Kuza ixesha lonyaka apho likhoyo kunzima kakhulu ukulawula utyalomali, kwaye okona kubaluleke kakhulu, bakhusele kwiingxaki ezinokubakho kwiimarike zezemali. Imalunga nehlobo, ezo nyanga, apho abona batyalo-mali banobuchwephesha bafuna ukuchitha iintsuku ezimbalwa zokuzola okukhulu kunye nosapho okanye abahlobo babo. Ngaphandle kwayo yonke into, iya kuba lixesha ekufuneka kuthathwe ngalo amanyathelo okhuseleko. Ngenjongo ecace gca, kwaye ayikho enye into ngaphandle kokugcina imali.
Iya kuba ziinyanga ezimbalwa, apho iya kuba yinto ephambili khetha ukhuseleko endaweni yokusebenza onokunikela ngayo. Kuza amaxesha apho ukubhencwa kwamashishini kukulingana, kwaye ngaphezulu kwako konke, kunye nomnqweno wokuthatha amanyathelo anobukrwada ukwenza i-asethi ibe yinzuzo. Kwimeko nayiphi na into, kuya kucetyiswa kakhulu ukuba uhlawule ingqalelo kwinqaku eluncedo iingcebiso oko kuya kukunceda ufezekise iinjongo zakho kwezi nyanga zonyaka.
Iimarike zezemali, ngakumbi iimarike ze-equity, zihlala zizisa izinto ezininzi ezimangazayo kwezi nyanga zibaluleke kakhulu kubo bonke abagcini mali. Iminyaka embalwa edlulileyo igcwele umsitho onje kwiimarike yenze abatyali mali abancinci baphulukana nemali yabo eninzi, ngelixa babethe cwaka elunxwemeni, okanye kwenye indawo yeholide. Yinto ekufuneka uyiphephe ngazo zonke iindleko kulo nyaka, kuba uneendlela ezaneleyo zokuyiphepha.
Iimveliso zokugcina ukonga
Eyona nto iphambili oya kuyenza ayiyi kuba yeyimbi ngaphandle koku khetha iimodeli ezikhuselekileyo zotyalo-mali, kwaye ukuba inokuba yinzuzo, ke ingcono kunokuba ibhetele kwimidla yakho. Akumangalisi ukuba uzakube udlala kakhulu ngeli xesha lonyaka. Kwaye ayingombuzo wokumosha imali, ukude kuyo. Ukwenza oku, kuya kufuneka uhlakulele ngokuqinisekileyo ipotifoliyo yotyalo mali. Kwaye kunjalo utshintsho kwimikhwa yakho yotyalo mali. Gcina ukhumbula ukuba ezi nyanga azifani nolunye unyaka. Ubuncinci xa kufikwa kutyalomali.
Zeziphi iintlobo zeemveliso onokuthi uzikhethe kwesi sicwangciso sotyalo mali esahlukileyo? Kukho iimodeli ezininzi ezinokukunceda kakhulu kwezi nyanga xa uzakube useholideyini, mhlawumbi kwenye indawo. Kuya kufuneka ujonge ukonga kwakho kubo, kuxhomekeke kwiprofayili oyivezayo njengomtyali mali: ubundlongondlongo, ulondolozo, ophakathi, njl. Kwaye iyakuba yile ilandelayo esikuvezayo yona.
IifostiUnokwenza isivumelwano sokunyanzelwa inyanga okanye iinyanga ezininzi. Kuyinyani ukuba imbuyekezo oyivelise kwiakhawunti yakho yokutshekisha ayizukuba yinto entle, kungabikho ngaphezulu kwe-0,50%, kodwa ubuncinci uya kuba nokhuseleko lokufumana kwakhona imali oyityalileyo xa ubuya kwiiholide, kwaye Inzala encinci, nangona iqinisekisiwe. Unokwenza nokuba wenze idiphozithi yokukhuthaza, enemigangatho emifutshane esisigxina, engekho ngaphezulu kweenyanga ezi-3, kwaye inikezela ngembuyekezo ephezulu. Kwezinye iimeko inokufikelela kwi-1,50%, Kwaye ngaphandle kokunxibelelana nezinye iimveliso zebhanki.
Sisicwangciso esifanelekileyo sokutyala imali kubaxumi abakhuselayo, abangafuni kuvezwa kukungaqiniseki kweemarike zezemali, ngakumbi ngeli xesha lonyaka. Unoluhlu olubanzi lwezithembiso ezenzelwe iibhanki zabathengi abatsha. Kwaye nangayiphi na imeko, ziyafikeleleka kuwo onke amakhaya, ukusuka kubhaliso oluncinci oluqala ukusuka kwi-1.000 ye-euro kuphela.
Utyalomali oluxubileyo: ukuba ufuna ukuba nezikhundla ezivulekileyo kwii-equities, ungakwenza ngale mveliso yezemali. Akunanto, idibanisa nezinye ii-asethi eziyimali ezivela kwingeniso esisigxina. Esi sicwangciso seenkampani zolawulo sinika ukhuseleko olukhulu kulondolozo. Kuyinyani ukuba ukubuyiselwa kwezi mali akuyi kuba phezulu kakhulu, kodwa ilahleko iya kuncitshiswa ngokumangalisayo. Ukongeza, unokuvala izikhundla ngaxeshanye ocinga ukuba kufanelekile.
Unikezelo lweemali zotyalo mali kwezi mpawu lubanzi kakhulu, kunye nobukho obubonakalayo bayo nayiphi na iasethi ejolise kutyalo mali. Kwaye uyakuba ngubani oya kuthi athathe isigqibo malunga nokuba zeziphi iimali ezixubeneyo ekufuneka zenze i-portfolio yakho yotyalo-mali kweli hlobo. Ukuya kwinqanaba lokuba unganikezela ngemali eninzi oyigcinileyo kwezi zoyilo ziphakathi. Kuya kucetyiswa kakhulu ukuba phakathi kwezi mveliso zininzi ezifanayo, uya kukhetha ezona zinekhomishini ziphantsi.
Ngaphakathi kwezi mveliso zezezimali, unokukhetha iimodeli ezinobundlongondlongo kunezinye, kodwa kunokwenzeka ngakumbi ukuba zikhusele ukugcinwa kwezona meko zibi kwiimarike zemali. Ngaphandle kwesidingo sokwabela lonke ulondolozo kwii-equities, okanye kwiimodeli ezinobunkunkqele, ezinobungozi obukhulu ekusebenzeni kwazo.
Iimali zemaliUkuba kukho naluphi na uyilo oluqinisekisa uzinzo kwiakhawunti yakho yokujonga ngexesha lasehlotyeni, zichanekile ezi mali. Kuya kuba nzima kuwe ukufumana i-capital gains kwimisebenzi evulekileyo, kodwa iya kukubonelela ngolungelelwano olufanayo kubalo-mali lwegalelo lakho lemali. Umngcipheko kuphela onawo kukuba uyiqeshe ngemali engeyiyo i-euro (I-franc yaseSwitzerland, idola yaseMelika, iponti yaseBritane, njl.njl.) Ezinokukhokelela kwimeko engalindelekanga ngenxa yokungazinzi okuphezulu okukhoyo kwezi asethi okwangoku.
Yimodeli yokonga ethi, ngenxa yeempawu zayo ezikhethekileyo, ifane ngokusondeleyo nokufakwa kwemali kwikota. Ayothusi into yokuba uninzi lolondolozo kwezi mveliso lujolise kwimali yemali. Inye ye ezinye iindlela ezizinzileyo Kuya kufuneka ngoku uchithe iholide ngoxolo olukhulu lwengqondo, ngaphandle kokwazi ngokuvela kwayo nayiphi na iasethi eyimali.
Utshintsho kulawulo ngexesha lasehlotyeni
Elinye inyathelo lokwenza ulondolozo lwakho lube nenzuzo ngexesha leholide liza kuza, kungekuphela kukhetho lweyona mveliso intle, kodwa nakutshintsho kulawulo lokonga kwakho. Iya kuba yesiganeko esikhethekileyo kwezi nyanga, apho ukhuseleko luyongamela inzuzo. Kwaye kuyo nayiphi na imeko, iyakunikwa ngale mizila yokusebenza oya kuyithatha kulo nyaka unzima kakhulu kutyalo-mali.
Khangela iimodeli eziguqukayo: kuyakufuneka kubaluleke kakhulu ukuba ukhethe iifomathi ezihambelana nazo zonke iimeko zeemarike zezimali kweli hlobo. Kuzo zombini iimeko ezinyusayo kunye nezibambekayo, ngamanye amaxesha ezinokuthi zithambekele kwiinyanga zasehlotyeni. Kwaye ukusuka kolu luvo, imali yokubuyisa eyiyeyona isisombululo sisiso sokukhusela ukonga kwakho. Ngabona basindileyo babalaseleyo nakweyiphi na imeko.
Isithembiso asibanzi kangako kwizindululo zangaphambili, kodwa uya kuba nezisombululo ezaneleyo zokwaba inxenye yempahla yakho yobuqu kwezi modeli zotyalo-mali. Ngokhuseleko olo ngekhe ulahlekelwe kakhulu, kwaye unokuqokelela inzuzo ethile xa ubuya kwikhefu ekudala ulindelwe kulo nyaka.
Ulwahlulo olwahlukeneyoIsicwangciso ekufuneka usisebenzisile kweli hlobo siza kusekelwa ekudibaniseni lonke utyalomali lwakho. Sukuyigcina imali oyigcinileyo kwimveliso enye, ubuncinci kukhuseleko oluluhlu, kodwa akusayi kubakho khetho limbi usasaze kwakhona ngeendlela ezahlukeneyo zemali. Kuya kuba yinto enqwenelekayo ukuba udibanise umvuzo oguqukayo kunye nengeniso esisigxina, kwaye ukuba unako kunye nezinye iindlela ezisikiweyo. Akumangalisi ukuba iya kuba sesinye sezitshixo sokukhusela imali kwiziphithiphithi ezinokubakho kwiimarike zezemali.
Ukunikezela, kuyo nayiphi na imeko, ubuncinci benxalenye ebhegini. Uya kuba nexesha xa ubuya eholideyini uzokutshintsha isicwangciso sakho kwaye wandise izikhundla zakho kule asethi yemali. Ngezi nyanga, ukhetho oluza kukhethwa nguwe luya kuba lolona lubalulekileyo, ngaphezulu kwezo ziboniswe ngamanye amaxesha onyaka.
Gcina ukuthengiswa okuthile kwiakhawunti: ihlobo yeyona nto ixhaphakileyo enyakeni yeendleko zokunyusa: iholide, ixesha lokuphola, ukutya, njl. Oku kuya kukunceda khange utyale yonke imali, kude nayo. Ubuncinci icandelo elibaluleke kakhulu kwiakhawunti yakho kufuneka libe kwiakhawunti yakho yokutshekisha. Ayisiyiyo kuphela eyokuhlangabezana nezi mfuno, kodwa ikwakhusela ulondolozo lwakho kwizinto ezikhoyo kwiimarike.
Ukongeza, kukho iinyanga ezimbalwa apho zihlala khona kuthotho lweendleko ezingalindelwanga ziyavelaEwe, khange babale kuhlahlo-lwabiwo mali. Awungekhe uye eholideyini ngokwanele, ukusukela ngoko unokuba nengxaki engaphezulu kwesinye. Nokuba oko kukukhokelela ekubeni uthengise utyalo-mali lwakho nangaliphi na ixesha. Ukulinganisela okusempilweni kuya kukunceda ufezekise ezi njongo ngaphandle kobunzima obukhulu.
Sukuqhawula unxibelelwano ngolwazi
Thatha iselfowuni yakho: kuhambo lwakho lweholide akufuneki uyilibale ifowuni yakho ephathekayo ukuze ukwazi ukusebenza ngokulula kuyo nayiphi na indawo, nokuba ungaphandle kweSpain. Kwaye nangaliphi na ixesha unokukhulisa naluphi na uhlobo lweebhanki, nditsho nokucima imveliso ukuba ikho imfuneko. Unokujonga kwakhona ukuvela kotyalo-mali lwakho nangaliphi na ixesha.
Enye yezicelo zayo kukuba ukuba amathuba oshishino avele kwizabelo ngexesha lasehlotyeni, baya kukunika ithuba lokunika iodolo yokuthenga, ngaphandle kokulinda ukubuya kweeholide. Naliphi na ixesha lokulibaziseka lingenza umohluko kwi-euro ezininzi. Kwaye ngenxa yeselfowuni ungayisombulula kwangoko, nokuba ukwindawo ekude kakhulu elizweni.
Kuya kushiyeka kuphela ukuba ufumana ifomula echanekileyo kuyo, ubuncinci ugcine ilifa lakho ngeentsuku ezizodwa oya kuzinikezela ikakhulu ekuzonwabiseni kunye nokuba kunye nabantu obathandayo. Kwaye eyona ndlela ilungileyo iya kuba kukugcina imali, ngeendlela ezahlukeneyo esizichazileyo kuwe.