Lo Khisimusi kungenzeka ukuthi ubucabangile ngezinxushunxushu ezingagcina zithinte izimakethe zezimali kuleli elisha eselizoqala. Futhi uthathe isinqumo sokuthi indlela engcono yokunqoba lesi sikhathi sokungaqiniseki kungukufaka imali esikhathini. Kuyindlela ye- isu elilondolozayo kakhulu ukwenza ukonga kube nenzuzo kusuka manje. Kuyiqiniso ukuthi inzuzo oyitholayo incane, kepha okungenani ngeke ulahlekelwe yi-euro eyodwa ku- ukusebenza yenziwe. Ngemuva kwakho konke, kungenye yezinketho ezinikezwa yimakethe yasebhange.
Uma lesi kuyisinqumo sakho, kulula kakhulu ukuthi wazi ukuthi amanani wenzalo akhiqizwa yile mikhiqizo yokonga aphansi. Ngenxa yesinqumo esenziwe yi-European Central Bank (ECB) yokwehlisa intengo yemali. Lapho izintshisekelo endaweni ye-euro ziku-0%. Njengoba uzoqonda, inani lemali cishe alikho zero. Futhi lo mkhuba udlulisela ngokushesha kuma-deposit term. Akumangalisi ukuthi iveza inzuzo ezimweni ezinhle kakhulu kuyaqabukela kweqe ileveli engu-0,5%. Kufika ezingeni lokuba ngumthwalo wokwenza ngcono ibhalansi ye-akhawunti yakho yokuhlola.
Kunoma ikuphi, akudingeki ukhathazeke ngokweqile ngoba njengamanje unamasu ahlukile wokukwenza ukunqoba lezi zindawo zokuhweba ezibuthakathaka inikezwe ngamadiphozithi etheimu. Kulesi simo, ungakhuthaza ukunwetshwa kwemigomo yaphakade noma ukhethe nemikhiqizo ehloselwe amakhasimende amasha. Uma lesi kuyisinqumo sakho, akungabazeki ukuthi uzokwazi ukuthuthukisa izikhundla zakho kule mikhiqizo engenayo engaguquki. Hhayi ngaphansi kwephesenti elikhulu kakhulu, kepha okungenani ukuthola imali ethe xaxa minyaka yonke. Uyazi ukuthi amasu wokutshalwa kwezimali aqukethe ini?
Izintela: imigomo emide
Ifomula yokuqala yokufeza lezi zinhloso empeleni ukubhalisela kumadiphozithi anemigomo ephakeme yaphakade. Ngokwesibonelo, ezinyangeni eziyi-10,20, 30, 40 noma ezingama-XNUMX. Ngale ndlela, uzobe usesimweni esingcono sokushaya imingcele yayo entengantengayo yezentengiselwano futhi uzuze imbuyiselo kulokho okulondolozile phakathi kuka-0,50% no-1%. Akuyona imali eningi, kepha ekugcineni kosuku kuzokuvumela ukuthi ukhokhele isifiso esincane somuntu siqu minyaka yonke. Ngalo mqondo, uneziphakamiso eziningana ezivela emabhange ezihlangabezana nalesi sici.
Omunye wabo uboniswa ngokwanda izikhundla. Imishini yayo ilula kakhulu ngoba isuselwa eqinisweni lokuthi uma unomphela unomphela, ukukhuphuka kwembuyiselo ezokhiqizwa yile mikhiqizo eyisisekelo. Ngokusebenza okuphelele okulula ingafinyelela amazinga ka-2%. Futhi, eminye yale mikhiqizo yasebhange inikela ngenkokhelo yokukhokha inzalo minyaka yonke. Ngokusebenzisa amamodeli wempilo yakho yonke nalabo abazali bakho noma ogogo nomkhulu bakho abazobe bekusebenzisile kwezinye izikhathi. Yize ingekho ngaphansi kwefomethi yokufakwa okunyukayo njengoba ingeyokudalwa kwakamuva. Kunoma ikuphi, uzobe usuzifezile izinhloso zakho kusukela ngesikhathi sokuqasha.
Uholele phambili
Okunye okuhlukile engxenyeni yale mikhiqizo yasebhange kulele ekukhetheni imali kuxhunyaniswe nomholo noma imali engenayo ejwayelekile ngenxa yokusebenza komsebenzi. Ngoba empeleni, bayayamukela le ngxenye yemali engenayo esikhundleni sokukhuphula inzalo yakho. Ngaphansi kwephesenti ukuthi kumamodeli anolaka kakhulu angafinyelela kumazinga we-5%. Yize ingaphansi kwama-denominator achazwe kahle kuyo yonke le mikhiqizo. Isibonelo, ngezikhathi eziphansi kakhulu zokuhlala unomphela neminikelo yemali ejwayelekile.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi okungahambi kahle kakhulu ukuthi lezi zimali ezifakwa ebhange ngeke zikwazi ukuzivuselela ngomzuzu wokugcina wokuphela kwazo. Kunoma ikuphi, kuzodingeka ukuthi uhlaziye izici zazo uma kwenzeka kulula noma ungazibhalisi kusukela manje kuqhubeke. Ngoba futhi kwezinye izimo kuyadingeka ukuthi kufanele ukudonswa kwemali ngqo kwezinye izikweletu zasekhaya (amanzi, ugesi, igesi, njll.). Kunoma ikuphi, kungenye yezindlela onazo kusuka manje kuye phambili ukwenza ngcono ibhalansi ye-akhawunti yakho yokuhlola.
Baxhumanise nezinye izimpahla zezezimali
Futhi isixhumanisi nezinye izimpahla zezimali ngeke sibe khona njengecebo lokuthuthukisa amazinga wenzalo. Ngokuvamile ephuma esikhwameni nokuthi bafuna ukuthi bafeze uchungechunge lwezinhloso kwikhotheshini yamanani abo. Kuyindlela okufanele uthuthukise ngayo inzuzo kanye namazinga okusondela ka-5%. Kunoma ikuphi, uma ungazifezi izinhloso, ungakhathazeki ngoba uzoba nentshisekelo ehleliwe futhi eqinisekisiwe kuzo zonke izimo.
Lelisu lokutshala imali akudingeki ligcine emakethe yamasheya kuphela. Vele akunjalo, kepha futhi nakwezinye izimpahla zezezimali. Isibonelo, izinsimbi eziyigugu, izinto zokusetshenziswa futhi yize kungabonakala kungakholeki kuwe, ngisho nokuvela kwenkomba yaseYurophu okuxhunyaniswe kuyo nemalimboleko eseSpain, I-Euribor. Ngakho-ke, uma okulindelwe kufinyelelwa, lawa madiphozi azokwazi ukufinyelela ezingeni lenzalo ka-5%. Kunoma ikuphi, uzohlala unemali eqinisekisiwe.
Nweba imigomo yokuhlala
Enye yezindlela ezilula onazo ngalesi sikhathi zokuthuthukisa inzuzo yale mikhiqizo yasebhange ukunweba imigomo. Ukuziyisa kuma-maximums athengiswa ngawo ngamabhange. Ngamamodeli angama-24, 46, 58 futhi aze afike ezinyangeni eziningi. Ngenye yezindlela zokukhuphula okweshumi emholweni abakunikeza wona lapho ubaqasha. Vele, akusikho ukweqa okulinganiselwe, kepha okungenani uzothuthukisa amamajini wezohwebo abuthakathaka anikezwa ngawo abasebenzisi. Ngokujwayelekile kuhloselwe iphrofayili yeklayenti lapho isimo sabo sokulondoloza silawula ngaphezu kokunye ukucatshangelwa okungeziwe.
Lezi zinhlobo zamadiphozithi wesikhathi eside zikuvumela ukuthi ungazazi kakhulu izimakethe zezezimali isikhathi eside. Ngaphezu kwalokho, uzokwazi kusengaphambili intshisekelo yokuthi izolungiswa ezinkontilekeni ngaphambi kokwenza umsebenzi ngokusemthethweni. Cishe wonke amabhange anediphozi yalezi zici. Kwamanye amacala angaphansi kwefomethi yokufakwa okwandayo. Ngamanye amazwi, njengoba iminyaka ihamba, izinga lenzalo likhula ngokuqhubekayo. Ngakolunye uhlangothi, awanamakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni.
Izinkontileka zifakwa phesheya
Kusengumsebenzi onenzuzo enkulu okwamanje. Kepha ngemininingwane okufanele uyazi. Yize kungukusebenza okusemthethweni ngokuphelele, ungadinga shintsha imali futhi le nhlangano izodinga ukuthi ukhokhe ikhomishini enkulu ngokungangabazeki ezojezisa ukwenziwa ngokusemthethweni kwalo mkhiqizo wasebhange. Ukuthi kuzosusa okunye ukuncintisana kwakho maqondana nezinzuzo ezitholakala ngaleli su elikhethekile lokutshala imali.
Okunye okwehlukile okukunika inzuzo kusuka manje kuqhubeke yizinkontileka nezinye zezimali. Unezinye izindlela eziningi lapho ungakhetha khona lo mkhiqizo webhange. Phakathi kwezinto ezibaluleke kakhulu yi-franc yaseSwitzerland, iphawundi laseBrithani noma i-yen yaseJapan. Kodwa-ke, kufaka phakathi uchungechunge lwezingozi ezinye izindlela ezihlupheka ngazo. Kunoma ikuphi, kuyisu elithile elikhethekile lokwenza ngcono ibhalansi ye-akhawunti yakho yokonga. Futhi ungabhalisela kusuka kunoma yiliphi ibhange phesheya futhi nakwamanye amazwe.
Ifomethi ye-Intanethi
Ekugcineni, awukwazi ukukhohlwa ngamadiphozithi akwi-inthanethi akwazi ukuphatha ukukhuphuka ngamaphesenti ambalwa eshumini ngokuqhathaniswa nokunikezwa okuvamile. Ngenzuzo ongayenza ibe semthethweni kahle kusuka ekhaya noma enye indawo futhi nganoma yisiphi isikhathi sosuku. Ngayo yonke imigomo yaphakade futhi enemibandela efanayo yokwakhiwa kwempilo yonke. Kungumkhiqizo wasebhange otholakala ngokwengeziwe ekunikezelweni kwezikhungo zezikweletu. Ngezici ezifana kakhulu kuzo zonke. Kufike ezingeni lokuxazulula njengokufakwa ngaphansi kwemithetho yakhona.
Ngakolunye uhlangothi, awukwazi ukukhohlwa nganoma yisiphi isikhathi ukuthi lolu hlobo lwamadiphozithi etheimu kungenzeka ukuthi abhaliswe ngamakhasimende amancane. Vumela wena yenza ngokusemthethweni nezidingo zakho. Kokubili kulokho okubhekisa kwimigomo yokuhlala unomphela, amanani aphansi ngisho nokuwavuselela ngokuzenzakalela. Lapho ngaso sonke isikhathi uzokwazi imali ozoyikhokhisa ngokungasebenzi kwemali yakho. Imvamisa iqondana nokuphelelwa yisikhathi kwayo, njengenye yezinto ezijwayelekile zentuthuko yayo.
Ngomunye wokunikezwa okubaluleke kakhulu emakethe yasebhange. Kunoma ikuphi, yonke le mibono izomela indlela yokukuqinisekisa ukuthi awudingi ukushiya phansi amandla akho ezentengiselwano ezikunikeza wona ezikweletini okwamanje. Ukuba ngenye yezindlela ezilondolozeka kakhulu ezikhwameni ezichumayo zokutshala imali. Kepha kulokhu ngomholo ongaguquguquki futhi oqinisekisiwe njalo ngonyaka.