Ungahle ungazi, kepha uma ungumtshali-zimali, ungagcina nemali ekusebenzeni kwakho okujwayelekile emakethe yamasheya. Futhi ngaphansi kwamanani athakazelisayo kunalokho ongase ucabange ngakho ekuqaleni lapho wenza le ndlela. Futhi nokuthi ungazinikezela ukuze uzinikeze isifiso esincane ngezikhathi ezithile, sikusebenzise ukukhulisa i-akhawunti yakho yokonga, noma mhlawumbe uhambo oluncane nabangani bakho. Kunoma ikuphi, akufanele ukubukele phansi lokhu, okungahle kube ngokoqobo uma unesinqumo sokukusebenzisa ngentando esobala.
Kujwayelekile kufayela le- ukulondoloza yenziwe ngazo zonke izinhlobo zezenzo nobudlelwano bezentengiselwano babasebenzisi. Baqala kuphi kusuka ziqukethe izindleko zezindleko ezinkulu zasendlini (ugesi, amanzi, igesi, njll.), ongayenza njalo lapho uya esitolo, noma ezitolo eziseduze nekhaya lakho. Akunangqondo nakancane kunoma yikuphi ukusebenza okwenzayo engxenyeni yakho. Kepha lapho ubungeke ucabange ukuthi ngokusebenza kwemakethe yakho yamasheya ungazifeza lezi zinhloso ezifunwa izintshisekelo zakho njengomthengi.
Amasu okutshala imali azosebenza kakhulu njengoba uthuthukisa ama-oda amaningi wokuthenga nokuthengisa unyaka wonke, noma okungenani ingxenye enhle yonyaka. Akumangalisi ukuthi uma ungumtshalizimali wesikhathi esisodwa futhi ngezikhathi ezithile, ngokusebenza okukodwa noma okubili ngonyaka, ukonga ngeke kubonwe ngokweqile ku-akhawunti yakho yokuhlola. Akumangalisi ukuthi ukonga okukhulu kakhulu kuzokwenzeka kubasebenzisi abenzayo ukuhweba okwengeziwe ezimakethe zezimali, kuba ngcono. Kuzoba ukhiye wempumelelo lapho usebenzisa leli su elihlongozwayo.
Yiziphi izimakethe zamasheya ezingabizi kakhulu?
Umthombo wokuqala wokonga uqhamuka lapho izimakethe zamasheya kulapho uthatha khona izikhundla ukwenza ukonga kwakho kube nenzuzo. Kulesi simo, nangokuphepha konke, lokho kuzoba izimakethe zikazwelonke ezikunikeza amanani ancintisanayo kakhulu. Hhayi ngeze, ungakwazi yonga cishe ama-50% wamakhomishini ziphathelene nezimakethe zomhlaba wonke (iFrance, iJalimane, i-Italy, iGreat Britain, njll.).
Ngaphezu kwalokho, le nketho ngeke isuse ukusebenza kwesiphakamiso sakho sokutshala imali. Izimakethe zaseSpain njengamanje zinikela ngazo zonke izinhlobo zezinhlinzeko, ezinemikhakha nokuvikeleka kwezinhlobo ezahlukahlukene, ezinokuncane noma okungenalutho lokufisa labo ababalwe kwezinye izimakethe zangaphandle. Kuze kube seqophelweni, ukuthi kusuka kwamanye amabhange nakubalamuli bezezimali, bakunikeza nge isilinganiso esiphansi ngakho-ke ungonga imali eningi ngokuhweba ngamasheya. Isiphakamiso esisikisela kakhulu, ngaphandle kokungabaza, sokuqukethe lezi zindleko.
Njalo lapho ulingeka ukuba uphumele ngaphandle kwemingcele yethu ukuhlangabezana nalesi sidingo, akufanele ukukhohlwe lokho imisebenzi izohlala ibiza kakhulu, futhi ngaphandle kokusebenza ongakufinyelela ekusebenzeni kwesitoko sakho. Njengomphumela walesi simo esiveziwe, uzobe usunayo indlela yokuqala ngaphambi kwakho yokwenza ukonga kulo msebenzi kube ngokoqobo.
Ngalo mqondo, isu lakho lokuqala kufanele lincike ekutshaleni imali emakethe kazwelonke ngaphezu kwakho konke okunye. Enzuzweni yezomnotho, kuzokwengezwa iqiniso lokuthi uzokwazi kakhulu izingxenye zalo. Ngeke zikwazi ukungajwayelekile kuwe, futhi kungenzeka ukuthi usuvele usebenze nazo izikhathi ezingaphezu kwesisodwa. Ukwazi ukwenza isu lokutshala imali elisekelwa yiminyaka eminingi yesipiliyoni.
Gcina ngokusebenza njalo
Uma ungomunye walabo abatshalizimali abagqugquzela imisebenzi eminingana yokuthenga nokuthengisa phakathi nenyanga, ungasebenzisa ngokunenzuzo amanani aphansi izikhungo zezezimali ebezimaketha amaklayenti asebenza kakhulu ezimakethe zezimali. Nge- imali engaguquki njalo ngenyanga, ebekwe phakathi kwama-euro angama-20 kuya kwangama-30, uzoba nethuba lokwenza imisebenzi ngaphandle kwemingcele noma imikhawulo yanoma yiluphi uhlobo.
Leli zinga elikhethekile lizokuvumela ukuthi wenze ukonga kulezi zindleko kungabi yinto encane, futhi lokho kungafinyelela kuma-euro amaningi unyaka nonyaka, inqobo nje uma ucindezela ama-oda amaningi alezi zici njalo ngenyanga. Yize ngokuqinisekile nakuleli cala uzokhawulelwa ekwenzeni kubo ezimakethe zikazwelonke, lapho lokhu kunikezwa kuthengiswa kakhulu ngamanani abo. Akumangalisi ukuthi ngamanye ama-akhawunti wokuhweba ngalesi sikhathi, ukonga kungasondela kuma-euro ayikhulu ngenyanga ngayinye lapho usuthole khona leli zinga.
Kodwa-ke, uma ukhetha i- izimakethe zomhlaba wonke Iziphakamiso zokubandakanya izindleko zabo zizokwehla kakhulu. Kepha ngokuba nokunikezwa okuncane, bayayeka ukufeza lezi zifiso zokweqa imingcele ezimakethe zezimali. Futhi lapho ukonga kungaba kukhulu kakhulu kunakwamanye amafomethi, ngqo ngenxa yokwanda kwamakhomishini nezindleko ekuphathweni nasekulondolozweni. Kulula ukuthi uyikhumbule kusukela manje kuqhubeke, uma uzobhekana nanoma yisiphi salezi zimo ezinyangeni ezizayo.
Ukuqoqa ama-oda wokuthenga
Njengoba wazi ngokuqinisekile, amamaki wokulamula asebhange asebenza kuwe ehla enyuka ngokuya ngenani eliphelele lomsebenzi owukhuphule ezindaweni zokuhweba. Icebo elincane lokwehlisa izindleko ukuhlanganisa imisebenzi yakho yokuthenga (noma yokuthengisa). Esikhundleni sokwenza ezine noma ezinhlanu ezincane kakhulu, kungcono ukukuhlanganisa kube okukodwa nokukhudlwana. Hhayi ngeze, uzokwazi ukubona cishe ngaso leso sikhathi, ama-euro amaningi ongawonga uma ukhetha leli qhinga loqobo, kepha ngasikhathi sinye lisebenza ngempela.
Kuyiqiniso ukuthi kuzokuvimbela ekuhlukaniseni utshalomali, kepha ngokushintshanisa amandla wokubuyekeza ongawazuza azokwandiswa kakhulu ngokumangazayo. Kunoma ikuphi, kuzokuholela ekutheni wenze umzamo wokukhetha ukuphepha okwakha iphothifoliyo yakho yokutshala imali. Kuyisiphakamiso esihle kakhulu semigomo yobude obumiselwe isikhathi esimaphakathi nesikhathi eside. Futhi lokho kungaba ngisho inikwa amandla ukuphepha kwezabelo eziphakeme. Bangakunika isivuno esiphakathi kuka-3% no-8% njalo ngonyaka. Ngaphezu kwalokhu okunikezwe kumikhiqizo eyinhloko ngokuya ngemali engenayo engaguquki (imali yesikhathi, amanothi ezethembiso, isikweletu somphakathi, njll.). Ukwakha imali engenayo engaguquki kokuguquguqukayo.
Uzoqala ukuqaphela imiphumela yokonga kubhalansi ye-akhawunti yakho yokuhlola kusukela ekuqaleni, unempilo yayo. Hhayi kuphela izindleko eziqukethe, kepha futhi nokwenza ngcono ukuphathwa kwezimali. Futhi ngenxa yalokho, nge izinketho ezinkulu zokwenza imali enenzuzo ukugxila kunani elilodwa. Njengento engeyinhle, izingozi nazo zizokwanda, yize ungazinciphisa ngokusebenzisa i-stop loss order, esaziwa ngokuthi yi-stop loss.
Izipesheli nezenyuso ezivela emabhange
Akungabazeki ukuthi kufanele unake kakhulu zonke iziphakamiso izikhungo zezimali ebezithuthukisa ukuheha inhlokodolobha yamakhasimende azo, futhi ongazuza kuzo nganoma yisiphi isikhathi nasesimweni, ngokugcina imali eningi. Iziphakamiso zinemvelo ehlukahlukene, futhi zenziwa ngisho nangaphansi kwamasu okuphikisana ngokuphelele nezindlela zabo. Okuvame kakhulu ukwethula amanani ashibhile angaba nawo isaphulelo esizungeze ama-30% kuzintengo zabo zoqobo. Ukuba khona engxenyeni enhle yokunikezwa yasebhange. Ukuze wakhe i-akhawunti yezokuphepha, futhi ngaphandle kwezimfuno ezinkulu.
Indlela enolaka kakhulu isuselwa ekudlulisweni kwephothifoliyo yokutshala imali amabhange aklomelisa ngayo amaklayenti amasha, kufaka phakathi ngemali, kuya ngebhalansi enikelwe abasebenzisi. Futhi lokho kusebenza ikakhulukazi lapho bezama ukushintsha amabhange, nganoma yisiphi isimo. Futhi kuleli cala elilodwa, ukukhuthazwa kokonga kungabonakala ngaphandle komzamo owedlulele, futhi ngaphezu kwamanye amasu ajwayelekile.
Futhi akuyona i- ukuqedwa kwezinye izindleko ukubandakanyeka ekusebenzeni ezimakethe zokulingana. Ngokuvamile zikhula kancane kunazo zonke, futhi zisiza ukulondolozwa. Kepha noma kunjalo, kuzoba ngenye indlela yokuthi kufanele usike konke ukuvuza kwemali ngesikhathi senqubo yokutshala imali emakethe yamasheya. Kunoma ikuphi, kuzofanele wazi kahle ukuvela kwale minikelo yokuphromotha, ngoba ifika ngesikhathi, futhi ivela ngezikhathi ezithile.
Lungisa amanani okuthenga nokuthengisa
Kunoma ikuphi, indlela engcono yokufeza le migomo oyifunayo ukuzama ukuhlela kahle ama-oda wokungena nokuphuma ezimakethe. Noma ikuphi ukuphambuka, phezulu noma phansi, kungabiza ama-euro amaningi kakhulu kunalokho ongakucabanga ekuqaleni. Futhi njengoba ukusebenza kunamandla amakhulu, imiphumela izobonakala kakhulu. Iseluleko esihle kakhulu sokufeza lokhu ukugcina a ukubekezela okuqhubekayo, futhi hhayi ukwenza umsebenzi ngamunye ngaphandle kwesisekelo.
Noma iyiphi inzuzo oyithola ngaphezulu kwe-10% izoba ngaphezu kokugculisayo, kuze kube seqophelweni lokuthi awudingi ukusebenzisa amanye amasu angeziwe ukukhuthaza ukonga kulolu hlobo lokusebenza. Ekupheleni kosuku kuzoba inhloso lapho izenzo zakho emakethe yamasheya zilawulwa khona.
Futhi kuzobaluleke kakhulu ukuthi uhlale ukukhumbula lokho akuwona wonke amabhange anikela ngamanani afanayo, kodwa hamba ngokuphambuka okuncane. Kufanele ukhethe okuncintisana kakhulu, inqobo nje uma izinsizakalo ezinikezwayo zisezingeni eliphakeme futhi unethezekile ngezinzuzo zazo. Futhi lapho amafomethi aku-inthanethi yiwo ahlinzeka ngamanani angcono kakhulu, anezinketho eziningi zokonga. Ngaphezu kwalokho, ngamathuba wokuthenga nokuthengisa amasheya ngesikhathi sangempela.
Njengoba ubonile kulolu lwazi, kunemithombo eminingi ongaphendukela kuyo ukuze iqukathe izindleko zotshalo-mali lwakho futhi wonge imali, nokuthi kufanele uncike kuphi kunketho evumelana nephrofayili yakho njengomtshalizimali omncane.