Ngokufika konyaka omusha, okulindelwe kuyavuselelwa ukuze unyaka omusha ube nezithelo ngokwengeziwe ngokusebenza kwemali oyongile. Impela ufuna ukuthuthukisa amamaki weminyaka edlule, uze uthole nemali engenayo ngesikhwama esigcwalisa umholo wakho. Kuzoba umsebenzi onzima kakhulu ukufeza njenge izimakethe zokulingana bakhombisa ukuncipha emazingeni abo ekhotheshini okuxwayiswa yingxenye enhle yabahlaziyi bezezimali. Ngonyaka odlule, i-Ibex 35 isivele idumazile ama-saver amaningi, ngokungadluli umkhawulo wamaphoyinti ayi-10.000, okubala ukwehla okuncane kulesi sikhathi.
Amathemba wokufeza izinhloso zakho ezimakethe zezimali empeleni adlula ekuguqukeni okugculisayo okulingene kwama-indices abo amakhulu. Ngalo mqondo, izibikezelo zochwepheshe zinikeza isilinganiso esilinganisiwe sokubuyekeza esizungeze u-5% noma u-10% ezimakethe zamasheya zase-Europe. Futhi akudingeki unake kakhulu lezi zibikezelo, ekugcineni ezingaze zivumelane neqiniso, okuyizinto ezimakethwayo ezimakethe. Vele, noma yibuphi ubunzima bungawa phansi amathemba akho alo nyaka.
Kodwa-ke, kunento eyodwa ecacile uma ufuna ukwandisa imali oyongele le nkambo entsha yemakethe yamasheya, nalokho uma ufuna ukuthola inzuzo engcono, kufanele ubeke engcupheni kakhulu ekusebenzeni kwakho. Futhi ayikho enye indlela yokuthi izifiso zakho zigcwaliseke ngaphandle kokuya kwizimali. Yize ngokuqinisekile kuzodinga imizamo emikhulu kunakwiminyaka edlule. Futhi njalo ngaphansi kwesincomo sokuthenga ngezindlela ezanele zokuvikela ukuzibandakanya ezimeni ezingafuneki ezimakethe zezezimali.
Ngokuqiniseka konke, ukuthi uzobhekana nonyaka omusha ngemibono evuselelwe, ngokungangabazeki, kodwa Noma isiphi isigameko singaphazamisa ukulindela kwakho kokuvuselela izimpahla zakho ngomunye unyaka. Akumangalisi ukuthi iminyaka yamuva ibe nethemba elihle kulolu hlobo lotshalo-mali, ngokubonga okukhulu kumanani ezokuphepha ezinkulu ezikhona ezimakethe zamasheya. Ezimweni eziningi ngamadijithi amabili. Ngaphezu kwalokhu okukunikezwa yimikhiqizo yasebhange engaguquki, okungajwayelekile kudlule u-2%.
Ngabe lo nyaka uzoba kanjani ekutshaleni kwakho?
Kungenzeka kungakhuli ngendlela obulindele ngayo, futhi noma isiphi isigameko singaphazamisa izibikezelo ozihlelile. Kusukela ekubonakaleni kwempi entsha (noma efihlekile) yezempi, ekuthini kungenzeka ukuthi umnotho omkhulu womhlaba uphinde ungene esikhathini sokwehla kwamandla omnotho. Imicimbi yezomnotho kunzima kakhulu ukuyibikezela, futhi noma yikuphi ukwehluka kuyo kungadlala ngawe ngo-2016. Kulula ukuthi ubacabangele ukuze bangaphoxeki kakhulu.
Ukuze ucace ngokusobala ukuthi kungakulimaza kakhulu kutshalomali lwakho, kunezigameko eziningi, hhayi ezomnotho kuphela, kepha nezenhlalo kanye nezepolitiki ezingakulimaza ezinyangeni ezizayo. Okuningi kuzoba nzima kakhulu ukukufeza, kepha okunye kungavela noma kunini, ngokunembile lapho ungalindelanga khona.. Lesi yisikhwama. Futhi kungakuhle ukuthi ukubhekisise ukuhlela utshalomali lwakho ngalesi sikhathi, ngaphambi kokuba kwethulwe kusuka manje kuqhubeke. Kunama-euro amaningi asengozini.
Isigameko sokuqala: Inkinga yamaShayina ingathatha umonakalo
Bekuvele kunesixwayiso esinamandla ngehlobo eledlule ukuthi ukwehla komnotho waseChina kungathinta amazwe aseYurophu, kanye ne-United States. Hhayi ngeze, ukuthunyelwa kwaso kanye nokungeniswa kwaso kuncike ekuguqukeni komdondoshiya wase-Asia. Futhi yonke idatha ye-macroeconomic eyaziwayo kuze kube manje iyathinta, kulokho ku Esikhundleni sokufika kancane, okwenzekayo inkinga egcwele ngokuphelele, okuzothinta kuqala izimakethe ezisafufusa.
Uma lokhu okulindelwe kuqinisekisiwe, maningi amathuba okuthi izimakethe zamasheya zizokulanda futhi zithole ukwehla okuqinile kwamanani azo. Futhi lokho kungaba ngobukhulu obukhulu ngokuya ngemiphumela yedatha eyinhloko yezomnotho kuma-akhawunti abo kazwelonke. Kuzoba yisimo esingesihle sezintshisekelo zakho, okufanele usicabangele lapho uhlela utshalomali lwakho. Impela kuzoholela ekulahlekelweni ezikhungweni ezinkulu zezezimali emhlabeni wonke ezinyangeni ezizayo, noma ngabe kunobudlova obungatholakali eminyakeni yamuva.
Isigameko sesibili: ukuvuselelwa kwezinkinga zomhlaba omusha
Uma okuthile kungathonya kabi izimakethe zamasheya ezinyangeni ezizayo, akunakuqhamuka kokunye ngaphandle kokwehla komnotho kwezinjini eziyinhloko zokukhula komhlaba. Sekuvele kunezimpawu zokuthi lesi simo singavela futhi, futhi abanye abahlaziyi abadumile babikezela ukuthi ukusikeka kwakamuva ezimakethe zamasheya kungumphumela walesi simo. Ukuqinisekisa leyo axiom yakudala enquma ukuthi izimakethe zilindela izimo zezomnotho.
Sitshale kabusha lesi simo sokuqagela samanani, kungasho ukuthi izinkomba zayo ezimele kakhulu zizolungisa amazinga azo ekhotheshini, ngisho nokubayisa emazingeni angaziwa eminyakeni emihlanu edlule. Ukungena empandeni, umkhuba owavela enkingeni yango-2008. Futhi uma kunjalo, abatshalizimali ezikhundleni zabo bazobona ukwehla okukhulu kwamanani amasheya abo, ikakhulukazi emikhakheni efana nezezimali, ezokwakha kanye nalezo ezihlobene nezinto zokusetshenziswa.
Isigameko sesithathu: izinkinga nge-euro
Imali eyodwa yaseYurophu ngokungangabazeki izobhekwa eduze kulo nyaka ngenxa yokuxhumana okuqinile nemicimbi engahle ivele. Ezinkinga ezingase zivele kwezemali eGrisi, zizongezwa - ezintsha - njenge ukusimama kwezepolitiki okungenzeka kwabanye babalingani bomphakathi: IJalimane, iFrance, iGreat Britain neSpain, ikakhulukazi.
Kokunye kudalwa ukubonisana okuzokwenzeka kulo nyaka emazweni amaningi kulawa. Ilungele ukhetho lomthetho (iSpain neFrance), noma ngezinqubo zokubusa kwi-European Union (eNgilandi). Ngaphandle kokukhohlwa, yiqiniso, ukungazinzi okungenzeka kuhulumeni waseJalimane okungagcina kuthinte izimakethe, futhi ngendlela embi kakhulu.
Isigameko sesine: imiphumela yebhizinisi ingaphansi kokulindelekile
Awekho amazwi ambalwa anegunya kakhulu axwayisa lokho imiphumela yebhizinisi kulo nyaka wezimali omusha ngeke ibe njengoba bekulindelwe, futhi kungahle kube nokulungiswa okuthile kuyo. Ngenxa yokuma emsebenzini walezi zinkampani. Ngisho nemiphumela engezansi kwaleyo elindelwe ngabalamuli abakhulu bezezimali. Kungaba uphawu olucacile ukukhombisa ukuthi izimakethe zamasheya ngeke ziqhubeke ngendlela efanayo naleyo eyedlule.
Naphezu kwakho konke, kuzoba isikhathi sokuthatha izikhundla kulawo masheya ahlangabezana nokulindela kwakho ukukhula. Futhi lokho kungabeka indlela yokuthi abatshalizimali abancane nabaphakathi bakhethe iphothifoliyo yabo yokutshala imali. Akumangalisi ukuthi ingesinye sezihluthulelo zokwandisa imisebenzi yesikhathi esizayo kulesi sikhathi sokungaqiniseki okungaka.
Isigameko sesihlanu: ukukhuphuka kwentengo kawoyela ongahluziwe
Yize ukuvela kwentengo kawoyela kwehle kakhulu kunonyaka ophelile, kusuka kuma-80 kuye kuma-35 amadola umphongolo, akusho ukuthi lo mkhuba uzoqhubeka ezinyangeni ezizayo. Kungaphezulu, ukwanda kwalo kungaba kubi ngokwedlulele ngenxa yezingxabano ezikhula endaweni yabakhiqizi bayo abakhulu. Futhi lokho kungaholela ekutheni amanani abo akhuphuke ezikhundleni, okungenani kube umgoqo wama-dollar angama-60 noma angama-70.
Noma kunjalo, okuluhlaza okwehlayo okwamanje akutholakali kahle ezimakethe. Ikakhulu ngoba besaba ukuthi bazoholela esimweni esibi sokwehla kwamandla emali eminothweni eminingi emikhulu yomhlaba, ikakhulukazi eyaseYurophu. Kunoma ikuphi, ngengozi yokuthi ama-stock indices akhombisa lesi simo esiyingozi emnothweni jikelele.
Isigameko sesithupha: izehlakalo zokunyuka kwezinga e-United States
Noma kukuncane, kuyinkinga engakhuphula umkhuba wezimakethe zamasheya, uma iFederal Reserve yase-United States iphrinta ithoni enolaka ngokwengeziwe ekukhuleni kwamazinga wenzalo avele aqala ekupheleni konyaka wezi-2015 ngokukhuphuka kwekota lephuzu. Futhi ngemuva kweminyaka eminingi ngentengo yemali ishibhile kakhulu, cishe emazingeni omlando iminyaka eminingi.
Noma ikuphi ukuphambuka kusuka ezilinganisweni ezisunguliwe kungasetha inkambo yezimakethe zokulingana isikhathi eside kakhulu.. Kusukela kulesi simo sokuhlangana, ukubekwa kwalonyaka kwabalamuli bezezimali kugxile ezimakethe zamasheya zaseYurophu, lapho zinikeza khona amandla amakhulu okubuyekeza, ngaphezu kwezimakethe ezingaphesheya kwe-Atlantic.
Isigameko sesikhombisa: naka icala elithile laseSpain
Okokugcina, akumele sikhohlwe ukuthi leli lizwe lomphakathi libhekene nani enqubweni yalo yokudidiyela yokwakha uhulumeni, ngenxa yokhetho olwedlule lwezomthetho olwabanjwa ngoDisemba odlule. Okwenzekayo ukwakha uhulumeni kuzoncika - kakhulu - ekuguqukeni kwezimakethe zezimali. Kulokhu kubhekiswa kubhentshimakhi kazwelonke.
Noma kungenzeka ukuthi inqubo yokhetho izophindwa kulo nyaka, nokuthi ngeke ibe nomthelela omuhle kubatshali zimali. Noma ngabe ikuphi, kuze kube yilapho le ndawo yezombusazwe ehlanganisiwe icaca, Unenye indlela yokuya kwezinye izimakethe zamasheya ezingqubuzanayo, okungenani phakathi nezinyanga zokuqala zalo nyaka. Impela kuze kube kutholakala isisombululo esicacile sokuthi ngubani ozobusa eSpain eminyakeni emine ezayo. Noma mhlawumbe kuncane, uma kunokhetho jikelele lokuqala, noma zingakapheli izinyanga ezimbalwa ezizayo.