Amasu wokuthuthukisa ukusebenza kokufakwa

Enye yezindlela zokuzinzisa ukonga abantu abangafuni ukufaka imali ezimakethe zezimali ngamadiphozi asebhange wesikhathi esinqunyiwe. Kungumkhiqizo ohlose ukonga oqinisekisa imbuyiselo engaguquki futhi eqinisekisiwe minyaka yonke. Yize ngezintshisekelo ezibuthaka kakhulu ezihamba ngemfoloko lokho kusuka ku-0,10% kuya ku-1%. Njengomphumela wentengo eshibhile yemali endaweni ye-euro futhi okwaholela emaphethelweni okulamula awenelisi kakhulu izintshisekelo zabatshalizimali.

Yebo, lo mkhiqizo wezezimali kulula kakhulu ukuwuqonda ngawo wonke amaphrofayili womsebenzisi. Ukwazi ukwenza isivumelwano ngemali engabizi kakhulu kuyo yonke imizi kusuka iminikelo evela kuma-euro ayi-100. Ngokuqoqwa kwenzalo ekuvuthweni futhi ngaphandle kwembuyiselo engemihle nganoma yisiphi isikhathi ngenxa yezimo ezahlukahlukene emnothweni wamazwe omhlaba.

Ngenkathi ngakolunye uhlangothi, kubalulekile ukukhombisa ukuthi amadiphozithi asebhange angabona inzuzo yawo ithuthuka ngamasu ahlukahlukene wokufeza lezi zinhloso. Zisukela ku shintsha esikhathini sokuhlala ukuzibandakanya ngokwethembeka okukhulu nezinhlangano zebhange eziphethe ukumaketha lo mkhiqizo webhange. Njengesibonelo, yizo esizokuchazela zona kusukela manje kuqhubeke. Lapho ungathola khona imibono engaphezu kweyodwa ukwenza ukonga kube nenzuzo ngendlela engcono kakhulu.

Impositions: yelula iminqamulajuqu

Isu elilula ukufeza lezi zinhloso ukunweba imigomo yesikhathi esigcwele. Ngale ndlela ungathola okweshumi okumbalwa ngaphezulu kumanani okuqala. Yize kunokuphazamiseka okukhulu okuzodingeka ukuthi imali ipakwe isikhathi esingeqile. Ngezikhathi zokugcina ezihambayo kusuka eminyakeni emibili kuya kwemine. Kuyindlela yokutshala imali engenawo ngokuphelele amakhomishini nezinye izindleko ekuphathweni nasekugcinweni kwayo. Ngokungafani nokuphuma kokulingana, njengokuthenga nokuthengisa amasheya emakethe yamasheya.

Ngakolunye uhlangothi, leli qhinga likusiza enhlosweni yakho yokwakha imali ezinzile futhi engaguquguquki yokonga esikhathini esimaphakathi nesikhathi eside. Ukuze ukwazi ukonga ngokunenzuzo ngendlela ezinzile futhi ngaphezu kwakho konke okuphephile. Noma yini eyenzekayo ezimakethe zezimali. Ngokuqinisekile kuwukutshalwa kwezimali okungenabungozi ezikhundleni zakho. Ikakhulu, ezimeni zokungazinzi okuthile ezimakethe zezimali, okuyilapho kwenzeka khona izimo ezingathandeki kakhulu kubatshali zimali abancane nabaphakathi.

Sebenzisa ngokunikezwayo okuvela emabhange

Akungabazeki ukuthi leli qhinga lokutshala imali lingenye yezimpumelelo kakhulu ekufezeni lezi zinhloso. Akumangalisi ukuthi kuvame kakhulu ukuthi amabhange aqale ukukhushulwa okuhlukile ekukhangisweni kwalawa ma-term deposits. Ngoba bathuthukisa inzuzo kuze kufike ku- 2% amazinga. Ngamanye amagama, ngomehluko obanzi maqondana nomholo olethwa yile mikhiqizo yasebhange. Yize ngakolunye uhlangothi, zidinga ukwethembeka okukhulu kwamakhasimende.

Lesi sigaba samadiphozithi asebhange sibonakala ngeqiniso lokuthi atholakala esikhathini esifushane kakhulu sokuhlala unomphela. Cishe izinyanga ezi-3 no-6 futhi lokho-ke akuvumeli ukwenziwa kahle kwalo mkhiqizo. Njengoba nje ingaholi yonke imali, kepha ibhalansi elinganiselwe futhi ekhawulelwe enhlokodolobha entsha noma kumakhasimende ezinye izikhungo zezezimali. Ngenkathi ngakolunye uhlangothi, kuyimikhiqizo engavuseleleki, kepha kunalokho, iyaphela lapho iphelelwa yisikhathi. Hhayi ngeze, ekunikezelweni kwamabhizinisi asebhange awekho amathuba amaningi okwelula imigomo yaphakade.

Ixhume kwenye impahla yezezimali

Vele, elinye lamasu anolaka kakhulu ukubopha idiphozi kwimpahla yezezimali etholakala ezimakethe zezimali. Okunye futhi okufanele kakhulu ukuthi lo mkhiqizo wezezimali uyawuvumela ukuqinisekisa inzuzo encane akunandaba ukuthi kwenzekani endaweni yezimali. Lapho ukukhuphuka kwesilinganiso senzalo samaphesenti acishe abe mane kungafinyelelwa khona, inqobo nje uma imibandela emincane ihlangatshezwa yimpahla exhunywe kulawa madiphozi esikhathi esimisiwe.

Kumele kugcizelelwe ukuthi lezi zimpahla zezimali zingaba ngezinhlobo ezahlukahlukene. Isibonelo, amasheya emakethe yamasheya, izimali zokutshala imali, izinto zokusetshenziswa noma i-euro uqobo. Ngakolunye uhlangothi, kufanele kucaciswe ukuthi la madiphozi anesikhathi eside sokusebenza kunakwamanye amadiphozi ajwayelekile. Esikhathini esivame ukwenzeka ibanga eliphakathi kweminyaka emi-3 nengu-4. Futhi ngeminikelo ebiza kakhulu yemali. Ngokuvamile kusuka kuma-euro angama-10.000 futhi ngaphandle kwanoma yiluphi uhlobo lwamakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni.

Uqashe ku-inthanethi

Lesi ngesinye isixazululo esilula sokwenza ngcono ukusebenza kwale mikhiqizo yasebhange. Yize bengaphansi kwemikhawulo yokungenelela enesizotha kakhulu kunamanye amasu esiwaphakamisile. Kepha njengenzuzo ongayenza ibe semthethweni ngokunethezeka ekhaya noma enye indawo nokuthi yini ebaluleke kakhulu nganoma yisiphi isikhathi sosuku ngisho nangezimpelasonto. Ukuze ngale ndlela ukwazi ukuthuthukisa ibhalansi ye-akhawunti yakho yokonga ngaphandle komzamo omkhulu ohlangothini lwakho. Ngokwe-impositions okumele kuthathwe njengokujwayelekile futhi ngaphandle kokuxhumeka kwezinye izimpahla zezezimali.

Ngenkathi ngakolunye uhlangothi, ungaba nokubanzi nezimo maqondana nemigomo yakho yokuhlala. Kusukela ezinsukwini ezimbalwa kuya eminyakeni eminingana kuya ngezidingo zakho emnothweni wasekhaya. Lapho ngaphezu kwakho konke kunikeza ukuphepha okuphelele maqondana nobuqotho beminikelo yakho yemali ngaso sonke isikhathi nanoma yini eyenzekayo emnothweni. Ngenkathi futhi iwumkhiqizo webhange owemukela kakhulu ukuthola imingcele yokulamula yezintshisekelo zakho.

Ukukhokhelwa kwasekhaya

Enye indlela yinto elula njengoba ithela izithelo, njengokufaka umholo noma imali ejwayelekile evela kubasebenzi abazisebenzayo ebhange. Lesi senzo siklonyeliswa ngamadiphozithi esikhathi esinqunyiwe asebhange njengoba evuma lithuthukise kakhulu izinga lenzalo kwalo mkhiqizo wokonga. Yize kubalulekile ukugcina ukwethembeka okukhulu kwizikhungo zezezimali. Ukuze ngale ndlela, kuthuthukiswe imibandela yokwenza isivumelwano somkhiqizo uqobo. Ukuze ngale ndlela, abaphathi bayo bakwazi ukubona umkhawulo wenzuzo enkulu kubhalansi ye-akhawunti yabo yokonga.

Ngakolunye uhlangothi, akubalulekanga kangako ukugcizelela iqiniso lokuthi ukudonswa kwemali ngqo kwabasebenzi kuyithuluzi elengeziwe lokuthola okunye ukuthengisa ku izinkontileka zemikhiqizo yasebhange. Phakathi kwazo, izimalimboleko zabathengi, izinhlelo zempesheni noma izinhlelo zokonga, kokunye kokufanele kakhulu kokunikezwa kwamabhange njengamanje. Ngamabhonasi abalulekile noma izaphulelo kumamaki woqobo wokulamula abekwa izikhungo zezikweletu. Isikhuthazo kumakhasimende amakhulu asebhange ukuthi abe nentshisekelo kuleli su ekuphathweni kwale sevisi.

Izimangalo kubaphathi

Ngakolunye uhlangothi, kufanele futhi kukhunjulwe ukuthi amabhange athuthukisa amasu awo amahle kakhulu okukhombisa ukuthi iyiphi idiphozi enhle kakhulu nokuthi iyiphi enikezayo inzuzo ephakeme. Isimangalo abasisebenzisayo ukuthatha imali yamakhasimende alo mncintiswano. Ekuboneni kokuqala, kungaba ukukhululeka kubasebenzisi ukubona ukuthi bangathola inzuzo ethe xaxa kunhlokodolobha abayifakile. Kepha kulula kakhulu ukuhlaziya lokhu kukhushulwa ukuze ubone ukuthi kufanelekile yini ukushintsha amabhange kuphela ngomkhiqizo onempilo ephakathi kwezinyanga eziyi-6 nezingu-12. Ngoba kuzo zonke izimo kuzodingeka ukwamukela lezi ziphakamiso zokonga.

Isibonelo, intela yendabuko yenyanga engu-1,00% izohlinzeka ngama-euro ayi-10 kuphela. Kuzodingeka ukubheka ukuthi kufanele yini ukukhetha lezi zakhiwo zefomethi ye- umklomelo omncane kakhulu maqondana nomholo onikezwe umsebenzisi webhange. Ngoba empeleni, engxenyeni enhle yezimo impendulo izoba yimbi ngokusobala ngokubhekisele ekuvikeleni izintshisekelo zethu njengomsebenzisi webhange. Okunye okuhluke kakhulu ukuthi le mikhiqizo yezezimali inganikela ngenzalo ephezulu, efinyelela ku-2%, engamelela inkokhelo yanyanga zonke yale mali efanayo eyanelisa kakhulu wonke umuntu.

Ngoba asikwazi ukukhohlwa nganoma iyiphi indlela ukuthi lezi zakhiwo zokonga ziqondiswe kumakhasimende amasha noma imali evela kwamanye amabhizinisi. Ukuba nganoma iyiphi indlela, enye yezinketho ezinenzuzo kakhulu ezitholakala kubasebenzisi ukukhulisa inzuzo yale mikhiqizo. Yize kunokuphazamiseka okukhulu ukuthi isikhathi saso saphakade silinganiselwe kakhulu, phakathi kwenyanga eyi-1 nengu-6, edala ukuthi inzuzo etholakale kulezi zikhathi zokubhalisa ayimangalisi neze yize umkhawulo wayo omkhulu usondele kuma-euro ayi-100.000. Ngenye indlela entsha banikeza lolu hlobo lokumiswa.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  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.