Akungabazeki ukuthi isisindo senqubomgomo yemali siya ngokuqhubeka sithonya ukuvela kokutshalwa kwemali kwakho. Kufike ezingeni lokuthi ingenza noma ilahlekelwe yimali ngokuya ngezinqumo zakho. Hhayi kuphela maqondana nendawo ye-euro. Kepha futhi ngakolunye uhlangothi lwe-Atlantic. Isisindo sesici semali sithatha izehlakalo ezinkulu eminyakeni yamuva. Bonke abahlaziyi bezezimali bayazi ngezinqumo ezithathwe ku I-European Central Bank (ECB) noma iFederal Reserve yase-United States (FED). Akumangalisi ukuthi ingxenye enkulu yokunyakaza kwamasheya omhlaba incike ezenzweni zabo.
Kulesi simo esejwayelekile esethulwe yinqubomgomo yemali ezingeni lamazwe omhlaba, ukwehliswa kwesikhuthazi okulindeleke ukuthi unyaka omusha uthole amandla akhethekile. Ngalo mqondo, amabhange amakhulu asilindele noma yisiphi isibikezelo sezomnotho ngonyaka we-2018. Izinqubomgomo kule ndawo yezomnotho ziyaqhamuka njengenye yezikhiye zezomnotho okuzodingeka ukuthi zibhekelwe unyaka ozayo. Kuze kube seqophelweni lokuthi izonquma ukungena kwakho noma ukuphuma kwakho ezimakethe zezezimali. Ngisho nasezingeni lentengo lapho uzokwenza khona imisebenzi ibe semthethweni. Umsebenzi lapho kufanele ube nesiko elikhulu lezezimali kunamanye amasu okutshala imali.
Esinye sezibonelo ezisobala kakhulu simelwe yi I-European Central Bank (ECB). Ngaleso sikhathi isivele imemezele ukuthi inani lanyanga zonke lohlelo lwayo lokuthenga izikweletu zomphakathi nolwangasese luzokwehla lisuka kwizigidi ezingama-60.000 laya ku-30.000 ngenyanga. Kodwa-ke, akuqinisekile nokuthi leli qiniso lizokhula ngonyaka ozayo. Akumangalisi ukuthi kunamazwi amaningi axwayisa ngalokhu ukunciphisa ingaqhuba ukunyuka kwezinga lenzalo ngonyaka we-2019. Kunoma ikuphi, kuya ngesicelo sayo, kuzozwakala kakhulu noma kancane ezimakethe zezimali.
Inqubomgomo yemali: imali engenayo engaguquki
Akuyona yonke into ekutshalweni kwemali eyehlela ezimalini, kude nayo. Kepha futhi kufinyelela emalini engenayo njengenye yezindlela abanye abatshalizimali abancane nabaphakathi abanazo. Ngalo mqondo, iyimpahla esengozini kakhulu ngoba inomthelela kulezi zikhathi lapho amazinga wenzalo ehlala ephansi njalo. Yize ukuvuka okuncane sekuvele kutholakala kuleli klasi le- imisebenzi engenayo engaguquki. Njengesibonelo, kumikhiqizo yasebhange yempilo yonke (imali yesikhashana, ama-akhawunti akhokha kakhulu noma amanothi wesethembiso ezinkampani). Yebo, okwamanje abavamile ukudlula umkhawulo ongu-1%.
Ngakolunye uhlangothi, kuyaphawuleka futhi ukuthi inqubomgomo yemali inethonya eliphelele ekuziphatheni kokukhula emazweni. Kuze kube seqophelweni lokunikeza imihlahlandlela ngamasu okumele uhulumeni awasebenzise. Kungashiwo ukuthi abanye inzalo ephansi izuzisa abatshalizimali. Ngenkathi kwenzeka okuphambene nalokho, izisulu ezinkulu zingabasindisi. Hhayi ize, balahlekelwa amandla okuthenga ngenkontileka yemikhiqizo yasebhange efanele kakhulu. Ngakho-ke, kukhona ukwehluka okubalulekile phakathi kwezinhlaka ezahlukahlukene zenqubo yezomnotho.
Umthelela kuma-equities
Okunye ukucatshangelwa okuhluke ngokuphelele yilokho okuxhunyaniswe nezimakethe zezimali. Ngoba inqubomgomo yezomnotho yamanje yamanani aphansi idale ukuthi imakethe yamasheya yazise kuyo yonke le minyaka. Naphezu kwakho konke, amanani awathandeki neze emakethe yamasheya. Ngokwezinga lapho amathuba amakhulu kakhulu ebhizinisi afakwa ezimakethe ezisafufusa. Kungalezi zikhathi lapho kutholakala khona amandla amakhulu wokubuyekeza. Ngenxa ye- ukuncipha kwezimakethe zezimali zasentshonalanga. Kwezinye izimo, ngaphezu kwezinga le-10%. Njengesibonelo, emazweni athile ase-Asia noma eMpumalanga Yurophu.
Kodwa-ke, ukusetshenziswa kwaleli su ekutshalweni kwemali kudinga izingozi ezinkulu ekusebenzeni. Kuyiqiniso ukuthi ungathola imali ethe xaxa, kepha ngenxa yalezi zizathu ungashiya imali eningi kulolu hambo olukhethekile lwemali. Kokunye, ngakolunye uhlangothi, lapho uzophila ngakho kusukela manje kuqhubeke. Ukuphakama kwenzuzo, kukhuphuka izingozi ukuthi kuzofanele uthathe kusuka manje. Yize ngakolunye uhlangothi, ingxenye enhle yabahlaziyi bezezimali ibheka ukuthi inani eliphambili lalezi zikhundla liseYurophu nase-United States. Izimakethe ezingabamukeli abakhulu beminikelo yakho yezezimali.
Kuthuthuke kakhulu iFederal Reserve
Mayelana nenqubomgomo yokukhuphula inzalo, akukho kungabaza ukuthi kukhona omunye umehluko maqondana necebo lemali elenziwa ezinhlangothini zombili ze-Atlantic. Ngoba empeleni, iFederal Reserve yase-United States of America ithuthuke kakhulu futhi inawo wonke amavoti okuqala inqubo yokujwayelekile yamanani wenzalo yonyaka wezimali olandelayo. Ngomthelela wangaphambilini kuzimpahla ezehlukene zezezimali. Kokubili kulokho okushiwo kumholo ohleliwe, njengakwimali engenayo eguquguqukayo. Kepha nakwezinye izimakethe ezihlukile zezimali, ezinjengemali enophawu lwenye yezinto ezifanele kakhulu.
Okwamanje alukho ushintsho olukhulu olulindelekile entengo yalo ngoba yizinyathelo ezilandelwayo kulindeleke ngabenzeli abahlukile bezomnotho. Lokhu kuzosebenza ngendlela yokuthi ngeke ube nezimanga ezeqisayo lapho utshale izimali zakho uma ubhekene nale ndawo kanye nakwezinye izimakethe zezimali ezikhethiwe. Akumangalisi ukuthi lezinhlangano kulindeleke ukuthi zihlale ezinsukwini ezimbalwa noma emasontweni ambalwa ngemuva kokwenza amacebo ezinhlaka zezimali zezwe ngalinye noma indawo ejwayelekile yomnotho. Ukusuka kuleli phuzu lokubuka akufanele ube nezinkinga ezeqile ukugcina imali oyitshalile kusukela manje kuqhubeke.
Amandla wokuhlaziya
Kunoma ikuphi, into ejwayelekile kulawa macala ukuthi uqhubeke nokuthola inzuzo ngalezi zimpahla zezezimali. Noma mhlawumbe kungenjalo ngamandla kuze kube manje. Ngengozi ephansi uma kuqhathaniswa nezimakethe zezwekazi elidala. Ngalo mqondo, ababaningi abahlaziyi bezimakethe abacabanga ukuthi le miphumela ibivele ikhona kwehlisiwe kumanani entengo. Okungenzeka ukuthi kwenziwe ngemuva kwezikhathi ezimbalwa zokuhweba ezinyangeni eziyishumi nambili ezedlule. Kunoma ikuphi, ngeke usaba nezinkinga ezibaluleke ngokukhethekile. Kunalokho, kunalokho, kuyinqubo yokuthi i-priori ilawulwa yi-Federal Reserve yase-United States.
Lokhu akusho ukuthi kusukela manje kuqhubeke, amasheya angeke akunikeze ukwethuka okuyinqaba. Ngoba ngeke kubenjalo, kepha kuzokhiqiza ushintsho ezinsukwini ezimbalwa zenziwe ngokusemthethweni. Ngaphandle komkhuba imakethe yamasheya yaseMelika eyayinawo ngaleso sikhathi. Okwamanje iyathuthuka ngerekhodi lomlando elifinyelele kulezi zinyanga. Isimo ebesingeke sifike ukube ukwahluka kunqubomgomo yezimali bekukukhulu kakhulu kunalokho obekuke kwaba yikho ekugcineni. Noma kunjalo, kuyisibonakaliso esizokusiza ukuthi wazi ngokuthembeka okukhulu yimaphi amazinga wokungena nokuphuma ezimakethe zezimali. Ngale ndlela, nokwandisa yonke imisebenzi oyivulile.
Linda kuzoni ye-euro
Lesi simo siphikisana ngokuphelele nalokho okwenzeka ngempela kumalungu e-European Union. Lapho izinsuku zingacacile kangako futhi kungavela ezinye izimanga. Phakathi kwezinye izizathu, la magama aguquguquka kalula futhi angasebenza ukuhlala isikhathi. Yize imiphumela yayo izosebenza ngokwengeziwe. Nengozi elandelayo yokunyakaza emakethe yamasheya. Kufanele futhi utshele ukuthi kuyinto engenzeka futhi ngemali engenayo engaguquki kanye nolunye utshalomali. Ngokulawula okukhulu kuyo yonke imisebenzi yakho ukuze ukuphepha kufakwe esitatimendeni sakho semali engenayo.
Kunoma ikuphi, akukho okungcono ukwedlula ukwazi zonke izimpawu ezithi izingqungquthela zikamongameli we-European Central Bank (ECB), wase-Italy UMario Draghi ngezinhloso zokushintsha inqubomgomo yemali yale ngxenye yomhlaba. Izosebenza ukuze usesimweni esingcono sokuvuselela noma sishintshe iphothifoliyo yakho yamagugu ukwenza ngcono imiphumela yokutshala kwakho imali. Kuyisu elihle kakhulu ongalisebenzisa ukulindela lokhu kuhamba ezimakethe zezimali. Ngoba futhi ngeke kube nzima kakhulu ukuwenza ngoba ayatholakala kakhulu engxenyeni enkulu yemidiya ekhethekile.
Kubukeka sengathi ukwehliswa kwezinga lenzalo kuzodingeka kulindwe izinyanga ezimbalwa, kodwa okwamanje alukho usuku oluqondile lokuqala lesi sinqumo esibonakala sesivele sithathiwe ngabaphathi bezimali bezwekazi elidala. Ngoba isinqumo esizedlula zonke sokuvikela izintshisekelo zakho sizosuselwa ekuzameni ngazo zonke izindlela ukulindela izehlakalo ezingavela kusuka manje. Ngenye yezinjongo zakho eziyinhloko emhlabeni wokutshala imali.