Magadzirisirwo emidziyo yangu nemazvo

Ndingabata sei midziyo yangu nemazvo? Kugadzirisa manejimendi emidziyo yako kwakakosha kuti chengetedza ramangwana rako rezvemari uye kuita mapurojekiti ega. Kunyangwe uine mashoma kana akawanda zvinhu, zvakakosha kuti uzvirongedze zvakanaka, zvikure uye kutarisira kutapurirana kwavo mune ramangwana.

Zvisinei, pakati pezvigadzirwa zvemari zvakaoma, kuchinja mitero uye kukwira nokudzika kwoupenyu, hazvisi nyore nguva dzose kufamba. Vazhinji vanonzwa vasina betsero nokudaro ndokurega basa iri, iro zvisinei rinokosha nokuda kwemamiriro avo ose emari.

Kuburikidza nechinyorwa ichi chakanyorwa nenyanzvi dzezvenhaka, ndinoda kukupa makiyi anoshanda kuti uone zvinhu zvakajeka. Pamwe chete tichakurukura maitiro ekuongorora zvakadzikama mamiriro ako aripo, kutsanangura zvinangwa zvako zvepakati uye zvenguva refu, pamwe nekushandisa nzira dzakakodzera dzekuzadzisa.

Chinangwa changu ndechekukubvumidza kuti usvike kune manejimendi emidziyo yako zvakadzikama, kuitira kuti ive chigadziro chaicho kuona mapurojekiti ako. Tevedza gwara kuti pakupedzisira uve mutambi ane ruzivo mune ramangwana rako rezvemari!

🥀 Chengetedza zvinhu zvako panjodzi dzehutano

Chiitiko chechinetso chehutano chakakomba, tsaona kana kufa nguva isati yakwana mumhuri kunogona kukanganisa kuenzana kwemari nemigumisiro inorema panhaka. Pakati pekurasikirwa nemari yakabatana nezororo rekurwara uye mari yehutano, kutapura kwacho kukuru kana tisina kukwanisa kuzvidzivirira.

Heano zvibvumirano zvakasiyana zvinokutendera iwe kuchengetedza midziyo yako kubva kune njodzi dzehutano.

✔️ Inishuwarenzi yenguva refu yekuchengeta

Inishuwarenzi yenguva refu imhando yeinishuwarenzi yakazvimirira inodzivirira njodzi yekurasikirwa nekuzvitonga. Inoshanda pamusimboti weannuity inobhadharwa kune munhu anovimba kuti ivagonese kuwana mari yerubatsiro runodiwa kuti vachengetedze vari pamba kana mune imwe nzvimbo yakasarudzika.

Inishuwarenzi yenguva refu yekuchengeta inobatsira kudzivirira pamhedzisiro yemari yekurasikirwa kwekuzvitonga. Kana iwe ukavimba, inishuwarenzi inovhara zvese kana chikamu chemari inodiwa: mari yekubatsira imba, kuiswa munzvimbo yakasarudzika, kugadziridzwa kwemba, nezvimwe.

Mari yemazuva ese inopihwawo. Kondirakiti iyi inobata imwe yasara ichabhadharwa kana rubatsiro rweveruzhinji rwabviswa.

Pamusoro peiyo nhanho yekuvimbika kutsamira, nyatso dzidza zvakatemwa zveinishuwarenzi yenguva refu: huwandu hwemari kana annuity yakapihwa, inokwanisika kubviswa, mamiriro ekuongororwa, mazwi uye mamiriro ekuunza vimbiso mukutamba, nezvimwe.

Zvimwe zvibvumirano zvinopa rubatsiro kurongedza vanobatana. Enzanisawo kuvharika kwako kwazvino nekwemumwe wako nevakwikwidzi. Inishuwarenzi yenguva refu yekuchengeta inofanirwa kusarudzwa nekungwarira kuti kudzivirira kwakakwana.

✔️Ishuwarenzi yerufu

Kondirakiti yeinishuwarenzi yerufu, inonziwo inishuwarenzi yehupenyu hwerufu, inovimbisa kubhadharwa kwemari yakatemerwa kune vanozowana muchiitiko cherufu rweinishuwarenzi. Iri capital inobvumira vadikani kubhadhara mari yemariro uye yenhaka, uye kubhadhara kurasikirwa kwemari. Mari yacho inofanira kuiswa maererano nezvinodiwa chaizvo zvevabatsiri uye midziyo iripo.

Kudomwa kwevanobatsirwa kwakakosha muchibvumirano cheinishuwarenzi yerufu. Rangarira kuigadzirisa nguva nenguva kana paine shanduko yemamiriro emhuri. Iwe unogona kusarudza mubatsiri mumwechete kana kugovera capital pakati pevanhu vakati wandei. A reversibility clause inobvumira capital kuti igoverwe parufu rwemukwanyina, semuenzaniso.

Inokurudzirwa kutaura zvakanaka inishuwarenzi yerufu nechibvumirano chekuviga. Iwo ekupedzisira achaita kuti zvikwanise kupa mari yakananga mari yemariro, mari yerufu yobva yadzokera kuhama kuzoripa kurasikirwa kwemari pasina kudzvanya estate.

Sarudza a pedyo kuvimba semubatsiri wekondirakiti yemariro yekutarisira mariro sezvaunoda. Zano rakanaka rinosanganisira kuvhara mariro kuburikidza nechibvumirano chakatsaurirwa, wozovimbisa zvakasara kune vagari venhaka.

✔️ vimbiso yemariro

Kondirakiti yemariro kana inishuwarenzi yemariro inokutendera iwe kuvaka capital iyo inobhadharwa panguva yerufu kuti upe mari mariro maererano nezvido zvako. Izvi zvinotadzisa mhuri kufambira mberi mari munjodzi. Mari dzakachengetwa zvakare dzinokura kuita yakachengeteka euro fund. Ichi chibvumirano chamariro naizvozvo chinopa rugare chairwoirwo rwendangariro.

Pane mafomula maviri: muzinda wemariro iyo inobhadhara mari kune vanobatsirwa kuti varonge mariro vakasununguka. Kana chibvumirano cherufu iyo inovimbisa kuvharwa kwemutengo wemariro kusvika padenga nemumwe wako.

Muzviitiko zvese izvi, pre-financing inochengetedza chikamu ichi. Kuti usarudze huwandu, fungidzira nemazvo bhajeti inodiwa pamariro ako akanaka.

Kugadzirisa nyaya yemariro hakusi nyore. Zvisinei, kuchenjera kugadzirira izvi pachine nguva kuti udzivise kuita zvisarudzo munjodzi yemirangariro. Rega mhuri yako izive zvishuwo zvako: rudzi rwemhemberero, nzvimbo yekuvigwa, chiziviso chekuvigwa, maruva, nezvimwe.

✔️ Supplementary health insurance

Inishuwarenzi yehutano igadziriro yekuchengetedzwa kwevanhu inobvumira kuvharwa kwemari yehutano yakazara kana chikamu. Inogona kuwedzerwa nevega kana mutual health insurance. Nekudaro, inoumba mbiru yekuvhara mari yehutano.

Supplementary hutano inishuwarenzi inovhara hutano hwehutano uye mari isingadzoserwe ne Social Security : kukwidzwa kwemari, chipatara zuva nezuva, mazino prostheses, osteopathy, nezvimwe.

Inobvumira kudzivisa mberi kwemari. Nyatsoongorora tafura yezvivimbiso: chiyero chekudzorera maererano nezvinhu, denga rinobvira, deductibles, nezvimwewo. Sarudza vimbiso yakawedzerwa yekuvhara kwakakwana.

Favour mafomula anosanganisira kudzoserwa kwemari yakawandisa muzvikamu zvisina makondirakiti, manejimendi ekamuri yakavanzika, pasuru yekuzvara kana garandi chaiyo yedhamu.

✔️ Kurasikirwa kwemari vimbiso

Kurasikirwa kwemari garandi inokupa iwe yekutsiva mari kana chiitiko chekurwara kana tsaona. Inoripira kudonha kwemuhoro nekuda kwekusakwanisa kana kusashanda.

Tarisa nguva dzekumirira, mari yakavimbiswa, mhando dzekumira dzakavharwa, uye kusarasikirwa kana pane chiitiko chekuremara zvachose. Izvi mari yekuchengetedza mambure kunokosha kana pakavharwa kwenguva refu.

Zvinokwanisika kuchengetedza vimbiso iyi mushure mekurega basa. Tsaona dzehupenyu hapana anosiya! Pension yekuremara ichave yekuwedzera kunogamuchirwa kune mari kana dambudziko rakakura rikaitika pazera rekukura.

Mipiro ishoma maererano nedziviriro yakapihwa. Usadzima zvakanyanya nekukurumidza kurasikirwa kwako kweinishuwarenzi yemari uchitarisira pamudyandigere. Njodzi dzeutano hadzina zera.

✔️ Inishuwarenzi inokwereta

Inishuwarenzi yevakwereta chibvumirano cheinishuwarenzi chinovimbisa kubhadharwa kwechikwereti kana chikwereti chevatengi kana pakaitika zvimwe zviitiko.

Inosungirwa kune ese mamortgages, anokwereta inishuwarenzi inodzosera chikwereti kana pakaitika rufu kana kuremara kweanopihwa inishuwarenzi. Iyi vimbiso inodzivirira chikwereti kubva pakuremera hama. Ongorora iyo TEG zvakanaka ine uye isina inishuwarenzi yekuenzanisa zvinopihwa.

Bvunzo yezvehutano yakavakirwa pachiyero chakasarudzika. Ongorora kuvharwa kwechikwereti chepamusoro kune dziviriro yakasimba. Tora nguva yekuenzanisa zvibvumirano zvinopihwa nebhangi uye nemakambani einishuwarenzi. Mitengo inosiyana zvakanyanya zvichienderana nevimbiso uye sarudzo dzakabatanidzwa.

Dzidza zvakadzama mamiriro ezvinhu einishuwarenzi anokwereta. Pamusoro perufu, ita chokwadi chekuti kusashanda, kusakwanisa uye kurasikirwa nebasa zvakavharwa zvakare. Tarisa kudzokorora uye recidivism clauses izvo zvinodzivirira kubviswa kwechibvumirano.

🥀 Chengetedza zvinhu zvangu kubva mukukwira kwemitengo

Nekukwira kwemitengo, mitengo yezvinhu nemasevhisi inowedzera, iyo inogona kuva ne kukanganisa pamari yako nesimba rako rekutenga. Kana ukasatora matanho ekudzivirira zvinhu zvako, unoisa pangozi kurasikirwa nekukosha nekufamba kwenguva. Izvi zvinogona kuita kuti zviome kuzadzisa zvinangwa zvako zvemari zvenguva refu.

✔️ Izvo zvinokanganisa zvinokonzeresa inflation pakuchengetedza

Kukwira kwemitengo kwakakwira seyatiri kusangana nako kune kukanganisa kwakanyanya pakuchengetedza kana pasina matanho anotorwa kudzivirira pairi. Chokwadi, nekukwira kwemitengo kwakawanda, simba redu rekutenga rinodzikira gore negore kana mari yedu muakaundi yebhangi isingaunzi chinhu kana zvishoma.

Ne inflation rate ye5% sezvazvino, € 100 yakaiswa pasina goho muakaundi ingangoenzana ne95 € chete mukutenga simba gore rinotevera. Ukoshi chaihwo hwemari yedu inochengeterwa iripo nokudaro hunoparadzwa zvisingadzivisiki.

Ndicho chikonzero nei zvakakosha kuti wedzera mari yako yawakachengeta kuburikidza nekudyara kunopa kanenge kudzoka kwakaenzana nedanho rekukwira kwemitengo. Zvikasadaro, tinova varombo zvishoma gore rega rega kunyangwe isu tichivaka hari yemaeuro azvino mumaakaundi edu. Gangaidzo chairo iro rinofanira kumiswa nokukurumidza!

Kukwira kwemitengo kunoshanda separasite inodya kukosha kwemari yedu. Ichi ndicho chikonzero mhinduro dziripo kurwisa denda iri, iro isu tichatsanangura mudanho rechipiri.

✔️ Rental real estate, nzvimbo yakachengetedzwa yakachengetedzwa

Iwe unozofanira kudzidza gadzirisa real estate property. Takatarisana nekutyisidzirwa kwekukwira kwemitengo, nzvimbo yekurenda inzvimbo yakachengeteka yekudzivirira simba rekutenga. Chokwadi, iyi investimendi inopa akati wandei akakosha mabhenefiti mumamiriro azvino.

Chekutanga, marendi akarongedzerwa kune inflation. Gore rega rega, vanoongororwa patsva pahwaro hweRent Reference Index inoteedzera kuwedzera kwemitengo yevatengi. Mari yako yekurojesa saka inongo wedzera pamwero wakafanana neinflation, kudzivirira simba rako rekutenga.

Uyezve, iyo real estate musika ine zvimiro mukushomeka. Kudiwa kwakakwira zvakanyanya pane kupihwa, kunyanya mune mamwe misika yakaoma senge mametropolises makuru. Nzvimbo yako inotengeswa zvakare nyore nyore uye kubhadharwa zvakare, ichipa chengetedzo yenguva refu.

Chekupedzisira, mitengo yechikwereti chezvivakwa ichiri kuramba iri pakati nepakati uye inoita inonakidza mhedzisiro yekuvaka zvinhu. Chikwereti chine musoro chinoramba chiri nzira yekukunda munguva dzekukwira kwemitengo.

✔️ Ndarama, dziviriro inoshanda kubva kumatambudziko

Ndarama yakagara ichionekwa sehutiziro hwemari uye dziviriro inoshanda pamatambudziko ehupfumi, kunyanya inflation. Munguva yekukwira kwemitengo, kukosha kwemari kunowanzodzikira, izvo zvinogona kukanganisa vatengesi simba rekutenga. Nekudaro, goridhe rinowanzo chengetedza kukosha kwayo kwemukati nekufamba kwenguva, zvichiita kuti ive chinhu chinokwezva chekuchengetedza hupfumi.

Chikonzero chikuru chiri kuita kuti goridhe rikwanise kusimba kukwira kwemitengo yezvinhu kuoneka kwaro uye kugumira. Kusiyana nemari yefiat, iyo inogona kudhindwa muhuwandu husingagumi nemasimba emari, goridhe isimbi inokosha isingagoni kudhindwa muhuwandu hwakawanda. Kushomeka kwayo uye kunogara kuchidiwa kunoita kuti ive pfuma inobatika inochengeta kukosha kwayo kuburikidza nemaitiro ehupfumi.

Uyezve, goridhe rinowanzoonekwa semhando yemari yepasi rose, zvichireva kuti inochengetedza kukosha kwayo pamwero wepasi rose. Vanoisa mari vanowanzo tsvaga kugovera chikamu chepotfolio yavo kune goridhe senzira yekusiyanisa, ichipa dziviriro inogona kubva mukukwira kwemitengo uye kushanduka kwemusika wemari. Munguva dzekusagadzikana kwehupfumi, goridhe rinowanzoita senzvimbo yakachengeteka, richikwezva vatengesi vanotarisa kuchengetedza hupfumi hwavo.

✔️ Gara wakaiswa mari kwenguva yakareba

Muchiitiko chekuwedzera kwekuwedzera kwemari, kukanganisa kunenge kuri kutya uye kutengesa zvese zvaunobata. Pane zvinopesana, zvinokurudzirwa kuramba wakaiswa mari mukati menguva refu kutora mukana wekupora kwemusika.

Dambudziko guru nderekusiya mari yako panguva yakaipisisa, pasi pesimba remanzwiro. Chengeta zvinhu zvako, mamiriro acho ezvinhu anozogadzikana. Nezvigadziriso izvi zvakagadziridzwa, iwe unozokwanisa kupfuura munguva ino yemhirizhonga zvakanyanya. Pfuma yako inozobuda yakasanganiswa.

🥀 Chengetedza midziyo yangu kana tarambana

Chii chinova pfuma yangu kana tarambana ? Kurambana kunogara kuchishungurudza mupfungwa. Asi inogona zvakare kuve nemidziyo yakaoma uye mhedzisiro yemari zvichienderana nehutongi hwewanano.

Iwe uchave wakashongedzerwa zvirinani kubata wakadzikama dambudziko iri iro zvakare rakatetepa padanho rezvinhu.

✔️Kukamurwa kwezvivakwa mushure mekurambana

Muchiitiko chekurambana, mubvunzo wekutanga unowanzo funga nezveramangwana reimba yemhuri uye zvimwe zvinowanzoitika. Muzvokwadi, zvinhu zvose zvinoenderana nehurumende yewanano yakasarudzwa panguva yemuchato.

Mukutonga kwenharaunda, midziyo inotengwa panguva yewanano inotorwa zviri pamutemo sechinhu chinowanikwa nevaviri. hafu yemudzimai wega wega.

Saka pakurambana pasi pehutongi uhwu, pfuma inowanikwa pamwe chete panguva yemubatanidzwa inokamurwa muzvikamu zvakaenzana. Mumwe nomumwe aimbove mukadzi wake anowana 50% kukosha kwemudziyo kana zvivakwa zvakabatanidzwa.

Sezvineiwo, mukuparadzaniswa kwekutonga kwepfuma, hapana kupatsanurwa kunoitika pakurambana. Mumwe nemumwe anoramba ari iye ega muridzi weimba yakawanikwa vasati varoorana uye panguva yemuchato.

Saka, kana imba yemhuri yakatengwa nemumwe wevakaroorana vasati varoorana, pfuma iyi inodzokera kwaari zvizere kana varambana. Hapana mutsauko pakati pezvinhu zvepre uye post union.

✔️ Kugovera kuchengetedza uye kudyara kwemari

Kupfuura zvivako, kurambana kunomutsawo mubvunzo wokugoverana mari yakachengetwa mumaakaundi okubhanga pamwe chete nekudyara kwemari kwakasiyana-siyana kwakadai seinishuwarenzi youpenyu. Uye ipapo zvakare, zvinhu zvose zvinoenderana nehurumende yekutanga yewanano.

Muchirevo chemubatanidzwa wemidziyo, mari inoiswa mumaakaundi akabatana uye makondirakiti einishuwarenzi yehupenyu anotorwa muzita renhengo mbiri dzevaviri ava. inoonekwa senhaka yakajairika.

Saka, kana vanhu vakarambana, zvisaririra zveakaundi dzebhangi dzakabatana zvinogovanwa muzvikamu zvakaenzana zvakaenzana, pasinei zvapo nokuti ndeupi wevakaroorana akaparira akaunzi idzi. Munhu wese anogashira 50% yemari iripo.

Pasi pehutongi hwekuparadzaniswa kwemidziyo, poindi yekugovana maringe nekuchengetedza nekudyara: mumwe nemumwe anoramba ari iye ega muridzi wemaakaundi ebhangi nezvibvumirano zvavanazvo, kunyangwe zvakavambwa vasati varoora kana kuroorwa.

Wese munhu saka anochengeta zvese zvaakachengeta, masaramusi emaakaundi avo ega, makondirakiti einishuwarenzi yehupenyu, PEA yavo, mari yayo yemusika wemasheya... Il hapana musiyano pakati pezvinhu vasati varoorana uye mushure memuchato.

✔️ Mubvunzo wakaoma wekugovana penjeni mushure mekurambana

Kurambana kunokanganisa zvakare mari dzemudyandigere uye mari dzemudyandigere dzevaimbova vakaroorana. Mitemo yacho yakaoma, asi zvakakosha kuti uizive zvakanaka kudzivirira zvaunofarira.

Mune mamwe mamiriro ezvinhu, aimbove akaroorana naye angave ane kodzero yekuwana chikamu chepenjeni yeaimbova mudiwa wake kana iye ari mumamiriro ezvemari asina kusimba. Hazvina kurongeka : akati wandei maitiro anofanirwa kusangana uye kukumbirwa zvakajeka.

Kuti ukwanise kugashira chikamu chepenjeni yewawakarambana naye, unofanira kuzadzisa zvese zvinotevera:

• Vakachata for at makore asingasviki 2 vasati varambana;
• Kusaroorazve mushure mekurambana;
• Iva zvishoma makore mashoma 62 kana makore makumi matanhatu muchiitiko chekusakwanisa kushanda;
• Ruramisa zviwanikwa zvemunhu pazasi pesirin'i yakatarwa pa €21 pagore. Iyi sirin'i inowedzera mune yevana vanovimba.

Kana zvisungo zvese izvi zvikazadzikiswa, unogona kunyorera mugove wemupukunyuki wako panguva yeupenyu hwewawakamboroorana naye. Mushure mekufa kwake, iwe unozokwanisawo kutora penjeni yemupukunyuki yechirikadzi nevarume vakafirwa.

✔️ Basa rakakosha remubhadharo wemubhadharo

Munguva yekurambana, vatongi vanogona kusarudza kupa mvumo yekubhadhara kune mumwe wevaimbova vakaroorana, kubhadhara kusawirirana kwakanyanya mumamiriro ezvinhu ehupenyu mushure mekurambana.

Muripo uyu unopihwa nemutongi kune wavakaroorana naye anoonekwa seane kushaya mari zvakanyanya zvichitevera kurambana, kudzivisa kusachengeteka kwakanyanyisa. Mamiriro ekutora ndeaya:

• Kurambana kunoitwa nematare edzimhosva (saka pasina kurambana nekutenderana);
• Musiyano unokosha mukurarama pashure pokurambana;
• Kugona kubatsira kwemumwe mukwanyina kuti awane mari.

Izvi hazvisi zveotomatiki: zvinofanirwa kukumbirwa zvakananga kubva kumutongi wedare remhuri.

✔️ Alimony yevana vevaviri

Pamusoro pemuripo wemuripo, kurambana kunobatanidzawo kubhadharwa kwemari yeroora kuti igovere zvinodikanwa zvavana, pasinei zvapo noutongi hweroorano.

Uyu musengwa unopfuurira chero bedzi mwana wacho haina kuzvimiririra zvakakwana. Mari yacho inotarwa zvichienderana nezviwanikwa zvemubereki wega wega uye zvinodiwa nemwana. Zvinokwanisika kupa mubhadharo wakananga pakati pevabereki kana kutsigirwa neCAF, kunyanya kana ane chikwereti akasabhadhara.

Mari yakasarudzika (mari yekurapa, dzidzo…) zvakagovaniswa zvichienderana nemari inotambirwa nemubereki wega wega. Pano zvakare, kana pakaitika kusawirirana, mutongi achasarudza zvichienderana nezvido zvemwana uye mararamiro ekare emhuri.

✔️ Gadzirisa mutero wako wehupfumi mushure mekurambana

Kurambana dzimwe nguva kunoguma nekutakurwa kwemidziyo kubva kune waakamboroora kuenda kune mumwe sechikamu chekupatsanura. Kubva pamutero wekutarisa, zvinogoneka kukwidziridza idzi kutamiswa. Kana imba yakabatana ikaendeswa sechikamu chekurambana, mumwe nemumwe wevakaroorana achakwanisa kubatsirwa kubva mukuderedzwa kwemutero kwenguva yemuridzi pamugove wavo.

Chakanakira chisingatarisirwe kana paine kutengeswa kwemudziyo mushure mekurambana, kunyanya kana iri kukosha kwakawedzera zvakanyanya.

Kana kurambana kuchisanganisira kutengwazve kwezvibatiso zvemari zvakabatanidzwa pamwe chete, zvinokwanisika kuparadzira mari yako inobhadhariswa mari mumakore akati wandei. Pachokwadi, mari inowanikwa panguva yekuendeswa kwezvibatiso kune waimbova mukadzi akaomeswa nechando nekuda kwemutero. Ichatemerwa mutero chete mugore iro mari yacho inobviswa.

Iyi nzira inoita kuti zvikwanise kuderedza kuwanda kwekuve shuma gore negore. Kudzidzwa pane imwe nyaya-ne-nyaya zvichienderana nemari inobatanidzwa.

✔️ Gadzirisa bhajeti yako mushure mekurambana

Kana kurambana kwapera uye midziyo yagovaniswa, zvakakosha kudzoreredza bhajeti yako kuti uchengetedze mararamiro ako. Pashure pemakore ekugara pamwe chete, kurambana kunongoreva kuderera kwemari yaunowana. Iwe unofanirwa kugadzirisa mararamiro ako kuitira kuti usashamisika:

• Deredza zvimwe zvinobatika mari (dzimba, mota, kunyoreswa, nezvimwewo)
• Tsvaga imwe mari kana zvichiita
• Nyora mukuchengetedza kwako nenzira yakayerwa

Kutarisira zvinhu zvikuru zvekushandisa zvichadzokororwa. Uye kuwana rubatsiro kubva kune chipangamazano wezvemari kana zvichidiwa. Kana kurambana kwakupa mari kubva mukutengeswa kwemidziyo yakabatana, isa mari nehungwaru. Favour hungwaru investments, inowanikwa chero nguva yekuwedzera mari yako.

🥀 Asset manejimendi kukanganisa kudzivirira

Kugadzirisa hutungamiri hwehupfumi hwemunhu ndiko basa rakaoma. Pakati pezvakawanda zvinogoneka zvekudyara, shanduko isingachinji yemisika uye yakaoma mutero, hazvisi nyore nguva dzose kuita sarudzo dzakarurama. Nekudaro, mamwe zvikanganiso zvekutonga hupfumi zvinouya kazhinji uye zvinokanganisa mashandiro kana kuwedzera njodzi yepodfolio yako.

✔️ Kutarisa zvakanyanya pakudzoka kwenguva pfupi

Kana munhu achifarira mari, kudzoka kunoratidzwa ndiyo nzira yakakosha. Zvisinei, chikanganiso chakajairika ndechekutarisa chete pakuita pakarepo kana mumakore 1-2.

Nekudaro, kuti ukure midziyo yako pamusoro penguva refu, zviri nani kutarisa pane purofiti mu5, 10 kana 20 makore. Investment ine yakanakisa yekutanga kudzoka zvakare inowanzova ine riskiest pamusoro penguva refu. Vanovaisa pachena kune njodzi huru yekurasikirwa kwemari kana pakaitika kuderera kwemusika.

Naizvozvo zvinodikanwa kutora chiono chenguva refu uye kufarira midziyo inogoneka, kunyangwe kana purofiti yavo yekutanga yakaderera. Chinhu chikuru ndechekuvavarira kuenzana kwakanakisa pakati pekudzoka uye njodzi nekufamba kwenguva.

✔️ Chengetedza goho rakazara usingatarise mubhadharo

Goho kana kuita kwepagore kunoiswa mberi mukutaurirana kunoratidza goho rose, mari isati yasvika uye mutero usati watanga.

Nekudaro, kuti unyatso kufungidzira purofiti chaiyo yekudyara, zvakakosha kuti utarise mambure ekudzoka, mushure mekubviswa kwemitengo yese ine chekuita nekudyara uku. Mari idzi dzinogona goho kubva pa1 kusvika ku4% kudzoka gore rega rega zvichienderana nekudyara.

Izvi zvinosanganisira mari dzepagore dzekutarisira homwe yekudyara, mari yekupinda kana arbitrage yeinishuwarenzi yehupenyu, mari yetransaction ye. Rental property...

Iyi mari inodzokororwa inodya chikamu chakakosha chekuita. Saka zvakakosha kuti uzviverengere mukuenzanisa kwako kwekuenzanisa kwekudyara kwakasiyana kwakatariswa.

✔️ Kuisa mazai ako ese mubhasiketi rimwe nekuda kwekushomeka kwekusiyana

Uyu ndiwo musimboti wekutanga mukutonga kwehupfumi: kusiyana kwekudyara kwakakosha kukwenenzvera kudzoka/njodzi vaviri. Nekuisa mari yako yese pachikamu chimwe chete cheasset (magove, mabhondi, real estate, nezvimwewo), unozviisa panjodzi yakawedzerwa kana pakaitika kusashanda zvakanaka kwemusika uyu.

Sezvineiwo, nekuchenjerera kugovera zvinhu zvako pamusoro pemhando dzakasiyana dzekudyara pasina kuwirirana pakati pazvo, ngozi yose yakaderera zvikuru.

Nekudaro, kubata migove, mari yezvivakwa, inishuwarenzi-yakabatana yehupenyu, zvigadzirwa zvemubereko, uye mari zvakakosha kusiyanisa njodzi uye dziva rekudzoka.

✔️ Regedza mitengo inodzokororwa inokanganisa pundutso

Sezvataurwa pamusoro apa, mari inogadzirwa nekudyara (muripo wekutonga, muripo wekupinda, muripo wekupokana, muripo wekutengeserana…) kuderedza mambure avo kudzokera kune saver nehuwandu hwakafanana.

Nekudaro, idzi mitengo dzinowanzo furatirwa kana kudzikisirwa nevanhu pakuita sarudzo dzekudyara. Vanotarisa pakudzoka kwakakomba kana kuita kwekare, vachivharidzira kukanganisa kwemuripo.

Nekudaro, nekufamba kwenguva, idzi mitengo dzinodzokororwa dzinogona kuderedza zvakanyanya purofiti yekudyara. Saka zvakakosha kubatanidza zvizere chiyero ichi mukuenzanisa kuongorora kwekudzoka / njodzi mbiri. Kugadzirisa nhaka yaro, nyatsotarisa zvinodhura yakakosha sekuita.

Nokudaro, ETFs inodhura-yakaderera ichave inobatsira zvikuru kudarika homwe yepamusoro-soro, kunyange kana kushanda kwavo kwakakura kuri. zvakafanana pamberi pemitengo.

✔️ Kuisa kukosha kwakanyanya pakuita kwakapfuura

"Kuitwa kwekare hakuvimbisi kushanda kweramangwana“. Uyu mutsara wetsika mumagwaro ebhizinesi une chokwadi chikuru.

Mukutonga kwehupfumi, kuri kuyedza kuisa pamberi pekudyara kunoratidza kudzoka kwakanyanya akapedza makore anopfuura mashanu kana gumi. Avo vakaita zvakanakisisa munguva yakapfuura vanoratidzika kuva vane bviro huru yokupfuurira mberi.

Nekudaro, iyo misika yemari inogara ichishanduka uye shanduko yemamiriro ezvinhu inoita kuti chero kufanotaura kuve nenjodzi. Ndiani angadaro akafanotaura makore gumi apfuura kuputsika mabhondi kana kuti real estate boom?

Panzvimbo pekuvimba chete nerekodhi yekubata kumeso, zviri nani kudzidza zvakakosha uye tarisiro yeramangwana rekudyara zvakadzama usati wafunga kuisa mari. Kusimba kwayo uye kugona kweramangwana kunotora pamberi pekuita kwayo kwakatoitwa.

✔️ Ita sarudzo inotungamirwa nemanzwiro

Kudyara hupfumi kunoda maonero uye hungwaru kuita sarudzo dzakakodzera. Nehurombo, manzwiro anogona zvakare kutamba manomano akaipa pane vanhu. Naizvozvo unofanira kuva a kungwara mupfungwa yakasimba.

Somuenzaniso, vamwe vanoedzwa kutengesa mari yavo yese vachivhunduka panguva yekuparara kwemusika wemasheya. Sezvineiwo, vamwe vanotungamirwa nekudyara zvakanyanya muzvinhu zvekufungidzira zvakanyanya kutasva bubble, nekutya kupotsa mukana.

Kuita sarudzo dzepfungwa pamberi pekusagadzikana kwemusika wepamusoro kazhinji kunotungamira zvikanganiso zvinodhura. Zviri nani zvikuru kuchengetedza kudzikama uye kunzwisisa mumamiriro ezvinhu ose.

✔️ Kutengesa zvakawandisa pasina chaiyo yenguva refu zano

Vamwe vanhu vakapindwa muropa nemisika vanopedzisira vawedzera kumashure nekudzoka pakati pekudyara nenzira isina musoro uye yemanzwiro.

Nekudaro, kusagadzikana uku kunounza mitengo yakakwira yekutengeserana inokanganisa zvakanyanya kudzoka. Uyezve, izvi "wokutengesera” kumanikidza kunoitwa kazhinji yenguva pasina hurongwa hwenguva refu hweasset.

Pane zvinopesana, kugoverwa kweasset kwakanyatsonaka kana ichitsanangurwa zvine hungwaru maererano nezvinangwa zvayo, uye zvishoma nezvishoma inogadziriswa maererano nekuchinja kwemisika uye mamiriro ayo.

✔️ Tisingafungi nezvekukanganisa kweinflation

Inflation, kunyange pakati nepakati, inodya gore negore zvishoma zvekukosha kwezvinhu zvako zvausina kuisirwa. Mukufamba kwenguva, kukanganisa kwayo kuri kure nekurebesa.

Ngatitorei muenzaniso: ne2% chete inflation yepagore, €100 yakaiswa muakaundi yako yazvino inorasikirwa ne000% yeukoshi hwayo mukutenga simba pamusoro pe nezve 10 ans.

Saka zvakakosha kuti ugare uchifunga nezvekuita kweinflation mukuyerwa kwekudyara kwako. Mamwe mapoka emidziyo anoita kuti zvikwanise kudzivirira kubva mukukwira kwemitengo.

✔️ Kuregeredza mutero optimizations

Kunyangwe iine gross kudzoka, mutero unoshanda kune maviri ekudyara unogona kusiyanisa zvakanyanya uye uchikanganisa mambure anogamuchirwa.

Ziva maitiro ekukwirisa mutero wezvinhu zvako nekushandisa mahamvuropu akazvitsaurira (PEA, inishuwarenzi yehupenyu...) saka zvakakosha. Izvi zvinogona kukuwanira akati wandei mambure ekudzoka mapoinzi gore rega rega kuburikidza nemitero uye kuderedzwa kwezvipo zvevanhu.

Nzira yehupfumi inotora chikamu chemutero mukudzikama inova yakakosha kupfuura humwe huwandu hwezvinhu. Zano renyanzvi rinowanzodikanwa.