Izimpahla zezimali ezi-4 ukuvula izikhundla nesu lokusebenzisa

Lezi akuzona izikhathi ezinhle emkhakheni wokutshala imali futhi ngenxa yalesi sizathu esikhathazayo, abatshalizimali abancane nabaphakathi ngeke babe nenye indlela ngaphandle kokukhetha kakhulu lapho befuna izimpahla zezimali. Ngeke kube ngumsebenzi olula ukuwenza, kepha noma ngabe yikuphi okungangabazeki ukuthi kuzovela ezinkulu amathuba ebhizinisi. Ngenhloso yokwenza ukonga kube nenzuzo eminyakeni ezayo. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo.

Ngakolunye uhlangothi, akungabazeki ukuthi kusukela manje izimpahla zezimali ezithakazelisa kakhulu zibonakala zivula izikhundla futhi zilungiselela iphothifoliyo yethu elandelayo yokutshala imali. Kulesi simo esivamile, kuyadingeka ukukhombisa ukuthi iziphi izindlela ze- izimpahla ezihamba phambili zezimali ukusizakala ngokuntengantenga ezimakethe zezimali, kodwa nakwezinye izingxenye zenzuzo engaguquki. Ngalo mqondo, kufanele kuqashelwe ukuthi intengo yemali ibiza kancane kancane futhi yenza kube nzima ukwenza imisebenzi enenzuzo ezimakethe zezezimali.

Ukuze ungabi nezinkinga ekuthuthukiseni utshalomali, sizophakamisa uchungechunge lwezimpahla zezimali ezingeke zikudumaze ngezikhathi ezinzima kakhulu zezimakethe zezimali. Kuze kube seqophelweni lokuthi ungenza ngisho nokonga kube yinzuzo kulezi zinhlobo zezimo kusukela manje kuqhubeke. Ukuze ukwazi ukuwafaka kuphothifoliyo yakho yokutshala imali ngokushesha okukhulu ngoba ukusebenza kwawo kungaba kakhulu ephakeme kunezinye izimpahla zezimali efaneleke ngokukhethekile.

Izimpahla zezimali: amabhondi

Enye yendabuko kakhulu futhi leyo cishe ayisoze yehluleka. Kepha esimweni samanje somnotho wamazwe omhlaba ngeke kube khona okunye abangakwenza ngaphandle kokuba yizibopho ezizimele zeminotho ethembeke kakhulu emhlabeni. Isibonelo, labo abavela IJalimane ne-United States ezisenendlela eya phezulu, ngaphandle kwenzuzo enhle ekhonjisiwe eminyakeni eyedlule. Ukufika ezingeni lokuthi basesimweni sokuvula izikhundla ezinyangeni ezimbalwa ezizayo noma unyaka owodwa noma emibili.

Kuyimpahla yezezimali, okwamanje enganikeli ngezingozi ezinkulu kakhulu. Phakathi kwezinye izizathu ngoba zamukela kakhulu ukusingathwa kokugeleza kwemali kwabatshalizimali abakhulu. Vuliwe efuna isiphephelo Ngaphambi kwezikhathi ezingaba ntekenteke kakhulu ukubeka imali ezimakethe zezezimali. Ngaphandle kwenzuzo ephezulu kakhulu, kepha lokho ekugcineni kunikeza ukuphepha okukhulu kuphothifoliyo yokutshalwa kwemali emisiwe okwamanje. Kokunye okulungisiwe kokuthandwa ngabahlaziyi bezezimali, kokubili iphothifoliyo enobudlova, kanye nokuzivikela noma okulondolozayo.

Izinsimbi eziyigugu: konke kuyenyuka

Uma noma iyiphi impahla yezezimali engakhiwa njengendawo ephephile, lokho akuyona enye ngaphandle kwalokho okumelwe yizo zonke izinsimbi eziyigugu, ngaphandle kokukhetha. Phakathi kwazo, igolide, isiliva, i-palladium noma i-platinum ezibuye zalungiswa ngamandla amakhulu eminyakeni yamuva. Zingaba ngenye indlela yokutshalwa kwezimali kwabatshalizimali abancane nabaphakathi esimweni samanje sokuhlangana futhi noma ngabe kuthathwa isikhundla esithile. Ngethuba lokubuyekeza kabusha, njengasesimweni esithile sensimbi yegolide, engafinyelela kuma-40% esikhathini esifushane.

Ngakolunye uhlangothi, lezi zimpahla zezimali kungaba yi Isixazululo sokushoda kwemali enenzuzo kusuka manje. Ngakho-ke ungathola ingcosana yesikweletu ezinyangeni ezimbalwa ezinzima ezimakethe zezimali. Lesi sici sibonisa ukuthi amathuba okuthenga kwangempela angakhiwa kuzo zonke izimo, noma ngezikhathi ezinzima kakhulu zotshalo-mali oludala kakhulu. Yize ngokuphambene nalokho, kuyinkimbinkimbi kakhulu ukukhetha imodeli yokutshala imali ofuna ukuyenza ibe semthethweni kusukela manje kuqhubeke.

Izimali ezithengiswa ngokushintshaniswa eziphambene

Kungaba enye inketho yokwenza ukonga kube nenzuzo kusuka manje kuqhubeke, yize kunjalo kuhlanganisa ingozi enkulu ekusebenzeni kwakho. Ngoba kufanele uqiniseke kakhulu ukuthi kuzoba nokwehla okujulile ezimakethe zezimali. Ukusizakala ngokusebenzisa izimali ezithengiswa ngokushintshaniswa, okuyingxube phakathi kwezimali ezihlangene kanye nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Kepha ngamakhomishini abiza kakhulu angakusiza wenze ingcebo yomndeni izuze ngaleli su lokutshala imali, okungenani elenza izinto ezintsha.

Ngaphezu kwalokho, inzuzo ekhiqizwayo izosuselwa ekuweni okwenzeka ezimakethe zezimali nangendlela elinganayo. Ngamanye amagama, kungaba esinye isixazululo sokungabikho kwemali engenayo yokutshala imali ngalesi sikhathi. Ngoba ungathola imali eningi ngalolu hlobo lokusebenza, yize ngesizathu esifanayo ushiya ama-euro amaningi endleleni. Njengoba kunikezwe lesi simo, kungcono ukuthi unikeze ingxenye encane kakhulu yemali oyilondolozile ukwanelisa lesi sifiso ezimakethe zezezimali. Njengendlela yoku vikela izikhundla zakho ngaphambi kwanoma iluphi ushintsho olweqisayo kumkhuba walo.

Ukutshala imali emakethe yamasheya ngenani

Izinkampani ezifakwe kuhlu ezinenani noma inani kungenye yeziphakamiso ongakhetha kuzo kusukela manje kuqhubeke. Yize beqhubeka nokwehla kwezimakethe zezimali, kepha lokho kungaba yisixazululo esihle kakhulu sibheke isikhathi esimaphakathi nesikhathi ikakhulukazi. Angamanani athengisa kakhulu futhi empeleni angaphansi kwenani lawo langempela. Ngethuba lokuhlaziywa kabusha, ezimweni eziningi, liphezulu kakhulu futhi elingasondela kuma-30%. Ngokombono, yisikhathi esihle sokuvula izikhundla kulezi zimpahla ezikhetheke kakhulu zezimali. Kungenzeka kube ithuba obulilindile eminyakeni eminingi edlule.

Inani lingelinye lokutshalwa kwemali okukhona kunconyiwe ngabanye babahlaziyi bezezimali abafanele kakhulu emakethe. Awukwazi ukukhohlwa ngaphansi kwanoma yiziphi izimo ukuthi manje ungathola amanani ahehayo kakhulu ezokuphepha ezisohlwini lwezimali zaseSpain. Futhi ukuthi eminyakeni edlule bebephakeme kakhulu ngakho-ke wesaba ukungena ezikhundleni zabo engcupheni yokuwa okuzayo. Ngenzuzo eyengeziwe yokuthi isabelo sabo sikhuphukile kunzuzo abayinikeza abatshalizimali abancane nabaphakathi. Kwezinye izimo basuke ezingeni lenzalo elicishe libe ngu-5% laya ku-7%. Lokho wukuthi, amaphuzu amabili wamaphesenti azoya ngqo kwi-akhawunti yakho yokonga minyaka yonke.

Ngenkathi ngakolunye uhlangothi, kufanele futhi kugcizelelwe ukuthi lelisu lokutshala imali lifaka isikhathi eside sokuhlala unomphela kunangezinye. Ngoba lokhu akukhona ukusebenza okusheshayo, kepha kunalokho, kudinga isikhathi esithe xaxa ukwenziwa kube semthethweni ngokuya ngemibandela yakho yangasese.

Ngokuvamile ngamanani esitokwe azinze kakhulu amelwe abhalwe njengohlu BBVA, Mapfre, Santander, Telefónica noma i-ACS. Lokho kungekudala noma kamuva bazobe behweba ngamanani aphezulu kunalawo akhonjisiwe okwamanje. Kungaba elinye ithuba lokuvikela izintshisekelo zakho. Njengoba kunikezwe lesi simo, kungcono ukuthi unikeze ingxenye encane kakhulu yemali oyongile ukwanelisa lesi sifiso ezimakethe zezezimali. Njengendlela yoku vikela izikhundla zakho ngaphambi kwanoma iluphi ushintsho olweqisayo kumkhuba walo.

Humusha ivolumu yokuqashwa

Umthamo wezivumelwano ungenye yemingcele ebaluleke kakhulu yokuhlaziya ikhotheshini yentengo yesitoko. Lapho kungakunika khona okhiye abaningi kulokho okumele ukwenze ngokutshalwa kwemali kwakho ezimakethe ezahlukahlukene zezimali. Ngokwezinga lapho ingakhiwa njengephuzu lesethenjwa esikhethekile se- faka futhi uphume ezimakethe zezezimali. Ngoba empeleni, umthamo ophakeme noma omncane wokuqashwa awufani, njengoba uzobona kusukela manje kuqhubeke. Kufika ezingeni lokuthi ingakusiza ukuthi uthuthukise isitatimende sakho semali engenayo ngezinzuzo ezinkulu ozuzile.

Uma ukuphepha kubonisa umsebenzi omkhulu ekuthengeni nasekuthengiseni izibambiso zawo, kukhona okwenzekayo ngentengo yayo. Ngokuvamile kuhlotshaniswa ne- Ushintsho lwethrendi enkampanini ethintekayo ngale nqubo. Noma lesi simo siyiqiniso, umnikelo waso weqiniso useqinisweni lokuthi lesi simo kumasheya sikhiqizwa njengesixwayiso mayelana nokunyuka okuseduze kwamanani abo. Ikakhulu lapho amandla ayo enamandla kakhulu kunokujwayelekile. Kubonisa ukuthi abathengi banentshisekelo kunani. Akumangalisi ukuthi ukunyakaza okujwayelekile okwenzeka kaningi ezimakethe zezezimali. Kulandelwa ukwazisa okunamandla ngeziqu zabo.

Phakamisa isiqinisekiso se-bearish

Hhayi njalo ivolumu ephezulu yokuhweba isho ukuthi izindlela ezihamba phambili zikhona emakethe. Ngoba empeleni, ingaba nezincazelo ze-bearish, yize kuleli cala kusakazeka kakhulu uma kuqinisekiswa. Kumele ihambisane nezinye izimpawu ezihlinzeka ngokuthembeka okukhulu ekuhambeni. Isibonelo, ukwephula okusobala kakhulu kwemidiya efanelekile. Yebo-ke, ukufakwa kwezikhundla ezimfushane kubathengi kuzoqinisekiswa.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.