Baninzi abatyali mali abancinci nabaphakathi abafuna ukufumana iiasethi zemali ezinomdla kakhulu ukwenza ukonga kwabo kunenzuzo ngaphaya kwezindululo zentengiso yesitokhwe. Ewe, kweli qela ezinye izimvo ezicetyiswayo zimelwe kukudibana kweJamani kunye oro. Unayo amandla aphezulu engaphezulu kolunye ukhetho olunenzuzo ngakumbi ngalo mzuzu. Ngaphandle kwesibonelelo esongeziweyo sokuba banokuba luncedo kakhulu kwiimeko ezingathandekiyo kwiimarike zezemali. Ukuya kwinqanaba lokuba banokubanenzuzo yokwenyani kwezi meko zinokuphuhla nangaliphi na ixesha.
Zombini iibhondi zaseJamani kunye nentsimbi etyheli zihamba umzuzu omnandi kakhulu kwizicatshulwa zazo. Ukumema abatyali zimali ukuba bathathe izikhundla ukususela ngoku ukuya phambili. Ngesiqinisekiso esikhulu ekusebenzeni kwaye apho kuninzi ngakumbi ekufuneka uzuze kunokulahleka. Yinto ekufuneka uyithathele ingqalelo xa ucwangcisa ipotifoliyo yakho yotyalo-mali kwiinyanga ezizayo okanye kwiminyaka. Kungenxa yokuba awunyanzelekanga ukuba uzinciphise ngokukodwa kwimarike yemasheya kunye neemveliso zezemali ezinxulunyaniswe ngokusondeleyo kule marike ithandwa kakhulu kubatyali mali abaninzi.
Ukusuka kule meko ngokubanzi, mininzi imirhumo enokuthi ikunike ezi zinto zimbini zibalulekileyo zezezimali. Inye nganye ngokwembono zabo kwaye oko kunokuthetha utshintsho olunomdla kakhulu kutyalo-mali lwakho ukusukela ngoku. Ngoyilo oluthile loqobo kunye nolwakhiwo olutsha njengesiphumo sokufuna ingeniso engcono ngamathuba amatsha aveliswe ziimarike zezemali. Konke kwimeko ye-atypical ngakumbi kunangaphambili Ukurhoxiswa kwesikhuthazo kwezoqoqosho yi-European Central Bank (ECB) ukusuka kwikota yokugqibela yonyaka.
Iibhondi zaseJamani: ukuthembela
Esinye sezona zindululo zotyalo mali kufuneka sisekwe kwibhondi yaseJamani. Yenye yezinto ezizinzileyo ukwenza ukonga kunenzuzo kunye neziqinisekiso ezilungileyo zempumelelo. Ngale ndlela, ayinakulityalwa ukuba yenye yeeasethi zemali ezibonakalisayo amandla amakhulu kwezi nyanga zidlulileyo. Ayilolize, ukuba ufuna ukukhetha enye yezona zinto ziphambili, ungathandabuzi ukufumana impendulo echanekileyo ngolu didi lweebhondi zikarhulumente. Ayikho enye indlela yokuphuma kolu tyalo-mali ngaphandle kokufumana imali ngamagalelo akho ezemali nakulo naluphi na uhlobo lwendlela yesicwangciso. Nangona iya kumaxesha aphakamileyo, yenye yezona zikhundla zibalaseleyo ezinokuthathwa ngalo mzuzu.
Kuba ukongeza, iya kukunceda thintela iingozi ezizayo zivela zombini imeko yezoqoqosho kunye nezopolitiko zamanye amazwe. Phakathi kwabo yimfazwe eMantla Korea okanye ukunyuka okunyukayo kwi-euro. Ngoku ukuba imali enye yaseYurophu ikwixabiso layo eliphezulu xa kuthelekiswa nedola yaseMelika, notshintsho olungaphezulu kwe-1,20 euro. Kananjalo ayinakuhoywa nangayiphi na indlela inokuthi isebenze njengesixhobo sokulwa nokuwa okunokwenzeka kwiimarike ze-equity. Njengabanye babahlalutyi ababaluleke kakhulu bezemali ebebhekisa kubo.
Kuxhamle unyulo
Enye into enokudlala indima ebaluleke kakhulu ekuxabiseni ibhondi yaseJamani yile Ukuqhubeka komgaqo-nkqubo woqoqosho kurhulumente waseJamani emva kokubanjwa konyulo jikelele. Alithandabuzeki elokuba enye yeasethi yezemali eya kuthi ivele kakuhle kule meko intsha kukudibana kweli lizwe libalulekileyo laseYurophu. Unokuya kwiindawo eziphakamileyo kwisilinganiso sakho. Kuba sisikhuthazo salo naluphi na uhlobo lweprofayili kubatyali mali abancinci nabaphakathi. Ngaphezulu kwezinye iimveliso ezineempawu ezifanayo, ezinje ngee-bheripheral bond (iSpanish, isiTaliyane, isiPhuthukezi, njl. Ayifanele ilahleke kwipotifoliyo yakho yotyalo-mali kule minyaka imbalwa izayo.
Kwelinye icala, ibhondi yaseJamani ibonelela ngokhuseleko lokuthembeka njengale nto imelwe lolu hlanga ngoku. Ngokunyaniseka kobungqina bombhobho kwaye unako kukunceda ufumane imali kwimeko yezoqoqosho yangoku. Akumangalisi ukuba yindawo ekhuselekileyo enamandla ngamaxesha okungazinzi okukhulu kwiimarike zezemali. Ukutsala ukuhamba kwemali kwabatyali mali. Ngeziphumo eziluncedo kakhulu kwimidla yakho kuba iphucula inzuzo yokonga. Ngaphantsi kwemida enokubanzi kunakwizabelo zamasiko.
Utyalo-mali kwigolide: ilunge kakhulu ngoku
Ezinye iindlela onazo okwangoku kukutyala iimpahla zakho kwisinyithi esimthubi. Okanye ubuncinci ukuba banxibelelene ngokusondeleyo nale asethi ebalulekileyo yemali. Kwenzeka ukuba lixabiso lokusabela ngokugqwesa kwaye elinokuvelisa imbuyekezo kulondolozo olungaphezulu kokufanelekileyo. Ngenxa yokuba iinkqubo eziya phezulu ziveliswa ngamandla amakhulu kunye nokunyuka nkqo kwamaxabiso abo. Apho banokufumana ngokulula kwiinyanga ezimbalwa a isivuno esingaphezulu kwama-30% okanye nangakumbi kwiimeko ezithile okanye kwimijikelo yezoqoqosho. Kananjalo akufuneki iphothifoliyo yakho yotyalo-mali ilahleke ukusukela ngoku.
Nangona kunjalo, eyona ngozi inkulu kule ukuguquguquka ukuba iikowuti zabo zibalulekile. Ngokutshintsha okukhulu phakathi kwamaxabiso abo kwaye unokufumana uloyiko oluncinci ngaphezulu kwesihlandlo esinye. Kwelinye icala, igolide ifumana inkqubo phezulu ngokubaluleka ethile. Ngokuqokelelana okukhulu kwizikhundla zabo ngamaxesha okungaqiniseki okuya phezulu kwi-euro. Njengakwelinye icala kuyenzeka ngezi zihlandlo zichanekileyo. Le yenye yezona ndlela zibalulekileyo onokuzisebenzisa, nangona ngokuqinisekileyo ingenabungozi ngenxa yezizathu ezichazwe apha ngasentla.
Isinyithi segolide sinokuba yinto yotyalo-mali lwakho zombini ngokuthenga ngokwasemzimbeni nakwizixhobo ezithile zemali. Umzekelo, ngokusebenzisa imali ethe ngqo yotyalo-mali okanye ekuthengweni nasekuthengisweni kwezabelo zenkampani ezinxulunyaniswe nenkqubo yentengiso yale asethi yemali ibalaseleyo. Ngayiphi na imeko, akusayi kubakho khetho ngaphandle kokubonelela ngenkcubeko enkulu yezemali kuba lukhetho olufuna ulwazi olukhulu lokuba olu tyalo-mali lukhethekileyo lunjani. Kuba kanye njengokuba unokufumana imali eninzi kwimisebenzi yakho, ngenxa yezizathu ezifanayo unokuzishiya ngokwakho ii-euro ezininzi apha endleleni. Into ekufuneka uyiphephe nakweyiphi na indleko, kwaye ukuba kukho imfuneko, kungcono ukuba uyeke ukwenza naluphi na uhlobo lomsebenzi kwezi mveliso zemali.
Yintoni onokuyifumana ngolu tyalo-mali?
Nokuba yeyiphi na imeko, zizinto ezinokwenziwa phucula imida yakho yenzuzo ukususela ngoku ukuya phambili. Nditsho nakwiimeko ezincinci ezifanelekileyo kwiimarike zezemali. Nangona kufuneka uyamkele kuphela ngexesha elithile kwaye rhoqo njengoko usenza nezinye iimveliso zezezimali. Hayi ngamampunge, yimpazamo onokuyenza kwaye apho unokuvela kakubi kakhulu. Ngokukodwa ukuba awuzisi amava angaphambili ukuze ukwazi ukuba yeyiphi inqanaba lokwenyani lokungena kunye nokuphuma kwizikhundla zebhanti yaseJamani kunye nentsimbi etyheli. Kodwa ukubuya zininzi izibonelelo onokuzifumana kwaye ezinciphisiweyo ziye zancitshiswa kwezi zenzo zilandelayo esiza kukutyhila apha ngezantsi.
- Ngokusisiseko lolunye utyalomali lokuba nini indlela yeemarike zezemali eseleyo igqityiwe. Iya kubonelela ngenkuthazo eyongezelelweyo yokuba ubandakanyeke kwilizwe lemali. Ngezindululo ezibini eziza kukuvumela ukuba ube nebhalansi ye-akhawunti eyonelisayo ngakumbi kunangoku.
- Zizinto zexabiso zemali ezo ukuvelisa inzuzo ephezulu kwiiseshoni ezimbalwa. Ngengxaki ephambili yokufika ekuthengweni emva kwexesha ukufezekisa iinjongo zakho. Awunakukhetha ngaphandle kokulandela iikowuti zabo rhoqo.
- Kuzo zombini iimeko, zisebenza njengokuthenjwa amaxabiso okusabela kwiimeko ezinzima ziyacaca kwiimarike zemali. Apho imali evela kwezinye iimveliso zezemali igxile khona: kwimarike yemasheya, iimali zotyalo-mali, iidiphozithi zexesha, iziqinisekiso, njl.
- Isikhokelo sangoku kwiitshathi ngeli xesha Ukucacisa ngokucacileyo. Kwisimemo esinamandla sokuvula izikhundla kwezi zindululo zimbi zimbini. Kwimeko enye, kwiprofayili enobundlongondlongo ngakumbi (igolide) nakwenye yokuhlangula ngokuphakathi (ibhondi yaseJamani).
- Kuyinyani ukuba ukwenza ikhontrakthi kwezi mveliso zezemali kunzima ngakumbi. Ukuze ube yintoni uqaphele ngakumbi ngexesha lokuthenga kunye neenkqubo zokuthengisa. Nangona inqanaba lamaxabiso lingalungelelaniswanga njengoko bekulindelekile ngabasebenzisi.
- Kusenokwenzeka ukuba, kwelinye icala, a ukugqibezela olona tyalo mali lwemveli nosetyenziselwa ukusebenzisana nabo rhoqo. Phantsi kweepesenti ubuncinci ngokwezixa-mali oza kuzabela ukusukela ngoku.
- Ewe kunjalo, kukho ezinye iimveliso apho unokuzisa ezi modeli zimbini zotyalo kunye. Ngokusebenzisa mali mali kunye nezinye ii-asethi eziyimali, zombini ingeniso esisigxina kunye neyokwahluka. Nangona kunjalo, abaqokeleli ukonyuka ngokuthembeka okukhulu njengokuthenga ngokuthe ngqo kwesinyithi esimthubi okanye isibophelelo seTeutonic. Ngokhuseleko olukhulu kwimisebenzi ukuze ukwazi ukulawula ilahleko enokubakho.