Amasu ayi-7 okusebenza ngamanani aphansi

Akumangalisi ukuthi kusazodingeka siphile ngamanani wenzalo aphansi kakhulu, noma sinembuyiselo engemihle. Kokubili ngakolunye uhlangothi nolunye lwe-Atlantic ngemuva kwezinqumo zeziphathimandla zezimali zazo. Kepha lokho ngokungangabazeki kuzoba yi- ushintsho lwamasu ezitshalweni zethu kusuka manje. Ngoba lokhu kwehluka kwiphothifoliyo yokutshala imali kungabeka ibhalansi kolunye uhlangothi noma kolunye. Ngesikhathi lapho ukuntengantenga ezimakethe zezezimali sekubuyele ukuhlala isikhathi eside.

Amanani aphansi ezimakethe zokulingana njalo zamukelwa kahle ngabatshalizimali abancane nabaphakathi. Phakathi kwezinye izizathu, ngoba lesi silinganiso semali sijoja imali enkulu ezimakethe zezezimali. Kepha yiminye imikhakha ehlomulwayo ngalolu hlobo lwezinyathelo.

Lapho ukungena ezikweletini kushibhile futhi lokhu kungathinta izinqumo ongazenza ebuhlotsheni bakho nezwe lemali elihlale liyinkimbinkimbi. Ungagxili kuphela ekuthengeni nasekuthengiseni amasheya emakethe yamasheya. Uma kungenjalo, kunalokho, ungakhetha ezinye izindlela ekutshalweni kwezimali.

Amanani aphansi: awalungile emabhange

Lesi silinganiso semali silimaza ngokweqile ezithakazelweni zebhizinisi lezezimali. Ngoba imishado yabo yokulamula iphansi ngakho-ke inzuzo yabo ihlupheka ngaleli qiniso lokubala ezinkampanini ezibalwe. Kuze kube seqophelweni lokuthi amanani abo ehlile ezimakethe zezimali futhi kwesinye isikhathi ngamandla amakhulu, njengoba kwenzeka okwamanje. Amabhange zehle ekulinganisweni kwazo ezinyangeni ezisanda kwedlula ngenxa yokwehliswa kwenqubomgomo yemali endaweni ye-euro.

Ngenkathi ngakolunye uhlangothi, singekhohlwe ukuthi amaholo abo aphansi njengoba imigqa yesikweletu abayithengisayo yenziwa ngamanani wenzalo aphansi kunakwiminye iminyaka. Ngaphezu kwalokho, amanye amabhange ahlupheka ngokweqile kulezi zinqubomgomo zezimali futhi aqhuba amanani entengo yawo kuzikhathi zonke eziphansi eminyakeni yakamuva. Ngakho-ke, kungashiwo kucace bha ukuthi akusona isikhathi esihle kakhulu sokuthatha izikhundla kwezokuphepha komkhakha ngoba basengakunika okunye ukungajabuli okuhle.

Faka imali ekwakheni ibhizinisi

Ngokuphambene nalokho, enye yezinketho okufanele wenze imali yakho inenzuzo ukuqala noma yiluphi uhlobo lwebhizinisi. Lokhu kungenxa yokuthi ungathola amakhredithi ashibhile kuneminyaka embalwa edlule, ukuze ngale ndlela ukwazi ukukusindisa kancane okweshumi kwephesenti noma iphuzu kumakhredithi eminyaka eyi-10 edlule. Kuyisici esingangabazeki ukuthi sizokusiza uhlangabezane nezidingo zebhizinisi kuphrofayili yakho yobungcweti. Kufika ezingeni lokuthi kungaba yindlela ecacile yokutshala imali.

Okwamanje, amabhange athembisa ukuthola isikweletu sokusungula ibhizinisi uchungechunge lwamalayini wesikweletu anezinga lenzalo eliphakathi kuka-7% no-9%. Ngaphezu kwalokho, engxenyeni enkulu yeziphakamiso zebhange akhululiwe kumakhomishini nezinye izindleko ekuphathweni nasekugcinweni kwayo. Ngezimo ezithandeka kakhulu ngenxa yokwehla kwamanani wenzalo futhi ezimema ukuthi ukhethe lolu hlobo lotshalo-mali olukhethekile futhi enzelwe abatshalizimali abanobungozi obuningi.

Ukuthenga ikhaya lesibili

Ukutshalwa kwezindlu kwempahla kungenye yezinketho onazo okwamanje ukwenza imali yakho etholakalayo izuze. Ngalo mqondo, kuliqiniso ukuthi amanani ezindlu akhuphukile ngonyaka odlule ngamadijithi aphindwe kabili ngenxa yobungqabavu bemakethe yezindlu. Kepha esivuna wena kudlala iqiniso lokuthi Izimalimboleko ezibanjwayo zisabiza kakhulu kunakuqala. Lapho ungathola khona ukusabalala ngaphansi kwe-1% kwezinye izimo. Kanye nokukhululwa kumakhomishini nezinye izindleko ekuphathweni nasekugcinweni kwayo. Ukuze ngale ndlela, ungenza umsebenzi ube nenzuzo phakathi neminyaka eminingana.

Ngakolunye uhlangothi, futhi ungabeka ikhaya lesibili lokuqasha bese ukhiqiza imali engaguquki futhi eqinisekisiwe njalo ngenyanga njalo ngonyaka. Lapho kunesidingo sokubheka ukuthi inzuzo yerenti liphinde lalinganiswa ngu-50% selokhu kwaphela inkinga yezomnotho eSpain. Okungukuthi, ngaphezulu kakhulu kwenzalo etholwe ngokuthenga nokuthengisa amasheya ezimakethe zezimali. Ukufika lapho bekungukukhetha kwengxenye enhle yabatshalizimali abancane nabaphakathi. Ngamathemba amahle, okungenani iminyaka emibili noma emithathu ezayo.

Thatha izikhundla ngegolide

Le nsimbi eyigugu ngokwesiko ibhekwa njengempahla yezezimali ngokugqama. Ngokubuya okuhle ezinyangeni eziyishumi nambili ezedlule futhi lokho kuholele insimbi yegolide ku phinda uvuselele ngaphezu kwama-60%. Okuthile manje okuyinkimbinkimbi kakhulu ukukuzuza ngemikhiqizo yezezimali enjengezimali zokutshala imali, okuphuma noma ngisho neziqinisekiso. Futhi-ke, ukuphinda kabili noma kathathu imali ongayenza izuzise ekusebenzeni kokuthenga nokuthengisa amasheya ezimakethe zezimali.

Ngenkathi ngakolunye uhlangothi, esinye isici okufanele usihlole kusuka kulezi zikhathi eziqondile iqiniso elixhunyaniswe nalo ukuguquguquka okuphezulu ingadlala ngokuthanda kwakho njengomtshalizimali omncane naphakathi. Ngoba amanani ayo akhuphukayo angaqhubeka nokukhuphula amanani entengo ensimbi ephuzi. Ikakhulukazi uma izimali ezinkulu zokutshala imali zinquma ukubheja kule mpahla yezezimali efanelekile ukuthatha izikhundla ngalesi sikhathi. Inemibono evumayo yabahlaziyi bezezimali ngokombono wezobuchwepheshe.

Ukuqapha ubungozi be-premium

Ubudlelwano obuqondile be-premium yengozi kanye nokutshalwa kwezimali kumasheya akuqondile ngoba akuhlobene nokuvela kwayo. Kepha manje, iqiniso lokuthi i- umehluko wezwe uyancipha ngephuzu layo eliyizethenjwa kuyizindaba ezinhle zomnotho wawo futhi, ngombono, kufanele kukhombise ukuvela kwama-stock indices njengoba kungumnotho wokuncintisana kakhulu. Futhi okuphambene nalokho ecaleni eliphambene. Ukuthuthuka kwale pharamitha kufanele kusize izimakethe zamasheya zibukeke zingcono futhi namanani ezabelo zawo akhuphuke.

Phakathi kwezinye izinto ngoba kukhombisa ukuthi kunokuthembela okukhulu emnothweni wezwe futhi lokhu kungatshalwa kufakwe ezinkampanini ezinikela. Kepha lokhu akwenzeki ngaso sonke isikhathi, ngoba nakanjani kuzophathwa ezinye izinto eziguqukayo ngaphandle kwemakethe yemali engenayo engaguquki, futhi kulokhu kuncike esimweni sangempela sezinkampani. Ngokwalo mbono, bekungeke kube okungcono ukweluleka ukuzibeka ezimakethe zamasheya uma inzuzo yenkampani yehla eminyakeni ezayo. Esikhundleni salokho, isenzo esifanele kungaba ukukhetha ukuthengwa kulolu hlobo lwemikhiqizo engenayo engaguquki, kungaba ngqo noma ngezimali zokutshala imali.

Ngaphakathi kwesikhwama, i-electrics

Vele, omunye wemikhakha emikhulu ezimakethe zezimali ezingazuza kulesi simo esisiphakamisayo yileso sezinkampani zikagesi. Isizathu yingoba zikhona ukweleta kakhulu futhi inzalo ephansi ithuthukisa ukulindela kwabo ukuthola imali ethe xaxa noma yokuncishiselwa imali asebevele bayitholile eminyakeni edlule. Kuze kube seqophelweni lokuthi intengo yamasheya ayo ingayithatha le ndlela kokunye okunamandla kunakho konke kokuhwebelana kwamasheya emhlabeni jikelele, ikakhulukazi iSpain.

Ngenkathi ngakolunye uhlangothi, singekhohlwe ukuthi le ngxenye yebhizinisi ingesinye esithembisa kakhulu ukusabalalisa isabelo esihle phakathi kwabaninimasheya. Ngezinga lenzuzo lokho kusuka ku-5% kuye ku-7% ngokukhokha okungaguquguquki futhi okuqinisekisiwe njalo ngonyaka. Njengesinye sezikhuthazo abatshalizimali kumele bakhe iphothifoliyo yabo yokutshala imali.

I-Fed yehlisa amanani entengo

I-Federal Open Market Committee ye-United States Federal Reserve (Fed) inqume ukwehlisa amazinga wenzalo ngekota yephesenti, kuze kufike ebangeni phakathi kuka-2% no-2,25%, ngaleyo ndlela kufezeke okulindelwe emakethe. Lokhu ukwehla kokuqala kwentengo yemali kusukela ngasekupheleni kuka-2008, lapho kwehliswa amanani entengo ukulwa nomnotho.

Yize kusukela manje kuqhubeke, izimakethe ze-equity zizobe zilinde izimpawu ezintsha ezivela kusiphathimandla semali esiphezulu e-United States mayelana nokuncishiswa okuqhubekayo kwamazinga wenzalo. Futhi lokho impela bazokwamukelwa kahle kakhulu ngabatshalizimali abancane nabaphakathi. Ngoba asikwazi ukukhohlwa ukuthi lokhu kuncishiswa kwakamuva kufinyelele kokuncane nokuthi abalamuli bezezimali bafuna izindlela ezinolaka ezingavuna izimakethe zamasheya emhlabeni wonke futhi ikakhulukazi lezo ezisemaphethelweni aseYurophu. Ngokwanda okungenzeka kuma-indices aso esitokwe.


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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.