Ihlobo liphinda lifike futhi futhi lisezinyangeni zikaJuni noJulayi lapho ukwabiwa kwezabelo kufinyelela esiqongweni sonyaka esiphakeme kakhulu. Ngezinkampani ezingenakubalwa ezisohlwini ezizothunyelwa kulezi zinsuku ukunikeza lokhu ukubuyisela kubaninimasheya. Kungaba esinye sezizathu zokuthi amanye amaphrofayili wabatshalizimali abancane nabaphakathi banqume ukungena ezimakethe zezimali bese bethumba le thiphu ethokozisayo yempahla. Kufika ezingeni lokuthi bangathola i- inzalo efinyelela ku-7%. Ngesikhathi sokungaqiniseki ezingxenyeni zezimakethe zezimali.
Ukuqoqwa kwalezi zinzuzo kungasiza kulezi zinyanga ngaphambi kwezindleko okuzodingeka ubhekane nazo eholidini lakho elilandelayo. Ukuthi izokwakha imali engenayo ukuze ungadingi ukuhlupheka ngokweqile kubhalansi ye-akhawunti yakho yokonga. Yebo unayo izinketho eziningi ongakhetha kuzo emasontweni ambalwa alandelayo. Kusukela kumanani agcinwa kakhulu kuya kwezinye izinketho ezinolaka lapho ungathuthukisa khona isitatimende sakho semali engenayo kusukela manje kuqhubeke.
Kunoma yiziphi izimo, ukuqoqwa kwalezi zinzuzo kwenziwa njengethuluzi onalo ngalesi sikhathi ukukunikeza ukwehluleka kwemali ezinyangeni zasehlobo kufanele bafike. Kungumholo ohleliwe ongawukhetha ngokuya ngecebo elenziwa yinkampani ngayinye efakwe kuhlu futhi lokho kuzothuthukiswa ngenzuzo engenzeka entengo yamasheya ayo. Akumangalisi ukuthi lesi ngesinye isici okufanele usicabangele kusukela manje kuqhubeke. Hhayi imali ozoyithola kuphela yezinzuzo, kepha inzalo ongayenza ngokuvula izikhundla kwezinye zalezi zibambiso kusuka manje.
Izinkampani ezisabalalisa izinzuzo
Leholo kumnikazi wamasheya linobukhazikhazi obukhulu kulezi zinyanga zasehlobo. Izinkampani ezixhumene nogesi namandla okuyizona eziphethe ukuletha le nkokhelo kubaninimasheya. Isibonelo, i-Enagás, i-Gas Natural, i-Iberdrola, i-Endesa noma i-Red Eléctrica Española. Bazosebenzisa phakathi kukaJuni noJulayi le nkokhiso egameni labaninimasheya futhi iphansi nemali esukela ku-3% ize ifike cishe ku-8%. Kuzo zonke, izabelo zisatshalaliswa ngezinkokhelo ezimbili zonyaka, okukodwa kwaso kwenziwa ngokusemthethweni kule nkathi ngenkathi okusele kuzoqala ukusebenza ekupheleni kwalo nyaka.
Ngakolunye uhlangothi, ngumkhakha wokulingana kazwelonke ozinzile ongatholi izinguquko ezeqile kumathrendi. Kuphi kunjalo isimo esishubile asiyona enye yezinhlobo zazo ezivamile, njengoba kwenzeka nolunye uchungechunge lwezokuphepha zemakethe yezwe eqhubekayo. Akumangalisi ukuthi, kuyaqabukela kakhulu ukuthi umehluko phakathi kwamanani entengo yawo aphansi kanye namanani aphansi weqe amazinga we-2% noma i-3%. Ngenani elizinzile ngokwengeziwe engxenyeni enhle yezinyanga zonyaka. Ukuze ngale ndlela, ungabi nezimanga ezibaluleke ngokukhethekile ezingathinta isitatimende sakho semali engenayo ezinyangeni ezizayo.
Isu lokusebenzisa nala magugu
Ukuqoqa isabelo kusuka kulezi zinkampani ezibalwe, kuzofanele ube sesikhundleni sokuthenga isikhathi se- kusasele izinsuku ezine maqondana nosuku lokukhokhwa kwale mali. Ukuze uma usuyikhiphile ungasusa izikhundla kunani uma lokhu kuyisifiso sakho esiseduze. Kodwa-ke, kufanele ukhumbule ukuthi ukukhokhwa kwezabelo kwehliswa ngaso leso sikhathi sokucaphuna kwamanani abo. Yize imvamisa uyithola kabusha ngemuva kwezikhathi ezimbalwa zokuhweba, kuya ngomkhuba lapho izenzo zawo zilawulwa khona.
Kunabatshalizimali abaningi abancane nabaphakathi abakhetha leli su elikhetheke kakhulu ukwenza ukonga kwabo kube nenzuzo. Yize kungaboku iphrofayili elondolozayo noma evikelayo lezo ezingathuthuka ngokujwayelekile. Phakathi kwezinye izizathu ngoba bakha iphothifoliyo yemali engenayo engaguquki ngaphakathi kokuguquguqukayo. Ukwazi ngaso sonke isikhathi ukuthi inzuzo yakho izoba namandla kakhulu kunaleyo etholakala kwimikhiqizo ehlukahlukene yasebhange. Ngoba inzuzo yayo emaphakathi njengamanje ingaphezudlwana kwe-4%.
Thuthukisa ukubuyiselwa kwemali
Enye yezinhloso zokusebenzisa leli qhinga lemiholo kusekelwe ekutheni uzothola inzalo ethe xaxa kulondolozo lwakho kunokuba ubunalo kwimikhiqizo yasebhange ehloselwe ukonga. Isibonelo, imali yesikhathi, amanothi ezethembiso zebhange noma ama-akhawunti akhokha kakhulu. Ukuthi kuzo zonke izimo abakunikeli ngaphezu kwe-1%, ngenxa yenani eliphansi entengo yemali. Ukulandela amasu emali enziwa yi-European Central Bank (ECB) ukukhulisa umnotho endaweni ye-euro. Futhi yini okuholele intengo yemali njengamanje iku-0%. Lokho kusho ukuthi, ngaphandle kwenani futhi ngenxa yalokho kudluliselwe kule mikhiqizo yasebhange.
Esikhundleni salokho, ukukhokha izinzuzo kukunikeza ithuba lokuzungeza lawa mazinga aphansi kakhulu omholo. Ngaphandle kokuvela kwamanani abo ezimakethe zezezimali. Kunoma ikuphi, kuzoba inzalo ongeke uyinikwe nganoma yisiphi isikhathi nganoma yiluphi uhlobo lwediphozithi yasebhange. Kuze kube seqophelweni lokuthi abasebenzisi abaningi bathambekele kulolu hlelo ukwenza ngcono ibhalansi ye-akhawunti yabo yokonga nokubala ngezezimali ezinzile ku-accounting yakho yangasese noma yomndeni. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe futhi mhlawumbe ngisho nasendaweni yokubuka eyisisekelo.
Inzuzo yokusebenzisa leli su
Ukuya ezinhlokweni ezikhokhelwe yilezi zinkampani kukunika uchungechunge lwezinzuzo okudingeka wazi kusuka kulo mzuzu. Ikakhulu, uma kwenzeka uzizwa uthambekele kulolu hlobo lomsebenzi ezimakethe zezimali. Futhi ezingeni elijwayelekile kuzoba okulandelayo esikudalula ngezansi. Naka kancane ngoba ungacabanga ukuthi amathiphu athile awusizo angasiza ngesikhathi esithile empilweni yakho.
- Kukusiza ukuthi ube nemali ethe xaxa ku-akhawunti yakho yokubheka izindleko ezilandelayo okudingeka ubhekane nazo. Ngokwesibonelo, khokha izintela, isikole sezingane noma ngisho nokukhokha isikweletu ngaphambi kwabantu besithathu. Ngaphandle kwanoma yiluphi uhlobo lwemikhawulo ngokufunwa.
- Noma ngikukhumbula kwasekuqaleni, ungangabazi ukuthi ungayithola eyodwa inzuzo engaguquki nonyaka efinyelela ku-8%. Leli yicala elithile le-Endesa, engenye yezinkampani ezisabalalisa izinzuzo zayo ehlobo. Ngaphezu kwalokho, kungezinye zezindinganiso ze-Ibex 35 ezinesici esingcono sobuchwepheshe.
- Yifomethi ukuze ukwazi ukwakha ifayela le- iphothifoliyo engenayo engaguquki ngaphakathi kokuguquguqukayo. Kepha ngemininingwane emincane futhi lokho ukuthi uzothola iholo eliphakeme uma kuqhathaniswa nemikhiqizo yasebhange yendabuko. Kuyafaneleka ukuzama lelisu ukuze ekugcineni ibhalansi ye-akhawunti yakho yokonga ibe namandla amakhulu kakhulu ekupheleni konyaka ngamunye.
- Kuleli hlobo uneziphakamiso eziningi ongakhetha kuzo njengoba zikhona imikhakha eyahlukahlukene yemakethe yamasheya abasabalalisa izinzuzo kubaninimasheya abo. Kuzodingeka uzitshele kuphela ngalezo zimiso ezethula isici sobuchwepheshe esihle kakhulu ngaso sonke isikhathi.
Izithunzi zokuya kulezi zinkokhelo
Le nkokhelo enikezwa abaninimasheya abancane nabaphakathi ayinazo izingozi ezithile. Kulula kakhulu ukuthi ubazi ukuthi balindele izimo ezingafuneki ezimakethe zezezimali. Njengesibonelo, kulezi zimo ezilandelayo.
- Leli su lokusebenza kungenzeka lingakuvumeli ukuthi uzuze kulo amandla okukhula ngokugcwele banokuphepha okukhokha izinzuzo. Kuze kube seqophelweni lokuthi ukuze uthole ithiphu encane yempahla kufanele ushiye ukubuyekezwa kwamanani abo.
- Akunangqondo kakhulu ukusebenzisa izinzuzo lapho ukuphepha okuthintekile kuku- kwehle ngamandla akhethekile. Phakathi kwezinye izizathu ngoba ungashiya ama-euro amaningi emgwaqeni futhi noma ngabe uthole loholo kumnikazi wamasheya.
- Imali enikezwa yilezi zinkampani ezibalwe ohlwini akusona isipho noma umklomelo. Vele akunjalo, uma kungenjalo, ngokuphambene nalokho, bayayikhipha kunani amasheya acashunwe ngalo ngaleso sikhathi. Lokhu kuyinto abatshalizimali abaningi abancane nabaphakathi abayikhohlwayo.
Ekugcineni, uma ibhalansi yalokhu kuhlaziywa icace bha kwizintshisekelo zakho, kufanele wazi ukuthi ubhekene nesikhathi lapho izinkampani eziningi zisabalalisa khona izabelo phakathi kwabaninizabelo. Kuyinto ongayisebenzisa ngokunenzuzo njengamanje, noma kuyisu lokulungiselela iholide lakho elilandelayo. Lapho kukhuphuka khona iminikelo yakho yemali, inhlawulo oyitholayo kulezi zinyanga iyanda. Vele, akunakwenzeka ukuthi isivuno sibe ngaphansi kuka-3%. Inani elihlonishwayo impela kubhekwa ukuthi intengo yemali injani okwamanje. Uzoba nokuthile okuthuthukile ekufezeni izinhloso zakho.