Zotsatsa
Mega-Sena ndi imodzi mwa lotale zotchuka kwambiri ku Brazil, ndipo mphotho yake ingasinthe moyo wa munthu aliyense. Posachedwapa, ndalama zomwe zasonkhanitsidwa zinafika pa R$ 37 miliyoni zochititsa chidwi.
Koma chomwe anthu ambiri akufuna kudziwa ndi ichi: ndalama zimenezi zingapereke ndalama zingati zikayikidwa mu akaunti yosungira?
Zotsatsa
Kuthekera kwa Phindu la Akaunti Yosungira
Akaunti yosungira ndalama ndi njira yachikhalidwe kwambiri komanso yopezeka mosavuta ku Brazil. Ngakhale kuti si njira yopindulitsa kwambiri, chitetezo chake ndi kuphweka kwake zikupitiriza kukopa osunga ndalama ambiri, makamaka amene amapambana mphotho zazikulu za lotale ndipo amakonda kupewa zoopsa.
Pakali pano, akaunti yosungira imapereka pafupifupi 0,5% pamwezi kuphatikiza ndi Taxa Referencial (TR). M’mikhalidwe ya zachuma panopa, TR ili pa ziro, zomwe zimapangitsa kuwerengera kukhala kosavuta. Choncho, tingaganizire phindu la 0,5% pamwezi.
Kuwerengera Phindu la Mwezi ndi Mwezi
Kuti timvetse momwe phindu limakhudzira akaunti yosungira, tiyeni tiwerengere ndalama zimene R$ 37 miliyoni zingapereke mwezi umodzi.
Choyamba, timachulukitsa ndalama zazikulu ndi chiŵerengero cha phindu la mwezi ndi mwezi:
[ Phindu \, la \, Mwezi = R\$ 37.000.000 \times 0,005 ]
[ Phindu \, la \, Mwezi = R\$ 185.000 ]
Izi zikutanthauza kuti, kumapeto kwa mwezi, mphotho ya R$ 37 miliyoni yosungidwa mu akaunti yosungira ndalama ingapereke phindu la R$ 185 zikwi.
Zosonkhanitsidwa Pachaka
Ngakhale phindu la mwezi likuwoneka losangalatsa kwambiri, zotsatira zake zimakhala zazikulu kwambiri tikaganizira zosonkhanitsidwa kwa chaka chonse. Kuti tiwerengere phindu la pachaka, tiyenera kuchulukitsa phindu la mwezi ndi 12.
[ Phindu \, Pachaka = R\$ 185.000 \times 12 ]
[ Phindu \, Pachaka = R\$ 2.220.000 ]
Choncho, m’chaka chimodzi, ndalama za R$ 37 miliyoni zosungidwa mu akaunti yosungira ndalama zingapereke phindu la R$ 2,22 miliyoni, zomwe ndi zokwanira kupereka ndalama zopezera moyo wabwino kwambiri.
Mega-Sena: Kuyerekezera ndi Ndalama Zina Zoyikidwa
Ngakhale phindu la akaunti yosungira ndalama ndi lotsimikizika komanso lopanda ziwopsezo zazikulu, limakhala lochepa poyerekezera ndi mitundu ina ya ndalama zoyikidwa.
Mwachitsanzo, ndalama zoyikidwa mu ma bond a Tesouro Direto, ma CDB (Zikalata za Dipoziti ya Banki), kapena ngakhale mafundisi oyika ndalama, nthawi zambiri zimapereka phindu lalikulu, ngakhale zimabwera ndi ziwopsezo zazikulu.
Akaunti Yosungira Ndalama vs. Kukwera kwa Mitengo
Mfundo ina yofunika kwambiri kuganizira ndi kukwera kwa mitengo. Ngati kukwera kwa mitengo pachaka kupitirira chiwongola dzanja cha ndalama zosungidwa, kudzachepetsa mphamvu yogulira ya ndalama zomwe mwapeza.
M’zaka zaposachedwa, kukwera kwa mitengo ku Brazil kwasintha, koma nthawi zina kumaposa chiwongola dzanja cha ndalama zosungidwa, zomwe zingayambitse kutayika kwenikweni kwa mphamvu yogulira.
Zotsatsa
Mega-Sena: ndalama zosungidwa
Kusunga mphotho ya R$ 37 miliyoni ya Mega-Sena mu akaunti yosungira ndalama ndi njira yotetezeka komanso yosavuta, makamaka kwa anthu omwe safuna kuda nkhawa ndi ziwopsezo kapena zovuta za ndalama zina.
Komabe, ndikofunikira kuwunika momwe chuma chilili ndikuganizira njira zina zoikamo ndalama zomwe zingapereke phindu lalikulu, posunga komanso mwina kuwonjezera mphamvu yogulira pakapita nthawi.
Ngakhale mutasankha chiyani, ndikofunikira kupeza upangiri wabwino wa zachuma. Mwanjira imeneyi, mumaonetsetsa kuti ndalama zimenezi ziziyendetsedwa bwino ndipo zithandizira tsogolo lolimba komanso lamtendere la zachuma.
Chithunzi: Kubwerezedwanso/Intaneti.
