Uzinzo kwiibhondi ezizimeleyo zaseSpain yinto eqhelekileyo egcinwe kule minyaka idlulileyo. Ukuchaphazela iimveliso ezininzi zotyalo-mali kunye nokonga. Kodwa ngoku banokuba sengozini enkulu ngokwe-arhente yokulinganisa ngetyala iMoody's, eye yalumkisa malunga nokwehliswa komgangatho wolawulo lwaseSpain.. Ngokwangoku kudweliswe kumanqanaba e-'Baa1 'ngembono' ezinzileyo ', ukuba inguqu kwezabasebenzi nakwimpesheni kubuyiselwa umva, ngokwengxelo epapashwe yinkampani ngalo Lwesibini.
Ngokwenyani oku kuthetha ukuba ukuba le meko ibinokwenzeka, iyakuphela ichaphazela iibhondi zelizwe lethu. Kodwa nakwezinye iimveliso zezezimali, ezinje Iimali zotyalo-mali kwimali engenayo esisigxina, imali yokurhweba ngokutshintshiselana, izicwangciso zepenshini kwaye, ngokubanzi, iimodeli ezininzi zokwenza imbuyekezo kulondolozo lwabatyali mali abancinci nabaphakathi. Kwimeko apho, umvuzo wakho uya kuncitshiswa ngamandla okanye enye ngokusekwe kwinqanaba elitsha letyala likaMoody. Ngayiphi na imeko, sisilumkiso kubaqhubi beenqanawa esingafanelekanga ukuba singasijongi kuba sinokuchaphazela uninzi lwabasebenzisi.
Ngelixa kwelinye icala, ingayinto enzima kwiimarike zokulingana zelizwe lethu kuba iyakusindwa kukuzimisela kwicala labameli bezemali bamanye amazwe. Kuba, ngenene, ayinakulityalwa ngeli xesha ezabasebenzi nezomhlala-phantsi Basetafileni phantsi kwamanqanaba orhulumente omtsha asekwayo kwilizwe lethu ukusukela ngoku. Ngefuthe elingaphezulu kokubi kuqoqosho lwesizwe kwaye oko ngokungathandabuzekiyo kuya kuba neziphumo kwiimarike zesitokhwe.
Iibhondi zomlawuli: zenziwa njani iikhontrakthi?
Le mveliso ivela kwingeniso emiselweyo ngokusisiseko yenziwe ngezixhobo ze- Ukwenza isivumelwano ngokuthe ngqo kwiimarike zezemali. Ngenzuzo evuselelwa inyanga nenyanga kuxhomekeka kwizinto ezibonelelwa lilizwe. Okwangoku, i-bond kazwelonke ezimeleyo yenye yezona zinto zinenzuzo ezinokufunyanwa. Ngaphezulu kwezinye ezineempawu ezifanayo ezinje ngesibophelelo sase-Itali. Imveliso ekohlwaywayo ziimarike zezemali zomgaqo-nkqubo owenziwe leli lizwe laseLatin.
Ibhondi yaseSpain, kwelinye icala, inokuba nokuvuthwa okwahlukileyo kwaye ngenxa yesi sizathu inokuthi ithathelwe ingqalelo njengemveliso yezemali eguquguqukayo. Ijolise kumaxesha okusisigxina okwethutyana, kodwa nakwezinye iindlela eziphakathi kunye nezexesha elide. Ngenzuzo eyaziwayo ngaphambi kokuqeshwa kwayo kwaye ngoku ihamba ngemida yokulamla ehamba Iipesenti ezingama-1,12 ukuya kuma-1,90% malunga. Ngayiphi na imeko, linqanaba lenzala elihlala lilungiswa kwaye liqinisekisiwe minyaka le.
Ngokusebenzisa imali yotyalo-mali
Ngayiphi na imeko, eyona ndlela ilula kunye neyona ilungileyo yokuba abatyali mali abancinci nabaphakathi benze ikhontrakthi kwimveliso yezi mpawu kukusebenzisa imali yotyalo-mali esekwe kwingeniso esisigxina. Zikho kwinxalenye enkulu yeephothifoliyo zotyalo-mali ezenziwa ziinkampani zolawulo, kuzwelonke nangaphandle kwemida yethu. Ngokusebenzisa iifomathi ezahlukeneyo ezikhoyo ukuze babhalise ngabasebenzisi. Ngaphaya kolunye uthotho lokuqwalaselwa kobuchwephesha.
Ngelixa kwelinye icala, ayinakulityalwa ukuba olu didi lwemali ludibene nezinye iiasethi zemali. Zombini ezivela kumvuzo ohleliyo kunye nokwahluka, kunye nakwezinye iindlela ezizezinye. Eyona njongo iphambili ye Ulwahlulo olwahlukeneyo ukukhusela igalelo lemali kwelona xesha linzima kwiimalike zezimali. Zikwakhona phantsi kolawulo olusebenzayo okanye olungenzi nto ngokuxhomekeke kwisicwangciso sotyalo mali somphathi uqobo. Ngeekhomishini ezahluka ukusuka kwi-0,7% ukuya kwi-1,5% kuxhomekeke kubume bayo.
Idityaniswe kwii-ETFs
Le yenye imveliso yezemali ebandakanya iibhondi zelizwe ezizimeleyo. Yimodeli yokonga exuba imali yotyalo-mali kunye nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya. Yalathiswe kwi ixesha elifutshane lokuhlala Ngaphezu kweemali eziqhelekileyo zotyalo-mali. Kwelinye icala, ikwabonakaliswa kuba ukubonakaliswa kwayo kwezinye iiasethi zemali kusezantsi kakhulu. Kulula kakhulu ukwenza ikhontrakthi kwaye baye baba yinto ecacileyo yotyalo-mali kule minyaka idlulileyo ngenxa yeempawu zabo ezizodwa.
Kwelinye icala, ayinakulityalwa ukuba le mveliso yemali iyafumaneka kunikezelo lwangoku lwamaziko emboleko nge Uluhlu olubanzi lweemodeli zendalo ezahlukeneyo. Ukuze abatyali mali abancinci nabaphakathi bakhethe ifomathi efanelekileyo yeprofayili yabo njengomtyali mali. Nangona kule meko, bemi ngaphandle kuba akukho kubuya kuqinisekisiweyo nangaliphi na ixesha kwaye yonke into ixhomekeke kwindaleko yabo kwiimarike zezemali. Nangona bahlala bevelisa imbuyekezo encinci minyaka le. Ukufumana iminikelo yezemali kunye nemidla yabo ehambelana nayo ngexesha lokuhlaliswa kwabo.
Umahluko ngokubhekisele kwezinye iibhondi
Ibhondi yaseSpain igcina ezinye izinto ekufuneka zixatyisiwe ngexesha lesivumelwano sayo kwaye zezi zinto zilandelayo sizivezayo ngezantsi. Imalunga nebhonasi leyo kukhuseleke kancinci kuneJamani okanye iMelika kuba ayisebenzi njengendawo yokusabela ngamaxesha okungazinzi kwiimarike zokulingana kwemali. Ngelixa kwelinye icala, ayivelisi ukungazinzi ngalo mzuzu wentambo yase-Itali. Apho umngcipheko wepremiyamu uthatha isigqibo sokunyusa inzuzo yawo kwiimarike zezemali, ngokwahluka ukusuka kwinyanga ukuya kwenye ngokuxhomekeke kwezi zinto zixabisekileyo.
Ngayiphi na imeko, olu didi lweemveliso ezivela kwingeniso esisigxina lujolise ikakhulu kwiprofayili yomtyali mali echazwe kakuhle. Okomntu olondolozayo okanye okhuselayo apho ukhuseleko lubalasele kwelinye iklasi yokuqwalaselwa ngaphezulu kolunye udidi lwezicwangciso ezinobundlongondlongo kwaye kwiimeko ezininzi zinento yokwenza nenzuzo yayo. Ayisiyomveliso ukuqikelela okanye ukufumana inzuzo enkulu yenkunzi, kodwa ngokuchaseneyo kufanelekile ukwenza utshintsho oluncinci okanye oluzinzileyo lokonga ixesha eliphakathi nelide.
Izinto eziluncedo zeebhondi zikazwelonke
Kuya kufuneka uthathele ingqalelo uthotho lwegalelo kubhaliso lwakho kwaye zezona sizityhila apha ngezantsi: ukuze ngale ndlela, sikwazi ukuxabisa lo msebenzi kwiimarike zezabelo.
- Yenza i inzuzo, nangona ingathethi ngokungathandabuzekiyo ubuncinci ikuvumela ukuba uvelise imali minyaka le.
- Yimveliso yezemali ngokubanzi leyo iphelelwe kwaye kuwo onke amatyala kufuneka kuthotyelwe.
- Yimveliso kakhulu kulula ukuqesha kwaye ke oko akufuneki ukuba kufundwe ngokukodwa ekusebenzeni kwayo okanye ekuqondeni kwayo.
- Kukho ekunikezelweni abaye bakhula Zonke iibhanki lelizwe lethu kwaye akusayi kubakho ngxaki ngokwenziwa ngokusemthethweni kwalo ngokuchanekileyo.
- Iikomishini zakho azinabisi kakhulu Kwaye kuyo nayiphi na imeko zingaphantsi kwezo zisetyenzisiweyo ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya.
- Lutyalomali oluqwalaselwa ngeengozi ezimbalwa kakhulu ekusebenzeni kwayo, nangona ixhomekeke kuphuhliso lweemarike zezemali.
- Kwaye okokugqibela, kufanele ukuba kuqatshelwe ukuba olu didi lweebhondi zidityanisiwe utyalo-mali olulondolozayo okanye olukhuselayo ngabatyali mali abancinci nabaphakathi.
Ngendleko zohlaziyo lomhlala-phantsi
Kuyo nayiphi na imeko, iibhondi zikazwelonke zinokuphononongwa ngokuxhomekeka ekubeni ingaba utshintsho kubasebenzi kunye nakumhlala-phantsi ekugqibeleni lubuyisiwe na. Le yenye yemingcipheko ekufuneka ithathelwe ingqalelo ukusukela ngoku. Ngengqiqo, iarhente yamatyala ibeka oku kuguqulwa kohlaziyo kunye amabango e-secessionist eCatalonia njengeyona mngcipheko uphambili wekhredithi ilizwe elinalo ngoku. Kwimeko apho, ayizukufumana nzuzo imveliso yemali njengoko inokuba ngoku. Ke ngoko, le meko intsha kufuneka ivavanywe ngeeparameter ezintsha apho ukuxhomekeka kuyo kuxhomekeke khona.
Ngelixa kwelinye icala, "ukomelela koqoqosho lwaseSpain kubonakalisa ukuphucuka kokukhuphisana okukhokelela kwintsalela yangaphandle egcinakalayo kunye nokukhula okungalunganga ngakumbi kunangaphambili," utshilo uMoody kwingxelo yakhe. Ukuba nangayiphi na indlela yenye yezithunzi eziboniswa yile mveliso kutyalo-mali kwiinyanga ezizayo okanye kwiminyaka. Ne Ukungazinzi okunokubangela kwimfuno yabatyali mali abancinci nabaphakathi.
Njengokuba kunokwenzeka kwimarike yezabasebenzi, kuba enye yeenjongo zikaPedro Sánchez kukuphelisa uhlengahlengiso lwezabasebenzi olwalukhuthazwe nguMariano Rajoy phakathi kwengxaki yezoqoqosho. Ngaphandle kweziphumo ezilungileyo kwinzuzo yale klasi yeebond kwaye ke baya kuphulukana nokhuphiswano nabatyali mali bamanye amazwe ukusukela kuloo mzuzu ukuya phambili.