Leli hlobo lingase libe elokugcina elinenzalo ephansi endaweni ye-euro, ngokusho kweBhange Elikhulu LaseYurophu (i-ECB). Wonke amehlo azobe esesinqumweni senqubomgomo yezimali se-ECB ekupheleni konyaka, yize izinkomba zisikisela ukuthi isikhathi semali eshibhile singase siphele. Futhi, njengoba kulindelekile, lesi sinqumo cishe sizothinta izimakethe zamasheya, mhlawumbe ngokushesha kakhulu kunalokho abahlaziyi bezezimali abakulindele. Lokhu kuzoletha amathuba amasha ebhizinisi okufanele uwasebenzise kusukela manje kuqhubeke.
Lesi simo sisho ukuthi leli hlobo, elizoqala, ngeke libe yihlobo nje. Ngokuphambene nalokho, kuzoba yinto ehlukile, futhi noma kunjalo, ngeke ube nakukhetha ngaphandle kokulungela kakhulu kunanini ngaphambili ukwenza imisebenzi yakho ezimakethe zamasheya. Ngemva kwengxenye yokuqala yonyaka ebingcono kunokulindelekile futhi ezophela ngesibonakaliso esihle kancane ngemuva kwezikhathi zakamuva zokuhweba ezimakethe zikazwelonke nezamazwe ngamazwe, singabhekana nengxenye yesibili yonyaka ngethemba elikhulu.
Kunoma ikuphi, kuleli hlobo ungathatha uchungechunge lwamasu okutshala imali angazuzisa izintshisekelo zakho phakathi nalezi zinyanga ezikhethekile. Ngempela, uma leli hlobo lizobonakala nganoma yini, kungenzeka ukuthi lihluke kwelangaphambilini. Ngakho-ke, kungadingeka ulungise amasu akho ukuze wandise imbuyiselo enhloko-dolobha onayo yokutshalwa kwezimali phakathi nalesi sikhathi sonyaka. Ngomgomo owodwa: ukwandisa inzuzo ongayithola kuphothifoliyo yakho yesitoko kusukela manje kuya phambili.
Amasu: amanani asilele
Elinye isu ongalisebenzisa njengamanje ukukhetha amasheya asele ngemuva engxenyeni yokuqala yonyaka. Amanye awo anamandla amakhulu okukhula futhi ngokuqinisekile ayakhanga ngokwanele ukuthi angafakwa kuphothifoliyo yakho yokutshalwa kwezimali elandelayo. Kodwa-ke, qaphela futhi uqinisekise ukuthi umbono wawo wezobuchwepheshe awubi kakhulu ngenxa yokunyakaza okujulile kokwehla okungawavimbela ekubuyiseleni emuva kuleli hlobo.
Ngakolunye uhlangothi, kungcono ukuvula izikhundla ezinkampanini ezisohlwini ezingakaphuli amazinga azo okusekela ubuchwepheshe. Ukwenza kanjalo ngakolunye uhlangothi ngokungangabazeki kuyingozi ekuweni okusha nokuyingozi, lapho ungalahlekelwa khona imali eningi. Lokhu kusebenza ngale kwezinye izinto zobuchwepheshe futhi mhlawumbe ngisho nangombono oyisisekelo. Kunoma ikuphi, lokhu kuhweba kufanele kube okwesikhashana, ikakhulukazi phakathi nezinyanga zasehlobo.
Qoqa inzuzo enkulu
Elinye isu ongalisebenzisa kuleli hlobo, uma uthole inzuzo emasheya ezinyangeni eziyisithupha zokuqala zonyaka, ukuthengisa izikhundla zakho . Lokhu kungenziwa ngokuthengisa okuyingxenye noma okuphelele ukuze ujabulele inzuzo yakho enkulu phakathi nalezi zinyanga zokuphumula nokuphumula. Kungaba futhi umvuzo ongalindelekile ukuthi ekugcineni uthathe lolo hambo obululangazelela kodwa ongazange ukwazi ukuluthatha kuze kube manje. Ngale ndlela, izimakethe zamasheya zingakunikeza uketshezi oludingayo ukuze kwenzeke.
Lolu hlelo lokutshala imali lukuvumela futhi ukuthi ugweme ukulahlekelwa yizikhundla zakho ezivulekile engxenyeni yesibili yonyaka. Ngaphezu kwalokho, uzobe uqaphile kakhulu kunanini ngaphambili ngamathuba amasha ebhizinisi azonikezwa yizimakethe zamasheya kulezi zinyanga. Ngaphezu kwalokho, njengoba abatshalizimali abanolwazi emakethe yamasheya bevame ukusho, "inyoni esandleni ibiza amabili ehlathini." Sebenzisa lesi seluleko esiwusizo ekutshalweni kwakho imali kulo nyaka. Okungenani, uzogwema izinkinga ezithile ekuthengisweni kwemakethe yamasheya.
Imvula ehlukaniswa ngehlobo
Ngakolunye uhlangothi, awukwazi neze ukukhohlwa ukuthi lesi yisikhathi sonyaka lapho izinkokhelo zezabelo kubanikazi bamasheya zivame kakhulu. Izinyanga zasehlobo zisetshenziswa izinkampani ezihweba esidlangalaleni ukunikeza lo mholo, ngembuyiselo yonyaka esukela cishe ku-5% kuya ku-7% , idlula inzalo ekhiqizwa yimikhiqizo eyahlukene yasebhange. Isibonelo, amadiphozithi esikhathi esinqunyiwe, amabhondi ezinkampani, noma ama-akhawunti okonga anezinzuzo eziphezulu anikeza amazinga enzalo angadluli ku-1%.
Lesi sikhathi sonyaka yithuba elihle lokukhetha izinkampani ezizonikeza ukutshalwa kwezimali zakho ithuba lokuzivikela futhi zikuvumele ukuthi wakhe iphothifoliyo engenayo ehleliwe ngaphakathi kwephothifoliyo yakho yezabelo. Lokhu kuzokuvikela kungakhathaliseki ukuthi kwenzekani ezimakethe zezabelo ezinyangeni ezizayo. Ngaphezu kwalokho, kuzoba yindlela yokuqala yokuzivikela ekungazinzini okungase kubhekane nezimakethe zezimali phakathi nalesi sikhathi. Ngale ndlela, ungaya eholidini ngokuthula kwengqondo, ujabulela isikhathi nabathandekayo bakho ngaphandle kokukhathazeka ngephothifoliyo yakho yokutshalwa kwezimali.
Ebalekela umkhakha wamabhange
Akungabazeki ukuthi enye yemikhakha eguquguqukayo kakhulu phakathi nezinyanga zasehlobo yibhange. Iyona ezwela kakhulu ezinqumweni ezenziwe yiBhange Elikhulu laseYurophu (i-ECB), ngakho-ke ingabhekana nokulahlekelwa okukhulu kunezinye izingxenye zemakethe yamasheya . Kungcono ukugwema ukuvula izikhundla kulo mkhakha ngalesi sikhathi sonyaka ukuze ugweme noma yiziphi izimanga ezingathandeki ngesikhathi seholide lakho elilindelwe ngabomvu. Ngempela, ezinye zezitoko zayo ngokusobala ziya ngokuya zehla kuzo zonke izindawo zokutshalwa kwezimali: ezimfushane, eziphakathi nendawo, kanye nezesikhathi eside.
Ngaphezu kwalokho, akuyona imboni efaneleka kakhulu yokuvula izikhundla ngenxa yokuguquguquka kwamasheya ayo okubonisile muva nje ngisho nasezinyangeni eziyishumi nambili ezedlule. Kulokhu, ukwehla kwenani leBanco Sabadell phakathi nengxenye yokuqala yonyaka akunakunganakwa. Lokhu kuholele ekutheni inani layo lehle ngaphansi kwe-euro eyodwa, okubangele ukuthi abatshalizimali abancane nabaphakathi balahlekelwe yimali eningi ezikhundleni zabo zasebhange. Lesi yisizathu esanele sokugwema le ngxenye yemakethe yamasheya, okungenani izinyanga ezimbalwa ezengeziwe.
Shiya isikhwama ehlobo
Phakathi nalezi zinyanga zokuphumula, umqondo omuhle ukuqhela imakethe yamasheya bese ugxila emikhiqizweni elula enganikeza ukuthula kwengqondo okukhulu ngalesi sikhathi sonyaka. Le mikhiqizo inikeza imbuyiselo encane engaba ngu-1%, kodwa iqinisekisiwe ngokugcwele futhi ayinayo ingozi yokulahlekelwa. Cabanga ngemikhiqizo efana nediphozithi yasebhange yesikhathi esinqunyiwe, ongayivula njengamanje isikhathi seminyaka emithathu. Lesi yisikhathi esifanele salesi sikhathi sonyaka futhi sisebenza njengotshalomali oluhlanganisayo ngenkathi ujabulela iholide lakho kwenye indawo. Ngaphezu kwalokho, lawa madiphozithi awakhokhisi mali kanye nezinye izindleko zokuphatha noma zokulungisa.
Leli cebo lokutshala imali liyindlela efanelekile yokuba nokuthula kwengqondo phakathi nalezi zinsuku zokuphumula futhi ungakhathazeki ngokushintshashintsha kwemakethe yamasheya. Kuyindlela yesikhashana, kodwa engaba yimpumelelo enkulu ekuvikeleni imali yakho kusukela manje kuqhubeke. Ngeke kudingeke ucabangele noma yiziphi izingozi, njengoba kuyimodeli yokonga echazwe ngokucacile evulekele zonke izinhlobo zabatshalizimali abancane nabaphakathi. Ezinye izinto zobuchwepheshe zizohlanganiswa kwesinye isihloko.
Iya kwezinye izimakethe
Okokugcina, kubalulekile ukuqaphela ukuthi enye indlela yokuzivikela ezimweni ezingathandeki ezimakethe zezimali ukusebenzisa ezinye izimakethe. Isibonelo, imakethe yezinsimbi eziyigugu okwamanje ibonisa ukusebenza okuhle kakhulu kwezobuchwepheshe. Kodwa-ke, izingozi ziphakeme kakhulu kunezinye izinketho zokutshala imali ngoba ukuguquguquka kwayo kuphezulu kakhulu futhi kungaholela ekusebenzeni okubi ezikhundleni zakho ngaphakathi kwale makethe eyingqayizivele.
Ngakolunye uhlangothi, akungabazeki ukuthi kufanele unikeze isipiliyoni esihle kulolu hlobo lwemisebenzi ngoba izimakethe zabo zehlukile kwezokujwayelekile. Uma ungahambisani nale mfuneko, kuzoba ngcono ukuthi uyeke ukwenza noma yiluphi uhlobo lomsebenzi. Akumangalisi ukuthi uzoba nethuba elingcono lokushiya ama-euro amaningi endleleni. Futhi le yinto okufanele uyigweme ikakhulukazi ezinyangeni eziyingozi kangako kuzo zonke izimakethe zokulingana. Njengenye yezinhloso zakho ezinkulu kumasu okufanele uwathathe kulesi sikhathi sonyaka.