Qaphela kakhulu kulo nyaka lapho kungavela khona inkinga entsha noma ukwehla kwamandla omnotho. Lokhu kubonakala ngemuva kokuvela kwejika lesivuno lapho kuboniswa khona ukuthi liyashiswa e-United States esikhathini esingeqile eminyakeni emibili. Imininingwane yokuqala ekhonjiswa kule parameter yezomnotho iyinto efanelekile neqiniso lokuthi umehluko phakathi kwesibopho seminyaka emi-5 nengu-3 sekutshaliwe. Isiginali ebaluleke kakhulu yokuthi kungaba yini ezimakethe kusukela manje kuqhubeke.
Olunye uphawu lokuthi ijika lesivuno laseMelika ulunika abatshalizimali abancane nabaphakathi nalo libaluleke kakhulu. Akukhona okunye ukuthi ukusabalala phakathi kwamabhondi eminyaka eyishumi kuya kwemibili bekulokhu kuphansi kakhulu kusukela ngo-10. Olunye ucezu lwedatha okumele abalamuli bezezimali ngokungangabazeki balunake lapho bethatha isinqumo sokuthi iyiphi indlela abazoyithatha ezimakethe zezimali kusukela kulezi zikhathi. Yebo kulungile hlehlisa izikhundla emakethe yamasheya noma ngokuphambene nokungena futhi ukuze wenze imali yakho yangasese noma yezezimali ibe nenzuzo.
Kepha empeleni yiliphi ijika lesilinganiso senzalo ukuthi ingxenye enkulu yemidiya ekhethekile ikhuluma kakhulu kangaka? Yebo, lesi sibalo esisha sokutshalwa kwezimali akuyona into engaphansi kwe umehluko phakathi kwenzuzo enikeza isibopho seminyaka eyi-10 (isibonakaliso sesikhathi eside) sezwe laseNyakatho Melika kanye nentshisekelo yephepha leminyaka emi-2 (isikhathi esifushane). Yebo, lolu phawu lobuthakathaka ezimakethe zezimali lulahlekelwe amaphuzu ayisisekelo ayi-11 kuleli sonto. Izinga lentengo elingazange libonwe kusukela ngo-2007 nango-2008. Isikhathi lapho inkinga yokugcina yezomnotho neyezitoko yathuthuka, eyathinta umhlaba wonke womhlaba futhi nakanjani izimakethe zezezimali.
Ukubaluleka kwejika lesivuno
Ukufaneleka kwaleli pharamitha lezomnotho kuphakeme kakhulu futhi kungenxa yokwethembeka okukhulu ekuhlolweni kwalo. Ngeleveli efana ncamashi naleyo emelwe yi- i-premium yobungozi kuyo yonke indawo ye-euro. Lapho, ngokwesibonelo, ibhondi yaseSpain esabalala ngaphezu kwamaphuzu ayisisekelo angama-300 ingamela ingozi evelele, yomnotho wezwe kanye nezimakethe zokulingana kule ndawo. Ukuvela kwayo, ngakho-ke, kufana kakhulu phakathi kwedatha yokubheka kwayo. Ngemiphumela eyaziwa yibo bonke abatshalizimali ngalesi sikhathi.
Lesi ngesinye sezizathu eziyinhloko zokuthi unake kakhulu ijika lesivuno komunye weminotho enamandla kakhulu emhlabeni. Ngoba inganikeza enye isignali mayelana nokuthi yini indlela umnotho ohamba ngayo futhi ngenxa yalokho, neqhaza elibanjwa yimakethe yezimali ezinyangeni ezizayo. Ngalokho, uzoba nesici esivumeleke kakhulu sokwenza izinqumo ezimakethe zezezimali. Hhayi kuphela emalini, kodwa futhi nasemalini engaguquki, njengoba kwenzekile eminyakeni yamuva.
Izingozi zokwehla kwamandla omnotho okuzayo
Kunoma ikuphi, ijika lesivuno ilindele isimo esisha esisho isikhathi se-bearish sezimakethe zezimali kule ndawo ebaluleke kakhulu emhlabeni. Kulesi simo esivamile, lokhu kuliqiniso lokuthi abatshalizimali abancane nabaphakathi akumele babanjwe bengazelele, ngoba bese kunabahlaziyi bezimali abaningi asebeke baxwayisa ngaleli thuba ezimakethe zezimali. Ngalo mqondo, ngeke kulibaleke ukuthi izimali ezise-United States zibe nomugqa omuhle kakhulu emashumini amaningi eminyaka, lapho abatshalizimali abancane kunabo bonke bengakhumbuli isikhathi sezinzuzo eziningi futhi eziningi kangaka emaphothifoliyo abo.
Izinkomba ngakolunye uhlangothi lwe-Atlantic ziye zazisa kusukela ngo-2012 ku akukho ngaphansi kuka-90%, inzuzo ephezulu kakhulu futhi eyenze abatshalizimali abanolaka kakhulu babe usozigidi. Ngoba kube khona ngisho amasheya asebenze kangcono kunezinkomba ezijwayelekile, ngokubonga nangaphezu kwe-100%. Into ebingakaze ibonwe isikhathi eside futhi eholele ekuthengeni okukhulu ezimakethe zezimali. Ngevolumu yokuqashwa nayo ebiphakeme kakhulu.
Okuthile akukashicilelwanga kuze kube yileso sikhathi
Leli qiniso elingajwayelekile ezimakethe zamasheya zaseMelika liholele kulezi zikhundla zokulungiswa okufanele zilungiswe. Futhi njengoba kungazange kube khona ukulungiswa kokubaluleka okukhethekile phakathi, akumangazi ukuthi ukuthambekela kwalesi simakethe sokulingana kungashintsha noma nini, ngamandla amakhulu kunalokho obekufiswa kwasekuqaleni. Nganoma yimuphi umzuzu, kunesici esisodwa esingaguquki okwamanje nokuthi lokho akusona isikhathi esifanele sokuthatha izikhundla kule makethe yezimali. Akumangalisi ukuthi izingozi ziyanda njengoba izinyanga ziqhubeka.
Linganisela ukunyuka e-US.
Okunye okubange ukuthi imakethe yamasheya yase-United States iqale isikhathi se-bearish ukuthi phakathi no-2019 kunokwenyuka okusha kwamazinga wenzalo. Yize lokhu kungenzeka kuncishisiwe izimakethe zezezimali, akunjalo ngokwamandla ayo. Futhi impela lokhu kuyinhloko ukwesaba abasebenzeli abahlukahlukene bezezimali nokuthi ngaphambi kwalokhu kungenzeka bahlehlise izikhundla ezimakethe zamasheya zase-US. Akumangazi ukuthi ngoLwesibili olwedlule izimali zaleli lizwe zehle ezingekho ngaphansi kuka-3% ngenxa yombono walesi simo esisha.
Kakade, abahlaziyi banikeza ukuqondana okukhulu kulokho okushiwo yijika lenzalo kanye nokumenyezelwa kwalo komnotho e-United States esikhathini esiyiminyaka emibili. Ngaphandle kokuthi imininingwane emikhulu yezomnotho wezwe isemihle ngokungagwegwesi. Lapho i- inani labangasebenzi ezinyangeni eziyishumi nambili ezedlule incishisiwe yaya ezingeni elingacatshangwa umnotho onamandla kakhulu emhlabeni. Yize kuphambene nalokho, ukukhula kwezwe kuqhubeka ngejubane elifiselekayo, njengoba kwamukelwa ngongoti bomnotho ababaluleke kakhulu ezweni.
Imiphumela yezwekazi elidala
Esinye isici esicaciswayo njengamanje umthelela omkhulu lokhu kwehla kwamandla omnotho okuyoba nawo emazweni asendaweni ye-euro. Ngeke kube njengoba kulindelwe ezinye izinhlangano futhi okungenani kakhulu maqondana nokuvela kwezimakethe zokulingana. Incazelo enengqondo kumele ifunwe ekuveleni kwezimakethe ezimbili zezezimali, ebezingalingani ngokungafani ngamandla okunyuka kwamanani wamasheya. Hhayi ngeze, i ukukhuphuka phezulu ezimakethe zamasheya ezwekazini elidala bebelinganisela kakhulu kunaseMelika.
Vele, abatshalizimali baseYurophu abenzanga ukonga kwabo kuzuze kangaka ngalolu hlobo lokutshala imali. Kufinyelela ezingeni lokuthi ngendlela ehola ngayo ikhubazekile kusukela ekupheleni kuka-2016. Ikakhulukazi, inkomba yemakethe yamasheya ekhethiwe yamasheya aseSpain, i-Ibex 35, elahlekelwe yizikhundla ngalesi sikhathi futhi kudingeke ukuthi ivakashele amazinga angabonakali eminyakeni yamuva, njengamaphuzu angama-8.600 ewavakashele eminyakeni yamuva nje. Okthoba kulo nyaka . Ngalesi sizathu, ukuwa okungenzeka emakethe yamasheya kuzoba ngcono kakhulu, ngombono wengxenye enkulu yabahlaziyi bezezimali.
Amathiphu okusebenza emakethe yamasheya
Kunoma ikuphi, ngeke sibe khona esinye isixazululo ngaphandle kokungenisa uchungechunge lwezinyathelo inhloso yalo enkulu ukuvikela imali yethu kulokho okungenzeka ezimakethe zezimali ezinyangeni ezizayo. Ngokuthatha okuvulekile kwezincomo ezilandelayo esizethula kule ndatshana engezansi.
- Kuzoba okuningi khetha ngokwengeziwe ukwenza iphothifoliyo yethu elandelayo yokutshala imali kusukela manje, zonke iziphakamiso zemakethe yamasheya ngeke zisasebenza njengoba zazinjalo kuze kube manje.
- Ngeke sibe khona esinye isixazululo ngaphandle kwe- ukwehlukanisa utshalomali emakethe yamasheya kanye nalezo zezinye izimpahla zezezimali njengefomula yokuthola izinzuzo ezintsha zemali kusukela ekusebenzeni okwenziwayo.
- Ukuhweba emakethe yamasheya kuzofanele kube Ngokushesha futhi uye emigomweni emifushane yokuba sesikhundleni ukuze ungabanjwa ezindaweni ezivulekile.
- Akungabazeki ukuthi le nkathi entsha izoletha okusha amathuba ebhizinisi Kuzofanele batholwe ukuze basebenzise lesi simo esingavela kusuka manje.
- La ukuqina kokuwa kungaba nodlame ikakhulukazi futhi ngenxa yalesi sizathu ukuqapha kufanele kube yisici esivamile ezenzweni zabatshalizimali abancane nabaphakathi.
- Kungaba yisikhathi sokuthi phuma ezimakethe zezezimali futhi ujabulele umholo onqwabelene kuze kube manje. Ngale kokunye ukucatshangelwa kwezobuchwepheshe.
- Kusukela manje kuzoba nzima kakhulu thola izimbuyiselo enikelwe ngamasheya eminyakeni yamuva ngakho-ke kuzodingeka ukuthi siphile nalesi simo esisha ezimakethe zezimali.