Kunyaka ophelileyo bekungekho mibi kwizabelo zamashishini, njengoko abanye abahlalutyi bezemali bekulindelekile. Kuyo nayiphi na imeko, awunakukhetha ngaphandle kokulungisa iimpazamo ezenziwe ngo-2017. Ngale ndlela, awungekhe ulibale ukuba isalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35, Ndiphela ngokuhlaziywa ngaphezulu kwe-5%. Nangona kunjalo, yonke into ibonakala ngathi lo nyaka mtsha uzakuba lukhulu nzima ngakumbi ukuvula izikhundla kwiimarike zezemali.
Ujongene nale meko, enye yeenjongo zakho ezikhawulezileyo ayizukuphinda ezona mpazamo zixhaphakileyo ezenziwe kumthambo odlulileyo. Ewe ayizukuba ngumsebenzi olula ukuyenza. Kodwa oko kancinci nya mezela uya kuba nakho ukwanelisa ibango lakho. Ubuncinci kwinxalenye elungileyo yeempazamo oqhele ukuzenza kwimisebenzi yakho kwintengiso yemasheya. Ngokuqinisekileyo baya kuba ngaphezulu kunokuba ucinga ukususela ekuqaleni. Hayi ngelize, i-euro ezininzi ziya kuxhomekeka ekusonjululweni kwezi ngxaki kwimisebenzi nganye eyenziweyo.
Ukuba ufuna ukuba lo nyaka ube nesiqhamo esipheleleyo kuyo yonke imisebenzi oza kuyiphuhlisa kwimarike yemasheya, kuya kufuneka ufunde kwiimpazamo zexesha elidlulileyo. Kwaye yeyiphi indlela ebhetele kunokwenza ngaphandle ukukhumbula apho uye waphambuka khona kwaye uzama ukunika iimpendulo koku kusilela obukhe wakwenza kwimithambo yangaphambili. Iya kuba yeyona ndlela ilula ukuze ungaziphindi kwezi zihlandlo zichanekileyo. Ukuze ngale ndlela, ukuhamba kwakho kwiimarike ze-equity kunenzuzo ngakumbi kwaye unokufumana uninzi oluninzi lweenzuzo ukusuka kulo mzuzu. Ngokuqinisekileyo kuya kuba kufanelekile ukuzama.
Impazamo yokuqala: ukuqikelela emnyango
Ewe kunjalo, akukho mpazamo ibizayo kwimidla yakho kunokuba ungazi ukuba leliphi ixesha elifanelekileyo lokuvula izikhundla kwiasethi yezemali. Ukuya kwinqanaba lokuba inokuchaza isicwangciso ekufuneka usenzile sokunyusa ukusebenza kwiimarike zezabelo. Apho enye yeenjongo eziphambili ngokuqinisekileyo ziya kubakho lungisa amaxabiso. Zombini xa kuziwa ekuthengweni nasekuthengiseni. Ukuze ube nezixhobo ezingakumbi zokuphucula iziphumo zokugqibela zemidlalo yakho. Ukuba uyayisebenzisa, uya kubona ukuba zincinci kangakanani iimpembelelo eziza kutsala umdla wakho ngenxa yokusebenza kwazo okukhethekileyo.
Awungekhe ulibale nangaliphi na ixesha ukuba uninzi lweengxaki zakho kwimarike yemasheya zivela kukungena ngokungathandekiyo kwiimarike zezabelo. Kwaye ngenxa yeli nyathelo, kuyakufuneka ubeke emngciphekweni ngakumbi ekugcineni izikhundla zakho ukuba ufuna ngenene ukugcina imali ngokufanelekileyo. Kukhethwa ukuba wenze njalo imisebenzi embalwa ngonyaka, kodwa ezi zikhuselekile. Ngale ndlela, kuya kufuneka unike ingqalelo engakumbi kumgangatho wabo kunakubungakanani babo. Ekugqibeleni, iya kuba sesinye sezitshixo ekufezekiseni iinjongo zakho ozifunayo kunyaka-mali ka-2018.
Impazamo yesibini: ayijongi imikhwa
Ngamanye amaxesha kwenzeka ukuba xa ungena kwimarike yemasheya Awuqapheli nokuba yeyiphi imeko ixabiso elixhonywe kulo. Enye impazamo enkulu kuba imisebenzi yakho iya kugwetyelwa ukusilela kuninzi lwezenzo. Nokuba ithamsanqa alinako ukukunceda ukuze ufumane izibonelelo ezimbalwa ngesi sicwangciso sotyalo-mali. Ngayiphi na imeko, kuyimpazamo ukuba bambalwa abatyali mali abancinci nabaphakathi abanamava athile abawenzayo. Akumangalisi ukuba bayazi ukuba imeko ithathe isigqibo sokuqalisa ukusebenza kuyo nayiphi na intengiso yemali. Ayiphumi kwiingxowa kuphela, kodwa lolona khetho unokufumana. Umzekelo, ezo zinxulunyaniswe nesinyithi esixabisekileyo okanye izinto zokwenza imveliso, phakathi kwezinye zezona zibalulekileyo.
Njengoko uptrend ubhengezwa ngakumbi, uya kuba nethuba elikhulu kakhulu lokuba ungafumana imali ethe kratya kwimisebenzi yakho nganye. Ngelixa ikwindlela eyahlukileyo, oko kukuthi enye ye-bearish, ekuphela kwento oya kuyifumana kukufumana ixabiso. Mhlawumbi ixesha elide kakhulu ukuba yenza kube nzima ukonwabela ukuthengiswa ukujongana nezinye zeendleko eziyimfuneko kuqoqosho lwasekhaya. Njengokuba, umzekelo, ukujongana noxanduva lwakho lwerhafu, ukubhatalela esona sikolo sincinci sabantwana okanye ukwanelisa umnqweno wabathengi bakho.
Impazamo yesithathu: ukungakhethi ixabiso elifanelekileyo
Ngaphandle kokuthetha ukuba ukhetho olugqwesileyo lwezindululo zentengiso yesitokhwe ziya kukunceda ufezekise iinjongo zakho kwiimarike zezabelo. Ewe, kubo, awuyi kukhetha ukuba yintoni i- iprofayile oyivezayo njengomtyalomali omncinci nophakathi. Kuba ngokusekwe kwezi mpawu zibalulekileyo, uya kuba namaxabiso athile ngaphezulu kwezinye. Inketho kwinkampani kwicandelo lombane ayifani nomsebenzisi onochuku kunokuba ibe ngumsebenzisi ophakathi. Phakathi kwezinye izizathu kuba indlela abaziphethe ngayo iya kwahluka kakhulu.
Kananjalo iimeko zokuhlala ziya kubaluleka ngakumbi ekuthatheni isigqibo. Eli nyathelo kungenxa yokuba iya kuba nefuthe kwizikhundla zokuvula ngeendlela ezahlukileyo ngokupheleleyo. Ukuya kwinqanaba lokuba unokumisela ukuba yeyiphi indlela eza kuthathwa yipotifoliyo yakho yotyalo-mali kwiinyanga ezizayo. Ayothusi into yokuba ukuhamba ngokufutshane, ukhuseleko olubonisa ukungazinzi okukhulu kumaxabiso abo kuya kusebenza ngakumbi. Ke ungawusebenzisa umahluko osekwe phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Nokuba kwiseshoni enye yokurhweba, apho imigama efikelela ngaphezulu kwe-5% inokusekwa kwizihlandlo ezininzi.
Impazamo yesine: tyala yonke imali yakho
Enye yezona mpazamo ziqhelekileyo kwimarike yemasheya zivela kutyalo-mali kuyo yonke imali oyifumanayo kolu hlobo lomsebenzi. Impazamo enkulu enokukhokelela kwiimeko ezingathandekiyo kakhulu ukukhusela umdla wakho. Kwaye oko kunokukhokelela ekubeni wenze imisebenzi emibi xa indaleko ngexabiso layo ingathandeki njengoko ubulindele kwasekuqaleni. Usenokuba ukhe walivelela eli nyathelo kwiinyanga nje ezidlulileyo kwaye uza kubona ukuba iziphumo zibe yingozi kangakanani kubhaliso lweakhawunti yakho. Phantse uhlala enombala kwi ilahleko enkulu Oko kunokuchaphazela uhlahlo-lwabiwo mali lomzi okanye ulindelo lwakho lwezemali
Impazamo yesihlanu: i-echo evela kwimithombo ethandabuzekayo
Akukho mpazamo inkulu njengokulandela isigunyaziso semithombo ethile engathandekiyo. Ngale ndlela, awuzukukhetha ngaphandle kokuba ulumke kakhulu malunga noku. Kwaye ukuba kukho imfuneko, kuya kuba yimfuneko ngokupheleleyo ukuba ukhethe kakhulu kuzo. Ayilolize, awungekhe uyilibale loo nto emva kwayo yonke loo nto Yimali yakho ongcakazayo hayi eyabanye. Ziziphoso ekugqibeleni ezenza amanqaku abizayo kakhulu. Apho kukhetha ukuhlala kwimali yokuhlawula amatyala kwaye ulinde ixesha lokuba uthathe isikhundla kwi-asethi efanelekileyo yezemali okanye kukhuseleko.
Impazamo yesithandathu: ibhegi iyasebenza
Kuya kufuneka ubonakalise kwinto ofuna ukuyiphumeza ukusukela ngoku. Kungenxa yokuba akunyanzelekanga ukuba utyale imali oyigcinileyo kwimarike yemasheya. Ewe akunjalo, kuba unoluhlu olubanzi lwezinye iindlela. Kuyo yonke indalo kwaye zilungele iimfuno zakho zokwenyani njengomtyali mali ophakathi nophakathi. Ayisiyiyo kuphela kwii-equity. Kodwa kunye nokulungiswa, apho ungabhalisa khona iidipozithi zexesha, amanqaku ezithembiso zebhanki okanye iiakhawunti ezihlawula kakhulu. Apho umngcipheko uyakuba sezantsi kakhulu kwaye uyakuba nenqanaba lenzala eliqingqiweyo eliqinisekisiweyo minyaka le. Ukufikelela kwinqanaba lokuba ibe sesona sisombululo sisiso sokuhlangabezana neemfuno zakho ukusukela ngoku.
Impazamo yesixhenxe: ukubawa kakhulu
Njengoko kwenzekile kuwe ngaphezulu kwesihlandlo esinye, ukubawa kungakhokelela kwiingxaki ezingaphezu kwesinye kubudlelwane obusoloko bunzima kunye nelizwe lemali. Kuya kufuneka uyazi ukuba leliphi ixesha onokulungisa ngalo izikhundla. Nangona eli nyathelo lithetha ukuba ungaphulukana nenxalenye yecandelo lokukhuthaza ukhuseleko okanye iasethi yezemali. Kukhethwa ukwazi ukuba urhoxe njani ngexesha onokuthi ubambe iziphumo zedowntrend eziza kurhoxisa zonke izibonelelo ezenziwe ngalo mzuzu. Nokuba unokushiya i-euro ezininzi apha endleleni. Konke oku kungakhathalelwanga ixesha apho utyalomali lwakho lujolise khona: mfutshane, liphakathi okanye lide. Kuyakuhlala kulunge ukuzisa imali kwi-akhawunti yakho yokonga kunokuba ungashiyi inxalenye yemali oyibhalayo. Ungalibali ukusukela ngoku.
Impazamo yesibhozo: ukungazi amaxabiso
Le mpazamo nokuba abatyali mali abanamava kwiimarike zezemali banazo. Bengazi ncam ukuba batyala imali phi. Nokuba yimigca yeshishini yeenkampani ezikhethiweyo. Ngeziphumo ezibi kwiziphumo zomsebenzi kwiimeko ezininzi. Awuyi kuba nakho ukubeka ityala nakubani na ngempazamo yakho enkulu, kodwa kukungabikho komdla kwicala lakho. Kwaye oko kunokukukhokelela kwiimeko ezingafunekiyo. Ngokuqinisekileyo la ngamanyathelo aqhelekileyo kubatyali mali abacingelwayo abazama ukwenza ukonga kwabo kunenzuzo ngexesha elifutshane kakhulu.