Ukuvela kwexabiso lenzala yenye yezinto ezibonisa umkhombandlela oza kubekwa ziimarike zamasheya kwihlabathi liphela. Kuwo omabini la manyathelo, kuxhomekeke ekubeni ngaba Isicwangciso semali kukunyusa okanye ukuthoba. Iya kuba yiparameter engaphezulu kokuthatha isigqibo sokuba uvule okanye uvale izikhundla kwiimarike zezabelo. Ukufikelela kumanqanaba anzima kakhulu njengoko ubonile kule minyaka idlulileyo. Ukuphenjelelwa yimigaqo-nkqubo eyenziweyo kwicala elinye nakwelinye iAtlantic.
Kwimeko yezoqoqosho yangoku, izigqibo zeebhanki ezingoovimba beendawo eziphambili zemveliso emhlabeni ziya zibalulekile. Ngokuqhelekileyo rhoqo kwiintshukumo eziye zaveliswa ngenxa yeenjongo zabo bajongene nomgaqo-lawulo wemali. Ukuya kwinqanaba lokuba zinokukwenza uphumelele okanye ulahlekelwe yimali eninzi kwimisebenzi oyibeke ngokusesikweni ukusukela ngoku kwiimarike eziphambili zezemali. Kungenxa yoko le nto kubaluleke kakhulu ukuba uyithathele ingqalelo indaleko yayo kwixesha elifutshane neliphakathi.
Ukusuka kule meko ngokubanzi, akukho mathandabuzo ukuba amaqondo wenzala aya kuba ngaphezulu kokufanelekileyo ukuze ulungiselele buchule. Ngaphezulu kolunye udidi lohlalutyo, kokubini kwifayile ye- Unxibelelwano lobugcisa njengesiseko. Ngesi sizathu sinye, uya kuba nesizathu esingaphezulu kwesinye sokulawula iphothifoliyo yakho yotyalo-mali. Ngamaxabiso athile abuthathaka kunabanye ukuthatha ezi ntshukumo kwixabiso lemali. Nokuba yeyiphi na indlela, zibeke kwimeko embi, kuba zonke iingqikelelo ziya kwicala lokonyuka kwenqanaba lenzala.
Iindidi: kutheni zimisela?
Ngokubhekisele kwiimarike zezemali zaseMelika, izinto zibonakala zicacile kunezaseYurophu. Akumangalisi ke, ayimangalisi into yokuba konke oku kuya kuba ziziphumo zemigaqo-nkqubo ye uDonald Trump bazobonana kunyaka olandelayo. Ukusuka kule meko inzima, akusayi kubakho khetho ngaphandle kokuqonda kunye namaxabiso athile aseMelika kwakhona. Banokuvelisa ngaphezulu kwesimanga esibi kwezi zihlandlo. Kungenxa yokuba olunye loyiko olukhulu olubambe abatyali zimali abancinci nabaphakathi kukuba imeko jikelele yeemarike kule ndawo yezoqoqosho inokujikwa nangaliphi na ixesha. Njengoko besikulumkisile ngale ndlela.
Amanqanaba enzala asezantsi ahlala eluncedo ngakumbi kwiimarike zezabelo kunakwindlela eyahlukileyo. Ngenxa yezizathu esele zichaziwe kumanqaku angaphambili. Ngale ngcaciso nayiphi na Utshintsho lwendlela banokunyanzelisa izikhundla ezimfutshane kubathengi. Ngayiphi na imeko, iya kuba sisizathu esifanelekileyo sokuba uzishiye izikhundla zakho ukuba utyale imali kwiimarike zesitokhwe sezemali. Inokuba sesona sicwangciso sisebenzayo sokukhusela ukonga kwakho ngokuqina ngakumbi kwiindlela zakho zobuchule.
Enye into eyahlukileyo kakhulu yile yenzekayo kwiindidi zelizwekazi lakudala. Apho nantoni na enokwenzeka khona. Impendulo eveliswe ziimarike zemali ukusukela ngoku ukuya phambili ayinakulindeleka. Ukhuseleko oluncinci alunakuze lukuonzakalise ukuze uphuhlise naluphi na uhlobo lwezicwangciso. Nangona yonke into ibonakala ibonisa ukuba ukunyuka kwamazinga kuya kuba kwixesha eliphakathi. Kodwa hayi ngexesha leenyanga ezimbalwa ezizayo kuba imeko efanayo iya kugcinwa kude kube ngoku. Oko kukuthi, ngexabiso eliphantsi kakhulu lemali, kwimbali eyi-0%.
Ngawaphi amacandelo asengozini?
Lo nyaka unokuba ngunyaka weebhanki. Le yingxelo yabahlalutyi abaninzi abalandela ngokusondeleyo iimarike zezabelo. Ngesizathu esilula kakhulu sokuchaza kwaye oko kusekwe kwinto yokuba baya kuba ngabona baxhamli baphambili kwisigqibo esinokubakho I-European Central Bank (ECB) ukunyusa amaxabiso kulo nyaka. Kwimeko apho, iya kubavumela ukuba bavelise imbuyekezo ephezulu kwiiakhawunti zabo zeshishini. Ngenxa yokunyuka kwexabiso lenzala kuyo yonke imigca yetyala. Ngokuphumla emva kweminyaka emibi evuniweyo kwiinyanga ezidlulileyo.
Eli ke licandelo ekufuneka unike ingqwalasela kulo ukusukela ngoku. Kunye phezulu phezulu ngokuqinisekileyo inamandla ukuba le meko izalisekisiwe ngamaxabiso kwindawo ye-euro. Ngapha koko, ngoku bathengisa kwiimarike ngamandla amakhulu. Ngaphezulu kwamanye amacandelo okubaluleka okukhethekileyo kwaye asemva ngokubhekisele kumaqela ezemali abaluleke kakhulu elizweni.
Ngokoluvo lweengcali ze-equity, kukho iqela leebhanki ezikhethiweyo ezithandwa kakhulu kwaye zinokuba yinto oyithengileyo ukusukela ngoku. Ngale ndlela, iibhanki ezithi abahlalutyi bathande i-BBVA, Bankinter kunye neBankia. Zombini ngokweziphumo nakwezisisiseko. Eyesibini kubo yeyona nto babheje ngayo ngokucacileyo kubalamli bezemali. Ukuza kuthi ga kwinqanaba lokuba inokuba ikwangabo abona banokuthatha izigqibo ezingaphambi kwexesha malunga notshintsho kwindlela yokuvela kwexabiso lenzala.
Amanye amacandelo axhamle kakhulu
Enye yokubheja enkulu yokuphela konyaka ukuba le meko izalisekisiwe zizinto ezibizwa ngokuba zii-cyclical values. Phakathi kwazo kugqame kushishino, ubunewunewu kunye neemveliso zokhenketho kunye neenkonzo, phakathi kwabanye. Kule yokugqibela, iinqwelomoya, amaqela ehotele kunye namaziko okubhukisha ayabonakala. Kuzo zonke iimeko, baya kuba nakho ukwenza ngcono kunamanye amacandelo emarike yemasheya. Ngamathuba aphezulu okufumana inzuzo ephezulu ukuba ubakhetha ukuba batyale imali oyigcinileyo ngeli xesha.
Ngamanye amaxesha, bade bathengise ngesaphulelo esithile kwixabiso ekujoliswe kulo abanikwa ngabalamli bezezimali. Ngezinto ezinokubakho ezinokufikelela kwi-25% kwezona zindululo zintle kwimidla yakho njengotyalomali oluncinci noluphakathi. Isenokuba lithuba lokuvula izikhundla kwezinye zezi sitokhwe kwaye uzibandakanye kwipotifoliyo yakho elandelayo yotyalo-mali. Ukonzakala kweenkampani ezidwelisiweyo mancinci amathuba okuba zikhule emva kokunyuka kwenqanaba lenzala.
Athini amanyathelo akho?
Kodwa eyona nto ibalulekileyo kuwe kukuba ungayisebenzisa njani le meko intsha ilahlekileyo ukubonisa uqoqosho lwelizwekazi elidala. Nangona kubo kuya kufuneka uguqule iindlela zakho zokulingana, ngamanye amaxesha ngendlela ebukhali ngakumbi kunesiqhelo. Uya kuba nolwazi ngamanye amaxesha malunga nento ekufuneka uyenzile ngeenjongo ezichazwe ngumlawuli wakhe, u-Mario Daghi, kwiintlanganiso ezilandelayo ze-ECB. Apho kukho amathandabuzo, ezinye iindaba malunga neenjongo zabo zokwenyani zomgaqo-mali zinokuvela. Unokusebenzisa iindlela ezithile ekusebenzeni kwintengiso yesitokhwe. Ezi zezinye zazo,
Yomeleza izikhundla zakho kwi amacandelo axhamle kakhulu konyuka kwereyithi. Iya kuba lelona nyathelo lisebenzayo onokulisebenzisa kwiimarike zemali ukusukela ngoku. Apho, kuyakubaluleka kakhulu ukuba
Bonisa enye isilumkiso ngakumbi ngemisebenzi yakho kwizabelo, kuba ngokubanzi ukunyuka kwenzala kwiimarike kwamkelwa kakubi ngabo. Ngokukodwa kwiintsuku emva kokwenza izigqibo ziibhanki eziphambili.
Kuhlala kukho uthotho lweemveliso zezemali ezithandwa zezi zenzo zemali. Ngokukodwa, kwingxowa mali. Kulapho kuya kufuneka uthulule zonke iintshukumo zakho ukwenza ukonga kwakho kunenzuzo kunye neziqinisekiso ezinkulu.
Isenokuba sisizathu esifanelekileyo soku buyela kwiimveliso zebhanki eziqhelekileyo. Iidipozithi zexesha, amanqaku ezithembiso zebhanki kunye neebhondi zikazwelonke. Kuba ngokwenyani, baya kuyonyusa intsebenzo yabo ngala manyathelo. Nembuyekezo emiselweyo neqinisekisiweyo kulondolozo oluya kukubonelela ngokhuseleko olukhulu.
Kuya kufuneka ukhumbule ukuba kwezi meko inkqubo yokunyuka kwamaxabiso iyenyuka kwaye ke ngoko uya kuphulukana namandla okuthenga Ngenzuzo oyivelisa kutyalo-mali lwakho. Ayizukubakho njengemali eyonelisayo njengangaphambili kuba iyakupheliswa kukonyuka kwamaxabiso kwinto oyithengayo.
Ngayiphi na imeko, ukunyuka kwenqanaba lenzala ayizondaba zimnandi malunga nomdla wakho njengomtyalomali omncinci. Kodwa ngokuchaseneyo, iya kuvelisa ukungazinzi okukhulu kwiimarike zezemali ukusukela kumhla wokusetyenziswa kwayo.
Iya kuba lelona xesha lifanelekileyo kuwe lungisa iphothifoliyo yakho yotyalo-mali. Ngokuphononongwa ngokukuko kweeasethi zemali apho uneendawo ezivulekileyo. Unokuzibuyisela endaweni yazo ezinye zilunge ngakumbi kolu tshintsho lomjikelo kuqoqosho.
Njengamaxesha onke kusenzeka kwizabelo, i mathuba o shishino baya kuvela kwezi meko zintsha zoqoqosho. Kuya kufuneka ubabone kuphela ukuba bavule izikhundla kuzo kwaye ngale ndlela unokufikelela kwiinjongo zakho ngokukuko.
Kwaye njengoko kusenzeka rhoqo kwezi meko, isenokuba lixesha lokuba uthathe iintsuku ezimbalwa ze qhekeza kwii-equities. Ngaphandle kwenjongo enye kukujonga ukuba loluphi uhleko kwiimarike zezemali kwezi ntsuku zimbalwa zizayo. Le ntsebenzo iya kufaneleka.
Okokugqibela, awungekhe ulibale ukuba sijongane ne- utshintsho lomjikelo ngokwexabiso lenzala. Kwaye kuyakufuneka wenze okuninzi ngenqanaba lokubuyiselwa koqoqosho kwamazwe aphambili ehlabathini. Umahluko kwicala elinye okanye kwelinye kwaye oko kuya kugqibela kuchaphazela iingxowa.