Ihlobo impela liyinkathi eyinkimbinkimbi yezimakethe zezimali zokulingana ngezizathu ezahlukahlukene esizozichaza ngezansi. Ukuze ukwazi ukuhambisa kahle iphothifoliyo yakho elandelayo yezokuphepha ngoba kufanele kube njalo i-atypical kakhulu kunezinye izikhathi zonyaka. Ezinyangeni ezimbalwa lokho ngokwesiko kube kubi kakhulu ezikhwameni iminyaka eminingi. Lesi ngesinye sezizathu zokuthi kungani izenzo zakho kumele ziqondiswe ukuqonda nokuziphendulela ngezinqumo zakho.
Ngakolunye uhlangothi, awungeke ukhohlwe ukuthi siqale kusuka kusimo esine-bullish kakhulu ezimakethe zezimali. Njengoba kubonakala kusengaphambili kukhona ukulungiswa kwamanani entengo ezenzweni zokulungisa umthetho wokunikezela nokufunwa. Akumangalisi ukuthi kukhona ukuhlolwa okuthile kulesi sici futhi okungalungiswa nganoma yisiphi isikhathi futhi akunakwenzeka ukuthi lesi simo senzeke ezinyangeni zasehlobo. Ngakho-ke, akukho okunye ongakwenza ngaphandle kokulungela lesi simo esikhethekile.
Kumele kuqashelwe futhi ukuthi kulezi zinyanga umthamo wokuqashwa uyehla ngamandla amakhulu. Isici esidala ifayela le- ukuguquguquka kwentengo yezenzo futhi lokho kudala ukuthi ubungozi bukhulu kakhulu ezikhundleni zabatshalizimali abancane nabaphakathi. Ukugcizelela ukuthi umehluko phakathi kwezintengo zabo eziphansi nezincane ungakhuliswa. Isimo esingaveli kwezinye izinyanga zonyaka, ukuze ekugcineni ukunyakaza kube kunkulu ngokwengeziwe kuwo wonke amaphuzu wokubuka. Lapho amaphutha evame ukwedlula ukwenziwa yibo bonke abasebenzeli emkhakheni wezokulingana.
Ehlobo, yini esingayenza?
Ubhekene nalesi simo esikhetheke kakhulu esivela ezinyangeni zasehlobo, amasu ahlukahlukene wokutshala imali angasetshenziswa. Omunye wakhe kudlula ngokukhetha ukwenziwa kwemali ku-akhawunti yamanje yabatshalizimali abancane nabaphakathi. Ngenhloso eyinhloko yokonga imali yakho siqu noma yomndeni nokugwema noma yiluphi uhlobo lokuvuza okungakumangaza kulezi zinyanga zonyaka. Ngakolunye uhlangothi, kufanele wazi kakhulu ngokuvela kwamanani wamasheya ngaphambi kwalokho okungenzeka ngalezi zinsuku.
Ukushiswa ngamasu kuyisu esingalithatha kuphela ngendlela ehlukile futhi kuze kubuye amaholidi. Lapho sizokwazi khona ukwenza imisebenzi emakethe yamasheya njengenjwayelo futhi mhlawumbe ngamanani entengo aqine kakhudlwana angenzeka kumaconsi abonakalayo ekulinganisweni kwezinkampani ezisohlwini. Ngokwalokhu kubuka kungaba ukusebenza okuzuzisa kakhulu izintshisekelo zethu maqondana nezwe lemali elihlale liyinkimbinkimbi.
Thenga ukuvikeleka
Elinye lamasu esingawasebenzisa kulezi zinyanga zasehlobo ukukhetha amanani wokuzivikela noma okulondolozayo enkombeni ekhethiwe yezimali zamazwe, i-Ibex 35. Ngale ndlela, sizoba sesimweni esihle kakhulu vikela imali yethu ubhekene nezimo ezimbi kakhulu zokutshalwa kwezimali. Phakathi kwezinye izizathu ngoba amanani abo akhombisa ukuguquguquka okukhulu ekuguqukeni kwamanani. Imelwe ngamanani wemikhakha efanele njengogesi noma ukudla.
Ngakolunye uhlangothi, imvamisa kuyizindinganiso lokho basabalalisa izabelo phakathi kwabaninimasheya futhi lokho kunikeza isikweletu esikhulu kwi-akhawunti yamanje yabatshalizimali abancane nabaphakathi. Ngenzuzo ehamba ebangeni elisuka ku-3% lize lifike ku-8%. Ngokukhokha ku-akhawunti okulungisiwe nokuqinisekisiwe minyaka yonke. Ngaphandle kokuvela kwayo ezimakethe zezimali. Ukuba kunoma iyiphi indlela isu lokutshala imali elibhekiswe kubatshalizimali bendabuko abaningi.
Khetha ezinye izimpahla zezezimali
Vele, awukwazi ukukhomba ukuqondiswa kwezinye izimakethe nezimpahla zezimali njengenye indlela yokutshala imali. Ngokuqondene nesibonelo, kunjalo ngezimakethe zemali engenayo ezingaguquki ezinikeza eyodwa kuphela inzuzo encane ezungeze u-1%. Kepha lokho kusiza ekugcineni ukulondolozwa kwethu konke nokuthi ayikho i-euro ezolahleka kwiminikelo yemali eyenziwe ngaleli qhinga ekutshalweni okulondolozayo. Akumangalisi ukuthi izingozi empeleni zincane ngoba ukuvezwa kwakho kumane nje akunalutho.
Ngakolunye uhlangothi, enye inketho imelwe ngolunye utshalomali. Njengoba kwenzeka ku- izinto zokusetshenziswa, izinsimbi eziyigugu nezinye izimpahla zezezimali yalesi sigaba. Yize kunjalo kuleli cala, bazwela kakhulu ebungozini bokusebenza kwabo. Kepha kokukhona, bangamela ithuba lebhizinisi ngoba banethuba eliphakeme lokubuyekeza, ikakhulukazi igolide elibonisa isici esihle kakhulu sobuchwepheshe. Ngayo yonke iminyakazo e-uptrend futhi lokho kungaba yinto yokuthengwa ngabatshalizimali.
Ukubheja ngemikhiqizo ephambene
Uma ucabanga ukuthi imakethe yamasheya izowa ezinyangeni zasehlobo, ungancika kulolu hlobo lwemikhiqizo yezezimali. Kepha ngicabanga lokho uthatha izingozi ezinkulu Uma le mibandela ingahlangatshezwa futhi ingaholela ekulahlekelweni okukhulu kokubuyekezwa okungasinda phansi utshalomali lwakho kulesi sikhathi sonyaka. Futhi ngakho-ke kuzoba yisinqumo esicabangisisa kakhulu ngenxa yomthelela walolu hlobo lwemikhiqizo yezezimali.
Bangamamodeli wokutshala imali lapho ungathola khona imali eningi, kepha ngesizathu esifanayo, kukushiyela ingxenye enhle yokonga okutshaliwe. Ngenkathi ngakolunye uhlangothi, kufanele futhi ukhumbule ukuthi le mikhiqizo iyona eletha izinga eliphakeme lokuphakama ngenxa yezici zazo ezikhethekile. Ayifanele kakhulu kuwo wonke amaphrofayili abatshalizimali abancane nabaphakathi abakhona. Ngaphandle kolunye uchungechunge lokucatshangelwa kwezobuchwepheshe. Ukuba ngesinye sezimpawu ezifanele kunazo zonke zale mikhiqizo yokutshalwa kwemali kuyinkimbinkimbi njengoba inezinto ezintsha ngasikhathi sinye. Yinto okufanele siyicabangele kusukela manje kuqhubeke.