Yimiphi imigomo yokuhlala unomphela ongayikhetha emakethe yamasheya ka-2020?

Leli qembu libukeka lisafakwa ezimakethe zezimali, ikakhulukazi e-United States kuya ngokuthi unyaka omusha uqale kanjani. Kuze kube seqophelweni lokuthi umbono ojwayelekile phakathi kwabahlaziyi bezimali abazimele ngukuthi "banjengoba bengekho isikhathi eside." Kepha okumele kuqinisekiswe ngalesi sikhathi ukuthi amabanga abo angahamba ibanga elingakanani futhi nangesikhathi sokuhlala unomphela lapho kuqondiswa khona ukusebenza emakethe yamasheya: kufushane, kuphakathi noma kukude. Ngoba izoba ngesinye sezikhiye ezibaluleke kakhulu ukugqamisa impumelelo noma cha yotshalomali ngibheke phambili ezinyangeni ezimbalwa ezizayo.

Ngaphakathi kwalesi simo, kuzoba kubaluleke kakhulu ukuchaza imigomo yotshalo-mali ngoba kungaba yinto ehlukanisa utshalomali oluhle kunalolo olungeyona. Ngale ndlela, kudingekile ngokuphelele ukwenza ifayili le- isu elilungile Ekutshalweni kwezimali ekugcineni umsebenzisi wemakethe yamasheya uqobo kumele abheke isikhathi lapho utshalomali lwakhe luzobhekiswa khona. Njengoba kuzoya ngecebo okufanele ulisebenzise ukuze inzuzo ibe ngeyona ilungile kakhulu, ngoba ayifani nokusebenza esikhathini esifushane kunasesikhathini eside. Ngomehluko obalulekile emphumeleni wokugcina wokusebenza.

Akunakulibaleka ukuthi kulo nyaka futhi, ukwehla kwentengo yemali, njengomphumela wesinqumo se-European Central Bank (ECB), kuzodala ukuthi ingxenye enhle yenhlokodolobha yabatshalizimali abancane nabaphakathi iye emholweni izimakethe ziyahlukahluka. Ngoba kungcono kakhulu kunakho konke ukwenza ukonga kunenzuzo, noma ngabe ubungozi obusobala ukuthi yonke imisebenzi yayo ifaka phakathi. Ngoba kuliqiniso ukuthi ungathola imali eningi, kepha futhi kuyamukeleka kakhulu ukushiya ama-euro amaningi endleleni. Isimo okufanele sigweme ngazo zonke izindlela ukulondoloza imali eyenzelwe lolu hlobo lokutshala imali besilokhu sivamile kubasebenzisi bezimakethe zamasheya.

Isikhathi sokuhlala: sifushane

Lona unyaka, ngenxa yezici zawo ezikhethekile, ezifanele kakhulu ekuqondiseni ukusebenza kwemakethe yamasheya esikhathini esifushane. Ukuze senze lokhu, kufanele sigxile ekuphepheni okunamanzi kakhulu okusivumela ukuthi singene futhi siphume kulezi zimakethe zezezimali kalula. Futhi okubaluleke kakhulu: ukuthi ekugcineni singabambeki kumasheya akhethiwe, njengoba kwenzekile nakithi eminyakeni eyedlule. Ngalo mqondo, isixazululo esingcono kunazo zonke kufanele kube ukukhetha izibambiso ezinemali eningi kakhulu kanye nendlela engcono yokubheka ukuphepha okwakha inkomba ekhethiwe yamasheya kazwelonke, i-Ibex 35. Lezi yizinkampani ezisohlwini eziphephe kunazo zonke esingazenza thola manje.

Ngenkathi ngakolunye uhlangothi, ukukhetha kwaleli su lokutshala imali kuzosivumela ukuthi senze imisebenzi ngokushesha okukhulu futhi sikwazi jabulela izinzuzo ezingaba khona lokho kuzosilethela le misebenzi emakethe yamasheya. Ngaphandle kokulinda isikhathi eside okungashintsha ukuthambekela kwezimakethe zezimali nganoma yisiphi isikhathi. Ngalokhu, kulula kakhulu ukukhetha amanani wesitoko ahlinzeka ngokuthambekela okuchazwe kahle okuya phezulu futhi uma kungenzeka ngokwanda kwevolumu yokuhweba, kuhle, kungcono kunokungcono. Kuzoba yisiqinisekiso esihle kakhulu kithi ukuqedela ngempumelelo ukuvulwa kwezikhundla ezimakethe zezimali.

Imisebenzi yesikhathi esimaphakathi

Ukusebenza ezimakethe zokulingana zesikhathi esimaphakathi kungenye indlela abatshalizimali abancane nabaphakathi abanayo kulo nyaka eqale. Banobungozi obuningi lapho bebhekene noshintsho olungenzeka ekuthambekeni okungavela ezinyangeni ezizayo, kepha noma kunjalo kuyindlela esebenziseka kahle yabasebenzisi besitoko abalondolozayo. Ngobizo lokuhlala unomphela phakathi kwezinyanga eziyi-6 nezingama-18 cishe. Lapho kungeke kube khona okunye ukukhetha ngaphandle kokuya ekukhetheni kwamasheya anokuziphendukela okuqinile ezimakethe zezezimali. Uma kunokwenzeka, lokho okubizwa ngama-piggy bank amanani okuzokwakhiwa ngawo isikhwama sokonga esizinzile sesikhathi esinezikhundla ezivulekile emakethe yamasheya.

Ukusebenza kwesikhathi esimaphakathi, ngakolunye uhlangothi, kufanele kube embozwe ama-stop-loss oda noma uyeke ukulahleka ngaphambi kokuthi kwenzeke kusukela manje. Ukuze ngale ndlela, futhi ubhekane nesimo esibi kakhulu emakethe yamasheya, ukulahleka okungenzeka kunganqunyelwe ngendlela ephumelela kakhulu kwizintshisekelo zabatshalizimali abancane nabaphakathi nendawo, okungukuthi, ngemuva kwakho konke, okubandakanyekayo lamacala. Ngokuqondile esikhathini lapho ukuphela kokukhuphuka kwezimakethe zezimali kungasondela kakhulu. Ikakhulu, ngemuva kokunyuka eminyakeni yamuva nokuthi esimweni esithile se-Ibex 35 kuholele emazingeni asondele kakhulu kuma-euro angama-9.700 XNUMX ngesabelo ngasinye. Ukusukela lapho okungenani ukulungiswa okukodwa kokucatshangelwa okuthile kungashaywa.

Amagama amade anobungozi obuningi

Okokugcina, kunezikhathi ezinde zokuhlala unomphela ezikhundleni ezimakethe zamasheya nokuthi kwesinye isikhathi kubhekwe njengecebo elinephrofayili yokuzivikela noma yokulondoloza, manje izinto sezishintshile futhi sekungukukhetha okunobungozi obukhulu. Ngoba empeleni, lesi sikhathi, esiqala eminyakeni emithathu, singanikeza isimanga esingaphezu kwesisodwa kubatshalizimali abancane nabaphakathi ukusukela manje. Ngenxa yomjikelezo ezimakethe zezimali okwamanje. Lapho kungenzeka kakhulu ukuba khona khiqiza izilungiso ezibalulekile nezibalulekile lokho kungehlisa ukulinganiswa kwesikhwama sethu sokutshala imali. Noma ngabe yiliphi isu lokutshala imali esizolisebenzisa kusuka kulo mzuzu kuqhubeke.

Ngakolunye uhlangothi, kufanele kugcizelelwe ukuthi uma sikhetha le ndlela ehlala isikhathi eside yokutshalwa kwezimali, ngeke sibe nesinye isisombululo ngaphandle kokubheka amanani azinzile ezimakethe zezwe lethu. Ikakhulu, labo abasabalalisa izabelo phakathi kwabaninimasheya futhi abangabika isilinganiso senzalo sonyaka nesingaguquki esigxila phakathi kuka-4% no-8%. Ngalo mqondo, izinkampani zikagesi zingaba yisixazululo ezinkingeni zethu ngoba azishintshi njengazo zonke ezinye. Ngokuzinza kwamanani ayo okumele kugqanyiswe futhi okungasisiza ukuthi sakhe iphothifoliyo ezinze kakhulu yokutshala imali kunokunye. Njengeqiniso lokuthi lezi ziphakamiso zakha inketho yokwenza ukonga kube nenzuzo kulezi zikhathi ezinde.

Ngezinye izimpahla zezezimali

Esinye isixazululo ezinkingeni zethu zokutshala imali singabonakala ngokufakwa kwezinye izimpahla zezimali ngaphandle kwezimakethe zamasheya. Esinye salezi zibonelo singamelwa yi izibopho ezixhumene ne-inflation lokho-ke bangakwenza kahle kakhulu kusukela manje kuqhubeke ngenxa yezici zabo ezikhethekile. Okungcono kakhulu ukuthi ungabekwa kulo mkhiqizo wezezimali okhetheke kakhulu ngukusebenzisa izimali zokutshala imali ezihlanganiswe nalezi zibopho futhi ezakha isu elifanele kakhulu lokuthuthukisa ibhalansi ye-akhawunti yethu yokonga eminyakeni ezayo.

Esinye isisetshenziswa esesinaso ukuvula izikhundla ngokulingene ngegolide kunikezwe iqiniso lokuthi ingaqhubeka nokukhuphuka kwayo eminyakeni ezayo. Ngaphandle kokuthi kube ngenye yezimpahla zezimali ebonge kakhulu ngonyaka owedlule, ngenzuzo ecishe ibe ngama-50%. Enye yezimakethe eziphakeme kunazo zonke ezingasinikeza zona ngalesi sikhathi. Yize kunengozi engaphezulu kokusobala ukuthi lokhu kweqisa kungalungiswa kusuka manje kuqhubeke futhi ngalokho-ke kungaletha ukwethuka okungajwayelekile kubathengisi nganoma yisiphi isikhathi.

Ukukhetha kuya ngethemu

Akuzona zonke izibambiso eziboniswa ngemigomo efanayo, kepha kunamathuba amaningi okuthi uzitshale ngezikhathi ezithile. Njengomphumela walokhu, lezo zimfihlo ezinengxenye enamandla yokuqagela zimiselwe imigomo emifushane (i-Ercros, i-Avanzit, i-Natra, njll.). Abanye, kunalokho, badinga isikhathi esiphakathi ukuze bathole izinzuzo ezingalandelwa. Kulokhu, zingamanani angaqoqwa ngu okulindelwe izinzuzo kudaliwe (Rovi Logista noma Atresmedia).

Futhi ekugcineni, kukhona amanani adinga isikhathi esithe xaxa ukufeza izinhloso ezibekiwe. Lawa amanani okusika avikelekile njengamabhange, ugesi noma imigwaqo emikhulu. Kunoma yiziphi izimo, lawa magama angashintshwa ngokuya ngokuguquka kwentengo yezokuphepha okukhulunywa ngayo, futhi njengoba igama lotshalo-mali lifushane, kuzodinga kakhulu ukunakwa komtshali-zimali omncane. Ngecebo lokutshala imali elizivikela kakhulu kunamanye amagama futhi elidinga indlela ehluke ngokuphelele yokusebenza nokuthi akubona bonke abatshalizimali abancane nabaphakathi abanganikela kusuka manje.


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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.