ukutholakala
- Ngaphambi kweminyaka emi-5, konke ukuhoxiswa , noma ngokwengxenye, kubangela ukuvalwa kwe PEA (ngaphandle koMthetho waseDutreil, ingozi yokuphila, ukuqedwa kwenkantolo)
- Ngemuva kweminyaka emi-5, ukuhoxiswa kwemali kungenzeka ngaphandle kokuvalwa kwe- PEA , futhi izinkokhelo ezintsha zigunyaziwe.
Ngaphezu kwalokho, yini ukubuya kwe-PEA? i isivuno si ibalwa kusukela kuzabelo ezitholwa unyaka ngamunye uma kuqhathaniswa nesamba senani lemali ebanjwayo. i isivuno izindlela ze- PEA okwamanje ishintshashintsha phakathi kuka-3 no-7% kodwa ingase ibe ngaphansi noma ngaphezu kwalolu banga. Ngakho, kuningi PEA ungumnikazi wezabelo zezabelo futhi kuzoba nenzuzo enkulu.
Ngilifaka kanjani i-oda lemakethe yamasheya ye-Societe Generale? Nge-inthanethi: ukudlulisa eyakho Ama-oda kuma-Sicav amaningi nama-FCP adayiswa ngu I-Societe Generale. Ku-inthanethi, ungafinyelela: ulwazi Jikelele ezenzweni zamanje zenkampani ezithinta iphothifoliyo yakho yezibambiso (uhlobo lwesenzo sebhizinisi, idethi yokuqala yokusebenza) kusukela kusigaba "sama-akhawunti wokuvikeleka".
Ngabe uhlelo lokonga lusebenza kanjani? THE PEA noma icebo lokonga isitoko lakhiwa yi-akhawunti eyikheshi nenye emasheya. Eyokuqala inikezwa izinkokhelo bese isetshenziselwa ukuthola izibambiso ezakha i-akhawunti yesibili. Inzuzo enkulu yokuba ne- PEA ukukhululwa enteleni.
Ngakho-ke, ungayikhipha kanjani imali ku-PEA? THE ukuhoxiswa ingxenye yenziwa ngokuqondile endaweni yakho yekhasimende, ukuze lokhu kuya kweyakho PEA bese kuba sengxenyeni ethi “Ukuhoxa”. Sicela uqaphele ukuthi ukufinyelela le sevisi, yakho PEA kufanele ibe ngaphezu kweminyaka emi-5. Ngoba konke ukuhoxiswa ngaphambi kweminyaka emi-5 yobunikazi kuholela ekuvalweni kohlelo.
Ungayithola kanjani imali ku-PEA?
Ukuze ususe ukheshi ye-akhawunti yakho PEA ou PEA-SME, kufanele ugcwalise ifomu lesicelo sokuhoxa ukheshi : Ungabese usithumelela isicelo sakho: Nge-imeyili, njengesinamathiseli, kusukela esigabeni esithi “Thintana nathi” Sokufinyelela Kwekhasimende.
Ngingakwazi ukukhipha imali ku-PEA yami? Ungakwazi empeleni khipha imali wakho PEA nganoma yisiphi isikhathi, kodwa yazi ukuthi konke ukuhoxiswa kwenzeka ngaphambi konyaka wesihlanu we- PEA akuphumeleli nje kuphela ekuvaleni kwayo, kodwa futhi nasekukhokhisweni intela engathandeki kunangemva konyaka wesi-5 wokuboshwa.
Ngingayikhipha nini imali ye-PEA? i ukuhoxiswa ingxenye ingenzeka ngemva kweminyaka emi-5: ayiholeli ekuvaleni, futhi ivumela izinkokhelo ukuthi ziqhubeke kulolu hlelo, inzuzo etholakele ihlala ingakhokhiswa intela yeholo futhi ingaphansi kweminikelo yokuvikeleka komphakathi (PS).
Ingavulwa nini i-PEA?
Ngaphambi kweminyaka engu-5, noma yikuphi ukuhoxiswa unga kuholela ekuvaleni okuzenzakalelayo kweyakho PEA ngaphansi kwezimo ezihlinzekwe ngumthetho. Nokho, ngemva kweminyaka emi-5 ungakwazi ukuhoxisa ingxenye ethile ohlelweni lwakho, ngaphandle kokulahlekelwa yinzuzo yentela exhunywe kulo.
Iyini i-akhawunti ye-PEA liquidity? i PEA(1) iyimvilophu yentela eyakhiwe a compte izihloko ezihlobene compte ukheshi ukuze uvumele ukushintshwa kwezimali. Izimali ezidonswayo ezihambisana nokuthengwa kwezibambiso zenziwa ku- compte izinhlobo ze PEA. the compte izinhlobo ze PEA angeke abe yisikweletu futhi angakwazi ukuthwala inzalo.
Kungani ugcine i-PEA?
Kusele intela yeholo okumele ikhokhwe ngenzuzo enkulu ye PEA : ukukhululwa enteleni yemali engenayo kumadividendi kanye nenzuzo enkulu uma inkontileka igcinwa okungenani iminyaka emi-5! Isibonelo: Ngitshale u-€5 futhi ngenxa yokukhetha okuhle kwemidiya, inkontileka yanda eminyakeni emihlanu futhi yakhuphukela ku-€000.
Iyini inzuzo ye-PEA? I-PEA ivumela abatshalizimali ngabanye ukuthi batshale imali emakethe yamasheya futhi ngaleyo ndlela bazuze ekusebenzeni okukhangayo ikakhulukazi le izabelo zesikhathi eside, le konke ngaphakathi kohlaka lwentela oluyinhlanhla kusukela, ngaphezu kweminyaka emi-5 yokuboshwa, izinzuzo kukhona ayikhokhiswa intela kodwa iminikelo yokuvikela umphakathi isala...
Iyini inzuzo yokuba ne-PEA?
Le PEA ivumela abatshalizimali ngabanye ukuthi batshale imali emakethe yamasheya futhi ngaleyo ndlela bazuze ekusebenzeni okukhangayo kwesikhathi eside kwamasheya, konke ngaphakathi kohlaka lwentela oluyinhlanhla njengoba, ngaphezu kweminyaka engu-5 yobunikazi, izinzuzo. kukhona ayikhokhiswa intela kodwa iminikelo yokuvikela umphakathi isala...
Iyini intela yokuhoxa ku-PEA ngaphambi kweminyaka emi-2?
Kuyintokuyinto isichibiyelo seSenethi lokho kuyinto emsuka wesilinganiso: manje, phakathi kuka- ukuhoxiswa ngaphambili the 5 ans uhlelo lokonga isitoko (PEA ou PEA-PME) okuwinile kuzokhokhiswa intela ku-Single Flat-rate Deduction (PFU) yama-30%.
Yiziphi izingozi ze-PEA? Izimoto zokutshala izimali ezisetshenziswa njengesisekelo ku-a Ama-AEP anjalo ngakho-ke kuvezwe kakhulu izingozi equities, okusho ukwamukela izinga eliphezulu lokuguquguquka, kanye a risque ukulahlekelwa yimali.
Iyini iCredit Agricole PEA? Uhlelo Lokusebenza Lokonga kuyinto yakhiwe i-akhawunti yesibambiso kanye ne-akhawunti yemali ehlotshaniswa nenye. Izinkokhelo zingena ku-akhawunti yemali okuzothengwa kuyo izibambiso. Izibambiso zibhaliswe ku-akhawunti yezibambiso.
Liyini ibhange lokonga iPEA?
Uhlelo lwe'Iyalondoloza ngamazabelo (PEA) Isixazululo seukulondoloza esikhathini esimaphakathi/eside ukutshala imali emakethe yamasheya ngohlaka lwentela olunenzuzo (ngokwezimo zentela ezisebenzayo).
Iyini i-akhawunti yemali? VS'kuyinto le compte ukuthi umtshali-zimali angakwazi ukuxhasa ngemali ngokudluliswa kwemali phakathi kwamabhange noma ngesheke, lapho kuzodonswa khona izimali ezidingekayo zokukhokha ama-oda okuthenga afakiwe.
Ungayisebenzisa kanjani kahle i-PEA?
Ngokomthetho wePacte, we PEA igcina izinzuzo zayo zentela, awukwazi ukukhipha imali iminyaka emihlanu enkokhelweni yokuqala. Ngempela, noma yikuphi ukuhoxiswa okuyingxenye noma okuphelele ngaphambi kweminyaka emi-5 kuzoholela ekuvaleni kwakho PEA futhi uzoba ngaphansi kwentela ephelele engu-30% ekuwinile.
Iyiphi indlela engcono kakhulu yokukhulisa imali yakho? Ungayikhulisa kanjani imali yakho ?
- Imakethe yamasheya (nokuhweba)
- Yenza imali yakho ikhule ngezindlu eziqashisayo.
- Ukutshala imali kuma-SCPIs (izinkampani zokutshala izindlu ezithengiswayo zomphakathi)
- Umshwalense wempilo, PEL, neminye imikhiqizo yasebhange: muhle ngempela?
Ibanjwa nini iminikelo yomphakathi kwa-PEA?
Le PEA iba yinto engakhokhiswa intela kusukela eminyakeni emi-5 yobunikazi. Ngemva kweminyaka emi-5 kuyinto kungenzeka ukuthatha impesheni engakhokhi intela. Ngaphandle kwenani leminyaka esidlulile kusukela ekubhaliseni, i izintela zomphakathi zi yabo kuqoqwe phakathi nohambo ngalunye.
Uyikhokha nini iminikelo yezokuphepha yezenhlalakahle ye-PEA? Kukho konke PEA ivuliwe kusukela ngoJanuwari 1, 2018, i iminikelo yomphakathi ngenani eligcwele, ngesilinganiso esisebenza ngesikhathi sokuhoxa noma sokuvala.
Singakanani isikhathi se-PEA?
Umnikazi we-a I-AEP mahhala ukuhoxisa nokufaka imali izikhathi eziningi njengoba efisa kanye isikhathi kweminyaka emi-5 yeqiwe.
Iyini inzuzo yokuba ne-PEA? A PEA kwenza kube nokwenzeka ukutshala imali ngqo kumasheya, okungenjalo kwezinye izimali zesikhathi eside njengezinkontileka zomshwalense wempilo. Enye inzuzo: ngaphandle kwanoma yiziphi izimali zesitokisi noma izimali zokunakekela i-akhawunti, umnikazi akakhokhisi ezinye izimali ezengeziwe PEA ngisho.
Iyini i-ceiling ye-PEA?
Le PEA Ibhange likuvumela ukuthi uthole iphothifoliyo yamasheya ezinkampanini zaseYurophu ngenkathi uzuza, ngaphansi kwezimo ezithile, ekukhululweni intela. i kubekwe umkhawulo emiholweni yezimenenja inkokhelo kuyinto ye- € 150.
Zithini izindleko zokuvula i-PEA e-Credit Agricole?
Izindleko zeCredit Agricole PEA
Invest Store Initial | I-Direct Stock Exchange | |
---|---|---|
Hlela de 5000 € | 25,00 € | 4,50 € |
Hlela de 7500 € | 37,50 € | 6,75 € |
Hlela de 10 000 € | 50,00 € | 9,00 € |
Izindleko garde | €24 + €4,20 ngomugqa ngamunye ngoba wonke ama-UCITS ngaphandle credit Agricole | akukho |
• ngomhlaka 17 Dec. 2021