Izinkinobho eziyi-8 zokuvikela ukonga kwakho emakethe yamasheya

Abantu abafake imali abayigcinile emalini bazobona ukuthi iphothifoliyo yabo yezokuphepha yehle kanjani cishe ngo-10% ngenyanga yokuqala ka-2016. Ngokwenza lokhu kusho ukuthi kuma-euro ayi-10.000 XNUMX atshaliwe, uzobe ushiye endleleni inani elingacabangi lama-euro angama-1.000. Futhi kwamanye amanani amanani ukulahleka kuzobe sekuba kubi ngokwengeziwe, kufinyelela emazingeni angenakufinyeleleka kwabasindisi abaningi. I-Repsol, i-Arcelor Mittal, i-Sacyr noma i-Acerinox ngamanye alawa manani. Akumangalisi ukuthi ukungakhululeki sekuphinde kwafakwa phakathi kwabatshalizimali abancane nabaphakathi. Ngisho nini?

Ukungabaza ukuthi iningi lalezi zindawo zokuvikela imali, futhi njengoba kungenzeka kuwe, ukuthi ngabe lezi zinhlangano zingumcimbi othile, noma ngokuphambene nalokho, zizohlala ezimakethe zezimali. Kunama-euro amaningi ogembulayo, kodwa okungabalulekanga kangako, isu okuzodingeka ulisebenzise ezinyangeni ezizayo ukunqoba isiphepho. Ngombono wemakethe yesitoko onganaki ithemba, njengoba abahlaziyi abadumile bekhombisa.

Naphezu kwakho konke, ukutshala imali emakethe yamasheya kube ngenye yamathuba ambalwa okuthola imbuyiselo eyamukelekayo kulondolozo lwakho. Njengomphumela wenzuzo ephansi okwamanje enikezwa yimikhiqizo yasebhange ngokuya ngemali engenayo engaguquki (imali yesikhathi, amanothi ezethembiso, amabhondi, njll.), Okungajwayelekile ukudlula isithiyo esingu-1%. Ngenxa yesinqumo se-European Central Bank (ECB) sokwehlisa intengo yemali, futhi lokho sekuholele ekutheni inzalo icishe ibe ngu-zero.

Imizwa engemihle yezimakethe

Kunoma ikuphi, utshalomali lwesitoko luthwala izingozi ongeke ukwazi ukukhipha kuzo, kungasaphathwa ukuthi uzinciphise. Vele akunjalo. Ikakhulukazi ngonyaka ongahle kakhulu njengalona, ​​oqale endaweni engemihle cishe kusuka ngoJanuwari 1. Ngokunikezwe lokhu, Ukuqapha kufanele kube yisona sici esivamile sezenzo zakho ezimakethe zamasheya. Ngeke ube nokunye ongakwenza ngaphandle kokukusebenzisa uma ungafuni ukulahlekelwa yingxenye yemali oyilondolozile kulolu hlobo lotshalo-mali, obekukujabulisa kakhulu kule minyaka edlule.

Mhlawumbe umjikelezo webhizinisi ushintshile, njengoba kusho osomnotho abaziwayo. Kepha noma kunjalo, ukwehla kwamandla omnotho okusha kanye nemiphumela emibi yokwehla komnotho waseChina kuyinto endiza ezimakethe kulezi zinsuku. Kuzoba lula kakhulu ukuthi ukubheke ukuhlela kahle izenzo zakho ezimakethe zamasheya kusukela manje kuqhubeke. Kuzoba ukhiye wokunquma impumelelo yokusebenza kwakho.

Ukuze ukwazi ukuthuthukisa imihlahlandlela yokuziphatha ekuzuzisayo ebudlelwaneni okufanele ubuthathe maqondana nezimakethe zezimali, ngeke ube nokhetho ngaphandle kokungenisa uchungechunge lwamathiphu wokuhambisa imisebenzi yakho kulo msebenzi onzima owethulwe wona . Hhayi ukukhulisa kuphela izikhundla zakho, kepha ngokuyisisekelo ku- vikela imali oyongile ezinyangeni ezimbalwa ezizayo.

Isu lakho, ngakho-ke, kufanele lisungulwe ngaphansi kwalesi simiso esibalulekile, ngaphandle kokukhohlwa ukuthi yimali yakho ogembula ngayo. Futhi ngakho kufanele uqaphele, futhi ngisho nokungabikho ezimakethe isikhathi eside njengoba kuthatha. Ngaphandle kokukusinda, kepha ugcina isiyalo ekusebenzeni kwakho. Cishe ukuphela kwempozo yonyaka wezi-2016 okuwunyaka wezinkumbulo ezidabukisayo emlandweni wakho njengomtshali zimali othengisa.

Ukhiye wokuqala: hlukanisa utshalomali lwakho

Uma ungafuni ukuvela okubi kwemakethe yamasheya konakalisa imali oyongele iminyaka eminingi kangaka, ngeke ube nokhetho ngaphandle kokwehlukanisa utshalomali lwakho. Hhayi ngaphakathi kwamasheya kuphela, kepha futhi nasemalini etholakalayo. Ukwamukela le nselelo, uzokwazi ukuhlanganisa izimpahla ezehlukene zezezimali zezinhlobo ezahlukahlukene, ngokuya ngezimo ezivelayo phakathi nonyaka.

Lelisu elihlukile lingenziwa ngqo ezimakethe, noma ngomkhiqizo wezezimali ohlangabezana nalokhu okulindelwe. Futhi ngalomqondo, izimali ezihlanganisiwe zokutshalwa kwezimali ziyisibonelo esihle sokuthi ungayisebenzisa kanjani, futhi ungazuza ezinzuzweni zayo, ngakolunye uhlangothi, eziningi. Ungakhetha phakathi kwamamodeli amaningi, azobhaliswa ngokuya ngephrofayili oyivezayo njengomtshalizimali.

Ukhiye wesibili: khetha amanani wesiphephelo

Indlela engcono kakhulu yokubhekana nesimo esibi ikakhulukazi ngalezi zimpahla zezimali. Zisebenza kangcono, futhi ungathola nembuyiselo ekhangayo kulondolozo lwakho. Yikuphi? Izinsimbi ikakhulukazi eziyigugu, ikakhulukazi igolide. Ukuvela kwabo ezimakethe kuvuma kakhulu, ngoba izinkulungwane zabatshalizimali zibhekisa amehlo abo kubo, futhi baphambukise izimali zabo ukwenza iminikelo yabo yezomnotho ibe nenzuzo.

Uwoyela, yize enobungozi obukhulu kakhulu, ungaba ngenye indlela yokufeza lezi zinhloso. Futhi ngenxa yokuwa kwayo ezimakethe zezezimali okuholele ekutheni amanani angakaze abonwe kusukela ngonyaka we-2003, nokufinyelela ezingeni lamadola angama-25 umphongolo. Ngokusho kwabahlaziyi bezezimali abahlukene, isitezi kungenzeka ukuthi senziwe ngentengo yaso. Futhi uma lolu shintsho kuthrendi luqinisekiswa, akukho kungabaza ngokuthi kungaba yithuba lokuthatha izikhundla ngegolide elimnyama.

Ukhiye wesithathu: musa ukubeka engcupheni imali ngokungadingekile

Awunaso isibopho sokutshala imali oyilondolozile kwizimali. Kungcono ukuthi usebenze ngokweqile, kunokuba wenze umsebenzi omubi wemakethe yamasheya. Ngaphezu kwalokho, uma ulandela lesi seluleko, ungasebenzisa amathuba okuthenga okwabiwe okungaba khona ezinyangeni ezimbalwa ezizayo. Futhi nokuthi ungazenza zibe semthethweni ngaphansi kwezintengo zokuthenga eziyela ngasocansini.

Uma nje isimo semakethe yamasheya sisaqhubeka nokucaca nge-bearish - njengoba injalo ekuqaleni konyaka - ngeke ube nokunye ongakwenza ngaphandle kokubona izinkunzi eceleni, uma ungafuni noma isiphi isigaxa esinomthelela oqondile ku-akhawunti yakho yokuhlola. Kuphela uma kutholwa ushintsho kuthrendi, kufanele uguqule amasu, bese-ke yebo, wenze ukuthenga okukhethiwe ezimakethe. Yize futhi kungaphansi kokuqapha okuthile ekusebenzeni.

Ukhiye wesine: khetha ukuphepha kwezabelo eziphezulu

Uma, naphezu kwakho konke, umuzwa wakho ukutshela ukuthi sekuyisikhathi sokuphumela obala, ungenza izifiso zakho zibe zezihlelekile ngokusebenzisa izinkampani ezifakwe kuhlu ezisabalalisa izabelo eziphakeme phakathi kwabaninimasheya. Hhayi ngeze, ungathola isivuno esifinyelela ku-8% kwezinye zazo. Kunoma ikuphi, kunenzuzo enkulu kakhulu kunemikhiqizo yolondolozo lwendabuko, ekunikeza okuncane kokuthile okugcinwe imali.

Ukunikezwa okunikezwa yimakethe yamasheya yaseSpain kukhulu kakhulu, ukukwazi ukukhetha phakathi kwezokuphepha ezivela emikhakheni eyahlukene yebhizinisi. Okuphawuleka kakhulu ngamakhondomu, amabhange, ugesi nemigwaqo emikhulu, ngenzuzo ephezulu, abazokunikeza yona phakathi kuka-1 no-4 izikhathi ngonyaka, kuya ngenqubomgomo yemiholo yenkampani ngayinye. Noma kungenzeka uphinde uyitshale kumasheya ezinkampani uqobo, yize okwamanje kungelona isu elinconyelwe kakhulu lezintshisekelo zakho.

Ukhiye wesihlanu: gwema imikhakha engqubuzana kakhulu

Kunoma ikuphi, uma ungafuni ukubambeka kunoma yiliphi inani, kuzoba yinto ephambili leyo gwema imikhakha esengozini kakhulu ekuweni kwezimakethe zezimali. Imiphumela ingaba yingozi kwizintshisekelo zakho njengomtshali-zimali omncane, njengoba kwenzekile emasontweni okuqala onyakeni omusha.

Ngokuphambene nalokho, amasheya okuzivikela yiwona anconywa kakhulu ezimweni zokuguquguquka okukhulu ezimakethe. Kuyiqiniso ukuthi abahlinzeki ngokubuyekezwa okukhulu, kepha okungenani balinganisela ukwehla kwabo ekunyakazeni ngokweqile kwemakethe. Ngokuzinza okuthile kuzintengo zabo njengesici esiyinhloko sezenzo zabo.

Ukhiye wesithupha: linganisa iminikelo yakho emakethe yamasheya

Ezimweni zamanje Akufanele wenze iminikelo emikhulu yemali ekusebenzeni kwemakethe yamasheya. Ngakho-ke wabela u-30%, kakhulu, wemali oyongile kuzoba ngaphezu kokwanele ukuvikela izintshisekelo zakho. Akumangalisi ukuthi uzoba nesikhathi sokuzandisa uma umbono wemakethe uba ngcono phakathi nonyaka.

Amaphesenti asele angabelwa imikhiqizo ephephile eqinisekisa ukusebenza, noma ngabe incane, kepha ngaphandle kwengozi enkulu. Ngalo mqondo, ukukhetha kwakho kungaqondiswa ezinye izimali zokubuyisa ngokuphelele, kanye nabasindisa ngokuvikela kakhulu, baze bafake intela yetemu ethe xaxa (amaklayenti amasha, axhumene nabasebenzi, njll.).

Ukhiye wesikhombisa: ungancika emakethe yesitoko kuze kube sekugcineni

Njengecebo elinolaka kakhulu, futhi uma ukuthambekela phansi kwezimakethe zezezimali kuqinisekiswa, uzohlala unethuba lokwenza imisebenzi yokubheja ekwehleni kwamanani, izinkomba kanye nemikhakha yamasheya. Kanjani? Kulula kakhulu, ngokusebenzisa buyisela emuva imikhiqizo, ongakwazi ukuwahambisa ngqo kumasheya awo, noma ngezimali zokutshala imali zalezi zici

Kunoma ikuphi, kufanele ucace kakhulu ngalokhu kuvezwa, ngoba ukulahleka iphothifoliyo yakho yokutshala imali engakukhiqiza kubaluleke kakhulu, noma ngabe kungenzeka ukuthi awukwazi ukukucabanga. Izodinga, ingaba ngaphansi kanjani, ulwazi oluphakeme ngezimakethe kwakho. Uma kungenjalo, gwema kangcono ukwenziwa kwayo ngokusemthethweni, bese ukhetha amanye amamodeli angenolaka.

Ukhiye wesishiyagalombili: ukuwuhlanganisa nezimpahla eziphephile

Inketho eyodwa amabhange akunikeza yona ukutshala imali emakethe yamasheya ngebhasikidi lamasheya afakiwe kudiphozithi ethile yethemu. Kuzokusiza ukuvikela ukonga kwakho, ngoba uzoba ne- inzuzo encane eqinisekisiwe, okungakhushulwa uma ingxenye yemali ifinyelela izinjongo eziphansi.

Amabhange aya ngokuya athuthuka lawa amamodeli, avumela ukulawula okukhulu ukonga kwawo ngamakhasimende. Futhi lokho ngokuvamile kunemigomo ehlala isikhathi eside kunaleyo ejwayelekile, cishe iminyaka engu-1 kuye kwengu-3.