Uma kunenhlangano yezinkampani ezinye zezinkampani ezibalwe kumholo ezihambayo okuguquguqukayo lokho akuyona enye ngaphandle kokukhuphuka kwemali. Kuyinsakavukela ukuthi ngezikhathi ezithile kuba nokusha ngalomqondo, lapho izinkampani ziphendukela kuleli su njengendlela yokuzixhasa ezimakethe zezimali. Kumele ubuyekeze ukuthi zingaki izinkampani ezikhethe lolu hlelo eminyakeni yamuva. Hhayi lezo zongxowankulu abancane kuphela, kepha nezinye ezivela kunkomba ekhethiwe yemakethe yamasheya yaseSpain.
Kodwa-ke, impikiswano ivela ngesikhathi lapho abatshalizimali abancane nabaphakathi behlola ukuthi ngabe lezinhlangano zenkampani zinenzuzo yini ezithakazelweni zabo. Futhi okubaluleke kakhulu, uma kunjalo kungakuhle ukuthi uhambe ekwandisweni kwemali emenyezelwe yizinkampani ezibalwe kumanani Kungenzeka kube khona imibono ngakho konke ukuthanda, kepha iqiniso ukuthi akutholakali kahle ezimakethe zezezimali. Njengoba kukhonjisiwe eminyakeni yamuva.
Eminyakeni yamuva, izinkampani eziningana ezibalwe zidlule kule nqubo yebhizinisi eyingqayizivele. Kwezinye izimo, njengomtshali-zimali, ukwazile ukuzuza. Kepha kokuningi, ngokwehla okungenzeka kube khona ezikhundleni zokutshala kwakho imali. Ukufika lapho imali inyuka kulabo abahlomula kakhulu yizinkampani eziphethe ukuzenza. Futhi hhayi kuzo zonke izimo. Ngenkathi abaninimasheya abancane, njengakwakho, bengaphumi kahle kulezi zimo. Njengoba uzoba nethuba lokuqinisekisa kusukela manje kuqhubeke.
Kuyini ukwanda kwemali?
Okokuqala, kuzodingeka ukuthi wazi ukuthi yini le nhlangano yenkampani equkethe konke ukushuba kwayo. Ngoba empeleni, kungukusebenza kwezezimali kokuhambisana okuthile okuhlose ukukhulisa izinsiza zomphakathi ukuze ukwazi uku xhasa izimali ezintsha. Basebenzisa amasu ahlukahlukene ukubayisa esikebheni. Kungokukhishwa kwamasheya amasha noma ngokukhuphuka kwenani eliphansi lamasheya akhona. Kwezinye izimo zithakazelisa kakhulu ukubhalisa kunezinye izimo.
Kunoma ikuphi, kunento eyodwa ebaluleke kakhulu okufanele uyazi. Akukho okunye ngaphandle kokuthi kufanele kwenziwe kube semthethweni lapho i- izikhundla njengamasheya ziyaqiniswa. Noma yini efanayo, lapho ngokusebenzisa lo msebenzi uthola imali etshalwayo ukuthi inyuke, okungenani ngokuphawulekayo. Kodwa-ke, lokhu akwenzeki njalo, futhi kungenzeka kwenzeke ukuthi ulahlekelwe yimali ngalokhu kuhamba kwenhlokodolobha. Ikakhulukazi uma utshalomali lwakho luhlose imigomo emifushane.
Elinye icala elihluke kakhulu ukuthi uma imigomo yaphakade igxile ezinkathini ezinde: eziphakathi nezide. Kulezi zimo, ukusebenza ngokuvamile kunenzuzo enkulu kakhulu. Ikakhulukazi uma bengakhuliswa ngogibe oluthile oluncane lwezinkampani eziphethe ukukhangisa ngazo. Kuzo zonke lezi zimo, into ebaluleke kakhulu kwizintshisekelo zabatshalizimali abancane nabaphakathi ukungayi ekunyuselweni kwemali. Kungaba nokuqondakala impela lokho thengisa izikhundla kwezibambiso ezitholakala kulesi simo.
Ukwanda: ukunyakaza kwakamuva
Sekudlule izinsuku ezimbalwa kumenyezelwe ukwanda kwemali eyedlule. Ngoba impela, inkampani yokwakha I-Quabit ezinsukwini ezimbalwa ezedlule ikhuthaze ukwanda kwemali ebiza ama-euro ayizigidi ezingama-38. Ngenhloso yokuxhasa ingxenye yohlelo lwayo lwebhizinisi eminyakeni emihlanu ezayo kuze kube ngu-2021. Kulesi senzakalo, sisekelwa ngabaninimasheya abakhona njengamanje. Yize kusazobonwa ukuthi lesi silinganiso sizothinta kanjani izikhundla zabatshalizimali bale nkampani.
Kunoma ikuphi, kuningi izinkampani ezincane abadlule kule nqubo ekhetheke kakhulu eminyakeni yamuva. Ngemiphumela engemihle kakhulu kuzintshisekelo zakho. Akumangalisi ukuthi baholele ekwehleni kwamanani abo. Kwamanye amacala ngaphansi kwamaphesenti amakhulu kakhulu. Lapho abagibeli beshiye khona ama-euro amaningi endleleni. Okuwukuphela kwesixazululo onaso sokugwema lezi zimo ezilimazayo ngeke nje sikhulise nganoma iyiphi indlela.
Ukuphepha kwamanani okuqala, okusho ukuthi, kubhalwe ohlwini lwezinkomba zemakethe yamasheya aseSpain, i-Ibex 35, nawo adlule kulesi simo. Ezinye zezibonelo ezivelele kakhulu yilezi IBanco Santander, FCC noma iSacyr. Le yimiphumela exubile yabaninimasheya abancane. Lapho engxenyeni enhle yezikhathi ekugcineni bakhethe ukuthengisa amasheya abo, baze bathathe nezinga elithile lokulahleka. Njengoba mhlawumbe kungaba icala lakho.
Kufanele usebenze kanjani?
Ngaso sonke isikhathi lapho kwenzeka lesi simo, awunakukhetha ngaphandle kokulalelisisa okufanele ukwenze. Ngoba impela, kufanele wenze ngejubane elikhulu. Akumangalisi ukuthi izinqubo zebhizinisi zakhiwa kakhulu isikhala esincane sesikhathi. Kuyiqiniso ukuthi ibhange lapho ubeke khona iphothifoliyo yakho yezokuphepha izoba nesibopho sokwazisa leli qiniso elifanele izindaba, ikakhulu ngencwadi, nange-imeyili. Kepha kukho konke, ngeke kube ngumqondo omubi ukuthi wazi okwenzeka ezinkampanini lapho unezikhundla ezivulekile khona.
Uzoba nesikhathi esifushane sokucabanga ukuthi kufanele yini ukuya kulolu hlobo lokunyuka kwemali. Kungaba lusizo olukhulu uma ungabonisana nochwepheshe kulolu hlobo lwemisebenzi yezezimali. Noma ngisho kusuka ebhange lakho elijwayelekile. Bazokunikeza ukukhanya ukuze wazi ukuthi yini ongayenza kulezi zimo. Lapho usuthathe isinqumo esicacile, kuzofanele wazise isikhungo sezezimali lapho uthenge khona amasheya. Unomnqamulajuqu oqine kakhulu ukwenza isinqumo.
Ukuphendula kwesitoko
Enye into okufanele uyicabangele ukuthi intengo yamasheya izoguquka kanjani ngemuva kokuqala kokukhuphuka kwemali. Yebo, imvamisa lungisa amanani abo phansi. Lokhu kusebenza kusho ukuthi uzolahlekelwa yimali ezikhundleni zakho kuma-equities. Kwezinye izimo, ngaphezu kwalokho okungacatshangwa ngabatshalizimali abancane nabaphakathi. Kuzofanele ulinde izinyanga eziningi ukuthi isaphulelo sibuyele ezingeni lentengo yaso. Yize kungenzeka bangaphinde bakwazi ukukwenza futhi kuzimo ezithile.
Kuzoba ngaphezu kokudingekile kuwe ukuthi uhlaziye ukuthi isikhathi sakho sokuhlala sizoba yini: esifushane, esiphakathi noma eside. Akumangalisi ukuthi ikakhulukazi kuzonquma isinqumo okufanele usenze kusuka kulezo zikhathi. Okunye ukuguquguquka okungenzeka uma ungaya kufayela le- ukukhuphuka kwemali eyingxenye yamasheya akho. Yebo, yebo ungakwazi. Yize enye into ehluke kakhulu ukuthi ngabe leli su lizoba nenzuzo ekutshalweni kwemali. Kungcono kakhulu ukuthi uthathe isinqumo esinamandla kakhulu: konke noma i-nasa. Kulula kanjalo ngakho-ke awukuphikisi ngokweqile lokhu kuhamba esikhwameni.
Ingabe le misebenzi ibiza imali?
Kanjalo, ukukhushulwa kwemali enkulu ngeke kudinge noma iyiphi ikhomishini noma izindleko ekuphathweni noma ekugcineni. Okunye okuhluke ngokuphelele ukuthi ukubhalisela amasheya amasha okufanele uwathenge ngenani elithile. Kunoma yikuphi, ngokubalulekile Isaphulelo maqondana nentengo yezilinganiso zakho. Kufika ezingeni lokuthi kungaba umsebenzi ozuzisa kakhulu ukukhulisa ukonga okutsaliwe. Ngenye yezici okufanele uzindle ngazo ngomoya ophansi futhi ngasikhathi sinye nokuqonda.
Yize kuliqiniso ukuthi lokhu kusebenza ezimakethe zezimali ngeke kubandakanye noma yimiphi imizamo yemali. Ubuhle mayelana nenzuzo ongayithola uma ukhetha lokhu kuhamba kwenkampani nakho kuyabonakala. Ngoba impela, ekuhambeni kwesikhathi ngiyakwazi ukulimala okungaphezu kokukuzuzisa. Kuzoba ngumbuzo wokuthatha i-calculator nokwenza inombolo kulokho ongakuthola noma ongakutholi kulesi sinqumo sebhizinisi. Akumangalisi ukuthi bazokuthengisela yona njengenkampani njengento ezuzisa kakhulu ezikhundleni zakho. Kepha empeleni ngeke kube kangako, kude nayo. Kwanele ukuthi uhlole ukunyakaza kokugcina kwalezi zici. Iqiniso lizohluka kakhulu kunalokho abakutshela khona.
Ukwenza ukwanda kwemali kungaba yisinqumo esibalulekile ngekusasa lenkampani. Kepha lokho akuhlangene nakancane nezintshisekelo zakho njengomninimasheya, kungasaphathwa ukuthi ngumtshalizimali omncane. Yize ngokombono wezinhlangano zebhizinisi imele a ukwanda ku-lizinsizakusebenza yomphakathi ukuze ubhekane ngempumelelo nezinselelo ezibhekelwa ikusasa.
Kepha kuleli qophelo, kuzoba isikhathi esifanelekile sokuzibuza ukuthi hlobo luni lomphumela onalo ngawe. Ukuthi kuze kudingeke ukuthi ubheke ukuthi ngabe kufanele wenze lo msebenzi. Kungaba yisinqumo esinzima kakhulu ukusithatha ngesikhathi esifushane kangaka. Kunoma ikuphi, kuzoba yinto engokwemvelo kakhulu lapho uzophila ngayo ezimakethe zezimali. Yize kwamanye amasheya ebaluleke ngaphezu kwamanye. Zizoba izingozi okuzodingeka uzithathe uma ekugcineni uthatha izikhundla kuzo. Lo msebenzi ungahle noma ungakulungeli. Ngeke wazi ngempela.