Umfutho omusha wokubhekana nonyaka omusha ungesinye sezifiso ukuthi abantu abancane nabaphakathi balindele ukuthola u-2019, yize kuzoncika ezintweni eziningi. Ekupheleni kosuku, kuzoba yibo abanquma inkomba izimakethe zezimali ezizothatha ngayo kulo nyaka, ngoba akukho okulula okulindeleke ukuthi kuveze inzuzo kuphothifoliyo yokutshala imali. Hhayi ngeze, kuzoba njalo egcwele izithiyo ngemuva konyaka we-2018 ongazange wenelise nakancane ngezintshisekelo zakhe. Lapho ukuphepha kokusebenza kufanele kudlule kokunye ukucatshangelwa kobuchwepheshe.
Unyaka osesihambile ushiye ukwehla kwezinkomba zamasheya zomhlaba jikelele ezinamamaki eveni kusuka ku-5% kuya ku-15%. Ngamanye amagama, ukutshala imali okonga ngo-2018 akubanga nzuzo. Ngemuva kokuthi izimakethe zezezimali sezenze umkhuba obheke phezulu cishe iminyaka eyisikhombisa, ikakhulukazi ngemuva kwenkinga yezomnotho. Yebo, kulo nyaka esisele nawo kube nezinguquko emakethe yamasheya. Manje kusazobonwa ukuthi ngabe kuzomiswa kuphela emgwaqeni noma ukuqala kwesigaba sokuwohloka kwezimakethe zezimali.
Kulesi simo esivamile, ngeke kube khona okunye ongakwenza ngaphandle kokuqapha lapho uxhumana nezimakethe zamasheya. Vele, ungalindeli, ezimweni ezinhle kakhulu, ukuhlaziywa okukhulu entengo yamasheya. Hhayi kancane, kepha kuzothatha inhlanhla ukuhlangabezana nezinhloso futhi lokho kuzonikezwa ngochungechunge lwezinto esizozama ukuzichaza kusuka manje. Zivela ku- imvelo ehlukahlukene Futhi noma kunjalo, abatshalizimali abancane nabaphakathi kuzofanele baqaphe kakhulu ezinyangeni ezizayo ukungena noma ukuphuma ezimakethe zezimali.
Izici: ukukhuphuka kwamazinga
Ekugcineni, umzuzu obekungafuneki muntu ubukeka ufikile lapho izitho zemali ze-euro zone zizonquma nge ukunyuka kancane kancane ngentengo yemali. Okwamanje intengo yemali ayisizi ngalutho njengoba ingu-0%, kepha uma konke kuqhubeka njengoba kubekiwe kuskripthi, kungenzeka ukuthi ekupheleni kwalolu hlelo kuzosungulwa ebangeni eliphakathi kuka-0,25% no-0,75% . Akukuningi, kepha kuseseyisilinganiso esingathandwa ezimakethe zezimali ezingahle zenze ukuthengisa kulawule ukuthengwa ezinyangeni eziyishumi nambili ezizayo.
Lolu hlobo lwezindaba alwamukelwa kahle ngabatshalizimali futhi kulokhu ngeke kube okuhlukile futhi. Konke kuzoncika ekuqineni okunikezwa kulokhu kukhuphuka kwentengo yemali. Ngoba ekuqaleni izimakethe sezivele zehlisile lezi inyuka ngenani lemali. Noma ikuphi ukwenyuka okungalingani kuyosho ukuwa okucijile ezimakethe zamasheya kanye nokwehla okubanzi entengo yezinkampani ezibalwe. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi kwezinye izimo futhi kusuka kumbono oyisisekelo.
Ukungezwani endaweni ye-euro
Enye inkinga lo nyaka omusha esisanda kuqala ukuyiletha ingaletha ukuthi isuselwa ekuxabaneni kwamanye amalungu e I-European Union. Kuzofanele sinake kakhulu ezinyangeni ezizayo ngoba noma yiziphi izindaba ezingezinhle zizoba nomthelela omubi kakhulu ekulondolozweni okugcinwe ezimakethe zezimali. Ngaphezu kwalokho, akunakukhohlakala ukuthi ezinye izisekelo zokubaluleka okukhethekile kuma-indices emakethe yamasheya amakhulu zephuliwe. Ngamanye amagama, izimakethe sezivele zibonise izimpawu ezanele zobuthakathaka ukubheka lo kube unyaka omuhle wokungena ezimakethe zamasheya.
Ngakolunye uhlangothi, kuzoba unyaka wokhetho lukazwelonke olubalulekile kwamanye amazwe abaluleke kakhulu e-EU futhi bangaletha izimanga ezimbi kakhulu ezingalindelwe ngabatshalizimali. Ngalo mqondo, ukuqapha kufanele kudlule kokunye ukucatshangelwa. Isu elihle lokusebenza emakethe yamasheya kulo nyaka oyinkimbinkimbi ukuqondisa ukunyakaza kuye Izikhathi ezibekiwe ezimfushane. Ungalokothi ube nesikhathi esiphakathi noma eside sokuhlala unomphela njengoba izingozi zingaphezu kokuzwela ebusweni bokungaqiniseki okulethwa izimakethe zezimali.
Khulisa intengo kawoyela
Enye into enganciphisa ukuvela kwezimakethe zamasheya zamazwe omhlaba wukwanda imakethe kawoyela ebinakho ezinyangeni ezedlule. Lesi sici esibalulekile asisihle ezimakethe zezimali futhi ngalo mqondo singadlala indima ebaluleke kakhulu ukuze ukwehla kwezimakethe zamasheya kuqhubeke nakulo nyaka wokuthola imali. Abahlaziyi bezezimali babheka ukuthi inani ku-oyela ngenhla kwama- $ 85 Umgqomo uzobhuntshisa noma yimuphi umzamo wokubuyisa ukuphepha okuthengwa esidlangalaleni.
Umbono okwamanje awuthembisi kakhulu kubatshalizimali abancane nabaphakathi. Kuphi Imakethe yezimakethe i-bullish ngempahla yezezimali efana negolide elimnyama. Kwanele ukukhumbula ukuthi eminyakeni nje embalwa edlule intengo kawoyela yayisezingeni elalihamba phakathi kwamadola angama-30 kuye kwangama-40 emgqonyeni futhi lokhu kwenza kwaba lula ukuthi amasheya emakethe yamasheya akhuphuke, kwezinye izimo ngamandla amakhulu. Kulokhu, isimo singashintsha kakhulu size sifike ekuqinisekiseni ukuthi uwoyela kungaba yibo ababambisene kakhulu ezimakethe zamasheya zomhlaba wonke.
Ukubuyekezwa phansi kwezinkampani
Akungabazeki ukuthi kukhona okunye ukwehla kwenzuzo ezinkampanini ezidayiswa esidlangalaleni. Futhi lesi sici esibalulekile singaholela ekulungisweni kwentengo yamasheya maqondana namazinga asethulwe ekupheleni konyaka ka-2018. Ngakho-ke kuzofanele sinake kakhulu ukuthi imiphumela yebhizinisi izoba kanjani ku ikota elilandelayo. Ngoba kungahle kube nokunye ukumangala okungalungile okungenza ulahlekelwe yimali eningi ekusebenzeni kwakho emakethe yamasheya. Ngemikhakha ebukeka isivele ifinyelele ezingeni eliphezulu kakhulu uma kukhulunywa ngamanani abo.
Ngakolunye uhlangothi, awukwazi ukukhohlwa kusukela manje kuqhubeke ukuthi i- isexwayiso senzuzo ingahle ibe miningi kakhulu kunamanje. Eqinisweni, ku-2018 kube khona ezinye izexwayiso eziye zachitha ukulinganiswa kwezinye izinkampani ezibalwe. Ngokwalokhu kubuka, lesi sici singadlala ngobuqili kuwe uma utshalomali kumafa wakho wezezimali. Ngeke ube nokunye ongakwenza ngaphandle kokuqondisa imisebenzi yakho ibheke emikhakheni ephephe kakhulu yemakethe yamasheya evikelekile kuma-akhawunti awo ebhizinisi. Akumangalisi ukuthi yimali yakho uqobo esengozini kulo msebenzi omusha wemakethe yamasheya.
Isikhathi esisha sokuphumula
Futhi kungakhishelwa ngaphandle ukuthi izimakethe emhlabeni wonke zifaka inqubo ye-bearish yamandla athile nokuthi zingadala ukuthi ulahlekelwe yimali eningi uma uvule izikhundla kwamanye amanani. Ngalo mqondo, ngeke kulibaleke ukuthi izimali bezikhona ukukhuphuka iminyaka eminingi, ngokweqile ekuqondeni kwabanye babahlaziyi bezezimali abafanele kakhulu. Lesi ngesinye sezizathu esizochaza ukulungiswa kokuqina okuthile ezimakethe zezimali.
Ebhekene nalesi simo, isu elihle kakhulu lokutshala imali okufanele libe kulo ukuqedwa ngokuphelele. Ngaphezu kwalokho, kuzokusiza ukuthi usebenzise amathuba webhizinisi aqhamuka ezinsukwini ezimbalwa ezizayo emakethe yamasheya. Ngoba ngaphandle kokungabaza bazovela futhi ngalo mqondo kufanele uzilungiselele futhi ukuqeqeshwa okuhle kakhulu ukuphuma emakethe ngalesi sikhathi ngaphambi kokwenzeka. Ngakolunye uhlangothi, uneminye imikhiqizo yezezimali esuselwa kumholo ohleliwe ekunikeza ukubuyiselwa okungaguquguquki nokuqinisekisiwe minyaka yonke. Vele, ayiphezulu kakhulu, kepha izokusiza ukwenza imali oyongelayo izuze, futhi-ke, ukude nezindlela ezinolaka kakhulu zokutshala imali.
Ukwesaba ukwehla kwamandla omnotho
Enye yezinto ezakha ukunyakaza kwe-bearish ezimakethe zamasheya ukwesaba abatshalizimali ukuthi okusha ukwehla komnotho. Lokhu kubangela ukuthi kufakwe ukuthengiswa ezimakethe zezimali njengoba abatshalizimali abaningi bephendukela emalini engenayo njengecebo lokuvikela izintshisekelo zabo maqondana nokuphathwa kwemali yabo. Ngokwalo mbono, inhloso yakho kumele kube ukuthi lo mcimbi awukusindisi, njengoba kwenzeka ngenkinga yezomnotho yango-2007 nango-2008, lapho abaningi babo babebhajwe ezikhundleni zabo.
Akumangalisi ukuthi into okukhulunywa ngayo ukushisa okuthile kwezimakethe zamasheya nazo zidlala indima. Lapho izandla zabo ezinamandla sezivele ziqalile ukulungisa izikhundla futhi zaqondisa isu labo lokutshala imali kwezinye izindlela. Mhlawumbe ungalingisa lezi zenzo ukwenza ngcono ibhalansi ye-akhawunti yakho yokonga lapho entsha esanda kuqala iphela.