Izimanga eziyisithupha ezingenziwa izazi ngeMagi

amadoda ahlakaniphileyo

Kunezipho eziningi izazi ezizoletha kulo nyaka omusha. Ngeke kusweleke izibopho zakudala, ama-colognes kanye nezizukulwane zakamuva zama-mobiles. Kepha mhlawumbe ongakwazi ukuthi ukuze babe ngabokuqala kancane bazokwazi ukuletha okunye ukumangala kwenzeka kubatshalizimali abancane nabaphakathi. Ukuze ngale ndlela, ubasebenzise ukuze imali yokonga ngendlela elungiselelwe kangcono. Zingaba sezinsukwini zokuqala zikaJanuwari esikhungweni sokusebenza sekhaya lakho.

Impela akukho okunye okuzokujabulisa ngaphandle kochungechunge lweziphakamiso zokuthuthukisa ukusebenza ebuhlotsheni bakho nezwe lemali elihlale liyinkimbinkimbi. Kusetshenziswa cishe izindawo ezintsha kakhulu zokufaka imali itholakalela lolu hlobo lokusebenza. Kwezinye izimo, kuzoba yizipho osuvele uzazi. Ngenkathi ngokuphambene nalokho, kokunye bazoba ngumthombo wezimanga ukuthi kuze kube manje ubungathembelanga ekutshaleni izimpahla zakho.

Lezi zipho ezikhethekile ama-Majesties abo amaMagi azokulethela zona kulokhu zivela emikhiqizweni, hhayi emalini nje kuphela. Kepha futhi nemali engenayo engaguquki ngisho nakwezinye izinhlobo. Kunoma ikuphi, konke kuvumela kakhulu ukuvikela izintshisekelo zakho njengomtshalizimali omncane naphakathi. Ngabe ufuna ukwazi ukuthi yiziphi ezinye zazo nokuthi uzoba yini endaweni yakho yokubasa umlilo ngoJanuwari 6 olandelayo? Yebo, naka kancane ngoba izokunikeza isignali engaphezu kweyodwa ukuze ukwazi ukuthatha isinqumo sakho kusuka manje.

Izazi Ezintathu: uwoyela ezikhwameni zazo

Vele, esinye sezipho ezisikisela kakhulu ezingalethwa yilezi zinhlamvu ezikhethekile ukukhuphuka kwegolide elimnyama ezimakethe zezezimali. Lokhu akunakwenzeka ngenxa yezinxushunxushu ezakhayo emazweni aseMpumalanga Ephakathi. Ikakhulu, ngemuva kokuhamba ebhodini lamazwe omhlaba le I-Arabia saudí futhi lokho kunephuzu lokubhekisela entengo kawoyela. Akumangalisi ukuthi ingenye yezimpahla zezezimali ezingaziswa kakhulu ezinyangeni ezizayo-

Intengo yomgqomo kawoyela okwamanje isenkingeni yamadola angama-50. Kepha uma isimo sishintshiwe kule ndawo, singakhuphukela phezulu sibe ngama- $ 60 noma ama- $ 70 emgqonyeni. Kulokhu, kuzofanela usebenzise ngokunenzuzo lokhu kuhamba ezimakethe zezezimali. Uma ungafuni ukushiya izikwele zasekhaya, inketho ecacile yile I-Repsol. Ukuphepha ku-uptrend futhi okwamanje okuhweba cishe kuma-euro angama-15 ngesabelo ngasinye. Konke lokhu ngaphandle kokuthi kudlula isikhathi sokulungiswa ngamanani aso.

Ungatshala kanjani uwoyela ongahluziwe?

okungcolile

Noma kunjalo, unezinye izindlela zokutshala imali kule mpahla yezezimali ebalulekile. Elinye lamaqhinga alula lenziwa ngokusemthethweni ngokusebenzisa i- izimali zokutshala izimali ezisuselwa kulo mthombo wamandla. Ngaphezu kwalokho, ukuhlanganiswa nezinye izimpahla zezezimali, kukuvumela ukuthi uhlukanise utshalomali. Ukuze ngale ndlela, ukwazi ukuzivumelanisa nazo zonke izimo zezomnotho. Ngisho nokungathandeki kakhulu ngengxenye enhle yezimakethe zezimali. Kuzoba yindlela ewusizo kakhulu ukuvikela izikhundla zakho kuleli banga lemikhiqizo yezimali.

Enye indlela ukwenza i-ETF ibe semthethweni ebheka le mpahla ekutshalweni kwezimali. Uma lesi kuyisipho amadoda amathathu ahlakaniphile azosishiya endlini yakho, kufanele wazi ukuthi indlela enobudlova yokwenza ukonga kube nenzuzo. Yize ngokuphambene nalokho, kuyacabanga amakhomishini ancintisana kakhulu maqondana nezimali ezihlanganyelwe kanye nokuthengwa nokuthengiswa kwamasheya ezimakethe zezimali. Ngenzuzo ongayikhetha ezinhlotsheni ezahlukahlukene ezihlangabezana nalezi zici. Yize kulokhu kuzofanela uye ezimakethe zezezimali zomhlaba wonke.

Ama-bond amanye amazwe angaphandle

Vele, le mikhiqizo ingaba ngesinye sezimanga zango-2018. Kulezo zibopho ezivela emazweni ahlangabezana nokuthuthuka okuphawulekayo emsebenzini wawo wezomnotho. Esinye salezi zibonelo simelwe ngu Portugal. Izwe eselivele libhekene nesiphambano kumininingwane yalo yezomnotho efanelekile. Futhi lokhu kuzohumushela ekuthuthukisweni kwamabhondi amaPutukezi, ngamandla amakhulu wokubuyekeza kusuka manje. Kuze kube seqophelweni lokuthi abakwazi ukulahleka kuphothifoliyo yakho yokutshala imali.

Ngaphakathi kwalesi sigaba semikhiqizo engenayo engaguquki, kufanelekile nokubheka izibopho zamaGrikhi. Akumangalisi ukuthi bangakwazi ukukhiqiza injabulo engaphezu kweyodwa kubatshalizimali abancane nabaphakathi kulesi sikhathi. Noma kunjalo, kuyi- ukusebenza okuthwala izingozi eziningi ukwedlula abanye. Ngenxa yezici ezikhethekile zalesi sizwe se-European Union futhi lokho kuholele ezinkingeni ezinkulu kubaphathi bezomnotho. Uma lesi kuyisipho amaMagi akunikeza sona, unganqikazi ukusamukela, noma kungenjalo ngaphandle kokungabaza okuthile.

I-Russia Stock Exchange njengenketho

i-russia

Ngokungangabazeki, enye yezimanga ezingaba khona kulo nyaka omusha kungenzeka kube nezinkampani zamasheya zaseRussia. Isizathu ngoba bekulokhu kwehliswe kakhulu eminyakeni eyedlule. Ngalokho inamandla angaphezu kokumangalisa wokubuyekeza. Ukufika ezingeni lokuthi abambalwa abahlaziyi bezezimali abathembela ukuthi kungaba yi-protagonist yezinyanga ezizayo. Ngenzuzo engakwazi ukuqoqa amadijithi aphindwe kabili. Ngethemba elihle lezinyanga ezimbili ezizayo.

Ngakolunye uhlangothi, izimali zaseRussia zinezinkampani ezahlukahlukene kuxhunyaniswe nezimpahla zezimali zamandla. Kulesi simo, maningi amathuba onawo ngalesi sikhathi wokutshala imali yakho ochungechungeni lwezibambiso ezinenzuzo enkulu. Yize kungenzeka zingaziwa ngokusobala kuyo yonke imibono yokubuka. Awukwazi ukukhohlwa ukuthi lesi sikhwama ngokusobala asilutho uma kuqhathaniswa nezinye izimakethe ezwenikazi laseYurophu. Kule midlalo kunemali eningi ongayithola ngalezi zikhathi.

Umkhakha webhange jikelele

Amabhange aseYurophu nawo angakunika injabulo engaphezu kweyodwa kusukela manje kuye phambili uma kungezinye zezipho amadoda amathathu ahlakaniphileyo aziphatha emikhwameni yazo. Ngoba yize kube ngomunye wemikhakha emibi kakhulu kulo nyaka, ukuthambekela kwayo ku-2018 kungaguqulwa kuze kube yilapho iba ngomunye wemikhakha ehamba phambili. Yize kunjalo ukuze ungenzi amaphutha ngeke ube nenye indlela ngaphandle kwalokho khetha kakhulu ekukhetheni kwakho. Ngokusebenzisa izinhlangano ezinemiphumela yebhizinisi ehamba phambili ezindaweni zokuhlala.

Ngokombono, kufanele kukhunjulwe nokuthi amabhange maningi amathuba okuthi athuthukise ukuphakama okunamandla uma ukuthambekela okujwayelekile kwezimakethe zezezimali ku-bullish. Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi basabalalisa izabelo ezinhle kakhulu kubo bonke abaninimasheya. Ngokuthola imali engaguquguquki futhi eqinisekisiwe njalo ngonyaka. Ukuze ngale ndlela, ube nesilinganiso senzalo esiseduze no-5%. Ngaphezu kwalokho, yingxenye yebhizinisi eletha isaphulelo esiqinile kuzintengo zayo ngoba ngamanani athokozisa kakhulu izintshisekelo zakho njengomtshalizimali omncane naphakathi.

Inzuzo eningi kumadiphozithi

dinero

Ezinye zezindaba ezingabonakala kulo nyaka omusha ukwenyuka kwenzalo yentengo yemali yiziphathimandla zezimali zomphakathi. Isipho amadoda amathathu ahlakaniphile angakunika sona ukuthuthukisa imali yakho. Ngoba umphumela wayo uzodluliswa ngokushesha kufakwe kuma-term deposits. Ngoba impela, kuzokhuphula ukusebenza kwakho maqondana namazinga abo amanje. Uma unephrofayili evikela kakhulu noma elandelanayo, lesi kungaba yisikhathi sokuqasha lo mkhiqizo wemali engaguquki.

Izintela zizokusiza ukuthi wakhe isikhwama sokonga esizinzile. Futhi lokho kuzothuthukiswa ngamadiphozithi ephromoshini azoba ngaphansi kwezimo ze ukufinyelela amazinga afinyelela ku-3%. Ngaphandle kokubeka engcupheni izikhundla zakho nganoma yisiphi isikhathi, noma uzixhumanise nezinye izimpahla zezezimali. Ngenzuzo ebalulekile yokuthi kwamanye amamodeli ungathola izimbuyiselo ngaphambi kwesikhathi. Semiannual, ngekota noma ngonyaka, kuya ngomklamo ngamunye owethulwe yizikhungo zezikweletu. Nomaphi lapho kwenzeka khona konke uzoba nemali engaguquki ezoya ku-akhawunti yakho yokuhlola.

Ama-term deposits, ngakolunye uhlangothi, awanalo uhlobo oluthile lwamakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni kwawo. Ngokunikezwa okubanzi yizo zonke izinhlangano zebhange ezisebenza eSpain. Kusuka kumadiphozithi ajwayelekile kuya kuleyo enzuzo ekhulayo, phakathi kwezinye izinhlobo zale mikhiqizo yezezimali. Ngakho-ke ungaphumula ngaphandle kwanoma yiluphi uhlobo lokukhathazeka. Lezi ngemuva kwazo zonke ezinye iziphakamiso ezifanele kakhulu kulo nyaka ezizoba sencwadini oyenza kumakhosi amathathu abelindelwe. Ngokuqiniseka konke ukuthi uzokwaneliseka ngokufunwa kosuku olukhethekile futhi lapho ukukhohlisa kuzoba khona kuwo wonke amakhaya aseSpain.


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.