Iindidi ezahlukeneyo zeNgxowa-mali yoTyalo-mali eMalta

  • Ukupapashwa 20 Agasti 2021

  • | isingqiniso IN757

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-Isle of Man nasePortugal.

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.

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