Indlela yokujongana notyalomali lwakho kwimarike yemasheya ngo-2016?

Izicwangciso-qhinga ezilungileyo kwimarike yemasheya ngo-2016 Unyaka omtsha uyeza apho abagcini bafuna ukuphucula izikhundla zabo, emva kokukhathazeka zii-equities ngaphambili. Nangona ekuqaleni konyaka ka-2015 abona bahlalutyi babaluleke kakhulu kwimarike yemasheya baqikelela ukuhlaziywa koovimba baseSpain abaphakathi kwe-10% kunye ne-20%, khange kube njalo. Ekugqibeleni, iphele ngokuchanekileyo njengoko yaqala, kufutshane nomqobo wamanqaku ayi-10.000.

Ukujongana nalo msebenzi mtsha, iingcali kwimarike yemasheya yaseSpain banika ithagethi ngamanqaku ayi-11.500. Ngamanye amagama, ukusuka kumanqanaba akhoyo, umlinganiso wolingano kuzwelonke uza kubonisa i-15% yemivuzo yayo. Nangona kunjalo, njengakuzo zonke izinto ezenziwayo, kuhlala kukho ingcali kwintengiso yesitokhwe ethe yehlisa ulindelo lokuhlaziywa, ibashiye ngaphezulu kwe-5%. 

Nangona kunjalo, ziingqikelelo, kwaye ubunyani bamaxabiso buya kuphawulwa ngentengiso, njengesiqhelo, ukulungelelanisa amaxabiso kwinyani. Kwaye oko kuxhomekeke kwizinto ezintsha ezivelayo, hayi ezoqoqosho kuphela, kodwa kukwimo yezopolitiko kwanasekuhlaleni, Ekugqibeleni iya kugqiba amanqanaba emarike yemasheya kwiinyanga ezilishumi elinambini ezizayo.

Ngaphandle kwayo yonke into, kwaye ngocwangciso olufanelekileyo kwipotfoliyo yakho yotyalo-mali, uya kuba nakho ukuphucula ukubuyela kwizabelo zakho, nokuba uphinda-phinde inzuzo oyifumanayo kwimakethi yezemali. Elinye lamaqhosha okuphumeza ngempumelelo esi sicwangciso liya kubandakanya ukhethe ngcono amaxabiso alo nyaka.

Kuya kufuneka uvavanye iimeko ezintsha

Ayizukuxabisa mntu, kodwa abo babonisa ingxelo yezemali kwiiakhawunti zabo benyibilikisa ngakumbi, kwaye ukuba kunokwenzeka ubuncinci netyala ukusuka ngokufanayo. Kwaye ngakumbi ukuba bayabala kunye nokuphakama okungaphaya kombuzo, ubuncinci kwixesha elifutshane neliphakathi, ukuqinisekisa uhambo lwakho.

Kananjalo akufuneki ukuba ezona ndawo zibalaseleyo zentengiso yesitokhwe zithotywe ukuze ziqale ukuthatha isikhundla ngokuthe ngcembe. Kwaye ngokoluvo lwabahlalutyi ababalulekileyo iya kuba yezo zinxulunyaniswa nokusetyenziswa, ukuthuthwa koluntu kunye neenkampani zombane, ikakhulu.

Ngayiphi na imeko, kufanelekile ukulandela ngokweenkcukacha ukuhamba kweenkampani ezinxulumene nezinto ezingavunyelwanga, zohlwaywe kakhulu ngo-2015 ngokusikwa okubonakalayo kumaxabiso abo. Utshintsho olunokwenzeka kwimeko yamaxabiso abo kunokubakhokelela ekubeni bavelise imbuyekezo ebalulekileyo, ngamathuba okuba ungenza ukonga kwakho kunenzuzo ukuya kuthi ga kwiipesenti ezingama-30, nokuba neepesenti eziphezulu ukuba imeko ikunye nawe.

Ukunyuka kwamaxabiso kuya kuyichaphazela njani iUnited States?

Ukunyuka kwamazinga enzala e-US kuya kumisela ukuvela kweemarike Lo msebenzi mtsha ngaphandle kwamathandabuzo uzakubonakaliswa yi Ukuqala kwenqanaba lokunyuka kwenzala eUnited States yiFederal Reserve, kwaye okokuqala ukusukela oko kwaqala ukudodobala kwezoqoqosho okukhulu okuchaphazele okuninzi kwihlabathi. Akumangalisi ukuba utshintsho kumgaqo-nkqubo wezemali sele luyinyani ekungekho mhlalutyi uthandabuzayo.

Kule meko intsha yezoqoqosho, kuya kufuneka ujonge ukuba ii-equity zisebenza njani, kwaye ukuba zinokubangela izilungiso ezibukhali zizise amaxabiso azo kumanqanaba ukuza kuthi ga ngoku alibalekileyo. Ayothusi into yokuba kukho amazwi afanelekileyo nangakumbi athetha ukuba eli nyathelo liyakumela ingqokelela yeenzuzo ebhegini ngabagcini ngaphesheya kweAtlantic.

Ngokubhekisele kwilizwekazi lakudala, kuya kufuneka ujonge ukuba ukukhula koqoqosho kumazwe aphambili eManyano yaseYurophu kuya kuqhubeka na kwezi nyanga zizayo ngamandla afanayo ukuza kuthi ga ngoku, okanye ukuba kungakho imiqondiso ukungena kuqoqosho olutsha. Y inokusebenza njengendawo ekubhekiswa kuyo ukwenza isigqibo sakho ngaphambi kokunyuka okutsha (okanye ilahleko) kwiimarike zezemali.

Eminye imiba eya kuba nefuthe kwintengiso yesitokhwe

Iimbambano zemfazwe ziya kuba yingozi enkulu kubatyali mali kulo nyakaKodwa ayizukuphela kwabo, kodwa Kuya kufuneka uqaphele ezinye iimeko ezinokuthi zibe nefuthe kwiimarike ukuba ziphakame okanye ziwe, Kuxhomekeke kubungakanani bayo. Ukusuka kwiinkqubo ezintsonkothileyo zonyulo ukuya kwimephu ye-chess enzima edlalwa kuMbindi Mpuma, ngenxa yemfazwe eSyria, kunye nokubandakanyeka kwamazwe amaninzi kuphuhliso lomlo.

  • Iimeko zonyulo eziza kwenzeka kwamanye amazwe aseYurophu, Ukuphelisa unyaka ngonyulo lomongameli omtsha waseMelika. Ezi nkqubo zonyulo ziya kuba yithemometha yokulinganisa imeko yokulingana kweli xesha Kwaye ngokungathandabuzekiyo kuya kugqiba isigqibo ekufuneka usenzile sokukhulisa utyalo-mali lwakho.
  • Ungquzulwano olunjengemfazwe oluza kuziswa kukufika konyaka omtsha, kwaye ezinye zazo zigcwele ngokupheleleyo, njengemfazwe eSyria, ukungavisisani phakathi koorhulumente baseRussia naseUkraine, nalapho kunokongezwa khona olunye uphuhliso. Bangalutshintsha uphawu lwezabelo nangaliphi na ixesha, nokuba kungalindelwanga, ngokutshintsha okukhulu kumaxabiso ezabelo.
  • Ithuba lokuba IGrisi ayinakho ukujongana namatyala ekuvunyelwene ngawo nemibutho yamanye amazwe, kwaye iphela inefuthe kuphuhliso lwenkqubo ye-European Union. Ngokuqinisekileyo, kwiinyanga ezizayo kuya kubakho iimeko zokungaqiniseki, ezinokukwenzakalisa ukuba uthathe izikhundla kwiimarike zezemali.
  • Iingxaki zoqoqosho lwaseTshayina, esele ibonakalisa iimpawu zokwehla okubukhali, kwaye ezinokuba mandundu ngakumbi kunyaka ozayo, ezichaphazela amazwe asahlumayo, kodwa kunye neendawo ezinkulu zoqoqosho, ubudlelwane bazo kurhwebo nesigebenga saseAsia somelele kakhulu. Awunakulibala okwenzekileyo ehlotyeni elidlulileyo, xa, ngenxa yesi sizathu, iimarike zentengiso zehle ngaphezulu kwe-10% kwiiveki ezimbalwa.
  • Kwaye okokugqibela, awunakuziyeka uhambe ukunyuka okuhla kwixabiso leoyile ekrwada, emva kokuhamba ukusuka kuma-80 ukuya kuma-40 eerandi umphanda ngo-2015, kwaye oko kunokubeka emngciphekweni ukubuyiswa kwamazwe athile asakhasayo, okanye kuvuselele ngokulula ukunyuka kwamaxabiso. Ukuba ezi meko ziyafezekiswa, akusayi kubakho khetho ngaphandle kokucinga ukuba ii-equities ziya kubonisa ezantsi le meko ye-atypiki igqithileyo.

Ungalukhusela njani utyalo-mali lwakho ngeli xesha?

Ezinye iimodeli zokukhusela utyalo-mali kulo nyaka Lilonke, imeko yeemarike zesitokhwe zalo nyaka, Kubonakala ngathi kukude kubunewunewu beminyaka edlulileyo, okanye le iboniswe ngabona bahlalutyi baqinisekileyo. Kodwa nangayiphi na imeko, ngaphandle kokuba yintlekele njengoko ezinye iigurus zeemarike zezemali ziqikelela. Akumangalisi ukuba idatha yezoqoqosho, zombini e-United States nakwi-European Union, iya kuqhubeka nokuthatha isigqibo sokujonga ukuba kuya kuba njani kulo nyaka kwimarike yemasheya.

  1. Ukuba ubakhathalele, ngokuqinisekileyo uya kuyifumana i-tweak elungileyo kwiminikelo yakho. Kodwa ewe, Kuya kufuneka ukhathalele isenzo sakho, ngokusisiseko ukukhusela ulondolozo, kodwa kunye nokuphuhlisa iindlela ezifanelekileyo zokufezekisa iinjongo zakho.
  2. Akufuneki ukuba, ubulumko buya kuphawula ukukhula kwezenzo zakho, kufuneka ukhethe ukhuseleko oluneeakhawunti ezifanelekileyo zeshishini, kwaye kunokwenzeka ngetyala elincinci Kwaye nangayiphi na imeko, ukubaleka awona macandelo aphikisanayo kwiinyanga ezilishumi elinambini ezizayo. Ngokoluvo lweengcali zeemarike zezemali, kwaye ngokuqinisekileyo, iya kuba yibhanki, amandla kunye neenkampani ezijikelezayo.
  3. Ulwahlulo oluchanekileyo kutyalo-mali, ukukhetha ukujikeleza okwandileyo konyaka omtshaUkwenza iphothifoliyo yotyalo-mali kunye nokhuseleko olunenzuzo. Iya kuba sisitshixo sokufezekisa iinjongo zakho ngempumelelo ngakumbi.
  4. Ngaphandle kokujongela phantsi ezinye iimveliso zemali, onokuthi uzibhalise kuxhomekeke kwindlela uqoqosho lwamazwe aphambili aguquka ngayo, kodwa ngakumbi iimarike zezabelo. Kwaye ekugqibeleni, Unokukhetha ezinye iindawo ezizezinye, kunye neemveliso zebhanki, kude kube ngoku ubunazo. Kwaye oko kunokuvelisa umdla, ubuncinci bamkelekile. Nangona ngokuqinisekileyo bengazifezekisi zonke izinto ozilindeleyo.
  5. Recuerda que Imarike yebhere inokuba nomtsalane kwimidla yakho. Unokubheja kwii-indices, kumacandelo okanye kumaxabiso afumana le meko kwi2016. Inzuzo eyinkunzi onokuyifumana iphezulu kakhulu, kodwa ke lumka, kuba kwiinyanga ezimbalwa ungaphulukana nenxalenye ebaluleke kakhulu yenkunzi yakho. Ukuthintela ezi meko zihlazo, kuyacetyiswa kakhulu ukuba unciphise igalelo lakho kwimisebenzi emincinci. Kwaye ngale ndlela thintela ilahleko enokwenzeka.
  6. Zama gcina inqanaba elihle lokuhlawula amatyala kwiiakhawunti zakho ixesha elininzi lonyaka. Iya kuba sesona sixhobo silungileyo sokusebenzisa amathuba amaninzi oshishino azakuvela ngeli xesha. Akukho mntu unyanzelwayo ukuba athengwe unyaka wonke, nangaphezulu, ayikulungelanga umdla wakho.
  7. Ungazami ukuzikhawulela ngokukodwa kwizabelo zamazweKodwa kufuneka uqonde ukuba zikhona ezinye iimarike zezemali, apho unokufumana impendulo efanelekileyo kwiimfuno zakho zokuvelisa inzuzo eyinkunzi. Nangona oku kuyakufuneka ujongane neekhomishini eziphezulu, kwaye isenokuba yimeko yokuba ungazazi iimarike zabo ngokunzulu.
  8. Musa ukuphakamisa ixesha elide lokuhlala, elinokuthintela isicwangciso sakho. Okwangoku iimarike zentengiso zamanye amazwe zilawulwa ziintshukumo eziguqukayo kakhulu, ezifuna isantya sezenzo zakho. Nakuphi na ukulibaziseka kuzo kunokuhlawula i-euro ezininzi ekusebenzeni ngakunye.
  9. Kwaye ekugqibeleni, yiya kumthambo omtsha ngengqondo elungileyo. Kuya kuba lilize ukuzisola xa ungazi nokuba iya kuba njani indaleko yayo. Kwelinye icala, ngobuchule obuvulekileyo ngakumbi kuya kukunceda ufumane onke amathuba oshishino aya kuboniswa kulo nyaka mtsha wokurhweba. Nokuba ufunda kwiimpazamo ezidlulileyo, sesinye sezona zicwangciso ziluncedo kakhulu ukuhambisa imisebenzi yakho.

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

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
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