Umlayezo wezentengiso: Ubuchwepheshe besimanje nezindlela ezihlukile ziye zaphazamisa amasiko amaningi emhlabeni wezezimali. Enye indlela enjalo yokutshala imali, ngokwesibonelo, imali mboleko ye-P2P, eyenza kube nokwenzeka ukudlula izikhungo zakudala nezimangalo zazo kanye nezimali ezikhokhwayo.
Isibonelo seplatifomu ye-P2P isibonelo I-Czech Bondster, esebenza njengemakethe kanye nomxhumanisi phakathi kwababolekisi nabatshalizimali. Lapha ungatshala imali yakho yamahhala emalini ebolekiwe ngokuya ngemibandela yakho, isb. isivuno esikhulu, uhlobo lwemali mboleko, njll.
Isici esihlukile se-Bondster isifiso sokwenza kangcono ukuthola izikweletu, afuna ukuheha abatshalizimali abaqaphile. I-Bondster ikufeza kanjani lokhu:
- Ingxenye yemali mboleko ivikelwe ngezindlu ezithengiswayo noma ezinye izimpahla
- Ihlinzeka ngengxenye yemalimboleko buyback uma kwenzeka iphutha
Ngemuva kokufanisa utshalomali lwakho nemalimboleko ethile, u-opharetha wesikhulumi unakekela yonke into. Uthola izitolimende ezinenzalo ngokuqondile kwa-Bondster. Iziqinisekiso nezinqubomgomo zomshwalense ziyipharamitha eyamukelekayo phakathi kwabatshalizimali, njengoba iphesenti elithile lababoleki abangakhokhi liyinto engokoqobo evamile kule ngxenye.
Ngakolunye uhlangothi, izinto ezithakazelisayo zingafinyelelwa ngokuboleka imali ifinyelela ku-15% ngonyaka.
Iphothifoliyo eyenziwe ngokwezifiso kanye nokuphathwa kwempahla okuphrofeshinali
Ingabe ukhangwa kakhulu ekutshaleni imali ngokwesiko kuzibambiso? Ngezindleko ezincane, ungaba nalokho okubizwa ngokuthi iphothifoliyo eyenziwe ngezifiso idalwe futhi ilawulwe.
Unalokhu ku-repertoire yakhe Isevisi yasechwebeni, enikeza ukutshalwa kwezimali kwesikhathi eside kusetshenziswa amasheya nama-ETF. Ukhetha ukwakheka kwephothifoliyo kanye nesu ngokwakho ngokusekelwe kokuthandayo. I-Portu ibe isibhekelela konke ukuphatha kwayo.
Inani elikhulu elingeziwe labatshalizimali bezitolo ukuhlukahluka okubanzi. Ngemali encane, kunzima ukuthenga amasheya emhlabeni wonke.
I-Portu isebenzisa umqondo walokho okubizwa ngokuthi amasheya angama-fractional. Ngenxa yabo, izimpahla emhlabeni wonke zingathengwa ngenani elincane lezindleko.
Ungatshala imali ngendlela enengqondo nge-Portu kusukela ku-CZK 1000 LAPHA
Izinzuzo eziyinhloko:
- I-Portu iyasetha futhi iphathe isu lokutshala imali ngokuya ngokuthanda kwakho
- Iphothifoliyo ehlukahlukene ngisho nemali encane
Lezi zinkundla zilungele kakhulu abaqalayo noma abatshalizimali abangenzi lutho abazimisele ukukhokhela ochwepheshe bokuphatha iphothifoliyo. Izinzuzo ze-Port zinqoba ngisho nalapho utshala imali encane ngempela. Ungaqala ngenkulungwane nje futhi kancane kancane wandise inhlokodolobha ngamanani amancane.
Ukuqamba okusha kwezobuchwepheshe akukwazi njalo ukuqinisekisa imbuyiselo engcono. Kodwa banganikeza ukufinyelela okulinganayo kumasegimenti ngaphambilini okwakungezabantu abaphathwayo kuphela. Isibonelo yimalimboleko eqondile ye-P2P, evula amathuba abanzi kubatshalizimali abanesibindi ngaphandle kwelungelo lezigidi zemali kanye nesizinda.
Ngakolunye uhlangothi, amaphothifoliyo enziwe ngendlela efanele avala igebe phakathi kokonga ebhange namasheya. Ngale ndlela, ngisho nabantu abangenazo izimali eziningi zamahhala noma abangenakho ukuzethemba ekwahluleleni kwabo kokutshalwa kwezimali bangangena ekutshalweni kwezimali kwesikhathi eside ezibambiso.
Ukutshala imali ePorto akuyona ingozi. Ukubuyiselwa okungokomlando akusona isiqinisekiso sembuyiselo yesikhathi esizayo.
Ingxoxo yesihloko
Ingxoxo ayivulwanga lesi sihloko.