Inzondelelo entsha yokujongana nonyaka omtsha yenye yeminqweno yokuba abantu abancinci nabaphakathi balindele ukufumana i-2019, nangona izakuxhomekeka kwizinto ezininzi. Ekupheleni kosuku iya kuba yiyo eya kuthi ichonge ulwalathiso lweemarike zezabelo kulonyaka, kuba akukho nto ilula ekulindeleke ukuba ivelise inzuzo kwipotfoliyo yotyalo-mali. Hayi ilize, iya kuba egcwele izithintelo emva konyaka ka-2018 ongonelisekanga konke konke ngenxa yomdla wakho. Apho ukhuseleko lwentsebenzo kufuneka lube ngaphezulu kwezinye izinto zobugcisa.
Unyaka osishiyileyo ushiye ukwehla kwexabiso lezona zinto ziphambili zivenkile yamazwe aphesheya kunye nemida yeveni ukusuka kwi-5% ukuya kwi-15%. Ngamanye amagama, ukutyala imali okonga ngo-2018 akubanga nangeniso. Emva kokuba iimarike zezemali ziphuhlise imeko enyukayo phantse iminyaka esixhenxe, ngakumbi emva kwengxaki yezoqoqosho. Ewe, kulo nyaka siwushiyileyo ibingumbindi otshintshayo kunyuka kwimarike yemasheya. Ngoku kuya kuhlala kubonwa ukuba ingaba iyokuma kuphela endleleni okanye kukuqala kwenqanaba lokwehla kwamandla emarike yezemali.
Ukusuka kule meko ngokubanzi, akusayi kubakho khetho ngaphandle kokusebenza ngononophelo xa unxibelelana neemarike zentengiso. Ewe kunjalo, ungalindeli, kwimeko ezintle, uphononongo olukhulu kwixabiso lezabelo. Hayi kancinci, kodwa kuyakuthatha ithamsanqa ukuhlangabezana neenjongo kwaye oko kuyakunikwa ngothotho lwezinto esiza kuzama ukuzichaza ukusukela ngoku. Zivela Ubume obahlukeneyo Kuyo nayiphi na imeko, abatyali mali abancinci nabaphakathi kuya kufuneka baphaphele kakhulu kwiinyanga ezizayo zokungena okanye ukuphuma kwiimarike zezabelo.
Izinto: ukunyuka kwenqanaba
Okokugqibela umzuzu ekungekho mntu ufunayo ubonakala ngathi ufikile xa amalungu emali yendawo ye-euro eza kuthatha isigqibo nge ukunyuka ngokuthe ngcembe ngexabiso lemali. Okwangoku ixabiso lemali alixabisekanga njengoko likwi-0%, kodwa ukuba yonke into iyaqhubeka njengoko kuchaziwe kwiskripthi, kusenokwenzeka ukuba ekupheleni kwalo msebenzi kuya kusekwa kuluhlu phakathi kwe-0,25% kunye ne-0,75% . Akuninzi, kodwa kuseyimilinganiselo engathandwayo kwiimarike ze-equity kwaye ngoko kunokubangela ukuba ukuthengisa kulawule ukuthengwa kwiinyanga ezilishumi elinesibini ezizayo.
Olu hlobo lweendaba alwamkelwanga kakuhle ngabatyali mali kwaye kule meko ayizukukhetha ngaphandle. Yonke into iya kuxhomekeka kubukhulu obonelelweyo konyuso lwexabiso lemali. Kungenxa yokuba ekuqaleni iimarike sele ziziphulile ezi zinto ukunyuka kwexabiso lemali. Nakuphi na ukunyuka okungalinganiyo kuya kuthetha ukuwa okubukhali kwiimarike zesitokhwe kunye nokusikwa ngokubanzi kwixabiso leenkampani ezithengisa esidlangalaleni. Ngaphandle kwezinye izinto eziqwalaselweyo zobuchwephesha kwaye kwezinye iimeko zikwindawo yokujonga esisiseko.
Uxinzelelo kummandla we-euro
Enye ingxaki kulo nyaka mtsha siqalise ukuyizisa yile isuka kuxinzelelo kwamanye amalungu e European Union. Kuya kufuneka sihlale siphaphile kwiinyanga ezizayo kuba naziphi na iindaba ezimbi ziya kuba nefuthe eliyingozi kulondolozo olufakwe kwiimarike zezabelo. Ngapha koko, ayinakulityalwa ukuba ezinye zeenkxaso zokufaneleka ngokukodwa kwiindices zentengiso ephambili ziye zaphulwa. Ngamanye amagama, iimarike sele zinike imiqondiso eyoneleyo yobuthathaka yokuwuthatha lo nyaka njengowona ulungileyo ukungena kwimarike yemasheya.
Kwelinye icala, uyakuba ngunyaka wonyulo jikelele olubalulekileyo kwamanye amazwe abaluleke kakhulu e-EU kwaye banokuzisa isimanga esibi kakhulu esingalindelwanga ngabatyali mali. Ngale ndlela, ulumkiso kufuneka lube ngaphezulu kwezinye izinto eziqwalaselweyo. Isicwangciso esifanelekileyo sokurhweba kulo nyaka unzima ukuhambisa iintshukumo kwi amaxesha amafutshane. Ungaze ube lixesha eliphakathi okanye elide lokusisigxina kuba umngcipheko ungaphezulu kunokuchaphazeleka xa ujongene nokungaqiniseki okubonakaliswa ziimarike zezemali.
Ukunyusa amaxabiso eoyile
Enye into enokubangela ubunzima ekuziveleni kweemarike zamasheya zamazwe aphesheya kukunyuka kwimarike yeoyile kwezi nyanga zidlulileyo. Le nto ibalulekileyo ayilunganga kwiimarike ze-equity kwaye ngale ndlela inokudlala indima efanelekileyo ukuze ukwehla kwimarike yemasheya kuqhubeke nako kulo nyaka uzayo. Abahlalutyi bezezimali bajonga ukuba ixabiso kwioyile ngaphezulu kwe- $ 85 Umgqomo uya kulitshitshisa naliphi na ilinge lokufumana kwakhona iziqinisekiso zorhwebo.
Umbono okwangoku awuthembisi kakhulu kubatyali mali abancinci nabaphakathi. Phi Uvakalelo lweemarike luyanyusa yeasethi eyimali efana negolide emnyama. Kwanele ukukhumbula ukuba kwiminyaka nje embalwa edlulileyo ixabiso leoyile belikuluhlu olwaluhamba phakathi kwama-30 nama-40 eerandi umphanda kwaye oku kwenza kwalula ukuba izabelo kwimarike yemasheya inyuke, kwezinye iimeko ngamandla amakhulu. Kule meko, imeko inokutshintsha ngokubonakalayo ukuya kwinqanaba lokungqina ukuba ioyile inokuba sesona sidlelane simbi kwiimarike zamasheya zamanye amazwe.
Ukuhlaziywa kweenkampani
Alithandabuzeki elokuba kukho ukuhla kancinci kwinzuzo yeenkampani ezithengisa esidlangalaleni. Kwaye le nto ibalulekileyo inokubangela uhlengahlengiso kwixabiso lezabelo ngokubhekisele kumanqanaba athewa thaca ekupheleni kuka-2018. Ke ngoko, kuyakufuneka siqwalasele kakhulu indlela iziphumo zeshishini eziza kuba ngayo kwikota elandelayo. Kungenxa yokuba kusenokubakho enye into engalunganga enokukwenza ulahlekelwe yimali eninzi kwimisebenzi yakho kwimarike yemasheya. Ngamacandelo abonakala ngathi sele efikelele kwelona nqanaba liphezulu xa kuziwa kumaxabiso abo.
Kwelinye icala, awungekhe ulibale kwezi zihlandlo ukuba isilumkiso senzuzo inokuba ingaphezulu kakhulu kunangoku. Ngapha koko, kwi-2018 bekukho ezinye izilumkiso eziye zatshitshisa amaxabiso ezinye zeenkampani ezidwelisiweyo. Ukusuka kule ndawo yokujonga, le nto ingakudlala iqhinga elibi ukuba utyalomali kwiiasethi zakho zemali. Awunakukhetha ngaphandle kokuyalela imisebenzi yakho kwelona candelo likhuselekileyo lemarike yemasheya enokhuseleko kwiiakhawunti zabo zeshishini. Akumangalisi ukuba yimali yakho esesichengeni kulo msebenzi mtsha wentengiso yemasheya.
Ixesha elitsha lokuzihlaziya
Kwaye akunakugwetywa ngaphandle ukuba iimarike zentengiso kwihlabathi liphela zingena kwinkqubo ye-bearish yento ethile kwaye inokubangela ukuba ulahlekelwe yimali eninzi ukuba uvule izikhundla kumaxabiso athile. Ngale ndlela, ayinakulityalwa ukuba ii-equity bezikhona ukunyuka iminyaka emininzi, kugqithisile ekuqondeni kwabanye babahlalutyi bezemali abafanelekileyo. Esi sesinye sezizathu ezinokuthi sichaze ukulungiswa kobuninzi kwiimarike zezemali.
Ukujongana nale meko, esona sicwangciso silungileyo sokutyalomali kukuba kulo ukuhlawulwa ngokupheleleyo. Ukongeza, kuya kukunceda usebenzise amathuba eshishini avelayo kwiintsuku ezimbalwa ezizayo kwimarike yemasheya. Kungenxa yokuba ngaphandle kwamathandabuzo bazakuvela kwaye ngale ndlela kufanelekile ukuba uzilungiselele kwaye olona qeqesho lufanelekileyo kukuba ube ngaphandle kweemarike ngeli xesha phambi kwento enokwenzeka. Ngakolunye uhlangothi, uneminye imveliso yemali esekwe kwingeniso esisigxina ekubonelela ngembuyekezo ethembekileyo neqinisekileyo ngonyaka. Ewe akunakuphakama kakhulu, kodwa baya kukunceda ukuba wonge imali yakho, kwaye ke, kude lee kweyona ndlela yotyalo mali.
Uloyiko lokudodobala koqoqosho
Enye yezinto ezihamba phambili zokuhamba kwe-bearish kwiimarike zesitokhwe luloyiko lwabatyalomali olutsha qoqosho. Le nto ibangela ukuba intengiso inyanzeliswe kwiimarike zokulingana njengoko abatyali mali abaninzi bejikela kwimali engenayo esisigxina njengesicwangciso sokukhusela umdla wabo ngokubhekisele kulawulo lwenkunzi yabo. Ngokwalo mbono, eyona njongo yakho ingangokuba esi siganeko asikubambisi ungalindelanga, njengoko kwenzekayo kwingxaki yezoqoqosho ka-2007 nango-2008, apho uninzi lwabo lwabambeka kwizikhundla zabo.
Akumangalisi ukuba into ekuthethwa ngayo kukutshisa kakhulu kwiimarike ze-equity nazo zidlala indima. Apho izandla zabo ezomeleleyo sele ziqalisile ukulungisa izikhundla kunye nokujolisa kwisicwangciso sabo sotyalo-mali kwezinye iimodeli ezizezinye. Mhlawumbi unokuxelisa ezi zenzo ukuphucula ibhalansi yeakhawunti yakho yokonga xa entsha sele iqalile iphela.