Alithandabuzeki elokuba utyalomali luya kutshintsha ngokubonakalayo njengoko kusiwa. Esinye sezizathu zokuchaza le meko kukuba i-European Central Bank (ECB) iza kuyeka Ukukhuthaza iimarike zezemali kwaye oku kuya kuqatshelwa kwixabiso lezabelo kwimarike yemasheya. Kuya kufuneka ulinde iinyanga ezimbalwa, kodwa ukubala kuya kuthi kuchaphazele indawo enkulu yabatyali mali abancinci nabaphakathi. Yinto yokuqala eya kuthi ithathelwe ingqalelo kwezi zihlandlo zichanekileyo.
Kwelinye icala, kwaye ngokubhekisele kwizabelo zaseSpain, imiqondiso yokuqala ye yokunciphisa yezoqoqosho lwesizwe. Inyaniso nayo uya kuhamba kwiimarike zezabelo. Ngokusika okubonakalayo kwixabiso lezabelo. Ewe, uphononongo olukhulu olwenzekileyo kule minyaka idlulileyo alusalindelanga. Eli lixesha eliye lehla kwimbali, ubuncinci okomzuzwana. Ngayiphi na imeko, yenye into ekufuneka ithathelwe ingqalelo ngabatyali mali.
Ngenxa yezi zinto zimbini zibalulekileyo zoqoqosho, abasebenzisi bempahla abazukukhetha ngaphandle koku tshintsha icebo lakho ukwenza ukonga kwakho kunenzuzo. Ngamanye amaxesha, ngokwahluka okuncinci kwipotifoliyo yezokhuseleko, kodwa kwezinye, phantsi kotshintsho olukhulu kwicala layo. Ukuze ungahlali ngaphandle komdlalo, akukho enye indlela ngaphandle kokuhlengahlengisa ezi ntshukumo. Ukuze lo msebenzi wenziwe ngokuchanekileyo kunyanzelekile ukuba sikubonelele ngezinye zeeklasi apho iimarike zezemali zinokuhanjiswa khona ukusukela ngoku.
Uza kuba njani lo nyaka kutyalo-mali lwakho?
Isicwangciso-qhinga sokuphucula inzuzo yotyalo-mali sisekwe ekukhetheni amaxabiso alondolozekayo ngakumbi ekwenzakaleni kwezindululo ezinoburharha. Ngale ndlela, uya kuba uyikhusela ngempumelelo impahla yakho yobuqu okanye yosapho. Ukusuka kule meko, enye yezona zimvo zibalaseleyo yenzeka kwiinkampani ezidwelisiweyo ezihambisa izabelo phakathi kwabanini zabelo. Hayi ngelize, i inzala engaguquguqukiyo nonyaka ababonelela ngayo ijikeleze i-5%. Okungaphezulu koku kunikwe ngalo mzuzu ngengeniso esisigxina kwaye kunqabile ukudlula amanqanaba e-1%.
Kwelinye icala, kufuneka sijongane namaxabiso ukusuka amacandelo akhuselekileyo Kwaye banenzuzo enkulu kumashishini abo. Umzekelo ocacileyo wale meko umelwe ziinkampani zombane kunye namashishini ahambelana namandla asisiseko. Ngale ndlela, akukho khetho ngaphandle kokuya kumaxabiso apho ukhuseleko lukhona ngaphezulu kwezinye izinto zobuchwephesha. Nangona esi sicwangciso sinokuthi sinike ingxelo yokuba ukusebenza kwaso kusezantsi kweli xesha silibhekise kulo lotyalo-mali. Kwiimarike zezemali kukho izindululo ezaneleyo zentengiso yemasheya ezihlangabezana nolu phawu lukhethekileyo.
Fumana ezinye iimodeli
Kwezi ntlobo zeemeko, kuhlala kukho ukhetho olunabatyali mali abambalwa kakhulu kwasekuqaleni. Ezi ukubheja zezona zinenzuzo kuzo zonke, nangona kungayi kubakho khetho ngaphandle kokuzifuna ngonyamezelo oluthile. Kuxhomekeke kwindaleko yeemarike zezemali, unokuba yiyo petroleum, ezinye izinyithi ezixabisekileyo okanye ikofu uqobo. Njengoko besitsho kwintengiso yesitokhwe, kuhlala kukho amathuba eshishini nangawona maxesha angafanelekanga kwiimarike zemali. Ewe kunjalo, ilula kwaye yinto ekufuneka ubenayo ngolu hlobo lokuwa sele luqalile.
Kwelinye icala, ukukhangela enye indlela yotyalo-mali kunokuba luncedo ngakumbi kwimidla yakho. Nokuba ku endaweni yokuthatha umngcipheko, ke kuyacetyiswa ukuba ukhethe kwimisebenzi emincinci yentengiso yesitokhwe. Kuba ekupheleni kosuku inzala onokuyifumana inokukubuyekeza ngokugqibeleleyo. Ngaphezulu kokusebenza okukhulu okwenziwe phantsi kwenani eliphezulu kakhulu. Awuyi kuba nanto unokuyenza ngaphandle kokwenza ubalo ukuqinisekisa ukuba kukuphi ukuphambuka ekufuneka ukwenzile kwiakhawunti yakho yokutshekisha.
Yandisa inzuzo yeedipozithi
Esinye sezona ziphumo zichaphazelekayo ukunyuka kwexabiso lemali Kummandla we-euro kuhlala kwinyani yokuba inzuzo yeemveliso eziphambili zokonga inyuka. Ukusukela ngoku ukuya phambili baya kukubonelela ngemali ethe kratya kwi-capital ebekiweyo. Umahluko awuyi kuba mkhulu, kodwa ubuncinci uya kwanela ukukunika into encinci ukusuka kunyaka olandelayo. Ngale ndlela, iidipozithi zexesha lebhanki ziya kuba zezona zixhamlayo ngokunyusa inzala yabo ngesishumi sepesenti. Kwaye njengemveliso ephumeleleyo yale meko eza kuthatha ukuma kolu ukuwa.
Inokuba sisihlandlo sokugcina kancinci kwizikhundla zakho kwaye buyela kwiidipozithi zexesha. Ngokukodwa ukuba bakhatshwa sisibonelelo sobubele kunye nokunyuselwa kwebhanki. Umzekelo, ezo zimiselwe abathengi abatsha bebhanki. Kwelinye icala, awungekhe ulibale ukuba ukusukela ngeli xesha ukuya phambili ukonga kuya kunceda ngaphezulu kotyalo-mali ngokwalo. Ngokuchasene noko kwenzekayo ukuza kuthi ga ngoku. Ewe, ingalixesha lokutshintsha isicwangciso sakho sotyalo-mali kwaye ungahambi njengokuba wawunjalo kude kube ngoku. Kuba ekupheleni kosuku yintoni malunga nokwenza imali inzuzo. Akukho nto ingako, akukho nto ingaphantsi.
Thatha ithuba lokuhla kwamaxabiso
Enye inkqubo yotyalo-mali isekwe ekufumaneni i- mathuba o shishino kodwa kwiimarike zesitokhwe ngokwazo. Nangona kubonakala kungaqhelekanga kwaye mhlawumbi nomyalezo ophikisanayo ngokucacileyo. Ewe, le meko iya kukubangela ukuba ukulungele ngokupheleleyo ukuthenga izabelo zokhuseleko ngexabiso eliphantsi kakhulu. Ngenxa yalo msebenzi, akukho mathandabuzo ukuba inzuzo yokusebenza kwemarike yesitokhwe iya kuba phezulu kakhulu kunangoku. Mhlawumbi kule nkampani idwelisiweyo oyithandayo kakhulu, kodwa khange uthathe isigqibo sokuthenga kuba ucinga ukuba amaxabiso abo aphezulu kakhulu.
Nangona kunjalo, esi sicwangciso sotyalo-mali sinemiba engathandekiyo kwaye kukuba awukwazi ukuyiphumeza ngexesha elifutshane. Ukuba akunjalo, ngokuchaseneyo, yenzelwe ukuba ixesha elide lokuhlala kwaye ngokubanzi kungcamlo lwabasebenzisi abalondolozayo okanye bendabuko. Ngale ndlela, inokuchazwa njengethuba elitsha elinikezelwa ziimarike zezemali ukuze ubuyele kwilizwe lezabelo ngokubanzi.
Iimveliso eziguqukayo zekhontrakthi
Nangona ngendlela encinci, ikwasisihlandlo esikhethekileyo ukubuyela kwiimveliso eziguqukayo. Oko kukuthi, abo bavelisa inzuzo yabo kwiintshukumo ze-bearish zeemarike zezemali. Ngemivuzo enokuba nesisa ngakumbi ukuba le meko ihlangatyeziwe. Kodwa nakwiindleko zokuthatha umngcipheko omkhulu ekusebenzeni ngenxa ye- ukuntsokotha kwezi ntshukumo. Kuba ukuba azithandeki, kuyinyani ukuba ungashiya ezininzi, mhlawumbi ezigqithileyo, kwi-euros kwimisebenzi nganye elawulwa lolu phawu lukhethekileyo kubatyali mali abathile.
Kwelinye icala, yenziwa njengesicwangciso esikhethekileyo sokuzikhusela kwizikhundla ezivulekileyo kwiimarike ze-equity. Kuba, ewe, iya kunceda ilahleko kwimarike yemasheya azibhengezwanga kangako njengokuwa esikuqalileyo. Ngelixa enye yeempawu zayo ezifanelekileyo ihlala kwinto yokuba iimveliso eziguqulweyo zivumeleke kakhulu kutshintsho lomjikelo nangaphezulu kolunye ukhetho kutyalo mali oluthile.
Ukumisela ngokusesikweni iimveliso zexesha elifutshane
Njengesicwangciso sokugqibela sotyalo-mali, ukuqeshwa kweemodeli zotyalo-mali ezixhomekeke kwiimeko ezintsha zeemarike zezemali. Zixeshana elifutshane kodwa ngokuqinisekileyo zilungile ukwenza imali ukonga phantsi kobuchule obukhulu kuzo zonke iindawo zokujonga. Nangona kunjalo, le modeli yotyalo-mali igcinelwe ezona profayile zotyalo-mali zinobungozi onokubeka emngciphekweni kwizikhundla zabo. Ukuba le yimeko yakho, ungathandabuzi, kuba inzala onokuyifumana ingaphaya kokuthelekelela, nangona uthatha ubungozi obuninzi kunezinye izikhundla ezamkelekileyo kuninzi lwabasebenzisi.
Ukusuka kwezi modeli zotyalo-mali kulula kakhulu ukufezekisa ezona njongo zakho ziphambili, kodwa ngaphandle kwamathandabuzo akusayi kubakho khetho ngaphandle kokukhulisa ukulandelela okuthe kratya kotyalo-mali. Kwimeko apho nangaliphi na ixesha kuya kufuneka uhlengahlengise izikhundla ukunqanda ilahleko ebalulekileyo kwikomkhulu elityaliweyo. Ayilolize, yimeko ekufuneka uyilindele kunye nekhontrakthi yolu hlobo lweemveliso zemali. Kuba kuyinyani ukuba unokufumana imali eninzi, kodwa ngesizathu esifanayo, shiya i-euro egqithisileyo endleleni. Ukuza kuthi ga kwinqanaba lokuba ingengabo bonke abatyali mali abanokumelana nale meko inzima ngakumbi enokuthi iboniswe kuwe nangaliphi na ixesha. Kungenxa yokuba eyona nto iphambili ekubalulekeni kolu didi lweemveliso ezilungiselelwe utyalo-mali.