Izibhengezo
Ukutyala imali kwiingxowa-mali zezindlu nezakhiwo (FIIs) kubonakala njengesicwangciso esinomtsalane kwabo bafuna ingeniso yenyanga, nokuba kukongeza kumhlalaphantsi okanye ukuncedisa kwiindleko zemihla ngemihla. Ii-FII zaziwa ngokunika abatyali-mali imbuyekezo yenyanga.
Umzekelo, xa utyala i-R$ 1.000 kwezona FII zikhulu eBrazil, ngokusekelwe kwindlela eziqhube ngayo kwiinyanga ezili-12 ezidlulileyo, imbuyekezo inokwahluka. I-IRDM11 inokuvelisa malunga ne-R$ 135, ngelixa i-KNCR11 inokufikelela kwi-R$ 134, ilandelwa zezinye iingxowa-mali ezifana ne-CPTS11 ne-KNIP11, ezinemivuzo ye-R$ 108 ne-R$ 104, ngokulandelelanayo.
Izibhengezo
Jonga kwakhona: Imali-mboleko etsalwa kumvuzo ye-INSS inokutshintshwa kungekudala
Amanani abonisa indlela eziqhube ngayo iingxowa-mali ezilishumi zezindlu nezakhiwo ezinexabiso elikhulu lezinto eBrazil
La manani abonisa indlela eziqhube ngayo iingxowa-mali ezilishumi zezindlu nezakhiwo ezinexabiso elikhulu lezinto eBrazil. Xa utyalo-mali lwe-R$ 1.000 lusasazwa ngokulinganayo phakathi kwezi FII, kulindeleke imbuyekezo emalunga ne-R$ 100 emva konyaka omnye, kuthathelwa ingqalelo imbuyekezo ephakathi kwizabelo zenzuzo emalunga ne-10% ngonyaka.
Eli zinga lembuyekezo linomtsalane ngakumbi xa lithelekiswa nezinye iindlela zotyalo-mali, ezifana notyalo-mali olunengeniso emiselweyo.
Uthelekiso nomvuzo osisigxina
Amaxesha amaninzi, abatyali-mali bathelekisa imbuyekezo yee-FII neenketho zotyalo-mali olunomvuzo osisigxina, njenge-CDB, LCA, LCI okanye i-Tesouro Direto. Umzekelo, utyalo-mali lwe-R$ 1.000 kwi Tesouro Selic lunokuvelisa malunga ne-R$ 101 emva konyaka omnye, sele kutsalwe iRhafu yeNgeniso.
Nangona kunjalo, olu thelekiso aluyithatheli ngqalelo i-inflation, enokunciphisa amandla okuthenga kwembuyekezo. Ngokwahlukileyo, imbuyekezo yee-FII idla ngokuhambelana ne-inflation, nto leyo ezenza zibe lukhetho olunomtsalane ngakumbi lokugcina ixabiso lotyalo-mali ekuhambeni kwexesha.
Imingcipheko enxulumene nee-FII
Utyalo-mali kwii-FII lukwabandakanya imingcipheko, njengokwehla kwemivuzo yenyanga okanye kwixabiso lesabelo. Ukunciphisa le mingcipheko, kubalulekile ukukhetha iimali ngononophelo, kuthathelwa ingqalelo izinto ezifana nokwahluka kwezakhiwo, indawo ezikuyo, imfuno kulo mmandla, inani labaqeshi kunye nobude bezivumelwano zokuqeshisa.
Njengoko kukho ngaphezu kwe-400 yee-FII ezifumanekayo eBrazil, kuyacetyiswa ukulandela uhlalutyo lweengcali ukuze kwakhiwe ipotifoliyo yeengxowa-mali zezindlu nezakhiwo ngokhuseleko.
Umfanekiso: cottonbro studio/Pexels
