Alithandabuzeki elokuba ukuvela kwamazinga enzala kubaluleke kakhulu kuwo Iimarike zezabelo. Ngandlela thile okanye enye, baya kuthatha isigqibo ekufumaneni ilungelo Elona xesha lilungileyo lokungena kunye nokuphuma kwiimarike zemali, kuzwelonke nakwamanye amazwe. Ngakumbi ngakumbi kule minyaka idlulileyo, apho umgaqo-lawulo wemali ufumana impembelelo ngakumbi ngokubhekisele kwimarike yemasheya. Ukuya kwinqanaba lokuba uhlalutyo lwakho luyimfuneko ngokupheleleyo ngaphambi kokwenza nasiphi na isigqibo sokwenza ukonga kunenzuzo.
Nangona kunjalo, imiyalezo ephikisanayo ethunyelwe ziibhanki eziphambili yenye yeengxaki eziphambili abanokuhlangabezana nazo abatyali zimali abancinci nabaphakathi. Kungenxa yokuba banokude benze omnye umqondiso wokufihla kwifayile ye- iinjongo zebhanki ephakathi zommandla ngamnye wezoqoqosho. Ngokukodwa ezo zivela kummandla we-euro nase-United States ezihamba ngamaxesha ahlukeneyo. Ngempendulo eyahlukileyo kwiingxowa zabo, njengoko ubona kwezi nyanga.
Ewe, awungekhe ulibale ukuba kule minyaka idlulileyo, iibhanki eziphambili zikwazile ukuthintela ukuthengisa kwiimalike. Ngokuqikelela iinkqubo zayo kumazinga enzala. Nangona ihlala inezikhombisi ezingahlali zichanekile kwaye zichanekile imvelaphi yokungazinzi zeemarike zezemali kwesinye isigaba salo nyaka. Njengokuba isebenza ukutsala umdla kwiimarike zemali ukuze zikwazi ukulungiselela iimeko ezintsha zomgaqo-lawulo wemali.
Ixabiso lenzala: inzala yakho kwimarike yemasheya
Zimbalwa izinto eziguquguqukayo kwezoqoqosho esele zinjalo ukumisela kwiminyaka yakutshanje njengamazinga enzala. Ayothusi into yokuba sesinye sezitshixo seengxowa zokunyuka okanye zokuwa ngamandla amakhulu kwiintshukumo zazo. Okungaphezulu kokungaphaya kohlalutyo lobuchwephesha kwezokhuseleko. Ukuba uyazi kakuhle inzala, kuya kuba nzima kakhulu ukusebenza neemveliso zemali ezisekwe kwii-equities. Ayisiyo kuphela ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya, kodwa kwezinye ezinje ngemali yotyalo-mali, ukuthengisa ngetyala okanye iziqinisekiso, phakathi kwezinye zezona zibalulekileyo.
Oku kubaluleke kakhulu ukuba ngalo lonke ixesha kukho intlanganiso yamabhunga olawulo, umdla phakathi kweearhente ezahlukeneyo zezemali uyachukunyiswa. Yintoni egqithisile, ngokwahluka okukhulu kumaxabiso ezokhuseleko ezenza eyona indices zemarike yestokhwe. Yinto onokuyijonga rhoqo rhoqo ngexesha lokugqibela. Kwaye oko kunokukuchaphazela ukuba ufumane okanye uphulukane nemali kuyo yonke imisebenzi eyenziwe ngokusesikweni kwiimarike zemali. Ayothusi into yokuba yinto ekufuneka uyithathile ukusukela ngoku ukunciphisa umda ukungaqiniseki kotyalo-mali lwakho.
Phantse ukunyuka simahla ngenxa yamaxabiso asezantsi
Ngayiphi na imeko, esinye sezehlo esivelise ukuba amaqondo wenzala kwilizwekazi elidala akuyo imvelaphi esembalini kukomeleza okukhulu okuye kwanika ii-equities zaseYurophu xa zizonke. Ukuya kwinqanaba lokuba ikwimeko yokunyuka okuqhubekayo kunye nokwenza ngokubanzi. Ngolungiso olulandelayo oluthe lwasebenza ukunika ithuba elitsha kubatyali zimali abancinci nabaphakathi ukuba baphinde basebenze kwiimarike zemali. Imeko ngendlela encomekayo kubo bonke, ngaphandle kweprofayili abayibonisayo. Ukusuka kweyona nto inochuku ukuya kunqabileyo yokuzikhusela kwaye ngaphandle kokukhetha ngaphandle kwalo naluphi na uhlobo.
Oku kukhokelele kwixesha elizinzileyo kuzo zonke iimarike zaseYurophu kwaye ngokuqinisekileyo akulindelwanga ngabanye beearhente eziphambili zezemali. Enye into eyahluke mpela kuzakwenzeka ntoni ukusukela ngoku. Ngokukodwa, ukuba utshintsho olulindelekileyo kumanqanaba enzala lwenzeka kwicandelo labasemagunyeni bezemali. Njengomphumo wabo, utshintsho olukhulu kumkhwa okanye ukulungiswa okunamandla kunokuba kuqhelekileyo akukhutshelwa ngaphandle. Ayothusi into yokuba yimeko apho kuya kufuneka uphile nayo kwikota yokugqibela yonyaka. Ukuya kwinqanaba lokuba awusenaso esinye isisombululo ngaphandle kokwahluka kwesicwangciso sakho sotyalo-mali.
Kufuneka wenze ntoni kutshintsho lwendlela?
Nangona kunjalo, umbuzo wezigidi zeedola oza kuzibuza ngeli xesha yinto onokuyenza ukuba olu tshintsho kwindlela eyenzeka ngayo ekugqibeleni yenzekile. Ewe kunokwenzeka ukuba ingozi yomzuzwana kwiimarike zezabelo. Nangona kunjalo, awungekhe ulibale ukuba yimeko enokutshintsha nangaliphi na ixesha. Kungekudala okanye kamva, kodwa akukho nto kwiimarike ze-equity ezihlala ngonaphakade. Kuya kufuneka ufunde ukuba akukho nto ivukayo okanye iwayo ebomini. Ukuze ukwazi ukwenza kwezi meko, akukho nto ibhetele kunezinye iingcebiso ezilula onokuzisebenzisa ukusukela ngoku.
- Kuya kufuneka ubambe izikhundla zakho okoko lo mkhuba uqhubeka. Kwaye ewe, okoko nje kukho nawuphi na umqondiso wokuba buthathaka, iya kuba sisizathu esifanelekileyo sokuhlehlisa izikhundla. Kulungile phantsi kwemisebenzi engaphelelanga okanye iyonke kuxhomekeke kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi.
- Ngethuba nje ukuba inzala iphantsi njengokuba kunjalo namhlanje, unokugcina izikhundla zakho kwii-equities ngaphandle kwengxaki. Iya kuba yi escudo Oku kuyakukhusela kwilahleko enokubakho kwixabiso leasethi eyimali. Umzekelo, kwenzeka ntoni ngalo mzuzu kwimarike yaseYurophu.
- Yiyo amacandelo anobundlobongela okanye isitokhwe abo baqhuba kakuhle kwezi meko zikhethekileyo zoqoqosho. Ayothusi into yokuba zezona zivelisa ezona mbuyekezo zinamandla kwiimarike zezemali. Ngaphezulu kwamaxabiso athathelwa ingqalelo njengokuzikhusela ngakumbi okanye ngokuthe ngqo njengexabiso lokubalekela.
- Los ingozi ukuba la maxesha anamazinga enzala asezantsi abandakanya ukuhla kakhulu kunezinye iimeko. Awunakulibala ukuba iphantsi kwesikhokelo esikhuthazayo esigcina isikhundla somthengi ngaphezulu kwezo zenziwe ngabathengisi. Ayilolize, sisiqinisekiso esikhulu ukuze uqalise ukusebenza kwakho kwiimarike zezabelo.
- Ukungathandabuzeki kuphela okufuneka ube nakho kwinqanaba apho kufuneka shiya izikhundla zakho kwiimarike zezemali. Ngale ndlela, uninzi lwamaxesha luya kuxhomekeka ekubeni isicwangciso sakho sotyalo-mali siyintoni na okanye iprofayile oyivezayo kubudlelwane bakho nelizwe elinzima lemali. Oko kukuthi, uya kuba nokuguquguquka okuninzi ukwenza ii-odolo zakho zokuthengisa.
- Los imiqathango yokuhlala kwezi meko zokulingana ziphezulu kunezinye. Ngokubanzi zimiselwe ixesha eliphakathi, ngokusisigxina phakathi kwe-12 ne-18 leenyanga malunga. Ukuze ukwazi ukwenza imisebenzi yakho, kuya kufuneka ujonge amaxabiso alungele ezi meko zikhethekileyo kwimarike yemasheya.
- Kuya kufuneka ukhumbule ukuba ngamazinga enzala asezantsi unokuba nomsindo ngakumbi nakuwuphi na umsebenzi owenzayo kwiimarike zezabelo. Nokuba ngamanqanaba ongenakucinga ngawo kwezinye iintlobo zemeko. Unokutyala imali yakho kumacandelo athile ngakumbi, njengonxibelelwano ngocingo, ubuchwepheshe obutsha okanye urhwebo lwe-elektroniki.
Ukutshintshiselana ngesitokhwe kwilizwekazi elidala
Ewe zonke ezi zicwangciso zijolise kwimeko enje ngoku yaseYurophu. Nangona kunjalo, iyaphuma njengoko abasemagunyeni kwezemali basekuhlaleni sele benika izaziso zokuqala malunga notshintsho kwimigaqo-nkqubo yangoku. Kukho intetho yokuba inokwenzeka kwikota yokugqibela yonyaka. Okanye kweyona meko imbi, ngeenyanga zokuqala zonyaka-mali olandelayo. Yimeko entsha ekufuneka uyiqwalasele ukusukela ngoku.
Ngayiphi na imeko, kuya kufuneka ukuba ube uyazazi zonke iindaba ezenziweyo kulo mbandela kwilizwekazi elidala. Ukuze ukwazi ukwahluka okanye ukuguqula ipotifoliyo yakho yotyalo-mali nangaliphi na ixesha nakwimeko. Ukuze ibe njalo, awunakukhetha ngaphandle kokuba ukwamkela iintshukumo Oku kwenzeka kwimizimba efanelekileyo. Akukho ngelize, baya kukunika ngaphezulu kwesikhombisi esinye apho izithonga ziya kuhamba khona ngale ndlela. Ngesixhobo esikhulu ukuze ukwazi ukwenza izigqibo zakho ngokuchanekileyo nangokufanelekileyo ukusukela ngoku.
Akukho mathandabuzo ukuba ayizukuba ngumsebenzi olula, kodwa nge umgudu omncinci Kwaye ngethamsanqa elithile uya kuba nakho ukuhlangabezana neenjongo zakho zotyalo-mali. Ukuze ngale ndlela, ukwenza isibonelelo esinenzuzo ngempumelelo ayisiyiyo i-utopia, ikude kuyo. Kusemva kwayo yonke enye yeenjongo ekufuneka uzibeke kwilizwe lemali notyalo-mali. Zombini ngokubhekisele ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya, kunye nekhontrakthi yezinye iimveliso zezemali (iimali zotyalo-mali, ikhredithi okanye ukuthengisa okucwangcisiweyo, phakathi kwezona zibalulekileyo).
Umvuzo awuyi kuba yimbi ngaphandle kokulinganisela okunempilo kwiakhawunti yakho yokujonga njengesiphumo sokusebenza okungcono okucwangcisiweyo kwasekuqaleni. Awuzukukhetha ngaphandle kokuthobela ukuze ukonwabele ukuzuza kwemali minyaka le. Ngokuqinisekileyo iya kuba sisikhuthazo ongayi kukwazi ukuyeka ukusukela ngoku ukuya phambili.