Yimaphi amasu ongawasebenzisa lapho ubhekene nezinzuzo?

izabelo Izabelo yizinkokhelo ezenziwa izinkampani kubaninimasheya abo ngenxa yenzuzo etholwe yilayini bezamabhizinisi abo. Futhi kungenye yezinto eziguquguqukayo lapho izinkulungwane nezinkulungwane zabatshali zimali babheka ukwenza iphothifoliyo yabo yokutshala imali. Lokhu kungenxa yokuthi nikeza ukusebenza okusukela ku-3% kuye ku-8%. Kepha into ethakazelisa kakhulu ezindleleni zakho ukuthi ungasebenzisa amasu ahlukene ukuze uzuze kule nkokhelo enikezwe ezinye zezinkampani ezibhalwe ezimakethe zezimali. Impela ufuna ukubazi ukuze bazisebenzise kusukela manje.

Enye ye amasu okuncanyelwa ngabasindisi ukwakha ngokuhlukaniswa kwemali engenayo engaguquki kokuguqukayo. Ngaphandle kokufakwa kuhlu kwayo emakethe yamasheya. Sizokunikeza i- inzuzo ephakeme kunaleyo eyenziwe ngemikhiqizo emikhulu yasebhange (imali yesikhathi, ama-akhawunti akhokhelwayo, amanothi wesithembiso, njll.). Lezi zinhlobo zokonga kuyaqabukela zeqe u-0,50% ekusebenzeni. Ngaphezu kwalokho, ngokusebenzisa izinzuzo uzoba nemali engaguquguquki futhi eqinisekisiwe njalo ngonyaka. Ukusiza ukugcina isikweletu se-akhawunti yakho yokuhlola, ngaphezu kokunye ukucatshangelwa.

Okunye kokuziphatha ongaba nakho ngalezi zinkokhelo ezivamile ukusebenzisa ngokunenzuzo ukukhuphuka okutholwa amasheya abo ezinsukwini ezingaphambi kokuba zikhokhwe. ukuqeda utshalomali. Leli isu eliyinkimbinkimbi kakhulu elisetshenziswa kaningi ngabatshalizimali abanolwazi oluningi ezimakethe zezezimali. Abafuni lokhu kusebenza, kepha abakufunayo ukwenza inzuzo yokusebenza kwabo ngazo zonke izindlela. Ngisho nakulo muholo abanelungelo lawo kepha bengazilolongi nganoma yisiphi isikhathi.

Izinzuzo: imali engenayo engaguquki kokuguquguqukayo

Okunye okuhlukile ongakufinyelela kungokwakudala kakhulu. Iqukethe i- linda amanani abuyele ezingeni lawo langaphambilini, uma sehlisiwe kusukela enkokhelweni yesabelo. Kuzothatha amasonto ambalwa ukuthi lokhu kwenzeke. Kepha noma kunjalo uzothengisa amasheya akho kuphela ngezinzuzo zesivuno sezabelo. Lokho kusho ukuthi, kutshalomali oluqondile ozobe usulwenzile, ngeke uthole nzuzo. Ngenye yezindlela eziphumelela kakhulu zokwandisa ukukhokhwa kwalo mholo izinzuzo ezikunikeza zona. Yize kungenzeki kangako kulokho okutshalwayo okumsulwa futhi okulula.

Ukukhokhwa kwezabelo iminyaka ethile manje kukuvumela ngezinketho ezimbili. Ngakolunye uhlangothi, zikhokhise ngqo nokuthi baya ku-akhawunti yakho yokuhlola ukuze ukwazi ukwenza okufunayo ngabo. Ngakolunye uhlangothi, ukuthi kungenzeka ukwazi ukuwafaka kabusha ezenzweni lapho uthathe khona izikhundla. Kuzoba yisinqumo sakho uqobo ozodingeka usenze ngemuva kokuhlaziya ukuthi yini oyifunayo ngempela futhi ithini imininingwane yomtshali-zimali omncane owethulayo.

Kunoma ikuphi, kuzoba lula ukuthi wazi ukuthi yiziphi izimo lapho kukuhle kakhulu kuwe ukuthi utshale lokhu kubhaliswa okutholwa yibo bonke abaninimasheya. Njengecebo le thuthukisa isimo se-akhawunti yakho yezokuphepha. Akumangalisi ukuthi ungathuthukisa amamaki lapho ibhange likunikeza izinzuzo. Naka ngoba kungathakazelisa ngaso sonke isikhathi lapho kwenzeka lesi simo sokutshala imali kuwe.

Kuzinqubo ze-bullish

Lapho isitoko sibhekene nenqubo eya phezulu, kufanele uphinde uvuselele ukukhokhwa kwezinzuzo. Isizathu singenxa yokuthi ngenxa yale misebenzi uzoba namasheya amaningi, ngakho-ke, amathuba amakhulu okuthi isivuno sikhuphuke. Esikhundleni sokujabulela ukukhokhelwa kwakho. Kuzoba yindaba yokuba nemali ingasebenzi isikhathi eside. Ukushintshisana ngokuthuthuka kokusebenza kwemali.

Izikhwama zokonga zesikhathi eside: uma utshalomali lwakho luhloselwe isikhathi esimaphakathi noma eside, le nhlangano nayo izoba nenzuzo. Akuzukuvumela kuphela ukuthi wandise utshalomali lwakho, kepha futhi uzokwazi nokuqoqa imali ethe xaxa kuzabelo ezilandelayo. Ngakho-ke, uzokwandisa imali oyitshalile kancane kancane. Kuyindlela yangempela yokwakha isikhwama sokonga eminyakeni embalwa ezayo. Akumangalisi ukuthi indlela osebenza ngayo ihlose iminyaka eminingi, noma isesimweni sokutshala imali njengefa. Kungaba ithuba elihle kakhulu lokuphakamisa izikhundla zakho emakethe yamasheya.

Amanani aqinile kakhulu

Elinye isu lingathuthukiswa ngamanani azinzile kakhulu angavamile ukubhekana nokuwa okukhulu emakethe yamasheya. Kuzozuzisa kakhulu ukuhlanganisa izinzuzo ezitshaliwe esikhundleni sokungaziqoqi ngokushesha. Ikakhulukazi uma ungeke uyidinge leyo mali isikhathi eside. Kunoma ikuphi, awunakukhetha ngaphandle kokubheka izikhathi ezithile zokuvala izikhundla emalini. Ukuvimbela noma ikuphi ukunyakaza okwehla kancane kancane ezimakethe kungabangeli ingxenye yalezi zinzuzo ukuba inyamalale, ngaphezu kokutshalwa kwemali uqobo.

Kunoma ikuphi, ukwabiwa kwezabelo phakathi kwabaninimasheya okuzokwenzeka kulo nyaka kuzoba esinye isisusa sokufaka izimali kulo nyaka. Ngoba impela, ithembisa ukuzivocavoca okugcwele izindaba ezinhle zabasindisa. Yize kunjalo nangokunye ukuphoxeka ngendlela yokwehliswa kwalo mholo wabatshalizimali.

Kulesi simo, amanoveli amasha ahlinzekwa yizinkampani ezisohlwini ukuthi imbuyiselo abazoyikhiqiza ibalwa ku inzuzo emaphakathi esondele ku-4%. Kunoma ikuphi, okweshumi okumbalwa okungezansi okwakhiqiza unyaka owedlule nokwaphawula elinye lamarekhodi amahle kakhulu ngokusebenza. Kunoma ikuphi, ihamba ngaphansi kokujwayelekile okuphawuleka. Ngaphandle kwezimanga eziningi futhi nalokhu kuzinza kwemali ezoya kwi-akhawunti yokulondolozwa kwabatshalizimali abancane nabaphakathi.

Amaconsi asebenza

ukusebenza Akuzona zonke izindaba ezinhle zabasindisi abaziyo ngokuvela kwezinzuzo. Ngoba kunezinkampani ezimbalwa ezinciphise inani lazo. Leli yicala elithile lesinye sezimali ezihola phambili zaseSpain: Telefónica. Ngoba i-opharetha kazwelonke ithathe isinqumo salo nyaka sokunqamula inkokhelo eyinikeza abaninimasheya. Njengoba imemezele ukuthi izosabalalisa isabelo semali esingu-2017 euros esiphethe ama-akhawunti ka-0,40, uma kuqhathaniswa nama-euro ayi-0,55 ka-2016 (unyaka obekulindeleke ukuthi isabalalise ama-euro angama-0,75). Akuzona izindaba ezithanda abatshalizimali abancane nabaphakathi. Kepha kunalokho okuphambene, ngoba basuka kude nezikhundla zokuqhathanisa, okungenani esikhathini esifushane.

Ezinye izinkampani ezibhalwe emakethe kazwelonke eqhubekayo zikhethe isu elifanayo ngokuya nge okuqukethwe kwalezi zinkokhelo. Yize ngaphansi kwamaphesenti athile angabalulekanga kangako. Ngokuncishiswa kwesivuno ngesabelo ngasinye ukuthi kunoma yikuphi akudluli amazinga we-10%. Kepha lokho noma kunjalo kudikibala abatshalizimali ekuthatheni izikhundla kunoma iyiphi yalezi zimali zaseSpain. Ngokuphikisana nalabo abathandwa kakhulu yilokhu kusatshalaliswa.

Yini engenziwa ngabatshalizimali?

abatshalizimaliNgokuya ngesimo esethulwe izabelo zonyaka omusha, maningi amasu angasetshenziswa ukukhulisa inani lokonga okuqoqiwe. Ukusuka ekusebenzeni okunolaka kakhulu kuya kwabanye ngezincazelo eziningi zokuzivikela ku- ukuvikela izimali ezitshaliwe. Phakathi kwabo, inketho yokukhuthaza ukunyakaza okusheshayo kunokujwayelekile ibonakala. Ngenhloso ecace bha futhi echazwe kahle. Akukho okunye ngaphandle kokuzama ukuthola ukusebenza okuhle ngamanani abo ngokuhlanganiswa kwalo mholo. Ngaphandle kokukhomba izikhathi zokuqina ezihloselwe isikhathi esimaphakathi nesikhathi eside.

Enye indlela onayo okwamanje ivela kuyo izikhundla ezingaphansi kwe-static. Lapho isu lakho lizoqukatha ukukhetha ukuphepha okuletha isivuno esingcono sesabelo futhi lokho kukhombise isici sobuchwepheshe esingahlonipheki, noma okungenani ngokuthola okucacile okucishe kucace. Ukuze ngale ndlela, basesimweni esihle kakhulu sokuthola okuningi ezikhundleni ezivulekile kusukela manje kuqhubeke.

Okwesithathu kwezenzo zakho kufanele kuhloswe kokwenza utshalomali oluningi kakhulu kunamanje. Kanjani? Yebo, kulula kakhulu, ukukhetha i- isikhwama sokutshala imali lokho kusekelwe kuzimpahla zezimali zalezi zici. Uneziphakamiso eziningi lapho ungakhetha khona izimali zakho ozithandayo, ezimakethe zikazwelonke kanye nakwezinye izindawo. Konke kuzoncika kuphrofayili oyivezayo njengomtshalizimali omncane naphakathi.

Izimali ezixhumene nokwahlukaniswa

izimali Ngoba empeleni, kunenombolo yale mikhiqizo yezezimali esekela isu labo ekufakeni la manani. Emhlabeni jikelele, ngaphandle kokukhetha inkampani eyodwa. Esikhundleni salokho, igxile ekutshalweni kwemali kubhasikidi onamasheya ahlukahlukene kakhulu. Kungenye indlela onayo uma ufuna ukuphepha okukhulu kweminikelo yakho yemali.

Isithiyo esikhulu okuzodingeka uzitholele sona ngale ndlela yokutshala imali ukuthi kuzodingeka uthathe amakhomishini athe xaxa kunokuthenga ngqo nokuthengisa amasheya ezimakethe zezimali. Ngamaphesenti angakhuphukela ku-2%. Uma kunjalo kuyodingeka unikele ngomzamo omkhulu wezezimali ngokuqasha lezi zimali. Yize ukubuya, uzoba nenkululeko enkulu yokuyidlulisela kwezinye izimali zokutshala imali ngaphandle kwanoma yiluphi uhlobo lwenhlawulo. Ngaphezu kwalokho, le misebenzi izokwazi ukuyenza ibe semthethweni nganoma yisiphi isikhathi futhi ngaphandle komkhawulo ekuhambeni. Inqobo nje uma izimali zivela ebhange elifanayo.


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 *

*

*

  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.