Iza kuyichaphazela njani imali yakho iBrexit?

Impembelelo yebrexit

Ukuba kukho umhla onomnqamlezo kuwo, awukho omnye ngaphandle koJuni 23 ozayo, nini I-referendum iya kubanjwa ukuba iNgilani iyayishiya i-European Union (i-EU), kunye neBrexit eyoyikekayo. Kwaye uya kuba neziphumo ezibanzi, hayi kuphela kwezopolitiko nakwezentlalo, kodwa nakwezoqoqosho. Apho umdla wakho njengomtyali mali ophakathi nophakathi uyakuchaphazeleka ngokulinganayo. Ukusuka kwisigqibo esenziwe ngabemi base-Bhritane, kunokukwenza ukuba uzuze okanye ulahlekelwe yimali eninzi kwiimarike zezemali, kokubini kwizabelo ezilinganayo nakwingeniso esisigxina.

Ukuphuma okunokwenzeka kwe-United Kingdom kwi-European Union kuya kwenzeka kwinkqubo eyaziwa njengeendaba ngu-Brexit. Ukubaluleka kwayo kuya kubaluleke kakhulu kubo bonke abantu baseYurophu, kwaye apho uninzi lwezinto ezinomdla zisebenza kwindawo yezoqoqosho, ekufuneka uzithathele ingqalelo kwezi veki zizayo ukuphuhlisa ipotifoliyo yakho yotyalo-mali. Akunanto, Kuya kucetyiswa kakhulu ukuba sele uyithathele ingqalelo le nto xa usenza.

Ukusuka kwisiphumo sokuba umbuzo wale referendum ekugqibeleni ube: Ngaba ucinga ukuba i-UK kufuneka iqhubeke nokuba lilungu le-European Union?, Iimarike zezemali ziya kuhamba ngenye indlela okanye enye. Kwaye ngaphandle kwamathandabuzo ukuba uya kubandakanyeka kwindaleko, nokuba sisiphi na isiphumo. Ngayiphi na imeko, iipolls zamva nje ezipapashwe yimithombo yeendaba yesiqithi zinika abaxhasi bemanyano yaseYurophu ithuba elincinci. Kwaye njengesiqhelo, yamkelwa kakhulu ziimarike zezabelo zaseYurophu, ezoyika iBrexit.

Ngaba isigqibo siya kukuchaphazela?

Kuya kukuchaphazela njani ukushiya iNgilane?

Ukuhamba kwe-United Kingdom kwi-European Union (i-Brexit) kuya kuba neendleko ezibaluleke kakhulu kubemi bayo, ngokwengxelo elungiselelwe nguMbutho weNtsebenziswano kwezoQoqosho noPhuhliso (i-OECD), ebonisa ukuba iBritane nganye ishiya le ndawo yoqoqosho. Kuthetha malunga neepawundi ezingama-2.200 2.800 (i-XNUMX euro). Kodwa kuthekani ngabanye abemi belizwekazi elidala?

Uninzi lwabatyali zimali zentengiso bacinga ukuba Iziphumo zolu thethwano ngonyulo Iipokotho zakho aziyi kuyibona loo nto, kwaye ukuba kunjalo, ngendlela elawulwayo kunye neziphumo ezinqongopheleyo. Ubuncinci kwixesha elifutshane aluyi kuba lolu hlobo, kwaye Iimarike zamasheya zinokukhula ziintshukumo eziguquguqukayo, ezichaphazela nokuba inzuzo yezikhundla ezivulekileyo kwimarike yemasheya. Ngaphezulu kwezinto ezininzi ezintle, njengoko ubona kweli nqaku.

Isizathu ikakhulu kungenxa yonxibelelwano olomeleleyo phakathi koqoqosho lwelizwekazi elidala. Ukuxhomekeka kuqoqosho kuthetha ukuba esi sigqibo sineziphumo, ubuncinci phakathi kwabatyali mali, kuxhomekeke kwisiphumo sesigwebo esidumileyo esizakwenzeka kwiiveki ezizayo. Kwaye kuya kuba lula ukuba uyazi iziphumo zayo.

I-GB yeBrexit

Ukuba esi ibisisigqibo sesiNgesi kwi-referendum elandelayo, iziphumo ziya kuba ngaphezulu kokumangalisayo emva kwehlobo. Ukuqikelela, apho iya kuthi ibonakale kakhulu iya kuba kwiimarike ze-equity zaseYurophu, eziya kuba nokuwa okubalulekileyo kuzo zonke izikhokelo. Kwaye nge amathuba amaninzi okubuyela kumgangatho ophantsi ezidlalwe ekuqaleni kwalo nyaka.

Ujongene nale meko, bekungayi kubakho khetho ngaphandle kokulahla utyalo-mali kwimarike yemasheya, nokuba ukhubazekile njengecebo lokukhusela ulondolozo lwakho. Ubuncinci iinyanga ezimbalwa, apho iintshukumo ezinamandla zinokuthi zenziwe khona, ezingayi kunceda nzuzo yakho njengomtyali mali omncinci. Ewe kunjalo, ngaphandle kokuthatha isikhundla kwiimarike zesitokhwe, ubuncinci de iimarike zezemali zihlale.

Kulapho kuvela umbuzo malunga nento ekufuneka uyenzile kule meko intsha inokuvela. Ewe, uya kuba nezinye iindlela zokwenza ukonga kunenzuzo, nangona zivela kwiindlela ezahlukeneyo, ezinokuba nomdla kakhulu ukuba ulindele iminyhadala.

Isicwangciso sakho sotyalo-mali ngaphambi kokuba iBrexit isekwe khetha amaxabiso abawasebenzisayo njengendawo yokusabela. Kwaye kuqala ubuya kuba nengeniso emiselweyo yaseJamani naseMelika ngenxa yeebond zabo. Uya kuba nakho ukufikelela kwinzuzo ephezulu kwezi mveliso zezezimali, kuba ngokuqinisekileyo ukuhamba kwemali kwabatyali mali abakhulu kubhekiswa kwezi asethi zemali ngendlela enamandla. Ayothusi into yokuba iya kuba yeyona nto iphambili ukukhusela iimfuno zakho.

Awunakulibala nokuba lixabiso lokusabela ngokugqwesa. Ayikho enye ngaphandle kwegolide, kwaye inokwenza utyalo-mali olugqwesileyo kwimeko efana naleyo icetywayo yireferendamu yesiNgesi. Ngaphandle kwayo yonke into, ukuvela kwesinyithi segolide kuyanelisa ngokupheleleyo kubatyali mali kulo nyaka, kuvavanya kwakhona malunga neepesenti ezingama-30, kunikwa ukungazinzi okuthe ngqo kweemarike kunye noqoqosho lwamanye amazwe.

Kwinyathelo lesithathu, unokujonga kwakhona izinto ezithile ezibonakalayo ezifumana amanqanaba kumaxabiso abo. Kwaye phakathi kwabo, ioyile esendleleni eya kumqobo obalulekileyo weedola ezingama-50 umphanda. Akumangalisi ukuba, ngexesha leeseshoni zokugqibela kuboniswe ukuhlaziywa okungaphezulu kwe-20%. Kwaye ababikho bahlalutyi bezemali bancomela ukuthatha izikhundla kule asethi yezemali. Kuba ukuvela kwexabiso layo kuyakuba sisiphumo sokudibana okuthandwayo eGreat Britain.

Zonke ezi ngcebiso zotyalo-mali inokusetyenziswa kwiingxowa-mali zotyalo-mali ezigcina ukubheja abatyali mali. Ngendlela efanelekileyo yokukhusela ulondolozo, kuba unokuyidibanisa nezinye iiasethi zemali ngolwahlulo olukhulu lotyalo-mali. Iya kuba sisicwangciso ekufuneka usisebenzisile kule meko enokuphuhliswa ukusukela ngoku.

Yonke into iyafana eNgilane

iimeko ezi-brexit

Enye into enokwenzeka kukuba iziphumo zebhokisi yokuvota ziyaphuma ukuba abemi banqwenela ukugcina ubudlelwane beziqithi kunye ne-European Union. Iziphumo azizukubaluleka kangako, kwaye zisenokungachaphazeli kakhulu iimarike zezemali, kuba bezizakuphungula ngexabiso langoku leenkampani.

Ukuba esi sisigqibo esidumileyo, kuyabonakala ukuba iyakubuliswa ngokuqinisekileyo ziimarike zezabeloNokuba uphononongo olukhulu kumaxabiso enkampani lunokufezekiswa. Nangona kunjalo, iya kuba nefuthe elincinci, eligubungela iiseshoni ezimbalwa zokurhweba, kodwa hayi iinyanga. Kwaye apho icandelo lebhanki liyakuba lelona lixhamlayo kolu nyuso ngokubanzi.

Unga bathathe izikhundla kwimarike yemasheya ukuze basebenzise ezi ntshukumo, nkqu nemisebenzi enoburharha yokwandisa iindaba. Ayikuko ukuba ukwazile ukuba ngusozigidi ngobusuku bonke, kodwa ngokuqinisekileyo baya kuba namathuba aphezulu okuhlawulela iholide yakho elandelayo yehlobo, okanye ubuncinci bayo. Zombini ezivela kwiimarike zesitokhwe zikazwelonke, nakwezinye iYurophu Nangona ingayisiNgesi esiza kuphakama kakhulu kule meko.

Kwakhona Ingeniso esisigxina yesiNgesi iya kuba nakho ukwenza ukuba ezi ntshukumo zinenzuzo, kwaye ube yenye yezinto onokukhetha kuzo ukuze wonge ukonga ngempumelelo enkulu. Nangona iimveliso ezishiyekileyo ezivela kumatyala oluntu aseYurophu ngekhe zishiyeke ngasemva kwindaleko yazo kwiimarike zemali. Ngayiphi na imeko, le referendum inokuba sisizathu esifanelekileyo sokuba uhlaziye ipotifoliyo yakho yotyalo-mali, kwaye uyiguqule ngokuxhomekeke kwimeko entsha enokuvela.

Ngayiphi na imeko, iindaba ezimnandi azilindelwanga ukuba i-Great Britain iyaqhubeka ngaphakathi kwi-EU, ngokubhekisele kwimpahla apho unokubeka khona imali. Ukuba kukho nantoni na, ngendlela ethe ngqo kwaye ngaphandle kwamathuba amakhulu okuqhubeka, ngaphaya kweBrexit. Kukho ezinye iingxaki, ngokungathandabuzekiyo ezichaphazela iimarike kwaye zisekhona, kwaye phakathi kwazo kukho ukwehla kwezoqoqosho kwilizwekazi elidala.

Iingcebiso ezi-7 zokuthatha inyathelo

Ingcebiso ngotyalo-mali

Esona sicwangciso silungileyo onokuthi usiphuhlise ebusweni beBrexit kukwenza ngononophelo kwiintshukumo zakho, kwaye kuya kufuneka ugcine ukonga ngaphezulu kwezinye izinto eziqwalaselwayo. La asingomaxesha okufumana inzuzo enkulu, kodwa kukugcina okufezekisiweyo ukuza kuthi ga ngoku. Ungayinyusa ukusuka kuthotho lweengcebiso ezinokuba luncedo kakhulu ngeli xesha.

  1. Ungazami ukwenza imisebenzi enoburharha kule mihla kwiimarike. Kuya kuba ngcono ukuba imibuzo ephakanyiswe ngolu dliwanondlebe ithandwayo icacisiwe. Kwaye kuya kubakho amaxesha kamva okuba ukhethe ii-equities, okanye ezinye ii-asethi eziyimali.
  2. Iya kuba lelona xesha lilungileyo lokudlala uhlengahlengiso kwipotifoliyo yakho yotyalo mali, nokuba kukwizikhundla zakho kwimarike yemasheya, okanye ngokudityaniswa kwemali yotyalo mali. Ngokuqinisekileyo kuya kufuneka wenze utshintsho olungaphezulu kolulodwa ukuze uzilungelelanise nobunyani beziganeko.
  3. Ukuba kukho iimeko apho kuya kufuneka ukukhetha ukuthenga ukuzikhusela, ngaphandle kwamathandabuzo, le yangoku yenye yazo. Akumangalisi ukuba uya kuba nakho ukufumana ngaphezulu kwemveliso enye ehlangabezana ngokugqibeleleyo nezi mpawu, kwaye oko kuya kukunceda ukuba ubutyebi bube nenzuzo ngakumbi.
  4. Ujongene nendlela yeholide elandelayo, inokuba lixesha lokuba uthathe ikhefu kutyalo-mali lwakho, kwaye ulinde ukuba imeko icace njengoko iiveki ziqhubeka. Ngokuqinisekileyo uza kubuya unamandla ngakumbi okuphuhlisa utyalo-mali lwakho.
  5. Ucinga ukuba nangaliphi na ixesha ukonga kunokwenziwa kube yinzuzo, kwaye Amathuba oshishino ahlala ekhona, nkqu nakwezona meko zingathandekiyo. Kuya kufuneka ufumane oko ukufunayo kuphela.
  6. Unako lindela iziphumo zereferendamu ukuzama ukwenza intshukumo ibe yinzuzo ngakumbi, kwaye usebenzise loo aphorism yakudala esebenza zombini kwimarike yemasheya "thenga ngehemuhemu kwaye uthengise ngeendaba."
  7. Sukuzama ukufumana kutyalo-mali lwakho ngento ongakhange uyenze ebudeni bonyaka, kuba ayiloxesha lifanelekileyo lokuphumeza esi sicwangciso. Uya kuba namathuba amakhulu kamva, ngaphandle kothandabuza.

Izimvo ezi-2, shiya ezakho

Shiya uluvo lwakho

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  1.   Tino sitsho

    Kungenxa yoko le nto imarike yestokhwe isiwa?

    1.    UJoseph kwakhona sitsho

      Inxalenye ewe, kodwa kukho ezinye izinto. Enkosi