Ukufuna imbuyiselo ephezulu, kuzodingeka ukuthi ubhekise kwezinye izindlela zokutshala imali ezintsha. Njengesibonelo, ngokuthola izinkontileka zamadiphozithi asebhange elihambayo noma ukutshala imali ngegolide. Kwezinye izimo, isu lisuselwa ekukhetheni izimakethe zokulingana lokho kungenye indlela kuze kube manje bekungakahlolwa. Isibonelo esihle salesi simiso sokutshalwa kwezimali sivezwa ezinye zezimakethe ezifanele kakhulu ezisafufusa. Lapho amandla alo wokubuyekeza ephakeme kunezindawo ezivamile.
Ngakolunye uhlangothi, awukwazi ukukhohlwa futhi ukugembula kumikhiqizo ejwayelekile yokonga. Ngaleyo ndlela sizoba sesimweni sokuthola i- inzuzo engaguquguquki futhi encane, noma yini eyenzekayo ezimakethe zezimali. Yize ngaphandle kokulindela ukubuya okuhle kokonga ngenxa yezici ezikhethekile zale mikhiqizo elondolozayo noma evikelayo. Ngaphandle kwanoma yisiphi isikhathi kufanele sikhokhe amakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni kwawo.
Ngezinye izikhathi, njengamanje, lapho inzuzo emaphakathi yamadiphozithi asebhange ngaphezu kwesikhathi esiyizinyanga eziyishumi nambili emazingeni ayi-0,11%, Ngokuya ngemininingwane yakamuva enikezwe yiBhange LaseSpain, kuyisikhathi sokwenza ngcono le migqa yokulamula. Njengomphumela wentengo eshibhile yemali yi-European Central Bank (ECB) futhi lokho sekuholele ekutholakaleni kwemali kube kumazinga we-0%, kumazinga aphansi ngokomlando. Izindaba ezimnandi ezilethwa yimakethe yezezimali ukuthi ngeziphakamiso ezintsha ngempela nezingokoqobo, izimbuyiselo zemali ezisemthethweni zingadlulwa kalula.
Amabhange akwaFintech: amanani aphezulu wenzalo
Izinhlangano zeFintech noma amabhange angomahamba nendlwana zishintsha imodeli yokuqonda ubudlelwane bebhizinisi namakhasimende. Kumnikelo wabo wamanje, banikela ngamadiphozithi ahlukile ethempelini eliphakathi kwezinyanga eziyi-6 nezingu-12 ezikhiqiza inzalo esondele ku-1,50%. Kukhululwe ngokuphelele kumakhomishini nakwezinye izindleko ekuphathweni kwayo futhi okungabhaliswa ngemali engabizi kakhulu kuyo yonke imizi, kusuka kuma-euro angama-1.000.
Ngenzuzo engaguquguquki futhi eqinisekisiwe ngesikhathi sayo saphakade. Ngomanyolo okungakhiqizwa njalo ngekota, njalo ngonyaka, ngonyaka noma lapho sekuvuthiwe, ngokuya ngamamodeli enziwe yilezi zinhlangano. Lo mkhuba obheke phezulu kulokho okuvela njengomncintiswano wangempela ekunikezelweni kwamabhange kwendabuko. Ezimweni eziningi, ihanjiswe ngamadivayisi wezobuchwepheshe ahlukile. Isibonelo, omakhalekhukhwini, amathebulethi noma amanye amathuluzi obuchwepheshe esisebenza kuwo kutshalo-mali noma ukwenza isivumelwano semikhiqizo ehlukene yokonga.
Ukonga: Ukutshala imali ngegolide
Njengoba abahlaziyi bezezimali bexwayisa, lo kuzoba unyaka onzima impela ezimakethe zamasheya zomhlaba wonke. Enye indlela yalesi simo imelwe ngotshalo-mali lwegolide, olungenye yamanani esiphephelo ngokusebenza kahle ngezikhathi ezithile zokuntengantenga okukhulu ezimakethe zezezimali. Kanye nabanye Izimpahla, izikhundla zingavulwa kusuka amapulatifomu ezidijithali ezezimali, njengesibonelo eToro, futhi lokho kugqama ukwehlukaniswa kwemali abayitshalile.
Ngale ndlela, intengo yensimbi ephuzi ngenyanga yokuqala ka-2019 ubonge cishe ama-4%. Ngaphezulu kwenzalo ekhiqizwe kwimikhiqizo esuselwe ezimakethe zemali engenayo ezingaguquguquki nezishintshashintshayo. Okokugcina, ngokubuyekezwa okujwayelekile ezimakethe ezinkulu zezimakethe zamasheya ezizungeze ama-3%. Kungaba enye indlela yangempela nephumelelayo inqobo nje uma ingaphambuki enkambisweni yamanje yamanje eya phezulu emaka le mpahla ebalulekile yezezimali. Njengendawo ephephile yokulwa nokwehluka okungahle kwenzeke ezimakethe zamazwe zamasheya. Ngokukhula okuphezulu kakhulu futhi kunoma ikuphi ukwedlula konke okunye.
Ukuhlanganisa izikweletu
Uhlelo olusebenzayo kakhulu lokukhulisa imbuyiselo kulondolozwe lususelwa ekuhlanganisweni kabusha kwezikweletu ezenziwe ngaphambi kwamabhange. Sivela ku imigqa yenkontileka yekhredithi yabathengi, imali ebanjwayo noma amakhadi wesikweletu. Kuyisu uqobo ngokwalo elinganikeli umholo kumakhasimende. Kepha onganciphisa ngalo izindleko zezitolimende zenyanga ezifaka yonke imikhiqizo yasebhange enesivumelwano.
Ukuze ngale ndlela, abaphathi bayo babe nemali ethe xaxa njalo ngenyanga futhi babe namandla amakhulu okuthenga ukuphatha ama-akhawunti abo. Lokhu kungenziwa kungahanjiswa kusuka kuzingxenyekazi ezihloselwe ukunikela ngazo izixazululo zezimali zezinkampani nabantu ngabanye. Noma kungeyona into yokutshala imali njengakwezinye iziphakamiso zezezimali esikunikeza zona, okungenani kuyindlela ehlukile yokuqukatha izindleko ezingaphezu kwezinye izinhlobo zokucatshangelwa.
Bhalisa inothi lesethembiso lenhlangano
Okokugcina kokukhethwa kukho ukuthola imali eyengeziwe minyaka yonke ukuthola inkontileka kulokho okubizwa ngamanothi wesithembiso senkampani. Beza ukunikela ngamanani enzalo aphakeme kunezinye izindlela zokutshala imali ngaphandle kwengozi. Kumazinga lokho ibanga eliphakathi kuka-4% no-8% cishe nokuthi noma kunjalo kuzodingeka ukuthi ukukhishwa kwale mikhiqizo kubhaliswe kwiKhomishini Kazwelonke Yemakethe Yezokuphepha.
Le nketho, kunalokho, inenkinga yayo enkulu yokuthi ingumkhiqizo wokutshala imali ongaziwa kakhulu ngabatshalizimali abancane nabaphakathi. Futhi ngakho-ke abazi kahle ukuthi imishini yabo injani nokuthi isebenza kanjani empeleni. Ukufika ezingeni lokuthi banezinkinga ezinkulu zokubaqasha kusukela manje kuqhubeke. Yize empeleni zilula kakhulu ukuzicubungula nokuphatha uma unokufunda okuncane ezimakethe zabo. Kepha kungaba inketho enenzuzo enkulu uma wazi ukuthi ungawukhetha kanjani umzuzu wokwenza kwawo ngokusemthethweni. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusuka kuzisekelo zayo
Ama-akhawunti akhokha kakhulu
Lo mkhiqizo webhange uza ukunikela kuze kufike ku-5% kwezinye izinhlobo ezakhiwe ngamabhange. Ngesidingo sokuhlala amaholo noma imali engenayo ejwayelekile ngabasebenzi abaziqashile. Njengengxenye enhle yezikweletu zasekhaya (ugesi, amanzi, igesi, njll.). Ngaphezu kwalokho, lezi zinhlobo zama-akhawunti zithengiswa mahhala kunoma yiziphi izindleko ekuphathweni kwazo futhi zinikeza ukuguquguquka okuphelele ukuphatha ukunyakaza kwazo.
Lesi sigaba semikhiqizo yasebhange sinenzuzo enkulu esivunyelwe ukuba siphikisane nayo nge isamba semali esiphelele ku-akhawunti yakho yokuhlola noma yokonga. Ngaphezu kwalokho, ungakhuphula ibhalansi yakho ngokuya ngamathuba akho wangempela ngokuya ngeholo onalo njalo ngenyanga. Ngokwalokhu kubuka, kungumkhiqizo onethezekile kakhulu wezintshisakalo zakho noma zobungcweti ngenxa yokuguquguquka okuphezulu okuhlinzekwa yilesi sigaba sama-akhawunti akhokhela kakhulu futhi okuzosiza ukuthuthukisa inzalo oyinikezwa kusuka ebhange lakho elijwayelekile.
Uhlelo lokulondolozwa komuntu ngamunye
Futhi awukwazi ukudelela ukuzihambela wedwa lapho uhlela ukonga kwakho. Lokhu empeleni kusho ukuthi kuyinto efiseleka kakhulu ukuthi uthathe isinqumo ngeminikelo okufanele uyingenise ukuze wakhe uhlelo lokonga oluzinzile. esikhathini esimaphakathi nesikhathi eside. Lapho ukuvikeleka nokuzinza kwemali yakho kufanele kunqobe ngaphezu kokunye ukucatshangelwa okunolaka okungathinta ukufezeka kwale njongo oyifunayo. Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi inzuzo yayo enkulu ilele ekutheni uyakwazi ukwenza ukutakula nganoma yisiphi isikhathi. Zisefomethi engaphelele noma ephelele, ngokungaqondakali nangaphandle kwemikhawulo yanoma yiluphi uhlobo.
Ngenkathi ngokuphambene nalokho, kuyimodeli yokonga ehloselwe abantu beminyaka ethile nabathi ngandlela thile bacatshangwe ngesikhathi sabo umhlalaphansi. Njengokunye kweminye imikhiqizo efakwe corseted edinga ukuqondiswa okukhulu eminikelweni eyenziwe abasebenzisi. Kunoma ikuphi, kufanele kube nguwe onquma ukuthi kuyafaneleka yini ukubhalisela lolu hlobo lwemikhiqizo yezezimali. Kulokho okwenziwe njengethuba lokuthi ususondele kulezi zikhathi eziqondile.
Izixazululo ezinolaka ezingaphezulu
Okokugcina, kufanele futhi ukhumbule i- imikhiqizo eyinkimbinkimbi yokutshalwa kwezimali lokho kungakusiza ukuthi uthole imali eningi, kepha ngengozi yokuthi ungalahlekelwa yingxenye yeminikelo yakho yemali. Uma kwenzeka unquma ngale ndlela, ngeke ube nenye indlela ngaphandle kokwaba imali encane kule mikhiqizo. Ngokuqondile ngenxa yezingozi ezihilelekile ekuziqashiseni futhi ngalo mqondo kufanele ucabangele ukuthi liziphi iqhaza lakho kuzo. Ezimweni eziningi, zixhunyaniswe nezimakethe zamasheya nakho konke okushiwo yilesi sici esifanele.
Ukuze ekugcineni ufeze inhloso yakho oyifunayo yokuthi ekupheleni konyaka ibhalansi ye-akhawunti yakho yokuhlola iphakeme kunakuqala. Ngezinga elikhulu noma elincanyana kuya ngenzalo enqwabelene inyanga nenyanga. Ukwazi ngaso sonke isikhathi ukuthi kufanele uvuselele iphothifoliyo yakho yokutshala ngokuya ngesimo sezimakethe zezimali kanye nokuvela komnotho uqobo. Ukuze ekugcineni ufinyelele ethekwini elihle kakhulu lapho ungenza khona ukonga kube nenzuzo.