Wadii kudarika 3000 euros paLivret A yako? Heino mari yakakodzera yekuchengetedza!

Wakambozvibvunza here kuti sei haufanirwe kuchengetedza kupfuura 3000 euros pane yako Livret A ? Muchikamu chino, tichaongorora kuti nei kudarika mari iyi kuchigona kukanganisa. Isu tichakurukurawo huwandu hwakakodzera hwekubata muLivret A yako. Saka, gara nesu kuti uone kuti nei zvakakosha kuwana chiyero pakati pekuchengetedza nekudyara.

Sei iyo Livret A isingapfuure 3000 Euros?

Zvinodanwa nezita rekuti " mambo wakachengeteka investments »muFrench zvemari tsika, the Kabhuku inowanzova sarudzo yekutanga kune avo vanoda kutsvaga dziviriro yemari.

Nekudaro, kushingairira kukuru kwechishandiso chekuchengetedza ichi kunofanirwa kudzikiswa nekuchengeta madhipoziti pamwero wekufananidzira we3000 euros.

Ichi chiverengero, icho chingaratidzika sechisina kurongeka pakutanga pakuona, chaizvoizvo chakanyatsorongwa. Kuseri kwezvirambidzo kune huwandu hwemhedzisiro yemutero ine chekuita nekushandiswa kweiyo Livret A.

Mhedzisiro yemutero yekuzadza Livret A yako kusvika painogumira

Runako rweLivret A rwuri muchivimbiso chayo chedziviriro kubva mukutadza kwebhangi, pamwe chete nechido chinokwezva. Pasinei neizvi, kusvika kune dome ye3000 euros pane iyi account kunogona kuve nemhedzisiro inosiririsa. Kupfuura muganhu wezviroto zve22,950 euros uye kuramba uchibhadhara mari mairi, zvinogona kukonzera kuita kwemutero kwe12% pahuwandu hwakafashukira. Pfungwa inogona kukanganisa mabhenefiti emari anonyanya kutsvakwa.

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Dzimwe nzira dzekudyara mari pasina njodzi yemutero wemutero

Zvisinei, kune dzimwe nzira dzinobatsira, pasina njodzi yezvirango zvemitero. The Sustainable and solidarity Development kabhuku (LDDS) uye chirongwa chekuchengetedza dzimba (ELP) zviridzwa zvekuchengetedza izvo zvinopa mubereko wemari yakafanana neLivret A, asi inobvumira dhipoziti yakakura.

Zvimwe zvakaoma zvemari zvigadzirwa zvakadai sematokisi kana zvisungo zvinogona kupa kudzoka kwepamusoro, pasinei nengozi uye kutonga kwemusika wezvemari unofambidzana navo.

Zano rangu ? Ita ongororo yakakwana yemamiriro ako emari usati waona kupi uye sei kuisa mari yako.

Rangarira kuti Livret A inguva pfupi yekuchengetedza mhinduro uye kuti kune dzimwe sarudzo dzekudyara kukuru, kwenguva refu.

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Ndeipi huwandu hwakakodzera kubata muLivret A?

Iyo Livret A, ichi chiFrench chigadzirwa chemari chinodiwa nevachengeti, zvirokwazvo chine runako rwayo. Kureruka kwayo, kuvimbika uye kuwanikwa kwechimbichimbi kunoita kuti ive sarudzo inosarudzika yehomwe yechimbichimbi. Nekudaro, kugona kwayo kuunza kudzoka kwakakosha kushoma, nekudaro kurudziro yekusabata inodarika 3000 euros.

Asi zvino, ndeipi iyo yakafanira yekuisa muLivret A?

Kupindura mubvunzo uyu, unofanira kutanga wafunga kuti sei uri kuchengetedza. Iyo Livret A yakagadzirirwa kuve mhinduro yenguva pfupi yekuchengetedza. Chinangwa chayo chikuru ndechekupa cushion yemari kune zvisingatarisirwi mari kana mari yekukurumidzira. Saka, sekutonga kwakawanda, chiyero chinosvika ku3000 euros chinowanzokurudzirwa. Uyu kazhinji muhoro wepamwedzi uye unofanirwa kukwana kuvhara mari idzi uye kudzivirira mubhadharo webhangi.

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Basa rekukwira kwemitengo pakusarudza mari yekuisa

Inflation, that bane of savers, inoita basa guru pakuona kuti mari ichaiswa muLivret A. Pasinei nekukwira kwemhindu yeLivret A kusvika pa2%, hazvizobudiriri kuenzanisa chiyero chinotarisirwa cheinflation. 5 kusvika 6% yegore rino.

Dzimwe nzira dzine pundutso pane Livret A

Neraki, hapana chete iyo Livret A yekuisa mari yako. Dzimwe sarudzo dzekudyara dzakaita seakaundi yekuchengetedza dzimba kana iyo inosimudzira budiriro saving account inogona kupa kudzoka kuri nani uku ichidzikamisa kurasikirwa kwesimba rekutenga nekuda kwekukwira kwemitengo.

Pakupedzisira, huwandu hwakakodzera hwekuisa muLivret A yako zvinoenderana nezvido zvako, kushivirira kwako njodzi uye zvinangwa zvako zvenguva refu zvemari. Diversification uye kuronga kwemari ndiwo mazwi akakosha ekutarisira kuchengetedza kwakanaka.

Hunhu hwekabhuku A:

• Kabhuku kamwechete pamunhu, mukuru kana mudiki. Nekudaro, kubata panguva imwe chete kwekabhuku A neBhuku reBlue zvese zvakavhurwa pamberi pe1^er Gunyana 1979 (zuva rekupinda musimba rechirevo no.^o 79-730 yaNyamavhuvhu 30, 1979 iyo yakabvisa iyi sarudzo) inoramba ichigoneka. Ichi chirevo hachina kubvunzwa nemutemo n^o 2008-776 yaNyamavhuvhu 4, 2008 pakuvandudza hupfumi. Kubva nhasi, Nyamavhuvhu 11, 2010, saka zvinokwanisika kuti vanhu vakabata kabhuku A (rakavhurwa paLa Poste kana kuti Savings Bank) uye kabhuku keBlue kakavhurwa paCrédit Mutuel kuchengeta (pasina kuaendesa) mabhukwana maviri aya.
• Mari shoma pakuvhurwa: €10 (€1,5 yebhukwana kuLa Banque Postale)
• Kubhadhara kwemwedzi: haishande (yemahara kubhadhara),
• Kubhadhara uye kubvisa: muna 2021 mutemo wekare, usingateveri wakaunzwa kusvika pari zvino, kubhadhara uye kubvisa zvino kunofanirwa kuenda kuburikidza neakaundi yekutarisa yeanobata akavhurwa mune imwecheteyo. Naizvozvo hazvichagoneki kuita kuendesa zvakananga pakati peakaundi yako yekuchengetera uye fortiori vamwe vanobata (LA, LDDS, LEP, nezvimwewo) kana kuita kuendesa zvakananga kubva kana kudiwa kweakaundi yekutarisa mune imwe nzvimbo kunyangwe iri yakavhurwa muzita rechibatiso chimwe chete. Nekuda kweizvozvo, kune bhizinesi rakaita seLa Banque Postale, kubhadhara uye kubvisa kuLivret A nekuchinjisa hakuchina mahara sezvo muridzi weLivret achifanirwa kuve neakaundi yekutarisa kuLa Banque Postale zvichienderana nemari inosungirwa yekota.

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Kuongororwa kwedzimwe nzira dzeLivret A

Zviripachena izvozvo Bhuku A inoratidza kuva sarudzo inoyevedza yekuchengetedza nekuda kwekureruka kwayo uye kuchengeteka. Zvisineyi, kune avo vane mari yekuchengeta iri pamusoro pe3000 euros, zvingave zvine hungwaru kufunga dzimwe nzira dzinogona kuita pundutso zvakanyanya uchitarisa kuchengetedzwa.

Iyo Kumba Savings Account (CHINANGWA), semuenzaniso, isarudzo inoshanda. Kunyangwe mubereko wayo ungave wakadzikira pane weLivret A, inopa mamwe mabhenefiti akadai semukana wekuwana chikwereti chezvivakwa pamutengo wakasarudzika mushure menguva shoma yekuchengetedza. Pamusoro pezvo, mubereko weakaundi iyi haubviswe pamitero kusvika gore rayo rechisere, iro rakareba kupfuura reLivret A.

Kana Sustainable and Solidarity Development Booklet (LDDS), inonangana nekutsigira mapurojekiti akasimba kana ekubatana. Iine sirin'i ye12,000 euros uye chiyero chemubereko chakafanana neicho cheLivret A, isarudzo inokwezva kune avo vari kutsvaga kuisa mari yavo vachitsigira ecology uye kubatana zvinokonzeresa.

Kune zvakare zvimwe zvigadziriso zvemari zvinopa kudzoka kwepamusoro kwekuchengetedza pamusoro pe3000 euros, kusanganisira zvibvumirano zveinishuwarenzi yehupenyu, equity investment funds, kana mabhondi. Nekudaro, idzi sarudzo dzinosanganisira yakakwira mwero wenjodzi uye inoda imwe ruzivo rwemisika yemari.

Chekupedzisira, zvakakosha kuti titarise hunhu hwemunhu kuti usarudze nzira yekuchengetedza yakanyatsokodzera. Chakakosha kusamboisa mazai ako ese mubhasiketi rimwe chete, kureva kuti, kusiyanisa mari yako kuti uchengetedze mari yako.

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