UMsombuluko omnyama ezimakethe zokulingana emhlabeni wonke ngenxa ye- ukunwetshwa kwe-coronavirus. Zonke izinkampani zikubomvu futhi zize zafika ngosuku olulodwa zonke izinzuzo ebezikhiqizwe selokhu kuqale unyaka. Lapho, amaKorea ehle ngo-3,5%, kanti amaShayina alahlekelwe ngaphezu kwe-15% selokhu kwaqala le nqubo yezempilo ephuthumayo. Mayelana nezimakethe zokulingana zaseYurophu, ekuqaleni kwesonto bashiye isilinganiso esilinganiselwa ku-4,5%. Okuthile okungazange kubonwe kusukela ngeBrexit futhi okuholele esimweni sokwesaba sangempela phakathi kwabatshalizimali abancane nabaphakathi.
Inkinga ye-coronavirus izibonakalisa kakhulu kunanini ngaphambili ezimakethe zezezimali, ibaluleke kakhulu ezimweni zase-Italy, ukuze ngale ndlela kuboniswe isimo sokuguquguquka okukhulu. Izimali eziningi zikhomba izimpahla zezezimali eziphephile futhi zisebenza njengesiphephelo ebunzimeni obubi. Kulokho okubandakanya ukuhlolwa kwe-litmus kwezimakethe zokulingana emhlabeni jikelele ngenxa yokuthi kungalahleka imali eningi emisebenzini eyenziwe emasontweni adlule kulo Msombuluko omnyama ekuhwebelaneni ngamasheya kwamanye amazwe.
Emholweni oguquguqukayo wezwe lethu, kube namanani njengasesimweni esithile sendiza IAG ukuthi kulo msombuluko owedlule akukho lutho olungaphansi kuka-10% lokulinganiswa kwalo olusele ezimakethe zezimali. Okusho ukuthi, uma ngabe utshale imali eyi-10.000 euros, okwamanje uzobe ulahlekelwe ngokungazelelwe ama-euro ayi-1.000 5. Vele, uma kwenzeka ukwenzile ukuthengisa ngoLwesibili ofanayo. Njengoba kwenzeka ngamanani axhumene nezokuthutha, amahhotela, ezokuvakasha ngokujwayelekile, izinkampani zikawoyela, ukusetshenziswa okunethezeka nezinkampani ezijikelezayo. Ukuthi ngezinga elincane noma elikhulu, kushiywe ngaphezulu kuka-XNUMX% ekuqaleni kwesonto osukwini oluzongena emlandweni ngenxa yokuma nokwehla kwalezi zimpahla zezimali.
Ukwethuka ezikhwameni: yini okufanele uyenze?
Ukuhamba kwemali kufuna isiphephelo egolide, i-ounce ikhuphuke ngaphezu kwe-4% ize isondele kakhulu emazingeni enawo $ 1.700 nge-troy ounce. Futhi konke kukhombisa ukuthi lo mkhuba uzoqhubeka ezinsukwini ezizayo. Ngakho-ke kungaba yindlela ecacile yokutshalwa kwezimali kubatshalizimali abancane nabaphakathi. Ngokunikezwa ukuphepha okunikezwa yile nto eluhlaza ebusweni bokuthi kungenzeka yini ezinsukwini ezizayo. Ngokwalokhu kubuka, ukutshala imali ensimbi ephuzi kungaba yinzuzo enkulu ngenxa yamandla wokubuyekeza angaba nawo kusukela manje. Ikakhulu, kunikezwe ukwanda kwesimo sempilo emhlabeni futhi izimakethe zezezimali ezilindeleke kakhulu kuzo.
Igolide, elingenakulibaleka, lingumhlomuli omkhulu walesi simo esisha futhi sekuvele kunezimali eziningi zokutshala imali ezibheke ezikhundleni zazo ukuze zenze izimpahla zazo zibe nenzuzo. Njengoba kwenzekile ngokomlando ngale mpahla ebalulekile yezezimali. Lapho amazinga wenzalo ephansi kakhulu futhi amathemba akuwona nokukhuphuka okuqinile. Ngenxa yalokho, izindleko zamathuba ziye zehliswa kakhulu futhi uma singeza kulokho izindleko zokwenza ukuthengiselana ngesikweletu kanye nengozi engaba khona yokutshalwa kwemali kwesikhathi eside ngejika lesivuno ngokuphelele, lezi izizathu ezanele ukuqala ukucabanga ukuthi i-Central Amabhange azokhawulela ukuthengiswa kwawo kwegolide afike ezingeni eliphezulu futhi kunengqondo ngisho nokucabanga ukuthi angaba abathengi bezimali ngenxa yezici ezinjengokuvikelwa kumanani emali.
Sula izimali
Vele, ukuthola izeluleko ezinhle nokuhlukanisa kahle iphothifoliyo kungesinye seziqinisekiso ezinhle kakhulu ze- impumelelo yokusebenza kuzimpahla ezahlukahlukene zezezimali. Ngomgomo ochazwe kahle kakhulu futhi lokho ukuthi konke lokhu kufanele kube nenhloso yokugwema ukungaqiniseki okwenziwa emhlabeni ngenxa yokwanda kwe-coronavirus. Akusona isikhathi esifanele sokuzibeka endaweni eyodwa yezezimali, kepha kunalokho ukusabalalisa phakathi kweziningi futhi, uma kungenzeka, ziphephe kakhulu kunezinye izinto ezinolaka. Akumangalisi ukuthi udlala imali eningi ngalesi sikhathi esiqondile. Lapho ungashiya khona ama-euro amaningi endleleni uma ungathathi isinqumo esifanele.
Ngenkathi ngakolunye uhlangothi, izeluleko ezifanele zingakusiza nasemiphumeleni yokutshala kwakho imali, okungenani esikhathini esifushane. Ukuphi ingozi ukunyakaza isemuva kakhulu ngezindaba zakamuva ngaleli gciwane ezithinta ingxenye enkulu yezimakethe zezimali. Ngale ndlela, ibhange lakho lizohlala likwazi ukweluleka ukuthi yini okufanele uyenze ngalezi zinsuku ezikhethekile. Uma kunikezwe ubungozi obungadingekile bokuthi uzotshala imali oyongele kwimikhiqizo engakhonjisiwe okwamanje. Hhayi kuphela maqondana nezimakethe zokulingana, kepha futhi nemali engenayo engaguquki noma kwezinye izindlela zokutshala imali. Ukuze ngale ndlela ukwazi ukuzivikela ngempumelelo enkulu futhi ngaphezu kwakho konke ngokugcina izikhundla zakho ngempumelelo.
Izimali ezixhunyaniswe nokungazinzi
Lo ngomunye wemikhiqizo engaba nenzuzo enkulu kuwe ngenxa yezici zayo ezikhethekile, yize zingenabo ubungozi, ikakhulukazi uma ukuthambekela kuguquka kakhulu kusuka manje. Ukuze ukwazi ukuhambisa lolu tshalo-mali olukhetheke kakhulu, kufanele wazi ukuthi kunezimali zokubuyiselwa ngokuphelele ezinjenge Amundi iphayona ezihlangabezana nalezi zinhloso ezibukhali. Njengezimali ezingaguquguquki kwiMSCI World ukuthi noma ikuphi kungangeza inani eliningi njengesikhundla seqhinga kulokhu kungazinzi. Vele kukhona futhi okunye okulungiselelwe eminyakeni yamuva ngabaphathi bezimali ababaluleke kakhulu, kuzwelonke nangaphandle kwemingcele yethu.
Kunoma ikuphi, akukhona ukutshalwa kwezimali okuvamile, kepha kunalokho, kudinga izikhathi ezikhethekile ezingapheli. Lokho okungukuthi, kuhloswe ngezikhathi zokugcina ezimfushane hhayi ngomsebenzi wokuba nazo isikhathi eside ngoba zingakunika ukumangala okungaphezu kokukodwa kusukela manje. Ekupheleni kosuku, kumayelana nesimo sezulu lesi siphepho esithinta ngokuphelele izimakethe zamasheya emhlabeni jikelele, futhi ikakhulukazi uma lesi simo siba sibi ezinsukwini noma emasontweni azayo. Ngalo mqondo, izimali zokutshala imali ezixhunyaniswe nokungazinzi zingasiza kakhulu ukubeka imali esimweni esingesihle njengalesi esikhona njengamanje.
Ukuqasha amabhondi endawo
Kuyathakazelisa ukuthi ungahlanganisa ukulingana komhlaba wonke nezinye izimpahla zezezimali, njengalezo ezimelwe ngamabhondi kazwelonke. Ngoba ngokusetshenziswa kwaleli qhinga elilodwa nelisisekelo ekutshalweni kwemali, lingaqhubeka nokusebenza kahle kulezi zikhathi zokwehla okujwayelekile futhi liqhubeke nokwenza kahle. Ikakhulukazi uma leli qhinga lihambisana nokubalulekile nokulinganisela ukwehluka kwiphothifoliyo yethu yokutshala imali. Ngaphandle kokukodwa okwamanje, futhi leso yisibopho sase-Italy esingaba sengozini kakhulu kunamanye njengoba izwe lase-transalpine liyisizinda segciwane ezwenikazi elidala.
Ngakolunye uhlangothi, lezi zinhlobo zemikhiqizo yezezimali zivikela kakhulu kuzimo ezingezinhle zezimakethe zezimali, njengoba kwenzekile eminyakeni eyedlule. Yize ukwazi kusengaphambili ukuthi inzuzo yayo ngokuqinisekile ngeke ibukeke. Hhayi kancane. Uma kungenjalo, ngokuphambene nalokho, izohamba ngemfoloko emincane kakhulu e-oscillates phakathi kuka-1% no-3%, ngokuhambisana nalokho imikhiqizo ehlukahlukene yasebhange yomaka wokonga. Isibonelo, imali yesikhathi esinqunyiwe enikeza ukubuya okumaphakathi nonyaka okungaba ngu-0,90%. Njengomphumela wentengo eshibhile yemali ngabaphathi bezimali baseYurophu.
Sesihambile isikhathi lapho izimakethe zamasheya bezinganiki ukubaluleka kwe-coronavirus. Kepha leli su lokuphatha lifiphele kulo Msombuluko omnyama kubatshalizimali. Ngaphandle kwalabo abathengise ngesikweletu noma ngemikhiqizo ebuyiselwe emuva. Kokubili emakethe yamasheya nakweminye imikhiqizo yezezimali, njengezimali zokutshala imali. Imisebenzi eyenziwa kumongo wamanje kodwa inenzuzo enkulu kwizintshisekelo zabatshalizimali abancane nabaphakathi. Ukuthi ekuqaleni kwesonto bekwazile ukuqinisekisa ukuthi ibhalansi yabo yokutshala imali ikhule kanjani ngokuphawuleka, yize ngenhloso yokwenza ukuphuma njengoba kuyiminyakazo enezingozi eziningi. Mhlawumbe akwamukeleki engxenyeni enkulu yabasebenzisi bemakethe yamasheya ngenxa yobunzima bokusebenza ezindaweni ezimfushane.