Njengoba amasheya ehweba ngamanani amanje, kuvamile ukuthi abatshalizimali abancane nabaphakathi bazibuze ukuthi sekuyisikhathi sokungena ezimakethe zamasheya. Ukuwa kwezinkomba ezinkulu zemakethe yamasheya sekuyinto engokoqobo ezinsukwini zokugcina zonyaka, futhi ingcindezi yokuthengisa ibambe ngokusobala, ifinyelela amazinga angakaze abonwe eminyakeni yamuva. Lokhu kuyiqiniso kokubili ezimakethe zezimali zasekhaya nakwamanye amazwe.
Lokhu kwakungeyona neze isimo esasilindelwe ngabahlaziyi abaningi bezezimali, ababebikezele ukwanda okukhulu kokuthenga emakethe yamasheya. Ekugcineni, lokhu akwenzekanga, futhi ukuphelelwa yithemba sekubambe iqhaza elikhulu phakathi kwabatshalizimali abancane nabaphakathi, abanciphisa ukuchayeka kwabo emasheya ngendlela abangazange bayenze iminyaka eminingi kakhulu. Kodwa ekugcineni, lesi sikhathi esesabekayo ngabatshalizimali bezitolo sesifikile.
Konke lokhu kwenziwa kube kubi kakhulu ngenxa yokuthi lokhu kuwa kwemakethe yamasheya kuhambisana nokuhweba okukhulu. Ngamanye amazwi, abatshalizimali abaningi bayeka izikhundla zabo emakethe yamasheya. Ngenxa yalokho, amasheya aseSpain azovala kulo nyaka kwelinye lamazinga awo aphansi kakhulu eminyakeni yamuva. Okubi kakhulu, nokho, ukuthambekela kokukhuphuka kwentengo sekuphukile ngokuphelele. Lokhu kubeka isibonelo esibi sokuthatha izikhundla kusukela manje kuya phambili.
Goqa bese ubuyela emaphoyiseni angu-7.500 XNUMX
Enye yezinguquko ezibaluleke kakhulu ku-Ibex 35, inkomba yokulinganisa yamasheya aseSpain, ukwehluleka kwayo ukugcina iphethini yokuhweba eceleni eyalilandela kulo nyaka onzima wezimakethe zezimali. Ibilokhu izungeza izinga lamaphuzu angu-8.800 futhi manje ihlola izinga layo lokugcina lokusekela elisele kumaphuzu angu-8.500, izinga okuzoba nzima kakhulu ukuliphula ngenxa yengcindezi yokuthengisa evela kubatshalizimali.
Uma leli zinga nalo liphulwa, ngeke kube khona ukwesekwa okwengeziwe kuze kube amaphuzu angu-7.500, izinga lentengo elahambisana ne -Brexit eminyakeni emibili edlule. Ngokwezinto ezingokoqobo, lokhu kusho ukuthi amasheya asenamandla okwehla ngo-11% kusukela emazingeni okuhweba amanje, okubalulekile maqondana nokulahlekelwa. Ngempela, kuningi okuzolahleka kusukela manje kuya phambili futhi kuncane kakhulu okuzokuzuza.
Ushintsho lwethrendi emakethe yamasheya
Kunoma ikuphi, iqiniso elilodwa alinakuphikwa: izimakethe zamasheya zishintshe kusukela ekuthambekeni okucacile okuseceleni ziye ekuthambekeni okuphansi. Akukho sibonakaliso esicacile sokuthi iphansi elihlala njalo lingakheka kuphi, izinga elingasebenza njengendawo yokubhekisela ekuvuleni kabusha izikhundla kunoma yiziphi izitolo zamazwe ngamazwe. Umbuzo omkhulu manje ukuthi lo mkhuba wokukhuphuka uzohlala isikhathi esingakanani , yize inani elikhulayo labahlaziyi bezezimali likholelwa ukuthi lingahlala isikhathi eside kunalokho okufiswayo kulezi zigaba zokulungisa.
Esinye sezibonakaliso eziqine kakhulu zalo mkhuba sivela ezimakethe zase-US , kulandela isikhathi eside ngemuva kwenkinga yezomnotho yango-2007-2008, lapho ukwehla kwentengo kudlule khona u-100%. Kusukela kulo mbono, lokhu kulungiswa kunengqondo, ngoba, njengoba abatshalizimali abancane nabaphakathi bevame ukusho, akukho lutho oluhlala phakade emakethe yamasheya. Amanani awakhuphuki noma ehle unomphela, njengoba kuye kwabonakala ezimakethe zamasheya eminyakeni embalwa edlule.
Isimemezelo sokwehla kwamandla omnotho
Kodwa-ke, lokhu kunyakaza ezimakethe zamasheya kungahunyushwa njengesibonakaliso senkinga ezayo emnothweni wamazwe omhlaba. Kulokhu, kubalulekile ukukhumbula ukuthi izimakethe zezimali zivame ukulindela izimo zesikhathi esizayo. Ngaphezu kwalokho, leli qiniso licatshangelwa emibikweni eminingi yezomnotho yizikhungo zezimali ezahlukahlukene, eziphawula ukwehla kokukhula komhlaba wonke. Khumbula lokhu lapho uthuthukisa amasu okutshala imali.
Ngakolunye uhlangothi, yonke imininingwane yezomnotho ikhomba lesi simo, futhi izimakethe zamasheya emhlabeni wonke zibonisa lesi simo esisha nesikhathazayo. Akungabazeki ukuthi lokhu kuzoletha namathuba ebhizinisi amahle kakhulu , ngokwengxenye ngoba amanani ezabelo azoba nokuncintisana okukhulu, futhi kungenzeka ukuthi akhuphuke kakhulu kunamanje. Ngakho-ke, kufanele futhi ucabangele izici ezinhle zalesi simo, okubangela ukukhathazeka phakathi kwabatshalizimali abancane nabaphakathi.
Ukuhanjiswa kokugeleza kwemali
Esinye isici okufanele sicatshangelwe kusukela manje kuqhubeke ukuthi ingxenye enkulu yemali yabatshalizimali ishintshela kwezinye izimpahla zezimali ezifanele kakhulu. Lokhu kufaka phakathi, isibonelo, imikhiqizo yasebhange , njengediphozithi yesikhashana, amanothi asebhange, kanye nama-akhawunti okonga anezinzuzo eziphezulu. Lokhu kubone imbuyiselo yabo ikhuphuka ezinsukwini zamuva ngenxa yezinqubomgomo zezimali ezisetshenziswa ohulumeni abakhulu emhlabeni jikelele.
Ngakolunye uhlangothi, kufanelekile ukugqamisa ukuthi abatshalizimali babeke imingcele ekuthatheni izikhundla kulezi zimakethe zamasheya, okungenani kuze kube yilapho sekukhona isithombe esicacile salokho okungenzeka emakethe yamasheya eminyakeni ezayo. Lokhu kuholela ekuthengisweni okucacile kokuthenga, okuthinta kakhulu izimakethe zamasheya, ngale kwezinye izinto zobuchwepheshe futhi mhlawumbe ngisho nangombono oyisisekelo.
Amasu okufanele athuthukiswe
Kuzo zonke izimo, awunakuzikhethela ngaphandle kokungenisa uchungechunge lweziqondiso zokuziphatha ukuze uvikele iminikelo yakho yezezimali ekunyakazeni okungalungile ezimakethe zezimali. Futhi lokho kuzokhawulelwa ekuthuthukiseni amathiphu alandelayo esizokudalula ngawo ngezansi:
- Cha ziveze ekusebenzeni ezingadingeki ngalesi sikhathi. Akumangalisi ukuthi kuzoba inzuzo enkulu ukulinda amanye amasu okutshala imali.
- Kufanele hlaziya ukuthi kusukela manje kuningi okufanele ulahlekelwe yikho ukunqoba. Ngalesi sizathu, akulula kuwe ukuthi ugijimele ekusebenzeni kokushintshaniswa kwesitoko ngezikhathi ezithile.
- Yiba ukuqedwa ngokuphelele Kuyithuba elihle lokuthi ubheke okunye ukutshalwa kwezimali lapho ungenza khona ukonga kube nenzuzo ngalezi zikhathi eziqondile.
- Kunoma ikuphi, uma uzokhetha ukutshalwa kwezimali emakethe yamasheya okuhlala kungaphansi kweminikelo yemali ye- inani elincane. Kuzoba isu elihle kakhulu ukuvikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi.
- Kungaba umzuzu wokutshala imali onentshisekelo ngempela, kepha inqobo nje uma isikhathi saphakade sisekulo okulingene nokude. Ungalokothi esikhathini esifushane lapho unawo wonke amavoti wokulimala.
Imiphumela emibi yebhizinisi
Esinye isici esifaka isandla emazingeni okuhweba ale nkampani njengamanje ukusebenza kwezezimali okubuthaka okubikile kumakota amuva nje. Ukwanda okukhulu kwesikweletu sayo kungabaza ukuphumelela kwebhizinisi layo. Ukuthengisa kusobala ukuthi kudlula ukuthenga, okuwumkhuba ongavamile ukubonwa eminyakeni edlule. Lena akuyona indlela yokufinyelela ukukhula, hhayi ngebanga elide. Lesi yisici okufanele usicabangele ngokucophelela lapho unquma ukuthi kufanelekile yini ukufaka imali yakho engozini ekuthengisweni kwemakethe yamasheya.
Ngakolunye uhlangothi, ngeke ube nakukhetha ngaphandle kokunaka kakhulu imibiko yenzuzo yezinkampani ekhishwa njalo ngekota kusukela ngonyaka ozayo. Izokunikeza izinkomba ezingaphezu kwesisodwa zalokho okufanele ukwenze esimweni ngasinye, okukuvumela ukuthi wandise imbuyiselo yakho ekutshalweni kwezimali zakho kunokuthembela ezintweni zobuchwepheshe kuphela. Kulokhu, iseluleko esingcono kakhulu ukugwema izinkampani ezithengiswa esidlangalaleni ezinezikweletu ezinkulu . Ngokufanayo, kufanele ukhethe ngokucophelela amasheya azokwenza iphothifoliyo yakho yokutshala imali elandelayo ngokusekelwe kulezi zindlela ezibalulekile.
Kunoma ikuphi, khumbula ukuthi uneminyaka ethile eyinkimbinkimbi kakhulu yokutshala imali emakethe yamasheya ngakho-ke kuzodingeka ungenise ezinye izindlela ezehlukile. Akumangalisi ukuthi izigxobo ziphakeme ezinyangeni ezizayo. Ngaphandle kokuthi amanye ama-rebound akhethekile angakudida isu ozozisebenzisa ezinsukwini ezizayo. Uzibeka engozini enkulu njengokulondolozwa kwakho okujwayelekile.