Ihlobo lifika unyaka owodwa futhi nesikhathi esithile esenzelwe ukuphumula nokuphumula. Akusona isikhathi esivumayo kakhulu sokutshalwa kwezimali ezimakethe zezimali. Phakathi kwezinye izizathu ngoba zikhona evezwe kakhulu ekuguquguqukeni kusukela ingcindezi yokuthengisa ibekwa kumthengi. Lokhu bekulokhu ngokwesiko eminyakeni edlule futhi kuyinto eholele ekutheni ingxenye enkulu yabatshalizimali bahlehle izikhundla zabo ezimakethe zamasheya.
Kulo mongo ojwayelekile, akukho okunye ongakwenza ngaphandle kokubheka ezinye izindlela ezintsha nezenelisayo zokwenza ukonga okunenzuzo ngazo iziqinisekiso ezinkulu zempumelelo. Yize kumamodeli wokutshala imali anesikhathi esifushane kakhulu sokuhlala unomphela futhi ezimweni eziningi ezihlanganisa izinyanga ezintathu zesizini yehlobo. Ukuze ngale ndlela, ungajabulela iholide lakho elilifanele ngokuthula okukhulu kwengqondo. Ngaphandle kokuthi wazi amanani entengo yezimpahla zezimali ongene kuzo.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi kulezi zinyanga i umthamo wenkontileka imisebenzi ezimakethe zezimali yehle kakhulu. Ukufika ezingeni lokuthi ungazibeka engcupheni enkulu ezikhundleni ezivulekile kulezi zinsuku ezikhethekile zonyaka. Ukuze ukwazi ukuthuthukisa amasu okutshala imali, sizokunikeza imibono yokuqondisa imali oyitholayo. Ngokuzivumelanisa nezimo okukhulu ezinkethweni zakho ukuthuthukisa ibhalansi ye-akhawunti yakho ye-jet kulesi sikhathi sonyaka.
Ukuqashwa kufakwa ehlobo
Enye yezindlela ezingcono kakhulu zokupaka imali ezinyangeni zasehlobo yenziwa ngamadiphozi asebhange wesikhathi esinqunyiwe. Ngokuhlala unomphela kwezinyanga ezintathu okuyisikhathi esihlala ehlobo. Le nketho ikhiqiza ifayela le- inzuzo isondele kakhulu ku-0,5%. Vele akukuningi, kepha okungenani kuzosivumela ukuthi singalahlekelwa yi-euro eyodwa ekutshalweni kwethu. Ngenzuzo yokuthi iwumkhiqizo webhange ongenawo amakhomishini nezinye izindleko ekuphathweni noma ekugcineni kwawo.
Ngakolunye uhlangothi, kuyithuba langempela lokuthola i- inzuzo engaguquki futhi eqinisekisiwe kulezi zinyanga. Noma yini eyenzekayo ezimakethe zezezimali, futhi ikakhulukazi ezimakethe zokulingana. Ukuze ngemuva kwalezi zinyanga uphinde uqalise ngokutshala izimali ezimakethe zezimali futhi. Lapho nje izimakethe zamasheya sezicacisiwe futhi ungaba nesinqumo esingcono sokwenza ukonga kube nenzuzo ngendlela esebenza kahle kakhulu kunakuze kube manje. Lapho zinganqunywa khona ngeziqinisekiso ezinkulu zempumelelo ngesikhathi sokwakha iphothifoliyo elandelayo yokutshala imali. Kuhloselwe zonke izikhathi zaphakade.
Amanothi ezithembiso zeBhange njengenye indlela
Lo mkhiqizo ubuye uthandeke kakhulu ukuze ubhalise ezinyangeni zasehlobo. Ifana kakhulu nokufakwa kwemali ebhange, kepha ngomehluko omkhulu. Yini i- kuzobizwa inzalo ngasikhathi sinye uyenza ibe semthethweni hhayi uma iphelelwa yisikhathi, njengoba kwenzeka ngokufakwa kwemali yesikhathi esimisiwe. Ngakolunye uhlangothi, asikwazi ukukhohlwa ukuthi izinkontileka zabo ziguquguquka kalula ukwedlula kweminye imikhiqizo eyenzelwe ukonga. Ngamagama aqala ezinsukwini ezimbalwa kuya eminyakeni eminingana ubude futhi ukusebenza kwawo kukhula kakhulu kuze kufike kufinyelela ku-1,50%.
Kodwa-ke, amanothi ezethembiso zebhange anenkinga enkulu futhi lokho ukuthi awahlanganiswa yilokho okuthiwa izimali zokuqinisekisa idiphozi. Lokhu kusho ukuthi uma ibhizinisi liqothuka ungalahlekelwa yiyo yonke imali etshalwe kumkhiqizo. Ngokwazi ukuthi ubungozi bakho bukhulu kangakanani ngaphambi kokuvela kwalezi zici. Ngaphandle kwezinga lenzalo abayinikezayo iyaheha ngempela ukumelana nalesi sici esishilo. Njengomphumela wayo yonke le minikelo, impela ingasetshenziswa kuphela ukuyenza ibe semthethweni izinyanga ezimbalwa kakhulu, impela lezo zasehlobo.
Isikhwama esithengiswa ngegolide
Uma okwamanje kukhona impahla yezezimali evelele ngaphezu kwakho konke, lokho kungaphandle kwensimbi ephuzi. Ngokunyuka okucacile okungenakulinganiswa kulo nyaka futhi lokho kwenza kube mnandi kakhulu kubatshalizimali abancane nabaphakathi. Ngakolunye uhlangothi, kunzima kakhulu ukutshala igolide, into ebaluleke kakhulu ukuthi utshale imali esikhwameni esisohlwini lwalezi zinto ezikhethekile nokuthi ungakwazi bika inzuzo enkulu yemali kulezi zinyanga ezintathu ezizayo. Ngomkhiqizo oyingxube phakathi kwezimali ezihlangene kanye nokuthengwa nokuthengiswa kwamasheya ezimakethe zezimali. Kepha ngamakhomishini angabizi kakhulu kuzintshisekelo zakho.
Njengempahla ephephile edume kakhulu, kungumshuwalense wokutshalwa kwezimali okwenziwe ngabatshalizimali. Ngokuqondile, njengendawo ephikisayo ukuqinisa idola kusuka e-United States, esikubona kuphakama okuqhubekayo futhi okwenza insimbi yegolide ithole amandla ezimakethe zezezimali. Ngakolunye uhlangothi, noma yikuphi ukulungiswa okunikezwa abatshalizimali kuyithuba lokuthenga langempela. Ingenye yezimpahla zezezimali ezinesici esihle kakhulu futhi ekhiqiza amandla okusikisela asikisela ezinyangeni zasehlobo.
Isikweletu somphakathi: siphephe kakhulu
Lokhu kungumkhiqizo wesikhathi sokuphila wamaphrofayli alondoloza kakhulu. Ziyizindinganiso ikhishwe ngesaphulelo ngakho-ke, inani layo lokutholwa liphansi kunenani umtshalizimali azolithola ngesikhathi sokuhlengwa. Umehluko phakathi kwenani lokuhlengwa loMthethosivivinywa (ama-euro ayi-1.000 XNUMX) nentengo yalo yokutholwa kuzoba inzalo noma isivuno esikhiqizwe nguMthethosivivinywa Wezezimali. Njengoba kuyizibambiso zesikhashana esifushane, ukwehluka kwamanani abo emakethe yesibili kuvame ukuba mncane impela; ngakho-ke, zibeka engcupheni ephansi kumtshalizimali olindele noma ongadinga ukuthengisa lezi ziphephelo emakethe ngaphambi kokuvuthwa kwazo.
Ngalesi sikhathi, uMgcinimafa ukhipha Imithethosivivinywa yoMgcinimafa isikhathi esinqunyelwe sezinyanga ezi-3 kuphela, inqobo nje uma isikhathi sasehlobo sisaqhubeka. Izinga lenzalo emaphakathi yalo mkhiqizo wemali engenayo lisondele ku-0,17% endalini yokugcina. Kusebenza kabi kodwa kuzokuvumela ukuthi ufinyelele ngenyanga kaSepthemba ngaphandle kwezinombolo ezibomvu ku-akhawunti yakho. Ngakolunye uhlangothi, futhi njengamanothi ezethembiso zebhange, uzothola inzalo ngasikhathi sinye enesivumelwano ngayo hhayi ekuvuthweni kwayo. Isici esizokuvumela ngokungangabazeki ukuthi ube nesikweletu esikhulu ezinyangeni ohlela ngazo amaholide akho nalapho kukhona nezindleko ezithe xaxa.
Sebenzisa ngamawaranti
Kukhona inketho ebekelwe kuphela amaphrofayli anolaka kakhulu wokutshala imali futhi ngomkhiqizo okhethekile njengalowo olungiselelwe izimvume. Lapho ungathola khona imali eningi kulezi zinyanga ezintathu ezizayo, kodwa ngendlela efanayo ilahle ngoba ingozi ingenye yezimpawu zayo eziyinhloko. Ngoba yethula i- Izinga eliphakeme lokusizakala kunemikhiqizo esele yokutshala izimakethe zezimali. Isu kuleli cala kufanele lihlose ukugxila kumasheya anomkhuba obheke phezulu, okungenani kuhloswe esikhathini esifushane naphakathi.
Ama-Warrant amamodeli wokutshala imali ahlukaniswa yiwo ukuguquguquka okuphezulu futhi ngoba kungaba yisixazululo sesikhashana ezinkingeni zakho zokutshala imali kuleli hlobo. Yize sigcizelela kuphela abatshalizimali abanephrofayili enolaka kakhulu. Lapho bengabela khona imali encane kuze kube inyanga kaSepthemba nangokuqapha okukhethekile kokusebenza okwenziwe ngale mikhiqizo yezezimali efanelekile ekwenzeni izikhundla ezinenzuzo ngomkhawulo ophakeme wokungenelela. Ngakho-ke, qaphela kakhulu le nketho ekutshalweni kwemali esikuphakamisayo.
Isinqumo sokugcina: yiba kwisikweletu
Kunoma ikuphi, kuhlale kunensiza yokusebenzisa izinyanga ezilindelwe isikhathi eside ehlobo ukuzihlinzeka ngemali ngaphambi kwezindleko ezingaphambili. Hhayi ngeze, kuzoba yifomula ukungakhathazeki ngokuthi kuzokwenzekani ngalesi sikhathi ezimakethe zezezimali, kokubili kumholo ongaguquguquki futhi oguquguqukayo. Lapho futhi kungaba yithuba lokuhlehlisa izikhundla ezimakethe zamasheya futhi ujabulele izinzuzo zemali eqoqiwe kuze kube manje. Uma kwenzeka kukhona, kuzosebenza njengezaba eziphelele zokusuka ezimakethe zezezimali isikhathi esithe xaxa noma esincane.
Ngakolunye uhlangothi, futhi njengesifinyezo, kufanele kuqashelwe ukuthi lesi yisikhathi sokushintsha noma ukushintshanisa iphothifoliyo yokubeka imali. Noma yiziphi izimpahla noma imikhiqizo yezezimali eyakhiwe njengamanje. Ngenhloso eyinhloko yokuyithuthukisa esikhathini esifushane nesiphakathi nangaphezulu kwezinye izinhlobo zokucatshangelwa kwezobuchwepheshe. Okuwukuthi ekupheleni kosuku okubandakanyeka kunoma yiluphi uhlobo lwamasu ezweni lemali elihlale liyinkimbinkimbi kanye nokutshalwa kwezimali. Kuya ngephrofayili oyethula njengomtshalizimali.