Ungabhekana kanjani nokutshalwa kwemali kwakho emakethe yamasheya ngo-2016?

Unyaka omusha uyeza lapho abaseseli bafuna ukuthuthukisa izikhundla zabo, ngemuva kokukhungatheka kwamasheya esikhathini esedlule. Yize ekuqaleni konyaka wezi-2015 abahlaziyi bemakethe yamasheya ababaluleke kakhulu babikezela ukubuyekezwa kwamasheya aseSpain aphakathi kuka-10% no-20%, lokhu bekungenjalo. Ekugcineni, kuphele cishe njengoba kwaqala, eduze kwesithiyo samaphoyinti ayi-10.000.

Babhekene nalolu hlelo olusha, ochwepheshe bezimakethe zamasheya zaseSpain nikeza umgomo ngamaphoyinti ayi-11.500 XNUMX. Ngamanye amagama, kusuka emazingeni amanje, ibhentshimakhi yokulingana kukazwelonke izokhombisa u-15% wemali etholwayo. Kodwa-ke, njengakuyo yonke i-generalizations, kuhlale kunesazi esithile semakethe yamasheya esehlisa okulindelwe kokubuyekezwa, okushiya ku-5% ongaphezu kwesizotha. 

Kodwa-ke, kuyizibikezelo, futhi iqiniso lamanani lizomakwa yimakethe, njengenjwayelo, ukulungisa amanani abe yiqiniso. Futhi lokho kuya ngokuhlukahluka okusha okuvelayo, hhayi ezomnotho kuphela, kodwa futhi nesimo sezepolitiki ngisho nesenhlalo, ekugcineni kuzonquma amazinga emakethe yamasheya ezinyangeni eziyishumi nambili ezizayo.

Naphezu kwakho konke, nangokuhlela kahle iphothifoliyo yakho yokutshala imali, uzokwazi ukwenza kangcono ukubuyiswa kwamasheya akho, ngisho nokuphinda kabili inzuzo etholakalayo emakethe yezimali engayenza. Esinye sezihluthulelo zokwenza ngempumelelo lelisu sizoba nalokhu khetha kangcono amanani alo nyaka.

Kufanele uhlole izimo ezintsha

Ngeke kulungele noma ngubani, kepha labo abakhombisa isitatimende sezezimali kuma-akhawunti abo kuphela, futhi uma kungenzeka okungenani isikweletu kusuka okufanayo. Futhi ikakhulukazi ukuthi bayabala nge-uptrend engaphezu kombuzo, okungenani esikhathini esifushane naphakathi, ukuqinisekisa uhambo lwakho.

Futhi akumele kwehliswe nezimakethe zamasheya ezisezingeni eliphakeme ukuqala ukuthatha izikhundla ngokuqhubekayo. Futhi ngokombono wabahlaziyi ababalulekile kungaba yilezo ezixhumene nokusetshenziswa, izinkampani zezithuthi zomphakathi nezikagesi, ikakhulukazi.

Kunoma ikuphi, kulula ukulandela ngokuningiliziwe ukunyakaza kwezinkampani ezihlobene nezinto zokusetshenziswa, ezihlawuliswe kakhulu ngo-2015 ngokuncishiswa okukhulu kwamanani azo. Ushintsho olungaba khona kuthrendi kuzintengo zabo lungaholela ekutheni bakhiqize inzuzo enkulu, ngethemba lokuthi ungenza imali oyongile izuze ngemali efinyelela kuma-30%, noma ngamaphesenti aphezulu uma ukuthambekela kukuwe.

Ukukhuphuka kwamanani kuzokuthinta kanjani i-United States?

Lo msebenzi omusha ngokungangabazeki uzobonakala nge ukuqala kokukhuphuka kwamanani wenzalo e-United States yi-Federal Reserve, futhi ngokokuqala ngqa selokhu kuqale ukuwohloka komnotho okukhulu okuthinte kakhulu umhlaba. Akumangalisi ukuthi ushintsho kumgomo wezimali seluvele luyinto engekho umhlaziyi ongabazayo.

Kulesi simo esisha sezomnotho, kuzofanele ubheke ukuthi izimali zisebenza kanjani, futhi uma zingadala ukulungiswa okubukhali ukuze zilethe amanani azo emazingeni kuze kube manje akhohliwe. Akumangalisi ukuthi kunamazwi amaningi afanelekayo akhuluma ukuthi lesi silinganiso sizosho ukuthi a ukuqoqwa kwenzuzo esikhwameni ngabasindisa ngaphesheya kwe-Atlantic.

Mayelana nezwekazi elidala, kuzofanele ubhekisise ukuthi ukukhula komnotho emazweni amakhulu e-European Union kuzoqhubeka yini ezinyangeni ezizayo ngamandla afanayo njengamanje, noma uma kungaba khona ngisho izimpawu ukungena komnotho omusha. Y kungasebenza njengendawo yokubhekisa ukwenza isinqumo sakho ngaphambi kokuvuka okusha (noma ukulahlekelwa) ezimakethe zezimali.

Ezinye izici ezizothonya imakethe yamasheya

Kepha ngeke babe bodwa, kepha kufanele wazi ezinye izimo ezingaba nomthelela ezimakethe ukuthi zikhuphuke noma zehle, kuya ngobukhulu bayo. Kusuka ezinkambisweni zokhetho eziyinkimbinkimbi kakhulu kuya kumephu eyinkimbinkimbi ye-chess edlalwa eMiddle East, ngenxa yempi yaseSyria, kanye nokubandakanyeka kwamazwe amaningi ekuthuthukisweni kwempi.

• Izimo zokhetho ezizokwenzeka kwamanye amazwe aseYurophu, ukuqeda unyaka ngokukhethwa kukamongameli omusha wase-United States. Lezi zinqubo zokhetho zizoba yi-thermometer yokukala ukuthambekela kwamasheya ngalesi sikhathi. Futhi lokho ngokungangabazeki kuzonquma isinqumo okufanele usenze ukukhulisa utshalomali lwakho.
• Izingxabano ezifana nezempi eziyolethwa ukufika konyaka omusha, futhi ezinye zazo zigcwele ngokuphelele, njengempi yaseSyria, izingxabano phakathi kohulumeni baseRussia nabase-Ukraine, futhi okungezwa ezinye zentuthuko entsha. Bangaguqula uphawu lwezimali nganoma yisiphi isikhathi, futhi ngokungazelelwe, ngamanani amakhulu entengo yamasheya.
• Ithuba lokuthi IGrisi ayikwazi ukubhekana nezikweletu ezinikezwe izinhlangano zomhlaba wonke, futhi igcina ngokuba nomthelela enqubekweni yentuthuko ye-European Union. Impela, ezinyangeni ezizayo kuzoba nezimo zokungaqiniseki, ezingakulimaza uma uthathe izikhundla ezimakethe zezezimali.
• Izinkinga zomnotho waseChina, esivele ikhombisa izimpawu zokwehla okucijile, futhi okungaba kubi nakakhulu ngonyaka ozayo, kuthinte izimakethe ezisafufusa, kodwa futhi nezindawo ezinkulu zezomnotho, obudlelwano bazo bezohwebo ne-giant yase-Asia buqine kakhulu. Awukwazi ukukhohlwa okwenzekile ehlobo eledlule, lapho, ngenxa yalesi sizathu, izimakethe zamasheya zehle ngaphezu kuka-10% emasontweni ambalwa.
• Futhi ekugcineni, awukwazi ukuzivumela uhambe ukukhuphuka phansi ngentengo kawoyela ongahluziwe, ngemuva kokuhamba kusuka kuma-dollar angama-80 kuya kwangama-40 emgqonyeni ngo-2015, futhi lokho kungabeka engozini ukubuyiswa kwamazwe athile asafufusa, noma kumane kuvuselele ukwehla kwamandla emali. Uma lezi zimo zigcwaliseka, ngeke kube khona okunye ukukhetha ngaphandle kokucabanga ukuthi izimali zamanani zizokhombisa phansi lesi simo esingajwayelekile esidlula lapho.

Ungayivikela kanjani imali oyitshalile ngalesi sikhathi?

Sekukonke, isimo sezimakethe zamasheya zalo nyaka, Kubukeka sengathi kukude nobuhle beminyaka edlule, noma obethulwe ngabahlaziyi abahle kakhulu. Kepha noma kunjalo, ngaphandle kokuba yinhlekelele njengoba kubikezela ezinye zezimakethe zezimali. Akumangalisi ukuthi imininingwane yezomnotho, e-United States nase-European Union, isazoqhubeka nokuba nesinqumo sokulinganisa ukuthi kuzoba kanjani kulo nyaka emakethe yamasheya.

1. Uma ubalalele, ngokuqinisekile uzothola i-tweak enhle eminikelweni yakho. Kepha yebo, kuzofanele unakekele izenzo zakho, ngokuyisisekelo ukuvikela ukonga, kepha futhi nokuthuthukisa amasu asebenza kangcono ukufeza izinhloso zakho.
2. Akunakusho ukuthi, lokho kuqonda kuzokhomba ukukhula kwezenzo zakho, kufanele ukhethe ukuphepha okune-akhawunti yebhizinisi enempilo ngokuqinisekile, futhi kungenzeka ngesikweletu esincane Futhi noma kunjalo, ukubalekela imikhakha ebanga kakhulu ezinyangeni eziyishumi nambili ezizayo. Okuthi ngokombono wochwepheshe bezimakethe zezezimali, futhi ngokuqiniseka konke, kuzoba yizinkampani zebhange, zamandla, futhi mhlawumbe ezihamba phambili.
3. Ukwehlukaniswa okulungile ekutshalweni kwemali, ukukhetha imijikelezo ebanzi yonyaka omusha, ukwakha iphothifoliyo yokutshala imali enezibambiso ezinenzuzo. Cishe kuzoba ukhiye wokufeza izinhloso zakho ngempumelelo enkulu.
4. Ngaphandle kokubukela phansi eminye imikhiqizo yezezimali, ongayibhalisa ngokuya ngokuthi umnotho wamazwe aphambili uguquka kanjani, kepha ikakhulukazi izimakethe zezimali. Ngalesi sikhathi, Ungakhetha ngisho nezinye izindawo ezihlukile, futhi nemikhiqizo yasebhange, okuze kube manje ubunazo. Futhi lokho kungakha izintshisekelo, okungenani kwamukeleke. Yize impela engahlangabezani nakho konke okulindele.
5. Khumbula lokho Imakethe yebhere nayo ingaheha izintshisekelo zakho. Ungabheja kuma-indices, imikhakha noma amanani abhekana nalesi simo ngo-2016. Izinzuzo zemali ongayithola ziphakeme kakhulu, kodwa qaphela, ngoba ezinyangeni ezimbalwa ungalahlekelwa yingxenye ebaluleke kakhulu yenhlokodolobha yakho. Ukugwema lezi zimo ezinamahloni, kunconywa kakhulu ukuthi ubeke umkhawulo eminikelweni yakho ekusebenzeni okuncane. Futhi ngale ndlela khawula ukulahleka okungenzeka.
6. Zama gcina izinga elihle lokuthengiswa kwemali kuma-akhawunti akho isikhathi esiningi sonyaka. Kuzoba ithuluzi elifanele kakhulu ukusizakala ngamathuba amaningi ebhizinisi azovela ngalesi sikhathi. Akekho ophoqelelwa ukuba athengwe unyaka wonke, yini enye, engeke nhlobo ilungele izintshisekelo zakho.
7. Ungazami ukuzikhawulela kuphela kumasheya kazwelonke, kepha kufanele uqonde ukuthi kunezinye izimakethe zezezimali, lapho ungathola khona impendulo efanelekile ezidingweni zakho ukukhiqiza inzuzo yemali. Yize kulokhu kuzodingeka ubhekane namakhomishini aphakeme, futhi kungahle kube njalo ukuthi awazi izimakethe zawo ngokujulile.
8. Musa ukuphakamisa ukuhlala isikhathi eside ngokweqile, okungavimbela isu lakho. Njengamanje izimakethe zamasheya zomhlaba wonke zilawulwa ukunyakaza okungazinzile kakhulu, okudinga isivinini sezenzo zakho. Noma ikuphi ukubambezeleka kuzo kungakubiza ama-euro amaningi ekusebenzeni ngakunye.
9. Ekugcineni, sondela ekusebenziseni okusha ngomqondo oqondile. Ngeke kusize ngalutho ukuzisola uma ungazi nokuthi ukuvela kwayo kuzoba njani. Ngakolunye uhlangothi, ngobuchule obuvuleke ngokwengeziwe kuzokusiza ukuthi uwabone kahle wonke amathuba ebhizinisi azokwethulwa kulo nyaka omusha wokuhweba. Ngisho nokufunda emaphutheni adlule, okungenye yezindlela ezinhle kakhulu zokuhambisa imisebenzi yakho.