Ingabe kufanele uye ekwandisweni kwemali enkulu?

i-santander Vele, ukwanda kwemali kuyinhlangano ehambelana kakhulu nezimali. Kuze kube seqophelweni lokuthi uzobe usufike ngaphezu kokukodwa. Ngoba empeleni, kuyisu elisetshenziswa kakhulu yizinkampani ezifakwe kuhlu ukuze hlomisa nge-liquidity ukuhlangabezana nezidingo zebhizinisi lakho. Kokubili kumanani amakhulu emakethe yamasheya aseSpain, kanye nakuma capital capital aphakathi nendawo naphakathi. Ngalo mqondo, akukho okuhlukile ngesikhathi sokuqala ukwanda kwemali.

Ngaphezu kwalokho, le nhlangano yebhizinisi ithole ukuhlobana okukhethekile ngenxa yomthelela wayo kwi I-Banco Santander. Yebo, leli qiniso elibaluleke kakhulu liyakhiwa njengengxenye yecebo lezezimali lokuthola iBanco Popular. Futhi kuholela engxenyeni enkulu yabatshalizimali abancane nabaphakathi ukuthi bacwiliswe kule nqubo ebaluleke kakhulu kwi izimali. Ngoba awukwazi ukukhohlwa ukuthi futhi ungabenza bazuze.

Kodwa-ke, omunye wemibuzo abatshalizimali abazibuza yona kakhulu ukuthi kufanele baye yini ekukhuleni kwemali ekhishwe yizinkampani ezibhalwe ezimakethe zezimali. Ngoba hhayi kuzo zonke izimo kuzoba nemiphumela efanayo. Kuzoncika ezintweni eziningi ozoba nazo kulolu lwazi kusukela manje. Ukuze kusukela manje wazi ukuthi yini okufanele uyenze ngaso sonke isikhathi. Ngoba into okufanele uyikhumbule ukuthi ngeke kube yisinqumo esilula ozodingeka usenze. Ngoba kungukuhamba emakethe yamasheya okunemiphetho eminingi okufanele uyazi.

Ukwanda kwemali: isizathu sayo sokuba

capital Okokuqala, awukwazi ukukhohlwa ukuthi kungumthombo wokuthi izinkampani ezibalwe ohlwini kufanele zithuthukise imigqa yazo yebhizinisi. Ngisho nokufeza izimali ezintsha ukuvezwa kangcono ezimakethe zezimali. Kuyinto eye yaba yinto evamile kuwo wonke amaqembu amakhulu ezezimali. Yize imiphumela yayo ingafani ngaso sonke isikhathi. Ngoba kungaba kuhle kakhulu ekuguqukeni kwezinkampani. Kepha okufanayo akwenzeki kwamanye amacala, njengoba ubona eminyakeni yamuva.

Ngesikhathi kwethulwa ukwanda kwemali enkulu, yibo ababenamasheya phambilini abanokukhetha okuthile ukuya kula maqiniso amangalisayo. Yize futhi uma ungabekiwe kunani elithintekile ungabandakanyeka kulolu hlobo lokusebenza. Ngoba uzophinde ubenzele inzuzo ezinyangeni ezimbalwa kusukela ekukhishweni kwabo. Okuyinhloso elandelwayo ngokuqaliswa kwayo ezimakethe zezimali. Ngoba empeleni, ezimeni ezinhle kakhulu, ungathola okuningi kulokhu kusebenza okukhetheke kakhulu futhi manje kwendabuko ngasikhathi sinye.

Izinhloso zale minyakazo

Akukho ukungabaza okuncane ukuthi inhloso yanoma yisiphi isilondolozi ukuthola ama-euro ambalwa kulowo nalowo wamasheya amasha. Kunoma ikuphi, ungacabangi ukuthi inzuzo yayo izokwenziwa ezinsukwini ezimbalwa ngemuva kokwethulwa kwayo. Ngoba lokhu akunjalo ngempela, kepha izinzuzo iya kumatemu amade, ngokwesibonelo esikhathini esimaphakathi neside. Uma okufunayo kuyimbuyiselo esheshayo ecishe ifike ngokusebenzisa le misebenzi kumasheya, ungakhohlwa kangcono ngokunyuka kwemali.

Imiphumela yayo entengweni yezokuphepha ezithintekayo kulezi zinqubo izoqala ukuqashelwa ngemuva kwezinyanga ezimbalwa. Isikhathi lapho kuyodingeka uzibuze ukuthi kulula yini kuwe ukuhlehlisa izikhundla ezinqwabelene kulokhu kuhamba. Ukufika ezingeni lokuthi ezimweni ezinhle kakhulu kungenzeka iphindwe kabili intengo yamasheya amasha. Ukubuyekezwa okunolaka olukhulu akunakuphikwa. Kungakho kubaluleke kangaka ukuthi ukhethe ukwanda kwemali yokuncintisana kakhulu. Ngoba awukwazi ukukhohlwa ukuthi akubona bonke abafanayo, kude nakho.

Kutholwe kabi izimakethe

Kuzo zonke, ukwenyuka kwemali akutholakali kakhulu ezimakethe zezezimali. Lokhu kungenxa yokungathembeki kwabatshali bezimali abazinzile kakhulu balolu hlobo lwezinqubo ezimakethe zezezimali. Njengomphumela wazo, akumangazi ukuthi inani lamasheya kwehla ngemuva kwezinsuku ezimbalwa. Ngoba kukhona nabatshalizimali abaningi abancane nabaphakathi abakhetha ukuhlehlisa izikhundla. Ukuzama ukungacwiliswa kuzinqubo ze-bearish ezingadala ukulahleka okukhulu. Okungenani uma kukhulunywa ngezikhathi zokugcina ezinde.

Kulesi simo esivamile, kungakuhle kakhulu ukuthi uhlaziye ngokuningiliziwe imali ngayinye eyenyusa lowo mhlaba ezimakethe zezezimali. Kepha ngaphezu kwakho konke, bona izimo zabo futhi uma kukuhle ukuthi ubhalisele. Ukuze ngale ndlela wenze isinqumo esifanele kunazo zonke ukuvikela izintshisekelo zakho njengomtshalizimali okudayisa. Lapho intengo okufanele ubhalise kuyo amasheya amasha izobaluleka kakhulu. Futhi uma impendulo inguyebo, ngeke ube nenye indlela ngaphandle kokuya kuyo bese uyisebenzisa ngokugcwele.

Umphumela wokuqala: ukwehliswa kwentengo

isandiso Esinye sezici ezisemqoka ezisuselwa kulokhu kuhamba ngamasheya ukuthi amanani ezabelo azokwehla esikhathini esifushane. Incazelo yakhe ilula kakhulu futhi kungenxa yokuthi njengoba kunamasheya amaningi ezimakethe zezezimali, abiza kancane. Akumangalisi ukuthi yizikhathi zokuhweba lapho amanani alungiswa ngokuya ngemithetho yokuhamba kwezezimali. Ngale ndlela, imali oyitshalile ingahlupheka futhi ilahlekelwe yinani layo kumaseshini alandelayo okuhweba. Ngokuqina okukhulu noma okuncane, kuya ngokukhuphuka kwemali oya kuyo ngaso sonke isikhathi.

Kodwa-ke, njengoba izinsuku zihamba, amanani ajwayela ukuzivumelanisa nentengo yawo yangempela. Vele, lapho ukwanda kwemali sekuqediwe. Kulesi simo, ngemuva kwezinyanga ezimbalwa ungenza imisebenzi enenzuzo etholakala kuleli qiniso eliphawulekayo ezinkampanini ezibalwe ezimakethe zezimali. Ngalesi sizathu esiqondile, le yimisebenzi ehloselwe isikhathi esimaphakathi nesikhathi eside. Ngephrofayili yomtshali-mali echazwe kahle kakhulu leyo ihlanganisa okugcina kakhulu. Lapho ukuphepha kudlula khona ezinye izindlela zokutshala imali emakethe yamasheya.

Yimiphi imigomo ongahlangabezana nayo?

imigomo Kuzo zonke izimo, uma uya kwenye yalezi zinqubo ezikhetheke kakhulu emhlabeni webhizinisi, ungazuza ochungechungeni lwezinzuzo. Lokho kungenakwenziwa ekuthengweni nasekuthengisweni kwamasheya ngqo ezimakethe zezimali. Kuzoba kubaluleke kakhulu ukuthi ubacabangele uma kwenzeka ezinyangeni ezizayo uzoba ngomunye wabatshalizimali abazothamela ukwanda kwemali eningi okwenzeka minyaka yonke. Ngoba kuyinto ekhona inyanga nenyanga nonyaka nonyaka. Ngokuyisisekelo bazoba yizakhiwo ezilandelayo esizokwethulela zona kusuka manje.

  • Kuyisu elikhetheke kakhulu ongathenga ngalo amasheya kuwo amanani aphansi ukwedlula izinhlelo zendabuko. Inenzuzo kakhulu kwimigomo emide.
  • Unganweba utshalomali lwakho enkampanini. Ukuze ngale ndlela, ube naleso sikhathi inani elikhulu lamasheya. Lapho amandla okubuyekezwa kwamasheya akho ezokhushulwa ngawo. Ngisho nokuzilungisa kuphrofayili oyethula njengomtshalizimali omncane naphakathi.
  • Ezimweni zezinkampani ezisabalalisa izabelo kubaninizabelo, kuzobandakanya inqubo ye ukhokhise imali ethe xaxa ngalo mholo. Ngokubuya okuhleliwe nokuqinisekisiwe kokonga minyaka yonke. Akunandaba ukuthi amasheya athengiswa kanjani ezimakethe zezezimali.
  • Kwezinye izimo kuyindlela yokuvula izikhundla emakethe yamasheya nge izaphulelo ezisindayo maqondana nokuthengwa kwamasheya ngezinhlelo ezijwayelekile. Yize kuzothakazelisa kakhulu kuwe ukuthi ufunde imibandela yokwenyuka kwemali oyithandayo ngaleso sikhathi.
  • Hhayi ngoba ikhulisa imali kuphela, kuzofanele kube umsebenzi onenzuzo enkulu. Ngoba impela, kungaba okuphambene futhi unenye inkinga ngesikhathi sokusayina lokhu kusebenza okuvamile kuma-equities.
  • Unyaka wonke, uzoba neziphakamiso eziningana zalezi zici. Ukuthi kungadala ukungabaza okungaphezu kokukodwa okungakufaka kuzibopho ezibucayi. Ukugwema lezi zimo, kuzodingeka ukhethe ngaphandle kokukhetha leyo misebenzi ekunika iziqinisekiso ezinhle kakhulu. Ukungakwenzi kungakubiza kakhulu kusukela manje kuqhubeke.
  • Ngeke futhi ukhohlwe ukuthi kufanele hlaziya isici sobuchwepheshe inani elibucayi lale misebenzi. Ngoba ngeke kufane ukukwenza ngomkhuba obheke phezulu kunokunye okuhluke ngokuphelele. Futhi nokuthi ungaba yinto enquma impumelelo noma cha yokwanda kwemali. Njengezinye izibalo ezakha isici sayo sobuchwepheshe.
  • Ekugcineni, awukwazi ukukhipha ukuthi le misebenzi ngeke ibe mihle kakhulu, noma ngabe ungalahlekelwa yimali kuphothifoliyo yakho yokutshala imali. Ngalesi sizathu, isinqumo sakho kufanele sibe ngumphumela we ukuzindla okubanzi. Akumangalisi ukuthi imali eningi isengozini.

Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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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.