Ukuphela konyaka ngeke kube lula ku- abatshalizimali khetha amanani amahle kakhulu. Hhayi ize babhekane unyaka ongajwayelekile ukwedlula abanye. Ngokungabaza okuningi, ukweqisa phakathi kwabatshalizimali abancane okuveze ukudumazeka okungaphezu kokukodwa kulokho okungaba umugqa wamasheya aseSpain. Futhi ngeBrexit njengesizinda esibi selokhu savunywa ekubonisaneni ngokhetho ekuqaleni kwehlobo.
Kulezi zinyanga kube nzima kakhulu ukuthola amathuba ebhizinisi phakathi kwamavelu emakethe yamasheya aseSpain. Kuze kube isikweletu bekuyisimo semvelo engxenyeni enhle yabasindisa. Babhekene nokwesaba ukuthi balahlekelwe yimpahla yabo ekusebenzeni okwenziwe ezimakethe zezezimali. Ngakho-ke ubuhlakani bube ngenye yezindlela zabo ezijwayelekile.
Noma kunjalo, ukuzivocavoca akulahlekile okwamanje. Ngenhlanhla yakho, usenokubukeka kwendabuko rally kaKhisimusi, nokuthi abatshalizimali abaningi balinde ngokulangazela. Kusuka kulesi simo esingenzeka phakathi namasonto okugcina onyakeni, kungaba yimakece ephelele yokulinganisela ama-akhawunti ukusebenza kwakho emabhizinisini akushiyele wona.
Yiziphi izindinganiso ezihamba phambili?
Kunoma ikuphi, ngeke ube nenye indlela ngaphandle kokukhetha kakhulu lapho ulungiselela iphothifoliyo yakho eseduze kakhulu yezokuphepha. Ukugwema noma isiphi isigameko izimakethe ezingasethula ngaphambi kokuphela konyaka wezimali. Akumangalisi ukuthi esinye sezikhiye zokwenza ngcono izikhundla zakho kuzoba yilokho ukuphepha kunqoba ngenhla ingozi. Kuzo zonke izinhlobo zamaphrofayela ongawethula: anolaka, alinganiselayo noma ayavikela.
Kulesi simo, uzoba namanani anconyiwe kakhulu kunamanye. Lapha kulapho kufanele ugxilise ukubheja kwakho ukuphela konyaka. Kunoma ikuphi, ngeke kube yisiqinisekiso sanoma yiluphi uhlobo lokusebenza. Kepha izokusiza ukunciphisa ubungozi. Ngokuchayeka okungafinyeleli esiphelele semali oyongile etholakalayo. Futhi-ke inhlanhla yokubhekana nezikhathi zokuhweba ezilandelayo.
Iziphakamiso, kunjalo, ngeke uziphuthe. Kepha ngeke kube nokukhetha ngaphandle khetha amanani asikisela kakhulu okwamanje. Lokhu kuzonciphisa kakhulu ukunikezwa okubanzi okunikezwa izimakethe zezimali. Kokubili emalini nasezindlini. Futhi ngale ndlela izikhundla ezivulekile ezinesibindi esanele sokwenza ibhalansi ye-akhawunti yakho yokuhlola izuze. Okwamanje, uyafuna ukwazi ukuthi iziphi iziphakamiso ezisikisela kakhulu? Kulungile-ke sikunikeza wena.
Amanani: izinkampani ezithaka imithi ngokujwayelekile
Kungumkhakha othakazelisa kakhulu okwamanje ongadingi ubuchwepheshe. Ngisho noma kukhulunywa ngama-stock indices lapho behweba khona. Ngokombono wabanye abahlaziyi abahlonishwayo ezimakethe zezezimali, ungomunye walabo abakhombisa ukuheha okukhulu kakhulu ukuthenga amasheya abo. Qondanisa kulokho azibalulekile. Kufika ezingeni lokuba namandla wokubuyekeza aphezulu kunakwamanye imikhakha.
Leli qembu lamasheya angamazwe omhlaba liveza ezinye imiphumela emihle kakhulu yebhizinisi. Zingasebenza njengezaba zokuqalisa ukwanda kwesikhathi esizayo kwikhotheshini yamanani abo. Ngezinzuzo eziphindaphindwayo minyaka yonke kuma-akhawunti wakho webhizinisi. Futhi bayazuza futhi eminyakeni yamuva kusukela ekuveleni kwemithi emisha elwa nezifo ezithile ezikhuphula inani lamasheya abo. Kwezinye izimo, ngendlela ephawuleka kakhulu ize ivuselele cishe u-10% noma u-20%.
Kubuye kube yi- inani lokuzivikela kakhulu isetshenziselwe ukuvula izikhundla ezimweni ezimbi kakhulu ezimakethe zokulingana. Ngokulingana okuthakazelisa kakhulu phakathi kwengozi nokubuyela kwezintshisekelo zakho. Kuze kube seqophelweni lokuthi ezinye zezinkampani ezenza imithi ezisebenza ezimakethe zaseNyakatho Melika naseYurophu zihamba phambili ngokwenani lamasheya azo.
Kuxhunyaniswe namafutha
Kuzoba ngenye yezinkanyezi ezinkulu ngonyaka ozayo inqobo nje uma kuhlangatshezwane nesimo esisodwa. Akukho okunye ngaphandle kokuthi amanani egolide elimnyama aqhubeka nokukhuphuka ezimakethe zezezimali. Ngenye ye- amathuba aphakeme kakhulu aphezulu kukho konke ukuhwebelana kwamazwe ngamazwe. Ingozi yokuthi lokhu akunjalo ibonakala ifiphele ngemuva kwezivumelwano zakamuva phakathi kwabakhiqizi abakhulu. Ikakhulukazi labo abaxhumene ne-World Organisation of Petroleum Exporters (OPEC) neRussia.
Kusukela esimweni esiveza lokhu okubalulekile okusetshenzisiwe, kunabahlaziyi abaningi bezimakethe ababona ukuthi kungenzeka ukuthi intengo yezinga sondela kumgoqo wama- $ 70 umgqomo ezinyangeni eziyishumi nambili ezizayo. Akumangalisi ukuthi ingenye yezimpahla ezinamandla kakhulu zezimali kusukela kuleli hlobo. Ngemuva kokubuya ezingeni eliphansi iminyaka eminingi endaweni eyi- $ 25. Banganikeza okungaphezu kokumangala okuhle ngalezi zikhathi.
Kunoma ikuphi, uma ufuna ukuvula izikhundla ezinkampanini zikawoyela eSpain, kuzoba nzima kakhulu, ngoba unesiphakamiso sikaRepsol kuphela. Ngakolunye uhlangothi, ezimakethe zezezimali ezisele, ukulethwa kwalo mkhakha kugeleza kakhulu ngalo lonke uchungechunge lwezibambiso oluxhunyaniswe nale mpahla yezimali esezingeni lokuqala.
Imvelo ejikelezayo
Njengoba sibhekene nokululama okukhulu emnothweni wamazwe omhlaba, isixazululo sabatshalizimali singasuselwa ekuthengweni kwamasheya okuphepha emkhakheni wokujikeleza. Yibo abasondelene kakhulu kuxhunyaniswe nezikhathi zokunweba emnothweni. Kulezi zikhathi kulapho bethola khona ukubongwa okubalulekile kwikhotheshini yamanani abo. Ngenkathi kwenzeka okuphambene nalokho, ezikhathini ezeqile baphupha ngokukhombisa ukuwa okuphawulekayo ezimakethe zezimali.
Kuyinto a ukukhetha kwesikhashana nje futhi inqobo nje uma izinkomba ze-macroeconomic zisekela ukuvuselelwa komsebenzi endimeni yebhizinisi lamazwe abaluleke kakhulu. Ngaphandle kwalokho, kuzobangcono ukuba nesikweletu ngokuphelele kulawa manani ngoba angakhiqiza ukuthambekela okubukhali kakhulu kuzintengo zawo. Kunoma ikuphi, ukubheja kwendabuko phakathi kwabatshalizimali abakhulu abasebenzisa izikhathi zobukhazikhazi obukhulu bezomnotho ukukhetha lezi zinkampani ekutshalweni kwazo.
Omunye wemikhakha emele kakhulu yamasheya okujikeleza yilowo ohlobene nomkhakha. Bangabanye babaphathi abahamba phambili bokukhulisa umnotho futhi bathinteke kakhulu ezimakethe zamasheya ngesikhathi sezinkinga zomnotho ezaqala eminyakeni eyishumi edlule. Bengazibuyisanga izintengo zabo ngamandla aphelele kusukela lapho. Ngenxa yalokho, ngomunye wemikhakha onamandla amakhulu wokubuyekeza okwamanje.
Umkhakha Wokudla: uzinzile
Amanani wale ngxenye yebhizinisi ahlelwe njengenye yezinketho okufanele babhekane nazo ngonyaka ozayo ngephothifoliyo yabo yokutshala imali. Baphephe kakhulu nangaso sonke isiqinisekiso bazokugwema izinkinga ezingaphezu kweyodwa emisebenzini oyivulayo. Vele, akuzona ezinconyelwe kakhulu ukukhiqiza izinzuzo ezinkulu zemali. Kepha okungenani zizosebenza ukuvikela ukonga kwakho ekungazinzini okuzayo ezimakethe zezimali.
Le yimigqa yebhizinisi eqinile ejwayele ukwethula isitatimende semali engenayo enhle kunoma yiziphi izimo ezivela kuzo. Ngaphezu kwaleyo eminye imikhakha emisha. Kwezinye izikhathi zingabizwa ngokuthi amanani wokuphephela lapho izinhloko-dolobha ezisaba kakhulu ngokuvela kwentengo yemali ziqondiswe khona. Ukuba ngenye yamanani agxilile kuphothifoliyo yokutshalwa kwezimali kwabasindisi abalondoloza kakhulu.
Imakethe yamasheya yaseSpain inezinkampani ezimbalwa zalezi zici ezinganelisa isidingo sakho ngaphandle kokuthi uye kwezinye izimakethe zomhlaba wonke. Noma kunjalo qaphela kakhulu ngeDeoleo, ngoba ingenye yamanani anesici sobuchwepheshe esibi kunazo zonke emakethe. Inkampani yokuhweba kawoyela ingahamba ngisho nokufuna ukwehla kwayo emazingeni asondele kuma-euro angu-0,20 ngesabelo ngasinye.
Yiphelelise ngobuchwepheshe
Ukunikeza iphothifoliyo ulaka oluthile, inkampani yezobuchwepheshe ekhombisa amandla esicini sayo sobuchwepheshe. Kuzoba elinye lamasu okwandisa imbuyiselo yokonga okutshaliwe. Ngomnikelo wemali ongafuneki ngokweqile, futhi lokho kuzosebenza njengomphelelisi wokusebenza okumaphakathi kotshalo-mali. Yize ukufeza le nhloso, kunconywa kakhulu ukuthi uye ezimakethe zomhlaba jikelele lapho ubhekene nokunikezwa okukhulu kakhulu kwezokuphepha kwalezi zici.
Lelisu lokutshala imali lizokwenza izindleko zokuphatha zibize kakhulu, kepha uzokwazi ukubanxephezela ngokuthuthuka okungcono kwikhotheshini yamanani abo. Ukuvuma ukuthi lezi zimiso kuzoba lula kakhulu ukuthuthuka ukunyakaza okuguquguqukayo kakhulu lokho kungakwenza ube novalo ngokwengeziwe ngezikhathi ezithile zonyaka. Kuyingozi okuzodingeka uyicabange uma ufuna ukuthatha izikhundla emkhakheni wezobuchwepheshe obusha.
Kunoma ikuphi, kuzofanele ube nethemba lokubhekana nonyaka omusha ngoba kuyohlale kunamathuba okwenza ibhizinisi ngemali yakho ezimakethe zezimali. Kumele ukhethe umzuzu ofanele. Kuyiqiniso ukuthi izovela, noma ngabe ubungayilindele neze. Ubhekene nalesi simo, i- ukuqonda nokuqapha kufanele kube yizinhlangano ezijwayelekile ezenzweni zakho emakethe yamasheya. Ukuze ngale ndlela, uthole umvuzo wakho ngefomethi yezinzuzo ezinkulu zemali. Futhi ngalokhu awukwazi ukuphuthelwa noma yisiphi isenzakalo esivela ezinyangeni ezimbalwa ezizayo.