Ukufuna izinzuzo eziphakeme kunenzuzo yokonga kwethu?

Esinye sezici zemali engenayo engaguquki ukuthi ayinikezi imbuyiselo okwamanje. Ngokwezinga lapho abatshalizimali abaningi bezama ukulungisa le nkinga enkulu ngokukhomba izinzuzo izinkampani ezizabela abaninizabelo. Hhayi ize, imali yesikhathi, imali yasebhange noma amabhondi kuyaqabukela kweqe amazinga we-1% kuzintshisekelo zabo. Njengomphumela wentengo eshibhile yemali ngemuva kwezinqubomgomo zemali ezenziwa yi-European Central Bank (ECB).

Lesi simo sentengo yemali sesiholele abaseshi abaningi ukuzama ukuthola okusha amathuba ebhizinisi ukwenza imali yakho inenzuzo. Futhi enye yezindlela okufanele bazuze ngayo lokhu kungalo mholo, okungukuthi, izinzuzo. Ngoba kuyindlela elula neyoqobo yokwenza yakha imali engenayo engaguquki kokuguquguqukayo. Ukwenza ngcono imbuyiselo yokonga futhi kungabhekana neziqinisekiso ezinkulu zempumelelo ukwenyuka kwezindleko zempilo ngokwenyuka kwamandla emali.

Yebo, yize i-priori ukuqoqwa kwezinzuzo kungumbono omuhle wokuthuthukisa amamajini azoya ku-akhawunti yakho yokonga, futhi kunikeza nochungechunge lokungabaza. Kulula ukuthi ubazi ukuze ukwazi nquma ukuthi iliphi isu lokutshala imali elihle kakhulu ongayisebenzisa kusukela manje kuqhubeke. Ngoba azikho iziphakamiso eziningi onazo ukuze uthuthukise ibhalansi ye-akhawunti yakho yokuhlola. Futhi iningi labo lihamba ngokuzibandakanya kakhulu ezimakethe zezimali. Kucace bha.

Izabelo: kuyisu elihle yini?

Ukuhlelwa kwezezimali okusekwe kumasheya anezithelo eziphezulu kungasiza kakhulu ezintweni ozithandayo. Kepha hhayi ngaphandle kwezingozi, njengoba uzokwazi ukuqinisekisa kusukela manje. Hhayi ngenxa yokusebenza uqobo, kepha ngoba kungakususa kwezinye izimpahla zezezimali ngesimo esizuzisa kakhulu ezinyangeni ezizayo. Kuyinto okumele uyicacise wena wedwa ukwazi ukuthi yini ekufanele kakhulu okwamanje.

Ungahle uhlele leli su elikhetheke kakhulu ukuze yenza isikhwama sokonga esikhathini esimaphakathi nesikhathi eside. Ukwanelisa noma yikuphi ukuthanda kwakho noma ukuhlela umhlalaphansi, noma ngabe usemncane kakhulu. Inhloso yayo ingahlukahluka futhi inazo zonke izinhlobo zama-nuances. Yize kungabasindi abavikela kakhulu nabadala abakhetha le modeli yokuphatha engcebweni yabo.

Noma kunjalo, khetha lesi sikhwama kungaba yingozi kakhulu ezithakazelweni zakho. Isizathu singenxa yokuthi ungakhohlwa imikhakha enamasu enjalo emakethe yamasheya engaqali kusukela ekusatshalalisweni kwalomholo. Lapho okunye okubaluleke kakhulu kungokwobuchwepheshe. Futhi akufanele utshale imali kulezi zibambiso ngoba nje zikhokha izinzuzo. Kungaba iphutha elingenza ukhohlwe ngamanye amathuba ebhizinisi ezimakethe zezimali.

Akuyona inkokhelo yamahhala

Awukwazi ukukhohlwa ukuthi akekho umuntu onikeza noma yini mahhala, izinkampani ezibalwe kakhulu. Izabelo yimali abakunikeza yona futhi edonswa ngokuzenzakalela kokuqoqelene kwayo. Yize ngokuvamile bezibuyisa ngentengo yabo ngemuva kwezikhathi ezimbalwa zokuhweba, ngisho nokudlula lawo mazinga. Kepha akuwona umthetho olandelwa njalo. Noma kunjalo, kuzoba njalo inkokhelo ozobe uyiqinisekisile minyaka yonke. Ngokukhokhwa okujwayelekile okungaba ngekota, unyaka nonyaka noma ngonyaka, kuya ngenqubomgomo yenkokhelo yenkampani okukhulunywa ngayo.

Ngaleli qhinga usesimweni sokukhiqiza ifayela le- buyisela ekongeni kuze kufike ku-8%. Ngomkhawulo ongcono kakhulu kunemikhiqizo yasebhange (amabhondi, imali yesikhathi noma amanothi ezethembiso zebhange, phakathi kokubaluleke kakhulu). Noma kuhloselwe iphrofayili yomtshali-mali onolaka kakhulu kunalezi zindlela zokonga. Ngoba ngaphandle kwalesi sici kumholo, ungabhekana nokwehla nokwehla kwezimakethe zezezimali. Ukwehlisa noma ukukhuphuka kwikhotheshini yamanani ayo.

Ukuhlela umhlalaphansi

Enye yezinjongo ezibaluleke kakhulu zezokuphepha ezikhokhela izinzuzo ukudala uhlelo olungaguquguquki lomhlalaphansi. Ukusuka kulesi simo, isikhathi saphakade sizoya esikhathini esiphakathi futhi ikakhulukazi isikhathi eside. Akumangalisi ukuthi ikuvumela ukuthi uqoqe imali engenayo engaguquki minyaka yonke. Okungezwa kukho ukuvuselelwa okungenzeka kwamasheya athengiwe. Ukuze ngale ndlela, uzitshale eminyakeni yegolide ngebhalansi yemali enamandla kakhulu.

Ungasebenzisa le modeli ekhethekile yokonga kusukela eminyakeni engama-40 noma engama-50. Uma umncane ngeke kube yisikhathi ukwenza lolu hlelo lokonga ngezabelo. Kusuka kunani elinesizotha futhi elingabizi kakhulu kunoma iyiphi iphrofayili yesaver oyivezayo. Ngemiphumela engahle ivune izintshisekelo zakho kanye nangaphezulu kwezinye izinhlelo ezenzelwe umhlalaphansi wakho lapho ufika. Futhi uma bangeluleka emnyangweni wezezimali, kungcono kakhulu.

Yikuphi ukubuyiselwa okuhle kakhulu?

Uma ucabanga lokhu kungenye yotshalo-mali, kufanele wazi ukuthi i- izinkampani zikagesi yibo abanikeza isabelo esivulekile kakhulu. Ngembuyiselo lelo banga liphakathi kuka-5% no-8% futhi ngokujwayelekile ngenkokhelo yonyaka owodwa. Okubalwe njenge-Iberdrola, i-Endesa, iGesi Yemvelo noma i-Red Eléctrica ngezinye zeziphakamiso ongakhetha kuzo kusukela manje kuqhubeke. Ngaphezulu kweminye imikhakha yemakethe yamasheya, kufaka phakathi amabhange. Ngaphezu kwalokho, yizinkampani ezigcina ukuzinza okuthile kuzintengo zazo. Ngokuguquguquka okuncane kanye nokuthengiswa kwemali enkulu ekuthengisweni kweziqu zayo.

Ungaya futhi nasezimalini zokutshala imali ezenziwa ngokuvikeleka kwalezi zici. Kepha ngezindlela eziphephile ezikuvumela ukuthi uhlukanise utshalomali lwakho. Esikhundleni sokutshala imali esitokisini, ukwenza ususebenzisa indlela evuleke kakhudlwana nalapho ezinye izimpahla zezezimali zingafakwa khona. Kwakha enye indlela yokwakha ukushintshaniswa kokonga esikhathini esimaphakathi nesikhathi eside, kepha kancane kancane. Ngaphandle kokunyuka okumangazayo, kepha lapho ungacabanga khona ukuthi ukulahlekelwa ngeke kubonakale kakhulu.

Iminikelo yala manani

Kunoma ikuphi, ukusetshenziswa kwaleli su lokutshala imali kukulethela uchungechunge lwezinzuzo ezijabulisa kakhulu. Futhi phakathi kwalokhu okulandelayo kuvela ukuthi sikudalula ngezansi.

• Kunzima kakhulu ukuthi ngokuhamba kwesikhathi uthola okwanele ukulahleka ezikhundleni ezivulekile kulezi zimpahla zezezimali. Noma kungenxa yezindlela zokonga ngokweqile ezingase zingakuthandi.
• Uzohlala unembuyiselo eqinisekisiwe isikhathi eside, naphakade. Kuzofanele ukhethe isiphakamiso esivumelana kahle nezimpawu zakho njengomtshali-zimali omncane naphakathi. Phakathi kohlu olubanzi lwezinkampani ezihlangabezana nale nhloso.
• Uma izinhloso zakho zigxile ukusebenza ngokushesha, vele, ngeke kube yindlela efanelekile yokuvikela izintshisekelo zakho. Kungcono ukuthi uye kwamanye amanani aguquguqukayo angahlangabezana nale mfuno ekhetheke kakhulu.
• Uma kungenzeka, kuzoba ngcono ukukhetha amanani anezabelo ngesici sobuchwepheshe esingcono nokuthi bangenza kangcono kunabanye. Ngisho nangezikhathi ezimbi kakhulu zezimakethe zokulingana. Ngokubuya ngamandla okuhlukahluka nakuzo zonke izingxenye zemakethe yamasheya.
• Kuyimali ukuthi uzothola ngokushesha ku-akhawunti yakho yokuhlola nokuthi ingakusiza ukubhekana nezindleko zomnotho wakho wasekhaya. Noma ukukhokhela ukuthanda kwakho, njengokuthenga isithuthuthu noma ukuthatha uhambo lokuya phesheya, bangabangani bakho abakhulu.
• Kuyasiza kakhulu ukwakha uhlu olukhombisa zonke izinkampani ezisabalalisa izinzuzo kanye ne inani elifanayo elifanayo. Ukuba usizo olukhulu kuwe ekuthengeni okukhethiwe kwalesi sigaba sezokuphepha,
• Njengomthetho ojwayelekile, kuyalulekwa ngempela ukuthi nini cabanga ngomhlalaphansi ongaba khona uqeda ukwahlukana phakathi kokutshalwa kwemali nezinzuzo. Kuyisici esizovikela ubungozi obungahileleka kulolu hlobo lotshalo-mali. Kuze kube seqophelweni lokuthi ukuhlela ukutshalwa kwezimali kuzohlala kwanelisa kakhulu.
• Ungaba nemibuzo ethile mayelana nokuthi kuyakuzuzisa yini ukusetshenziswa kwaleli su. Ngoba empeleni, ngeke kuhlale kuyisikhathi esifaneleke kakhulu ukwenza lokhu kuvulwa kwezikhundla ezimakethe zezimali.
• Imishini yalezi zimiso ihlale ilawulwa yi ukungaguquguquki okufanayo nangokuhluka okumbalwa phakathi kwempahla yezimali eyodwa noma enye. Kepha lokho akubonisi ukuthi akufanele uhlaziye isimo sonyaka salezi zingxenye zemakethe yamasheya.
• Izinkampani ezikhokha izinzuzo yibo abazinzile kakhulu ezimakethe zezezimali. Ngemigqa yebhizinisi elihlanganisiwe elihambisa izinzuzo kubo bonke abaninimasheya. Ingxenye enhle yazo ivela kunkomba yokulinganisa yemakethe yamasheya yaseSpain, i-Ibex 35.
• Akufanele uthonye le modeli yokutshala imali uma ungafuni ukuzincisha wena ekwenzeni ngcono ukusebenza kwempahla yakho yangasese noma yomndeni. Ngoba lokhu unakho ezinye izindlela eziphumelela ngokwengeziwe ngalezi zikhathi. Ngazo zonke izinhlobo zemikhiqizo yezezimali.