Wannan bazarar na iya zama na ƙarshe tare da ƙarancin ƙimar riba a yankin euro, a cewar Babban Bankin Turai (ECB) Duk idanu zasu mai da hankali kan ƙarshen shekara don sanin shawarar da zasu yanke game da manufofin kuɗin su, kodayake alamun suna nuna cewa lokacin da kuɗi mai arha na iya zuwa ƙarshe. Kuma ta yaya zai zama ƙasa da ƙasa, wannan shawarar ya kamata a canja shi zuwa kasuwannin daidaito watakila da sauri fiye da yadda manazarta harkokin kuɗi ke tsammani. Tare da bayyanar da sabbin damar kasuwancin da yakamata kuyi amfani dasu daga yanzu.
Wannan lamarin ya shafi wannan bazarar da zamu fara ba wani bane. Idan ba haka ba, akasin haka, zai zama wani abu ne daban kuma a kowane hali, ba za ku sami zaɓi ba sai dai ku kasance da shiri fiye da koyaushe don gudanar da ayyukanku a cikin kasuwannin daidaito. Bayan zangon karatu na farko na shekarar cewa ya kasance mafi kyau fiye da yadda ake tsammani kuma hakan zai ƙare tare da ɗan alamar tabbatacce bayan ƙididdigar kwanan nan a kasuwannin ƙasa da na duniya. Don fuskantar rabin ƙarshen shekara tare da mafi girman maganin positivism.
Koyaya, wannan bazarar zaku iya ɗaukar jerin dabarun saka hannun jari waɗanda zasu iya fifita bukatun ka a lokacin wadannan watanni na musamman. Domin a zahiri, idan lokacin bazarar nan zai kasance da halaye na wani abu, saboda saboda yana iya zama daban da na baya. Sabili da haka dole ne ku canza dabarun ku don sanya babban birnin da kuke da shi don saka hannun jari a wannan lokacin na shekara. Tare da manufa guda ɗaya kuma wannan ba wani bane illa haɓaka ribar da zaku iya samarwa a cikin jakar kuɗinku daga yanzu.
Dabarun: ƙimar dabi'u
Tactaya daga cikin dabarun da zaku iya amfani dasu daga yanzu shine zaɓar hannun jari wanda ya fi yawa a farkon rabin shekara. Ba abin mamaki bane, wasu daga cikinsu suna da juyi yuwuwa mafi girma kuma a kowane yanayi yana da matukar sha'awa don haɗa su a cikin jakar ku ta gaba. Amma yin taka tsantsan kuma shi ne cewa fannin fasaha bai lalace sosai ba sakamakon wani yunkuri da ke durkushewa wanda ya hana shi sauya yanayin wannan bazarar da za mu fara.
A gefe guda, ya fi dacewa da ka buɗe matsayi a cikin kamfanonin da aka lissafa waɗanda ba su fasa tallafin fasaha ba. Domin idan kun aikata shi ta hanyar da ba ta dace ba, babu shakka kuna cikin haɗarin samun sabo da haɗari tafiya ƙasa wanda zaku iya asarar Euro da yawa akan hanya. Fiye da sauran ƙididdigar fasaha kuma wataƙila kuma daga mahangar abubuwan yau da kullun. A kowane ɗayan al'amuran, dole ne su kasance ayyukan da aka tsara don mafi gajeren lokacin. Kamar watannin da rani ya cika.
Tattara babban riba
Wani dabarun da zaku iya amfani dasu don wannan bazarar, idan kuna tare da riba cikin daidaito a cikin farkon watanni shida na shekara shine rabu da matsayi. Ko dai ta hanyar tallace-tallace na bangare ko na duka don ku ji daɗin babban ribar da aka samu a cikin waɗannan watanni na hutu da hutawa. Kari akan haka, yana iya zama kyautar da ba zato ba tsammani ka yi wannan tafiya da ka daɗe kana so kuma har yanzu ba ka iya yi ba. A wannan ma'anar, kasuwannin daidaiton na iya ba ku kuɗin ruwa da kuke buƙata don aiwatarwa.
Wannan tsarin saka jari shima yana baku damar zaka iya shiga ja a cikin matsayin ku na budewa a kashi na biyu na shekara. Duk da yake a ɗaya hannun, za ku kasance mai da hankali fiye da koyaushe ga sababbin damar kasuwancin da kasuwannin daidaito za su samar muku a cikin waɗannan watanni. A gefe guda, kuma kamar yadda masu saka jari da ke da ƙwarewa a cikin kasuwannin hannayen jari ke faɗi, koyaushe ana fi so "tsuntsu a hannu sama da ɗari da ke tashi". Aiwatar da wannan shawara mai amfani a cikin jarin ku na wannan shekara. Aƙalla za ku guji wasu matsaloli a cikin ciniki akan kasuwar hannun jari.
Raba Raba rani
A gefe guda, ba za ku iya mantawa a ƙarƙashin kowane bangare cewa wannan lokaci ne na shekara wanda rabon riba ga masu hannun jarin ya fi yawa. Kamfanoni da aka jera suna amfani da watannin bazara don ba da wannan kuɗin. Tare da dawowa shekara-shekara cewa kewayon tsakanin 5% da 7% kusan sama da ribar da aka samo daga samfuran banki daban-daban. Misali, ajiyar ajali na ƙayyadaddun lokaci, lambobin kamfanoni ko asusun masu karɓar kuɗi waɗanda da ƙyar suke ba da sha'awa sama da 1%.
Ana iya amfani da wannan lokacin na shekara don zaɓar wannan rukunin kamfanonin da zasu ba da ƙarfin kariya ga saka hannun jari da yiwuwar gina ƙayyadaddun fayil a cikin m. Duk abin da ya faru a cikin kasuwannin adalci a cikin watanni masu zuwa. Bugu da kari, zai zama hanya ta asali don kare ku daga rashin zaman lafiyar da kasuwannin hada-hadar kudi ke gabatarwa a cikin wadannan watannin. Don haka ta wannan hanyar, zaku iya tafiya cikin nutsuwa don yin hutu tare da ƙaunatattunku kuma ba tare da manyan damuwa game da alaƙar ku da ɓangaren saka hannun jari ba.
Guduwa daga banki
Shakka babu daya daga cikin bangarorin da ke rikici sosai a watannin bazara shine wanda bankuna ke wakilta. Yana da matukar damuwa ga yanke shawara waɗanda za'a iya ɗauka daga Babban Bankin Turai (ECB), sabili da haka na iya haɓaka asara mafi girma fiye da sauran sassan kasuwar hannun jari. Abinda ya fi dacewa shine ka guji buɗe matsayi a wannan ɓangaren a wannan lokacin na shekara. Domin ba ku da wasu abubuwan ban mamaki na ban mamaki yayin hutunku da kuka daɗe. Ba abin mamaki bane, wasu ƙimominsa suna cikin nutsuwa a bayyane daga dukkan lokutan dawwama: gajere, matsakaici da babba.
Bugu da kari, ba shine mafi kyawun bangaren bude mukami a gaban volatility Suna nuna ayyukansu a cikin waɗannan har ma a cikin watanni goma sha biyu da suka gabata. A wannan ma'anar, rage darajar da Banco Sabadell ya samu a farkon rabin shekarar ba za a iya lura da shi ba. Inda ya haifar da kimar ta riga ta ƙasa da sashin euro kuma hakan ya haifar da ƙanana da matsakaitan masu saka hannun jari sun yi asara mai yawa a waɗannan matsayi a cikin banki. Dalilin da yafi isa kada a koma wannan kasuwar kasuwar hannun jari, aƙalla na aan watanni kaɗan.
Bar jaka a lokacin rani
A cikin wannan watannin hutu, kyakkyawan ra'ayi shine nisanta daga kasuwannin daidaito. Don zuwa samfuran da suka fi sauƙi kuma hakan na iya samar da kwanciyar hankali a wannan lokacin na shekara. Tare da mafi karancin dawowar kusan 1%, amma ta hanyar tabbatacciyar hanya kuma ba tare da kun sami damar samun asara ta kowane iri ba. Tare da samfuran wakilci azaman ajiyar banki na ƙayyadadden lokaci kuma a halin yanzu zaku iya yin kwangilar su na tsawon shekaru uku. Lokacin da ya dace wanda wannan lokacin na shekara yana wanzuwa kuma yana aiki azaman gada na gada yayin da kuke ɓata lokacin hutunku a wani wurin. Kasancewa a ɗaya ɓangaren, samfurin kyauta na kwamitocin da sauran kuɗaɗe a cikin sarrafawa ko kiyaye shi.
Wannan dabarun saka hannun jari yana da inganci sosai don ku kasance kwantar da hankalin kwanakin nan na hutu Kuma ba lallai ne ku damu da farashin kan kasuwannin daidaito ba. Wannan gwargwado na ɗan lokaci ne amma yana iya zama mai tasiri sosai wajen kare matsayin kuɗin ku daga yanzu. Inda ba lallai ne ku ɗauki kowane irin haɗari ba tunda ƙayyadadden tsarin tanadi ne wanda yake buɗe ga duk bayanan martaba waɗanda ƙanana da matsakaitan masu saka jari ke gabatarwa. Sama da sauran ƙididdigar fasaha waɗanda zasu zama batun wani labarin.
Je zuwa madadin kasuwanni
A ƙarshe, nuna cewa wani tallafi wanda dole ne ka kare kanka daga yanayin da ba'a so a kasuwannin kuɗi ya dogara da madadin kasuwanni. Kamar misali, cewa na karafa masu daraja wanda a halin yanzu ke nuna kyakkyawan yanayin fasaha. Kodayake akasin haka, haɗarin suna da yawa fiye da sauran shawarwarin saka hannun jari. Saboda tasirinta yana da girma sosai kuma yana iya haifar da mummunan wasa a cikin matsayin ku a cikin wannan kasuwar ta musamman.
A gefe guda, babu kokwanto cewa lallai ne ku samar da gogewa sosai a cikin irin waɗannan ayyukan tunda kasuwanninsu ya bambanta da na al'ada. Idan baku cika wannan buƙatar ba, zai fi muku kyau ku guji yin kowane irin aiki. Ba abin mamaki bane, zaku sami damar barin Yuro da yawa akan hanya. Kuma wannan wani abu ne da yakamata ku guji musamman a irin wannan watanni masu haɗari ga duk kasuwannin daidaito. A matsayin daya daga cikin manyan manufofin ka a dabarun da dole ne ka dauki su a wannan lokacin na shekara.