Ewe kunjalo, enye yeendlela ekufuneka utyale imali yakho ngayo mali mali. Kwaye ngaphakathi kwale mveliso yezemali, kwisalathiso somgangatho we ubulungisa belizwekazi elidalaNjengakwimeko ethile ye-Eurostoxx 50. Ukuze ngale ndlela, wenze imali oyigcinayo izuze imali ukusukela ngoku. Kwaye isebenza njengesicwangciso esisebenzayo ukubakhusela nakwezona meko zintle kwintengiso yesitokhwe. Iyahambelana, nangayiphi na imeko, njengenye yeendlela ezizezinye onokuthi uzinxibelelanise nehlabathi elinzima lemali.
I-Eurostoxx ivelisa iindlela ezahlukeneyo ukuze ujonge ezona ndlela zibalaseleyo zotyalo-mali. Kungenxa yokuba eneneni icamngca ngeemali ezahlukileyo ezihlengahlengisiweyo kwiprofayili nganye oyivezayo njengomtyali mali omncinci nophakathi: onolunya, okhuselayo okanye ophakathi. Ngamnye kubo kukho impendulo eyahlukileyo kuba Xhasa iimodeli zolawulo ezahluke ngokupheleleyo. Ngedinomineyitha eqhelekileyo enje ngeziphumo zokuba zonke zivela kule index yesitokhwe efanelekileyo.
Ngaphezulu kwako konke, baya kukuvumela ukuba ubamele kwii-equity zaseYurophu, kodwa ngaphandle kokuvezwa ngokuthe ngqo kwimarike yemasheya. Nangona kungalunganga ukuba ezi mali zotyalo-mali azizukuqokelela iingeniso zemali ezinokuthi ziveliswe kwimarike yaseYurophu. Kwaye awunakulibala ukuba iya kubandakanya indleko zoqoqosho eziphakamileyo kunaleyo yokuthenga kunye nokuthengisa kwintengiso yemasheya. Ngama-margins anokufikelela kwi amanqanaba asondele kwi-2% kwimali-mali oyityalileyo. Kodwa iya kuba ngumrhumo oya kuhlawula ukukunika ukhuseleko olukhulu kwimisebenzi yakho yeemarike zezabelo.
Kutheni imali ye-Eurostoxx?
Ukuba uthatha isigqibo sokuvula imisebenzi kule index yesitokhwe ngemali yotyalo-mali, kuya kufuneka uyazi ukuba enye yezibonelelo ezibonelelwa sesi sicwangciso ayibandakanyi ubungozi bemali. Ngamanye amagama, zonke iintshukumo zenziwa nge-euro. Ngaphandle kwalo naluphi na uhlobo lweekhomishini zotshintshiselwano lwemali. Enye yezona ndawo zibalulekileyo kukuba ungababhalisela imali efikeleleke kakhulu kuyo yonke imizi. Ukusuka kwi-1.000 euro phambili, ngemodeli oya kuthi ekugqibeleni uyikhethe ngokusekwe kwiprofayile yakho njengeyona inverse.
Kuya kufuneka uxabise ukuba utyale imali yakho kwiinkampani ezidityanisiweyo. Ukuza kuthi ga kwinqanaba lokuba uninzi lwazo lolona lumeleyo kwishishini kwilizwekazi elidala. Ngokusebenzisa i- Ulwahlulo lwenkunzi ekhoyo kuwo wonke umzuzu. Ke ngale ndlela, awunyanzelekanga ukuba ugxile kwixabiso elinye, kodwa kwibhasikithi enezinto ezahlukeneyo zohlobo. Oko kunokudityaniswa nezinye iiasethi zemali. Nokuba ungeniso olusisigxina ukunika uzinzo kwiphothifoliyo yakho.
Uhlobo lwesalathiso sesitokhwe
Isalathiso se-Eurostoxx 50 senziwe nge Izitokhwe ezingama-50 ezifanelekileyo kummandla we-euro. Iinkampani ezinokufakwa kwesi salathisi zivela kula mazwe alandelayo: iOstriya, iBelgium, iFinland, iFrance, iJamani, i-Itali, iLuxembourg, iNetherlands neSpain. Ukusuka kwinqanaba elivelisa le mveliso ikhethekileyo yezemali, awungekhe ulibale ukuba iitshiphusi eziluhlaza kwimarike yesitokhwe sikazwelonke zidityanisiwe: iSantander, i-BBVA, iRepsol, i-Endesa, iIberdrola kunye neTelefonica. Kukwafanelekile ukuba uqaphele ukuba le index yesalathiso yelizwekazi elidala iphononongwa rhoqo ngonyaka kuthathelwa ingqalelo inani lezabelo kunye nenqanaba lokudada simahla kwezi ngokubhekisele kwitotali. Njengakwi-Ibex 35, ngokudityaniswa kunye nokushiya ezona zindululo zinamandla zokulingana ngawo onke amaxesha. Nangona ichaphazela kuphela ixabiso elinye okanye amabini ekupheleni kwesemester nganye okanye unyaka.
Enye yeenzuzo zayo eziphambili kukuba unokutyala imali yakho kwii-equity zaseYurophu ngokuchasana ngokuthe ngqo kwiimarike zezemali. Ngenxa yokuba, yipotifoliyo yezokhuseleko ekuvumela ukuba ukhusele izikhundla ngokufanelekileyo. Ngale ndlela, xa iimarike zentengiso zisilela, ezi mali zigcina ukwehla okuncitshisiweyo. Nangona ngenxa yesizathu esifanayo, ayibonisi ngamandla ukuphononongwa kweemarike zezemali. Ukulinganisela kunye nokuzinza kwayo kukhulu ngokuthenga nokuthengisa izabelo ngokuthe ngqo kwimarike yemasheya.
Imiqathango yokuhlala
Omnye umba wokubaluleka okhethekileyo ngulowo unento yokwenza nexesha lokusisigxina kwengxowa-mali yotyalomali enxulunyaniswe ne-Eurostoxx 50. Kucetyiswa ixesha elide, phakathi kweminyaka emithathu ukuya kwelishumi. Kuxhomekeke kwiimpawu abazibonisayo njengomtyalomali omncinci nophakathi. Njengeprofayile oyigcinayo kwasekuqaleni. Nangona kumgaqo, zihlala zithandeka ngakumbi kwimveliso yezemali kwezona zinto zigcina ugcino. Apho kubalulekile ukwenza ibhegi yokonga yexesha elide. Nokuba kwezinye iimeko kugxilwe kumhlala phantsi. Nokuba umdala kangakanani, nokuba umncinci kakhulu.
Nangona kunjalo ujongene nemveliso yotyalo-mali, ukuba ayifani, ubuncinci ineempawu ezichazwe kakuhle. Phi uthatha umngcipheko omncinci ngaphezu kwezinye iimodeli. Nangona kutshintshiselana ngokudibana kuthotho lwezinto ezilindelweyo kwesi salathisi. Ngamanye amagama, ukuba izabelo zabo ziyahlaziywa kwiimarike zezemali. Kwaye kokuphakama kobunzulu bayo, kokukhona kuya kuba ngcono ngakumbi kwimidla yakho. Kuba iyakuba luphawu lokuba uzuze imali eninzi ngokuthatha inxaxheba kwezi ngxowa mali.
Mhlawumbi enye yezona ngxaki zinkulu kukuba kuya kufuneka ujongane nazo iikhomishini ezifuna ngakumbi kunezinye iimveliso zemaliImarike yemasheya, iziqinisekiso okanye iimali ezithengiswa ngemali, phakathi kwezona zibalulekileyo. Kuba, ukusebenza, ukuvulwa kwezikhundla kubandakanya uthotho lweendleko. Awungekhe ulibale ukuba zininzi iikhomishini kunye nobume obahlukeneyo: ubhaliso, idiphozithi, ukubuyiselwa imali kunye nolawulo. Zonke zihlala zihamba phakathi kwe-0,5% kunye ne-2% kwi-capital capital. Njengoko ubona, kukho imali eninzi eya kuphuma kwiakhawunti yakho yokutshekisha kwezi ngcamango. Ke ngoko, kubaluleke kakhulu ukuba uyiqwalasele ngaphambi kokukhetha enye indlela yotyalo-mali.
Iimpawu zayo eziphambili
Iimali zotyalo-mali ezisekwe kwi-Eurostoxx 50 zinendawo ezicacileyo zomahluko. Kuya kuba lula kuwe ukuba ubazi ukuze baphucule ukusebenza ukusukela ngoku. Zombini ukugcina ukonga kwakho kunye nokwenza uninzi lweentshukumo zakho kwezi asethi zemali. Nayiphi na inkcukacha inokukuzisa kufutshane okanye kude nale mali yotyalo-mali. Ngenxa yoku, zibonakala ziphantsi kwezi zinto zilandelayo.
- Iinkampani ezine Ubunzima obukhulu ngakumbi bamashishini aseYurophu. Zezona nkampani zibaluleke kakhulu kule ndawo yezoqoqosho kwaye zaziwa kakuhle yinxalenye elungileyo yabatyali mali abancinci nabaphakathi.
- Awunyanzelekanga ukuba ube negalelo kwiimali ezinkulu, kodwa kwimisebenzi yakho bafuna imali encinci. Ngaphantsi kunakwimodeli zolawulo eziphucukileyo. Sisibonelelo esinokukwenza uthembele kwesi sisombululo ukuphucula ukubuyela kulondolozo.
- Ngokuqhelekileyo yi ulawulo olungenzi nto, apho uhlala utyala imali kwiiasethi ezifanayo zemali. Umahluko omncinci okanye akukho kwahluka kwipotifoliyo yotyalo mali ephuhliswe ngabaphathi.
- Ezi mali zotyalo mali ziyakuvumela khusela imali eyinkunzi ekhutshwe ngumgcini-mali. Ubuncinci ngaphandle kokufumana ilahleko ngokubaluleka okukhethekileyo. Njengakwelinye icala, kuyenzeka ngokusebenza kweemarike zesitokhwe kunye nezinye iimveliso ezinoburharha.
- Ekupheleni kosuku kuyimakethi engaziwayo kuwe. Ngokuchasene noko, ngako konke ukuqiniseka ukuba uya kuba uqhelekile ngezindululo ezininzi ezinikezelwa yi-Eurostoxx 50 okwangoku.
- Imigaqo yokusisigxina kwinxalenye enkulu yesindululo esibonelelweyo siphezulu ngokugqithileyo ukulungiselela umdla wabatyali mali abanoburhalarhume, obumiselwe ixesha eliphakathi okanye elide. Inomdla ngokwenene ukuba chaza iinjongo ukuba ufuna ukufezekisa ukusukela ngoku.
Ngaphantsi kwefomathi yemali eqinisekisiweyo
Ngapha koko, unayo enye indlela yokutyala iimpahla zakho kwii-equities zaseYurophu. Ngemali eqinisekisiweyo. Njengoko ilizwi labo libonisa ukuba bayakuqinisekisa a inzuzo ezinzileyo ekukhuleni okufanayo. Kodwa ukuba iimeko ezithile ziyafezekiswa kolu rhwebo lwemali. Ukuqala ngovavanyo lwayo kwakhona njengesitshixo sokuqinisekisa ukusebenza. Nangona kunjalo, awuyi kulanda ukonyuka okunokwenzeka kwesi salathisi se-equity ngamandla anje. Ngokukodwa, ukuba uyayithelekisa, ziintshukumo eziqhelekileyo ozenzayo engxoweni. Ngokuthengwa nokuthengiswa kwezabelo.
Umahluko wabo ophambili ulala kwiibhasikithi zokhuseleko ezikhethwe ngabaphathi. Zijolise kwiprofayili yomthengi eyahlukileyo kakhulu. Ngomngcipheko ophezulu okanye ophantsi, kuxhomekeke kwezi zinto zixabisekileyo. Ngayiphi na imeko, abasebenzisi, njengakwimeko yakho, banokuba kwizikhundla zokuthenga kwezona nkampani zimeleyo zoqoqosho lwaseYurophu: Allianz, Bayer, Daimlerchrysler, Deutsche Bank, L'Oreal, Nokia, Nokia, Unilever ...
Kuya kufuneka ukhethe kuphela ingxowa-mali elungele iimeko zakho njengomtyalomali wentengiso. Uneefomathi ezininzi onokukhetha kuzo kunye neemodeli ezahlukeneyo kulawulo lwayo. Nokuba unokhetho lokuqinisekisa ingxowa-mali ngokukhula ngokubhekisele kwixabiso lokucinywa. Ukusuka kwimirhumo emincinci yezoqoqosho, nangona mhlawumbi ineekhomishini ezibanzi ngakumbi ukusukela oko kumiselwa ngokusesikweni.