Emva kokuhlisa ii-equities, nangona ubuncinci kakhulu kwi-2019, kusengqiqweni ukucinga ukuba amathuba okuthenga anokuvela kwixesha eliphakathi nelide. Nangona ihlala isenziwa ngesipho esikhethiweyo nesilumkileyo esivela kwiinkampani ezinokuba nokuziphatha okuhle kunyaka omtsha wezorhwebo. Kuba kulo nyaka Ukungazinzi Isenokuba yenye yezona zinto zixhaphakileyo kwezi zeasethi zemali. Ngezizathu ezahlukeneyo, kodwa enye yezona zinto zibalulekileyo zinokubangelwa kukudodobala kwezoqoqosho okutsha, ubuncinci kwindawo ye-euro.
Ngaphantsi komxholo jikelele, kuya kufuneka uthathele ingqalelo uthotho lweenjongo ezincinci oza kuhamba nazo notyalo-mali lwakho. Apho umbono olungileyo kukuqhuba uhlalutyo lwexeshana lobuchwephesha lwezinto zeNtengiso eqhubekayo yaseSpain ngeyona mzuzu intle. Ukufaka uthotho lweefilitha ukuze ufune ukhuseleko olukhulu kwimarike yemasheya, yenye yeenjongo zakho eziphambili. Apho ngamanye amaxesha injongo ayizukuba kukufumana eyona nzuzo iphezulu, kodwa ngokuchaseneyo, iya kubandakanya gcina imali Utyalomali ngaphezulu kwezinye izinto ezinoburharha.
Kuzo zombini ezi meko, awuzukukhetha ngaphandle kokwenza uluhlu olufutshane lweenjongo zakho zalo nyaka. Apho kungafuneki ukuba kusweleke izicwangciso zotyalo-mali kwaye oko kukukhuthaza ukuba wenze isindululo esingaqhelekanga esinokumangalisa indawo enkulu yabatyali mali abancinci nabaphakathi. Ukuze ngale ndlela, ube kwimeko yokubetha ubuncinci Imida yolamlo ozifumene kunyaka ophelileyo. Ngokusekwe kwiminqweno ekufuneka ibe nokufezekiswa kancinci, hayi ngokusekwe kwii-utopias ezingakhokeleli ndawo, kakhulu kwilizwe lemali.
Injongo yokuqala: khetha ngakumbi
Enye yezinto zokuqala ekufuneka sizenzile kulo nyaka yile ibhekisa ekukhetheni iiasethi zemali. Ayisixabisi nje kuphela ngotyalo-mali, kodwa ukusukela ngoku kuya kufuneka ukuba ukhethe ngakumbi kwi khangela iimveliso zemali okanye iiasethi. Apho nakuphi na ukusilela kubalo kunokusibhatala ii-euro ezininzi esiza kuphulukana nazo ekusebenzeni. Ayisiyiyo kuphela kwimarike yokulingana, kodwa nakwingeniso esisigxina okanye kwiimarike ezizezinye. Apho elinye lamaqhosha okuphumeza impumelelo yemisebenzi liya kubandakanya ukuvula iimodeli ezintsha zokonga.
Kwelinye icala, esi sicwangciso-mali sifuna ukuba abatyali mali bazi kwaye Hlalutya iimveliso ezahlukeneyo ezenziwayo kwiimarike zezemali. Mhlawumbi njengoko bengazange benze kude kube ngoku. Kuba kusenokwenzeka ukuba kusekwe kwesi sigqibo sibalulekileyo, elona xabiso sistetimenti sengeniso singatshintsha ekupheleni konyaka okanye xa ezi mveliso zemali ziphela. Ungalibali ukuba ukusukela ngoku awufuni lothuko olubi onokuthi uzisole ngazo naziphi na iindlela ozikhethileyo.
Imisebenzi emifutshane
Esinye sezitshixo esikhulu ekufuneka usisebenzisile ngeli xesha kukwenziwa ngokusesikweni kokusebenza kwexesha elifutshane. Ukuze ngale ndlela, ukwimeko ezifanelekileyo ukusika ilahleko ezinokubakho kuzo. Ayifani ngaphambili kokuba yayihlala ijolise kwixesha eliphakathi nelide. Ngemida ephezulu ukunqanda ukusebenza okumbalwa okulindelwe nguwe, kodwa apho ixesha lesigxina linokwenza ukuba ungabinakho ukuba amatyala aphezulu Kwibhalansi yeakhawunti yakho yokonga. Sisicwangciso sotyalo-mali, kwelinye icala, esingadingi mizamo yongezelelweyo, kodwa endaweni yoko sifuna ukubek'esweni ngakumbi kweeasethi zemali.
Kufuneka kuqatshelwe ukuba esi sicwangciso sotyalo-mali ikakhulu sijolise ikakhulu kubatyali mali abanoburhalarhume. Ngexesha kwi ukusebenza ukusukela kwiinyanga ezimbalwa ukuya kunyaka nje, apho imisebenzi evulekileyo kwiimarike zezabelo zihlawulwa. Olu khetho unokujongana nalo kwiinyanga ezizayo ukuba unethemba lokuphucula ulungelelwaniso lwentengiso kwimarike yemasheya. Akumangalisi ukuba ziya kuba ziintshukumo ezinobunzima ngakumbi ezichaphazela ukuvalwa kwezikhundla ngexesha elifanelekileyo xa inzuzo eyinkunzi ivela kwipotifoliyo yakho yotyalo-mali. Ngokuqinisekileyo zizintshukumo ezixineneyo eziya kufuna ingqalelo engakumbi kuwe kwiimarike zezemali.
Iimarike ezizezinye
Olunye lolukhetho olukhulu osele unalo kulo nyaka uzayo kwaye olunokukhokelela ekubeni uphonononge iimarike kude kube ngoku ulibele kwizicwangciso zakho zotyalo-mali. Nangona kwiimeko ezininzi bathathe umngcipheko ephezulu kakhulu kuzo zonke iindawo zokujonga. Kodwa yenye yeendlela ekuya kufuneka ufake isicelo ukufumana izibonelelo ezingaphezulu kwintengo oza kuyenza kwezi nyanga kwaye kufuneka wenze ngononophelo olukhulu kwezinye iindlela zokusebenza kwiimarike zezabelo. Apho ziya kuba kukuhamba kwexesha elifutshane kakhulu kunye nokuvuthwa okufutshane xa kuthengwa kwaye kuthengiswa izabelo kwimarike yemasheya.
Ukugcina imali kwii-commissions
Ingakumbi abatyali mali abenza imisebenzi emininzi ngonyaka, zombini ezijolise kwixesha elifutshane, eliphakathi okanye elide, banokusebenzisa amaxabiso entengiso yesitokhwe aqala ukuthengisa ngakumbi nangakumbi amaziko emali kwaye, avumela ukonga okubalulekileyo ngokweekhomishini. yemisebenzi eyenziweyo. Ireyithi yakho ikhoyo phakathi kwama-5 nama-20 eeyuro ngenyanga, kunye nomntu owenza imisebenzi emine ngenyanga, umzekelo, ukonga kunokuthetha malunga ne-40 ye-euro ngenyanga nge-avareji, eyanceda nokwandisa utyalo-mali.
Ngale ndlela, ireyithi ethe tyaba kwimarike yemasheya ivumela umsebenzisi ukuba enze imisebenzi yokuthenga nokuthengisa njengoko befuna, njengoko kunjalo ngomnxeba okanye kwi-Intanethi. Nangona ukusetyenziswa kwayo kungaxhaphakanga kakhulu kwicandelo lezemali, ikakhulu kugubungela iibhanki kunye neebhanki zokonga ezisebenza nge-Intanethi kwaye okanye abarhwebi, kuzwelonke nakwamanye amazwe, zezona zibonelela ngeemeko ezilungileyo. Ke ngoko, unokufumana ukonga okunomdla kakhulu ekusebenzeni kwiimarike ze-equity. Ke ngale ndlela, inzuzo yakho yonke iphezulu kakhulu ukusukela ngoku.
Khetha ezinye iindawo zejografi
Umbono ogqwesileyo kukuya kwezinye iimarike zezemali ngaphandle kwendawo okuyo. Nje ukuba oku kugqityiwe kwaye kunokwenza imbuyekezo ehlangabezana nokulindelweyo njengomtyali mali omncinci nophakathi. Kwiindawo apho ungazange wasivula isikhundla ebomini bakho, kodwa akufuneki babe neendlela ezimbi zotyalo-mali. Hayi kangako. Ukuba akunjalo, ngokuchaseneyo, banokumela amathuba oshishino lokwenyani ukusukela ngoku. Ngokukodwa kwiimarike ezihlumayo ezigcina i-uptrend ecacileyo kwaye inokunceda umdla wakho. Ukonzakalisa ezinye izisombululo ezikude kakhulu neemarike zezabelo, njengoko mhlawumbi wawungowona mnqweno wakho.
Ukusuka kolu luvo kutyalo-mali, esi sisisombululo kwiingxaki zakho, kodwa okoko ucinga ukuba uza kuqhuba umngcipheko omkhulu kunezinye iindlela eziqhelekileyo okanye eziqhelekileyo zotyalo-mali. Kungenxa yokuba kwezinye iimeko babonelela ngohlaziyo oluphezulu kunakwimakethi yokusebenza kwindawo esondeleyo kuthi. Ukuya kwinqanaba lokuba sikwazi ukufikelela ekuxabisweni nge-20% okanye i-30% kwisithuba esifutshane sexesha. Inzuzo eza kuthi ihlangane nokulindelweyo yinxalenye elungileyo yabasebenzisi kunye nangaphezulu kwindawo yentengiso yesitokhwe efana nale iqikelelwe kulo nyaka.
Umngcipheko ekusebenzeni
Enye into ekufuneka ivavanyiwe ukusukela ngoku ukuya phambili yile inento yokwenza nento yokuba izinto esiza kuthi sihlangane nazo amaxesha amaninzi azaziwa kuthi sonke. Ukuya kwinqanaba lokuba kwiimeko ezithile ezithile singaze sizifumane zisiva ebomini bethu. Le yeyona nto iphambili ekuthatheni izikhundla kwezi marike zokulingana zamanye amazwe. Ngothotho lovavanyo ngaphandle kwamathandabuzo kuya kufuneka sihlalutye ngandlela thile. Ukubonisa ukuba lixesha lokungena kwezi marike zezemali.
Kungenxa yokuba asinakulibala ukuba kufuneka sicace gca ngezigqibo zethu kuba ekugqibeleni yimali yethu esengozini kolu hlobo lotyalo-mali kwimarike yemasheya. Apho sinokufaka khona ezinye izihluzi ukuze silondoloze imali esiyityalileyo ngale mibutho ikhethekileyo ukusukela ngoku. Ngexesha apho amaxabiso kwimarike yaseSpain eqhubekayo inokupheliswa okanye ubuncinci kwinkqubo yokufikelela kule meko. Kwinto emiselweyo njengenye yeendlela abasebenzisi abathengisayo abanazo okwangoku ukuzama ukuphucula ibhalansi yeakhawunti yabo yokonga.