Kukho uphawu lwemali olucingelwe ngabo bonke abatyali mali, ngakumbi kwiinkqubo zobunqolobi. Yeyona ibhekisa kwinto yokuba inkunzi ayinazimvakalelo. Ilawulwa ziiparameter ezahlukeneyo apho olunye uthotho lwegalelo lukhona. Ngenxa yokuhlaselwa kwamaSilamsi kwihlabathi liphela, iimarike zokulingana zibonwa nefuthe phantsi ngalo lonke ixesha kusenzeka esinye seziganeko ezizodwa.
Kuyaziwa kubo bonke ukuba uhlaselo lukhokelela ekwehleni okubhengeziweyo kwiimarike zesitokhwe sehlabathi, nangaphantsi kweepesenti ezothusayo. Kodwa into ongayaziyo ukuba kukho inani leefayile ze- xabiso awuthobeli lo mthetho wenye yeemarike zezemali. Kodwa baziphatha kwelinye icala. Ukufezekisa loo nto indala kwimarike yemasheya ethi nakwezona meko zimbi kuhlala kukho amathuba eshishini.
Kungenxa yokuba, kukho uthotho lwezokhuseleko kunye namacandelo emarike yemasheya anyusa izabelo zawo ngalo lonke ixesha kusenzeka isiganeko sezi mpawu. Ngokuqinisekileyo kuya kufuneka ubazi ukuba basebenzise eli thuba kwaye benze ukonga kunenzuzo nakwezona meko zinzima. Isenokungabi yimilinganiselo yokuziphatha okanye isimilo, kodwa emva kwazo zonke iimarike ziimarike. Bakhokelwa lixabiso lemali kuphela. Ayikho enye into.
Ubunqolobi: yeyiphi imilinganiselo exabisekileyo?
Emva kohlaselo olukhulu lwabanqolobi, phantse onke amanani alinganayo. Kodwa kukho abanye babo abangakwenziyo oko, ngokuchasene noko. Siza kukunika ukuba zeziphi ezichola le ndlela inomdla. Kwindawo yokuqala, bonke abo banento yokwenza Icandelo lezandla kunye neenkonzo zokhuselo zesizwe. Ukuhlaziywa kwabo kuyabetha ngokwenene, bade baye kunyuka nge-bang kwezi meko zinzima.
Nangona kunjalo, kuya kuba nzima kuwe ukuba uthathe oku kuthengwa kwezabelo kuba uninzi lwezi nkampani lubekwe kwelinye icala leAtlantic. Ngokukodwa kwi usa stock Isalathiso sayo esiphambili, iDow Jones. Akukho zindululo zininzi, kodwa zanele ukwenza ukuba iiasethi zakho zinenzuzo ngesicwangciso esiliqili sotyalo-mali. Banonyuso olubalulekileyo kwixabiso labo lokuba kwezinye iimeko banokufikelela kwinqanaba le-10%.
Ngaphakathi kwii-equities zaseYurophu kukwakho nokukhuseleka kwezi mpawu, kodwa kuncinci ekunikezelweni kwabo. Kuya kufuneka uye kutshintshiselwano lwesitokhwe lwaseJamani okanye lwaseFrance ukwanelisa le minqweno yotyalo-mali kwizabelo. Ngokuziphatha okunyusa kakhulu kwezi meko zempembelelo enkulu yamanye amazwe. Batyekele ekuthabatheni izikhundla kuzo xa ezi meko zibaluleke kakhulu kunye neziphumo zehlabathi.
Iinkampani zokhuseleko
Elinye lawona macandelo makhulu aqokelela ukunyuka kwamaxabiso ngalo lonke ixesha kuhlaselwa ezi mpawu. Ingcaciso yakhe ilula kakhulu, kuba imigca yeshishini lakhe inxulumene ngokusondeleyo nokwanda kwe amanyathelo okukhusela emva kokuphuhliswa kwezi meko zabanqolobi. Ngenxa yoko, umsebenzi wayo uyakhula ngemfuno enkulu yeenkonzo zayo. Ngale ndlela, ixabiso lezabelo zalo liphendula kumthamo womsebenzi owenziweyo kwezi meko.
Enye yeengxaki zokukhetha le modeli yotyalo-mali kukuba izindululo zayo azikho ngaphezulu. Ubuncinci xa kufikwa kwizabelo zaseSpain. Ngamaxabiso asekhaya kuphela angaphenduliyo kwimfuno yotyalomali ngabagcini. Awuyi kukhetha kodwa yiya kwezinye iindawo zamanye amazwe ukwanelisa iminqweno yakho. Ingakumbi imarike yemasheya yaseMelika, yona leyo inesithembiso esinamandla ngakumbi nesinezixhobo ezahlukeneyo.
Indawo yokuhlala kwezinye iiasethi zemali
Xa enye yezi meko isenzeka, awunyanzelekanga ukuba uphethelele kwizabelo. Unenye indlela ecebisayo yokwenza ukonga kunenzuzo. Kwaye phakathi kwazo ezo ngokuqinisekileyo zinomdla weasethi yemali. Enye yeentandokazi zokuthatha izikhundla oro. Ayothusi into yokuba isebenza njengendawo ekhuselekileyo ngalo lonke ixesha kusenzeka ezi ziganeko.
Ingcaciso kufuneka ifunwe kukoyika imali yokufuna indawo yokuhlala kwezona marike zikhuselekileyo. Kwaye leyo enesinyithi esimthubi ngokuqinisekileyo injalo. Kukho abatyali mali abaninzi abasebenzisa la maxesha odideko ukuthatha izikhundla kule ntsimbi ichanekileyo. Inyaniso amaxabiso abo ahlaziywa ngamandla athile. Ukuba yenye yeendlela onazo ukuze usebenze ngempumelelo kwiimarike zezemali.
Nangona kunjalo, kuyacetyiswa ukuba kusetyenzwe ngokuthe ngqo kwaye kungagqitywanga kugqitywe ngokusisigxina. Oku kungenxa ye isitenxo esinikwa ziikowuti zawo. Ngamanye amaxesha ukungazinzi okugqithisileyo okwenza kube nzima kakhulu ukwenza isicwangciso sotyalo mali. Kodwa kuluncedo kakhulu ukuthatha ithuba kwezi meko zingalindelekanga.
Iibhondi zaseJamani nezaseMntla Melika
Ezi mveliso zengeniso esisigxina zezinye zezinto ezizinzileyo zokusebenzisa la maxesha okungazinzi koluntu. Isizathu sayo kukuba Ngaba iibhondi ezibonelela ngokhuseleko kwelona xesha linzima. Ngenxa yolu phawu, abatyali mali abakhulu batsalela iiasethi zabo kwezi asethi zemali. Ngokuphambuka kwezinye iimodeli zolondolozo, okanye nakwiimarike zezabelo.
Ingeniso eveliswe zezi mveliso kwezi meko iphezulu, de ube ufumana iipesenti ezinomdla ngokwenene kwimidla yakho. Kodwa nakwiinkqubo ezithile ngokuthe ngqo ngokwexesha labo. Enye into ekufuneka uyenzile kwezi zikhundla ziphezulu kukusebenzisa imali. Unendawo ebanzi kakhulu, kwaye idityaniswe nezinye iiasethi zemali. Zombini umvuzo ohleliyo kunye nokwahlukileyo. Njengefomyula yokwahlula utyalomali.
Kuyo nayiphi na imeko, baba ngamanye amakhaya ukwenza ulondolozo lube nenzuzo ngeziqinisekiso ezithile. Nangona kungekho meko ngaphandle kokuqinisekisa nakuphi na ukusebenza. Njengoko kuqhelekileyo kweli klasi leemveliso zezemali. Isicwangciso esinye onokuthi usisebenzise xa kusenzeka ezi ziganeko kukudlulisela ipotifoliyo yakho yengeniso esisigxina kwezi bhondi. Ngokuqinisekileyo uyakwenza ngcono kwingxelo yengeniso kunale uyivezayo ukuphela konyaka.
Imisebenzi yentengiso yelinye ilizwe
Ukuba sithetha ngezinye iindlela zotyalo-mali ngokwesiko, awungekhe ulibale malunga neemarike zemali. Zinovelwano kakhulu kwezi ziganeko kwaye iintshukumo zakhe ngequbuliso kakhulu. Ngale ndlela, uya kuba kwimeko yokuthatha ithuba lokutshintsha okukhulu kwexabiso lamaxabiso. Ukuba kunokwenzeka ukuba ufumane inzuzo eyomeleleyo kwizikhundla ezivulekileyo kwezinye iimali zamanye amazwe.
Ngayiphi na imeko, le yimisebenzi eyingozi kakhulu ngenxa yesantya sokuhamba kweemarike. Kuphela kuxa sele uqhele ukurhweba ngezona mali ziphambili zehlabathi apho uya kuvuleleka kutyalo-mali lwakho. Nangona ngononophelo olukhulu kunye nokuthintela umrhumo wemali. Unokufumana i-euro eninzi kwiintshukumo, kodwa kwangaxeshanye ukushiya ngaphezulu kwemfuneko. Ngenxa yotshintsho kwindlela ekhawulezayo ngokokuba le asethi yemali ibonisa.
Kukho iingqekembe ekufuneka uzazi. Idola yaseMelika, iFranc yaseSwitzerland kunye neponti yaseBritane ziya kuba zezona zibaluleke kakhulu. Ingqwalaselo eyodwa kukuwela utshintsho phakathi kwabo bonke. Kwaye phantsi kwemisebenzi ekhawulezayo kakhulu, phantse ngesantya sokophuka. Ngaba ukulungele ukwamkela olu celomngeni lukhethekileyo? Ukuba kunjalo, uya kuba neenketho ezininzi zokuphumeza ibango lakho.
Ezona ndlela zokupheka zisebenza kakuhle
Ukuba esinye seziganeko senzeka ukusukela ngoku, awuzukukhetha ngaphandle kokusebenzisa uthotho lweengcebiso eziya kuba luncedo kakhulu ekuphumeleleni kulowo nalowo msebenzi. Ezinye usenokuba sele uzazi, kodwa ezinye ziya kuba yinyani yoqobo, kwaye kwezinye iimeko zide zibe nezinto ezintsha. Ngaba uyafuna ukwazi ukuba zintoni?
- Ukuthatha ezona marike zintle akusayi kubakho sisombululo ngaphandle kokwenza imisebenzi ekhawulezayo kakhulu, endaweni yokubashiya kwiintsuku ezimbalwa ezizayo. Imizuzu embalwa ithetha imali eninzi ekusebenzeni kwemali.
- Kuya kufuneka Hlalutya inqanaba lokuwa kwimeko yotshintsho kwisicwangciso sotyalo-mali kubonakala kufanelekile. Baninzi phambi kwakho, kodwa baya kuxhomekeka kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi.
- Kuya kufuneka ujonge kwifayile ye- iikhomishini Ingasetyenziswa kuwe ekusebenzeni. Hayi lilize, ngayo yonke ingqiniseko yokuba ziya kuba zanda ngakumbi kwaye zingenza iintshukumo ozenzayo kwimarike yezemali eyahlukeneyo zibize kakhulu. Kwaye nokuba iya kuba luncedo kuwe.
- Sukuzama ukukhetha Iimarike ongazazi okanye ubuncinci nabo banamava amancinci. Kuza kuhlala kulunge ngakumbi ukuba ukhethe ezo zisetyenziswa kakhulu kwiminyaka emininzi yotyalo-mali.