Kukho iqela elikhetheke kakhulu labatyali zimali abathengisayo abanamathandabuzo amakhulu ukuba balwenza phi ngokusemthethweni utyalomali lwabo ukusukela ngoku. Ukuba kwiSpanish, North American okanye kwimarike yaseYurophu. Sisigqibo esinzima kakhulu ukwenza esineyona njongo iphambili phucula imida yenzuzo kwiimarike zezabelo. Ukwazi ngawo onke amaxesha ukuba kunokubakho umohluko onokuxabiseka phakathi kweendawo zombini.
Isigqibo sonke sabatyali zimali abancinci nabaphakathi senzelwe ukuthatha ithuba lamathuba oshishino akhuthazwayo kwezi marike zezimali. Kodwa ngento entsha engenanto ngaphandle kokwenza ukugqibezela uhlalutyo kwezi marike ulingano kuthathelwa ingqalelo okuhle nokubi. Ukuze ngale ndlela, senze iimpazamo ezimbalwa kangangoko kulawulo lwenkunzi eyenzelwe intengiso yemasheya. Oko kukuthi, emva kwayo yonke loo nto, yintoni ebandakanyekileyo kwezi meko zichaziweyo.
Kwelinye icala, kubalulekile ukuba nefuthe kwinto ejikelezayo yeemarike zezabelo. Oko kukuthi, ukufumana imali kwimarike yemasheya akufuneki ube uhleli. Ukuba akunjalo, ngokuchaseneyo, kufuneka uhambe ukusuka kwintengiso enye ukuya kwenye kuxhomekeke kwinqanaba lobuchwephesha ezibonisa nganye yazo kwimeko ekhethekileyo. Kanye ngokwahluka okwenzeka ngawo onke amaxesha kwaye okunokunika isikhokelo sentshukumo yokukhetha ezinye zeemarike zezemali ezonakalisa abanye. Inene ilula kwaye akufuneki siphambuke kwezi njongo zisisiseko.
Imarike yemasheya yaseSpain: lixesha?
Ewe yimakethi yokulingana esinayo kakhulu ezandleni zethu, kwaye ngaphezu kwako konke, sazi kakuhle iinkampani ezidweliswe kwimarike yesizwe eqhubekayo. Akukho nto ingaqhelekanga kuthi ukuba sisebenze ngezi asethi zemali kwaye oku kuyinzuzo engathandabuzekiyo ukuba sifuna ukwenza ulondolozo lube nenzuzo ngesiqinisekiso esikhulu sempumelelo. Ngelixa kwelinye icala, inethuba lokuba i iikhomishini kunye nenkcitho kulawulo nolondolozo zifikeleleka lula kunezinye izikwere zamanye amazwe. Ngenxa yesi sizathu, akukho mathandabuzo ukuba siya kuba nakho ukugcina i-euro ezimbalwa minyaka le kwaye siya kuba nakho ukwaba ezinye iimfuno zomntu.
Njengento engeyiyo, inyani yokukhetha iimarike zokulingana zikazwelonke, kukuba sinokulahlekelwa ngamathuba amashishini anenzuzo kakhulu kubo bonke. Kwelinye icala, asinakulibala ukuba isalathiso esikhethiweyo sezabelo zaseSpain sesona siqhube kakubi kakhulu kwiinyanga ezilishumi elinambini ezidlulileyo xa kuthelekiswa nezalathiso zelizwekazi elidala. Le nyaniso inokuyilinganisela inzuzo kwingxelo yethu yengeniso ekupheleni konyaka, njengoko kwenzekile kwiminyaka yorhwebo yakutshanje. Apho ifayile ye- ukungazinzi kwezopolitiko nakwezentlalo zizinto ezisebenza ngokuchasene nale ndlela yokutyala imali kwimarike yemasheya.
Izitokhwe zaseYurophu, kutheni kungenjalo?
Ngaphakathi kwezona ndawo zisondeleyo ziimarike zesitokhwe zaseYurophu kwaye zibonisa amandla ezahlukeneyo apho sinokutyala khona imali yethu ukusukela ngoku. Nangona kunjalo, isimilo sayo sifana kakhulu nemarike yethu yezemali kwaye zinezinto ezimbalwa kakhulu ezinokuthi zixatyiswe. Nangona kwelinye icala, inezokhuseleko ezinokuba ngumdla wokuziqesha ukusukela ngoku ngenxa yamandla abo okuhlaziya kwaye ngaphezulu kwayo yonke into yokubonisa ubuchwephesha obugqwesileyo obusimema ngokungathandabuzekiyo ukuba sithathe izikhundla kwiinyanga ezizayo.
Enye yezona zinto zibalulekileyo kwezi marike zokulingana kukuba zikunika isithembiso esibanzi. Ngeemarike ze Ingxowa yesiFrentshi, isiJamani, isiDatshi, isiGrike okanye isiPolish ukumisela isigqibo sakho sokunxibelelana nehlabathi elinzima lemali. Ngaphandle komzuzu wokuntywiliselwa kwezi indices zamazwe aphesheya. Enye yeengxaki zayo ezifanelekileyo kukuba iikhomishini zemisebenzi yazo zibanzi ngakumbi kunelizwe. Oko kukuthi, kuya kufuneka ujonge kwimida yokulamla ephezulu ukwenza imisebenzi izuze kulo naluphi na uhlobo lwezicwangciso zotyalo-mali. Kodwa kuyo nayiphi na imeko, yenye yeendlela onokukhetha kuzo okwangoku ukuphucula ingxelo yakho yomvuzo.
Izabelo ze-US kwiindawo eziphakamileyo
Ukugula okuphezulu kwamashishini e-United States yenye yeengxaki ezinkulu zokuthatha isikhundla kule ndawo ibaluleke kangaka emhlabeni. Phakathi kwezinye izizathu kuba izilungiso zinokuba nzima kakhulu kwiinyanga ezimbalwa okanye iminyaka elandelayo. Ngale ndlela, enye yeengxaki zale misebenzi kwimarike yemasheya kukuba mhlawumbi le ntengiso yengeniso eguqukayo ihambile kade. Bekuya kuba yimfuneko ukuba ungene ngaphambili ukuze ube nakho ukuthatha ithuba kwi-rally ekhuthazayo ethe le ndawo yafumana kuyo kule minyaka isibhozo idlulileyo. Kodwa ngoku ayiloxesha lililo lokuvula izikhundla kwezinye zeeasethi zemali ezenza isalathiso sesitokhwe kwaye le yinto ekufuneka uyivavanye ukusukela ngoku.
Phantse onke amaxabiso entengiso ye-equity aphakame, kwezinye iimeko zembali. Kwaye kuyinyani ukuba ngaxa lithile le meko kuya kufuneka iphele. Kungenxa yokuba, njengoko abatyali zimali abancinci nabaphakathi besazi, akukho nto inyukayo okanye isezantsi ngonaphakade, kungaphantsi kwimarike yemasheya. Apho ubungozi bunokungafuneki kwaphela ngeli xesha ukusukela kumaxabiso e- izabelo zibiza kakhulu kwiimeko ezininzi. Ukuza kuthi ga kwinqanaba lokuzibuza ukuba kufanelekile na ukungena kwimarike yemali ebikhula unyaka nonyaka. Ngamafutshane, sisigqibo esinzima ekufuneka usenzile ukusukela ngoku.
Izicwangciso zotyalo-mali ekufuneka zithathiwe
Ngeli xesha, elinye lamaqhosha empumelelo yemisebenzi yakho lijolise kulwahlulo oluchanekileyo kwiiasethi zemali zephothifoliyo yakho yotyalo-mali. Ngelixa kwelinye icala, enye yeendlela onokuzisebenzisa ukusukela ngoku ukuya phambili yile inxibelelene nenyaniso yokuba ungakhetha ulawulo olusebenzayo nakuyiphi na kwezi marike zezemali esithe sabhekisa kuzo. Ngale ndlela, unokuziqhelanisa nazo zonke iimeko, ezimbi nezilungileyo. Ukongeza, iya kuba lithuba elifanelekileyo lokusebenzisa amathuba eshishini anokuvela kwiSpanish, North American okanye kwimarike yaseYurophu. Kungenxa yokuba ezi meko ziya kuhlala zivela, nakwintshukumo eguqukayo yeemarike zesitokhwe.
Kwelinye icala, awungekhe ulibale ukuba kunokubakho umahluko obonakalayo ukusuka kwintengiso yezemali ukuya kwenye. Njengokuba kwenzekile ngoLwesithathu odlulileyo apho i-Ibex 35 yehle nge-1,3%, ngelixa i-Eurostoxx 50 yehla kuphela nge-0,3%. Kule meko, ngenxa yokuxhomekeka kakhulu kwicandelo lebhanki kwisalathiso se-equity index. Oko kukuthi, ukuphambuka kule meko malunga ne-1%, ngemali eninzi esengozini ekusebenzeni. Njengobungqina bokuba kufuneka ukhethe kakhulu kwisigqibo osenzayo ukusukela ngoku. Kungenxa yokuba kunemali eninzi onokuyifumana okanye uphulukane nayo nganye kwimisebenzi yentengiso yemasheya kwaye ayisiyongxaki yokuphoswa ngamathuba okuphucula kwiziphumo zotyalo-mali.
Ulwahlulo lotyalo-mali
Enye yezona zinto zinomtsalane kwezi mali zotyalo-mali, ngokweekhontrakthi zabo, kukuba bavumela ababhalisi babo ukuba babeke imali yabo kwingxowa yezokhuseleko ebhalwe kwisalathiso sebhentshi yaseYurophu ngaphandle kokubeka emngciphekweni i-euro enye kubhejo lwesitokhwe olujolise kukhuseleko olunye, ngaloo ndlela kususwe kakhulu umngcipheko, kuba ngokubanzi ezi iipakethi Izabelo zivela kumacandelo ahlukeneyo nakumazwe apho iindlela ezingalunganga ezinokuthi ziboniswe yenye yazo okanye ezinye zazo zithotyelwe ngokubanzi.
Ikwathetha ukuba kwizikhundla zokuthenga iinkampani ezinyibilikayo kakhulu eziza kuba zezona ziqhuba kakuhle ngeli xesha uqoqosho lwaseYurophu luza kuphuma kwingxaki yezoqoqosho ethe yafumana imali eninzi kule minyaka idlulileyo. Nangona kunjalo, iya kuba ngumtyali mali okhethweni lokugqibela okhetha ukwakheka kwezi portfoliyo esele zilungisiwe ngabaphathi, nokuba kungokukhusela izindululo ngaphandle komngcipheko ogqithisileyo, okanye abanye okubandakanya ukuzibophelela okukhulu kubabhalisi babo, kodwa oko njengembuyekezo ikwabonelela ngamathuba amakhulu okuxabisa kwabo kwiinyanga ezizayo kwimeko apho ii-equities zaseYurophu zibuyele kwindlela ephezulu.
Ngoku kufuneka wenze izigqibo zakho kwaye uzame ukwenza ezona mpazamo zimbalwa zinokwenzeka kwintsebenzo nganye kwiimarike zezabelo. Kwaye oko kukuphela kosuku okubandakanyekileyo kule klasi yemisebenzi yemarike yemasheya. Kwiimarike ezifanayo, kodwa oko kubonisa umahluko ongaqhelekanga phakathi kwabo. Njengakwelinye icala kusengqiqweni ukucinga xa kufikwa kwimali kwiintshukumo zemarike yemasheya.