Kujwayelekile ukuthi ngalezi zinsuku ucabange ngalokho okufanele ukwenze yenza ngemali oyongile eminyakeni ezayo. Futhi enye yezinketho eziyovela njalo yilezo ezinemakethe yamasheya njenge ireferensi yokuqala ekusebenzeni kwakho. Akusizi ngalutho, emithonjeni ehlukahlukene yolwazi abakutshela ukuthi lo nyaka ngeke ulunge kakhulu kulolu hlobo lwemisebenzi. Kepha, kunalokho, imibono eya kolunye uhlangothi ayishodi futhi. Njengoba ubhekene nalesi simo, ngeke ube nenye indlela ngaphandle kokuzichaza masinyane. Ngandlela thile bese uzama ukwenza ukonga kwakho kube nenzuzo ngendlela engcono kakhulu. Into ngakolunye uhlangothi engeke ibe lula nakancane.
Ukuze izinqumo zakho ziphakanyiswe ngamandla amakhulu, sizochaza ezinye zezizathu ezinganikeza imali esele ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Yize kungafanele ubalandele ngokuphelele, okungenani bazokunikeza isignali eyinqaba yokuthi ukusebenza kwakho kufanele kube kanjani ezinyangeni ezizayo. Ukwazi ngaso sonke isikhathi ukuthi ukuvela kwemakethe yamasheya ngeke kufane unyaka wonke. Uma kungenjalo, kunalokho, izohamba ngaphansi kokuqapha kwezinguquko eziqhubekayo. Okuthile ongakusebenzisa ngokunenzuzo ukulungisa ukusebenza kwakho kusukela manje kuqhubeke.
Kunoma ikuphi, kunento eyodwa eqinisekile okungafanele uyikhohlwe nokuthi imakethe yamasheya iyithuluzi lezezimali elizonikeza inzuzo enkulu ngonyaka ka-2018. Inqobo nje uma ukuthambekela kwayo okungenani ngokulingene bullish. Kuzo zonke izimo, ngaphezu kwalezo ezenziwe yimikhiqizo ehlukahlukene yasebhange noma ngisho lezo ezivela kwezinye izingxenye zenzuzo engaguquki. Lapho, ezimweni lapho ingeke yeqe amazinga azungeze u-1,50% kuzinga lenzalo. Isibonelo, kumadiphozithi wesikhathi esimisiwe, amanothi wesethembiso, ama-akhawunti wemali ephezulu noma izibopho zikahulumeni.
Izizathu zokuthi yebo esikhwameni
Eyokuqala yazo isuselwa eqinisweni lokuthi ingumkhiqizo wezezimali oqondakala kakhulu kubasebenzisi abaningi. Awudingi i- isiko elikhethekile lezezimali futhi okubaluleke kakhulu: ivumelaniswa nawo wonke amaphrofayili abatshalizimali abancane nabaphakathi abakhona. Njengoba kwenzeka kuwe. Isizathu esingaphezu kokwanele sokungaleli lolu hlobo lomsebenzi ezimakethe zezezimali. Okungenani kulo nyaka okungalandela ukuthambekela kokwedlule.
Ayikho enye inketho yokwenza imali ethe xaxa
Asikho isizathu esiphoqayo sokukhetha le makethe yezimali zamanani ezimpahla kuneqiniso lokuthi iyindlela engenye ezuzisa kakhulu laphaya manje. Ingozi onayo kuphela ukuthi a Ushintsho lwethrendi lokho konakalisa izibikezelo zakho. Akunandaba ukuthi zikhuphuka kancane kangakanani izinkomba zabo zamasheya, zizohlala zincintisana kakhulu kuneminye imikhiqizo yezezimali. Awudingi ngisho nokuba nezikhundla ezivulekile njalo ngenyanga. Akumangalisi ukuthi ungabenza bazuze ezinsukwini ezimbalwa, amasonto noma izinyanga. Uma kunjalo, uzobe umboze izibikezelo zakho zonyaka wonke.
Ngalo mqondo, ngokusobala iningi labenzeli bezezimali abakholelwa ukuthi kungcono ukuncika kwizimali kunenzuzo engaguquki. Kufanele ingozi okuthe xaxa ezikhundleni ngokushintshanisa nokwenza ngcono ukunyakaza kwakho kuze kube yinyanga kaNovemba. Ukubuya okujwayelekile emakethe yamasheya eminyakeni emihlanu edlule sekusondele emazingeni aphakathi kuka-10% no-15%. Yize konke kubonakala kukhombisa ukuthi kulo nyaka ngeke kubenjalo, kodwa kunalokho kungabiza imali ethe xaxa ukufinyelela emazingeni ka-10%. Ngokwe-stock stock yaseSpain ekhethiwe, i-Ibex 35, izinhloso zamaqembu okuhlaziya ziyilinganisela cishe kumaphuzu ayi-11.000.
Azikho ezinye izindlela zokutshala imali
Esinye sezizathu ezinamandla zokukhetha isikhwama njengamanje ukungabi nezinketho. Akumangalisi ukuthi imikhiqizo yendabuko yasebhange inikela kuphela okweshumi okumbalwa njengomvuzo wokulondolozwa. Ngakolunye uhlangothi, akusona isikhathi esihle semali engenayo engaguquki, ngoba ingxenye enhle yamandla okukhula kwayo yehlisiwe. Kwezinye izimo ngaphandle kwamathuba okuthuthukisa izikhundla zabo. Njengomphumela walesi simo esicacile, ngeke ube nokungabaza ukufika esiphethweni sokuthi umqondo omuhle kakhulu wokwenza imali oyongile uzuze umelwe ukuthatha izikhundla ezimakethe zamasheya. Okungenani kulo nyaka ophambi kwakho. Yize lesi siphakamiso singenziwa sibe semthethweni ngemikhiqizo ehlukahlukene yezezimali, noma kusuka kumasu ahlukene okutshala imali
Ivumelaniswe nanoma ikuphi unomphela
Enye yezinzuzo zokutshala imali emakethe yamasheya ukuthi ungayivumelanisa nayo yonke imigomo oyifunayo futhi ngaphandle kokukhishwa. Kusukela ezikhathini ezimfushane kuya kulezo ezidinga Izikhathi zokugcina ezinzima kakhulus. Njalo kuye ngezidingo zakho namasu owasebenzisayo ukwenza iminikelo yakho yemali izuze. Lesi sici sikunikeza ukuguquguquka okukhulu emisebenzini oyenzayo nganoma yisiphi isikhathi. Kuze kube seqophelweni lokuthi ukwazi ukuzivumelanisa nazo zonke izimo ezikhiqizwa ezimakethe zezezimali. Ngokuqinisekiswa okukhulu kokuphumelela kusukela ekuqaleni.
Ukufinyelela ezimakethe ezingenakubalwa
Ukuthenga nokuthengisa amasheya ezimakethe zokulingana ngokungangabazeki kuzovumela imali yakho ukuthi iqondiswe kunoma iyiphi indawo. Hhayi kuphela abaseduze kakhulu, kepha abanye kuze kube muva nje ubone njenge kungenzeki ukufinyelela. Isibonelo, izimakethe zase-Asia noma iLatin America. Amathuba wokunwetshwa awanamkhawulo njengoba kwenzeka kweminye imikhiqizo yezezimali. Konke lokhu kusuka kumodeli efanayo yokutshala imali nangemishini efanayo ekusebenzeni. Kuyinto ozoyazisa kakhulu ukuvikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi.
Ungahweba ngemali encane
Uma imisebenzi engenayo eguquguqukayo ibonakala ngento ethile, kungenxa yokuthi ungayenza ibe semthethweni kusuka enanini elincane kakhulu. Ngokuvamile kusuka kuma-euro ambalwa kakhulu kuze kufike enanini olifunayo. Azikho izidingo eziphansi zokuvula ukusebenza ezimakethe zezezimali. Yize kuliqiniso ukuthi njengoba imisebenzi iba nkulu, inzuzo ongayithola kokukodwa kwemisebenzi oyibhalisele kuze kube yileso sikhathi nayo izoba njalo. Akunjalo, inani lizoba yinkinga kuwe ukuthi utshale imali emakethe yamasheya kusukela manje kuqhubeke. Kuyindlela engabizi kakhulu kuyo yonke imizi.
Ungenza ngokwezifiso ukusebenza
Vele, enye yezinzuzo zokuthenga nokuthengisa amasheya emakethe yamasheya ukuthi ungakwazi ukuzivumelanisa nazo zonke izimo. Okungukuthi, ngeke kudingeke uzilinganisele kunoma iyiphi indlela. Uma kungenjalo, kunalokho, uzoba nenkululeko ephelele yokuzivumelanisa nazo zonke izimo ezikhiqizwe izimakethe zezezimali. Ekusebenzeni kwenani elincane noma, kunalokho, kwesidingo esikhulu sezomnotho. Akekho ozokuvimba emalini ofuna ukuyisebenzisa ukuze utshale imali yakho ezimakethe zezimali. Awukwazi ukukhohlwa ukuthi ungavula izikhundla emakethe yamasheya kusuka ku-euro eyodwa. Kumikhiqizo embalwa yezezimali uzokwazi ukuba nale nkululeko yokuthatha izikhundla kwimpahla yezezimali.
Unokusekelwa okuningi
Enye yezinzuzo zokuthenga nokuthengisa amasheya emakethe yamasheya ukuthi uzoba namathuluzi amaningi okusekela ukuvula izikhundla ezimakethe zezezimali. Noma unemininingwane ebanzi kwimidiya ekhethekile neyedijithali. Lapho bangakutshela khona nokuthi yini i- amazinga wokufaka nokukhipha ekusebenzeni kwakho. Okuthi, ngakolunye uhlangothi, kungenzeki kweminye imikhiqizo yezezimali ekhethekile. Kunoma ikuphi, awukwazi ukukhohlwa ukuthi isikhwama silula kakhulu ukulandela nsuku zonke. Futhi ngale ndlela, uyazi ngaso sonke isikhathi ukuthi iyini ngempela imali oyitshalile. Ngalo mqondo, awusoze waba nesikhathi sokufeza ukulandelwa okuphumelela kakhudlwana ukulawula konke ukunyakaza okwenziwe.
Inikeza inzuzo enkulu
Futhi ungakhohlwa ukuthi kumikhiqizo embalwa yezezimali uzokwazi ukuthola ukusebenza kwemisebenzi ezimakethe zezimali. Ukuthi uze ufinyelele esiphethweni sokuthi awunazo ezinye izindlela zokwenza imisebenzi yakho ibe nenzuzo. Ngaphezu kwalokho, ngeke badinge ulwazi oluningi kakhulu ngesiko lezezimali, ngoba ngakolunye uhlangothi kwenzeka ngemikhiqizo, iziqinisekiso noma ikusasa. Izidingo zokutshala imali emakethe yamasheya zingabizi kakhulu cishe kubo bonke abatshalizimali abancane nabaphakathi. Hhayi ngeze, ukutshalwa kwezimali emakethe yamasheya kubhekwa njenge ethandwa kakhulu ngoba ivulekele inombolo enkulu yabasebenzisi.
Ngakolunye uhlangothi, lolu hlobo lokutshala imali luyatholakala kuwe kunoma yisiphi isikhungo sezezimali. Ungayenza ibe semthethweni kahle kusuka kukhompyutha yakho ngokuzikhuthaza kusuka kumafomethi aku-inthanethi. Ngaphandle kokuhambisa noma yiliphi igatsha lasebhange. Ngamanani avele athengeke kubasebenzisi. Ukufika ezingeni lokuthi ngama-euro angama-15 ungenza imisebenzi yokuthenga nokuthengisa. Ngokubonakala kwe- okunikezwayo nokuphromotha eyehlisa amanani okubhala lo mkhiqizo wezezimali odumile.