Okunye ukwesaba okukhulu abatshalizimali abanakho manje ukuthi kungaba khona i- ukuphahlazeka okunamandla ezimakethe zokulingana emhlabeni jikelele. Vele, lokhu kuboniswa abanye abahlaziyi bezimakethe abaxwayisa ngengozi yangempela yalokhu kungenzeka. Abanye, ngokuphambene nalokho, abanalo uvalo ekubikezeleni kwabo futhi balinganisela ukuthi ezimweni ezimbi kakhulu, okungakhiqizwa ukulungiswa okuphawulekayo kwamanani wamasheya. Kepha akukho okunye.
Kunoma ikuphi, kungenye indlela eyodwa okufanele uyicabangele. Ikakhulu ukuze ingakutholi ngejubane eliguquliwe futhi ingaveza inkinga engaphezu kweyodwa kubhalansi ye-akhawunti yakho yokuhlola. Akumangalisi-ke ukuthi okuhlangenwe nakho okudala oke wakuthola emakethe yamasheya kungakwenza ucabange ngokuya phambili. Lapho isu elizosetshenziswa lizoba khona gcina ukuphepha ngaphezu kwembuyiselo ongayithola kusukela manje kuqhubeke. Ngoba impela, izigxobo ziphakeme. Akukho okunye, akukho okungaphansi kwemali yakho.
Noma kunjalo, kuzoba lula kakhulu buyekeza uchungechunge lwemininingwane yezomnotho nezitoko zokubona ukuthi kungenzeka yini ukuthi kwenzeke ukuphahlazeka kwamasheya emhlabeni. Kuzoba yindlela eqonde kunazo zonke yokunquma le ndlela ongakunikeza yona utshalomali eminyakeni embalwa ezayo. Futhi ngokususelwa kukho, yakhela iphothifoliyo ekhetheke kakhulu yezokuphepha. Lapho ungalahli imbuyiselo imali engayilondolozwa ngalesi simo esisha
Imakethe yamasheya aseNyakatho Melika ephezulu
Esinye sezihluthulelo zokuchaza ukwehla okukhulu ezimakethe zamasheya kungenxa yokuthi ama-stock indices amakhulu e-United States ukuphakama kwesikhathi sonke. Abayekile ukukhuphuka eminyakeni yamuva. Ngokungenakulungiswa, futhi unokuhamba okuncane kakhulu. Vele, lo mkhuba kuzofanela uphele ngesikhathi esithile. Ukhiye ukushuba kwawo nokuthi uzokhiqizwa kanjani. Uma kwenzeka ngokufika okuthiwa kunzima, noma ngokuphambene nokuphahlazeka, njengoba abanye abahlaziyi bezezimali bexwayisa.
Ngalo mqondo, ama-indices aseMelika azoba yi-thermometer enhle kakhulu ukukala lokhu okungenzeka ukuthi kungaba nokuwa emkhakheni wemakethe yamasheya. Esinye isikhombisi sokubhekana nalesi simo esibi kuzoba yizinyathelo ezizothathwa ngumongameli omusha wase-United States, Donald Trump. Uma into eyodwa icacile ngonyaka we-2017, ukuthi ngeke ibe yindaba kunoma ngubani, ingasaphathwa eyabatshalizimali abancane nabaphakathi. Ithembisa imizwa enamandla ongeke uyiphuthe kusukela ngenyanga kaJanuwari.
Esinye isici okuzodingeka ukuthi sihlolwe ukuqinisekisa lesi simo esisha kumasheya ukuthi indlela i- ukuvela kwamazinga wenzalo ngaphesheya kwe-Atlantic. Hhayi ngeze, kuzokusiza ukukunikeza umkhondo ongajwayelekile wokwenza utshalomali lwakho. Kunoma ikuphi, zizoxhunyaniswa kakhulu nezinga lamandla omnotho waseMelika. Uma kwenzeka ukuphahlazeka kwemakethe yamasheya, abahlaziyi baxwayisa, ukuthi yayizokwenziwa ekuqaleni kwase-US kunasemhlabathini waseYurophu. Ngokwalokhu kubuka, ngeke ube nokunye ongakwenza ngaphandle kokubeka phansi le makethe yezezimali.
Ukuphahlazeka: sala kahle ephusheni laseYurophu
Enye imbangela yokuwa okungenzeka kwezimakethe zamasheya izokwenziwa ngokuqedwa kwenqubo yokuhlanganisa yaseYurophu. Okungenani njengoba kuqondakala kuze kube namuhla. I- udlame lwezepolitiki nolwezenhlalo zingaba ukuphela komgwaqo. Uma kunjalo, bekungeke kwenzeke kakhulu ukuthi izimakethe zamasheya zingalindela ukuhanjiswa okunjalo ezimpahleni eziningi zezezimali. Kufike eqophelweni lokudala ukuwa ezimakethe zezimali. Ama-referendums wakamuva ku- I-Gran Bretaña ne-Italy bekulokhu kuyisexwayiso kuphela sokuthi yini engenzeka kusukela eminyakeni ezayo.
Vele, umbono awuthembisi kakhulu, kanti futhi kuncane kakhulu kubatshalizimali abancane. Bathatha izixwayiso eziningi ngokwengeziwe ekusebenzeni kwabo ezimakethe zezimali. Akunakuphikwa ukuthi lesi simo singaba imbangela yokuwa ezimakethe zezimali ezwenikazi elidala. Okuthi noma ikuphi, futhi ngokungafani neMelika, akuyona ephezulu ngaso sonke isikhathi. Hhayi nakumkhuba ocacile futhi ochazwe kahle njengamanje.
Akumangalisi ukuthi kunokungabaza okukhulu ngesimo sangempela se- Ibhange laseJalimane nelase-Italy. Ukuthi noma ngasiphi isikhathi banganika ukwesaba okubhekwe kakhulu kubatshalizimali abanezikhundla ezivulekile ezimakethe zezimali. Uma kunjalo, bazoba ngomunye wemikhakha esengozini enkulu ekwehleni kwamanani. Ngomehluko omkhulu maqondana nokunye okusele. Ukusuka esimweni esingaba khona, kungaba okunengqondo kakhudlwana ukuba kude namagugu abo. Okungenani esikhathini esifushane naphakathi.
Ukubuyela emuva ekukhuleni komhlaba
Akungabazeki ukuthi kuzoba ngesinye sezici ezibaluleke kakhulu ukuthi lesi simo esibi sigcwaliseke ezimakethe zamasheya. Ngoba empeleni, ukwehla kwamandla omnotho okusha kungadala ukushona okukhulu kubaphathi bomhlaba wonke. Zimbalwa izimpahla ebezingasindiswa kulokhu okwehlukile futhi okumangazayo "okusindisa abangakwazi." Zimbalwa izinkampani ezingazisindisa ekushisweni futhi ngokwengeza bonke abatshalizimali bazo. Ngingabona yehlisa iphothifoliyo yakho emasontweni ambalwa, ngisho nezinsuku uma idatha yimbi kakhulu kunokulindelekile.
Hhayi okuthile ngaphandle kombuzo, njengoba kuphawuliwe ngabahlaziyi bezimakethe zezimali abahlonishwayo. Ikakhulu maqondana nezwekazi elidala, okuyilapho bakha khona i- phonsa izibikezelo ekukhuleni kweYurophu. Kuze kube seqophelweni lokuthi kungenza imakethe yamasheya yaseYurophu igxume ngesikhathi esingalindelekile. Ngalo mqondo, ukuvela komnotho waseChina kungaba ngomunye umthombo wokungazinzi okungathinta izimakethe zokulingana. Eqinisweni, ehlobo lonyaka odlule, imininingwane emibi yomsebenzi wayo wezomnotho idale ukuwa okukhulu ezimakethe zamasheya emhlabeni jikelele. Isexwayiso impela, ngokombono wabanye abahlaziyi bezezimali.
Ukuze bangabanjwa kulo mdlalo kulesi sigaba, ngeke ube nokuzikhethela ngaphandle kokulalelisisa imininingwane enikezwa njalo yizinhlangano eziyinhloko zamazwe omhlaba. I-IMF, i-BMI nezinye izikhungo ngezinye zezikhiphi zayo. Akumangalisi ukuthi bazokunikeza umkhondo ongaphezu kowodwa wokuthi umnotho womhlaba uhambela kuphi okwamanje. Ukuze ngale ndlela, ungene futhi uphume ezimakethe zezimali ngokuya ngomzuzu wokuhlangana.
Izixwayiso ze-gurus zokuhweba
Akukho ukushoda kwezibikezelo ezinye zezazi ezibaluleke kakhulu ezimakethe zezimali ebezizenza. Sekuyiminyaka ethile manje, babhekise eqinisweni lokuthi i- a bubble ezikhwameni cishe cishe wonke umuntu. Akwaziwa noma lawa mazwana avela ezintweni ezithile noma eqinisweni iningi labatshalizimali abancane nabaphakathi abasakwazi ukufinyelela kulo. Kunoma ikuphi, kuzoba yisaba esiphelele ukungenisa zonke izindlela ezidingekayo zokuvikela imali.
Le mithombo efanayo ayizibandakanyi ezinye izimpahla zezezimali ezibaluleke ngokukhethekile kule nhlekelele. Isibonelo, maqondana ne- imakethe yezibopho. Futhi kule mikhiqizo yezezimali kube nesexwayiso esibi nyakenye ngokuwa okubalulekile ngokwenzuzo yabo. Kuze kube seqophelweni lokuthi abaphathi bezikhwama eziningi balahlekelwe yimali eyeqile kulezi zikhundla.
Ngokwalo mbono, elinye lamasu angcono kakhulu ongawathatha ukukhetha i- amanani wokuphephela lokho kugcina ukubekwa kwemali yakho kahle kakhulu. Enye yalezi zimpahla igolide, ebelisebenza kahle kakhulu ezinyangeni ezedlule. Konke isexwayiso ngesimo sangempela sezimakethe zendabuko. Lapho ingxenye enhle yabatshalizimali iphambukisa ukonga kwabo. Kuzoba ngenye yezindlela ongazihlola ukwenza iphothifoliyo yakho yokutshala imali ngonyaka ozayo.
7 okhiye basinde
Vele, ubudlelwano bakho nezwe lokutshala imali ngeke lube lula kusukela manje kuqhubeke. Noma okungenani njengokuzivocavoca okwedlule. Le yinto okufanele uyicabange ngokushesha okukhulu. Izokusiza ukuthi ulondoloze imali yakho futhi uthuthukise nezimbuyiselo ongazithola kusukela manje. Ukwenza lula lo msebenzi, akufanele uphuthelwe amanye amathiphu ukuze usinde.
- Impela kufanele ucabangele isimo lapho bangakhula khona ukwehla okuphawulekayo kwamanani. Lokhu kungenzeka kakhulu kwenzeke kanjena.
- Izimali zakho kufanele zibe beshesha kakhulu futhi ukwenze ngaphansi kwesikhashana esifushane kakhulu unomphela ukuze ungakwazi ukubambeka ezikhundleni uma kwenzeka isimo esingesihle.
- Kuzonconywa kakhulu ukuthi ukhethe amanani aphephile nokuthi banamazinga amahle okukhokha. Kuzoba isu elisebenza kahle kakhulu ukugwema ukucasuka kakhulu kunesidingo.
- Ukungabikho ekuhwebeni akuwona umqondo omubi futhi. Kungakusiza nokuthi usebenzise lonke ulwazi lwe- amathuba ebhizinisi ezinikezwa ngamanani.
- Kulula kakhulu lokho hlukanisa izimali esikhundleni sokugxila kunani elilodwa emakethe yamasheya noma kwezinye izimakethe zezezimali. Uzogwema ezinye izingozi ekunyakazeni kwakho.
- Ungazami phuthuma izikhundla zokuwina, kepha kufanele wazi ukuthi ungathatha kanjani umhlalaphansi ngesikhathi. Ukukuvikela ekungeneleleni okungenzeka ezimakethe zezezimali.
- Awucabangi lokho nangaphansi kwanoma yiziphi izimo ukusebenza kweminyaka edlule kufanele kuphindwe kusuka manje. Lokhu akwenzeki ngaso sonke isikhathi, ngoba lokhu kungamanani futhi akulungisiwe. Ukufika ezingeni lokuthi ungakwazi ukuhlanekezela izinhloso ozibekele zona kumasu akho.