Kukho iiveki nje ezimbalwa kude kube kufakelwe unyaka omtsha we-2017 ebomini bethu. Kwaye ngokombono wotyalo-mali, kuya kubakho amathemba amaninzi abekiweyo kulo nyaka sele uza kuqala. Ngokukodwa emva kokunyamezela i-2016 eninzi yokurhoxa, ukusukela khange ube ngunyaka olungileyo kwiimarike ubulungisa, kunye notyalo-mali ngokubanzi. Apho kuphela ekugqibeleni kuye kwakho impendulo encinci yokunyusa.
Ukufika konyaka omtsha kuya kufuneka ukuthathele ingqalelo ngomdla othile kwaye uya kuba nakho ukwenza imali ukonga ngembuyekezo ephezulu kunaleyo ifunyenwe kwiinyanga ezilishumi elinambini ezidlulileyo. Ukufezekisa le minqweno, akuyi kubi ukubhalela i-Magi ileta xela iminqweno yakho. Ayisiyiyo kuphela kwimarike yokulingana, kodwa konke ngokubanzi. Iya kuba linyathelo eliqaqambileyo lokuqalisa unyaka ngomdla othile.
Kuya kubakho iminqweno emininzi oyifunayo kulo msebenzi mtsha. Zama ukwenza ukuba le nto iphosakeleyo ibe yinto engekho ngqiqweni ukuze waneliswe ngamanye amaxesha. Ayizukuhlawula nto kwaye iyakunceda ujongane neenyanga ezimbalwa ezizayo unethemba elihlaziyiweyo. Ngaba uzimisele ukwamkela lo mngeni ucebisayo kunye noqobo? Kwimeko apho, siza kukunceda ubeke phambili iminqweno embalwa kule leta izele yinkohliso.
Iminqweno: uzinzo lweemarike
Ngaphandle kwamathandabuzo, iya kuba yinto ephambili ukuba iimarike zezemali zibonise idosi elungileyo yozinzo lwezezimali. Ngenxa yoku, kuyakufuneka ukuba iimeko ezinje ngeehlotyeni ezenzeka eBrithani enkulu kunye neBrexit okanye ukumka kwamaziko oluntu akuveli. Ukuba oku kuyenzeka, kuyakubalula kakhulu ukuvelisa iimali eziyinzuzo kwimisebenzi yakho kwiimarike zezemali. Kodwa ayizukwanela. Akufanele ulibale kule leta inkohliso isibongozo ukuze ukukhula kuqoqosho olukhulu umhlaba uyinyani. Isenokuba sesona sizathu sokuqhekeka kwiimarike zentengiso.
Ngalezi zicelo zibini zibalulekileyo, kwaye ukuba ziyazalisekiswa, uya kuba nemeko entle kakhulu ukuze uvule izikhundla kwizabelo kunye neziqinisekiso ezingaphezulu. Ngokwenyani yokuba ukuphela kuka-2017 ibhalansi yeakhawunti yakho yokutshekisha inyuke kakhulu. Inongwe nge uhlengahlengiso olukhulu kwiiakhawunti evela kwamanye amazwe. Iindaba ezihlala zamkelwa kakuhle ziimarike, kwaye kunjalo ngabatyali mali.
Kwaye awunakulibala malunga nokupheliswa kwembambano phakathi kwamalungu e-European Union. Iya kuba sesinye isiqinisekiso sokutshintshiselana ngesitokhwe kwilizwekazi elidala ukuba nohambo olude ukusuka ngoJanuwari. Mhlawumbi phantsi kwamanani amakhulu kunokuba ucinga ngalo mzuzu. Kungenxa yoko le nto olu hlaziyo lungafanelekanga ukuba lubekhona kwileta yakho eya kwiZazi.
Uya kuba njani u-2017 kutyalo-mali lwakho?
Olunye lweentshaba ezinkulu zamashishini kukulingana iimeko eziphikisanayo. Ngokukodwa banento yokwenza nohlaselo, ubunqolobi kunye nezenzo ezifanayo. I-Con ngabahlobo abalungileyo bokuvela kweenkampani kwiimarike zemali. Kude kube kwinqanaba lokuvelisa kwabo ukuncipha okukhulu kuwo onke amaxabiso. Qho xa kusenzeka enye yezi mpendulo, ziya kwenza ilahleko ebonakalayo kwipotifoliyo yakho yotyalo-mali. Nokuba yenziwe njani na.
Ukuba ufuna ukwenza ulondolozo lube nenzuzo kulo nyaka uzayo, awuzukukhetha kodwa ucele ukuba lo msebenzi mtsha ukhululwe kwezi meko. Ngale ndlela, akuyi kubakho kugqabhuka kwii-indices zesitokhwe ezinokonakalisa izikhundla zakho kwii-equities. Iya kuthi, ke ngoko, ibe yinto yozinzo eya kuthi ichaphazele amaxabiso ezabelo ukuba anyuke ngesiqinisekiso esikhulu sempumelelo.
Inani elilungileyo labahlalutyi kwezi marike bacela ukuba abatsha bakhululeke kwezi ziganeko zingathandekiyo. Ngaphandle kwabo, kukho iqela elincinci lesitokhwe esabela phezulu xa uhlaselo lwabanqolobi lusenzeka. Phakathi kwabo bavela kumacandelo okhuseleko, iingalo okanye iimveliso zomkhosi. Kuphela kwendlela eyahlukileyo esihamba ngayo kuzo zonke iimarike.
Ukungabikho kweengxabano
Kodwa ukuba ngoku kukho umahluko onokuchaphazela iimarike ze-equity, ayikho enye ngaphandle kwe umgaqo-mali ezikhokelela kumacala omabini e-Atlantic. Ngaphandle kwamathandabuzo, iya kuba yeyona nto ibaluleke kakhulu kwiingxowa zokuthatha imeko enye okanye enye. Emva kokugcina amaxabiso enzala kwamanye amanqanaba asezantsi kumashumi eminyaka akutshanje. Kwaye uloyiko lokuba abanye abatyali mali banalo kukuba le meko inokutshintsha ukusuka ngo-2017.
Ngokumalunga nexabiso lenzala kwindawo ye-euro, zonke iimbono zibonakala zisendleleni yokuba yonke into iya kuhlala injalo. Ngexabiso lemali kwi-0%. Oku kunokuba ziindaba ezilungileyo kwiimarike zokulingana kunye nabatyali mali. Naluphi na utshintsho luya kuthathwa ngokudana okukhulu, kwaye ke ngenxa yokuhla kwexabiso kuninzi lwamaxabiso esitokhwe.
Omnye umzekelo uboniswa ngamazinga enzala eMelika. Emva kweminyaka emininzi isezantsi, kulo nyaka abaphathi bezemali bathathe isigqibo ulayishe kancinci kancinci. Njengomphumo wokuzivelela okungcono koqoqosho lwaseMntla Melika. Bayiphakamisile benentloni, malunga nesiqingatha sepesenti. Nangona kunjalo, ukusikwa ngakumbi kubo kuya kuba nefuthe elibi kwiimarike zezemali. Apho abathengisi banokuzinyanzela ngokucacileyo kubathengi.
Ukuba ufuna ukulandela isicwangciso esisebenzayo kwimarike yemasheya, kufuneka ikhokelwe ngokubeka iliso kumazinga enzala. Ukuba yonke into iyaqhubeka njengangaphambili, iya kuthanda izikhundla zokuvula. Ngelixa naluphi na utshintsho kumbono luya kuba sisizathu sokuwa okubalulekileyo kwiimarike zezabelo. Ukuya kwinqanaba lokuba kuya kufuneka uzishiye zonke izikhundla ozivulileyo ukuza kuthi ga ngoku. Iya kuba yeyona ndlela ilungileyo yokuzikhusela kwiintshukumo ezingalindelekanga kubatyali mali.
Amathandabuzo malunga noqoqosho lwaseSpain
Ukuba injongo yakho kukutyala imali kwimarike yesizwe, ungathandabuzi ukuba kuya kufuneka wongeze uguquko oluhle kuqoqosho kuluhlu lweminqweno. Ingakumbi ngonyaka wamathandabuzo amaninzi ngokubhekisele kwi amandla karhulumente Ukujongana neengxaki ezingundoqo eli lizwe elinazo: intswela-ngqesho, uhlengahlengiso kuhlahlo-lwabiwo mali, ipenshoni kunye nokonyuswa kwemivuzo yabasebenzi, phakathi kwezona zibalulekileyo.
Kuya kufuneka silindele yonke into enokwenzeka eSpain kwezi nyanga zilishumi elinambini zizayo. Kungenxa yokuba kuxhomekeke koku kwahluka, imarike yemasheya inokuthatha enye okanye enye indlela eyahlukileyo. Ngaphandle kokulibala ukungaqiniseki kwezopolitiko ezinokuthi zibe nefuthe kwindaleko yezabelo zamazwe ukusukela ngoku. Iya kuba lelinye lamanqaku apho kuya kufuneka ujonge ukwenza ukonga kunenzuzo.
Kananjalo awungekhe uzilibale iingxaki ezinokuthi zibekho ezinye iinkampani zelizwe. Ngeengxaki ezinkulu kumashishini abo kunokuba kunokubonwa okwangoku. Inkqubo ye- Iziphumo zeshishini Ezithiwe thaca kwikota nganye ziya kuba yithemometha elungileyo ukuze ubone imeko enje. Baza kukunika umkhombandlela ongaqhelekanga malunga nokuba iithoto zinokuya phi malunga noku. Akufanelekanga ukuwutyeshela lo mbandela kodwa ufuna ukuthatha ngaphezulu kwesothuso esibi ngexesha lomsebenzi olandelayo.
Lumka kakhulu kwiibhanki
Unyaka ka-2017 awuzukugqibezela kwimidla yakho ukuba iingxaki kwicandelo lebhanki azilungiswa. Ingakumbi leyo inento yokwenza nezinto zelizwekazi elidala. Iindaba zamva nje kwicandelo azikhuthazi. Ukuya kwinqanaba lokuba akunakucinywa ngaphandle ungenelelo olutsha kwibhanki engaqhelekanga. Ngokuqwalaselwa ngokukodwa kwibhanki ephambili eJamani, kwaye imeko yabo ikhathaza kakhulu.
Ukuze ungabinangxaki ezininzi kwii-equities, awuzukukhetha ngaphandle kokuyeka ukuvula izikhundla kweli candelo libalulekileyo lezemali. Ubuncinci de kube eyona ngxaki iphambili abebehlala nayo kwiinyanga ezidlulileyo isonjululwe. Unamanye amacandelo engxoweni akhuselekileyo. Ngokulingana phakathi kokubuya kunye nomngcipheko onomdla ngakumbi kwimidla yakho. Phakathi kwazo, umbane, ubuchwepheshe obutsha okanye iinkampani zokutya.
Ukuba yonke le minqweno izalisekisiwe, uya kuba nobunzima obuncinci ekwenzeni inzuzo yokonga, kwaye mhlawumbi nangaphezulu kunokuba bekulindelwe. Ukwenza oku, kuyakufuneka ukuhlalutya ukuba luyintoni utshintsho lweemarike zezemali kwiiveki zokuqala zonyaka eziza kuqala. Akunanto, baya kukunika imikhondo yokuqala Ezikunceda wenze esona sigqibo sichanekileyo ngokusekwe kwimeko ezinokuvela.
Kwaye akufuneki ukuba unciphise ukuphendula kweemarike umqeshi omtsha ovela eUnited States. Ngaphandle kokulibala ukuba unyaka wokuqala wazo zonke izigunyaziso awuhlali ulunge kakhulu kubatyali zimali abancinci nabaphakathi. Yidatha ekunqabileyo ukuba ifinyelele kugcino, kwaye inokuthatha isigqibo kwimidla yakho.
Awunakho ukulibala, kwelinye icala, ukuba ngeli xesha lokuzilolonga unyulo jikelele luya kubanjwa kumazwe anobunzima obuthe ngqo kwi-odolo yehlabathi enje ngeFrance neJamani. Kuya kufuneka sigcine elinye iliso eBerlin kunye nelinye eParis, kuba kunokwenzeka ntoni kwezi nkqubo zibalulekileyo zonyulo. Iimarike ze-equity ziqinisekile ukuba zingazinzi kakhulu kwiiveki ezikhokelela kulo msitho wezopolitiko. Ngotshintsho oluninzi lweendlela ezisekwe kunyulo lwangaphambili lonyulo. Awungekhe uyilibale le meko ukuba ufuna ukuphumelela kurhwebo.