Njengoba singena kwikota yokugcina yonyaka, ukungabaza okuhlasela abatshalizimali abancane nabaphakathi ngalesi sikhathi kukhulu futhi kwehlukene ngokwemvelo. Ukuze wazi ukuthi ngabe kuyithuba elihle yini lokuthatha izikhundla ezimakethe zezimali noma uma, ngokuphambene nalokho, ukugcina isikweletu ku-akhawunti yokonga. Kuyisikhathi sonyaka lapho amasheya emhlabeni wonke athambekele ekuhambeni kakhulu, kokunye nokuya ngakunye. Ngakho-ke, yisikhathi sokuqapha futhi uqaphele amathuba ebhizinisi avela kulezi zinyanga.
Ngemuva kwehlobo ebeliguquguquka ngokweqile, kujwayelekile ukuthi izimakethe zokulingana ziphinde zehlise umoya futhi. Ngaphandle kokukhohlwa ukuthi le nkathi yonyaka yilapho kwenzeka khona okunye ukunyakaza okunamandla kakhulu, okufana nomhlangano kaKhisimusi. Lapho amanani abongwa ngokwazisa njengefomula engaphezulu kwendabuko yokuchitha umsebenzi wemakethe yamasheya. Futhi lokho kungasisiza ukuthi singene emapaki futhi ukuze senze imali ngokushesha okukhulu.
Ngokwalo mongo ojwayelekile, sizonikeza imithetho ethile yokwenza izinto ukuze ukwazi ukuthuthukisa isitatimende sakho semali engenayo engxenyeni yokugcina yonyaka wezimali ka-2019. Ngemuva kwezinyanga ezimbalwa obekungakabi mnandi impela kuzintshisekelo zabatshalizimali abancane nabaphakathi . Lapho kwamanye amanani ehle khona ngaphezu kuka-20%. Yize okunye okuhluke kakhulu yilokho okungenzeka kusukela ngenyanga kaJanuwari. Kepha lesi sici sizovele sibe isihloko seminye imibono mayelana nalokho okufanele ukwenze ebuhlotsheni bakho nezwe lemali elihlale liyinkimbinkimbi.
Amasu okutshala imali: buyekeza ukuvikeleka
Uhlelo olukhethwa yingxenye enhle yabahlaziyi bezezimali ukuthatha izikhundla kwezokuphepha ezinikeza inani. Ngamanye amagama, banamandla aphezulu okubonga kunamanye. Bathengisa ngentengo eshibhile kakhulu ngenxa yokuwa abakwenzile kulo nyaka. Kufika ezingeni lokuthathwa njengamathuba ebhizinisi angempela ngenxa yenzuzo yolayini bebhizinisi labo. Kunamanani amaningana alezi zici kunkomba ekhethiwe yamasheya aseSpain, i-Ibex 35. Njengesibonelo, i-BBVA, iSantander, iTelefonica neMapfre, phakathi kokunye okuhambisana kakhulu.
Kungenzeka ukuthi i-semester yokugcina yonyaka ingaba yithuba elihle lokufaka lezi ziphakamiso zemakethe yamasheya kazwelonke. Ngoba banendlela ende eya phezulu okwamanje futhi izingozi ziphansi kunezinye izinkampani ezibalwe. Manje bacashunwe ngezaphulelo ezingahambelani neqiniso lemiphumela yebhizinisi labo futhi ungabenza bazuze, okungenani esikhathini esimaphakathi nesikhathi eside ngendlela esebenza kahle futhi elinganiselayo. Vele, iziphakamiso ngeke zishone ukuhambisana naleli su lokutshala imali.
Izitoko ezihlukaniswe kakhulu
Elinye lamasu ongawasebenzisa kule ngxenye yokugcina yonyaka ukukhetha leli banga lamanani esitoko. Luhlelo lokutshala imali olwenzelwe abatshalizimali abancane nabaphakathi abanephrofayili elondolozayo noma evikelayo. Ngenhloso eyinhloko yokwakha kancane kancane iphothifoliyo ezinzile yezokuphepha esikhathini esimaphakathi nesikhathi eside. Ukuze ngale ndlela, ube nephothifoliyo yemali engenayo engaguquki ngaphakathi kokuguquguqukayo. Noma yini eyenzekayo ezimakethe zezezimali. Ngoba ekugcineni kosuku uzobe uthola imali engaguquguquki futhi eqinisekisiwe njalo ngenyanga.
Ngenkathi ngakolunye uhlangothi, ungakhohlwa ngalesi sikhathi ukuthi izinzuzo zeSpain yizo ezikhule kakhulu phakathi kwamazwe amakhulu aseYurophu ezinyangeni ezedlule. Kuze kufike ezingeni lokuthi umholo womhlaba wonke wephule irekhodi elisha kwikota yesibili. Isizathu esingeziwe sokuthi ukwazi ukuziqondisa kulawa manani akhetheke kakhulu ezimalini zikazwelonke. Njengokuthi ungathola ukuthuthuka kumacaphuno abanawo ezimakethe zezezimali. Ngoba empeleni, kunenqwaba yokugeleza kwemali ebhekiswe kubo ngabatshalizimali abavikela kakhulu.
Ngokumelene nemijikelezo yebhizinisi
Zonke izibikezelo zabahlaziyi bezezimali ziphakamisa ukuthi unyaka ozayo uzoba okungenani uyinkimbinkimbi kwezintshisekelo zabatshalizimali abancane nabaphakathi. Kungaba yisizathu esihle sokuthi imali yakho iye kumanani angaxhunyanisiwe kumjikelezo wezomnotho. Ngenye yezindlela ezisebenza kakhulu ukubhekana nesimo esingesihle sezimakethe zezimali. Lapho ubungozi buzokwehla kakhulu futhi ungabenza bazuze kangcono ngisho noma izimakethe zamasheya ziwa kulesi sikhathi. Akukho okuningi ozokulahla ngokusebenzisa leli su lokutshala imali
Ngenkathi ngakolunye uhlangothi, kuyizibambiso ezingazukukhombisa ukuguquguquka ngokweqile. Uma kungenjalo, ngokuphambene nalokho, bazokhombisa amanani azinze kakhudlwana futhi anokuhluka okumbalwa phakathi kwezintengo zabo eziphezulu nezincane. Ekupheleni kosuku enye yezinhloso ezinhle zabatshalizimali abavikela kakhulu abafuna ngaphezu kwakho konke ukulondolozwa kokugeleza kwabo kwemali nangaphezulu kokunye ukucabanga okunolaka. Lokhu kunoma iyiphi indlela kungakunika umdlalo omuhle kakhulu kusuka manje. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo.
Imikhakha ehlanganisiwe
Elinye isu lokutshala imali ongalisebenzisa engxenyeni yokugcina yonyaka ukuthatha izikhundla emikhakheni enezinsizakusebenza ezinhle. Ngamanye amagama, ngemigqa yebhizinisi elihlanganiswe ngokuphelele kusukela ekubukeni kwebhizinisi. Ukuze kuthi kusukela manje ungabi nezimanga eziningi ezimbi njengoba kwenzeka emikhakheni emisha yamasheya. Lapho ngaphandle kokungabaza ukuthi uchayeke kakhulu ekuthuthukiseni ukulahleka esitatimendeni sakho semali engenayo emakethe yamasheya. Ngakolunye uhlangothi, unikezela iphothifoliyo yakho ngokuvikeleka okukhulu ngochungechunge lwamagugu afakwe ngokuqinile emnothweni wezwe noma wamazwe omhlaba.
Vele, okunye ukunikela okukhiqizwe ukuqaliswa kwaleli su lokutshala imali kuhlobene neqiniso lokuthi ziyizimpahla zezezimali ezingavamisile ukuba nodlame olukhulu, zombili ekuvukeni nasekuweni kwazo. Uma kungenjalo, kunalokho, basekela ukuheha kwabo ekuzinzeni kwamanani abo ngaphezu kwakho konke okunye. Ngenye yemibono onayo ongayisebenzisa kwisemester yokugcina yonyaka. Vele kuzokusiza ukuthi uvikele imali yakho ngaphezu kokunye ukucatshangelwa okubangelwe ukuhlaziywa kwayo kwezobuchwepheshe.
Izimakethe zamasheya zamazwe asafufusa
Njengokunyakaza okunolaka nokuqhamuka kakhulu iqiniso lokuthi ukhetha amasheya athile ezimakethe ezisafufusa. Kepha hhayi noma ngubani osebenzayo, kepha kulabo abakhombisa isici sobuchwepheshe esingcono futhi esingaba namandla amakhulu okubuyekeza. Ngaphansi kwesisekelo esicacile futhi lokho ukuthi kufanele babe notshalo-mali olwengeziwe, hhayi oluyinhloko. Futhi noma kunjalo, amanani aphansi angaphezulu kakhulu. Ngalo mqondo, ungathola amanye amathuba ebhizinisi ekuhwebelaneni ngamasheya eNdiya, eJapane, eRussia noma eBrazil. Kepha ngemisebenzi elawulwa kakhulu nguwe ukuvikela imali.
Ngakolunye uhlangothi, lezi zimakethe zezezimali zingaba yindlela engcono kakhulu yokwedlulisa ukuthengiselana okungekuhle ekuhwebelaneni okuyinhloko kwamasheya emhlabeni. Kuyiqiniso ukuthi ubungozi bukhulu kakhulu, kepha futhi nomklomelo ongawuthola kulolu hlobo lwemisebenzi ekhetheke kakhulu. Ngalo mqondo, kufanele wazi kahle ukuthi yini umsebenzi inkampani esebenza kuwo okungaba yindaba yokuthengwa kwakho okukhethiwe kusukela manje kuqhubeke. Ngoba umehluko phakathi kokunye kwesinye isikhathi uvamise ukwedlula ukumakwa futhi umele imali eningi ekusebenzeni okwenziwayo. Ngalesi sizathu kufanele ukhethe ngokwengeziwe kunanini ngaphambili.
Ingena esigabeni se-lateral
Umnyango wokuhlaziya weBankinter ukhombisa ukuthi ngemuva kokwanda ezinyangeni zokuqala zonyaka, singena esigabeni esiseduze lapho sizothola khona izikhathi zokusikeka (njengaleyo kaMeyi) nezinyanga zokwenyuka (njengalenyanga kaJuni nje kuqediwe). "Sibhekene nesikhathi lapho zingekho izinto ezinkulu ezikhona, kepha azikho izimpawu zokuwohloka okuholela ekucabangeni ukuthi umnotho ungangena enkontilekeni kancane kancane."
Uma sibheke phambili kuhlobo esele futhi sinikezwe ukwehla okujwayelekile kwamavolumu okwenzeka kulezi zinyanga, akufanele sikhathazeke uma kwenzeka inzuzo ezimakethe zamasheya futhi kufanele sikuhumushe njengethuba lokuphinda sihlele amaphothifoliyo noma sithenge njengethuba, bakhomba ebhange lezentengiselwano. Ekuxilongweni okulungile ukuthatha izikhundla ezimakethe zezimali. Phakathi kwezinye izizathu ngoba azikho ezinye izindlela emakethe yamasheya okwamanje. Ngenxa yenani eliphansi lentengo yemali.