Njengokuguqulwa kwezizukulwane kuzothinta ukuthambekela kwezimali lapho kuthi izingqimba zomhlaba wonke ezilindile ngenxa yokuthi ama-zoomers angena eminyakeni yobudala esebenzayo engxoxweni ne-bankiros.ru etshela iPhini elijwayelekile Umqondisi wenkampani yokutshala imali u-Aktivo Konstantin ZemmmSkov.
Abatshalizimali bama-Millennialy manje
Phakathi kwabatshalizimali bamanje kunamakhulungwane amaningi. Lawa ngabantu abasha kusuka kuma-25 kuye ku-40 (unyaka wokuzalwa kusukela ngo-1981 kuya ku-1996). Iningi lamaNillennas eRussia lasuka esimweni esingesihle, izinhloso zokusebenza kabusha ziye zamukele futhi ziyaqiniseka ukuthi zingafinyelela kuphela - kuwukufanelekela umzamo kuphela. Bayakwazisa ama-brand, isimo nokozwela okondlayo ngalokho okubanikeza umuzwa wokuqina kanye "nesasa". Ngasikhathi sinye, le mizwa ayihlali ivezwa ngokwezinto ezibonakalayo futhi ezithintekayo: Millenniyala ufuna okuvelayo nemizwelo. Ukuba nemali eyanele yokuqinisekisa izidingo zakho, iMillenälya isebenza kakhulu. Kuyajabulisa ukuqaphela ukuthi ngasikhathi sinye abafuni ukuthenga izindlu - isixazululo sesinqumo sibalwe ukuthi ngu-47% we-Millennalev kuphela ozoba nezindlu zawo ngesikhathi zineminyaka engama-45 ubudala.
Ngakho-ke, abatshalizimali abanjalo bavame ukukhetha iphothifoliyo elondolozayo nama-algorithms alungele ukulunga. Akuwona ngamunye wabo onolwazi olujulile ochwepheshe emkhakheni wezimali, kepha afunda okuningi, aqhathaniswa, yize avame ukusebenzisa okunikezwayo okuqediwe kwezinkampani. Bakulungele ukuzibeka engcupheni, kepha baqale ngalokho okunika umuzwa wokuqina. Ngakho-ke, isisekelo samaphothifoliyo abo kaningi ukuthengiswa kwezindawo zokuthengisa ezithengiswayo - Uthole ukuthembeka kwawo ngobhubhane kanye nezinkinga ezihlukene zenkolo yaseRussia eRussia eRussia eRussia. Futhi ukuthola ukuqina kanye nemali ebikezelwe yokuqala neyokuqala, zizizwa ziqiniseka ngokwengeziwe futhi sezivele ziqala ukudlala zikhulu. Kepha ngasikhathi sinye, abaningi abanayo imicamelo yezimali kanye nokuqongelela - Millennialy bakhetha ukuchitha.
Isizukulwane esiyisisekelo sihlukaniswa ngokuthi baluthola kanjani ulwazi: Iminyaka eyi-Milleniallys lalela ama-blogger, ukhetha okuqukethwe okunezinhlaka futhi ezingasindi - amayunithi azofunda okujwayelekile kwabatshalizimali abahlaziyi kanye nezingxabano zochwepheshe. Millennialys kudla imininingwane ngokushesha, ngakho-ke kufanele kube nobungane kalula. Kepha ngasikhathi sinye, iMillenialov ayikwazi ukubizwa ngokuthi abantu ababonisana kakhulu futhi baqhutshwa phezu kwemvula - bahlaziya ngokushesha futhi bahlaziye imininingwane enkulu yolwazi olukhulu. Ngakho-ke, izinkampani nezimali kufanele zibukeze indlela yokusebenzisa, kepha kungelula okuqukethwe kwayo.
Isimo sezulu kwabatshalizimaliNgisho nezilwane ziqhubekele phambili futhi - Abaphenyi abaningi bezizukulwane bakholelwa ukuthi lesi sizukulwane sesithuthukise indlela yokuhlola ulwazi olunembile nokuhlonza. Bazizwa kalula bamanga, abahambi ngesimo nemikhiqizo futhi badla ngokunembe. Lesi sizukulwane, ngokwesibonelo, sikhetha ukuzijabulisa, kepha ngasikhathi sinye sokuqonda. Ama-sneaker asekelwe ezindaweni eziningi, ngoba azalwa enama-Smartphones ezandleni zawo. Izinga lokubhala kwabo ngokwezezimali liphakeme kunezizukulwane ezandulele.
Odokotela bezengqondo abakatadisha isizukulwane ukuze sisishukumisele ukuthi singamthinta kanjani. Kepha manje kusobala: Ama-Zoomers azohlehlisa imodeli yokusebenzisa kanye nokutshala imali. Isimo esinokwenzeka: Isimo senkampani esazisiwe neyababazekayo sizoba yindlela efanayo ebalulekile njengethemba lezomnotho lokutshala imali.
Enye into etholwe njengefa kusuka kuma-Milleniallayity iyahamba. Zonke izimali kufanele zitholakale ku-smartphone, futhi inqubo yokuphatha amadokhumenti ilungiselelwe futhi ishesha.
Kusho ukuthini lokhu?Sizobona ukukhiqizwa kwedijithali kanye nedijithali yokutshalwa kwezimali. Kuzovela i-slang entsha ukuchaza ukutshalwa kwezimali ngolimi "lwentsha". Bachaza amasu - FOMO - Ukwesaba okulahlekile - (IsiNgisi - "Uhlaka lwezinzuzo eziphuthelwe") ne-Yolo - uphila kanye kuphela (isiNgisi - "siphila kuphela"). Lezi yizikhuthazo ezintsha zokusebenzisa imali, ngakho-ke utshalomali. Kuyiqiniso, azange avele ngaphandle komoya futhi ajwayelene nesizukulwane esidala abatshalizimali, kepha ama-Millenniyaly awaqonda, azwakalise isimo sawo ngokucacile kubo, aguqulwa futhi manje asetshenziswa.
Izinyathelo, njenganoma yisiphi isizukulwane, esaphilisa ukwanda, mhlawumbe ususe kusuka Millenialylov. Isibonelo, bona, ngokungafani noMilternoalov, ohlehlise ngokwengeziwe ekusekelweni kwezingane (35%) nohambo (25%), obingelwe esikhaleni sokuhlala (ama-20%) nezimo ezingekho emvelweni (20%), kanye neholide futhi shintsha ama-17% kuphela abaphendulile. Ama-sneaker ahlukaniswa ukutshala imali okucatshangwe ngokwengeziwe kanye nokutshalwa kwezimali, kepha azotshalaliswa kulokho abasondelene nakho okusondelene nakaqondakala, okuhambelana nezindinganiso zawo: izinhlobo ezintsha zamandla, ubuchwepheshe, izindlu ezinobungani kanye nezindlu ze-eco-enobungane. Imboni ngokuqinisekile izolungiswa ngaphansi kwalabo bashayamthetho abasha. Kubalulekile ukushintsha naye futhi ungaphuthelwa abatshalizimali abasha.
Njengoba isikhulumi siphawula, esakhiweni sabatshalizimali be-Aktivo, isabelo sabanikezeli kule minyaka emithathu edlule asishintshile nganoma iyiphi indlela futhi ngo-1%. Ekusebenzeni, lokhu kusho ukuthi esifundeni esiphelele sezimali zokutshala imali kwemali eqongelelwe yilesi sizukulwane, ayisanele. Kepha ukunciphisa ama-akhawunti, hhayi ukubhekisa leli qembu labatshalizimali ngaphandle kwecala. Ngasikhathi sinye, isabelo seminyaka yonke phakathi kwabatshalizimali ngesikhathi esifanayo sakhuphuka sisuka ku-47% saya kuma-51%, futhi ingxenye yabanye abatshalizimali yancipha kusuka ku-52% kuya ku-48%. Ngokuhamba kwesikhathi, uZumerata uzoqala futhi ukusunduza ama-Milleniels, njengoba owokugcina manje engalahla izizukulwane ezedlule.