Kugadzikana muSpanish yakasununguka zvisungo chinhu chakajairika icho chakachengetedzwa mumakore achangopfuura. Inokanganisa zvigadzirwa zvinoverengeka zvekudyara nekuchengetedza. Asi ikozvino vanogona kunge vari munjodzi yakakomba sekureva kwesangano rekuyera chikwereti Moody's, iyo yakayambira nezve inogona kudzikisirwa yehutongi hweSpain.. Parizvino yakarongedzwa pamatanho e'Baa1 'nemaonero' akasimba ', kana shanduko yevashandi nepenjeni yakadzorerwa, sekureva kweshumo rakaburitswa nekambani iyi Chipiri.
Izvi mukuita zvinoreva kuti kana izvi zvikaitika, zvaizopedzisira zvave kukanganisa zvisungo zvenyika yedu. Asi zvakare kune zvimwe zvigadzirwa zvemari, senge mari yekudyara mune yakatarwa mari, mari dzekuchinjana-kutengeserana, zvirongwa zvepenjeni uye, kazhinji, mazhinji mamodheru kuti aunze kudzoka pane kuchengetedzwa kune vashoma nepakati varimi Panyaya iyi, mubairo wako unodzikiswa neumwe musimboti kana imwe zvichibva pachikwereti chitsva chaMoody. Chero zvazvingaitika, iyo yambiro kune vafambisi vezvikepe iyo isingakoshe kurerutsa nekuti inogona kukanganisa chikamu chikuru chevashandisi.
Nepo kune rimwe divi, chingave chinhu chakaomarara kumisika yemari yenyika yedu nekuti yaizoremerwa nekutsunga uku padivi revamiriri vemari vekunze. Nekuti zvirokwazvo, hazvigone kukanganikwa panguva ino kuti iyo yevashandi uye pension shanduko Ivo vari patafura pasi pezviyero zvakateedzana nehurumende itsva iri kuumbwa munyika medu kubva zvino zvichienda mberi. Iine zvinopfuura zvinoonekwa zvinokanganisa hupfumi hwenyika uye izvo pasina mubvunzo zvichave nemhedzisiro yayo kumisika yemasheya.
Changamire zvisungo: vanoita sei chibvumirano?
Ichi chigadzirwa kubva pamari yakatarwa chinogadzirwa kuburikidza ne kubvumirana kwakananga mumisika yemari. Nebudiriro inovandudzwa mwedzi wega wega zvichienderana nemisiyano yakapihwa nenyika. Parizvino, nyika yakasununguka chisungo ndechimwe chezvinhu zvinobatsira zvikuru zvinogona kuwanikwa. Pamusoro pevamwe vane hunhu hwakafanana nechisungo cheItaly Chigadzirwa chiri kurangwa nemisika yemari yehurongwa hwakagadzirwa nenyika iyoyo yeLatin.
Chisungo cheSpain, kune rumwe rutivi, chinogona kuve nekukura kwakasiyana uye nekuda kwechikonzero ichi chinogona kutariswa sechigadzirwa chinoshanduka zvemari. Icho chakanangana nenguva dzekugara kwenguva pfupi, asi mune dzimwe nzira zvakare mune yepakati nepakati refu. Nebudiriro inozivikanwa musati yabhadharwa uye iyo parizvino inofamba neanopindirana margins anoenda 1,12% kusvika 1,90% anenge. Chero zvazvingaitika, chiyero chemubereko chinogara chichigadziriswa uye chakavimbiswa gore rega rega.
Kuburikidza nemari yekudyara
Chero zvazviri, nzira yakapusa uye yakareruka kune vashoma nevepakati varimari kuwana chibvumirano chehunhu uhwu ndewekudyara mari zvichibva pamari yakatarwa. Ivo varipo mune yakanaka chikamu chemari portfolio ayo manejimendi makambani anga achigadzira, zvese zvemunyika nekunze kwemiganhu yedu. Kuburikidza nemhando dzakasiyana-siyana dzinowanikwa kuitira kuti vagone kunyoreswa nevashandisi. Beyond imwe nhevedzano yehunyanzvi kufunga.
Nepo kune rimwe divi, hazvigone kukanganwika kuti iri boka remari rakasanganiswa nezvimwe zviwanikwa zvemari. Ose ari maviri kubva kune yakatarwa uye inoshanduka mari, uyezve kubva kune dzimwe nzira sarudzo. Nechinangwa chekutanga che kusiyanisa matanho ekudyara kuchengetedza zvipo zvemari munguva dzakaipisisa kumisika yemari. Ivo varipowo pasi peanoshanda kana pasiti manejimendi zvinoenderana nezano rekudyara remaneja chaiye. Nemakomisheni anosiyana kubva pa0,7% kusvika pa1,5% zvichienderana nekuumbwa kwayo.
Yakabatanidzwa mu ETFs
Ichi chimwe chigadzirwa chemari chinosanganisira nyika dzakazvimirira zvisungo. Iyo yemhando yekuchengetedza inosanganisa mari yekudyara nekutenga uye kutengeswa kwemasheya pamusika wemasheya. Yakanangiswa kune ipfupi izwi rekugara kupfuura mune zvakajairika mari yekudyara. Kune rimwe divi, iro rinozivikanwawo nekuti kuratidzwa kwaro kune dzimwe nhumbi dzemari kwakadzikira zvakanyanya. Zviri nyore kwazvo kubvumirana uye ivo vakave imwe nzira yakajeka yekudyara mumakore achangopfuura nekuda kwehunhu hwavo hwakakosha.
Kune rimwe divi, hazvigone kukanganwika kuti ichi chigadzirwa chemari chinowanikwa mune iripano kupa kwezvikwereti masangano ane dzakasiyana-siyana mhando dzemhando dzakasiyana. Saka kuti vashoma uye varipakati varimari vanogona kusarudza fomati inokodzera kwazvo chimiro chavo seanodyara. Kunyangwe mune ino kesi, ivo vanomira pachena nekuti hapana yakavimbiswa kudzoka chero nguva uye zvese zvinoenderana nekushanduka kwavo mumisika yemari. Kunyangwe ivo vachiwanzo gadzira diki kudzoka gore rega. Kudzorera zvipo zvemari uye zvido zvavo zvinoenderana panguva yekugadziriswa kwavo.
Kusiyana nekuremekedza mamwe mabond
Chisungo cheSpain chinochengetedza mamwe maratidziro ayo anofanirwa kukosheswa panguva yechibvumirano chayo uye izvi zvinotevera izvo zvatinoisa pachena pazasi. Zviri nezve bhonasi izvo isina kuchengetedzeka pane yeGerman kana American sezvo isingaite sekupotera munguva dzekusagadzikana mumisika yemari yemari. Ichiri kune rumwe rutivi, hazviunze kusagadzikana panguva yechisungo cheItari. Iko kune iyo njodzi yekudyara chinhu chakasarudzika kusimudzira purofiti yayo mumisika yezvemari, nemisiyano kubva pamwedzi kusvika kune mumwe zvichibva pane izvi zvinosiyana.
Chero zvazvingaitika, iri kirasi yemari yakamisirwa yemichero zvigadzirwa inonyanya kukoshesa chimiro chakanyatso tsanangurwa chemasaini. Iyo yemunhu anochengetedza kana anozvidzivirira uko kuchengetedzeka kunowanda pamusoro peimwe kirasi yekufungisisa pamusoro peimwe kirasi yemamwe maitiro ane hukasha uye kuti muzviitiko zvakawanda zvine chekuita nekubatsira kwayo. Icho hachisi chigadzirwa chekufungidzira kana kuwana mihomwe yemari, asi zvinopesana iyo yakanaka kugadzira yakadzikama kana isingadzikamise mari yekutsinhana kwenguva yepakati nepakati.
Zvakanakira zvisungo zvenyika
Iwe unofanirwa kufunga zvakateedzana zvemipiro mukunyorera kwako uye ndidzo dzatinofumura pazasi: kuitira kuti nenzira iyi, isu tiri muchinzvimbo chekukoshesa kuita uku mumisika yemari.
- Gadzira a profitability, iyo kunyangwe isinga bude pachena inoshamisa inokubvumidza iwe kuti uwane mari gore rega.
- Kazhinji chigadzirwa chemari icho yapera uye kuti mune zvese zviitiko zvinofanirwa kuteererwa.
- Icho chigadzirwa chiri chaizvo nyore kuhaya uye izvo saka hazvidi kudzidza kwakakosha mukuita kwayo kana kunzwisisa kwayo.
- Icho chiripo mukupa icho chave chiri kusimukira mabhanga ese yenyika yedu uye hapazove nedambudziko nekugadziriswa kwayo kwakakodzera.
- Makomisheni ako hadzisi dzakakura kwazvo uye chero zvakadaro ivo vari pazasi peavo vanoshandiswa mukutenga nekutengesa masheya pamusika wemasheya.
- Iko kudyara kunoonekwa ine njodzi shoma mukushanda kwayo, kunyangwe zvichitsamira mukuitika mumisika yemari
- Uye pakupedzisira, zvinofanirwa kucherechedzwa kuti iyi kirasi yemabhondi inosanganisirwa iyo mari inochengetedza kana inodzivirira nevashambadzi vadiki nepakati.
Pamari yekuchinja kwepenjeni
Chero zvazvingaitika, zvisungo zvemunyika zvinogona kunge zvichiongororwa zvichienderana nekuti shanduko yevashandi neyepenjeni inodzoserwa pakupedzisira. Iyi ndiyo imwe yenjodzi dzinofanirwa kutarisirwa kubva zvino zvichienda mberi. Mupfungwa iyi, iro rezvikwereti rinoisa kudzoreredza shanduko uye secessionist zvido zveCatalonia seyakanyanya njodzi yezvikwereti iyo nyika yave nayo. Muchiitiko ichocho, hazvizove zvinobatsira sechigadzirwa chemari sezvazvinogona kunge zviri izvozvi. Naizvozvo, iyi mamiriro matsva anofanirwa kuongororwa pamwe nemiparamende mitsva inoenderana nekuita kwayo.
Nepo kune rimwe divi, "kusimba kwehupfumi hweSpain kunoratidza kuvandudzika munzvimbo yemakwikwi inokonzeresa kuwanda kwekunze kwakachengeterwa uye kukura kwakanyanya kunonoka kupfuura zvekare," akadaro Moody muchirevo chake. Kuve mune chero nzira imwe yemumvuri iyo chigadzirwa ichi chinopa chekudyara kwemwedzi iri kuuya kana kunyange makore. Iine iyo kusagadzikana kunogona kukonzera mukuda kwevadiki vepakati nepakati.
Kunge zvinogona kuitika mumusika wevashandi, sezvo chimwe chezvinangwa zvaPedro Sánchez kudzora shanduko yevashandi yakasimudzirwa naMariano Rajoy mukati medambudziko rehupfumi. Pasina mhedzisiro pane iyo purofiti yeiyi kirasi yemabhondi uye izvo nekudaro zvinorasikirwa nemakwikwi nevashambadzi vekunze kubva panguva iyoyo zvichienda mberi.