Mukati memakambani, chikamu chebhengi ndechimwe chezvakakosha, uye zvine simba, zvine huremu chaihwo mumakesi makuru emusika wemasheya ane kukosha kwakakosha. Iyo ine yakakosha kwazvo kuvepo mune ese equity misika, kusvika padanho rekuti rakanyanya kuoma kusatarisa pamitengo yavo kuti vagadzire yakaenzana uye akasiyana mapato ekudyara. Hazvishamise kuti chikamu chakanaka chehunhu hwakanakisa ndechepasi rino.
Kukanganisa kwayo pamusika wemasheya weSpanish kunotonyanya kusarudza kupfuura mune mamwe maindekisi munzvimbo yayo. Kurema kwayo kwakanyanya kunonyanya kukosha, pamwe nekuvapo kwehuwandu hwakawanda hwezvinhu zvemari zvakanyorwa pamusika wemasheya. Uye kuti ivo havawanzo kuve vasina hanya nesarudzo dzako kuvhura zvinzvimbo mumisika yemari. Iwe uchave wakanyatso kuzviita kanopfuura kamwe munhoroondo yako semudyari mudiki.
Mikana yekutenga iyo yakavhurika kwauri mumusika unoenderera weSpanish wakakura kwazvo, kupfuura mumimwe misika yemasheya. Ndosaka zvisingashamisi kuti shanduko yebenchmark yenyika, Ibex 35, zvinoenderana zvakanyanya nemaitiro emabhangi mumisika. Kana vakakwira nemitengo yavo, pachave nemikana yakawanda iyo Ibex ichazviita nesimba rimwe chete, uye zvinopesana.
Ndeapi mabhangi akabatanidzwa?
Kuvapo kwemusika wemasheya muSpanish equities kunopfuura kukosha. Une mamodheru emabhizimusi akati wandei ekuti kuchengetedza kwako kubatsire. Kubva kumapoka makuru emabhangi (BBVA, Santander neCaixbank), kune vamiririri vemabhanga ari pakati nepakati (Bankinter uye Yakakurumbira, kunyanya). Pasina kukanganwa - hongu - nhengo dzebhangi diki, zvakare vane nzvimbo mumisika, uye iwe unogona kuisa mari inowanikwa yauinayo panguva iyoyo.
Iwo anowanzo ari makuru-cap makambani, achifambisa akawanda masheya mune yega yega yekutengesa chikamu. Hazvishamisi kuti aya akanakisa emvura, uye mune chero mamiriro ari pamusoro pevamiriri vemamwe mapato. Iwe hauzozozviwana uchinge wakabatirirwa pazvinzvimbo zvako, uye zviri nyore kupinda nekubuda munzvimbo dzavo. Humwe hunhu hunotsigira mukana uyu wekudyara mari yako unobva pachikamu chakakwirira chavanobhadhara ivo vagovana navo, uye kuti ine avhareji purofiti yakatenderedza 5%. Yakakwirira kupfuura iyo inopihwa nezvakakura zvigadzirwa zvekuchengetedza (zvinyorwa zvevimbiso, nguva yekuisa, zvisungo zvekutonga, nezvimwewo).
Yakanaka chikamu chemubhadharo
Zvizhinji zve mabanki izvo zvakanyorwa pane stock stock zvinopa mubhadharo kune vagovana veiyi pfungwa. Kazhinji inoitwa kana pagorendokuti, makota matatu. Kusiyana nemamwe makambani mune mamwe matunhu anoita kubhadhara uku kamwe kana kaviri pagore. Mupfungwa iyi, mabhanga makuru ndiwo ane rupo zvakanyanya kana zvasvika pakuita mutemo uyu wemubhadharo, kunyangwe hazvo kuti mumakore achangopfuura avo emicheto mibairo anga arimo, uye akatoderera.
Chimwe chezvinhu zvitsva zvezvikwereti izvi zvenguva dzose kubva kubhangi chikamu ndechekuti zvinowanzo goneswa pasi pehunhu hwe Zvikamu zvinochinjika. Iko kwaunozove iwe wekusarudza, kana iwe uchida kuunganidza iko zvakananga uye kuti iyo mari inoenda kune yako yekutarisa account. Kana pane zvinopesana, zvibatanidze mukudyara kwako nekutenga akawanda masheya. Mupfungwa iyi, bhangi reSpain rave piyona mukuvandudza iyi yakasarudzika nzira yekudyara yakashandiswa kune zvikamu.
Kubudikidza nezano iri raunopihwa nemabhangi, unogona kugadzira mari yakatarwa mukati memusiyano, uye zvisinei nekuti iwo masheya ari kudhura sei Nezvauchange uine hunovimbiswa uye hwakagadziriswa kuita gore rega. Izvo zvichafamba mumatanho anoenda kubva ku3% kusvika ku6%. Uye izvo et zvinoshandira kubhadharisa zvidiki zvidiki zveakaunzi, kana zvakananga kukupa iwe isinganzwisisike whim.
Kusagadzikana kwenzvimbo yemabhengi
Chero zvazvingaitika, yakave imwe yenjodzi bhizinesi niches mumakore apfuura. Izvo zvinonyanya kukosha nekuda kwematambudziko akakomba ari kubhangi system iri kuenda panguva ino. Dambudziko rehupfumi rakatungamira mukuburitswa kukuru kweiyi tsika, uye izvo zvakave nazvo mu ichangopfuura Brexit, kuenda kweGreat Britain kubva kumasangano enharaunda, yekupedzisira exponent. Izvo zvinofanirwa kuyeukwa kuti kuderera mukirasi ino yemitengo kwakaziviswa zvakanyanya kupfuura mune mamwe matunhu. Nekuwanda kwekudonha kwakapfuura iyo 5% barriers.
Nezvikonzero izvi, hazvishamise kuti vapindiri vezvemari vanonyanya kukosha havana mabhanga pakati pemazano avo makuru. Ivo vakatosarudza kuvaremera pasi pavanotora chinzvimbo mubhengi chikamu. Izvo zvakaringana kurangarira kuti Banco Santander parizvino iri kutengesa kwemadhora anodarika matatu, apo mwedzi mishoma yapfuura yaive madhora matanhatu pamugove.
Uye kunyangwe paine mamwe matambudziko mumitsara yayo yebhizinesi, senge mune chaiyo kesi yeBanco Yakakurumbira, iyo yaifanirwa kuita a capital kuwedzera. Uye izvo zvakatungamira kumutengo wemasheya ayo ave kuderera nenzira ine mukurumbira, uye izvozvi varipedyo chaizvo neuro per share barrier. Idzi hadzisi nguva dzakanyarara dzekudyara mumabhangi, uye chete mukana wekutora mukana wekudzokeresa kwavo kunopa kumwe kuenderana kwekufamba muzvikwereti.
Nekufamba kwakanyanya
Kusvikira makore mashoma apfuura, mabhanga eSpain aionekwa nekuti aive akatsiga tsika, aine musiyano unonyanya kukosheswa pakati pemitengo yavo yepamusoro uye yepasi muchikamu chimwe chete chekutengesa. Kupa kugadzikana kune yekudyara portfolio inoitwa nevadiki nepakati varimi. Iyi tsika yapera, uye ikozvino zvakajairika kuona kusagadzikana kukuru mumitengo yavo, pamusoro peyakajairwa.
Mitengo yavo pavanongopfura, sezuva rinotevera vanoratidza kupora kwakanyanya. Hava chengetedze kugadzikana, asi ivo vari pamubhadharo wekufamba kwemisika yemari, uye nei zvisingaiti, yedhata pane hupfumi hweSpain, uye nekuwedzera hupfumi hwenyika. Iwe unogona kuwana mari yakawanda, asi zvakare kurasikirwa nechikamu cheyeti iyo iwe yawakaisa mari.
Izvo zvakakwana kuti uongorore mafambiro azvino uno muchikamu kuti uone kuti mashandiro avo angave asina kubatsira sei kune zvako zvaunofarira. Mazhinji emabhangi ikozvino akosha hafu yezvavaive gore kana maviri apfuura. Uye izvo mukuita zvinoreva kuti ivo vakadzikira neinenge 50%. Kubva pane ino mamiriro ese, ino haisi nguva yakanaka yekuvhura zvinzvimbo muchikamu chino zvakafumurwa kukura kwehupfumi.
Uye izvo zvinotova pakubhadhara kufamba kwemakambani pakati pemasangano emari. Uye kuti ivo vane mukurumbira wavo mukuru muOPP. Aya ndiwo mashandiro aunogona kuwana yakanakisa mari kuwana, asi panguva imwechete kurasikirwa kwakanyanya kana iwe usingazive mafambisiro enguva. Uye ivo chete ndivo vane ruzivo rwevatengesi mumisika vanoshandisa zvakanakisa zvinzvimbo zvavo. Uye semhedzisiro yezviitiko zvese izvi, yakakura nzvimbo inogadzirwa mukubvumirana kwechengetedzo dzebhangi.
Ivo vakatorwa pamitengo yakaoma kwazvo
Izvo zvichangodonha mumitengo yemabhangi zvakonzera kuti zvive zvinonakidza kuzviisa mune imwe yeiyi tsika. Asi ine nguva yepakati nepakati yekugara zvachose, haimboitwi nezve pfupi uye yekufungidzira mashandiro. Kubva pane ino maonero, iwo unogona kuve mukana iwe waunofanirwa kuwedzera yako mari. Uye neuyo wekuwedzera mukana wekuti iwe uchave uine yakawanda mari semhedzisiro yekuunganidza mibairo gore rega.
Iwe uri mune mashoma nguva mukukosheswa kwemakambani aya mune imwe yeiyo akadzika zvikamu zveiyo kutenderera. Iwe unogona kutora mukana wechiitiko ichi, uchiziva kuti ivo vanogona kuramba vachiderera zvakanyanya mumisika yezvemari. Zvirinani kusvikira kusahadzika kunotambudza chikamu chebhengi mukati megore rino kwanyatso kusunungurwa.
Uye kana iwe usiri kuda kuzviisa panjodzi dzayo zvakananga, iwe uchagara uine zviwanikwa zve sarudza kuenzana mutual mari, kunyangwe yakavhenganiswa, izvo zvinokubatsira kudzikisa kurasikirwa kunogoneka kunogadzirwa nenzvimbo dzako. Kusvika padanho rekuti iwe unogona kusiyanisa mari nekudyara neimwe mari yemari, kubva pane zvese zvakagadziriswa uye zvinoshanduka mari.
Uye kune mamwe profiles anochengetedza, sezvingave zviri kwauri, mhinduro inogona kumiririrwa ne izwi dhipoziti rakabatana neSpanish equities, uye mune zviitiko zvakare zvepasi rose. Hapana chaungarasikirwe nemari, nekuti unenge uine yakagadziriswa yakadzoserwa yekudzoka, kunyangwe mune zvese zviitiko ichave iri diki kwazvo. Kubva pamipiro inodhura kwazvo kumhuri dzese.
Isu rekudyara
Kubva ikozvino zvichienda mberi, zvishuwo zvako zvinofanirwa kuve zvinoitirwa kupa yako portfolio yekudyara kugadzikana kukuru. Uye panguva ino hazviitike kutenga zviito zvebhengi chikamu. Iwe hauzove neimwe sarudzo kunze kwekumirira ivo kuti vauye gadzira zvidimbu zvakakura mumutengo wayo uye iwe unogona kuvhura zvinzvimbo pasi peinonakidza kwazvo uye makwikwi ratios kuti kufamba kwacho kubatsire.
Kuchenjera nekutarisa ndizvo zvichave zvakajairika izvo zviito zvako mumatanho zvinofanirwa kutungamirwa, uye kunyanya muchikamu chino, chiri kubhengi. Uye zvechokwadi, iwe uchafanirwa kumirira kusahadzika kunouya kubva kune iripo mamiriro ezvehupfumi, uye pamwe kunyangwe vezvematongerwo enyika, kuti vabvise. Rinenge riri rairo rakanakisa kuitira kuti budiriro itungamire pamusoro pemafambiro ako ese. Uye iwe unogona kunge uine mamwe matunhu anonyanya kufarira zvaunofarira panguva ino. Iwe hauzove nesarudzo kunze kwekungopedza zvese zvinobvira, uye wosarudza zvinokukodzera zvakanyanya mune yega yemamiriro ezvinhu.