Imfuno aggregate kunye nezinto ezichaphazela ngayo

imfuno aggregate idibanisa zonke inkcitho kwabathengi kwiimpahla neenkonzo eziveliswe kuqoqosho.

Esi salathisi kuquka amacandelo alandelayo:

- kwemfuno yeempahla kunye neenkonzo yabathengi;

- imfuno yokunikezelwa kweenkonzo kunye neemveliso, ezinikwa ngurhulumente;

- imfuno iimveliso zotyalo-mali;

- i imfuno yempahla - umahluko phakathi kwexabiso iimpahla yathengwa abasemzini abo sifumane abasebenzisi basekhaya.

Makhe siqwalasele oko imfuno aggregate yaye izinto ezibonakalisa oko. Okokuqala lwalugxile imali imibandela yemveliso osetyenzisiweyo kuchaphazela amaxabiso.

1. Ifuthe izinga lenzala - amaxabiso kuba nefuthe kumthamo kwemveliso ngokusebenzisa izinga lenzala. Ukunyuka kwamaxabiso impahla kukhokelela kwinto yokuba abantu bazama ukwandisa nokuphuma zazo imali. Oko kukuthi, oko kwandisa imfuno imali. Kodwa ukuba iingeniso hayi ezikhulayo liyahambelana, oku kunciphisa ubungakanani inkcitho mali yabathengi.
2. Isiphumo imali eyintsalela okanye ubutyebi - kunefuthe ngokuyintloko ekuthengeni. Umzekelo, ixabiso kwandisa kukho ukuhla kokuthenga ngamandla, imali ngokuthe depreciate. I-asethi waqokelela zemali abemi, ingakumbi, bonds, iidiphozithi elide, njl, kuba asezantsi kakhulu kunokuba ekuqaleni. Abantu baphela ukufumana wanzonza uwagcine imali ekhaya.
3. ukungenisa ukusebenza yokuthenga - ifuthe nexabiso kwamanye amazwe. Ngenxa yokunyuka kwamaxabiso uyakhula kwemfuno iimpahla kumazwe angaphandle kunye kunciphisa zasekhaya.

Kodwa hayi kuphela iindleko iimveliso kunye neenkonzo ukuba ixhomekeke ekuthengeni. izinto-ixabiso Non yemfuno aggregate ohlukahlukeneyo. Zahlula-hlulwe ngokwamaqela ukuya kwezo zinto kunempembelelo.

1. Iimeko ezichaphazela ukusetyenziswa kwemveliso ngabaninimzi.

- Kwiqula-ntle abathengi - abantu bachithe imali yabo, ngokuxhomekeke ixabiso le-asethi baya kulidla ilifa (real estate, bonds, isitokhwe). Ngoko ukwehla okukhulu amaxabiso zabo kukhokelela kwinto yokuba abantu baqalisa ukuba achithe ngaphantsi uze ugcine ngakumbi.

- kwabathengi okulindelwe - zixhomekeke kuqikelelo zabantu. Ukuba bakholelwa ukuba kwixa elizayo uya kuba ukwanda kumvuzo lenene, neemfuno ezipheleleyo zonke iimveliso uyakhula. Kwaye, oko, phezu koko, kucingwa kwentlekele kwezoqoqosho kukhokelela kwinto yokuba abantu baqalisa ukuqokelela imali.

- Urhwebo ezifunyanwayo - ukuba abantu babe inani elikhulu mboleko, izavenge kwi ekuthengeni ezidlulileyo, imfuno zizonke kabukhali lifinyele.

- Taxation - ngesaphulelo yerhafu yengeniso kukhokelela kukuba abantu baya kuba imali yokuthenga iimpahla.

izinto 2.-ixabiso Non ezibangela utshintsho kwi iindleko zotyalo-mali.

- Amazinga enzala - xa bekhulisa ukwehliswa mali. Ngokomzekelo, cinga ukwehliswa umthamo ubonelelo ngemali. Phantsi impembelelo kulo mba kwandisa izinga lenzala, iidiphozithi ziyancipha.

- Bekulindeleke imbuyekezo yotyalo - ukunyuka kweemfuno aggregate kunye kuqikellelo nethemba.

- Iirhafu ezihlawulwa ngamashishini - ekukhuleni zawo imali mveliso abakulungeleyo ukuchitha kunye nabasebenzi babo.

- Technology in ekuveliseni - nayiphi na inguqu igalelo yokuba inkampani ukulungele ukutyala ngaphezulu.

3. Izinto ezinxulumene notshintsho kwinkcitho karhulumente. Ukuba urhulumente uza ukulahla iimveliso yesizwe Buy, kuya kwandisa imfuno aggregate kweli lizwe.

4. izinto Non-ixabiso ezikhokelela utshintsho net ezithunyelwa zokuthenga.

- ingeniso National kumazwe angaphandle - kunye ukunyuka yayo kukho kungenzeka ukuba imfuno kweli lizwe kulindeleke ukuba ikhule kwamanye amazwe.

- rate Exchange - ukhetho yabathengi impembelelo. Abantu isigqibo iimveliso ukuthenga: amazwe okanye lwasekhaya.

Ngenxa yoko, inani elikhulu izinto rhoqo nefuthe kwimfuno lamntu.