Ukuphela konyaka akuyi kuba lula kwi abatyalo-mali khetha eyona milinganiselo ilungileyo. Abazange bahlangane ngelize ukuya kunyaka ongaphezulu kunabanye. Ngaphandle kwamathandabuzo, ukugqithisa phakathi kwabatyali mali abancinci abathe bavelisa ngaphezulu kokuphoxeka kwinto enokuba yeyona nto iphambili kwizabelo zeSpain. Ewe kunjalo, kunye neBrexit njengemvelaphi embi ukusukela oko yavunywa kudliwanondlebe lonyulo kwangoko kweli hlobo.
Ngexesha lezi nyanga bekusenzima ngakumbi ukufumana amathuba eshishini phakathi kwamaxabiso emarike yestokhwe saseSpain. Kude kube Ukuthengiswa yimeko yendalo kwinxalenye elungileyo yabasindisa. Bajongane noloyiko lokuba balahlekelwe zezinye zeasethi zabo kwimisebenzi eqhutywa kwiimarike zezemali. Ubulumko ke kuye kwaba yenye yezona zinto zixhaphakileyo kubo.
Ngapha koko, umthambo awulahlekanga okwangoku. Ngethamsanqa kuwe, usenokubonakala kwendabuko Irally yekrisimesi, kwaye abatyali mali abaninzi balindele ngolangazelelo. Ukusuka kule meko inokwenzeka kwiiveki zokugqibela zonyaka, inokuba yeyona nto ilungileyo yokulinganisa iiakhawunti ezisebenzile kuwe kwizabelo.
Ngawaphi amaxabiso asezantsi?
Ngayiphi na imeko, awuzukukhetha ngaphandle kokukhetha xa ulungiselela eyona portfolio yakho ikufutshane yezokhuseleko. Ukuthintela nasiphi na isehlo esinokuthi sibhengezwe ziimarike phambi kokuphela konyaka-mali. Ayothusi into yokuba esinye sezitshixo zokuphucula izikhundla zakho iya kuba njalo ukhuseleko luyaqhubeka umngcipheko ongaphezulu. Zonke iintlobo zeeprofayili onokuthi uzibonakalise: zinoburharha, ziphakathi okanye ziyazikhusela.
Ukusuka kule meko, uya kuba namaxabiso acetyiswayo kunamanye. Apha kulapho kuya kufuneka ujolise ukubheja kwakho ukuphela konyaka. Kwimeko nayiphi na into, ayiyi kuba sisiqinisekiso salo naluphi na uhlobo lokusebenza. Kodwa izokunceda ukunciphisa ubungozi. Ngokubhengeza okungafikeleli kulondolozo lwakho lonke. Kwaye kunjalo ithamsanqa lokujongana neeseshoni zokurhweba ezilandelayo.
Izindululo, ewe, awuyi kuphoswa. Kodwa akuyi kubakho khetho ngaphandle koko Khetha awona maxabiso abonisa okwangoku. Oku kuyakunciphisa ngokubonakalayo ukubonelelwa okubanzi okubonelelwa ziimarike zezemali. Zombini kwizabelo nakwezasekhaya. Ngale ndlela iindawo ezivulekileyo ezinesibindi esaneleyo sokwenza i-akhawunti yakho yokutshekisha ibe yinzuzo. Okwangoku, ngaba uyafuna ukwazi ukuba zeziphi izindululo ezicebisayo? Kulungile ke sinikela kuwe.
Iimilinganiselo: iinkampani ezixuba amayeza ngokubanzi
Eli licandelo elinomdla kakhulu okwangoku elingadingi bungcali. Nokuba sekufika kwi-stock indices apho bathengisa khona. Ngokoluvo lwabanye abahlalutyi abaqwalaselweyo kwiimarike zezemali, ungomnye wabo babonisa eyona nto inomdla ekuthengeni izabelo zabo. Yenza loo nto zixabisekile. Ukuza kuthi ga kwinqanaba lokuba ube nokuhlaziya okuphezulu kunakwamanye amacandelo.
Eli qela lezabelo zamazwe ngamazwe libonisa ezinye iziphumo zeshishini ezintle kakhulu. Banokusebenza njengesizathu sokuqalisa ukwanda kwexesha elizayo kwikoteyishini yamaxabiso abo. Ngezibonelelo eziphindaphindayo minyaka le kwiiakhawunti zakho zeshishini. Kwaye bayancedakala kule minyaka idlulileyo ukuvela kwamachiza amatsha ngokuchasene nezifo ezithile ezonyusa ixabiso lezabelo zabo. Ngamanye amaxesha, ngendlela ephawuleka kakhulu de iphinde ibenenani elijikeleze i-10% okanye i-20%.
Ikwayi- Ixabiso elikhuselayo kakhulu isetyenziselwa ukuvula izikhundla kweyona micimbi mibi yeemarike zezabelo. Ngonxibelelwano olunomdla kakhulu phakathi komngcipheko kunye nokubuya kwimidla yakho. Ukufikelela kwinqanaba lokuba ezinye zeenkampani ezixuba amayeza ezisebenza kwiimarike zaseMntla Melika naseYurophu ziphambili ngokomthamo wezabelo zazo.
Idityaniswe neoyile
Iya kuba yenye yeenkwenkwezi ezinkulu kunyaka ozayo ukuba imeko inye kuphela. Ayikho enye ngaphandle kokuba amaxabiso egolide emnyama aqhubeke nokunyuka kwiimarike zezemali. Ngenye ye ukubonakala okuphezulu okunokubakho Kuzo zonke iintengiso zelizwe jikelele. Umngcipheko wokuba oku akunjalo ubonakala uphazamisekile emva kwezivumelwano zamva nje phakathi kwabavelisi abaphambili. Ngokukodwa abo banxulunyaniswa noMbutho weHlabathi wabaThumeli bePetroleum (OPEC) kunye neRussia.
Ukusuka kwinqanaba elivelisa le nto ibalulekileyo eluhlaza, abahlalutyi beemarike abangakumbi nangakumbi bayayibona inokwenzeka into yokuba ixabiso lerhabaxa linakho sondela kumqobo we- $ 70 umphanda kwiinyanga ezilishumi elinambini ezizayo. Akumangalisi ukuba yenye yezona zinto zinamandla kwezemali ukusukela ngeli hlobo lasehlotyeni. Emva kokubuya kwimigangatho yayo kangangeminyaka emininzi kubume beedola ezingama-25. Banokunika ngaphezulu kokumangaliswa okuhle kwezi zihlandlo.
Ngayiphi na imeko, ukuba ufuna ukuvula izikhundla kwiinkampani zeoyile eSpain, kuya kuba nzima ngakumbi, kuba unesindululo sikaRapsol kuphela. Kwelinye icala, kwiimarike zemali ezishiyekileyo, unikezelo lweli candelo luhamba ngakumbi ngalo lonke uthotho lokhuseleko olunxulunyaniswe nale mali yexabiso lokuqala.
Ukujikeleza kwendalo
Ukujongana nokuchacha okukhulu kuqoqosho lwamazwe aphesheya, isisombululo sabatyalomali sinokusekwa ekuthengeni izabelo zokhuseleko kwicandelo lokujikeleza. Ngabo basondelelene kakhulu enxulunyaniswa namaxesha okwandisa kuqoqosho. Kula maxesha kulapho bafumana khona ukuxabiseka okubalulekileyo kwikoteyishini yamaxabiso abo. Ngelixa ngokuchaseneyo, ngamaxesha aphindaphindeneyo baphupha ngokubonisa ukuwa okubalulekileyo kwiimarike zezabelo.
Yiyo lukhetho nje lokwexeshana kwaye ngokubonelela ukuba ii-indices zoqoqosho olukhulu zixhasa ukubuyiselwa kwemisebenzi kwilaphu lelona lizwe libalulekileyo. Ngaphandle koko, kuya kuba ngcono ukuba ube nokuthengiswa ngokupheleleyo kwezi xabiso kuba zinokuvelisa imeko ebukhali kakhulu yokuhla kwamaxabiso abo. Ngayiphi na imeko, ukubheja ngokwesiko phakathi kwabatyali zimali abakhulu abasebenzisa ithuba lokuqaqamba kwezoqoqosho ukukhetha ezi nkampani kutyalo-mali lwabo.
Elinye lawona macandelo abameli beempahla ezijikelezayo lelo linento yokwenza nomzi mveliso. Bangomnye wabathwali bemigangatho yokwanda koqoqosho kwaye babethwe kakhulu kwiimarike zesitokhwe ngexesha loxinzelelo lwezoqoqosho olwaqala kule minyaka ilishumi idlulileyo. Abazange bawafumane amaxabiso abo ngamandla apheleleyo ukusukela ngoko. Ngenxa yoko, lelinye lawona macandelo anokubonga kakhulu ngalo mzuzu.
Icandelo lokutya: lizinzile
Amaxabiso eli candelo leshishini amiselwe njengenye yeendlela ekunokukhethwa ukuba bajongane nazo kunyaka ozayo kwipotifoliyo yotyalo-mali. Zikhuselekile Ngaso sonke isiqinisekiso baya kukuphepha ngaphezulu kwesisodwa seengxaki kwimisebenzi oyivulayo. Ewe kunjalo, ayizizo ezona zicetyiswayo ukuba zenze inzuzo eyomeleleyo. Kodwa ubuncinci baya kusebenza ukukhusela ulondolozo lwakho kumaxesha elizayo kwiimarike zezemali.
Le yimigca eqinileyo yeshishini edla ngokubonisa ingxelo yengeniso elungileyo nakweyiphi na imeko evela kuyo. Ngaphezulu kwalawo amanye amacandelo amatsha ngakumbi. Ngamanye amaxesha banokuchazwa njenge amaxabiso okusabela apho iintloko ezona zoyikisayo malunga nokuvela kwexabiso lemali zibhekiswa ngqo. Ukuba lelinye lamaxabiso asisigxina kwipotifoliyo yotyalo-mali yezona ndawo zigcina imali.
Imarike yemasheya yaseSpain ineenkampani ezimbalwa zezi mpawu ezinokwanelisa ibango lakho ngaphandle kokuba uye kwezinye iimarike zamanye amazwe. Nokuba ku Lumka kakhulu ngeDeoleo, kuba yenye yexabiso elineyona nto ibaluleke kakhulu kwezobugcisa kwintengiso. Inkampani yokurhweba ngeoyile inokuhamba ikhangele ukuhla kwayo kumanqanaba akufutshane ne-0,20 euro ngesabelo ngasinye.
Yizalise ngetekhnoloji
Ukunika ipotifoliyo ubundlongondlongo, inkampani yetekhnoloji ebonisa amandla kumgangatho wobugcisa. Iyakuba sesinye sezicwangciso zokunyusa imbuyekezo kulondolozo olutyaliwe. Ngegalelo lemali elinganyanzelisi nto, kwaye eliya kusebenza njengesixhasi sokusebenza okuphakathi kotyalo mali. Nangona ukufezekisa le njongo, kuyacetyiswa kakhulu ukuba uye kwiimarike zamanye amazwe ujongene nesona sibonelelo sikhulu sokhuseleko kwezi mpawu.
Esi sicwangciso sotyalo-mali siya kwenza iindleko zolawulo zibize kakhulu, kodwa uya kuba nakho ukubabuyekeza ngophuhliso olungcono kwikoteyishini yamaxabiso abo. Ukuvuma ukuba la maxabiso aya kubanakho ukukhula iintshukumo eziguquguqukayo kakhulu Oko kunokukwenza ube novalo ngakumbi ngamaxesha athile onyaka. Ngumngcipheko oya kuthi ucinge ukuba ufuna ukuthatha izikhundla kwicandelo lobuchwepheshe elitsha.
Ngayiphi na imeko, kuya kufuneka ube nethemba lokujongana nonyaka omtsha kuba kuya kuhlala kukho amathuba okwenza ishishini ngemali yakho kwiimarike ze-equity. Kuya kufuneka ukhethe umzuzu olungileyo. Ngokuqinisekileyo iya kuvela, nokuba ungayilindelanga kwaphela. Ujongene nale meko, i ubulumko kunye nokulumkisa kufanele ukuba zezona ziqhelekileyo kwizenzo zakho kwimarike yemasheya. Ukuze ngale ndlela, ufumane umvuzo wakho kwifomathi yeenzuzo ezinkulu. Kwaye oku ngekhe uphoswe naliphi na ithuba elivela kwiinyanga ezimbalwa ezizayo.