WEBVTT 00:00.096 --> 00:07.174 Kutheni ingxowa-mali yembuyekezo ye-AHV yaseSwitzerland, kuquka nemali egciniweyo yomhlalaphantsi, ingena phantsi kolawulo 00:07.174 --> 00:12.020 lwebhanki engumgcini waseMelika, oko kukuthi, umphathi we-asethi. 00:12.020 --> 00:17.891 Ngokufanayo neJamani, iintlawulo zepenshoni zenyanga kubathathi-penshoni baseSwitzerland 00:17.891 --> 00:25.091 zihlawulwa yi-Old Age and Survivors' Insurance (AHV) ukusuka kwinkqubo ekuthiwa yi-pay-as-you-go. 00:25.091 --> 00:32.878 Oku kuthetha ukuba iintlawulo zepenshoni zangoku zenziwa ngeminikelo yenyanga yabantu abasebenzayo. 00:32.878 --> 00:39.956 Ngokungafaniyo neJamani, iSwitzerland isenayo ingxowa-mali yembuyekezo ye-AHV/IV/EO egcwele kakuhle, enee-asethi 00:39.956 --> 00:43.993 ezixabisa malunga ne-40 yeebhiliyoni zee-Swiss franc. 00:43.993 --> 00:53.186 Le mali yeyabemi kwaye isebenza njengengqekembe yentlawulo yepenshoni eqhubekayo yonyaka omnye. 00:53.186 --> 00:59.376 Le mali ilawulwa yi-Compenswiss, umbutho woluntu othiwa uzimele weManyano 00:59.376 --> 01:04.747 yaseSwitzerland, wasekwa ngo-2017 kwaye usekelwe eGeneva. 01:04.747 --> 01:10.491 Ngenxa yoko iCompenswiss ayilawuli nje kuphela iintlawulo zepenshoni zenyanga kubathathi-penshoni 01:10.491 --> 01:17.003 abafanelekileyo, kodwa ikwalawula nengxowa-mali yembuyekezo enezigidi ezingama-40 zeebhiliyoni. 01:17.003 --> 01:26.856 Ewe kona, le mali ayigcinwa kwisifihlo esithile, kodwa ityaliwe kwizibambiso ngokungqinelana nemigaqo, kwaye iCompenswiss 01:26.856 --> 01:32.670 idinga ibhanki engumgcini ukuze ibambe ezi zibambiso. 01:32.670 --> 01:38.216 Kude kube ngoku, umgcini wale mali ingange-40 yeebhiliyoni kwi-securities ibiyeyona bhanki inkulu 01:38.216 --> 01:42.051 yaseSwitzerland, i-UBS. Kodwa loo nto ingembali ngoku. 01:42.051 --> 01:49.200 Emva kwenkqubo yetenda, iCompenswiss yagqiba kwelokuba ezi zibhiliyoni ezingama-40 zefranki zaseSwitzerland kwiimali ze-AHV 01:49.200 --> 01:53.769 zingaphathwa ngumbhanki waseSwitzerland, kodwa zithwaliswe isebe laseJamani leBhanki 01:53.769 --> 01:58.088 yaseMelika iState Street Bank, elinikomkhulu eBoston. 01:58.088 --> 02:04.919 I-State Street, kunye ne-BlackRock ne-Vanguard, yenye yezona nkampani zinkulu zolawulo lwe-asethi ehlabathini, kwaye ubukhulu 02:04.919 --> 02:10.360 bayo obugqithisileyo buyinika amandla angalinganiseki anokubakho. 02:10.360 --> 02:15.677 Noko ke, oku kuza nemingcipheko emikhulu kakhulu kwiSwitzerland nakwimali yabathathi-mhlalaphantsi. 02:15.677 --> 02:24.482 Le yayiyisihloko esiphambili se-NZZ (Neue Zürcher Zeitung) ngomhla we-7 ku-Okthobha 2024: 02:24.482 --> 02:31.581 "Iimfuno zase-US nezeSwitzerland azisoloko zihambelana. Xa kwakurhoxiswa imfihlo yebhanki, umzekelo, 02:31.581 --> 02:39.480 sabona indlela abantu baseMelika abazityhalele ngayo iimfuno zabo xa bekuthandabuza," utsho uMatter. 02:39.480 --> 02:44.896 Kwiimeko ezimandundu, ibhanki engumgcini ingakwazi ukwala ukuhambisa izibambiso. Kwimeko kaxakeka, 02:44.896 --> 02:51.760 iBhunga leFederal lineendlela ezingcono zokuthatha amanyathelo kunye nebhanki yaseSwitzerland. 02:51.760 --> 02:56.764 I-Compenswiss ngoku ibone kufanelekile ukunciphisa ubungozi obu yaza yakhupha ingxelo 02:56.764 --> 03:00.520 ekhutshelwe kwabezindaba ngomhla we-11 ku-Okthobha. 03:00.520 --> 03:04.877 Kwi-NZZ, i-Compenswiss ibhala, phakathi kwezinye izinto : 03:04.877 --> 03:12.743 Ingozi yokuba abasemagunyeni base-US bathintele i-asethi yahlalutywa yi-Compenswiss njengenxalenye yetendara. 03:12.743 --> 03:19.960 Ukubakho kwalo mngcipheko kwakuthathwa njengento enokwenzeka kancinci kakhulu. Ingaba kunjalo? 03:19.960 --> 03:26.107 Unjingalwazi womthetho weebhanki uGqr. Rolf Sethe waseYunivesithi yaseZurich uyayithandabuza le nto: 03:26.107 --> 03:31.957 Ewe, kwiimeko ezigqithisileyo, i-US ingakwazi ukufikelela kwiingxowa-mali zembuyekezo ze-AHV, IV kunye ne-EO 03:31.957 --> 03:38.347 nge-State Street. Oku kungenxa yokuba i-State Street iphethe izixhobo zezemali zeengxowa-mali zembuyekezo. 03:38.347 --> 03:44.889 "Ukuba ufuna ukurhoxisa ezi kwi-akhawunti yogcino, kufuneka uyalele i-State Street ukuba izidlulisele kwi-akhawunti 03:44.889 --> 03:51.665 yogcino kwelinye ibhanki yogcino," utsho uRolf Sethe, unjingalwazi womthetho weebhanki kwiYunivesithi yaseZurich. 03:51.665 --> 03:59.913 Oku kuthetha ukuba ngaphandle kwentsebenziswano yeState Street njengebhanki engumgcini, i-AHV ayinakukwazi ukurhoxisa i-asethi. 03:59.913 --> 04:06.270 Oku kusebenza kungakhathaliseki ukuba izixhobo zezemali zigcinwe phi na. 04:06.270 --> 04:12.763 Njengebhanki yase-US, i-State Street iphantsi komthetho wase-US. Ukuba urhulumente wase-US ebenokubeka 04:12.763 --> 04:19.894 izohlwayo eSwitzerland, ibhanki ibiya kunyanzeleka ukuba izithobele," uqhube watsho uSethe. 04:19.894 --> 04:26.927 Njengoko i-US isoloko isebenzisa imithetho yayo ngaphandle kwemingcele yayo, kunokwenzeka ukuba ingayalela ibhanki 04:26.927 --> 04:31.601 ukuba izinyanzelise nezi zohlwayo ngezikhululo zayo zaseYurophu. 04:31.601 --> 04:36.880 I-Compenswiss inegunya kwinkampani engaphantsi kwe-State Street eseMunich. 04:36.880 --> 04:44.741 Ukujonga indlela ephatha ngayo urhulumente wase-US kule minyaka ingama-50 idlulileyo, akuyonto ingenakwenzeka, kodwa kunokwenzeka 04:44.741 --> 04:52.698 kakhulu, ukuba i-US iza kuthintela okanye ide ibe yiba ipropathi yangaphandle xa kukho izohlwayo okanye iingxabano. 04:52.698 --> 04:58.780 ISwitzerland sele inamava angathandekiyo kwaye abiza kakhulu ngale nto. 04:58.780 --> 05:04.485 Emva kweMfazwe yesiBini yeHlabathi, iSwitzerland yanyanzelwa ukuba ihlawule isikota sebhiliyoni yeeSwiss francs (imali 05:04.485 --> 05:11.513 eninzi kakhulu ngelo xesha) ngezahlulo phantsi kweSivumelwano saseWashington ngenxa yokungathathi nxaxheba kule mfazwe. 05:11.513 --> 05:17.284 Ekugqibeleni, intlawulo ebifunwa yancitshiswa ngamashumi amahlanu epesenti. 05:17.284 --> 05:24.394 Nangona iSwitzerland ingazange iziphathe "i-asethi ezithiwa zezingenabanini" emva kweMfazwe yesiBini yeHlabathi – ayizange 05:24.394 --> 05:33.380 izenze zinyamalale ngokuzithimba kurhulumente njengamanye amazwe – yanyanzeleka ukuba ihlawule izigidi ngezigidi njengembuyekezo. 05:33.380 --> 05:40.189 Imfihlo yebhanki, ebisebenza nakubantu bangaphandle, yasuswa eSwitzerland ngokunyanzeliswa ngokwezimali ngokusongela 05:40.189 --> 05:45.080 ngokuyikhupha kwiintengiselwano zentlawulo zamazwe ngamazwe. 05:45.080 --> 05:50.818 Okokugqibela, kodwa kungekuko kancinci, i-UBS yanyanzelwa ukuba ithathe i-Credit Suisse eyayisengxakini phantsi 05:50.818 --> 05:56.994 koxinzelelo oluvela kulawulo lwaseMelika, ngaloo ndlela yenza umngcipheko omkhulu kubahlawuli berhafu baseSwitzerland. 05:56.994 --> 06:06.234 I-Kla.TV inike ingxelo ngale nto ngomhla wama-28 kuTshazimpuzi 2023 nange-24 kuNovemba 2023. 06:06.234 --> 06:15.504 Kwixesha elisand' ukudlula, i-USA ibonakalise ngokubanzi indlela ejongana ngayo nempahla yamanye amazwe xa ibeka izohlwayo kuwo. 06:15.504 --> 06:22.656 Ulawulo lwaseMelika lufake izohlwayo eRashiya kwaye, ngokwenza oko, lwathintela i-260 yeebhiliyoni 06:22.656 --> 06:27.368 kwihlabathi jikelele eziyeyebhanki iRussian National Bank. 06:27.368 --> 06:33.243 I-US ayizange ibe neengxaki ngempahla yabanye abantu. 06:34.800 --> 06:41.093 Yintoni eyakhuthaza inkampani enkulu yebhanki i-State Street ukuba ingenele isicelo kwitenderi ye-Compenswiss 06:41.093 --> 06:45.910 kwaye ithathe indawo ye-UBS njengomphathi we-asethi? 06:45.910 --> 06:53.112 Kutheni isigunyaziso sokulawula i-asethi ye-AHV sinikwe omnye umphathiswa, ngoku ongumntu wasemzini? 06:53.112 --> 06:59.680 Yintoni eyenzelwe kakubi ngumphathiswa omdala, i-UBS? Yintoni eyenza i-State Street ibe ngcono? 06:59.680 --> 07:07.367 Ngokwesiqhelo, umrhumo wonyaka wokugcinwa ohlawuliswa yibhanki egcina impahla uxhomekeke phakathi kwe-0.01% 07:07.367 --> 07:15.982 ne-0.05% yempahla elawulwayo, kuxhomekeke kubunzima bolawulo lwempahla kunye neenkcukacha zesivumelwano. 07:15.982 --> 07:24.267 Nge-asethi ze-CHF 40 yeebhiliyoni, oku kungangqina malunga ne: 1,234,321 Kwi-0.01%: i-CHF 4 lezigidi 07:24.267 --> 07:30.560 ngonyaka 1,234,321 Kwi-0.05%: i-CHF 20 lezigidi ngonyaka 07:30.560 --> 07:39.116 Nangona kunjalo, ingeniso yehlabathi yeState Street Corporation ifikelele kwi-USD 18.36 yeebhiliyoni 07:39.116 --> 07:48.430 ngo-2023, uninzi lwayo luvela kugcino-lwabiwo, kulawulo lwe-asethi nakwezinye iinkonzo zezemali. 07:48.430 --> 07:54.611 Iimarike zaseSwitzerland naseJamani mhlawumbi zenza isabelo esincinci soshishino luphela, ingakumbi 07:54.611 --> 07:59.640 kwindima yokuba yibhanki engumgcini we-asethi zamaziko. 07:59.640 --> 08:05.184 Xa ucinga ukuba nomakhulu ekufuneka aluke ixesha elide ukuze afumane i-CHF 4 yezigidi, abaphathi 08:05.184 --> 08:11.033 baseSwitzerland/eJamani baseState Street kumele ukuba bayibhiyozele ingeniso yalo myalelo. 08:11.033 --> 08:17.858 Ngokomthetho, ukuphumelela itenda kuhlala kubhiyozelwa ngokufanelekileyo, kuba ukuba ibingazuzisi, bekungenakwenzeka 08:17.858 --> 08:21.780 ukuba umntu abe nentswela-ntloko yokuthatha inxaxheba kuyo. 08:21.780 --> 08:29.175 Nangona kunjalo, ukuba nengeniso eninzi akusoloko kuthetha ukuba uphumelele nje ukufumana imali engenayo engapheliyo eya 08:29.175 --> 08:33.990 kuhlawulela iindleko zakho; kusenokubakho nezinye izizathu. 08:33.990 --> 08:39.700 Kwaye njengabaxhasi be-AHV, ngokwemvelo singaba nomdla kuwezo. 08:39.700 --> 08:45.409 Ingaba iinjongo zokwenene zisenokuba zezokuba, phantsi komthetho waseMelika, i-asethi 08:45.409 --> 08:50.200 ye-AHV ingavalwa ngenxa yezizathu ezibuthathaka? 08:52.088 --> 08:58.178 Phakathi kwezi ngxoxo, ezinye iimpolitiki sele zibongoza ukuba i-asethi zoluntu zilawulwe 08:58.178 --> 09:02.289 ngokuzimeleyo kwiibhanki ezinkulu zaseMelika kwixesha elizayo. 09:02.289 --> 09:10.380 Bafuna ulawulo olukhulu nokungafihli nto malunga nendlela nendawo imali yengxowa-mali ye-AHV etyaliwa kuyo. 09:10.380 --> 09:18.723 Eli tyala lichaphazela wonke umntu ohlala eSwitzerland. Limalunga nemali neepenshoni zabo bonke abahlali. 09:18.723 --> 09:23.940 I-asethi ze-AHV kufuneka zihlale eSwitzerland kwaye ziphantsi kolawulo lwaseSwitzerland! 09:23.940 --> 09:27.811 Ungalunika ilizwi lakho kule mfuno ngokuxhasa iphulo nesicelo sephephandaba saseSwitzerland 09:27.811 --> 09:32.835 i-Schweizerzeit, esithi, "Das AHV-Vermögen bleibt in der Schweiz" (Ubutyebi be-AHV buhlala eSwitzerland). 09:32.835 --> 09:39.094 Ixesha lokuqokelela liya kude kube sekupheleni kukaJanuwari 2025. Ungalufumana uxwebhu lokusayina kwibhokisi 09:39.094 --> 09:42.513 yolwazi eluhlaza okwesibhakabhaka engezantsi kwale nkqubo.