Sarudzo yeEuropean Central Bank (ECB) kudzikisa mutengo wemari nekuisiya pa0% yakonzera kuyerera kwekuchengetedza inotamiswa kubva kumadhipoini kuenda kumari yekudyara. Ndiyo imwe yezano iro varimi vanofanira kuita kuti zvinhu zvavo zvibatsire. Semhedzisiro yemaitiro aya munyika yemari, zvigadzirwa zvitsva zviri kubuda kuti uvandudze mibairo yako yemubhadharo. Mupfungwa iyi, imwe yemhando nyowani ndeye index index.
Icho chigadzirwa chinosungirirwa kune zviyero chete, asi pasi pemamiriro akakosha uye akaomarara. Chikumbiro chayo chikuru ndechekuti inonyatsodzokorora maitiro eiyo index index, chero chingave chiri. Inogona kuve iyo Ibex 35, Dax, CAC 40, FTSE 100 kana chero imwe yemisika yepasi rose. Mupiro mukuru weiyi indexed yekudyara modhi ndeyekuti inotora kukwira kumwe chete kana kudonha kweiyo kondirakiti yakabata. Pasina chero musiyano, sezvazviri neyakajairika equity mari yekudyara. Hazvishamisi kuti izvi zvinowanzo kuratidza kutsauka kudiki kubva kune yavo refa pfuma. Zvichida nekuti ivo vanovhurika kune mamwe marudzi emari, kana nekuti yavo muzana haisi iyo chaiyoiyo.
Nenzira iyi, kana, semuenzaniso, iyo yakasarudzika mareferensi indekisi yeSpanish stock market inomuka ne2%, iyo index fund yaizotora imwechete muzana Kana zvimwe kana zvishoma, 2%. Ipo iri muchiitiko chemari yekudyara zvichibva pane iyi indekisi, vaigona kufungidzira uyu mhedzisiro, asi vasina kuendesa iwo manhamba akafanana. Uyu ndiwo musiyano mukuru uyo chigadzirwa chemari chinopa kune masevha Mupiro waro wechokwadi ndewokuti unozvibata sekunge mari yakachengetwa yakaiswa yakananga muhomwe. Pasina vamiriri vemari senge mune vamwe vese Investment funds.
Dzokorora shanduko yeindekisi
Mazhinji mabhenefiti ayo marondedzero anogadzira kune vashoma varimari. Vokutanga vavo kuziva nguva dzose kuti mari yavo yekudyara iri kuchinja sei. Zvakare, ivo havatarisi nezvimwe zvinhu zvemari. Nebhizimusi rekuwedzera ravanogona kusarudza pamusika wezvemari inonyanya kukodzera nguva dzose zvichibva paprofile yako. Nemamiriro ezvinhu ega ekusarudza imwechete stock index. Izvo hazvina kuvakirwa pamasheya kana ekuenzana zvikamu zvinogona kupa mufananidzo wakatsauka wekuti chii chaicho hunhu hwemasheya.
Mumwe mupiro weiyi yakasarudzika yekudyara modhi ndeyekuti inowanzo kuve nemakomisheni ayo manejimendi uye kugadzirisa. zvakanyanya kukwikwidza kupfuura kuburikidza nezvimwe zvigadzirwa zvine zvakafanana maitiro. Kusvika padanho rekuti kuchengetedza zvine chekuita neyekare mari yekudyara mari inogona kusvika 1% kune iyi pfungwa. Pasina kuburitsa chero mari yekuwedzera panguva yekuhaya iyo, kana pakupera kwayo.
Kukanganisa pakubhadhara
Nekudaro, haazi ese mabhenefiti mukuhaya kwako. Ivo vanopa mamwe mumvuri izvo zviri nyore kuti vazviongorore vasati vazvigadza. Iyo kuvapo kushoma kwezvinhu izvi mukutenga kwemabhangi ndiyo huru. Semhedzisiro yemamiriro ezvinhu aya, vanochengetedza kazhinji vanofanirwa kuenda kumaneja ekudyara ayo anayo mumapotifoliyo avo. Rimwe dambudziko rinogona kuwanikwa nderekuti havana dhairekitori inodiwa, uye mutengi anofanira kunyorera imwe yavasina kutanga. Huzhinji mukupa kwayo haisiriyo chaiyo yehunonyanya kutaurwa hunhu.
Izvo hazviitike sekutenga uye kutengeswa kwemasheya mumusika wemasheya, umo hunhu huri nani (kana hwakaipa) kupfuura hunogona kugadzirwa mumusika. Mune yakanyorwa izvi hazvigoneke neimwe nzira. Vachawana kana kurasikirwa nemari zvakananga nekushanduka kwemisika yemari. Iwe zvakare unofanirwa kuve wakangwarira kwazvo paunenge uchizvisimbisa, nekuti mune dzimwe nguva vanopa yakaderera nguva yekugara. Izvi zvinoreva kuti chengetedzo yacho haigone kuwanikwa kwenguva. Kusangana nemari yemunhu anoisa mari: chikoro chevana, mitero yemitero kana chero chikwereti kune vechitatu mapato. Hazvibvumidzwe zvishoma kana zvachose kuregererwa., sezvo kune rimwe divi zvinoitika neyakajairika mari yekudyara.
Inoratidzwa kune njodzi hombe
Sezvo izvo zvisina kubatana kune zvimwe zvemari midziyo, zvinodzivirirwa kubva pakubata nenguva dzekusagadzikana kukuru mumisika yemari. Semhedzisiro yeiyi yakasarudzika indekisi, vatengesi vakatora zvinzvimbo vari zvimwe zvisina kudzivirirwa pamberi pezviitiko zve bearish zvemusika wekutengesa, kudonha kukuru kana kupunzika mumisika. Nekuda kweizvi, hazvina kukodzera kuvanyorera kumatemu akawandisa ekugara. Asi pane zvinopesana, kutora mukana wekuwedzera nguva dzekuenzana.
Ivo vanoumba imwe yeaya marongero ekubatanidza mune yekungotungamira manejimendi. Chinangwa chayo chete ndechekudzokorora chinhu chemari, mune ino kesi kuburikidza neiyo chaiyo stock index. Iko indekisi mari ndeimwe yevanomiririra yepamusoro yeimwe nzira yekudyara mari. Hazvisi nani kana kushatisa kupfuura dzimwe sarudzo, asi zvinoenderana neprofile iyo inounzwa nemusimari nguva dzose. Iwe uchafanirwa kusarudza kana uchienda kune iyo inoshanda kana yekungotungamira manejimendi. Chero zvazvingaitika, ivo havazovimbiswe nekudzoka kupi nekupi pane mari yakadyarwa. Kunyanya, mukati megore rino, iyo Ibex 35 index fund ine yakarasika zvakafanana neiyi indekisi yakawanda yemusika weSpanish wemusika.
Makiyi gumi ekusarudza indexed
Ehezve, muvhareji investor ane zvikonzero zvakawanda zvekusarudza ichi chemari chigadzirwa semhare mune yavo nzira yekudyara. Zvimwe zvekumanikidza kukuru, uye zvimwe zvakavhurika kune nharo huru. Chero zvazvingaitika, zvirevo zvinosarudzira kirasi iyi yemari zvinotsigirwa neanotevera maonero atinopa pazasi. Iwe unofanirwa kuvatora mukutarisisa kubva zvino zvichienda mberi.
- Iyo yemhando yekudyara iri most innovative uye inoedza kuenderana nezvinodiwa zvitsva zvevashambadzi vadiki nepakati. Pasi pemhando dzakasiyana dzekuhaya nzira. Zvese zviri muchimiro uye muchimiro.
- Yayo yekudyara modhi, kunyangwe ichitevera imwe yepamberi mutsara wekuita, inotanga kubva kune yakasarudzika nzvimbo mune kwayo kugadzirira. Tora mamiriro acho mu equities musimba rayo rese. Zvese mune imwe pfungwa uye imwe. Zvakareruka sekudaro.
- Hazvibvumiri kufungidzira, kana kufamba zvisina kujairika maitiro eiyo misika yemari inoenderana nezvigadzirwa zvemari izvi. Ivo vakatendeka vanoratidza chimiro chemasheya echikamu chega chega.
- Ivo havabvume chero kutsauka pamasheya indices, kubvira iwo chaiwo uye akasarudzika pikicha pane zvakatorwa yeaya ma indices. Ehe, zvakanyanyisa kupfuura kuyenzana-kwakavakirwa mutual mari iyo inotengeswa pasi petsika dzetsika.
- Mune rudzi urwu rwekudyara, hauzarure nzvimbo munzvimbo imwe kukosha kana imwe. Asi pane zvinopesana, iwe unofunga kuisa mari yako muboka remusika wemasheya kubva kunzvimbo dzakasiyana dzenyika dzenyika. Kunyangwe zvisiri zvese zviripo mubhangi rako kana mubatsiri wezvemari.
- Iwe haugadzikane zvakanyanya mukudyara kwako, asi zvirinani kuti iwe uchazoziva nguva dzese kuti ndeipi mari yemari inochengeterwa mari yako. Uine nyore uye nyore kuteedzera. Pamusoro pemamwe akaomesesa mamodheru ekuchengetedza kupfuura aya.
- La Spanish bhegi inovharwa zvakanaka neiyi mari dzekudyidzana. Hazvishamisi kuti makambani mazhinji manejimendi akafunga kugadzira mafomati ane hunhu hwakakosha. Mamwe acho anowanikwa kumasangano emari pachawo kuti azvishambadzire kune avo vakuru vatengi.
- Ivo havafungi iwe hapana mari yekuwedzera yemari. Asi, ivo vanozoda iwo mamwe makomisheni uye manejimendi mari senge mune mamwe mamodheru ekuchengetedza anomiririrwa nemari yekudyara zvichibva pamisika yemari
- Izvo zviri nyore kunzwisisa kupfuura zvimwe zvese. Kusvika padanho rekuti iwe unofanirwa chete ziva zvakataurwa yemasheya indices kuratidza kuti ndedzipi chaiko shanduko yemasevha ako. Mumaminetsi mashoma iwe uchazviziva uye kunyangwe nekutsauka kudiki mumitengo yavo.
- Izvo hazvingasanganisiri iwe kutora njodzi dzakakura. Zvichava zvakafanana nekumwe mari yekudyara. Nezve misika yemari. Yakavimbika, kune rumwe rutivi, chero mhando yeprofile iwe yaunokudziridza seavhareji investor. Kubva kune vane hasha kusvika kune vanochengetedza zvakanyanya.
Vamwe kusahadzika kuti rinopa
Kune zvekare kwakateedzana kusahadzika kuti izvi zvigadzirwa zvemari zvinogara. Ivo vakaenzana zvakakosha kuti iwe utarise kana zvichinyatsoenderana zvaunotarisira semushandisi mukirasi ino yemamodeli emari. Kubva pane zvinotevera pfungwa.
- Ivo havana kunyatso kuiswa mubhangi chikamu. Iine iyo kusavapo kwevakawanda vavo. Kusvika pakuti zvinogona kutora iwe nguva yakareba kuti uzviwane nemamiriro aya. Iko kupihwa, nekudaro, kwakadzikira zvakanyanya maererano nezano zvaro.
- Iwo mari yeiyo nhoroondo ye akanyatso tsanangurwa mutengi. Iwe unoziva zvaunoda uye iwe unoda kusiyanisa mari dzako mune chero zviitiko zvinogona kumuka kubva pakutanga.
- Nepo ivo vari zvakawanda nyore kunzwisisa, avo mamodheru anogona kunge asingazivikanwe pakati pevashambadzi vadiki nepakati. Nemafomati ayo akafanana zvakanyanya kune avo asingabatsire kuratidza misiyano inooneka pakati pavo.
- Izvozvi, kugoverwa kwemari yemari kuri kushomeka. Nemamwe matambudziko kuitira kuti iwe ugone kuvashandira kubva zvino zvichienda mberi. Hazvishamise kuti kushambadzira kwayo hakuna kusimba senge mune zvigadzirwa zvemunyika.