Kufuneka wenze ntoni malunga nokulungiswa ngo-2018?

izilungiso Enye yeemeko ekuqwalaselwa kuzo ukwenza umthambo olandelayo yile inokuphuhliswa phantsi kwezilungiso ezinamandla. Oku kuboniswa ngabahlalutyi bezemali be German Bank ngokubonisa ukuba olu khetho lungumcimbi weenyanga ezimbalwa kwaye luya kuvela kulo msebenzi mtsha. Iya kuba yimeko apho unokuhlangana khona kwiiveki ezimbalwa kwaye oko kuyakufuna qhinga ichazwe kakuhle ukuze uphumelele ekuzameni ukunxibelelana neemarike zezabelo. Kuninzi okusemngciphekweni kule ndlela yowama-2018.

Indlu yohlalutyo yaseJamani ichaza ukuba ezo zentengiso zentengiso eUnited States azikhange zibandezeleke ziwa phakathi kwe-3 kunye ne-5% kwiinyanga ezilishumi elinambini ezidlulileyo, xa umndilili kukuba ivelisa esinye sezi ziqendu qho emva kweenyanga ezimbini okanye ezintathu. Inye into ekhokelela kutshintsho kwindlela yentengiso yesitokhwe. Okwangoku, kwiBhanki yeDeutsche bayagxininisa ukuba ukubuyela umva kuya kuvela kwakhona kunyaka olandelayo. Kwimithambo ethembisa ukungaqiniseki kwaphela ngokusekwe kwiingxelo zezinye iiarhente ezichaphazelekayo kwicandelo lezemali.

Akunakulityalwa ukuba izilungiso bezingakhange zibe zezona zixhaphakileyo kwiimarike zezabelo kulo nyaka. Apho eyona stock indices bazokuphela unyaka ngendlela elungileyo. Into uninzi lwabatyali mali abancinci nabaphakathi babengenayo ekuqaleni konyaka. Mhlawumbi into efanayo inokwenzeka kule mithambo ilandelayo? Kukho iiveki nje ezimbalwa ukubona ukuba olu luvo luyinyani na, ngokuchaseneyo, iimarike zisinika isimanga esitsha.

Ukulungiswa: ungazikhusela njani?

ukhuseleko Ujongene nale meko ibonakalayo, enye yeenjongo zakho eziphambili iya kuba kukwakha amanyathelo okhuselo ukunqanda ilahleko kwimisebenzi yakho. Ewe ayizukuba ngumsebenzi olula kwaye nakweyiphi na imeko iya kufuna elinye icebo lokhuselo. Njengomzekelo, ukusetyenziswa kokuhlala kuluncedo yeka ii-odolo zelahleko. Iya kukunika ulawulo olukhulu lokuwa elinokuthi liphuhlise ixabiso lemarike yemasheya. Ukuze ngale ndlela ulahlekelwe, umzekelo, iipesenti ezi-3 endaweni ye-8%. Iziphumo ziya kusebenza ngokufanelekileyo ekukhuseleni umdla wakho njengomtyalomali omncinci nophakathi.

Ewe kunjalo, enye inketho onayo isesandleni sakho yile ibhekisa kwintengiso yenxalenye okanye iyonke xa iimarike zezemali zinika Iimpawu zokuqala zobuthathaka. Iya kuba yeyona ndlela intle yokuphepha ukungena kwilahleko enokudala ingxaki engaphezulu kwesinye kunaniselwano oluzinzileyo lokonga. Ngokusebenzisa imisebenzi engayi kuba nanye indlela ngaphandle kokukhawuleza, ukunyanzela nokusebenza ngokufanelekileyo. Ngokusebenzisa iindlela ezahlukileyo zotyalo-mali kwaye phakathi kwazo ukubekwa kweliso kwenkxaso kunye nokuchasana ngokubhekisele kuhlalutyo lobuchwephesha kubonakala. Ukongeza, inokuba sesona sixhobo silungileyo sokwandisa ukusebenza kwiimarike ze-equity.

Thatha ithuba lokuvula izikhundla

Ukuba kukulungisa kuphela, kunokuba yinyani ithuba lo shishino. Kwaye ukuqala ngamaxabiso afunyenwe kule meko ichaziweyo kwaye ichazwe kakuhle. Ungathandabuzi ukuba esi sicwangciso sinokukunceda ukuphucula izikhundla zakho kwiindlela ezisebenzayo ngakumbi kunangaphambili. Phakathi kwezinye izizathu, kuba uya kuba namaxabiso ekuthengeni ezona zabelo zinokhuphiswano. Ngezaphulelo ze-2%, i-3% okanye ipesenti ephezulu ngokubhekisele kumaxabiso abo. Enye yeempembelelo zayo kukuba amandla okuxabisa anokuba ngaphezulu kunaphantsi kweemeko eziqhelekileyo.

Kwelinye icala, ukuthatha izikhundla kwizabelo emva kokusekwa kwezilungiso kuthetha ezinye izibonelelo ezinokuthi zibe luncedo kwisicwangciso esiliweyo ukususela ngoku ukuya phambili. Umzekelo, ukufumana ipotifoliyo yezokhuseleko ngamathuba amakhulu kunangaphambili. Kungenxa yokuba awukwazi ukulibala ukuba ukwazi ukulinda kwimarike yemasheya phantse kuhlala kunomvuzo. Kwaye le yinto ekungafuneki ukuba uyiyeke ukuba ufuna ngokwenene ukwenza naluphi na uhlobo lokusebenza kwiimarike zezemali.

Inkangeleko yexabiso lokwenene

ukuthenga Ukufumana amathuba okwenyani kwimarike yemasheya kunokwenzeka ngokulungiswa. Ungalibali ukuba ezi ntshukumo zivelisa ifayile ye- ukulungisa umthetho wokubonelela kunye nemfuno. Elona xabiso liqinileyo lilungelelene njengesiphumo sokuthengisa uxinzelelo kubatyali mali abancinci nabaphakathi. Ngamanye amaxesha phantsi kobunzulu obuqhelekileyo okanye obungaphantsi kwesiqhelo. Kodwa kwezinye iimeko, izilungiso ezinamandla kakhulu ziyafikelelwa ezinokuthi zinike indawo yokungena kwiimeko ezifanelekileyo kubo bonke. Yiyo kanye le mizekelo ekufuneka uyisebenzise ukuze wonge imali.

La ngamanqanaba afanelekileyo kakhulu kwimidla yakho. Ngamaxabiso angathethekiyo ayeke iiseshoni ezimbalwa zorhwebo ezidlulileyo. Ngokuchanekileyo kwesi sizathu kulungile linda ixesha lakho elizayo ukungena kwiimarike zezabelo. Kuya kufuneka nakweyiphi na imeko ube negazi elibandayo ukwenza olu hlobo lwemisebenzi ekhethekileyo. Kuba akukho lula ukusebenza kwezi meko. Kodwa ngokuchaseneyo, kufuneka uzikhokele phantsi kothotho lwezikhokelo ezichazwe kakuhle ukufezekisa ezi njongo. Ukuba abayi kuxolelwa kwisenzo esiphawulwe ngokuqaphela ukusebenza.

Ukuthenga okunamandla kunye nokukhetha

Ngayiphi na imeko, xa ezi zilungiso zisenzeka, iya kusebenza ukwenza ukuba unxibelelwano lwakho kunye neemarike zentengiso zibe ndlongondlongo ngakumbi kunesiqhelo. Ngokuthenga okunamandla kakhulu okunokukusebenzela ekufumaneni izihloko. Hayi ilize, uya kuba kwiimeko ezinobundlongondlongo ukufezekisa injongo oyifunayo. Kodwa okoko ukhetha ukhetho lwakho. Kuya kufuneka ukhethe ngcono amaxabiso kwaye ungagxili kuwo. Ukumisela ngokusesikweni esi sicwangciso sotyalo-mali, awuzukukhetha ngaphandle kokuba Ndiyazi kakuhle yonke into eyenzekayo kwiimarike zezemali. Ukujonga ukuvela kothotho lwamaxabiso anokuba ngawona acetyiswayo ukuba usebenze nawo.

Ukuba ukhetha le ndlela yokusebenza kwimarike yemasheya, kufuneka kube kungokusebenza kunye nomzamo ofuna uqeqesho oluninzi. Ngoncedo lweetshathi zokufumanisa nakuphi na ukwahlukana kwamanqanaba afanelekileyo kwixabiso lawo. Awuyi kuyifumana ngeentsuku ezimbalwa, kodwa inokufuna ixesha elide lohlalutyo. Kuxhomekeke kwinqanaba lokuqina kwezi zilungiso kuba ngekhe kuhlala kufana. Kodwa yintoni malunga nokuphela kosuku thenga ngexabiso eliphantsi. Into atyhalelwa kuyo nayiphina umtyali mali omncinci nophakathi, njengoko kunokuba njalo kwimeko yakho.

Iimpawu zoLungiso

ishati Ukuba kukho naluphi na ulungiso olubonakaliswa yinto ethile, kungenxa yokuba ikunika ixabiso lokungena kwiimeko ezingcono. Kodwa kubandakanya imiqondiso ethe chatha ekuphuhliseni esona sicwangciso sakho sotyalo-mali sichanekileyo. Ngale ndlela, mininzi iminikelo enokulungiswa zizilungiso. Phakathi kwazo kukho oku kulandelayo esikuvezayo apha ngezantsi.

  1. Uxinzelelo lokuthengisa amaxabiso ayehla kancinci kancinci. Ukuze ngale ndlela, amanqanaba ahlengahlengiswe, yiyo loo nto ixabiso leenkampani ezidwelisiweyo lenziwa.
  2. Ezi ntshukumo ziziphumo ze ukunyuka okuveliswe kwiintsuku ezidlulileyo. Kuba awungekhe ulibale ukuba ukonyuka kweemarike zesitokhwe akuhlali ngonaphakade kwaye kufuneka kubekho ukucocwa kuxinzelelo lwamaxabiso.
  3. Izilungiso zihlala zifuneka kwaye ihlala ihleli ngokusisigxina kukhuseleko oludweliswe kwiimarike zezabelo. Ukuya kwinqanaba lokuba bakhula minyaka le, nangamaxesha amaninzi kula maxesha.
  4. Umngcipheko onokuthi ulungiso oluqine kakhulu onokuthi uvelise kukuba ekugqibeleni uphela ngo Utshintsho lwendlela. Ke isicwangciso-qhinga kufuneka sohluke kakhulu kwezi ubuzigcina ukuza kuthi ga ngoku.
  5. Ukurhweba kwiziko lezilungiso ngokuqinisekileyo ngumsebenzi onzima kwaye oya kufuna ukuba ukuqhubeka nokufunda ukungena nokuphuma kwiimarike zezemali. Ayingabo bonke abatyali mali abaya kuba nakho ukwenza izicwangciso zabo zotyalo mali.
  6. Umsebenzi oqhelekileyo kwizilungiso usekwe ekushiyekeni isikhundla kwiintsuku nje ezimbalwa buyela engxoweni. Kodwa ngeli xesha liphantsi kohlengahlengiso okanye amaxabiso okhuphiswano.
  7. Kuyo nayiphi na imeko, ukulungiswa kwamaxabiso kubandakanya a utshintsho olukhulu kwizicwangciso Ukwenza. Ngale ndlela, inokukunceda uqhelane neemeko ezintsha ezimakishwa ziimarike zezemali.
  8. Kuya kufuneka uhlale uqinisekile kwindlela yakho yobudlelwane bakho namashishini. Ukuze oku kube njalo, akufuneki ulibale ukuba izilungiso zithetha amathuba amatsha eshishini. Apho unokwenza khona igalelo lakho lemali libe yinzuzo ngakumbi. Ngokusebenzisa iimodeli ezintsha zotyalo-mali.
  9. Kwaye okokugqibela, yimeko ekuya kufuneka uyenzile hlala kunye ukusuka kula mathuba. Ke kuya kufuneka uyazi ukuba le ntshukumo ikhula njani.

Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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