Ngokuqinisekileyo konke kuya kubakho amaxesha ngamaxesha Ndikhathele ukurhweba kwimarike yemasheya ukwenza ukonga kunenzuzo . Kungenxa yokuba imeko yayo isezantsi, okanye iphambi, okanye kungenxa yokuba sele ukondliwe yile mveliso. Ewe kufuneka uyazi ukuba kukho ubomi ngaphaya kweemarike zentengiso. Ngokungenasiphelo se izindululo Utyalomali olunokwanelisa ibango lakho ngesibheno esikhethekileyo. Ukuza kuthi ga kwinqanaba lokuba imisebenzi yakho ibe yinzuzo ngakumbi kunangoku.
Kuya kufuneka uyazi ezi mveliso zezezimali ukuze uzisebenzise ngexesha elithile. Ngayiphi na imeko, baya kufuna ulwazi olungaphezulu koomatshini bayo. Kuba enyanisweni, kwezinye iimeko zinzima ngakumbi ukuzisingatha. Akunanto, unokufumana ingozi enkulu Oko kunokubeka esichengeni izikhundla zakho kutyalo-mali oluthile. Kuba enye yeenjongo zazo kukukhusela iiasethi zakho ngaphezulu kolunye uxabiso. Yinto ekufuneka uyichaze kwasekuqaleni. Ungakulibali ukuze ungathathi isimanga esibi ukusukela ngoku.
Kungenxa yokuba, eyona mpazamo iphambili yabatyali zimali abathengisayo kukucinga ukuba banokutyala imali abayigcinileyo kuphela ekuthengeni nasekuthengiseni izabelo kwiimarike zesitokhwe. Kwaye nangona iyinxalenye ebaluleke kakhulu yotyalo-mali, awungekhe uyilibale loo nto Unolunye uthotho lweemveliso zemali oko kunokuba luncedo kakhulu xa ujonge imbuyekezo ephezulu kwimirhumo yakho yemali. Ingxaki kuphela oya kuba nayo xa kufuneka ubaqeshe.
Ungenza ntoni ngemali oyongileyo?
Inkunzi ephuhlisiwe kwasekuqaleni yinto enzulu kangangokuba akufuneki ushiye nantoni na ukuze uphucule. Ewe akunjalo, kwaye oku, yeyiphi indlela ebhetele kunokuhlalutya uthotho lweemodeli zokonga ezinokuba luncedo kakhulu ngalo naliphi na ixesha. Oko akuthethi ukuba urhweba nabo rhoqo. Kodwa endaweni yokuba uyazi ukuzisebenzisa. Uya kuhlala ufumana imeko apho baya kuba nobuthathaka ngakumbi kwisicelo sakho. Eyona nto ibaluleke kakhulu, baya kukubonelela ngethemba elingcono kunenzuzo eziqhelekileyo.
Uncedo lokukhetha esi sicwangciso sotyalo-mali lusekwe kwinto yokuba lunako lungelelanisa iprofayili oyivezayo njengomtyalomali omncinci nophakathi. Zombini zezona zabasebenzisi banoburhalarhume, kunye nakwabo babonisa ukulumka ngakumbi ekusebenzeni kwabo nelizwe lemali. Ngokusekwe kwesi siseko sibalulekileyo, uya kuba kwezona meko zilungileyo zokuphuhlisa imodeli efanelekileyo yotyalo-mali ethathela ingqalelo iimpawu zakho. Ayothusi into yokuba iyakukunceda ukhusele nezikhundla zakho kwezona meko zibi kwiimarike zezemali.
Kutheni kungabikho noti yebhanki?
Ewe ayisiyomveliso yebhanki eyaziwayo kuninzi lwabasebenzisi. Kodwa iyakwazi ukuhlangabezana neemfuno zabathengi abanomdla ngakumbi ngamanye amaxesha okanye kwenye. Ewe kunjalo ifana kakhulu nedipozithi yekota, kodwa ngumahluko omkhulu. Ayikho enye into ngaphandle kokubona umdla wakho. Kungenxa yokuba abakakhuli njengoko kuhlala kunjalo kwiidiphozithi. Endaweni yoko, uya kubafumana ngalo mzuzu kanye wokumiselwa ngokusemthethweni, njengoko kusenzeka kumatyala oluntu: amatyala, iibhondi, njl. Eli galelo liya kukuvumela ukuba ugcine ulwaziso olukhulu kwiakhawunti yakho yokujonga ukusuka ekuqaleni.
Nangona umvuzo wakho ukwimigca efanayo neebhanki, unezixhobo ezimbalwa zokunyusa. Kuba maninzi amaziko ezemali akhupha le mveliso. Njengokuba imigaqo esisigxina isandiswa, uyakuba namathuba amaninzi okuba imbuyekezo kulondolozo lwakho ifaneleke ngakumbi kukhetho lwakho. Nangona ungalindelanga umvuzo omkhulu ongasokuze ubekho kwimeko efana nale ikhoyo ngoku. Ngesizathu esilula kakhulu sokuchaza kuba kubangelwa kukuncitshiswa kwexabiso lemali. Kwindawo ye-euro okwangoku ikwi-0%, ngenxa yesiphumo somgaqo-mali we-European Central Bank (ECB).
Imali ehlawulwayo yorhwebo
Enye impazamo abanayo abanye abatyali mali kukuba banokutyala imali abayigcinileyo kwingeniso esisigxina ngeemveliso zebhanki kunye neengxowa mali zotyalo-mali ngokusekwe kule asethi yemali. Ewe akunjalo, kuba imveliso efana nengxowa-mali yokurhweba eyanelisa eli bango le- ezinye izinto ezikhuselayo. Yimodeli yotyalo-mali engumxube phakathi kweemali ezihlangeneyo kunye nokuthengwa nokuthengiswa kwezabelo kwiimarike zezemali. Kodwa ngothotho lweekhomishini ezikhuphisana ngakumbi kunale meko.
Enye yeenzuzo zokukhetha le modeli yahlukileyo kukuba ikuvumela ukufikelela kuzo zonke iintlobo zeeasethi eziyimali zolu hlobo. Ukuza kuzo zonke iindawo eziphambili zehlabathi. Kwaye ungayirhumela kakuhle kwikhaya lakho ngokusebenzisa ikhompyuter kwi-intanethi yebhanki. Kungenxa yokuba, eyona nto ifunekayo ekufuneka uyifunayo kukuba ngumthengi weziko kwaye ufikelele kwimixholo yayo ngegama eligqithisiweyo. Ngale ndlela, unokukhetha ingxowa-mali yokurhweba ehambelana neempawu zakho njengomtyali mali wentengiso. Akukho Okuninzi.
Ukubuyiselwa umva kweemarike ezingathandekiyo
Kodwa kwenzeka ntoni xa imeko yangoku ingalunganga kuhlaziyo lweemarike zezemali? Ewe, ukuba le meko izalisekisiwe, awunakuba nakho konke okwenzekayo kwimali yakho. Kungenxa yokuba oko kubizwa ngokuba ziingxowa-mali eziguqukayo. Oko kukuthi, uya kwenza izikhundla zakho zinenzuzo ngokuwa kweemarike okanye iiasethi zemali. Ayisiyiyo kuphela inkqubo esebenzayo yengxowa, Endaweni yoko inokusetyenziswa kwisinyithi esichanekileyo, izinto zokwenza izinto, njl. Kuya kufuneka uqiniseke ukuba ezi ntshukumo ze-bearish ekugqibeleni ziya kuphuhla.
Ngeli qhinga lotyalo-mali unokufumana imali eninzi. Ewe kungaphezulu kwezinye iimveliso zemali. Kodwa ke lumka kakhulu ngeenjongo zakho zokubaqesha, kuba unokuvelisa ilahleko ezinzulu. Ngaphezulu kunokuba unokucinga kwasekuqaleni. Kungenxa yolu lwazi lodwa ekufuneka uhlalutye kubunzulu ukuba kufanelekile ukukhetha le ndlela inobungozi. Ngabatyali mali abakhohlakeleyo kuphela abaya kuba kwimeko yokuphumeza ezi ndlela kwizigqibo zabo.
Ukudibanisa kunye nediphozithi yekota
Iibhanki, ukugcina abathengi bazo, ziyile ezinye iifomula ezahlukeneyo ukuze uzenzele inzuzo ngeasethi yakho. Kwaye enye yazo ivela kwiirhafu ezinxulumene neemarike zezabelo. Olu khetho luyakuvumela phucula imida yenzuzo ukuba iidipozithi zikunika lo mzuzu. Kodwa kutshintshiselana kuthotho lweemeko eziza kwenzeka. Phakathi kwabo, ukuba amaxabiso okhuseleko okanye ii-indices zesitokhwe afikelele kwithagethi. Into engasoloko iyinyani, kude nayo.
Ngayiphi na imeko, ivelisa inzala emiselweyo neqinisekisiweyo. Nangona kunqabile ukudlula isithintelo se-1%. Kodwa iya kukunceda ukonyusa ibhegi yokonga kwixesha eliphakathi okanye elide. Kungenxa yokuba, bacinga ngamaxesha aphezulu okusisigxina kunakwimeko yesiko. Zisusela kwiminyaka emibini ukuya kwemine, kwaye azinakurhoxiswa, nokuba kuyinxalenye okanye ngokupheleleyo. Ukuba yenye yeengxaki zokuqesha. Ukongeza, ayithethi naluphi na uhlobo lweekhomishini, okanye inkcitho kulawulo lwayo okanye kulawulo.
Izinketho zexesha elizayo: ngakumbi ngakumbi
Uyilo lwezezimali luvuselelwa ngohlobo lokuba nezona mveliso zinobunkunkqele nezindlongondlongo ziye zenziwa zasebenza. Ayenzelwanga nayiphi na iprofayili yotyalomali. Kodwa ngokuchaseneyo, banabamkeli babo abaphambili kwabona banamava. Ngesizathu ekulula ukusichaza kwaye kungenxa yokuba umngcipheko mkhulu. Ngaphezulu kwezinye iimveliso zezezimali, ngokuqinisekileyo ezibandakanya ukutyala imali kwimarike yemasheya. Abathandanga kakhulu kuwe ukuba unikele ngemali eninzi. Xa umrhumo wakho uphantsi, kokukhona amaxhala akho aya kuba mbalwa ukusukela ngoku.
Ezi ayizizo iimodeli eziza kusebenza rhoqo. Kodwa unokuyisebenzisa ngexesha elithile. Kodwa akukho enye into kuba ungashiya i-euro ezininzi endleleni. Nokuba yinxalenye ebaluleke kakhulu kwiimali ezinkulu ezityaliweyo. Yintoni egqithisile, Kuya kufuneka uyazi ukuba bunjani ubucukubhede bayo. Oko kukuthi, ukuba namava amaninzi ekusebenzeni. Ukuba awuzifezekisi ezi mfuno, kungcono uyeke eli linge. Kungenxa yokuba kuwo onke amathuba uya kufezekisa iinjongo zakho, ukuba akunjalo ngokuchaseneyo.
Njengoko sele ubonile, kukho ubomi ngaphaya kwengxowa. Ngoku kufuneka ukhethe eyona ndlela ifanelekileyo yokwanelisa ibango lakho. Apho kufuneka dibanisa inzuzo eyandileyo kunye nokhuseleko lokonga. Ngokuqinisekileyo iya kuba sisitshixo sokwenza yonke imisebenzi ibe yinzuzo. Ewe unokukhetha ukufikelela kule njongo, kodwa inzala eya kuthi ibe negalelo kwiakhawunti yakho yokutshekisha iya kuncitshiswa. Kwimeko nayiphi na into, akusiyo isigqibo esilula ukwenza. Kodwa ngokuchaseneyo, uyakufuna uhlalutyo oluneenkcukacha, hayi malunga neemveliso ezinikwe amandla kuphela, kodwa kunye neemfuno zakho zokwenyani kwilizwe lotyalo-mali.