Ngonyaka ozayo u-2017 uziveza ngokungaqiniseki okukhulu kunanini ngaphambili. Ngochungechunge lwemicimbi engathatha ukulingana kwamazwe omhlaba kwehle, uma kungenjalo okungokomlando, okungenani eminyakeni yamuva. Tshala imali oyongile, noma kunjalo, kuzoba nzima kakhulu kunaseminyakeni edlule. Kuze kube seqophelweni lokuthi ukuphepha kuzoba ngenye yamanani ayigugu kakhulu okufanele uwanakekele ekusebenzeni kwakho emakethe yamasheya.
Ezinye zezimo ezingakhiqizwa zizoba zintsha ngokuphelele. Kepha abanye abenzi, kepha ngokuphambene nalokho, bebelokhu befihlekile ku-panorama yezezimali iminyaka ethile futhi bangavela noma yinini. Ngeke ube nokhetho ngaphandle kokuzinaka ngokukhethekile ngenhloso ongayithathi akukho ukumangala okungekuhle kusuka kulezi zikhathi.
Imakethe yamasheya izoncika kule micimbi ezinyangeni eziyishumi nambili ezizayo. Ngokuqina okuzobonakala ngokubaluleka okungaletha ezimakethe zezezimali. Ingxenye enhle yazo ingeyomnotho, kepha futhi yezepolitiki kanye neyenhlalo. Kunoma ikuphi kunento eyodwa eqinisekile futhi lokho ukuthi kulo nyaka ngeke ube nesithukuthezi ngaphansi kwanoma yiziphi izimo uma ukhetha ukutshala imali emakethe yamasheya.
Imicimbi: ukukhuphuka kwamanani
Izimakethe zezezimali zizobheka kakhulu izinqumo ezenziwe yi-European Central Bank (ECB) maqondana nezabo inqubomgomo yezimali. Ikakhulukazi konke okuphathelene nokushintshwa kwamazinga wenzalo. Ngeke kukhishwe noma kanjani ukuthi kulo nyaka kuzoba nokwenyuka kwamazinga wenzalo. Uma kwenzeka, ukuphendula kumasheya aseYurophu kungabonakala ngokucacile. Ngisho nokucwiliswa kwinqubo yokuwa kwesikhathi eside.
Amabhange angaba amanani athinteka kakhulu ngokusetshenziswa kwalesi silinganiso. Ngethuba lokuthi bangathola ezinye ukwehla okunamandla kakhulu kumanani abo. Vele, ngaphezu kweminye imikhakha yesitoko. Ngakho-ke kufanele ube nokuhlakanipha okukhulu lapho uvula izikhundla ezimakethe zamasheya, ngoba uma wenza njalo kulo mkhakha obalulekile, ungaba nezinkinga ezinkulu ngephothifoliyo yakho.
Kuzo zonke, ukukhuphuka kwamazinga, uma kukhiqizwa, kuzohamba kancane futhi kuzobonakala ngokuhamba phambili ngonyaka ka-2017. Kukhethwa emakota amabili okugcina. Ngeke kube nokukhetha ngaphandle ubhekele phansi lo mkhakha ngenhloso yokukuvikela emiphumeleni engaba khona ezingcaphunweni zakho. Ngasohlangothini oluhle, kungakusiza ukuthenga amasheya abo ngamanani wokuncintisana kunamanje.
Futhi ungazikhohlwa lezo ezingadlulela kolunye uhlangothi lolwandle. Lapho kubonakala kucace kune- I-Federal Reserve yase-United States yenza leli su lemali kaningi. Uma kunjalo, bekungeke kuthinte izimakethe zezezimali ngokungathi kwenzeka ezwenikazi elidala. Kepha okungafanele ukukhohlwa ukuthi inzalo izodlala indima ebaluleke kakhulu esikhathini esizayo sezimakethe zamasheya eminyakeni ezayo.
Ngo-2017: ukhetho olubalulekile eYurophu
Ukuqokwa kokhetho kuzoba yisimo esisha esethulwe ngonyaka we-2017. Zizobanjelwa eFrance naseGermany, phakathi kwamazwe afanele kakhulu emnothweni wamazwe omhlaba. Kuze kube manje, lawa makhomishini abalulekile, futhi angaba ngabanqobi bamaqembu afanayo noma ukunyakaza ngokusobala ngokumelene ne-euro nomsebenzi we-European Union. Kufanele futhi uhlole lokhu okungenzeka, okungaba ngokoqobo.
Uma lesi simo senzeka, impela izikhwama bezizowa ngamandla amakhulu. Kumazinga angakaze abonwe ngaphambili, mhlawumbe. Le nketho izovumela ifayela le- ukuguquguquka ifakwe ngokuqinile kuma-stock indices ezwekazi elidala. Ngisho nangamandla angajwayelekile, lapho abathengisi bezobusa ngokusobala ngaphezu kwabathengi. Ukudela emibonweni yakho yokwenza kahle impahla yakho yangasese ibe nenzuzo.
Esinye isimo esingavela kusuka manje ukuthi ukuthintana okuthandwayo kuyenzeka kwamanye amazwe. Ngenhloso yokukhuthaza ukusuka kwabo ezinhlanganweni zomphakathi. Futhi izotolikwa kabi kakhulu ngabatshalizimali. Ngenengozi engaphezulu kokusobala yokuwa ezimakethe zezimali. Ukugwema lesi simo esiyinkimbinkimbi, kungakuhle kakhulu ukuthi ukhethe ezinye izimpahla zezimali.
Isimo sobuphekula
Omunye umcimbi ongaholela ezimakethe zamasheya ekuthambekeni okuphawuleka kakhulu ukubuya kokuhlaselwa kwamaphekula enhlabathini yaseYurophu ngenxa yamaqembu amaSulumane. Kuzoba ukushaya kanzima kuzo zonke izikhwama. Nge ukwehla kwamanani emikhakheni njengamasu okuvakasha, ezokuthutha, amanani ajikelezayo futhi mhlawumbe nokubhanga. Kunoma ikuphi, le micimbi yinto ongeke wayibona nganoma iyiphi indlela. Futhi noma yiluphi uhlobo lwamasu okutshala imali ngeke lufanelwe.
Ukuphela kwendlela yokugwema lokhu ukungathathi izikhundla ezeqile kumasheya noma emikhakheni yezimali ezisengozini kakhulu kule micimbi engabazisayo. Kuyiqiniso ukuthi ukuncishiswa kwamanani abo kungahle kucaciswe, kepha kukhulu kakhulu ngokuya ngobudlova babo. Lapho kuzoba khona isu elihle kakhulu ngaphandle kwezimakethe zezimali. Okungenani lezo ezithathwa njengezendabuko. Ukuphepha nendawo ephephile kufanele kube indawo okuyiwa kuyo kakhulu eminikelweni yakho.
Kuyisimo esingatshalwa nganoma yisiphi isikhathi futhi ngaphandle kwesaziso sangaphambilini. Kufanele uzilungiselele shintsha kahle iphothifoliyo yakho yokutshala imali. Ngoba empeleni, kungalimaza izintshisekelo zakho. Futhi indlela engcono yokuphuma kulesi simo ukusihlela ngokusebenzisa ezinye izindlela zangempela lapho imali yakho iphephe kakhulu ngalezo zikhathi.
Ukukhula komnotho okuphansi
Esinye isici esizothinta kakhulu ukuvela kwemakethe yamasheya kulo nyaka ukuthi imiphumela ekukhuleni ikhona kubi kakhulu kunalokho obekulindelekile. Kuzoba okunye kokubangela ukuthi izikhwama ziwe kakhulu. Mhlawumbe ngokungenakuphikiswa ngokungafani neminye imicimbi esikudalula yona kule ndatshana. Umkhondo wokuthi yini engenzeka emnothweni omkhulu womhlaba uzovela emibikweni ezozinhlangano ezinkulu zezomnotho ezizoyilungisa. Phakathi kwabo, labo abavela eBhange Lomhlaba noma e-International Monetary Fund, phakathi kwezinto ezibaluleke kakhulu.
Noma yikuphi ukwehla okwehlayo ekukhuleni komnotho kuzohunyushwa njengokusobala uphawu lobuthakathaka lokho kuzoqhubekisela phambili izenzo emazingeni aphansi kwikhotheshini yabo. Lesi yisimo ongeke usinqume ngaphansi kwanoma yiziphi izimo. Ngisho nabahlaziyi abathile abahlonishwa kakhulu bakholelwa ukuthi lokhu kuzokwenzeka ngempela. Kuzothatha nomthelela ekutshalweni kwakho kwemali emakethe yamasheya. Mhlawumbe ngamandla amakhulu kunezinye izimo ezahlukahlukene.
Kufanele unake kakhulu ama-akhawunti ebhizinisi yezinkampani zaseSpain, ukubheka ukuvela kwazo. Ukuze ngale ndlela, ukwazi ukuphuma ezimakethe zezezimali kusenesikhathi. Futhi gwema ukuwa okungeziwe kunoma yiziphi iziphakamiso zemakethe yamasheya. Hhayi ngeze, lapha uzoba lula. Isizathu asikho okunye ngaphandle kokuthi izinkampani ezibalwe ohlwini zidingeka ukuthi ziveze imiphumela yazo njalo ngekota. Ngokuya ngabo, zingahluka ngandlela thile.
Ukubaluleka kwamandla emali
Njengenjwayelo, le pharamitha yezomnotho enye into enquma isimo sezimakethe zezimali. Yize ngezinga elincane, njengomphumela wokukhudlwana ukulawulwa kwentengo ngezinqubomgomo zezimali zezindawo ezinkulu zezomnotho. Kodwa-ke, ngeke ukwazi ukukhohlwa lolu lwazi uma ufuna ukutshala imali oyilondolozile emakethe yamasheya. Ngisho nakwezinye izimpahla zezezimali zohlobo oluhlukile.
Kuzofanele wazi ukuthi idatha yamanani emali ibaluleke kakhulu ukunquma i- ukukhuphuka noma ukwehla kwenzalo yenzalo. Futhi ngalokhu, noma ikuphi ukuphambuka ezinhlosweni ezibekwe ohulumeni kuyafaneleka kakhulu. Vele, ngeke kube yimbangela yokuwa okukhulu kwamanani. Kepha uma okungenani ukuze bakwenze ulahlekelwe ama-euro amaningi kunesidingo kunoma yiluphi uhlobo lomsebenzi olivulayo ezimakethe zezezimali.
Awukwazi ukubukela phansi ukwehla kwamandla emali, ngoba kungakunika umkhondo wokugcina lapho imali yakho kufanele iqondiswe khona ngonyaka ozayo. Lokho kuzoba yinani leqiniso okufanele ulinikeze kule datha yezomnotho lapho uhlela ukunyakaza kwakho ezimakethe zezimali. Ngalo mqondo, kungaba yinto yosizo olukhulu ukuvikela izintshisekelo zakho nganoma yisiphi isikhathi.
Lezi cishe yizo zonke izehlakalo ezingalehlisa izimakethe zamasheya emhlabeni jikelele kusukela ngoJanuwari. Kumele uzigcine engqondweni futhi uma ungahamba ngaphambi kwemicimbi, kungcono. Kuzoba isu elihle kakhulu onalo ukuvikela izintshisekelo zakho njengomtshali-zimali omncane oyikho. Ngokunyakaza okuqaphe kakhulu okwaziyo ukuphila nokuntengantenga okuzokhonjiswa izimakethe zezezimali.
Ngoba impela, ukwehla kwamanani ezenzo kulesi sikhathi kuzoba namandla kakhulu. Ukuthanda izintshisekelo zabacabangi, ngokuba nemida emikhulu yokwenza imisebenzi yabo yemakethe yamasheya. Nge- kwehluka okuqinile phakathi kwezintengo zayo eziphakeme nezincane kuseshini efanayo yokuhweba. Uma lokhu kuyintandokazi yakho, uzoba nenhlanhla ngoba unyaka ozayo uzokunika amathuba amaningi okusebenza ngale ndlela.
Okubonakala kungaphindwa yileso se- isigaba esiseceleni njengoba ebephila ngalezi zinyanga zokugcina. Lapho kube nzima kakhulu ukwenza ngokusemthethweni noma yikuphi ukuthengwa, kokubili ukuthenga nokuthengisa. Lokhu kuzoshintsha kube yimakethe enamandla kakhulu ezokunikeza iziphakamiso ezahlukahlukene zokutshala imali.