Bambalwa abantu abathatha izinqumo esikhathini esizayo samanani ezwenikazi elidala njengoba kunjalo nanamuhla UMongameli we-European Central Bank (ECB), UMario Draghi. ISupermario njengoba kuvame ukubizwa kanjalo ngabahlaziyi abathile bezezimali. Izinqumo zakhe zinjalo umphumela ezimakethe zamasheya ukuthi noma yikuphi ukuphawula kungadala ukwanda noma ukulahleka kuma-stock stock aseYurophu. Ukufika lapho izimakethe zezezimali zibhekele ukukala yonke imisho yazo, ngisho nama-semicolon abo. Ingesinye sezilinganiso zokutshalwa kwezimali kumasheya, njengoba bekunjalo eminyakeni yamuva.
Yonke imihlangano ebanjwa ngumzimba wezezimali waseYurophu ilandelwa ngokulindela okukhulu ngazo zonke izinhlobo zabatshalizimali. Lokho abakubonayo emazwini abo, futhi kungani kungabonakali ekuthuleni kwabo futhi, ithuluzi elifanele kakhulu lokusekela izinqumo zakho. Kungaba ukungena ezimakethe zezezimali ngendlela enqumayo, noma ngokuphambene nokuhlehlisa izikhundla ngamandla kunokujwayelekile. Njengoba besho ngenhlamba, okushiwo nguMario Draghi "kuya kusisa". Kuzoba umkhondo ongawuthola ngokwazi okufanele ukwenze ebuhlotsheni bakho nezwe lemali eliyinkimbinkimbi njalo.
Akumangalisi ukuthi abatshalizimali abaningi abenzi mnyakazo ezimakethe zezimali kuze kube yilapho uDraghi eziveza ngodaba lwezomnotho olubaluleke ngokukhethekile. Lokhu bekulokhu kwenzeka selokhu eza ukuzokwengamela isigungu esiphezulu semali sendawo ye-euro. Okungaphezulu kakhulu kwalokho okwenzeka kowandulela yena uFrench Claude I-Trinchet. Akumangalisi ukuthi iningi labatshalizimali abancane nabaphakathi abakubiza ngokuthi "inkathi yeDraghi". Vele, azishodi ngezizathu ezinikezwe ukunyakaza okwenzeke eminyakeni yamuva.
Amanani eDraghi nenzalo
Isizathu esiyinhloko sokugcina le nzalo ethintekayo kungenxa yokubaluleka kwamazinga wenzalo okwamanje kumanani aseYurophu. Emizuzwaneni embalwa lapho intengo yemali isezingeni eliphansi ngokomlando ngokuba ku-0%. Ngamanye amagama, intengo yemali cishe ayi-zero. Kepha manje, konke kubonakala kungashintsha ekugcineni kweminyaka ngokukhuphuka kwesilinganiso sokuqala eminyakeni eminingi. Lapho abatshalizimali bezobe belinde akwenzayo, kepha futhi nokuthi uthini, iwizard of European equities, uMario Draghi.
Ngesizathu okulula ukusiqonda futhi lokho ukuthi ukwehla kwamanje kuzuzisa imakethe yamasheya kanye nabatshalizimali bayo. Akumangazi-ke ukuthi, yisilinganiso ngaso sonke isikhathi esamukelwa kahle kakhulu izimakethe zezezimali. Akumangalisi-ke ukuthi ukuvela kwayo eminyakeni yamuva kube i-bullish ngokucacile. Yize noma yiluphi ushintsho kule mpahla yezezimali lungaphazamisa umbono wemakethe yamasheya. Ngoba empeleni, ukukhuphuka kwamanani bekungeke kuchazwe kahle izimakethe zezezimali. Okungenani esikhathini esifushane. Enye into eyehluke kakhulu ezinye izikhathi zokuhlala ezinde.
Kulesi simiso esijwayelekile, amazwi kaDraghi izohlaziywa kuze kube semininingwane emincane kakhulu. Njengephuzu eliyinhloko lokusetshenziswa kukho konke ukuhwebelana kwamasheya ezwenikazi futhi mhlawumbe ngomthelela wendawo onamandla amakhulu. Ngeke ukwazi ukukhohlwa ukuqokwa okulandelayo kommeleli womphakathi ophakeme. Mhlawumbe kungathonya isinqumo sakho esilandelayo sokuthenga noma ukuthengisa ukuphepha okuku-radar yakho. Ngeke ube ngumtshali-zimali kuphela odlula kulesi simo ngoba ukukala isimo sale makethe yezezimali akukho okungcono kunalokho ongakusho futhi akusho ibhange wase-Italy onethonya.
Imihlangano ye-ECB
Esinye sezimpawu zokuthi uthathe isinqumo ngokutshala kwakho imali emakethe yamasheya kunqunywa imihlangano ebanjwa njalo ngenyanga ngabaholi bezwe inqubomgomo yezimali umphakathi. Izisekelo zivame ukubekwa ngezinqumo ezizokwenziwa yi-ECB ezinsukwini ezizayo. Ngomthelela omkhulu ezimakethe zezezimali, zombili ngomqondo owodwa nakwezinye. Awukwazi ukukhohlwa ukuthi izinsuku lapho kubanjwa le mihlangano, izimakethe zamasheya zikhombisa ukuguquguquka okukhulu. Ngamamaki aphezulu phakathi kwamanani asezingeni eliphakeme naphansi.
Ngemuva kwale migubho, izimakethe zezezimali zikhombisa ukuthambekela okuchazwe kakhulu kunanamuhla. Akumangalisi ukuthi izinqumo zihlaziywa ngokujulile futhi abatshalizimali babeka isinqumo sabo ngendlela yokuthenga noma yokuthengisa, ngokususelwa ekuchazeni kwabo. Uma usebenzisa leli su lokutshala imali, uzoba lula kakhulu ukuthi ungenzi amaphutha ekwenzeni izinqumo. Ukufika ezingeni lokuthi uzoba nezinzuzo eziningi zokukhulisa ukusebenza kwesitoko.
Amanani abucayi kakhulu
Kunoma ikuphi, kunezinkampani eziningi ezibalulwe ezamukela kakhulu izimemezelo ezivela kubaphathi bezezimali. Yibo ikakhulukazi izinhlangano zemali eyehla noma inyuke ngamanani ayo ngamandla amakhulu kunamanye amanani wemali engenayo eguquguqukayo. Lesi sizathu ikakhulu singenxa yokuchayeka kwawo okukhulu kuzinqubomgomo zezimali ezikhuthazwa yibhange elikhulu laseYurophu. Ngakho-ke ukungazinzi kwayo kuphakeme futhi kunokwehluka okuningi enanini lalezo zinsuku. Eminye imikhakha ethonywe kakhulu yilezi zinqumo yilezo ezivela emikhakheni yomnotho ejikelezayo.
Kunoma ikuphi, awukwazi ukukhohlwa ukuthi ukusabela kwale mikhakha akunangqondo ngokwengeziwe, kanti amaphesenti, ngomqondo othile noma omunye, angakwazi sondela ezingeni le-5%. Kukulezi ziphakamiso lapho ungathuthukisa amasu akho okuhweba ngokunethezeka okukhulu. Yize kuyisigaba semisebenzi esibekelwe kuphela abatshalizimali abanolwazi oluningi ezimakethe zezezimali. Ikakhulukazi uma ukuthambekela okubusayo kucacile ukuthi kuyasebenza. Ngamathuba amakhulu okwenza ibhizinisi kulezi zindlela zokutshala imali.
Amathiphu wokutshala imali ngempumelelo
Ukuze ukwazi ukuhambisa utshalomali lwakho ngeziqinisekiso ezinkulu zokuphepha, akukho okungcono kunokungenisa uchungechunge lwezincomo kulokho okufanele ukwenze kusukela manje kuqhubeke. Kuzoba yindlela yokuthi wenze amaphutha ambalwa, kepha ngaphezu kwakho konke ukwenza imisebenzi isebenze ngendlela engcono kakhulu. Kuzofanele ubasebenzise ngokuzimisela nangokuqapha nje okuncane. Ngale migqa yokusebenza esizokudalula ngezansi.
- Kuwukuhlakanipha okukhulu lindela le mihlangano ukuthi yenzeke ngakho-ke ungenza isinqumo esinolwazi. Kuzoba yindlela engcono kakhulu okufanele uvikele ngayo iminikelo yakho yezezimali. Ngesisekelo sangempela lapho ungabeka khona ama-oda akho wokuthenga ezimakethe zezezimali.
- Uma imisebenzi yakho izobhekiswa ngqo isikhathi esifushane, akungabazeki ukuthi ukuthenga kwakho kungaba nolaka kakhulu kunangezinye izikhathi. Awukwazi ukukhohlwa ukuthi ukusabela kwezimakethe kulezi zinsuku kuvame ukuba nodlame olukhulu. Kokuhle noma okubi, kuya ngesimo ngasinye.
- Kuzofanele ube njalo wazi konke ukunyakaza ezikhula ezimakethe zezimali. Ngoba empeleni, kuzobaluleke kakhulu ukuthi ulungise amanani entengo nokuthengisa kahle kakhulu. Ukuze umsebenzi uthuthuke ngokufanele nangokuya ngezintshisekelo zakho njengomtshali-zimali omncane naphakathi.
- Uzibeka engcupheni ye- kwephuzile ukukhuphuka, uma lokhu kwenzeka ngempela. Ngalo mqondo, awunaso esinye isixazululo ngaphandle kokwazi ukuvela kwezimakethe zamasheya kusukela lapho zivula.
- Uma ungafuni ukumangala kabi, unenye indlela yokuphoqelela i- incwadi yokuvikela ukulahlekelwa. Ukuze ngale ndlela ube sesimweni esingcono sokulawula ukunyakaza ngamanani esitoko.
Imininingwane efanele kakhulu
Akungabazeki ukuthi izinqumo ezenziwe yibhange elikhipha i-Europe zizonquma ibhalansi lotshalo-mali lwakho. Ngalesi sizathu kubaluleke kakhulu ukuthi wazi izinsuku ezithuthukiswa ngazo nokuthi zifakiwe kwi-your ukuhlela umsebenzi ezinyangeni ezimbalwa ezizayo. Mhlawumbe impumelelo noma cha yale misebenzi izoncika kulolu lwazi. Ukuze usesimweni esingcono sokuthuthukisa ukuthenga kwakho nokuthengisa kusuka manje.
Ngalo mqondo, kufanele ukhumbule ukuthi i-ECB ihlangana masonto onke. Kepha okubaluleke kakhulu, yizitatimende zikaMario Draghi nokuthi zinikeza imihlahlandlela yalokho abazokusho ezinsukwini ezimbalwa ezizayo. Imvamisa ngeke ube nezinkinga zokuyithola kusukela lolu lwazi kubonakala cishe kuyo yonke imithombo yezindaba. Ngisho nencazelo ephelele ngabahlaziyi bezimali abadume kakhulu. Lapho bazokutshela khona ukuthi indlela engalandelwa yimali kusukela kulezo zikhathi.
Kodwa-ke, inkinga enkulu yokusebenzisa leli su elihlukile ukuthi ungafika sekwephuzile. Ngoba emakethe yamasheya i-axiom yakudala yokuthi "thenga ngamahemuhemu uthengise nezindaba" iyasebenza. Uma ukwenza, uzoba nokuhamba okuningi okutholile ukufeza izinhloso zakho. Ngoba empeleni, awukwazi ukukhohlwa ukuthi izimali zilindele izindaba nezimo zezomnotho. Ngeke ube nesinye isixazululo ngaphandle kokuthi usheshe kakhulu lapho uhamba khona ezimakethe. Ukuze ngale ndlela, ukwazi ukwandisa ibhalansi ye-akhawunti yakho yokuhlola. Okusho ukuthi, ngemuva kwakho konke, konke okuhilelekile.