Uma kufanele ufunde okuthile emakethe yamasheya, ngukuthi kufanele ube nokusola kakhulu lapho wenza izinqumo ngezifiso zabantu besithathu. Ukube bekungekho ngalesi senzo sokuvikela, impela abatshali zimali abangaphezu koyedwa bebengacekelwa phansi ekutshalweni kwabo ekuqaleni konyaka. Inkinga yezomnotho, ekupheleni kuka-2007. Ngoba kwakukhona abahlaziyi abaningi bezezimali ababikezela ukuthi kwakuyisikhathi esihle sokuvula izikhundla emalini. Ngisho nokubhekisa ku- amanani ezitokisini eziningi zazishibhile.
Kuyingozi ukuthi abatshalizimali abaningi abancane nabaphakathi bagijime, mhlawumbe ngokwesimo sakho. Akumangalisi ukuthi kuyicebo elithile lokungaqiniseki lezinye izinkampani zokulamula ezezimali ukuthengisa izikhundla zazo. Lokhu kuhambelana ne- izincomo ezivela kwabanye abathengisi ngomqondo wokuthi imakethe yamasheya njengamanje isendleleni ebheke phezulu okungenani eyi-10%. Isinqumo esinzima kakhulu ukusithatha esimweni sezulu samanje samazwe omhlaba.
Kungenzeka konke kubangelwe isu elibucayi lalezi zinkampani ukukhipha iphepha kancane kancane nokuthi liya kubatshali zimali abancane njengawe. Kuyinto eyenzeka ngemvamisa ethile kusukela lapho Izintshisekelo zezandla ezinamandla zezimakethe zezimali zinqoba ngaphezu kwabathengisi. Kuze kube seqophelweni lokuthi laba yibo okufanele balahlekelwe kakhulu kulezi ezikhetheke kakhulu, kodwa ngasikhathi sinye izimo eziyingozi ukuvikela izikhundla zakho emalini. Njengoba kukhonjisiwe eminyakeni yamuva.
Ukuhlaziywa okuhle emakethe yamasheya, ngani?
Vele kunencazelo enengqondo ngalezi zimo. Kususelwa eqinisweni lokuthi abatshalizimali abakhulu banamathela ezifundweni ezithile eziyisisekelo emhlabeni wemali. Ngoba impela, uma okuthile kufundwa emakethe yamasheya, yilezo zandla ezinamandla bathenga phansi bathengise. Lokhu empeleni kufakazelwa iqiniso lokuthi okuphambene kwenzeka. Lokhu kusho ukuthi, ngenkathi izimali ezinkulu zokutshala imali zihlehlisa izikhundla zazo ezindaweni eziphakeme kakhulu zomkhuba, kubatshali zimali abancane nabaphakathi bakhiqiza ukunyakaza okuhlukile. Ngokungena kulezi zikhundla nokulungisa ukuzinza okuthile emthethweni wokuhlinzekwa nokufunwa.
Lo mkhuba ufaka ukulahleka okukhulu kwalaba bakamuva, noma okungenani nge amandla aphansi kakhulu okwazisa kulokho okufanele kube khona. Akumangalisi ukuthi kukhona ukuphazamiseka okuthile ekungeneni nasekuphumeni kokuhamba ezimakethe zezimali ezilinganayo. Ngoba impela, uma okuthile kucace bha kulesi simo esithile ukuthi akuzona zonke izinhlangano zokulamula ezezimali ezihamba neqiniso elingaphambili. Awukwazi ukukhohlwa ukuthi kunezintshisekelo ezifihliwe ongazigcina. Kufika ezingeni lokuthi bangaba nentshisekelo yokungena noma yokuphuma kunani elithile lomholo oguqukayo.
Ngalo mqondo, ngeke ube nokhetho ngaphandle kokugxila phambili phambili kuzo zonke izenzo zakho. Futhi uma kungenzeka, isu lakho elihle kakhulu ukuqhathanisa izincomo nabanye abalamuli emhlabeni wezezimali futhi, ikakhulukazi, utshalomali. Kungenzeka ukuthi kusukela manje uthole ukumangala okungaphezu kokukodwa lapho uqoqa lolu hlobo lolwazi. Ngokuhlaziywa okuhluke ngokuphelele kunani ngalinye lamanani elihlaziyiwe. Kuzoba kubaluleke kakhulu ukuze ukwazi ukuthatha isinqumo sakho ngeziqinisekiso ezigcwele. Noma okungenani ukuvimbela izimo eziyihlazo ngempela zezintshisekelo zakho emakethe yemali. Into okungebona bonke abatshalizimali abathengisayo abakwazi ukuyizuza.
Kungani kusale abaningi ekuhlaziyweni?
Okunye kokungabaza ozibuza ngakho njalo yisizathu salokhu kwehlukahlukana okubanzi okunikelwa ngabathengisi bamazwe ababaluleke kakhulu. Ngoba impela, awusoze wakhohlwa ukuthi izenzo zabo zibangelwa i- izintshisekelo zokuhweba noma zebhizinisi kuphela. Ikakhulukazi uma ungewona ngisho namakhasimende abo futhi ungenabo nobudlelwano nabo.
Inhloso yomhlaziyi ingaba okuphambene nokubikezela. Ngezinjongo ezifihliwe abambalwa kakhulu abatshalizimali abancane nabaphakathi abakwaziyo ngempela. Kumele uhlole ezinye zazo ukukhombisa imiphumela yazo ezimakethe zezezimali. Noma ngabe unenkumbulo ethile ungakhumbula ukuthi kwenzekeni Amasheya kaTerra. Babedayisa ngamazinga ayi-120 Euro kanti abanye babo babenombono wokuthi ashibhile. Okwenzeke kamuva kuyaziwa kubo bonke abasebenzisi be-stock market. Uma kungenjalo ngoba ezimweni eziningi zonakaliswe ngendlela emangalisayo futhi engaqondakali.
Amacala afana nakaTerra agcwele emlandweni omude wezimali. Akudingeki nokuthi uhambe isikhathi eside kangaka ukuthola ezinye zalezi zilungiselelo. Ngoba impela, kufezekile nangezenzo zabasanda kunyamalala I-Banco Popular. Lapho amazwi abanye babahlaziyi abadumile bezimakethe zezimali ayengasweleki, abathi ukufaka inani kuyithuba elicacile lokuthenga ngalezo zikhathi eziqondile. Kungwenela ukuya kumtapo wezincwadi wephephandaba ukuthola ezinye zalezi zibonelo ezivune isinqumo sabatshalizimali abancane nabaphakathi ngomqondo omuhle.
Ukuzijwayeza okujwayelekile
Kunoma ikuphi, icala leTerra alikho ngandlela thile, kude nalo. Enye yezinto ezibucayi kakhulu yayihlobene nekhemistri eminyakeni embalwa edlule Usilika waseBarcelona. Lapho kuthengiswa cishe ama-euro amabili ngesabelo ngasinye, bekunconywa kakhulu ngabahlaziyi bezimakethe zezimali ezithile. Akumangalisi ukuthi kulesi siphakamiso semali babona ukubheja okucacile ukwenza ukonga kube nenzuzo. Ezinyangeni ezimbalwa kamuva, beshiya izimakethe futhi ngale ndlela, abatshalizimali abancane nabaphakathi balahlekelwe yiyo yonke iminikelo yabo yezomnotho ngokuphazima kweso.
Lokhu kuveza ukuthi ngabe lesi sigaba sezincomo ezingagunci ezincomweni zemakethe yamasheya silungile. Ngoba lolu hlobo lwemikhuba engakwazi ukudukisa omunye umtshalizimali omncane naphakathi. Ngezinkinga ezinengqondo ezingafakwa yileli banga lokusebenza emholweni oguqukayo. Lapho kuvame kakhulu ukuthi kwenzekile kwabasindisa amasiko ngemali encane. Kungalesi sizathu-ke kufanele uqaphele kakhulu ngalolu hlobo lwamazwana angenamsebenzi. Ngempela kungenye yemiphumela ukulalela le mibono ngalokho okufanele ukwenze ezimakethe zezimali kungaletha.
Yini ongayenza kulezi zimo?
Into enengqondo kunazo zonke ukuya kuyo imithombo yolwazi yonke solvency ukuthi abakwazi ukudala ukuhlanekezelwa lapho benza izinqumo. Ngaphezu kwalokho, kumele babe nokuzimela okukhulu futhi bangathonywa yinoma yikuphi ukusungulwa kwebhizinisi okunentshisekelo ezimakethe zezezimali. Kungaleso sikhathi kuphela lapho siyoba nobufakazi bokuhlanzeka kwemininingwane. Ngoba empeleni, mkhulu umonakalo ongenziwa uma ulandela le mingcele yokuhlaziywa.
Kunoma ikuphi, kufanele futhi ukhumbule ukuthi ukungena phakathi kwabahlaziyi kungenye yezinto ezijwayelekile zomkhakha. Kuze kube seqophelweni lokwenziwa ngabantu abanokuqeqeshwa okuncane kulezi zimakethe ezikhethekile. Akumangalisi ukuthi lokhu kuye kwanda eminyakeni yamuva nje ngenxa yezehlakalo zobuchwepheshe obusha ezweni lemali. Naphezu kwakho konke, kuzohlala kudingeka njalo ukuthi uqhathanise kahle ulwazi nokuhlaziywa. Ukuze ngale ndlela, uvikeleke kakhulu kunoma iluphi uhlobo lokuhlanekezelwa.
Ukusebenza okungacacile
Ngalo mqondo, kuningi ukuphawula kwengxenye enhle yabatshalizimali abancane nabaphakathi mayelana nokuphathwa kwezinye zezokuphepha emakethe yamasheya. Ikakhulu, bonke labo abavela ofeleba abancane kanye nemali ephansi ezimakethe. Akumangalisi ukuthi ngeziqu ezimbalwa bangakhuphula noma behlise amanani abo ngentando. Njengoba kubonwe ezinyangeni ezedlule. Kwezinye izimo, kunemiphumela emibi kakhulu kwabasindisi abanezikhundla ezivulekile emalini.
Ukusuka kulesi simo esivamile, awukwazi ukukhohlwa ukuthi isu elihle kakhulu ongalisebenzisa kusukela manje ukuqondisa ukonga kwakho kumasheya we-solvency. Lapho kuzoba nzima kakhulu ezandleni eziqinile zezimakethe ukuthambekisa ukuvela kwamasheya. Ngalo mqondo, zonke iziphakamiso ze- Ibex 35 Zinikezela ngokuthembeka okukhulu ukuze ukwazi ukuthuthukisa ukuthenga kwakho nokuthengisa kwakho. Ukufika lapho kunabatshalizimali abaningi abangena futhi baphume ezikhundleni zabo nsuku zonke.
Izinkomba ezikhethiwe zingenye yama-antidotes amahle kakhulu wokugwema ukuzibona ucwile ezimeni ezingathandisi izintshisekelo zakho. Ngaphezu kwalokho, uzoqinisekisa ukuthi awutholi ukubanjwa izikhundla zakho. Okusho ukuthi, awukwazi ukushiya izimakethe ngamanani owafunayo. Ngoba ezikhathini eziningi uzophoqeleka ukuthi wenze imisebenzi emibi futhi lokho kungaphambanisa ibhalansi ye-akhawunti yakho yokuhlola. Lokhu kuyinto ebaluleke kakhulu ukuthi ngeke ube nenye indlela ngaphandle kokuyivimbela ngazo zonke izindlela.