Hazvishamise kuti isu tichazofanira kurarama nemitero yakaderera kwazvo, kunyangwe nekudzoka kwakashata. Vaviri kudivi uye rimwe reAtlantic mushure mesarudzo dzevamiriri vemari. Asi izvo zviri pachena kuti ichave iri shanduko yezano muzvikamu zvedu kubva zvino zvichienda mberi. Nekuti uyu musiyano mune yekudyara portfolio inogona kukwirisa iyo bhalanzi mune imwe nzira kana imwe. Panguva iyo kusagadzikana mumisika yemari yakadzoka kuzogara kwenguva yakareba.
Mitengo yakaderera mumisika yemari nguva dzose inogamuchirwa zvakanaka nevashambadzi vadiki nepakati. Pakati pezvimwe zvikonzero, nekuti ichi chiyero chemari chinobaya kugona kukuru mumisika yemari. Asi ndiwo mamwe masevhisi ayo anobatsirwa nerudzi urwu matanho.
Iko kupinda muchikwereti kwakachipa uye chinhu ichi chinogona kukanganisa sarudzo dzaungaite muhukama hwako nenyika inogara yakaoma yemari. Usatarise zvakanyanya pakutenga nekutengesa masheya pamusika wemasheya. Kana zvisiri, pane kudaro, unogona kusarudza dzimwe nzira mukudyara.
Mitengo yakaderera: yakaipa kumabhangi
Iyi nzira yemari iri kukuvadza zvakanyanya kune zvido zvemasangano emari. Nekuti yavo yekudyidzana margins ari ezasi uye nekudaro yavo purofiti inotambura neiyi accounting chokwadi mumakambani akanyorwa. Kusvika padanho rekuti hunhu hwavo hunodzikira mumisika yemari uye dzimwe nguva nehukuru hwakanyanya, sezviri kuitika panguva ino. Mabhenji ivo vakadzikira mukukosha kwavo mumwedzi ichangopfuura nekuda kwekureruka kwemutemo wezvemari munzvimbo yeyuro.
Nepo kune rimwe divi, isu hatigone kukanganwa kuti mihoro yavo yakadzikira sezvo mitsetse yechikwereti yavanoshambadzira inoitwa nemitero yakaderera pane mune mamwe makore. Pamusoro pezvo, mamwe mabhanga ari kutambura zvakanyanya kubva pamitemo yemari iyi uye vari kutyaira yavo yemitengo kune ese-nguva akaderera mumakore achangopfuura. Naizvozvo, zvinogona kutaurwa zvakajeka kuti haisiyo nguva yakanakisa yekutora zvinzvimbo munzvimbo dzekuchengetedza chikamu nekuti vanogona vachiri kukupa kumwe kusagutsikana.
Chengetai mukuvandudza bhizinesi
Pane zvinopesana, imwe yesarudzo iwe yaunofanirwa kuita kuti capital yako ibatsire kutanga chero mhando bhizinesi. Izvi zvinodaro nekuti iwe unogona kuwana makadhi anodhura kupfuura makore mashoma apfuura, kuti nenzira iyi iwe ugone kukuchengetedza zvishoma zvishoma zvegumi muzana muzana kana kana poindi pazvikwereti zvemakore gumi apfuura. Icho chinhu icho pasina mubvunzo chinokubatsira iwe kusangana nezvinodiwa zvebhizimusi mune rako rehunyanzvi. Kusvika pakuti inogona kunge iri imwe nzira yakajeka yekudyara.
Panguva ino, mabhanga anozvipira kuwana mari yekumisikidza bhizinesi akateedzana emakadhi echikwereti ane huwandu hwechikwereti huri pakati pe7% ne9%. Uye zvakare, muchikamu chakakura chezita rekubhengi kusunungurwa kubva kumakomisheni uye zvimwe zvinoshandiswa mukutarisira nekuchengetedza. Nemamiriro ezvinhu anonyanya kufarirwa semhedzisiro yekudonha kwezvibereko uye izvo zvinokukoka iwe kuti usarudze yerudzi urwu rwekudyara kwakakosha uye izvo zvinoitirwa vatyairi vane njodzi yakawanda.
Kutenga imba yechipiri
Real estate Investment ndeimwe yesarudzo dzauinadzo panguva ino yekuita kuti yako inowanikwa capital ibatsire. Mupfungwa iyi, ichokwadi kuti mitengo yemba yakakwira mugore rapfuura muzvikamu zvakapetwa kaviri semhedzisiro yehukuru hweiyo misika yezvivakwa. Asi mukuda kwako inoridza chokwadi icho mogeji dzichiri dzakachipa kupfuura nakare kose. Iko kwaunogona kuwana kupararira pazasi pe1% mune zvimwe zviitiko. Zvakare kusunungurwa kubva kumakomisheni uye zvimwe zvinoshandiswa mukutungamira nekugadzirisa. Saka kuti nenzira iyi, iwe unogona kuita kuti kuvhiya kubatsire mukati memakore akati wandei.
Kune rimwe divi, iwe unogona zvakare kugovera imba yechipiri yerendi uye kugadzira mari yakatarwa uye yakavimbiswa mwedzi wega wega gore rega. Iko kunofanirwa kutarisa kuti iko kubatsirwa kwerendi yakagadziriswazve ne50% kubvira kupera kwedambudziko rehupfumi kuSpain. Ndokunge, zvakanyanya kupfuura iyo kufarira kunowanikwa kubva mukutenga nekutengesa migove mumisika yemari. Kusvika pakuti chave chiri chisarudzo chechikamu chakanaka chevashambadzi vadiki nepakati. Uine tarisiro yakanaka, zvirinani kweanotevera makore maviri kana matatu anotevera.
Tora zvinzvimbo mugoridhe
Iyi simbi yakakosha inowanzo gamuchirwa semari yemari par kugona. Nedzakanaka kudzoka mumwedzi gumi nembiri yekupedzisira uye izvo zvakatungamira simbi yendarama ku revalue inopfuura 60%. Chinhu icho parizvino chakaomesesa kuwana nezvigadzirwa zvemari senge mari yekudyara, zvigadzirwa kana kunyange magwaro. Uye zvechokwadi, kupeta kaviri kana katatu mari yaunogona kuita inobatsira mukushanda kwekutenga nekutengesa zvikamu mumisika yemari.
Ndichiri kune rimwe divi, chimwe chinhu chaunofanirwa kuongorora kubva panguva dzino chaicho ichokwadi chakabatana nacho kusagadzikana kukuru inogona kutamba mune zvaunofarira semudhara mudiki nepakati. Nekuti kukwira kwayo kwemitengo kunogona kuwedzera kukwirisa yero simbi mitengo. Kunyanya kana hombe mari yekudyara ikafunga kubheja pane iyi yemari asset inokodzera kutora zvinzvimbo panguva ino. Iine iwo anofadza maonero evanoongorora zvemari kubva kune tekinoroji yekutarisa.
Risk premium yekutarisa
Hukama hwakananga hweprimiyamu yengozi pamwe nemari muzvikwereti haina kunanga nekuti haina hukama nekushanduka kwayo. Asi ikozvino, chokwadi chekuti iyo musiyano wenyika uri kuderera nenongedzo yayo poindi inhau dzakanaka dzehupfumi hwayo uye, mune dzidziso, inofanirwa kuratidza shanduko yemastock indices sezvo iri iri kukwikwidza hupfumi. Uye zvakapesana mune yakapesana kesi. Kunatsiridzwa kweparamende iyi kunofanirwa kubatsira misika yemasheya kutaridzika zvirinani uye yavo yemitengo inokwira.
Pakati pezvimwe zvinhu nekuti zvinoratidza kuti kune chivimbo chakakura muhupfumi hwenyika uye izvi zvinogona kuisirwa kumakambani ari kubatsira. Asi izvi hazviwanzo kuitika, nekuti zvichazotongwa nezvimwe zvinoshanduka kunze kwemusika wemari yakatarwa, uye mune iyi nyaya zvinoenderana neicho chaicho chemakambani. Kubva pane ino maonero, hazvizove zvinokurudzirwa zvakanyanya kuzviisa pamusika wemasheya kana purofiti yekambani ikawira mumakore anotevera. Asi, danho rakakodzera ndere kusarudza kutenga mune iyi mhando yezvinhu zvakagadziriswa zvemari, kungave zvakananga kana kuburikidza nemari yekudyara.
Mukati mehombodo, ma electric
Ehezve, imwe yematanho makuru mumisika yemari inogona kubatsirwa kubva muchiitiko ichi chatinofunga ndechekambani dzemagetsi. Icho chikonzero ndechekuti ivo vari ane chikwereti chakakura uye chiyero chemubereko chakaderera chinovandudza zvavanotarisira kuti vawane mari yakawanda kana kunyatsoita amortization iyo yavakatobvumirana mumakore apfuura. Kusvika padanho rekuti mutengo wemasheya ayo unokwanisa kutora nzira iyi mune imwe yeakasimba kwazvo epasirose stock exchange, kunyanya iyo yeSpanish.
Nepo kune rimwe divi, isu tisingakwanise kukanganwa kuti chikamu chebhizinesi ichi ndicho chimwe chezvinhu zvinovimbiswa kugovera mugove wakanaka pakati pevachagovana navo. Nenhanho yemubatsiro iyo iri pakati pe5% ne7% kuburikidza nemubhadharo wakatarwa uye wakavimbiswa gore rega rega. Seimwe yeanokurudzira vatengesi vanofanira kuvaka yavo portfolio yekudyara.
Iyo FED inoderedza chimbadzo
Federal Open Market Committee yeUnited States Federal Reserve (Fed) yakafunga kudzikisa chimbadzo nechetere muzana muzana, kusvika kune yakatarwa pakati pe2% ne2,25%, nekudaro achizadzisa zvinotarisirwa mumusika. Uku ndiko kuderera kwekutanga mumutengo wemari kubva mukupera kwa2008, apo mitengo yakadzikiswa kurwisa hupfumi hwehupfumi.
Kunyangwe kubva zvino zvichienda mberi, misika yemakambani ichave yakamirira masaini matsva kubva kune vane masimba epamusoro muUnited States nezve kumwe kuderedzwa kwemitero yezvibereko. Uye izvo zvechokwadi ivo vaizogamuchirwa kwazvo nevashambadzi vadiki nepakati. Nekuti hatigone kukanganwa kuti kucheka kwazvino kwasvika kune vashoma uye vamiriri vezvemari vari kudaidzira matanho ane hukasha anogona kufarira misika yemasheya kutenderera pasirese uye kunyanya avo vari padhuze neEurope. Nezve zvinokwanisika kuwedzera mune ayo makuru masheya indices.