Izimpahla zezimali ezisebenza njengesiphephelo kutshalomali ngezikhathi ze- ukungaqiniseki kwezomnotho bacasulwe kakhulu ezinyangeni ezimbalwa ezedlule. Bacishe bafinyelele iziphakamiso ezimbalwa, futhi njalo ngaphansi kwezimpawu ezichazwe kahle, ezingafanelanga noma iyiphi iphrofayli yabasindisi. Sezidlulile izikhathi lapho imikhiqizo yezezimali ingahle ikhontrowe ngaso sonke isikhathi ukungazinzi kwemakethe yezulu.
Njengamanje kunzima kakhulu ukusebenzisa lezi zindlela ezihlukile zokutshala imali, futhi lapho kungekho khona umuntu ongabazayo ukuthi izinto seziba nzima kakhulu ukuthola imbuyiselo egculisayo kulokho okulondoloziwe okunqwabelene isikhathi eside. Akumangalisi ukuthi abahlaziyi abahlukahlukene bezezimali bahlangana ekugcizeleleni lokho ukwenza izimbuyiselo ezinamadijithi amabili kuzoba umsebenzi ongenakwenzeka eminyakeni embalwa ezayo. Kunoma ikuphi, uthatha ubungozi obukhulu ekuthengeni izikhundla.
Kusuka kulo mongo ojwayelekile, amathemba akho otshalo-mali ngeke athembise ukuhlangabezana nezinhloso zakho ozifunayo: ukukhulisa ukulingana. Zonke izici zibonakala zisebenza ngokumelene nawe. Ngakolunye uhlangothi, imikhiqizo yokonga yendabuko (amadiphozithi, amanothi ezethembiso zasebhange, amabhondi, njll.) Angadluli kumzuzu omuhle kakhulu, kude nawo. Okwamanje bakunikeza inzuzo emaphakathi yonyaka ecishe ibe ngu-0,50%, nokuningi okuncane besebenzisa eminye imiklamo enolaka kakhulu. Njengomphumela wesinqumo sebhange elikhipha iYurophu lokwehlisa intengo yemali futhi eselifakelwe ngokushesha kulezi zinhlobo zokonga.
Imakethe yamasheya ayingcono kakhulu, ngokuya phansi, okungenani esikhathini esifushane, okwenza kube nzima kakhulu kuwe ukunquma ukuthatha izikhundla ezimakethe zabo, ngaphandle kwalapho ufuna ukubeka engcupheni iminikelo yakho yemali ngokweqile. Hhayi ngeze, izimakethe ezinkulu zokulingana zezwekazi elidala zikhombisa ukuwa okukhulu ezinkampanini zezitoko zazo phakathi nemigoqo yokuqala yonyaka omusha, noma kwezinye izimo ezinobuthi obukhethekile.
Kulesi simo, kunzima kakhulu ukuxhumanisa, okungenani okwesikhashana, inqobo nje uma izimpawu eziyinhloko zokungazinzi ezikhiqizwayo zinganyamalali: ukukhula okuphansi eChina, izinkinga zomnotho emazweni asafufusa kanye nokwehla kwentengo kawoyela ongahluziwe , phakathi kwezinye izinto.
Indlwana yokukhosela esikhwameni
Zimbalwa izindawo onazo njengamanje ezimakethe zamasheya. Amanani ezinhlamvu zokuzivikela awasafanele kuwe ukuthi kokunye ukuzivocavoca bakusizile ukuthi uvikele ukonga kwakho ngezikhathi zobunzima obukhulu. Kuyiqiniso ukuthi bazokwenza kangcono kunabanye, kepha noma kunjalo bazohlala bemukela ukwehla kwamanani. Kuphela uma uzokwakha iphothifoliyo yesikhathi eside yokutshala imali, lapho ungazivumela ukuthi wenze ukuthenga okukhethiwe usebenzisa amanani aphansi lapho amasheya abo efakwe kuhlu ngawo.
Kuphela lezo zinkampani ezifakwe kuhlu ezingathathwa njengendawo ephephile, enama-nuances amaningi basabalalisa imali eyinzuzo ephezulu kubaninimasheya, ngenhla kuka-5%. Lelisu lingaphakanyiswa ukuze unyaka nonyaka ukwazi ukuthola unomphela lezi zinkokhelo, kungakhathalekile ukuvela kwentengo yayo. Imbalwa imikhiqizo ezokunikeza ukusebenza okuqinisekisiwe okufana nalokhu, ukusho okuncane. Ngakho-ke, angamanani acelwa kakhulu abasebenzisi ngezikhathi zokungaqiniseki okukhulu kwezomnotho.
Esinye isixazululo ozoba naso, ngaphandle kokushiya isikhwama, sizoba nokuqasha i- intela yethemu lokho kusekelwe kunoma iyiphi yalezi zimpahla zezimali. Kuzoba yindlela yasekuqaleni yokuvikela imali ngomkhiqizo ozokhiqiza imbuyiselo eqinisekisiwe eqinisekisiwe, yize ingaziwa kakhulu. Futhi ubhasikidi wamasheya lapho intela ixhunywe khona, uma uhlangabezana nezinhloso ezithile eziphansi, kuzokuvumela ukuthi uwukhulise ube semikhawulweni ethile eyamukelekayo ngezintshisekelo zakho.
Igolide yebo, kepha alifani nezinsuku zakudala
Ngokwesiko insimbi ephuzi ibilokhu ikhona kubhekwe inani lesiphephelo ngokugqama. Futhi ngokwengeza kwezinye izinsimbi eziyigugu (igolide, isiliva, iplatinamu ...), okwakuhlala kuthokozwa kuzinqubo zokwehla komnotho, noma okungenani ukungaqiniseki ezimakethe zezezimali. Yebo, le ndima ayisafani, futhi noma ingasebenza njengesiphephelo ngesikhathi esithile, ayenzi ngamandla amakhulu njengakwiminye iminyaka. Kuzo zonke izingqinamba zezomnotho zekhulu leminyaka elidlule, bekungukutshalwa kwemali okuphelele lapho bezingekho ezinye izindlela ezimakethe, zombili imali engenayo engaguquguquki neguqukayo.
Kunoma ikuphi, kungenye yezinketho ezimbalwa onazo kulezi zikhathi zokudideka ezimakethe. Ukwazi ukuthola ukusebenza okungamukeleki kakhulu, kepha noma kunjalo ungalindeli ukubuyekezwa okukhulu, ngoba ngeke kwenzeke ngokuphepha okuphelele. Uma ekugcineni ukhetha le mpahla yezezimali, uzokwazi ukwenza umsebenzi ngeziqinisekiso ezigcwele, noma ukuthenga igolide elibonakalayo, noma ukwehluleka lokho, ngesikhwama sokutshala imali esuselwa kuzinsimbi eziyigugu.
Futhi noma ngabe unesibindi futhi unobuhlakani obukhulu, ungancika ku ukuthengwa kwemigoqo yegolide, noma izinhlamvu zemali zegolide ongathola ngayo ukusebenza ngemuva kweminyaka embalwa. Kunoma ikuphi, insimbi ephuzi iphatha idumela njengenani lesiphephelo elingazange libe namandla kangako ezinkingeni zokuqala zekhulu lama-XNUMX. Kulula ukuthi ukhumbule lokhu ngaphambi kokulindela ukuthatha izikhundla kulokhu kutshalwa kwezimali okuyingqayizivele.
Izimali ezikhethekile kakhulu
Njengoba kunikezwe izinhlobonhlobo zezimali zokutshala izimali ezenziwe abaphathi emhlabeni jikelele, kujwayelekile kuwe ukuthi ucabange ukuthi ngabe baklame leyo ewusizo ngempela ngezikhathi zokungaqiniseki okukhulu. Impela uzoba nakho kunzima kakhulu, ngoba le mikhiqizo yokonga iyathinteka yisimo esikhona manje somnotho womhlaba. Futhi nezimali zemali engenayo engaguquki zisindile kulo mkhuba ojwayelekile, futhi zikhombisa nokusebenza okubi kakhulu kunezimali eziguquguqukayo, noma izimali zokwakhiwa okuxubekile.
Naphezu kwakho konke, ineziphakamiso eziningana ezisebenza njengesiphephelo sokonga kwakho. Enye yazo ivela Izibopho zaseNyakatho Melika, ukuthi bangenza kangcono ezimakethe ngenxa yenqubomgomo yemali eyenziwe yiFederal Reserve yase-United States. Futhi nokuthi ungawaqasha ngezimali eziningi ezisuselwe kule mpahla yezezimali. Ngeke bakunikeze izinkinga eziningi, futhi bathambekele nasekuzinzileni okukhulu ekuguqukeni kwamasheya abo. Ngokuphambene nezibopho zaseYurophu noma ezivelayo ezisesimeni esibucayi kakhulu.
Enye insiza ongayikhetha ngaphakathi kwezimali zokutshala imali yilokho okuthiwa ukubuya ngokuphelele. Yizona ezinconywe kakhulu ngabahlaziyi abaphambili bezotshalomali. Akumangalisi ukuthi ukuvela kwayo ezinyangeni ezimbalwa kukuhle kakhulu kunakwamanye amamodeli, noma ngabe kwakuyini. Ngokumangazayo, ngenkathi zonke izimakethe nempahla yezezimali yehla, noma ngabe kwenzeka ukuphahlazeka, lezi zimali bekuyizo zodwa ezibonge, noma okungenani zigcinwe. Kulula ukuthi ukubheke ukulungiselela iphothifoliyo yakho yokutshala imali unyaka wonke.
Ukuguquguquka okukhulu kwezimali
Le makethe yezezimali iba ngesinye sezimo eziguquguqukayo kunazo zonke, ngokushintshana okwenza nabadayisi abancane abanovalo batatazele. Futhi bangaba ithuluzi lokuba izimpahla zokuphepha eziphephile ngesikhathi esithile ngesikhathi. Noma kunjalo, zilungele ukusebenza kwesikhashana, ngoba ukunyakaza kwabo kunamandla kakhulu, ngomqondo othile nakwezinye. Futhi bangakubamba ngonyawo olushintshile. Kufanele uqaphele uma ukhetha imali eyinhloko emhlabeni.
Inzuzo engenziwa kusukela ekusebenzeni kwakho iphezulu kakhulu, kodwa futhi nokulahlekelwa kwakho. Ngokwalesi sizathu, Akunconyelwe kakhulu kunoma iyiphi iphrofayili yomtshalizimali, kude nayo. Futhi kuphela abanolwazi kakhulu kule makethe ethize abazokwazi ukukhetha lolu hlobo lokutshalwa kwemali, ngakolunye uhlangothi okuyingozi kakhulu. Yize ubala ngokunikezwa okubanzi futhi lokho kukhiqiza ukuguquguquka okukhulu kumanani aso.
Ezinye izindawo zokonga
Uma, ekugcineni, kuzo zonke iziphakamiso esikuhlinzeka ngazo kule ndatshana, uthola ukuthi asikho nesisodwa esanelisa izifiso zakho njengomtshali-zimali omncane, kuzoba nzima kakhulu kuwe ukuhambisa imali eselondoloziwe kuze kube manje. Manje kuzofanela ulingise ogogo nomkhulu bakho futhi ubagcine ngaphansi kukamatilasi ukuze okungenani uqhubeke nokugcina ifa liqinile, futhi ungabanikela ukuzitika, noma wenze lolo hambo okade ufisa ukuhamba nalo umndeni wakho.
Ngokunengqondo, kufanele futhi ukuthi uyibeke kwelinye lamadiphozithi etheimu enziwe yizinkampani zebhange. Kepha ukwazi kusengaphambili ukuthi uzoqasha okuncane kangakanani. Kuyaqabukela weqe iphesenti lephesenti ngentshisekelo yakho, futhi ngalokhu kungadingeka ukuthi ubhalise isikhathi esinyene ngokweqile sezintshisekelo zakho. Futhi-ke, awunakuba nemali yakho etholakalayo ngalesi sikhathi. Ngeke ube nokunye ongakwenza ngaphandle kokuhlaziya ukuthi ngabe kuyakhokhela yini ukusayina lo msebenzi.
Uma ungafuni ukuba ngaphandle kweminikelo yakho isikhathi eside, ngeke ube nesinye isixazululo ngaphandle kokuya kuma-akhawunti okonga, futhi uma kungenzeka ngomholo omkhulu. Kepha noma kunjalo, ngeke ukwazi ukwandisa ukusebenza ngendlela obungathanda ngayo, ezimweni ezinhle kakhulu ezofinyelela ku-1% webhalansi etholakalayo. Njengesinqumo sokugcina, uzoba nenketho yangempela yokwenza ifayela le- ukubolekwa phakathi kwabantu ngabanye, Ukusebenza kwayo kuzokunikeza isilinganiso senzalo esingaba ngu-6%.
Futhi uma, naphezu kwakho konke, akukho okukukholisayo, kungaba yisikhathi sokuqala iphrojekthi yezamabhizinisi. Lokho kuzothuthukiswa ngamakhredithi amaningi anikezwe amabhange ukuthuthukisa lo msebenzi. Ngezimo ezithandekayo zebhizinisi lakho, nalapho kubonakala khona izintshisekelo zokuncintisana kakhulu.