Enye yezingozi abatshalizimali abancane nabaphakathi abanakho ukusebenza nezinkundla zezimali ezingalawulwa. Ngengozi esobala yokuthi bangalahlekelwa ukonga kwabo njengoba kuyizinto ezibonakaliswa ukungafihli lutho kwabo. Enye yezindlela okufanele uzibone ngazo kungenxa yolwazi abanesibopho sokuludlulisa luvela kuNational Securities Market Commission. Lapho ezinye zazo zisebenza zivela phesheya ukuthi abasebenzisi bayalibona leli qiniso.
Kepha anjani la mapulatifomu aku-inthanethi okutshalwa kwezimali kwangasese? Okokuqala, banikela ngamakhasimende abo imikhiqizo yezezimali edlula ngokuba yinkimbinkimbi kakhulu. Abaneliseki ngokuthenga nokuthengisa amasheya emakethe yamasheya, kepha bathengisa amamodeli wokutshala imali ngobungozi obukhulu ekusebenzeni. Njengesibonelo, okuphuma kanye nokunyakaza kokuhweba. Kuzo zonke izinhlobo zezimpahla zezimali: izinto zokusetshenziswa, izinsimbi ezingavuthiwe nezinye zezimali ezibonakalayo ezifanele kakhulu.
Ngenkathi ngakolunye uhlangothi, bahlukaniswa ngamandla abo aphezulu nokuthi kuphakeme kakhulu kunemikhiqizo eminingi yezezimali. Ukuze ngale ndlela, ukuzuza kusheshe kakhulu nangesikhathi esifushane kakhulu. Kepha ngenxa yalezi zizathu ukulahleka kungaba namandla kakhulu futhi kukushiyele nengxenye ebaluleke kakhulu yotshalo-mali. Ngaphandle kwenzuzo eqinisekisiwe kunoma yimaphi amacala ngoba lokhu kungukuhamba okulula kakhulu okudinga ubuchwepheshe obukhulu kubasebenzisi.
Imisebenzi yokuhweba: iphrofayili
Le mikhiqizo yezezimali empeleni ayifanele wonke amaphrofayili wabatshalizimali. Uma kungenjalo, kunalokho, zihloselwe izethameli eziqondiwe ezinhloso yazo ukuqagela ngezimpahla zezimali, noma ngabe ziyini. Ngoba kumayelana nokuphela kosuku ukuthola inzuzo ngesikhathi esifushane ngangokunokwenzeka. Ukufika ezingeni lokuthi eminingi yale misebenzi ixazululwe emahoreni ambalwa. Kuhanjiswe ngezindlela ezintsha zobuchwepheshe kulokho okubeka uphawu lwezimpawu kuma-akhawunti wokuhweba angekho emthethweni.
Ukusebenza nalezi zingxenyekazi zezezimali kudingeka kuphela ukuvula i-akhawunti bese uqala ukuhweba ngezimpahla ezahlukahlukene zezezimali. Zithunyelwa nge-Intanethi futhi zingenziwa zibe semthethweni kunoma iyiphi idivayisi yezobuchwepheshe: izingcingo eziphathwayo, amakhompyutha uqobo, amaphilisi, njll. Konke kulula kakhulu ukukwenza, kepha le ingozi oyithathayo ngokucabanga lokhu kuhamba ezimakethe zezezimali. Futhi lokho kuyathuthukiswa iqiniso lokuthi amanye ala mapulatifomu ezezimali awalawulwa noma anemvume yokusebenza ezweni lethu.
Amakhomishini aphezulu ekusebenzeni
Esinye sezici ezifanele kakhulu ukuthi basebenzisa amakhomishini anwebekayo kakhulu ekusebenzeni ngakunye. Kokubili ekuthengweni nasekuthengisweni kwezimpahla zezimali. Ngemininingwane emincane kakhulu ngazo nokuthi sifika nini isikhathi lapho ungasola khona ukuthi lamanani awekho emthethweni. Uma ungafuni ukuzibona uhileleke kwelinye lala mapulatifomu wezezimali aku-inthanethi, akukho okungcono kunokubonana nohlu oludalulwa yiKhomishini Yezokuphepha Kazwelonke ngokujwayelekile. Ngemuva kwalokho uzothola ukuthi ungasebenza yini noma cha nalaba bameli bezezimali futhi ngaphansi kwaziphi izimo.
Enye ingozi ongena kuyo lapho uvula lolu hlobo lwezikhundla ezimakethe zezimali yilolo olususelwa ezinkokhelweni zabo. Ungaba nezinkinga ezinkulu ukuthola imali kusuka ekusebenzeni uye kwi-akhawunti yakho yokonga. Akumangalisi ukuthi amaphutha ayo maningi futhi ahlukahlukene ngokwemvelo yize kunombono angakunika wona kusukela ngomzuzu wokuqala. Sekukonke, kubonakala kulula kakhulu ukwenza ukonga kube nenzuzo kepha uzobona kungekudala ukuthi akuyona indlela. Ngakho-ke, qaphela kakhulu ngenkontileka yemikhiqizo yezezimali kuleli klasi lamapulatifomu akhetheke kakhulu edijithali.
Ukuhweba imikhiqizo ehlukile
Uma laba opharetha bebonakala ngokuthize, kungenxa yokuthi bakunikeza amamodeli amaningi otshalo-mali kepha ngesimo esifananayo ukuthi bavame ukuthengisa imisebenzi. Akubona bonke abatshalizimali abancane nabaphakathi abajwayele ukwenza le misebenzi. Uma kungenjalo kuphela lezo ezinikezela ngephrofayili eqagela kakhulu kunaleyo yonke. Yiphrofayili echazwe kahle kakhulu: abasebenzisi abasha abaxhumana namadivayisi wezobuchwepheshe futhi abafuna ukuthola imali ngokushesha okukhulu. Kepha ngomzuzwana bazohlangana nokumangala okukhulu ukuthi lezi zinkundla zezimali azilawulwa.
Ngenkathi ngakolunye uhlangothi, ukukhululeka kokwenza imisebenzi yayo ibe semthethweni kungenye yezimpawu zayo. Vele, lezi zingxenyekazi eziku-inthanethi azinawo amahhovisi noma amagatsha. Uma kungenjalo, kunalokho, zonke izinqubo zenziwa nge-Intanethi futhi ngaphandle kwemingcele ezindaweni ezisebenza kuzo. Zivulekele izimakethe zezezimali emhlabeni wonke ngoba akunamkhawulo kulokhu futhi ungaya kunoma iyiphi imakethe yomhlaba kusuka kukhompyutha yakho ephathekayo noma yomuntu siqu.
Usebenza kanjani kuzingxenyekazi?
Uma okuthile kunamamodeli akhethekile ehlukanisiwe ekutshalweni kwabantu ngabanye, kungenxa yokuthi amukela cishe wonke amafomethi. Ngoba empeleni, ungenza imisebenzi yezinhlobo ezahlukahlukene (amasheya, ama-CFD, i-forex ...) ngokukhethekile ukuthi amandla asetshenzisiwe aphezulu kakhulu. Lapho noma iliphi iphutha ekutshalweni kwemali lingakubiza kakhulu futhi ngenxa yalokho likushiyele ama-euro amaningi endleleni. Kufanele wazi ukuthi lokhu kuhamba akufani nokuthenga nokuthengisa amasheya ezimakethe zezimali.
Ngakolunye uhlangothi, yimisebenzi lapho kufanele wazi imishini ekusebenzeni kwayo ngaphandle kokufuna ukulahlekelwa yingxenye enhle yotshalo-mali. Ngakolunye uhlangothi, kudinga ukufunda isikhathi eside ekusebenzeni kwayo ngoba ezimweni eziningi sibhekisa emisebenzini yokuhweba. Enye yezinto eziyingozi kakhulu futhi engahloselwe bonke abasebenzisi balesi sigaba semikhiqizo yezezimali.
Izimangalo ngaphambi kwe-CNMV
INational Securities Market Commission ibuye izwe izikhalazo noma izimangalo zabatshalizimali lapho ibheka ukuthi ubuqotho bokutshala kwabo imali kungenzeka kulinyazwe ukuziphatha kwabantu noma izinhlangano ezingaphansi kokulawulwa yi-CNMV. Uma lokhu kuyisimo esithile somtshalizimali omncane, kufanele uqale ukhalaze ku- Isevisi yamakhasimende noma i-Customer Ombudsman yebhizinisi. Uma ungavumelani nempendulo oyitholile noma sekudlule izinyanga ezingaphezu kwezimbili ngaphandle kokuxazululwa kwesimangalo sakho, ungaya kwi-CNMV.
Kulokhu isimangalo Izothunyelwa ngokubhaliwe, ngefeksi noma ngencwadi ebhekiswe kumzimba ophethe waseSpain. Lapho inhloso ukuthi ekugcineni umtshali-zimali omncane nophakathi angakwazi ukuhambisa izimangalo zakhe ezivela lapho zilinyazwa khona ekusebenzeni komkhiqizo wezezimali. Ukuqashwa ngokusho komuntu obhekene nakho: izinhlangano zezezimali, imakethe, izinhlangano ezingagunyaziwe, izimali ngisho neNational Securities Market Commission.
Ama-akhawunti wokuhweba axhaswe ngezimali
INational Securities Market Commission (CNMV) ibike ukuthi ithole imibuzo nezikhalazo ezivela kubasebenzisi bamakhasi e-web ahlinzeka insizakalo ebizwa ngokuthi ngama-akhawunti akhokhelwa ngokwezimali. Lezi zinsizakalo zinikeza ithuba lokuthola i-akhawunti yezokuphepha ukwenza imisebenzi ehlukahlukene (amasheya, ama-CFD, i-forex ...) ngokukhethekile umsebenzisi angeke afake imali yakhe engcupheni, ngokusobala esebenza nalokho ikhasi uqobo elizokunikeza futhi uma ubuyisa, ubungacabanga ukuthi uzothola iphesenti lenzuzo eyenziwe.
Ukuze ukwazi ukusebenzisa lawa ma-akhawunti wokuhweba axhaswe ngemali, umsebenzisi kufanele athathe inkambo lapho, phakathi kwezinye izifundo, imithetho yokuhweba okufanele ilandelwe ichazwe, kudlule izivivinyo zokusebenza endaweni eyenziwe futhi ngaphakathi kwemingcele yokusebenza (ukulahlekelwa okuphelele kwansuku zonke , izinga lobungozi…). Lesi sifundo sidinga ukukhokhwa kwenani langaphambilini, kwesinye isikhathi lama-euro ayizinkulungwane eziningana, ukuze sikwazi ukuya khona.
Izingozi zabadayisi emakethe yamasheya
INational Securities Market Commission ifisa ukuxwayisa abangahle basebenzise ama-akhawunti anjalo ngobungozi ababuthola ekutholeni lezi zifundo, okubandakanya ukukhwabanisa noma ukukhohlisa maqondana nokutholakala kwama-akhawunti wokuhweba axhaswe ngezimali. Abatshalizimali baphinde baxwayiswa ukuthi ukulethwa kwalezi zifundo noma ukuvulwa kwama-akhawunti ashiwo ngenhla akuweli emkhakheni wezenzo ze-CNMV ngokwemisebenzi eyabelwe yona yi-Securities Market Law, yize izoba phakathi kwamandla ayo okuphatha. imisebenzi eyehlukene engenziwa ivela kulawa ma-akhawunti ezimakethe zezimali. Lapho kungenzeka khona ukuthi imali yokutshala imali yehliswe kuphela kunkomba ekhethiwe yamasheya aseSpain, i-Ibex 35.