Maitiro ekudyara mumusika wemasheya nePEA

Kuisa mari mumusika wemasheya nePEA ndiko yakakurumbira zvikuru nevachengeti. Nekuda kwemutero wayo unobatsira pamari inowanikwa uye migove yakagamuchirwa, inowedzera kuita kwekudyara uku ichidzikisa mutero. Iyo PEA inopawo mukana wekusiyanisa mari yemunhu pakati pemotokari zhinji senge mashare, ETFs, mari, waranti, nezvimwe.

Asi kutora mukana wakazara wePEA yayo, zvichiri kudikanwa kuti unzwisise kuti inoshanda sei uye shandisa nzira yakakodzera yekudyara.

• ✔️Ndeipi inotsigira inokodzera?
• 👉 Maitiro ekutora mukana weimwe neimwe mhando yeasset?
• ✔️ Ndeipi mugove wekutora pakati pezvikamu zvehupenyu, ETF uye mari?

Yakawanda mibvunzo yatichapindura muchinyorwa chino kuti ikubvumire iwe kukwiridzira PEA yako. Nekuda kweiyi zano rakakosha, iwe unozoziva nzira yekuvaka inoshanda uye yakatsiga PEA portfolio, inokwanisa kusimudzira musika wako wemasheya mukudzoka kwenguva refu uchidzora njodzi.

Gadzirira kuva ace yePEA manejimendi! 📈 Asi tisati tatanga, hezvino Nzira yekubvisa sei chikwereti?

Handeyi !!

🌿Chii chinonzi PEA?

PEA (The Savings Plan in Actions) chirongwa chekuchengetedza masheya chakagadzirirwa kune mumwe munhu anoisa mari. 💰 Zvinokutendera kuti uise mari muzvikamu zvemakambani eEurope, asiwo muzvikamu zvemamwe maUCITS (Collective Investment Organisations muTransferable Securities) akadai seSICAVs (Variable Capital Investment Companies) uye FCPs (Common Funds of Placement).

Heano mamwe akakosha ruzivo rwekuziva nezve PEA:

Fiscal zvakanakira: Kuwana mari kunoitwa pazvibatiso zvakachengetwa muPEA hazvibviswe pamutero wemari, chero vachiremekedza nguva shoma yemakore mashanu. Pamusoro pezvo, migove yakagamuchirwa inoiswa pasi peimwe flat-rate levy (PFU) ye5%, kusanganisira mutero wemari uye mipiro yekuchengetedzwa kwevanhu.

Kubhadhara miganhu : Iyo PEA iri pasi pekubhadhara sirin'i. Parizvino, sirin'i yakaiswa pa150 euros yePEA yega uye pa000 euros yePEA yakabatana. Zvakakosha kuziva kuti mari inobhadharwa kuPEA haigone kudzoserwa kana sirin'i yasvika.

Minimum detention period: Kuti ubatsirwe kubva kumari inowana mutero wekuregererwa, zvinodikanwa kuchengetedza zvibatiso muPEA kweanenge makore mashanu. Kana iwe ukabvisa nguva ino isati yasvika, iwe uchave uri pasi pemutero wemari inowanikwa.

Kuendeswa kwePEA: Zvinogoneka kuendesa PEA yako kubva kune rimwe bhangi kuenda kune rimwe, uchichengetedza hukuru hwako hwemutero. Nekudaro, zvakakosha kuremekedza mimwe mitemo uye kutarisisa kune inokwanisika mari yakabatana nekutamisa uku.

Kushandisa mari: Mari inowanikwa muPEA inogona kushandiswa kuita mari itsva kana kubvisa zvishoma. Nekudaro, zvakakosha kuti tirambe tichifunga kuti chero kubvisa kunoitwa nguva isati yasvika yekubata ichaguma nekuvharwa kwePEA uye mutero wemari inowanikwa.

🌿 Ndiani anogona kuvhura PEA?

Iyo PEA inogona kuvhurwa chero munhu mukuru wenyama. Vadiki vanogona zvakare kuvhura PEA, asi nechibvumirano chemumiriri wavo wepamutemo. Zvakakosha kuziva kuti munhu wega wega anogona kubata PEA imwe chete, angava munhu kana akabatana. Mukuwedzera, hazvibviri kuvhura PEA muzita rekambani kana sangano repamutemo.

Kuti uvhure PEA, zvinodikanwa kuti upe mamwe magwaro anotsigira, senge chitupa chitupa uye humbowo hwekero. Zvinogoneka zvakare kuti bhangi kana online broker anokumbira rumwe ruzivo nezve investor, senge mamiriro avo ehunyanzvi uye mari.

Chekupedzisira, zvakakosha kuziva kuti iyo PEA iri pasi pekubhadhara sirin'i, yakaiswa pa 150 euros yemunhu PEA uye 300 euros yekubatana kwePEA.

🌿Ungavhura sei PEA?

Kuvhurwa kwePEA inokurumidza uye iri nyore. ✅ Kuti uvhure PEA, unofanira kutanga wasarudza sangano rezvemari rine mvumo yekupa ichi chigadzirwa chekuchengetedza. Iri rinogona kunge riri rechinyakare bhangi kana online broker.

Ipapo, iwe unofanirwa kubata iyi dhizaini uye nekupa magwaro anotsigira anodiwa kuti uvhure PEA, senge gwaro rechitupa uye humbowo hwekero.

Zvinogoneka zvakare kuti bhangi kana online broker anokumbira rumwe ruzivo nezve hunyanzvi hwako mamiriro uye mari yaunowana. Kana magwaro ese anotsigira apihwa, sangano rezvemari richavhura PEA.

🌿 Ndeipi mari inogona kuitwa muPEA?

MuPEA, zvinokwanisika kuisa mari muzvikamu zvemakambani eEurope akanyorwa pamusika wakarongwa, pamwe chete mamwe maUCITS akadai seSICAVs neFCPs. Magove anokodzera kuPEA anofanirwa kuzadzisa mamwe maitiro, sekupihwa nemakambani ane hofisi yavo muEuropean Union kana munyika yenhengo yeEuropean Economic Area.

Pamusoro pezvo, migove inofanirwa kunyorwa pamusika unodzorwa, seEuronext Paris kana London Stock Exchange.

Izvo zvakakosha kuti uzive kuti zvimwe zvigadzirwa zvemari hazvikodzere kuPEA, senge waranti, zvitupa uye mabhondi anoshandurwa kuita mashare. Pamusoro pezvo, zvinorambidzwa kushandisa mari dzakaiswa muPEA sechivimbiso chechikwereti kana chechikwereti.

🌿 Nzira yekugadzirisa sei PEA yako nekufamba kwenguva?

Kuisa mari mumusika wemasheya nePEA (Stock Savings Plan) kunoda nzira yehungwaru uye manejimendi ane hungwaru nekufamba kwenguva. Kutanga, zvakakosha kutsanangura chinangwa chekudyara chakajeka, chingave chekukura kwenguva refu, kugadzira mari kana musanganiswa wezviviri. Kana chinangwa ichi chagadzwa, kusarudzwa kwezviito zvakakodzera kuPEA kunofanirwa kuitwa nemazvo.

La portfolio diversification itsika inokurudzirwa kuderedza njodzi. Nekuparadzira mari mumakirasi akasiyana easset uye zvikamu, kushanduka kwemusika kuchave nekushomeka pane yese portfolio. I

Izvo zvakakoshawo kuti ugare uine ruzivo nezve zviri kuitika mumisika yemari, nhau dzehupfumi uye mashandiro emakambani awakaisa mari.

La kushivirira chinhu chakanaka kana zvasvika pakubata PEA. Misika yemasheya inogona kusangana nekuchinja kwenguva pfupi, asi chinotarisa chinofanira kunge chiri pakuona kwenguva refu. Dzivisa kukundwa nemaitiro echimbichimbi ekufamba kwemusika kwenguva pfupi.

Urongwa hwekudyara hwakarongeka hunosanganisira kuramba wakatendeka kuhurongwa hwako hwepakutanga uye kugadzirisa zvinzvimbo zvinoenderana nebudiriro yehupfumi kwete mafambiro emusika wemanzwiro.

Periodic portfolio rebalancing is tsika inokurudzirwa. Izvi zvinosanganisira kugadzirisa zviyero zvezvinhu zvakasiyana zvichienderana nekushanduka kwehukoshi hwazvo. Izvi zvinobatsira kuchengetedza kusiyanisa uye kuona kuti iyo portfolio inoramba yakabatana nezvinangwa zvekutanga zvemari.

Pakupedzisira, kugara kwekudyara kunogona kubatsira. Pane kuedza kuverengera musika nguva, funga kuisa mari yakatarwa nguva nenguva, izvo zvinobatsira kudzikamisa kushanduka kwemusika nekufamba kwenguva.

🌿 Ndeipi nzira yekudyara yekutora muPEA yako?

Dzakati wandei sarudzo dziripo kwauri dzekudyara muPEA yako. 📊 Heano mamwe maitiro akajairwa:

Rarama kuita

Kuisa mari mumatokisi ega ega kunogona kupa kwakakosha kukura, asi zvakare inotakura mwero wepamusoro wengozi. Zvakakosha kuita ongororo yakadzama pamakambani akasarudzwa.

La portfolio diversification zviito zvemunhu zvakakosherawo kudzikisira njodzi dzakanangana nekambani.

Zvichengetedzo zvine njodzi (zvivharo zvidiki, biotechs, nezvimwewo)

Riskier securities, senge madiki cap stocks kana makambani ebiotechnology, anogona kupa kudzoka kwakanyanya, asi iwo zvakare anowedzera kushanduka. Dzinofanirwa kutariswa nekuchenjerera uye pamwe nekupinzwa muchikamu chakasiyana siyana kugadzirisa njodzi.

Equity funds

Mari yekudyara, kunyanya mari dzeequity, inogona kupa kusiyanisa nekukurumidza. UCITS (Undertakings for Collective Investment in Transferable Securities) inobvumira vanoisa mari kugovera manejimendi kune nyanzvi dzinosarudza bhasiketi rakasiyana siyana remasheya.

Zvakakosha kusarudza mari zvichienderana nechinangwa chekudyara, kuita kwekare uye mubhadharo.

ETFs (Exchange-Traded Funds)

ETFs kazhinji inoteedzera mashandiro eiyo stock index. Ivo vanopa nekukurumidza kusiyanisa uye vanotengeswa pamasheya semasheya. ETFs inogona kuva sarudzo inodhura yekutsvaga misika chaiyo kana zvikamu pasina kusarudza mashizha ega.

Thematic investing

Vamwe vanoisa mari vanosarudza kutarisa pane chaiwo madingindira akadai sesimba rinodzokororwa, tekinoroji, hutano hwehutano, nezvimwe. Thematic money kana thematic ETFs inogona kushandiswa kutora mukana weaya chaiwo maitiro emusika.

Active management vs. passive management

Kushanda manejimendi kunosanganisira kusarudzwa kwebhuku remasheya kana mari nemutungamiriri wepodfolio, nepo kungozvibata kunosanganisira kuronda imwe index. Vagadziri vemari vanogona kusarudza pakati peidzi nzira zvichienderana nezvavanofarira, zvavanotenda pamusika uye nehorizon yekudyara.

Risk management

Chero nzira inosarudzwa, iyo kudzora njodzi kwakakosha. Izvi zvinosanganisira kuseta miganhu inogamuchirika yekurasikirwa, kutarisisa iyo portfolio nguva nenguva uye kugadzirisa kuumbwa zvinoenderana. Diversification, zvese paasset uye chikamu chikamu, inoita basa rakakosha mukutarisira njodzi.

Zvakakosha kuziva kuti sarudzo dzekudyara dzinoenderana nezvido zvemunhu wega, chinangwa chemari uye kushivirira kwenjodzi. Hungwaru kusiyanisa uye kugaro tarisa zvinoramba zviri misimboti yekutarisira portfolio, zvisinei nemhando dzemidziyo yakasarudzwa mukati mehurongwa hwePEA.

🌿 Ndezvipi zvikamu zvinofanirwa kufarirwa muPEA yako?

Kusarudza kuti ndeapi zvikamu zvekuisa pamberi muPEA zvinoenderana nezvinhu zvakati wandei, kusanganisira zvibodzwa zvako zvekudyara, kushivirira kwako njodzi uye nguva yako. Heano mamwe matunhu anogona kutariswa, asi ramba uchifunga kuti kusiyanisa kunoramba kuchikosha mukudzikisa njodzi dzakanangana nechikamu:

Technology : Makambani etekinoroji anogona kupa yakakura kukura mukana. Nekudaro, iyo indasitiri inowanzo shanduka, uye zvakakosha kutarisa ari kubuda tekinoroji maitiro uye mashandiro emakambani ega.

Hutano uye biotechnology: Nehuwandu hwekuchembera, iyo hutano hwehutano uye biotechnology chikamu chinogona kupa mikana yekukura. Nekudaro, zvakakosha kuti unzwisise kutenderera kwemishonga uye biotechnology chigadzirwa, pamwe nemitemo yeindasitiri.

Simba rinovandudzwa: Investment in renewable energy iri kuwedzera kufarirwa nekuda kwekuchinja kune mamwe magetsi akasimba. Makambani anoita basa rezuva, mhepo, uye mamwe magetsi akachena anogona kubatsirikana kubva mukufamba kwenguva refu.

Discretionary kushandiswa: Chikamu ichi chinosanganisira zvinhu zvisina kukosha uye masevhisi, sekufamba, nhandaro nemafashoni. Inogona kuva nehanya nekushanduka kwehupfumi, asi discretionary kushandiswa kunogonawo kubatsirwa kubva munguva dzekukura kwehupfumi.

Mari nemabhangi: Chikamu chezvemari, kusanganisira kubhengi, inishuwarenzi uye masevhisi emari, anogona kupesvedzerwa nemamiriro ehupfumi. Kuita kunogona kunge kwakabatana zvakanyanya nemitengo yemubereko uye marongero ehupfumi.

🌿 Ndezvipi zviito zvemunhu zvinofanirwa kuverengerwa muPEA yako?

Kusarudza kuti ndeapi masheya ekuisa muPEA zvinoenderana nezvinhu zvakasiyana, zvinosanganisira zvinangwa zvekudyara, nguva yakatarisana, kushivirira kwenjodzi uye kuongororwa kwemusika wega. Heano mamwe mafungidziro akajairwa uye mimwe mienzaniso yemakambani aungafunga.

French blue chips: Makambani makuru eFrance, anowanzonzi "machipisi ebhuruu", zvinowanzoonekwa sekudyara kwakagadzikana nekuda kwehukuru hwavo uye chinzvimbo chemusika. Izvi zvinogona kusanganisira makambani eCAC makumi mana akadai seL'Oréal, TotalEnergies, Sanofi, nezvimwe.

Technology : Makambani epasi rose tekinoroji anogona kupa yakakura kukura mukana. Semuenzaniso, makambani akaita seDassault Systèmes, Capgemini kana STMicroelectronics vatambi vakakosha mumunda wehunyanzvi.

Hutano uye biotechnology: Makambani ehutano anogona kuverengerwa kusiyanisa portfolio yako. Sanofi, EssilorLuxottica kana Thales inogona kunge iri sarudzo dzekufunga nezvadzo.

Simba rinovandudzwa: Kana iwe uchifarira simba rinodzokororwa, makambani akadai seTotalEnergies, Engie, kana Orsted (kana iwe uchibvuma masheya ekunze) anogona kuverengerwa mune yako portfolio.

Consumer goods: Makambani anopa zvinhu zvevatengi, seL'Oréal, Danone, kana LVMH, anogona kutariswa kugadzikana kwavanounza kune portfolio.

Indasitiri : Makambani emaindasitiri akadai seAirbus, Safran kana Vinci anogona kuverengerwa kutora chikamu mukukura kwehupfumi nemapurojekiti ezvivakwa.

Izvo zvakakosha kuti uzive kuti kusiyanisa kwakakosha kudzikamisa kambani- kana chikamu-chaiyo njodzi.

🌿 Ndeipi ETF yekusarudza sechikamu chePEA?

Sarudzo yeExchange-Traded Funds (ETF) yeEquity Savings Plan (PEA) zvinoenderana nehurongwa hwekudyara, zvinangwa zvako zvemari uye kushivirira kwako njodzi. ETFs imari yekutsinhana-inotengesa indekisi inoteedzera mashandiro eindekisi iri pasi. Heano mamwe maETF anogona kutorwa sechikamu chePEA, nekusimbisa kune indices yakabatana neFrench kana yeEuropean musika:

Lyxor CAC 40 (LYX0PA): ETF iyi inodzokorora kushanda kweCAC 40, iyo indexship index yeParis Stock Exchange, iyo inounza pamwechete makambani makuru makumi mana eFrance.

Amundi MSCI Europe UCITS ETF (CEUD): Iyi ETF inoteedzera iyo MSCI Europe Index, ichipa mukana kune akasiyana siyana emakambani eEurope, kusanganisira French.

iShares EURO STOXX 50 UCITS ETF (C50): ETF iyi inoteedzera EURO STOXX 50 index, inoumbwa nemakambani makuru makumi mashanu ari muEuro zone. Inopa geographic diversification.

Lyxor MSCI EMU Diki Cap UCITS ETF (MMS): Kana iwe uchifarira Eurozone madiki kapisi, iyi ETF inoteedzera iyo MSCI EMU Diki Cap Index.

Amundi Index MSCI Europe SRI UCITS ETF (EUR): Kune vanoisa mari vanofarira zvezvakatipoteredza, zvemagariro uye zvekutonga (ESG), iyi ETF inoteedzera iyo MSCI Europe SRI index.

BNP Paribas Easy STOXX Europe 600 UCITS ETF (EXSA): Iyi ETF inoteedzera STOXX Europe 600 index, iyo inosanganisira makambani anobva kunyika dzakawanda dzeEurope.

Lyxor MSCI World UCITS ETF (WLDR): Kuti ionekwe pasi rose, iyi ETF inoteedzera MSCI World Index, inosanganisira makambani kubva kumisika yakasimukira pasi rose.

Usati wasarudza ETF, ita shuwa kuti unonzwisisa nzira yekutevera yeindekisi, mari yakabatana, uye kuumbwa kwehomwe. Uyezve, ramba uchifunga kuti kusiyanisa kunoramba kuchikosha, kunyange neETFs. Zvinogara zvichikurudzirwa kuita tsvakiridzo yakakwana kana kubvunza chipangamazano wezvemari usati waita chero sarudzo dzekudyara.

🌿 Njodzi dzekudyara mumusika wemasheya

Kuisa mari mumusika wemasheya kunouya nemikana yekukura, asi zvakakoshawo kuti unzwisise nekugadzirisa njodzi dzakabatana. Heano mamwe enjodzi huru dzinofanirwa kutariswa nevashambadziri:

Dambudziko remusika: Misika yemari inokonzerwa nekusagadzikana. Mitengo yemasheya inogona kuchinjika nekuda kwezvinhu zvakasiyana-siyana, semamiriro ehupfumi, zviitiko zvezvematongerwo enyika, mhindu, uye kunyange mamiriro emusika. Vagadziri vemari vanogona kurasikirwa nekurasikirwa kana musika wavanodyara ukasangana nekuderera kwakanyanya.

Ngozi yemari: Mamwe makambani anogona kusangana nematambudziko emari, uye vanoisa mari vanogona kurasikirwa kana kambani yavakaisa mari mairi ikabhuroka. Izvo zvakakosha kuti unzwisise simba rezvemari remakambani usati waisa mari.

Sector ngozi: Kushanda kwemasheya kunogona kukanganiswa nechikamu-chakanangana nezvinhu. Semuyenzaniso, makambani etekinoroji anogona kukanganiswa nekukurumidza kufambira mberi kwetekinoroji, nepo makambani emagetsi angave ane hanya nekushanduka kwemitengo yezvinhu.

Ngozi yakanangana nekambani: Bhizinesi rega rega rine njodzi dzaro, senge manejimendi nyaya, kupokana kwemutemo, zvinonyadzisa, nezvimwe. Zvakakosha kunzwisisa njodzi idzi usati waisa mari mukambani.

Risk kuchinja: Kana iwe ukadyara mumasheya ekunze kana mari, shanduko mumitengo yekuchinjana inogona kukanganisa kukosha kwekudyara kwako kana yashandurwa kumari yako yemuno.

Liquidity risk: Zvimwe zvinhu zvinogona kushaya liquidity, zvichireva kuti zvingave zvakaoma kuzvitengesa nekukurumidza pasina kukanganisa mutengo wavo. Izvi zvinogona kuve dambudziko, kunyanya kune vanoisa mari vanoda kwenguva pfupi liquidity.

🌿 Ndepapi paunogona kubvisa mari yako kubva kuPEA?

Kuti urambe uchibatsirwa kubva pamutero wePEA mutero, unofanirwa kuichengeta yakavhurika kweanenge makore mashanu kubva pakubhadhara kwekutanga. 🗓️ Mushure menguva iyi yekupedzisira, unogona kubvisa kuhwina kwako chero kwaunoda. Vachasunungurwa pamutero wemari (kusanganisa mipiro yekuchengetedzwa kwevanhu).

Kuvharwa kwePEA makore mashanu asati asvika: Paunosarudza kuvhara yako Stock Savings Plan (PEA) isati yasvika yegore rechishanu yekuvhurwa kwayo, mibairo inogadzirwa iri pasi pemutero wemari, kuwedzera kune mipiro yekuchengetedzwa kwevanhu. Mamiriro ezvinhu aya anogona kukonzera mutero wakakwira zvichienzaniswa nePEA yakavharwa mushure memakore mashanu.

Pashure pemakore mashanu: Kamwe PEA yako yadarika iyo yemakore mashanu, mibairo yakabatsirwe kubva mubhadharo remutero. Zvisinei, mipiro yekuchengetedzwa kwevanhu inoramba ichishanda. Izvo zvakakosha kuti uzive kuti chero kubvisa kusati kwasvika makore masere ekuvhurwa kwePEA kunoguma nekuvharwa kweaccount.

Pakati pemakore 5 ne8: Kana ukasarudza kubvisa mari pakati pegore rechishanu nerechisere, mari yaunowana haibviswi pamutero wemari, asi mipiro yekuchengetedzwa kwevanhu inoramba ichishanda. Mushure memakore masere, mihoro uye mari inobviswa inosunungurwa zvachose pamutero wemari uye mipiro yekuchengetedzwa kwevanhu.

Kubvisa zvishoma kana kuzere: Iwe une rusununguko rwekubvisa chikamu kana yese capital yako uye winnings chero nguva. Kubvisa zvishoma hazvireve kukanganisa mutero wePEA, chero bedzi account isina kuvharwa.

Mamiriro chaiwo ekuregererwa kuhwina: Kuti ubatsirwe kubva pamutero wekuregererwa pamutero mushure memakore mashanu, zvakakosha kuti PEA irambe yakavhurika uye ichishanda. Kuvhara PEA pamberi pegore rechishanu kunoguma nekuwana mutero.

Kuendeswa kwePEA: Zvinogoneka kuendesa PEA yako kubva kune rimwe bhangi kuenda kune rimwe uchichengetedza zvakanakira mutero, chero uchiremekedza mimwe mitemo uye maitiro. Nyanzvi yezvemari inogona kupa zano rakanangana nemamiriro ako ezvinhu kuti uwedzere mihoro yako uchitevedzera mitemo yemutero iripo.

🌿 Ko PEA ingapfuudzwa kuvadyi venhaka yake here?

Iyo PEA inobatsira kubva kune a kutevedzana kunobatsira. ✅ Kana pakafa muridzi wayo, PEA inoendeswa otomatiki kune asara mudzimai. Anochengeta mutero wake wekutanga uye anogona kuramba achibatsirwa nawo.

Kana muridzi anga asina kuroora, iyo PEA yakavharwa uye tvakadzokera kuvadyi venhaka vakasarudzwa. Asi hapana mutero wenhaka, nekuda kwekuregererwa kwemutero wemari. Chete chete mipiro yemagariro inofanirwa.

🌿 Kuvhara

Mukupedzisa, kuisa mari mumusika wemasheya neStock Savings Plan (PEA) inopa mukana unokwezva kuwana misika yemari uchibatsirwa kubva kune zvakakosha mutero zvakanakira. Nekudaro, iyi dhizaini inoda nzira ine kufunga uye kunyatsonzwisisa maitiro ePEA.

Takaongorora kusiyana-siyana kwesarudzo dziripo, kubva kumasheya ega ega kusvika kuETFs, tichiratidza nzira dzekudyara uye njodzi dzinowanikwa. Kiyi iri mu tsananguro yezvinangwa zvekudyara zvakajeka, kusiyanisa kwepodfolio kuderedza njodzi, uye nekuchenjera kutonga kwePEA nekufamba kwenguva.

Ngatisakanganwa kukosha kwe mwoyo murefu nokuranga mukudyara. Nekuchengetedza maonero enguva refu, kugara vachitarisisa mapotifolio avo uye nekugadzirisa zvinzvimbo zvavo, mutyairi anogona kuwedzera mikana yekubudirira achitora mukana wemutero wakanakira wePEA.