Momwe mungasungire ndalama pamsika wamasheya ndi PEA

Kuyika ndalama pamsika wamasheya ndi PEA ndi otchuka kwambiri ndi opulumutsa. Chifukwa cha misonkho yopindulitsa pa phindu lalikulu ndi zopindula zomwe zalandilidwa, zimakulitsa magwiridwe antchito ndikuchepetsa misonkho. PEA imaperekanso mwayi wosinthira ndalama zomwe munthu amasunga pakati pa magalimoto ambiri monga magawo, ma ETF, ndalama, zikalata, ndi zina.

Koma kuti mugwiritse ntchito bwino PEA yake, m'pofunikabe kumvetsetsa momwe zimagwirira ntchito ndikukhazikitsa njira yoyenera yopangira ndalama.

• ✔️Ndi chithandizo chanji choyenera?
• 👉 Momwe mungatengere mwayi pamtundu uliwonse wazinthu?
• ✔️ Ndi gawo liti lomwe mungatenge pakati pa magawo amoyo, ma ETF ndi ndalama?

Mafunso ambiri omwe tiyankha m'nkhaniyi kuti akuthandizeni kukulitsa PEA yanu. Chifukwa cha upangiri wofunikirawu, mudziwa momwe mungapangire mbiri yabwino komanso yolimba ya PEA, yomwe ingathe kulimbikitsa kubweza kwa msika wanu pakapita nthawi ndikuwongolera zoopsa.

Konzekerani kuti kukhala ace ya PEA management! 📈 Koma tisanayambe, nayi Kodi mungachotse bwanji ngongole?

Tiyeni tizipita !!

🌿Kodi PEA ndi chiyani?

PEA (The Savings Plan in Actions) ndi ndondomeko yosungira masheya yomwe imapangidwira osunga ndalama. 💰 Zimakupatsani mwayi woyika ndalama m'magawo amakampani aku Europe, komanso magawo ena a UCITS (Collective Investment Organisations in Transferable Securities) monga SICAVs (Variable Capital Investment Companies) ndi FCPs (Common Funds of Placement).

Nazi zina zofunika kuzidziwa za PEA:

Ubwino pazachuma : Kupindula kwakukulu komwe kumapangidwa pazitetezo zosungidwa ku PEA sikuchotsedwa ku msonkho wa ndalama, pokhapokha atalemekeza nthawi yocheperako ya zaka 5. Kuphatikiza apo, zopindula zomwe zimalandilidwa zimakhala ndi msonkho umodzi wokhazikika (PFU) wa 30%, kuphatikiza msonkho wa ndalama ndi zopereka zachitetezo cha anthu.

Malipiro amalipiro : PEA ikuyenera kulipira. Pakadali pano, denga lakhazikitsidwa pa ma euro 150 kwa PEA payekha komanso ma euro 000 pa PEA yolumikizana. Ndikofunika kuzindikira kuti malipiro operekedwa ku PEA sangathe kubwezeredwa pamene denga lafika.

Nthawi yochepa yotsekeredwa: Kuti mupindule ndi kukhululukidwa kwa msonkho wa likulu, ndikofunikira kusunga zotetezedwa ku PEA kwa zaka zosachepera 5. Ngati mutachotsa ndalama nthawiyi isanakwane, mudzapatsidwa msonkho pa zomwe mwapeza.

Kusintha kwa PEA: Ndizotheka kusamutsa PEA yanu kuchokera ku banki imodzi kupita ku ina, ndikusunga misonkho yanu. Komabe, ndikofunika kulemekeza malamulo ena ndikuyang'anitsitsa ndalama zomwe zingatheke zogwirizana ndi kusamutsidwa kumeneku.

Kugwiritsa ntchito ndalama: Ndalama zomwe zilipo mu PEA zitha kugwiritsidwa ntchito kupanga ndalama zatsopano kapena kuchotsera pang'ono. Komabe, ndikofunikira kukumbukira kuti kuchotsedwa kulikonse komwe kumachitika nthawi yocheperako isanakwane kumapangitsa kuti PEA itsekedwe komanso kuti phindu lalikulu liperekedwe msonkho.

🌿 Ndani angatsegule PEA?

PEA ikhoza kutsegulidwa ndi aliyense munthu wamkulu chilengedwe. Ana amathanso kutsegula PEA, koma ndi mgwirizano wa woimira wawo mwalamulo. Ndikofunika kudziwa kuti munthu aliyense amatha kukhala ndi PEA imodzi, kaya payekha kapena ogwirizana. Kuphatikiza apo, sizingatheke kutsegula PEA m'dzina la kampani kapena bungwe lovomerezeka.

Kuti mutsegule PEA, ndikofunikira kupereka zikalata zina zothandizira, monga chikalata chovomerezeka komanso umboni waposachedwa wa adilesi. Ndizothekanso kuti banki kapena broker wapaintaneti afunse zambiri za woyimilirayo, monga momwe amagwirira ntchito komanso ndalama zomwe amapeza.

Pomaliza, ndikofunikira kuzindikira kuti PEA imayenera kulipidwa, yokhazikitsidwa 150 000 euros kwa PEA payekha ndi 300 mayuro pa PEA yolumikizana.

🌿Kodi mungatsegule bwanji PEA?

Kusintha kwa mtengo wa PEA ndi yachangu komanso yosavuta. ✅ Kuti mutsegule PEA, muyenera kusankha kaye bungwe lazachuma lomwe lili ndi chilolezo chopereka zosungirazi. Izi zitha kukhala banki yachikhalidwe kapena broker wapaintaneti.

Kenako, muyenera kulumikizana ndi bungweli ndikupereka zikalata zothandizira kuti mutsegule PEA, monga chikalata chovomerezeka komanso umboni waposachedwa wa adilesi.

Ndizothekanso kuti banki kapena broker wapaintaneti akufunseni zambiri zaukadaulo wanu komanso ndalama zomwe mumapeza. Zolemba zonse zothandizira zikaperekedwa, bungwe lazachuma lidzatsegula PEA.

🌿 Ndi ndalama ziti zomwe zingapangidwe mu PEA?

Mu PEA, ndizotheka kuyika ndalama m'magawo amakampani aku Europe omwe adalembedwa pamsika woyendetsedwa, komanso ma UCITS ena monga ma SICAV ndi ma FCP. Magawo oyenerera ku PEA ayenera kukwaniritsa njira zina, monga kuperekedwa ndi makampani omwe ali ndi ofesi yawo ku European Union kapena m'chigawo cha European Economic Area.

Kuphatikiza apo, magawowa ayenera kulembedwa pamsika woyendetsedwa, monga Euronext Paris kapena London Stock Exchange.

Ndikofunika kuzindikira kuti zinthu zina zachuma sizoyenera ku PEA, monga ziphaso, ziphaso ndi ma bond osinthidwa kukhala magawo. Kuphatikiza apo, ndizoletsedwa kugwiritsa ntchito ndalama zomwe zayikidwa mu PEA ngati chitsimikizo cha ngongole kapena kubweza ngongole.

🌿 Momwe mungasamalire PEA yanu pakapita nthawi?

Kuyika ndalama mumsika wogulitsa ndi PEA (Stock Savings Plan) kumafuna njira yoyendetsera bwino komanso kuyang'anira mwanzeru pakapita nthawi. Choyamba, ndikofunikira kufotokozera cholinga chodziwika bwino chazachuma, kaya kukula kwanthawi yayitali, kupeza ndalama kapena kuphatikiza ziwirizi. Cholinga ichi chikakhazikitsidwa, kusankha zochita zoyenera ku PEA kuyenera kuchitidwa mosamala.

La mbiri zosiyanasiyana ndi njira yovomerezeka yochepetsera chiopsezo. Pofalitsa mabizinesi m'magulu osiyanasiyana azinthu ndi magawo, kusinthasintha kwa msika sikungakhudze gawo lonse. Ine

Ndikofunikiranso kudziwa zomwe zikuchitika m'misika yazachuma, nkhani zachuma komanso momwe makampani omwe mwakhazikitsira.

La kuleza mtima ndi khalidwe labwino zikafika pakuwongolera PEA. Misika yamasheya ikhoza kukhala ndi kusinthasintha kwakanthawi kochepa, koma cholinga chake chiyenera kukhala pakuwona kwanthawi yayitali. Peŵani kugonja ku machitidwe opupuluma pamayendedwe osakhalitsa amsika.

Njira yoyendetsera bwino ndalama imaphatikizapo kutsatira zomwe mwakonza komanso kusintha malo potengera momwe chuma chikuyendera m'malo motengera momwe msika ukuyendera.

Periodic portfolio rebalancing ndi mchitidwe analimbikitsa. Izi zimaphatikizapo kukonzanso kuchuluka kwa zinthu zosiyanasiyana malinga ndi kusintha kwa mtengo wake. Izi zimathandizira kuti pakhale kusiyanasiyana ndikuwonetsetsa kuti mbiriyo ikugwirizana ndi zolinga zandalama zoyambirira.

Pomaliza, kukhazikika kwamabizinesi kumatha kukhala kopindulitsa. M'malo moyesa nthawi ya msika, ganizirani kuyika ndalama zokhazikika nthawi ndi nthawi, zomwe zimathandiza kuthetsa kusinthasintha kwa msika pakapita nthawi.

🌿 Ndi njira yanji yoyendetsera ndalama yomwe mungatengere mu PEA yanu?

Zosankha zingapo zilipo kwa inu kuti mupange ndalama mu PEA yanu. 📊 Nazi njira zina zodziwika bwino:

Zochitika zamoyo

Kuyika ndalama m'matangadza payekha kungapereke mwayi wokulirapo, koma kumakhalanso ndi chiopsezo chachikulu. Ndikofunikira kusanthula mozama pamakampani omwe asankhidwa.

La mbiri zosiyanasiyana Zochita zamunthu aliyense ndizofunikiranso kuti muchepetse zoopsa zamakampani.

Zotetezedwa zowopsa (zochepa zazing'ono, ma biotechs, etc.)

Zotetezedwa zowopsa, monga masheya ang'onoang'ono kapena makampani a biotechnology, zitha kubweza ndalama zambiri, koma zimakhalanso zosasinthika. Ayenera kuganiziridwa mosamala komanso mwina kuphatikizidwa mumitundu yosiyanasiyana kuti athetse ngozi.

Equity ndalama

Ndalama zoyendetsera ndalama, makamaka ndalama za equity, zimatha kusiyanasiyana nthawi yomweyo. UCITS (Undertakings for Collective Investment in Transferable Securities) amalola osunga ndalama kuti agawire kasamalidwe kwa akatswiri omwe amasankha masiketi osiyanasiyana.

Ndikofunikira kusankha ndalama potengera cholinga chandalama, ntchito zam'mbuyomu komanso zolipira.

ETFs (Ndalama Zogulitsa Kusinthanitsa)

Ma ETF nthawi zambiri amatsata kasamalidwe ka index ya masheya. Amapereka mitundu yosiyanasiyana nthawi yomweyo ndipo amagulitsidwa pamsika ngati masheya. ETFs ikhoza kukhala njira yotsika mtengo potsata misika kapena magawo ena popanda kusankha masheya.

Thematic investing

Otsatsa ena amasankha kuyang'ana pamitu yeniyeni monga mphamvu zongowonjezwdwa, ukadaulo, chisamaliro chaumoyo, ndi zina. Ndalama zamtengo wapatali kapena ma ETF am'mutu atha kugwiritsidwa ntchito kutengerapo mwayi pamisika iyi.

Kasamalidwe kokhazikika motsutsana ndi kasamalidwe kopanda pake

Kuwongolera mwachidwi kumaphatikizapo kusankha pamanja kwa masheya kapena ndalama ndi woyang'anira mbiri, pomwe kasamalidwe kopanda kanthu kumaphatikizapo kutsatira ndondomeko inayake. Otsatsa malonda angasankhe pakati pa njirazi potengera zomwe amakonda, zikhulupiriro za msika komanso momwe angagulitsire ndalama.

Kuwongolera zoopsa

Kaya njira yasankhidwa, ndi Kuwongolera zoopsa ndikofunikira. Izi zikuphatikizapo kukhazikitsa malire ovomerezeka otayika, kuyang'anira mbiri yake nthawi zonse, ndi kusintha momwe akumvera. Kusiyanasiyana, pamagulu azinthu ndi gawo, kumakhala ndi gawo lalikulu pakuwongolera zoopsa.

Ndikofunikira kudziwa kuti zosankha zandalama zimatengera zomwe munthu aliyense amakonda, cholinga chandalama komanso kulolerana ndi zoopsa. Kusiyanitsa mwanzeru ndi kuyang'anira nthawi zonse kumakhalabe mfundo zofunika kwambiri pa kayendetsedwe ka mbiri, mosasamala kanthu za mitundu ya katundu yomwe yasankhidwa mu ndondomeko ya PEA.

🌿 Ndi magawo ati omwe akuyenera kuyanjidwa mu PEA yanu?

Kusankha magawo omwe mungayang'ane nawo mu PEA zimatengera zinthu zingapo, kuphatikiza zolinga zanu zachuma, kulolerana kwanu pachiwopsezo komanso nthawi yanu. Nawa magawo ena omwe angaganizidwe, koma dziwani kuti kusiyanasiyana kumakhalabe chinsinsi chochepetsera ziwopsezo zamagulu ena:

Zamakono: Makampani aukadaulo atha kupereka mwayi wokulirapo. Komabe, makampaniwa nthawi zambiri amakhala osasinthika, ndipo ndikofunikira kuyang'anira momwe ukadaulo ukuwonekera komanso momwe makampani amagwirira ntchito.

Zaumoyo ndi Biotechnology: Ndi kuchuluka kwa anthu okalamba, gawo lazaumoyo ndi biotechnology litha kupereka mwayi wakukula. Komabe, ndikofunikira kumvetsetsa kayendedwe kazinthu zamankhwala ndi biotechnology, komanso malamulo amakampani.

Mphamvu zongowonjezedwanso: Ndalama zowonjezera mphamvu zowonjezera zimatchuka kwambiri chifukwa cha kusintha kwa mphamvu zowonjezera mphamvu. Makampani omwe amagwiritsa ntchito magetsi oyendera dzuwa, mphepo, ndi zina zopangira magetsi amatha kupindula ndi zomwe zikuchitika pakanthawi yayitali.

Kudya mwachisawawa: Gawoli limaphatikizapo katundu ndi ntchito zosafunikira, monga maulendo, zosangalatsa ndi mafashoni. Zitha kukhala zokhudzidwa ndi kusinthasintha kwachuma, koma kugwiritsa ntchito mwanzeru kungapindulenso ndi nthawi zakukula kwachuma.

Ndalama ndi mabanki: Gawo lazachuma, kuphatikiza mabanki, inshuwaransi ndi ntchito zandalama, zitha kutengera momwe chuma chikuyendera. Kugwira ntchito kungagwirizane kwambiri ndi chiwongoladzanja ndi ndondomeko zachuma.

🌿 Ndi zochita ziti zomwe ziyenera kuphatikizidwa mu PEA yanu?

Kusankha masheya omwe mungaphatikizepo mu PEA zimatengera zinthu zosiyanasiyana, kuphatikiza zolinga zanu zandalama, nthawi yotalikirapo, kulolerana ndi ziwopsezo komanso kusanthula msika wanu. Nazi malingaliro ena onse ndi zitsanzo zamakampani omwe mungaganizire.

French blue chips: Makampani akuluakulu aku France, omwe nthawi zambiri amatchedwa "tchipisi cha buluu", nthawi zambiri amaonedwa ngati ndalama zokhazikika chifukwa cha kukula kwake komanso msika wawo. Izi zitha kuphatikiza makampani a CAC 40 monga L'Oréal, TotalEnergies, Sanofi, ndi zina.

Zamakono: Makampani aukadaulo apadziko lonse lapansi atha kupereka mwayi wokulirapo. Mwachitsanzo, makampani ngati Dassault Systèmes, Capgemini kapena STMicroelectronics ndi osewera ofunikira pantchito yaukadaulo.

Zaumoyo ndi Biotechnology: Makampani azaumoyo atha kuphatikizidwa kuti asinthe mbiri yanu. Sanofi, EssilorLuxottica kapena Thales zitha kukhala zosankha zomwe mungaganizire.

Mphamvu zongowonjezedwanso: Ngati mukufuna mphamvu zowonjezereka, makampani monga TotalEnergies, Engie, kapena Orsted (ngati muvomereza masheya akunja) akhoza kuphatikizidwa mu mbiri yanu.

Katundu wa ogula : Makampani omwe amapereka zinthu zofunika kwambiri kwa ogula, monga L'Oréal, Danone, kapena LVMH, atha kuganiziridwa ngati kukhazikika komwe amabweretsa ku mbiri.

Makampani: Makampani opanga mafakitale monga Airbus, Safran kapena Vinci akhoza kuphatikizidwa kuti achite nawo ntchito za kukula kwachuma ndi zomangamanga.

Ndikofunikira kudziwa kuti kusiyanasiyana ndikofunikira kuti muchepetse zoopsa zamakampani kapena zamagulu.

🌿 Ndi ma ETF ati oti musankhe ngati gawo la PEA?

Kusankha kwa Exchange-Traded Funds (ETF) kwa Equity Savings Plan (PEA) kumadalira njira yanu yogulitsira, zolinga zanu zachuma komanso kulolerana kwanu pachiwopsezo. ETFs ndi ndalama zogulitsira malonda zomwe zimatsata ndondomeko yoyendetsera ntchito. Nawa ma ETF ena omwe angaganizidwe ngati gawo la PEA, ndikugogomezera ma indices okhudzana ndi msika waku France kapena waku Europe:

Lyxor CAC 40 (LYX0PA): ETF iyi ikufanana ndi ntchito ya CAC 40, yomwe ili mndandanda wa Paris Stock Exchange, yomwe imasonkhanitsa makampani akuluakulu 40 a ku France.

Amundi MSCI Europe UCITS ETF (CEUD) mbiri ya mtengo wamtengo wapatali ETF iyi imatsata MSCI Europe Index, ndikuwonetsa makampani osiyanasiyana aku Europe, kuphatikiza French.

iShares EURO STOXX 50 UCITS ETF (C50): ETF iyi imatsata EURO STOXX 50 index, yopangidwa ndi makampani 50 akulu kwambiri mugawo la yuro. Amapereka kusiyanasiyana kwa malo.

Lyxor MSCI EMU Small Cap UCITS ETF mbiri ya mtengo wamtengo wapatali Ngati muli ndi chidwi ndi zipewa zazing'ono za Eurozone, ETF iyi imatsata MSCI EMU Small Cap Index.

Amundi Index MSCI Europe SRI UCITS ETF mbiri ya mtengo wamtengo wapatali Kwa osunga ndalama omwe ali ndi chidwi ndi zofunikira za chilengedwe, chikhalidwe ndi utsogoleri (ESG), ETF iyi imatsata MSCI Europe SRI index.

BNP Paribas Easy STOXX Europe 600 UCITS ETF (EXSA) mbiri ya mtengo wamtengo wapatali ETF iyi imatsata STOXX Europe 600 index, yomwe ili ndi makampani ochokera kumayiko angapo aku Europe.

Lyxor MSCI World UCITS ETF mbiri ya mtengo wamtengo wapatali Kuti ziwonetsedwe padziko lonse lapansi, ETF iyi imatsata MSCI World Index, kuphatikizapo makampani otukuka padziko lonse lapansi.

Musanasankhe ETF, onetsetsani kuti mwamvetsetsa ndondomeko yotsatirira ndondomeko, malipiro okhudzana ndi ndalamazo, komanso momwe ndalamazo zilili. Kuphatikiza apo, kumbukirani kuti kusiyanasiyana kumakhalabe kofunikira, ngakhale ndi ma ETF. Nthawi zonse tikulimbikitsidwa kuti mufufuze bwino kapena kukaonana ndi mlangizi wazachuma musanapange zisankho zilizonse zachuma.

🌿 Kuopsa koyika ndalama pamsika wamasheya

Kuyika ndalama pamsika wamasheya kumabwera ndi mwayi wokulirapo, koma ndikofunikiranso kumvetsetsa ndikuwongolera zoopsa zomwe zingachitike. Nazi zina mwazowopsa zomwe osunga ndalama ayenera kuziganizira:

Kuopsa kwa msika: Misika yazachuma imakhala yosasinthika. Mitengo ya masheya imatha kusinthasintha chifukwa cha zinthu zosiyanasiyana, monga momwe chuma chikuyendera, zochitika zandale, chiwongola dzanja, ngakhalenso kusintha kwa msika. Otsatsa ndalama amatha kutayika ngati msika womwe amayikamo ukutsika kwambiri.

Ngozi yazachuma: Makampani ena atha kukumana ndi mavuto azachuma, ndipo osunga ndalama amatha kutayika ngati kampani yomwe adayikamo ndalama itayika. Ndikofunika kumvetsetsa mphamvu zachuma zamakampani musanayike ndalama.

Zowopsa pagawo: Kugwira ntchito kwa masheya kungakhudzidwe ndi magawo enaake. Mwachitsanzo, makampani aukadaulo atha kukhudzidwa ndi kupita patsogolo kwaukadaulo kwachangu, pomwe makampani opanga magetsi amatha kukhala okhudzidwa ndi kusinthasintha kwamitengo yazinthu.

Zowopsa zokhudzana ndi kampani: Bizinesi iliyonse ili ndi ziwopsezo zake, monga zowongolera, mikangano yamalamulo, zosokoneza, ndi zina. Ndikofunika kumvetsetsa zoopsa izi musanayike ndalama ku kampani.

Chiwopsezo cha kusintha: Ngati mugulitsa ndalama zakunja kapena ndalama zakunja, kusintha kwa mitengo yosinthira kungakhudze mtengo wa ndalama zanu mukasinthidwa kukhala ndalama za komweko.

Kuopsa kwa Liquidity: Katundu wina atha kukhala wopanda ndalama, kutanthauza kuti zingakhale zovuta kuzigulitsa mwachangu osakhudza mtengo wake. Izi zitha kukhala zovuta, makamaka kwa osunga ndalama omwe amafunikira ndalama kwakanthawi kochepa.

🌿 Kodi mungachotse liti ndalama zanu ku PEA?

Kuti mupitilize kupindula ndi mwayi wamisonkho wa PEA, muyenera kuutsegula kwa zaka zosachepera 5 kuchokera pamalipiro oyamba. 🗓️ Pambuyo pa tsiku lomalizali, mutha kuchotsa zopambana zanu nthawi iliyonse yomwe mukufuna. Adzamasulidwa ku msonkho wa ndalama (kupatula zopereka zachitetezo cha anthu).

Kutsekedwa kwa PEA pasanafike zaka 5: Mukaganiza zotseka Stock Savings Plan (PEA) yanu isanakwane chaka chachisanu chitsegule, zopindula zimaperekedwa ndi msonkho wa ndalama, kuwonjezera pa zopereka zachitetezo cha anthu. Izi zitha kubweretsa misonkho yokwera poyerekeza ndi PEA yotsekedwa pambuyo pa zaka 5.

Pambuyo pa zaka 5: PEA yanu ikapitilira zaka zisanu, zopindulazo zidapindula ndikusalipira msonkho. Komabe, zopereka zachitetezo cha anthu zikupitilizabe kugwira ntchito. Ndikofunikira kudziwa kuti kusiya chilichonse chisanachitike chaka chachisanu ndi chitatu cha kutsegulidwa kwa PEA kumapangitsa kuti akauntiyo itsekedwe.

Pakati pa zaka 5 ndi 8: Ngati mwasankha kubweza ndalama pakati pa zaka zachisanu ndi zisanu ndi zitatu, zopeza sizimachotsedwa msonkho, koma zopereka zachitetezo cha anthu zimagwirabe ntchito. Pambuyo pa zaka zisanu ndi zitatu, zopeza ndi zochotsa sizimachotsedwanso ku msonkho wa ndalama ndi zopereka zachitetezo cha anthu.

Kuchotsa pang'ono kapena kwathunthu: Muli ndi ufulu wochotsa gawo kapena ndalama zanu zonse ndi zopambana nthawi iliyonse. Kuchotsa pang'ono sikusokoneza phindu la msonkho la PEA, bola ngati akauntiyo sinatsekedwe.

Zofunikira pakupambana koletsedwa: Kuti mupindule ndi kukhululukidwa kwa msonkho pazopeza pambuyo pa zaka 5, ndikofunikira kuti PEA ikhale yotseguka komanso yogwira ntchito. Kutseka PEA chisanafike chaka chachisanu kumapangitsa kuti phindu likhale misonkho.

Kusintha kwa PEA: Ndizotheka kusamutsa PEA yanu kuchokera ku banki imodzi kupita ku ina ndikusunga zabwino zamisonkho, malinga ngati mulemekeza malamulo ndi njira zina. Katswiri wazachuma atha kukupatsani upangiri wokhudza momwe mulili kuti muwonjezere ndalama zomwe mumapeza potsatira malamulo amisonkho omwe alipo.

🌿 Kodi PEA ingaperekedwe kwa olowa m'malo mwake?

PEA imapindula ndi a kutsatizana kopindulitsa. ✅ Ikafa mwini wake, PEA imasamutsidwa kwa wotsalayo. Amasungabe misonkho yake ndipo angapitirize kupindula nayo.

Ngati mwiniwakeyo anali wosakwatiwa, PEA imatsekedwa ndipo tkubwerera kwa osankhidwa olowa nyumba. Koma palibe msonkho wa cholowa, chifukwa cha msonkho wa msonkho. Only the Zopereka zamagulu ndizoyenera.

🌿 Kutseka

Pomaliza, kuyika ndalama pamsika wamasheya ndi Stock Savings Plan (PEA) imapereka mwayi wokopa kupeza misika yazachuma pomwe mukupindula ndi phindu lalikulu lamisonkho. Komabe, ulendowu umafuna njira yoganizira komanso kumvetsetsa bwino njira za PEA.

Tapenda zisankho zosiyanasiyana zomwe zilipo, kuyambira masheya mpaka ma ETF, ndikuwunikira njira zoyendetsera ndalama komanso zoopsa zomwe timabadwa nazo. Chinsinsi chagona mu tanthauzo la zolinga zandalama momveka bwino, kusiyanasiyana kwa mbiri kuti muchepetse zoopsa, ndikuwongolera mwanzeru PEA pakapita nthawi.

Tisaiwale kufunika kwa kuleza mtima ndi mwambo mu Investment. Pokhalabe ndi malingaliro anthawi yayitali, kuyang'anira mbiri yawo nthawi zonse ndikusintha malo awo mwanzeru, wobwereketsayo amatha kukulitsa mwayi wochita bwino pomwe akugwiritsa ntchito mwayi wamisonkho wa PEA.