Ehlotyeni inokuba yeyokugqibela enamaqondo enzala asezantsi kummandla we-euro, ngokwe- KwiBhanki ePhambili yeYurophu (ECB). Onke amehlo azakujoliswa ekuphelisweni konyaka ukuze bazi isigqibo abazakusithatha malunga nomgaqo-lawulo wemali, nangona iimpawu zibonisa ukuba ixesha elinemali encinci lisenokuba liphelile. Kwaye kunokuba kuncinci kangakanani, esi sigqibo kufuneka sidluliselwe kwiimarike ze-equity mhlawumbi ngokukhawuleza kunokuba abahlalutyi bezemali belindele. Ngokuvela kwamathuba amashishini amatsha ekufuneka uwasebenzise ukusukela ngoku.
Esi siganeko sichaphazela ukuba ihlobo esiza kuqala alikho elinye. Ukuba akunjalo, ngokuchaseneyo, iya kuba yinto eyahlukileyo kwaye nangayiphi na imeko, awuzukukhetha kodwa uzilungiselele ngakumbi kunangaphambili ukwenza imisebenzi yakho kwiimarike zezabelo. Emva kwesemester yokuqala yonyaka leyo ibingcono kunokuba bekulindelwe kwaye oko kuyakuphela ngophawu oluqinisekileyo oluncinci emva kwezicatshulwa zamva nje kwiimarike zikazwelonke nezamazwe aphesheya. Ukujongana nesiqingatha sokugqibela sonyaka ngethamo elikhulu le-positivism.
Ngapha koko, kweli hlobo unokwamkela uthotho lwezicwangciso zotyalo-mali ezinokuthi thanda iimfuno zakho zobuqu kwezi nyanga zikhethekileyo. Kungenxa yokuba enyanisweni, ukuba eli hlobo liza kubonakaliswa ngento ethile, kungenxa yokuba inokwahluka kule yangaphambili. Kwaye ke kuya kufuneka uzitshintshe izicwangciso zakho zokwenza imali oyifumanayo kutyalo-mali ngeli xesha lonyaka linenzuzo. Ngenjongo enye kwaye ayikho enye into ngaphandle kokunyusa inzuzo onokuyenza kwipotifoliyo yakho yezokhuseleko ukusukela ngoku.
Amaqhinga: amaxabiso ashiyekileyo
Elinye iqhinga onokuthi ulisebenzise ukusukela ngoku ukuya phambili kukukhetha isitokhwe esisele kakhulu kwisiqingatha sokuqala sonyaka. Ayothusi into yokuba ezinye zazo zine amandla aphezulu ephezulu kwaye nakweyiphi na imeko inomtsalane kakhulu ukuyifaka kwipotfoliyo elandelayo yotyalo-mali. Kodwa ukuthatha amanyathelo okhuseleko kwaye loo nto kukuba imeko yayo yezobuchwephesha ayonakalisanga kakhulu ngenxa yentshukumo enzulu ethintelayo ethintela ukutshintsha imeko kweli hlobo siza kuqala kulo.
Kwelinye icala, kukhethwa ukuba uvule izikhundla kwiinkampani ezidwelisiweyo ezingakhange ziyaphule inkxaso yazo kwezobuchwephesha. Kungenxa yokuba uyenza kwicala elahlukileyo, ngaphandle kwamathandabuzo ukuba usengozini yokufumana into entsha nenobungozi uhambo oluya ezantsi apho ungaphulukana khona nee-euro ezininzi apha endleleni. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Kuzo naziphi na iimeko, kufuneka zenziwe zijolise kwelona xesha lifutshane. Iinyanga nje ezenziwa ngalo ihlobo.
Ukuqokelela imali eyinzuzo
Esinye sezicwangciso onokuthi uzisebenzise ngeli hlobo, ukuba uzuza kwizabelo kwiiinyanga ezintandathu zokuqala zonyaka lahla izikhundla. Nokuba kukuthengisa ngokungaphelelanga okanye ngokupheleleyo ukuze ukonwabele ukuzuza kwemali kwezi nyanga zokuphumla kunye nokuphumla. Ukongeza, kunokuba liwonga lakho ongalilindelanga lokwenza olo hambo ubulangazelela kakhulu kwaye kude kube ngoku awukwazanga ukulwenza. Ngale ndlela, iimarike zamashishini ezingenanzala emisiweyo zinokubonelela ngemali ekufuneka uyenzile.
Le nkqubo yotyalo mali ikwavumela ukuba ungavumi ungangena kubomvu kwizikhundla zakho ezivulekileyo kwinxalenye yesibini yonyaka. Ngelixa kwelinye icala, uya kuthi ujonge ngakumbi kunakuqala kumathuba amatsha oshishino oluza kukubonelela kwezi nyanga. Kwelinye icala, nanjengokuba abatyali-mali abanamava ngakumbi kwiimarike zentengiso bahlala besithi, kuhlala kukhethwa "intaka isesandleni kunekhulu elibhabha". Sebenzisa eli cebiso liluncedo kutyalo-mali lwakho kulo nyaka. Ubuncinci uya kuziphepha iingxaki ezithile kurhwebo kwimarike yemasheya.
Izahlulo zemvula zasehlotyeni
Kwelinye icala, awungekhe ulibale phantsi kwawo nawuphi na umba ukuba eli lixesha lonyaka apho ukuhanjiswa kwezabelo kubanini zabelo uninzi. Iinyanga zasehlotyeni zisetyenziswa ziinkampani ezidwelisiweyo ukwenza lo mvuzo. Ngembuyekezo yonyaka leyo Uluhlu oluphakathi kwe-5% kunye ne-7% phantse kwaye ngaphezulu komdla oveliswe kwiimveliso zebhanki ezahlukeneyo. Umzekelo, iidipozithi zexesha elimisiweyo, iibhondi ezihlanganisiweyo okanye iiakhawunti zengeniso ephezulu ezinikezela ngenzala ephezulu kune-1%.
Eli xesha lonyaka linokusetyenziselwa ukukhetha olu didi lweenkampani oluya kuthi lubonise ukuzikhusela ngakumbi kutyalo-mali lwakho kunye nokubanakho yakha iphothifoliyo yomvuzo ngaphakathi okwahlukileyo. Nokuba kwenzeka ntoni kwiimarike zezabelo kwiinyanga ezizayo. Ukongeza, iya kuba yindlela yoqobo yokukhusela kukungazinzi okukhoyo kwiimarike zezemali kwezi nyanga. Ukuze ngale ndlela, uhambe ngokuzolileyo uchithe iiholide kunye nabantu obathandayo kwaye ngaphandle kwamaxhala amakhulu ngokubhekisele kubudlelwane bakho necandelo lotyalo-mali.
Ukubaleka icandelo lebhanki
Alithandabuzeki elokuba elinye lawona macandelo aphikisanayo ngexesha leenyanga zehlobo lelo limelwe ziibhanki. Yeyona nto ibaluleke kakhulu kwizigqibo ezinokuthathwa kwi-European Central Bank (ECB), kwaye ke ngenxa yoko inokukhula ilahleko ephezulu kunakwamanye amacandelo emarike yemasheya. Eyona nto icetyiswayo kukuba uyeke ukuvula izikhundla kweli candelo ngeli xesha lonyaka. Ukuze ungabinayo eminye imimangaliso emibi ngeholide yakho ekudala uyilindile. Akumangalisi ukuba ezinye zexabiso lalo ligxile kumgangatho oqinisekileyo wokuhla kuwo onke amaxesha okusisigxina: amafutshane, aphakathi kunye aphezulu.
Ukongeza, ayilo candelo lifanelekileyo ukuvula izikhundla ngaphambi kwe- ukuguquguquka Babonisa isenzo sabo kwezi kwaye nakwiinyanga ezilishumi elinambini ezidlulileyo. Ngale ndlela, ukuhla kwexabiso uBanco Sabadell athe wakwenza kwisiqingatha sokuqala sonyaka akunakuqatshelwa. Apho kukhokelele ekuxabisweni kwayo sele kungaphantsi kweyunithi ye-euro kwaye kuye kwabangela ukuba abatyali zimali abancinci nabaphakathi baphulukane nemali eninzi kwezi zikhundla kwicandelo lebhanki. Isizathu esaneleyo ngaphezu kokungabuyeli kweli candelo lentengiso yesitokhwe, ubuncinci kwiinyanga ezimbalwa.
Shiya isikhwama ehlotyeni
Ngeli xesha lokuzonwabisa, umbono olungileyo kukuba ubaleke kwiimarike ze-equity. Ukuya kwiimveliso ezilula kwaye oko kunokunika uxolo lwengqondo ngakumbi ngeli xesha lonyaka. Ngembuyekezo encinci yokujikeleza i-1%, kodwa ngendlela eqinisekiswe ngokupheleleyo kwaye ngaphandle kwakho ukwazi ukufumana ilahleko yalo naluphi na uhlobo. Ngeemveliso njengommeli njengedipozithi yexesha lebhanki kwaye ukuba okwangoku ungazithenga ixesha leminyaka emithathu. Ixesha elililo elihlala ixesha lonyaka kwaye elisebenza njengotyalo mali lokuvala ngelixa uchitha iholide yakho kwenye indawo. Ukuba kwelinye icala, imveliso engenazikhomishini kunye nezinye iindleko kulawulo lwayo okanye kulondolozo.
Esi sicwangciso sotyalo-mali sisebenza ngokufanelekileyo kuwe Zolile kwezi ntsuku zokuphumla Kwaye awunakukhathazeka malunga namaxabiso kwiimarike ze-equity. Yindlela yokwexeshana kodwa inokusebenza kakuhle ukukhusela imeko yakho yemali ukusukela ngoku. Apho kungafuneki ukuba uthathe naluphi na uhlobo lomngcipheko kuba iyimodeli yokonga ecacisiweyo kwaye ivulelekile kuzo zonke iiprofayili ezikhoyo kubatyali mali abancinci nabaphakathi. Ngaphezulu kokuthathelwa ingqalelo kobuchwephesha okuya kuba ngumxholo welinye inqaku.
Yiya kwezinye iimarike
Okokugqibela, bonisa ukuba enye yenkxaso kufuneka uzikhusele kwiimeko ezingafunekiyo kwiimarike zezemali esekwe kwezinye iindlela zentengiso. Njengomzekelo, leyo ye i zinyithi Okwangoku ibonisa umba obalaseleyo wobuchwephesha. Nangona ngokuchaseneyo, umngcipheko uphezulu kakhulu kunezinye izindululo zotyalo-mali. Ngenxa yokuba ukungazinzi kwayo kuphezulu kakhulu kwaye kungakhokelela kumdlalo ombi kwizikhundla zakho kule marike ikhethekileyo.
Kwelinye icala, akuthandabuzeki ukuba kufuneka ubonelele ngamava abanzi kolu hlobo lokusebenza kuba iimarike zabo zahlukile kwezoqhelekileyo. Ukuba awuthobeli le mfuno, kuya kuba ngcono kuwe ukuba uyeke ukwenza naluphi na uhlobo lomsebenzi. Ayothusi into yokuba uya kuba nethuba elingcono lokushiya i-euro ezininzi endleleni. Kwaye le yinto ekufuneka uyiphephe ngakumbi kwiinyanga ezinobungozi kuzo zonke iimarike zokulingana. Njengenye yeenjongo zakho eziphambili kwizicwangciso ekufuneka uzithathile ngeli xesha lonyaka.