Kuisa mari mugoridhe - kune pundutso here?

Zvinoenderana nepolicy yeportfolio diversification, goridhe inoonekwa seimwe yenzira dzakavimbika dzekudyara. Mari yatichengeta mumhando dzakasiyana dzekudyara inoenderana nekushanduka kwemusika kune madhigirii akasiyana. Munhu akajairika wepakati-kati muUnited States anodyara mari inosvika makumi manomwe kubva muzana yemari yavo muzvitoro, zvisungo uye real estate, inenge 70% mumutambo wemusika wekutengesa, uye inosvika makumi maviri muzana yemari yavo yavakachengeta mugoridhe, i.e. hwaro hwezviwanikwa zvayo zvemari.

Nekudaro, hapana tsika yekuisa mari mugoridhe muPoland nekuda kwezvikonzero zvitatu:

● Mapango ane goridhe shoma, kunyanya zvishongo;

● hapana kwokutenga ndarama chaiyo nemitengo yakanaka;

● Hapana ruzivo kana kushambadza nezve kukosha kwekudyara kwegoridhe.

Saka zvakakosha here kuisa mari mugoridhe?

Mitengo yegoridhe iri kuramba ichikwira, saka muPoland unofanirwa kuisa mari inosvika 10-20% yemari yako yawachengeta mugoridhe rakachena. Mukutsigira thesis iyi, kukwira kwemitengo yegoridhe mumakore mana apfuura kunofanirwa kutaurwa. Muna 2001, goridhe raiita madhora mazana maviri nemakumi manomwe paaundi imwe chete, muna 270 yaisvika madhora mazana matatu nemakumi manomwe paaundi imwe chete, uye iko zvino yava kuita madhora mazana mana nemakumi matatu paaundi imwe chete. Vanoongorora nezvemisika yegoridhe vanoti mutengo wemadhora mazana maviri neshanu paaundi imwe chete unogona kudarika kupera kwegore remazana mashanu.

Sekureva kwaMałgorzata Mokobodzka, muongorori weJ&T Diamond Syndicate SC, pane zvikonzero zvakakosha zvekudyara mugoridhe: 

1) kusiyana nemari yemapepa ndarama hazvinei nekushanduka kwemitengo yekuchinjana uye inflation;

2) ndarama ndiyo mari yepasi rose, ndiyo chete mari yepasi rose munyika;

3) mutengo wegoridhe unoramba uchikura nekuda kwekuwedzera kudiwa kwesimbi yakakosha iyi kubva kuhunyanzvi hwemazuva ano;

4) ndarama iri nyore kuvanza, haina kuparadzwa nenjodzi dzinongoitika dzoga, kusiyana nemari yemapepa;

5) goridhe inogara iri kukosha kwechokwadi kunovimbisa kupona kwemari panguva yematambudziko ehupfumi kana kurwisana nezvombo;

6) goridhe ndeyechokwadi uye chaiyo mari yekudyara muchimiro chegoridhe, uye kwete purofiti chaiyo yakavimbiswa nemasangano emari;

7) madhipoziti emasimba makuru ezvehupfumi enyika akavakirwa pachiyero chegoridhe, matura acho anochengetwa mumatura;

8) goridhe mari isingade mutero;

9) goridhe ndiyo hwaro hwekudyara kwese kunokubvumira kuti utarise zvakadzikama mune ramangwana;

10) goridhe ndiyo nzira iri nyore yekupfuudza hupfumi hwemhuri kubva kuchizvarwa kuenda kune chimwe chizvarwa pasina kubhadhara mutero wezvipo.

Saka, goridhe ndeyekune dzimwe nyika uye haina nguva, uye kuisa mari mugoridhe kunogara kwakangwara. 

                                    kukopa kunorambidzwa