Uma ungomunye walabo bantu abangene ezimakethe zamasheya kusukela ekuqaleni konyaka, ngokuqinisekile uzoba nenzuzo enkulu yemali ku-akhawunti yakho yezokuphepha. Ngoba empeleni, inzuzo yenkomba yokuma kwemakethe yamasheya yaseSpain kulesi sikhathi yile kusondele kakhulu ku-15%. Futhi ukuthi noma amanye amanani afinyelele emazingeni anelisa ngisho nangaphezulu ezithakazelweni zabatshalizimali abancane nabaphakathi. Kokuzivocavoca okungangabazeki ukuthi kufanele kubekwe njengokuhle ngokucacile kwabasindisi baseSpain
Njengomphumela walokhu ukusebenza okuhle kakhulu kwezimakethe zokulingana kuza inkinga enganelisa kakhulu kubo bonke abasebenzisi. Vele, akukho okunye okuphathelene nokuzuza kwemali etholakele kuze kube manje. Ngoba empeleni, manje yisikhathi sokucabanga ngalokho okufanele ukwenze ngalezi zimali. Ukuthi kufanele ugcine izikhundla zamanje noma uma okuphikisanayo isikhathi esifaneleke kakhulu sokuthengisa amasheya. Ngale ndlela, jabulela inzuzo kulezo zinto ozifunayo
Elinye lamasu okufanele uwasebenzise ngalezi zinsuku ukuhlaziya isimo sama-akhawunti akho asebhange. Ukwazi ukuthi yiliphi isu elihle kakhulu kuwe kusuka manje. Ngaphezu kokwazi isimo sezimakethe ezehlukene zezezimali ukwazi lapho kufanele uqondise khona iminikelo yakho yezezimali. Ngakho ekugcineni akukho okushiywe ekuthuthukisweni. Kuzoba ngumsebenzi okungafanele uthathe isikhathi eside uma ufuna ukwenza imali oyongele imali yakho izuze kodwa futhi uyijabulele. Kuyinto eyisisekelo kuzo zonke izinhlobo zabatshalizimali, ezinolaka kakhulu futhi ezilondolozayo noma ezivikelayo.
Inzuzo eyinhloko: thengisa izikhundla
Enye yezindlela zokuqala ongazithatha ukuthengisa amasheya ezokuphepha ezitshaliwe kulo nyaka. Kepha hhayi nganoma iyiphi intengo, kepha njalo ngaphansi kwezimo ezinhle kakhulu ezinikezwa izimakethe zezimali. Kunoma ikuphi, kufanele wazi ukuthi yisikhathi esihle sokuhlehlisa izikhundla ngemuva kokubuyekezwa kwamasheya aseSpain. Ngoba impela, kungcono jabulela le mholo lokho kuzoqhubeka nokulingisa inhlanhla ezinyangeni ezimbalwa ezizayo. Ngalokhu sizokunikeza uchungechunge lwamathiphu azosiza kakhulu ukusheshisa ukuthengisa futhi ungathola inzuzo ethe xaxa.
Elinye lala macebo ahlukile lifaka ukusebenzisa ngokunenzuzo ukukhuphuka okuqinile kokuthengisa amasheya. Kuyisimo esizokwenzeka impela kusukela manje kuqhubeke. Ukufeza le nhloso oyifunayo, kufanele usethe inani elibekiwe nenani ongalifinyelela ukushiya izimakethe zezezimali. Ungalokothi ukwenze ngezinqubo zokulungisa noma ukwehla ngezikhathi ezithile emakethe yamasheya. Ngoba kuzoba yindlela yokukhawulela inzuzo, noma ngendlela enolaka kakhulu kwezinye zezimo ezimbi kakhulu ezingakhiqizwa ezimakethe zezezimali. Vele, akukho okunye ongakwenza ngaphandle kokulungisa intengo ukuze uphume emafeni wezezimali.
Ukuthengisa okuyingxenye esikhundleni samathothali
Uma ungafuni ukushiya izimakethe zezimali ngokuqinisekile, unelinye isu elinganelisa ukufunwa kwakho ngabo bonke ubunzima. Imayelana nokuqaphela ukuthengisa okuyingxenye esikhundleni somhlaba jikelele. Ngale ndlela, uzokwazi ukuhlanganisa amasu amabili lapho iziphakamiso zakho ziqondiswe khona. Ngakolunye uhlangothi, uzokwazi ukujabulela ukuzuza kwemali etholakele kuze kube manje. Futhi kokunye, uzoba nethuba lokuqhubeka ezimakethe zezezimali ukuze uqhubeke nokwenza ukonga kube nenzuzo ezinyangeni ezimbalwa ezizayo. Kuyisikhundla esiphakathi esingasiza noma iyiphi iphrofayili yomtshalizimali omncane naphakathi. Ngoba ihlangabezana nayo yonke imibono oyifunayo ebudlelwaneni bakho nezwe lemali eliyinkimbinkimbi njalo.
Kunoma ikuphi, okufanele ukwazise ngaphezu kwakho konke amaphesenti okumele asetshenziswe kumasu ngamasu okutshala imali. Noma kunjalo, ekusetshenzisweni kwayo kufanele iphrofayili yaziswa kakhulu owethula njengomtshali-zimali. Ngoba kuzohluka kunendlela enolaka kwabanye egcina kakhulu. Akumangalisi ukuthi kuzoba ngomehluko omkhulu lapho wenza leli su elikhethekile ukuvikela izintshisekelo zakho nokugcina inzuzo yakho ngaphezu kokunye ukucatshangelwa kobuchwepheshe.
Phinda uyivune kweminye imikhiqizo
Uma ekugcineni isinqumo sakho sincike ekuthengisweni kwamasheya, uzohlala unenketho yokuqondisa le minikelo kweminye imikhiqizo yezezimali. Okuncanyelwayo kusuka kwimali engaguquki ukulondoloza nokuqinisekisa ukonga. Umbono ngalomqondo unga kuhanjiswe ngamadiphozithi etheimu. Ngoba ngalesi senzo esilula uzoba sesimweni esingcono sokunweba umholo wakho ngokuthola imbuyiselo engaguquki futhi eqinisekisiwe kusuka kulo mzuzu oqondile. Kuyiqiniso ukuthi amanani ozowathola awamangalisi, kepha okungenani uzokhipha imbuyiselo njalo ngenyanga engadlula kancane umgoqo ongu-1%.
Ngakolunye uhlangothi, ungahlala ubuyela ezimakethe zezezimali ngesikhathi esifanele kakhulu. Ngemuva kwekhefu elifanelekile ezimakethe zezimali futhi ubuye uqine ngokwengeziwe uma kungenzeka. Ngisho nokuhlaziya okuyizindinganiso ezihamba phambili zomzuzu ngamunye nokusizakala ngesimo se-bullish sezimakethe zezezimali. Akumangalisi ukuthi kungenye yezindlela ezisetshenziswa ngabatshalizimali abanolwazi oluningi kuzo zonke izinhlobo zezimpahla zezezimali. Kumele uhlangabezane nemfuneko eyodwa ebaluleke kakhulu. Akusikho okunye ngaphandle kokwazi isikhathi esihle sokungena nokuphuma ezimakethe zezezimali. Okuthile okungelula ngaso sonke isikhathi ukukufeza. Ukuze ukwenze kahle, ngeke ube nokhetho ngaphandle kokuqondiswa ubugwegwe futhi wenze isu elibalwe kahle.
Kungani ungathengisi amasheya?
Ngokuphambene nalokho, ungaqhubeka futhi emhlabeni wemakethe yamasheya ukuzama ukusheshisa inzuzo eyenziwe kuze kube manje. Lokhu kusebenza kuzokuvumela ukuthi ube nolaka kakhulu ezindleleni zakho zomhlaba wokutshala imali. Kuyiqiniso ukuthi ubungozi bukhulu kakhulu, kepha ngokubuyisela uzoba sesimweni esingcono sokunweba ibhalansi ye-akhawunti yakho yokuhlola. Kodwa-ke, kunezimo ezithile lapho leli qhinga lingasiza kakhulu kuzintshisekelo zakho. Ngaphezu kwalokho, kuzodingeka ukuthi ihambisane nephrofayili oyethula njengomtshalizimali omncane naphakathi.
Esinye salezi zimo lapho kuzuzisa khona ukugcina izikhundla zakho kumasheya kulapho izinkomba zamasheya zihamba ngaphansi kwendlela ecacile yokukhuphuka. Phakathi kwezinye izizathu, ngoba nakanjani umholo wakho uzoqhubeka usebenza. Lokho wukuthi, uzobanweba ngokuya ngobukhulu balokhu kukhuphuka. Kuyisu elingasetshenziswa ngabatshalizimali abanolaka kakhulu abanganelisekanga ngamazinga enzuzo yemali etholakele kuze kube manje. Akumangalisi ukuthi umvuzo ongawuthola uzokwanelisa kakhulu izintshisekelo zakho.
Bamba izikhundla
Enye yezinzuzo ezinkulu zokusebenzisa le ndlela ekutshalweni kwemali kusekelwe eqinisweni lokuthi ingakusiza ukuthi wakhe isikhwama sokonga esizinzile kakhulu kunamanje. Kepha ukuze lokhu kube kanjena, awunaso esinye isixazululo ngaphandle kokukhetha amanani afanele kakhulu ukuthuthukisa leli qhinga elikhethekile. Ngezinkampani ezinemali enkulu futhi ezingalethi ukuguquguquka ngokweqile kuzintengo zazo. Njengesibonelo, kulokho okubizwa nge- piggy yasebhange amagugu okungukuthi lokho okukhombisa ukuvuselelwa okuncane kepha okuqhubekayo okunikela kakhulu ekwenzeni ngcono ukulingana kwabasebenzisi bemakethe yamasheya.
Ungakhetha futhi amanani nge izabelo futhi lokho kuvumela abasindisa imali ukuba babe nenani elinqunyelwe futhi eliqinisekisiwe njalo ngonyaka. Ngamaphesenti asukela ku-3% kuya ku-9%, kuya ngeziphakamiso ezikhethwe kusukela manje. Njengomphumela waleli su, uzohlala unemali ku-akhawunti yakho yokuhlola ongayisebenzisa kunoma yisiphi isidingo esivelayo. Konke lokhu ngaphandle kokuvela kwenani ezimakethe zezezimali. Kulezi zimo, kungasiza kakhulu izintshisekelo zabatshalizimali. Noma kunjalo, ukusungula inani lentengo elithengiswayo elingaphansi noma elifanele ukwenziwa ezimakethe zezezimali.
Yenza ukuthenga okwabiwe
Ekugcineni, ungathengisela amasheya akho ku- uzithenge kamuva. Lapho kukhona ukulungiswa okubaluleke kakhulu ezimakethe. Ukuze ngale ndlela, amandla okukhula otshalomali lwakho abe namandla kakhulu kunamanje. Ngoba phakathi kwezinye izizathu, uzoba nezinga eliphakeme kumanani akhethwe ukusebenzisa leli su eliyinkimbinkimbi kakhulu.
Kodwa-ke, kufanele unikeze ulwazi oluthe xaxa ekusebenzeni kwalezi zici. Ngoba unamathuba aphezulu okufeza izinhloso zakho. Yize kuzo zonke izimo, kuzodingeka ukhethe ngaphandle kokulungisa ukuthenga nokuthengisa. Ngomgomo ochazwe kahle ngoba uhlala ekwenzeni imisebenzi emakethe yamasheya ibe nenzuzo enkulu. Akufanele uzenze ngaphansi komyalo wokuhlaziywa ngoba zizonciphisa amathuba akho okuthuthukisa izikhundla zakho ezimakethe zezimali.