Bonke abatyali mali bayazi ukuba imali ihlala yoyika kwaye uninzi lweemeko ezinokungaqiniseki okhethekileyo. Njengoko kusenzeka okwangoku ngeSpain ngenxa yemeko yaseCatalonia. Enye yeziphumo zale nkqubo yezentlalo nezopolitiko kukuba kukuhamba kwemali kwilizwe liphela bafudukela kwezinye iindawo. Ukongeza, ii-equity eSpain zibonisa ukungazinzi okukhulu kunezinye iimarike zentengiso ezingaphandle kwemida yethu. Ngokuwa kwisalathiso esiphambili sikazwelonke, i-Ibex 35, ngaphezulu kwamanqanaba e-2% kwezinye iiseshoni zeveki ephelileyo.
Ezi ziphumo zikwabeka abatyali zimali abancinci nabaphakathi Ukuhlengahlengisa izikhundla zabo kwimarike yemasheya ngoloyiko lokuba imeko enokwenzeka kakhulu inokwenzeka. Kwelinye icala, elinye icandelo elilungileyo labasindisi- abo bakwimeko yolwelo- abakulungelanga ukuphinda bahlangane kwiimarike zemali. Ngaphambi kokuwa kwamaxabiso ngaphezulu komndilili kwaye okwangoku kubonisa amaxabiso abonisa ngakumbi. Ayothusi into yokuba amathandabuzo abahlaselayo omelele kuneminqweno engena engxoweni kwakhona kwaye Thatha isithuba kwiinyanga zokugqibela zonyaka. Ixesha elihlala lihle kakhulu kwimidla yabo bonke abatyali mali.
Iimarike zezemali, ewe, aziboneleli akukho phawu lokungena, kodwa endaweni yokuchasene. Nangona esi sizathu sinye sinokuba sisikhuthazo kubatyali mali abakhohlakeleyo ekukhangeleni kwabo amathuba amatsha eshishini. Into eza kuvela ngokungathandabuzekiyo kwezi ntsuku zinzima. Ayisiyiyo kuphela kwintengiso yesitokhwe, kodwa nakwezinye iimarike ezizezinye. Njengokuba umzekelo, ezo zezinto eziluhlaza, izinyithi ezixabisekileyo okanye iimali ngokwazo. Ukuza kuthi ga kwinqanaba lokuba uloyiko lubambe umnqweno wabo wokubuyela kwiimarike zezemali. Nangona isitshixo siza kulala ngokwazi de kube ngawuphi umzuzu.
Imali ubaleka imali
Ngayiphi na imeko, iindaba zokuqala ezingqina le meko ixhalabisayo kukuba kukho ukuphuma kwesibini ngobukhulu kwemali yezemali kwimbali yonke. Oku kubonakala ngokwedatha ebonelelwe ngabacebisi baseMelika i-EPFR, ehlalutya ukuhamba kwemali veki nganye. Ngale ndlela, ukwazile ukuyibamba le nto inqwelo moya enkulu iye kwezinye iindawo, ezinye zazo ziyavela. Into ebalaselisa ubuzaza bamaxesha iSpain ebigqithe kuwo iiveki ezimbalwa. Ngaphandle kokufuduswa kweenkampani zaseCatalan ziye kwezinye iindawo zeJografi yaseSpain. Phakathi kwezinye iindawo zeMadrid, iValencia okanye iZiqithi zeBalearic.
Enye yezona datha zichaphazelekayo kukuba kufunyenwe ukuba los Iimali ze-equity global zifumene i-11.500 yezigidigidi zeedola kwiveki. Oku xa usenza ucinga amanqanaba angabonwanga kwiiveki ezingama-20 ezidlulileyo. Kwaye loo nto yalatha kwinto entsha yale ntshukumo ibalulekileyo kwihlabathi elihlala linzima lemali. Ayothusi into yokuba yidatha yobungangamsha obukhulu kunye nokungaqhelekanga. Kwaye oko kuyachaphazeleka nakubatyalomali besizwe ngokwabo. Apho indawo elungileyo kubo ihlengahlengisa iiphothifoliyo zabo zotyalo-mali. Ngobunzima obuthile obuthile beentengiso zikazwelonke.
Ukuhamba kwiimali zehlabathi
Ewe kunjalo, kuyamangalisa ukuba iingcali ze-EPFR zigqamisa ukuba “iimali ezityala imali kwii-equity zehlabathi zinamava ingeniso enkulu yemali ukusukela phakathi ku-Meyi ”. Ibiyintshukumo emangalisa kakhulu kubo bonke okoko iveliswe ixesha elincinci. Ngokukodwa ukusukela ngo-Septemba ophelileyo nasemva kokuwohloka kweziganeko ezenzeka eCatalonia. Ngoku iya kuhlala isaziwa ukuba ngaba ezi zinto ziza kuyeka okanye, ngokuchaseneyo, ziya kuba nzima ngakumbi kwiiveki ezimbalwa ezizayo okanye kwiinyanga. Into eqondwa kakhulu ngabaphathi bamanye amazwe. Ayothusi into yokuba kuninzi okudlalwayo ngale ntshukumo.
Iimali ezityala imali kwi amazwe asakhulayo Bangabanye babaxhamli abakhulu bale njongo kwiintsuku zamva nje. Ukuya kwinqanaba lokuba yenye yeendawo ezikhethwayo kubatyali mali. Le datha ifanelekileyo isekwe kwinto yokuba bafikelele kwelona zinga liphezulu kolu hlobo lwengxowa-mali ukusukela kwikota yesithathu yonyaka ka-2014. Akumangalisi ke ngoko ukuba imbuyekezo ephezulu ingafunyanwa kwiinyanga ezizayo. Nokuba unamathuba angcono kakhulu kunoko unokukubona kwiimarike zesizwe. Ngale ndlela, ukuhamba kwemali kuye kwaya nakwiimarike ezincinci kwindalo esingqongileyo. Umzekelo, iFinland ne-Austria, phakathi kwezinye zezona zinto zibalulekileyo ngalo mzuzu kanye.
Imicimbi yentengiso yaseSpain yentengiso
Enye yeendlela eziqhelekileyo zembali yotyalo-mali kukuba imarike yesitokhwe kuzwelonke ine - Ukuziphatha kubi kakhulu kunaseYurophu. Ukuza kuthi ga kwinqanaba lokuba yenye yezona indexes zimbi kwindaleko yazo kwezi ntsuku zinzima zizele luloyiko nokungaqiniseki. Ngokuwa kwezinye zeentsuku ezingaphezulu kwe-2%, ngelixa kwi-indices yelizwekazi elidala ilahleko yesiqingatha sepesenti kuphela. Olona phawu lukhulu lokuba kukho into eyenzekayo ngokwenene kwiimarike zezabelo kweli lethu.
Ngale ndlela, into enokwenzeka kwiiveki ezimbalwa ezizayo iya kubaluleke kakhulu. Ukuchonga ukuba ngaba sisiganeko sethutyana okanye ukuba okwahlukileyo kuya kuba nezinye iziphumo ezibi kulondolozo lwabatyali mali abancinci nabaphakathi. Iya kuba ngumcimbi wexesha ukwazi ukuba yintoni ubungqingqwa bokwenyani boku kwehla. Ke ngale ndlela, unokulungiselela ukuvula izikhundla kwimarike yaseSpain ukuba oku kutyhilwe kuhlalutyo lwakho lobuchwephesha. Kungenxa yokuba isaphulelo sengeniso yesizwe eguquguqukayo ngokubhekisele kwamanye amazwe kwilizwekazi elidala iya kuba ngaphezulu kokufanelekileyo.
Ukunciphisa ukukhula koqoqosho
Enye into apho imicimbi yaseCatalonia iqala ukuqatshelwa kukukhula koqoqosho. Kungenxa yokuba sele kukho uhlaziyo olusezantsi kwifayile ye- Imveliso yasekhaya encangathi (GDP). Urhulumente sele eyithathela ingqalelo into yokuba uza kulahla izishumi ezimbalwa kule parameter ukufumanisa ukwanda kwezoqoqosho. Olunye lweempawu zokuba iCatalonia ingaluchaphazela njani uqoqosho lwaseSpain ngakumbi ngakumbi ukukhula kwalo. Apho inokuchaphazela ubhaliso lwentswela-ngqesho ephezulu phakathi kwabantu baseSpain. Ngenxa yohlaziyo oluhlaziyiweyo lwe-GDP ngoku eqikelelwa ngaphezulu kwe-2,50% nge-3% eqikelelweyo kude kube ngoku.
Kodwa olu hlengahlengiso aluveli kuphela kwisigqeba sikazwelonke. Kodwa komzimba ofanelekileyo njengoko kunjalo Fund International Fund (IMF). Ibhekisa kwinto yokuba ezi ziganeko zinokuchaphazela uqoqosho, zombini iSpanish kunye noLuntu. Bachaza ukuba kufuneka kubekho isisombululo esikhawulezayo ukunqanda naluphi na uhlobo lweziganeko kwiimarike zemali. Njengoko ubona, uloyiko lusasazeke kwimida yethu. Ukuza kuthi ga kwinqanaba lokuba zibonisiwe kwiiasethi ezahlukeneyo zemali ezidweliswe kwiimarike. Yinto ekufuneka icwangcisiwe ukuqinisekisa ukonga ukusukela ngoku.
Akukho mpembelelo kwiimveliso
Ngokuchasene noko, ezi modeli zokonga azichatshazelwa zezi ziganeko ziseCatalonia. Ubuncinci, okwangoku kwaye okoko nje kungekho ziphumo zingaphaya kobuchwephesha kolu didi lwe iimveliso zemali. Ngembuyekezo efanayo ukuza kuthi ga ngoku. Apho ngedipozithi yexesha okanye iiakhawunti ezinengeniso ephezulu baya kwi-1%. Ewe, ngale ndlela uza kuqhubeka ufumana izixa ezifanayo kude kube namhlanje. Ayizizo iimpembelelo zalo naluphi na uhlobo okanye uhlobo. Nokuba zeziphi iziko lezemali apho ubeke khona igalelo lakho lezemali.
Ngokuchasene noko kwenzekayo kwiimarike ze-equity. Apho apha ewe, unokuvezwa emngciphekweni omkhulu kunokuba uyimfuneko. Zombini malunga nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya nakwiingxowa mali zotyalo-mali ngokwazo. Ukuya kwinqanaba lokuba uya kuba nakho ukushiya uninzi ngasemva ukuba iziganeko zaseCatalonia azikhuli ngendlela elungileyo. Ngesi sizathu kucetyiswa kakhulu ukuba unemali yonke. Ukuze ngale ndlela, bakwimeko ezintle zokugcina ukonga. Kwaye ungawasebenzisa amathuba oshishino avelayo ngamaxesha onke.
Ngayiphi na imeko, ziinyanga ezinzima ngakumbi kunesiqhelo. Uya kudinga igazi elibandayo kunye nezinye iindlela zokuqhuba izigqibo zakho ngokuchanekileyo. Akumangalisi ukuba uya kuba namathuba amaninzi okwenza eyona misebenzi mihle. Apho unokuyiphucula khona kakhulu ibhalansi yakho yokujonga. Elona cebiso lililo ayikukuqhubela phambili nokusebenza ngokungeyomfuneko. Iya kuba sisitshixo sokulawula imali kwezi ntsuku okanye kwezi veki. Ukusuka kwiindlela ezahlukeneyo ngokwesicwangciso oza kusisebenzisa.