Ungayifumana njani imbuyekezo eyi-3% kutyalo-mali lwakho?

Ewe ukubuya okungaguqukiyo okujikeleze iipesenti ezi-3 kuye kwaba yingxaki kubatyali mali abancinci nabaphakathi. Kungenxa yokuba ngeli xesha ukubuya okungaguquguqukiyo kunye nokuqinisekisiweyo kwimali eseleyo sele kunyamalale kurhwebo lwemali lukazwelonke. Ayifani ngamanye amaxesha xa i Iipesenti ezi-3, ezi-4% okanye ezi-5% kwaye ngale ndlela kuyila utshintsho oluzinzileyo lokonga ixesha eliphakathi nelide. Ngale ndlela, kunokuthiwa imeko itshintshile ngokubhekisele kwamanye amaxesha ekudala ulibale.

Ngoku, ukuphucula inzuzo kwiimveliso zezemali, akukho gumbi lezixhobo zingaphezulu kokubeka emngciphekweni izikhundla, ngokubanzi ngeemveliso ezisekwe kwiimarike zezabelo. Ngelixa ingeniso esisigxina icinyiwe ngokupheleleyo njengesiphumo semilinganiselo yemali ngu KwiBhanki ePhambili yeYurophu. Kwaye oko kukhokelele kwixabiso lemali ekubeni lilize kwaye nangokubuyela okungalunganga kulo naluphi na uhlobo lwesicwangciso-mali. Akusekho kunokwenzeka ukwenza utshintshiselwano lokonga olukhula kancinci kancinci kwaye oku kubunzima kwizigqibo eziza kufuneka zenziwe ngabatyali zimali abancinci nabaphakathi.

Kule meko ngokubanzi, siza kukunika iingcebiso ezinokuba luncedo kakhulu ekufezekiseni imbuyekezo kulondolozo lweepesenti ezi-3 ukusukela ngoku. Ewe ayizukuba ngumsebenzi olula ukuyenza, kodwa ubuncinci kuya kulunga ukuyenza xa kungekho sistim sezemali kukuthintela ekuqhubeni ezinye iindlela zezicwangciso kwicandelo lotyalo-mali. Ngayiphi na imeko, asikho esinye isisombululo ngaphandle kokuba nezinto ezintsha kwindlela yokusondela ekusebenzeni ukusukela ngoku.

3% buyela: iimali

Enye yeendlela ezikhoyo ezifumanekayo kubatyali mali ukuhlangabezana nolindelo zizinto ezenziwe ngengxowa mali yotyalo mali. Yimveliso, nangona iyehla, isavumela ukuba sifumane imbuyekezo esezantsi enokubangela umdla kakhulu kwingxelo yethu yengeniso ekupheleni konyaka ngamnye. Ngale ndlela, imali yotyalo mali ibhaliswe ngo-Okthobha 2019 a ukubuya okuhle nge-0,12%Ke ngoko, inzuzo eqokelelweyo ukuya kuthi ga ku-Okthobha ifikelela kwi-5,7%. Kukuqinisekiswa enye yeendlela ezinokuthathwa ukufezekisa obu buncinci bokubuyisa kutyalo mali.

Kufuneka kuqatshelwe ukuba iimali zengeniso esisigxina zinayo kurekhodwe imbuyekezo engeyiyo ngo-Okthobha, ngokuqina kancinci kwimali yexesha elide (-0,2% yexesha elide imali esisigxina kunye -0,3% imali eqinisekisiweyo, yona leyo inomdla kuthi), ngokweedatha zamva nje ezinikezwe nguMbutho wamaZiko oTyalo-mali aHlanganisiweyo kunye Ingxowa mali yomhlala phantsi (Inverco). Apho kuboniswa ukuba utyalomali oluhlangeneyo (iiNgxowa-mali kunye neeNkampani) lufumene ukukhula kwe-735 yezigidi zeerandi ngo-Okthobha kwaye wema kuma-490.256 ezigidi, emele ukwanda kwe-0,15% xa kuthelekiswa noSeptemba.

IziBophelelo eziPhezulu

Yenye yeendlela ekufuneka sizifezekisile ezi zincinci zonxibelelwano sithetha ngazo. Nangona umngcipheko ofihlakeleyo ume ngaphandle xa kuthelekiswa nezinye iimveliso zezezimali. Kufuneka iqatshelwe into yokuba utyalomali kwizibophelelo zesivuno esikhulu, esaziwa ngcono njengesivuno esikhulu, unika isigqebhezana esiphakamileyo, kude kube lelo xesha ukugqabhuka kwenzeka kwaye kulapho sinokuthi siphulukane nenxalenye elungileyo yemali etyalwe kule modeli yotyalo-mali olukhethekileyo. Ungathetha ngokutyala imali kwiibhondi ezivela kumazwe asakhasayo, kodwa xa kufikwa kutyalomali kwiibhondi zezi mpawu kufuneka ukhethe kakhulu kuba ayizizo zonke ezinokuziphatha okufanayo. Ukuba akunjalo, ngokuchaseneyo, kukho ukwahluka okuqinileyo phakathi kwabo bonke kwaye akukhathaleki nokuba liphezulu kangakanani ikhuphoni.

Kule ndlela kufuneka ucetyiswe kakuhle kuba nangona inzuzo ebonisiweyo inokugqunywa, kuyinyani ukuba ungashiya i-euro eninzi apha endleleni. Kuba ingeniso esisigxina ayidluli kwelona xesha lilungileyo kwaye inobungozi ngakumbi kunamanye amaxesha. Ngayiphi na imeko, yenye yeendlela ezimbalwa onazo ukuze ubenakho ukubuya nge-3%, oko kukuthi, emva kwayo yonke loo nto, yintoni ebandakanyekileyo kule meko yotyalo-mali. Ukuze ngale ndlela, sikwazi ukuhlangabezana nolindelo lwethu ngaphandle kokubhenela kwiimarike zezabelo, kokubini kuzwelonke nangaphandle kwemida yethu.

Izixhobo ezinqabisekileyo zesahlulo

Izabelo ziya kuhlala zisisixhobo esishiyekileyo sokwenza utshintsho oluzinzileyo lokonga ixesha eliphakathi nelide. Ukusuka kolu luvo sinokubanakho ukuba ne isivuno esingaphezulu kwe-3% ngentlawulo emiselweyo neqinisekisiweyo minyaka le. Phantse iipesenti ezingama-80 zeenkampani ezidweliswe kwi-Ibex 35 zenza ukuhanjiswa kwezi mpawu kwaye nantoni na eyenzekayo kwiimarike zezemali. Ukongeza, kungenxa yesibonelelo esasasazwa zezi nkampani zidwelisiweyo. Ukusuka kwicandelo lebhanki ukuya kwiinkampani zombane, ngokusebenzisa iinkampani zokwakha.

I-avareji yonyaka yokwahlulahlula iinkampani ezidweliswe kwiimarike ze-equity inikezela ngembuyekezo ehambayo ukusuka kwi-2% ukuya kwi-9%. Ngamanye amagama, ngesi sicwangciso sotyalo-mali siyaziqinisekisa ukuba sinemali ekhuselekileyo ngokupheleleyo enokusombulula iingxaki zethu zokuhlawula amatyala kwiinyanga ezizayo. Ukuhlangabezana nenkcitho ye-accounting yosapho lwethu, ukuhlawula irhafu, isikolo sabantwana okanye ukuhlawula ityala phambi komntu wesithathu. Ngokubanzi, ngezavenge ezibini ezilawulayo ezithi zonyaka, ehlotyeni nasebusika. Ngelixa kwelinye icala, kunokuba nonyango olungcono lwerhafu kunezinye iimveliso zemali.

Iirhafu zokwazisa

Esinye sezisombululo ezinamandla ngakumbi okanye zokuzikhusela senziwa ngezigqibo zebhanki zexesha elimisiweyo ezivela kunyuselo ngamaziko emboleko. Le kuphela kwendlela ekunokuthi kuphuculwe umda wolamlo phakathi kwezi mveliso zokonga. Ukuya kwinqanaba lokufikelela kwinzuzo ephezulu yokujikeleza i-3% kunye nakweyiphi na indlela yokwazisa ephehlelelwe ziibhanki. Ngayiphi na imeko, ukubuyela umva kwesi sicwangciso sorhwebo kukuba ixesha ledipozithi lifutshane kakhulu. Malunga neenyanga ezi-3 okanye ezi-6 apho umvuzo uphezulu kuneerhafu zesintu.

Ngelixa kwelinye icala, asinakulibala ukuba ezi zibonelelo azikho. Ukuba akunjalo, ngokuchaseneyo, zizindululo ezithile ezivela manqaphanqapha minyaka le. Kwaye ngamanye amaxesha kuye kufuneke ukuba ukusetyenziswa kwayo kungabikho kulo lonke ulondolozo, ukuba akukho nxalenye incinci kubo. Ukuza kuthi ga kwinqanaba lokuvavanya ekugqibeleni ukuba ayisiyonto inenzuzo ukuba ibhaliswe ukusukela ngoku ukusukela esiphelweni sosuku inzuzo ingenzeka ukuba ibuthathaka kakhulu. Ngesidingo sokwenza ezinye iimveliso zibe sesikweni ekugqibeleni ziphucule intsalela yeakhawunti yethu yokonga, yiyo le nto malunga nezi meko ziqhelekileyo.

Isicwangciso sokonga esizimeleyo

Indawo yokugqibela sihlala siqesha isicwangciso sokonga somntu ngamnye esiphuculisa ingxelo yethu yengeniso. Abakho kunikezelo lwawo onke amaziko ezemali, kodwa ubuncinci singazama ukusukela ngoku. Kungenxa yokuba yindlela elula kakhulu yokoyisa Amanqanaba angama-2% kwimida yolamlo. Ngaphandle kwesidingo sokuhlangabezana nayo nayiphi na imfuneko evela kwiibhanki kwaye le yinto enokuthi izuze umdla wabasindisi abancinci nabaphakathi. Phakathi kwezinye izizathu kuba azidingi xesha lisisigxina kwaye zikhululwe kwiikomishini nakwezinye iindleko kulawulo lwazo okanye kulondolozo.

Ngayiphi na imeko yeemveliso ekufuneka kuthethathethwane ngazo ngqo neziko lekhredithi. Kwaye ukusuka kolu luvo, ngabathengi abakhethiweyo abanayo eyona nto ukuze isicelo sabo samkelwe. Ukuza kuthi ga kwinqanaba lokuba inzala esetyenzisiweyo kwezi zicwangciso zokonga nazo kungathethathethwana ngazo ngaphakathi kuluhlu olwasekwa ngaphambili kwiimeko zekhontrakthi. Ukuze ekupheleni kosuku ube nokhuselo olukhulu malunga nokusebenza kwayo kwiimarike.

Ngesithembiso esisasazekayo kwaye nakweyiphi na imeko ayinakuthengwa kwezinye iimveliso zebhanki, njengakwimeko ethile yeedipozithi zexesha elimisiweyo ezicace gca kwisicelo sabo sokwamkela abathengi. Ukusukela ekuqaleni kwaye ngaphandle kwemeko zayo zitshintshwa nangaliphi na ixesha. Ngesidingo sokwenza ezinye iimveliso zibe sesikweni ekugqibeleni ziphucule intsalela yeakhawunti yethu yokonga, yiyo le nto malunga nezi meko ziqhelekileyo.


Yiba ngowokuqala ukuphawula

Shiya uluvo lwakho

Idilesi yakho ye email aziyi kupapashwa. ezidingekayo ziphawulwe *

*

*

  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.