Alithandabuzeki elokuba ingxelo yesi sihloko yenye yeenjongo zenxalenye elungileyo yabatyali mali abancinci nabaphakathi. Ngexesha apho iimveliso ezahlukeneyo zengeniso esisigxina zigqithe nge-1% kwimbuyekezo abayinikela kulondolozo. Ngenxa yexabiso eliphantsi lemali ngu KwiBhanki ePhambili yeYurophu (BCE) kwaye oko kwenziwe ukusukela kwiminyaka yokuqala yeshumi leminyaka. Ukuya kwinqanaba lokuba inzala ikwelona nqanaba lisezantsi kule minyaka idlulileyo nakwimeko esembindini.
Ngelixa kwelinye icala, iimarike zamashishini ezingenanzuzo zingahambi kwelona xesha lilungileyo. Ukujongana nokungaqiniseki kwindlela yeemarike zezemali kwaye ezikhokelele kwisalathiso esikhethiweyo sentengiso yesitokhwe yaseSpain, i-Ibex 35, 13 yehlisiwe kunyaka ophelile. Ngeemida ezifanayo ezimbi njengakwezinye iimarike zentengiso zamanye amazwe. Ngoloyiko olucacileyo kwicala labatyali mali lokuba bangaphulukana nenxalenye yemali etyalwe kolu hlobo lokusebenza.
Ujongene nale meko ngokubanzi, enye yeenjongo zabo nabaphi na abatyali zimali abancinci nabaphakathi ihlala kwindawo yokuqinisekisa a ukusebenza okuzinzileyo nokuqinisekisiweyo qho ngonyaka. Ngokuqinisekileyo ayisosicwangciso silula sokufaka isicelo, kodwa siza kuququzelela lo msebenzi ngothotho lweemveliso ezihlangabezana nale mfuno. Oko kukuthi, ufumane ubuncinci i-3% yolondolozo lwakho ukuya kwiakhawunti yakho yokutshekisha. Nantoni na eyenzekayo kwiimarike ze-equity kunye nakwiindawo ezizinzileyo. Iya kuba yenye yeendlela onokuzisebenzisa ukusukela ngoku ukuya phambili.
Ukonga kuxhomekeke kumaxabiso
Phambi kokuba ndikubonise uthotho lwezimvo ukwenza esi sicwangciso sotyalo mali, kuya kufuneka uyazi ukuba le nyathelo inxulumene ngokucacileyo nokunyuka kwexabiso ebomini. Ngale ndlela, inqanaba lokwahluka konyaka le-CPI Ngenyanga kaJanuwari yi-1,0%, isibini kwishumi elisezantsi kunaleso sasibhalisile kwinyanga ephelileyo, ngokweedatha ebonelelwe liZiko lezeNkcukacha-manani leSizwe (INE). Apho kuboniswa ukuba izinga lonyaka lokunyuka kwamaxabiso eliphantsi lehla ngesishumi esinye, ukuya kwi-0,8%.
Ngelixa ngokuchaseneyo, umahluko wenyanga kwisalathiso ngokubanzi kwesi sihlandlo sihlalutyiweyo -1,3%. Kwelinye icala, i Isalathiso sexabiso samaxabiso abaThengiweyo (IPCA) ibeka ireyithi yayo yonyaka kwi-1,0%, eyehlayo isibini kwishumi xa kuthelekiswa noDisemba wonyaka ophelileyo. Ngale datha, kunokuthiwa ukunyuka kwamaxabiso eSpain kulawulwa ngakumbi okanye kungaphantsi, kufuneka kuthathelwe ingqalelo ukucwangcisa esi sicwangciso sotyalo-mali esiza kuphakamisa ukusukela ngoku. Eyona njongo iphambili yokuba amandla akho okuthenga ahlala ehleli kunye nembuyekezo oyifumanayo kwezi mveliso zezemali esiza kuphakamisa.
Izabelo ezingaphezulu kwe-3%
Le iya kuba yeyona ndlela ilula yokufezekisa esi sicwangciso sikhethekileyo. Unelungelo elikhulu lokuba awuyi kuba neengxaki ezinkulu ukufezekisa le njongo inqwenelekayo. Akumangalisi ukuba uninzi lweenkampani ezidwelisiweyo ezisasaza izabelo phakathi kwabanini zabelo zigqithise kulomda wolamlo. Ngamanye amaxesha kusondele kakhulu kwi amanqanaba abekwe kwi-10%. Njengakwimeko ekhethekileyo yeendlela ezimbini zikamabonwakude, iAtresmedia neMediaset. Umvuzo oza kuwufumana nokuba kwenzeka ntoni kwiimarike zezabelo.
Ngelixa ngokuchaseneyo, ezi zahlulo ziya kukunceda wenze ibhegi yolondolozo oluzinzileyo kule minyaka imbalwa izayo. Ngokwenza okuphezulu kakhulu kunoko kunikezelwa ziimveliso zebhanki eziphambili. Phakathi kwazo kugqame iidipozithi zexesha elimiselweyo, amanqaku ezithembiso zenkampani okanye iiakhawunti ezihlawula kakhulu. Kuzo zonke iimeko, kunqabile ukuba bakunike into engaphezulu kwe-1% kwezi zihlandlo zichanekileyo zezizathu ezichazwe ngaphambili kweli nqaku. Esi sisizathu esingaphezulu kokucacileyo sokukhetha izabelo njengefomula yokwandisa iiasethi zakho zobuqu okanye zosapho, oko kukuthi, emva kwayo yonke loo nto, imalunga nantoni na.
Iimali eziqinisekisiweyo
Le mveliso yemali inokubonelela phakathi kwe-3% kunye ne-5% imbuyekezo kulondolozo olufakwe kule modeli yolondolozo. Iimali eziqinisekisiweyo zotyalo-mali, njengoko igama lisitsho, ezo ziqinisekiso, ziphelele okanye ngokuyinxenye, imali eyityaliweyo, kunye nommiselo ophakathi omiselweyo omiselweyo kangangexesha elithile. Kodwa hayi ngemida yesisa kunaleyo ibekiweyo kwi-5%. Kananjalo ngaphandle komngcipheko kwimali yakho ngenxa yeempawu ezizodwa zale mveliso ibalulekileyo ijolise kutyalo-mali.
Kwelinye icala, ukuba ukhetha esi sicwangciso-mali, kuya kufuneka ulumke kakhulu kwingxowa mali oyikhethayo kula maxesha achanekileyo. Isizathu esibaluleke kakhulu, kwaye loo nto kukuba kukho imali eqinisekisiweyo nkqu ne-1,50% malunga nenzala eya kwiakhawunti yakho yokonga. Ke ngoko, awuzukukhetha ngaphandle kokukhetha ngakumbi kunangaphambili kule klasi yeemveliso zezemali. Kuba awungekhe ulibale ukuba isithembiso sabo sehle kakhulu kule minyaka idlulileyo ngenxa yesimo sokwenyani seemarike zezemali, zombini zinxulunyaniswa nezabelo kunye nengeniso esisigxina.
Iidipozithi zokwazisa nge-5%
Nangona kubonakala kungakholeki kuwe ngalo mzuzu ungarhuma Irhafu yebhanki kwezi mpawu. Kodwa phantsi kweemfuno ezizodwa kwaye kufuneka uhoye ukusukela ngoku. Kuba ngokwenyani, olu didi lwexesha lokufakwa kwemali luya kuxhomekeka kwimali ebhatalwa ngqo okanye kwingeniso eqhelekileyo kwimeko yabasebenzi abaziqeshileyo ngeakhawunti yolu hlobo ebhankini oluthengisa le mveliso inye. Kwizona zindululo zezemali, bakunika ukuya kuthi ga kwiipesenti ezintlanu. Ngokuhlawulwa okuzinzileyo nokuqinisekisiweyo minyaka le.
Kodwa ayisiyiyo yonke igolide ebengezelayo ngeepesenti ezi-5 zentengiso. Kuba basebenza kuphela ixesha elincinci, malunga neenyanga ezi-3 okanye ezi-6. Kwaye icandelo kwicandelo lokonga likhawulelwe kakhulu. Kuba ngekhe ubenakho ukuhlawula isixa esikhulu semali, kodwa ngokuchaseneyo, baya kufikelela kuphela ubuninzi be-10.000 okanye i-15.000 ye-euro ngomnini ngamnye kunye nediphozithi. Kodwa ubuncinci kuya kukunceda woyise umda wenzala ebuthathaka onokuyifumana ngalo mzuzu.
Ingxowa mali yotyalo mali
Enye into onokuyenza okwangoku ukudlula kwi-3% ngonyaka kukusebenzisa imali yotyalo-mali isiseko sezabelo eyahlulahlulahlulahlula abanini bayo. Ngalesi sicwangciso-qhinga uya kuba nakho ukufikelela kwi-6% minyaka le. Ngaphandle kokubeka emngciphekweni izikhundla zakho kwaye ke unokwenza ibhegi yolondolozo ezinzileyo ukusukela ngoku. Ngaphandle kwezinye izinto zobuchwephesha kule mveliso yezemali. Ungalibali kuba olu luvo lotyalo-mali lunokuba luncedo kakhulu ebomini bakho njengomtyali mali ophakathi nophakathi.
Kwelinye icala, awungekhe uyilibale loo nto ukusukela unyaka 2016 Izabelo zestokhwe kunye nezahlulo zengxowa-mali zinerhafu efanayo. Ke kunokuba ngumsebenzi onenzuzo kakhulu kwimidla yakho kuzo zonke iindawo zokujonga. Kuba emva kwayo yonke into uninzi lwabatyali mali abancinci nabaphakathi bahlala beyifuna. Oko kukuthi, banezibonelelo ezithile ngonyango lwabo lwerhafu. Ikwayindlela yokwenza ukuba ukonga kwakho kubenenzuzo. Ngale ndlela inokukunika ngaphezulu kovuyo olunye kwezi zihlandlo zichanekileyo.
Injongo iphumelele
Njengoko sele ubonile, yonke into inesisombululo kunye nenyani yokuba unokufumana imbuyekezo kulondolozo lwakho lwe ubuncinci i-3% ngendlela emiselweyo neqinisekisiweyo minyaka le. Into ekufuneka uyenzile kukukhetha imodeli efanelekileyo kwiprofayili yakho njengotyalomali oluncinci noluphakathi kwaye uyonwabele le mveliso xa iphelelwa lixesha. Ayothusi into yokuba le yenye yeenjongo zakho ezinqwenelekayo ngeli xesha lingazinzanga kulo naluphi na uhlobo lotyalo-mali.
Njengakwinto ethile yokuba inyani yokuba ingxowa-mali ingahambisa isahlulelo ngumtsalane obalulekileyo kubathathi-nxaxheba abathile. Nangona isenokungabi yeyabanye abaninzi kwaye nalapho kuya kufuneka wenze isigqibo ukusukela ngoku. Ukuze ube nenqanaba lenzala elingaphezulu kwe-3% ekupheleni konyaka, eyingxelo kweli nqaku ejolise kubatyali mali. Ngezindululo ezininzi kunokuba ubucinga kwasekuqaleni. Ngaba uyavumelana nezi ndlela zangaphambili? Ayothusi into yokuba le yenye yeenjongo zakho ezinqwenelekayo ngeli xesha lingazinzanga kulo naluphi na uhlobo lotyalo-mali. Kubo zonke iintlobo zezicwangciso ezinxulumene nemali kufuneka zijolise kuye.