Kuthiwani uma i-inflation, kuthiwani uma idiphozi yesikhathi esinqunyiwe... ngokuqinisekile uhlangabezane namagama angaqondakali ngokuphelele futhi awazi ukuthi kungenzeka yini ukuthi ulahlekelwe yimali futhi wenze izinqumo ezimbi. Omunye wemibuzo evamile uma ukhuluma ngokukhuphuka kwamandla emali kanye nediphozithi yesikhathi esinqunyiwe ukwazi ukuthi ukwehla kwamandla emali kuthinta kanjani idiphozi yesikhathi esinqunyiwe. Yinto enhle noma embi?
Uma ufuna ukwazi ukuthi ukukhuphuka kwentengo kuhle noma kubi kumadiphozithi esikhathi esinqunyiwe, bheka ulwazi esiluqoqele wena.
Kuyini ukwehla kwamandla emali
Ngaphambi kokuxoxa ngemiphumela yokwehla kwamandla emali kumadiphozithi esikhathi eside, kubalulekile ukuqonda ngokugcwele ukuthi sisho ukuthini ngokukhuphuka kwamandla emali. Ngokusho kweRoyal Spanish Academy (RAE), ukukhuphuka kwamandla emali kuwukwenyuka kwezinga lentengo elijwayelekile. Ngamanye amazwi, kungukwenyuka kwamanani okuvamile.
Ukukhuphuka kwentengo kusho ukuthi inani lemali liyehla ngoba ungathenga kancane ngemali efanayo naleyo ebitholakala phambilini futhi obuthenga ngayo izinto eziningi.
Kuwo wonke amazwe, ukwehla kwamandla emali kuncike ezintweni eziningana ezifana nalezi:
- Isidingo esikhulu kunokunikezwa. Okusho ukuthi, okwenzekayo ukuthi imikhiqizo eminingi noma amasevisi aya-odwa kunalawo anikezwa emakethe. Isibonelo esicacile kungaba yilokho okwenzeka ngamamaski ngesikhathi sodlame, ngenxa yesidingo esikhulu esasikhona, amanani enyuka kakhulu.
- Ukwenyuka kwezindleko zokukhiqiza impahla noma isevisi. Lapho udala umkhiqizo kubiza ngaphezu kokujwayelekile, into evamile ukuthi intengo yokuthengisa ibuye ikhuphuke ukuze kunxeshezelwe ukunyuka kwezindleko zezinto ezisetshenzisiwe.
- Ukwehla kwamandla emali okuzenzela. Kwenzeka njengesibikezelo, okwenza izintengo zezimpahla noma amasevisi zikhuphuke kancane kancane ngomthelela omncane emaphaketheni abathengi.
- Ukwehla kwamandla emali kwesisekelo semali. Kungumkhiqizo omkhulu kunesamba semali esakazwayo ukuze ukhiqize ukwanda kwesidingo bese ukhuphula amanani ngenxa yokuntuleka kokukwazi ukuhlinzeka yonke imikhiqizo eceliwe.
Ayini amadiphozithi esikhathi esimisiwe?
Bese siba nediphozithi yesikhathi esinqunyiwe. Lona umkhiqizo wezezimali onikeza imbuyiselo enqunyiwe neqinisekisiwe . Ukuze uwusebenzise, ​​umane ugcine inani elithile lemali elifakwe ebhange isikhathi esithile, futhi phakathi naleso sikhathi awukwazi ukulihambisa noma ukulikhipha.
Inani eliphakeme ongalitshala ukuze ungabi nayo ingozi ama-euro angu-100.000 ngomnikazi ngamunye nebhizinisi. Le mali ibangelwa ukuthi ifakwe umshwalense yisikhwama seSiqiniseko Sediphozithi.
Phakathi kwezici ezibaluleke kakhulu okufanele uzicabangele lapho uthatha idiphozithi yesikhathi esinqunyiwe yilezi ezilandelayo:
- Inzuzo, okungaba izinga lenzalo ibhange elikunika lona ngokuba nemali isikhathi esithile.
- Isikhathi, okuwubude besikhathi idiphozi ehlala ngaso futhi ngokuvamile eba phakathi kwezinyanga ezintathu nezingama-36.
- Inani, okuyinani lemali ozoyifaka kuleyo akhawunti futhi ongeke uthuthe kuyo isikhathi esithile.
- Inkokhelo, okuyisikhathi lapho inzalo etholwe ngaleyo diphozithi yemali izokhokhwa kuwena.
- Ukukhansela, okuyithuba lokubuyisela imali oyifakile ngaphambi kokuba leyo mali efakiwe yesikhathi esinqunyiwe iphele. Yebo, kufanele ukhumbule ukuthi kuzoba nesijeziso ngenzalo.
Kungani ukwehla kwamandla emali kuthinta amadiphozi esikhathi esinqunyiwe
Manje njengoba usunokuqonda okujulile kokuthi kuyini ukwehla kwamandla emali nokuthi iyini idiphozithi yesikhathi esinqunyiwe, kungenzeka ukuthi usunawo umbono wokuthi kungani kukuthinta. Idiphozi yesikhathi esimisiwe inezinga lenzalo nemibandela engashintshi ngokuhamba kwesikhathi. Lokhu kusho ukuthi uma i-inflation iphakeme noma iphansi, ngeke ikuthinte, kodwa, empeleni, uzobe ulahlekelwa imali.
Ukuze sikunike umbono, konke ukukhuphuka kwentengo kuzonciphisa amandla okuthenga emali oyifakile kuleyo akhawunti yasebhange. Isibonelo, ake sithi une-€10.000 kwidiphozithi yesikhathi esinqunyiwe enenzalo yonyaka engu-0,5%. Ukukhuphuka kwentengo yonyaka kungu-2%. Lokho kusho ukuthi ulahlekelwa yimali ngoba uthola u-0.5% kuphela, futhi ulahlekelwa ngu-1,5%.
Kungalesi sizathu ochwepheshe bahlale betusa ukuthi kubhekwe amadiphozi esikhathi esinqunyiwe anezilinganiso zenzalo ephakeme kakhulu noma ngisho ukuthi lo mkhiqizo wezezimali awusetshenziswa, kodwa kunalokho onenani lenzalo elihlukahlukene.
Ingabe kuyacaca kuwena manje ukuthi ukwehla kwamandla emali kuyithinta kanjani idiphozithi yesikhathi esinqunyiwe?