Enye indlela yokutshala imali kumasheya yenziwa ngokuphepha okuvikela kakhulu noma okulondolozayo. Ukuze ngale ndlela, abatshalizimali basesimweni esingcono se- bavikele izikhundla zabo ezimakethe zezimali. Noma ngabe ukuphi. Hhayi kuphela emakethe yamasheya, kodwa ngokusebenzisa eminye imikhiqizo yezezimali enobudlova (izimvume, ukuthengiswa kwesikweletu noma izinketho zesikhathi esizayo). Ukuze bakwazi ukusebenza kuzo zonke izimo zokulingana, kufaka phakathi lezo ezingezinhle kakhulu ngezintshisekelo zabo.
Kuyisu lokuthi, noma liphephe kangakanani, aliqinisekisi ukubuya okungaguquki. Ngoba empeleni, ekugcineni kosuku kuyimakethe yamasheya enazo zonke izici ezifaka isandla ekuvuleni ukusebenza ezimakethe zezezimali. Noma kunjalo, ukunyakaza okubhekiswe kuphrofayili yomtshalizimali echazwe kahle kakhulu. Umsebenzisi wobudala obuthile, ngaphandle kokubeka engcupheni futhi odinga ukuphepha okukhulu ekusebenzeni kwabo njengezimpawu eziyinhloko zobunikazi. Ngokuya ngalezi zakhiwo ezilula, bazokwazi ukukhetha lolu hlobo olukhethekile lokutshalwa kwezimali.
Kukho konke ukuhwebelana kwamasheya, kufaka phakathi okwaseSpain, kuhlala kunezindinganiso zalezi zici. Zethulwa ngokuguquguquka okuncane uma kuqhathaniswa nezinye iziphakamiso zokulingana. Zingezemikhakha eyehlukene kakhulu njenge ukwanelisa isidingo sakho kusuka manje. Ngukutshalwa kwezimali, okungcono noma okubi kakhulu kunabanye, kepha kumane nje kwehlukile futhi okuguqulelwa ochungechungeni lwabatshalizimali bendawo ngokwenhloso yalo.
Amanani wokuzivikela kanjani?
Vele ungawabona la manani kalula. Elinye lamasu ukubheka ukuvela kwezinkampani ezisohlwini. Ngoba empeleni, abajwayele ukukhulisa umehluko omkhulu phakathi kwezintengo zabo eziphakeme nezincane. Kepha kunalokho bakhombisa umehluko omncane kuzingcaphuno zabo zansuku zonke. Kuze kube seqophelweni lokuthi zingamanani okunzima kakhulu ukwenza ngawo imisebenzi ye-intraday. Lokho wukuthi, ngosuku olufanayo futhi badinga ukushesha okukhulu ekuhloleni kwabo kwansuku zonke. Kuyinto engaqondakali kubo bonke futhi cishe ngaphandle kokukhetha.
Enye yezimpawu zabo eziyinhloko ihlala eqinisweni lokuthi zivame ukuxhaswa yivolumu enkulu kakhulu yezingxoxo. Kuphi abathengi nabathengisi abaningi bashintsha izihloko. Yize ngokuvamile kuyizinkampani ezinkulu neziphakathi nendawo, izinkampani ezinesisindo esithile esiphansi nazo zikhona kuzinkomba zokulingana ezifanele kakhulu. Akumangalisi ukuthi amasheya okuzivikela angenye yezinto ezaziswa kakhulu ngabatshalizimali abancane nabaphakathi. Ngesigaba sabasebenzisi abathembekile kulezi ziphakamiso sokusebenzisana nomhlaba wemali.
Kepha okokuqala kuzodingeka ukucacisa ukuthi yimiphi imikhakha yemakethe yamasheya engafaka kakhulu lesi sigaba samanani akhetheke kangaka. Yebo, ezinye zizokwaziwa yibo bonke, kepha kuzoba nezinye izindaba ezingakumangaza kusukela kulo mzuzu oqondile. Ukufika ezingeni lokuthi yiziphakamiso okuyizinto ezihlaziywa yizinkampani zabaphathi eziphethe ukulungiselela izimali zokutshala imali. Ngakho-ke ngale ndlela, usesimweni esihle kakhulu sokuchaza isu lakho lokwenza imali oyongile ikwazi ukwenza inzuzo ngeziqinisekiso ezinkulu zempumelelo.
Wonke ama-electrics ngokujwayelekile
Uma kunomkhakha ovikelayo ngokugqwesa, awukho omunye ngaphandle kwalowo omelwe yizinkampani zikagesi. Bahlangabezana nazo zonke izidingo zokuba kule kilabhu ekhethiwe yamasheya kazwelonke. Ngaphezu kwalokho, bayakuvumela ukuthi uqoqe izinkokhelo zemihlomulo abanikela ngazo kubaninimasheya. Ngenzuzo yonyaka futhi engaguquki ephakathi kuka-3% no-8%. Ukuze ngale ndlela, ube nemali engenayo engaguquki ngaphakathi kokuguquguqukayo. Njengomvuzo wabatshalizimali abalondoloze kakhulu ezimakethe zezezimali. Kunoma ikuphi, akufanele ilahleke kuphothifoliyo yakho yokutshala imali.
Lesi sigaba sezokuphepha sibuye sibonakale ngoba ukusebenza kwaso kungcono kakhulu kuziphakamiso ezisele zemakethe yamasheya izimo ezingezinhle kakhulu ezimakethe zezezimali. Yize ngokuphambene nalokho, banomphumela ophambene nokunyakaza okunamandla. Njengoba ukuvuselelwa kwayo akunamandla njengakwamanye amanani wemali engenayo eguquguqukayo. Kunoma ikuphi, ngabo ngeke ube ngusozigidi, kepha ngenxa yesizathu esifanayo ngeke wonakaliswe uma ukhetha ezinye zazo. Zikunikeza ukuzinza okukhulu ezikhundleni ozivula kunoma yisiphi isimo sezomnotho.
Umkhakha wokudla: ukuzivikela
Uma ufuna ukukhetha amasheya azivikelayo, ngeke ukwazi ukukhohlwa noma ngabe yiziphi izinkampani ezixhumene nokudla. Ngezinga abakwazi ngalo ukuvuselela ngisho nangezikhathi ezikhathaza kakhulu ezimakethe zezezimali. Ngokuziphatha okungcono kunabanye. Kuzoba esinye seziqinisekiso zokuthi uzohlinzeka ngalezi zimiso. Ngoba futhi nokuguquguquka abakulethayo kucishe kungabi bikho. Ngamafuphi, kuzoba inzuzo ebaluleke kakhulu ukuvikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi.
Kodwa-ke, enye yezingqinamba zokuthola lezi ziphakamiso zemakethe yamasheya yiyona umnikelo omncane ohlinzekwa yimakethe yamasheya yaseSpain. Ngoba empeleni, ngeke ube nesikhala esiningi ongakhetha kuso. Esikhundleni salokho, kuzodingeka uhlaziye ngokuningiliziwe izinkomba zale ndawo. Uzoba nezinkinga eziningi kunokulindelekile futhi kuzo zonke izimo ngaphansi kokulinganiselwa emigqeni yebhizinisi eyenziwe izinkampani ezifakwe kulo mkhakha ozivikela kakhulu.
I-Ebro noma iCampofrio azoba ngamanye amanani ambalwa anelisa lezi zidingo kutshalo-mali olwethulayo. Ngeke ube nokhetho ngaphandle kokuya kwezinye izindawo zomhlaba lapho okunikezwa khona kukhulu kakhulu. Njengesibonelo, kumasheya aseFrance noma aseNyakatho Melika. Yize kungenziwa ngokuthatha amakhomishini athe xaxa kunalawo anikwe amandla ezimakethe zikazwelonke. Kuzoba ngesinye sezidingo okuzodingeka uhlangabezane nazo ukufeza lesi sifiso onaso sokutshala imali kwizibambiso ezivikela kakhulu.
Vele, elinye lamasu ongawasebenzisa kusuka manje kuqhubeke ukufaka noma iyiphi yalezi zimiso kwiphothifoliyo yakho. Ngaphansi kwamaphesenti afanele kakhulu ngokuya ngephrofayili oyivezayo njengomtshalizimali othengisa. Kuzo zonke izimo, zizokunikeza ukuzinza okukhulu futhi zizokuvimbela ekubeni namakhanda ambalwa lapho izinto zingakhuli njengoba ubulindele kwasekuqaleni. Kuyintela encane oyokhokha ngokusebenzisa lelisu elikhetheke kakhulu.
Abashuwalense nabo abaswele
Kungenzeka kanjani ukuthi kube ngenye indlela, izinkampani zomshuwalense zingenye zeziphakamiso okungafanele ukuthi zintule kulokhu kuqokwa okukhethekile. Ngoba banikela ngomugqa ozinzile futhi ohlanganisiwe webhizinisi ngama-akhawunti abo ebhizinisi. Yize kunenkinga enkulu yokunikezwa okumbalwa okuphakanyiswayo kulo mkhakha. Ngamanani amancane kakhulu ahluleka ukwanelisa isidingo sabatshalizimali. Ukufika ezingeni lokuthi ngaphakathi kwemakethe yamasheya yaseSpain bamelwe kuphela yi IMapfre neCatalana de Seguros. Njengoba ukwazi ukubona, zimbalwa iziphakamiso zokwenza ukonga kube yinzuzo.
Uma lokhu kuyisifiso sakho, akukho okunye ongakwenza ngaphandle kokuya emakethe yamasheya ezwekazi elidala. Lapho izinkampani ezibaluleke kakhulu kulo mkhakha zimelwe khona. Ikakhulu, i izimali zaseJalimane okuyiyo efaka inani elikhulu kakhulu lezinkampani zalezi zici. Kuzo zonke izinhlobo nangazo zonke izinhlobo zemigqa yebhizinisi. Ngempela, kuyizibambiso zokuzivikela kepha ngochungechunge lweziphakamiso ezinganele ukuthi izintshisekelo zakho zivule izikhundla ezimakethe zezimali.
Izikhungo ezinkulu zokusabalalisa
Lezi zinkampani ziyingxenye yotshalomali olugcinwa kakhulu ngabasindisi. Yize kunamaphutha afanayo njengamacala adlule. Ikakhulu, maqondana nemakethe yamasheya yaseSpain. Lapho i-DIA ingomunye wabamele abambalwa okufanele wenze ngokusemthethweni imisebenzi yokuthenga. Kuzofanele futhi uye kwezinye izimakethe zezezimali ukuhlangabezana nezinhloso zakho. Ngesizathu esilula sokuchaza. Ngoba izindawo eziningi zokusabalalisa ezinkulu azikho ohlwini lwezimakethe zamasheya. Izibonelo ziyamangaza kakhulu: I-El Corte Inglés, iMercadona noma i-Eroski ezinye zazo.
Kunoma ikuphi, kuhlale kuwuphawu lokuzinza ukugcina ukonga. Futhi nokuthi bahambisa ngisho izabelo phakathi kwabaninimasheya abo ukukhulisa intshisekelo yabo emehlweni wabasebenzisi be-stock market. Awusiwo umkhakha wamasu njengalowo owedlule futhi uneziphakamiso ezilinganiselwe kakhulu kunakuzo zonke izimo. Ukufika ezingeni lokuthi ithathelwe indawo ngaphezulu kunaleyo esivele ishiwo. Ngevolumu ephakeme yokuqashwa Phakathi neminyaka yokugcina. Emzamweni wokuheha inani elikhulu labatshalizimali abancane nabaphakathi.
Ngamafuphi, uneziphakamiso eziningi emikhakheni evikela kakhulu ezimakethe zezezimali. Manje kuzoba nguwe kuphela okufanele ukhethe ukuthi iziphi iziphakamiso ezifanele kunazo zonke zokwenza izimpahla zakho zizuze kusukela manje. Akunandaba ukuthi iziphakamiso ezilandelanayo nazo zikhona etholakala kwezinye izimpahla zezimali, kufaka phakathi lezo ezivela emalini engenayo engaguquki. Isibonelo, isikweletu somphakathi, igolide, amabhondi kwesinye isikhathi ngisho no-oyela kungasetshenziswa. Kwezinye izimo, ngamandla wokubuyekeza abaluleke kakhulu.
Ukutshala imali okuvikelayo, ngakolunye uhlangothi, kuyingxenye yezwe lemali okufanele uyihlaziye. Ngokuyinhloko ngoba kuzokunikeza ukuthula kwengqondo okwengeziwe lapho ubhekene nokuphambuka okungenzeka ezimakethe zezezimali. Akumangalisi ukuthi kuzoba enye indlela yokwenza ukonga kwakho kube nenzuzo.