kusamutsa katundu wawo.Kuphatikiza apo, broker aliyense amakakamizika kukhala membala wa thumba la chitsimikizo, lomwe limatha kubweza makasitomala owonongeka, nthawi zambiri mpaka pafupifupi EUR 20.
Ngati wina akufunafuna broker watsopano, ndi zinthu ziti zomwe ayenera kuyang'ana ndipo ayenera kuyang'ana chiyani?
Ndine wokondwa kuti pazaka 5 zapitazi, msika wamabizinesi walimidwa ndipo pali mabungwe ocheperako. Kumbali inayi, nthawi yovutayi ya kukwera kwa mitengo yamtengo wapatali komanso kuchepa kwa kukula kwachuma ndikukopa anthu omwe akufuna kukopa anthu osamala kwambiri ndikupereka kubweza kotsimikizika ndi chiopsezo chochepa. Ndicho chifukwa chake tiyenera kukhala osamala nthawi zonse. Chosefera chosavuta ndichakuti ngati broker yemwe wapatsidwayo ali pansi pa malamulo a EU kapena ayi. Malamulo omwe si a ku Ulaya angapangitse kuti zinthu zikhale zovuta kwambiri kwa wogulitsa ndalama ngati sakukhutira ndi ntchito iliyonse ya broker. Chinthu china ndi nthawi ya broker.Pali mabungwe omwe akufuna kuvulaza makasitomala awo, ndipo mbiri yawo ikangoipa, amatseka kampani yoyambirira ndikuyambitsa kampani yatsopano - yokhala ndi dzina losiyana, koma ndi anthu omwewo komanso machitidwe omwewo. Ndipo umu ndi momwe zimabwerezera. Izi nthawi zambiri sizigwira ntchito kwa ogulitsa mabizinesi, otchedwa ogulitsa mabizinesi, koma kwa oyimira pakati (oyimira ndalama kapena oyimira omangika). Ngati, kumbali ina, mutasankha ntchito za broker wokhazikika yemwe ali ndi zaka zambiri, mwina simudzalakwitsa.
Kodi zomwe zikuchitika pamisika yapadziko lonse lapansi zimakhudza bwanji zochita zanu komanso zomwe makasitomala a XTB amachita?
Pamene misika ili bata, ma broker nawonso amakhala odekha. Komabe, zomwezo sizinganenedwe za masabata angapo apitawo. Pali zochitika zambiri m'misika, ndipo mayendedwe a msika wapadziko lonse lapansi ndi wofunikira mbali zonse ziwiri. Chifukwa chake, timayesetsanso kukhala achangu ndikudziwitsa makasitomala athu pamlingo wowonjezereka komanso kuchuluka kwake, kuti athe kudziwongolera bwino m'malo osintha mwachangu. Zikadali zoona china chake chikachitika m'misika, chimakopa chidwi cha mitundu yonse ya amalonda ndi osunga ndalama. Mwayi wandalama wokhala ndi kuchotsera kosangalatsa umaperekedwa kwa osunga ndalama nthawi yayitali. M'malo mwake, kwa amalonda ogwira ntchito, kusasunthika kwakukulu kumalandiridwa nthawi zonse, monga mwayi wambiri waufupi ukuwonekera, potsata kukula kwa mtengo komanso kutsika kwa mtengo.Komabe, aliyense ayenera kusankha yekha ngati akufuna kupezerapo mwayi pazimenezi kapena kusapita kumsika. Inde, palibe chaulere ndipo chilichonse chimakhala ndi chiopsezo, mukudziwa aliyense Investor yogwira ayenera kudziwa ndi kutha kuwunika zoopsa zimenezi poyerekezera ndi mbiri yake ndalama.
Kodi mungapatse upangiri wanji kwa osunga ndalama omwe alipo komanso ochita malonda akanthawi munthawi imeneyi?
Gwiritsani ntchito mwayiwu koma khalani chete. Ndikudziwa kuti zingawoneke ngati zachidule, koma nthawi sizimayenda mofanana m'misika yazachuma. Nthawi zina zochitika zambiri ndi mwayi zimachitika m'masabata angapo monga nthawi zina zimatenga zaka. Ndikutanthauza m'pofunika kukhala otanganidwa kwambiri mu nthawi zino, kuchita homuweki mu mawonekedwe a kuphunzira ndi kusanthula, chifukwa ngati mumadziwa bwino nthawi pamene misika misala, mukhoza kupeza zabwino kwambiri mutu poyambira wanu. zotsatira za malonda ndi ndalama.Komabe, ngati simukuchita mwanzeru komanso ndi mutu woziziritsa, ndiye kuti m'malo mwake mutha kupeza khutu labwino kuchokera kumisika.. Kapena, monga ndanenera, mukhoza kukhala kunja kwa msika, koma simungathe kudziimba mlandu chifukwa chosagula pamene zinali zoonekeratu.
Kodi XTB ikukonzekera chilichonse chosangalatsa posachedwapa?
Mwangozi tikukonzekera chaka chamawa Loweruka 25 Marichi Msonkhano wamalonda pa intaneti. Poganizira zomwe zikuchitika m'misika, tili ndi nthawi yabwino, popeza tidakwanitsanso kuitana amalonda angapo odziwa zambiri komanso akatswiri omwe angathandize owonera onse kuti akwaniritse zomwe zikuchitika. Kufikira pamsonkhano wapaintanetiwu ndikwaulere, ndipo aliyense amalandila ulalo wowulutsa pambuyo polembetsa kwakanthawi. Ndikofunikira kuti nthawi zonse mukhale ndikusintha njira zanu ndi njira zanu kuti zigwirizane ndi msika wamakono.
Kodi msonkhano wamalonda ukutanthauza kuti ndi wa amalonda akanthawi kochepa chabe, kapena mungalimbikitse kutenga nawo gawo kwa osunga ndalama kwakanthawi?
Ndizowona kuti mfundo zambiri ndi njira zake zidzalunjika kwambiri kwa amalonda anthawi yochepa. Kumbali ina, mwachitsanzo kusanthula mwatsatanetsatane za chilengedwe chachikulu ndi zina zomwe zimakhudza chitukuko cha miyezi ikubwerayi zidzayamikiridwanso ndi osunga ndalama kwa nthawi yaitali. Mwachitsanzo, katswiri wa XTB Štěpán Hájek kapena woyang'anira malonda achinsinsi David Monoszon adzapereka chidziwitso chawo. Sindikuyembekezera zotsatira zawo, chifukwa atha kuyika chitukuko chachuma, udindo wa mabanki apakati komanso, potsiriza, zochitika za osewera pamsika payekhapayekha.
Vladimir Holovka
Anamaliza maphunziro ake ku yunivesite ya Economics ku Prague, makamaka pazachuma. Analowa nawo kampani ya XTB yobwereketsa ku 2010, kuyambira 2013 wakhala mkulu wa dipatimenti yogulitsa ku Czech Republic, Slovakia ndi Hungary. Mwaukadaulo, amagwira ntchito pakuwunika zaukadaulo, kupanga njira zamabizinesi, ndondomeko yandalama komanso momwe misika yazachuma imagwirira ntchito. Amaona kuwongolera kwachiwopsezo kosasinthika, kasamalidwe koyenera ka ndalama ndi kulanga kukhala zinthu zomwe zimayenera kuchita bwino kwanthawi yayitali.
Ndimaona kuti nkhaniyi ndi yosocheretsa.