Vele, ukubuyiselwa okungaguquki okungaba ngu-3% sekube yinkinga kubatshalizimali abancane nabaphakathi. Ngoba ngalesi sikhathi imbuyiselo engaguquguquki futhi eqinisekisiwe yokonga seyinyamalale emakethe yezimali kazwelonke. Hhayi njengakwezinye izikhathi lapho i- 3%, 4% noma 5% isilinganiso sesivuno futhi ngale ndlela ukudala ukushintshana okuzinzile kokonga isikhathi esimaphakathi nesikhathi eside. Ngalo mqondo, kungashiwo ukuthi isimo sishintshe kakhulu maqondana nezinye izikhathi esezikhohliwe.
Manje, ukwenza ngcono inzuzo kumikhiqizo yezezimali, ayikho indawo yezinsizakusebenza ezingaphezu kokubeka izikhundla engozini, imvamisa ngemikhiqizo esuselwa ezimakethe zezimali. Ngenkathi imali engenayo engaguquki isulwe ngokuphelele njengomphumela wezinyathelo zezimali ngu I-European Central Bank. Futhi lokho kuholele enanini lemali elingu-zero ngisho nokubuya okungalungile kunoma yiluphi uhlobo lwecebo lokutshala imali. Akusenakwenzeka ukudala indawo yokushintshanisa yokonga ekhula kancane kancane futhi lokhu kubeka phansi izinqumo abatshalizimali abancane nabaphakathi abazokwenza.
Ngokwalo mongo ojwayelekile, sizokunikeza amathiphu angaba wusizo olukhulu ekufezeni imbuyiselo yokonga cishe i-3% kusukela manje kuqhubeke. Vele, ngeke kube ngumsebenzi olula ukuwenza, kepha okungenani kuzofanele ukukusebenzisa lapho kungekho zimo zemali kukuvimbela ekwenzeni ezinye izinhlobo zamasu emkhakheni wokutshalwa kwezimali. Kunoma ikuphi, asikho esinye isixazululo ngaphandle kokuba nobuchule obengeziwe endleleni yokusondela ekusebenzeni kusukela manje kuqhubeke.
Ukubuyiselwa okungu-3%: izimali
Enye yezindlela ezingasetshenziswa manje kubatshalizimali ukuhlangabezana nalokhu okulindelwe yenziwe ngezimali eziqinisekisiwe zokutshala imali. Kungumkhiqizo, yize wehla, okusasivumela ukuthi sithole izimbuyiselo ezisezingeni eliphansi ezingaba mnandi kakhulu esitatimendeni sethu semali engenayo ekupheleni konyaka ngamunye. Ngale ndlela, izimali zokutshala imali ezibhaliswe ngo-Okthoba 2019 a ukubuya okuhle kuka-0,12%Ngakho-ke, inzuzo eqongelelwe kuze kufike ku-Okthoba ifinyelela ku-5,7%. Ukuba okuqinisekisiwe okukhethwa kukho okungathathwa ukufeza lokhu kubuyiselwa okuncane ekutshalweni kwemali.
Kumele futhi kuqashelwe ukuthi imali engenayo engaguquki inayo kurekhodwe izimbuyiselo ezingezinhle ngo-Okthoba, ngokuqina okuthe xaxa emalini yesikhathi eside (-0,2% yezimali zemali engenayo engaguquki yesikhathi eside kanye -0,3% yezimali eziqinisekisiwe, okuyizinto ezisithandayo), ngokusho kwedatha yakamuva enikezwe yi-Association of Collective Izikhungo Zotshalomali NeziKhwama Zempesheni (Inverco). Lapho kukhonjiswa khona ukuthi utshalomali oluhlangene (Izimali Nezinkampani) luthole ukukhula kwama-euro ayizigidi ezingama-735 ngo-Okthoba futhi lwama kuma-490.256 wezigidi, okusho ukwanda ngo-0,15% uma kuqhathaniswa noSepthemba.
Izibopho Zokukhiqiza Okuphezulu
Ngenye yezindlela okufanele sifeze ngazo lezi zinqenqema zokungenelela esikhuluma ngazo. Yize kunengozi eyimfihlo egqamile uma iqhathaniswa neminye imikhiqizo yezezimali. Kumele kuqashelwe ukuthi ukutshalwa kwezimali kumabhondi ezithela kakhulu, okwaziwa kangcono njengesivuno esikhulu, kunika isigqebhezana esiphezulu, kuze kufike isikhathi ukubhoboza kwenzeka futhi kulapho-ke lapho singalahlekelwa khona yingxenye enhle yemali etshalwe kule modeli yokutshalwa kwemali okukhethekile okunjalo. Ungakhuluma futhi ngokutshala imali kumabhondi avela emazweni asafufusa, kepha uma kukhulunywa ngokutshala imali kumabhondi alezi zici kufanele ukhethe kakhulu ngoba akubona bonke abanokuziphatha okufanayo. Uma kungenjalo, kunalokho, kunokwehluka okuqinile phakathi kwabo bonke futhi noma ngabe isigqebhezana besiphezulu kangakanani.
Kule nketho kufanele weluleke kahle kakhulu ngoba yize inzuzo ekhonjisiwe ingafakwa, kuyiqiniso futhi ukuthi ungashiya ama-euro amaningi usendleleni. Ngoba imali engenayo engaguquki ayidluli ezikhathini zayo ezinhle futhi inengozi enkulu kakhulu kunezinye izikhathi. Kunoma ikuphi, kungenye yezinketho ezimbalwa onazo zokuthola ukubuyiselwa kwe-3%, okungukuthi, ngemuva kwakho konke, okubandakanyekile kulesi simo sokutshala imali. Ukuze ngale ndlela, sikwazi ukuhlangabezana nokulindelwe ngaphandle kokuya ezimakethe zokulingana, kuzwelonke nangaphandle kwemingcele yethu.
Insiza Ephephile Yokwahlukaniswa
Izabelo zizohlala zikhona njengethuluzi esisele nalo lokwakha ukushintshana okuzinzile kokonga esikhathini esimaphakathi nesikhathi eside. Ngokwalo mbono sinamathuba okuba ne- isivuno esikhulu kuno-3% ngokukhokha okungaguquguquki futhi okuqinisekisiwe njalo ngonyaka. Cishe ama-80% ezinkampani ezibhalwe ku-Ibex 35 enza ukusatshalaliswa kwalezi zici nanoma yini eyenzekayo ezimakethe zezezimali. Ngaphezu kwalokho, kungumphumela wenzuzo esatshalaliswa yilezi zinkampani ezibalwe. Ukusuka emkhakheni wamabhange kuya ezinkampanini zikagesi, ngokusebenzisa izinkampani zokwakha.
Isabelo semali saminyaka yonke sezinkampani ezibalwe ezimakethe zamasheya sinikeza imbuyiselo ehambayo kusuka ku-2% kuya ku-9%. Lokho kusho ukuthi, ngaleli su lokutshala imali siziqinisekisa ngemali ephephe ngokuphelele engakwazi ukuxazulula izinkinga zethu zezimali ezinyangeni ezizayo. Ukuhlangabezana nezindleko ze-accounting yomndeni wethu, ukukhokha intela, isikole sezingane noma ukukhokha isikweletu phambi kwabantu besithathu. Ngokuvamile ngezitolimende ezimbili eziphethe ezenziwa minyaka yonke, ngezikhathi zehlobo nasebusika. Ngenkathi ngakolunye uhlangothi, ingahle ibe nokuphathwa okungcono kwentela kunakweminye imikhiqizo yezezimali.
Izintela zokuphromotha
Esinye sezixazululo ezilondolozeka kakhulu noma zokuzivikela senziwa ngamadiphozithi esikhathi esinqunyiwe avela ekukhushulweni yizikhungo zezikweletu. Le ukuphela kwendlela okungenziwa ngayo izindlela ezisezingeni zokulamula zale mikhiqizo yokonga. Kufika ezingeni lokuthola inzuzo ephezulu ecishe ibe ngu-3% nakunoma iyiphi ifomethi yokuphromotha eyethulwe ngamabhange. Kunoma ikuphi, ukubuyela emuva okuhle kwaleli qhinga lokuhweba ukuthi isikhathi samadiphozi sifushane kakhulu. Cishe izinyanga ezi-3 noma ezi-6 lapho umholo ungaphezulu kunentela yendabuko.
Ngenkathi ngakolunye uhlangothi, singekhohlwa ukuthi lokhu kunikezwa akukho. Uma kungenjalo, kunalokho, yiziphakamiso ezithile ezivela kaningi minyaka yonke. Futhi kwesinye isikhathi kuyadingeka ukuthi uhlelo lwayo lokusebenza alukho kukho konke ukonga, uma kungenjalo engxenyeni encane yalo. Kuze kube seqophelweni lokuhlola ekugcineni ukuthi akuwona umkhiqizo onenzuzo okufanele ubhaliswe kusukela manje kuqhubeke ngoba ekupheleni kosuku inzuzo ingahle ibe ntekenteke kakhulu. Ngesidingo sokwenza eminye imikhiqizo ibe semthethweni okuthi ekugcineni ithuthukise ibhalansi ye-akhawunti yethu yokonga, okuyiyona nto emayelana nala macala ajwayelekile.
Uhlelo lokulondolozwa komuntu ngamunye
Isinyathelo sokugcina ngaso sonke isikhathi ukuqashwa kohlelo lokonga olwenzelwe wena olwenze ngcono isitatimende sethu semali engenayo. Abekho ekunikezelweni kwazo zonke izikhungo zezezimali, kepha okungenani singazama kusuka manje kuqhubeke. Ngoba kuyindlela elula yokunqoba 2% amazinga emaphethelweni wokulamula. Ngaphandle kwesidingo sokuhlangabezana nanoma yisiphi isidingo esivela emabhange futhi lokhu kuyisici esizuzisa izintshisekelo zabasindisi abancane nabaphakathi. Phakathi kwezinye izizathu ngoba azidingi isikhathi saphakade futhi zikhululiwe kumakhomishini nakwezinye izindleko ekuphathweni noma ekugcineni kwazo.
Endabeni yanoma yimuphi umkhiqizo okufanele kuxoxiswane ngawo ngqo nesikhungo sezikweletu. Futhi kusukela kulo mbono, ngamakhasimende akhethwayo anayo kangcono ukuze isicelo sabo samukelwe. Ukuthi izinga lenzalo elisetshenzisiwe kulezi zinhlelo zokonga nakho kungaxoxiswana ngalo ngaphakathi kwamabanga asungulwe ngaphambili ezimweni zenkontileka. Ukuze ekugcineni kosuku ube nokuvikeleka okukhulu ngokusebenza kwayo ezimakethe.
Ngokunikezwa okusakazeka kakhulu nokuthi kunoma yiziphi izimo akunakuthengwa kweminye imikhiqizo yasebhange, njengasendabeni ethile yamadiphozithi wesikhathi esimisiwe ecace kakhudlwana esiphakamisweni sabo sokwamukela amaklayenti. Kusukela ekuqaleni futhi ngaphandle kwezimo zayo ziguqulwa nganoma yisiphi isikhathi. Ngesidingo sokwenza eminye imikhiqizo ibe semthethweni okuthi ekugcineni ithuthukise ibhalansi ye-akhawunti yethu yokonga, okuyiyona nto emayelana nala macala ajwayelekile.