Muchirevo chekusava nechokwadi kwakanyanya, uye nekushomeka kwakanyanya mumisika, mari yekudyara yakawana kugadziriswa kwehuwandu hwezvinhu mumavhiki matatu ekutanga aKurume. 26.800 mamiriyoni emamiriyoni, kunyanya nekuda kwekudzikiswa kwemapotifoliyo nekuda kwekukanganisa musika (81% yeiyoyese kudzikiswa kwemari), uye chete 19% (5.100 mamirioni) anga achikonzerwa nekubhadharwa kwemambure, sezvakaratidzwa neAssociation of Institutions of Collective Investment nePension. Mari (Inverco). Iri vhoriyamu rekudzoreredzwa, kuve rakakodzera, harisi repamusoro soro munhoroondo dzakateedzana nekuti rakave rakakwirira pane nhanhatu dzakapfuura zviitiko.
Iko iko kwepfupi-kwenguva divestment zano rakavakirwa pamanzwiro kwete pane epakati-temu zvinangwa, ichiwedzera mukana wekukanganisa uye inowedzera mukana wekurasikirwa. Hazvishamise kuti, nekukurumidza-pfupi-pfupi divestment sarudzo dzinounza yakarasika mhindu mikana kune vagovana. Imwe mhedziso inogona kutorwa kubva mukutengeswa kwenzvimbo mune ichi chemari chigadzirwa ndechekuti kune avo vakachengeta zvigaro zvavo mumari nechinangwa chepakati kana chenguva refu yekudyara, kurasikirwa kwekupedzisira kwakazoshandurwa kuve purofiti; uye kune avo vakaita kunyorera kutsva panguva iyoyo, purofiti inotevera yakazogadzirwa.
Kune rimwe divi, zvakafanira kukurudzira, semusika wemasheya, kuti haisi nguva yekutengesa nzvimbo dzakavhurika muhomwe yekudyara. Nekuti Nguva yaenda uye isu tichaita iko kuvhiya mune yakaderera chikamu mumutengo wekuchengetedzeka kwayo. Nechokwadi chese icho nekurasikirwa kwekukosha kwayo mumisika yemari. Izvi ndezvechokwadi kune ese akasarudzika uye akasiyana mari kana kunyange mamwe mamodheru Kusvika padanho rekuti zviri nyore kwazvo kuti iro ruzivo rwebatsiro runofanira kuongororwa nevatori vechikamu zvakasiyana, zvichienderana nenguva iyo yavakanyorera mari yeinvestment uye purofiti iyo yavakaunganidza uye vachifunga nezve yavo yekudyara.
Tengesa mari: ino haisi nguva yacho
Haisiriyo nguva yakanakisa kana yakanakisa yekuita chiito ichi kubva mari yekudyara, sezvavakaita mumamiriro ezvinhu akafanana emamusika kana akaipisisa. kuita nyore kune vatori vechikamu vanozvida, asiwo mikana inobatsira kune vamwe. Semhedzisiro yeizvi, kune zvimwe zvatinogona kurasikirwa pane kuwana uye nekudaro tinofanira kuita zvine hungwaru tisati taita sarudzo, neimwe nzira kana imwe. Mupfungwa iyi, zvakanyanyisa kuchenjera kumirira kusvika kupera kwegore uye kutarisa mamiriro chaiwo emari yedu. Kuti tiongorore purofiti yavo uye tione kana zviri nyore kwatiri kuchinjisa kune imwe mari yekudyara.
Kana mukupedzisira sarudzo yatichazotora ndeyekuendesa kune imwe mari yekudyara, isu tinofanirwa kungwarira nemari yakatarwa yemari sezvo kudzoka kwavo kuchinonoka kupfuura mamwe mafomati. Kusvika padanho rekuti zvichatoda isu zvakanyanya kuti titore mari yakaiswa mugore rino. Kune rimwe divi, isu tinofanirwa zvakare kuongorora zvakanakira izvo chokwadi chekuitisa shanduko chinotipa kubva pamutero maonero. Hazvishamisi kuti iwo mashandiro asingakanganise account yedu yekuchengetedza sezvo iwo mafambiro asingabhadharwe chero rudzi rwekubhadhara uye anogona kutibatsira isu munzira dzekudyara dzatichaita kubva zvino zvichienda mberi. Kusiyana nemubhadharo unozove nechirango che19% kuitira kuti mari yekupedzisira yemari ive yakanaka kubva pakutanga.
Makiyi mune portfolio yemari
Tinofanira kudzidza kubva pane zvakapfuura, uye neiyi pfungwa zvakaitika muchiitiko ichi zvinofanirwa kutibatsira kuti tisakanganisa zvakafanana nezvazvino kusvika zvino. Imwe yemapapiro yekusangana nechinangwa ichi chavanoshuvira ndeyekusiyanisa portfolio yemari inowirirana. Hatimboneta kudzokorora iyo imwe yeakanakisa nzira dzeku chengetedza mari yedu Izvo zvinobva mukusiyana-siyana muzvigadzirwa izvi zvine chinangwa chekuchengetedza wega. Hatifanire kuisa mari yese mudengu rimwe chete. Kana zvisiri, pane kudaro, isu tinofanirwa kuigovera mune akati wandei uye nemhando dzakasiyana. Saka kuti nenzira iyi tinokwanisa kunyatso pfuura mamiriro ezvinhu seaya atiri kusangana nawo panguva ino, uye kunyangwe kana chiri chiitiko chakasiyana.
Kune rimwe divi, mari yemari isingatombofaniri kushayikwa muhomwe yemari yekudyara ndeye inosanganiswa nemisika yemasheya. Kunyanya mushure mekudonha kunoshamisa mumutengo wezvikamu zvemakambani akanyorwa. Kusvika pakumiririra chokwadi mabhizimusi mikana nekuda kwekukoshesa kwavanova nako mumisika yemari. Zvese zviri zviviri nezvekutenga uye kutengeswa kwemasheya pamusika wemasheya uye mari yekudyara pachavo. Iine mukana wekuongorora zvakare unofungidzirwa zvakanyanya nekuda kwekudzika kwayo uye izvo zvinogona kutibatsira kuvandudza purofiti yezvigadzirwa zvemari izvi kubva zvino zvichienda mberi. Pamusoro pemamiriro ezvinhu epasirose mari yakatarwa.
Kugovana zvakaenzana
Izvo zvisingaitwe kutora mari dzakasiyana dzekudyara dzakasiyana siyana. Izvo hazviite chero pfungwa sezvo chinhu chega chinofarirwa ndechekusimudzira uye tsvaga mudambudziko rakafanana. Kunyangwe paine chokwadi chekuti iko kukanganisa kuti vazhinji vadiki nepakati varimimari vanowanzo gadzira neakawanda frequency, kunyanya avo vane ruzivo rushoma murudzi urwu rwekudyara. Beyond hunhu hwavanogona kuburitsa mumakore anotevera. Kana zvisiri, pane kudaro, zvakafanira kuenda kumari inogona kubatsirana uye kunyangwe neimwe nzira ichikanganisa yavo yakaipa mhedzisiro maererano nekuita purofiti. Kwete chete maererano neakasarudzwa emari midziyo, asiwo munzvimbo dzenharaunda kwavanotarisa.
Nepo kune rimwe divi, zvisina kukosha zvakadaro inyaya yekuti isu tinofanirwa kungwarira kupfuura nakare kose nezve kudzikiswa kana kumiswa kwemadividho muchikamu chikuru chemari yekudyara. Mupfungwa iyi, hazvigone kukanganwika kuti isu tiri panguva apo varimi varikufunga kuti vachazotora here chikamu chavo nekuda kwe kukanganisa kwekumiswa uye kudzikiswa yemari yemari inoita uyu mubairo kune vagovana. Zvese zvine chekuita neavo vanobva kumari uye mari yakatarwa. Iwe unofanirwa kubhadhara zvakanyanya kutarisisa kwavo mhando uye kuti ivo vanogoneswa nenzira yakanyatsoshanda nzira uye vanogona kuchinjiswa kune ese mamiriro mune misika yemari, kunyangwe yakashata zvakanyanya. Tichafanirwa kumirira kusvika kupera kwegore uye titarise kuti yakamira sei mari uye nekudaro chinangwa ndechekuona kana zviri nyore kwatiri kuti tiende kune imwe mari yekudyara.
Nhaurwa dzemusika wekutengesa dzakakwira
Iyo yeSpanish misika yemusika yakatengeswa muzvikwereti 55.468 XNUMX mamirioni euros munaKurume, 59,9% kupfuura iwo iwo mwedzi wegore rapfuura uye 46,4% kupfuura muna Kukadzi. Huwandu hwekutaurirana munaKurume hwaive 7,61 mamirioni, 142,3% kupfuura munaKurume 2019 uye 82,9% kupfuura mwedzi wapfuura. Muna Kurume, BME yakasvika pamusika mugove mukutengesa kweSpanish kuchengetedzwa kwe72,39%. Ivhareji renji munaKurume yaive 14,96 hwaro poindi padanho rekutanga remutengo (16% zvirinani pane inotevera yekutengesa nzvimbo) uye 21,43 hwaro mapoinzi nekudzika kwemakumi maviri nemakumi mashanu emamiriyoni mubhuku reodha (25.000, 26,1% zvirinani).
Aya manhamba anosanganisira kutengeserana kunoitwa munzvimbo dzekutengesa, zvese zviri pachena bhuku rekuti (LIT), kusanganisira maokisheni, uye iyo isiri-yakajeka kutengeserana (rima) kunoitwa kunze kwebhuku. Nepo kune rimwe divi, huwandu hwese hwakabvumidzwa mumari yakatarwa hwaive 31.313 mamirioni eurosi munaKurume, izvo zvinomiririra kukura kwe26,1% zvichienzaniswa naFebruary. Kubvumidzwa mukutengesa, kusanganisira nyaya dzezvikwereti zveveruzhinji uye zvakavanzika mari yakawanikwa, zvaisvika mamirioni 42.626 emamiriyoni, nekukura kwe19,5% zvichienzaniswa nemwedzi mumwe chetewo we2019 uye 83,7% zvichienzaniswa naKukadzi wegore rino. Iyo bhalansi yakasarudzika yakamira pa1,59 trillion euros, zvinoreva kuwedzera kwe0,9% kana ichienzaniswa naMarch 2019 uye 2% mune yakaunganidzwa yegore.
Pakati pemwedzi waKurume, kutengeserana mumusika wakatorwa zvemari wakaramba uchikura. Kunyanya mu Index Futures, mumwedzi unoratidzwa nekuwedzera kusagadzikana. Musi waKurume 12, 77.763 IBEX 35 PLUS zvibvumirano zvenguva yemberi zvakatengeswa, zvinyorwa zvezuva nezuva, kusanganisa kupera kwemavhiki. Vhoriyamu yeRamangwana paIBEX 35 yakawedzera ne74,6% uye muFutures Mini IBEX ne200,8% zvichienzaniswa nemwedzi waMarch wegore rapfuura. MuStock Sarudzo, Kurume yaive mwedzi wechitatu wakateedzana wekukura uchienzaniswa nenguva imwechete mu2019, iine kuwedzera kwe60,4%.