Kuvamile kulezi zinsuku ukuzibuza ukuthi wenzeni ngemali yakho oyilondolozile eminyakeni ezayo. Futhi enye indlela ehlala ivela ukutshala imali emakethe yamasheya . Akumangazi-ke ukuthi imithombo ehlukahlukene ikhombisa ukuthi lo nyaka ngeke ube mnandi kakhulu kulolu hlobo lokutshalwa kwezimali. Kodwa ngokuphambene nalokho, kunemibono ephakamisa okuphambene nalokho. Uma ubheka lesi simo, ngeke ube nakukhetha ngaphandle kokunquma ngokushesha. Khetha indlela eyodwa noma enye bese uzama ukwenza imali yakho ikhule ngangokunokwenzeka. Into, ngendlela, engeke ibe lula.
Ukuze sikusize wenze izinqumo ezinolwazi oluthe xaxa, sizochaza ezinye zezici ezingase zithonye isinqumo sakho sokuthenga noma ukuthengisa amasheya. Nakuba kungafanele uzilandele ngokungacabangi, okungenani zizokunikeza isiqondiso sendlela yokusingatha izenzo zakho ezinyangeni ezizayo. Khumbula ukuthi ukusebenza kwemakethe yamasheya ngeke kuhambisane unyaka wonke ; kunalokho, kuzoshintshashintsha njalo. Ungasebenzisa lokhu ukuze uzuze futhi ulungise isu lakho lokuhweba kusukela manje kuya phambili.
Kunoma ikuphi, into eyodwa eqinisekile: imakethe yamasheya iyithuluzi lezezimali elizonikeza imbuyiselo ephezulu kakhulu phakathi no-2018, uma nje umkhuba wayo uphezulu okungenani ngokumaphakathi . Kuzo zonke izimo, lezi mbuyiselo zizodlula lezo ezikhiqizwa yimikhiqizo eyahlukene yasebhange noma ngisho nalezo ezivela kwezinye izingxenye zemali engenayo egxilile, lapho amazinga enzalo engeke adlule cishe ku-1,50%. Lokhu kufaka phakathi, isibonelo, amadiphozithi esikhathi esigxilile, amanothi esithembiso, ama-akhawunti anezinzuzo eziphezulu, noma ngisho namabhondi kahulumeni.
Izizathu zokuthi yebo esikhwameni
Isizathu sokuqala ukuthi umkhiqizo wezezimali okulula kakhulu kubasebenzisi abaningi ukuwuqonda. Awudingi ulwazi olukhethekile lwezezimali , futhi okubaluleke kakhulu, ufanele zonke izinhlobo zabatshalizimali abancane nabaphakathi, njengawe. Leso yisizathu esanele sokungawunaki loluhlobo lokuthengiselana ezimakethe zezimali, okungenani hhayi kulo nyaka, okungase kuqhubeke nomkhuba weminyaka edlule.
Ayikho enye inketho yokwenza imali ethe xaxa
Asikho isizathu esibaluleke kakhulu sokukhetha le makethe yamasheya kuneqiniso lokuthi iyindlela enenzuzo kakhulu etholakalayo njengamanje. Ingozi kuphela ukuguquka kwemikhuba ezinyangeni ezizayo okungaphazamisa ukubikezela kwakho. Ngisho nokwenyuka okuncane kwezinkomba zemakethe yamasheya kuzohlala kuzenza zincintisane kakhulu kuneminye imikhiqizo yezezimali. Awudingi ngisho nokubamba izikhundla inyanga yonke. Ungabuyisa imali oyitshalile ezinsukwini ezimbalwa, amasonto, noma ngisho nezinyanga. Uma wenza kanjalo, uzobe usuhlanganise ukubikezela kwakho konyaka wonke.
Kulokhu, iningi elicacile labahlaziyi bezezimali likholelwa ukuthi amasheya angcono kunemali engenayo engaguquki. Kufanelekile ukuthatha ingozi encane ezikhundleni zakho ukuze uthuthukise imbuyiselo ekutshalweni kwakho kuze kube nguNovemba. Imbuyiselo ejwayelekile yemakethe yamasheya eminyakeni emihlanu edlule iphakathi kuka-10% no-15%. Kodwa-ke, zonke izinkomba ziphakamisa ukuthi lo nyaka uzohluka; ngokuphambene nalokho, kungaba nzima kakhulu ukufinyelela ezingeni lika-10%. Ngenkomba yesitoko ye-benchmark yaseSpain, i-Ibex 35, abahlaziyi bazibekele umgomo wamaphuzu angaba ngu-11.000.
Azikho ezinye izindlela zokutshala imali
Esinye sezizathu ezibaluleke kakhulu zokukhetha imakethe yamasheya njengamanje ukuntuleka kwezinye izinketho. Imikhiqizo yasebhange yendabuko inikeza imali encane nje kuphela ngokubuyisela imali eyongiwe. Ngaphezu kwalokho, akusona isikhathi esihle semali engenayo eqondile, njengoba amandla ayo amaningi okukhula asevele ebekwe entengo. Kwezinye izimo, akukho thuba lokuthuthuka. Njengoba unikezwe lesi simo esicacile, ngeke ungabaze ukuthi indlela engcono kakhulu yokwenza imali yakho ikhule ukutshala imali emakethe yamasheya , okungenani ngonyaka olandelayo. Lokhu kungafezwa ngemikhiqizo ehlukahlukene yezezimali kanye namasu okutshala imali ahlukene.
Ivumelaniswe nanoma ikuphi unomphela
Enye yezinzuzo zokutshala imali emakethe yamasheya ukuthi ungayivumelanisa nanoma yisiphi isikhathi osifisayo, ngaphandle kokukhetha. Kusukela ezikhathini ezimfushane kuya kulezo ezidinga izikhathi ezidinga kakhulu , kuhlale kuncike ezidingweni zakho kanye namasu owasebenzisayo ukuze wandise inzuzo yakho. Lokhu kuguquguquka kukuvumela ukuthi wenze izinqumo ezinolwazi oluthe xaxa nganoma yisiphi isikhathi, uzivumelanise nazo zonke izimo ezivela ezimakethe zezimali ngesiqinisekiso esikhulu sempumelelo kusukela ekuqaleni.
Ukufinyelela ezimakethe ezingenakubalwa
Ukuthenga nokuthengisa amasheya emakethe yamasheya ngokungangabazeki kukuvumela ukuthi uqondise imali yakho kunoma yisiphi isifunda sendawo. Hhayi nje izimakethe eziseduze, kodwa futhi nezinye ezazibonakala zingafinyeleleki kuze kube muva nje , njengezimakethe zase-Asia noma zaseLatin America. Amathuba okukhula angenamkhawulo, njengakweminye imikhiqizo yezezimali. Konke lokhu kufezwa ngemodeli yokutshalwa kwezimali eyodwa kanye nendlela yokuhweba efanayo. Lokhu kuyinto ozoyithokozela kakhulu lapho uvikela izintshisekelo zakho njengomtshalizimali omncane noma ophakathi.
Ungahweba ngemali encane
Esinye sezici ezichaza ukuhweba ngemakethe yamasheya ukuthi ungaqala ngamanani amancane kakhulu. Ungatshala cishe ama-euro ambalwa , kuze kufike kunoma yiliphi inani olikhethayo. Azikho izidingo ezincane zokuvula izikhundla ezimakethe zezimali. Nakuba kuyiqiniso ukuthi izikhundla ezinkulu zizokwandisa inzuzo engaba khona ekuhwebeni ngakunye okwenzayo, inani olitshalayo ngeke libe yisithiyo ekutshaleni imali emakethe yamasheya. Kuyindlela engabizi kakhulu kuzo zonke izabelomali zemindeni.
Ungenza ngokwezifiso ukusebenza
Enye yezinzuzo zokuthenga nokuthengisa amasheya e-stock exchange ukuthi ayakwazi ukuzivumelanisa nezimo. Ngeke ukhawulelwe kunoma iyiphi indlela ethile . Ngokuphambene nalokho, uzoba nenkululeko ephelele yokuzivumelanisa nanoma yiziphi izimo ezikhona ezimakethe zezimali, kungaba ngokwezintengiselwano ezincane noma lezo ezidinga ukutshalwa kwezimali okukhulu. Akekho ozokhawulela ukuthi ufuna ukuchitha malini ekutshaleni imali emakethe yamasheya. Futhi khumbula, ungavula izikhundla e-stock exchange nge-euro eyodwa kuphela. Imikhiqizo embalwa yezezimali inikeza leli zinga lenkululeko yokuthatha izikhundla kunoma iyiphi impahla.
Unokusekelwa okuningi
Enye yezinzuzo zokuthenga nokuthengisa amasheya e-stock exchange ukuthi uzoba namathuluzi amaningi okusekela onawo ukuze uvule izikhundla ezimakethe zezimali. Lokhu kufaka phakathi ulwazi olubanzi olutholakala emithonjeni yezindaba ekhethekile kanye nezitolo zedijithali, lapho ungatshelwa khona ngisho namaphuzu okungena nokuphuma kwezohwebo zakho. Lokhu kuyinto engatholakali kweminye imikhiqizo yezezimali ekhethekile. Kunoma ikuphi, akufanele ukhohlwe ukuthi imakethe yamasheya kulula kakhulu ukuyiqapha nsuku zonke. Ngale ndlela, uzohlala wazi inani langempela lokutshalwa kwezimali zakho. Ngale ndlela, awusoze waba nesikhathi sokulandelela ngempumelelo yonke imisebenzi oyenzayo.
Inikeza inzuzo enkulu
Futhi awukwazi ukukhohlwa ukuthi imikhiqizo embalwa yezezimali inikeza izinzuzo zokuhweba ngemakethe yamasheya. Ungase uphethe ngokuthi awunayo enye indlela yokuzuza ekutshalweni kwakho kwezimali. Ngaphezu kwalokho, ukutshala imali emakethe yamasheya akudingi ulwazi oluningi lwezezimali, ngokungafani nemikhiqizo ephumayo, amawaranti, noma ikusasa. Izidingo zokutshala imali emakethe yamasheya zifinyeleleka kakhulu cishe kubo bonke abatshalizimali abancane nabaphakathi. Akumangalisi ukuthi ukutshala imali emakethe yamasheya kubhekwa njengokuthandwa kangaka, uma kubhekwa ukufinyeleleka kwayo kubasebenzisi abaningi.
Ngaphezu kwalokho, lolu hlobo lokutshalwa kwezimali lutholakala nganoma yisiphi isikhungo sezezimali. Ungaluqeda kalula ngisho nakukhompyutha yakho, ngenxa yefomethi yalo eku-inthanethi, ngaphandle kokuvakashela igatsha lasebhange. Imali iya ngokuya ithengeka kubasebenzisi, kangangokuthi ungakwazi ukuthenga nokuthengisa ukuthengiselana ngemali encane njenge-€15. Ngokuvela kwezipesheli kanye nokukhushulwa okunciphisa kakhulu intengo yokubhalisela lo mkhiqizo wezezimali odumile.