I-India: ithuba lokulingana

india ENdiya? Ngaphandle kokuba izwe elihle ukuvakashelwa nganoma yisiphi isikhathi sonyaka, kungenye yezindawo ezinye izindlela ezinikezwa ngamasheya ukutshala imali. Kuze kube yiminyaka embalwa edlule bekuvame kakhulu noma kuncane ukugxila emakethe yamasheya ezimakethe zezimali zikazwelonke. Izinhlanhla ezinkulu kuphela ezikhethe ukushiya imingcele yethu ukuzama ukuthuthukisa ukuthela ukunyakaza kwabo kulezi zimakethe zezimali. Kodwa ukuhwebelana kwembulunga yonke komnotho jikelele nakho sekuthinte abatshalizimali abancane nabaphakathi.

Manje sekulula ukuhweba ngezimakethe zamazwe ngamazwe zokulingana. Kungenziwa kusuka ebhentshini lakho elijwayelekile, noma ngezikwele ezingaphandle kakhulu ongazithola okwamanje. Abanye babo ku Izindawo ezingavamile njengamanye amazwe ase-Afrika noma ase-Asia. Kepha kukhona okuthola umfutho eminyakeni yamuva. Akuyona enye ngaphandle kwemakethe yamasheya yaseNdiya, okungenye yezimanga ezinkulu ezilethwe yimali yamazwe ngamazwe.

Akufani nakudala lapho kwakunzima kakhulu ukuvula izikhundla kuleli zwe elibalulekile ezwenikazi lase-Asia. Manje usungakwazi ukwenza kube semthethweni lokhu kusebenza nganoma yisiphi isikhathi nasesimweni. Ngokubi kuphela ukuthi imisebenzi yayo yokuthenga nokuthengisa iveze ezinye amakhomishini athe xaxa kunasemakethe yamasheya yaseSpain noma ezimakethe zendawo ye-euro. Lapho amazinga alokhu kusebenza angaphindwa kabili. Yinto okufanele uthembele kuyo uma ufuna ukutshala imali oyongele kule ndawo kusuka manje.

I-India: isivuno esiphezulu

ukusebenza Imakethe yamasheya yaseNdiya ibumba ukuthi ibe ngenye yezinto ezihamba phambili emhlabeni. Lapho izikhundla zabathengi zibeka ngokucacile kulabo abathengisi. Inkomba yayo enkulu ikhombisa ifayili le- ukuvuselelwa okungaphezulu kwama-50% Phakathi neminyaka yokugcina. Ngokuchezukiswa kokugeleza kwemali okubalulekile okuvela emazweni asentshonalanga alangazelele ukuvula izikhundla kokunye ukuphepha okubalulwe kule makethe yezimali ebalulekile.

I-Las izindlela zokukhululeka okukhuthazwa yisikhulu esiphezulu saseNdiya ngesinye sezizathu ezichaza ukukhuphuka kwamanani wamasheya aso amakhulu. Kwezinye izimo, ngaphansi kwamaphesenti akunakucatshangwa nakancane ezimakethe zamasheya asentshonalanga. Leli qiniso lidala ukuthi abatshalizimali abaningi abancane nabaphakathi babheke kule makethe yamasheya. Akusona isenzo esingajwayelekile, kepha kunalokho, kuyisu eliwusizo kakhulu lokwenza imisebenzi enenzuzo emakethe yamasheya.

Izingozi zale misebenzi

Ngazo zonke izindlela, akuyona indawo eqondiswa kuwo wonke amaphrofayili wabatshalizimali. Hhayi okuncane kakhulu, njengoba uzokwazi ukuqinisekisa kusukela manje kuqhubeke. Ngoba impela, akuwona wonke umuntu ongakhetha ukuqondisa izimpahla zakhe ziye eNdiya. Yilabo kuphela abasebenzisi abanokubekezelela okuphezulu kwengozi abangaqala lolu hlobo lwemisebenzi ekhetheke kakhulu. Ngaphezu kwalokho, izosebenza ukwenza ingxenye encane yephothifoliyo ibe semthethweni, ungalokothi njengotshalomali oluyinhloko. Lesi yisisekelo okufanele silawulwe ngaso isenzo sabo bonke abatshalizimali. Noma iliphi iphutha kulokhu lingakubiza ngaphezu kwesimanga esibi kusukela manje kuqhubeke.

Futhi ukungazi okukhulu kwezinkampani zabo kungaba umthwalo omkhulu wokwenza imisebenzi kule makethe engavamile kakhulu kuze kube manje. Kuze kube seqophelweni lokuthi uzodinga izeluleko ezifanele ngochwepheshe ezimakethe zezezimali. Ukuze ukwazi ukuhambisa konke ukunyakaza okwenziwe kusukela ekuqaleni. Ngakolunye uhlangothi, ukushintshaniswa kwemali okuzosebenza kulezi zimakethe kuzoba ngomunye wemiphumela emibi yokukhetha le makethe yamasheya kude nezindawo zethu zemvelo. Ngoba empeleni, kuzosho izindleko ezintsha ukwenza ngokusemthethweni lesi sifiso esikhona kwabanye babatshali zimali abanolaka kakhulu.

Izinzuzo zokutshala imali eNdiya

i-bolsa Ngakolunye uhlangothi, kunezinzuzo eziningi ezingalethwa yile misebenzi ekhetheke ngokwengeziwe ngaphezu kwazo zonke izimali ezisekela lolu hlelo. Vele, okunye kokuyinhloko kuxhomeke ekutheni ama-indices ayo amakhulu esitoko abhalisa i- ukukhula okuzinzile kakhulu nokusimeme. Ngosizo olubaluleke kakhulu lokuba nezinga lokwehla kwamandla emali eliphansi. Lesi sici sokugcina sihle kakhulu ukukhulisa ukuthengwa ezimakethe zezimali ezinamazinga abaluleke kakhulu ekusebenzeni.

Ngakolunye uhlangothi, akunakukhohlakala ngaphansi kwanoma yiziphi izimo ukuthi ukusetshenziswa okwaziswa ngempela kuyenziwa emnothweni wayo. Futhi njengomphumela walokhu, kufinyelela emiphumeleni yezinkampani ezibalulwe kukhombisa ukuvela kwamanani abo. Ngokwazisa okuphawulekayo ngentengo yamasheya ayo. Lapho ukufika kwabatshalizimali abavela phesheya kuvame kakhulu. Ngamafuphi, ingenye yezimakethe zokulingana ezinenzuzo enkulu eminyakeni emithathu edlule. Okunye okuhluke kakhulu yilokho okuzokwenzeka kusukela manje.

Yini okufanele uyenze ngokusebenza kwakho?

ukusebenza Umbuzo ozozibuza wona njengamanje ukuthi isu lakho lokutshala imali kufanele libe yini ezinyangeni ezizayo. Yebo, ngalo mqondo ingenye yezimakethe zamasheya lapho unayo amathuba amakhulu ukwenza ngcono ibhalansi ye-akhawunti yakho yokuhlola. Vele ngaphezu kokujwayelekile noma okujwayelekile. Kodwa-ke, futhi ngemuva kokukhuphuka okuningi okuqhubekayo emakethe yamasheya, ubungozi ukuthi ukulungiswa okukhulu kwamanani kungenziwa. Ngalesi sizathu esiqondile, ngeke ube nenye indlela ngaphandle kokuqapha ekunyakazeni okwenza ngokomthetho kulo nyaka.

Noma kunjalo, ungakhetha ifayela le- imikhakha kungenzeka ikhule futhi iqhubeke nalokhu kwanda kukhombisa izinkomba zabo eziyinhloko zamasheya. Kulesi simo esivumayo ukuvikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi, isilinganiso sokuqala okufanele usisebenzise sincike ekukhetheni imikhakha ehamba phambili. Phakathi kwabo, bonke labo abahlobene nokusetshenziswa bayabonakala. Ngaphandle kokukhohlwa izingxenye ezixhunyaniswe nezinsizakalo zezimpahla namaqembu ezezimali. Akumangalisi ukuthi bangaziphatha kangcono kunabanye njengamanje.

Ezinye izindlela zokutshala imali kuleli

Abanye abatshalizimali bangaxwaya ukufaka imali yabo kulomakethe okhetheke kakhulu. Ilungele i- ukungazi lezi zimakethe zezezimali noma ngoba nje badinga ukuguqula amasu abo okutshala imali. Kunoma ikuphi, ngeke babe nezinkinga zokuvula izikhundla kule makethe yomhlaba wonke yokubaluleka okukhethekile eminyakeni yamuva. Ngoba empeleni, bangakhetha eminye imikhiqizo yezezimali kunokuthenga nokuthengisa amasheya abo ngqo emakethe yamasheya.

Isixazululo salezi zinkinga sidluliselwe ku- izimali zokutshala izimali ngokuya ngale mali engenayo eguquguqukayo esikhuluma ngayo. Izinkampani eziningi zokuphatha zikhethe ukunikeza amaklayenti azo amamodeli alezi zici futhi inzuzo yazo iqhume eminyakeni yamuva. Ngaphezu kwalokho, ingahlukaniswa ngokuhlanganiswa nezinye izimpahla zezezimali. Kokubili imali engenayo engaguquki kanye nemali engenayo eguquguqukayo noma amanye amafomethi ahlukile wokunikeza iziqinisekiso ezinkulu kubahlanganyeli balezi zimali.

Enye yezinzuzo ezisobala zokukhetha le modeli yokutshala izimali isuselwa eqinisweni lokuthi ubungozi obutholwe ngabatshalizimali abancane nabaphakathi buzoba buphansi kakhulu. Njengomphumela wokusebenzisa leli su eliyingqayizivele, ukulahlekelwa ngeke kube kukhulu njengasemakethe yamasheya. Yize okuphambene nalokho, inzuzo izokhawulelwa ngokuphawulekayo maqondana nezikhundla ezithathwe ezimakethe zamasheya. Ngezimali ezahlukahlukene zokutshala imali ezizokwanelisa isidingo salaba batshalizimali.

Amathiphu wokutshala imali eNdiya

Uma unesifiso sokukhomba le makethe yezezimali yase-Asia, kufanele usebenzise uchungechunge lwezincomo ukuze utshalomali luthuthukise kahle. Enye yezinto eziwusizo kakhulu ukuthi kufanele qaphela kakhudlwana ukuvela kwama-stock indices ayo. Ngakolunye uhlangothi, njengoba izingozi zikhulu, akufanele ugxilise zonke izimpahla zakho kule mpahla yezezimali. Zama ukukuhlukanisa neminye imikhiqizo yezezimali noma ngokunye okushintshana okuvamile kunalokhu. Kwanele ukuthi wabela ingxenye engezansi yakho konke okulondolozile.

Enye yezinyathelo okungeke kube khona ukukhetha kepha ukwamukela ukuthi kubhekiswe eqinisweni lokuthi kufanele uzishiye izikhundla kule makethe lapho ezinye izisekeli ezifanele kakhulu zephuliwe. Futhi-ke lapho izimali zaseNdiya zishintsha ukuthambekela. Kuzoba wuphawu olubonakalayo ukuthi akufanele uhlale ezinye izinsuku ngokutshalwa kwemali. Awukwazi ukukhohlwa ukuthi le makethe yezezimali ibonakala ngokuguquguquka kwayo okuphezulu. Ngenhla kwendabuko kakhulu noma ejwayelekile. Akufanele ubeke engcupheni imali yakho okuyisisekelo.

Ngakolunye uhlangothi, kuzoba nengqondo enkulu ukusebenzisa uchwepheshe kulezi zimakethe ukuphatha kahle iphothifoliyo yakho. Kuzoba yilowo ocacile mayelana nesikhathi lapho kufanele ungene noma uphume khona kule makethe yamasheya. Kungakunika ngisho namanye amasu ukuze ukwazi ukwenza izikhundla zakho zizuze kahle kakhulu. Ngeke kukubize ngalutho futhi kunalokho kunezinzuzo eziningi ongazithola kusukela manje kuqhubeke.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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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.