Kusekhona ithemba lokuthi kuzophela kahle ukusebenzisana kwethu nezimakethe zezimali ngalesi sikhathi unyaka onzima obekuyimakethe yamasheya aseSpain. Ukuphi ukulahlekelwa ngaphezu kwe-10% lapho izinga lekhotheshini yenkomba ekhethiwe yemali engenayo kazwelonke, i-Ibex 35, ifinyelela ubuncane beminyaka emithathu edlule. Ngokudiliza ukusekelwa okubalulekile okutholakala kumaphoyinti angama-9.000. Lesi senzo siholele ekusweleni kwethemba okuhleli endaweni enhle yabatshalizimali abancane nabaphakathi.
Kunoma ikuphi, kusasele isikhathi esingaphezudlwana kwenyanga ukuthi umsebenzi wezimakethe zamasheya uphele futhi kunethemba lokuthi lesi simo singashintsha. Kepha kakhulu uma okungenani ugcine ifenisha kulesi sikhathi sokugcina sonyaka. Ikakhulu ngokushintsha kokusebenza esikwenzile kuze kube manje. Ngaphezu kwalokho, ngeke sikhohlwe ukuthi sibhekene nokufika okulindelekile kwendabuko Irally yephathi yekhisimusi nokuthi eminyakeni edlule kufike kulayishwe umfutho obalulekile emananini ezilinganiso.
Okunye okubaluleke kakhulu kuwe kulesi sikhathi esifushane kuzoba ukusebenzisa amathuba ebhizinisi avela kusukela manje. Kepha lokho kufanele kuhambisane nokwehluka okuthile kumasu akho okutshala imali. Ukuhlanganiswa kwalezi zinhlelo ezimbili zokuhlobana nezwe lemali kufanele kukusebenzele, hhayi nje ukwenza impahla yakho yangasese ibe nenzuzo kulesi sikhathi. Kepha kunalokho, kuzoba ithuluzi elinamandla le- vikela izikhundla zakho kunoma yiziphi izimakethe zezimali. Lokho kuzoba umgomo wakho njengamanje.
Isu lokuqala: sebenzisa amanani aphansi
Vele, kulezi zinsuku akufanele uphuthelwe ukuba nolaka kwezinye zezikhathi ezihamba phambili zezimakethe zezimali. Ukusizakala ngokuthi phakathi nalezi zinsuku izikhwama zihlala ethembeni, cishe ngokujwayelekile futhi ngaphandle konyaka odlule, isibonelo ngonyaka odlule. Akumangazi ukuthi ngenyanga eyodwa inkomba yezokulingana yaseSpain ingakhuphuka ngesilinganiso sama-5% esimweni esibi kakhulu. Lapho amanani ajeziswa kakhulu kuzoba yilawo aphakame kakhulu kumkhuba wokugcina isikhathi naphezulu.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi kunemali eningi engena ekusebenzeni emakethe yamasheya ngalezi zinsuku. Nge- ivolumu yokuhweba kuphakeme kakhulu futhi lokho kukhombisa ukungena kokuthengiwe okuningi ezimakethe zezimali. Kulesi simo esivamile, ungafinyelela ukubuya okuphezulu ezikhundleni zakho emakethe yamasheya. Lesi ngesinye sezici ezitholakele kulesi sikhathi esikhethekile sonyaka sabo bonke abantu.
Isu lesibili: hlanganisa nezinye izimpahla
Ungaziqeda izingozi ezihilelekile ekuhwebeni emakethe yamasheya kancane ngokuhlukahluka kokulondolozwa kwezinye izimpahla zezezimali. Ikakhulukazi lezo ezithathwe ku- imikhiqizo yasebhange (imali yesikhathi esimisiwe, amanothi ezethembiso zebhizinisi noma ama-akhawunti akhokha kakhulu). Ngale ndlela, uzobe uvikela iminikelo yakho yezomnotho ezimeni zokungazinzi ezimakethe zezimali. Phakathi kwezinye izizathu ngoba bazokunikeza imbuyiselo engaguquguquki futhi eqinisekisiwe minyaka yonke. Ngezinga lenzalo eliphakathi kuka-0,50% no-2%. Vele, akuwona umklomelo odingayo, kepha okungenani uzokugwema ukulahlekelwa esitatimendeni sakho semali engenayo.
Lezi zinhlobo zemikhiqizo yezezimali zilusizo kakhulu ngalesi sikhathi njengoba ukukhuphuka kwentengo yemali okulandelayo kuzokhuphula inzuzo yakho eminyakeni embalwa ezayo. Okwamanje inzalo endaweni ye-euro ingu-0%, okuyizinga eliphansi kakhulu emlandweni. Kepha isinqumo se- I-European Central Bank (ECB) ukuqeda lesi simo esingesihle sokonga. Ngokukhuphuka kwamazinga okuqhubekayo kusukela onyakeni esizoqala ngawo. Kulesi simo, kuzoba wusizo olukhulu kwizintshisekelo zakho ukuqala kabusha lokhu kutshalwa kwezimali kumali engaguquki nangaphezulu kokunye ukucatshangelwa kobuchwepheshe.
Isu lesithathu: buyela kwezinye izinhlobo
Okokuqala, kufanele ucabange ukuthi kukhona impilo ngale kwemakethe yamasheya futhi ngalo mqondo awunakuzikhethela ngaphandle kokusebenzisa wonke amathuba ebhizinisi athuthukayo kula masonto ngaphambi koshintsho lonyaka. Njengoba abatshalizimali bevame ukusho, amabhizinisi avela nganoma yisiphi isikhathi futhi ikakhulukazi ngezikhathi ezinkulu kakhulu ukuguquguquka kwemakethe ezezimali Ngamandla aphezulu kakhulu aphezulu njengoba kubonisiwe eminyakeni eyedlule.
Izinketho onazo okwamanje zibanzi kakhulu. Kumele ukhethe imakethe yezezimali ene-uptrend echazwe kahle kakhulu. Ngaphansi kwale mingcele, izimakethe zensimbi eziyigugu yizo ezingakwazi ukuhlangabezana nezidingo zakho. Ngezimpahla zezimali zokubaluleka okukhethekile kwe igolide, isiliva noma i-platinum. Lapho ezinye zazo zikhombisa ukuvuselelwa kuze kube manje kulo nyaka kusondele kakhulu kuma-30%. Amaphesenti imakethe yamasheya engeke ikunikeze wona, ikakhulukazi kulezi zinyanga eziyinkimbinkimbi ukusebenza ezikhundleni zabo. Akumangalisi ukuthi igolide libhekwa njengendawo ephephile yokuthembela ngokusebenza kahle futhi lapho abatshalizimali abaningi batshala imali lapho imakethe yamasheya ingahambi kahle kakhulu ngezikhathi zayo.
Isu lesine: amapulatifomu wezezakhiwo
Phakathi neminyaka embalwa edlule, kuye kwavela uchungechunge lwamapulatifomu wezezindlu akunikeza inzuzo efinyelela ku-13% ekusebenzeni kwabo. Ngenzuzo yokuthi ungathatha izikhundla ngamanani aphansi kakhulu kuwo wonke amakhaya, kusuka kuma-euro angama-1.000 kuphela. Ngokuhweba kwayo kwamafulethi, indawo yezentengiso noma amagaraji. Lokhu kutshalwa kwezimali kusekelwe kokuthile okulula njengengxenye yephrojekthi ozikhethela yona. Kodwa-ke, inkinga enkulu ukuthi kuzofanela ulinde kuze kuphele ukusebenza ukuze uthole imali.
Ngoba impela, ngeke ube nenye indlela ngaphandle kokuthi ube nayo imali engenakunyakaziswa ngesikhathi sephrojekthi yezezakhiwo. Lolu hlobo lokunyakaza lokutshala imali ludinga unomphela cishe izinyanga eziyisithupha kuya kwezi-6. Ngamazinga ehlukene wenzalo ozowathola ekupheleni kokusebenza. Lawa maphrojekthi ngokuvamile anesilinganiso sikazwelonke, kepha nakwamanye amazwe omhlaba. Kuya ngecebo lesikhulumi ngasinye sezezimali emkhakheni ongakathuthuki ezweni lethu.
Isu lesihlanu: umshuwalense wokutshala imali
Uma ungomunye wabasebenzisi abacabanga ukuthi imali efakwa ethemini ikhiqiza imbuyiselo enganele, umshwalense wokutshala imali ungaba yisixazululo esanelisa kakhulu sezimfuno zakho zokutshala imali Kungumkhiqizo wezezimali onganakwa kakhulu ngabatshalizimali abancane nabaphakathi ababika intshisekelo ethakazelisa kakhulu kubo bonke uma kuqhathaniswa neminye imikhiqizo enesimo esifanayo. Kuze kube seqophelweni lokuthi uzobe ususetshenziswa finyelela ku-3% kulungisiwe futhi kuqinisekisiwe njalo ngonyaka. Noma kungenzeki ukuthi kutakulwe, kungakhethi noma kuphelele, ngesikhathi sokuhlala unomphela kulolu hlobo lomshuwalense okhetheke kangaka.
Ngakolunye uhlangothi, banikela ngamasu wokuhlala isikhathi eside kunokujwayelekile, ngokuvuthwa okushiwo phakathi kweminyaka emi-10 nengu-15. Kuyisu elilondolozayo elibhekiswe kuphrofayili yomsebenzisi evikelayo. Lapho ukuvikeleka nokonga kunqoba ngaphezu kokunye ukucatshangelwa. Ngakho-ke kancane kancane ungakha isikhwama sokonga esizinzile esinenzuzo engaphansi kokwamukelekayo. Le mikhiqizo ayimakethwa ngamabhange njengokujwayelekile kulezi zimo, kepha izinkampani zomshuwalense.
Isu lesithupha: Irali kaKhisimusi
Uma ufuna ukwenza inzuzo imali etholakalayo emakethe yamasheya akungabazeki ukuthi lesi sikhathi sonyaka sithandeka kakhulu kulolu hlobo lwemisebenzi. Ngokufika komhlangano wendabuko wamaholide kaKhisimusi, intengo yezokuphepha inyuka ngalezi zinsuku ezibaluleke kakhulu. Kungaba yisikhathi sokuba wenze okuthile ukusebenza isikhathi esifushane ukukuthathela ama-euro ambalwa. Lokhu kungukunyakaza okukhulu lapho amanani wesitoko angadubula ngaphezu kwe-3% kuseshini efanayo yokuhweba. Yize benomzila olinganiselwe kakhulu futhi kuzofanele unake kakhulu ukuthuthukisa ukuthengisa kwabo.
Kunoma ikuphi, akudingeki ulahle izimali zakho ngale ngxenye yokugcina yonyaka. Kuhlala kuphela ukuthi ukhetha imodeli engathuthukisa amandla amakhulu wokubuyekeza ngenyanga yokugcina yonyaka. Ukuze ukwazi ukuvala unyaka ngokumamatheka ezindebeni zakho futhi ngale ndlela ungalungisa unyaka ongazange ube yinto evuna izintshisekelo zabatshalizimali abancane nabaphakathi. Lapho i- ukuvikelwa kwemali yakho kuzoba inhloso enkulu yezenzo zakho nangaphezulu kwezinye izindlela zokutshala imali.
Kunoma ikuphi, kuzodinga ikhono elithile ekusebenzeni ngoba sisesikhathini sokukhuluma ngokungagunci ukuze ukwazi ukuthola inzuzo enhle njengasekuqaleni.