Amanani aphezulu wamandla, ukunyuka kweendleko zabasebenzi kunye neengcinezelo ekunikezeni izixhobo eziphambili ezifana nentsimbi kunye nesamente (ngenxa yeziNkantwa zikaKatrina kunye noRita) zinyuka njengezinye iinkwenkwezi ezingabonakaliyo ukuqinisekisa ukuba iFed iya kuqhubeka nokuphakamisa inzala yexesha elifutshane.
Iirhafu zenzalo ephakamileyo kunye neenkampani eziphakamisa amaxabiso azifaki kwiprojekti yotyalo-mali abaninzi abatyali-mali. Nangona kunjalo, izitokisi zisengumgca ophezulu wokulwa nokunyuka kwamaxabiso ngenxa yokuba, kwiingcamango, ingeniso yenkampani kunye neempatho kufuneka zikhule ngesantya esifanayo njengamaxabiso emali ngexesha.
Iimarike zehlabathi
Nangona ezinye iinkampani ziyakwazi ukusabela kumgangatho wokunyuka kwamaxabiso ngokunyusa amaxabiso abo, abanye abakhuphisanayo kwimarike yehlabathi bangakufumanisa nzima ukuba bahlale bekhuphisana nabavelisi bangaphandle abangenayo ukunyuka kwamaxabiso ngenxa yokunyuka kwamaxabiso.
Okubaluleke ngakumbi, ukunyuka kwamaxabiso kubamba abatshali-mali (kunye nabo bonke abanye) ngokunyusa amaxabiso angenakho ukwanda okwenziweyo. Uhlawula ngaphezulu ubuncinane.
Oku kuthetha ukuba iinkampani zezimali zigqithiswe ngokunyuka kwemali kuba inani (ingeniso kunye nemali engenayo) liphakama kunye nezinga lokunyuka kwamaxabiso ngaphezu kwexabiso elongezelelweyo eliveliswa yinkampani.
U kuzuza
Xa ukunyuka kwexabiso kuyancipha, ngokunjalo ukufumana imali kunye neengeniso.
Yimilaphu ephakamisa kwaye iphantsi kwayo yonke iinqanawa, kodwa isenza umfanekiso ocacileyo wokwenene ubunzima.
Isixhobo esikhulu sokulwa nokunyuka kwexabiso lokunyuka kwamaxabiso yintlawulo yexesha elifutshane. Ngokwenzela imali ebiza kakhulu ukuboleka, iFed iyakususa ngokuthe ngenye ixabiso lentengo ephezulu kwimarike.
Imali eninzi yokutshutshisa iimpahla ezimbalwa yintetho enye yeklasi yokunyuka kwamaxabiso. Ukuthatha imali ngaphandle kweemarike kunciphisa umjikelezo wexabiso lentengo.
Kukho iintlanganiso ezimbini zeKomiti yeMarike evulekileyo (umzimba obeka ireyithi) ngo-2005: uNks. 1 noDisemba 13.
Ngenxa yokunyanzeliswa okukhankanywe ngaphambilana, unokuyithatha kwi-bhanki ukuba i-Fed iya kuhlala iphakamisa amazinga ubuncinane ekupheleni konyaka.
Utyalo mali
Ngaba unokukhathazeka malunga nokunyuka kwamaxabiso kunye notyalo-mali? Ukuba unenxalenye enkulu yepotfolio yakho kwiimali eziqinisekileyo zengeniso, impendulo yinto ecacileyo ewe.
Ixabiso lemali lilahlekisa amandla akho okuthenga kunye nabathathe umhlala-phantsi kwiimali ezinqabileyo ezihluphekileyo xa iqanda labo linyama lithenga ngaphantsi komnyaka ngamnye odlulayo. Yingakho abacebisi bezezimali beqaphele nokuba bathathe umhlala-phantsi ukuba bagcine ipesenti yeempahla zabo kwiimakethi yemasheya njengentambo yokulwa nokunyuka kwamaxabiso.
Imali engaphezulu okanye imali efana neyomnini ophetheyo, ukunyuka kwamaxabiso okugqithiseleyo kuya kukugweba. I $ 100 phantsi kweemathile ziza kuthenga iimpahla ezingama-96 zamaxabiso emva kweminyaka engama-4 ekhulwini. Khangela iimveliso ezinokungena kwexabiso lentengo njenge- Nondyebo I-Bonds kunye neminye imikhiqizo enikezela ngodonga ngokunyuka kwamazinga.
Isiphelo
Abatyalomali kufuneka bahlale bejonge kwiimali ezikhoyo ezinomdla ukususela ngoxinzelelo oluqhubekayo yi-Fed ziya kugcina amazinga ahambayo ekupheleni konyaka kwaye mhlawumbi ngo-2006.