Ngaba ngunyaka olungileyo wokutyala imali kwiibhondi?

ibhonasi

Ayilotyalo-mali lokonga kuphela elinokuthunyelwa kwizabelo. Nazi ezinye iimveliso zemali enokuthi yamkele imisebenzi yakho kwiimarike. Iyaziwa phakathi kwazo iibhondi, phakathi kwezinye iiasethi zemali. Banokuba sisizwe okanye babambisane okanye nangaphakathi kutyalo-mali lwesizwe, iibhondi zoluntu oluzimeleyo, eyaziwa ngokuba kukuthanda izwe. Ngayiphi na imeko, inokuba yenye indlela yotyalo-mali kulo nyaka eza kuqala.

Kodwa omnye wemibuzo oya kuzibuza wona ngalo mzuzu ungqalileyo nokuba lixesha elifanelekileyo lokukhetha iibhonasi. Nokuba yeyiphi na imeko kunye neemeko zesivumelwano. Ewe, yonke into ibonakala ngathi ayiloxesha lifanelekileyo lokuvula izikhundla kule mveliso yemali yokufaneleka okukhethekileyo. Kuthotho lwezizathu esiza kuchaza apha ngezantsi. Ngale ndlela, unazo zonke izitshixo malunga nokuba nokuba kulungile kuwe okanye awuyirhumi kwimeko yangoku apho uqoqosho lwamanye amazwe lukhula.

Ngayiphi na imeko, kuya kufuneka uyazi ukuba ukubeka wena kwiibhondi kukungena kwingeniso emiselweyo. Ngazo zonke iimpawu ezibandakanya olu hlobo lotyalo-mali, ukuza kuthi ga ngoku kuthandwa kakhulu ngabona baprofayili abalondolozayo. Ngenzuzo enokwahluka ngokuxhomekeka kwizinto ezininzi eziguqukayo kuqoqosho: ukunyuka kwamaxabiso, ukukhula koqoqosho, ityala, njl. Kude kube ziinyanga ezimbalwa ezidlulileyo Umndilili wonyaka wenzuzo malunga neepesenti ezi-4. Nangona umahluko wabo uxhomekeke kuhlobo lweebhondi oziqeshileyo.

Iibhondi: Uthini abahlalutyi?

Iingcali kwiimarike zezemali azinamdla wokukhulisa olu tyalomali kwezi nyanga zimbalwa zizayo. Ukuya kwinqanaba lokuba ezinye zazo zichaphazele ukuba lentengiso inakho ube yinto yebhola kwenxalenye yengeniso esisigxina. Ngomngcipheko obaluleke kakhulu kubo bonke abatyali mali abancinci nabaphakathi ababekwe kule asethi ibalulekileyo yezemali. Ukuba bekunjalo, ungathandabuzi ukuba ungaphulukana nenxalenye ebaluleke kakhulu yolondolozo lwakho.

Kwiimeko ezikhoyo ngoku, izindululo zabahlalutyi bezemali zihamba kunye nomgca wokulahleka okungaphezulu kokufumana. Ukuza kuthi ga kwinqanaba lokuba banakho ukutyala imali yakho kwiimarike ze-equity. Ngophononongo olubaluleke ngakumbi olunokubakho ngo-2017. okuninzi kuya kuxhomekeka kwiibhondi ozibhalisileyo. Ayothusi into yokuba inyambalala yaseJamani ayifani nezinto ezinje ngeGrisi, iSpain, i-Italiya okanye iPortugal, phakathi kwabanye.

Enye into ekufuneka uyithathele ingqalelo ukusukela ngoku kukuba nayiphi na inzuzo eyenziweyo kwiminyaka edlulileyo akufuneki iphindwe kunyaka we-2017. Kunjalo, njengoko uza kubona kweli nqaku. Yonke into ibonakala ijolise ekubeni ukhethe ezinye iindlela zokutyala imali. Ezinye zazo zikhuseleke ngakumbi ukuze ukwazi ukuzikhusela ngokufanelekileyo iiasethi zakho.

Buyela kwimeko yokunyuka kwamaxabiso?

ukunyuka kwamaxabiso

Esinye seziganeko ezimbi kakhulu zokufumana ikhontrakthi yeebhondi kukuba ukunyuka kwamaxabiso kuyavela kumazwe aphambili amazwe. Ziliqela izizathu onokuziqonda apha ngezantsi. Emva kwe- ixesha elide lokuhlahlelaNgaba siyakubona ukubuya kwamaxabiso kuqoqosho lwehlabathi? Izikhombisi zesi salathisi se-macroeconomic zibonakala ziqinisekisa le meko iyingozi. Ubuncinci iyakhula kwizizwe ezinokubaluleka okukhulu njenge-United Kingdom, i-United States ne-Jamani.

Ngokubhekisele e-United States, kufanele ukuba iqatshelwe ukuba iziphumo zonyulo lobongameli e-US zitolikwe ziimarike zezemali njengexabiso elitsha lokunyuka kwamaxabiso kubatyali mali. Inkqubo kaMongameli-inyule uDonald Trump ihamba ngale ndlela. Kunye Ukwanda okuphawulekayo kwinkcitho yoluntu, njengenye yeefomula zakhe zokuvuselela uqoqosho lwaseNyakatho Melika. Yonke impawu yendlela yokunyuka kwamaxabiso enokufikelela kwelinye icala leAtlantic njengalo nyaka mtsha.

Imeko yemarike yeBond

Umzuzu wokuboniswa kwezi mveliso yenye yexabiso elingaphezulu kokuchaphazeleka. Abayi kuvelisa imbuyekezo efanayo kulondolozo njengangaphambili. Ude ube semngciphekweni wokuba uye kumanqanaba amabi. Okanye njengokuba abanye abahlalutyi beemarike abakhokelayo besithi wagqabhuka umbhobho owoyikekayo yengeniso esisigxina. Kwaye ngokukodwa kwiibhondi zikarhulumente. Yenye into ekufuneka uyinikezele ukuqinisekisa ukonga kwakho. Ubuncinci njengenye yezinto ezinokubakho kulo nyaka unzima kwihlabathi lemali.

Ngokubhekisele kwiibhondi ezihlanganisiweyo, kwixeshana nje elincinci kunokuba ngumdla wokuziqesha. Soloko uphantsi kolawulo oluphezulu kwizikhundla zakho. Ayothusi into yokuba kukho iindlela zokuphuhlisa Amathuba angcono kwiimarike ezinzileyo zehlabathi. Ngayiphi na imeko, ngaphandle kokuphulukana nembono yokunciphisa umngcipheko. Ngezinye iindlela zotyalo-mali ezinomdla kunabanye. Zizo ezo kufuneka ukhethe kuzo ukusuka ngenyanga kaJanuwari.

Kuya kufuneka ukhumbule ukuba ibhondi yaseJamani inokusebenza njengendawo ekhuselekileyo ngamaxesha amabi ka-2017. Ukuthatha ithuba kule meko ikhethekileyo, awuzukukhetha yenza umngxunya kwiphothifoliyo yakho yotyalo-mali Olu hlobo lotyalo-mali lubonakala kwiiprofayili zabatyali mali abancinci nabaphakathi. Ngaphezulu kwebhondi yase-US, eya kuba yenye yezo kufuneka ziphucule kwiimarike zezemali. Nangona ukunyuka kwezinga kunye nemigaqo-nkqubo yezoqoqosho kaDonald Trump inokulimaza ezi njongo.

Unokwenza njani ngeebhonasi?

Ukuphuhlisa ukusebenza kwakho uneendlela ezahlukeneyo ezinokuthi zisebenze kakhulu ukwenza ukonga kwakho kunenzuzo ukusukela ngoku. Okokuqala, kuya kuba yimfuneko kakhulu ukuba uyisebenzise ngoqeqesho olukhulu. Ukuze ii-alamu zingahambi xa kujongwa imeko yeemarike zezemali. Ngokusisiseko baya kuvela kwezi ntshukumo kuya kufuneka uzenze ukuze ufezekise iinjongo ngendlela efanelekileyo.

  • Kufuneka uthabathe amanyathelo isilumkiso esikhulu ngenxa yeempawu ezimbi ezikhoyo kule marike yengeniso esisigxina. Ngaphandle kokuziveza ngokungaphezulu kwimirhumo yezoqoqosho oyenzayo kwiindawo ezivulekileyo.
  • Ungadibanisa olu tyalo-mali kunye nezinye iiasethi zemali kwi khusela imali oyigcinileyo. Imveliso ebonakalisa kakuhle le meko ziimali zotyalo-mali ezisekwe kulo naluphi na uhlobo lweebhondi.
  • Musa ukuya kumaxesha amade kakhulu okuhlala, kodwa ngokuchaseneyo mfutshane ngcono. Ngaphakathi kwemeko yendalo kolu didi lweemveliso zemali. Uya kuziphepha iimeko ezimbi ezinokuvela kulo nyaka.
  • Nangona izakuhamba kancinci, ukuqiniswa kwemali kwiFederal Reserve akuyenzi imvelaphi ethandekayo yomeleleyo Inkuthazo yohlahlo lwabiwo-mali kulindeleke ngokufika kukamongameli omtsha waseMelika, uDonald Trump.

Izibophelelo zokuthanda izwe kakhulu

izibophelelo zengingqi

Unayo enye indlela yoqobo onokuyenza ukuba isebenze kulo nyaka mtsha uza kuziswa. Konke malunga neebhonasi ukusuka kwiindawo ezizimeleyo kwaye oko kwaziwa njengezibophelelo zokuthanda izwe. Banikwa imimandla enje ngeendawo zaseMadrid, eCatalonia, eGalicia, kwiLizwe laseBasque, eMurcia naseNavarra, phakathi kwabanye abaninzi. Kodwa zilawulwa ziimpawu ezichazwe kakuhle kwaye kubalulekile ukuba uyazi. Ayikho enye injongo ngaphandle kokuziqesha, ukuba le yiminqweno yakho kwilizwe lemali.

Inzuzo ebonelelwa zezi mveliso zamatyala oluntu yengingqi yahluka kakhulu, kuxhomekeke ekubeni ngoobani abakhupha ezi zinto zoqobo kwaye kwangaxeshanye iibhondi ezingaziwayo. Bajikeleza phakathi kokubuya phakathi kwe-1% kunye ne-6%. Kwiimeko ezininzi, bavelisa inzala ephezulu kunakwityala lesiqhelo eluntwini. Kodwa endaweni yokuveza umngcipheko omkhulu. Kungenxa yokuba eneneni, ukuba ezi mveliso zibonakaliswa yinto ethile, kungenxa yokuba zifuna uzinzo olukhulu. Ukuya kuthi ga kwinqanaba lokuba abo bakhuphileyo abanako ukuhlangabezana nexesha labo elimisiweyo.

Njengoko umngcipheko unyuka, inzuzo nayo inyuka ngokulinganayo. Yintlawulo erhafelwayo ekufuneka uyicinge ukuba ukwimeko yokufumana ikhontrakthi kuyo nayiphi na kwezi bhondi zikhethekileyo. Kungako kunjalo azikhuthazwa kakhulu ziiarhente eziphambili zezemali. Zibhalisiwe kwiimarike ezizezinye kwaye zinokukhokelela ekuphulukaneni nenxalenye yeeasethi zakho kwezona meko zintle kakhulu ezinokuthi ziboniswe zezi mveliso zemali.

Izigqibo kwiibhondi

Okwangoku ayisosinye sezona zindululo zivumayo zokukhusela umdla wakho njengabagcini abancinci onabo. Ukubonelela ngokungalunganga ngakumbi kunezibonelelo. Ngethemba elincinci lokuxabisa kunangaphambili. Ngoku lukhetho kuphela lokurhuma ngamanye amaxesha. Kodwa akukho nto ingaphaya kwesi sicwangciso. Emngciphekweni wokuba imisebenzi ayihambi njengoko unqwenela. Unezinye iindlela ezinenzuzo ngakumbi, ngakumbi ezo zifunyenwe kwiimarike zezabelo.

Uninzi lwezindululo azihlawuli kubhaliso lweebhondi ezininzi. Nokuba yeyiphi na indalo kunye nemigaqo esisigxina abaya kuyo. Uluhlu oluqala kunyaka omnye ukuya kwemihlanu. Nangona ngokuchaseneyo, ungazibeka ngokusesikweni kwixabiso elifikelelekayo kumakhaya amaninzi. Ngokuqhelekileyo ukusuka kwi-euro ezingama-1.000 XNUMX nganye. Ngokuhlawulwa komdla wakho xa kufanelekile. Njengakuninzi lweemveliso ezinxulunyaniswe nengeniso esisigxina.


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