6 amasu okutshala imali ukuze athuthukise kuleli hlobo

amasu

Leli hlobo lingaba ngelokugcina ngamanani wenzalo aphansi endaweni ye-euro, ngokusho kwe- I-European Central Bank (ECB). Wonke amehlo azobe ethe njo ekupheleni konyaka ukwazi isinqumo abazosithatha maqondana nenqubomgomo yabo yezimali, yize izimpawu zikhomba ukuthi isikhathi semali eshibhile kungenzeka ukuthi sesiphelile. Futhi kungaba kanjani okuncane, lesi sinqumo kufanele sidluliselwe ezimakethe zezimali mhlawumbe ngokushesha okukhulu kunokuba abahlaziyi bezezimali balindele. Ngokuvela kwamathuba amabhizinisi amasha okufanele uwasebenzise kusukela manje.

Lokhu kwehla kuthinta ukuthi leli hlobo esizoqala ngalo akusilo elinye. Uma kungenjalo, ngokuphambene nalokho, kuzoba okwehlukile futhi kunoma yikuphi, ngeke ube nenye indlela kodwa ukulungela ngokwengeziwe kunanini ngaphambili ukwenza imisebenzi yakho ezimakethe zezimali. Ngemuva kwesemester yokuqala yonyaka lokho kube ngcono kunalokho obekulindelekile futhi lokho kuzophela ngesibonakaliso esihle ngemuva kwezingcaphuno zakamuva ezimakethe zikazwelonke nezamazwe omhlaba. Ukubhekana nengxenye yokugcina yonyaka ngomthamo omkhulu wokuhle.

Noma kunjalo, kuleli hlobo ungasebenzisa uchungechunge lwamasu okutshala imali angakwazi thanda izintshisekelo zakho ngalezi zinyanga ezikhethekile. Ngoba empeleni, uma leli hlobo lizobonakala ngokuthize, kungenxa yokuthi kungenzeka ukuthi lehlukile kunangaphambili. Futhi ngakho-ke kufanele uguqule amasu akho okwenza imali onayo itholakale ekutshalweni kulesi sikhathi sonyaka kube nenzuzo. Ngenhloso eyodwa futhi lokho akuyona enye ngaphandle kokukhulisa inzuzo ongayenza kuphothifoliyo yakho yezokuphepha kusukela manje kuqhubeke.

Amasu: amanani asilele

Isu elilodwa ongalisebenzisa kusukela manje ukukhetha amasheya abesele kakhulu engxenyeni yokuqala yonyaka. Akumangalisi ukuthi ezinye zazo zine- amandla aphezulu ephakeme futhi kunoma yisiphi isimo sikhanga kakhulu ukuyifaka kuphothifoliyo yakho elandelayo yokutshala imali. Kepha ukuthatha izinyathelo zokuqapha ukuthi isici sayo sobuchwepheshe asonakalisanga kakhulu ngenxa yokunyakaza okujulile okukuvimbela ekushintsheni ukuthambekela kuleli hlobo esizoqala ngalo.

Ngakolunye uhlangothi, kungcono ukuthi uvule izikhundla ezinkampanini ezibalulwe ezingaphulanga ukuxhaswa kwazo kwezobuchwepheshe. Ngoba uma ukwenza ngakolunye uhlangothi, akukho kungabaza ngokuthi uzibeka engcupheni yokuthola okusha nokuyingozi ukuhamba phansi lapho ungalahlekelwa khona ama-euro amaningi endleleni. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo. Kunoma yimaphi amacala, kufanele kube imisebenzi ehlose isikhathi esifushane. Izinyanga nje lapho ihlobo lakhiwe khona.

Qoqa inzuzo enkulu

Amanye amasu ongawasebenzisa kuleli hlobo, uma uzuza ngamasheya ezinyangeni eziyisithupha zokuqala zonyaka lahla izikhundla. Kungaba ngokuthengisa okuyingxenye noma okuphelele ukuze ukwazi ukujabulela ukuzuza kwemali kulezi zinyanga zokuphumula nokuphumula. Ngaphezu kwalokho, kungaba ngumklomelo wakho ongalindelekile wokwenza lolo hambo obukade ululangazelela kakhulu nokuthi kuze kube manje awukwazanga ukuluthatha. Ngalo mqondo, izimakethe zamasheya zingakunika imali oyidingayo ukuze uyifeze.

Lolu hlelo lokutshala imali futhi likuvumela ukuthi ungakwenzi ungangena kokubomvu ezindaweni zakho ezivulekile engxenyeni yesibili yonyaka. Ngenkathi ngakolunye uhlangothi, uzobhekisisa kakhulu kunanini ngaphambili amathuba amasha ebhizinisi izimakethe zezimali ezokunikeza zona kulezi zinyanga. Ngakolunye uhlangothi, futhi njengoba abatshalizimali abanolwazi oluningi ezimakethe zamasheya bathambekele ekuthini, kuhlala kukhethwa "inyoni esandleni kuneyikhulu endizayo". Sebenzisa lesi seluleko esiwusizo ekutshalweni kwakho kwemali kulo nyaka. Okungenani uzogwema izinkinga ezithile ekusebenzeni kokushintshana.

Imvula ehlukaniswa ngehlobo

izabelo

Ngakolunye uhlangothi, awukwazi ukukhohlwa ngaphansi kwanoma yiziphi izimo ukuthi lesi yisikhathi sonyaka lapho ukwabiwa kwezabelo kubaninimasheya kuningi khona. Izinyanga zasehlobo zisetshenziswa yizinkampani ezibalulwe ukunikela lo mholo. Ngembuyiselo yonyaka lokho ibanga eliphakathi kuka-5% no-7% cishe futhi ngenhla kwenzalo etholwe yimikhiqizo ehlukene yasebhange. Isibonelo, imali yesikhathi esinqunyiwe, amabhondi ezinkampani noma ama-akhawunti wemali ephezulu engenayo inzalo ephezulu kune-1%.

Lesi sikhathi sonyaka singasetshenziselwa ukukhetha lesi sigaba sezinkampani esizonikeza ukuthinteka okuvikelekile otshalweni lwakho kanye nokuthi kungenzeka ukwakha iphothifoliyo engenayo engaguquki ngaphakathi kokuguquguqukayo. Noma yini eyenzekayo ezimakethe zezimali ezinyangeni ezizayo. Ngaphezu kwalokho, kuzoba yindlela yoqobo yokukuvikela ekungazinzi okukhona ezimakethe zezimali kulezi zinyanga. Ukuze ngale ndlela, uhambe ngokuthula uchithe amaholide nabathandekayo bakho futhi ngaphandle kokukhathazeka okukhulu maqondana nobudlelwano bakho nomkhakha wokutshala imali.

Ebalekela umkhakha wamabhange

Akungabazeki ukuthi omunye wemikhakha engqubuzanayo phakathi nezinyanga zasehlobo yilowo omelwe amabhange. Kuyinto ebucayi kakhulu ezinqumweni ezingathathwa kwi-European Central Bank (ECB), ngakho-ke ingathuthuka ukulahleka okuphezulu kunezinye izingxenye zemakethe yamasheya. Okululeka kakhulu ukuthi uyeke ukuvula izikhundla kulo mkhakha ngalesi sikhathi sonyaka. Ukuze ungabi nezinye izimanga ezingezinhle ngesikhathi seholide lakho elilindelwe isikhathi eside. Akumangalisi ukuthi amanye amanani alo acwiliswe kuthrendi ecace ngokwehla kusuka kuzo zonke izikhathi zaphakade: okufushane, okuphakathi naphezulu.

Ngaphezu kwalokho, akuwona umkhakha ofanele kakhulu ukuvula izikhundla ngaphambi kwe- ukuguquguquka Bakhombisa izenzo zabo kulezi nangezinyanga eziyishumi nambili ezedlule. Ngalo mqondo, ukwehla okwenziwe uBanco Sabadell engxenyeni yokuqala yonyaka akunakunakwa. Lapho kuholele ekulinganisweni kwayo osekuvele kungaphansi kweyunithi ye-euro futhi sekudale ukuthi abatshalizimali abancane nabaphakathi balahlekelwe yimali eningi kulezi zikhundla emkhakheni wezamabhange. Isizathu esanele ngaphezu kokungabuyeli kule ngxenye yemakethe yamasheya, okungenani izinyanga ezimbalwa ezengeziwe.

Shiya isikhwama ehlobo

ukulondoloza

Ngalezi zinyanga zokuzilibazisa, umqondo omuhle ukuthi usuke ezimakethe zezimali. Ukuya kumikhiqizo elula futhi lokho kunganikeza ukuthula kwengqondo okwengeziwe ngalesi sikhathi sonyaka. Ngokubuya okungenani kuka-1%, kodwa ngendlela eqinisekiswe ngokuphelele futhi ngaphandle kwakho ukwazi ukuthola ukulahlekelwa kwanoma yiluphi uhlobo. Ngemikhiqizo emele njengamadiphozithi asebhange wesikhathi esinqunyiwe nokuthi okwamanje ungabakhontela isikhathi seminyaka emithathu. Isikhathi esifanele le nkathi yonyaka sihlala futhi esisebenza njengokutshala imali ekuvaleni ngenkathi usebenzisa iholide lakho kwenye indawo. Ukuba ngakolunye uhlangothi, umkhiqizo ongenawo amakhomishini nezinye izindleko ekuphathweni noma ekugcineni kwawo.

Leli su lokutshala imali livumeleke kakhulu kuwe yehlisa umoya kulezi zinsuku zokuphumula Futhi akudingeki ukhathazeke ngamanani ezimakethe zezimali. Lesi yisinyathelo sesikhashana kepha singasebenza kakhulu ekuvikeleni izikhundla zakho zemali kusukela manje kuqhubeke. Lapho kungadingeki uthathe noma yiluphi uhlobo lobungozi ngoba kuyimodeli yokonga ecacisiwe futhi evulekele wonke amaphrofayli abakhona abatshalizimali abancane nabaphakathi. Ngaphezulu kokunye ukucatshangelwa kobuchwepheshe okuzoba isihloko sendatshana.

Iya kwezinye izimakethe

oro

Ekugcineni, bonisa ukuthi okunye ukwesekwa onakho ukuzivikela ezimeni ezingafuneki ezimakethe zezezimali kusekelwe kwezinye izimakethe. Ngokuqondene nesibonelo, lokho kwe izinsimbi eziyigugu okwamanje ekhombisa isici esihle kakhulu sobuchwepheshe. Yize ngokuphambene nalokho, izingozi ziphakeme kakhulu kunezinye iziphakamiso zokutshalwa kwemali. Ngoba ukungazethembi kwayo kuphezulu kakhulu futhi kungaholela ekudlaleni okungalungile ezikhundleni zakho kule makethe ekhethekile.

Ngakolunye uhlangothi, akungabazeki ukuthi kufanele unikeze isipiliyoni esihle kulolu hlobo lwemisebenzi ngoba izimakethe zabo zehlukile kwezokujwayelekile. Uma ungahambisani nale mfuneko, kuzoba ngcono ukuthi uyeke ukwenza noma yiluphi uhlobo lomsebenzi. Akumangalisi ukuthi uzoba nethuba elingcono lokushiya ama-euro amaningi endleleni. Futhi le yinto okufanele uyigweme ikakhulukazi ezinyangeni eziyingozi kangako kuzo zonke izimakethe zokulingana. Njengenye yezinhloso zakho ezinkulu kumasu okufanele uwathathe kulesi sikhathi sonyaka.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.