Tabbas ɗayan burinku na gaggawa cikin saka hannun jari shine siyan hannun jari a cikin daidaito. Amma ya kamata ka sani cewa ba lallai bane ka takaita da kasuwar jari. A halin yanzu kuna da wasu ãdalci kayayyakin hakan zai baka damar yin riba mai amfani. Kodayake a mafi yawan lokuta ƙarƙashin samfuran saka hannun jari masu saurin tashin hankali. Kamar yadda yake a takamaiman batun garantin da takaddun shaida waɗanda suka sami ci gaba sosai a kasuwancin su a cikin shekarar bara.
Kamar yadda lamarin yake ga abin da ake kira kuɗaɗen canjin canji (ETFs), wanda shine haɗuwa tsakanin saye da sayarwar hannun jari a kasuwar hannayen jari tare da kuɗin saka hannun jari. Amma tare da ƙarin darajar da zaku iya yi niyya ga sauran kadarorin kuɗi, wasu daga cikinsu suna da kirkire-kirkire. Ba tare da bayyanar da shi kai tsaye kamar yadda yake a cikin wasu kasuwannin kuɗi ba. Wato, kuna iya samun babban iko akan matsayin su don warware mukaman a lokacin da kuka ga ya dace.
A gefe guda, a cikin saka hannun jari babu rarar samfuran samfu daga kasuwar tsayayyen kuɗaɗen shiga kamar su takardar kuɗi, shaidu da wajibai. Dukkaninsu samfuran da ƙwararrun defan matsakaitan matsakaita da ctedan matsakaita suka sa hannu Kodayake a wannan lokacin dole ne a sanya ribarta azaman rashin gamsuwa ga bukatun masu kiyayewa. Ba tare da bayar da fiye da 2%, kodayake tare da babban fa'idar cewa yana da samfuran kyauta na kwamitocin da sauran kuɗaɗen da aka samo daga gudanarwa ko kiyaye shi.
Zuba jari a cikin daidaito: ciniki
Kasuwar hannun jari ta Sipaniya ta sayi yuro miliyan 32.319 a cikin canji mai sauyawa a cikin watan Fabrairu, kaso 22% ƙasa da na Janairu kuma kashi 30,6% ƙasa da na wannan watan na 2018. Adadin tattaunawar ya kai miliyan 2,8, 21,8, 37% ƙasa da na baya. watan da 2018% ƙasa da wanda aka yi rajista a watan Fabrairun XNUMX. A cikin ɓangaren garanti da takaddun shaida An yi sulhu kan Yuro miliyan 24, kasa da watan da ya gabata da kashi 31,8% kasa da 47,4% kasa da a daidai wannan lokacin na shekarar 2018. Yawan tattaunawar ya tsaya a 5.826, 7,5% a karkashin Janairu kuma kashi 36,4% kasa da na wannan watan na shekarar da ta gabata. . Adadin batutuwan da aka shigar da su ciniki ya kai 1.186, 108% fiye da shekarar da ta gabata.
Game da bangaren hada-hadar hada-hadar canjin (ETF), an yi cinikin Yuro miliyan 127, kaso 37,4% kasa da na watan da ya gabata da kaso 68,4% kasa da na watan da ya gabata. Adadin cinikayya a watan Fabrairu ya tsaya a 4.627, raguwar 16,9% idan aka kwatanta da watan da ya gabata da 64,5% idan aka kwatanta da wannan watan a shekarar 2018. Theayyadadden kasuwar samun kudin shiga ta kiyaye babban matakin aiki. Adadin adadin da aka tara a shekara ya karu da kashi 77,9%, bayan cinikin yuro miliyan 28.750 a cikin watan da ya gabata, ya karu da kashi 85,3 cikin 2018 fiye da na watan Fabrairun 7,8. Bugu da kari, batutuwan da aka shigar da su kasuwanci sun karu da kashi 2,9% tun daga farkon shekara da kuma daidaitaccen tsarin ya karu da kashi XNUMX%.
Ayyuka a cikin tushen kuɗi
A kasuwar hada-hadar kudi, kasuwanci ya karu da kashi 3,9% a farkon watannin biyu na shekara idan aka kwatanta da daidai wannan lokacin na 2018. Wannan karuwar an mayar da hankali ne kan makomar adalci, wanda ya nuna ci gaban 314,6%. Ciniki a cikin zaɓuɓɓukan Ibex 35 ya tashi 14,8% a cikin watan. Duk da yake akasin haka, buɗe matsayi na saitin abubuwan da suka samo asali na kuɗi 7ara XNUMX% idan aka kwatanta da watan da ya gabata.
A cikin wannan ɓangaren saka hannun jari a Spain, ya kamata a lura cewa babban haɓaka an yi rijista a cikin gaba da zaɓuɓɓuka akan Ibex 35, tare da ci gaban 6,8% da 16,5%, bi da bi. Duk da yake a gefe guda, nan gaba da Zaɓuɓɓukan zaɓi Hakanan sun sami ci gaba a wannan lokacin da aka bincika a kasuwannin hada-hadar kuɗi na ƙasa. A cikin waɗannan takamaiman lambobin, 3,1% da 6,6%, bi da bi.
Sakamakon manajan canjin hannun jari
Bolsas y Mercados de España (BME) sun sami sakamakon jimillar Euro miliyan 34,8 a zango na huɗu na 2018, 6% ƙasa da abin da ya dace da daidai lokacin na shekarar da ta gabata. Sakamakon da aka samu na shekarar 2018 ya kai euro miliyan 136,3, kaso 11,1% kasa da na 2017. Inda jimillar kudin shiga a zango na hudu ya kai euro miliyan 78,8. Sun kasance ƙasa da 0,5% ƙasa da waɗanda aka samu shekara ɗaya da ta gabata, kodayake suna gabatar da halaye na kwarai idan aka kwatanta da ɓangarorin biyu da suka gabata. Don motsa jiki gabaɗaya, da yawan kudin shiga ya kai Euro miliyan 304,2, yana raguwa da kashi 4,9% dangane da shekarar da ta gabata.
A cikin yanayin ƙananan matakan ƙaƙƙarfan tashin hankali (15% matsakaiciyar yau da kullun bisa ga Alamar VIBEX, kashi uku cikin goma kasa da shekarar da ta gabata) jimlar yawan abubuwan hada hadar kudi sun kai kwangila miliyan 43,5 a shekarar 2018, raguwar kashi 2,4% idan aka kwatanta da shekarar da ta gabata. A zango na huɗu, ciniki ya ci gaba da kasancewa barga idan aka kwatanta shi da na shekarar da ta gabata tare da miliyan 12,2. Kwanan nan kwantiragin na gaba akan Ibex 35, samfurin da ke da mafi girman tazara a sashin, ya kara yawan kwangilolin da aka tattauna da kashi 1,2% a cikin binciken.
Garantin mai zuwa
Oneaya ne daga cikin samfuran da ke haɓaka haɓaka kasuwanci a cikin lokacin da aka bincika. Ofaya daga cikin tsaran da ƙanana da matsakaitan masu saka jari zasu iya kwangila shine ta hanyar zinariya. A cikin shekarar da ta gabata, an ƙaddamar da batutuwa da yawa na garantin akan kasuwa wanda ya dace saboda sun bayar ɗaukar hoto na asali, daga cikinsu akwai karfen rawaya. Wannan rukunin kayan kasuwancin ana rarraba su azaman babban haɗari daga masu nazarin harkokin kuɗi tun da Yuro da yawa na iya ɓacewa a hanya ta hanyar matsayin su.
Koyaya, waɗannan nau'ikan samfuran kuɗi na zamani suna bawa masu saka jari dama samun dama ga takamaiman kasuwanni. Wani abu wanda in ba haka ba ba za a iya inganta shi ba, ƙasa da ƙasa a cikin ɓangarorin ƙarafa masu daraja, a wannan yanayin zinare. A kowane hali, sabon zaɓi ne don saka hannun jari a cikin wannan kadarar kuɗi don ku sami damar amfani da kyakkyawan lokacin da ƙarfen zinare ke tafiya. Tare da wasu fitattun kimantawa a cikin watanni goma sha biyu da suka gabata. A cikin abin da aka saita a matsayin ɗayan amincin mafaka mai ƙimar kyau, musamman saboda rashin daidaito da fa'idar kasuwannin daidaito.
Operationsarin ayyukan tsaro
A cikin tsayayyen kasuwar samun kudin shiga akwai takardar kudi, shaidu da wajibai kayayyakin da ƙanana da matsakaitan masu saka jari suka kwangila. Dukkanin su samfuran kuɗi ne masu ƙididdigar kuɗi waɗanda ke ba da tabbataccen tabbataccen dawowa kowace shekara kuma waɗancan kayan aikin da Jiha ke amfani da su don tallafawa kanta. Kowane ɗan ƙasa na iya saka hannun jari a cikin waɗannan amincin, waɗanda ke da roƙon bayar da mafi girma sama da ajiyar banki na yau da kullun. Kodayake matsakaiciyar matsakaiciyar su sun ragu da yawa a cikin 'yan shekarun nan.
Tabbas, sanannen sanannen sanannen mai tanadin Mutanen Espanya shine harafin Jiha. Dogaro da tsawon lokacin wannan kadarar, akwai tayi guda uku: wasiƙu zuwa wata shida, shekara daya da watanni 18. Babu shakka ƙimar amintacciya ce, tunda an ƙayyade ƙimar riba. A kan wannan an kara da cewa, kodayake ribar da aka bayar ba ta da yawa sosai, lokacin saka hannun jari ya yi kadan. Waɗannan sune dalilan da yasa yawancin kuɗi da tsayayyun kuɗaɗen shigar kuɗaɗe ke saka hannun jari cikin waɗannan kayan.
Komawa ƙasa da 2%
Lissafin shekara guda a halin yanzu yana ba da dawowar 1,1%. Amfanin da ya fi wanda yawancin banki ke bayarwa, tunda gabaɗaya ribar da ake samu a shekara ba ta wuce 0,50% ba. A kowane hali, ɗayan manyan abubuwan jan hankali na wannan samfurin shigar da kayan gargajiya na gargajiya shine cewa ba lallai bane ku jira lokacin da zai ƙare don karɓar ribar, tunda ana ganin aikin a gaba. A wannan ma'anar, injiniyoyinta suna kamanceceniya da abin da takardun izinin banki suke.
A gefe guda, suna cikin ɓangaren jarin saka jari don masu tsaro ko masu ra'ayin mazan jiya. Inda tsaro na tanadi ya mamaye abubuwan da ke da lahani. Wato, kada kuyi tsammanin manyan abubuwan mamaki na waɗannan samfuran, amma aƙalla za ku sami tabbacin cewa ba za ku rasa Euro guda a kan buɗewa a cikin tsayayyun kudaden shiga ba. Tare da fa'idar da zaka iya ma zabi lokacin saka hannun jari, tare da shawarwari iri-iri. Fiye da wasu ƙididdigar fasaha.
Wannan na daga cikin koma-bayan da kasuwannin shigar da kudaden shiga suke da shi a halin yanzu kuma da alama ribarta za ta yi tashin gwauron zabi a cikin watanni masu zuwa. Amma, akasin haka, suna son daidaita su. A cikin tsayayyen kasuwar samun kudin shiga akwai takardar kudi, shaidu da wajibai kayayyakin da ƙanana da matsakaitan masu saka jari suka kwangila. Dukkanin su tsayayyun samfuran kuɗi ne waɗanda ke ba da tabbataccen tabbataccen dawowa kowace shekara kuma waɗanda aka kirkira azaman kayan aiki da Jiha ke amfani da su don tallafawa kanta. Kowane ɗan ƙasa na iya saka hannun jari a cikin waɗannan amincin, wanda ke da roƙon bayar da mafi girma fiye da ajiyar banki na yau da kullun.