Kuyinyani ukuba ukothuka kubambe iintshukumo zabatyali zimali abancinci nabaphakathi kwaye kubangele ukuba zonke izalathiso zokulingana kwihlabathi liphela ziwe. ekhohlo 16% ngokomndilili kumaxabiso ezabelo. Kodwa kuya kufuneka ujonge kwicala elifanelekileyo lesi siganeko sibalulekileyo ukuze uphume kukoyikisa okubonakaliswa kweminye yeendaba eziphambili. Kungenxa yokuba ayinakulityalwa ukuba nakwezona meko zimbi zentengiso ye-equity, amathuba oshishino lokwenyani aveliswa apho ukwenza imali ibe nengeniso.
Kuzo naziphi na iimeko, kufuneka kucingelwe ukuba i-Ibex 35 idlulile kwisithuba esifutshane kakhulu sexesha ukusuka kumanqanaba aphezulu ngaphezulu kwamanqaku ayi-10.000 ukuya amanqaku angama-8.000. Apho ubundlobongela beentengiso bunyanzeliswa ngendlela ecace gca phambi kovalo lwabatyali mali bazo zonke iiprofayili ezinokubakho. Ukuza kuthi ga kwinqanaba lokuba uninzi lwabasebenzisi besitokhwe benze imisebenzi emibi kwiimarike zemali. Ngexabiso elikude kakhulu kunelo lokuthenga kunye nokuba kuye kwafuneka ukuba bayenze le misebenzi ngenxa yokoyika ukuba iimarike zokulingana zingaqhubeka ukuwa kwiintsuku ezizayo.
Ngaphakathi kulo mxholo ngokubanzi, akukho khetho ngaphandle kokuqaqambisa ezinye zezinto ezintle eziziswe yile meko intsha kwiimarike zezemali. Ukuze ngale ndlela sikwazi lisebenzise eli lizwe lobukhosi kwezi asethi zemali. Awunakho ukuwulibala umthetho wegolide olawula olu hlobo lokusebenza kwaye uthi akufuneki uthengise ngamaxesha oxinzelelo. Ewe kunjalo, kufuneka uhlale uzolile ngaphezulu kwezinye izinto eziqhelekileyo zohlalutyo lobuchwephesha. Ngaphezulu kwako konke, kubalulekile ukwenza ngononophelo olukhulu olunokukhokelela kubatyali mali abancinci nabaphakathi ukuba benze iimpazamo kwisisombululo esimbaxa.
ICoronavirus: amaxabiso aphantsi
Enye yeenzuzo eziveliswe yile panorama intsha kukuba ngoku ungazithenga izabelo ngamaxabiso okhuphiswano ngakumbi kuneeveki ezimbalwa ezidlulileyo. Ngezaphulelo kwezinye iimeko ze ukuya kuthi ga kwiipesenti ezingama-30 kwaye ke ngoko ivelisa ukuba ukubanakho ukuphinda kujongwe kuphezulu kakhulu ngalo mzuzu kanye. Ukusuka kule ndawo yokujonga, eli lithuba loshishino osele unalo, ngakumbi imisebenzi ejolise kwixesha eliphakathi kwaye ingakumbi ixesha elide.
Ngelixa kwelinye icala, kukho amaxabiso kwiimarike ebezikho wohlwaywa ngokungenasizathu Kwaye ngenxa yoko kuya kufuneka bachache kwakamsinya kunangoku. Njengokuba bethengisa ngamaxabiso apho imigca yabo yeshishini edityaniswe ngokupheleleyo ingaxabiswanga. Ngale ndlela, zimele ithuba lokuthenga elicacileyo ukusukela ngoku. Nokuba umngcipheko wokuqhubeka nokuwa kwiintsuku okanye kwiiveki ezizayo. Kungenxa yokuba umsebenzi unokuba yinzuzo kwithuba elingagqithanga ixesha kunye namaxabiso anokubonisa kakhulu umdla wabatyali mali abancinci nabaphakathi.
Umgangatho unokuba wenziwe
Ezinye iindaba ezilungileyo zokuba le mpembelelo ingathandekiyo kwimpilo yoluntu izisa kuthi kukuba isondele kwinto yokuba sisondele kakhulu kulungelelwaniso lomgangatho kwiimarike zezabelo kwiindawo ezininzi zeplanethi. Isalathiso esincinci malunga nale nto ibalulekileyo enomdla kuzo zonke iiprofayili zotyalo mali. Ngengqiqo yokuba uMzantsi Korea ube lelinye lawona mazwe achaphazeleke kakhulu yi-coronavirus, ukanti i-Kospi ibonakalisile iindlela zokuphucula, ezinokubonisa nokuba imarike yestokhwe sehlile. Ukuba lolunye uphawu oluncinci lokuba iimarike zezemali zisibonelela ngeentsuku ezimbalwa zokuxhuzula kubasebenzisi besitokhwe kwinqanaba lehlabathi.
Ngelixa kwelinye icala, le nto siyazi ukuba iKospi isinika yona kukuba singasondela kwesi simiso silindelweyo kuzo zonke iimarike zezabelo kwihlabathi, okanye ubuncinci kwezona zibalulekileyo kwaye zezona zichonga ukuvela kwendalo ezi asethi zemali. Ukuya kwinqanaba elikhulu okanye elincinci, kuba izikhundla kwezi marike ngeli xesha zikwimeko encomekayo kwaye inokuthi inyuse ukuphakuzela phakathi kwabo bonke abarhwebi bezemali. Apho ukuthengisa kukwazi ukutshayela izikhundla zeodolo ezimbalwa ezikule nto inzima kangangokuba abatyali mali abancinci nabaphakathi bahlala.
Utywala kwiiakhawunti zokonga
Enye yezona zinto zibalulekileyo ezishiywe yi-coronavirus kwimarike yemasheya kukuba sinokonwabela ukuthengiswa kakhulu, okoko nje siqhubekile nesiphumo ukuthengisa kwiimarike zezabelo. Kuba ngenene, akukho mathandabuzo okuba le nto ingasinceda ekucwangciseni utyalomali kwisiqingatha sokugqibela sonyaka. Ngokuhlala kamnandi ngakumbi emva kokuwa ngokubanzi kweemarike zamashishini ezingenanzala emanyeneyo. Ngamanye amaxesha, ngonciphiso kwixabiso lesabelo ukuya kuthi ga kwiipesenti ezingama-50. Oko kukuthi, isiqingatha esinexabiso eliphantsi njengoko bekusele nje kwiiveki ezimbalwa ezidlulileyo kwaye ngale ndlela umngcipheko wokuwa okunzulu uya kuncitshiswa. Ngale ndlela, ayinakulityalwa ukuba i-Ibex 35 sele ingaphantsi kwenqanaba elibalulekileyo lamanqaku ayi-8.000.
Kwelinye icala, ukuba nemali epheleleyo yokuhlawula amatyala akunakunceda ukusukela kula mathuba ngoxolo olukhulu ukubona amathuba oshishino avelayo kwiimarike zezemali. Kungenxa yokuba ngaphandle kwamathandabuzo ziya kuvela kwiiasethi ezithile zemali. Ngoku iya kuba ngokuchanekileyo abasebenzisi abakule meko abaya kuba nakho ukuthatha ithuba lokuwa ngenkohlakalo kwiimarike. Kwiimeko ezininzi nge Amaxabiso esivumelwano enokusetyenziselwa ukwenza imisebenzi izuze kwinxalenye yokugqibela yalo nyaka. Ngokhetho lokufumana umdla onqabileyo kakhulu kwamanye amaxesha embali kwaye oko kwenzeka kunqabile.
Iikhredithi ezingabizi kakhulu
Phakathi kwezinto ezintle ezishiye i-coronavirus kwimarike yemasheya, asinakuthatha into ebhekisa kwinto yokuba ukuboleka kuya kubiza kancinci ukusukela ngoku. Ngenxa yokuncitshiswa kwereyithi entsha ekulindeleke ukuba yenzelwe indawo ye-euro kwaye nangona kunjalo ngoku ikummandla ombi. Kodwa eyona nto ifanelekileyo kukuba le meko inokugcinwa ixesha elide. Kuba, ngaphambi kokuvela kwe-coronavirus, zonke iingqikelelo zalatha ekuphakameni okufanayo necebo lemali ukukhuthaza ukukhula koqoqosho. Ngoku zonke ezi zicwangciso zitshatyalalisiwe kwaye unokuba namatyala nge inzala eqinileyo kakhulu kwiimfuno zabafakizicelo.
Ubungqina obulungileyo bale meko yimeko yemali mboleko yokubolekwa kwemali eza kuthi ivelise ukuba iintlawulo zenyanga azonyuki, ubuncinci kwiinyanga ezintandathu ezizayo. Kule meko ngokubanzi, kufanele ukuba kuqatshelwe ukuba idatha yakutshanje evela kwiZiko lezeNkcukacha-manani leSizwe (i-INE) libalaselisa lo mkhwa. Xa kungqinisiswa ukuba kwinyanga ephelileyo kuhlolisisiwe, kubanjiswe imali mboleko kwiipropathi ngoDisemba, i-avareji yenqanaba lenzala ekuqaleni yi-2,46% (1,4% ephezulu kunangoDisemba 2018) kunye nexesha eli-avareji iminyaka engama-21. I-57,0% yemali mboleko ikwiqondo lenzala eyahlukileyo kunye nama-43,0% kwinqanaba elimiselweyo. Umyinge wenqanaba lenzala ekuqaleni yi-2,14% yemali-mboleko yexabiso eliguqukayo (i-2,8% isezantsi kunoDisemba ngo-2018) kunye ne-3,00% kwiirhafu ezibekiweyo (4,3% ngaphezulu ngaphezulu).
Izilungiso kwii-asethi eziyimali
Elinye icala elihle elishiyelwe yi-coronavirus linento yokwenza nokuhlengahlengisa amaxabiso okungena kwinxalenye enkulu yeeasethi zemali. Umzekelo, kwioyile esele ingaphantsi kwesithintelo sengqondo se $ 30 umphanda kwaye inakho kwaye inokwenza ithuba lokwenyani lokuthenga ngokwamanqanaba akhoyo nakuyo yonke imiqathango yokusisigxina. Zombini zithathe isikhundla kwiinkampani zeoyile ezidweliswe kwiimarike zamashishini ezingenanzala emisiweyo, kuzwelonke nakwamanye amazwe, kwaye zenze ngokuthe ngqo oku kulwenziwayo. Nangona inokubonisa ukungazinzi kwiiseshoni ezilandelayo.
Ngelixa okokugqibela, kukho izinto ezingasetyenziswanga esele zinamaxabiso abonisa kakhulu. Njengakwiimeko ezithile ze ikofu, umbona okanye isoya. Ngayiphi na imeko, ezi ntlobo zemisebenzi zikhawulelwe kubatyali zimali abancinci nabaphakathi ngenxa yokuntsonkotha kweemarike zabo zemali. Apho olona khetho lubalaseleyo luboniswa ziimali zotyalo-mali ngokusekwe kwezi asethi zemali. Nangona kunjalo, bajolise kumaxesha amade okusisigxina kwaye oko kuya kufuna ulumkiso olukhulu ekuchanekeni kwabo. Ngoku zonke ezi zicwangciso ziye zathintelwa kwaye zakhathazwa kummandla we-euro ukulungisa amanqanaba enzala.