Ngabe unyaka omuhle wokutshala imali kumabhondi?

amabhonasi

Akukhona kuphela ukutshalwa kwezimali kokonga okungahanjiswa ngamasheya. Bangu eminye imikhiqizo yezezimali lokho kungamukela imisebenzi yakho ezimakethe. Okuphawuleka phakathi kwamabhondi, phakathi kwezinye izimpahla zezezimali. Zingaba zikazwelonke noma izinkampani noma zingaphakathi kwezimali zikazwelonke, izibopho zemiphakathi ezimele, waziwa kangcono ngokuthi uthanda izwe. Kunoma ikuphi, kungaba enye indlela yokutshala imali kulo nyaka esizoqala.

Kepha omunye wemibuzo ozozibuza wona ngalo mzuzu onembile ukuthi ngabe yisikhathi esihle yini sokukhetha amabhonasi. Noma ngabe injani imvelo nezimo zenkontileka. Yebo, kubonakala sengathi akusona isikhathi esikahle sokuvula izikhundla kulo mkhiqizo wezezimali obaluleke kangako. Ngochungechunge lwezizathu esizochaza ngezansi. Ukuze ngale ndlela, ube nazo zonke izinkinobho mayelana nokuthi ngabe noma ngabe kufanele uyibhalisele kumongo wamanje lapho kuthuthuka khona umnotho wamazwe omhlaba.

Kunoma ikuphi, kufanele wazi ukuthi ukuzibeka ngokwakho kumabhondi kungena emalini engenayo engaguquki. Ngazo zonke izici lolu hlobo lotshalo-mali olubandakanya kuze kube manje luthandwa kakhulu ngamaphrofayli alondoloza kakhulu. Ngenzuzo engahluka ngokuya ngokuhlukahluka okuningi komnotho: ukwehla kwamandla emali, ukukhula komnotho, isikweletu, njll. Kuze kube izinyanga ezimbalwa ezedlule ikhiqize i- inzuzo emaphakathi yonyaka ezungeze u-4%. Yize umehluko wabo uncike ohlotsheni lwezibopho oziqashile.

Amabhondi: Athini Abahlaziyi?

Ochwepheshe ezimakethe zezimali abazimisele kakhulu ukukhulisa lokhu kutshalwa kwezimali ezinyangeni ezimbalwa ezizayo. Ngezinga abanye babo abanomthelela ngalo makethe ube yinto yebhamu kwengxenye yemali engenayo engaguquki. Ngengcuphe ebaluleke kakhulu kubo bonke abatshalizimali abancane nabaphakathi ababekwe kule mpahla ebalulekile yezimali. Ukube bekunjalo, ungangabazi ukuthi uzolahlekelwa yingxenye ebaluleke kakhulu yokonga kwakho.

Ezimweni zamanje, izincomo zabahlaziyi bezezimali zihambisana nolayini okufanele ulahlekelwe ngaphezu kokuzuza. Ukufika ezingeni lokuthi maningi amathuba okuthi batshale imali yakho ezimakethe zezimali. Ngethuba lokubuyekeza elibaluleke kakhulu lango-2017. Kunoma ikuphi, okuningi kuzoya ngamabhondi owabhalisile. Akumangalisi ukuthi i-bund yaseJalimane ayifani nemikhawulo efana neGrisi, iSpain, i-Italy noma iPortugal, phakathi kwabanye.

Esinye isici okufanele usicabangele kusukela manje kuqhubeke ukuthi noma iyiphi inzuzo eyenziwe eminyakeni eyedlule akudingeki iphindwe phakathi nonyaka ka-2017. Nakancane, njengoba uzobona kule ndatshana. Konke kubonakala kuhloswe ukukhetha amanye amasu okutshala imali. Ezinye zazo ziphephe kakhulu ukuze ukwazi ukuvikela izimpahla zakho ngempumelelo.

Buyela esimeni sokukhuphuka kwemali?

ukwehla kwamandla emali

Esinye sezimo esibi kakhulu sokuthola izinkontileka zamabhondi ukuthi ukwehla kwamandla emali kuyavela emazweni aphambili amazwe omhlaba. Ngezizathu eziningi ongaziqonda ngezansi. Ngemuva kwe- isikhathi eside se-deflationNgabe siyakubona ukubuya kwamandla emali emnothweni womhlaba? Izinkomba zalesi sikhombisi se-macroeconomic zibonakala ziqinisekisa lesi simo esiyingozi sokuhlangana. Okungenani liyakhuphuka emazweni asezingeni eliphakeme njenge-UK, i-US neJalimane.

Mayelana ne-United States, kufanele kuqashelwe ukuthi imiphumela yokhetho lukamongameli wase-US itolikwe izimakethe zezezimali njengendaba entsha yokwenyuka kwamandla emali kubatshalizimali. Uhlelo lukaMongameli okhethwe nguDonald Trump luhamba ngale ndlela. Nge ukwanda okuphawulekayo ekusetshenzisweni kwemali yomphakathi, njengenye yezindlela zakhe zokuvuselela umnotho waseNyakatho Melika. Zonke izimpawu zenkambiso yokwehla kwamandla emali engafika ngaphesheya kwe-Atlantic njengalo nyaka omusha.

Isimo semakethe ye-Bond

Isikhathi lapho le mikhiqizo yethulwa ngesinye sezibalo ezingaphezu kokufanele. Ngeke zenze imbuyiselo efanayo yokonga njengakuqala. Uze uzibeke engcupheni yokuthi iye emazingeni amabi. Noma njengoba abanye abahlaziyi bezimakethe abahola phambili bekusho lokho kuqhume ibhamuza elisabekayo yemali engenayo engaguquki. Futhi ikakhulukazi ngezibopho zombuso. Kungenye indlela okufanele uyihlinzeke ukuze uqinisekise ukonga kwakho. Okungenani njengokungenzeka kube okukodwa kokuningi okungenzeka kulo nyaka onzima wezwe lemali.

Mayelana namabhondi ezinkampani, esikhathini esifushane kungaba mnandi kakhulu ukuwaqasha. Njalo ngaphansi kokulawulwa okuphezulu ezikhundleni zakho. Akumangalisi ukuthi kunezinketho ezikhulisa ifayela le- amathuba angcono ezimakethe zemali engenayo ezingaguquki zomhlaba. Kunoma ikuphi, ngaphandle kokulahlekelwa umbono wokunciphisa ubungozi. Ngezinye izinketho zokutshala imali ezithakazelisa kunezinye. Yilezo okufanele ukhethe kuzo kusukela ngenyanga kaJanuwari.

Kufanele futhi ukhumbule ukuthi isibopho saseJalimane singasebenza njengendawo yokuphepha ephephile ezikhathini ezimbi kakhulu zango-2017. Ukusizakala ngalesi simo esikhetheke kakhulu, ngeke ukwazi yenza imbobo kuphothifoliyo yakho yokutshala imali ngalolu hlobo lokutshalwa kwezimali olutholakala kumaphrofayili abanye babatshalizimali abancane nabaphakathi. Ngaphezulu kwesibopho sase-US, okungaba ngesinye salezo okufanele zibe ngcono ezimakethe zezezimali. Yize ukukhuphuka kwamazinga nezinqubomgomo zezomnotho zikaDonald Trump kungalimaza lezi zinhloso.

Ungenza kanjani ngamabhonasi?

Ukuthuthukisa ukusebenza kwakho unamasu ahlukene angasebenza kakhulu ukwenza ukonga kwakho kube nenzuzo kusuka manje. Okokuqala, kuzodingeka kakhulu ukuthi ukusebenzise ngesiyalo esikhulu. Ukuze ama-alamu angacimi lapho kunesimo esibi ezimakethe zezezimali. Ngokuyinhloko zizoqhamuka kulezi zenzo okuzofanele uzenze ukufeza izinhloso ngendlela ephumelela kakhulu.

  • Kufanele usebenze nge ukuqapha okuningi ngenxa yamabika amabi akhona kule makethi yemali engenayo engaguquki. Ngaphandle kokuziveza ngokweqile eminikelweni yezomnotho oyenzayo ezindaweni ezivulekile.
  • Ungahlanganisa lokhu kutshalwa kwemali nezinye izimpahla zezezimali ukuze vikela imali oyongile. Umkhiqizo okhombisa kahle lo mkhuba yizimali zokutshala imali ezisuselwa kunoma yiluphi uhlobo lwezibopho.
  • Ungayi esikhathini eside kakhulu sokuhlala, kepha kunalokho okufushane kuba ngcono. Ngaphakathi kwemigomo yemvelo kulesi sigaba semikhiqizo yezezimali. Uzozigwema izimo ezimbi kakhulu ezingase zivele kulo nyaka.
  • Yize kuzoba kancane kancane, ukuqiniswa kwemali kweFederal Reserve akudali isizinda esihle kakhulu sabanamandla isikhuthazo sesabelomali kulindeleke ngokufika kukamongameli omusha waseMelika, uDonald Trump.

Izibopho zokushisekela izwe kakhulu

izibopho zesifunda

Futhi unenye indlela yangempela ongayenza iphumelele kulo nyaka omusha ozokwethulwa. Konke kumayelana namabhonasi kusuka emiphakathini ezimele futhi lokho kwaziwa kakhulu njengezibopho zokushisekela izwe. Banikezwa izindawo ezifana nemiphakathi yaseMadrid, iCatalonia, iGalicia, iBasque Country, iMurcia neNavarra, phakathi kwabanye abaningi. Kepha zilawulwa yizici ezichazwe kahle kakhulu nokuthi kubalulekile ukuthi wazi. Ayikho enye injongo ngaphandle kokuziqasha, uma lokhu kuyisifiso sakho emhlabeni wemali.

Inzuzo enikezwa yile mikhiqizo yezikweletu zomphakathi yesifunda iyahlukahluka kakhulu, kuya ngokuthi obani abakhipha lawa ma-original futhi ngasikhathi sinye amabhondi angaziwa. Ziyahamba phakathi kokubuya phakathi kuka-1% no-6%. Ezimweni eziningi, bakhiqiza inzalo ephezulu kunesikweletu esivamile somphakathi. Kepha esikhundleni sokuletha izingozi ezinkulu. Ngoba impela, uma le mikhiqizo ibonakala ngento ethile, kungenxa yokuthi idinga ukuzinza okukhulu. Kuze kube seqophelweni lokuthi abakhiphi abakwazi ukuhlangabezana nezikhathi zabo ezibekiwe.

Njengoba ingozi inyuka, inzuzo nayo inyuka ngokulingana. Imali ekhokhwayo okufanele uyicabange uma usesimweni sokuthola noma iyiphi yalezi zibopho ezikhethekile. Yingakho azinconywa kakhulu ngabenzeli abakhulu bezezimali. Kubhaliselwe kwezinye izimakethe futhi kungaholela ekulahlekelweni yingxenye yezimpahla zakho ezimweni ezingezinhle kakhulu ezingalethwa yile mikhiqizo yezezimali.

Iziphetho ngamabhondi

Njengamanje akusona esinye seziphakamiso ezifanele kakhulu zokuvikela izintshisekelo zakho njengabasindisi abancane oyikho. Ukunikela ngokungahambi kahle okuningi kunezinzuzo. Ngethemba elincane lokwazisa kunakuqala. Manje kuphela inketho yokubhalisa ngezikhathi ezithile. Kepha akukho okudlula leli qhinga. Ngaphansi kwengozi yokuthi imisebenzi ayihanjiswanga njengoba ufisa. Unezinye izindlela ezinenzuzo enkulu, ikakhulukazi lezo ezitholakala ezimakethe zamasheya.

Kuziphakamiso eziningi, akukukhokhi ukubhaliswa kwamabhondi amaningi. Noma ngabe injani imvelo yabo kanye nemibandela yaphakade abaqondiswe kuyo. Ebangeni elisukela onyakeni owodwa kuye kwemihlanu. Yize ngokuphambene nalokho, ungakwenza kube semthethweni ngamanani akhokheleka kakhulu emikhayeni eminingi. Ngokuvamile kusuka ku-1.000 XNUMX euros kumagazini ngamunye. Ngokukhokhwa kwenzalo yakho lapho kufanele. Njengakwimikhiqizo eminingi exhunywe kumali engaguquki.


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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.