Ibhasikithi ekhuselekileyo yamaxesha anzima

i-refugio

Ngexesha apho ukungaqiniseki kungena kwiimarike zemali, eyona ndlela iphambili kukukhetha iindawo ezikhuselekileyo. Ngabo, ukonga kunokude kwenziwe inzuzo kwiimeko ezinzima kakhulu. Ngoncedo lokuba inokuthunyelwa kungekuphela kwiimarike ze-equity, kodwa nangayo ezinye ii-asethi eziyimali. Yeyona ndlela isebenzayo yokujongana neenkqwithela kubomi bezoqoqosho kwaye wenze inzuzo kwesi sicwangciso sotyalo-mali. Into enokufika ngokufanelekileyo kwizinto ezenzekayo eCatalonia okwangoku.

Kukho umthungo ocacileyo kwaye yiyo loo nto imali ihlala yoyikeka. Ukuhamba kwemali kunjalo bakhusela kwiiasethi eziyimali ezikhuselekileyo zomzuzu ngamnye. Kuba nakumaxesha obunzima banokufunyanwa eyiyo mathuba o shishino. Kanye njengoko kwenzekile kule minyaka idlulileyo okanye nakwimashumi eminyaka. Le yinto onokuyityhila ngembali yecandelo leemarike zezemali. Ngaba uyafuna ukwazi ukuba ungawusa phi umnikelo wemali ngeli xesha?

Ayizukukunceda kuphela ekuphuculeni ukujonga kwakho ibhalansi yeakhawunti, kodwa ikwakhusele nezikhundla zakho njengomtyali mali omncinci nophakathi. Nangona kuza musa ukulinganisela kwinqanaba likazwelonke. Kuya kuba kubaluleke kakhulu ukuba uye kwezinye ii-asethi eziyimali. Kwaye ukuba kunokwenzeka kwezinye iindawo zejografi zamanye amazwe. Ngokwahluka okukhulu kutyalo-mali, ngokuguquguquka kwiindlela. Iya kuba yinto ekuya kufuneka uyithathele ingqalelo ukusukela ngoku. Ukuhanjiswa ngabaphathi kwimithombo oyabelwe kutyalo-mali.

Zibaleke ngokugqwesa, igolide

oro

Isinyithi etyheli ngokungathandabuzekiyo yenye yexabiso elifanelekileyo lokusabela. Awunakulibala ukuba iintloko ezinkulu Sabela kule ntsimbi ixabisekileyo xa izinto zingahambi kakuhle kwiimarike zezemali. Kukho ukuhamba kwemali okuphuma kwezona mveliso zesintu kuye kwezona zinto zintsha. Ngokuqinisekileyo le yenye yazo, ngenxa yezizathu ezahlukeneyo zokuyisebenzisa. Kungenxa yokuba enyanisweni, isinyithi esimthubi sithanda ukunyuka ngamandla amakhulu kwezona meko zibuthathaka zeemarike zezemali. Ngophononongo oluphawulwe kakhulu, phantse ngalo lonke ixesha lungaphezulu kwe-20%.

Esi sinyithi sixabisekileyo sikunceda uphephe ukuba nemali yakho ingasebenzi ngokupheleleyo kwezi meko zinzima. Ngongeno olubalulekileyo lwemali oluqhuba ixabiso lamaxabiso. Nangona kukho ukubuyela umva okunzima ngakumbi ekubeni kunzima ngakumbi ukuthatha izikhundla kule asethi yezemali. Phakathi kwezinye izizathu kuba ngekhe ukwazi ukuyenza ngqo engxoweni. Kodwa ngokuchaseneyo, ngezinye iimveliso ezizezinye, ezinye zazo zinzima ngakumbi ekusebenzeni kwazo. Kungenxa yokuba kufuneka ube nenkcubeko enkulu kwiindlela zakho zotyalo-mali.

IziBophelelo eziPhezulu

Ezi mveliso zengeniso esisigxina sesinye isisombululo seemeko ezimbi kakhulu kwiimarike zezabelo. Kodwa ayisiyiyo nayiphi na ibhonasi, ewe. Kodwa abo banendima njenge-counter brake kwezi meko zingalindelekanga kubatyali mali abancinci nabaphakathi. Phakathi kwabanye, Iibhondi zaseJamani okanye zaseMelika. Akumangalisi ukuba banikeze ukhuseleko ngamaxesha okungaqiniseki okukhulu kwiimarike zezemali. Ukufikelela kwinqanaba lokuba bafumane ukuphinda bahlaziye ngamandla amakhulu kunakwamanye amaxesha okuzola. Kule meko, bayamkela ukusebenza kwethamsanqa elikhulu. Ngubani othatha isikhundla ngokukhawuleza ukunyusa imali yabo kuzo zonke iimeko.

Olu hlobo lweebhondi kulula ukulufumana kunakwamanye amaziko akhuselekileyo. Ungababhalisa kwibhanki yakho yesiqhelo ngokunikela ngemali efikelelekayo kakhulu kuyo yonke imizi. Kwaye apho umngcipheko uyakuba sezantsi kunezinye iiasethi zemali, ezinjengegolide okanye olunye utyalomali. Ukongeza, unokukhetha okokugqibela ngokusesikweni ngokusebenzisa imali yotyalo mali ngokusekwe kule asethi ibalulekileyo yezemali. Apho inokudityaniswa kunye nezinye iimodeli zotyalo-mali. Zombini ngokunxulumene nengeniso esisigxina neyahlukileyo.

Izinto zokwenza imveliso njengesisombululo

Cafe

Unenye into ekwenziweyo kwimveliso eluhlaza ukukhusela ulondolozo lwakho kula maxesha anzima. Ngoncedo onokukhetha kulo ngeendlela ezahlukeneyo zotyalo-mali. Nangona enye esebenzayo yeyona yenzeka ngokutya. Ikofu, iimbotyi zesoya, ingqolowa okanye umbona zinokwenziwa njengezinye zezindululo ezikhethiweyo. Ngayiphi na imeko, kuya kufuneka uye kwiimarike zamanye amazwe ukwanelisa le mfuno. Ngokukodwa e-United States, kulapho ke zidweliswe ikakhulu kwiimarike zazo ezahlukeneyo.

Ngamaxesha okungazinzi kwezoqoqosho nakwezopolitiko, basebenza njengendawo ekhuselekileyo ngokusebenza kakuhle. Ngophononongo olungaphezulu kwesiqhelo kwaye ngokuqinisekileyo ligqithile kwimida yenzuzo ebonelelwe yimarike yemasheya kula maxesha anzima. Eyona nto iphambili kuyo kukuba kuya kufuneka tshintsha imali ukwenza imisebenzi ibe semthethweni. Into eya kuthi ivelise iindleko ezongezelelweyo zokwenza ezi ntshukumo zebhanki. Ngokusebenzisa iikhomishini ukuba kwezinye iimeko zinokubanwen kakhulu. Kuba phantse ngalo lonke ixesha, ezi asethi zemali zixabiso lixabiso kwiidola zaseMelika.

Imali eguqulweyo kwizabelo

Alithandabuzeki elokuba ezi mveliso zezezimali zinconyelwa kakhulu ngamaxesha okungazinzi kweemarike. Ukuza kwinqanaba lokuba yenye indawo ekhuselekileyo yokugqwesa kwezi meko zinzima kubatyali mali abancinci nabaphakathi. Kuya kufuneka ubathathele ingqalelo ukuba ufuna uxolo lwengqondo kwisithuba esingaphezulu okanye esifanelekileyo. Kuba kuya kufuneka uyazi ukuba ezi mveliso azenzelwanga ixesha elide kakhulu. Kodwa ngokuchaseneyo, amaxesha athile kunye nomhla wokuphelelwa. Akumangalisi ukuba umngcipheko wayo uphezulu kunezinye iimali eziqhelekileyo.

Imali eziguqukayo eziguqukayo ziya kuba luncedo kakhulu phantsi kweemeko ezibi kakhulu zeemarike zezabelo. Ukuya kwinqanaba lokuba ukwazi Ukuqokelela iinzuzo ezinkulu kwiintsuku ezimbalwa kakhulu. Kodwa lumka kakhulu, kuba banokujika nangaliphi na ixesha. Ngokuhla kwexabiso ngaphezulu kwesiqhelo. Ukuthintela le meko, kuya kufuneka uhlehlise izikhundla ngalo mzuzu kanye xa beveza uhlobo oluthile lobuthathaka. Kuya kubakho amanye amaxesha okuqhubeka kwakhona nokuhamba kwabo kwiimarike.

Esinye sezizathu zokugxila kwiminikelo yakho yemali kwezi mveliso zikhethekileyo kukuba zibuthathaka kakhulu ekunciphiseni kweeasethi zemali ezichaphazelekayo. Ngecebo elicace gca njengokuba ukuhla kokuwa, kokukhona inzuzo yakho iya kuba phezulu ukusukela kuloo mzuzu kanye. Hayi ngendlela enesalathiso, kodwa inzuzo iya kwandiswa, ngenxa yeempawu ezizodwa zale mali yotyalo-mali. Kodwa ngeentshukumo ezichaseneyo ezenzeka ngamandla afanayo kwaye kuya kufuneka ukuba uphephe phantsi kwazo zonke iimeko. Ukuba awufuni ukushiya ii-euro ezininzi endleleni. Ungakulibali ukusukela ngoku ukuba ufuna ukulawula ngokuchanekileyo ukonga kwakho nakweyiphi na imeko.

Khangela umdla ozinzileyo noqinisekisiweyo

lo ndolozo

Ngayiphi na imeko, elona chiza lilungileyo lokuhambisa ukonga kwezi meko kukufumana imveliso ekubonelela ngembuyekezo esisigxina minyaka le. Eyona ndlela yokwanelisa le mfuno kukuya kwiidipozithi zekota okanye kwingxowa mali yotyalo-mali kwezi mpawu zikhethekileyo. Ngaphakathi kwiqela lokuqala, ngezindululo zabo awuyi kubeka esichengeni imali yakho kwaye uya kuphumelela inzala yonyaka kufutshane ne-1%. Awusoze uphulukane nazo, kuba nantoni na eyenzekayo kwiimarike zezemali, ziya kuqinisekiswa kwasekuqaleni kwaye ziya kwiakhawunti yakho yokonga.

Ngokubhekisele kwiimali zotyalo-mali, zilawulwa sisicwangciso esifana neso sedipozithi. Apho zinikwe nazo ngomhla wokuphelelwa ezinokuhlala zigqithile, kunye neminyaka emininzi de uphinde ufumane imali oyigcinileyo. Nangona kunjalo, abakuvumeli ukuba uqokelele ukusebenza kakuhle kweeasethi zemali ezenza ipotifoliyo yakho yotyalo-mali. Ngayiphi na imeko, yimodeli yotyalo-mali ejolise ikakhulu kubatyali zimali abancinci nabaphakathi ngokunciphisa ukuzikhusela. Ngothotho lwezindululo ezithwala ukufana okuninzi phakathi kwazo zonke.

Njengoko sele ubonile, uluhlu lwamaxabiso okusabela lubanzi kunokuba ungacinga kwasekuqaleni. Kwaye okubaluleke ngakumbi, kwiindlela ezahlukeneyo zotyalo-mali. Ngenxa yokuba unokwenza ngokusemthethweni Ukusuka kwiimodeli zengeniso esisigxina ukuya kwezona zinoburharha. Umzekelo, ezo zithatyathwe kwizixhobo ezingafunekiyo okanye kwizinyithi ezixabisekileyo. Ngomngcipheko omkhulu kunakwifomathi yesiko okanye yeendlela eziqhelekileyo.

Ngomdibaniso oqhelekileyo kwaye leyo kukuba bayasebenza kwiimeko ezingcono kwezona meko zintle kakhulu kwiimarike zezemali ngakumbi kwimarike yemasheya. Ukuze ngale ndlela uqhubeke nokwenza ulondolozo lube luncedo rhoqo kwaye rhoqo. Ukuba unethuba lokuba ubenakho ukufumana imbuyekezo ephezulu kuzo zonke iimeko. Ayothusi into yokuba inokukunceda ngaphezulu komzuzu omnye.


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