Futhi kungani ungatshali imali engenayo engaguquki?

imali engenayo

Izikhathi eziningi lapho sikhuluma ngokutshalwa kwezimali sisho izabelo. Lapho imali engenayo engaguquki futhi iyindlela yokutshala imali. Futhi kungasiza kakhulu ezimweni ezithile zezomnotho. Ngenzuzo eyengeziwe leyo iza ngezindlela ezahlukahlukene nangemvelo ehlukahlukene. Ngoba empeleni, imelwe yimikhiqizo ehlukahlukene yezezimali. Kusuka kumadiphozithi wesikhathi kuya ezimali zotshalomali ezixhunyaniswe nalezi zimpahla zezimali Kuningi ongakhetha kukho ngokuya ngephrofayili oyethula njengesilondolozi esincane.

Ngoba imali engenayo engaguquki ibonakala ngokuhlukahluka kakhulu. Okungenzeki, ngokwesibonelo, okuphuma kokulingana. Ngeke ube nokunye ongakwenza ngaphandle kokucabanga ukuthi izimakethe zemali engenayo ezingagciniwe azigcini ngokubonakala ngokuvela kwenqubomgomo yezimali kepha nangemicimbi yezepolitiki. Phakathi kwawo kunwetshwe amasu ezomnotho kusuka ku-Fed ne-ECB. Ngezinga elinganquma ngalo ukuthi ungena noma uphuma ezimakethe zezezimali nganoma yisiphi isikhathi. Lapho kuvele khona amathuba ezimakethe zabo. Lapho into enzima kakhulu ukuzibona ngesikhathi.

Ukukhipha ifayela le- lula noma cha ukuvula izikhundla emakethe yemali engenayo engaguquki ukuthambekela kwamazinga wenzalo kuzobaluleke kakhulu. Kokubili ezwenikazi elidala nangakolunye uhlangothi lwe-Atlantic. Ngalo mqondo, noma yikuphi ukuguqulwa kumkhuba wale pharamitha yezomnotho kuzosebenza ikakhulukazi. Kusukela kulesi simo, ngemuva kweminyaka eyishumi enamanani wenzalo aphansi ngokomlando, i-FED isiqalile inqubo yokwenza izinto zibejwayelekile. Kusukela manje kuqhubeke, izinyathelo zezimali ezisetshenziswe ngumongameli omusha wase-United States, uDonald Trump, zizoba nokuningi okuphathelene nokuvela kwayo.

Yini engaba nomthelela ekutshalweni kwemali?

Kunezinzuzo eziningi izimakethe zezimali ezingakulethela zona kusukela manje. Futhi-ke ngesimo esihlukile, njengoba uzokwazi ukubona kusukela manje kuqhubeke. Ngoba impela, nini ukwehla kwamandla emali kuyakhuphuka kulapho lokhu kutshalwa kwemali kunamandla khona. Futhi awukwazi ukukhohlwa ukuthi lesi simo esibalulekile sikhuphukile endaweni ye-euro ezinyangeni ezedlule. Ungasebenzisa leli thuba ukuqala ukunyakaza kwakho kokuqala kumholo ongaguquki.

Akumangalisi ukuthi izimakethe zemali engenayo ezihleliwe zisetshenziselwe ukuhlala ngamanani wenzalo ephansi ngokweqile. Ngezinga abakwaze ngalo ukukuqhelelanisa nale misebenzi, kulimaza imakethe yezimali noma ngisho nakwezinye izindlela. Kepha mhlawumbe kungaba yisikhathi esifaneleke kakhulu uku buyela emalini engenayo engaguquki. Uzoba nezinketho ezanele zokwanelisa isidingo sakho. Kusukela kokujwayelekile kakhulu kokunye okusha okwenziwe ngaphansi kwezindlela ezahlukahlukene.

Imali engenayo yaseYurophu, kungani kungenjalo?

Ngomunye wemibuzo okufanele uzibuze yona kusukela manje kulesisimo sezomnotho esikhona manje. Ngalo mqondo, awukwazi ukukhohlwa nganoma yisiphi isikhathi ukuthi i-ECB isanda kuphindaphinda uhlelo lokuthenga ngesilinganiso sama-euro ayizigidi ezingama-60.000 ngenyanga kusukela ngo-Ephreli. Umphumela wayo emakethe yezibopho uzobonakala kakhulu futhi uzokwazi ukuzuza kulokhu kuhamba. Yize ungeke ukhohlwe ukuthi lezi zinkuthazo ezivela ebhange elikhipha iYurophu kungenzeka ukuthi zakha igwebu kule makethe yezezimali. Noma okungenani isikhundla esithile esilinganiswe ngokweqile, esingalungiswa nganoma yisiphi isikhathi. Lapho ungakulindelanga nje.

Noma kunjalo, e-United States kuse- isigaba esithuthuke kakhulu somjikelezo, yize kukhona abahlaziyi bezimali abaningana abakholelwa ukuthi basekupheleni komgwaqo. Ukugwema inkinga engaphezu kweyodwa ezikhundleni ezivulekile, kungcono kakhulu ukuthi ungabanjwa ngesinyathelo esimakiwe. Ngoba ungakha ukulahleka okukhulu kuma-akhawunti akho. Lapho isigaba sokuxazulula le nkinga singahlala kukwehlukahlukana okukhulu kutshalo-mali. Ukukhetha amafa ezezimali ahlukile.

Yimiphi imikhiqizo ongayiqasha?

imikhiqizo

Vele, uzoba nemikhiqizo eminingi engenayo engaguquki lapho ungenza khona ukonga kwakho kube nenzuzo. I- izimali zokutshala izimali yalezi zici zingenye yezinto ezifanele kakhulu. Ngenxa yokunikezwa okuhle abaphathi abakulethele kona. Ngazo zonke izindlela futhi ungazithola nangezinye izinkokhelo zezimali ezikude ne-euro. Futhi ngemali ehlanganisiwe, njengecebo lokuvikela iminikelo yakho yezezimali. Ukukhethwa okubanzi, ngamafuphi, kwalabo ongeke ukwazi ukuphunyula emzameni wakho wokuvula izikhundla kusuka manje.

Amabhonasi ngomunye umkhiqizo owuthandayo wokusebenza kwakho. Ngobubanzi bazo. Ubungozi kwezamabhizinisi, bezwe, besifunda ngisho nobukhulu uma kuyisifiso sakho. Kulula ukuziqedela futhi azidingi ulwazi olukhethekile ukuthatha izikhundla kulezi zimpahla zezimali. Yize ngenzuzo engaguquguquki nonyaka leyo okwamanje engeyona emangalisayo. Kunoma ikuphi, futhi njengakuzo zonke izinhlobo zotshalo-mali, uzohlala unamathuba amasha ebhizinisi kule makethe yendabuko eyejwayelekile.

Ekugcineni, unesikhathi sokufakwa kwemali. Omakhenikha bayo bahluke kakhulu kunamamodeli wangaphambilini wokutshala imali. Kepha ukuhlinzeka ngokuphepha okukhulu esitatimendeni sakho seholo. Azikuniki imbuyiselo kulondolozo olubaluleke ngempela, kepha ngokubuyisela uzoba ne- imali engaguquguquki futhi eqinisekisiwe njalo ngonyaka. Okuthile eminye imikhiqizo evela emalini engenayo enganikeli ngayo. Okungenani kuzokusiza ukuthi ukwazise ukuthi kungenzeka yini ukubaqasha noma cha kuya ngezintshisekelo zakho njengomtshali-zimali omncane naphakathi.

Amasu okufanele alandelwe

amasu

Kusukela manje kuqhubeke ungafaka uchungechunge lwezenzo inhloso yazo enkulu ukukhulisa umholo wakho. Ngakho-ke ungakwazi jabulela inzuzo enkulu ngokushesha kunoma yiziphi izidingo zempahla onayo njengamanje. Ngoba empeleni, kuzimo ezithile, imbuyiselo yamasheya noma amanye amamodeli ahlukile ayathuthuka. Kunoma ikuphi, unezenzo ezithile ezingakhulisa utshalomali lwakho kule mpahla yezezimali.

  • Imvamisa ihambisana ne- umphelelisi ilungele ukuthuthukisa imisebenzi yokulingana. Kumaphesenti owabona efaneleke kakhulu ngokususelwa kuphrofayela oyivezayo njengomtshali-zimali omncane naphakathi. Kufike ezingeni lokuthi ukwazi ukufeza izinhloso zakho.
  • Kwezinye izimo akuqinisekisi inzuzo encane, ngoba ungalahlekelwa yimali nokutshalwa kwemali. Ngokwalo mbono, ngeke kube khona okunye ongakwenza ngaphandle kokubheka amamodeli anikeza ukubuya okungaguquguquki nokuqinisekisiwe.
  • Imali engenayo engaguquki cishe ihlala izuzisa kakhulu ku- izimo ezingezinhle kakhulu ezithuthuka emnothweni wamazwe omhlaba. Kuzoba isikhathi esifaneleke kakhulu sokuvula izikhundla kwamanye amamodeli afanele kakhulu. Phakathi kwazo, izimali zokutshala imali noma ama-term deposits.
  • Kunoma ikuphi, ukubuyiselwa kwemali oyongele ngeke kwanelise kakhulu. Kuqabukela kweqe isithiyo esingu-1,50% esimweni esihle kakhulu. Awekho amakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni kwawo. Ngezindlela ezilondolozayo kunezinye izinhlobo zokutshala imali.
  • Como enye indlela yokutshala imali awukwazi ukukhohlwa ukuhlanganisa imali engenayo engaguquki nemali engenayo eguquguqukayo. Ngokusebenzisa imodeli ethengiswa kakhulu kumakhasimende njengezimali zokutshala imali. Yize ukubuya, ngeke ube nenye indlela ngaphandle kokuthatha izindleko eziphakeme kumakhomishini.
  • Ngeke futhi ukhohlwe ngomphumela ofana nawo isithuthukisi sokonga banayo le mikhiqizo yezezimali enobungozi obuphansi. Ukufika ezingeni lokuthi bangakusiza wenze isikhwama sokonga isikhathi esimaphakathi neside. Ngokubuya okuqinisekisiwe.

Izinzuzo zengeniso engaguquki

izinzuzo

Lolu hlobo lokutshala imali lukhiqiza uchungechunge lwezinzuzo okudingeka uzicabangele ukuhlela ukunyakaza kwakho. Ezinye zazo zaziwa kubo bonke, kepha ezinye zingezangempela. Bazokuba abalandelayo esikudalula kuwe ngezansi.

  1. Ngeke ikhiqize izingozi ngokweqile, futhi ngeke udinge isiko lezezimali ngaphezu kokujwayelekile. Kuyinto ozohlala unayo nganoma yisiphi isikhathi, noma ezimweni eziyinkimbinkimbi kakhulu ezimakethe zamasheya.
  2. Ungahlela phakathi kwemikhiqizo eminingana, ezinye zazo ziphakathi kwezinto ezivame kakhulu kunoma iyiphi iphothifoliyo yokutshala imali. Ukuzivumelanisa namaphrofayili owethulayo njengomtshalizimali othengisa.
  3. Imodeli yabo yokuqasha isekelwe kukho kokubili kwabasindisi nabatshalizimali. Yize izinhlelo kumele zehluke kakhulu, ziqine kakhulu ngezikhathi ezingaphezu kwesisodwa.
  4. Ngeke ube nokuzikhethela, kweminye imikhiqizo yabo, kepha ukulinda lokho kufika ukuphela kwayo ukubuyisa iminikelo yezomnotho kanye nenzuzo yabo elandelayo. Ngokuhlala isikhathi eside okungakufaka ezinkingeni ezingaphezu kweyodwa ngenxa yokushoda kwemali.
  5. Imali engenayo engaguquki isindwa yi ukushibilika kwentengo yemali. Akumangalisi ukuthi lesi sici sidale ukuthi ukusebenza kwaso kwehle ezinyangeni ezedlule. Kufika kumazinga angaziwa kuze kube manje.
  6. Kungumkhiqizo owenzelwe iphrofayli yesaver echazwe kahle kakhulu. Umuntu omdala, besaba ingozi futhi ufuna imbuyiselo engaguquki kulondolozo lwakho minyaka yonke.
  7. Futhi njengomnikelo wokugcina, akufanele ukhohlwe ukuthi kuyamakethwa noma yiluphi uhlobo lwezikhathi zokugcina. Mfushane, maphakathi noma mude, kuya ngezintshisekelo zakho. Ngoba ziguquguquka impela kulesi sici, esibaluleke kakhulu emnothweni womndeni.

Yiba ngowokuqala ukuphawula

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.