Kunobufakazi obanele bokuthi ihlobo akusona isikhathi esihle kakhulu sokutshala imali emasheya. Ngokomlando, akusona isikhathi esihle kakhulu sonyaka sokukhulisa ukuhweba kwakho. Izinto eziningi zinegalelo kulesi siphetho. Eqinisweni, isu eliphumelela kakhulu lokuvikela izintshisekelo zakho ukugcina imali ku-akhawunti yakho yokuhlola bese ulinda kuze kube ngemva kweholide lakho ukuze wenze izinqumo ezinhle kakhulu zokutshala imali , kungakhathaliseki ukuthi isu lakho lokutshala imali linjani.
Izinyanga zasehlobo, kusukela ngoJuni kuya kuSepthemba, akuzona isikhathi esihle kakhulu sokuvula izikhundla ezimakethe zezimali. Uma ungakakwenzi lokho, kungcono ukulinda izinyanga ezimbalwa ngaphambi kokubuyela emasheya. Ngempela, akufanele ukuthatha izikhundla phakathi nale nkathi ethule yonyaka, okungenani hhayi uma kukhulunywa ngokutshala imali emakethe yamasheya. Kuzoba nezizathu eziningi zokusebenzisa le ndlela ekusebenzelaneni kwakho nomhlaba wezezimali oyinkimbinkimbi njalo.
Izifundo ezahlukahlukene ezenziwe yizinkampani ezinkulu zezimali ziphakamisa ukuthi izimakethe zezimali kungenzeka kakhulu ukuthi zehle kunokukhuphuka kulezi zinyanga. Kodwa-ke, njengoba sikhuluma ngemakethe yamasheya, noma yini ingenzeka . Noma yisiphi isenzakalo noma isenzakalo esingalindelekile singaphazamisa okulindelwe ekuqaleni. Kunoma ikuphi, ngeke ube nakukhetha ngaphandle kokuqaphela ukuthi izimakethe ezahlukene zamasheya zisebenza kanjani.
Ehlobo: ukuxoxisana okuncane
Esinye sezici ezichaza lesi sikhathi sonyaka esilindelwe kakhulu ukwehla kwenzalo yabatshalizimali. Ngempela, ukuhweba ngamasheya kwehla kakhulu phakathi nalezi zinyanga, kuze kube yilapho ukunyakaza kuncane, kokubili kubathengi nabathengisi . Amasheya ambalwa kakhulu ashintshwayo, emazingeni aphansi kakhulu onyaka. Lokhu akumangazi neze, njengoba abatshalizimali abaningi besebenzisa lesi sikhathi ukunikeza ukutshalwa kwezimali kwabo ikhefu elifanele, okungenani phakathi nezinyanga zasehlobo zikaJulayi noSepthemba.
Ngenxa yalokhu okungavamile, ukunyakaza okuphambene kuvamile kakhulu ezimakethe zezimali. Lokhu kunyakaza kungase kungabi namandla kangako , ngezinye izikhathi kungakhi ngisho nomkhuba ocacile ongakuvumela ukuthi wenze isinqumo ngandlela thile. Kufanele uqaphele kakhulu mayelana nokunyakaza okukhiqizwa emasheya. Akuzona ngisho nezinkomba ezithembekile zokuthenga nokuthengisa amasheya ezindaweni ezahlukene zokushintshana kwamanye amazwe. Lesi akusona isikhathi esifanele, hhayi nje sokuthengisa izikhundla zakho zemakethe yamasheya, kodwa futhi nokushiya izimakethe zezimali ngokuphelele. Kuzofika izikhathi ezingcono zokuthatha isinyathelo ngalezi ziqondiso.
Ukuthuthukiswa kokunyakaza okungahambi kahle
Kufanele futhi uqaphele ukuthi phakathi nalezi zinyanga zasehlobo, kwenzeka ukunyakaza okungajwayelekile ngempela. Ngempela, amanani esitoko angakhuphuka noma ehle ngamasheya ambalwa kakhulu athengiswayo . Endabeni yamasheya amancane kakhulu ezimakethe zezimali, lokhu kungaholela ekushintsheni kokulinganisa. Lokhu kunezingozi ezinkulu uma unquma ukugcina izikhundla zakho zivulekile. Ngempela, unokuningi ongakulahlekelwa kunalokho ongakuzuza ezimweni eziningi, kuze kube seqophelweni lokulahlekelwa yimali. Ungakhohlwa lokhu kusukela manje kuqhubeke.
Esinye sezigameko ezijwayelekile ezingakhula kule nkathi yonyaka ukuthi ubuvila ezingcaphunweni zabo buholela ekutheni umuntu adinwe. Ngoba kukuvimbela ekwenzeni noma yiliphi isu lokutshala imali. Kuze kube seqophelweni lokuthi ungakwazi ukuphelelwa yithemba ngesinye isikhathi noma kwesinye. Akumangalisi ukuthi kufanele ucabange ukuthi kuyinto ejwayelekile engenzeka kwizibambiso eziningi ezibalulwe ezinkampanini zokulingana zikazwelonke. Ngalesi sizathu, ihlobo akusona isikhathi esihle sonyaka ukuvikela izintshisekelo zakho. Uma kungenjalo, kuphambene impela, njengoba ubona kumagrafu omlando wamanani.
Phumula kubatshalizimali
Esinye isizathu salesi simo esingavamile ukuthi abalamuli bezezimali bathatha ikhefu elifushane, lesikhashana, mhlawumbe ukuze balungiselele ukungena ngamandla ezimakethe zezimali ezinyangeni ezilandelayo. Kusukela kulo mbono, awukwazi ukuthembela kunoma yikuphi ukunyakaza kwemakethe nhlobo, kungaba ngezinkomba zasekhaya noma zomhlaba wonke. Ngamafuphi, ukuhweba kunzima kakhulu ngalesi sikhathi sonyaka.
Njengoba kulindelekile, phakathi nezinyanga zasehlobo eziphakeme kakhulu kuba nokwanda kwabatshalizimali abancane nabaphakathi. Lokhu kuzobonakala emananini esitoko, noma okungenani engxenyeni enkulu yawo. Kodwa-ke, lokhu akusho ukuthi awukwazi ukwenza imali yakho ikhule. Ngokuphambene nalokho, kufanele ukhethe kakhulu ekwakheni iphothifoliyo yakho yokutshala imali . Akuyona nje noma yisiphi isitoko esizokwenza; udinga labo abangabonisa amandla amakhulu ekushintsheni kwamanani abo. Lokhu kuyinto okumele uyikhumbule lapho uthuthukisa noma yiluphi uhlobo lwesu lokukhulisa ukutshalwa kwezimali kwakho.
Ukuguquguquka kwentengo ephakeme
Omunye umehluko phakathi kwehlobo nezinye izinyanga zonyaka ukuguquguquka okukhulu kwamanani esitoko. Ukuguquguquka kuyanda kakhulu phakathi nalezi zinyanga, ngegebe elikhulu phakathi kwamanani aphezulu naphansi, ngezinye izikhathi lidlula u-3%. Lokhu kwenza kube kuhle kakhulu ekuhwebeni kwasemini, okwaziwa nangokuthi ukuhweba kwangaphakathi kwansuku zonke, okungenye yamasu avame kakhulu phakathi nalezi zikhathi zokuhweba eziphakeme.
Nakuba ukuguquguquka kuphezulu ngalesi sikhathi sonyaka, lokhu akusho ukuthi ukwehla kwenani noma ukuhlaziywa kabusha kwezibambiso kubaluleke kakhulu kunezinye izikhathi zonyaka . Eqinisweni, ibhalansi yokugcina phakathi nalesi sikhathi samaholide ivame ukuba nzima kakhulu, kunomehluko omncane lapho ubuya eholidini. Abatshalizimali abanolwazi kakhulu kuphela abangenza ukuhweba kwabo kube nenzuzo, futhi noma kunjalo, hhayi ngaphandle komzamo omkhulu kanye nenhlanhla yokuthi izinto zenzeke njengoba zazihlelile ekuqaleni.
Amanani athile angcono kunamanye
Kodwa-ke, kuzohlala kukhona amasheya athile azwela kakhulu futhi ngenxa yalokho asengozini enkulu yokuthenga nokuthengisa. Kulesi simo esiyingqayizivele, kunamathuba ambalwa okutshala imali yakho ekongeni. Lawa amasheya ashintshashintshayo kakhulu , asebenza kahle kakhulu ekukhiqizeni imbuyiselo kulezi zinsuku. Amasheya avela emkhakheni wezobuchwepheshe angcono kakhulu kulolu hlobo lokuhweba, ikakhulukazi lawo angaphansi kwezinkomba zemakethe yesitoko yesibili.
Ezinye izinkampani zokwakha nazo ziwusizo ekuthuthukiseni lezi zindlela, kangangokuthi zingabonisa ukuguquguquka okukhulu ekukhuthazeni uhlobo oluthile lwendlela ngokuqina okukhulu, njengoba zenze ngezinga elithile eminyakeni yamuva nje. Kusukela kulo mbono, uzobe usesimweni esingcono sokuthuthukisa ukusebenza kwemali oyilondolozile kusukela manje kuya phambili, futhi ikakhulukazi kuleli hlobo elizayo. Kodwa-ke, izinketho ezitholakalayo zizoba zilinganiselwe kakhulu.
Yini ongayenza kuleli hlobo?
Njengoba sesichazile ukuthi ihlobo lingathinta kanjani izimali zakho, manje sesifika embuzweni obalulekile: yini okufanele uyenze kulezi zimo ezihlukile? Inkambo engcono kakhulu yokwenza iwukulinda kuze kube ngemva kweholide lakho ukuze wenze noma yiziphi izinqumo. Ungasebenzisa ngisho naleli khefu elifanele ukuhlaziya isimo samanje sezimakethe zezimali , ikakhulukazi amasheya, ukuze izinqumo zakho zibe nolwazi oluthe xaxa futhi ube nethuba elikhulu lokuphumelela ngenxa yaleli cebo.
Ngaphezu kwalokho, futhi kuyithuba lokuphumula ngokuthatha ikhefu emakethe yamasheya. Akudingeki uhlale utshala imali emakethe yamasheya , cha nhlobo. Ikhefu elifushane lizokusiza ukuthi uvuselele amabhethri akho futhi ubuyele ezweni elihlala liyinselele lokutshala imali ngamandla avuselelwe. Uzoba namathuba amaningi okukhulisa ingcebo yakho, ngisho nangamasu ahlukene kuye ngephrofayili yakho njengomtshalizimali omncane noma ophakathi nendawo.
Isu elilodwa lihilela ukuthatha izikhundla kuma-equities kusukela ngo-Okthoba . Lesi yisikhathi lapho abatshalizimali abakhulu, noma "imali ehlakaniphile," bezobuyela ezimakethe zamasheya zikazwelonke. Kungenzeka kakhulu ukuthi ukuthambekela okukhuphukayo, okuye kwashiywa emasontweni amuva nje, kuzoqala kabusha. Lokhu kwanda kwevolumu yokuhweba ezimakethe zamazwe ngamazwe kuzozuzisa ukutshalwa kwezimali kwakho.
Akumangalisi ukuthi indawo yokuhlala emaphakathi - yesibili neyesithathu - iyona evuna kakhulu inkontileka enkulu yeziqu. Njengoba kwenzekile eminyakeni yamuva, njengoba ubona ngamanani omlando akhonjiswa kumashadi. Kunoma ikuphi, ihlobo lizokusiza ukuthi ube nokuqonda okwengeziwe ekusebenzeni kwakho.