Kukhona isici semali esicatshangwe yibo bonke abatshalizimali, ikakhulukazi ezinhlelweni zobuphekula. Yilowo obhekise eqinisweni lokuthi imali enkulu ayinayo imizwa. Ilawulwa ngamapharamitha ahluke ngokuphelele lapho kutholakala khona olunye uchungechunge lweminikelo. Njengomphumela wokuhlaselwa kwamaSulumane emhlabeni wonke, izimakethe zokulingana ziyabonakala thonyiwe phansi njalo lapho kwenzeka enye yalezi zehlakalo ezehlukile.
Kuyaziwa kubo bonke ukuthi ukuhlaselwa kuholela ekwehleni okubonakalayo kwezimakethe zamasheya emhlabeni wonke, noma kungaphansi kwamaphesenti ateleka kakhulu. Kepha ongase ungazi kunezinombolo ezithile ze- amanani ezingathobeli lo mthetho wenye yezimakethe zezimali. Kepha baziphatha kolunye uhlangothi. Ukugcwalisa leyo nsolo yakudala emakethe yamasheya ekhomba ukuthi ngisho nasezimeni ezimbi kakhulu kuhlale kunamathuba ebhizinisi.
Ngoba empeleni, kunochungechunge lwezokuphepha kanye nemikhakha yamasheya akhulisa amasheya awo njalo lapho kwenzeka lezi zici. Ngokuqinisekile kuzofanele ubazi ukuze basebenzise lesi simo futhi wenze ukonga kube nenzuzo ngisho nasezimweni ezicindezela kakhulu. Kungahle kungabi ngokuziphatha noma ngokuziphatha, kepha phela izimakethe ziyizimakethe. Ziqondiswa kuphela inani lemali. Akukho okunye.
Ubuphekula: yimaphi amanani azuzayo?
Ngemuva kokuhlaselwa okukhulu kwamaphekula, cishe yonke imali iyancipha. Kepha kukhona abanye babo abangakwenzi lokho, kuphambene impela. Sizokunikeza ukuthi yiziphi eziqoqa lo mkhuba wokufuna ukwazi. Okokuqala, zonke lezo ezihlobene imboni yezikhali kanye nezinsizakalo zokuphepha zikazwelonke. Ukubuyekezwa kwabo kuyamangalisa ngempela, baze bakhuphuke ngokubhonga kulezi zimo ezinzima.
Kodwa-ke, kuzoba nzima ngawe ukuthatha lokhu kuthengwa kwamasheya ngoba iningi lalezi zinkampani zitholakala ngakolunye uhlangothi lwe-Atlantic. Ngokuqondile ku usa stock exchange ngenkomba yayo eyinhloko, iDow Jones. Azikho iziphakamiso eziningi, kepha zanele ukwenza izimpahla zakho zizuze ngaleli su lokutshala imali eliyingqayizivele. Banokunyuka okuphawulekayo emanani abo okuthi kwezinye izimo kungasondela kumazinga ayi-10%.
Ngaphakathi kwamasheya aseYurophu kukhona nokuvikeleka kwalezi zici, kepha kunqunyelwe kokunikezwayo kwabo. Kuzofanele uye ekuhwebeni kwamasheya aseJalimane noma eFrance ukwanelisa lezi zifiso zokutshala imali emalini. Ngokuziphatha okunamandla kakhulu kulezi zimo zemphumela omuhle wamazwe omhlaba. Bajwayele ukuthatha izikhundla kuzo lapho lezi zimo ezibaluleke kakhulu nemiphumela yomhlaba wonke zivelile.
Izinkampani zonogada
Ingenye yemikhakha emikhulu eqoqa ukwanda kwamanani azo njalo lapho kuhlaselwa kwalezi zici. Incazelo yakhe ilula kakhulu, ngoba amabhizinisi akhe ahlobene kakhulu nokwanda kwe- izinyathelo zokuphepha ngemuva kokuthuthukiswa kwalezi zimo zamaphekula. Ngenxa yalokho, umsebenzi wayo uyakhula ngesidingo esikhulu sezinsizakalo zawo. Ngale ndlela, intengo yamasheya ayo iphendula kumthamo womsebenzi owenziwe kulezi zimo.
Okunye kokubi kokukhetha le modeli yokutshalwa kwezimali ukuthi iziphakamiso zayo azikho ngokweqile. Okungenani uma kukhulunywa ngamasheya aseSpain. Ngamanani ambalwa asendaweni angaphenduli kunesidingo sokutshalwa kwemali ngabasindisa. Ngeke ube nokhetho ngaphandle iya kwezinye izindawo zomhlaba wonke ukwanelisa izifiso zakho. Ikakhulukazi imakethe yamasheya yase-United States, okuyiyona enikezwa okunamandla kakhulu futhi okuhlukahlukene.
Hlala kwezinye izimpahla zezezimali
Uma kwenzeka esinye salezi zimo, awudingi ukuphendukela kwizimali. Unezinye izindlela ezisikisela kakhulu ukwenza ukonga kube yinzuzo. Futhi phakathi kwazo lokho kwempahla ethile yezezimali ethokozisayo. Enye yezintandokazi zokuthatha izikhundla yi- oro. Akumangalisi ukuthi isebenza njengendawo ephephile njalo lapho kwenzeka le micimbi.
Incazelo kufanele ifunwe ngokwesaba imali efuna indawo yokuhlala ezimakethe eziphephe kakhulu. Futhi leyo enensimbi ephuzi impela injalo. Kunabatshalizimali abaningi abasebenzisa lezi zikhathi zokudideka ukuthatha izikhundla kule nsimbi eqondile. Empeleni amanani abo avuselelwa ngamandla athile. Ukuba ngenye yezindlela onazo ukuze usebenze ngempumelelo ezimakethe zezezimali.
Kodwa-ke, kunconywa ukusebenza okucacisiwe kakhulu futhi kungapheli ngokweqile. Lokhu kungenxa ye- ukungajwayelekile okuhlinzekwa izingcaphuno zabo. Ngezinye izikhathi ngokungazethembi okwedlulele okwenza kube nzima kakhulu ukwenza isu lokutshala imali. Kepha kuyasiza kakhulu ukusizakala ngalezi zimo ezingalindelekile.
Izibopho zaseJalimane naseNyakatho Melika
Le mikhiqizo engenayo engaguquki ingenye yezinto ezihleliwe ukusizakala ngalezi zikhathi zokungazinzi komphakathi. Isizathu salo ngoba yizibopho ezinikeza ukuphepha okukhulu ngezikhathi ezinzima kakhulu. Njengomphumela walesi sici, abatshalizimali abakhulu baqondisa izimpahla zabo kulezi zimpahla zezimali. Ngokuchezuka kwamanye amamodeli wokonga, noma kusuka ezimakethe zezimali.
Inzuzo eyenziwe yile mikhiqizo kulezi zimo iphakeme, kuze kube yilapho uthola amaphesenti athakazelisa izintshisekelo zakho. Kepha futhi ngezinqubo eziqondile kakhulu ngokwesikhathi sabo. Enye indlela okufanele uthathe ngayo izikhundla kulezi zibopho ezisezingeni eliphakeme ngezimali ezihlangene. Unokunikezwa okubanzi kakhulu, nokuthi lihlanganiswe namanye amafa ezezimali. Kokubili imali engenayo engaguquki neguquguqukayo. Njengefomula yokwehlukanisa utshalomali.
Kunoma ikuphi, baba ezinye izindawo zokukhosela ukwenza ukonga kube nenzuzo ngeziqinisekiso ezithile. Noma kungenjalo ngaphandle kokukuqinisekisa ngokusebenza. Njengoba kujwayelekile kuleli banga lemikhiqizo yezezimali. Isu elilodwa ongalisebenzisa uma le micimbi yenzeka ukudlulisela iphothifoliyo yakho engenayo engaguquki kulezi zibopho. Impela uzokwenza kangcono esitatimendeni semali engenayo ukwedlula owethula ekupheleni konyaka ngamunye.
Ukusebenza kwemakethe yezimali zangaphandle
Uma sikhuluma ngezinye izindlela zokutshala imali kwendabuko, awukwazi ukukhohlwa ngezimakethe zemali. Bayazwela kakhulu kule micimbi futhi ukunyakaza kwakhe kushubile kakhulu. Ngale ndlela, uzobe usesimweni sokusizakala ngokushintshashintsha okukhulu kwezilinganiso zamanani abo. Ngethuba elikhulu lokuthi ungathola inzuzo enamandla ezikhundleni ezivulekile kwezinye zezimali zaphesheya.
Kunoma ikuphi, lokhu kuyimisebenzi eyingozi kakhulu ngenxa yejubane lokuhamba kwale makethe. Kuphela uma ujwayele ukuhweba ngezimali ezinkulu zomhlaba lapho uzokwazi ukuvula imali oyongele imali yakho. Yize ngokuqapha okukhulu nokukhawulela iminikelo yezezimali. Ungathola ama-euro amaningi ekuhambeni, kepha ngasikhathi sinye sikushiya ngokungadingekile. Ngenxa yoshintsho kumkhuba ngokushesha okukhulu okukhombisa le mpahla yezezimali.
Kunezinhlamvu zemali okufanele wazi ngazo. Idola laseMelika, i-franc yaseSwitzerland nepondo laseBrithani kuzoba ngezinye zezinto ezibaluleke kakhulu. Ngokunakekelwa okukhethekile ekuweleni kwezinguquko phakathi kwazo zonke. Futhi ngaphansi kokusebenza okusheshayo, cishe ngejubane le-breakneck. Ngabe uzimisele ukwamukela le nselelo ekhethekile? Uma kunjalo, uzoba nezinketho eziningi zokufeza isidingo sakho.
Izindlela zokupheka ezinhle kakhulu ongazisebenzisa
Uma omunye wale micimbi uvela kusukela manje kuqhubeke, ngeke uze ukhethe kodwa ukusebenzisa uchungechunge lwezincomo oluzosiza kakhulu ukufeza impumelelo kulowo nalowo msebenzi. Ezinye kungenzeka usuvele uzazi, kepha ezinye zizoba ngeqiniso, futhi kwezinye izimo zize zibe nezintsha. Ngabe ufuna ukwazi ukuthi ziyini?
- Ukusizakala ngezimakethe ezinhle kakhulu ngeke sibe khona esinye isixazululo ngaphandle kokwenza indlela ye- imisebenzi eshesha kakhulu, esikhundleni sokubashiya izinsuku ezimbalwa ezizayo. Imizuzu embalwa isho imali eningi ekusebenzeni kwezezimali.
- Kuzofanele hlaziya izinga lokuwa uma kwenzeka ushintsho lwecebo lokutshala imali lubonakala lufanelekile. Unokuningi okuphambi kwakho, kepha kuzoncika kuphrofayili oyethula njengomtshalizimali omncane naphakathi.
- Kufanele ubheke ifayela le- amakhomishana lokho kungasetshenziswa kuwe ekusebenzeni. Akusizi ngalutho, ngokuqiniseka ukuthi zizokwanda kakhulu futhi zingenza ukunyakaza okwenzayo ezimakethe ezehlukene zezezimali kubize kakhulu. Futhi nokuthi kuzoba nenzuzo kuwe.
- Ungazami ukukhetha izimakethe ongazazi noma okungenani nalabo abanolwazi oluncane. Kuzohlala njalo kungcono ukuthi ukhethe lezo ozisebenzisa kakhulu eminyakeni eminingi yokutshala imali.