Umbono ojwayelekile ohlangothini lwabahlaziyi bezezimali ukuthi kulo nyaka ukukhula komnotho kuzoqhubeka, yize kunokuqina okuncane kunango-2018. Ngakolunye uhlangothi, enye yezimpawu zayo ezifanele kakhulu ukuthi ngokungangabazeki kuzoba nezici eziningi zokungaqiniseki kunanamuhla. Kepha baphinde bagqamise ukuthi akungabazeki ukuthi amathuba amasha azokhiqizwa ezimakethe zezimali. Futhi kuzodingeka ukuthi uzilungiselele kakhulu ngaphambi kwalokhu kusebenza okungenzeka, okusho ukuthi isamba semali esiphelele kwi-akhawunti yokonga.
Kulesi simo esivela ezinyangeni ezizayo, laba bahlaziyi bezimakethe bayaqhubeka nokugcizelela ukuthi indlela engcono yokwenza ukonga kube nenzuzo izokwenzeka ezimakethe zezimali. Ngoba empeleni, ziyizimpahla zezezimali ezinamandla amakhulu okukhula alenkambo eyinkimbinkimbi yemakethe yamasheya engaphambi kwethu. Noma ngakolunye uhlangothi, awukwazi ukukhohlwa i- izingozi ezinkulu ohilelekile kulesi sinqumo sokutshala imali.
Akunakulibaleka ukuthi sivela onyakeni lapho inkomba yokuma kwezimakethe zamasheya zaseSpain isondele ku-15%. Futhi uma, njengoba ochwepheshe bakule makethe yezezimali besho, ukukhula komnotho kuzoqhubeka, yize kunokuqina okuncane kunaku-2018, akukho kungabaza ukuthi kungaba khona okukhulu ukwesaba phakathi kwabatshalizimali abancane nabaphakathi ukuthi imiphumela ingaba mibi kakhulu kunangonyaka odlule. Lokhu kuyiqiniso elisetafuleni futhi ngenxa yalokho kufanele kubhekwe ngokuqapha okukhethekile nangomshoshaphansi ekusebenzeni.
Amathuba ebhizinisi
Enye yezindlela ezingcono kakhulu zokutshala imali kulo nyaka, ngokubona kwengxenye enkulu yabahlaziyi bezezimali, isuselwe ezinkampanini ze cap-maphakathi. Yibo abangenza kangcono kunamanye ama-equities. Ngalo mqondo, elinye lamasu alithuthukisa kahle lolu hlelo lwenkontileka litholakala ngezimali zokutshala imali ezifuna ukuthenga abaholi bezinkampani ezincane ezibhalwe ezimakethe zezimali.
Kunezinketho eziningi ezingakwenza ukwandise ukusebenza kwakho ngaphezu kokunye ukucatshangelwa kobuchwepheshe. Ngokwezinga lokuthi banethuba lokubuyekeza kabusha, kwezinye iziphakamiso zemakethe yamasheya, zifaneleke kakhulu kunokuvikeleka okuningi kwenkomba yokulingana ekhethiwe, Ibex 35. Yize ungeke ube nokhetho ngaphandle kokuthatha izingozi ezinkulu ekusebenzeni ngenxa yokuthi ziveza ukuguquguquka okukhulu ekuguqukeni kwamanani abo. Ngokwehluka okubalulekile phakathi kwezintengo zayo eziphakeme nezincane kuseshini eyodwa yokuhweba.
Ukusebenza emazweni asafufusa
Icebo lesibili lamasu okutshala imali ongawasebenzisa kusukela manje kuye phambili ukuchezuka kwemali yakho maqondana nezikhundla ezivelayo. Kokubili ngokubuka kwamanani kanye namazwe ahlinzeka ngalesi sici esikhetheke kakhulu kuwo wonke amaphuzu wokubuka. Yebo, ngalo mqondo, ingxenye enhle yokubheja yabahlaziyi bezezimali babheja kulezi zimakethe zendawo zezimali. Balinganisela ukuthi bangenza kangcono ezigcawini zamazwe athuthukile.
Kodwa-ke, kulo nyaka kuzofanele sikhethe kakhulu ekunqumeni amathuba amabhizinisi azolethwa izimakethe zezimali ezisakhulayo. Phakathi kwezinye izizathu ngoba kuzoba nokwehluka okuningi phakathi kokulinganiswa kwezinye izimakethe zokulingana nalezo zabanye. Ngokwehlukahlukana okungafinyelela kuma-20% ngemuva kwezinyanga eziyishumi nambili ezizayo. Futhi lapho kuzohlala kudingekile ukubhekisisa lokho China yehlisa inani lemali yakho njengoba lesi sici ngokungangabazeki singaguqula ukuvela kwalezi zimakethe zamasheya ezivela.
Khetha izimali ze-telematic
Isiphakamiso sokuqala salo nyaka esikhona yiso esivela kule mpahla yezezimali ekhetheke kakhulu ukwenza ukonga kusebenze kahle. Kunoma ikuphi, isiteshi okufanele usikhethele lokhu kutshalwa kwezimali yimali yokutshalwa kwezimali enalezi zici. Ngaphakathi kwazo, eminye imibono ingena ekukhetheni imikhakha ekhethekile njengaleyo emelwe yi i-ecology, impilo noma amarobhothi. Akumangalisi ukuthi zinethuba lokubuyekeza liphakeme kunalelo lezinye izingxenye zemakethe yamasheya.
Inkinga enkulu ekwenzeni lesi sinqumo ukuthi yizimali eziqondile kakhulu zokutshala imali ezisanda kwenziwa futhi ngenxa yalokho kuzokuthatha isikhathi eside ukuzithola. Ngakolunye uhlangothi, ezinye zalezi zinhlobo zokutshala imali zimakethwa ngamakhomishini athe xaxa azokwenza uzibuze ukuthi ukuqashwa kwabo okulandelayo kufanele yini noma cha. Kunoma ikuphi, kungesinye sezimanga ezinkulu ukuthi lo nyaka oyinkimbinkimbi ungasiletha ezimakethe zezezimali. Ngaphezu kokunye ukucatshangelwa kohlobo lobuchwepheshe kuphela.
Amanani alinganisiwe phakathi kuka-2018
Okunye ukubheja kuzoba okususelwa kumanani emakethe yamasheya athuthukise ukusebenza okubi kakhulu ngonyaka owedlule. Kunoma ikuphi, lesi sinqumo sifaka izingozi eziningi kunokujwayelekile kulezi zimo ngenxa yezimo ezikhethekile ezethulwe yilezi zimpahla zezimali. Awukwazi ukukhohlwa ukuthi amaningi ala manani andulelwa i- a ukwehla okuqinile lokho kwenza ukuthatha izikhundla kube yingozi kakhulu kulezi zikhathi eziqondile.
Ngakolunye uhlangothi, lokhu kungenye indlela ehloselwe iphrofayili yabatshalizimali abancane kakhulu naphakathi. Lapho kusebenza khona ubungozi obukhulu, yize ekugcineni umphumela ungaba muhle kakhulu kuzintshisekelo zakho. Kuphela uma unolaka kakhulu Ekuvezeni kwakho emakethe yamasheya, kufanele ucabangele le nketho ezimakethe zezimali. Vele, kuliqiniso ukuthi uzokwazi ukuthola imali eningi kulo nyaka, kepha ngenxa yezizathu ezifanayo, kukushiyele ama-euro amaningi endleleni ezokuthatha ekupheleni konyaka. Ngakho-ke, kungenye inketho kepha kuthathwe ngokuqapha okukhulu kunakho konke okunye.
Izimali zokutshalwa kwezimali ezinenkomba
Ungahle ungazi, kepha lesi sigaba semikhiqizo yezezimali sibonakala ngokuyisisekelo ngoba yilabo abazama ukukwenza phindaphinda ngendlela eqonde kakhulu Ukuziphatha kwenkomba yesitoko noma inkomba yemali engaguquki kungenzeka, ngaso sonke isikhathi uzama ukuziqhelelanisa kancane ngangokunokwenzeka nokuziphatha kwaleyo nkomba. Kuyisu elisebenza kahle kakhulu ukuze ungaphambuki emaphethelweni anikezwe yizo zonke izinkomba zamasheya zomhlaba wonke. Okuthile okungaholela ekutheni ube nokumangala okungajwayelekile kusuka manje.
Lesi sigaba semikhiqizo yezezimali sesibe semfashinini eminyakeni yamuva nje ngenxa yezifiso zabatshalizimali abancane nabaphakathi nendawo phinda ngokulingana kwizinkomba noma imikhakha yezimakethe zezimali. Ngale ndlela, ngeke kube khona ukuphambuka, noma ngabe kuncane kangakanani, okuhle noma okubi ekuvikeleni izintshisekelo zakho. Ngakolunye uhlangothi, kuzoba lula kakhulu ukuthola ukuthi siyini isimo sangempela sotshalomali lwakho nokuthi lesi sici asikwazi ukutholwa ngezimali ezijwayelekile kakhulu zokutshala imali.
Amandla avuselelekayo
Uma kukhona ukubheja lapho ingxenye enhle yabahlaziyi bezezimali ivumelana, lokhu ngokungangabazeki yilokhu. Bakholelwa ukuthi ingaba nendlela enhle kakhulu ngonyaka onzima kakhulu wezimakethe zezimali ezifana nalena. Kuyisiphakamiso esivele ngokusobala kepha esingakunika injabulo engaphezu kweyodwa kulezi zikhathi eziqondile. Akumangalisi ukuthi lesi sigaba sezinkampani sine- amandla okukhula, futhi ngenxa yalokho inzuzo, iyathandeka impela. Cishe amadijithi amabili futhi kunoma yikuphi ukuphakama kunalokho okunikezwa eminye imikhakha yamasheya kazwelonke nakwamanye amazwe.
Ngakolunye uhlangothi, akufanele ukhohlwe ukuthi lo mkhakha webhizinisi yiwona odale imiphumela emihle emakethe yamasheya ngesikhathi se- udisemba omnyama lokho kwagcwala ezimakethe zezezimali. Ezimweni eziningi ngebhalansi enhle kakhulu ukuthi ngandlela thile imangaze ingxenye enkulu yabatshalizimali abancane nabaphakathi. Ebhekene nesimo esiyinkimbinkimbi kakhulu lapho wonke amanani esitoko ehlise inani ngeseshini ngeseshini nangaphandle kwanoma yimaphi amakhefu ekwehleni kwawo. Usuyazi vele ukuthi kuzofanele ukhethe amandla avuselelekayo uma ufuna ukwenza ukonga kube nenzuzo kusuka manje.
Njengoba kungenzeka ubonile, imibono ngeke iswele ngonyaka ocatshangwa ukuthi unzima kakhulu kubatshalizimali. Lapho ukukhethwa kwezimpahla zezimali kuzobaluleke kakhulu, kodwa ngaphezu kwakho konke ukuba nesineke sokwazi ukuthi yisiphi isikhathi okufanele utshale ngaso imali yakho. Ngalo mqondo, iseluleko esihle kakhulu ukuthi ungajahi nganoma iyiphi indlela ngoba ungakhokha imali ebiza kakhulu ngakho-ke ushiye ama-euro amaningi umgwaqo we-2019. Ukuze ekugcineni ufeze inhloso oyiphishekelayo nokuthi ekugcineni konyaka ibhalansi ye-akhawunti yakho yamanje iba buoyant kakhulu okwamanje. Usenabambalwa bokuqamba isu lokutshala imali.