Sarudzo dzekudyara muMexico Pamusoro 5!

Kune akawanda sarudzo dzekudyara iyo inogona kuunza mari uye nenjodzi inodzorwa, pano isu tichakuudza kuti ndedzipi dzakanakisa kune vanotanga.

Investment Sarudzo muMexico

Zvinoenderana nenhamba dzakaburitswa muGlobal Investor Pulse Survey yechitanhatu yepagore, 53% yevaMexico vanoda kuisa mari yavo kuita kuti mari yavo idzoke zviri nani.

Pasinei neizvi, 40% inoda kunzwisisa kuti mari yekudyara inogona kutungamira sei kune hutano simba remari.

Kune rimwe divi, 32% inoda kunzwisisa kuti mari inobatanidzwa sei muchinangwa chavo chikuru chehupfumi.

Zvinoenderana neizvi zvinonetsa, zvakakosha kuti vanhu vazvidzidzise pane izvo zvakanakisa sarudzo dzekudyara zviripo uye kuti vangabatsira sei kuwedzera mari yako.

Uye chinonyanya kukosha chekufunga ndechekuti izvi hazvikutadzise kuti usangane nemari yako yepamwedzi uye pasina kutya kurasikirwa nekudyara nekuda kwekuva vanyajambwa vechitsotsi.

Zvinokurudzirwa kuisa mari

Pese kana mumwe munhu achinetseka kuti vangatangira papi kuisa mari, CETES (Treasury Certificates) inokurudzirwa. Chikonzero chii? Zvakanaka, ingori imwe yenzira dzakachengeteka dzekudyara dziripo.

Pamusoro pezvo, inokwanisika, sezvo uchigona kuvhura account yekudyara nemari shoma ye100 pesos uye unogona kuzviita kuburikidza necetesdirecto.com peji.

Imwe yemabhenefiti ekuita investimendi muCETES ndeyekuti iwe unokwanisa kuwana mari yacho muchidimbu zvine musoro. CETES mazwi mazuva makumi maviri nemasere, mwedzi mitatu, mwedzi mitanhatu uye gore rimwe.

Zvichienderana nenguva yakasarudzwa, ichava chikamu chezvikamu zvakagamuchirwa. Muyero wekushandisa unopihwa ndeye 8.16% pagore.

Kana, semuenzaniso, iwe ukasarudza kuisa zana pesos munguva ye100 gore nechiyero che1%, pakupera kwenguva iyoyo yenguva iwe unogona kuchengetedza 8.16 pesos, hazviratidzike sezvizhinji.

Zvisinei, kana iwe ukaichengeta chete mumba mako, icharamba ichingofanana ne100 pesos papepa, asi maererano nekutenga simba, kukosha kwayo kuchaderera nekuda kwekuwedzera kwemari.

Investment mukurega basa

Zvinogona kuita senge kureba kuita mipiro yega yega kuhurongwa hwekurega basa, asi isarudzo yakanaka kwazvo yekudyara, nekuti kana mari ichiwedzera, mari yaunowana haikwane kuzadzisa zvese zvinodiwa.

Nechikonzero ichi, zvakakosha zvikuru kuti paitwe ongororo yekuti imarii inenge yawanikwa kubva mupenjeni panguva yekuenda pamudyandigere ingakwira.

Kana mari yakagamuchirwa isingakoshi, zvinokurudzirwa kuwedzera huwandu hwezvipo kune retirement fund, zvirokwazvo hauzozvidembi kuita mari yakadaro.

Simbi

Imwe shanduko yekudyara inopa kuchengetedzwa kwakawanda, isimbi dzakadai segoridhe nesirivheri, nekuti izvo zvisingadzokerikezve zviwanikwa, kukosha kwavo kunokoshesa nekufamba kwenguva.

Izvi zvinogona kukonzera purofiti yakakura munguva refu, imwe yenzira dzinonyanya kushandiswa kuisa mari mumasimbi ndeyekutenga zvakananga. Zvinokurudzirwa kuita kutenga kana kutengesa kushandisa makambani ane hunyanzvi mumabhizinesi aya.

Kunyange zvazvo simbi ichiita seyakanyanya kusimba mari, zvinofanirwa kutariswa kuti nzvimbo yakachengeteka inodiwa kuisa simbi uye kuti ine mamiriro ekuzvichengeta zviri muchimiro chakanaka.

Zviri pamusoro apa zvakakosha sezvo vaine njodzi yekurasika, kurasika kana kubiwa nyore nemunhu wese, vanogona kutokuvadzwa uye nenzira iyi mari inogona kurasika.

crowdfunding

Iyo inozivikanwa se: Collective funding, izvi zvine mukana wekukwanisa kuita mari mukugadzira makambani matsva, real estate kana kuita mari kana zvikwereti kune vechitatu mapato.

Izvi zvinogona kuwanikwa kuburikidza nedhijitari mapuratifomu, kwaunogona kutanga kudyara kubva ku5.000 pesos.

Izvo zvinofanirwa kuverengerwa kuti kana iwe uri wekutanga munyaya yekudyara, hazvikurudzirwe kutanga neichi mukana, nekuti njodzi yacho yakanyanya uye unogona kuodzwa mwoyo nekusadyara gare gare, kana ukarasikirwa nekudyara.

Ichokwadi kuti kune vanhu vakawanda vane hutsinye vari kutsvaga kubira vamwe nekuba mari dzavo. Izvo zvakakosha zvakanyanya kuti usati waisa mari mukuwanda mari, sangano rinoongororwa uye kupihwa chitupa uye kuti rinotsigirwa neNational Banking and Securities Commission (CNBV).

Real estate

Iyi nzvimbo yezvivakwa inounzwa seimwe yeakanakisa ekudyara sarudzo uye neimwe nzira yakachengeteka zvakanyanya, sezvo paine chokwadi chekuve muridzi weimba yacho kana chivakwa, uyezve ibhizimusi rine pundutso tichifunga kuti zvivakwa zvinogara zvichikosheswa nekufamba kwenguva.

Izvo zvinofanirwa kuverengerwa kuti kugamuchira mabhenefiti muindasitiri yezvivakwa, inofanirwa kutengeswa pamusoro pemutengo wemusika uye inofanirwa kutariswa kuti nguva yekupedzisa kutengesa inogona kubva pamwedzi mitanhatu kusvika pagore. Saka iwe haugone kuverenga pamari iyoyo munguva pfupi, zvichienzaniswa nedzimwe nzvimbo dzekudyara.

Kubatsira kunogona kunge kuri kuti kana yakasarudzwa nemazvo, kudzoka kweanosvika makumi matatu muzana kunogona kuwanikwa, hongu, zvese zvinoenderana nehunhu hwenzvimbo, hupfumi uye nharaunda.

Zvakanaka nguva dzose kuyeuka kuti nyika yekudyara inoda kukura uye kuti mari yese ine njodzi.

Iwe unofanirwa kuziva kuti pachagara paine mainvestimenti apo pane dzimwe nguva inobatsira uye pane imwe isingaite. Chinhu chakakosha ndechekuti kuchamhembe kunofanirwa kuramba kuchiisa mari.

Dzimwe sarudzo dzekuisa mari

Mari yekudyara

Mari yekudyara inoshanda nekuisa homwe yakajairika yevanoisa mari kuti vaise muzvinhu zvakasiyana, zvinogona kunge zviri mabhondi, migove, nezvimwe. Hutungamiri uhu hunorongwa nenyanzvi.

Parizvino kune akati wandei mari yekudyara iwe yaunokwanisa kuwana uye inogona kuitwa kuburikidza ne robo vanopa mazano, vari marobhoti vapangamazano basa ravo nderekutarisira mari yekudyara nenzira otomatiki zvichienderana neyako chimiro.

Acciones

Masheya senzira dzekudyara anonzi masecurity ayo makambani mazhinji anoita kuti awanikwe kumusika aine chinangwa chekuzvipa mari. Vanhu vanozviwana vanoitwa nedzimwe kodzero.

Maitiro ekugamuchira mibairo mumukana wekuti kambani inoburitsa inowana purofiti uye inosarudza kuigovera pakati pevagovani vayo.

Kazhinji, migove inotengeswa nekukurumidza, zvinoreva kuti investment ine yakakwira dhigirii yemvura uye, nekuwedzera, mikana mikuru yekuwana purofiti munguva yepakati uye yakareba.

Vane ngozi yakawanda, sezvo misika isingagadzikane uye inobatwa nekunze kwezvinhu zvakadai sehupfumi, zvematongerwe enyika kana zvemagariro evanhu zvine simba pakukosha kwezvikamu.

Kunyange zvazvo zvisingadikanwi kuva nehombe huru, kubhadharwa kwemakomisheni kune nyanzvi yekushanda kwega kwega kunoitwa kunofanira kufungwa. Kana iwe uchida kuzviita iwe pachako, zvinodikanwa kuve neruzivo rwakakura munzvimbo.

Mabonds

Mabhondi anonzi sezvibatiso zvezvikwereti izvo mamwe masangano ehurumende, makambani nemamwe masangano anoisa mumusika wemasheya kuti awane mari.

Vanopa muridzi wekodzero yekuwana mari yekubhadhara nguva dzose, iyo yakasimbiswa kare uye isingashanduki panguva yemabhondi.

Aya mabhondi ane mukana wakanaka wekudzoka, zvisinei kuti kudzoka kwakaderera pane iyo yemasheya, imwe pfungwa mukuda kwavo ndeyekuti hapana ruzivo rwehunyanzvi hunodiwa kuisa mari.

Kuisa mari mumabhondi kunoonekwa senjodzi yakaderera, zvisinei, nekuona zviitiko zvematambudziko emari aripo, vatengesi vanofanirwa kungwarira zvakanyanya.

Imwe yenjodzi huru murudzi urwu rwekudyara ndeiyi: mubereko, rudzi rwechikwereti, inflation uye liquidity. Pamusoro pazvo, nguva inopa chiyero chengozi ine chekuita nekuchinja kwekuita, iyo nguva yakareba, iyo yakakura njodzi uye zvinopesana.

Nguva yakatarwa

Iyi modhi ndiyo inonyanya kuzivikanwa kwese kwekudyara mari, pakati pevanhu vanotsvaga kupfuura chero chinhu chengetedzo uye nyore.

Kushanda kwaro kuri nyore kwazvo, mari inoiswa mubhangi, uyo anobhadhara chikamu chemubereko, kuvachengeta kwenguva yakati, iyo ichabhadharwa mushure menguva iyoyo.

Kana iwe uchida kuongorora dzimwe sarudzo dzekudyara iwe unogona kushanyira:  Musika wemari unoshanda sei? Hunhu!