Amabhange amakhulu eCanada, eJapan. INgilandi, iSwitzerland, i-United States Federal Reserve kanye ne-European Central Bank bamemezele ukwethulwa kwesinyathelo esihlanganisiwe yibo bonke abazonikela ngaso ukwehluleka kwemali ngokushintshaniswa kwedola kokumele umsebenzi wokuqala ohlangene wokuvimbela inkinga yokusakazeka kwe-coronavirus ekusakazekeni komnotho wezwe. Kepha ngisho nalesi silinganiso asibathulisanga nhlobo abatshalizimali kwaze kwaba seqophelweni lokuthi izimakethe zokulingana zehle ngoMsombuluko omnyama ngesilinganiso esingu-8%.
Ukuthengwa kwezimpahla phakathi kwamabhondi azimele kanye nezinhlangano zombuso ezineziqinisekiso zemalimboleko ngenkathi kwehliswa intengo yemali kufika ku-0% kusuka ku-1% naku-1.25% lapho bekukhona kuze kube manje. Kepha ngaphandle kokusebenza, njengoba ikusasa likhombisile ekushintshaneni kwesitoko ezinhlangothini zombili ze-Atlantic. Kuze kube sezingeni lokuthi izimali zaseMelika kudingeke ukuthi zimise ukufakwa kuhlu kwazo ukuthi kungokwesithathu ukwenziwa kwalesi silinganiso esinamandla. Kunoma ikuphi, okuthile abavumisi bezimali abavumelana ngakho ukuthi izimakethe zamasheya ziphukile futhi azinakekeli noma yiluphi uxhaso olufanele.
Ngakolunye uhlangothi, ukuchithwa kwemali yempesheni kanye nezimali zokutshala imali, ukulahlekelwa kuhamba ebangeni elihamba phambili phakathi kuka-5% no-10% kuya ngezimpahla zezimali ezakha iphothifoliyo yakho yokutshala imali. Kukusiphi isimo esibi kunazo zonke ukonga nokutshalwa kwemali eminyakeni eminingi futhi eminingi. Akumangazi ukuthi eminye imithombo yezindaba iqhathanisa lesi simo naleso Sokwehla Okukhulu Kwezomnotho kwango-1929. Ngaphezu kokuwohloka komnotho okwenzeka eminyakeni engaphezudlwana kweyishumi edlule. Sonke sihlupheka kakhulu kunasekupheleni kukaFebhuwari.
Amaphutha womsebenzisi
Abatshalizimali abancane nabaphakathi balahlekelwa yimali eningi ngesikhathi esifushane kangaka. Okubi kakhulu futhi okuwukuphela kwento esingayenza kula mazinga ukufunda emaphutheni enziwe. Ukuze ngemuva kwezinyanga ezimbalwa lesi simo singaphinde senzeke. Ngalo mqondo, elinye lamaphutha amakhulu elenziwe ngabatshalizimali abancane nabaphakathi akukhona ukufaka imali yabo ngaphansi kwe- a isu lamanani. Lokhu kusho ukuthi lezi zinhlobo zokuphepha zizinzile ngokwengeziwe futhi ngokuvamile zithuthukisa ibhizinisi labo emikhakheni evuthiwe enezithiyo zokungena eziqinile. Sikhuluma ngezinkampani zemikhakha evikelayo efana nogesi noma ezinikezelwe ekusetshenzisweni okungahambisani nomjikelezo: imithi, ukudla ... Njengesibonelo, izimpahla zezimali ezifana ne-Endesa, i-Ebro, njll.
Okutholakele kwaleli su kusekelwe ephutheni elenziwe lapho kuthengiswa izibambiso zokucabangela. Lokho kusho ukuthi, ekugcineni bangakhipha ukulahleka okuhle kakhulu kuzo zonke izinhlobo zezimakethe zezimali. Noma benengozi yokuthi bangabhanga bese beshiya yonke imali etshaliwe. Akunakulibaleka ukuthi lesi sigaba sokutshalwa kwemali asibhekwa kanjalo, kepha kunalokho gxila ekusebenzeni okusobala okucacile. Futhi ukuthi ezimweni zamanje kungaba iphutha elikhulu ukufaka izikhundla zabo, noma ngabe amanani abo aphansi kangakanani ezimakethe zezezimali.
Ungahambisani negagasi
Akukho okuzuzisa okuncane njengokuphikisana nomkhuba wezimakethe zamasheya. Ngalo mqondo, kufanele kukhunjulwe ukuthi kufanele uhlale unalokho okushiwo yilezi zimpahla zezimali. Futhi-ke, ku- izikhathi ezingapheli Ngeke kube khona okunye abangakwenza ngaphandle kokuba sesimweni sokukhokhelwa ukuze kutholakale lokho bonke abatshalizimali abancane nabaphakathi abathola khona manje kungenzeki. Ngeke isinikeze ukuthula kwengqondo okuningi kusuka manje futhi singasebenzisa namathuba webhizinisi langempela. Esikhundleni salokho, singazuza kumanani entengo aphansi kakhulu kuze kube manje. Futhi lesi yisifundo okuzofanele sisifunde kulezi zehlakalo esibhekene nazo.
Ungalokothi ulinganise phansi
Izikhathi eziningi ukuma okungekuhle kwephothifoliyo yethu yezokuphepha kungenxa yokuvela kwezimakethe, kulokhu kune-bearish, kepha kuyiqiniso ukuthi kwezinye zitholakala emaphutheni ethu. Futhi okunye okubaluleke kakhulu ukukala phansi futhi lokho kuyinto eyenziwa ngabatshalizimali abancane nabaphakathi abakwenzayo ukunciphisa ukulahlekelwa kwakho. Akumangalisi ukuthi abanye abatshalizimali lapho belahlekelwa yimali ezimakethe zamasheya bakhetha ukusebenzisa leli qhinga ukunciphisa ukulahlekelwa kwabo. Futhi okuwukuphela kwento abazoyizuza ukucubungula ukukhubazeka kwabo osekuvele kuphakeme ngamandla amakhulu okulahleka ezikhundleni zabo futhi lokho kungaphakama kakhulu kunokujwayelekile.
Ngenkathi ngakolunye uhlangothi, elinye lamaphutha abatshalizimali abancane nabaphakathi abenza njalo phuthuma ezinqumweni zakho futhi lokho kungaholela esimweni esingafuneki. Ngalo mqondo, ngaphambi kokwenza isinqumo kunconywa ukuthi umhlaziyi wezezimali noma wemakethe yamasheya asisize ukuhambisa utshalomali lwethu ngenxa yaleli su lokutshala imali. Ngoba ekupheleni kosuku, abasebenzisi abanayo yonke idatha yokwazi ukuthi yini ebalungele kakhulu ngesikhathi esithile. Akufanele ikhohlwe ukuthi le phrofayili yabachwepheshe bakhona ukweluleka amaklayenti abo futhi ezimweni eziningi mahhala futhi ngaphandle kwezindleko zezomnotho kubasebenzisi bamabhange.
Ukungabi nesineke ngezikhathi zokugcina
Akungabazeki ukuthi isici sezengqondo singesinye isici esinqumayo sokugwema ukwenza amaphutha ekutshalweni kwemali kusukela manje. Mayelana nalesi sici, kufanele kuqashelwe ukuthi ngaso sonke isikhathi kungcono ukulinda ukusebenza okungalungile futhi lokhu kuyisici okufanele usifunde ukuze isimo odlula kuso singakudlulisi ngalesi sikhathi esiqondile. Kufanele wazi ukuthi akekho umuntu okuphoqa ukuthi uthathe izikhundla phakathi nazo zonke izinyanga zonyaka. Hhayi kancane. Kuze kube seqophelweni lokuthi kufanele ukhethe kakhudlwana esinqumweni kunakuqala ngoba ekugcineni imayelana nani gcina imali oyongile ngaphezu kwezinye izinhlobo zokucatshangelwa kwezobuchwepheshe okuvela ezimakethe zezimali ngokwazo.
Musa ukuthenga ezindaweni eziphakeme
Kusukela manje kuqhubeke uzokwazi ukuthi akuyona into enhle ukuthenga ngamanani aphezulu noma aphezulu kakhulu. Noma kungenxa yokuthi amandla ayo wokubuyekeza azoba mancane kunezinye izimo ezinolaka. Vele, akufanele ukhohlwe ukuthi lokhu akuyona imisebenzi enenzuzo ngenxa yengozi ehilelayo. Noma yini i- isikhathi sokuhlala obhekise kuyo njengamanje. Mayelana nalesi sici, akukho okunye ongakwenza ngaphandle kokuhlaziya ukuthi ekugcineni kwalezinhlangano ubeka engcupheni enkulu yokuthi ukulungiswa kulukhuni kakhulu futhi kungalahleka imali eningi kule misebenzi. Ngakho-ke, kufanele unciphise lolu hlobo lwezenzo ezimakethe zezimali.
Ngenkathi ngakolunye uhlangothi, kuwumqondo osebenzayo ukuthi awuzemukeli zonke izincomo ezikhethweni zokutshala imali. Ngalo mqondo, akukho okungcono kunokukhetha kakhulu emithonjeni yolwazi ngoba kungakuholela ezimeni ezingafuneki kuwo wonke amaphrofayili wabatshalizimali abancane nabaphakathi. Ngoba empeleni, izintshisekelo ezingahle zenziwe abanye babahlaziyi kungenzeka zingafunwa kakhulu yibo bonke abasebenzisi, noma ngabe yiliphi isu abazolisebenzisa ukwenza ukonga kwabo kube nenzuzo. Kanye neqiniso lokuthi kufanele ugweme izinkohliso ezisatshalaliswa yizinkundla zokuxhumana nabantu bokuxhumana nabantu.
Izingozi zokuthenga ama-resistors
Ukusetshenziswa kwaleli su ekutshalweni kwemali akungabazeki ukuthi ekugcineni kudala ubungozi obukhulu kutshalo-mali. Ngoba uma inhloso ingafinyelelwanga ukulungiswa kungaba phezulu kakhulu. Ngakho-ke, ayikho enye indlela ngaphandle kokulinda la mazinga ukuthi adlulwe ngokwanele okuthile. Futhi-ke yebo, yenza ukuthenga okukhethiwe ezimakethe zamasheya ngeziqinisekiso ezinkulu zempumelelo kusukela manje kuqhubeke. Kuze kube manje, leli phuzu libalulekile, okungenye yeziphambeko ezivame ukwenziwa abatshalizimali abancane nabaphakathi.
Ngenkathi ekugcineni, kufanelekile ukulinda ukuthi ukuphikiswa kwephulwe ngezikhathi ezithile ezimakethe zamasheya, hhayi ngosuku olulodwa. Ukuze wenze imali etholakalayo inenzuzo kuzo zonke izimo ezingabonakaliswa izimakethe zezimali. Ukuze ngale ndlela, usesimweni esingcono ukuhlangabezana nokulindela kwakho ezweni lotshalo-mali. Futhi lokho, ngemuva kwakho konke, enye yezinhloso zakho eziseduze kakhulu kusukela manje kuqhubeke. Ungakhohlwa uma ungafuni ukuthi ufinyelele ezimweni ezingathandeki kubo bonke abatshalizimali abancane nabaphakathi.