Njengokuba singena kwikota yokugqibela yonyaka, kukho amathandabuzo amaninzi kwaye ahlukeneyo ahlasela abatyali mali abancinci nabaphakathi ngeli xesha. Ukuze wazi ukuba lithuba elifanelekileyo lokuthatha isikhundla kwiimarike zezabelo okanye ukuba, ngokuchaseneyo, ukugcina ukuthengiswa kwemali kwiakhawunti yokonga. Lixesha lonyaka apho isitokhwe kwihlabathi liphela zihlala zihamba kakhulu, kwicala elinye nakwelinye. Ke ngoko, lixesha lokulumkisa kwaye uqaphele amathuba oshishino avelayo kwezi nyanga.
Emva kwehlobo ebelitshintshatshintsha ngokugqithileyo, kuyinto eqhelekileyo ukuba iimarike zamashishini ezingenanzala emisiweyo ziphinde zizole. Ngaphandle kokulibala ukuba eli xesha lonyaka lelinye lawona manyathelo okunyusa kakhulu, njengendibano yeKrisimesi. Apho amaxabiso exatyiswa ngokungaphezulu njengefomula yesiko ukugxotha umsebenzi wentengiso yemasheya. Kwaye oko kunokusinceda ukuba singene kwiipaki kwakhona ukuze senze imali ngokukhawuleza.
Kule meko ngokubanzi, siza kunikezela ngemithetho yokusebenza ukuze ukwazi ukuphucula ingxelo yakho yengeniso kwinxalenye yokugqibela yonyaka-mali ka-2019. Emva kweenyanga ezimbalwa ezingakhange zikhululeke ngokwenene ukulungiselela umdla wabatyali mali abancinci nabaphakathi. . Apho kumaxabiso athile behle ixabiso ngaphezulu kwe-20%. Nangona enye into eyahluke mpela yile inokwenzeka kwinyanga kaJanuwari. Kodwa lo mbandela uza kuba ngumxholo wezinye izimvo malunga nento omele uyenze kubudlelwane bakho nehlabathi elihlala linzima lemali.
Iindlela zotyalo-mali: hlaziya ukhuseleko
Inkqubo ekhethwe yinxalenye elungileyo yabahlalutyi bezemali kukuthatha isikhundla kukhuseleko olunexabiso. Ngamanye amagama, banokubaluleka okuphezulu kokuxabisa kunabanye. Bathengisa ngexabiso eliphantsi kakhulu ngenxa yokuwa abakuvelisileyo kulo nyaka. Ukuya kwinqanaba lokuthathwa njengamathuba oshishino oluchanekileyo ngenxa yenzuzo yeendlela zabo zeshishini. Kukho ukhuseleko oluninzi lwezi mpawu kwisalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35. Umzekelo, iBBVA, iSantander, iTelefonica neMapfre, phakathi kwezinye zezona zibalulekileyo.
Kungenzeka ukuba isemester yokugqibela yonyaka inokuba lithuba elifanelekileyo lokungena kwezi zindululo zentengiso yesizwe. Kuba banendlela ende eya phezulu ngalo mzuzu kwaye umngcipheko uphantsi kunezinye iinkampani ezidwelisiweyo. Ngoku bacaphula ngezaphulelo ezingahambelani nobunyani beziphumo zabo zeshishini kwaye unokubenza bazuze, ubuncinci kwixesha eliphakathi nelide ngendlela efanelekileyo nefanelekileyo. Ewe, izindululo azizukusilela ekuthobeleni esi sicwangciso sotyalo-mali.
Izabelo eziphezulu
Elinye lamaqhinga onokulisebenzisa kule nxalenye yokugqibela yonyaka kukukhetha olu didi lwamaxabiso esitokhwe. Yinkqubo yotyalo-mali eyilelwe abatyali mali abancinci nabaphakathi kunye neprofayili yokulondoloza okanye yokuzikhusela. Ngeyona njongo iphambili yokwenza ngokuthe ngcembe ipotifoliyo ezinzileyo yezokhuseleko kwixesha eliphakathi nelide. Ke ngale ndlela, unephothifoliyo yengeniso esisigxina ngaphakathi umahluko. Nokuba kwenzeka ntoni kwiimarike zezemali. Kungenxa yokuba ekupheleni kosuku uyakube ufumana imali emiselweyo kunye neqinisekileyo inyanga nenyanga.
Ngelixa kwelinye icala, awungekhe ulibale ngeli xesha ukuba izabelo zaseSpain zezona zikhule kakhulu phakathi kwamazwe amakhulu aseYurophu kwezi nyanga zidlulileyo. Ukuza kuthi ga kwinqanaba lokuba umvuzo welizwe jikelele wophule irekhodi elitsha kwikota yesibini. Isizathu esongezelelekileyo sokuba ube nakho ukuzalathisa ngokwakho kula maxabiso akhethekileyo kwii-equities zesizwe. Kananjalo unokufumana inkqubela phambili kwizicatshulwa abanazo kwiimarike zezemali. Kuba, enyanisweni, kuninzi ukuhamba kwemali eyinkunzi ejolise kubo ngabona bazali bazikhuselayo.
Ngokuchasene nemijikelezo yeshishini
Zonke iingqikelelo zabahlalutyi bezemali bacebisa ukuba unyaka olandelayo ubuncinci bube nzima kwimidla yabatyali mali abancinci nabaphakathi. Isenokuba sisizathu esifanelekileyo sokuba imali yakho iye kumaxabiso anganxibelelananga nemijikelo yezoqoqosho. Esona sesona sicwangciso sisebenzayo ukujongana nemeko engentle yeemarike zezabelo. Apho ubungozi buya kuba buphantsi kakhulu kwaye usenokude ubenze bazuze ngcono nokuba iimarike zezabelo ziwa ngeli xesha. Awunakuphulukana nokusebenzisa esi sicwangciso sotyalo-mali.
Ngelixa kwelinye icala, zezokhuseleko ezingazukubonisa ukungazinzi okugqithisileyo. Ukuba akunjalo, ngokuchaseneyo, baya kubonisa amaxabiso azinze ngakumbi kwaye umahluko umncinci phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Ekupheleni kosuku enye yeenjongo eziphambili zabatyali mali abazikhuselayo abafuna ngaphezulu kwako konke ukugcinwa kwemali yabo nangaphezulu kwezinye izinto ezinoburharha. Oku kunjalo nakweyiphi na imeko indlela enokukunika umdlalo olunge kakhulu ukusukela ngoku ukuya phambili. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha bendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko.
Amacandelo adityanisiweyo
Elinye icebo lotyalo-mali onokulisebenzisa kwisiqingatha sokugqibela sonyaka kukuthatha izikhundla kumacandelo anezixhobo ezifanelekileyo. Ngamanye amagama, ngemigca ehlanganisiweyo yeshishini kwimbono yeshishini. Ukuze ukusukela ngoku ungabinazo izinto ezininzi ezothusayo njengoko kusenzeka kumacandelo ezinto ezintsha. Apho ngaphandle kwamathandabuzo ukuba uchanabeke ngakumbi ekuphuhliseni ilahleko kwingxelo yakho yengeniso kwimarike yemasheya. Kwelinye icala, unika ukhuseleko olukhulu kwipotifoliyo yakho yokhuseleko ngothotho lokhuseleko olufakwe ngamandla kuqoqosho lwesizwe nolwamanye amazwe.
Ewe kunjalo, elinye igalelo elenziwe kukusetyenziswa kwesi sicwangciso kutyalo-mali linxulunyaniswe nenyaniso yokuba ziiasethi zemali ezingasoloko zinobundlobongela, kokubini kunyuka nokuwa kwazo. Ukuba akunjalo, ngokuchaseneyo, basekela umtsalane wabo kuzinzo lwamaxabiso abo ngaphezu kwayo yonke enye into. Ezinye zezimvo onazo ukuze uzisebenzise kwisemester yokugqibela yonyaka. Ewe kuyakunceda ukukhusela imali yakho ngaphezulu kwezinye izinto ezibangelwa luhlalutyo lobuchwephesha.
Iimarike zentengiso zamazwe asakhulayo
Njengentshukumo enobundlongondlongo kunye nenobunkunkqele kukuba unyula ezinye izitokhwe ezivela kwiimarike ezikhulayo. Kodwa ayisiwo nawuphina umntu, kodwa ezo zibonisa ubuchwephesha obungcono kwaye ezinokubanamandla amakhulu okuhlaziya. Ngaphantsi kwesiseko esicace gca kwaye oko kukuthi kufuneka benze utyalo-mali olongezelelweyo, hayi olona luphambili. Kwaye kuyo nayiphi na imeko, izixa eziphantsi ezingaphakamanga kakhulu. Ngale ndlela, unokufumana amanye amathuba oshishino kwizitokhwe zeshishini zaseIndiya, eJapan, eRashiya okanye eBrazil. Kodwa ngemisebenzi elawulwa kakhulu nguwe ukukhusela imali.
Kwelinye icala, ezi marike zezemali zinokwenza eyona ndlela yokudlulisa ukuthengiselana okungalunganga kwizabelo eziphambili zehlabathi. Kuyinyani ukuba umngcipheko uphezulu kakhulu, kodwa nebhaso onokulufumana kolu hlobo lwemisebenzi ekhethekileyo. Ngale ndlela, kuya kufuneka uyazi kakuhle ukuba yeyiphi imisebenzi eyenziwa yinkampani enokuthi ibe sisihloko sokuthenga kwakho okhethiweyo ukusukela ngoku. Kuba umahluko phakathi komnye nomnye uhlala ungaphezulu kokumakishwa kwaye umele imali eninzi kwimisebenzi eyenziweyo. Ngesi sizathu kufuneka ukhethe ngakumbi kunangaphambili.
Ingena kwinqanaba elingaphezulu
Isebe lokuhlalutya kweBhanki libonisa ukuba emva kokunyuka kweenyanga zokuqala zonyaka, singena kwisigaba sokugqibela apho siya kuba namaxesha okusika (njengale kaMeyi) kunye neenyanga zokunyuka (njengale nyanga kaJuni nje igqitywe tu). "Sihamba ngexesha apho kungekho zixhobo zibalulekileyo, kwaye akukho zimpawu zokonakala esikhokelela ekucingeni ukuba uqoqosho lunokungena kwisivumelwano ngakumbi okanye kancinci."
Ukujonga phambili kwintsalela yehlobo kwaye sinikwe ukwehla kwesiqhelo kumthamo okwenzeka kwezi nyanga, akufuneki sikhathazeke ukuba kwenzeka inzuzo kwiimarike zesitokhwe kwaye kufuneka siyitolike njengethuba lokuhlengahlengisa iipotifoliyo okanye sithenge Ithuba, bakhomba kwibhanki yezorhwebo. Ekufumaniseni ukuba kulungile ukuthatha isikhundla kwiimarike zezabelo. Phakathi kwezinye izizathu kuba azikho ezinye iindlela kwintengiso yesitokhwe okwangoku. Ngenxa yexabiso eliphantsi lexabiso lemali.