Unyaka omusha, u-2017, usesele amasonto ambalwa nje. Ngokombono wokutshalwa kwezimali, amathemba amaningi agxile kulo nyaka ozayo, ikakhulukazi ngemuva kokubekezelela u-2016 ngokuhoxa okukhulu, njengoba kwakungewona unyaka omuhle ezimakethe zamasheya kanye nokutshalwa kwezimali ngokujwayelekile, kanye nokwenyuka okuncane kuphela ekugcineni.
Ukufika konyaka omusha kufanele kubhekwe ngomuzwa wethemba, unethemba lokubona imali yakho eyongiwe ikhula futhi iveza imbuyiselo ephezulu kuneyezinyanga eziyishumi nambili ezedlule. Ukuze sikusize ukufeza lokhu, cabanga ngokubhalela izazi ezintathu incwadi uchaza izifiso zakho —hhayi nje kuphela emakethe yamasheya, kodwa nakho konke ngokujwayelekile. Kuyindlela enhle yokuqala unyaka ngethemba elincane.
Kuzoba nezifiso eziningi ozifunayo kulo msebenzi omusha. Zama ukwenza lokhu kubambeka kube yinto engeke yenzeke ukuze weneliseke kwesinye isikhathi. Ngeke kukubize ngalutho futhi kuzokusiza ukubhekana nezinyanga ezimbalwa ezizayo unethemba elivuselelwe. Ngabe uzimisele ukwamukela le nselelo eyela ngasocansini neyoqobo? Uma kunjalo, sizokusiza ukuthi ubeke phambili izifiso ezimbalwa kule ncwadi enethemba.
Izifiso: ukusimama kwezimakethe
Akungabazeki ukuthi kuzobaluleka kakhulu ukuthi izimakethe zezimali zibonise ukuzinza okuhle. Ukuze lokhu kwenzeke, kuzodingeka ugweme izimo ezifana nereferendum ye-Brexit eGreat Britain kuleli hlobo. Uma lokhu kwenzeka, uzothola kulula kakhulu ukukhiqiza inzuzo enkulu ekuthengiselaneni kwakho kwemakethe yezezimali. Kodwa ngeke kwanele. Ungakhohlwa ukufaka kule ncwadi yethemba isicelo sokukhula kwezomnotho ezinkulu zomhlaba ukuze kube ngokoqobo. Lokhu kungaba yimbangela yokuqhekeka okukhulu kwezimakethe zamasheya.
Ngalezi zicelo ezimbili ezibalulekile, futhi uma zigcwaliseka, uzoba nesimo esihle kakhulu sokuvula izikhundla kuma-equities aneziqinisekiso ezinkulu. Kukhona ithuba langempela lokuthi ekupheleni kuka-2017 ibhalansi yakho yamanje ye-akhawunti izobe ikhuphuke kakhulu. Lokhu kuqiniswa kakhulu ukulungiswa okukhulu kuma-akhawunti amanye amazwe—izindaba ezihlala zamukelwa kahle yizimakethe, futhi-ke, ngabatshalizimali.
Futhi awukwazi ukukhohlwa ngokuqedwa kokungezwani phakathi kwamalungu e-European Union. Kuzoba esinye isiqinisekiso sokuthi amasheya ezwenikazi elidala abe nohambo olude kusuka ngenyanga kaJanuwari. Mhlawumbe ngaphansi kwamanani amakhulu kunalokho okucabangayo njengamanje. Yingakho lokhu kubuyekezwa kungafanele ukuthi kulahleke encwadini yakho eya kuzazi ezintathu.
Uzoba njani u-2017 ekutshalweni kwakho?
Esinye sezitha ezinkulu zamasheya ukungqubuzana , ikakhulukazi ezimweni ezihilela ukuhlaselwa, ubuphekula, nezenzo ezifanayo. Lokhu kulimaza ukusebenza kwezinkampani ezimakethe zezimali, kuze kube seqophelweni lokuthi kubangela ukwehla okukhulu kuzo zonke izitoko. Njalo lapho kwenzeka esinye salezi zenzakalo, sizodala ukulahlekelwa okukhulu kuphothifoliyo yakho yokutshalwa kwezimali, kungakhathaliseki ukuthi yakhiwe kanjani.
Uma ufuna ukwenza ukonga kube nenzuzo ngonyaka ozayo, ngeke ube nenye indlela ngaphandle kokucela ukuthi lo msebenzi omusha ungakhululwa kulezi zimo. Ngale ndlela, ngeke kube khona ama-surges kuma-stock indices angalimaza izikhundla zakho kuma-equities. Ngakho-ke, kuzoba yinto ezinzile ezothonya amanani ezabelo ukuthi akhuphuke ngeziqinisekiso ezinkulu zempumelelo.
Inani elikhulu labahlaziyi kulezi zimakethe linxusa lo mthengisi omusha ukuba ahlale ekhululekile ezigamekweni ezinjalo ezingathandeki. Naphezu kwalokhu, iqembu elincane lamasheya lisabela kahle ekuhlaselweni kwamaphekula, ikakhulukazi lawo asemkhakheni wezokuphepha, wezikhali kanye nowezempi . Lokhu kuphela okuhlukile kumkhuba ojwayelekile kuzo zonke izimakethe.
Ukungabikho kwezingxabano
Kodwa uma kukhona okuguquguqukayo okukodwa okwamanje okukwazi ukuthonya izimakethe zamasheya, ngokungangabazeki yizinqubomgomo zezimali ezisetshenziswa kuzo zombili izinhlangothi ze-Atlantic. Lokhu ngokuqinisekile kuzoba yisici esibaluleke kakhulu ekunqumeni ukuthi izimakethe zamasheya zithatha yiphi indlela, ikakhulukazi ngemuva kokuba amazinga enzalo ehlale emazingeni awo aphansi kakhulu emashumini eminyaka. Futhi ukwesaba kwabanye abatshalizimali ukuthi lo mkhuba ungashintsha kusukela ngo-2017.
Ngokuphathelene namazinga enzalo ku-eurozone, zonke izinkomba zikhomba isimo esikhona njengamanje, ngentengo yemali engu-0% . Lokhu kungaba izindaba ezinhle ezimakethe zamasheya nakubatshalizimali. Noma yiluphi ushintsho luzohlangatshezwa ngokudumala okukhulu, ngakho-ke nokwehla kwenani lamanani amaningi emakethe yamasheya.
Esinye isimo sihilela amazinga enzalo e-United States. Ngemva kweminyaka eminingi ephansi kakhulu emlandweni, iziphathimandla zezimali zinqume ukuwakhuphula kancane kancane kulo nyaka , ngenxa yokusebenza okuthuthukisiwe komnotho wase-US. Ziwakhuphule kancane, cishe ngengxenye yephesenti. Kodwa-ke, ukuncishiswa okukhulu kungaba nomthelela omubi ezimakethe zezimali, lapho abathengisi bezoncintisana khona ngokusobala nabathengi.
Uma ufuna ukulandela isu lemakethe yamasheya elisebenza kahle kakhulu, kufanele liqondiswe ngokuqapha amazinga enzalo. Uma konke kuqhubeka njengoba bekulokhu kunjalo, kuzoba kuhle ukuvula izikhundla . Kodwa-ke, noma yiluphi ushintsho esimweni lungabangela ukwehla okukhulu ezimakethe zamasheya, kuze kube yilapho kuzodingeka uvale zonke izikhundla ozivulile kuze kube manje. Lena kuzoba yindlela engcono kakhulu yokuzivikela ekunyakazeni okungalindelekile kwabatshalizimali.
Ukungabaza ngomnotho waseSpain
Uma inhloso yakho ukutshala imali emakethe yamasheya yasekhaya, ngokungangabazeki kuzodingeka wengeze umnotho oqinile ohlwini lwakho lwezifiso. Lokhu kuyiqiniso ikakhulukazi ngonyaka ophawulwe ukungaqiniseki okukhulu mayelana nekhono likahulumeni lokubhekana nezinselele ezinkulu zezwe: ukuntuleka kwemisebenzi, ukunciphisa isabelomali, impesheni, kanye nokwenyuka kwamaholo kwabasebenzi, phakathi kwezinto ezicindezela kakhulu.
Kuzodingeka siqaphele kakhulu konke okwenzeka eSpain ezinyangeni eziyishumi nambili ezizayo. Kuye ngalokhu, imakethe yamasheya ingathatha izindlela ezihluke kakhulu. Futhi akumelwe sikhohlwe ukungaqiniseki kwezepolitiki okungathinta nokusebenza kwezabelo zaseSpain kusukela manje kuya phambili. Lokhu kuzoba ngenye yezinto ezibalulekile okufanele uzicabangele uma ufuna ukwandisa imali yakho yokonga.
Futhi awukwazi ukukhohlwa ngezinkinga ezinye izinkampani zasekhaya ezingase zibhekane nazo. Ubunzima bebhizinisi labo bukhulu kunalokho okungabonwa njengamanje. Imiphumela yebhizinisi evezwa njalo ngekota izoba yinkomba enhle yalesi simo esingaba khona. Izokunikeza izinkomba zokuthi izinto zingase zibhekephi kulokhu. Akufanele ungazinaki lesi sici uma ungafuni ukuhlangabezana nezimo ezingaphezu kwesisodwa ezingathandeki ngonyaka wezimali olandelayo.
Qaphela kakhulu amabhange
Unyaka ka-2017 ngeke ube unyaka ophumelelayo ngenxa yezintshisekelo zakho uma izinkinga emkhakheni wamabhange zingaxazululwa, ikakhulukazi lezo ezithinta izikhungo eYurophu. Izindaba zakamuva ngalo mkhakha azikhuthazi kakhulu, kangangokuthi ukungenelela okwengeziwe kwamanye amabhange akunakususwa. Kufanele kugxilwe kakhulu ebhange elikhulu kunawo wonke laseJalimane, elisimo salo sikhathaza kakhulu.
Ukuze ugweme izinkinga ngamasheya, ngeke ube nakukhetha ngaphandle kokugwema ukuvula izikhundla kulo mkhakha wezezimali obalulekile, okungenani kuze kube yilapho izinkinga ezinkulu obezibhekene nazo ezinyangeni zakamuva sezixazululiwe. Kuneminye imikhakha emakethe yamasheya ephephile, enesilinganiso somvuzo wengozi esikhangayo kakhulu. Lokhu kufaka phakathi izinsiza, ubuchwepheshe obusha, kanye nezinkampani zokudla.
Uma zonke lezi zifiso zigcwaliseka, uzothola kulula ukwenza imali yakho ikhule, futhi mhlawumbe ngisho nangaphezulu kunalokho obekulindelwe. Ukuze wenze lokhu, kuzodingeka uhlaziye ukuthi izimakethe zezimali zisebenza kanjani emasontweni ambalwa okuqala onyaka ozayo. Lokhu kuzokunikeza izinkomba zokuqala ozidingayo ukuze wenze isinqumo esingcono kakhulu ngokusekelwe ezimweni ezahlukahlukene ezingase zivele.
Futhi akufanele uyithathe kancane indlela izimakethe ezisabela ngayo kumongameli omusha wase-US . Futhi ungakhohlwa ukuthi unyaka wokuqala wanoma yikuphi ukuphathwa okusha awuvamile ukuba muhle kakhulu kubatshalizimali abancane nabaphakathi. Leli iqiniso abantu abalondoloza imali abalizwa njalo, kodwa lingabaluleka kakhulu ezithakazelweni zakho.
Ngaphezu kwalokho, akumelwe ukhohlwe ukuthi ukhetho olujwayelekile luzobanjelwa nasemazweni abaluleke kakhulu emhlabeni wonke, njengeFrance neJalimane. Kuzodingeka siqaphe kakhulu iBerlin neParis, uma sibheka ukuthi kungenzekani kulezi zinqubo ezibalulekile zokhetho. Izimakethe zezabelo cishe ngokuqinisekile zizobonisa ukuguquguquka okukhulu emasontweni aholela kulezi zenzakalo zezepolitiki, kanye nokushintshashintsha okuningi kwemikhuba okusekelwe ezinhlolovo zangaphambi kokhetho. Awukwazi ukungasinaki lesi simo uma ufuna ukuphumelela ekuhwebeni kwakho.