თუ არჩევანის გაკეთებას დააგვიანებთ, თქვენი საპენსიო დანაზოგი ავტომატურად გადანაწილდება…
sapensio fondSi dagrovebuli moqalaqeebis fulis gansakargad saxelmwifo iyenebs sam sainvesticio portfels: naklebriskians (danazogis Semcireba naklebad mosalodnelia, magram SedarebiT mcirea mogebac), saSualoriskians (fulis dakargvis riski metia, magram Semosavalic izrdeba) da maRalriskians (sapensio Tanxebis dakargvis albaToba izrdeba, magram warmatebuli investirebis SemTxvevaSi maqsimalurad maRalia mogebac). arCevanis gakeTeba SesaZlebelia sapensio sqemis piradi gverdidan – eleqtronuli xelmoweris saSualebiT, aseve, iusticiis saxlis yvela filialsa da sapensio saagentos ofisSi. sapensio reformis amoqmedebis Semdeg (2018 wlis 6 agvisto), 5 wlis ganmavlobaSi sapensio danazogebis investireba mxolod naklebriskian sainvesticio portfelSi iyo SesaZlebeli, axla ki mas emateba maRalriskiani da saSualoriskiani investirebis SesaZleblobebi. riskiani arCevanis SemTxvevaSi Tqven unda aiRoT pasuxismgebloba mosalodnel zaralze, Tumca Tu gagimarTlebT, miiRebT met Semosavals. arCevanis gakeTeba SegiZliaT 6 seqtembris CaTvliT. Tuki Tavad ver airCevT investirebis tips, 7 seqtembridan Tqveni danazogi winaswar gansazRvruli sqemiT avtomaturad gadanawildeba – asakobrivi jgufebis Sesabamisad:
– 40 wlamde asakobriv jgufSi – sapensio aqtivebi gadanawildeba mzard (maRalriskian) sainvesticio portfelSi;
– 40-dan 50 wlamde – Sereul (saSualoriskian) sainvesticio portfelSi;
– 50 weli da zeviT − stabilur (naklebadriskian) sainvesticio portfelSi.
sapensio saagentos informaciiT, sainvesticio portfelis Secvla 12 TveSi erTxelaa SesaZlebeli.
SevecdebiT ganvmartoT, rogoria TiToeuli portfeli.
naklebriskiani sainvesticio portfelis SemTxvevaSi – mogeba stabiluria, mas stabilur portfelsac uwodeben. am SemTxvevaSi investireba umetesad sabanko anabrebsa da obligaciebSi xorcieldeba. ucxour valutasa da saerTaSoriso aqciebSi investirebis wili SezRudulia portfelis 20%-mde. am portfelis SemTxvevaSi riski dabalia da sapensio saagentos informaciiT, mas upiratesobas isini aniWeben, visac ar uyvars sarisko gadawyvetilebebi da sapensio asakamde cota dro rCeba.
maRalriskiani portfelis SemTxvevaSi sapensio danazogis investireba metwilad ucxour valutaSi da globalur aqciebSi (saerTaSoriso safondo birJebze, kompaniebis aqciebSi) xdeba. SeiZleba investireba depozitebsa da obligaciebSic, magram SedarebiT mcire wiliT. 10%-mde moculobis investireba SesaZlebelia, magaliTad, sainvesticio fondebSi. maRalriskiani portfelis arCevisas saerTaSoriso aqciebSi investirebis wili maqsimum 60%-s Seadgens. sapensio saagentos ganmartebiT, `es portfeli grZel vadaSi xasiaTdeba maRali, mzardi momgebianobiT, amitom mas SeiZleba mzardi portfeli vuwodoT~, magram mas `axlavs SedarebiT maRali riskic~. maRalriskiani portfeli riskis moyvarulebisTvisaa. gaTvla, ZiriTadad, xdeba axalgazrdebze, romlebsac sapensio asakamde ramdenime aTwleuli aSorebT da ar eSiniaT saerTaSoriso kompaniebis aqciebis perioduli ryevebis. sapensio saagentos informaciiT, aseTi ryevebi, ZiriTadad, moklevadiania da saerTaSoriso kompaniebis aqciebis yidvis SemTxvevaSi, grZelvadian periodSi, `maRali Semosavlianobis generirebaa~ SesaZlebeli. `istoria aCvenebs, rom grZelvadiani investorebi globalur aqciebSi investirebiT mogebulebi rCebian~. magaliTad, `bolo 20 wlis ganmavlobaSi saerTaSoriso aqciebis bazrebis saSualo Semosavlianobam, dolarSi, wliuri 8%-9% Seadgina~. amasTan, globalur aqciebSi investirebis erT-erT mTavar sargeblad inflaciasTan gamklaveba saxeldeba.
saSualoriskiani portfeli naklebad riskiani da maRalriskiani portfelebis nazavia, mas Sereul portfelsac uwodeben. Sereul portfelSi ucxouri aqtivebis wili 40%-mde SeiZleba gaizardos. sainvesticio fondebSi investirebis SesaZleblobas Sereuli portfelic iZleva.
portfelebs Soris mTavari sxvaoba ucxour aqtivebSi investirebaa. aqtivebis sazRvargareT investirebaSi ki ZiriTadad, igulisxmeba fasian qaRaldebSi, anu aqciebSi investireba. investireba ki SesaZlebelia rogorc ganviTarebuli, ise ganviTarebadi qveynebis wamyvan kompaniebSi.
`vinaidan sapensio saagentos mier ganxorcielebuli investiciebi diversificirebulia geografiulad da seqtorulad, am aqtivebis Semosavlianoba ar aris damokidebuli romelime konkretuli kompaniisa Tu qveynis Sedegebze~, – ganmartavs saagento.
sapensio danazogis mflobels ufleba aqvs `erTdroulad ramdenime aTasi kompaniis wilis mflobeli~ gaxdes, rac `riskebis Semcirebis saukeTeso saSualebaa~.