Bambalwa abantu abenza isigqibo kwikamva lezabelo kwilizwekazi elidala njengokuba kunjalo nanamhlanje UMongameli we-European Central Bank (ECB), UMario Draghi. I-Supermario njengoko ihlala ibizwa njalo ngabahlalutyi bezemali. Izigqibo zakhe zinjalo Impembelelo kwimarike yemasheya ukuba naluphina uluvo lunokuvelisa ukunyuka okanye ilahleko kwii-indices zaseYurophu zesitokhwe. Ukuza kuthi ga kwinqanaba lokuba iimarike zezemali zinoxanduva lokulinganisa zonke izivakalisi zazo, kwaneesemikholoni zazo. Yenye yeebenchmarks zokutyala imali kwii-equities, njengoko bekunjalo kwiminyaka yakutshanje.
Yonke intlanganiso ebanjwe yimali yezemali yaseYurophu ilandelwa ngolindelo olukhulu ngazo zonke iintlobo zabatyali zimali. Oko bakubonayo ngamazwi abo, kwaye kutheni kungenakuthetha nabo, esona sixhobo silungileyo sokusekela izigqibo zakho. Nokuba kungena kwiimarike zezemali ngendlela egqibeleleyo, okanye ngokuchaseneyo nokulungisa izikhundla ngamandla ngakumbi kunesiqhelo. Njengokuba bethetha kakubi, into ethethwa nguMario Draghi "iya kubunzima". Iya kuba sisalathiso onokuyifumana ukwazi ukuba kufuneka wenzeni kubudlelwane bakho nelizwe elihlala linzima lemali.
Akumangalisi ukuba abatyali mali abaninzi bengenzi ntshukumo kwiimarike zezabelo de uDraghi abonakalise umba wezoqoqosho ngokubaluleka okuthile. Oku bekusenzeka ukusukela oko weza kuchophela elona ziko liphezulu lezezimali. Okungaphezulu koko kwenzekileyo kunye nomanduleli wakhe waseFrance uClaude I-Trinchet. Akumangalisi ukuba uninzi lwabatyali mali abancinci nabaphakathi ngoku abalibiza ngokuba "lixesha leDraghi". Ewe kunjalo, azisileli kwizizathu ngokunikwa iintshukumo ezinamava kule minyaka idlulileyo.
Draghi kunye nexabiso lenzala
Esona sizathu siphambili sokugcina le nzala ibambekayo kungenxa yokubaluleka kwexabiso lenzala ngalo mzuzu wangoku kwii-equity zaseYurophu. Kwimizuzwana embalwa xa Ixabiso lemali liphantsi kwimbali ngokuba kwi-0%. Ngamanye amagama, ixabiso lemali liphantse libe zero. Kodwa ngoku, yonke into ibonakala ngathi inokutshintsha ukuphela kweminyaka ngenqanaba lokuqala lokunyuka kwiminyaka emininzi. Apho abatyali mali bayakulinda into ayenzayo, kodwa nento ayithethayo, iwizard yezabelo zaseYurophu, uMario Draghi.
Ngesizathu esilula kakhulu ukusiqonda kwaye kukuba i-downtrend yangoku iyinzuzo kwimarike yemasheya kunye nabatyali mali bayo. Ayothusi into yokuba ngumlinganiso osoloko ufunyanwa kakuhle ziimarike zezemali. Akumangalisi ke ngoko ukuba ukuvela kwayo kwiminyaka yakutshanje kube njalo Ukucacisa ngokucacileyo. Nangona naluphi na utshintsho kule asethi yemali lunokuphazamisa imbonakalo yentengiso yesitokhwe. Kuba, enyanisweni, ukunyuka kwexabiso akunakutolikwa kakuhle ziimarike zemali. Ubuncinane kwixesha elifutshane. Enye into eyahlukileyo ngamanye amaxesha okuhlala ixesha elide.
Kule meko ngokubanzi, amazwi kaDraghi iya kuhlalutywa kweyona nkcukacha zincinci. Njengeyona nto iphambili ekubhekiswa kuyo kuyo yonke indawo yokutshintshiselana ngesitokhwe kwilizwekazi kwaye mhlawumbi nefuthe elinamandla ngakumbi lendawo. Awuyi kuba nakho ukulibala ukuqeshwa kwabameli abaphezulu kuluntu. Mhlawumbi inokuchaphazela isigqibo sakho esilandelayo sokuthenga okanye ukuthengisa ukhuseleko oluku radar yakho. Awuyi kuba nguwe kuphela umtyalomali ohamba kule meko ukusukela oko ukulinganisa imeko yale marike yezemali akukho nto ingcono kunaleyo inokuthethwa yibhanki yase-Itali.
Iintlanganiso zeECB
Omnye wemiqondiso wokuba uthathe isigqibo kutyalo-mali lwakho kwimarike yemasheya umiselwa ziintlanganiso ezibanjwa rhoqo ngenyanga ziinkokheli zelizwe. umgaqo-mali ekuhlaleni. Iziseko zihlala zibekelwa izigqibo eziza kwenziwa yi-ECB kwiintsuku ezizayo. Ngefuthe elibonakalayo kwiimarike zezemali, zombini ngengqondo enye kunye nenye. Awunakho ukulibala ukuba iintsuku xa kubanjwa ezi ntlanganiso, iimarike zentengiso zibonisa ukungazinzi okukhulu. Ngemida ephezulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi.
Emva kwale mibhiyozo iimarike zezemali zibonisa imeko echazwe ngakumbi kunangoku. Akumangalisi ukuba izigqibo zihlalutye nzulu kwaye abatyali zimisele isigwebo sabo ngendlela yokuthenga okanye yokuthengisa, ngokusekwe kutoliko lwabo. Ukuba usebenzisa esi sicwangciso sotyalo-mali, kuya kuba lula kakhulu ukuba ungenzi iimpazamo xa usenza izigqibo. Ukuya kwinqanaba lokuba uya kuba neenzuzo ngakumbi zokunyusa ukusebenza kwesitokhwe.
Awona maxabiso abuthathaka
Nokuba yeyiphi na indlela, kukho inani leenkampani ezidwelisiweyo ezamkela ngakumbi izibhengezo ezivela kumagunya emali. Zezona zikhethekileyo zezemali ukuwa okanye ukunyuka kwamaxabiso abo ngamandla amakhulu kunamanye amaxabiso omvuzo oguqukayo. Esi sizathu ikakhulu kungenxa yokuvezwa kwayo kakhulu yimigaqo-nkqubo yezemali ekhuthazwe yibhanki ephambili yaseYurophu. Kungoko ukungazinzi kwayo kuphezulu kwaye kukho umahluko omkhulu kwixabiso lale mihla. Elinye lawona macandelo achatshazelwe zezi zigqibo ngalawo avela kumacandelo ajikelezayo oqoqosho.
Ngayiphi na imeko, awungekhe ulibale ukuba impendulo yala macandelo ayinangqondo, kunye neepesenti, ngengqondo enye okanye enye, enokuthi yiya kwinqanaba le-5%. Kukwezi zindululo apho unokukhulisa khona iindlela zakho zokurhweba ngentuthuzelo enkulu. Nangona iklasi yokusebenza egcinelwe kuphela abatyali mali abanamava ngakumbi kwiimarike zezemali. Ngokukodwa ukuba imeko ebonakalayo icacile. Ngamathuba amakhulu okwenza ishishini kwezi ndlela zotyalo-mali.
Iingcebiso zotyalo mali ngempumelelo
Ukuze ukwazi ukuhambisa utyalomali lwakho ngesiqinisekiso esikhulu sokhuseleko, akukho nto ingcono kunokungenisa uthotho lweengcebiso kwinto ekufuneka uyenzile ukusukela ngoku. Iya kuba yindlela yokwenza iimpazamo ezimbalwa, kodwa ngaphezulu kwako konke ukwandisa ukusebenza kweyona ndlela ifanelekileyo. Kuya kufuneka ubenze bazimisele kwaye ulumke kancinci. Ngale migca ilandelayo yezenzo esiza kukubhenca apha ngezantsi.
- Kububulumko kakhulu lindela ezi ntlanganiso zenzeke ke unokwenza isigqibo esithe kratya. Iya kuba yeyona ndlela ilungileyo onokuthi ukhusele ngayo iminikelo yakho yezemali. Ngesiseko sokwenyani sokunyanzelisa ii-odolo zakho zokuthenga kwiimarike zezemali.
- Ukuba imisebenzi yakho iya kujoliswa kwelona ixesha elifutshane, Akukho mathandabuzo okuba ukuthenga kwakho kunokuba ndlongondlongo kunakwamanye amaxesha. Awunakulibala ukuba iimpendulo zeemarike kwezi ntsuku zihlala zinobundlobongela. Kungcono okanye kubi, kuxhomekeke kwimeko nganye.
- Kuya kufuneka ubenjalo Ndiyazi kakuhle yonke intshukumo eziphuhla kwiimarike zezabelo. Ngenxa yokuba, kuya kuba kubaluleke kakhulu ukuba uhlengahlengise amaxabiso okuthenga kunye nokuthengisa kakuhle. Ukuze umsebenzi wenziwe ngokuchanekileyo kwaye ngokuhambelana nomdla wakho njengomtyali mali omncinci nophakathi.
- Ubeka umngcipheko we kuba mva ukunyuka, ukuba oku kuyenzeka ngenene. Ngale ndlela, awusenaso esinye isisombululo ngaphandle kokwazi ngokuvela kweemarike zezabelo ukusukela oko zivula.
- Ukuba awufuni kumangaliswa kakubi, unenye indlela yokumisela i- umyalelo wokhuselo welahleko. Ukuze ngale ndlela ubekwimeko engcono yokulawula iintshukumo kumaxabiso esitokhwe.
Ulwazi olufanelekileyo kakhulu
Alithandabuzeki elokuba izigqibo ezenziwe yibhanki ekhupha iYurophu ziya kugqiba ibhalansi yotyalo-mali lwakho. Ngesi sizathu kubaluleke kakhulu ukuba uyazi imihla ezenziwa ngayo kwaye zibandakanyiwe kweyakho ucwangciso lomsebenzi kwiinyanga ezimbalwa ezizayo. Mhlawumbi impumelelo okanye hayi yale misebenzi iya kuxhomekeka kolu lwazi. Ukuze ube ukwimeko engcono yokunyusa ukuthengwa kwakho kunye neentengiso ukusukela ngoku.
Ngale ndlela, kuya kufuneka ukhumbule ukuba i-ECB idibana veki nganye. Kodwa okubaluleke ngakumbi, ziingxelo zikaMario Draghi kwaye zinika isikhokelo malunga noko bazokukuthetha kwiintsuku ezimbalwa ezizayo. Ngokwesiqhelo awuyi kuba nangxaki yokufikelela ukusukela kolu lwazi kubonakala phantse kuwo onke amajelo eendaba. Nokuba utoliko olupheleleyo ngabahlalutyi abadumileyo bezezimali. Baza kukuxelela phi ukuba leliphi ikhondo elinokuthatyathwa ngamashishini ngaloo mathuba.
Nangona kunjalo, eyona nto iphambili ekusebenziseni esi sicwangciso sikhethekileyo kukuba unokufika emva kwexesha. Kungenxa yokuba kwimarike yemasheya i-axiom yakudala "yokuthenga ngehemuhemu kwaye uthengise ngeendaba" iyasebenza. Ukuba uyayiphumeza, uya kuba nokuhamba okuninzi okufumanekayo ukufezekisa iinjongo zakho. Kuba, enyanisweni, awungekhe ulibale ukuba ubulungisa bulindele iindaba kunye nemeko zoqoqosho. Awunaso esinye isisombululo ngaphandle kokukhawuleza kwiintshukumo zakho kwiimarike. Ukuze ngale ndlela, ukwazi ukwandisa ibhalansi yeakhawunti yakho yokujonga. Oko kukuthi, emva kwayo yonke loo nto, konke okubandakanyekileyo.