Enye yezinto ezintsha ezifanele kunazo zonke izimakethe zezimali ezisinikeza zona njengamanje yi ukwazisa ngezinsimbi. Kufika ezingeni lokuthi bakhiqiza amathuba okutshala izimali ezindaweni lapho zibhalwe khona. Ngokusebenza okuphezulu kunalokho okunikezwe ezinye izindlela zendabuko. Kulokho okwakha ithuba lokwenza ukonga kube nenzuzo kusuka manje kuqhubeke. Kunezindlela eziningi ongazisebenzisa ukuhambisa lokhu kulayishwa kahle. Ukusuka ekuthengeni nasekuthengiseni amasheya emakethe yamasheya kuya ekubhaliseni kwimikhiqizo yezimali eyinkimbinkimbi ngokwengeziwe.
Intengo yensimbi eyinhloko iyakhuphuka ngamandla athile kumaseshini wokugcina futhi esinye sezibonakaliso ezihamba phambili yilokhu okwenzeka nge-nickel kuyakhuphuka. Ngamazinga lapho kusikisela khona kakhulu ukuthi uzilungiselele ukuthenga okokuqala. Esinye sezizathu ezicacisa ukuthambekela kwamanje ezimakethe zensimbi kulele ku- ushintsho lomjikelezo webhizinisi. Manje sekulunge kakhulu ukuthi amanani entengo ehliswe kabusha futhi lapho indima edlalwe yiChina kulesi simo inesisindo esibaluleke kakhulu. Ngentshisekelo enkulu kulezi zimpahla zezimali futhi lokho kudala ukuthi izikhundla zokuthenga zinqobe ngokusobala ngaphezu kwalabo abathengisayo.
Ngalo mqondo, kufanele kuqashelwe ukuthi ingenye yezimpahla zezimali okungcono ukumelana nezindaba ezingezinhle ezithinta izimakethe zezimali. I- Inkinga yempi eNyakatho Korea, ukuhlaselwa kwamaphekula noma i-euro enamandla kakhulu, phakathi kokunye okubaluleke kakhulu. Abekho abatshalizimali abaningi abaphendukele kulokho kutshalwa kwezimali okuhlukile. Akumangalisi ukuthi zikhethelwe iphrofayili yomtshali-zimali echazwe kahle kakhulu ebonakaliswa ukuguquguquka kwayo okukhulu ukuvula izikhundla kunoma iyiphi impahla yezezimali. Ngisho nezinsimbi njengoba kunjalo kuleli cala elithile.
Izinsimbi: yiziphi izitoko ongakhetha kuzo?
Indlela elula futhi ewusizo kakhulu yokusebenzisa ngokunenzuzo lesi simo esikhetheke kakhulu ngezimakethe zamasheya. Ngezinkampani ezinikele ekuthengiseni izinsimbi ezifanele kakhulu. Aziziningi ezihlanganisiwe ezimakethe zotshalo-mali, kepha zanele ukwanelisa noma yiluphi uhlobo lwezimfuno kulokhu. Emakethe yamasheya yaseSpain kukhona ukuphepha okubili okuhlangabezana nalezi zidingo ngokunemba okukhulu. Omunye wabo owezizwe ngezizwe U-Arcelor Mittal nokuthi limile njengezintandokazi kubatshali zimali abancane nabaphakathi ukuthatha izikhundla kulo mkhakha.
Yebo, lo menzi wensimbi ukhuphuka ngentengo yayo ngamandla angaphezu kokumangazayo. Ngemuva kweminyaka emimbi kakhulu lapho abhekane nezimakethe zezimali nokuholele ekutheni amasheya akhe ahlolisise ama-euro amane ekulinganisweni kwawo. Manje kubonakala sengathi izikhathi ezinhle zenkampani ekugcineni sezifikile futhi zingathuthukisa uptrend ojulile kakhulu. Hhayi ngaphandle kokulungiswa kwentengo futhi okuzophinde kuphawuleke kakhulu ngenxa yokungazinzi okulethwe yileli nani lamanani ezizwe. Akumangalisi ukuthi abanye babahlaziyi bemakethe yamasheya abadume kakhulu babikezela ukuthi isenendlela ethile eya phezulu yokukhulisa ukuthenga kusuka manje.
I-Acerinox enombono kuma-euro angama-15
Enye yezindlela ezikhiqizwe izimakethe ukukhetha izinsimbi ngokungangabazeki i-Acerinox. Elinye lamathemba angunaphakade abatshalizimali abanolaka kakhulu. Abaningi babo balinde ukulungiswa okuzokwenzeka ukuze bangene ezimakethe zezezimali ngamanani ancintisana kakhulu kunamanje. Akumangalisi ukuthi enye yezinhloso zesikhathi esimaphakathi itholakala kuma-euro angama-15 ngesabelo ngasinye. Kodwa-ke, ungazuza kakhulu esimweni esihle sensimbi. Futhi ikakhulukazi i- insimbi okuncike kuyo ingxenye ebaluleke kakhulu yebhizinisi lakho.
Uma leli nani elixhunyaniswe nezinsimbi libonakala ngokuthile, kungenxa yokuthi lethula ifayili le- simo esishubile ephakeme kuneziphakamiso ezisele zemakethe yamasheya. Ngezikhathi ezibanzi, ukwazisa kwayo kuhlala kukhulu kunamanye amanani. Yize kunalokho, kuma-recessives kujwayelekile ukuthi amasheya abo awe kakhulu. Yile ndlela okwenzeka ngayo ekuqaleni kwenhlekelele yokugcina yezomnotho ngo-2007. Lapho yayithengisa khona ngaphansi kwesithiyo sama-euro ayisishiyagalolunye ngesabelo ngasinye. Lapho lezi zinkinga sezinqotshiwe, sekuyisikhathi sokudlula amazinga entengo. Yize ngezinga elithile kusenokwenzeka ukuthi sekwephuze kakhulu ukuvula izikhundla kulokhu kuphepha kwenkomba ekhethiwe.
Enye indlela: izimali ezihlangene
Kumaphrofayli avikela kakhulu, izimali zokutshala imali ezisuselwa kule mpahla yezezimali ezibalulekile zihlala zikhona. Kulokhu, akusiwo umbuzo wokukhetha imali yokulingana noma imali engenayo engaguquki, kodwa ngefomethi ehlukile. Zizwela kakhulu engcupheni kepha izinzuzo zinganelisa kakhulu izintshisekelo zabatshalizimali abancane nabaphakathi. Kuze kube seqophelweni lokuthi ingaphindeka kabili amamajini wemikhiqizo yendabuko. Ngokubi kokuthi azikho izimali eziningi ezimakethwa izinkampani zokuphatha futhi okuhlinzekwayo kumele kuhlaziywe ukukhetha isiphakamiso esinenzuzo enkulu.
Lesi sigaba sezimali, njengoba kunjalo ngezokuphepha ezinalezi zici, siguquguquka kakhulu futhi sinikeza ushintsho oluningi entengo yabo. Kuze kube seqophelweni lokwenza umtshali-zimali ongalingani abe novalo. Kuphela uma ucace kahle ngalo mbono lapho kuzodingeka uphinde wenze lo msebenzi ukwenza ukonga kube nenzuzo kusuka manje kuqhubeke. Yize isimo esihle ukuthi utshalomali ihlukaniswe nezinye izimali kwehluke kakhulu futhi lokho kungaphelelisa ukubheja ofuna ukukunika izimpahla zakho. Kunoma ikuphi, uzohlala unenketho yokuyidlulisela komunye umkhiqizo walezi zici ephephe futhi enezinga eliphansi lobungozi.
Ngemikhiqizo yokonga
Kukhona nendawo yecebo lokuzivikela kakhulu kuzo zonke izindlela zokutshala imali. Kuqhamuka kumadiphozithi etheimu ukuze yonke imali yakho ilawulwe ngaso sonke isikhathi. Ziyizibambiso ezixhunyaniswe namagugu alo mkhakha. Uzohlala unentshisekelo eqinisekisiwe, noma ngabe incane kakhulu cishe ku-1%. Ukwenza ngcono lokhu kubuyiselwa kokonga, amanani afakwe enteleni kuzofanele ahlangabezane nezinhloso eziphansi kwikhotheshini futhi avumele isivuno ukuthi sibe finyelela amazinga angaphezu kuka-3%. Kunoma ikuphi, imali yakho izohlala iphephile, noma intengo yamasheya yehla ngamandla akhethekile.
Ngakolunye uhlangothi, unethuba lokuthi kungumkhiqizo wezezimali olula ukufunda nokusebenzisa. Okunye okunikelwe kakhulu ukuthi ngeke kudingeke wenze noma yiluphi uhlobo lwezinkokhelo ezengeziwe. Ngoba impela, Akhululiwe kumakhomishini nakwezinye izindleko ekuphathweni nasekugcinweni kwawo. Ngokudonswa emuva kuphela ongeke ukwazi ukukukhansela kusengaphambili. Akumangalisi ukuthi le misebenzi ijeziswa kuze kufike ku-2% enhlokodolobha etshaliwe. Kungumxhaso wokwenza ngcono ukonga kusuka kumholo ongaguquki futhi ngaphandle kokuthi ubeke engcupheni izimpahla zakho nganoma yisiphi isikhathi. Nesikhathi saphakade esivela phakathi kweminyaka emibili noma emithathu cishe.
Izinyathelo zokuqapha ekusebenzeni ngezinsimbi
Kunoma ikuphi, kuhlale kunconywa kakhulu ukuthi ungenise izindlela ezilula zokuvikela ukuze ukwazi ukukhawulela ukulahleka okungenzeka kwalokhu kutshalwa kwezimali okukhetheke kakhulu. Kuzoba yinto okufanele uyihlelele noma yiliphi isu lokutshala imali ozolisebenzisa kusukela manje. Futhi bagxila kulayini wesenzo olandelayo.
- Ukutshala imali kuzinsimbi kuhlukile futhi ngalokho kufanele unikeze ukwelashwa okuhluke kakhulu maqondana nokutshalwa kwemali okusele. Ngoba ingozi izoba phezulu, ikakhulukazi ezikhathini ezinzima zomnotho.
- Akufanele unikele ngayo yonke imali oyongele kule mpahla yezezimali. Kepha kunalokho, kuzonconywa kakhulu ukuthi uxazulule njengokutshalwa kwemali okuhambisanayo kanye nezinye ezivamile. Ngokuqinisekile uzokugwema ukucasuka okungaphezu kokukodwa ngesikhathi esithile.
- Izinketho ozodingeka ukuhambisa lezi zimali zizoba mbalwa futhi kubo kubaluleke kakhulu kune hlaziya okunikezwayo ukukhetha imodeli yokutshalwa kwezimali eyanelisa kakhulu ngezintshisekelo zakho.
- I-Las ukushintshashintsha kwamanani abo kubonakala kakhulu futhi kuzo zonke izimo ngaphezu kweminye imikhakha. Ngomehluko owazisa kakhulu phakathi kwamanani asezingeni eliphakeme futhi aphansi futhi ongaholela enanini leminikelo yakho elihluka ngokujwayelekile ngokuhamba kwesikhathi.
- Ungahle ulingeke ukuthi utshale imali oyilondolozile njengamanje. Yebo, kungcono kakhulu ukulinda ifayili le- ukwephuka okukhulu kokunye kokuphikisana nakho okuyinhloko. Ukuze ngale ndlela, ube neziqinisekiso ezinkulu zokuphumelela ekusebenzeni.
- Futhi ekugcineni, ungakhohlwa ukuthi lokhu kungukutshalwa kwemali okuhloswe ngakho imigomo emifushane yokuhlala ukwedlula konke okunye. Ukuhlonipha lesi seluleko kuzokusiza ukuthi uthole izinhloso zakho ezinhlotsheni zamasu, zombili zinolaka futhi zivumelane namaphrofayli alondoloza kakhulu.