Ungazivikela kanjani ngokungazinzi kwezimakethe zezimali?

ukungazinzi

Vele, ikota yesibili yonyaka ayizoli kubatshalizimali abancane nabaphakathi. ISpain, i-Italy, iMiddle East kanye neNyakatho Korea ngamanye amaphuzu ezindawo angeza ukungazinzi ezimakethe zezezimali. Futhi ikakhulukazi emakethe yamasheya ehlushwa yile mithombo engalokothi ilungele ukubuyiselwa kokonga. Yize kungekho ukuntuleka kwamazwi agunyaziwe akhomba ekutheni sibona ushintsho esimweni sesakhiwo ezimakethe. Ngisho nasezingqungqutheleni ezinama-alamu kakhulu, isimo esibi kakhulu sibikezelwe i-European Union.

Kunoma ikuphi, yisikhathi sokucabanga ngalokho okufanele ukwenze ngemali yakho kusuka manje. Kuleli sonto, inkomba ekhethiwe yemali engenayo eguquguqukayo, i-Ibex 35 ithuthukise ukuwa okuphawulekayo kwe-2,49% futhi okukuyise kumaphoyinti angama-9.521,3. Lokhu ukwehla kwayo kwesibili ngobukhulu onyakeni, lapho wonke amanani wezinto ezikhethiwe zaseSpain aphele ngokuwa. Yize lapho izehlakalo ezishiwo kakhulu zisemkhakheni wezamabhange kwazise amanye amabhange ehle ngo-5% ngaphezulu. Lawa ngamagama amakhulu emakethe yamasheya, kepha yilokho okwenzeka ngempela ngeBanco Sabadell, iBanco Santander noma iBankia, ukunikeza izibonelo ezimbalwa zalesi simo esikhathazayo.

Enye yezimakethe zezimali eziphuma esimweni sezomnotho esikhona manje yi-Italy. Ngalo mqondo, i-FTSE yehle cishe ngo-3,5%, kanti ama-transalpine equities ayengaphezulu kancane. Ngokunikwa lesi simo, kuyasimangaza kithina ukuthi abatshalizimali abancane nabaphakathi baqala ukukhathazeka ngesimo sokonga kwabo. Futhi ngombuzo ofanele, yini okufanele uyenze ngemali yakho kusuka kulezi zikhathi eziqondile? Vele banamathuluzi ezezimali ukuze ukulahleka kufakwe ngokuqinisekile kusitatimende sabo semali engenayo. Ngabe ufuna ukwazi okunye okuphumelela kakhulu?

Ukungazinzi: ukunciphisa izikhundla

i-bolsa

Lokhu ngokungangabazeki kufanele kube yisilinganiso sakho sokuqala sokonga ukonga nangaphezulu kwamanye amasu anzima kakhulu. Ukube ubenza imali emakethe yamasheya, kuzoba izaba ezifanele zokujabulela lezi zinzuzo zemali ngesikhathi esifanele njengeholide elilandelayo. Kulezi zinyanga kungcono kakhulu ukuba kwisikweletu kunangezingozi ezitholwa okwamanje izimakethe zezimali. Njengoba kungakufanele ukuzibeka engcupheni ngokusebenza okunesiphetho esingaqinisekile.

Esinye isimo ongasethula kusuka manje kuqhubeke ukuthi izikhundla zakho emakethe yamasheya zilahlekile. Uma kunjalo, isixazululo sizoba nzima kakhulu. Kodwa-ke, ungenza ukuthengisa okuyingxenye ukuze ungacubunguli ngokuqhubekayo kumaconsi. Emakethe yamasheya kuhlale kushiwo ukuthi kungcono ukulahlekelwa i-euro eyodwa kunalezi ezinhlanu. Sekuyisikhathi sokufaka lesi simiso esidumile kubatshalizimali abanolwazi oluningi kulolu hlobo lokusebenza. Kusukela ucabanga ukuthi wenze ukuhlinzwa okungalungile futhi akukho okunye. Kuzoba nesikhathi lapho ungasusa lokhu kwehla kwemali enhlokodolobha yakho yangasese. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe ngisho nasendaweni yokubuka eyisisekelo.

Funa ezinye izindlela zokutshala imali

Enye ye izixazululo Njengoba ubhekene nalesi simo esiyinkimbinkimbi ukuthi izimakethe zamasheya zomhlaba wonke ziyathuthuka ngalo mzuzu oqondile, ukubheka izinketho ezenza ukonga kwakho kube nenzuzo. Vele kukhona, yize kuliqiniso ukuthi badlulela kwezinye izimakethe okungenzeka ukuthi awunalo ulwazi lokwenza noma yiluphi uhlobo lomsebenzi. Ngalo mqondo, izinsimbi ezinembile ngesinye sezinqumo ezinhle kakhulu ongazenza. Ukufika lapho igolide lizijabulele lezi zinsuku ngaphansi kwephesenti lamadijithi amabili. Izizathu kumele zifunwe ngokuthi ukuhamba kwemali kusuka engxenyeni yomhlaba kufuna isiphephelo lapho kungagcinwa khona izimpahla zabo nezomndeni.

Okubi kakhulu ngale mpahla yezezimali ephawuleka kakhulu ukuthi kunzima kakhulu ukuvula izikhundla. Ukuze uphoqeleke ukuthi uthenge ngokomzimba lensimbi eyigugu. Kunoma ikuphi, kungakuhle ukudlula kule nqubo ngoba amandla ayo okwazisa impela aphezulu kakhulu. Futhi kuzo zonke izimo, ephakeme kunaleyo enikezwa yisikhwama okwamanje. Ngaphandle kokuthi abanye abahlaziyi bezimakethe zezimali bacabanga ukuthi yize kunaleso simo, kusekhona “inani” elihle lezinkampani zaseSpain ezibalwe emakethe yamasheya.

Hlukanisa konke ukutshalwa kwezimali

Akunandlela yokuthi kufanele ugcine yonke imali yakho etholakalayo yokutshala imali kubhasikidi ofanayo. Uma kungenjalo, ngokuphambene nalokho, isihluthulelo sokugwema izingozi eziningi silele ekubaqondiseni emikhiqizweni ehlukile yezezimali ngisho nasezimpahla zokutshala imali. Ngale ndlela, uzokhawulela ukulahleka ezimweni ezimbi kakhulu ezimakethe zezezimali. Kuyisu okulula kakhulu ukulenza ngoba kufanele ulisabalalise phakathi kwezimpahla zezimali ezingasebenza kulesisimo sokuhlangana. Vele akunabungozi ngoba ekugcineni kosuku sikhuluma ngemali.

Ngokwalo mbono, elinye lamasu aphumelela kakhulu linikelwa ngezimali ezihlangene. Kepha inqobo nje uma behlanganisa izinto eziningana zezezimali noma izimpahla ezinokuthambekela okuya phansi. Ngaphezu kwalokho, zingathuthukiswa ngaphansi kokuphathwa okusebenzayo, okuyikho okwenza izimali zikwazi ukuzivumelanisa nazo zonke izimo zezomnotho, ngisho nezimbi kakhulu. Kufinyelela ezingeni lokuthi ungathola imbuyiselo kulezi zikhundla. Ngenzuzo yokuthi kunezimali eziningi zokutshala imali zalezi zici. Kusuka kumafomethi ahluke kakhulu nezinkampani zokuphatha ezizenzayo.

Ama-akhawunti akhokha kakhulu

izikweletu

Kukhona elinye ikhambi elingaze lehluleke kumaphrofayili wokuzivikela noma wokugcina. Njengesibonelo lesi sigaba sama-akhawunti esinikeza inzuzo enkulu kubanikazi baso. Ngokubuyiselwa kokonga okuvela phakathi kuka-1% no-2%. Amaphesenti asikisela kakhulu angahlangene nokusebenza kwama-akhawunti asebhange endabuko kakhulu. Ngaphandle kwanoma yisiphi isidingo ukuze ukwazi ukufinyelela kule mikhiqizo ehloselwe ukonga. Akumangalisi ukuthi ingxenye enkulu yamabhizinisi asebhange isivele ine-akhawunti yalezi zici. Ngoba bayakuqinisekisa ukusebenza okungaguquguquki nokuqinisekisiwe minyaka yonke. Noma yini eyenzekayo ezimakethe zezezimali.

Lolu hlobo lwama-akhawunti asebhange luvuleleke kuwo wonke amaphrofayili wamakhasimende, noma kwezinye izimo kuyadingeka ukuthi uqondise iholo lakho noma imali oyiholayo ejwayelekile. Futhi kumamodeli afunwa kakhulu, kuze kufike kwizikweletu ezahlukahlukene zasekhaya (ugesi, amanzi, igesi, njll.). Ukuze ukwazi ukuthola ingxenye yalezi zindleko ekhaya ngokubuyisa okufika ku-5%. Kunoma ikuphi, kungenye yezinsizakusebenza onazo okwamanje ukwenza ukonga kube nenzuzo. Ngesikhathi intengo yemali isezingeni eliphansi ngokomlando. Ngamanye amagama, intengo yemali ingu-0%, okwenza ama-akhawunti akhokha kakhulu akhange.

Imikhiqizo eguqukayo emakethe yamasheya

okuphambene

Uma ukuwa ezimakethe zezimali kuba kubi ngokwengeziwe, uzoba nakho okubizwa ngemikhiqizo ephambene. Lezi amamodeli lapho ungathola khona imali ethe xaxa njengoba ukuwa kukhulu kakhulu. Kodwa-ke, ngumkhiqizo onobungozi obukhulu ngoba ungashiya ama-euro amaningi emgwaqeni. Ngaphezu kwalokho, zifaneleka kakhulu ngezikhathi ezithile ezikhethekile ukuthi zingalokothi zikhule esikhathini esimaphakathi nesikhathi eside. Lapho ngokuqinisekile uzolahlekelwa yimali eningi.

Lokhu kuhamba kungenziwa kusukela ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya ngalokho okubizwa ngokuthengisa ngesikweletu. Ukwenza izimali eziguqukayo zokutshala imali ezivuza ukwehla ezimakethe zezezimali. Zingasetshenziswa emakethe yamasheya yaseSpain uqobo noma kwezinye izinkomba zamasheya zomhlaba wonke. Ngaphansi kwemishini ehlala ifana futhi ithuthukiswa ngemihlahlandlela efanayo yokusebenza. Le yimikhiqizo engasiza kakhulu uma izimo ezifunwayo zihlangatshezwa. Kepha kunalokho, baphethe izingozi ezinkulu kakhulu okusho ukuthi azifanele wonke amaphrofayili wabatshalizimali abancane nabaphakathi.

Futhi ngokusebenzisa izimvume ungasebenzisa leli su elikhetheke kakhulu, yize kusuka ezindleleni ezinolaka kakhulu kunamamodeli wangaphambilini. Ngaphezu kwalokho, ungakuthwala lokhu kuhamba unyakaze phansi ngezikhathi ezimfushane zaphakade. Ukuze ukwazi ukuxazulula lezi zikhundla ngesikhathi esifushane kakhulu. Yize behlose abatshalizimali abanolwazi oluningi kuleli banga lezimakethe zezimali.

Njengeminye imikhiqizo, njengokuphuma kokunye, okwakhiwe kanye nezici ezifanayo. Kepha azinconyelwa kakhulu ngenxa yezingozi ezinkulu oziqashayo ngokuziqasha. Lapho kuzofanele ubeke engcupheni imali yakho ukufeza izinhloso zakho oyifunayo emhlabeni wokutshala imali. Ngaphezu kokunye ukucatshangelwa kobuchwepheshe izimakethe zezezimali ezikhona ngalezo zikhathi eziqondile. Ungakhohlwa uma ufuna ukugcina imali oyongile.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

*

*

  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.