Ezona mveliso zilungileyo zokutyala imali kumvuzo ohleliyo kunye nokwahluka

renta

Ngokuqinisekileyo enye yeminqweno yakho ekhawulezileyo kutyalo-mali kukuthenga izabelo kwizabelo. Kodwa kuya kufuneka uyazi ukuba awunyanzelekanga ukuba uzikhawulele kwimarike yemasheya. Okwangoku unayo enye Iimveliso zezemali ezikuvumela ukuba wenze imali ngokulondoloza. Nangona kwiimeko ezininzi phantsi kweemodeli zotyalo mali ezinoburharha. Njengakwimeko ethile yemvume kunye nezatifikethi eziye zonyuka kakhulu kurhwebo lwabo kunyaka ophelileyo.

Njengoko kunjalo nakwimali ebizwa ngokuba kukutshintshiselana ngemali (ETF), yona ingumxube phakathi kokuthenga kunye nokuthengisa izabelo kwimarike yemasheya kunye notyalo mali. Kodwa ngexabiso elongeziweyo onokulifumana Ukujolisa kwezinye iiasethi eziyimali, ezinye zazo zinobuchule obukhulu. Ngaphandle kokuvezwa kwayo ngokuthe ngqo njengakwimakethi ezithile zezemali. Oko kukuthi, unokulawula ngakumbi izikhundla zabo ukuze uhlengahlengise izikhundla ngexesha olibona lifanelekile.

Kwelinye icala, kutyalo-mali aluzukubakho ukunqongophala kweemveliso ezivela kwimarike yengeniso esisigxina ezinje ngeebhili, iibhondi kunye nezibophelelo. Zonke iimveliso ezinekhontrakthi ngabatyali mali abancinci nabaphakathi abazikhuselayo. Nangona ngeli xesha inzuzo yayo kufuneka ihlelwe njengengonelisiyo kwimidla yabasekeli. Ngaphandle nikela ngaphezulu kwe-2%, nangona kunenzuzo enkulu yokuba iyimveliso engenazikhomishini kunye nezinye iindleko ezivela kulawulo okanye kulondolozo lwayo.

Ukutyala imali kwizabelo: urhwebo

Imarike yemasheya yaseSpain ithengise i-32.319 yezigidi zeerandi kumvuzo oguqukayo ngoFebruwari, iipesenti ezingama-22 ngaphantsi koJanuwari ne-30,6% isezantsi kunenani lenyanga enye yowama-2018. inyanga kunye ne-2,8% isezantsi kunaleyo ibhaliswe ngoFebruwari 21,8. Kwicandelo le- iimvume kunye nezatifikethi Kwathethathethwana nge-24 yezigidi zeerandi, i-31,8% ingaphantsi kwenyanga ephelileyo kwaye i-47,4% ingaphantsi kunangexesha elifanayo lowama-2018. . Inani lemicimbi eyamkelweyo kurhwebo yafikelela kwi-5.826, i-7,5% ngaphezulu konyaka odlulileyo.

Ngokubhekisele kwicandelo leengxowa-mali ezithengiswayo, i-127 yezigidi zeerandi zithengisiwe, i-37,4% isezantsi kunenyanga ephelileyo kunye ne-68,4% isezantsi kunenyanga enye yonyaka ophelileyo. Inani leentengiselwano ngoFebruwari lime kuma-4.627, kwehle nge-16,9% xa kuthelekiswa nenyanga edlulileyo kunye ne-64,5% xa kuthelekiswa kwinyanga enye ngo-2018. inqanaba eliphezulu lomsebenzi. Umthamo opheleleyo oqokelelwe kunyaka ukhule nge-77,9%, emva kokurhweba i-28.750 yezigidi zeerandi kwinyanga ephelileyo, i-85,3% ngaphezulu kunangoFebruwari 2018. Ukongeza, imiba eyamkelweyo kurhwebo inyuke nge-7,8% ukusukela ekuqaleni konyaka kunye nemali eseleyo inyuke nge-2,9%.

Ukusebenza kwimvelaphi yezemali

izibonelelo

Kwimakethi yeziphumo zezemali, urhwebo lonyuke nge-3,9% kwiinyanga ezimbini zokuqala zonyaka xa kuthelekiswa nelo xesha linye lowama-2018. Olu konyuka belugxile kwikamva lezemali, elithe lathumela kwangaphambili i-314,6%. Ukurhweba kwi-Ibex ezingama-35 kukhuphuke nge-14,8% ngenyanga. Ngelixa ngokuchaseneyo, indawo evulekileyo yeseti yeziphumo zezemali inyuke nge-7% xa kuthelekiswa nenyanga edlulileyo.

Kweli candelo lotyalo-mali eSpain, kufanele kuqatshelwe ukuba ukunyuka okuphambili kubhalisiwe kwikamva kunye nokukhethwa kwi-Ibex 35, ngokuqhubela phambili kwe-6,8% kunye ne-16,5% ngokwahlukeneyo. Ngelixa kwelinye icala, ikamva kunye ongakhetha stock Banokukhula ngeli xesha lihlalutyiwe kwiimarike zezemali zikazwelonke. Kwezi meko zichaziweyo, i-3,1% kunye ne-6,6% ngokwahlukeneyo.

Iziphumo zomphathi wotshintshiselwano lwesitokhwe

IBolsas y Mercados de España (BME) ifumene isiphumo esine-34,8 yezigidi zeerandi kwikota yesine ye-2018, i-6% ingaphantsi kunelo xesha linye lonyaka ophelileyo. Iziphumo ezipheleleyo zonyaka ka-2018 zifikelela kwi-136,3 yezigidi ze-euro, i-11,1% ngaphantsi kwe-2017. Bangaphantsi kwe-78,8% kunaleyo bebeyifumene kunyaka ophelileyo, nangona kunjalo bezisa isimilo esifanelekileyo xa kuthelekiswa neekota ezimbini zangaphambili. Ukuzilolonga ngokupheleleyo, i Ingeniso iyonke yafikelela kwizigidi ezingama-304,2 zeerandi, ukwehla nge-4,9% xa kuthelekiswa nonyaka ophelileyo.

Kwimeko yamanqanaba asezantsi kakhulu okuguquguquka okungachazwanga (i-15% yomndilili wemihla ngemihla ngokwe Isalathiso seVIBEX, ishumi lesithathu ngaphantsi konyaka ophelileyo) umthamo opheleleyo wezinto eziphuma kurhwebo ezithe zathengiswa zimi kwizivumelwano ezizizigidi ezingama-43,5 ngo-2018, zehla nge-2,4% xa kuthelekiswa nonyaka ophelileyo. Kwikota yesine, urhwebo luhleli luzinzile xa kuthelekiswa nexesha elifanayo lonyaka ophelileyo kunye nezigidi ezili-12,2. Ikhontrakthi yexesha elizayo kwi-Ibex 35, imveliso enelona nani liphezulu kwicandelo, inyuse umthamo wayo weekhontrakthi ekuxoxiswene ngazo nge-1,2% kwixesha lokuhlalutywa.

Iziqinisekiso zesizukulwana esilandelayo

mvume

Yenye yeemveliso ezigcine ukonyuka okuphezulu kurhwebo kwithuba lokuhlalutya. Enye yeefomathi ezinokuthi zityalwe ngabatyali zimali abancinci nabaphakathi igolide. Kunyaka ophelileyo, imiba eliqela yokugunyaziswa iye yasungulwa kwintengiso ebonakalisa ngoba banikezele ukugubungela izinto ezahlukeneyo, phakathi kwayo kukho isinyithi esimthubi. Olu didi lweemveliso zezezimali luhlelwa njengomngcipheko omkhulu ngabahlalutyi bezemali kuba uninzi lwee-euro zinokulahleka apha endleleni ngenxa yezikhundla zabo.

Nangona kunjalo, ezi ntlobo zeemveliso ezintsha zemali zivumela abatyali mali ukuba ukufikelela kwiimarike ezithile. Into engenakwenziwa ngokusesikweni, ngakumbi kwicandelo lezinyithi elixabisekileyo, kule golide. Ngayiphi na imeko, yenye indlela entsha yokutyala imali kule asethi yezemali ukuze uthathe ithuba lokufumana ixesha lesinyithi segolide. Ngophononongo oluthile olubonakalayo kwiinyanga ezilishumi elinambini ezidlulileyo. Kwinto emiselweyo njengenye yeendawo ezikhuselekileyo zokuziphatha ngokugqwesa, ngakumbi ngenxa yokungazinzi kunye nokungazinzi kweemarike zezabelo.

Imisebenzi engakumbi yokuzikhusela

Ngaphakathi kwimarike yengeniso esisigxina kukho amatyala, iibhondi kunye noxanduva Iimveliso ekuvunyelwene ngazo ngabatyali mali abancinci nabaphakathi Zonke ezi zinto zintathu yimveliso yemali ezinzileyo ezinikezela imbuyekezo engaguquguqukiyo neqinisekileyo ngonyaka kwaye zenziwe njengezixhobo ezisetyenziswa nguRhulumente ukuzixhasa. Nawuphi na ummi angatyala imali kolu khuseleko, anesibheno sokunikezela ngembuyekezo ephezulu kunaleyo ihlawulwa yibhanki. Nangona imida yabo yokulamla iye yehla kakhulu kule minyaka idlulileyo.

Ewe, eyona mveliso ithandwayo neyaziwayo yomgcini weSpanish yileta kaRhulumente. Kuxhomekeke kubude be-asethi, kukho izibonelelo ezintathu: iileta eziya kwi iinyanga ezintandathu, unyaka omnye neenyanga ezili-18. Ngokuqinisekileyo lixabiso elikhuselekileyo, kuba izinga lenzala limisiwe. Kule nto yongezwa ukuba, nangona inzuzo ebonelelweyo ingekho phezulu kakhulu, ixesha lotyalo-mali lifutshane. Ezi zizathu zokuba kutheni uninzi lwemali kunye nengeniso engaguquguqukiyo yokufumana imali kutyalo-mali kwezi mveliso.

Ibuyisa ngaphantsi kwe-2%

lo ndolozo

Ibhili yonyaka omnye ngoku ibonelela ngembuyekezo ye-1,1%. Isivuno esiphakamileyo kuneso sinikezelwa ziidipozithi eziqhelekileyo zebhanki, kuba ngokubanzi inzuzo yonyaka ayidluli kwi-0,50%. Ngayiphi na imeko, enye yezona zinto zinomtsalane kule mveliso yemveli ingeniso esisigxina kukuba awunyanzelekanga ukuba ulinde ixesha lokuba liphele ukuze uqokelele imbuyekezo, kuba ukusebenza kubonwa kwangaphambili. Ngale ndlela, oomatshini bayo bafana kakhulu nokuba zeziphi iinowuthsi zebhanki.

Kwelinye icala, bayinxalenye yepotifoliyo yotyalo-mali kubatyali abazikhuselayo okanye abagcinayo. Apho ukhuseleko lokonga lubeka emngciphekweni wolunye uluvo olunamandla. Ngokufanelekileyo, ungalindelanga isimanga esikhulu kwezi mveliso, kodwa ubuncinci uya kuba nesiqinisekiso sokuba awuyi kuphulukana neyuro enye kwizikhundla ezivulekileyo kwingeniso esisigxina. Ngoncedo lokuba unokukhetha nexesha lotyalo-mali, ngezindululo ezahlukeneyo. Ngaphandle kwezinye izinto zobugcisa.

Le yeyona nto iphazamisayo kwimarike yengeniso esisigxina enayo ngalo mzuzu kwaye akubonakali ngathi inzala yayo iza kunyuka kakhulu kwiinyanga ezizayo. Kodwa, ngokuchaseneyo, bahlala bezinzisa. Ngaphakathi kwimarike yengeniso esisigxina kukho amatyala, iibhondi kunye noxanduva Iimveliso ekuvunyelwene ngazo ngabatyali zimali abancinci nabaphakathi. Zonke ezi zinto zintathu yimveliso yemali esisigxina enika imbuyekezo engaguquguqukiyo neqinisekileyo ngonyaka kwaye zizixhobo ezisetyenziswa nguRhulumente ukuzixhasa. Nawuphi na ummi angenza utyalo-mali kwezi zokhuseleko, ezinesibheno sokunikezela ngembuyekezo ephezulu kunaleyo ihlawulwa yibhanki.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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