ukufumaneka
- Ngaphambi kweminyaka emi-5, zonke yokuyeka , nokuba yinxalenye, isiphumo sokuvalwa kwe IPAA (ngaphandle koMthetho waseDutreil, ingozi yobomi, ukupheliswa kwenkundla)
- Emva kweminyaka emi-5, ukuhoxiswa kwemali kunokwenzeka ngaphandle kokuvalwa kokuvalwa IPAA , kwaye iintlawulo ezintsha zigunyazisiwe.
Ngaphezu koko, yintoni imbuyekezo ye-PEA? i isivuno si ibalwa ukusuka kwizabelo ezifunyenweyo ngonyaka ngamnye xa kuthelekiswa nesixa sisonke semali ekhoyo. i Yima kancinci iindlela ze IPAA ngoku ihla inyuka phakathi kwe-3 kunye ne-7% kodwa inokuba ngaphantsi okanye ngaphezu kolu luhlu. Ngaloo ndlela, ngakumbi IPAA ungumnikazi wezabelo zezabelo kwaye kokukhona kuya kuba nenzuzo ngakumbi.
Ndilubeka njani umyalelo wentengiso yezabelo zeSociete Generale? Nge-Intanethi: ugqithisa eyakho imiyalelo kwiiSicavs ezininzi kunye neeFCPs ezithengiswe ngu I-Societe Generale. Kwi-Intanethi, unokufikelela: ulwazi Jikelele kwiintshukumo zangoku zeshishini ezichaphazela ipotfoliyo yezibambiso (uhlobo lwentshukumo yeshishini, umhla wokuqalisa wokusebenza) ukusuka kwicandelo elithi "iiakhawunti zokhuseleko".
Sisebenza njani isicwangciso sokulondoloza imali? THE IPAA okanye isicwangciso sokonga isitokhwe senziwa yi-akhawunti ngemali kunye nenye kwizibambiso. Eyokuqala isondliwa ngeentlawulo kwaye isetyenziselwa ukufumana izibambiso ezenza iakhawunti yesibini. Eyona nzuzo iphambili yokuba ne IPAA lukhululo kwirhafu.
Ke, ungayikhupha njani imali kwi-PEA? THE yokuyeka inxalenye yenziwa ngokuthe ngqo kwiSithuba soMthengi wakho, kuba oku kuya kwakho IPAA emva koko kwindawo ethi "Ukurhoxiswa". Nceda uqaphele ukuba ukufikelela kule nkonzo, yakho IPAA kufuneka ube ngaphezulu kweminyaka emi-5 ubudala. Ngokuba konke yokuyeka phambi kweminyaka emi-5 yobunini ngokuyimfuneko kukhokelela ekuvalweni kwesicwangciso.
Uyifumana njani imali kwiPEA?
Ukususa imali yeakhawunti yakho IPAA ou IPAA-SME, kufuneka ugcwalise ifomu yesicelo sokurhoxa imali : Ungasithumela ke isicelo sakho: Nge-imeyile, njenge-attachment, ukusuka kwicandelo elithi "Qhagamshelana nathi" loFikelelo lomThengi wakho.
Ndingatsala imali kwiPEA yam? Unako ngokwenene rhoxisa imali yakho IPAA nangaliphi na ixesha, kodwa yazi ukuba yonke into yokuyeka yenzeka phambi konyaka wesihlanu IPAA iziphumo aziphelelanga ekuvaleni kwayo kuphela, kodwa nakwirhafu engamkelekanga kangako kunasemva konyaka wesi-5 wokuvalelwa.
Ndingayikhupha nini imali yePEA? i yokuyeka ngokuyinxenye kwenzeka emva kweminyaka emi-5: ayikhokelela ekuvalweni, kwaye ivumela iintlawulo ukuba ziqhubeke kwesi sicwangciso, inzuzo efunyenweyo ihleli ikhululiwe kwirhafu yengeniso kwaye ixhomekeke kwiminikelo yokhuseleko loluntu (PS).
Ingavulwa nini iPEA?
Ngaphambi kweminyaka eyi-5, nayiphi na ukurhoxiswa kungaba khokelela ekuvaleni okuzenzekelayo kweyakho IPAA phantsi kweemeko ezibonelelwe ngumthetho. Emva kweminyaka emi-5, nangona kunjalo, unokwenza ukurhoxisa ngokuyinxenye kwisicwangciso sakho, ngaphandle kokulahlekelwa yinzuzo yerhafu edityaniswe kuso.
Yintoni i-akhawunti ye-PEA liquidity? i IPAA(1) yimvulophu yerhafu eyenziwe a compte izihloko ezinxulumene ne compte imali ukuvumela utshintsho lwemali. Iidebhithi ezihambelana nokuthengwa kwezibambiso zenziwa kwi- compte iintlobo ze IPAA. le compte iintlobo ze IPAA akanakuba netyala kwaye akanako ukuthwala inzala.
Kutheni ugcina i-PEA?
Kushiyeke irhafu yengeniso ekufuneka ihlawulwe ngenzuzo enkulu ye IPAA : ukukhululwa kwirhafu yengeniso kwi-dividends kunye ne-capital gains ukuba ikhontrakthi igcinwe ubuncinane iminyaka emi-5! Umzekelo: Ndityale i-5 ye-euro kwaye ngenxa yokhetho oluhle lwemidiya, ikhontrakthi yanda kwiminyaka emihlanu kwaye yenyuka ukuya kwi-000 ye-euro.
Yintoni inzuzo ye-PEA? I-PEA ivumela abatyali-zimali ukuba batyale imali kwimarike yezabelo kwaye bazuze kwintsebenzo enomtsalane ngakumbi le izabelo zexesha elide, le konke ngaphakathi kwesakhelo serhafu esikhethekileyo ukusukela, ngaphaya kweminyaka emi-5 yokuvalelwa, iinzuzo sont ikhululiwe kwirhafu kodwa iminikelo yokhuseleko loluntu ihleli...
Iyintoni inzuzo yokuba nePEA?
Le IPAA ivumela abatyali-zimali ukuba batyale imali kwimarike yezabelo kwaye ngaloo ndlela bazuze kwintsebenzo enomtsalane yexesha elide yezabelo, zonke zingaphakathi kwesakhelo serhafu esikhethekileyo ukusukela, ngaphaya kweminyaka emi-5 yobunini, iinzuzo. sont ikhululiwe kwirhafu kodwa iminikelo yokhuseleko loluntu ihleli...
Ithini irhafu yokurhoxa kwi-PEA ngaphambi kweminyaka emi-2?
KuyintoEst isihlomelo seSenethi ukuba Est kwimvelaphi yomlinganiselo: ngoku, ngexesha a ukurhoxiswa kwangaphambili 5 yamaSidon isicwangciso sokugcina isitokhwe (IPAA ou IPAA-PME) impumelelo iya kutsalwa irhafu kwiSingle Flat-rate Deduction (PFU) ye-30%.
Yintoni imingcipheko ye-PEA? Izithuthi zotyalo-mali ezisetyenziswa njengezinto ezisisiseko a Ii-AEPs zi ke ngoko evezwe kakhulu kwi umngcipheko izabelo zamashishini ezingenanzala emisiweyo, okuthetha ukwamkela inqanaba eliphezulu lokuguquguquka, kunye a kwiisms ilahleko enkulu.
Yintoni iCredit Agricole PEA? I-Saving in Action Plan Est yenziwe yi-akhawunti yesibambiso kunye ne-akhawunti yemali ehambelana enye kwenye. Iintlawulo zingena kwi-akhawunti yemali apho izibambiso ziya kuthengwa khona. Izibambiso zibhaliswe kwi-akhawunti ye-securities.
Yintoni ibhanki yokonga iPEA?
Isicwangciso se'Iyagcina ngezabelo (IPAA) Isisombululo seukonga kwixesha eliphakathi/elide lokutyala imali kwimarike yemasheya kwisakhelo serhafu esinenzuzo (ngokwemiqathango yerhafu esebenzayo).
Yintoni iakhawunti yemali? VS'Est le compte ukuba umtyali-mali unokuxhasa ngemali nge-interbank transfer okanye ngetshekhi, ekuya kuthi kuzo kutsalwe iimali eziyimfuneko ekuhlawuleni ii-odolo zokuthenga.
Uyisebenzisa njani ngokufanelekileyo i-PEA?
Ngokomthetho wePacte, kwi IPAA igcina izibonelelo zayo zerhafu, awukwazi ukwenza ukurhoxisa iminyaka emihlanu kwintlawulo yokuqala. Ewe, nayiphi na inxalenye okanye ukurhoxiswa ngokupheleleyo phambi kweminyaka emi-5 kuya kukhokelela ekuvalweni kwakho IPAA kwaye uya kuba phantsi kwerhafu iyonke 30% kwi lokuwina.
Yeyiphi eyona ndlela yokukhulisa imali yakho? Uyikhulisa njani imali yakho ?
- Imarike yemasheya (kunye norhwebo)
- Yenza imali yakho ikhule kunye nezindlu ezirentwayo.
- Utyalo-mali kwii-SCPIs (iinkampani zotyalo-mali lwezindlu zokuhlala)
- I-inshurensi yobomi, i-PEL, ezinye iimveliso zebhanki: ilungile ngokwenene?
Itsalwa nini iminikelo yokhuseleko loluntu kwiPEA?
Le IPAA ayirhafi ukusuka kwiminyaka emi-5 yobunini. Emva kweminyaka emi-5 Est kunokwenzeka ukuba uthathe umhlalaphantsi ongahlawulelwa rhafu. Nokuba yeyiphi na iminyaka edlulileyo ukususela ekubhaliseni, i iirhafu zentlalo zi zabo iqokelelwe ngexesha lokuphuma ngalunye.
Uyihlawula nini iminikelo ye-PEA yokhuseleko loluntu? Kuyo yonke into IPAA ivuliwe ukususela nge-1 kaJanuwari 2018, i iminikelo yoluntu ngexabiso elipheleleyo, ngexabiso elisebenzayo ngexesha lokurhoxiswa okanye lokuvala.
Lingakanani ixesha le-PEA?
Umnini we-a I-AEP i simahla ukutsalwa kunye nokufaka imali ngamaxesha amaninzi njengoko enqwenela kanye ubude iminyaka emi-5 igqithiwe.
Iyintoni inzuzo yokuba nePEA? A IPAA yenza ukuba kwenzeke ukutyalomali ngokuthe ngqo kwi-equities, akunjalo nakwezinye ii-inshurensi zexesha elide ezifana nezivumelwano zomshuwalense wobomi. Enye inzuzo: ngaphandle kwayo nayiphi na imirhumo yogcino okanye umrhumo wokulungisa i-akhawunti, umnini akangeni ntlawulo yongezelelweyo IPAA nkqu.
Yintoni isilingi ye-PEA?
Le IPAA ibhanki ikuvumela ukuba ufumane ipotfoliyo yezabelo kwiinkampani zaseYurophu ngelixa uzuza, phantsi kweemeko ezithile, ekukhululweni kwirhafu. i plafond intlawulo Est Ye- $ 150.
Zithini iindleko zokuvula iPEA kwiCredit Agricole?
Iindleko zeCredit Agricole PEA
Tyala Store Initial | Ngqo Stock Exchange | |
---|---|---|
Umyalelo de 5000 € | 25,00 € | 4,50 € |
Umyalelo de 7500 € | 37,50 € | 6,75 € |
Umyalelo de 10 000 € | 50,00 € | 9,00 € |
Iindleko unogada | €24 + €4,20 ngomgca galela zonke i-UCITS ngaphandle Crédit Agricole | akukho |
• Ngomhla we-17 kuDisemba. 2021