Lo nyaka omusha wemakethe yamasheya ungase ungafani neminye. Okungenani yilokho okushiwo abanye babahlaziyi abadumile kakhulu ezimakethe zamasheya. Njengoba kunikezwe lesi simo esingaba khona ngo-2018, ngeke kube khona okunye ngaphandle kokuqapha nokukhuthala. Noma yiliphi iphutha emasu akho okutshala imali lingabiza kakhulu kusukela manje kuqhubeke. Ngakho-ke, ngeke ube nenye indlela ngaphandle kokukugwema ngazo zonke izindleko. Phela, yimali yakho oyifaka engozini ekuthengiselaneni kwemakethe yamasheya. Futhi umgomo wakho kulo nyaka akukhona ukulahlekelwa yiyo, kodwa ukuqeda unyaka ngenzuzo e -akhawuntini yakho yasebhange. Uma leyo nzuzo inkulu, kungcono izintshisekelo zakho njengomtshalizimali omncane noma ophakathi.
Ukuze sikusize uhlele ukuhweba kwakho kusukela manje kuya phambili, kubalulekile ukuhlaziya ezinye zezici ezibalulekile ezakha imakethe yemali engenayo engaguquki ngo-2018. Phakathi kwezinhloso ezibaluleke kakhulu ozobhekana nazo kusukela manje ukukhetha kakhulu kunanini ngaphambili ekufuneni inani phakathi kwezimpahla ezahlukene. Lokhu kungase kungabi lula, kodwa ngokubekezela okuncane, uzofinyelela imigomo yakho.
Kusukela kulo mbono ojwayelekile, kufanele ukhumbule ukuthi kunanini ngaphambili udinga ukugxila ezindleleni zomnotho omkhulu kanye nokunyakaza kwenqubomgomo yezimali (kanye nomthelela wazo kuma-akhawunti enzuzo nokulahlekelwa kanye nama-balance sheet ezinkampani ezisohlwini). Lokhu kuzoba ngesinye sezifundo zokuqala ozozifunda ukuthuthukisa ukusebenza kwemakethe yamasheya ngesiqinisekiso esikhulu sempumelelo. Kuzoba usizo olukhulu ekuchazeni amasu akho okutshala imali.
Ukuhoxiswa kwesikhuthazo sezomnotho
Okokuqala, i-quantitative easing (QE) ibe yinzuzo kakhulu kulo mkhakha. Ekugcineni, awukwazi ukukhohlwa ukuthi amazinga enzalo ezikweletini zikahulumeni ehle kancane kancane nangokuqhubekayo. Kodwa lesi simo ngokuqinisekile ngeke sihlale phakade, futhi lezi zikhuthazo zomnotho zingase ziphele kulo nyaka. Ngokombono, lesi simo kufanele sibe nomthelela omubi emasheya aseYurophu , kufaka phakathi aseSpain. Kodwa-ke, kuyiqiniso ngokulinganayo, njengoba ngishilo, ukuthi lesi sinyathelo kungenzeka ukuthi sesivele sibekwe intengo ngabadlali abaningi bezezimali, ikakhulukazi ngabatshalizimali.
Ngisho nangombono onjalo omusha, kungamelela ukukhushulwa kwemakethe yamasheya ukuthuthukisa enye indlela ekhuphukayo . Lokhu kungenxa yokuthi kungabonisa ukuthi umnotho kule ndawo usebenza kahle kakhulu. Futhi lokhu kuhlala kuyizindaba ezamukelekayo kakhulu ezimakethe zezimali. Imakethe yamasheya ekhuphukayo ihambisana nomnotho ozinzile, futhi ngaphezu kwakho konke, onempilo. Ngale ndlela, lesi sici singaba esinye sezimanga ezimnandi kuwe uma uhlela ukutshala imali yakho emakethe yamasheya ezinyangeni eziyishumi nambili ezizayo.
Ukuhlala uketshezi njengokhiye
Uma udinga ukuqapha kusukela manje kuqhubeke, akukho okungcono kunokulungiselela lokho okungase kwenzeke ezimakethe zezimali njengamanje. Kulokhu, ukungabi namali ku-akhawunti yakho yokuhlola kuzoba yinto ebalulekile. Phakathi kwezinye izizathu, kuzokuvumela ukuthi ufune amathuba ebhizinisi amahle kakhulu angavela. Akungabazeki ukuthi kuzoba khona angaphezu kwelilodwa, futhi udinga ukulungela lesi sikhathi esibalulekile. Ngenxa yalesi sizathu, kunconywa kakhulu ukuthi ungabi sesikhundleni eside ngaso sonke isikhathi.
Ngokuphambene nalokho, kufanele ugxile ezitokweni eziningana ezinethuba elikhulu lokukhula. Ukukhetha kulokhu kuzokusiza ukufeza imigomo yakho ngempumelelo kakhulu kunangaphambili. Khumbula nje amathuba owaphuthelwe ngenxa yokuntuleka kwemali eyanele kwi-akhawunti yakho yokuhlola. Zama ukugwema lesi simo ezinyangeni ezizayo. Ngeke kudinge mzamo omkhulu futhi kuzokuvumela ukuthi uthathe ikhefu ekuthengiselaneni okuningi okwenzile ezimakethe zezimali.
Umkhakha wezezimali, kungani kungenjalo?
Uma ucabanga ukuthi uzowabela kuphi imali yakho oyilondolozile, ungawunaki umkhakha wezezimali. Izinyanga zakamuva zibonise ukuthi umkhakha wezezimali usebenze kahle, okukunikeza ithuba lokukhulisa ukutshalwa kwezimali kwakho phakathi nalesi sikhathi. Ngaphezu kwalokho, kunezinketho eziningi ezitholakalayo zokuhlangabezana nezidingo zakho ngokucacile. Eziningi zalezi zikhungo zezezimali nazo zabela izinzuzo ezinkulu kubanikazi bamasheya bazo, okungenzeka zikuvumele ukuthi uthole imbuyiselo ekutshalweni kwakho imali minyaka yonke ngenzalo engaba ngu-5%.
Ingcuphe iphansi kunaleyo yeminye imikhakha eholayo, kepha ngenzuzo engaphambili engaba mnandi kakhulu ezithakazelweni zakho kulo nyaka osanda kuqala. Kungenzeka kube ukusebenza okufanele ukwenze. Kukhethekile uma isimo se-equity jikelele sisebenza ngamandla. Akumangalisi ukuthi uzoba nokuningi okuzuzayo kunokulahlekelwa. Thatha lesi seluleko ukuze ubhekane nokutshalwa kwemali okulandelayo. Kuzoba wusizo olukhulu ukubhekana nalo nyaka omusha. Ukuba ngakolunye uhlangothi, ngomunye wemikhakha efanelekile yamasheya.
Izibopho zesikhashana
Akudingeki ukuthi uzikhawulele emakethe yamasheya ukuze imali yakho ikhule nganoma yisiphi isikhathi sokutshala imali. Unezinketho zemali engenayo ezihleliwe, kufaka phakathi amabhondi. Lona umkhiqizo wezezimali ongaba nengqondo enkulu kumaphothifoliyo esikhathi esifushane , ikakhulukazi uma utshala imali ngezimpahla zezimali ngokusekelwe kulolu hlobo lokutshala imali oluthile. Kuyindlela elondolozayo kakhulu kuneyangaphambilini, kodwa ngenzuzo ekhangayo kakhulu ngonyaka onzima ngandlela thile.
Ngakolunye uhlangothi, amabhondi ezinkampani akhiqiza imbuyiselo ecishe ibe ngu-5% , futhi yize imbuyiselo ingaqinisekisiwe, ingadlula imingcele yemikhiqizo yasebhange yendabuko (idiphozithi yesikhathi esinqunyiwe, ama-akhawunti anezinzuzo eziphezulu, noma izinhlelo zokonga eziqinisekisiwe), lapho imingcele ingavamile ukudlula inani elishiwo ngenhla. Inzuzo ukuthi ingavela ezinkampanini ezahlukene kanye nemikhakha yebhizinisi. Ngempela, enye yezinto eziyinhloko ezivamile ukuhlukahluka.
Izingxabano zomhlaba ezingaba khona
Futhi asinakukhohlwa indima edlalwa ukuqubuka kwezingxabano ezihlomile noma kuphi emhlabeni. Zingaba nomthelela ocindezelayo ekusebenzeni kwezimakethe zamasheya , zize zibangele ukulahlekelwa okukhulu kweminye yemikhakha ehlobene kakhulu nalezi zenzakalo, njengezokuvakasha, ezokuthutha, kanye namaqembu ezezimali. Lesi yisenzakalo esingalindelekile esingavela nganoma yisiphi isikhathi, ngakho-ke izindlela zakho zokuzivikela zizoba buthakathaka kakhulu.
Kodwa-ke, lokhu kuguquguquka okungathandeki kunemiphumela elinganiselwe kakhulu kunezinye. Intengo yesitoko ingase yehle ngokushesha ngemuva nje kokuba lezi zigameko zenzeke, kodwa izothambekela ekuzinzeni ezinsukwini ezimbalwa . Lesi yisifundo lezi zinhlangano ezisifundise sona eminyakeni yamuva nje, ngezibonelo kulo lonke umlando ezivela ezingxabanweni ezinkulu. Ngokombono, akufanele zikukhathaze ngokweqile, kodwa kufanele unake kakhulu intuthuko yazo. Ngoba zingadala namathuba ebhizinisi abalulekile, njengoba ubona eminyakeni yamuva nje.
Idatha yokukhula komnotho
Lokhu kuguquguquka kubalulekile ekwakheni iphothifoliyo yokutshalwa kwezimali ezinzile ezinyangeni eziyishumi nambili ezizayo. Umsebenzi omkhulu webhizinisi uvame ukuhumusha inzuzo ephezulu yezinkampani ezihweba esidlangalaleni. Lokhu kunikeza inkomba engaguquki yendlela engaba khona yamasheya onyakeni osanda kuqala, kokubili ezimakethe zamasheya zasekhaya nezamazwe ngamazwe. Kusebenza njengethuluzi lokuhlaziya ukukusiza ukuthi unqume okuthandayo futhi ucabangele nezikhundla eziphumayo uma isimo esihle kakhulu sika-2018 sibonakala singcono kakhulu.
Kunoma ikuphi, lezi ngezinye nje zezinto eziguquguqukayo ezingase zivele ngesikhathi sokuthuthukiswa kwalo nyaka. Yize kukuhle kakhulu ukuthi uzigcine engqondweni ngaphambi kokuvela kwazo. Ukuze ngale ndlela ube necebo elinamandla lokutshala imali ukuze uthuthukise inzuzo yakho kusukela manje kuqhubeke. Ukuthi esinye noma esinye yisimo esihambisana nezimali zamazwe omhlaba kulo nyaka.
Ukuqinisekisa ukuthi uvikelekile kangcono kuzo zonke izindlela zakho zokuhweba zesikhathi esizayo. Ngempela, esinye isihluthulelo sempumelelo ukugwema ukwenza izinto ngendlela entsha lapho uqala imisebenzi yakho yemakethe yamasheya. Lesi yisiphakamiso ongeke ube nakukhetha ngaphandle kokusilalela ezinsukwini ezizayo. Lokhu kuzokuvumela ukuthi uthole imivuzo oyifanele ngemizamo yakho, kungakhathaliseki ukuthi uhlela kanjani ukuphatha utshalomali.