Ukutyala imali ngo-2013

Ukuza kuthi ga ngoku, kukho ezininzi iinketho ezahlukeneyo mali imali. Bonke zahluke ngokubhekiselele utyalo-mali, yengeniso neengozi kunokwenzeka. Umntu ngamnye ngokwakhe ikhetha iinketho ezininzi kunokwenzeka. Ngelishwa, kumaxesha kutshanje ngenxa yezimo zemali yezoqoqosho kwilizwe lethu, abantu abaninzi baqale ukugcina imali phantsi komqamelo, ngaleyo ndlela alahlekelwe inxalenye yazo ethile ngenxa tempav high kwamaxabiso.

Ukuze uphephe oku, kufuneka ukutyala imali olungenza ksebenze oko, yazisa ingeniso ethile. Kule nkalo, makhe sihlolisise ezinye iindlela zotyalo enesakhono namhlanje:

Ukutyala imali ngegolide. Ngokuba lo hlobo lotyalo-mali, kukho iindlela ezininzi: ukuthengwa bullions zegolide, uthenge iingqekembe zegolide, kuvulwe akhawunti metal ezingabiwanga. Ngokumalunga nokufunyanwa bullion, kuba kubiza kakhulu, ngoko omnye bar ntathu zinokubiza kwi 700.000 engange. Emva ekufunyanweni ingot kunye ibonisa uthotho kwayo, Zonke-Union kunye neesampuli kufuneka ucinge yokugcina. Gcina ixabiso elingcono esefini kwibhokisi idipozithi. Ngenxa yoko, nathi, kuya kufuneka ukuba uhlawule malunga 0,01% yexabiso etshe ngenyanga nganye. Ukutyala iingqekembe zegolide ziye ekhoyo ngakumbi, ixabiso loo ngqekembe zaklydyvaetsya iindleko izithombe, leyo phakathi kwe-3 no-5%. Gcina le ngqekembe ingcono kwi bhokisi idipozithi kunye vkoem kwakhona ukuba abathanga konakalisa ugcine ukubonakala kwazo efanayo. Ukutyala igolide bebusoloko, kwaye uya kuba ukhetho ethandwa kakhulu yokuzalisa imali, njengoko abatyali-mali abaninzi bakhetha imali isixhobo zezimali ngexesha-avavanywa. Kwi sexesha elide, utyalo segolide yaba inzuzo kakhulu kwaye avareji isivuno ngonyaka olu ibe malunga nama-20% ngonyaka.

Ukutyala imali mali mutual Iimali Bonds khetho inokuthenjwa, njengoko neebhondi kufuneka umngcipheko ngaphantsi kakhulu ezitokisini. PIF na uhlobo olulodwa lokuzalisa imali apho kwinkampani yolawulo lilawule ekulungele ibunjiwe portfolio izibambiso. Izinto eziluncedo yolu hlobo lotyalo-mali kukuba akukho mfuneko ukuba kubekwe esweni imeko lemarike nokuhlalutya imarike. Ngokuba konke kwenziwa ziingcali entsimini zabo. Ukuze utyalo-mali ezifanayo maxa wambi kakhulu amawaka ambalwa. Ukutyala imali ngokwaneleyo ukuba ibe yinkampani yolawulo oluthembekileyo kwaye ivule akhawunti nabo. avareji isivuno ngonyaka uncamathelo kunga ziyahluka ukusuka-10 ukuya kweli-14%, nto leyo lidlula ipesenti iidiphozithi yebhanki.

Ukutyala imali ebhankini imali ukugcinwa eyinkunzi inokuthenjwa ngendeb 'nxamnye kwamaxabiso. Ucwaningo, malunga-50% labemi bethu ukugcina imali yabo efakwa. I-avareji yonyaka wenzala zisenokwahluka kwaye zisukela ku-5 ukuya kwi-11% ngonyaka. Ukuze ube nokutyala imali yabo ifakwe kwibhanki kwanele ukugqiba isivumelwano kunye kwibhanki vkalda yebhanki apho bonke kuchazwe ngokucacileyo. Ukuze ukhethe imfuneko lebhanki ukwazi iireyithingi ukuthembeka ufunde ingcaciso kwi-Internet. Akukho mfuneko ukunika imali zabo kwiibhanki zicamango kunye negama elibi.

Yeyiphi mali ukhetho ukukhetha phezulu kuwe.