Ukutshala imali ngoDisemba ngaphandle kokuba semakethe yamasheya

UDisemba uyinyanga evamile yokuthengisa ezimakethe zezimali, kodwa uma nganoma yisiphi isizathu ungafuni ukuziveza kulezi zimakethe zezezimali, unezinye izindlela ezingaphepha. Inzuzo oyitholayo ngeke ibe banzi njengasesikhwameniKepha okungenani ungakwazi ukukhokhela ama-quirks akho amancane kulawa maholide. Ngenhloso esheshayo yokwenza imali oyigcinile ngenkathi unomphela cishe inyanga eyodwa. Ukuze ngokuhamba kwesikhathi uvivinye ezinye izinhlobo zotshalo-mali noma uqalise nokutshalwa kwezimali ezimakethe zamasheya ukuze uthuthukise izikhundla ezikwi-akhawunti yakho yokonga.

Kuzo zonke izimo kungukutshalwa kwemali okunezinhlobo ezifanayo futhi okusho ukuthi izinga labo lokuhlala lifushane kakhulu. Ngokwenzayo, izinsuku le nyanga ebalulekile yonyaka equkethe ngazo ukuthola imali encane njengomphumela wenzalo kule mikhiqizo yezezimali. Ngale ndlela, zifakiwe kusuka kumamodeli okuhlukile kwendabuko izinhlelo zokonga ezenziwe ngamabhange. Lapho inzuzo ingeqiniso ukuthi izolinganiselwa futhi ayivamile ukweqa amamajini wokulamula azungeze u-1%.

Esinye isici okufanele sihlolwe ukuthi zizoba wukutshalwa kwezimali okucaciswe kakhulu futhi akunakwenzeka ukuthi kube nezinga lokuhlala unomphela. Kulokho okwakhiwa njengotshalomali olubizwa ngebhuloho futhi lokho kunenhloso yokulinda umzuzu ongcono wokubuyela ezimakethe zezimali. Kepha ngendlela yokuthi imali ikhiqize inani eliphansi lenzalo ukuze kube anele amandla okuthenga ngabatshalizimali abancane nabaphakathi. Njengolunye lwezimpawu zalesi sigaba esikhetheke kakhulu ukwenza ukonga kube nenzuzo.

Izintela ezixhunyaniswe nemakethe yamasheya

Bangakwazi ukuqashwa kusuka ku-1.000 euros ngemigomo yokuvuthwa esukela eminyakeni engu-1 kuye kwengu-10 futhi enesikhathi esisodwa sokubhaliselwe esiphela ngosuku olumisiwe noma lapho inani eliphelele elibekiwe libhalisiwe. Ngaphandle kokuthi kukhonjisiwe noma kuqinisekisiwe okufaka imali kubhasikidi wezokuphepha obhalwe ezimakethe ezinkulu zamasheya emhlabeni. Akhiwa njengefomula ekhetheke kakhulu yokwengeza inzuzo enikezwa yile mikhiqizo, noma ngabe kungakanani izindleko zokuhambisana nochungechunge lwezidingo.

Kunoma ikuphi, kuyindlela ephephe kakhulu kunokutshalwa imali ngqo emakethe yamasheya ngoba uhhafu wotshalo-mali uhlobene nemali engenayo engaguquki kanti enye ingxenye ihlobene, ngokuphelele noma ngokwengxenye, ekuguqukeni kwe ama-indices, amasheya, izimali noma enye impahla kubhekiswe kokubili ezimakethe zikazwelonke nezamazwe omhlaba. Naphezu kwakho konke, akukho okunye abangakwenza ngaphandle kokuqikelela ikakhulukazi lezi zinhlobo zemikhiqizo ngoba zihlukaniswa yiqiniso lokuthi inhlokodolobha ingaqinisekiswa noma ingaqinisekiswa, kepha uma kungenjalo, iklayenti lingalahlekelwa lonke utshalomali lwabo., kuya ngezimpawu zediphozi ngayinye.

Ukutshalwa kwezimali okuningi okusha

Ukubhekana nephrofayili yabatshalizimali abancane nabaphakathi abanolaka ngokwengeziwe, lesi sikhathi sonyaka singasetshenziselwa izikhundla kwezinye izimpahla zezimali. Ikakhulukazi lezo ezivela kumathrendi we-bullish kakhulu. Ngoba lezi ziphakamiso zokutshala imali zingakwazi uvune izinzuzo ngesikhathi esifushane kakhulu. Ungathatha izikhundla, kuzimpahla ezifana nempahla noma izinsimbi eziyigugu. Kodwa-ke, ukubuyela emuva kwayo okuyinhloko ingozi enkulu yokusebenza ngoba ingaveza imiphumela ehlukile. Futhi ngenxa yalokhu kusebenza, ukulahlekelwa yimali eningi ekunyakazeni ezimakethe zezezimali.

Ngenkathi ngakolunye uhlangothi, lokhu kungukusebenza okushesha kakhulu nokushesha okuphela ngesikhathi esifanele lapho kufakwa khona inzuzo. Kepha kulokhu, ngomehluko omkhulu kakhulu maqondana namanye amamodeli otshalo-mali. Futhi kubhekiselwa kuyo njengomphelelisi wokutshalwa kwemali ngabasebenzisi. Ezimweni ezingekho kulezi njengokutshalwa kwezimali okuyinhloko kusukela ku- izingozi ziphakeme ukwedlula kwezinye iziphakamiso. Futhi-ke, ngaphansi kwenani eliphansi kakhulu elingafuneki kuzo zonke izimo.

Ukuvula i-akhawunti yokonga

Ungasizakala ngalesi sikhathi sonyaka ukuze ubhalise i-akhawunti yokuphromotha namabhange akuvumela ukuthi wenze isivumelwano sentela yesikhathi esimisiwe phakathi kwezinyanga eziyi-1 nezingama-3. Banikela ngembuyiselo ephezulu kunangezinye izimo ngokukhuphula inani lenzalo libe ngu-3%. Kepha awukwazi ukuyivuselela lapho iphelelwa yisikhathi, futhi awukwazi ukuyikhansela ngaphambi kwesikhathi. Kepha kuyindlela elula yokwenza ngcono umholo esikhathini eside kangako. Ngesici esikhetheke njengokuthi lezi zimali zinesamba esiphezulu semali okufanele ikhokhwe.

Izibopho zaseYurophu

Enye indlela onayo okwamanje ukuya kule mpahla yezezimali kulimaze isikweletu semikhawulo, ikakhulukazi iSpanish. Njengoba kunikezwe ukungabaza okwenziwe nguhulumeni ezweni lethu nokuthi ngaphandle kokungabaza kungakala phansi inzuzo yamabhondi aseSpain. Ngenkathi ngakolunye uhlangothi, kufanele kugcizelelwe ukuthi lo mkhiqizo wezezimali ungabhaliselwa isikhathi esifushane kakhulu, njengenyanga. Ngokuqondile isikhathi esifuna ukusifaka ekusebenzeni kwethu futhi esingenziwa sibe semthethweni ngokusebenzisa abalamuli abahlukahlukene bezezimali. Ngokusetshenziswa kwezinga lenzalo lokho kusuka ku-1% kuye ku-2%. Kulungisiwe futhi kwaqinisekiswa ngesikhathi sokuphelelwa yisikhathi, kulokhu inyanga

Lokhu ekugcineni yizinketho onazo njengamanje zokwenza ukonga kwakho kube nenzuzo esikhathini esifushane njengalenyanga kaDisemba. Yize kufanele wazi ukuthi awudingi ukulinda ukubuya okuhle. Hhayi kancane. Uma kungenjalo kunalokho, ukuphuma endleleni yokuqeda unyaka ngezinzuzo ezithile zemali.

Imali eku-inthanethi

Umehluko omkhulu abanawo maqondana nemali evamile yendabuko ukuthi bangabhaliswa kalula nge-Intanethi ngaphandle kokuphuma ekhaya, kepha futhi nokuthi banikeza imbuyiselo ephezulu, ebenza babe umkhiqizo othakazelisa kakhulu wabasebenzisi basebhange. Umholo abawunikezayo awulingani ngokuya ngomnikelo okhona, osukela ebangeni eliphakathi kuka-0,75% no-1,15%, ngokuya ngezici zabo netemu elikhethiwe, yize ezinye izinhlangano zibahlobisa ngezipho njengefomula yokuheha amakhasimende amaningi. Izidingo zokufinyelela kulolu hlobo lwediphozi zincane, kufanele ube yikhasimende lebhange eliku-inthanethi noma ibhange lokulondoloza futhi ube nephasiwedi ozosebenza ngayo ngenkathi kwenziwa isivumelwano.

Izimali ezibhekele ukutshalwa kwezimali

Abatshalizimali bangakhetha ukutshala izimali izikhundla zabo ezincike ezinkampanini ezinenqubo yokuziphatha, yezenhlalo noma yezemvelo, ngendlela ebavumela ukuthi baziqondanise ngokuvumelana nezinkolelo zabo, ngaphandle kwenzuzo abangayinikeza ababhalisile. Ungathola izimali ezisekela iphothifoliyo yazo kuzinqubo zokuziphatha zebhizinisi ezilungile noma ezinye ezakha umkhawulo wokungatshali imali ekukhiqizeni izingalo, iziphuzo ezidakayo kanye nezimboni zokukhiqiza ugwayi. Ezinye izimali zokutshala imali zinikela ngo-0,7% wekhomishini yokuphathwa kwesikhwama ezinhlanganweni ezingekho ngaphansi kukahulumeni, kanti ezinye zimiselwe ukongiwa kanye nokuvuselelwa kwamasonto ababhishobhi abayingxenye yeArtistic Heritage yaseSpain.

Amasu wokonga

Amabhange nezikhungo zezikweletu bethula ezinye izinhlobo zama-akhawunti ezinikeza umholo ophakeme kumakhasimende abo, yize ngenxa yokwehla kwamanani wenzalo angajwayelekile, lawa amacala lapho edlula khona ama-2% futhi, lapho amaqhinga amaningi okuwathengisa elele khona ngokunikela ngenzuzo yabo ngokususelwa kumathrekhi, ukuze kuklonyeliswe inani elikhulu kakhulu elifakiwe. Izimpawu zalolu hlobo lomkhiqizo ukuthi azibandakanyi imali yesondlo noma yokuphatha futhi zihambisana nezinye izinsizakalo zamahhala zabanikazi bazo njengokukhokha ngqo noma ukuthola amakhadi mahhala ngokuphelele. Ngenxa yokwehla kwamanani wenzalo kwakamuva nokuqhubekayo, izinhlangano eziningi zikhethe ukukhohlwa ngamanani amisiwe futhi zinikeza lolu hlobo lwama-akhawunti abhekiswe ku-Euribor, kanti kwezinye izimo ziwasusile ngqo kunkokhelo yawo yasebhange.

Faka imali esiliva

Eminyakeni yamuva nje kube ne-rally ebalulekile yokuhlomulisa eye yazuzisa bonke abasindisi, abathi ngandlela thile, babekwe emakethe yesiliva futhi, ebekiwe njengelinye lamathuba amakhulu okubeka imali ngenxa yokhulu inzuzo eyenze eminyakeni yamuva, ngaphezu kwezinye izimpahla zezimali ezisezingeni eliphakeme, futhi ngokuqinisekile idlula izimali zamazwe omhlaba. Ngakolunye uhlangothi, le nsimbi eyigugu, ivale kulo nyaka ngokubuyekezwa okubanzi, yafinyelela ku- $ 17,48 nge-ounce emakethe yaseLondon, emele inzuzo ka-61% uma kuqhathaniswa nonyaka owedlule lapho yayidayisa khona. ka- $ 10,80, yize ingabalulekile kangako uma iqhathaniswa nentengo yayo eminyakeni emibili edlule lapho intengo yayo ifinyelela ku- $ 14,77, okusho ukuthi ukuvuselelwa kabusha okulinganiselwa ku-18%.


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Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.