Iingxowa ezilindelekileyo zonyulo eJamani

Unyulo jikelele luya kubanjelwa eJamani kweyoMsintsi ezayo. Kuzo zonke iimarike zokulingana kwihlabathi liphela kwaye ngakumbi ezo zelizwekazi elidala ziya kulinda. Kuba ngokusekwe kwiziphumo zakho baya kuba nakho ukuthatha imarike yemasheya enye okanye enye imeko. Ukuququzelela isigqibo ekufuneka usenzile ukukhusela ukonga kwakho ngokukhuselekileyo nangokufanelekileyo. Kukho iinyanga ezimbalwa kude kubekhona unyulo, kodwa ngaphandle kwamathandabuzo ukuba iimarike zezemali ziya kuqaphela uloyiko malunga noko kunokwenzeka kwilokishi yelizwekazi laseYurophu.

Ngenxa yesi siganeko sibalulekileyo sepolitiki, ayizothusa into yokuba iimarike zesitokhwe zaseYurophu ziguquke ngononophelo olukhulu. Ngaphandle kokuhla nokuhla okugqithileyo kwixabiso locaphulo lwamaxabiso ezona khuseleko ziphambili zale ngeniso yahlukileyo. Ukusuka kule meko akunakuba ngumbono ombi ukulinda ezinye iinyanga ezimbalwa de ube uyiqwalasele Icebo lokutyala ifaneleke ngakumbi ukuze ukwazi ukonga imali kwiinyanga zokugqibela zonyaka nakwiminyaka embalwa ezayo.

Kuyo nayiphi na imeko, kusenokwenzeka ukuba ukuba akukho zimanga ekwakhiweni kwepalamente entsha yaseJamani, yonke into iza kuqhubeka njengakuqala. Okanye nokuba a uptrend omtsha Yanga ingasebenza ukubhiyozela ukuba akuyi kubakho lutshintsho kumgaqo-nkqubo wezoqoqosho kweli lizwe libaluleke kangaka. Kodwa okwangoku, ukungazinzi kunokubekwa ngexesha elifanelekileyo kwiimarike zezemali. Kude kube ukungaqiniseki okuvelisiweyo kucaciswe ngokuqinisekileyo. Akumangalisi ukuba kuninzi okusemngciphekweni eJamani, kodwa ngakumbi kummandla we-euro.

IJamani: Ukuqhubeka kukaMerkel

Ewe iindaba ezilungileyo kwiimarike zamasheya zelizwekazi elidala ziya kuba zezi ukuqhubeka kwamandla yeKhansela yeTeutonic. Ingayinto eyonyusa isibakala sokuba banokuphuhlisa ukonyuka okutsha ngenxa yemigaqo-nkqubo yabo yezoqoqosho. Isiqalo esihle sokuba uvule izikhundla kwii-equities kunye neziqinisekiso zempumelelo. Ngokukodwa, amathuba okuba ulahlekelwe yimali kutyalo-mali aya kuncipha kakhulu. Uya kuthi ke ube nomda omkhulu wokwenza imisebenzi ngeli xesha.

Ukudibana nelinye lamaxesha amahle okutyala imali kwimarike yemasheya. Njengokuba kunjalo ngokuhambelana nekota yokugqibela yonyaka. Hayi kuphela kwiiasethi zemali zaseYurophu, kodwa nakwiSpanish. Apho ifayile ye- mathuba o shishino. Ewe kungaphezulu kakhulu kunangoku. Nangona kunjalo, kuya kufuneka ulinde de ubuye eholideyini ukuze unyanzelise izigqibo zakho kubudlelwane bakho nehlabathi lemali.

Kuthekani ukuba ekugqibeleni ulahlekelwe lunyulo?

Kodwa ukuba, kwelinye icala, kukho isimanga kunyulo lwaseJamani kwaye uMongameli u-Angela Merkel uphulukana nalo msitho wonyulo, kuya kubakho ixesha lokungaqiniseki okukhulu kuzo zonke iimarike zesitokhwe. Kuba ngokwenene, amathandabuzo malunga Iprojekthi ye-European Union inokuhla kungekudala. Okanye ubuncinci ukuvelisa uthotho lwamathandabuzo anefuthe kwisigqibo sabatyali mali abancinci nabaphakathi. Ngerhafu yentengiso ebonakalayo ekuthengeni. Ngokwehla okubalulekileyo kwixabiso leenkampani ezidwelisiweyo.

Nangona kunjalo, enye imeko inokwenzeka kolunyulo lubaluleke kakhulu kwilizwekazi laseYurophu. Ayikho enye ngaphandle kwe- urhulumente wobumbano yamacala amabini aphambili ezopolitiko. Kule meko, iya kuba sisisombululo esiya kuthi samkelwe kakuhle ziimarike zezemali. Apho ukunyuka kuzo zonke ii-indices zesitokhwe kunokuvela ngamandla amakhulu. Ukuvuya kwabasindisi abathi ngeli xesha banezikhundla ezivulekileyo kwiimarike ze-equity.

Ngayiphi na imeko, yonke into engahambi kwezi ndlela zokwenza inxenye yoburhulumente kweli lizwe libalulekileyo lase-Yurophu iya kuba sisiqinisekiso esicacileyo sokuphuhlisa imeko eqhubekayo yokuhla. Apho unokulahla khona ii-euro ezininzi apha endleleni. Ngaphezulu kunokuba unokucinga kwasekuqaleni. Kungenxa yesi sizathu le nto kufuneka unike ingqwalaselo kuphuhliso lolu lonyulo. Ayilolize, ikamva lolondolozo lwakho liya kuxhomekeka kubo. Ngokukodwa kwimisebenzi eveliswe kwixesha elifutshane. Apho kuya kubakho ukufakela ukungazinzi kwimeko apho onke amaxabiso ezinto ezithengiswayo aseYurophu.

Zithini izicwangciso zokusebenzisa?

Nangona kunjalo, ungathatha eli thuba lezopolitiko ukuxhasa utyalo-mali lwakho. Okanye ngokuchaseneyo, ukubakhusela ngokufanelekileyo ngakumbi kunye nokukhusela umdla wakho njengomtyali mali wevenkile. Ngokuqinisekileyo kufanelekile ukuba uyisebenzise ngokukhawuleza ukuze ukwazi ukwenza yonke imisebenzi oza kuyenza ukusukela ngoku. Ngokusisiseko ezi iya kuba zezinye zezona zibalulekileyo.

• Kuyinto enqwenelekayo ukuba ungene ukuhlawulwa ngokupheleleyo phambi kokuba kubanjwe olu nyulo lowiso-mthetho. Ukukukhusela kwiimo zentengiso ye-equity kwezi nyanga. Phakathi kwezinye iinjongo zokusebenzisa amathuba oshishino azakuvela kwiiveki ezizayo.
• Ukuba ucinga ngokungena kwimarike yestokhwe ngoku, ungcono linda iinyanga ezimbalwa ukwenza isigqibo esibalulekileyo. Ayizukubandakanya umzamo omkhulu kwaye endaweni yoko umvuzo onokuwufumana kule misebenzi uya kufaneleka ngakumbi. Hayi lilize, iya kuba yintshukumo eluncedo kakhulu ukukhusela iimfuno zakho.
• Unokwenza ukuthengwa kube kanye ukuqikelela ezona meko zithandekayo kwizabelo zamashishini. Ukuze ngale ndlela ukwimeko ezifanelekileyo zokunyusa iintshukumo ozivulayo kwezi ntsuku. Nokuba indleko zokuthatha umngcipheko ngakumbi kunokuba ziyimfuneko kwezi meko.
• Awunokubheja kuphela kwizitokhwe ezikhulayo, kodwa kwicala elichaseneyo, Oko kukuthi, ukusika kwiimarike zemali. Enye yeemodeli ezibonisa kakuhle le meko zezi Utyalomali mali. Kuninzi onokukufumana, kodwa kunye nokulahleka.
• Ukuba ulindele le meko yezopolitiko, imbuyekezo onokuyifumana ukusukela ngoku ibanzi. Lo ngumsebenzi onokusetyenziswa ngu Iiprofayili zabatyali zimali ezinoburhalarhume. Okanye kwimisebenzi enendlela ecacileyo yokuqikelela ukuthatha ithuba lokucaphula amaxabiso athile okhuseleko oluluhlu.
• Enye indlela ekhoyo iyafumaneka kwipotifoliyo yotyalo-mali esekwe kwi amaxabiso okusabela. Ayothusi into yokuba iyakukunceda uzikhusele kwezona meko zimbi ezinokuthi zivele emva konyulo jikelele ngoSeptemba. Iya kuba yenye indlela eyongezelelekileyo yokukhusela izikhundla zakho kwindlela yokuzikhusela ngakumbi.

Olunye ukhetho lotyalo-mali

Awunyanzelekanga ukuba ugxile kwimarike yemasheya ukuze wenze imali yakho ibe nenzuzo kule meko yezopolitiko. Unayo ezinye iimveliso zemali Unokuba yinzuzo efanayo kwezi meko zikhethekileyo. Ukuze uphucule imida yakho yenzuzo, kulunge kakhulu ukuba unike ingqalelo ezinye zeziphakamiso esikuvezayo zona. Uyakwazi ukuyikhetha ngokuxhomekeke kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi: onolaka, ophakathi okanye ophakathi.

Los mali mali Yeyona modeli yokonga ilula ukwamkela ezi ndlela. Kuba, enyanisweni, banokudibanisa iiasethi zemali kwi-equities kunye nengeniso esisigxina. Ngaphandle kokushiya imveliso enye kwaye uyidibanise nezinye iiasethi eziyimali ngokucacileyo. Banokuhlengahlengiswa kuzo zombini iimeko ezilungileyo nezingathandekiyo kwizabelo zamashishini. Kwaye oko kunokutshintshwa kwinto eyenzekayo kunyulo lwaseJamani. Yenye yeenzuzo ezinokukuzisela yona ukonyusa ingxelo yakho yomvuzo.

Ukuba nangayiphi na indlela, woyika ukuvula izikhundla kwimarike yemasheya, uhlala unamaxesha owafumanayo. Ngaphandle kokuthatha naluphi na uhlobo lomngcipheko kunye nokufumana inzala emiselweyo kunye neqinisekileyo ngonyaka. Nangona uphantsi kwemida engathandekiyo kwimidla yakho. Isiphakamiso esinye kule meko kukubhalisela idiphozithi yexesha elifutshane, phakathi kweenyanga ezintathu ukuya kwezintandathu. Apho ungenza khona elona xesha linzima ukwenza isigqibo esifanelekileyo.

Iimveliso ezinobundlobongela emngciphekweni

Ukuba eyakho incasa umngcipheko, akukho nto ingcono kuneemveliso ezinoburharha sisona siphakamiso silungileyo. Enye yazo kukuthengisa ngetyala ukuba ucinga ukuba ukuwa kwiimarike zezabelo zezona meko zinokwenzeka. Ngokukodwa, kwiintsuku zeentsuku kunyulo ngenxa yokunyuka kokungazinzi kwiimarike zesitokhwe zaseYurophu. Nangeyiphi ndlela, umngcipheko uya kuba phezulu kakhulu kunezinye iimveliso eziqhelekileyo. Nangona iphantsi kwemali ethembekileyo.

Kwaye awunakulibala malunga neemvume zoku nyusa imbuyekezo kulondolozo lwakho. Kodwa kule meko uzakufuna ulwazi oluthe kratya ukuze usebenze nabo. Ayisiyomveliso elungiselelwe zonke iintlobo zabatyali mali. Ngenxa yokuba usengozini yokuba ungashiya i-euro eninzi kwimisebenzi oyivule ngelo xesha. Nangona unethamsanqa elincinci, unokuphinda phinda inzuzo yenzuzo yentengiso.

Okokugqibela, i Iimali ezidwelisiweyo, eyaziwa ngokuba yi-ETF, eyingxube phakathi kweemali kunye kunye nokuthengwa nokuthengiswa kwezabelo kwi-stock market. Kodwa ngokhuseleko olukhulu ngaphezulu kwezikhundla zabo. Kungenxa yokuba abajolisanga kwisindululo esinye sotyalo-mali. Kodwa ngokuchaseneyo, kwingobozi yeeasethi zemali, njengoko kwelinye icala kwenzeka kwiingxowa-mali zotyalo-mali. Nokuba yeyiphi na indlela, unyulo lwaseJamani luya kukunyanzela ukuba wenze isigqibo sokwenza imali yakho ibeyinzuzo.