Ukuhweba kuqukethe isu elihlukile elincike ekuqageleni ezimakethe zokulingana kwezezimali ngenhloso yokwenza izimbuyiselo ngokuhamba kwesikhathi. Kepha ngokungafani nokutshalwa kwemali kwendabuko, el ukuhweba isikhathi esifushane; amasonto, izinsuku, amahora ngisho nemizuzu embalwa kuseshini efanayo yokuhweba. Ngephrofayili yomtshalizimali echazwe kahle kakhulu futhi yilabo bantu abazama ukwenza imisebenzi yabo ibe nenzuzo ngesikhathi esifushane kakhulu.
Ukuhweba, ngamafuphi, kuvumela abasebenzisi ukuthi bacacise izinhloso zabo ezimakethe zezezimali. Lokho kusho ukuthi, into eqondakalayo kuwo wonke umuntu njengokuthenga okuphansi futhi uthengise okuphezulu, ukuze ngale ndlela bakwazi thola izinzuzo ezinkulu ezifunwa kakhulu. Ngalo mqondo, akunakulibaleka ukuthi ukuhweba emakethe yamasheya, ngaphandle kokungabaza, kuyisu elidinga ukuthi ngokungangabazeki lifunde kahle ukwenza imisebenzi. Akukhonjisiwe kubatshalizimali abancane nabaphakathi abangenawo ulwazi ngalolu hlobo lokutshala imali.
Ngenkathi ngakolunye uhlangothi, kufanele futhi sigcizelele ukuthi kumele sibe nezinsizakalo ze- umthengisi wezezimali noma umlamuli lokho kusivumela ukuthi singene ukuthenga nokuthengisa ama-oda emakethe. Uma kunokwenzeka ngamakhomishini nezindleko ezinhle kakhulu ekuphathweni nasekugcinweni kwawo. Ikakhulukazi uma sizokwenza lezi zinhlobo zokusebenza emakethe yamasheya ngokujwayelekile njalo ngonyaka. Ngaphezu kwalokho, ukuba nemali eyanele yokubhekana nalolu hlobo lokusebenza ngoba kufanele sisekelwe yisikhwama sokonga okufanele sibe naso ku-akhawunti yethu yokonga.
Ukuhweba: ukuyisebenzisa nini?
Kunoma yiziphi izimo, lo msebenzi okhawulelwe ngokwengeziwe ngokwesikhala ngesikhathi uyabonakala ngoba singakwazi ukuwenza ukufuna izikhundla zokuhweba ezibhekiswe kakhulu esikhathini esifushane. Ngaphakathi kwezenzo ze Imakethe Eqhubekayo futhi lapho sizokwazi khona ukwenza imali esetshenzisiwe inenzuzo ngokuvuthwa okufushane kunamanye amasu okutshala imali. Ngokuyisisekelo ngamasheya anezimo ezinhle kakhulu zokuvula izikhundla ezide noma abathengi. Ngale ndlela, sizokunikeza izinkampani ezithile ezisohlwini lokukhetha lezi zimfihlo.
Ngeke sikhohlwe ukuthi imisebenzi yokuhweba akulula kakhulu ukuyisebenzisa futhi idinga imishini yobuchwepheshe ebalulekile ukwenza ukunyakaza okuphezulu. Lokhu kungukusebenza okungasiza kakhulu uma kunomehluko omkhulu phakathi kwezintengo eziphakeme nezincane zamasheya akhethwe abatshalizimali abancane nabaphakathi. Lokho wukuthi, lapho kunokuhlukahluka okukhulu kuno-5% noma u-7% futhi lokho kuvumela ukuguquguquka okukhulu kokunyakaza okwenziwayo.
Amanani afanelekile amaningi
Omunye umbuzo okufanele uzibuze wona kusukela manje izindinganiso okufanele wenze kuzo imisebenzi yokuhweba. Ngoba empeleni, akubona bonke abazwelayo ukusebenza ngayo futhi kuzoya ngezimpawu zomunye nomunye wabo. Ngokwalo mongo ojwayelekile, kuzobaluleke kakhulu ukuwathola ukuze ukwazi ukusebenzisa noma yiliphi isu lokutshala imali. Okokuqala, kufanele banikeze ukukhishwa okuqinile ekuguqukeni kwamanani abo ukuze ube nokuhamba okwanele ukwenza imali etshalwe imali inenzuzo. Ngalo mqondo, amanani wesibili akuhle kakhulu ukwenza imisebenzi enjalo enobudlova. Njengokuguquguquka okuphezulu nokuthi ngokwesibonelo ama-chips aluhlaza okwesibhakabhaka ezimalini zikazwelonke.
Esinye isici okufanele usinake kusuka manje kuqhubeke yiso esixhunyaniswe neqiniso lokuthi akufanele ufune amanani ngokuzinza okukhulu kumanani abo. Kuphi ngeke ube namamaki ukuze ukwazi ukonga ngokunenzuzo futhi bangakudalela nenkinga engaphezu kweyodwa kusukela manje kuqhubeke. Ngenkathi kuphambene, amanani angaqinile kangako ngokuya ngalezi zici ngokungangabazeki akuvumela ukuthi wenze le misebenzi ngeziqinisekiso ezikhulu zempumelelo. Kufika ezingeni lokuthi ungathola izintshisekelo ezithokozisayo zesitatimende sakho seholo.
Kuxhunyaniswe nokuhlaziywa kobuchwepheshe
Noma ngabe ufuna ukwazi ukuthi ukuhweba kuyini, akukho okungcono kunokugcizelela ukuthi kuyisifundo sezimakethe ngokuhlaziywa kwezobuchwepheshe kanye nokuhlaziywa okuyisisekelo kokutshala imali kuzinsimbi ezehlukene zezezimali nge umgomo wokwenza inzuzo. Futhi kusebenza njengecebo lokutshala imali ukwenza izimpahla zomuntu siqu noma zomndeni zinenzuzo, kusuka ngendlela ehlukile futhi nangaphezulu kwayo yonke indlela enolaka kakhulu futhi elungele kuphela iphrofayili yomtshalizimali echazwe kahle kakhulu. Lapho ekugcineni kosuku kumayelana nokuthola izinzuzo ezinkulu esikhaleni esifushane kakhulu sesikhathi.
Ngakolunye uhlangothi, kufanele kuqashelwe ukuthi lezi zinhlobo zokusebenza azixhumene kuphela nemakethe yamasheya, kodwa futhi nezinye izimpahla zezezimali. Njengesibonelo, esimweni salokho okubizwa ngokuhweba ngemali, okuyimakethe yomhlaba esezingeni eliphansi yazo zonke izimali ezithengiswa emhlabeni jikelele. Le makethe iluketshezi olukhulu kunawo wonke emhlabeni, inomthamo wansuku zonke wokusebenza odlula ama-5 trillion dollars. Lokho ukusho ukuthi, kuphakeme kunokusebenza okukhuthazwa kusuka ezimakethe zamasheya. Futhi lapho izingozi ziphakeme kakhulu. Njengenye inketho onayo esandleni sakho yokwenza imali yakho izuze kulezi zikhathi eziqondile.
Inketho entsha ekutshalweni kwemali
Akunakulibaleka ukuthi inkinga yezomnotho icindezele abanye ukuba bazame ukwenza imali yabo yenzuzo ngendlela enolaka kakhulu. Kepha ngaphandle kokungabaza ngezingozi ezinkulu ukwedlula imisebenzi yendabuko yokuthenga nokuthengisa amasheya emakethe yamasheya. Ngoba noma yikuphi ukubala okungalungile kungakubiza kakhulu ngesimo sokukhubazeka okukhulu, noma ngabe iyiphi impahla yezezimali ekhethwe ngabatshalizimali abancane nabaphakathi. Ngezinga eliphakeme lokusizakala kunasemisebenzini ejwayelekile ezimakethe zezimali.
Ngaphakathi kwalomongo ojwayelekile, isincomo sokuqala sisuselwa ekubeni uqaphele kakhulu kunakuqala futhi ulinganise noma uhlaziye impahla yezezimali lapho uzotshala khona imali yakho. Kanye nokungabiwa kwemali eningi yokwenza lolu hlobo lomsebenzi emkhakheni wezohwebo. Kuphi isimo esishubile singeqisa ezingxenyeni ezinhle zezikhathi. Ngakho-ke, akuwona umkhiqizo ohloselwe wonke amaphrofayili wabatshalizimali. Uma kungenjalo, kunalokho, kwabanolaka kunabo bonke futhi abafuna inzuzo esheshayo ngokucekela okunye ukucatshangelwa okulondolozwa kakhulu kunoma yiluphi uhlobo lwecebo lokutshala imali. Lapho kukhona isisho esithandwa kakhulu phakathi kwabathengisi esisho okulandelayo: "ngaphandle kwemali akukho mali futhi ngaphandle kokutshalwa kwemali akukho ukuhweba." Kuwukubheka kusukela manje kuye phambili uma ekugcineni ulingwa yilolu hlobo lwemisebenzi ekhethekile efana nale.
Ukuhweba kwesikhathi esizayo
Futhi imisebenzi yokuhweba ingenziwa ngekusasa nangengozi ephezulu ekusebenzeni. Ngalo mqondo, i- I-MEFF ihlose ukufaka izinkontileka kuningi lokuphepha okubalwe ku-National Continuous Market. Okwamanje, cishe zonke lezo ezifakiwe enkombeni ekhethiwe yamasheya aseSpain zihlanganisiwe. Yize futhi ungathola inkontileka yesikhathi esizayo nezinketho ekumeleleni okubanzi kwezinkampani ezibalwe kuma-indices amakhulu aseYurophu.
Ngale ndlela umtshali-zimali unenzuzo yokuthi angabheja kuhlu olude lwamagugu afakiwe eminyakeni embalwa edlule. Zimayelana izinkampani eziqinile, enesisindo esithile esiqinile kuzinkomba zazo futhi ezinomthamo ophezulu wokuqashwa. Ngokuphambene nalokho, izinkampani ezinkulu zokwenza imali azikho kulolu hlu njengoba zingahlangabezani nezidingo ezidingekayo zokufakwa kuhlu kule makethe yezezimali. Kunoma ikuphi, kungenye indlela onayo okwamanje yokuthuthukisa lolu hlobo lwemisebenzi enobudlova ngenxa yezingozi ezihilelayo.
Amahora wokuvula ezimakethe
Amahora ezimakethe kanye nesikhathi esinqunyiwe sokuthola ama-oda weseshini efanayo kukhonjelwe ekubeni khona kweseshini ngalolo suku emakethe okukhulunywa ngayo. Ngaphandle kwalokho, ama-oda azocutshungulwa esimisweni esilandelayo. Kepha inzuzo enkulu yokusebenza nezimakethe zaseYurophu - ngokungafani nezaseMelika nezase-Asia - ukuthi banamahora wokuvula nokuvala afanayo nalawo aseSpain. AmaPutukezi kuphela ane-lag yehora elilodwa maqondana neyethu. Ngaphezu kwalokho, bobabili banokuxhumana okuzenzakalelayo futhi banekhalenda lokuhweba elicishe lifane nalolo olusetshenziswa ekuhwebelaneni ngamasheya aseSpain, okungasho lutho ukuthi kunoshintsho emikhubeni yokwenza ukuthengwa nokuthengiswa kwamasheya.
Kufanele futhi ukhumbule ukuthi ukufika kokuwohloka komnotho kuzokwenza ukuhweba emakethe yamasheya kube nzima kakhulu kusukela manje. Lapho kuphela labo abazibeka engcupheni abazophumelela emkhakheni wemali.