Isigaba: Izimali

Idatha Ebalulekile Mayelana ne-Malta

• IMalta yaba yilungu le-EU ngoMeyi 2004 futhi yajoyina i-Euro Zone ngo-2008.
• IsiNgisi sikhulunywa futhi sibhalwa kabanzi eMalta futhi siwulimi oluyinhloko lwebhizinisi.

Izinto Ezinomthelela Kunzuzo Yokuncintisana yaseMalta

• Indawo eqinile yezomthetho neyokulawula enohlaka lomthetho oluhambisana Neziqondiso ze-EU. I-Malta ihlanganisa zombili izinhlelo zezomthetho: umthetho wezakhamuzi kanye nomthetho ovamile, njengoba umthetho webhizinisi usekelwe ezimisweni zomthetho wamaNgisi.
• I-Malta izidla ngezinga eliphezulu lemfundo enabafundi abathole iziqu abamele ingxenye yemikhakha eyahlukene ehlobene nezinsizakalo zezezimali. Ukuqeqeshwa okukhethekile ezinsizeni zezezimali kunikezwa emazingeni ahlukene emfundo yangemva kwesecondary kanye nezemfundo ephakeme. Umsebenzi we-accounting usungulwe kahle esiqhingini. Ababhali bama-accountant bangaba iziqu zasenyuvesi noma baneziqu ze-accountant eziqinisekisiwe (ACA/ACCA).
• Isilawuli esisebenzayo esingeneka kakhulu futhi esinomqondo webhizinisi.
• Ukunikezwa okukhula njalo kwendawo yamahhovisi esezingeni eliphezulu ukuze iqashwe ngamanani ashibhile kunaseNtshonalanga Yurophu.
• Ukuthuthuka kwe-Malta njengesikhungo sezimali samazwe ngamazwe kubonakala ezinhlobonhlobo zezinsizakalo zezezimali ezitholakalayo. Ukugcwalisa imisebenzi evamile yokudayisa, amabhange aya ngokuya enikela; amabhange azimele kanye nezokutshalwa kwezimali, ezezimali zephrojekthi, imalimboleko ehlanganisiwe, umgcinimafa, ukugcinwa, kanye nezinsizakalo zediphozithi. I-Malta futhi isingatha izikhungo ezimbalwa ezisebenza ngemikhiqizo ehlobene nohwebo, njengezezimali zohwebo ezihlelekile, kanye ne-factoring.
• Isikhathi esijwayelekile sase-Malta siyihora elilodwa ngaphambi kwe-Greenwich Mean Time (GMT) namahora ayisithupha ngaphambi kwe-US Eastern Standard Time (EST). Ngakho-ke ibhizinisi lamazwe ngamazwe lingaphathwa kahle.
• Amazinga Wokubika Ngezezimali Wamazwe Ngamazwe, njengoba amukelwa yi-EU, agxilile emthethweni wenkampani futhi ayasebenza kusukela ngo-1997, ngakho-ke azikho izimfuneko zendawo ze-GAAP okufanele ubhekane nazo.
• Umbuso wentela oqhudelana kakhulu, nabakwamanye amazwe, kanye nenethiwekhi yesivumelwano sokukhokhiswa intela kabili enwetshiwe.
• Akukho mingcele ekunikezweni kwezimvume zokusebenza kubantu abangebona abe-EU.

I-Malta Hedge Funds: Izimali zabatshalizimali abaqeqeshiwe (PIF)

Umthetho waseMalta awubhekiseli ngokuqondile ku-hedge funds. Kodwa-ke, i-Malta hedge funds ilayisensi njenge-Professional Investor Funds (PIFs), uhlelo lokutshala izimali oluhlangene. Izimali ze-Hedge eMalta zivame ukumiswa njengezinkampani zokutshala izimali ezivulekile noma ezivaliwe (SICAV noma INVCO).

Umbuso we-Malta Professional Investor Funds (PIFs) uqukethe izigaba ezintathu: (a) lezo ezinyuselwe kubatshalizimali abafanelekayo, (b) labo abanyuselwe kubatshalizimali abangavamile, kanye (c) nalabo abanyuselwe kubatshalizimali abanokuhlangenwe nakho.

Izimo ezithile zidinga ukwaneliseka ukuze ufaneleke ngaphansi kwesinye salezi zigaba ezintathu futhi kanjalo ukwazi ukutshala imali ku-PIF. Ama-PIF ayizinhlelo zokutshala izimali ezihlangene eziklanyelwe abatshalizimali abangochwepheshe nababiza imali ephezulu ngezinga elithile lobuchwepheshe nolwazi ezikhundleni zabo.

Incazelo Yomtshalizimali Ofanelekayo

“Umtshali-zimali Ofanelekayo” ungumtshali-zimali owenza lezi zindlela ezilandelayo:

1. Itshala ubuncane be-EUR 100,000 noma imali yayo elinganayo ku-PIF. Lokhu kutshalwa kwezimali akumele kwehliswe ngaphansi kwaleli nani elincane nganoma isiphi isikhathi ngendlela yokuhlenga ingxenye; futhi
2. Isho ngokubhalela kumphathi wesikhwama kanye ne-PIF ithe umtshali-zimali uyazi, futhi uyazamukela ubungozi obuhlobene nokutshalwa kwezimali okuhlongozwayo; futhi
3. Kwanelisa okungenani okukodwa kokulandelayo:

• Inkampani enezimpahla zizonke ezingaphezu kuka-EUR 750,000 noma ingxenye yeqembu enezimpahla zizonke ezingaphezu kuka-EUR 750,000 noma, esimweni ngasinye, imali elingana nayo; or
• Indikimba yabantu engahlanganisiwe noma izinhlangano ezinezimpahla zizonke ezingaphezu kuka-EUR 750,000 noma okulinganayo nohlobo lwemali; or
• I-trust lapho inani lengqikithi yezimpahla ze-trust lingaphezu kuka-EUR 750,000 noma okulingana nohlobo lwemali; or
• Umuntu onenani lengqikithi yenani noma inani elihlanganyelwe lihlanganiswe nomngane wakhe womshado lingaphezu kwama-EUR 750,000 noma imali elingana nemali; or
• Isisebenzi esiphezulu noma umqondisi womnikezeli wesevisi ku-PIF.

Ayini ama-PIF aseMalta Asetshenziselwa futhi Yiziphi Izinzuzo zawo?

Ama-PIF avame ukusetshenziselwa izakhiwo ze-hedge fund ezinempahla eyisisekelo kusukela kuzibambiso ezidluliswayo, ukulingana kwangasese, impahla engagudluki, nengqalasizinda. Zibuye zisetshenziswe ngokujwayelekile yizimali ezibandakanya ukuhweba nge-cryptocurrency.

Ama-PIF anikeza izinzuzo eziningi, okuhlanganisa:

• Ama-PIF enzelwe abatshalizimali abangochwepheshe noma ababiza kakhulu ngakho-ke awanayo imikhawulo evamise ukubekwa ezikhwameni zokudayisa.
• Ayikho imikhawulo yokutshala imali noma yokuzuza futhi ama-PIF angasethwa ukuze abambe impahla eyodwa kuphela.
• Asikho isidingo sokuqoka umgcini.
• Inketho yelayisense esheshayo iyatholakala, ngemvume phakathi kwezinyanga ezi-2-3.
• Ingakwazi ukuzilawula.
• Ingase iqoke abalawuli, abaphathi, noma abahlinzeki besevisi kunoma iyiphi indawo eyaziwayo, amalungu e-EU, EEA, kanye ne-OECD.
• Ingasetshenziselwa ukusetha imali yemali ebonakalayo.

Kukhona futhi ithuba lokubuyisela kabusha izimali zothango ezikhona ezivela kwezinye izindawo ziye eMalta. Ngale ndlela, ukuqhubeka kwesikhwama, ukutshalwa kwezimali, nezinhlelo zenkontileka kuyaqhubeka.

I-Malta Alternative Investment Funds (AIF)

Ama-AIF ayizikhwama zokutshala izimali ezihlangene ezikhuphula imali kubatshalizimali futhi zibe nesu elichaziwe lokutshala izimali. Abadingi ukugunyazwa ngaphansi kwe-Undertakings for the Collective Investment in Transferable Securities (UCITS) isimiso.  

Ukuguqulwa kwakamuva kwe-Alternative Investment Fund Directive (AIFMD), ngokuchitshiyelwa koMthetho Wezinsizakalo Zokutshalwa Kwezimali kanye Nemithetho Yezinsizakalo Zokutshalwa Kwezimali kanye nokwethulwa kwemithetho engaphansi kudale uhlaka lokuphathwa nokumaketha kwezimali ezingezona ze-UCITS eMalta.

Ububanzi be-AIFMD bubanzi futhi buhlanganisa ukuphathwa, ukuphatha, kanye nokumaketha kwama-AIF. Kodwa-ke, ihlanganisa kakhulu ukugunyazwa, izimo zokusebenza, nezibopho zokungafihli ze-AIFM kanye nokuphathwa nokukhangisa kwama-AIF kubatshalizimali abangochwepheshe kuyo yonke i-EU ngokweqa imingcele. Lezi zinhlobo zezimali zifaka i-hedge funds, izimali ze-private equity, izimali ze-real estate, kanye ne-venture capital funds.

Uhlaka lwe-AIFMD luhlinzeka ngohlelo olulula noma lwe-deminimis lwama-AIFM amancane. Ama-De minimis AIFM abaphathi okuthi, ngokuqondile noma ngokungaqondile, baphathe iphothifoliyo yama-AIF amafa abo angaphansi kokuphathwa ngokuhlanganyela angadluli amanani alandelayo:

1) € 100 million; or

2) Ama-Euro ayizigidi ezingu-500 ama-AIFM aphatha ama-AIF angenakulinganiswa kuphela, ngaphandle kwamalungelo okuhlenga angasebenziseka phakathi neminyaka emihlanu kusukela ekutshalweni kwezimali kokuqala ku-AIF ngayinye.

I-de minimis AIFM ayikwazi ukusebenzisa amalungelo okuphasiswa kwe-EU atholakala kuhulumeni we-AIFMD.

Nokho, noma iyiphi i-AIFM impahla yayo engaphansi kwabaphathi iwela ngaphansi kwemingcele engenhla, isengangena kuhlaka lwe-AIFMD. Lokhu kuzoyenza ibe ngaphansi kwazo zonke izibopho ezisebenza kuma-AIFM wesikophu esigcwele futhi iyenze ikwazi ukusebenzisa amalungelo okuphasiswa kwe-EU atholakala ku-AIFMD.

Ulwazi Olwengeziwe

Uma udinga ulwazi olwengeziwe mayelana nama-PIF nama-AIF eMalta, sicela ukhulume nabo UJonathan Vassallo: iseluleko.malta@dixcart.com, ehhovisi le-Dixcart eMalta noma koxhumana naye ojwayelekile we-Dixcart.

Isihloko Esifanele Kakhulu

'Ukutshalwa kwezimali kwezenhlalo nokubusa kwezemvelo' kube yisihloko esikhuluma esikhulu kuzo zombili izinkundla zeSikhwama se-Guernsey kaMeyi 2022 (uDarshini David, Umbhali, Usomnotho kanye Nomsakazi), kanye nengqungquthela ye-MSI Global Alliance (uSofia Santos, i-Lisbon School of Economics and Management), lapho futhi kwenzeka ngoMeyi 2022.

Isizathu sokuthi i-ESG ibe ukusakazwa okuyinhloko ukuthi iyibhizinisi ngakho-ke ibucayi kwezomnotho. Iphinde ivumele abatshalizimali abanolwazi lwezezimali, abaphathi bokutshalwa kwezimali, abeluleki bezokutshalwa kwezimali, amahhovisi emindeni, ukulingana kwangasese kanye nomphakathi ukuthi uzuze ngokwezimali ngokufaka ivoti labo lezezimali ezinkampanini ezibheke ukwenza kangcono isimo somhlaba wonke.

Imiphumela yalesi Simo Sotshalomali

Sibona izindawo ezimbili zokusebenza eziqhutshwa yilezi zindlela zokutshala izimali;

1. Amaklayenti athatha izikhundla ze-ESG, ngaphakathi kwamaphothifoliyo awo okutshalwa kwezimali aphethwe, ezinkampanini nasezikhwameni ezineziqinisekiso ze-ESG lawo maklayenti anobudlelwane obuthile kuzo,
2. Amaklayenti asungula izinhlaka ezihlosiwe ukuze akhe isu le-ESG elenziwe ngendlela efanele elihlanganisa izindawo zabo ezivame ukucaciswa kakhulu, ze-ESG / nomthelela wenzalo yokutshala imali.

Umkhuba wokuqala ngokuvamile ubhekelelwa kahle kakhulu, ngochwepheshe bangaphakathi be-ESG kanye nabaphathi bokutshalwa kwezimali bezinkampani zangaphandle abenza izincomo zokulingana nezimali.

I-Second Trend kanye ne-Guernsey PIFs

Umkhuba wesibili uthakazelisa kakhulu futhi ngokuvamile uhilela ukusungulwa kwezinhlaka zezinjongo ezikhethekile, ezingaba isikhwama esibhalisiwe nesilawulwayo, senani elincane labatshalizimali (ngokuvamile abangaphansi kwama-50). I-Guernsey Private Investment Fund (PIF) ifaneleka kahle kulezi zimali ezintsha, ezisetshenziswa kakhulu ze-ESG.

Ikakhulukazi, sibona amahhovisi omndeni kanye nabatshalizimali bezabelo ezizimele abanezindawo ezicacile nezibalulekile ze-ESG yenzalo yokutshalwa kwezimali, abanganakekelwe yizimali zokusakaza eziyinhloko ze-ESG.

IGuernsey Green Fund Accreditation

Ama-Guernsey ESG PIFs nawo angafaka isicelo sokugunyazwa kwe-Guernsey Green Fund.

Inhloso ye-Guernsey Green Fund ukuhlinzeka ngenkundla lapho ukutshalwa kwezimali ezinhlelweni ezihlukene zemvelo kungenziwa khona. Lokhu kuthuthukisa ukufinyelela kwabatshalizimali endaweni yokutshalwa kwezimali kwemvelo, ngokuhlinzeka ngomkhiqizo othembekile futhi osobala onegalelo kunhloso okuvunyelenwe ngayo ngamazwe ngamazwe yokudambisa umonakalo wendawo kanye nokushintsha kwesimo sezulu.

Abatshalizimali ku-Guernsey Green Fund bayakwazi ukuthembela ekuqokweni kwe-Green Fund, okuhlinzekwe ngokuhambisana ne-Guernsey Green Fund Rules, ukuze bethule uhlelo oluhlangabezana nemibandela eqinile yokufaneleka yokutshala imali eluhlaza futhi olunenjongo yomphumela omuhle weplanethi. imvelo.

Ulwazi Olwengeziwe

Ukuze uthole ulwazi olwengeziwe mayelana nokutshalwa kwezimali kwe-ESG ngezinhlaka ezihlosiwe, i-Guernsey Private Investment Funds kanye nokugunyazwa kwe-Guernsey Green Fund sicela uthinte: USteve de Jersey, ehhovisi lika-Dixcart e-Guernsey: iseluleko.guernsey@dixcart.com.

IDixcart inikwe ilayisense ngaphansi koMthetho Wokuvikela Abatshalizimali (iBailiwick yaseGuernsey) Law 1987 ukunikela ngezinsizakalo zokuphatha i-PIF, futhi iphethe ilayisense eligcwele lokuthembisa elinikezwe yiGuernsey Financial Services Commission.

Ukungafihli Komhlaba

Ukuhlolwa okuqhubekayo kwezwe nezwe kanye nokuhlolwa komhlaba wonke kwamazinga okusebenza obala kanye nokulawulwa kwezezimali yi-OECD ne-FATF, kulethe ukuthuthuka okwamukelekile emazingeni omhlaba kodwa ngasikhathi sinye, kuveze ukusilela kwezinye izindawo.

Lokhu kungadala izingqinamba zokuhambisana namalungiselelo akhona nokukhathazeka kwabatshalizimali ngezinhlaka ezisebenza kusuka ezindaweni ezithile. Ngesinye isikhathi, ngakho-ke, kunesidingo sokuhambisa imisebenzi yezezimali kumandla avumelana kakhudlwana futhi azinzile.

Isixazululo Senkampani saseGuernsey Sezikhwama Zotshalomali

Ngomhla ziyi-12 kuNhlangulana 2020, iKhomishini Yezinsizakalo Zezezimali yaseGuernsey (GFSC) yethula indlela esheshayo yokusetshenziswa kwamalayisense kubaphathi bezotshalomali bezimali zaphesheya kwezilwandle (okungezona ezaseGuernsey).

Isixazululo esisheshayo sivumela izinkampani zokuphathwa kwezikhwama zaphesheya kwezilwandle ukuthi zifudukele eGuernsey futhi zithole ilayisense lebhizinisi lokutshala imali elidingekayo ezinsukwini zebhizinisi eziyi-10 kuphela. Ngenye indlela, inkampani esanda kufakwa yokuphathwa kweGuernsey nayo ingasungulwa futhi inikwe ilayisense ezinsukwini eziyi-10 zebhizinisi, ngaphansi kombuso ofanayo.

Isixazululo esisheshayo sakhiwa ukuphendula imibuzo eminingi evela kubaphathi bezimali zaphesheya kwezilwandle, abafisa ukusungula izimali eGuernsey, kungaba ngokufuduka kwezimenenja zesikhwama saphesheya kwezilwandle noma ngokusungulwa kwezimali ezintsha ezidinga abaphathi besikhwama seGuernsey.

Kungani uGuernsey?

• Idumela - Abaphathi beziKhwama bakhangwa yiGuernsey ngenxa yengqalasizinda yayo yezomthetho, yezobuchwepheshe, neyezobuchwepheshe, enabameli abaningi abasezingeni eliphakeme, amafemu abaphethe isikhwama nabaqondisi abasendaweni. Ngaphezu kwalokho, iGuernsey ikwi-EU, futhi i-FATF ne-OECD "zibhalwe abamhlophe" ukuze kube sobala ngentela namazinga entela angakhethi.

• Ukuhambisana Komhlaba Wonke - IGuernsey yethule umthetho ohlangabezana nezimfuneko ze-EU ezintweni zezomnotho. Lo mthetho udinga abaphathi besikhwama ukuthi benze imisebenzi yabo engukhiye yokwenza imali endaweni yabo yokuhlala yentela. Ingqalasizinda yezinsizakalo zezezimali esivele ikhona nohlaka lokulawula lusho ukuthi abaphathi besikhwama abasungulwe esiqhingini bayakwazi ukuhlangabezana nezidingo zezinto zomnotho. Ukulawulwa okuqinile kodwa okulinganiselayo kukaGuernsey kwezimenenja zezikhwama kanye nozalo lwayo olude kanye nedumela njengeziphathimandla ezihola umhlaba wonke ekulinganeni kwangasese nakho kungukhiye ekuthandeni kukaGuernsey.

• Experience - Abaphathi besikhwama nabacwaningi mabhuku eGuernsey banolwazi olunzulu ekusebenzeni nezimali zaphesheya kwezilwandle ezingezona ezaseGuernsey. Izikimu ezingezona ezaseGuernsey, lapho kwenziwa khona isici esithile sokuphatha, ukuphatha noma ukugcinwa eGuernsey, bekumele inani lempahla lilonke lama- £ 37.7 billion ekupheleni kuka-2020, futhi liyindawo yokukhula.

• Ezinye izixazululo ezisheshayo - Inketho esheshayo yabaphathi bezimali zaphesheya kwezilwandle ingeze kuzinqubo zamalayisense ezisheshayo ezikhona ezitholakalayo kubaphathi beGuernsey yezimali zeGuernsey (futhi nezinsuku zebhizinisi eziyi-10). Kukhona futhi inketho esheshayo yokubhalisa izimali zeGuernsey zingakapheli izinsuku ezi-3 zebhizinisi zezimali ezibhalisiwe, nosuku lwebhizinisi olungu-1 lwezimali zokutshala izimali ezizimele (ama-PIF) neMenenja ye-PIF.

Abaphathi beDixcart Fund (Guernsey) Limited isebenza ngokubambisana nomeluleki wezomthetho waseGuernsey, ukwenza lula ukufuduka kwabantu kanye nokuhlinzeka ngezinsizakalo ezisezingeni eliphakeme zokusekela kanye nezokuphatha ukuqinisekisa ukuhambisana nezidingo zomthetho, izinto zomnotho, kanye nokwenza okuhle.

Ulwazi Olwengeziwe

Ngemininingwane engaphezulu maqondana nokulandelwa kwemali ngokushesha kweGuernsey, sicela uthinte USteven de Jersey ehhovisi laseDixcart eGuernsey: iseluleko.guernsey@dixcart.com

Njengomsizi owengeziwe kumanothi ethu ekwethulweni kwemizila emibili emisha ye-Private Investment Fund (PIF) eGuernsey (Qualifying Private Investor and Family Relationship);

Isiqondisi Esisheshayo Semithetho Emisha Yesikhwama Sotshalomali Esizimele saseGuernsey (dixcart.com)

Isikhwama Sabatshalizimali Abazimele 'Esifanele' (PIF) iGuernsey Private Investment (dixcart.com)

Isifinyezo sinikezwe ngezansi emizileni emithathu yokusungula i-PIF futhi, ukuphelela, imininingwane efanayo yezimali ezibhalisiwe nezigunyaziwe.

* Uhlobo lwebhizinisi oluguquguqukayo: njengenkampani Enomkhawulo, Ubambiswano Olunqunyelwe, Inkampani Evikelwe Yeseli, Inkampani Yenkampani Ehlanganisiwe njll.

** Akukho ncazelo enzima 'yobudlelwano bomndeni' enikeziwe, engavumela izinhlobo eziningi zobudlelwano bomndeni besimanjemanje namandla omndeni ukuthi enzelwe.

Ulwazi Olwengeziwe:

Kubhaliswe ngokugunyazwa - ezinhlelweni ezibhalisiwe zokutshalwa kwezimali okuhlangene kungumsebenzi womphathi oqokiwe (umphathi) ukuhlinzeka ngamawaranti ku-GFSC ukuthi kwenziwe ngokuzimisela okufanele. Ngakolunye uhlangothi, izikimu zokutshala imali ezihlanganisiwe ezigunyaziwe zingaphansi kwenqubo yokufaka izigaba ezintathu ne-GFSC lapho kwenzeka khona lokhu kukhuthala okufanele.

Izigaba zesikhwama esigunyaziwe:

I-Class A - izikimu ezivulekile ezihambisana neMithetho ye-GFSCs Collective Investment Scheme Rules futhi efanelekile ukuthengiselwa umphakathi e-United Kingdom.

Class B - i-GFSC isungule lo mzila ukuhlinzeka ngokuvumelana nezimo ngokuvumela i-GFSC ukuthi ikhombise ukwahlulela noma ukuqonda. Lokhu kungenxa yokuthi ezinye izikimu zisukela ezikhwameni zokuthengisa ezibhekiswe emphakathini jikelele ngokusebenzisa izimali zesikhungo kuya esikhwameni esizimele esizimele esisungulwe njengemoto yokutshala imali yisikhungo esisodwa, nokuthi izinhloso zabo zokutshala imali kanye namaphrofayili engcuphe ahlukahlukene ngokufanayo. Ngokunjalo, imithetho ayihlanganisi utshalomali oluthile, ukuboleka nokuvimbela imikhawulo. Lokhu futhi kuvumela ukuba khona kwemikhiqizo emisha ngaphandle kwesidingo sokuchibiyela umthethonqubo weKhomishini. Izikimu ze-Class B ngokuvamile ziqondiswe kubatshalizimali bezikhungo.

Isigaba Q - lolu hlelo lwenzelwe ukuthi lucace futhi luhlose izimali zabatshalizimali eziqeqeshiwe ezikhuthaza ukuqanjwa okusha. Kanjalo, ukuhambisana nalesi sikimu kugxila kakhulu ekudaluleni ubungozi obutholakala emotweni nakwezinye izigaba. 

IDixcart inikwe ilayisense ngaphansi koMthetho Wokuvikela Abatshalizimali (iBailiwick yaseGuernsey) Law 1987 ukunikela ngezinsizakalo zokuphatha i-PIF, futhi iphethe ilayisense eligcwele lokuthembisa elinikezwe yiGuernsey Financial Services Commission.

Ngemininingwane engaphezulu ngezimali zokutshala izimali ezizimele, sicela uthinte USteve de Jersey at iseluleko.guernsey@dixcart.com

Background

Uchungechunge lwe Imiyalo ye-European Union ukusebenza ngoJulayi 2011 vumela izinhlelo zokutshala imali ngokuhlanganyela ukusebenza ngokukhululeka kuyo yonke i-EU, ngesisekelo sokugunyazwa okukodwa kusuka kokukodwa izwe elilunga.

Izici zalezi zimali ezilawulwa yi-EU zifaka:

• Uhlaka lokuhlangana kwemingcele phakathi kwazo zonke izinhlobo zezimali ezilawulwa yi-EU, ezivunyelwe futhi zamukelwa yizwe ngalinye lelungu.
• Ukuwela umngcele i-master-feeder izakhiwo.
• Ipasipoti yenkampani yabaphathi, evumela isikhwama esilawulwa yi-EU, esisungulwe ezweni elilodwa lelungu le-EU, ukuthi siphathwe yinkampani yabaphathi kwesinye isifundazwe.

Izinsizakalo zeDixcart Malta Fund

Kusuka ehhovisi le-Dixcart eMalta sinikezela ngemisebenzi ehlukahlukene kubandakanya; ukubikwa kwezimali kanye nabaninimasheya, izinsizakalo zobunobhala bezinkampani, ukuphathwa kwesikhwama, izinsizakalo zabaninimasheya kanye nokulinganisa.

IDixcart Group iphinde inikeze ngezinsizakalo zokuphatha isikhwama e: Guernsey, Isle of Man nasePortugal.

Izinhlobo ZesiKhwama Sotshalomali futhi Kungani iMalta?

Selokhu iMalta yajoyina i-EU, ngo-2004, izwe lishaye umthetho omusha, futhi laletha nemibuso eyengeziwe yezikhwama. IMalta ibe yindawo ekhangayo yokusungula isikhwama kusukela lapho.

Ngamandla ahloniphekile futhi angabizi kakhulu, futhi unikeza nezinhlobo eziningi zesikhwama ongakhetha kuzo, kuya ngecebo lokutshala imali olithandayo. Lokhu kunikeza ukuguquguquka kanye nekhono lokuzivumelanisa nezimo ezahlukahlukene.

Njengamanje, zonke izimali eMalta zilawulwa yiMalta Financial Services Authority (MFSA). Umthethonqubo uhlukaniswe izinhlobo ezine ezihlukene:

• Isikhwama Semali Sabatshalizimali (PIF)
• Isikhwama Esinye Sabatshalizimali (i-AIF)
• Isikhwama Esisetshenzisiwe Sokutshalwa Kwezimali Esazisiwe (NAIF)
• Ukwenza okutshalwe ngokuhlanganyela kwezokuphepha okungadluliselwa (UCITS).

Isikhwama Sabatshalizimali Sabachwepheshe (PIF)

I-PIF yisikhwama semithi esithandwa kakhulu eMalta. Abatshalizimali bavamise ukusebenzisa lolu hlobo lwesikhwama ukufeza amasu axhumene nokwenziwa okusha, isibonelo ukutshalwa kwemali kwi-cryptocurrency, njengoba izici eziyinhloko zesikhwama ukuguquguquka nokusebenza kahle.

Ama-PIF aziwa njengezikimu zokutshala imali ezihlangene ezenzelwe ukukhomba abatshalizimali abangochwepheshe kanye nabantu ababiza kakhulu, ngenxa yokutshalwa kwezimali okuphansi, umkhawulo wempahla kanye nesipiliyoni esidingekayo, uma kuqhathaniswa nezinye izinhlobo zesikhwama.

Ukwakha i-PIF umtshali-zimali kumele abe nguMtshali-zimali Ofanelekile futhi kufanele atshale okungenani u- € 100,000. Isikhwama singakhiwa futhi ngokusungula isikhwama sezambulela esifaka phakathi ezinye izimali ezincane ngaphakathi kwaso. Inani elitshaliwe lingasungulwa ngesikimu ngasinye, esikhundleni sesikhwama ngasinye. Le ndlela ivame ukubhekwa njengenketho elula kubatshalizimali, lapho kwakhiwa i-PIF.

Abatshalizimali kumele basayine idokhumenti echaza ukuqaphela kwabo nokwamukela izingozi ezihilelekile.

Umtshalizimali Ofanelekayo kufanele abe; i-body corporate noma i-body corporate eyingxenye yeqembu, umzimba wabantu noma inhlangano engahlanganisiwe, i-trust, noma umuntu onezimpahla ezingaphezu kwe- € 750,000.

Isikimu se-PIF yaseMalta singakhiwa nganoma iyiphi yalezi zimoto zebhizinisi ezilandelayo:

• Inkampani Yotshalomali ene-Variable Share Capital (SICAV)
• Inkampani Yotshalomali eneFixed Share Capital (INVCO)
• Ukubambisana Okulinganiselwe
• Isikhwama se-Unit Trust / Common Contractual Fund
• Inkampani Ehlanganisiwe Yamaseli.

I-Alternative Investor Fund (AIF)

I-AIF, yisikhwama sokutshala imali esihlangene sePan-European, sabantu abangochwepheshe nabangongoti. Ingabuye yakhiwe njengesikhwama semali esiningi lapho amasheya angahlukaniswa abe izinhlobo ezahlukahlukene zamasheya, ngaleyo ndlela kwakheke izimali ezincane ze-AIF.

Ibizwa ngokuthi 'ngokuhlanganyela' ngoba abatshalizimali abaningi bangabamba iqhaza kuyo futhi noma yimuphi umhlomulo usatshalaliswa kubatshali bezimali besikhwama ngokuya ngenqubomgomo echaziwe yokutshalwa kwezimali (hhayi ukuthi ididaniswe ne-UCITS enezidingo eziqinile). Ibizwa ngokuthi 'iPan-European' ngoba i-AIF inepasipoti ye-EU ngakho-ke noma yimuphi umtshalizimali we-EU angajoyina lesi sikhwama.

Uma kukhulunywa ngabatshalizimali, laba kungaba Abatshalizimali Abafanelekayo noma Amakhasimende Ochwepheshe.

'Umtshali-zimali Ofanelekayo', kufanele atshale imali ephansi engama- € 100,000, amemezele embhalweni ku-AIF ukuthi uyazi futhi azemukele izingcuphe asezothatha zona, futhi ekugcineni, umtshalizimali kumele abe; inkampani yomzimba noma inhlangano yomzimba eyingxenye yeqembu, umzimba ofakiwe wabantu noma inhlangano, i-trust, noma umuntu onezimpahla ezingaphezu kwe- € 750,000.

Umtshali-zimali 'oyiKlayenti Eliqeqeshiwe' kufanele abe nolwazi, nolwazi nekhono lokwenza izinqumo zakhe zokutshala imali nokuhlola ubungozi. Lolu hlobo lwabatshalizimali ngokuvamile; amabhizinisi adingekayo / agunyaziwe / alawulwa ukuthi asebenze ezimakethe zezezimali, ezinye izinhlaka ezifana nohulumeni kazwelonke nowesifunda, izinhlaka zomphakathi ezilawula izikweletu zomphakathi, amabhange amakhulu, izikhungo zomhlaba wonke nezangaphandle, nabanye abatshalizimali bezikhungo umsebenzi wabo omkhulu ukutshala imali izinsimbi. Ngaphezu kwalokho, amaklayenti angahlangabezani nezincazelo ezingenhla, angacela ukuba Amaklayenti Ochwepheshe.

Isikimu se-Maltese AIF singakhiwa nganoma iyiphi yalezi zimoto zebhizinisi ezilandelayo:

• Inkampani Yotshalomali ene-Variable Share Capital (SICAV)
• Inkampani Yotshalomali eneFixed Share Capital (INVCO)
• Ukubambisana Okulinganiselwe
• Isikhwama se-Unit Trust / Common Contractual Fund
• Inkampani Ehlanganisiwe Yamaseli.

Isikhwama Esinye Sezimali Sabatshalizimali (i-NAIF)

I-NAIF ingumkhiqizo waseMalta osetshenziswa ngabatshalizimali lapho befuna ukumaketha isikhwama sabo, ngaphakathi kwe-EU, ngendlela esheshayo nephumelelayo.

Umphathi walesi sikhwama (Umphathi weSikhwama Esinye Sotshalomali - i-AIFM), uthatha wonke umthwalo we-NAIF, kanye nezibopho zayo. Ukulandela 'ukwaziswa', i-AIF ingangena emakethe ngezinsuku eziyishumi, inqobo nje uma yonke imibhalo etholwe yi-MFSA ihlelekile. Amaphrojekthi wezokuphepha ayisibonelo salokho okusetshenziselwa ama-NAIF.

Ngaphakathi kwalesi sikhwama, njengakwi-AIF, abatshalizimali bangaba ngabatshalizimali abafanelekile noma abaThengi abaqeqeshiwe. Kuphakathi kokuthi ungafaka isicelo senqubo 'yokwaziswa,' ngezidingo ezimbili kuphela; Abatshalizimali kumele ngamunye atshale okungenani ama- € 100,000, futhi kufanele amemezele ku-AIF naku-AIFM, embhalweni, ukuthi bayabazi ubungozi asebezobuthatha nokuthi bayabemukela.

Izici ezifanele ze-NAIF zifaka:

• Ngokuya ngenqubo yokwazisa eyenziwe yi-MFSA, esikhundleni senqubo yelayisense
• Kungavulwa noma kuvalwe kuphele
• Ayikwazi ukuzilawula
• Isibopho kanye nokuqapha kwenziwa yi-AIFM
• Ayikwazi ukusethwa njengeSikhwama Semali mboleko
• Awukwazi ukutshala imali kuzimpahla ezingezona ezezimali (kufaka phakathi izindlu nomhlaba).

Isikimu se-NAIF saseMalta singakhiwa nganoma iyiphi yalezi zimoto zebhizinisi ezilandelayo:

• Inkampani Yotshalomali ene-Variable Share Capital (SICAV)
• Inkampani Yotshalomali eneFixed Share Capital (INVCO)

• Inkampani Ehlanganisiwe Yeseli ye-SICAV (SICAV ICC)
• Iseli Elihlanganisiwe Lenkampani Yamaseli Ehlanganisiwe Eyaziwayo (i-RICC)
• Isikhwama se-Unit Trust / Common Contractual Fund.

Ukwenza okutshalwe ngokuhlanganyela kwezokuphepha okudluliswayo (UCITS)

Izimali ze-UCITS wuhlelo lokutshala imali oluhlanganyelwe, umkhiqizo wokuthengisa oketshezi futhi obala ongathengiswa futhi usatshalaliswe ngokukhululeka kuyo yonke i-EU. Zilawulwa yi-EU UCITS Directive.

IMalta inikeza inketho engabizi kakhulu, eguquguqukayo, ngenkathi ihlonipha ngokuphelele i-EU Directive.

I-UCITS, eyenziwe eMalta, ingaba ngesimo sezinhlobonhlobo zezinhlaka zomthetho ezahlukahlukene. Ukutshalwa kwemali okuyinhloko ukuphepha okudluliswayo nezinye izimpahla eziyimali ezingamanzi. I-UCITS nayo ingakhiwa njengesikhwama sesambulela, lapho amasheya angahlukaniswa abe izinhlobo ezahlukahlukene zamasheya, ngaleyo ndlela kwakheke izimali ezingaphansi.

Abatshalizimali kumele babe 'Abatshalizimali Abathengisayo,' okumele bazitshalele imali yabo ngendlela engeyona eyengcweti.

Uhlelo lwe-Maltese UCITS lungasungulwa nganoma iyiphi yalezi zimoto zebhizinisi ezilandelayo:

• Inkampani Yotshalomali ene-Variable Share Capital (SICAV)
• Ukubambisana Okulinganiselwe
• I-Unit Trust
• Isikhwama Esijwayelekile Senkontileka.

Isifinyezo

Kunezimali ezahlukahlukene ezahlukahlukene eMalta futhi nezeluleko zochwepheshe, ezivela enkampanini efana ne-Dixcart, kufanele zithathwe, ukuqinisekisa ukuthi uhlobo lwesikhwama olukhethiwe luhlangabezana kangcono nezimo ezithile kanye nezinhlobo zotshalomali otshala imali esikhwameni.

Ulwazi Olwengeziwe

Uma udinga olunye ulwazi maqondana nezimali eMalta, sicela ukhulume no UJonathan Vassallo: iseluleko.malta@dixcart.com, ehhovisi le-Dixcart eMalta noma koxhumana naye ojwayelekile we-Dixcart.

'ESG' kanye Nokutshalwa Kwezimali Ezihlaza - iGuernsey Green Fund

Ukutshalwa kwezimali kwezemvelo, ezenhlalakahle kanye nokubusa ('ESG') kanye neGreen Finance kukhuphuke kwafinyelela phezulu ezinhlelweni zokulawula kanye nezokutshalwa kwezimali, njengoba umfutho oqinile wokwenza njengabanakekeli ababandakanyeka kangcono, abakhuthele kakhulu boshintsho lwe-ESG yomhlaba wonke uqhubeka.

Lolu shintsho lulethwa ngobubanzi bezinsizakalo zezezimali.

Ukulethwa, Isu kanye Nobungcweti

Izikhungo, ihhovisi lomndeni kanye namasu ahlakaniphile abatshalizimali abazimele ayathuthuka ukuze afake izici ezinkulu zokutshalwa kwezimali kwe-ESG - kodwa lawo mathuba okutshala izimali alethwa kanjani?

Izindlu zokutshalwa kwezimali ezizimele kanye nezikhungo kanye namahhovisi emindeni ayaqhubeka nokwakha amaqembu abeluleki ochwepheshe ukuze aqondise amasu abo e-ESG futhi anikeze lawa masu nobungcweti kubatshalizimali abaningi, ngokusebenzisa izinhlaka zesikhwama ezintsha nezikhona.

Emaqenjini amasha abatshali-zimali, kungaba yisikhungo, ihhovisi lomndeni noma elinye, abheke ukulawula ngokuqondile nokuletha amasu awo e-ESG, ukwakheka kwesikhwama kuyinkambiso eyamukelwa emhlabeni wonke yokulethwa.

I-Guernsey Green Fund Credibility

Ngo-2018 i-Guernsey Financial Services ('GFSC'), yashicilela imithetho ye-Guernsey Green Fund, edala umkhiqizo wokuqala wesikhwama sokutshala imali olawulwayo emhlabeni.

Inhloso ye-Guernsey Green Fund ukuhlinzeka ngenkundla lapho ukutshalwa kwezimali ezinhlelweni ezihlukene zemvelo kungenziwa khona.

I-Guernsey Green Fund ithuthukisa ukufinyelela kwabatshalizimali endaweni yokutshala imali eluhlaza ngokuhlinzeka ngomkhiqizo othembekile futhi osobala onikela ezinhlosweni okuvunyelwene ngazo ngamazwe ngamazwe zokunciphisa ukulimala kwemvelo nokushintsha kwesimo sezulu.

Abatshalizimali ku-Guernsey Green Fund bayakwazi ukuthembela ekuqokweni kwe-Guernsey Green Fund, okuhlinzekwe ngokuhambisana nemithetho ye-Guernsey Green Fund, ukuze bamelele uhlelo oluhlangabezana nemibandela eqinile yokufaneleka yokutshala imali eluhlaza futhi olunenjongo yokuba nomthelela omuhle ku- imvelo yeplanethi.

Ukuletha i-Guernsey Green Fund

Noma yiliphi ikilasi lesikhwama sase-Guernsey lingazisa ngenhloso yalo yokuqokwa njenge-Guernsey Green Fund; kungakhathaliseki ukuthi ibhalisiwe noma igunyaziwe, ivuliwe noma ivaliwe, inqobo nje uma ihlangabezana nemibandela yokufaneleka.

I-GFSC izoqoka i-Guernsey Green Funds kuwebhusayithi yayo futhi igunyaze ukusetshenziswa kwelogo ye-Guernsey Green Fund ukuthi isetshenziswe ezintweni zayo ezihlukahlukene zokumaketha nolwazi (ngokuhambisana nemihlahlandlela ye-GFSC mayelana nokusetshenziswa kwelogo). Ngakho-ke isikhwama esifanelekile singabonisa ngokucacile igama laso le-Guernsey Green Fund kanye nokuthobela Imithetho Yesikhwama Sase-Guernsey Green.

Njengamanje i-GFSC isemkhankasweni wokubhalisa ilogo ye-Guernsey Green Fund njengophawu lokuhweba newebhusayithi ye-Intellectual Property Office yase-Guernsey.

Izinsizakalo Zesikhwama Se-Dixcart e-Guernsey

Sibona izinhlaka ze-Guernsey Private Investment Fund ezingathinteki kalula, ezivaliwe njengezikhanga ikakhulukazi emahhovisi emindeni nakubaphathi bamaqembu abatshalizimali abazimele, abafuna ukulawula okuqondile nokuletha amasu okutshalwa kwezimali e-ESG.

Sisebenza ngokuqondile nabeluleki bezomthetho abangongoti kanye nabaphathi bokutshalwa kwezimali ukuze balethe, baphathe futhi baphathe izakhiwo zesikhwama.

Ulwazi Olwengeziwe

Ukuze uthole ulwazi olwengeziwe mayelana Nezinsizakalo Zesikhwama Se-Dixcart e-Guernsey nokuthi ungaqala kuphi, sicela uthinte USteve de Jersey, ehhovisi lika-Dixcart e-Guernsey: iseluleko.guernsey@dixcart.com.

Background

IMalta sekuyisikhathi eside iyinketho esungulwe kubaphathi bezikhwama abafuna ukusetha kumandla aziwayo e-EU ngenkathi kubiza imali.

Hlobo Luni Lwezimali Ezinikezwa IMalta?

Selokhu iMalta yaba yilungu le-EU e2004, ifake imibuso eminingi yezikhwama ze-EU, ikakhulukazi; 'i-Alternative Investment Fund (i-AIF)', 'Okwenziwe Kokutshalwa Kwezimali Okuhlanganyelwe Kwezokuphepha Okudlulisekayo (UCITS), kanye' neProfessional Investor Fund (PIF) '.

Ngo-2016 iMalta iphinde yethula i-'Allified Alternative Investment Fund (NAIF) ', kungakapheli izinsuku eziyishumi zebhizinisi ngemuva kokugcwaliswa kwemibhalo yezaziso, iMalta Financial Services Authority (MFSA), izofaka i-NAIF ohlwini lwayo oluku-inthanethi lwama-AIF azisiwe ngokuma okuhle . Isikhwama esinjalo sihlala sithobela ngokuphelele i-EU futhi sizuza namalungelo wokungena e-EU.

Izinhlelo Zokutshala Ngokuhlanganyela

Uchungechunge lwe Imiyalo ye-European Union ukuvumela izinhlelo zokutshala imali ngokuhlanganyela ukusebenza ngokukhululeka kuyo yonke i-EU, ngesisekelo sokugunyazwa okukodwa kusuka kokukodwa izwe elilunga. 

Izici zalezi zimali ezilawulwa yi-EU zifaka:

• Uhlaka lokuhlangana kwemingcele phakathi kwazo zonke izinhlobo zezimali ezilawulwa yi-EU, ezivunyelwe futhi zamukelwa yizwe ngalinye lelungu.
• Ukuwela umngcele i-master-feeder izakhiwo.
• Iphasiphothi yenkampani yabaphathi, evumela isikhwama esilawulwa yi-EU esisungulwe ezweni elilodwa lelungu le-EU ukuthi siphathwe yinkampani yokuphatha kwesinye isimo selungu.

Ilayisense Yesikhwama Se-Dixcart Malta

Ihhovisi le-Dixcart eMalta liphethe ilayisense lesikhwama ngakho-ke linganikezela ngemisebenzi ehlukahlukene kubandakanya; ukuphathwa kwezimali, ukubalwa kwezimali kanye nokubikwa kwabaninimasheya, izinsizakalo zobunobhala bezinkampani, izinsizakalo zabaninimasheya kanye nokulinganisa.

Izinzuzo Zokusungula Isikhwama eMalta

Inzuzo ebalulekile yokusebenzisa iMalta njengamandla okusungula isikhwama okonga izindleko. Izimali zokusungula isikhwama eMalta nezinsizakalo zokuphatha isikhwama ziphansi kakhulu kunezinye iziphathimandla eziningi. 

Izinzuzo ezinikezwa iMalta zifaka: 

• Izwe Elilungu Le-EU kusukela ngo-2004
• Isikhungo sosizo lwezezimali esihlonishwa kakhulu, iMalta ibekwe phakathi kwezikhungo ezintathu eziphezulu zezezimali kwi-Global Financial Centers Index
• Isilawuli esisodwa se-Banking, Securities and Insurance - sifinyeleleka kalula futhi sinamandla
• Abahlinzeki bemisebenzi esezingeni elilawulwayo emhlabeni wonke kuzo zonke izindawo
• Ochwepheshe abafanelekayo
• Izindleko zokusebenza eziphansi kunezinye iziphathimandla zaseYurophu
• Izinqubo zokusetha ezisheshayo nezilula
• Izakhiwo zokutshala imali eziguqukayo (ama-SICAV, ama-trust, ubambiswano njll.)
• Izisebenzi eziningi nezilimi eziningi - izwe elikhuluma isiNgisi elinabachwepheshe abavame ukukhuluma izilimi ezine
• Uhlu lwesikhwama eMalta Stock Exchange
• Kungenzeka kudalwe izimali zezambulela
• Imithethonqubo yokubusa kabusha isikhona
• Ithuba lokusebenzisa abaphathi besikhwama sangaphandle kanye nabagcini
• Isakhiwo sentela esincintisana kakhulu ngaphakathi kwe-EU, kodwa esivumelana ngokuphelele ne-OECD
• Inethiwekhi enhle kakhulu yezivumelwano zentela ephindwe kabili
• Ingxenye ye-Eurozone

Yini Izinzuzo Zentela Yokusungula Isikhwama eMalta?

IMalta inombuso wentela omuhle nenethiwekhi Yesivumelwano Sentela Yesibili. IsiNgisi ulimi olusemthethweni lwebhizinisi, futhi yonke imithetho nemithethonqubo ishicilelwa ngesiNgisi.

Izimali eMalta zijabulela izinzuzo ezithile zentela, kufaka phakathi:

• Awukho umsebenzi wesitembu odabeni noma ukudluliswa kwamasheya.
• Ayikho intela kunani eliphelele lempahla yohlelo.
• Ayikho intela ebanjwayo kwizabelo ezikhokhelwe abangebona abahlali.
• Ayikho intela etholakalayo ekuthengisweni kwamasheya noma amayunithi ngabangewona abahlali.
• Ayikho intela etholakalayo ekuthengisweni kwamasheya noma amayunithi ngabahlali uma izabelo / amayunithi anjalo efakwe kuhlu eMalta Stock Exchange.
• Izimali ezingekho ezinqunyiwe zijabulela ukukhululwa okubalulekile, okusebenza kumholo nasenzuzweni yesikhwama.

Isifinyezo

Izimali zaseMalta zithandwa ngenxa yokuguquguquka kwazo nezici ezisebenza kahle zentela abazinikezayo. Izimali ezijwayelekile ze-UCITS zifaka phakathi imali yokulingana, izimali ezibophezelayo, izimali zemakethe yemali kanye nezimali zokubuyisa ngokuphelele.

Ulwazi Olwengeziwe

Uma udinga olunye ulwazi mayelana nokusungula isikhwama eMalta, sicela ukhulume noxhumana naye ojwayelekile we-Dixcart noma UJonathan Vassallo ehhovisi laseDixcart eMalta: iseluleko.malta@dixcart.com

Izimali Zotshalomali - Zokwakhiwa Kwengcebo Ezimele

Ngemva kokubonisana nezimboni ngo-2020, Ikhomishini Yezinsizakalo Zezezimali yaseGuernsey (GFSC) ibuyekeze Uhlelo lwayo Lwesikhwama Sokutshalwa Kwezimali Ezizimele (i-PIF), ukuze lwandise izinketho ezitholakalayo ze-PIF. Le mithetho emisha yaqala ukusebenza ngomhla zingama-22 kuMbasa wezi-2021 futhi ngokushesha yathatha indawo yeMithetho Yesikhwama Sokutshalwa Kwezimali sangaphambilini, ka-2016.

Umzila 3 - Izimali Zokutshalwa Kwezimali Ezizimele Zobudlelwane Bomndeni (PIF)

Lona umzila omusha ongadingi Umphathi Onelayisense we-GFSC. Lo mzila unika amandla uhlaka lwengcebo yangasese oluqanjiwe, oludinga ubudlelwano bomndeni phakathi kwabatshalizimali, ukuthi bakhelwe, okufanele lufeze le mibandela elandelayo:

1. Bonke abatshalizimali kufanele babe nobuhlobo bomndeni noma babe “isisebenzi esifanelekayo” somndeni okukhulunywa ngawo (isisebenzi esifanelekayo kulo mongo kufanele sihlangabezane nencazelo yomtshali-zimali ozimele ofanelekayo ngaphansi Komzila 2 – i-PIF Yomtshalizimali Ozimele Ofanelekayo);
2. I-PIF akumele imakethwe ngaphandle kweqembu lomndeni;
3. Ukukhushulwa kwezimali ngaphandle kobudlelwane bomndeni akuvunyelwe;
4. Isikhwama kufanele sibe nomqondisi oqokiwe wakwa-Guernsey, onelayisensi ngaphansi koMthetho Wokuvikela Abatshalizimali (Bailiwick of Guernsey) Law 1987, oqokelwe kuso; futhi
5. Njengengxenye yesicelo se-PIF, Umlawuli we-PIF kufanele anikeze i-GFSC isimemezelo sokuthi kunezinqubo ezisebenzayo zokuqinisekisa ukuthi bonke abatshalizimali bayayifeza imfuneko yomndeni.

Ingabe Le Nqola Izoba Nentshisekelo Ekhethekile Kubani?

Ayikho incazelo eqinile 'yobudlelwane bomndeni' enikeziwe, engavumela ubudlelwano obubanzi besimanje bomndeni kanye nezinguquko zomndeni okufanele zibhekelelwe.

Kulindeleke ukuthi i-Route 3 PIF izothakazelisa kakhulu imindeni namahhovisi omndeni anenani eliphakeme kakhulu, njengesakhiwo esivumelana nezimo lapho kungaphathwa khona izimpahla zomndeni namaphrojekthi okutshalwa kwezimali.

Indlela Entsha Yokuphathwa Kwengcebo Yomndeni Yesimanje

Ukuqashelwa kokwethenjwa okungokwesiko nezakhiwo zesisekelo kuyahlukahluka emhlabeni wonke, kuye ngokuthi indawo ethile iyawuqaphela yini umthetho ovamile noma umthetho womphakathi. Ukwehlukaniswa phakathi kobunikazi obusemthethweni nobuzuzisayo bezimpahla ngokuvamile kuba yisikhubekiso somqondo ekusetshenzisweni kwazo.

• Izimali ziqashelwa emhlabeni jikelele kanye nezinhlaka zokuphatha ingcebo ezibhekwa kahle futhi eziqondwa kahle futhi, endaweni yokwanda kwesidingo sokulawula, ukubeka izinto obala kanye nokuziphendulela, zihlinzeka ngenye indlela ebhaliswe ngokukhethekile nelawulwayo esikhundleni samathuluzi endabuko.

Izidingo zemindeni yesimanje kanye namahhovisi omndeni nazo ziyashintsha futhi izinto ezimbili ezicatshangelwayo manje ezivame kakhulu yilezi:

• Isidingo sokulawula okusemthethweni okukhulu, komndeni, ekuthathweni kwezinqumo kanye nempahla, engazuzwa iqembu elimele amalungu omndeni asebenza njengebhodi labaqondisi benkampani yokuphatha isikhwama; futhi;
• Isidingo sokubandakanyeka okubanzi komndeni, ikakhulukazi isizukulwane esilandelayo, esingavezwa kumqulu womndeni ohambisana nesikhwama.

Uyini Umqulu Womndeni?

Umqulu womndeni uyindlela ewusizo yokuchaza, ukuhlela kanye nokuvumelana izimo zengqondo namasu ezindabeni ezifana nemvelo, inhlalo kanye nokutshalwa kwezimali kwezokuphatha kanye nokusiza umphakathi.

Umthetho-sisekelo ungase futhi uchaze ngokusemthethweni ukuthi amalungu omndeni angathuthukiswa kanjani mayelana nemfundo, ikakhulukazi ezindabeni zezezimali zomndeni, kanye nokuzibandakanya kwawo ekuphathweni komcebo womndeni.

Umzila 3 we-PIF unikeza izinketho ezithandwayo nezivumelana nezimo kakhulu zokubhekana namasu ahlukene okusabalalisa ingcebo nokuphatha emndenini wonkana.

Izigaba ezihlukene zamayunithi esikhwama zingase zakhelwe amaqembu omndeni ahlukene noma amalungu omndeni, abonise amazinga ahlukene okubandakanyeka, izimo zomndeni ezihlukene, kanye nezimfuneko ezihlukene zeholo nokutshalwa kwezimali. Izimpahla zomndeni zingase ziqoqwe, ngokwesibonelo, kumaseli ahlukene ngaphakathi kwesakhiwo sesikhwama senkampani yeselula evikelekile, ukuze kuvunyelwe ukuphathwa kwezigaba zempahla ezihlukene ngamalungu athile omndeni kanye nokuhlukaniswa kwezimpahla ezihlukene nobungozi bokutshalwa kwezimali kuyo yonke ingcebo yemindeni.

Umzila 3 we-PIF ungavumela ihhovisi lomndeni ukuthi lakhe futhi lifakazele irekhodi lokuphatha utshalomali.

I-Dixcart nolwazi olwengeziwe

IDixcart inikwe ilayisense ngaphansi koMthetho Wokuvikela Abatshalizimali (iBailiwick yaseGuernsey) Law 1987 ukunikela ngezinsizakalo zokuphatha i-PIF, futhi iphethe ilayisense eligcwele lokuthembisa elinikezwe yiGuernsey Financial Services Commission.

Ukuze uthole ulwazi olwengeziwe mayelana nengcebo, izakhiwo kanye nokuhlelwa kokulandelana kanye nokusungulwa nokuphathwa kwezikhwama zomndeni ezizimele, sicela uthinte USteve de Jersey at iseluleko.guernsey@dixcart.com

Isikhwama Sabatshalizimali Esizimele SaseGuernsey 'esifanelekayo' (PIF)

Ngemuva kokubonisana nezimboni ngo-2020, iGuernsey Financial Services Commission (GFSC) ivuselele iRevenue Investment Fund yayo yangasese, ukukhulisa izinketho ze-PIF ezitholakalayo. Le mithetho emisha yaqala ukusebenza ngomhlaka 22 Ephreli 2021, yavele yathatha indawo yeMithetho Yesikhwama Sizimele Esizimele yango-2016.

Umzila 2 - I-Qualifying Private Investor (QPI), PIF

Lo ngumzila omusha ongadingi iMenenja enelayisense ye-GFSC.

Lo mzila, uma kuqhathaniswa nomzila wendabuko, unikeza izindleko ezincishisiwe zokusebenza nezokuphatha, ngenkathi kugcinwa into engaphakathi kwe-PIF ngokusebenza kahle kwebhodi kanye nendima eseduze, eqhubekayo yoMphathi onelayisense oqokiwe waseGuernsey.

I-Criteria

I-PIF yomzila 2 kufanele igcwalise le mibandela elandelayo:

1. Bonke abatshalizimali kumele bahlangabezane nencazelo yoMtshalizimali Ozimele Ofanelekayo njengoba kuchaziwe Emithethweni nasesiKhwameni Sokutshalwa Kwezimali Ezizimele (1), 2021. Kulesi simo incazelo ifaka phakathi amandla okwenza lokho;
   • ahlole ubungozi namasu okutshala imali kwi-PIF;
   • thwala imiphumela yokutshalwa kwemali ku-PIF; futhi
   • kuthwala noma yikuphi ukulahlekelwa okuvela kutshalo-mali
2. Abekho ngaphezu kwabantu abangama-50 abasemthethweni noma bemvelo abaphethe intshisekelo yezomnotho kwi-PIF;
3. Inani lokuhlinzekwa kwamayunithi wokubhaliselwe, ukuthengisa noma ukushintshaniswa akudluli kuma-200;
4. Isikhwama kumele sibe nomuntu oqokiwe ongumhlali waseGuernsey noMqondisi Onelayisense oqokiwe;
5. Njengengxenye yesicelo se-PIF, uMlawuli we-PIF kufanele anikeze i-GFSC isimemezelo sokuthi izinqubo ezisebenzayo zikhona ukuqinisekisa ukuvinjelwa kohlelo kuma-QPIs; futhi
6. Abatshalizimali bathola isitatimende sokudalula ngendlela enqunywe yi-GFSC.

I-PIF yomzila 2 izokhanga kubani?

I-Route 2 PIF izokhanga kakhulu kubaningi babagqugquzeli nabaphathi njengoba inciphisa ukwakheka okuphelele nezindleko eziqhubekayo ze-PIF, ngenkathi inikela izinga elifanele lomthethonqubo ekuphathweni okuthandwa kakhulu kweGuernsey.

Lo mzila uvumela i-PIF ukuthi ikwazi ukuzilawula (okungenzeka ukuthi yehlise izindleko) kepha ivumela ukuguquguquka kokuqokwa kweMenenja uma ufisa.

Lo mzila ulungele abaphathi bezokutshalwa kwezimali, ihhovisi lomndeni, noma amaqembu abantu ukwenza umlando wokulawulwa kotshalomali

I-GFSC iqaphele ukuthi imithetho emisha ye-PIF ayikhulisi noma iguqule incazelo 'yohlelo lokutshala imali ngokuhlanganyela'.

I-Dixcart nolwazi olwengeziwe

IDixcart inikwe ilayisense ngaphansi koMthetho Wokuvikela Abatshalizimali (iBailiwick yaseGuernsey) Law 1987 ukunikela ngezinsizakalo zokuphatha i-PIF, futhi iphethe ilayisense eligcwele lokuthembisa elinikezwe yiGuernsey Financial Services Commission.

Ngemininingwane engaphezulu ngezimali zokutshala izimali ezizimele, sicela uthinte USteven de Jersey at iseluleko.guernsey@dixcart.com