Mhedzisiro kubva kuSpanish stock market seyambiro yekudyara

Imwe yemaitiro ayo vatyairi vanozvidzivirira vanotanga kuburikidza nemakambani akanyorwa muzvikamu zveSpanish izvo zvinopa avo vagovana navo kugoverwa kwemubhadharo wezvavanowana. Ivo vanozivikanwa sezvikamu, uye izvo Izvo zvakagadzirwa senzira yekuwana yakatarwa mari mukati meiyo kusiana. Izvo zviri nyore, asi panguva imwechete seyakaomarara sezvauri kuzotarisa kana iri nhoroondo yako semushambadzi.

Chikamu chakanaka chemakambani emunyika akanyorwa pamusika wepasirose unoenderera mberi ndivo vari kutarisira kugovera zvikamu pakati pevasevha vese vakatora zvinzvimbo muzvikamu zvavo. Vanopa gohwo rakakura kwazvo repagore, kubvira Ivo vanobva kune mashoma 1%, kune vane rupo kwazvo vanokwidza margins avo kusvika ku8%. Neboka rose remakambani ari kutarisira kugovera uyu mubairo pakati pevashambadzi vakatenga zvikamu zvavo.

Asi ikozvino, zvinokurudzirwa here kutora yakachengetedzwa chengetedzo kune chokwadi chekuti inogovera zvikamu pakati pevagovani vayo? Mhinduro yacho inoenderana neprofile yemusimari wauinaye. Hazvishamise kuti, vanochengetedza zvakanyanya ndivo vanonyanya kushandisa zano iri mukudyara kwavo. Kunyange inogona kubatsira kukudzivirira kubva pakurasikirwa mune ramangwana. Izvi ndizvozvo, nekuti panguva ino urikugamuchira kudzoka pane yako mari yaunotenderedza 5% gore rega. Uye izvo chero zvazvingava, zvinogona kudzikisira (kana kuita amortize) mari inowanikwa kubva mukugadziriswa kwebasa.

Chimwe chinhu chakakosha chaunofanira kufunga nezvacho ndechekuti chikamu chavanokupa chinobviswa zvakananga kubva pamutengo wemugove. Haisi chipo zvachose. Kunyangwe ichiwanzochidzorera mushure memasangano mashoma ekutengesa, kunyangwe maitiro aya asina kuvimbiswa mu mari yemari. Chero zvazvingaitika, chii chicha kukuwanisa ndechekuti iwe uve nemari yakawanda muakaundi yako yekutarisa, ndipo panobhadharwa izvi nemakambani akanyorwa muzvikwereti. Uye kunyange kuitazve, kana ichi chiri chako chishuwo.

Hunhu hwemakambani anogovera zvikamu

Havasi vese vanoita kugoverwa uku kwemi purofiti yavo, asi chete iwo ari bhizinesi akasimbiswa, uye vane chinzvimbo chakasimba mune yenyika stock index. Zvinenge zviri nyore kuti iwe uzvizive, kana zano rako rekuita kuti mari ichengetedze iende kuburikidza nemuenzaniso uyu. Uye izvo zvakasiyana nemamwe makambani, ivo vanofungisisa akateedzana ehunhu anogara aripo, uye izvo zvinoita kuti zvionekwe zvakanyanya kune vatengi.

• Iwo makambani makuru-chivharo, uye kuti vane chakakurumbira chaicho chakatarwa muSpanish stock stock. Dzakawanda kuchengetedzeka dzinochinjaniswa muchikamu chimwe chete chekutengeserana, uye chero zvakadaro pamusoro pezvimwe zvekuchengetedzeka.
• Ivo vanobva kune angangoita ese masiteki emakesi zvikamu, zviripo pasina kubviswa. mabhangi, inishuwarenzi, makambani ekuvaka, telecoms, makambani emagetsi, zvinhu zvevatengi, nezvimwe.
• Ivo vanopa akatsiga kwazvo mabhizimusi mamodheru, ayo akave akabudirira kugadzirwa mumisika kwemakore mazhinji, uye nekudaro ave nawo anovimbwa nevose vanoita mari, vese vemasangano uye vekutengesa.
• Iyo periodicity yezvikamu haina kufanana, nekuti ivo vanogadzirwa nehukuru hwakawanda: pagore, semi-gore kana kotatu, zvinoenderana nemitemo yavo yemubhadharo, uye inogona kusarudzwa nevaponesi zvichibva pane uyu mupiro.
• Yese machipisi ebhuruu pamusika weSpanish stock, ndiko kuti, anomiririra zvakanyanya, ita kuti mari idzi dzishande, pasina kubvisirwa, nemusiyano chete wehuwandu hwayo.
• Iwo makambani anoita izvi kubhadhara paakaundi Ivo vanowanzo kuve chinhu chinotariswa nevakuru homwe yemari maneja, iyo inowanzovasanganisira mumhando yavo yemhando.
• Iwo hunhu hwakanyanya kukwezva mari kubva kuvadiki vepakati nepakati. kutsvaga mubairo wakavimbiswa wekuchengetedza kwako, uye kazhinji kazhinji.
• Mashoko ako vanofamba pasi pekudzikama kukuru mumitengo yavo kupfuura kumwe kuchengetedzwa, uye pasina kuratidza kusagadzikana mukati mazvo. Kwete kuve yakanyatsokodzera vafungidziri.

Madiki Ekudyara Maitiro

Nekirasi iyi yemakambani, vatengesi vanowanzo kuve nemazano akati wandei ekuendesa kudzoka pane zvavo zvinhu. Izvo hazvisi zvakafanana nguva dzese, uye zvinoenderana zvakanyanya nemamiriro ako seanodyara. Imwe yeakanyanya kupararira yakavakirwa pakutora zvinzvimbo (kutenga) mumakambani aya mukati memavhiki pamberi pekugoverwa kwemubairo uyu.

Kune rimwe divi, vanokuvimbisa kuti iwe uchagamuchira mubairo, uye kune imwe yacho, iwe unotora mukana wehukuru hwakadzikama mune yekoteisheni yemitengo yavo. Izvi zvinodaro nekuti kutenga kunowanzoiswa pakutengesa mumavhiki vasati vapihwa.

Rimwe zano rinoshandiswa nevaponesi rine gadzira homwe yekuchengetedza kwemakore mashoma anotevera, zvisinei nekuti zvavo zvinoratidzei. Nenzira iyi, vanochengetedza mari diki gore rega. Uye izvo zvakapihwa mamiriro azvino ezvinhu emabhangi makuru zvigadzirwa (dhipoziti, mapepa ekuvimbisa, zvisungo, nezvimwewo), ndiyo sosi yakakosha kwazvo yemubatsiro yavanayo panguva ino.

Yakagadziriswa zvigadzirwa zvemari, uye semhedzisiro yemari yakachipa neEuropean Central Bank (ECB), haichabatsiri zvakadaro. Kwete pasina, mashandiro ayo ari kuenda kuburikidza neimwe yenguva dzakaipisisa mumakore apfuura, pazasi pe1% chipingamupinyi. Ipo kuburikidza nemadigidhi chikamu che5% chinogona kuwanikwa nyore.

Takatarisana nemamiriro ezvinhu aya anoratidzwa, kune vazhinji vanoita zvechivanhu avo, vari kuiswa muzvigadzirwa zvemabhangi zvakagadzirirwa kuchengetedza, vakachinja kufarira kwavo kumakambani anovandudza mari idzi. Uye kuti iwe unogona kutoita kuti mashandiro abatsire kuburikidza nekunyorwa kwawo mumisika yemari, sekureba sekushanduka kwayo kuchikuperekedza.

Makambani aya anogovera zvakadii?

Gore richangotanga rinouya nechingwa chiri pasi peruoko rwevashandi, sezvo makambani akawedzera mubhadharo wevashandi vavo neinenge 2%. Chii chimwe, Nhengo dzinoverengeka dzeIbex-35 dzichapa goho remugovano rinopfuura 5% pamwedzi gumi nemiviri inotevera: Enagás, Telefónica, Iberdrola, Red Eléctrica, EBME neRapsol, pakati pezvakanyanya kukosha.

Chikamu chemagetsi chichaenderera mberi kuva chimwe chevane rupo zvikuru nevane masheya muna 2016. Kukuvadza chikamu chemabhangi, icho chakaona uyu mubairo uchiderera mumakore apfuura, nekuda kwekugadzirisa kwavakaita kuita kuchenesa chirevo chemari.

Kana chinangwa chako chiri chekusarudza iyi yekudyara modhi, zvinopihwa hazvizoshaikwa mumwedzi iri kuuya, zvirokwazvo. Karenda yaro izere nezvirongwa zvine hunhu uhu, uye izvo zvinofamba neinodzoka kushoma kubva ku1%, uye nechinangwa chakakwira kusvika pamasere masere. Kunyange Iwe haufanire kuzvikwanisa wega kumakambani emunyika, asi unogona kuenda kunze kwemiganhu yedu kuti uwane mikana mune iri boka remasheya, ane zvakaenzana zvine rupo zvinodzoka, kunyanya izvo zvinobva kune yekare kondinendi equities.

Nekudaro, kana iwe uchida kusarudza nzira yekudyara mune zvikwereti zviripo, unofanira kugara uchifunga nezvomutero mutsva wakashandiswa muSpain kubvira 2015. Uye izvo chaizvo zvisingafarire zvaunofarira, wabvisa kuregererwa kwemazana gumi nemashanu euros akaunganidzwa mugove.

Izvi mukuita zvinoreva kuti mune yako inotevera Revenue Statement iwe unofanirwa kubhadhara kubva kune yekutanga euro iwe yaunopinda iyi pfungwa. Kubva pane ino maonero, iwe unofanirwa kuongorora kuti unofarira here kuvahaya kana kwete, uye sarudzo yaani inoenderana nezvimwe zvinowaniswa zvaunopinda mugwaro remutero: zvinobviswa, mari inogadzirwa, equity, nezvimwe.

Mamwe matipi ekuyera yako yekuhaya

Sarudzo yekupedzisira yekuti unofanirwa kunyorera kukirasi yekuchengetedzeka inoenderana newe chete, kwete kune mumwe munhu. Kutanga, iwe unofanirwa kuongorora chimiro chako se saver, kutaridzika kwaunoda kupa kune ako ekudyara, uye kunyanya kunyanya izwi rauri kunongedza: rakadzika, riri pakati kana rakakwirira. Uye zvichibva pane akasiyana aya, sarudza pane yakanakisa modhi yekudyara. Uye zvingave izvi. Kunyangwe uchigara uchifunga mundangariro zvinotevera zvinotevera

1. Kana iwe uri investor ane mashoma kwazvo mazwi ehupenyu, zvichave zvirinani kusiya aya mashandiro, kubvira kuti uve unobatsira iwe uchafanirwa kuve navo mune yako portfolio kwemakore akati wandei.
2. Kana iwe ukaongorora, kana chikamu chave kugoverwa, kuti masheya adzokera kumitengo yavo yekare, inogona kunge iri nguva yekuti iwe uvhare zvinzvimbo, kutora mibairo yemugovano kune yako yekutarisa account.
3. Kuburikidza neiri zano rakakosha unogona kuita mari yakatarwa gore rega, iyo inowirirana neaya iwe aunogara uchiita mwedzi wega, uye izvo zvinogona kukufarira iwe kunyange kukupa iwe zvishoma whim.
4. Kana iwe ukasarudza iyo inoshanduka mibairo iyo mamwe makambani anopa, iwe unenge uinewo mukana wekudzoreredza mari iyi mukambani, kuburikidza nezviito zvitsva. Naiyo, iyo kudzoka pane yako investa ichave yakakwira.
5. Vazhinji vanofungidzira mari, kunyangwe Vanogona kutora mukana wekuwedzera kwemutengo wavo mumavhiki pasati pagoverwa chikamu, vachivhara nzvimbo dzavo nemari inowanikwa, asi zvine musoro vasingagashiri uyu muripo.
6. Izvo zvinotarisirwa zvekukura zvichaenda zvakazvimiririra nekupihwa uyu muripo, uye pamwe kambani isingashandisi mutemo uyu wekubhadhara, iri muchimiro chiri nani chekuenda kumakota akakwirira muquotation, uye nekudaro, inobatsira zvakanyanya kune zvaunofarira.
7. Uye ikozvino iwe unongofanirwa kusarudza kubva pane yakakura uye dzakasiyana kupa kunopihwa nemakambani akanyorwa pamisika yemakero, zvese epasirese nekune dzimwe nyika. Nezvirongwa zvemarudzi ese, maererano nemashandiro avo uye nguva yekubhadhara kwavo.