{"id":429,"date":"2022-09-25T14:50:59","date_gmt":"2022-09-25T17:50:59","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=429"},"modified":"2023-02-21T23:33:13","modified_gmt":"2023-02-22T02:33:13","slug":"como-reorientar-suas-taxas-de-desconto-e-investimentos-para-tornar-a-existencia-mais-confortavel","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/como-reorientar-suas-taxas-de-desconto-e-investimentos-para-tornar-a-existencia-mais-confortavel\/","title":{"rendered":"Ako preorientova\u0165 diskontn\u00e9 sadzby a invest\u00edcie, aby ste si spr\u00edjemnili \u017eivot."},"content":{"rendered":"<p>V medzin\u00e1rodnom prostred\u00ed, kde n\u00e1klady na ka\u017ed\u00fa mali\u010dkos\u0165 rast\u00fa a v\u00e1\u0161 plat nedr\u017e\u00ed krok, je nevyhnutn\u00e9 preorientova\u0165 svoje \u00faspory a invest\u00edcie, najm\u00e4 preto, \u017ee Juhoafri\u010dania s\u00fa notoricky zn\u00e1mi t\u00fdm, \u017ee nie s\u00fa \u0161etrn\u00ed ani neinvestuj\u00fa rozumne.<\/p>\n<p>Spr\u00e1va spolo\u010dnosti Genesis Analytics v spolupr\u00e1ci s \u00daradom pre sektorov\u00e9 ekonomick\u00e9 spr\u00e1vanie (FSCA) potvrdila, \u017ee 901 300 juhoafrick\u00fdch d\u00f4chodcov si nedok\u00e1\u017ee udr\u017ea\u0165 svoj predd\u00f4chodkov\u00fd \u0161tandard b\u00fdvania, pri\u010dom dve tretiny z nich maj\u00fa na d\u00f4chodku menej ako 50 000 randov.<\/p>\n<p>Aby sa minimalizovalo riziko nevhodn\u00fdch \u00faprav platu na d\u00f4chodok, praktick\u00fdm odpor\u00fa\u010dan\u00edm je udr\u017eiava\u0165 si po\u010das pracovn\u00e9ho roka aspo\u0148 151 TP3T z v\u00e1\u0161ho platu. \u201cToto je jednozna\u010dne n\u00e1ro\u010dn\u00e1 \u00faloha. M\u00f4\u017ee by\u0165 n\u00e1ro\u010dn\u00e9 vykona\u0165 potrebn\u00e9 zmeny, ke\u010f si na d\u00f4chodok spor\u00edte menej ako 151 TP3T zo svojho z\u00e1robku.\u201c.<\/p>\n<p>Pre\u010d\u00edtajte si tie\u017e: V\u010faka t\u00fdmto inform\u00e1ci\u00e1m sa vyhnite podce\u0148ovaniu svojich cenn\u00fdch akt\u00edv.<\/p>\n<p>Ur\u010dite to netrv\u00e1 dlho, pokia\u013e nem\u00e1te \u2018dos\u0165' na \u00fadr\u017ebu.<\/p>\n<p>\u201cOdkladanie sporenia, pokia\u013e nem\u00e1te \u2018dos\u0165' pe\u0148az\u00ed, v\u0161ak m\u00f4\u017ee skon\u010di\u0165 ne\u00faspechom. Je ove\u013ea pravdepodobnej\u0161ie, \u017ee budete \u00faspe\u0161n\u00ed, ak uprednostn\u00edte investovanie a vy\u010dlen\u00edte peniaze na svoje dlhodob\u00e9 t\u00fa\u017eby sk\u00f4r, ako budete ma\u0165 pocit, \u017ee ich budete chcie\u0165 min\u00fa\u0165 na naliehavej\u0161ie \u017eivotn\u00e9 t\u00fa\u017eby,\u201d hovor\u00ed Jan van der Merwe, ved\u00faci oddelenia poistnej matematiky a produktov v PSG Wealth.<\/p>\n<p>Hovor\u00ed, \u017ee k\u013e\u00fa\u010dom je za\u010da\u0165 \u010do najsk\u00f4r a pokra\u010dova\u0165 v budovan\u00ed odtia\u013e, \u010d\u00edm sa na mieste vybuduj\u00fa pevn\u00e9 z\u00e1klady.<\/p>\n<p>presk\u00fama\u0165 viac<\/p>\n<p>Moneywise Week sa tento rok rozr\u00e1stol zo sedemdesiatich deviatich na 102 \u00fa\u010dastn\u00edkov.<\/p>\n<p>Ni\u017e\u0161ie uv\u00e1dzame nieko\u013eko pokynov, ktor\u00e9 v\u00e1m pom\u00f4\u017eu za\u010da\u0165:<\/p>\n<ul>\n<li>\u00daspory z doru\u010denia s\u00fa uprednost\u0148ovan\u00e9 \u010do najr\u00fdchlej\u0161ie, hoci m\u00f4\u017eete prispieva\u0165 mal\u00fdmi \u010das\u0165ami a postupne zvy\u0161ova\u0165 svoj predaj ka\u017ed\u00fdch 12 mesiacov.<\/li>\n<li>Ka\u017edoro\u010dne upravujte hodnoty, ktor\u00e9 dr\u017e\u00edte, v reakcii na infl\u00e1ciu.<\/li>\n<li>Ve\u010fte si z\u00e1znamy o v\u0161etk\u00fdch v\u00fddavkoch, ktor\u00e9 utrat\u00edte, a ka\u017ed\u00fd mesiac si ich prehodno\u0165te pod\u013ea svojho rozpo\u010dtu. Na kontrolu v\u00fddavkov pou\u017eite jednu z d\u00f4le\u017eit\u00fdch dostupn\u00fdch aplik\u00e1ci\u00ed. To v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 zisti\u0165, kde by ste mali upravi\u0165 svoje v\u00fddavkov\u00e9 n\u00e1vyky.<\/li>\n<li>Vyhnite sa snahe \u2018dr\u017ea\u0165 krok s Jonesovcami'. Napr\u00edklad si nechajte mobiln\u00fd telef\u00f3n e\u0161te rok alebo dva, jazdite autom e\u0161te nieko\u013eko rokov a obmedzte sumu, ktor\u00fa m\u00ed\u0148ate na najsofistikovanej\u0161ie zna\u010dkov\u00e9 veci, ako je oble\u010denie.<\/li>\n<li>Pri zmene zamestnania si v\u017edy ponechajte z\u013eavy z d\u00f4chodkov\u00e9ho sporenia a nevyberajte si svoje d\u00f4chodkov\u00e9 \u00faspory, ak n\u00e1hodou zmen\u00edte zamestnanie.<\/li>\n<\/ul>\n<p>\u201cV priebehu \u010dasu sa tieto mal\u00e9 zmeny a obete, ktor\u00e9 rob\u00edte, bud\u00fa postupne a konzistentne hromadi\u0165. Tabu\u013eka ni\u017e\u0161ie ilustruje exponenci\u00e1lny zisk dosiahnut\u00fd pri sporen\u00ed po\u010das dlh\u0161ieho obdobia. To ukazuje, \u017ee ak sa doba trvania sporenia vyn\u00e1sob\u00ed 15 rokmi, m\u00f4\u017eete vyjs\u0165 s v podstate dvojn\u00e1sobkom sumy, ktor\u00fa ste si odlo\u017eili \u2013 zlo\u017een\u00fd \u00farok je skuto\u010dne \u00f4smym divom sveta.\u201d<\/p>\n<p>objem u\u0161etren\u00fd za 30 dn\u00ed (R) rozsah rokov, v ktor\u00fdch nakupujete pln\u00e9 z\u013eavy rezervovan\u00e9 (R) celkov\u00e1 hodnota po skon\u010den\u00ed zliav vr\u00e1tane zliav na vo\u013en\u00fd \u010das (R) objem prijat\u00fd nad r\u00e1mec rezervovan\u00fdch zliav (R) celkov\u00fd akumulovan\u00fd objem ako percento z celkovej \u00faspory oddelen\u00e9 1 000 5 60 000 72 945 12 945 122% 1 000 10 sto dvadsa\u0165 000 sto osemdesiat 124 60 124 sto p\u00e4\u0165desiat% 1 000 15 sto osemdesiat 000 337 606 157 606 188%<\/p>\n<p>Predpoklad: V\u00fdnosy sa raz ro\u010dne zlo\u017eia na z\u00e1klade \u00farokovej sadzby 8%.<\/p>\n<p>\u010c\u00edtajte viac: Zva\u017eujete zru\u0161enie pohrebn\u00e9ho poistenia? Pozrite sa, ako sa vyhn\u00fa\u0165 podvodu.<\/p>\n<p>Zabezpe\u010dte \u00fapravy svojich zliav a invest\u00edci\u00ed.<\/p>\n<p>Van der Merwe hovor\u00ed, \u017ee \u017eivotn\u00fd \u0161t\u00fdl a rozpo\u010dty sa \u010dasom menia, a preto by ste si mali v\u017edy skontrolova\u0165 svoje polo\u017eky a invest\u00edcie, aby ste sa uistili, \u017ee st\u00e1le sp\u013a\u0148aj\u00fa va\u0161e potreby v oblasti \u00faspor.<\/p>\n<p>D\u00f4verujte triede produktu a podkladov\u00fdm invest\u00edci\u00e1m v r\u00e1mci produktu.<\/p>\n<p>Pri zva\u017eovan\u00ed klasifik\u00e1cie produktov analyzujte usporiadanie d\u00f4chodkov\u00e9ho fondu va\u0161ej spolo\u010dnosti, mo\u017eno je lep\u0161ie prostredn\u00edctvom d\u00f4chodkovej anuity (RA).<\/p>\n<p>\u201cAk prev\u00e1dzkujete vlastn\u00fa firmu, nem\u00e1te organiza\u010dn\u00fa \u0161trukt\u00faru, a preto by bol RA ve\u013emi u\u017eito\u010dn\u00fd. Okrem toho m\u00f4\u017ee by\u0165 \u00fa\u010det osloboden\u00fd od dane cenn\u00fdm a v\u0161estrann\u00fdm doplnkom k va\u0161im d\u00f4chodkov\u00fdm ziskom.\u201d<\/p>\n<p>Pri poh\u013eade na podkladov\u00e9 invest\u00edcie v produkte Van der Merwe uv\u00e1dza, \u017ee existuje nieko\u013eko mo\u017enost\u00ed, ktor\u00e9 zodpovedaj\u00fa investi\u010dn\u00fdm fondom a akciov\u00fdm portf\u00f3li\u00e1m. D\u00f4le\u017eit\u00e9 komponenty, ktor\u00e9 treba v tejto s\u00favislosti zv\u00e1\u017ei\u0165, s\u00fa:<\/p>\n<ul>\n<li>\u010casov\u00fd horizont investovania: Napr\u00edklad, ak si spor\u00edte na d\u00f4chodok, ktor\u00fd je e\u0161te len o nieko\u013eko desa\u0165ro\u010d\u00ed vzdialen\u00fd, je dobr\u00e9 investova\u0165 do akt\u00edv so zv\u00fd\u0161en\u00fdm profilom rizika a v\u00fdnosu, podobne ako akcie, aby ste zvidite\u013enili invest\u00edcie, ktor\u00e9 by mali prinies\u0165 v\u00fdnosy nad r\u00e1mec infl\u00e1cie.<\/li>\n<li>Poplatky: Porovnajte poplatky od r\u00f4znych poskytovate\u013eov produktov a ich pe\u0148a\u017en\u00e9 sumy, aby ste sa uistili, \u017ee investujete do n\u00e1kladovo efekt\u00edvneho \u010dlenstva. Na to pou\u017eite u\u017eito\u010dn\u00fa referen\u010dn\u00fa tabu\u013eku ro\u010dn\u00fdch poplatkov (EAC), ktor\u00e1 v\u00e1m pom\u00f4\u017ee presk\u00fama\u0165 n\u00e1klady medzi poskytovate\u013emi produktov. EAC je praktick\u00fd \u2018s\u00fahrn n\u00e1kladov' vr\u00e1tane poplatkov s\u00favisiacich so spr\u00e1vou invest\u00edci\u00ed, n\u00e1vrhmi a administrat\u00edvou. Zv\u00e1\u017ete n\u00e1klady oproti cene, ktor\u00fa dostanete, napr\u00edklad za lep\u0161ie poradenstvo a slu\u017eby od spr\u00e1vcu.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Em um internacional onde os custos de cada coisinha sobem e seu sal\u00e1rio n\u00e3o acompanha, \u00e9 fundamental reorientar seus descontos e investimentos, sobretudo por conta que os sul-africanos notoriamente n\u00e3o economizam e investem de forma satisfat\u00f3ria. Um relat\u00f3rio da Genesis Analytics em parceria com a Autoridade de Conduta do Setor Econ\u00f4mico (FSCA) confirmou que 90% [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-429","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=429"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/429\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=429"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=429"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}