Inzuzo yemakethe yamasheya iyona amaholo etholwe ngokusebenza ezimakethe zezezimali. Umehluko owenziwe phakathi kwentengo yokuthenga nentengo yokuthengisa. Kodwa-ke, lokhu kuzuza kukhulu kakhulu, akuyona inetha njengoba abanye abatshalizimali abancane nabaphakathi bengadala. Ngoba empeleni, leli nani kuzofanele lehliswe lonke amakhomishini nezindleko ekuphathweni kwawo kanye nokunakekelwa okungangabazeki ukuthi lokhu kuhamba kuhamba. Ngaphandle kokukhohlwa impatho yentela imisebenzi ezoba nayo nokuthi ngokuya ngezimpawu zomkhokhi wentela kuzoba nomphumela owodwa noma omunye. Ngakho-ke, izinto ezithile zezinhlobo ezahlukahlukene kuzofanele zehliswe emalini etholakele ezimakethe zezimali.
Kunoma ikuphi, kuyinjongo bonke abatshalizimali abayifisayo, ngaphandle kokukhetha. Futhi lapho inzuzo enkulu inkulu, iba ngcono ngezintshisekelo zakho. Noma ngabe yiliphi igama lapho utshalomali lwakho luqondiswe khona: olufushane, oluphakathi noma olude. Njengephrofayili oyethula njengomthengisi, okungukuthi, unolaka, ophakathi noma olandelanayo. Zonke izindlela zokutshala imali ziholela ekuzuzeni imali. Ngalo mqondo, azikho izinqamuleli ezingenzeka futhi kuyingxenye yecebo elinamandla lokukhulisa izimpahla zakho siqu noma zomndeni.
Ngokwalo mongo ojwayelekile, kuyiqiniso ukuthi ezikhathini eziningi awazi ukuthi wenzeni ngezinzuzo zemali futhi noma kungamangaza kungakudalela enye inkinga ekuphatheni imali oyongile. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe ngisho nangombono oyisisekelo owethulwe izimakethe zezimali. Akumangalisi ukuthi kubaluleke kakhulu ukuphatha inzuzo etholakalayo futhi ngalokhu lezi zeluleko esizozidalula ngezansi zihloselwe zona. Ukuze ngale ndlela, usesimweni esihle kakhulu soku khulisa ibhalansi ye-akhawunti yakho yokuhlola kusuka manje. Okuphela kosuku ukuthi kuyini, njengoba wazi kahle.
Inzuzo eyinhloko: ukuyivuselela emakethe yamasheya
Isu lokuqala ongasisebenzisa kusukela manje kuye phambili kunakho konke futhi lingahle libe nolaka kakhulu. Ngokuyisisekelo iqukethe lezi zinzuzo ziyingxenye yenhlokodolobha entsha yokutshala imali. Ukuze ngale ndlela, ukhulise ikhono lakho lokukhiqiza inzuzo ku- ukuthenga nokuthengisa amasheya emakethe yamasheya. Lesi senzo singenziwa ngezindlela eziningi futhi esinye sazo sincike ekutshaleni imali etholakalayo ekutshalweni okusha. Kuyiqiniso ukuthi ngeke uyithokozele inzuzo, kepha ngokubuyisela uzoba nethuba elingcono kakhulu lokwandisa izimpahla zakho.
Elinye lamasu ongawasebenzisa kusukela kulo mzuzu kuqhubeke ukuhlala ezikhundleni zakho. Okungukuthi, ungathengisi amasheya ngakho-ke ungaqhubeka ukhuphule umholo wakho nakakhulu. Kodwa-ke, lolu hlelo lunobungozi obufihlekile futhi omunye wabasolwa kakhulu ukuthi inhlanhla ingashintsha nganoma yisiphi isikhathi. Ukufika lapho umkhuba uphenduka futhi uze uye esimweni esiphambene, okusho ukuthi, ulahlekelwa yimali. Kunoma ikuphi, kuyingozi ukuthi kufanele ugijime ngokusebenzisa le phrofayili yabatshalizimali abanolaka. Yize esikhathini eside esizayo, nakanjani uzonqoba kulokhu kungqubuzana onakho ngokumelene nezimakethe zezimali.
Jabulela inzuzo ngokushesha
Noma kunjalo, ikhambi elilula onalo ukuthengisa amasheya. ushintsho oluhle ukuze ukwazi ukujabulela ukuzuza kwemali. Ukuzinikeza isifiso esincane, ukuthatha uhambo lokuya phesheya noma ukumane wanelise izifiso zomthengi wakho. Ubuhle baleli su ukuthi lihlala libonakala noma okufana nalokho uzoba nomvuzo ngomsebenzi wakho wokutshala imali. Akumangazi-ke ukuthi, ukuthambekela okuvame kakhulu kwabatshalizimali abancane nabaphakathi naphakathi kokunye ukucatshangelwa. Ngoba ekugcineni kosuku imali ukujabulela futhi isikhwama siyithuluzi lokufeza ngempumelelo lezi zifiso ezifiselekayo.
Ngakolunye uhlangothi, awukwazi ukukhohlwa noma yikuphi ukuthengisa amasheya ngesilinganiso sokushintshisana okuhle kakhulu ezimakethe zezezimali. Lokhu kutholakala ngokwenza ukuthengisa ngentengo oyinikezwe nguwe, yona ekuthanda kakhulu ngaso sonke isikhathi. Ngenhla kwalokho okuthiwa amanani emakethe lokho kukhawulela ukusebenza njalo, njengoba wazi wena. Akumangalisi ukuthi kuyindlela yokusheshisa ukuzuza kwemali ngaphezulu. Ikakhulu uma kukhulunywa ngokuhlinzwa okwenziwa ngesikhathi esifushane kakhulu. Lapho umehluko phakathi kwentengo yokuthenga nentengo yokuthengisa cishe uhlala uphansi njalo.
Thatha isikhundla esiphakathi
Emakethe yamasheya, akuyona yonke into emnyama nomhlophe kodwa kukhona anhlobonhlobo shades ongayisebenzisa ukuphatha inzuzo etholakalayo ezimakethe zezimali. Phakathi kwazo, okunye okujwayelekile yilokho okubhekiswe ekwabeleni inzuzo ngokulingana kumasu adalulwe phambilini. Lokho wukuthi, unganikela uhhafu wemali yezifiso zakho siqu noma ngisho nokuphakamisa ukuxhaswa kwakho kwemali. Ngenkathi ingxenye esele ingasetshenziselwa ukuqhubeka emkhakheni wokutshala imali ukuzama ukuqhubeka nenhlanhla elingelayo futhi uthole inzuzo enkulu yemali.
Enye yezinzuzo leli qhinga elikhethekile elikunikeza lona ukuthi ungahlala njalo gcina izindlela ezimbili ezivezwe ngaphambilini. Kumaphesenti wena uqobo owabona efaneleke kakhulu ngaso sonke isikhathi. Ukuthi ungabeka engcupheni inzuzo yakho ngaphezulu ezikhathini lapho ukuthambekela okujwayelekile kwemakethe yamasheya kucaca ngokuqinile. Ngale ndlela, awungabazi ukuthi uzoba namathuba amaningi okuthatha imali ethe xaxa ezimakethe zezezimali. Yize kulezi zimo ezithile, kuzobe kunguwe okufanele uthathe isinqumo sokuthi uzoyaba kanjani imali kusuka manje.
Izabelo ezitshaliwe
Esinye sezibonelo eziphawuleka kakhulu zalo mkhuba emkhakheni wokutshalwa kwezimali simele ukusatshalaliswa kwezabelo. Awukwazi ukukhohlwa ukuthi lo mholo wabaninimasheya awahlali ekhokhwa ngokheshi. Ngoba okuphambene nalokho, ungaqondiswa ukukhulisa utshalomali lwakho ngezenzo ezintsha. Yilokhu izinkampani eziningi ezisohlwini lwenkomba yokuma kwezimakethe zamasheya zaseSpain, i-Ibex 35, ezenza zichazwe kahle: umuntu olondolozayo ofuna ukuletha izimali zakhe esikhathini esimaphakathi neside.
Ngale ndlela, umphumela osheshayo walolu hlelo lokuphatha ukuthi kusukela ngaleso sikhathi kuqhubeke, imali yokutshala imali izobe iphakeme kakhulu kunakuqala. Akumangalisi ukuthi uzoba namasheya amaningi ngenxa yokusetshenziswa kwalezi zinzuzo ezikhethekile. Kubhalwe njengo Iberdrola, Repsol noma amanye amabhange amakhulu ekwenza kaningi njalo ngonyaka. Ngakho-ke, ngomzuzu wokuqala ngeke ube naleyo mali ngokushesha ku-akhawunti yakho yokuhlola. Uma kungenjalo, ngokuphambene nalokho, kuzodingeka ulinde isikhathi eside ukuze uphinde uyithole, yize mhlawumbe unemali ephakeme.
Shintsha umkhiqizo wezezimali
Ngakolunye uhlangothi, futhi ungasebenzisa izinzuzo zemali ukutshala imali kweminye imikhiqizo yezezimali noma yasebhange. Isibonelo, imali yesikhathi, izimali zokutshala imali, amabhondi azimele noma ahlelekile. Kuzoba indlela yasekuqaleni yokwenza qala futhi, okungukuthi kusuka ekuqaleni. Ngezinjongo ezintsha ezizuzwe ngale misebenzi. Kuyimodeli exubile lapho ingxenye enhle yabatshalizimali abancane nabaphakathi bewela khona. Akungcono noma kubi kakhulu kunangaphambili, kepha kunalokho kuyindlela ongazikhethela onayo kuye ngobungozi ofuna ukubuthatha kusukela manje kuqhubeke. Ungancika kwizimali, kodwa futhi nasemalini engenayo engaguquki noma kusuka kwezinye izindlela ezihlukile noma ezingavamile ekutshalweni kwakho.
Kunoma yiziphi izimo, ukukhetha kwalolu khetho ngeke ikuvumele ukuthi uthokozele izinzuzo ezinkulu, njengoba nje kungenzeka isifiso sakho esiseduze. Uma kungenjalo, ngokuphambene nalokho, uzoqhubeka nokuxhunyaniswa nomkhakha wotshalo-mali, ngandlela thile, ngokuya ngempahla yezezimali ekhethwe ekugcineni. Lokhu kwenziwa abantu abaningi ukugwema ukuthi imali yabo imiswe ngokushesha. Uma bengazami ukwenza njalo, kufanele baqhubeke nokuthola imbuyiselo engcono emalini yabo, okunengqondo kakhulu.
Kunoma ikuphi, isisombululo esiphethe ubungozi obuncane ukuqondisa lelo nani kumkhiqizo wemali engaguquki odala imbuyiselo encane yonyaka futhi noma ngabe mncane kangakanani. Cishe i-1% noma i-2%, ngenxa yemali eshibhile yinhlangano ekhipha izinhlangano zomphakathi. Vele, kuyinto ongayicabangela kusukela kulo mzuzu ngaphandle kokufaka engozini umholo wakho. Ukuze ngale ndlela, ungazibeki engcupheni nakancane ivolumu yenzuzo oyitholile ezimakethe zezimali. Hhayi kuphela emakethe yamasheya, kodwa ngeminye imikhiqizo yezezimali evela kuma-equities ngezindlela zawo ezibanzi zokutshala imali.