Ngesikhathi lapho ukungaqiniseki kungena ezimakethe zezezimali, iresiphi enhle kakhulu ukukhetha izindawo zokuphepha eziphephile. Ngabo, ukonga kungenziwa kube nenzuzo ezimweni ezinzima kakhulu. Ngenzuzo yokuthi ingahanjiswa hhayi kuphela ezimakethe zokulingana, kodwa futhi nangayo ezinye izimpahla zezimali. Kuyindlela ephumelela kakhulu yokubhekana neziphepho empilweni yezomnotho nokwenza inzuzo ngaleli su lokutshala imali. Okuthile okungasiza kahle ngokwenzekayo eCatalonia okwamanje.
Kukhona umthungo ocacile futhi lokho ukuthi imali ihlale isabeka. Ukugeleza kwemali kukhona bakhosele ezimpahleni zezimali eziphephe kakhulu kuwo wonke umzuzu. Ngoba noma ngezikhathi zobunzima zingatholakala ziyiqiniso amathuba ebhizinisi. Njengoba kwenzekile eminyakeni yamuva noma ngisho namashumi eminyaka. Lokhu yinto ongayiveza ngomlando womkhakha wezimakethe zezimali. Ngabe ufuna ukwazi ukuthi ungayiqondisa kuphi imali yakho ngalesi sikhathi?
Ngeke kukusize kuphela ukuthuthukisa ibhalansi ye-akhawunti yakho yokuhlola, kodwa futhi kuvikele nezikhundla zakho njengomtshali-zimali omncane naphakathi. Inkani nje ungagcini ezingeni likazwelonke. Kuzoba kubaluleke kakhulu ukuthi uthuthele kwezinye izimpahla eziyimali. Futhi uma kungenzeka kwezinye izindawo zomhlaba jikelele. Ngokuhlukahluka okukhulu ekutshalweni kwemali, ngokuguquguquka kwezindlela. Kuzoba yinto okuzofanele uyicabangele kusuka manje. Kuhanjiswe ngabaphathi kuzinsizakusebenza ozabela imali.
Refuge par ubuhle, igolide
Insimbi ephuzi ngokungangabazeki ingenye yamanani esiphephelo afanele kakhulu. Awukwazi ukukhohlwa ukuthi izihloko ezinkulu phephela kule nsimbi eyigugu lapho izinto zingahambi kahle ezimakethe zezimali. Kukhona ukugeleza kwemali okusuka kwimikhiqizo yendabuko iye kokusha kakhulu. Futhi lokhu kungenye yazo, ngenxa yezizathu ezahlukahlukene zokuyisebenzisa. Ngoba impela, insimbi ephuzi ivame ukukhuphuka ngamandla amakhulu ngezikhathi ezibucayi kakhulu ezimakethe zezezimali. Ngokubuyekezwa okumakwe kakhulu, cishe njalo ngaphezu kuka-20%.
Le nsimbi eyigugu ikusiza ukuthi ungabi nemali engasebenzi ngokuphelele kulezi zimo eziyinkimbinkimbi. Ngokungena okuphawulekayo kwemali okuqhuba inani lentengo. Yize kunenkinga enkulu yokuthi kunzima kakhulu ukuthatha izikhundla kule mpahla yezezimali eyingqayizivele. Phakathi kwezinye izizathu ngoba ngeke ukwazi ukukwenza ngqo esikhwameni. Kepha kunalokho, ngeminye imikhiqizo ehlukile, eminye yayo eyinkimbinkimbi ekusebenzeni kwayo. Ngoba kufanele ube nesiko elikhulu lezezimali ezindleleni zakho zokutshala imali.
Izibopho Zokukhiqiza Okuphezulu
Le mikhiqizo engenayo engaguquki ingesinye isixazululo sezimo ezibucayi kakhulu ezimakethe zokulingana. Kepha hhayi noma iyiphi ibhonasi, kunjalo. Kepha labo ababambe iqhaza njengabaphikisi babhuleka kulezi zimo ezingalindelekile kubatshalizimali abancane nabaphakathi. Phakathi kwabanye, Izibopho zaseJalimane noma zaseMelika. Akumangalisi ukuthi zinikeza ukuvikelwa ezikhathini zokungaqiniseki okukhulu ezimakethe zezezimali. Kuze kube seqophelweni lokuthi bathola ukuvuselelwa ngamandla amakhulu kunezinye izikhathi ezithule. Futhi kuleli cala, bayamukela ukusebenza kwengcebo enkulu. Obani abathatha izikhundla ngokushesha ukuze bandise imali yabo kuzo zonke izimo.
Lesi sigaba sezibopho kulula ukusenza kunezinye izindawo eziphephile. Ungababhalisa kusuka ebhange lakho elijwayelekile ngeminikelo engabizi kakhulu yezimali kuyo yonke imizi. Futhi lapho ubungozi buzoba buphansi kunezinye izimpahla zezezimali, njengegolide noma olunye utshalomali. Ngaphezu kwalokho, unenketho yokugcina ukwenziwa ngokusemthethweni kwayo ngezimali zokutshala imali ngokuya ngale mpahla yezezimali ebalulekile. Lapho ingahlanganiswa namanye amamodeli wokutshala imali. Kokubili maqondana nemali engenayo engaguquguquki neguqukayo.
Izinto zokusetshenziswa njengesisombululo
Unezinto zokusetshenziswa enye indlela yokuvikela ukonga kwakho kulezi zikhathi ezinzima. Ngenzuzo ongakhetha kuyo izindlela ezahlukahlukene zokutshala imali. Yize okunye okuphumelelayo kungukuthi iphela ngokudla. Ikhofi, ubhontshisi, ukolweni noma ummbila kungakhiwa njengezinye zeziphakamiso ezikhethiwe. Kunoma ikuphi, kuzofanele uye ezimakethe zomhlaba wonke ukwanelisa lesi sidingo. Ikakhulukazi e-United States, okuyilapho babhalwe khona kakhulu ezimakethe zabo zamazwe omhlaba.
Ngezikhathi zokungazinzi komnotho nezepolitiki, basebenza njengezindawo zokuphepha ezisebenza kahle kakhulu. Ngokubuyekezwa ngenhla kokujwayelekile futhi kunjalo kudlula amamaki enzuzo anikezwa yimakethe yamasheya ezikhathini ezinzima kangaka. Ukuphazamiseka kwayo okuyinhloko ukuthi kuzodingeka ukwenze shintsha imali ukwenza imisebenzi ibe semthethweni. Isici esizokhiqiza izindleko ezingeziwe zokwenza lokhu kuhamba kwasebhange. Ngokusebenzisa amakhomishini okuthi kwezinye izimo angaba banzi kakhulu. Ngoba cishe njalo, lezi zimpahla zezezimali zibizwa ngentengo yamadola aseMelika.
Izimali eziphambene ngamanani
Akungabazeki ukuthi le mikhiqizo yezezimali inconywa kakhulu ngezikhathi zokungazinzi kwemakethe. Kuze kube seqophelweni lokuba enye indawo ephephile yokwenza kahle kulezi zimo ezinzima kubatshalizimali abancane nabaphakathi. Kufanele ubacabangele uma ufuna ukuthula kwengqondo ngesikhathi esilinganiselwe noma esilinganiselwe. Ngoba kufanele wazi ukuthi le mikhiqizo ayihloselwe imigomo emide kakhulu. Kepha, kunalokho, izinkathi ezithile kanye nosuku lokuphelelwa isikhathi. Akumangalisi ukuthi izingozi zayo ziphakeme kunezinye izimali ezivamile.
Izimali ezihlanganyelwe eziphambene zizoba nenzuzo enkulu ngaphansi kwezimo ezimbi kakhulu ezimakethe zokulingana. Kufinyelela ezingeni lokuthi ungakwazi buthelela izinzuzo ezinkulu zemali ezinsukwini ezimbalwa kakhulu. Kepha qaphela kakhulu, ngoba bangajika nganoma yisiphi isikhathi. Ngokuncipha kwenani ngaphezu kokujwayelekile. Ukugwema lesi simo, uzodinga ukuhlehlisa izikhundla ngesikhathi esiqondile lapho bethula uhlobo oluthile lobuthakathaka. Kuzoba nezinye izikhathi zokuqalisa ukunyakaza kwakho ezimakethe.
Esinye sezizathu zokugxilisa iminikelo yakho yemali kule mikhiqizo ekhethekile ukuthi ibucayi kakhulu ekwehleni kwempahla yezezimali okukhulunywa ngayo. Ngecebo elicace bha njengokujula kokuwa, inzuzo yakho izokhula kusuka kulowo mzuzu oqondile. Hhayi ngendlela enezikhombo, kepha inzuzo izokwandiswa, ngenxa yezici ezikhethekile zalezi zimali zokutshala imali. Kepha ngokunyakaza okuphambene okwenzeka ngamandla afanayo futhi lokho kuzodingeka ukuthi ukugweme ngaphansi kwazo zonke izimo. Uma ungafuni ukushiya ama-euro amaningi endleleni. Ungakhohlwa kusukela manje kuqhubeke uma ufuna ukuphatha kahle ukonga kwakho kunoma yiluphi uhlobo lwesimo.
Bheka inzalo engaguquki futhi eqinisekisiwe
Kunoma ikuphi, ikhambi elingcono kakhulu lokuhambisa ukonga kulezi zimo ukuthola umkhiqizo okukunikeza imbuyiselo engaguquki minyaka yonke. Indlela enhle yokwanelisa lesi sidingo ukuya kumadiphozithi wesikhathi noma izimali zokutshala imali zalezi zici ezikhethekile. Ngaphakathi kweqembu lokuqala, ngeziphakamiso zabo ngeke ufake imali yakho engozini futhi uzokwazi nokuthola inzalo yaminyaka yonke esondele ku-1%. Awusoze wabalahla, ngoba noma yini eyenzekayo ezimakethe zezezimali, zizoqinisekiswa kusukela ekuqaleni nokuthi zizoya kwi-akhawunti yakho yokonga.
Mayelana nezimali zokutshala imali, zilawulwa isu elifana nelamadiphozi. Lapho nazo zethulwa khona nosuku lokuphelelwa yisikhathi lokho kungahlala ngokweqile, ngeminyaka eminingi kuze kutholakale ukonga. Kodwa-ke, azikuvumeli ukuthi uqoqe ukuvela okuhle kwezimpahla zezimali ezakha iphothifoliyo yakho yokutshala imali. Kunoma ikuphi, kuyimodeli yokutshala imali ehloselwe ikakhulukazi abatshalizimali abancane nabaphakathi abanokusika okuzivikela ngokwengeziwe. Ngochungechunge lweziphakamiso oluphethe ukufana okuningi phakathi kwazo zonke.
Njengoba kungenzeka ubonile, uhlu lwamanani esiphephelo lubanzi kunalokho obengakucabanga kusukela ekuqaleni. Futhi okubaluleke kakhulu, kusuka ezindleleni ezahlukahlukene zokutshala imali. Ngoba ungenza okusemthethweni kusuka kumamodeli wemali engaguquki kuya kokunye okunolaka kakhulu. Isibonelo, lezo zithathwe ezintweni zokusetshenziswa noma ngisho nakwinsimbi eyigugu. Ngengozi enkulu kakhulu kunangezindlela zendabuko noma ezijwayelekile.
Nge-denominator ejwayelekile futhi lokho ukuthi basebenza ezimeni ezingcono ezimeni ezingezinhle neze ezimakethe zezezimali futhi ikakhulukazi emakethe yamasheya. Ukuze ngale ndlela, uqhubeke nokwenza ukonga kube nenzuzo ngendlela engaguquguquki futhi ejwayelekile. Ngethuba lokuthi usesimweni sokuthola inzuzo ephezulu kuzo zonke izimo. Akumangalisi ukuthi kuyinto engakusiza esikhathini esingaphezu kwesisodwa.