Yiziphi izingwegwe ezisetshenziswa yibhange ukugcina amakhasimende alo?

okunikezwayo kumakhasimende

Akuzona izikhathi ezinhle zokutshala imali, ingasaphathwa eyokonga amakhasimende asebhange. Ungomunye wemiphumela yemali eshibhile eyenziwe yizinhlaka zemali ze-European Union, ezehlise inzalo yaba ngu-0%, emcimbini ongakaze ubonwe emlandweni emashumini eminyaka amuva nje. Umphumela wokuqala uzwakale emikhiqizweni eyenzelwe ukonga (amadiphozithi, ama-akhawunti, amanothi ezethembiso zasebhange, njll.) Abone ukuthi abuyele kanjani nciphisa amamaki wakho wokuhweba. Okwamanje kunzima ukuthola imodeli enalezi zici ezinikeza isivuno esingaphezulu kuka-0,50%.

Izinto azingcono kakhulu ekutshaleni imali. Zikhathi zonke kunzima kakhulu ukusebenzisa kahle ukonga. Ukungaqiniseki okuningi okuthinta izimakethe zezezimali kubangela ukuthi inzuzo yehle. Ngisho namazinga engcuphe angalimaza izikhundla ezivulwe ngabatshalizimali abancane nabaphakathi. Ezinyangeni eziyisithupha zokuqala zalo nyaka, isilinganiso sezinkomba zomhlaba wonke sehle ngo-2%.

Kulesi simo esingenomvuzo, kunamathuba ambalwa futhi ambalwa kubasebenzisi bebhange abazama ukuthola ukuthuthuka okucacile kubhalansi yezimpahla zabo. Banamasu kuphela wezikhungo zezezimali eziklame uchungechunge lwezenzo inhloso yazo enkulu gcina amakhasimende akho aphezulu. Futhi ongasizakala kusukela manje kuqhubeke, uma ukhombisa ukuqondana kwezinto ezindleleni zala mabhange.

Izimali eziqinisekisiwe

imali eqinisekisiwe

Lesi sigaba semikhiqizo singesinye sezibhengezo eziyinhloko amabhange awanikezayo ukuze abasebenzisi bahlale kwinethiwekhi yabo yezentengiso. Kususelwa isu elilula kakhulu, eliqala ngokunikezwa kwembuyiselo encane, futhi okuqinisekisiwe kuzo zonke izimo. Ukuheha okukhulu kwalezi zimali ukuthi ayikho i-euro yokonga elahlekile. Ukunikela ngenani lenzalo eliphakathi kuka-1% no-3% ngonyaka. Kuzo zonke, banesikhathi eside ngokweqile sokuhlala, okungajwayelekile ukudlula iminyaka emihlanu. Ihloselwe iphrofayili yamakhasimende echazwe kahle kakhulu: asebekhulile, enesikhwama esikhulu sokonga, futhi ngubani ozivikela kakhulu ezindleleni zabo zokutshala imali.

Bajwayele ukuba ngenye indlela kumamodeli amakhulu wokonga amakhasimende. Akumangalisi ukuthi kuya kuba nzima ukwenza ngcono ukusebenza kwama-akhawunti amanje. Lokhu kwenzeka kuphela nge- ama-akhawunti wesivuno esikhulu, futhi ngakolunye uhlangothi ezilinganisweni ezifuna kakhulu. Uma kusetshenziswa womabili amasu, abaphethe le mikhiqizo yasebhange bangafinyelela ku-2% barrier, ngisho nangaphezulu ngeziphakamiso ezinolaka kakhulu zamabhange.

Ukuvela kwamadiphozithi esitolimende akuhlukile kakhulu kulezi zindlela. Kwakhe isixhumanisi nezinye izimpahla zezimali Ngenye yamathuba ambalwa avulelwa unyaka nonyaka ama-akhawunti wabasebenzisi akhombisa ibhalansi evuselelayo. Ukuxhumeka okukhulu nesikhungo sezezimali, ngakolunye uhlangothi, kuzoba ngenye indlela ongayithatha uma ufuna ukuthi bakunikeze imbuyiselo enkulu kune-1%. Futhi njengenketho yokugcina kuhlale kunesisetshenziswa sokwandisa imigomo yaphakade, kusuka kumamodeli wokonga kusuka ezinyangeni ezingama-24. Yize ngokuthakazelisa okungcono kakhulu akusithandi ngokuphelele.

Imikhiqizo yokonga

Ukuvimbela ukundiza kwamakhasimende, amabhange akukho okunye angakwenza ngaphandle kokuwanikeza ezinye izinzuzo. Futhi ukuthi ezimweni eziningi kudlula ukususwa okuqondile kwamakhomishini nezinye izindleko ekuphathweni noma ekugcineni kwawo. Ziyanda ngokusebenzisa umnikelo wamanje webhange, nalokho kuhambisana nezinye izinyathelo ezihambisanayo. Phakathi kwazo kudonswa ngqo imali ekhokhwayo (noma impesheni) nezikweletu zasekhaya eziyinhloko (amanzi, ugesi, igesi, njll.). Ukufika ezingeni lokuthi babuyisa kuze kufike ku-3% wamanani akhokhelwe ngaleli qhinga.

Izinyathelo zokwenza le mikhiqizo ihehe kakhulu zifinyelela ngisho nasezipho zezipho eziyela ngasocansini ngenhloso yokwethembeka ebhange. Hhayi ngenye injongo ngaphandle kokuya kokunikezwa komncintiswano. Futhi lapho benganqikazi ukukhiqiza imali enenzuzo enkulu kakhulu, engafinyelela emazingeni ama-5% kwesinye isiphakamiso esithile.

Esinye isisusa sokwenza ngcono ukusebenza kwama-akhawunti kanye nokufakwa kwemali lula ukuqashwa kwakho ku-inthanethi. Ukuba lula kwefomethi kuhlanganiswa ngalesi sikhathi ngokwenyuka komholo wabo. Kodwa-ke, ngeke kube yinto ekhangayo, kepha kuphela izishumi ezimbalwa ngaphezulu kwezilinganiso zayo zokuqala. Noma, noma kunjalo, kuyisinyathelo esisetshenziswa kakhulu ngamabhange.

Izibopho zebhizinisi

Ukushoda kwenzuzo emikhiqizweni yokonga nokutshala imali evelele kakhulu kuholela ekuphambukisweni kweminikelo ebhekise kumamodeli amasha kakhudlwana wamakhasimende, futhi mhlawumbe kwesinye isimo esithile futhi esasekuqaleni. Yizibopho zenkampani, ezinikezwa yizinkampani ukuze kuzuzwe ukubuya okumaphakathi kwe-2%. Inkinga enkulu ethintekayo ekuqashweni yilokho kuzodinga isikhathi esithe xaxa lapho behlala khona, phakathi kweminyaka emi-3 nengu-5 lapho kuzofanele ugcine imali oyigcinile ingasebenzi kuze kube usuku lwayo lokuphela.

Ukunikezwa kwalolu hlobo lwezibopho kubanzi kakhulu, evela kuyo yonke imikhakha yebhizinisi (izimoto, ezokuxhumana ngocingo, ezemithi, ukudla, njll.). Kuphakanyiswa njengenye indlela emikhiqizweni esindisa impilo, futhi lapho ungadumazeka ngokungakhangi kwemiklamo eyenziwe ngomumo. Ukufika ezingeni lapho ungakhetha phakathi kwezimali eziningi zokutshala imali ezisuselwe kule mpahla yezezimali, okungukuthi, amabhondi ezinkampani.

Iphothifoliyo yesikhwama sokutshala imali

izipesheli zokutshala imali

Uma ungafuni ukwenza impilo yakho ibe nzima ngokweqile, ngeke ube nokunye ongakwenza ngaphandle kokuya ezikhwameni zokutshala imali. Hhayi ngeze, ungakwazi thola isikhwama semali esiqinisekisiwe. Izokunikeza ukubuya okuncane, kepha lokho ungathembela minyaka yonke. Ukukhulisa amamajini kuzodingeka uthathe izingozi ezinkulu, ngokusebenzisa izimali zokulinganisa ezilinganiselwe, noma okungcono, ngezimali ezixubekile. Lezi zokugcina zihlanganisa izimpahla, kokubili imali engenayo engaguquguquki neguquguqukayo, ngamanani azoncika kuphrofayili oyethula njengesilondolozi.

Esinye isixazululo simelwe yimali yezimali, kepha sisebenze cishe ngokuphelele ezinyangeni ezedlule. Futhi lokho kuzokusiza kuphela ekulondolozeni impilo yakho. Njengomphumela wawo wonke la maqhinga, ifomula okuwukuphela kwayo yokwenza izimpahla zakho kube ukufaka engcupheni izikhundla zakho ezivulekile. Futhi ngalo mqondo, ama-equities yisimo esihle kakhulu lapho leli thuba lingavela khona.

Inkontileka yemigqa yesikweletu evumayo

Yize kungahlangene nakancane nokonga, enye indlela okusetshenziswana ngayo nezicelo ezivela ezikhungweni zezezimali ukuqasha izikweletu ezincintisana kakhulu futhi phakathi kwalezo ezibandakanya nemali mboleko. Ukwethembeka kwamakhasimende kuzoba yinto ebalulekile ekuhlangabezaneni nezinhloso. Akusikho ukuqondana nje ukuthi njengoba kwenziwa eminye imikhiqizo (umshwalense, izinhlelo zempesheni, izimali zotshalo-mali, njll.) Nebhizinisi, imigudu yokuxhasa imali yethulwa ngenzalo ephansi, nokuthi ingafinyelela kuma-2% aphezulu kakhulu izimo.

Lezi zindlela zokuhweba zisetshenziswa ngokuhlukumeza kakhulu kwizimalimboleko zezindlu. Ukwehla kwenzalo ye-Euribor kudale ukuthi okunikezwa ngamabhange kuholele ekunikezeni isakazeka ngaphansi kuka-1%. Kepha hhayi kulesi sici kuphela lapho umehluko ungabonakala. Futhi ekususweni kwamakhomishini amakhulu nezinye izindleko ekuphathweni kwawo. Ekugcineni, zethulwa kokunikezwayo ngaphandle kwesigatshana saphansi. Futhi ngale ndlela, sebenzisa ngokunenzuzo ukuvela okuhle kwenkomba yokulinganisa yaseYurophu.

Amakhadi wamahhala wamakhasimende

amakhasimende: amakhadi

Manje akusadingeki ukukhokhela ukwenziwa kwenkontileka kwamanye amakhadi amaningi (isikweletu nodebithi) okuthengiswa ngamabhange. Kunezindlela eziningi zokubakhulula ngokuphelele, ngisho nasekunakekelweni kwayo. Ngenye yezingwegwe ezisetshenziswa amabhange ukugcina amakhasimende, hhayi ukuya emncintiswaneni. Kuzodingeka kuphela ukuvula i-akhawunti yokuhlola, ukusayina uhlelo lokonga, noma ukukhokha okuqondile noma imali ejwayelekile ukuze kuthi kusukela manje lo msebenzi ungabandakanyi ukukhishwa kwemali kumakhasimende.

Amanye amafomethi kupulasitiki, ngakolunye uhlangothi, azokuvumela ukuthi wenze leli holide elilandelayo njalo lapho kufanele uye egalaji likaphethiloli ukuze ubize imali encane. Akha amabhonasi aphakathi kuka-1% no-3% emsebenzini ngamunye, futhi ogcwaliswa ngezaphulelo ochungechungeni lwama-athikili nemikhiqizo eziteshini zesevisi.

Izinzuzo ongazingenisa kusuka kumakhadi akho aziyeki lapha, ngoba uchungechunge lwe- izaphulelo kumanani ezinsizakalo eziningi zabavakashi (amahhotela, izinhlaka zezokuvakasha, izindiza, ukuqasha izimoto, amaphakheji eholide ...). Kunoma ikuphi, kungaveza okungaphezu kwemiphumela efiselekayo kubhalansi ye-akhawunti yakho yokubheka. Ngamafomethi anolaka kakhulu, beza ukukunikeza ukukhokhela ukuthenga kwezinye izikhungo zezentengiso ezinyangeni ezimbalwa, kepha ngaphandle kwanoma yiluphi uhlobo lwenzalo.

Ziningi izingwegwe, ngakho-ke, ukuthi amabhange akumaketha ukuze ungazivumeli ukuba ukhohliswe iziphakamiso zomncintiswano. Manje kuzoshiywa kuphela ukucacisa uma kufanele ngempela, noma kunalokho, kungaba umthombo omusha wezindleko. Igama lokugcina, ngemuva kwakho konke, uzohlala unakho.


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.