Kwaye kutheni ungatyali imali kumvuzo osisigxina?

Amaxesha amaninzi xa sithetha ngotyalo-mali sibhekisa kwizabelo. Xa umvuzo osisigxina uyindlela yotyalo-mali. Kwaye kunokuba yinzuzo ngakumbi kwiimeko ezithile zoqoqosho. Ngenzuzo eyongeziweyo yokuba iza ngeendlela ezahlukeneyo kunye nendalo eyahlukileyo. Kuba ngoku, imelwe ziimveliso ezahlukeneyo zemali. Ukusuka kwiidipozithi zekota ukuya kwiimali zotyalo-mali ezinxulunyaniswe nezi asethi zemali. Unokukhetha okuninzi ngokuxhomekeke kwiprofayili oyivezayo njengesigcini esincinci.

Kuba ingeniso esisigxina ibonakaliswa ngokusisiseko ngokwahluka kakhulu. Into engenzekiyo, umzekelo, ngeziphumo zokulingana. Awunakukhetha ngaphandle kokucinga ukuba iimarike zengeniso esisigxina aziphawulwa kuphela kukuvela komgaqo-lawulo wemali kodwa nakwiminyhadala yezopolitiko. Phakathi kwabo amacebo ezoqoqosho acacisiwe ukusuka kwi-Fed kunye ne-ECB. Ukuya kwinqanaba lokuba inokumisela ukuba ungena okanye uphuma kwiimarike zezemali nangaliphi na ixesha. Apho amathuba ahlala evela kwiimarike zabo. Apho eyona nto inzima kukuzifumana ngexesha.

Ukukhupha i ukunceda okanye ukungazivuleli izikhundla kwimarike yengeniso esisigxina imeko yamazinga enzala iya kubaluleka kakhulu. Zombini kwilizwekazi elidala nakwelinye icala leAtlantic. Ngale ndlela, nakuphi na ukuguqulwa kwimeko yale parameter yezoqoqosho kuya kusebenza ngakumbi. Ukusuka kule meko, emva kweshumi elinamaqondo enzala asezantsi, i-FED sele iqalile inkqubo yokuqhelanisa. Ukusukela ngoku ukuya phambili, amanyathelo ezemali aphunyezwe ngumongameli omtsha waseMelika, uDonald Trump, uya kuba nento eninzi yokwenza nokuvela kwayo.

Yintoni enegalelo kutyalo-mali?

Zininzi izibonelelo ezinokuthi zikunike iimarike zezabelo ukusukela ngoku. Kwaye indalo eyahlukileyo, njengoko uza kuba nakho ukubona ukusukela ngoku. Kuba ngokwenene, nini ukunyuka kwamaxabiso kunyuka kulapho olu tyalo-mali lomelele khona. Kwaye awungekhe ulibale ukuba le meko ibalulekileyo inyukile kwindawo ye-euro kwiinyanga ezidlulileyo. Unokusebenzisa eli thuba ukuqala iintshukumo zakho zokuqala kwingeniso emiselweyo.

Akumangalisi ukuba iimarike zengeniso esisigxina zisetyenziselwe ukuhlala ngenzala ephantsi ngokungaqhelekanga. Ukuza kuthi ga kwinqanaba lokuba bakwazile ukukusa kude nale misebenzi, kwingozi yentengiso yezabelo okanye kwanakwezinye iindlela. Kodwa mhlawumbi lelona xesha lifanelekileyo buyela kwingeniso emiselweyo. Uya kuba neenketho ezaneleyo ukwanelisa ibango lakho. Ukusuka kwesona siko lesiqhelo ukuya kolunye ubuchule obenziwe phantsi kweendlela ezahlukeneyo.

Ingeniso esisigxina yaseYurophu, kutheni kungenjalo?

Ngomnye wemibuzo ekufuneka uzibuze yona ukusukela ngoku ukuya kwimeko yangoku yezoqoqosho. Ngale ndlela, awungekhe ulibale nangaliphi na ixesha ukuba i-ECB isandula ukuphinda inkqubo yokuthenga kwinqanaba lama-60.000 ezigidi zeerandi ngenyanga ukuqala ngo-Epreli. Iziphumo zalo kwimarike yebhondi ziya kubonakala ngakumbi kwaye uya kuba nakho ukuzuza kwezi ntshukumo. Nangona ungeke ulibale ukuba ezi zinto zikhuthazayo zivela kwibhanki yaseYurophu ekhupha isenokukhulisa ibhamu kule marike yezemali. Okanye ubuncinci isikhundla esingaphezulu, esinokuthi silungiswe nangaliphi na ixesha. Kanye xa ungalindelanga.

Ngapha koko, eUnited States ikwi elona nqanaba liphambili lomjikelo, nangona kukho abahlalutyi bezemali abakholelwa ukuba baphela kwendlela. Ukuthintela ngaphezulu kwengxaki enye kwizikhundla ezivulekileyo, kuyanqweneleka ngakumbi ukuba ungabanjwa kunye nenyathelo eliphawuliweyo. Kuba unokufumana ilahleko enzima kwiiakhawunti zakho. Apho iklasi ukusombulula le ngxaki inokuhlala kuyantlukwano enkulu kutyalo-mali. Ukukhetha iiasethi ezahlukileyo zemali.

Zeziphi iimveliso onokuziqesha?

Ewe uya kuba neemveliso zengeniso ezinzileyo apho unokwenza khona ukugcinwa kwakho kunenzuzo. Inkqubo ye- mali mali kwezi mpawu yenye yezona zifanelekileyo. Ngenxa yesibonelelo esikhulu esiveliswa ziinkampani zolawulo kuwe. Ngazo zonke iindlela kwaye unokuzibakhokelela kwezinye iimali kude ne-euro. Kananjalo nemali egutyungelweyo, njengesicwangciso-qhinga sokukhusela igalelo lakho lemali. Ukhetho olubanzi, ngokufutshane, kwezo ungazukukwazi ukubaleka kumzamo wakho wokuvula izikhundla ukusukela ngoku.

Iibhonasi yenye imveliso oyithandayo yokusebenza kwakho. Uluhlu olubanzi lwazo. Umdibaniselwano, urhulumente, wengingqi kunye nomngcipheko omkhulu ukuba umnqweno wakho. Kulula ukuwugqiba kwaye awufuni lwazi lukhethekileyo ukuthatha izikhundla kwezi asethi zemali. Nangona kunenzuzo esisigxina kunye neyonyaka okwangoku ayikhangeleki. Ngayiphi na imeko, kwaye njengakuzo zonke iintlobo zotyalo-mali, uya kuhlala unamathuba amatsha eshishini kolu rhwebo lwemveli.

Okokugqibela, unedipozithi yekota. Oomatshini bayo bahluke kakhulu kwiimodeli zotyalo-mali zangaphambili. Kodwa ukubonelela ngokhuseleko olukhulu kwingxelo yakho yengeniso. Abakuniki mbuyekezo kulondolozo olubaluleke ngokwenene, kodwa ke ngokubuyisela uya kuba ne imali eqingqiweyo neqinisekisiweyo minyaka le. Into engenziwanga zezinye iimveliso ezivela kwingeniso esisigxina. Ubuncinci kuyakunceda ukuba ulixabise ithuba lokubaqesha okanye ungaxhomekeki kwimidla yakho njengomtyali mali omncinci nophakathi.

Amaqhinga ekufuneka elandelwe

Ukusukela ngoku ukuya phambili unokufaka uthotho lwezinto ezona njongo ziphambili kukunyusa umvuzo wakho. Ke unako Yonwabela iinzuzo ezinkulu ngokukhawuleza kuzo naziphi na iimfuno zokuhlawula amatyala onazo ngoku. Kungenxa yokuba, kwezinye iimeko, nakwimbuyekezo yee equities okanye ezinye iindlela ziyaphucuka. Ngayiphi na imeko, unezenzo ezinokuthi zenze ngcono utyalomali lwakho kule asethi yemali.

• Ihlala ihambelana nefayile ye- umphelelisi ilungele ukuphuhlisa imisebenzi yolingano. Kwipesenti ocinga ukuba zifanelekile ngokusekwe kwiprofayili oyibonisayo njengomtyali mali omncinci nophakathi. Ukufikelela kwinqanaba lokuba ukwazi ukufikelela kwiinjongo zakho.
• Kwezinye iimeko ungaqinisekisi ngenzuzo encinci, kuba ungaphulukana nemali kutyalo-mali. Ukusuka kolu luvo, akusayi kubakho khetho ngaphandle kokujonga iimodeli ezinikezela ukubuya okungagungqiyo kwaye kuqinisekisiwe.
• Ingeniso esisigxina ihlala iluncedo ngakumbi kwi uninzi lweziganeko ezingathandekiyo ezithi ziphuhle kuqoqosho lwamanye amazwe. Iya kuba lelona xesha lifanelekileyo lokuvula izikhundla kwezinye zeemodeli ezifanelekileyo. Phakathi kwazo, imali yotyalo-mali okanye iidipozithi zekota.
• Kuzo zombini iimeko, imbuyekezo kulondolozo ayizukunelisa kakhulu. Kuya kunqabile ukudlula isithintelo se-1,50% kwimeko elungileyo. Akukho khomishini okanye enye inkcitho kulawulo okanye kulondolozo lwayo. Ngeendlela ezizinzileyo kunalo naluphi na olunye uhlobo lotyalo-mali.
• Como enye indlela yotyalo-mali Awungekhe ulibale ukudibanisa ingeniso esisigxina kunye nengeniso eyahlukileyo. Ngokusebenzisa imodeli yentengiso phakathi kwabaxhasi njengemali yotyalo mali. Nangona ukubuya, awunakukhetha ngaphandle kokuthatha iindleko eziphezulu kwiikhomishini.
• Awunakulibala malunga nefuthe isomelezi sokonga banazo ezi mveliso ezinobungozi ziphantsi. Ukuza kuthi ga kwinqanaba lokuba banokukunceda wenze ibhegi yokonga ixesha eliphakathi nelide. Ngembuyekezo ephantse yaqinisekiswa.

Izibonelelo zengeniso esisigxina

Olu hlobo lotyalo-mali luvelisa uthotho lwezibonelelo ekufuneka uzithathele ingqalelo ukucwangcisa ukuhamba kwakho. Ezinye zazo ziyaziwa kubo bonke, kodwa ezinye ngokuqinisekileyo ziyintsusa. Iya kuba zezi zilandelayo xa sikubhenca ngezantsi.

1. Ayizukuvelisa umngcipheko ogqithisileyo, kwaye awuzukufuna inkcubeko yezemali ngaphezulu kwesiqhelo. Yinto oya kuhlala unayo ngalo naliphi na ixesha, nkqu nakwezona meko zinzima kwiimarike zesitokhwe.
2. Unokucwangcisa phakathi kweemveliso ezininzi, ezinye zazo ziphakathi kwezona zixhaphakileyo kuyo nayiphi na ipotifoliyo yotyalo-mali. Ukuziqhelanisa neeprofayili ozibonisayo njengomtyali mali wevenkile.
3. Imodeli yabo yokuqesha isekwe kuzo zombini kubagcini kunye nabatyalomali. Nangona izicwangciso kufuneka zahluke kakhulu, nokuba zingaxakeki ngaphezulu kwesihlandlo esinye.
4. Awuyi kukhetha, kwezinye zeemveliso zabo, kodwa ukulinda oko kuza kuphelelwa lixesha ukubuyisa igalelo lezoqoqosho kunye nemidla yazo. Ngamaxesha amade okusisigxina anokukufaka ngaphezulu kwengxaki enye ngenxa yokunqongophala kwemali.
5. Ingeniso esisigxina isindwa ngu Ixabiso eliphantsi lemali. Ayothusi into yokuba le nto ibangele ukuba ukusebenza kwayo kube sezantsi kwiinyanga ezidlulileyo. Ukufikelela kumanqanaba angaziwayo kude kube ngoku.
6. Yimveliso eyenzelwe ukuba iprofayili yomgcini ichazwe kakuhle. Umntu omdala, ndoyika umngcipheko kwaye ujonge imbuyiselo emiselweyo kulondolozo lwakho minyaka le.
7. Kwaye njengegalelo lokugqibela, akufuneki ulibale ukuba kuyathengiswa naluphi na uhlobo lwamaxesha amisiweyo. Mfutshane, iphakathi okanye inde, kuxhomekeke kwiminqweno yakho. Kungenxa yokuba ziguquguquke kakhulu kule nkalo, ebaluleke kakhulu kuqoqosho losapho.