Pachine imwe tariro yekuguma kwakanaka kwekubata kwedu nemisika yemari panguva ino rakaoma gore iyo yanga iri yemusika wekuSpain wemusika. Iri kupi kurasikirwa pamusoro pe10% chete apo mwero wekutaurwa kwesarudzo yekusarudzika yemari inoshanduka yenyika, Ibex 35, inosvika padiki pamakore matatu apfuura. Nokutyora rutsigiro rwakakosha rwunowanikwa pamakumi mapfumbamwe ezviuru. Ichi chiito chakatungamira mukushaikwa kwetariro iyo yakagara muchikamu chakanaka chevashambadzi vadiki nepakati.
Chero zvazvingaitika, kuchine mwedzi unopfuura mwedzi gore remusika wemasheya risati rapera uye kune tariro yekuti chiitiko ichi chinogona kuchinja. Asi zvakanyanya kana zvirinani chengetedza iyo fanicha munguva ino yekupedzisira yegore. Kunyanya kuburikidza neshanduko mukuita mashandiro atakaita kusvika zvino. Uye zvakare, hatigone kukanganwa kuti isu takatarisana nekusvikira kwetsika Krisimasi pati rally uye kuti kuburikidza nemakore auya akaremerwa nekukosha kunosimudzira mumutengo wevatatu.
Chimwe chezvaunonyanya kukoshesa munguva ino ipfupi ichave kutora mukana wemabhizinesi mikana anomuka kubva zvino zvichienda mberi. Asi izvo zvinofanirwa kuperekedzwa nekumwe kusiana mune ako marongero ekudyara. Iko kusanganiswa kweaya maviri masisitimu ekuenderana nenyika yemari kunofanirwa kukushandira iwe, kwete chete kuti zviite zvako wega pfuma ive inobatsira mune ino nguva. Asi zvinopesana, chichava chishandiso chine simba che chengetedza nzvimbo dzako mune chero misika yemari. Icho chichava chinangwa chako izvozvi.
Chekutanga zano: shandisa zvakaderera mitengo
Ehezve, mazuva ano haufanire kupotsa kuve nehasha mune dzimwe nguva dzakanyanya kusimudzira dzemisika yemari. Kutora mukana wekuti mukati memazuva ano mabhegi anogara netariro, angangoita kazhinji uye kunze kwegore rapfuura, semuenzaniso gore rapfuura. Hazvishamise kuti mumwedzi mumwe chete iyo Spanish equity index inogona kukwira neavhareji ye5% mune yakaipisisa mamiriro. Iko kune kwakanyanya kurangwa tsika kuchave iwo akasimuka zvakanyanya mune inochengetedza nguva uye kumusoro maitiro.
Kune rimwe divi, iwe haugone kukanganwa kuti pane mari yakawanda inopinda mukushanda kwemusika wemasheya mukati memazuva ano. Uine kutengesa huwandu yakanyanya kukwirira uye izvo zvinoratidza kupinda kwezvakawanda zvinotengwa mumisika yequity. Kubva pane akajairika mamiriro, iwe unogona kuwana yakakwira kudzoka kunzvimbo dzako mumusika wemasheya. Ichi ndicho chimwe chehunhu hunoonekwa mune ino chaiyo nguva yegore kune vanhu vese.
Chechipiri zano: sangana nemamwe mafaera
Iwe unogona kudzimura njodzi dzinosanganisirwa mukutengesa pamusika wemasheya zvishoma nekusiyana kwekuchengetedza mune mamwe mafaindi emari. Kunyanya izvo zvakatorwa kubva zvigadzirwa zvebhangi (yakatarwa-nguva dhipoziti, bhizinesi promissory manotsi kana akakwira-anobhadhara maakaundi). Nenzira iyi, iwe unenge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchitsvaga. Pakati pezvimwe zvikonzero nekuti ivo vanokupa iwe yakatarwa uye yakavimbiswa kudzoka gore rega. Nechibereko chemitengo iri pakati pe0,50% uye 2%. Ehezve, hausi mubairo unorayirwa, asi zvirinani kuti udzivise kuve nekurasikirwa mune yako mari chirevo.
Aya marudzi ezvigadzirwa zvemari anobatsira kwazvo panguva ino kubva mukukwira kunotevera mumutengo wemari kunounza kuwedzera mukubatsira kwako kwemakore mashoma anotevera. Parizvino kufarira munzvimbo yeeuro kuri 0%, iro rakadzika kwazvo munhoroondo. Asi sarudzo ye European Central Bank (ECB) ndeyekupedza iyi isingafadzi mamiriro ekuchengetedza. Nekufambira mberi kwehuwandu hwehuwandu kubva pagore ratiri kuda kutanga. Kubva pane ino mamiriro, zvichave zvinobatsira kwazvo kune zvako zvaunofarira kutangazve iyi investa mune yakatarwa mari uye kupfuura zvimwe zvehunyanzvi kufunga.
Chechitatu zano: dzokera kune mamwe mamodheru
Chekutanga pane zvese, iwe unofanirwa kufunga kuti kune hupenyu hunopfuura pamusika wemasheya uye mupfungwa iyi hauzove nesarudzo kunze kwekutora mukana wese emabhizinesi mikana ari kusimukira mumavhiki ano kushanduka kwegore. Sezvo vatengesi vanowanzo taura, mabhizinesi anomuka chero nguva uye zvakanyanya kudaro panguva dzezvakakura kusagadzikana kwemusika zvemari Iine yakanyanya kukwirira kumusoro kumusoro sezvakamboonekwa mumakore apfuura.
Zvisarudzo zvaunazvo panguva ino zvakakura kwazvo. Iwe unongofanirwa kusarudza yemusika musika ine yakanyatso tsanangurwa-uptrend. Pasi pemiparamende, misika yesimbi yakakosha ndiyo inogona kunyatso kusangana nezvaunoda. Nemari yemari yakakosha kukosha kweiyo goridhe, sirivheri kana platinum. Iko vamwe vavo vanoratidza kudzokorora kusvika parizvino gore rino padhuze ne30%. Chikamu chausingazopihwe pamusika wemari, kunyanya mumwedzi iyi yakaoma kuti ushande munzvimbo dzavo. Hazvishamise kuti goridhe rinoonekwa senzvimbo yakachengeteka kukosha pane kugona uye mune vanoisa mari vazhinji apo musika wemasheya hausi kupfuura panguva dzakanakisa dzayo.
Chechina zano: real estate mapuratifomu
Mumakore mashoma apfuura, akateedzana ezvivakwa mapuratifomu akabuda ayo anokupa iwe kusvika ku13% purofiti mukuita kwavo. Uine mukana wekuti iwe unogona kutora zvinzvimbo kubva pamwero wakadzikira wemhuri dzese, kubva chete makumi mashanu euros. Kubudikidza nekutengeserana kwayo kwemafurati, nzvimbo yekutengesa kana kunyange magaraji. Uku kudyara kwakavakirwa pane chimwe chinhu chakareruka sekuve chikamu cheiyo purojekiti yaunosarudza iwe pachako. Nekudaro, chakanyanya kudzosera kumashure ndechekuti iwe uchafanirwa kumirira kusvikira kupera kwekuvhiya kuti uwane mari.
Nekuti zvirokwazvo, iwe hauzove nesarudzo kunze kwekunge uine immobilized mari yenguva yeiyo purojekiti yezvivakwa. Rudzi urwu rwekufambisa mari inoda kugara zvachose kwemwedzi mitanhatu kusvika gumi nemitanhatu. Nematanho akasiyana ezvibereko zvemitero iwe zvauri kuzogamuchira pakupera kwekuvhiya. Aya mapurojekiti kazhinji ane chiyero chenyika, asiwo mune dzimwe nyika dzepasi. Zvichienderana nezano reimwe neimwe yemari chikuva mune chikamu chisati chave kusimukira munyika medu.
Chechishanu zano: inishuwarenzi yekudyara
Kana iwe uri mumwe wevashandisi vanofunga kuti term dhipoziti inogadzira isina kukwana kudzoka, inishuwarenzi inishuwarenzi inogona kunge iri mhinduro inogutsa kwazvo kune ako ekudyara zvido. Icho chigadzirwa chemari chinoregeredzwa zvakanyanya nevashambadzi vadiki nepakati vanoratidzira kufarira kunonakidza kune vese vachienzaniswa nezvimwe zvigadzirwa zvemamiriro akafanana. Kusvika pakuti iwe unenge wave nekushandisa kusvika 3% yakatarwa uye yakavimbiswa gore rega. Kunyangwe pasina mukana wekununurwa, kusasarura kana kukwana, panguva yekugara mune iyi mhando yeinishuwarenzi yakasarudzika.
Kune rimwe divi, ivo vanopa kwenguva refu zvirongwa zvekugara kupfuura zvakajairwa, nekukura kwakatemwa pakati pemakore mashanu ne10. Iri zano rekuchengetedza zvakanyanya rakanangana nechengetedzo yemushandisi. Iko kuchengetedzwa uye kuchengetedzwa kwekuchengetedza kuri pamusoro pezvimwe kufunga. Saka kuti zvishoma nezvishoma iwe unogona kugadzira yakatsiga yekuchengetedza bhegi ine purofiti iyo iri shoma pane inogamuchirwa. Izvi zvigadzirwa hazvitengeswe nemabhangi senguva dzose mune izvi zviitiko, asi nemakambani einishuwarenzi.
Wechitanhatu zano: Kisimusi rally
Kana iwe uchida kuita purofiti iyo capital inowanikwa mumusika wemasheya hapana mubvunzo kuti ino nguva yegore inofarira kwazvo kune urwu rudzi rwekushanda. Nekusvika kwerally yechinyakare yezororo reKisimusi, mutengo wechengetedzo unokwira pamisi iyi yakakosha. Inogona kunge iri nguva yekuti iwe uite zvimwe kushanda kwenguva pfupi kukutorera maeuro mashoma. Aya ndiwo mafambiro akakurisa uko kukosha kwemasheya kunogona kupfura kumusoro kweinopfuura 3% muchikamu chimwe chete chekutengesa. Kunyangwe vaine nzira yakaganhurirwa uye uchafanirwa kunyatsoteerera kuvandudza kutengesa kwavo.
Chero zvazvingaitika, haufanire kusiya mari panguva ino yekupedzisira yegore. Izvo zvinongoramba zviripo kuti iwe sarudza iyo modhi iyo inogona kukudziridza iyo huru mukana wekutarisazve mumwedzi wekupedzisira wegore. Zvekuti iwe ugone kuvhara gore uchinyemwerera pamiromo yako uye nenzira iyi unogona kugadzirisa gore risati rave chero chinhu chakanakira zvido zvevashambadzi vadiki nepakati. Iko iyo kuchengetedzwa kwemari yako Chichava icho chikuru chinangwa chezviito zvako uye kupfuura dzimwe nzira dzekudyara.
Chero zvazvingaitika, zvinoda humwe hunyanzvi mukuita basa nekuti tiri mune yakajeka nguva yakaoma kuitira kuti iwe ugone kuwana kudzoka kukuru senge zuro rapfuura.