Kusele ikota enye kuphela kude kube i-2018 igqityiwe kwaye oko kuye kwaphoxa kwinxalenye enkulu yabatyali mali. Kwimeko nayiphi na into, kusekho ixesha lokulungisa iimpazamo kwaye ube kwindawo yokuphelisa unyaka nge-balance balance ngaphezu kwe-akhawunti. Nangona kunjalo, Esi sigqibo asiyi kuba semngciphekweni Kuba konke oku malunga nayo, ngapha koko, kukuba ndlongondlongo ekufihleni iziphumo ezibuthathaka esizifumeneyo ukuza kuthi ga ngoku.
Ukuvela kwezinto ezilinganayo kwiinyanga ezilithoba zokuqala ezidlulileyo khange kube yile nto ubuyilindele ukusukela ekuqaleni konyaka. Kungaphezulu kwesizathu esaneleyo sokutshintsha eyakho qhinga utyalomali ngexesha lokugqibela osele nalo kulo nyaka. Ukuya kwinqanaba lokuba ufuna ukwenza imali oyigcinayo ibe yinzuzo, awuzukukhetha kodwa iyahluka ngokweendawo kwiimarike zezemali apho ufuna ukwandisa ukonga kwakho ukusukela ngoku. Kungenxa yokuba ekupheleni kosuku sele iyindlela yokugqibela oshiye ngayo ukuze uphumelele kulo nyaka sele uqhubekile, kukho iindaba ezigqithileyo malunga nokuvela kwamaxabiso.
Ngokubhekisele kwiimarike zokulingana kwilizwekazi elidala, zimbalwa iindaba ezithiwe thaca kuwe. Njengoko abatyali mali bahlala besithi, "zonke iintlanzi ziyathengiswa." Ngaphaya kwe spikes ezinokuvela kule nxalenye yokugqibela yonyaka. Ayothusi into yokuba iyakuba luhlobo lwe-makeup oluya kuthi lubangelwe ngabaphathi bengxowa mali yotyalo mali ukugcina amaxwebhu abo abucala Kodwa ngokuqinisekileyo awuyi kufumana uhlaziyo olothusayo. Ewe kunjalo, ayisiyiyo imeko yolunye ulungelelwaniso lonyaka oluya kuhamba. Endaweni yoko, ukuba akukho zintlungu okanye luzuko, njengoko uninzi lwabatyali mali abancinci nabaphakathi belumkisa.
Ukuphela konyaka: Utyala phi?
Kule meko, akusayi kubakho khetho ngaphandle kokufumanisa ukuba yeyiphi na imimandla enokuthi ibonelele ngembuyekezo ephezulu ekupheleni konyaka, phakathi kwezinye izizathu kuba zinokuvelisa ubunyani mathuba o shishino, njengoko uza kubona kwezi zihlandlo zichanekileyo. Kungenxa yokuba, ukulingana kwamazwe aphesheya kubonisa isimilo esingalinganiyo ngokuqinisekileyo kuba ayizizo zonke iimarike zamanye amazwe ezisabele ngendlela efanayo kwiindaba zoqoqosho eziveliswe kwiinyanga ezilithoba zokuqala zonyaka. Ngokutenxa kwisalathiso esinye ukuya kwesinye ukuya kuthi ga kwi-10%.
Ukuze ukwazi ukwenza ezona zigqibo zibalaseleyo kule kota yokugqibela yonyaka, siza kukubonelela ngemeko apho ukwenza ulondolozo olunenzuzo ngempumelelo kunokuba yinyani. Ngaphaya kwamashishini alinganayo kunye neyona ndawo ikufutshane kubo, kubonakala ngathi kubonisa a imeko esecaleni nto leyo ebangela ukuba inxalenye elungileyo yabatyali mali abancinci nabaphakathi baphelelwe lithemba. Kungenxa yokuba ungalibali ukuba kukho ubomi obungaphaya kwee-indices zesizwe. Apho unokufumana khona amathuba oshishino lokwenyani, njengoko uza kuba nakho ukubona ngoku.
I-Russia: ukulibala okukhulu
Ubalo lweSlavic lolunye lolona khetho lunomdla wokujongana nokuphela konyaka. Ukwehla okuqokelelweyo kule minyaka idlulileyo kunokubangela ukuba imeko ibe yehle ngakumbi kwimidla yakho kwaye ngubani owaziyo ukuba unokuba neenkwenkwezi kuhlaziyo olungaphezulu kokulindelweyo. Dlala ngokuthanda kwakho inguquko Ixabiso leoyile kuba ukuxhomekeka kwayo kwizalathiso zesitokhwe sayo kufanelekile kunokuba kungaziwa. Uluhlu olubanzi lweenkampani ezidwelisiweyo ezidityaniswe neoyile ekrwada ezinokuthi zisebenze ngcono kunezinye. Nangona kunjalo, yingxowa eneekhomishini ezibanzi ngakumbi kunale zesizwe.
Ukuba kukho nayiphi na imarike yamasheya yamazwe aphesheya enokuthi ikothuse ngeli xesha, ngokuqinisekileyo ngamashishini aseRussia. Awungekhe ulibale ukuba une ukuxabisa okuphezulu kunakwimeko eseleyo. Kwaye ukuba imarike yestokhwe inyuka kwezi nyanga, akukho mathandabuzo ukuba imarike yemasheya yaseRussia inokuba yinto entle yokumangalisa kwinxalenye elungileyo yabatyali mali abancinci nabaphakathi. Nangona ukubala ukuba ukungazinzi kwayo kuphezulu kakhulu, umahluko obanzi phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Esi sisizathu esingayenzi ukuba ilungele iiprofayili ezithile kubatyali mali kwaye inokuba yeyakho imeko.
Ivenkile yentengiso yaseTshayina ilahlekelwe yi-20%
Ukuba kukho into elahlekileyo enkulu kulo nyaka, yimali yaseTshayina, ephulukene phantse neepesenti ezingama-20 kwii-indices zayo eziphambili zesitokhwe. Njengomphumo woxinzelelo olungaqhelekanga lokuthengisa kule ndawo yezoqoqosho. Kodwa ngokuchanekileyo kwesi sizathu nangaliphi na ixesha inokutshintsha imeko. Kwaye ukuba bekunje, akukho mathandabuzo ukuba ukonyuka kunokuma nkqo kwinqanaba lokufumana amanqanaba angaphambili. Ayothusi into yokuba imarike yempahla yaseTshayina ivelise amanani aphindwe kabini kwiiseshoni ezimbalwa kakhulu zokurhweba. Nangona kukho umngcipheko ekusebenzeni okungaphezulu kokunye kweemarike zamanye amazwe. Into ekufuneka uyixelele ukuqala kweentshukumo kolu tshintshiselwano lubalulekileyo lwesitokhwe.
Inxalenye elungileyo yabahlalutyi bamanye amazwe bakhethe olu tyalo-mali lwantlandlolo becinga ukuba inokuba nokusebenza okungcono. Nangona ukuthandabuza okubonelelwa yile marike kukubona ukuba ngowuphi na umzuzu wokuqalisa amangeniso kunye nokwenza imisebenzi ngexabiso elifanelekileyo. Into ebaluleke kakhulu yimarike yezemali ekhethekileyo njengale, apho ngenye imini izabelo zayo zinyuka ngaphezulu kwe-5% ze ngokulandelayo ipesenti ishiyeke okanye nangaphezulu. Hayi ngelize, kuyinyani ukuba akukho lula kakhulu ukusebenza ngamaxabiso abo kwaye izibonda ziphezulu kakhulu kwasekuqaleni.
I-Indiya ngokucacileyo
Ukuba kukho imarike yestokhwe egxile kunyuko olucacileyo, ngokungathandabuzekiyo lelilizwe laseAsia. Ngaphandle kwento yokuba ebelungisa indawo yakhe iinyanga ezimbalwa kwaye kule ndawo kuyothusa ukuvula izikhundla. Ngokunikwa umngcipheko wokuba amaxabiso aqhubeka ukwehla kwaye unokulahlekelwa zizikhundla ezifanelekileyo. Ngapha koko, nangaliphi na ixesha onako qhuba inkunzi ibaleke kwaye iya kuba lixesha lokuthatha isikhundla kwezinye zezokhuseleko ezininzi ezidweliswe kwiindices zayo ezichaphazelekayo. Nangona kunengxaki yokuba uninzi lwazo lungaziwa kwaphela kubatyali mali abancinci nabaphakathi baseNtshona.
Kukwacetyiswa kakhulu ngabahlalutyi bezemali xa becinga ukuba amaxabiso asenoluhambo oluphezulu. Nangona kunjalo, ukuba awufuni ukubeka emngciphekweni uninzi kwizikhundla, isisombululo silele ekukhetheni iimali zotyalo-mali ezityala iipotifoliyo zazo kutshintshiselwano lwamanye amazwe. Nokuba ukudibanisa utyalomali nezinye ii-asethi eziyimali, ezinje ngeziphumo zengeniso esisigxina. Ngale ndlela, abanini bale mveliso yemali bakhuselwe ngcono kwezona meko zinzima kurhwebo lwezezimali. Ubuncinci yinto enokwenzeka ukuba ithathelwe ingqalelo ukusukela ngoku.
IBrazil: unyulo ekwindla
Ngaphandle kwamathandabuzo, imarike yestokhwe yaseRio de Janeiro izakujonga into enokwenzeka kunyulo lukamongameli oluza kubakho kwiintsuku ezimbalwa ezizayo. Ingangunobangela wokuba itshintshe imeko yayo kunye nentloko isiya kukuqina okuphezulu. Kodwa okuchaseneyo kunokwenzeka kwakhona kwaye kunokubakho ukuwa okunzulu kwi-indices zayo zesitokhwe. Ukuba kukho ibhegi leyo inikeza ukungaqiniseki okukhulu Izabelo zamazwe aseBrazil. Apho unokufumana imali eninzi ukuba uvula izikhundla, kodwa ngesizathu esifanayo, shiya i-euro eninzi endleleni. Umngcipheko yenye yezona zinto zichaphazelekayo.
Ngayiphi na imeko, le ntengiso yemasheya iwele kakhulu kule minyaka idlulileyo kwaye uninzi lwabatyali zimali belinde ngolangazelelo utshintsho olulindelekileyo kwindlela eya kuthi yenzeke ekugqibeleni kulo nyaka ukuqala iintshukumo zabo zotyalo-mali kule ndawo yezoqoqosho ibalulekileyo kwilizwekazi laseMelika. Awusoze ukhethe ngaphandle kokujonga yonke into enokwenzeka eBrazil kwiiveki ezizayo kuba inokuba iyinyani ithuba lo shishino kutyalo-mali lwakho lokuphela konyaka. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko.
Njengoko sele ubonile, amathuba amatsha otyalo-mali aya kukuvulela, kodwa onke anenqaku elinye ngokufanayo kwaye leyo yimisebenzi ebandakanya umngcipheko omkhulu. Lixesha lokuba ubuze ukuba ukwimeko yokuthatha olu hlobo lwemisebenzi kwaye uphantsi kobuphi ubungakanani. Kuba unokulufikelela usukelo lwakho, kodwa uhlale kwindawo enzima kakhulu kwimidla yakho. Kuya kuba ngalo mzuzu ukuhlalutya ukuba akunakulunga na kuwe ukuba ungene kwezinye zeemarike zezemali esizityhile kuwe kweli nqaku.