Nigute Do The Rich Cope With Inflation?
20/8/2022
Natunguwe no kumva inshuti yanjye ishaje Tom avuga kubyerekeye imitungo itimukanwa roller-coaster uburambe.
Tom yatangiye ubuzima bwe mu mwaka wa 2011. Bitandukanye nanjye, yatangiye gushora imari mu mutungo utimukanwa kuva mu 2014. Usibye amafaranga yakoresheje buri munsi, amafaranga asigaye ashora ku isoko ry’imitungo itimukanwa.
Hejuru y'ibyo, ndetse yatije amafaranga ku baguriza batandukanye kugira ngo agure amazu.Umwaka wa 2017, birashoboka ko yari afite imitungo itanu cyangwa itandatu mu ntoki.
Tom yerekanye amakuru arambuye yinjiza ishoramari buri mwaka aturuka ahantu habiri:
Amafaranga yimitungo ikodeshwa.
Kugurisha imitungo ifashwe kumwaka umwe cyangwa ibiri, ibyagarutse bigera hafi 10% cyangwa rimwe na rimwe birenze.
Umwuga nk'uwo uhembwa cyane bituma asezera ku kazi muri Werurwe 2017 maze aba nyir'igihe cyose nyuma yibyo.
Kugeza ubu, amafaranga yinjira mu bukode buri mwaka arashobora kugera ku bihumbi ijana by'amadolari;hiyongereyeho, uko igiciro cyinzu kizamuka, agaciro k'umutungo w'ishoramari kiyongera cyane.
Mubyukuri, isoko ryimitungo ryabaye gahunda "ishoramari rikwiye" kubashoramari kwisi kuva 1990.Abashoramari bashora imari mu mutungo utimukanwa, ntabwo barwanya gusa ifaranga, bazigama imisoro, ahubwo banakoresha neza.Ishoramari ku isoko ryumutungo rirashobora gufasha abashoramari kubona amafaranga ahamye mumyaka mike, birashobora kandi gufasha abashoramari kugera kumitungo itera imbere mugihe kizaza.
Hamwe ninjiza ihamye yubukode buva mumitungo yishoramari kandi umutungo ubwawo agaciro kiyongera mugihe.Umutungo utimukanwa wagaragaye nk'uruzitiro rwiza rwo kurwanya ifaranga.
Dukurikije amakuru y’amateka, usibye ikibazo cy’inguzanyo zidasanzwe mu 2007, igiciro cy’isoko ryimitungo nticyigeze kigabanuka.Kuva mu 1992 kugeza 2021, ibiciro byumutungo byazamutse ku kigereranyo cya 4% ku mwaka, hafi buri gihe ugereranije n’igipimo cy’umwaka cy’ifaranga mu gihe kimwe.
Inkomoko y'Ikigo gishinzwe imari y’imiturire.
Abashoramari barashobora kubona inyungu nyinshi bakoresheje amafaranga make.
Urugero:
Niba umushoramari ashaka kugura imigabane hamwe namafaranga 500.000, agomba gushiramo $ 500,000.
Ariko niba umushoramari aguze umutungo wa $ 500,000, ashobora gukenera gushyira 200.000 $ kumasoko agategereza ko igiciro cyinzu kizamuka kigera ku 500.000.
Kurugero: kugura imigabane 500.000 $, mubisanzwe ugomba gushiramo $ 500,000. Ariko niba uguze umutungo wa $ 500,000, ushobora gushyiramo 200.000 $ ugategereza ko ishoramari ryiyongera kugeza 500.000.
Byongeye kandi, isoko ryubukode rikomeje guhura n’iterambere ritigeze ribaho, hamwe n’ibice 700.000 byakodeshwaga kuva mu gihembwe cya mbere cya 2021 kugeza mu gihembwe cya mbere cya 2022, bikubye inshuro zirenga ebyiri ugereranyije n’imyaka itanu ishize.
Muri rusange, igiciro cyubukode kizamuka niba umukode ashaka kongera ubukode.Amafaranga yimitungo itimukanwa rero akunda kwiyongera byihuse mubidukikije.
Inkomoko yahttps://wallstreetcn.com/
Amakuru aheruka gutangwa n’ishami ry’umurimo yerekanye ko igipimo cy’ibiciro by’umuguzi cyazamutseho 8.5% muri Nyakanga kuva mu mwaka wabanjirije umwaka, kikaba kiri hejuru y’imyaka hafi ine, kandi n’ifaranga ryinshi rikaba ritera guta agaciro umutungo wabitswe.
Niba hari uburyo ubwo aribwo bwose bwo gushora imari murwego rwo guta agaciro kwinshi, igisubizo kigomba kuguza byinshi muri banki.Abashoramari b'abanyabwenge bagomba kwiga uburyo bwo kuguza byinshi kugirango bashore imari.
Mubyukuri, iyo igipimo cyifaranga kingana nigiciro cyawe cyo kuguza, ni nko kuguza amafaranga kubusa;niba igipimo cy’ifaranga kiri hejuru yikiguzi cyo kuguza, noneho amabanki na leta bakwishyura amafaranga yinyongera.
Nigute ushobora kuguza amafaranga menshi muri banki ku nyungu ikwiye mubushobozi bwubukungu?Icyangombwa ni ugushora imari kumasoko atimukanwa!Uratekereza ko kugura umutungo ufite amafaranga yose bizaba inzira nziza yo kurwanya ifaranga cyane cyane ko ifaranga rikoreshwa kuri 8% vuba aha?
Niba ufite amafaranga 500.000 $ kandi ukayakoresha mugura umutungo wa $ 500,000, ukeka ko umutungo waguzwe $ 600,000 nyuma yimyaka 5, noneho igipimo cyimyaka 5 yo kugaruka kizaba 20% (Mubihe byiza).Ariko, kwiyongera kwamadorari 100.000 ntibishobora guhura nigipimo cy’ifaranga.
Ariko niba uguza amafaranga muri banki, urashobora gukoresha $ 500,000 kugirango ugure imitungo ibiri watewe inkunga nyuma yimyaka 5, uzabona imitungo ibiri ifite agaciro ka $ 1.2M.Noneho igihe cyawe cyimyaka 5 gishobora kugera kuri 140% {($ 1,200,000- $ 500,000) / $ 500,000 = 140%, Mubihe byiza kandi ukeka ko amafaranga yubukode ava munzu aruta ayo gukoresha imyenda}!
Hejuru yingero zerekana ko atari umutungo utimukanwa waguze ushobora kugufasha rwose kurwanya ifaranga;ni umwenda wo murwego rwohejuru wateye inkunga urashobora rwose kugufasha kurwanya ifaranga no kuzamura ubutunzi bwawe.
Dufite inkuru nziza kubashoramari bose batimukanwa, gahunda yacu nshya: Nta Doc, Nta nguzanyo!Igipimo cyinyungu kiri hasi ya 6.25%!
Imyaka 4 gusa P&I ibigega birakenewe!Inzira idasanzwe yinguzanyo izagufasha gutsinda inflation byoroshye!
Muri make, kumenya kuguza amafaranga bizagufasha kubona amafaranga menshi!
Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS;amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya.Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda.Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo.Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo.Shora ukurikije ingaruka zawe.
Igihe cyo kohereza: Kanama-20-2022