Imibono eyisithupha yokwenza imali kulo Khisimusi

UKhisimusi

Ngonyaka owodwa kufike amaqembu kaKhisimusi abelindelwe isikhathi eside. Nawo amaqembu omndeni, imikhosi nabangane futhi ekugcineni uchithe izinsuku ezimbalwa zobumnandi nalabo obathandayo. Kepha okungaziwa ngabantu abaningi ukuthi lesi yisikhathi sonyaka lapho izimali zingaba nenzuzo enkulu. Kuze kube seqophelweni le- uthole amaphesenti afunwa kakhulu futhi lokho kungahlangabezana nokulindela kwakho. Ngoba elinye lama-axioms acacile emhlabeni wemali ukuthi noma yimuphi umzuzu ungasebenza ukwenza zonke izinhlobo zokusebenza kwezezimali.

Usesikhathini ukuhlangabezana nalesi sidingo esikhethekile esizokusiza ukuthi uthuthukise ibhalansi ye-akhawunti yakho yokuhlola kusuka manje kuqhubeke. Hhayi kuphela ngokuthengwa nokuthengiswa kwamasheya. Kepha futhi ngeminye imikhiqizo yezezimali, okuyiqiniso okuyiyo kufaka phakathi imali engaguquki. Ngalo mqondo, awukwazi ukukhohlwa ukuthi noma yisiphi isikhathi isikhathi esihle sokwenza ibhizinisi. Kepha okuningi ngoKhisimusi, njengoba uzokwazi ukubona kusukela manje kuqhubeke. Kuzofanele usebenzise eminye yale mibono.

Lesi yisikhathi sonyaka lapho umcebo omkhulu womhlaba usetshenziswa. Futhi kwezinye izimo, ngayiphi indlela. Yisikhathi sokulingisa lezi zenzo ukuze uqale unyaka omusha ngomfutho omusha emsebenzini we khulisa izimpahla zakho. Vele, iziphakamiso ngeke zilahleke kusuka manje. Kusuka ezindleleni ezahlukahlukene zokutshala imali. Ukusuka kumasu okulondolozela kakhulu kuye kokunye okunolaka ngesidingo sokuthatha izingozi ezisezingeni eliphakeme. Ngabe ufuna ukwazi ezinye zalezi ziphakamiso? Yebo, naka kancane ngoba angakusiza ukufeza izinhloso zakho.

UKhisimusi: izenzo ezinezaphulelo

Imakethe yamasheya iyindlovukazi yokutshalwa kwezimali futhi kungenzeka kanjani ukuthi ibe ncane uma kufanele uyigcine engqondweni ukwenza ukonga kwakho kube nenzuzo phakathi nezinsuku zamaholide kaKhisimusi. Isu elihle kakhulu ukukhetha amanani abalulekile izaphulelo kumanani abo. Lokhu kwenzelwa ukuthi usebenzise ngokunenzuzo amandla wokubuyekeza analawa mafa ezezimali. Ngisho ezinsukwini ezimbalwa kusukela kulezi zinsuku i ukulayisha ezimakethe zezimali zibonakala kakhulu. Akumangazi ukuthi ungatshala imali yakho ngeziqinisekiso ezinkulu kunezinye izikhathi zonyaka.

Noma kunjalo, akuyona ukuphela kwesu ongalisebenzisa ngalesi sikhathi sonyaka. Kepha kunalokho, ungakhetha futhi i- izabelo isatshalaliswa yizinkampani ezithengiswa esidlangalaleni. Ngoba kule nkathi yonyaka kuvame kakhulu ukuthi lokhu kusatshalaliswa kwemali kwenziwe. Ikakhulu, ngezinsuku zokuqala zonyaka omusha futhi eziholwa izinkampani zikagesi ngokujwayelekile ezixhumene nazo zonke izinhlobo zamandla. Ngaleli su elilula uzoba sesimweni sokuzuza imbuyiselo kulondolozo lwakho kuze kufike ku-6%. Ngokuvikeleka kokuthi le nkokhelo izokwenziwa isebenze ku-akhawunti yakho yokonga.

Ukubukeka komhlangano kaKhisimusi

amanani

Uma la maqembu omndeni ebonakala ngokuthile maqondana nomhlaba wemali, kungenxa yokuthi ethandwa kangaka cishe njalo iyavela rally kaKhisimusi. Kuwo wonke amanani, amasheya ayaziswa njengomphumela wokucindezela kwabaqhathanisi. Kuyinhlangano engenaso isikhathi esiqondile futhi engahlala amasonto ambalwa. Ngokuya ngamandla ayo, ungaqhuba isu elilodwa noma elinye lokutshala imali. Amathuba aphezulu kakhulu ukuze ukwazi ukuthuthukisa amamaki enzuzo eminikelweni yezomnotho oyenzayo ngalezi zinsuku noma amasonto.

Le rally isetshenziswa yingxenye enhle yabatshalizimali abancane nabaphakathi abasebenzisa la maholide omndeni ukukhulisa ukunyakaza kwabo ezimakethe zezimali. Akukhathalekile ukuthi ukhomba muphi umkhakha ngoba uthinta cishe zonke izivikelo ezakha imakethe yaseSpain eqhubekayo. Yize mhlawumbe abanolaka kakhulu yilabo abanempendulo enhle phakathi nalezi zinsuku zamasheya. Ngokolunye uhlangothi, awudingi ukuhlola noma isici sobuchwepheshe noma isisekelo yalezi zinkampani ezibhalwe emakethe yamasheya kazwelonke.

Qasha isikhwama esixubekile

Enye indlela onayo yokutshala imali ngalezi zinsuku ezikhethekile yimali ehlanganyelanayo. Kepha ngesikhathi eside kunaleso esimbozwe ngalawa maholide. Kepha phakathi kwayo yonke le mikhiqizo yezezimali okukhonjiswe kakhulu mhlawumbe yilezi imali exubile. Ngephothifoliyo lapho kukhona khona imali engenayo engaguquki yezezimali. Ukuze ngale ndlela, uhlukanise kangcono izimpahla ezitshaliwe ngalezo zikhathi. Ngale ndlela, uzovikelwa kakhudlwana ezintweni ezingaba khona ezimakethe zezimali. Ngoba kulezi zimo, ukulahlekelwa kuzokhawulelwa ngokuphawulekayo.

Lesi sigaba sezimali zokutshala imali sinethuba lokuthi ungabaqasha ngemali engabizi kakhulu kuzo zonke izinhlobo zomnotho wasekhaya. Kusuka kuma-euro angama-1.000 Ungenza kube semthethweni enye yamafomethi amaningi enziwe izinkampani ezinkulu zokuphatha emhlabeni. Kuya ngephrofayili oyivezayo njengomtshalizimali omncane naphakathi. Ngezindlela ezahlukahlukene lapho kufakwe khona cishe zonke izindawo noma izindawo zomhlaba. Ukusuka kuzoni ye-euro kuya eningizimu-mpumalanga ye-Asia futhi ngaphandle kokungafakwa.

Idiphozi yenyanga eyodwa kuphela

Uma ungumtshali-zimali ozivikela kakhulu, isisombululo esihle kunazo zonke senzuzo yakho senziwe ngamadiphozithi enyanga eyodwa. Ngale ndlela, uzoqinisekisa ngaphezu kwayo yonke iminikelo yakho, kepha uthole imbuyiselo encane. Ngezinga lenzalo efinyelela ku-0,5% oyothola lapho usuvuthiwe lo mkhiqizo wezezimali. Ngeminikelo evela kuma-euro angama-100 futhi ngaphandle kwanoma yiluphi uhlobo lwamakhomishini noma ezinye izindleko ekuphathweni nasekugcinweni kwayo. Kunganoma iyiphi indlela, yimodeli yokonga eguqulelwa la maholidi kaKhisimusi. Ukuze ukwazi ukukuphambukisela kweminye imikhiqizo yezezimali.

Kunoma ikuphi, lawa ma-margins angathuthukiswa uma uxhumanisa lo mkhiqizo nempahla yezezimali. Njengesibonelo, lezo ezixhunyaniswe namanani, izinsimbi eziyigugu noma izinto zokusetshenziswa. Ukuze inzalo enikezwe yilezi zimali zingakwazi ukufinyelela amazinga asondele ku-1%. Yize kulokhu kuzodingeka ngokuphelele ukuthi kuhlangatshezwane nemibandela ephansi. Phakathi kwalokho kuvela ukuthi amanani ezokuphepha adlula amazinga asungulwe ngaphambilini. Kunoma ikuphi, okunikezwayo akubanzi njengakwamadiphozithi wendabuko amaningi.

I-ETF esekelwa kwimpahla

Cafe

Uma ufuna ukuba yinkimbinkimbi ukwenza imali oyongelayo izuze ngalesi sikhathi sonyaka, akukho okungcono kunezimali ezihwebelana ngokushintshaniswa. Kepha kulokhu, kususelwa kokungajwayelekile impahla eluhlaza egcina ukuthambekela okucacile kuya phezulu. Okuthile ongeke ube nenkinga enkulu ekutholeni lesi sidingo. Ama-ETFs, okuyindlela ebizwa ngayo le mikhiqizo yezezimali, iyinhlanganisela phakathi kokuthenga nokuthengisa amasheya nezimali ezihlangene. Kepha ziwusizo kakhulu esikhathini esifushane njengoKhisimusi. Kodwa-ke, kufanele ube nolwazi olukhulu lwezezimali ukuvula izikhundla kule modeli yokutshala imali.

Ungayibhalisela kusuka kumanani aphansi kakhulu nangamakhomishini angafuni kakhulu kunangesimo semali yokutshala imali. Kunoma ikuphi, enye yezinzuzo zayo ukuthi ungakhetha izimali ezahlukahlukene ezidayiswa ngokushintshana ngokususelwa entweni ekhethiwe eluhlaza. Inkinga enkulu yokuqasha iqiniso lokuthi eminingi yale mikhiqizo izokudinga yenze ibe semthethweni ngenye imali ngaphandle kwe-euro. Kuzoba isenzo esizokubiza imali ethe xaxa ngenxa yamakhomishini alethwa yile mikhiqizo yezezimali. Ngokuvamile zenziwa ngamadola aseMelika, amakhilogremu aseBrithani noma amanye ama-franc aseSwitzerland.

Ukubheja okunolaka kakhulu: iziqinisekiso

izimvume

Indlela enobudlova yokutshala imali kuKhisimusi kungukuthi lo mkhiqizo oyinkimbinkimbi kakhulu kunalowo oshiwo kuze kube manje. Ngoba bodwa kuhloselwe iphrofayili ethile yokutshala imali. Lapho igqamisa khona isifiso sayo sokuthola inzuzo ephezulu ngemali ngesikhathi esifushane kakhulu. Lapho ubungozi bukhona kuyo yonke imisebenzi. Ngoba yize kuyiqiniso ukuthi ungazuza imali eningi kusuka manje, ungazishiyela nama-euro amaningi endleleni. Mhlawumbe ngaphezu kwalokho ongakuthwala njengamanje.

Okunye okuhlukile okwenziwa yilomkhiqizo wezezimali ukuthi ungasebenza ngawo kuzikhundla zombili zokuthenga nokuthengisa. Ngalokho ongakwenza yivumelanise nazo zonke izimo zemakethe yezezimali. Ngisho nokubi kakhulu kubo. Ngemiphumela enolaka kakhulu ngokuqhathaniswa namanye amamodeli wokutshala imali ashiwo ngenhla. Kunoma ikuphi, kuphela uma iphrofayili yakho inolaka olukhulu, kuzofanele usebenzise le modeli eyindida yokutshala imali. Ngoba izingozi zihlala zifihlekile kakhulu kuyo yonke imisebenzi ozoyithuthukisa kusukela manje kuqhubeke.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.