Inzuzo yesikhathi eside

isikhathi eside

Ngaphakathi isu thenga ubambe, esinye sezici esaziswa kakhulu ngabatshalizimali abancane ukuthi ungayithola kanjani inzuzo yesikhathi eside. Uyithola kanjani? Kufanele ukhethe ziphi izibambiso? Noma ingabe izintshisekelo zakho zinezingozi eziningi? Zimbalwa nje kusondela yini abathengisi abeza kuyo. Vele, lolu hlobo lwenhloso ludinga uchungechunge lwezindlela okufanele kuhlangatshezwane nazo futhi esizokuchazela ngazo ngale ndatshana.

Ngokuvamile, ama-savers aqondiswe kulesi sikhathi saphakade anephrofayili echazwe kahle kakhulu. Laba ngabatshalizimali abalondolozayo, abathi bafuna ukuvikeleka kunenzuzo uqobo. Bagxila ekuvikelekeni okungamanzi kakhulu, okufakwe ngaphakathi kwezimpawu eziyinhloko zemakethe yamasheya, hhayi kuzwelonke kuphela, kodwa nakwezinye izindawo ezindawo. Futhi noma kunjalo babalekela iziphakamiso eziyingozi kakhulu ezimelelwa amanani aqagelayo.

Uma usuhlaziye ukuthi abatshalizimali bafuna kanjani inzuzo yesikhathi eside, kuzoba yisikhathi sokugxila kulokho isigaba samasheya esakha iphothifoliyo yakho yokutshala imali. Ama-chip eluhlaza okwesibhakabhaka angenye yezinketho zakho ozithandayo, futhi akhona emisebenzini yakhe eminingi. Ngalo mqondo, kufanele kukhunjulwe ukuthi lezi zimiso zimelela lezo ezinesisindo esiphakeme kunazo zonke senkomba ekhethiwe kazwelonke, leyo eyaziwa ngokuthi i-Ibex 35. I-BBVA, iSantander, i-Iberdrola, i-Endesa ne-Repsol ngamalungu ayo.

Amanani wokuzivikela kakhulu

Ukuphepha okungabamukeli bemisebenzi yabo akunikezi ukwehla okukhulu kwamanani abo. Akusizi ngalutho phakathi kwezintengo eziphakeme nezincane zamanani abo kuseshini efanayo yokuhweba akunikeli umehluko omkhulu. Okunye ukunikela kwakhe ukuthi yiqembu lezenzo lelo nikeza isivuno sesabelo esiphakeme. Ngenzuzo engaguquguquki nonyaka emaphakathi kuka-3% no-8%, ngenkokhelo eyodwa noma ngaphezulu ngonyaka. Lo mholo kumninimasheya wenza umtshali-zimali abe yinzuzo engaguquki kokuguqukayo.

Isizathu saleli su lokutshala imali enzuzweni yesikhathi eside kungenxa yokuthi lidlula imikhawulo yenzuzo ebuthakathaka njengamanje enikezwa yimikhiqizo eyonga kakhulu (amadiphozithi, amanothi ezithembiso zasebhange, izikweletu zomphakathi, njll.). Futhi noma kunjalo, ungeqi ngaphezu kuka-0,50%. Njengomphumela wenqubomgomo yemali ye-European Central Bank (ECB) ukwehlisa intengo yemali. Futhi lokho sekuholele ku-0%. Into eyayingakaze yenzeke kunqubomgomo yezomnotho yomphakathi.

Amanye amanani agcinwayo akhethwa yilaba batshalizimali yilawo avela emikhakheni ezinze kakhulu, emabhizinisini abo nasemanani abo. Phakathi kwazo, ukuvezwa kwamandla, imigwaqo emikhulu, futhi ikakhulukazi izinkampani zikagesi zigqamile.. Ngokuyikho lokhu kokugcina okunesethulo esibanzi futhi esinezinhlobonhlobo: I-Gas Natural, i-Endesa, i-Iberdrola, i-Enagás ne-Red Eléctrica Española, phakathi kwabanye. Azishodi ngephothifoliyo yethemu yalezi zici. Akumangalisi ukuthi zinikeza uzinzo olukhulu ekulondolozweni kwabatshalizimali abancane nabaphakathi.

Ziyini izinhloso?

imigomo yokufeza

Ukuthuthukisa nokugcina isu lenzuzo yesikhathi eside kudinga izici ezichazwe kahle kakhulu, okungafanele uzinake lapho wenza isu lakho. Kuzofanele uchaze unomphela ezimakethe zezimali. Nesikhathi esiphezulu esiphakathi kweminyaka emi-5 nengu-10 cishe, lapho kungakhethwa khona izibambiso ezinenzalo ekhulayo, ngaphansi kwenani eliphansi lemali elizoncika emalini enikelwe kulokhu kusebenza ezimakethe zamasheya.

Ifomula ejwayelekile kakhulu ukuhambisa lolu hlobo lokutshala imali ukuvumela ukuthi uthathwe yiqiniso lamanani. Ukuze njengoba imigomo yinde, inzuzo iba iheha kakhudlwana, yize ngamaphesenti engashayi kakhulu ekwenzeni imisebenzi emikhulu. Futhi-ke, inqobo nje uma kungekho senzakalo esenzekayo esenza izimakethe zamasheya zintengantenge, njengoba kwenzeka ekuqaleni kwenkinga yokugcina yezomnotho, ngo-2007.

Kuzitshalomali zesikhathi eside ngeke uthole ukuvuselelwa kwanoma yikuphi ukuhlobana, ingasaphathwa leyo ezokwenza ube usozigidi. Akumangalisi ukuthi amacala amaningi akhuluma ngani iqinisekisa yonke imali efakiwe. Ukuthola imbuyiselo edlula leyo yemali engaguquki, futhi kunjalo, ngaphandle kokuthatha izingozi ngokweqile. Akukhathalekile ngoba uhamba ngezinqubo lapho uzolahlekelwa khona yingxenye yeminikelo yakho. Kuzoba neminyaka eminingi yokuyithola, futhi ngisho nokuyandisa.

Yisiphi isayikholoji okufanele ube nayo kule misebenzi?

Ukwehla kwamanani wenzalo muva nje kube nomphumela ophansi wokwehla okuphawulekayo kwenzuzo yamadiphozithi asebhange. Futhi omunye wemiphumela yawo ukuchezukiswa kwengxenye enhle yokonga kuya kumasheya, futhi ikakhulukazi emakethe yamasheya. Kepha kuzofanele ugcine uchungechunge lwezenzo ezingajwayelekile ekusebenzeni kwesikhashana, futhi ezidinga ukunakekelwa okukhethekile ohlangothini lwakho.

Akufanele ugxile ekuhambeni okuthile kwezimakethe zezimali, ngoba akuyona injongo. Kungaba ukuhlakanipha ngisho nokungayinaki imisebenzi yakho njengoba becabanga ngezikhathi ezinjalo zokugcina. Kubaluleke kakhulu ukuthi ungabhaliseli amasheya enkampani angaqondakali, nokuthi anganyamalala ngenxa yokuphathwa kwawo. Lapho izinkampani zizinza kakhudlwana, kuzoba ngcono ngezintshisekelo zakho. Ukuzinza yisici esiyinhloko okufanele usibheke lapho ukhetha izinto ozithandayo.

Izici zale migomo

Izinhloso zesikhathi eside

Njengamanye amasu okutshala imali, le nketho kuma-equities inezinhlobonhlobo zezinzuzo nezinkinga okufanele wazi. Futhi lokho ezimweni eziningi kuzoncika kuphrofayili oyivezayo njengomtshalizimali ojwayelekile. Njengoba ubhekene nalesi simo esikhombisa ukuhlala unomphela ezimakethe zamasheya, akukho okunye ongakwenza ngaphandle kokuhlaziya izinzuzo zawo. Futhi lapho ubuhle bayo buzovela kuqala.

  • Banikela ngentshisekelo ekhulayo, ukuze kuthi njengoba ubheka iminyaka eminingi, inzuzo yamaphothifoliyo enziwe izokhuphuka, kepha ngaphandle kokufinyelela emazingeni angalingani.
  • Abaqinisekisi ngemali etholakalayo etshaliwe, kodwa ngokushintshana ngokunikezela ngamathuba amahle okusebenza, angathuthukiswa ngomholo wezabelo okhiqizwe yingxenye enkulu yalezi ziphakamiso.
  • Kunamasu ahlukile wokuqasha, kuya ngephrofayili oyivezayo, nalapho okuthandwa kakhulu yizintshisekelo zakho ukutshalwa kwezimali okuhlukahlukene, hhayi ukugxila kunani elilodwa. Le yindlela ewusizo kakhulu yokuvikela ukonga esikhathini eside kangako.
  • Ukutshalwa kwezimali kwesikhathi eside kukuvumela khetha kusuka ezinhlotsheni ezahlukahlukene, kokubili kusuka kumasheya kazwelonke nakwamanye amazwe. Ukuzama ukufuna njalo amathuba amahle kakhulu enzuzo, ngisho nokukhetha amathuba okuthenga avelayo minyaka yonke.

Okubi ngokuhweba kwesikhathi eside

Lawa magama aminyene futhi anezingozi ezithile okufanele uzihlole ukwenza utshalomali. Futhi ukuthi kwasekuqaleni kungacabanga ukuthi ungathola i- ukungabi khona kwemali ukuze kuhlangatshezwane nezindleko ezithile empilweni yakho yangasese (izibopho zentela, ukukhokhwa kwemali ebanjwayo, isikole sezingane, noma nje ukukhokhelwa okungalindelekile kubhajethi yakho yomndeni). Kepha yizo kuphela izinkinga ongazithola kulesi simo. Kunezinye izinto okufanele futhi ucabange ngazo. Futhi phakathi kwalokhu okulandelayo kugqame.

  • Ake sithi une imali engenamandla isikhathi eside, yize ungenza ukuthengisa okuyingxenye ukuthola isikweletu esidingekayo. Yize kunengozi esobala yokuthi amanani wamasheya akho ngalezo zikhathi angaphansi kokuthengwa.
  • Imali encane oyinikela ekutshaleni imali kumasheya ngokuvamile iphakeme kunakwiminye imikhiqizo yezezimali, ezothinta isimo sangempela sama-akhawunti akho, nokuthi yini engakwenza ukwenze ukutakula ngesikhathi kweminye imikhiqizo yezezimali (imali yesikhathi, izimali zokutshala imali, ama-waranti noma okuphuma kokunye, phakathi kwezinye).
  • Inzuzo enikezwa utshalomali ekugcineni ingahle ingakhangi kangako njengokuyigcina iminyaka eminingi kangaka, ukwazi sesha eminye imikhiqizo yezezimali ngezinzuzo ezingcono. Futhi nangembuyiselo eqinisekisiwe, yize into ejwayelekile ukuthi incane kakhulu futhi ayizenelisi izinhlelo zakho njengomgcini wesikhathi eside.
  • Lezi zigaba zokuhlala unomphela zihloselwe uhlobo olwedlulele kakhulu lwephrofayili yesaver efuna ukuvikeleka nokucaca esikhundleni sobungozi nenzuzo enkulu. Into yokuqala okuzodingeka uyenze ukuchaza uma uhlangabezana nalezi zici futhi ulandela amamodeli wazo wokutshala imali. Ungahle udideke, futhi ungene kahle kwelinye iphrofayili elingahlali isikhathi eside.

Ingabe kufanelekile ukunweba isikhathi esinqunyiwe?

ukunweba isikhathi esinqunyiwe

Iminyaka emihlanu, eyishumi noma nangaphezulu isikhathi eside kakhulu ukugcina izikhundla ezimakethe zezimali. Hhayi abasebenzisi abasebancane kakhulu, uma kunjalo abathathe umhlalaphansi kufanele balandele lezi zindlela zesikhathi eside. Kungaphakathi kweminyaka ephakathi kuphela lapho kuzokwenza umqondo, futhi inqobo nje uma kukhona ukonga okungeke kudingeke kwabaningi. Uma inhloso yakho eminyakeni ezayo ukuthenga indlu, khohlwa ngalezi zindlela zokutshala imali. Ngoba ayifanele kakhulu izintshisekelo zakho, futhi ingalimaza kakhulu izintshisekelo zakho.

Kunoma ikuphi, kuyisu loku tshala ingxenye encane yemali oyongile, futhi ngenhloso yokwakha isikhwama sokonga seminyaka embalwa ezayo. Futhi lokho kungahlanganiswa nenkontileka yeminye imikhiqizo yasebhange, futhi kungani kungenjalo, yezimpahla ezehlukene zezimali ezingenza ukonga kwakho kube nenzuzo kusukela manje kuqhubeke.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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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.