Udidi: ZeNgxowa

Idatha engundoqo malunga neMalta

• I-Malta yaba lilungu le-EU ngoMeyi 2004 kwaye yajoyina i-Euro Zone kwi-2008.
• IsiNgesi sithethwa kakhulu kwaye sibhalwa eMalta kwaye lolona lwimi luphambili kushishino.

Izinto ezinegalelo kuKhuphiswano oluluncedo lwaseMalta

• Ubume obuqinileyo bomthetho kunye nolawulo kunye nesakhelo sowiso-mthetho ngokuhambelana neziKhokelo ze-EU. IMalta ibandakanya zombini iinkqubo zolawulo: umthetho woluntu kunye nomthetho oqhelekileyo, njengoko umthetho weshishini usekwe kwimigaqo yomthetho wesiNgesi.
• I-Malta inezinga eliphezulu lemfundo kunye nabaphumeleleyo abamele i-cross-section yezifundo ezahlukeneyo ezinxulumene neenkonzo zemali. Uqeqesho olulodwa kwiinkonzo zemali lunikezelwa kumanqanaba ngamanqanaba emfundo yasemva kwesesekondari nakwinqanaba lemfundo ephakamileyo. Umsebenzi wogcino-zincwadi usekwe kakuhle esiqithini. Abacwangcisi-zincwadi banokuba ngabaphumelele eyunivesithi okanye banesiqinisekiso esiqinisekisiweyo somcwangcisi-zincwadi (ACA/ACCA).
• Umlawuli osebenzayo ongenekayo kakhulu kwaye onengqondo yoshishino.
• Ubonelelo oluhlala lukhula lwesithuba seeofisi ezikumgangatho ophezulu ezirentwayo ngamaxabiso aphantsi kunaseNtshona Yurophu.
• Uphuhliso lweMalta njengeziko lezemali lamazwe ngamazwe lubonakaliswa kuluhlu lweenkonzo zemali ezikhoyo. Ukuzalisekisa imisebenzi yokuthengisa yendabuko, iibhanki ziya zibonelela; ibhanki yabucala kunye notyalo-mali, imali yeprojekthi, iimali-mboleko ezihlanganisiweyo, unondyebo, ugcino, kunye neenkonzo zogcino. I-Malta ikwabamba amaziko amaninzi asebenza kwiimveliso ezinxulumene norhwebo, njengezemali zorhwebo ezicwangcisiweyo, kunye ne-factoring.
• Ixesha eliqhelekileyo laseMalta liphambi kweyure enye ngaphambi kweGreenwich Mean Time (GMT) kunye neeyure ezintandathu phambi kweXesha laseMpuma lase-US (EST). Ushishino lwamazwe ngamazwe lunokulawulwa ngokutyibilikayo.
• IMigangatho yeNgxelo yezeMali yaMazwe ngaMazwe, njengoko yamkelwe yi-EU, imiliselwe kumthetho wenkampani kwaye iyasebenza ukusukela ngo-1997, ngoko ke akukho zidingo ze-GAAP zasekhaya zokujongana nazo.
• Inkqubo yerhafu ekhuphisana kakhulu, ekwabangaphandle, kunye nothungelwano olubanzi nolukhulayo lwesivumelwano sokurhafiswa kabini.
• Akukho zithintelo ekunikezelweni kweemvume zokusebenza kubantu abangengabo abe-EU.

IiNgxowa-mali ze-Malta Hedge: IiNgxowa-mali zoMtyali-mali ezibuNgcali (PIF)

Umthetho waseMalta awubhekiseli ngokuthe ngqo kwihedge funds. Nangona kunjalo, iimali ze-hedge ze-Malta zinelayisensi njengeNgxowa-mali yoMtyali-mali (i-PIFs), isikimu sotyalo-mali oluhlangeneyo. Iimali zeHedge eMalta zihlala zisetwa njengeenkampani zotyalo-mali ezivulekileyo okanye ezivaliweyo (SICAV okanye INVCO).

I-Malta Professional Investor Funds (i-PIFs) ulawulo lubandakanya iindidi ezintathu: (a) abo banyuselwe kubaTyali-mali abafanelekileyo, (b) abo banyuselwe kubaTyali-mali abaQolisayo, kunye (c) nabo banyuselwe kubaTyali-mali abanamava.

Iimeko ezithile kufuneka zaneliswe ukuze zifaneleke phantsi kwenye yezi ndidi zintathu kwaye ke ngoko ukwazi ukutyala imali kwi-PIF. Ii-PIFs zizikim zotyalo-mali ezidityanelweyo eziyilelwe abatyali-zimali abaziingcali nabaxabisa kakhulu abatyali-mali abanomlinganiselo othile wobuchule nolwazi kwizikhundla zabo.

Inkcazo yoMtyali-mali oLungelelekileyo

“Umtyali-mali ofanelekileyo” ngumtyali-mali ozalisekisa ezi nqobo zilandelayo:

1. Utyala ubuncinci be-EUR 100,000 okanye imali elingana nayo kwi-PIF. Olu tyalo-mali alunakucuthwa ngaphantsi kwesi sixa sincinane nangaliphi na ixesha ngendlela yokukhululwa ngokuyinxenye; kwaye
2. Ubhengeza ngembalelwano kumanejala wengxowa-mali kunye ne-PIF ethe umtyali-mali uyayazi, kwaye iyayamkela ingozi eyayanyaniswa notyalo-mali olucetywayo; kwaye
3. Wanelisa nokuba ibe nye kwezi zilandelayo:

• Iqumrhu elinempahla yexabiso engaphezulu kwe-EUR 750,000 okanye inxalenye yeqela elinee-asethi ezingaphezulu kwe-EUR 750,000 okanye, kwimeko nganye, imali elingana nayo; or
• Iqumrhu labantu okanye imibutho enee-asethi ezingaphezulu kwe-EUR 750,000 okanye imali elingana nemali; or
• I-trust apho ixabiso eliseleyo lee-asethi ze-trust lingaphezulu kwe-EUR 750,000 okanye imali elingana nemali; or
• Umntu onesambuku sesambuku okanye esinexabiso elidityanisiweyo neqabane lakhe elingaphezulu kwe-EUR 750,000 okanye imali elingana nemali; or
• Umqeshwa ophezulu okanye umlawuli womniki-nkonzo we-PIF.

Ziziphi iiPIF zeMalta ezisetyenziselwa kwaye zithini izibonelelo zazo?

Ii-PIFs zihlala zisetyenziselwa i-hedge fund structures ezine-asethi ezisisiseko ukusuka kwizibambiso ezidluliswayo, i-private equity, ipropathi engashukumiyo, kunye neziseko zophuhliso. Zikwasetyenziswa ngokuqhelekileyo ngeemali ezibandakanya ukurhweba nge-cryptocurrency.

Ii-PIFs zibonelela ngezibonelelo ezininzi, kubandakanya:

• Ii-PIF zenzelwe abatyali-mali abaqeqeshiweyo okanye abaxabisa kakhulu kwaye ke ngoko abanayo imiqobo edla ngokubekwa kwiimali zokuthengisa.
• Akukho zithintelo zotyalo-mali okanye zonyuselo kwaye iiPIF zinokusetwa ukuze zibambe i-asethi enye.
• Akukho mfuneko yokuqesha uMgcini.
• Ukhetho olukhawulezayo lwelayisenisi ekhoyo, kunye nemvume phakathi kweenyanga ezi-2-3.
• Uyakwazi ukuzilawula.
• Unokuqesha abalawuli, abaphathi, okanye ababoneleli ngenkonzo kuyo nayiphi na imimandla eyaziwayo, amalungu e-EU, EEA, kunye ne-OECD.
• Ingasetyenziselwa ukuseta imali eyimali eyinyani.

Kwakhona kukho ithuba lokubuyisela kwakhona imali ye-hedge ekhoyo evela kwezinye iindawo ukuya eMalta. Ngale ndlela, ukuqhubeka kwengxowa-mali, utyalo-mali, kunye namalungiselelo ekhontrakthi ayaqhubeka.

IiNgxowa-mali ezizezinye zoTyalo-mali lwaseMalta (AIF)

Ii-AIFs ziingxowa-mali zotyalo-mali ezidityanisiweyo eziphakamisa inkunzi kubatyali-mali kwaye zinesicwangciso sotyalo-mali esichaziweyo. Abafuni sigunyaziso phantsi kweZivumelwano zoTyalo-mali oluDibeneyo kwiiSecurities eziTshintshekayo (UCITS) ulawulo.  

Ukutshintshwa kwamva nje koMyalelo weNgxowa-mali yoTyalo-mali olulolunye (i-AIFMD), ngokulungiswa koMthetho weeNkonzo zoTyalo-mali kunye neMithetho yeeNkonzo zoTyalo-mali kunye nokuqaliswa kwemithetho encedisayo yenze isakhelo solawulo kunye nokuthengiswa kweemali ezingezizo ze-UCITS eMalta.

Umda we-AIFMD ubanzi kwaye uquka ulawulo, ulawulo, kunye nokuthengiswa kwee-AIFs. Nangona kunjalo, ikakhulu ibandakanya ukugunyaziswa, iimeko zokusebenza, kunye nezibophelelo zokungafihli ze-AIFM kunye nolawulo kunye nokuthengiswa kwee-AIFs kubatyalo-mali abaqeqeshiweyo kwi-EU yonke kwi-cross-border basis. Ezi ntlobo zeemali zibandakanya iingxowa-mali ze-hedge, iimali ze-private equity, iimali ze-real estate, kunye ne-venture capital funds.

Isakhelo se-AIFMD sibonelela ngolawulo olulula okanye lwe-minimis kwii-AIFM ezincinci. I-De minimis AIFMs ngabaphathi abathi, nokuba ngokuthe ngqo okanye ngokungathanga ngqo, balawule iipotfoliyo ze-AIFs abampahla yabo ephantsi kolawulo ngokudibeneyo ingagqithiyo kwezi mali zilandelayo:

1) € 100 yezigidi; or

2) € 500 yezigidi zee-AIFM ezilawula kuphela ii-AIFs ezingenamlinganiselo, ngaphandle kwamalungelo okubuyisela asebenzayo kwiminyaka emihlanu ukusuka kutyalo-mali lokuqala kwi-AIF nganye.

I-de minimis AIFM ayikwazi ukusebenzisa amalungelo okupaspoti e-EU avela kulawulo lwe-AIFMD.

Nangona kunjalo, nayiphi na i-AIFM enempahla ephantsi kolawulo iwela ngaphantsi kwemigangatho engasentla, isenokukhetha ukungena kwisikhokelo se-AIFMD. Oku kuya kuyenza ixhomekeke kuzo zonke izibophelelo ezisebenzayo kwi-AIFM egcweleyo kwaye ivumele ukuba isebenzise amalungelo okupaspoti e-EU avela kwi-AIFMD.

Iinkcukacha ezongezelelweyo

Ukuba ufuna naluphi na ulwazi malunga neePIF kunye nee-AIFs eMalta, nceda uthethe UJonathan Vassallo: ingcebiso.malta@dixcart.com, kwi-ofisi ye-Dixcart eMalta okanye kunxibelelwano lwakho oluqhelekileyo lwe-Dixcart.

Umxholo Ofanelekileyo

'UTyalo-mali lwezeNtlalo noLawulo lokusiNgqongileyo' yayisisihloko sesithethi esiphambili kuzo zombini iForam kaMeyi 2022 Guernsey Fund (uDarshini David, uMbhali, uQoqosho kunye noMsasazi), kunye nenkomfa yeMSI Global Alliance (Sofia Santos, Lisbon School of Economics and Management), apho kwakhona yenzeka ngoMeyi 2022.

Isizathu sokuba iESG ibe yeyona nto iphambili kukuba lishishini kwaye ke ngoko kubalulekile kwezoqoqosho. Ikwavumela abatyali-zimali abanolwazi lwezemali, abaphathi botyalo-mali, abacebisi botyalo-mali, ii-ofisi zeentsapho, izabelo zabucala kunye noluntu ukuba luxhamle ngokwasezimalini ngokubeka ivoti yabo yezemali kwiinkampani ezijonge ukwenza ngcono imeko yehlabathi jikelele.

Iimpembelelo zoluTyalo-mali

Sibona iinkalo ezimbini zomsebenzi eziqhutywa zezi ndlela zotyalo-mali;

1. Abathengi abathatha izikhundla zeESG, ngaphakathi kweepotfoliyo zabo zotyalo-mali ezilawulwayo, kwiinkampani nakwiingxowa-mali ezineziqinisekiso ze-ESG abo bathengi banobudlelwane obuthile kubo,
2. Abaxumi baseka iziseko ezicetyiweyo zokudala isicwangciso esilungiselelweyo se-ESG esiquka iindawo zabo ezihlala zithe ngqo, zeESG / ifuthe lotyalo-mali.

Indlela yokuqala jikelele ilungiselelwe kakuhle kakhulu, iingcaphephe zangaphakathi zeESG kunye nabaphathi botyalo-mali beqela lesithathu abenza ukulingana kunye nezindululo zotyalo-mali.

I-Second Trend kunye neGuernsey PIFs

Umzila wesibini unika umdla ngakumbi kwaye usoloko ubandakanya ukusekwa kwezakhiwo zenjongo eyodwa, ezinokuthi zibe yingxowa-mali ebhalisiweyo nelawulwayo, kwinani elincinci labatyali-mali (abangaphantsi kwama-50). INgxowa-mali yoTyalo-mali lwaBucala yaseGuernsey (PIF) ifaneleke ngokufanelekileyo kwezi nkxaso-mali zintsha, ze-ESG.

Ngokukodwa, sibona i-ofisi yosapho kunye nabatyali-zimali babucala abaneenkalo ezicacileyo kunye ne-niche yenzala yotyalo-mali ye-ESG, abangabonelelwanga ziingxowa-mali ze-ESG.

Guernsey Green Fund Accreditation

Ii-PIF zaseGuernsey ESG nazo zinokufaka isicelo sokuvunywa kweNgxowa-mali yaseGuernsey Green.

Injongo yeGuernsey Green Fund kukubonelela ngeqonga apho utyalo-mali kumalinge ahlukeneyo ohlaza lunokwenziwa khona. Oku kwandisa ukufikelela kwabatyali-mali kwindawo yotyalo-mali eluhlaza, ngokubonelela ngemveliso ethembekileyo neselubala ethi inegalelo kwinjongo ekuvunyelwene ngayo ngamazwe ngamazwe yokuthomalalisa ukonakaliswa kokusingqongileyo kunye nokutshintsha kwemozulu.

Abatyali-mali kwiNgxowa-mali yoHlaza yaseGuernsey bayakwazi ukuthembela kubizo lweNgxowa-mali yoHlaza, ebonelelwe ngokuthotyelwa kweMithetho yeNgxowa-mali yaseGuernsey, ukuveza inkqubo ehlangabezana nemigaqo engqongqo yokufaneleka kutyalo-mali oluluhlaza kwaye inenjongo yesiphumo esinesiphumo esisisiphumo somhlaba. okusingqongileyo.

Iinkcukacha ezongezelelweyo

Ngolwazi oluthe kratya malunga notyalo-mali lweESG ngokusebenzisa iziseko ezixeliweyo, iNgxowa-mali yoTyalo-mali yaBucala yaseGuernsey kunye noqinisekiso lweNgxowa-mali yaseGuernsey Green nceda uqhagamshelane: USteve de Jersey, kwiofisi yeDixcart eGuernsey: ingcebiso.guernsey@dixcart.com.

I-Dixcart inelayisensi phantsi koKhuseleko lwaBatyali (Bailiwick yaseGuernsey) Law 1987 ukubonelela ngeenkonzo zolawulo lwePIF, kwaye inelayisensi yokunyaniseka enikezelwe yiKhomishini yeeNkonzo zezeMali yaseGuernsey.

Ukungafihlisi kwehlabathi

Uvavanyo oluqhubayo lwelizwe nelizwe kunye novavanyo lwehlabathi kwimigangatho yokubeka elubala kunye nolawulo lwezemali yi-OECD kunye ne-FATF, kuzise ukuphucuka okwamkelekileyo kwimigangatho yehlabathi kodwa kwangaxeshanye, kubonakalise ukusilela kwezinye iindawo.

Oku kunokudala imiba yokuthotyelwa kwamalungiselelo akhoyo kunye nenkxalabo yabatyali zimali yezakhiwo ezisebenza kwimimandla ethile. Ngamaxesha athile, kukho ke, kukho isidingo sokuhambisa imisebenzi yezemali kulawulo oluthobelayo noluzinzileyo.

Isisombululo seQumrhu laseGuernsey kwiiNgxowa-mali zoTyalo-mali

Nge-12 kaJuni 2020, iKhomishini yeeNkonzo zezeMali yaseGuernsey (GFSC) yazisa ngolawulo olukhawulezayo lwelayisensi kubaphathi botyalo mali lwangaphandle (olungelolwaseGuernsey).

Isisombululo esikhawulezayo sivumela iinkampani zolawulo lweengxowa-mali zaphesheya ukuba zifudukele eGuernsey kwaye zifumane ilayisensi yeshishini lotyalo-mali olufunekayo kwiintsuku nje ezili-10 zeshishini. Ngenye indlela, inkampani yolawulo yaseGuernsey esandula ukubandakanywa nayo inokusekwa kwaye inikwe ilayisensi kwiintsuku ezili-10 zeshishini, phantsi kolawulo olunye.

Isisombululo esikhawulezayo saphuhliswa ekuphenduleni kwinani elikhulu lemibuzo evela kubaphathi beengxowa-mali zaphesheya, benqwenela ukuseka imali eGuernsey, nokuba kungokufuduka kwabaphathi bengxowa-mali abaphesheya kolwandle okanye ukusekwa kwemali entsha efuna abaphathi bengxowa-mali yaseGuernsey.

Kutheni iGuernsey?

• Ubume - Abaphathi beNgxowa-mali bayatsaleleka eGuernsey ngenxa yokuqina kwezomthetho, ezobuchwephesha kunye neziseko zophuhliso lweenkonzo zobungcali, ngokukhethwa ngokubanzi kwamagqwetha asemgangathweni, iifemu zolawulo lwengxowa-mali kunye nabalawuli basekuhlaleni. Ukongeza, i-Guernsey ikwi-EU, kwaye i-FATF kunye ne-OECD "zidweliswe ezimhlophe" ekucaciseni irhafu kunye nemigangatho yerhafu efanelekileyo.

• Ukuthotyelwa kwaMazwe ngaMazwe - IGuernsey yazise umthetho wokuhlangabezana neemfuno ze-EU kwizixhobo zoqoqosho. Lo mthetho ufuna abaphathi bengxowa-mali ukuba benze imisebenzi yabo engundoqo yengeniso kulawulo lwabo lokuhlala irhafu. Iziseko ezingaphambili zeenkonzo zezemali kunye nezikhokelo zomthetho zithetha ukuba abaphathi bengxowa mali abasekwe kwisiqithi bayakwazi ukuhlangabezana neemfuno zezinto zoqoqosho. Ulawulo olomeleleyo kodwa olulinganisiweyo lweGuernsey lwabaphathi bengxowa-mali kunye ne-pedigree yayo ende kunye nodumo njengelizwe elihamba phambili kulawulo lobulungisa babucala nako kubalulekile ekuthandeni kukaGuernsey.

• amava - Abaphathi beNgxowa-mali kunye nabaphicothi zincwadi eGuernsey banamava abanzi ekusebenzisaneni neengxowa-mali zaphesheya kwe-non-Guernsey. Izikimu ezingezizo ezaseGuernsey, apho ezinye iinkalo zolawulo, ukulawulwa okanye ukugcinwa kugcinwa eGuernsey, zimele ixabiso lilonke leasethi ye- $ 37.7 yezigidigidi ekupheleni kuka-2020, kwaye yindawo yokukhula.

• Ezinye izisombululo ezikhawulezayo - Ukhetho olukhawulezayo lokhetho lwabaphathi beemali zaphesheya kolwandle kukongeza kwiinkqubo ezikhoyo zokukhawulezisa iilayisensi ezikhoyo kubaphathi beGuernsey yengxowa-mali yeGuernsey (kwaneentsuku ezili-10 zomsebenzi). Kukwakhona nokukhetha okukhawulezayo kokubhalisa iingxowa-mali zeGuernsey kwiintsuku ezi-3 zeshishini kwiimali ezibhalisiweyo, kunye nosuku olunye lweshishini lweengxowa-mali zabucala (ii-PIFs) kunye noMphathi wePIF.

Abaphathi beDixcart Fund (iGuernsey) limited isebenza ngokusondeleyo nengcebiso yezomthetho yaseGuernsey, ukuququzelela ukufuduka kunye nokubonelela ngenkxaso eqhubekayo kunye neenkonzo zolawulo ukuqinisekisa ukuthotyelwa kweemfuno zolawulo, izinto zoqoqosho, kunye nezona ndlela zilungileyo zokuziphatha.

Iinkcukacha ezongezelelweyo

Ngolwazi oluthe kratya malunga nokulandelwa ngokukhawuleza kwemali kwiGuernsey, nceda unxibelelane USteven de Jersey kwiofisi yeDixcart eGuernsey: ingcebiso.guernsey@dixcart.com

Njengoncediso olongezelelekileyo kumanqaku ethu ekwazisweni kweendlela ezimbini ezintsha zeNgxowa-mali yoTyalo-mali lwaBucala (PIF) eGuernsey (Abatyalomali babucala abafanelekileyo kunye noBudlelwane boSapho);

Isikhokelo esikhawulezayo seMigaqo eNtsha yeNgxowa-mali yabucala yaseGuernsey (PIF) (dixcart.com)

Ingxowa-mali 'yokuLungela' yabatyali babucala (PIF) yaseGuernsey Investment yabucala (dixcart.com)

Isishwankathelo sinikiwe apha ngezantsi kwiindlela ezintathu zokuseka iPIF kwaye, ukuze kugqitywe, ulwazi olufanayo lwemali ebhalisiweyo negunyazisiweyo.

* Uhlobo lweZiko eliguquguqukayo: njengenkampani encinci, ubuhlakani obulinganiselweyo, iNkampani yeSeli ekhuselweyo, iNkampani yeSeli eDityanisiweyo njl.

** Akukho nkcazo inzima 'yobudlelwane bosapho' ebonelelweyo, enokuthi ivumele uluhlu olubanzi lobudlelwane bosapho kunye namandla osapho ukuba alungiselelwe.

Iinkcukacha ezongezelelweyo:

Ibhalisiwe vs igunyazisiwe - kwizikim zotyalo-mali oluhlanganisiweyo olubhalisiweyo luxanduva lomphathi ochongiweyo (umlawuli) ukubonelela ngewaranti kwi-GFSC ukuba kufanelekile ngenkuthalo efanelekileyo. Kwelinye icala, izikimu ezigunyazisiweyo zotyalo-mali oluhlanganisiweyo zixhomekeke kwinkqubo yamanqanaba amathathu okufaka isicelo kunye ne-GFSC apho kwenzeka khona oku kuzimisela.

Iiklasi ezigunyazisiweyo zengxowa-mali:

Iklasi A - Izikim ezivulekileyo ezithobela imiGaqo yeNkqubo yokuTyala imali ngokuhlangeneyo kwaye kufanelekile ukuba ithengiselwe uluntu eUnited Kingdom.

Iklasi B -I-GFSC iyile le ndlela ukubonelela ngoguquguquko ngokuvumela i-GFSC ukuba ibonise isigwebo okanye ukuqonda. Kungenxa yokuba ezinye izikimu zisukela kwiingxowa-mali zentengiso ezijolise kuluntu ngokubanzi ngokusebenzisa imali yeziko ukuya kwingxowa yabucala engqongqo esekwe kuphela njengesixhobo sotyalo-mali liziko elinye, kwaye iinjongo zotyalo-mali kunye neeprofayili zomngcipheko ngokufanayo zibanzi. Ngokuhambelana, imigaqo ayibandakanyi utyalomali oluthile, ukuboleka kunye nezithintelo zothango. Oku kukwavumela ukubakho kweemveliso ezintsha ngaphandle kwesidingo sokulungisa umgaqo weKhomishini. Izikimu zeBakala B zijolise ikakhulu kubatyali mali beziko.

Iklasi Q - Esi sikimu senzelwe ukuba sichaze ngokuthe ngqo kwaye sijolise kwiingxowa-mali zobungcali ezikhuthaza ukutsha. Kananjalo, ukuthotyelwa kwesi sikimu kubeka ngakumbi ekuchazeni umngcipheko obakho kwisithuthi nakwezinye iindidi. 

I-Dixcart inelayisensi phantsi koKhuseleko lwaBatyali (Bailiwick yaseGuernsey) Law 1987 ukubonelela ngeenkonzo zolawulo lwePIF, kwaye inelayisensi yokunyaniseka enikezelwe yiKhomishini yeeNkonzo zezeMali yaseGuernsey.

Ngolwazi oluthe kratya malunga nengxowa mali yotyalo mali yabucala, nceda unxibelelane USteve de Jersey at ingcebiso.guernsey@dixcart.com

imvelaphi

Uthotho lwe Imikhombandlela ye-European Union iphunyezwe ngoJulayi ka-2011 vumela Izikimu zokudibanisa utyalomali ukusebenza ngokukhululekileyo kwi-EU iphela, ngesigunyaziso esinye esisuka kwelinye Ilungu lelizwe.

Iimpawu zezi mali zilawulwa yi-EU zibandakanya:

• Isakhelo sokudibana kwemida yomda phakathi kwazo zonke iintlobo zeemali ezilawulwayo ze-EU, zivunyelwe kwaye zamkelwe lilungu ngalinye lelizwe.
• Umda wokuwela feeder eyintloko izakhiwo.
• Ipaspoti yenkampani yolawulo, evumela ingxowa-mali elawulwayo ye-EU, esekwe kwilizwe elinye elilungu le-EU, ukuba ilawulwe yinkampani yolawulo kwelinye ilizwe elilungu.

Iinkonzo zeNgxowa-mali zeDixcart Malta

Ukusuka kwi-Dixcart ofisi eMalta sinikezela uluhlu olubanzi lweenkonzo kubandakanya; Ukwenza ingxelo kunye nokunika ingxelo ngabanini zabelo, iinkonzo zobunobumba bequmrhu, ulawulo lwengxowa-mali, iinkonzo zabanini zabelo kunye noqingqo-maxabiso.

Iqela leDixcart likwabonelela ngeenkonzo zolawulo lwengxowa mali kwi: Guernsey, Isle of Man ne Portugal.

Iindidi zeNgxowa-mali yotyalomali kwaye kutheni iMalta?

Ukusukela oko iMalta yajoyina i-EU, ngo-2004, ilizwe lenze umthetho omtsha, laze lazisa nemigaqo eyongezelelweyo yezimali. IMalta ibiyindawo enomtsalane yokuseka ingxowa mali ukusukela oko.

Lulawulo olugunyazisiweyo nolungenaxabiso, kwaye ikwabonelela ngeendlela ezininzi zengxowa-mali onokukhetha kuzo, kuxhomekeke kwisicwangciso-nkqubo esithandwayo sotyalo-mali. Oku kubonelela ngokuguquguquka kunye nokukwazi ukuziqhelanisa neemeko ezahlukeneyo.

Okwangoku, zonke iimali eMalta zilawulwa liGunya leeNkonzo zeMali zeMalta (MFSA). Ummiselo wahlulwe waba ziindidi ezine ezahlukeneyo:

• INgxowa-mali yoTyalo-mali eyiNgcali (PIF)
• Enye ingxowa mali yabatyali mali (AIF)
• INgxowa-mali yoTyalo-mali engenye eyazisiweyo (NAIF)
• Ukubanjwa koTyalo-mali oluHlanganisiweyo kuKhuseleko oluDlulisekayo (i-UCITS).

INgxowa-mali yoTyalomali eyiNgcali (PIF)

I-PIF yeyona ngxowa-mali ithandwayo eMalta. Abatyalomali bahlala belusebenzisa olu hlobo lwengxowa-mali ukufezekisa izicwangciso ezinxulunyaniswe nezinto ezintsha, umzekelo, utyalomali kwi-cryptocurrency, njengoko ezona zinto ziphambili kwingxowa-mali kukuguquguquka nokusebenza ngokukuko.

Ii-PIFs zaziwa njengezikim zotyalo-mali oluhlangeneyo ezilungiselelwe ukujolisa kubatyali-mali abaziingcali kunye nabantu abanenzuzo ephezulu, ngenxa yotyalo-mali olusezantsi, umqobo weeasethi namava afunekayo, xa kuthelekiswa nezinye iintlobo zengxowa-mali.

Ukwenza i-PIF umtyali mali kufuneka abe nguMtyali mali oQinisekisiweyo kwaye kufuneka atyale ubuncinci i- € 100,000. Ingxowa-mali inokwenziwa ngokuseka i-umbrella fund ebandakanya ezinye iimali ezingaphantsi kwayo. Ixabiso elityaliweyo linokusekwa kwisikim ngasinye, endaweni yengxowa-mali nganye. Le ndlela ihlala ijongwa njengenketho elula kubatyali mali, xa kusenziwa iPIF.

Abatyalomali kufuneka batyikitye uxwebhu oluchaza ulwazi lwabo kunye nokwamkelwa kweengozi ezichaphazelekayo.

UMtyalomali oQinisekisiweyo kufuneka abe; iqumrhu elidibeneyo okanye iqumrhu elidibeneyo eliyinxalenye yeqela, iqumrhu elingadibaniswanga labantu okanye umbutho, itrasti, okanye umntu onee-asethi ezingaphezulu kwe- € 750,000.

Inkqubo ye-PIF yaseMalta inokwenziwa nangazo naziphi na ezi zithuthi zilandelayo:

• Inkampani yeTyalo-mali eneZimali eziGuqukayo zeSabelo (SICAV)
• Inkampani ye Investment eneZabelo eziziiFixed (INVCO)
• Intsebenziswano encinci
• IYunithi yeTrasti / iNgxowa-mali yesiQinisekiso esiQhelekileyo
• Inkampani yecandelo elidityanisiweyo.

INgxowa-mali yoTyalo-mali engenye (i-AIF)

I-AIF, yingxowa-mali edityanelweyo ye-Pan-European, yabantu abaphucukileyo nabaqeqeshiweyo. Inokudalwa njengemali eninzi apho izabelo zingahlulwa-hlulwa zibe ziindidi ezahlukeneyo zezabelo, ngaloo ndlela kuyilwa imali engaphantsi ye-AIF.

Ibizwa ngokuba 'ngokudibeneyo' kuba abatyali-mali abaninzi banokuthatha inxaxheba kuyo kwaye nasiphi na isibonelelo sihanjiswa kubatyali mali bengxowa-mali ngokuhambelana nomgaqo-nkqubo ochaziweyo wotyalo-mali (ungadidaniswa ne-UCITS eneemfuno ezingqongqo). Ibizwa ngokuba yi 'Pan-European' kuba i-AIF inepasipoti ye-EU kwaye ke ngoko nawuphi na umtyali mali we-EU angazibandakanya nengxowa-mali.

Xa kuziwa kubatyali mali, aba banokuba ngabatyali mali abafanelekileyo okanye abaThengi abaqeqeshiweyo.

'Umtyalomali ofanelekileyo', kufuneka atyale ubuncinci i- € 100,000, abhengeze uxwebhu kwi-AIF ukuba uyabazi kwaye uyabamkela ubungozi asele eza kubuthatha, kwaye okokugqibela, umtyali mali kufuneka abe; iqumrhu elidibeneyo okanye iqumrhu elidibeneyo eliyinxalenye yeqela, iqumrhu elidibeneyo labantu okanye umbutho, itrasti, okanye umntu oneeasethi ezingaphezulu kwe- € 750,000.

Umtyalomali ongu 'Mthengi oqeqeshiweyo' kufuneka abe namava, ulwazi kunye nobuchule bokuzenzela izigqibo zokutyala imali kunye nokuvavanya ubungozi. Olu hlobo lomtyali mali ngokubanzi; amaziko afunekayo / agunyazisiweyo / alawulwa ukuba asebenze kwiimarike zezemali, amanye amaqumrhu anje ngorhulumente wesizwe nowengingqi, imibutho yoluntu elawula amatyala oluntu, iibhanki eziphambili, amaziko aphesheya kunye namazwe angaphandle, kunye nabanye abatyali mali beziko abanomsebenzi ophambili kukutyala imali izixhobo. Ukongeza, abathengi abangazifezekisiyo ezi nkcazo zingasentla, banokucela ukuba babe ngabaThengi abaqeqeshiweyo.

Inkqubo ye-AIF yaseMalta inokwenziwa nangazo naziphi na ezi zithuthi zilandelayo:

• Inkampani yeTyalo-mali eneZimali eziGuqukayo zeSabelo (SICAV)
• Inkampani ye Investment eneZabelo eziziiFixed (INVCO)
• Intsebenziswano encinci
• IYunithi yeTrasti / iNgxowa-mali yesiQinisekiso esiQhelekileyo
• Inkampani yecandelo elidityanisiweyo.

INgxowa-mali yoTyalo-mali eNye eyazisiweyo (NAIF)

I-NAIF yimveliso yaseMalta esetyenziswa ngabatyali mali xa befuna ukuthengisa imali yabo, ngaphakathi kwe-EU, ngokukhawuleza nangokufanelekileyo.

Umphathi wale ngxowa-mali (uManejala weNgxowa-mali yoTyalo-mali oluNye - i-AIFM), uthatha lonke uxanduva lwe-NAIF, kunye noxanduva lwayo. Ukulandela 'isaziso', i-AIF inokufikelela kwintengiso ngeentsuku ezilishumi, ukuba nje onke amaxwebhu afunyenwe yi-MFSA akwimeko entle. Iiprojekthi zokhuselo ngumzekelo wento esetyenziselwa i-NAIFs.

Kule ngxowa-mali, njenge-AIF, abatyali mali banokuba ngabatyali mali abafanelekileyo okanye abaThengi abaqeqeshiweyo. Nokuba unokufaka isicelo senkqubo 'yokwazisa,' inezinto ezimbini kuphela ezifunekayo; Abatyalomali kufuneka umntu ngamnye atyale ubuncinci i- € 100,000, kwaye kufuneka baxele kwi-AIF ne-AIFM, uxwebhu, ukuba bayabazi ubungozi abaza kukuthatha kwaye bayabamkela.

Iimpawu ezifanelekileyo ze-NAIF zibandakanya:

• Kuxhomekeke kwinkqubo yokwaziswa yi-MFSA, endaweni yenkqubo yelayisensi
• Ingavulwa okanye ivale iphele
• Awunakho ukuzilawula ngokwakho
• Uxanduva nokonganyelwa kwenziwa yi-AIFM
• Ayinakuseta njengeNgxowa-mali yeMali-mboleko
• Awunakho ukutyala imali kwiiasethi ezingezizo ezemali (kubandakanya nearhente yezindlu).

Inkqubo ye-NAIF yaseMalta inokwenziwa nangazo naziphi na ezi zithuthi zilandelayo:

• Inkampani yeTyalo-mali eneZimali eziGuqukayo zeSabelo (SICAV)
• Inkampani ye Investment eneZabelo eziziiFixed (INVCO)

• Inkampani yecandelo eliDibeneyo leSICAV (SICAV ICC)
• Iseli eliHlanganisiweyo leNkampani yeSeli eDityanisiweyo (RICC)
• IYunithi yeTrasti / iNgxowa-mali yesiQinisekiso esiQhelekileyo.

Ukubanjwa kotyalo mali ngokudibeneyo kuKhuseleko oluDlulisekayo (UCITS)

Iimali ze-UCITS sisikimu sotyalo mali ngokudibeneyo, imveliso ethengisa izinto ezingamanzi kunye neselubala enokuthengiswa kwaye isasazwe ngokukhululekileyo kwi-EU yonke. Zilawulwa yi-EU UCITS Directive.

IMalta ibonelela ngendlela efanelekileyo, kunye nokuguquguquka, ngelixa uhlonipha ngokupheleleyo uMyalelo we-EU.

I-UCITS, eyenziwe eMalta, inokuba ngohlobo lweendlela ezahlukeneyo zomthetho. Olona tyalo-mali luphambili kukhuseleko olunokudluliselwa kunye nezinye ii-asethi eziyimali eziyimali. I-UCITS inokwenziwa njengengxowa yeambrela, apho izabelo zinokwahlulwa-hlulwa zibe ziindidi ezahlukeneyo zezabelo, ngaloo ndlela kuyilwa imali engaphantsi.

Abatyalomali kufuneka babe 'ngabatyali mali abathengisayo,' ekufuneka betyale imali yabo ngendlela engeyiyo yobungcali.

Isikimu se-UCITS saseMalta sinokusekwa zezi zithuthi zilandelayo:

• Inkampani yeTyalo-mali eneZimali eziGuqukayo zeSabelo (SICAV)
• Intsebenziswano encinci
• ICandelo leTrasti
• Ingxowa-mali yesiqhelo yesiVumelwano.

isishwankathelo

Iindidi zeemali ezahlukileyo ziyafumaneka eMalta kwaye iingcebiso ngeengcali, ezivela kwinkampani enjengeDixcart, kufuneka zithathwe, ukuqinisekisa ukuba uhlobo lwengxowa-mali olukhethiweyo luhlangabezana ngokugqibeleleyo neemeko ezithile kunye neentlobo zotyalomali ezityala imali kwingxowa.

Iinkcukacha ezongezelelweyo

Ukuba ufuna olunye ulwazi malunga nemali eMalta, nceda uthethe no UJonathan Vassallo: ingcebiso.malta@dixcart.com, kwi-ofisi ye-Dixcart eMalta okanye kunxibelelwano lwakho oluqhelekileyo lwe-Dixcart.

'I-ESG' kunye noTyalo-mali lwezeMali oluhlaza-iNgxowa-mali eGreen yeGuernsey

Indalo esingqongileyo, intlalontle kunye nolawulo ('ESG') kunye notyalo mali lweGreen Finance lukhuphuke lwaya phezulu kuluhlu lwee-ajenda zolawulo kunye nabatyali zimali, njengoko amandla afanelekileyo okusebenza njengabaphatha ngcono, abagcini abasebenza ngakumbi benguquko kwi-ESG yehlabathi iyaqhubeka.

Olu tshintsho luziswa ngenkonzo yezezimali.

Ukuhanjiswa, isicwangciso-qhinga kunye nobuchule

Iziko, iofisi yosapho kunye neendlela ezinobuchule zotyalo mali zabucala ziyaguquka zibandakanya izinto ezinkulu zotyalo-mali lwe-ESG- kodwa ahanjiswa njani la mathuba otyalo-mali?

Izindlu zotyalo mali zabucala nezamaziko kunye neeofisi zosapho ziyaqhubeka nokwenza amaqela eengcali ukukhokela izicwangciso zazo ze-ESG kunye nokubonelela ngezi zicwangciso kunye nobuchule kubemi ngokubanzi babatyali mali, ngeendlela ezintsha nezikhoyo zengxowa mali.

Amaqela amatsha otyalomali, nokuba angamaziko, iofisi yosapho okanye enye, ejonge ukulawula ngokuthe ngqo kunye nokuhambisa ezabo iindlela ze-ESG, ulwakhiwo lwengxowa-mali yinto eyamkelekileyo kwilizwe lonke.

Ukunyaniseka kweGuernsey Green Fund

Kwi-2018 i-Guernsey Financial Services ('GFSC'), yapapasha imigaqo yeGuernsey Green Fund, isenza imveliso yengxowa mali yotyalo mali yokuqala elawulwayo.

Injongo yeNgxowa-mali yoGuquko lwaseGuernsey kukubonelela ngeqonga apho utyalo-mali lunokwenziwa kumanyathelo ahlukeneyo eluhlaza.

Ingxowa-mali iGuernsey Green Fund inyusa ukufikelela kubatyali zimali kwindawo eluhlaza yotyalo-mali ngokubonelela ngemveliso ethembekileyo necacileyo enegalelo kwiinjongo ekuvunyelwene ngazo kwilizwe liphela zokunciphisa ukonakaliswa kwendalo kunye nokutshintsha kwemozulu.

Abatyalomali kwiGuernsey Green Fund bayakwazi ukuxhomekeka kwisikhundla seGuernsey Green Fund, ngokubonelelwa ngokuthobela iMigaqo yeGuernsey Green Fund, ukumela iskimu esihlangabezana nemilinganiselo engqongqo yokufumana utyalo-mali oluhlaza kwaye sinenjongo yempembelelo entle imeko-bume yomhlaba.

Ukuhambisa iGuernsey Green Fund

Naliphi na udidi lwengxowa-mali yaseGuernsey lunokwazisa ngeenjongo zalo zokuchongwa njengeNgxowa-mali eGreen yeGuernsey; nokuba ubhalisile okanye ugunyazisiwe, uvule-uvulekile okanye uvaliwe, ngokubonelela ukuba iyahlangabezana nemilinganiselo yokufaneleka.

I-GFSC iya kutyumba i-Guernsey Green Funds kwiwebhusayithi yayo ize igunyazise ukusetyenziswa kwelogo yeGuernsey Green Fund ukuba isetyenziswe kwizinto zayo ezahlukeneyo zentengiso kunye nolwazi (ngokuhambelana nezikhokelo ze-GFSC ekusetyenzisweni kwelogo). Ingxowa-mali efanelekileyo ingabonisa ngokucacileyo ukutyunjwa kwayo kweGuernsey Green Fund kunye nokuthobela iMigaqo yeNgxowa-mali yeGreen Guernsey.

I-GFSC okwangoku ikwinkqubo yokubhalisa uphawu lweGuernsey Green Fund njengophawu lorhwebo kwiwebhusayithi yeOfisi yePropathi yobuNini yeGuernsey.

Iinkonzo zeNgxowa-mali zeDixcart eGuernsey

Sibona ulwenzeko oluchukumisayo, oluvaliweyo, ulwakhiwo lweNgxowa-mali yabucala yoTyalo-mali njengowona unomtsalane ikakhulu kwiiofisi zosapho kunye nabaphathi bamaqela abucala abatyali mali, abafuna ukuthatha ulawulo ngqo kunye nokuhambisa iindlela ze-ESG zotyalo-mali.

Sisebenza ngokuthe ngqo nabacebisi abaziingcali kwezomthetho nabaphathi botyalo-mali ekuhambiseni, ekulawuleni nasekulawuleni ulwakhiwo lwengxowa-mali.

Iinkcukacha ezongezelelweyo

Ngolwazi oluthe kratya ngeeNkonzo zeNgxowa-mali zeDixcart eGuernsey nalapho ungaqala khona, nceda unxibelelane USteve de Jersey, kwiofisi yeDixcart eGuernsey: ingcebiso.guernsey@dixcart.com.

imvelaphi

IMalta kudala ilukhetho olusebenzayo kubaphathi bengxowa-mali abafuna ukuseta kulawulo lwe-EU oluhloniphekileyo ngelixa besebenzisa iindleko.

Loluphi uhlobo lweNgxowa-mali olunikezelwa nguMalta?

Ukusukela oko iMalta yaba lilungu le-EU kwi2004, ibandakanye inani leengxowa-mali ze-EU, ikakhulu; 'iNgxowa-mali yoTyalo-mali engenye (i-AIF)', 'Izinto ezenziwayo zoTyalo-mali oluHlanganisiweyo kuKhuseleko oluDlulisekayo (UCITS)', kunye 'neNgxowa-mali yoTyalo-mali eyiNgcali (PIF)'.

Ngo-2016 iMalta iphinde yazisa 'iNgxowa-mali yoTyalo-mali eyenye (i-NAIF)', kwisithuba seentsuku ezilishumi zokusebenza kugqityiwe ukwenziwa kwamaxwebhu, iGunya leeNkonzo zezeMali eMalta (MFSA), liyakubandakanya i-NAIF kuluhlu lwayo lwe-Intanethi lwee-AIF ezaziwayo zokuma okuhle. . Ingxowa-mali enjalo ihlala ihambelana ngokupheleleyo ne-EU kunye nezibonelelo ezivela kumalungelo okundwendwela e-EU.

Izikimu zoTyalo-mali eziHlanganisiweyo

Uthotho lwe Imikhombandlela ye-European Union kuvumela Izikimu zokudibanisa utyalomali ukusebenza ngokukhululekileyo kwi-EU iphela, ngesigunyaziso esinye esisuka kwelinye Ilungu lelizwe. 

Iimpawu zezi mali zilawulwa yi-EU zibandakanya:

• Isakhelo sokudibana kwemida yomda phakathi kwazo zonke iintlobo zeemali ezilawulwayo ze-EU, zivunyelwe kwaye zamkelwe lilungu ngalinye lelizwe.
• Umda wokuwela feeder eyintloko izakhiwo.
• Ipaspoti yenkampani yolawulo, evumela ingxowa-mali elawulwayo ye-EU esekwe kwilizwe elinye elilungu le-EU ukuba ilawulwe yinkampani yolawulo kwelinye ilizwe elilungu.

Ilayisenisi yeNgxowa-mali yeDixcart Malta

Iofisi yeDixcart eMalta inephepha-mvume lengxowa-mali kwaye ke inokubonelela uluhlu olubanzi lweenkonzo kubandakanya; Ulawulo lwengxowa-mali, ugcino-zincwadi kunye nokunika ingxelo ngezabelo, iinkonzo zobunobumba, iinkonzo zabanini zabelo kunye namaxabiso.

Izibonelelo zokuseka iNgxowa-mali eMalta

Isibonelelo esiphambili sokusebenzisa iMalta njengolawulo lokuseka ingxowa-mali kukugcina iindleko. Imirhumo yokuseka ingxowa-mali eMalta kunye neenkonzo zolawulo lwengxowa-mali iphantsi kakhulu kunakwiminye imimandla yolawulo. 

Izibonelelo ezinikezelwa yiMalta zibandakanya: 

• Ilungu leLungu le-EU ukusukela ngo-2004
• Iziko leenkonzo ezihloniphekileyo zezezimali, iMalta yabekwa phakathi kwamaziko amathathu aphezulu ezemali kwiZiko lamaZiko eMali zeHlabathi
• Umlawuli omnye weBhanki, ezoKhuseleko kunye ne-Inshurensi- ziyafikeleleka kwaye zomelele
• Ummiselo wabanikezeli beenkonzo abasemgangathweni kuzo zonke iindawo
• Iingcali ezifanelekileyo
• Iindleko zokusebenza ezisezantsi kuneminye imimandla yaseYurophu
• Iinkqubo zokuseta ezikhawulezayo nezilula
• Ulwakhiwo loTyalo-mali oluguqukayo (ii-SICAV's, iitrasti, ubuhlakani njl.njl.)
• Umsebenzi weelwimi ezininzi kunye nobungcali-ilizwe elithetha isiNgesi elinamagcisa ahlala ethetha iilwimi ezine
• Uluhlu lweNgxowa mali kwiMalta Stock Exchange
• Ukudalwa kwemali yeambrela
• Imigaqo yolawulo ngokutsha isendaweni
• Ukubakho kokusebenzisa abaphathi bengxowa mali yangaphandle kunye nabagcini
• Olona lwakhiwo lwerhafu lunokhuphiswano ngaphakathi kwe-EU, kodwa luyathobela ngokupheleleyo i-OECD
• Inethiwekhi ebalaseleyo yezivumelwano zerhafu ephindwe kabini
• Icandelo le-Eurozone

Zithini izibonelelo zeRhafu Ukuseka iNgxowa-mali eMalta?

IMalta inolawulo olululo lwerhafu kunye nenethiwekhi ebanzi yesiVumelwano seRhafu. IsiNgesi lulwimi olusemthethweni lweshishini, kwaye yonke imithetho nemigaqo ipapashwa ngesiNgesi.

Iimali eMalta zinandipha inani lezibonelelo zerhafu, kubandakanya:

• Akukho xanduva lwesitampu kumba okanye ukuhanjiswa kwezabelo.
• Akukho rhafu kwixabiso lilonke leaseti yesikimu.
• Akukho rhafu ibanjiweyo kwizabelo ezihlawulwe kwabo bangengabo abahlali.
• Akukho rhafu kwinzuzo eyinkunzi kwintengiso yezabelo okanye iiyunithi ngabantu abangahlaliyo.
• Akukho rhafu kwinzuzo eyinkunzi kwintengiso yezabelo okanye iiyunithi ngabahlali ukuba ezo zabelo / iiyunithi zidwelisiwe kwiMalta Stock Exchange.
• Imali engamiselwanga iyonwabele inkululeko exoxiweyo, ethi isebenze kwingeniso neengeniso zengxowa-mali.

isishwankathelo

Iimali zeMalta zithandwa ngenxa yokuba bhetyebhetye kunye neempawu ezifanelekileyo zerhafu abazibonelelayo. Iimali eziqhelekileyo ze-UCITS zibandakanya iimali ezilinganayo, imali yebhondi, imali yentengiso yemali kunye nembuyekezo epheleleyo.

Iinkcukacha ezongezelelweyo

Ukuba ufuna naluphi na ulwazi malunga nokuseka ingxowa-mali eMalta, nceda uthethe nonxibelelwano oluqhelekileyo lwe-Dixcart okanye UJonathan Vassallo kwi-Dixcart ofisi eMalta: ingcebiso.malta@dixcart.com

IiNgxowa-mali zoTyalo-mali – kuLwakhiwo loButyebi baBucala

Ukulandela ukubonisana noshishino ngo-2020, iKomishoni yeeNkonzo zeZimali zaseGuernsey (GFSC) ihlaziye iNgxowa-mali yoTyalo-mali lwaBucala (PIF), ukwandisa iinketho ezikhoyo zePIF. Le mithetho mitsha iqale ukusebenza ngomhla wama-22 kuTshazimpuzi ka-2021 kwaye kwangoko yathatha indawo yeMithetho yeNgxowa-mali yoTyalo-mali yabucala yangaphambili, ka-2016.

Indlela yesi-3 – iNgxowa-mali yoTyalo-mali lwaBucala kuBudlelwane boSapho (PIF)

Le yindlela entsha engafuniyo uMphathi oLayisenisi we-GFSC. Le ndlela ivumela ulwakhiwo lobutyebi babucala obucetyiweyo, obufuna ubudlelane bosapho phakathi kwabatyali-mali, ukuba lwenziwe, ekufuneka luzalisekise ezi nqobo zilandelayo:

1. Bonke abatyali-mali kufuneka babelane ngobudlelwane bosapho okanye babe “ngumqeshwa ofanelekileyo” wosapho ekuthethwa ngalo (umsebenzi ofanelekileyo kulo mxholo kufuneka ahlangabezane nenkcazo yomtyali-mali wabucala ofanelekileyo phantsi kweNdlela yesi-2 – i-PIF yoMtyali-mali wabucala oLungeneyo);
2. I-PIF kufuneka ingathengiswa ngaphandle kweqela losapho;
3. Ukunyuswa kwemali eyinkunzi ngaphandle kobudlelwane bosapho akuvumelekanga;
4. Ingxowa-mali kufuneka ibe noMlawuli okhethiweyo waseGuernsey, onelayisenisi phantsi koKhuseleko lwabaTyalo-mali (Bailiwick of Guernsey) uMthetho we-1987, oqeshwe kuyo; kwaye
5. Njengenxalenye yesicelo se-PIF, uMlawuli we-PIF kufuneka anike i-GFSC isibhengezo sokuba iinkqubo ezisebenzayo zikho ukuqinisekisa ukuba bonke abatyali-mali bayayizalisekisa imfuneko yosapho.

Ingaba esi siThuthi siya kuba nguMdla okhethekileyo kuye?

Akukho nkcazelo inzima 'yobudlelwane bosapho' enikiweyo, enokuvumela uluhlu olubanzi lobudlelwane bosapho lwangoku kunye neentshukumo zosapho ukuba zilungiselelwe.

Kucingelwa ukuba i-Route 3 PIF iya kuba nomdla ngakumbi kwiintsapho ezikwixabiso eliphezulu kakhulu kunye nee-ofisi zeentsapho, njengesakhiwo esiguquguqukayo sokulawula ii-asethi zeentsapho kunye neeprojekthi zotyalo-mali.

Indlela eNtsha yoLawulo loButyebi boSapho lwangoku

Ukuvunywa kwentembeko yesiNtu kunye neziseko zeziseko ziyohluka kwihlabathi liphela, kuxhomekeke ekubeni indawo yolawulo iyawamkela na umthetho oqhelekileyo okanye umthetho woluntu. Ukwahlula phakathi kobunini obusemthethweni nobunenzuzo bee-asethi kudla ngokuba sisikhubekiso ekusetyenzisweni kwazo.

• Iimali zamkelwa kwihlabathi jikelele kwaye ziqondwa kakuhle kwaye ziqondwa kakuhle kwaye, kwimeko yokwanda kwemfuno yolawulo, ukungafihli kunye nokuphendula, inikezela ngenye indlela ebhalisiweyo nelawulwayo kwizixhobo zemveli.

Iimfuno zeentsapho zanamhlanje kunye neeofisi zosapho nazo ziyatshintsha kwaye izinto ezimbini eziqwalaselwayo ngoku ezixhaphakileyo zezi:

• Imfuno yolawulo oluthe kratya olusemthethweni, lusapho, ekuthathweni kwezigqibo kunye nempahla yexabiso, enokuphunyezwa liqela elimele amalungu osapho asebenza njengebhodi yabalawuli benkampani yolawulo lwengxowa-mali; kwaye;
• Imfuneko yobandakanyo oluphangaleleyo losapho, ngakumbi isizukulwana esilandelayo, enokuthi ichazwe kumqulu wosapho odibene nengxowa-mali.

Yintoni uMqulu woSapho?

Umqulu wosapho yindlela eluncedo yokuchaza, ukulungelelanisa kunye nokuvuma izimo zengqondo kunye nezicwangciso kwimiba efana nendalo esingqongileyo, utyalo-mali lwentlalo kunye nolawulo kunye nokupha.

Lo mgaqo-siseko usenokuchaza ngokusesikweni indlela amalungu entsapho anokuphuhliswa ngayo ngokwemfundo, ngokukodwa kwimibandela yemali yentsapho, nokubandakanyeka kwawo kulawulo lobutyebi bentsapho.

Indlela yesi-3 ye-PIF ibonelela ngeenketho ezilindelekileyo nezibhetyebhetye kakhulu zokujongana nezicwangciso ezahlukeneyo zokusasazwa kobutyebi kunye nolawulo kusapho lonke.

Iindidi ezohlukeneyo zeeyunithi zengxowa-mali zinokudalelwa amaqela osapho ohlukeneyo okanye amalungu osapho, ebonisa amanqanaba ahlukeneyo okubandakanyeka, iimeko ezahlukeneyo zosapho, kunye neemfuno ezahlukeneyo zomvuzo notyalo-mali. Ii-asethi zosapho zinokudityaniswa, umzekelo, kwiiseli ezahlukeneyo ngaphakathi kwengxowa-mali yenkampani yeeseli ezikhuselweyo, ukuvumela ulawulo lweeasethi ezahlukeneyo ngamalungu osapho oluthile kunye nokwahlulwa kwee-asethi ezahlukeneyo kunye nomngcipheko wotyalo-mali kubutyebi beentsapho.

Indlela yesi-3 ye-PIF inokuvumela i-ofisi yosapho ukuba yakhe kwaye ibonise ubungqina berekhodi kulawulo lotyalo-mali.

Dixcart kunye noLwazi olongezelelweyo

I-Dixcart inelayisensi phantsi koKhuseleko lwaBatyali (Bailiwick yaseGuernsey) Law 1987 ukubonelela ngeenkonzo zolawulo lwePIF, kwaye inelayisensi yokunyaniseka enikezelwe yiKhomishini yeeNkonzo zezeMali yaseGuernsey.

Ukufumana ulwazi oluthe vetshe malunga nobutyebi, ilifa kunye nesicwangciso sokulandelelana kunye nokusekwa kunye nokulawulwa kweengxowa-mali zotyalo-mali lwabucala kusapho, nceda uqhagamshelane USteve de Jersey at ingcebiso.guernsey@dixcart.com

INgxowa-mali yoMtyali-mali waBucala yaseGuernsey (PIF)

Ukulandela ukubonisana noshishino ngo-2020, iKomishoni yeeNkonzo zeZimali zaseGuernsey (GFSC) ihlaziye iNgxowa-mali yoTyalo-mali lwaBucala, ukwandisa iinketho ezikhoyo ze-PIF. Le migaqo mitsha iqale ukusebenza nge-22 kuTshazimpuzi ka-2021, kwaye ngoko nangoko yathatha indawo yeMithetho yeNgxowa-mali yoTyalo-mali lwangaphambili, ka-2016.

Indlela yesi-2 – uMtyali-mali waBucala oLungileyo (QPI), iPIF

Le yindlela entsha engafuniyo uMphathi oLayisenisi we-GFSC.

Le ndlela, xa ithelekiswa nendlela yesiqhelo, ibonelela ngeendleko zokusebenza ezicuthiweyo kunye nolawulo, ngelixa igcina into ngaphakathi kwe-PIF ngokusebenza ngokufanelekileyo kwebhodi kunye nokuvala, indima eqhubekayo yoMphathi ogunyazisiweyo waseGuernsey.

Iikhrayitheriya

Umzila 2 we-PIF kufuneka uzalisekise ezi nqobo zilandelayo:

1. Bonke abatyali-mali kufuneka bahlangabezane nenkcazo yoMtyali-mali waBucala oLungelelekileyo njengoko kuchaziwe kwiMithetho yeNgxowa-mali yoTyalo-mali lwaBucala kunye neSikhokelo (1), 2021. Kule meko inkcazo ibandakanya ukukwazi;
   • ukuvavanya imingcipheko kunye nesicwangciso-qhinga sotyalo-mali kwi-PIF;
   • thwala iziphumo zotyalo-mali kwi-PIF; kwaye
   • thwala nayiphi na ilahleko evela kutyalo-mali
2. Akukho ngaphezu kwama-50 abantu abasemthethweni okanye bendalo abanomdla wezoqoqosho kwi-PIF;
3. Inani lokunikezelwa kweeyunithi zokubhalisa, ukuthengiswa okanye ukutshintshiselana akudluli i-200;
4. Ingxowa-mali kufuneka ibe nomhlali ochongiweyo waseGuernsey kunye noMlawuli oneLayisenisi oqeshiweyo;
5. Njengenxalenye yesicelo se-PIF, uMlawuli we-PIF kufuneka anike i-GFSC isibhengezo sokuba kukho iinkqubo ezisebenzayo zokuqinisekisa ukuthintelwa kwesikim kwii-QPIs; kwaye
6. Abatyali-zimali bafumana ingxelo yokuxela ngendlela echazwe yi-GFSC.

Ingaba i-PIF iyakutsalwa kubani indlela yesi-2?

Indlela yesi-2 ye-PIF iya kuba nomtsalane ngakumbi kuluhlu lwabaKhuthazi kunye naBaphathi njengoko inciphisa ukusekwa ngokubanzi kunye neendleko eziqhubekayo ze-PIF, ngelixa inikezela inqanaba elifanelekileyo lolawulo kwindawo ethandwa kakhulu eGuernsey.

Le ndlela ivumela i-PIF ukuba izilawule ngokwayo (enokuthi inciphise nangakumbi iindleko) kodwa ivumele ukuba kube bhetyebhetye kokonyula uMphathi ukuba kuyafuneka.

Le ndlela ilungele abaphathi botyalo-mali, i-ofisi yosapho, okanye amaqela abantu ukuba baphuhlise irekhodi yolawulo lotyalo-mali

I-GFSC iqaphele ukuba imithetho emitsha ye-PIF ayandi okanye ayitshintshi inkcazo 'yenkqubo yotyalo-mali oludityanelweyo'.

Dixcart kunye noLwazi olongezelelweyo

I-Dixcart inelayisensi phantsi koKhuseleko lwaBatyali (Bailiwick yaseGuernsey) Law 1987 ukubonelela ngeenkonzo zolawulo lwePIF, kwaye inelayisensi yokunyaniseka enikezelwe yiKhomishini yeeNkonzo zezeMali yaseGuernsey.

Ngolwazi oluthe kratya malunga nengxowa mali yotyalo mali yabucala, nceda unxibelelane USteven de Jersey at ingcebiso.guernsey@dixcart.com