Ukuqhuma okupheleleyo kwezabelo zaseSpain eziza kuthi ziphume kwisiphithiphithi esitsha. Emva kwesalathiso sikazwelonke esikhethiweyo, i-Ibex 35, malunga nokuzibeka phantsi kwamanqaku angama-9.000. Nje ukuba yonke into ibonakale ibonisa ukuba kwiintsuku ezimbalwa ezizayo kuya kubakho umlenze omtsha wokunyusa. Kodwa ukukhula kwe- imfazwe yorhwebo phakathi kwe-United States ne China ibeke kwakhona. Kwaye inokushenxela kude kubuthathaka beendawo zokuthenga.
Ukusuka kule meko ngokubanzi, ngekhe kumangalise ukuba kwiintsuku ezimbalwa ezizayo kunokundwendwela amanqanaba asezantsi. Nokuba ungasondela kwezi ziyingozi Amanqaku e-8.000 Oko kunokuba kukuhla kwe-10% ngokubhekisele kwizikhundla zabo zangoku. Ngayiphi na imeko, inokuba sisizathu esifanelekileyo sokuhlehlisa isikhundla kwiimarike ze-equity. Kwinto ebangela ukubethwa ngokuqatha kwimidla yabatyali mali abancinci nabaphakathi. Ukujongana nobuthathaka obunokubakho kwiimarike zemali.
Isizathu sokuwa kwamashishini aseSpain kukuqala kwemfazwe yorhwebo phakathi kwamagunya amabini amakhulu oqoqosho lwehlabathi. Kodwa zikhona ezinye izinto ezinokubangela ukwehla kwe-Ibex 35, njenge impendulo ekuphuculeni ukugqithisa kumaxabiso angqinelane kwiinyanga ezidlulileyo. Kwaye oko kubangele ukuba kwenziwe uhlengahlengiso kumthetho wonikezelo kunye nemfuno. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Kwimeko enokuba ngumkhwa othatha ixesha elide ukuphuhla.
Ibex 35 ibuthathaka kakhulu
Ukwaphulwa kwezi nkxaso zombini kubangela ukuba ubuthathaka bube bukhulu kwaye bube nkulu kwaye kukho umngcipheko wokuba imali eninzi inokulahleka kwimisebenzi eyenziweyo kwisalathiso sonyulo lwezabelo zamazwe. Kwithiyori, injongo yayo iya kuba ngalo mzuzu kumanqaku ayi-8.500 XNUMX, ubuncinci kwixesha elifutshane. Kodwa ikwayi- imeko eyingozi kakhulu zethuba eliphakathi nelide. Kwinto emiselweyo njengemeko ekufuneka ithathelwe ingqalelo njengexhala kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Apho imithambo-luvo sele ivele khona kwindawo elungileyo.
Ngelixa kwelinye icala, kufanele ukuba kugxininiswe ukuba ayilixesha elifanelekileyo lokuvula izikhundla kwiimarike zezabelo. Kuba enyanisweni, ngeli xesha ayinakulityalwa ukuba ukutyala imali kwimarike yemasheya akunangeniso kuba kuninzi okulahlekileyo kunokufumana izikhundla kwiimarike zesizwe. Ngokusisiseko kuba ukuthengisa umlambo inyanzelisa ngokucacileyo kubathengi. Ukuza kwinqanaba lokufikelela kwisigqibo sokuba eli ayiloxesha lokuzibeka kwezi marike zezabelo.
Amacandelo asesichengeni sokwehla
Onke amacandelo ayachaphazeleka yindlela yokusebenza yesalathiso esikhethiweyo sama-equities kazwelonke. Ngenxa yokuba yonke into ibonakala ibonisa ukuba amaxabiso abo baya kuya ezantsi kakhulu ukususela ngoku ukuya phambili. Phakathi kwezinye izizathu ezininzi, kuba ziintshukumo ezinzulu kakhulu ekunciphiseni kwexabiso kulo mzuzu ngqo. Ngokuziphatha okucacileyo okucekeceke kwicandelo lokhuseleko lwecandelo leebhanki zezona zichaphazeleka kolu luhlu lwezizathu ezivelisa ukwehla kweemarike zezabelo. Apho kwiseshoni enye yokurhweba bawe phantsi nge-2% okanye nge-3%. Ngaphezulu kwamanye amacandelo eshishini.
Ngelixa kwelinye icala, Ixabiso lokujikeleza bangamanye amaxhoba aphambili okuwa. Njengokwesiko kolu didi lweentshukumo zokulungisa kwiimarike zezemali. Kungenxa yokuba zinxulunyaniswe kakhulu nokusetyenziswa kunye nemeko yokudibana ngoku. Ke ngoko, kuyakufuneka ukwahlulwa kubo ukuthintela ukwehla okuphezulu kwepotifoliyo yezokhuseleko ukusukela ngoku. Kungenxa yokuba zininzi ii-euro onokuzishiya usendleleni ukuba izinto azenzeki kakuhle kwiimarike zezabelo.
Umngcipheko unokutshintsha
"Namhlanje umngcipheko uvela phezulu, kodwa imakethi iyazitshintsha ngokukhawuleza ukuze ikwazi ukuguqula imeko yabo nangaliphi na ixesha," baxela isebe lohlalutyo lweBhanki. Apho kucace gca ukuba amathuba okuthetha-thethana kwamaTshayina nawaseMelika aphucukile, kodwa siyaqhubeka nokucinga ukuba lomngcipheko uza kuhlala usebenza kude kube lunyulo lwaseMelika ngoNovemba 2020. Apho zichaphazela khona ukuba uDonald Trump anqwenele ukuphinda akhethwe kwakhona, okunokwenzeka ukuba ayizukuvala nasiphi na isivumelwano ne China esiya kuwucima ngokuqinisekileyo lo mngcipheko.
Ngokuchasene noko, banoluvo lokuba ebenokukhetha lawula ukuvela kothethathethwano ukwenzela ukuba zigcine-kwaye, ngaphezulu kwako konke, zidlulisele kwintengiso-indaleko eyakhayo kunye necothayo. "Kule meko, inani lakhe lothethathethwano liza kuqhubeka liyimfuneko kwaye amathuba akhe okuphinda anyulwe aya kuphucuka. Ungquzulwano neNorth Korea luza kunikezela ngenkqubela phambili efanayo ngenxa yezizathu ezifanayo ”, baqukumbela kuhlalutyo lwabo lwentshukumo yokuhlangana emhlabeni wonke.
Yintoni enokwenziwa ngoku?
Awunakwenza lukhulu ngoku ngaphandle kokuba uyazi rhoxisa izikhundla kwimpahla ngokukhawuleza ngokukodwa. Ngale ndlela, eyona nto inokwenzeka ngoku kukuba singamanzi ngokupheleleyo kwi-akhawunti yethu yokonga. Ukuze sikwazi ukugcina ikapitali yethu yotyalo-mali. Kuba sibaleka ngaphezulu komngcipheko ocacileyo wokuba ixabiso lentengiso likude nexabiso lokuthenga. Umahluko obalulekileyo kuzo onokukhokelela kwilahleko ebalulekileyo kwimali eyinkunzi etyalomaliweyo. Ngaphandle kwezinye izinto zobugcisa.
Ngelixa kwelinye icala, asinakulibala ngeli xesha ukuba ayiloxesha lifanelekileyo lokutyala imali kwimarike yemasheya. Kunjalo ayisiyiyo eyona ndlela yokwenza ulondolozo lwethu lube nenzuzo ngempumelelo ethile kwiziphumo zokugqibela zale ntshukumo. Ngaphandle kwenyani yokuba abanye abahlalutyi kwiimarike zezemali banoluvo lokuba umjikelo weshishini laseYurophu uphumile. Okanye ubuncinci busecicini lokufikelela kule meko, nangona oku kufuna ukuphoxeka kutshanje kwezinye zezinto eziphambili kuqoqosho lwamazwe. Ukuza kuthi ga kwinqanaba lokudimaza abanye abatyali mali abancinci nabaphakathi.
Hlehlisa izikhundla kwiholide
Enye yeengcebiso eziluncedo kuzo zonke iiprofayili zabatyali zimali kukuba baya eholideyini benemali epheleleyo kwiakhawunti yabo yokujonga. Ukuthintela ukothuka okungaphezulu kwesinye kwezi ntsuku zoxolo kunye nokuphumla. Akucetyiswa ukuba imisebenzi engeyomfuneko ngokupheleleyo Oko kungabeka imali yakho emngciphekweni nangakumbi xa ukunye nabantu obathandayo bonwabele iintsuku ezimbalwa elwandle. Kungaba yinto engekho ngqiqweni kuwe ukuba uvule izikhundla kwiimarike ze-equity kuba unemali encinci oyifumanayo. Ukongeza, uya kuba namathuba okungena kwakhona kwiimarike ze-equity. Kwimizuzu entsonkothileyo njengale yangoku kwaye ngaphezulu kwako konke ngeziqinisekiso ezinkulu zempumelelo.
Njengoko kuya kufuneka uvavanye ukusukela ngoku kwinto yokuba utyalomali kwimarike yemasheya kuncinane kakhulu anokukuxelela kona ngoku. Kwaye ukuba endaweni yoko izisa ngaphezulu kwengxaki enye xa unokumisa izikhundla zakho kwimarike yemasheya okomzuzwana. Nokuba kungathengiswa okanye kuqhutywa kwiseshoni enye yokuthengisa. Xa usitsho ukuba uphume kwiimarike zezemali kufuneka uphume ngokupheleleyo. Ngaphandle kwalo naluphi na uhlobo lwezizathu ezinokukwenzakalisa ukusukela ngoku.
Buyela kumvuzo osisigxina
Enye indlela yokujongana neengxaki zakho zotyalo-mali inokwenziwa ngokungena kwiimarike zengeniso esisigxina. Uneemveliso ezininzi eziphucula inzala abayinikayo kubanini bazo. Kunye Inzuzo ejikeleze i-1% ngentlawulo emiselweyo neqinisekisiweyo minyaka le. Umzekelo, kwibhanki yexesha elimiselweyo okanye kwiimali zotyalo mali eziqinisekisiweyo. Ewe umvuzo oza kuwufumana kwezi modeli zokonga awuninzi, kodwa ubuncinci uya kukuvumela ukuba uzole kwezi ntsuku zimbalwa zizayo. Akukho nto encinci kunye nomngcipheko wokusebenza kwiimarike ze-equity.
Okokugqibela, qaphela ukuba esi sisicwangciso sotyalo-mali onokuyisebenzisa manqaphanqapha hayi rhoqo. Kukulungele ukuba uyithathele ingqalelo le nto xa uhambisa olu hlobo lwemisebenzi kwingeniso esisigxina. Njengotyalo-mali lwebhulorho ngaphambi kokuba imeko yezobugcisa yoluhlu olukhethiweyo lwee-equity zaseSpain ziphuculwe, i-Ibex 35. Ngenxa yesi senzo, uyakuthintela isimanga esibi kakhulu kwi-akhawunti yakho yobuqu. Oko kukuthi, emva kwayo yonke loo nto, imalunga nantoni ngoku.