Ii-asethi ezikhuselekileyo zokujongana nemarike yemasheya ngexesha lentlekele

asethi

Okubi kakhulu okunokwenzeka kukuba isalathiso sesitokhwe saseSpain sisondele kakhulu Amanqanaba angama-9.000. Kodwa ungaya ngentloko ezantsi umendo Ukuqhekeza umdlali webhasi. Xa kunokwenzeka ukuba abatyali zimali abancinci nabaphakathi banokuphulukana nee-euro ezininzi kwimisebenzi yabo kwizabelo ukususela ngoku. Oku ubuncinci yenye yeemeko ezibangelwe yimarike yemasheya yekota yokugqibela yonyaka. Apho ukuthengisa kunyanzeliswa ngekristale ecacileyo xa kuthengwa.

Iialamu zicacisiwe kwinxalenye elungileyo yabatyali mali kwaye uloyiko lokuba kwizikhundla ezivulekileyo kwimarike yemasheya yaseSpain ingaphezulu kokufihlakeleyo. Hayi ngelize, i umthamo wekhontrakthi iye yehla ngokukodwa kwezi nyanga zehlobo. Kukho iimali ezininzi esele zirhoxisile iimali zazo kwizabelo zaseSpain. Ewe akukho zinkwantya kwiipaki, kodwa kukho ithemba elingahlali ixesha elide. Ukuza kuthi ga ngoku ukuba imisebenzi yehle kakhulu ngeli xesha.

Nangona iibhanki ikwangabo abatyhola uninzi lwale meko ixhalabisayo, ikwachaphazela amanye amacandelo emarike yemasheya ngokubaluleka okuthile. Lixesha elifanelekileyo lokujonga ukhuseleko kunye neeasethi zemali ezisebenza njengendawo yokusabela kumaxesha okungazinzi okubonelelwa zizabelo. Ngexesha xa ingeniso akahambi ngawona maxesha mahle. Hayi kangako. Ukuba akunjalo, ngokuchaseneyo, ibonelela ngenzuzo encinci encinci edlula amanqanaba e-1,50%.

Iimpahla ezinokuhanjiswa kwezahlulo

izahlulo

Enye yeendlela esinikwa yimarike yemasheya ngalo mzuzu kanye yile yezokhuseleko ezihambisa izabelo phakathi kwabanini zabelo. Isicwangciso esisebenzayo kakhulu sokuhlaziya lo moya uveliswayo kwimarike yemasheya. Akunakulityalwa ukuba ngalo mzekelo wotyalo-mali inzuzo ye ukuya kuthi ga kwiipesenti ezingama-7. Ipesenti enganikwanga ngayo nayiphi na imveliso yemali, ubuncinci iyakuqinisekisa kwasekuqaleni. Ngale ndlela, kufanelekile ukukhumbula ukuba iidipozithi zekota, amanqaku ezithembiso ebhanki okanye iiakhawunti ezihlawula kakhulu azinikezeli nge-1%.

Zininzi izitokhwe ezizisa olu phawu lubaluleke kakhulu kwaye unokukhetha kumacandelo amaninzi emarike yemasheya. Nangona kunjalo, yimodeli yotyalo-mali ejolise ikakhulu kwixesha eliphakathi nelide. Ukuba uzimisele ukugcina imali ixesha elide, kunjalo yenye into ekufuneka uyenzile yenza ubutyebi bakho bunenzuzo abasebenzi abaphumeleleyo. Ngaphandle kwezabelo ezicatshulweyo kwiimarike zezemali kuba eyona nto ibalulekileyo kukuba uya kuba nomdla oqinisekileyo kunye noqinisekisiweyo minyaka le.

Inzala ezinzileyo neqinisekisiweyo

Ukwahlula-hlukana sisicwangciso esithandwayo kakhulu kwiprofayili yotyalo-mali yokuzikhusela ngakumbi okanye egcinayo ethi, ngaphezulu kwako konke, ifune ukugcina ikomkhulu labo. Ukongeza, iyahambelana ngokubanzi neenkampani ze ikepusi ephezulu ezizinzileyo kwaye zincinci ezinikwe intelekelelo. Kule meko awuyi koyika, kodwa ungafumana ingeniso ethe kratya kuyo yonke imithambo, ngaphandle kokuqinisekiswa ziimarike zemali. Ukuya kwinqanaba lokuba unokwenza ibhegi yolondolozo oluzinzileyo kancinci kancinci kwaye ngaphandle komngcipheko ogqithisileyo wokuqesha.

Ngoku, Akukho mveliso iqinisekisa le nzuzo, akukho kwingeniso emiselweyo okanye ezinzileyo. Ke ngoko, unokufumana ngaphezulu kokulahleka kwesi sicwangciso sotyalo-mali esahlukileyo. Awungekhe ulibale ukuba yimali onokuyithemba minyaka le, kuba iqinisekisiwe kwasekuqaleni. Ngemida yokulamla ephuma kwi-3% ukuya kwi-7% kwaye ke unexabiso elininzi onokukhetha kulo kulwabiwo lwezahlulo. Konke oku ngaphandle kokushiya izikhundla zakho kwizabelo. Ngaphandle kwemeko yokungazinzi okukhulu okuhamba kwiimakethi zesitokhwe, ngakumbi eyaseSpain.

Khangela iibhondi ezibonelela ngokhuseleko

i-USA

Enye into enokuthi yenzeke kwimeko yangoku yamazwe aphesheya ibonakaliswe ziiasethi ezinikezela ngokuzithemba okukhulu. Kwaye kule ngqiqo, iibhondi zinokuba lukhetho oluchanekileyo, okoko luvela kwilizwe elenza ukhuseleko. Njengomzekelo, kwi EUnited States ngoku. Kuyinyani ukuba inzala ebonelelwe lolu tyalo-mali ayikho phezulu kakhulu, kodwa ubuncinci awuyi kuphulukana nemali ekusebenzeni emva kwayo yonke le nto iyiyo. Eyona ndlela yokuthatha isikhundla kule mveliso yemali kukusebenzisa ingxowa mali.

Kungcono kwingxowa-mali kuba iyavuma yahlula-hlula utyalomali kunye nezinye izinto zexabiso eziyimali, zombini zisuka kwingeniso engaguquguqukiyo nengafaniyo. Ukuza kuthi ga kwinqanaba lokuba uya kuphelisa umngcipheko kwizikhundla ezithathiweyo ngemali. Nokuba kulawulo olusebenzayo olunokuziqhelanisa nazo zonke iimeko zeemarike zezemali, nokuba zezona zimbi njengoko kunokuqikelelwa okwangoku. Kwelinye icala, unethuba elihle onokukhetha phakathi kweemodeli ezininzi kunye nobume obahlukeneyo. Ngeekhomishini ukuba kwezinye iimeko zinokufikeleleka ngakumbi kunokuthenga kunye nokuthengisa izabelo kwimarike yemasheya.

Ukunyusa inzala kulondolozo

Ukuba ungumtyali mali okhuselayo, uyakuhlala unesibonelelo seemveliso zebhanki ebomini kwaye ukusukela ngoku uya kuyiphucula inzuzo yakho. Ngenxa yoko kubonakala kwangaphambili ukunyuka kwamaxabiso Inzala kummandla we-euro kwaye iya kuvelisa ukuba banenzuzo encinci kunangoku. Ngale ndlela, ukhetho olulungileyo lunokulala ekutyikityweni kwedipozithi yebhanki kunye nexesha elide elisisigxina elinyusa inzala eliyakukunika ingxelo kubabhalisi bayo. Ubuncinci ixesha lesigaba kunye nokungazinzi kwiimarike zesitokhwe kunye nokunciphisa umngcipheko ekusebenzeni kwemali.

Kwelinye icala, kufanele ukuba kukhunjulwe ukuba ezi mveliso zokonga zilungiselelwe naluphi na uhlobo lomgciniNgaphandle kwezithintelo. Ayizomodeli ezintsonkothileyo kwaye unokuziqesha ngexabiso eliphantsi lemali. Esi sesinye sezibonelelo zalo ngaphezulu kwezinye iifom zotyalo-mali. Kuyakukunceda uvavanye ukufaneleka kokuqeshwa kwakho kumaxesha akhoyo okuhlangana nabatyali mali. Ngayiphi na imeko, yenye yeendlela onokuzivavanya ngeli xesha nangaphaya kokunye ukuqwalaselwa kobuchwephesha.

Uninzi lwamacandelo okuzikhusela

ukondla

Ngayiphi na imeko, kukho uthotho lweesitokhwe kwii-equities ezinokuthi zenze ngcono kunomyinge wee-indices eziphambili zesitokhwe. Ezinye zazo zezo izixhobo zokhuselo nezomkhosi Babona indlela ezinconywa ngayo izenzo zabo ngamandla athile kule mihla. Ingxaki ilele kwinto yokuba zimbalwa kakhulu izindululo ezinjalo kwii-equities zesizwe. Ukuya kwinqanaba lokuba awunakukhetha ngaphandle kokuya kwezinye iimarike zezemali, ezinje nge-United States, eneekhomishini eziphezulu eziza kwenza ngokungathandabuzekiyo imisebenzi yakho ibize kakhulu.

Olunye ukhetho kwimarike yesitokhwe kukuya kwixabiso elinxulunyaniswe nokusetyenziswa okuphambili. Elinye lala matyala limelwe yi iinkampani zokutya. Ngamaxesha anzima, banokusebenza okungcono kwimarike yemasheya kunabanye. Ngamaxabiso amancinci kakhulu kumaxabiso kwaye oko kukuvumela ukuba wenze ipotifoliyo ezinzileyo yotyalo-mali kule minyaka imbalwa izayo. Umahluko phakathi kwexabiso eliphakathi kunye nelona xabiso liphantsi, ukuze ufumane umvuzo omncinci kwizikhundla zabo.

Ukubheja ekunciphiseni kwimarike yemasheya

Njengecebo lokugqibela, uhlala ubheja kwimali engenayo eyahlukileyo, nangona le misebenzi ithatha umngcipheko ogqithisileyo ongenakukwazi ukuwuthatha ngexesha elinzima njengangoku. Kungenxa yokuba kuyinyani ukuba unokufumana imali eninzi kwizikhundla zabo, kodwa ngenxa yesizathu esifanayo  kukushiyele ii-euro ezininzi kunjalo nje. Kuya kufuneka usebenzise esi sicwangciso sikhethekileyo ukuba ucinga ukuba imarike yemasheya inohambo oluhle lokuya ezinyangeni ezizayo okanye nakwiminyaka.

Le nkqubo yotyalo-mali inikwe amandla ekuthengweni nasekuthengisweni kwezabelo nakwezinye iimveliso zezezimali. Umzekelo, mali mali okanye iimvume kunye nesicwangciso-qhinga sabo sikhona kwii-equities stocks, kumacandelo nakwi-indices Nangona kunjalo kufuneka ubonelele ngokufunda ngokusetyenziswa kwezi mveliso zezezimali. Ayothusi into yokuba umahluko omncinci unokuthetha i-euro ezininzi kwimisebenzi eyenziweyo.

Imida emxinwa imxinwa kakhulu kwaye kuya kufuneka uyazi ukuba usebenza njani kwezi asethi zemali njengabanye abambalwa. Kwelinye icala, usenokungabikho kwimeko efanelekileyo yokuthengisa ngenxa yezizathu ezahlukeneyo. Nangona ekugqibeleni isigqibo siza kuxhomekeka kuwe kuphela, kuxhomekeke kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi kwaye kwimeko nganye iyakuba ngokwahlukileyo ngokupheleleyo, njengoko unokuqonda ngeli xesha.


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