Ngabe iBrexit izoyithinta kanjani imali yakho?

Uma kukhona usuku olunesiphambano kuso, lokho akuyona enye ngaphandle kukaJuni 23 ozayo, nini inhlolovo izobanjelwa ukusho ukuthi ngabe iNgilandi iyayishiya i-European Union (i-EU), ne-Brexit esabekayo. Futhi uzoba nemiphumela ebanzi, hhayi kuphela kwezepolitiki nezenhlalo, kepha futhi nezomnotho. Lapho izintshisekelo zakho njengomtshalizimali omncane naphakathi zizothinteka ngokulinganayo. Ngokwalokho izakhamuzi zaseBrithani ezinqumayo kukho, kungakwenza uzuze noma ulahlekelwe yimali eningi ezimakethe zezezimali, kokubili emalini nasemalini engaguquki.

Ukuphuma okungenzeka kwe-United Kingdom ku-European Union kuzokwenzeka enkambisweni eyaziwa kwabezindaba njengeBrexit. Ukubaluleka kwayo kuzobaluleka kakhulu kubo bonke abantu baseYurophu, futhi lapho kutholakala khona izinto eziningi ezithathwa yingxenye yabasebenzela ezomnotho, okufanele uyibheke emasontweni azayo ukuthuthukisa iphothifoliyo yakho yokutshala imali. Hhayi ngeze, Kungakuhle kakhulu ukuthi usuvele ubheke lesi sici lapho usenza.

Kusuka kumphumela wokuthi umbuzo wale referendum ekugcineni ube nalokhu: Ngabe ucabanga ukuthi i-UK kufanele iqhubeke nokuba yilungu le-European Union?, izimakethe zezezimali zizoya ngapha nangapha. Futhi ngaphandle kokungabaza ukuthi nawe uzobandakanyeka ekuziphendukeleni kwayo, noma ngabe yimuphi umphumela. Kunoma ikuphi, izinhlolovo zakamuva ezishicilelwe abezindaba bakulesi siqhingi zinikeza abasekeli bokuhlanganiswa kweYurophu ithuba elincane. Futhi njengoba ngakolunye uhlangothi kuyinto ejwayelekile, yamukelwa kakhulu izimakethe zezimali zaseYurophu, ezesaba i-Brexit.

Ingabe isinqumo sizokuthinta ngempela?

Ukusuka kwe-United Kingdom kwi-European Union (Brexit) kuzoba nezindleko ezibaluleke kakhulu ezakhamuzini zayo, ngokusho kombiko olungiselelwe yi-Organisation for Economic Cooperation and Development (OECD), okhombisa ukuthi iBrithani ngalinye elishiya lesi sikhala sezomnotho kusho cishe ama-2.200 amakhilogremu (2.800 euros). Kodwa kuthiwani ngezinye izakhamuzi zezwekazi elidala?

Abatshalizimali abaningi abathengisayo bacabanga ukuthi imiphumela yalokhu kuxoxisana ngokhetho Amaphakethe akho ngeke akubone, futhi uma kunjalo, ngendlela elawulwayo futhi kube nemiphumela elinganiselwe kakhulu. Okungenani esikhathini esifushane ngeke kube ngale ndlela, futhi Izimakethe zamasheya zingathuthukisa ukunyakaza okuguquguqukayo kakhulu, okuthinta ngisho nenzuzo yezikhundla ezivulekile emakethe yamasheya. Ngaphezu kwe-intuit eminingi, njengoba ubona kule ndatshana.

Isizathu ikakhulu kungenxa yokuxhumana okuqinile phakathi komnotho wezwekazi elidala. Ukuncika emnothweni kusho ukuthi lesi sinqumo sinemiphumela, okungenani phakathi kwabatshalizimali, kuya ngomphumela wesinqumo esidumile esizokwenzeka emasontweni azayo. Futhi nokuthi kuzoba lula kuwe ukwazi imiphumela yayo.

I-GB Brexit

Ukube lesi bekuyisinqumo samaNgisi kwi-referendum elandelayo, imiphumela ingaba ngaphezulu kokumangazayo ngemuva kwehlobo. Ngokuqagela, lapho kungabonakala kakhulu kuzoba ezimakethe zezimali zaseYurophu, ezingaba nokuwa okuphawulekayo kuzo zonke izinkomba zazo. Futhi nge amathuba amaningi okubuyela emuva lokho kudlalwe ekuqaleni kwalo nyaka.

Njengoba ubhekene nalesi simo, bekungekho okunye ongakwenza ngaphandle kokuyeka ukutshalwa kwezimali emakethe yamasheya, ngisho nokukhubazeka njengecebo lokuvikela imali oyongile. Okungenani izinyanga ezimbalwa, lapho kungenziwa khona ukunyakaza okunonya kakhulu, okungeke kusizakale ngezintshisekelo zakho njengomtshali-zimali omncane. Futhi-ke, ngaphandle kokuthatha izikhundla ezimakethe zamasheya, okungenani kuze kube yilapho izimakethe zamasheya zihlala phansi.

Yilapho kuvela khona umbuzo wokuthi kufanele wenzeni lapho ubhekene nalesi simo esisha esingavela. Yebo, uzoba nezinye izinketho zokwenza ukonga kube nenzuzo, yize kusuka ezindleleni ezahlukahlukene, okungaba mnandi kakhulu uma ulindele imicimbi.

Isu lakho lokutshala imali ngaphambi kweBrexit lizosuselwa kulo khetha amanani abawasebenzisayo njengesiphephelo. Futhi okokuqala uzoba nemali engaguquki yeJalimane ne-United States ngezibopho zabo. Uzokwazi ukuzuza inzuzo ephezulu kule mikhiqizo yezezimali, ngoba ngokuqinisekile ukuhamba kwemali kwabatshalizimali abakhulu kubhekiswe kulezi zimpahla zezezimali ngendlela enamandla. Akumangalisi ukuthi kuzoba yinto yokuqala eza kuqala ukuvikela izintshisekelo zakho.

Awukwazi ukukhohlwa noma inani lesiphephelo ngokusebenza kahle. Akuyona enye ngaphandle kwegolide, futhi kungakha utshalomali oluhle kakhulu esimweni esifana nalesi esaphakanyiswa yireferendamu yamaNgisi. Naphezu kwakho konke, ukuvela kwensimbi yegolide kuyenelisa ngokuphelele kubatshalizimali kulo nyaka, kubuyekezwa cishe ama-30%, kunikezwe ukungazinzi okuthile kwezimakethe kanye nomnotho wamazwe omhlaba.

Esinyathelweni sesithathu, ungacabanga futhi ngezinto ezithile zokusetshenziswa ezithola amazinga entengo yazo. Futhi phakathi kwabo, uwoyela osendleleni yokufinyelela kumgoqo obalulekile wamadola angama-50 umphongolo. Hhayi ngeze, phakathi nezikhathi zokugcina kukhombise ukuvuselelwa okungaphezulu kwama-20%. Futhi abekho abahlaziyi abambalwa bezezimali abancoma ukuthatha izikhundla kule mpahla yezezimali. Njengoba ukuvela kwentengo yayo kuzoba ngumphumela wokubonisana okuthandwayo eGreat Britain.

Zonke lezi zeluleko zokutshala imali ingasetshenziswa kwizimali zokutshala imali ezigcina lezi zibhejo abatshalizimali. Ngendlela efaneleke kakhudlwana yokuvikela ukonga, ngoba ungakuhlanganisa nezinye izimpahla zezimali ngokuhlukahluka okukhulu kokutshalwa kwezimali. Ngokuqinisekile kuzoba isu okufanele ulisebenzise kulesi simo esingathuthukiswa kusukela manje kuqhubeke.

Konke kuyafana eNgilandi

Okunye okungenzeka ukuthi imiphumela yamabhokisi okuvota iphuma ukuthi izakhamizi zifisa ukugcina ubudlelwane beziqhingi ne-European Union. Imiphumela ngeke ibaluleke kangako, futhi kungenzeka ingathinti kakhulu izimakethe zezezimali, ngoba zizobe ziyisusa ngamanani entengo ezinkampani.

Uma lesi kuyisinqumo esidumile, kuyabonakala ukuthi izobingelelwa kahle izimakethe zezimaliNgisho nokubuyekezwa okukhulu kwamanani ezinkampani kungatholakala. Noma kunjalo, kuzoba nomphumela olinganiselwe kakhulu, ohlanganisa izikhathi ezimbalwa zokuhweba, kodwa hhayi izinyanga. Futhi lapho umkhakha wamabhange uzoba ngumhlomuli omkhulu walokhu kukhushulwa okujwayelekile.

Ungakwazi thatha izikhundla ezimakethe zamasheya ukusizakala ngalezi zinyathelo, ngisho nasemisebenzini enolaka ngempela yokwandisa izindaba. Akukhona ukuthi ukwazile ukuba ngusozigidi ngobusuku obubodwa, kepha ngokuqinisekile bazoba namathuba aphezulu okukhokhela iholide lakho elilandelayo lasehlobo, noma okungenani ingxenye yalo. Kokubili okuvela ezimakethe zesitoko zikazwelonke, nakwamanye aseYurophu. Yize kungaba ngamaNgisi azovuka kakhulu kulesi simo.

Futhi Imali engenayo yesiNgisi izokwazi ukwenza lokhu kuhamba kube nenzuzo, futhi ube ngenye yezindlela ongazisebenzisa ukonga imali ngempumelelo enkulu. Yize imikhiqizo esele esuswe esikweletini somphakathi saseYurophu ibingazukusala ngemuva ekuguqukeni kwayo ezimakethe zezezimali. Kunoma ikuphi, le referendum ingaba izaba ezifanele zokuthi uvuselele iphothifoliyo yakho yamanje yokutshala imali, futhi uyishintshe ngokuya ngesimo esisha esingavela.

Kunoma ikuphi, izindaba ezinhle akufanele zilindelwe uma iGreat Britain iqhubeka ngaphakathi kwe-EU, maqondana nezimpahla lapho ungabeka khona imali. Uma kukhona okuthile, ngendlela ethize futhi ngaphandle kwamathuba amahle okuqhubeka, ngale kweBrexit. Kunezinye izinkinga, ngokungangabazeki ezithinta izimakethe futhi zisekhona, futhi phakathi kwazo kukhona ukwehla komnotho ezwenikazi elidala.

Amathiphu ayi-7 wokuthatha isinyathelo

Isu elihle kunazo zonke ongalakha ebusweni beBrexit ukwenza ngokuqapha okuthile lapho unyakaza, futhi kufanele ulondoloze ukonga ngaphezu kokunye ukucatshangelwa. Lezi akuzona izikhathi zokuthola inzuzo enkulu yemali, kepha ukugcina lokho osekuzuziwe kuze kube manje. Ungayithuthukisa kusuka ochungechungeni lwezincomo ezingasiza kakhulu ngalesi sikhathi.

1. Ungazami ukwenza imisebenzi enolaka kulezi zinsuku ezimakethe. Kuzoba ngcono uma imibuzo ephakanyiswe yilokhu kuxoxisana okudumile icaciswa. Futhi kuzoba nezikhathi kamuva lapho ukhetha khona ama-equities, noma ezinye izimpahla zezezimali.
2. Kuzoba isikhathi esifaneleke kakhulu ukwenza ukulungiswa kuphothifoliyo yakho yokutshala imali, kungaba sezikhundleni zakho emakethe yamasheya, noma ngezimali ezihlanganisiwe zokutshala imali. Impela kufanele wenze ushintsho olungaphezu kolulodwa ukuze uzivumelanise neqiniso lezehlakalo.
3. Uma kunezimo lapho kufanele ukhetha ukuthenga okuvikelayo, ngaphandle kokungabaza, eyamanje ingomunye wabo. Akumangalisi ukuthi uzokwazi ukuthola umkhiqizo ongaphezu kowodwa ohlangabezana kahle nalezi zici, futhi lokho kuzokusiza wenze ingcebo ibe nenzuzo ethe xaxa.
4. Ubhekene nokusondela kweholide elilandelayo, kungahle kube yisikhathi sokuba uthathe ikhefu ekutshalweni kwakho, bese ulinda ukuthi isigcawu sicace njengoba amasonto eqhubeka. Ngokuqinisekile uzobuya unamandla athe xaxa wokuthuthukisa utshalomali lwakho.
5. Ucabanga ukuthi noma ngasiphi isikhathi ukonga kungenziwa kube nenzuzo, futhi Amathuba ebhizinisi ahlala ekhona, noma ezimeni ezingezinhle neze. Kuzodingeka uthole kuphela lokho okufunayo.
6. Ungakwazi lindela umphumela wereferendamu ukuzama ukwenza ukunyakaza kube nenzuzo ngempumelelo enkulu, futhi kufakwe leyo aphorism yakudala esebenza emakethe yamasheya "thenga namahemuhemu uthengise nezindaba."
7. Ungazami ukuzuza otshalweni lwakho ongakwenzanga phakathi nonyaka, ngoba akusona isikhathi esikahle kakhulu sokwenza leli su elinolaka. Uzoba namathuba amakhulu kamuva, ngaphandle kokungabaza.