Iimali zesalathiso, ziziphi izibonelelo kunye nezinto ezingalunganga kuzo?

Isigqibo seBhanki eNkulu yaseYurophu (i-ECB) yokwehlisa ixabiso lemali kwaye siyishiye kwi-0% sikhokelele ekuhambeni kwemali idluliselwa ukusuka kwiidiphozithi ukuya kwiimali zotyalo-mali. Esi sesinye sezicwangciso apho abatyali mali kufuneka benze iiasethi zabo zinenzuzo. Ngenxa yolu mkhwa kwilizwe lemali, iimveliso ezintsha ziyavela ukuphucula imida yenzuzo yakho. Ngale ndlela, enye yeemodeli ezintsha yingxowa-mali yesalathiso.

Yimveliso edityaniswe ngokukodwa kwii-equities, kodwa phantsi kweemeko ezikhethekileyo nezingqongqo kakhulu. Esona sicelo saso siphambili kukuba iyiphinda ngokuthe ngqo indlela yokuziphatha kwesalathiso sesitokhwe, nokuba yeyiphi na. Ingaba yi-Ibex 35, iDax, iCAC 40, i-FTSE 100 okanye nayiphi na enye yeemarike zamanye amazwe. Igalelo elikhulu lale modeli yotyalo-mali isalathisiweyo ilele kwinto yokuba uya kuqokelela ukunyuka okanye ukuhla kwesalathiso esikwikhontrakthi. Ngaphandle kokwahluka, njengakwimeko yemali yokulingana yotyalo mali. Akumangalisi ukuba ezi zithande ukubonisa ukuphambuka okuncinci kwi-asethi yazo yesalathiso. Kungenxa yokuba zivulelekile kwezinye iintlobo zotyalo-mali, okanye ngenxa yokuba ipesenti yabo ayisiyiyo eyokwenyani.

Ngale ndlela, ukuba, umzekelo, isalathiso esikhethiweyo semarike yaseSpain inyuka nge-2%, ingxowa-mali yesalathiso iya kuqokelela ipesenti efanayo. Akukho ngaphezulu okanye ngaphantsi, 2%. Ngelixa kwimeko yemali yotyalomali esekwe kule index, banokuqikelela esi siphumo, kodwa ngaphandle kokubonisa amanani afanayo. Lo ngumahluko ophambili onikezelwa yile mveliso yemali kubagcini. Igalelo lawo lokwenyani kukuba liziphatha ngokungathi ukonga kutyalwe ngqo engxoweni. Ngaphandle kwabalamli bezezimali njengabanye mali mali.

Phinda phinda ubukho besalathiso

Zininzi izibonelelo ezenziwa zizalathiso kubatyali mali abancinci. Abokuqala kubo ukuba bazi ngalo lonke ixesha ukuba ipotifoliyo yotyalo-mali iqhubeka njani. Ngapha koko, abaxhomekekanga kwezinye iiasethi zemali. Ngenzuzo eyongezelelweyo abanokukhetha kuyo kwintengiso yemali elona lifanelekileyo ngawo onke amaxesha ngokusekwe kwiprofayile yakho. Kwimeko yodwa yokukhetha isalathiso esinye kuphela. Ayisekelwanga kwizitokhwe okanye kumacandelo ezabelo ezinokuthi zinike umfanekiso ogqwethekileyo wokuba yeyiphi indlela yokuziphatha yokwenyani yeemarike zentengiso.

Elinye igalelo lolu hlobo olukhethekileyo lotyalo-mali kukuba ngokubanzi ineekhomishini zolawulo nokugcinwa kwazo. kukhuphiswano ngakumbi Ngaphandle kwezinye iimveliso ezineempawu ezifanayo. Ukuya kwinqanaba lokuba ukonga ngokubhekisele kwiimali zakudala zotyalo-mali kunokufikelela kwi-1% yale nto. Ngaphandle kokwenza nayiphi na inkcitho eyongezelelweyo ngexesha lokuyiqesha, okanye ekuphelisweni kwayo.

Izinto ezingalunganga ekuqeshweni

Nangona kunjalo, ayizizo zonke izibonelelo ekuqeshweni kwakho. Banikezela ngee-shades ekulungele ukuba zivavanywe ngaphambi kokwenza ngokusemthethweni. Inkqubo ye- ubukho obuncinci bezi mveliso kunikezelo lweebhanki yeyona iphambili. Ngenxa yale meko, abagcini-mali ngamaxesha amaninzi kuye kufuneke baye kubaphathi botyalo-mali abanazo kwiipotifoliyo zabo. Enye ingxaki enokufunyanwa kukuba abanaso isalathiso sesitokhwe esifunwayo, kwaye umxhasi kufuneka abhalise enye ebebengenayo ekuqaleni. Isininzi ekunikezelweni kwayo ayisiyiyo enye yeempawu zayo ezichaziweyo.

Ayenzeki njengokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya, apho indlela yokuziphatha ebhetele (okanye embi) kunentengiso inokwenziwa. Kwi-indexed oku akunakwenzeka nangayiphi na indlela. Baya kufumana okanye balahle imali ngokuthe ngqo ngokuvela kweemarike zezemali. Kuya kufuneka ulumke kakhulu xa usenza okusesikweni, kuba ngamanye amaxesha banika ixesha elincinci lokuhlala ngokusisigxina. Oku kuthetha ukuba ukonga akunakwenziwa ukuba kufumaneke okwexeshana. Ukuhlangabezana neendleko zomtyali-mali: isikolo sabantwana, uxanduva lwerhafu okanye naliphi na ityala kubantu besithathu. Akuvumelekanga ukukhululwa okanye ukukhululwa ngokupheleleyo., njengokuba kwelinye icala kuyenzeka ngeemali zotyalo mali eziqhelekileyo.

Ukubonakaliswa kwimingcipheko emikhulu

Njengoko zingenakunxulunyaniswa nezinye iiasethi zemali, zithintelwe ekujonganeni namaxesha okungazinzi okukhulu kwiimarike zezabelo. Ngenxa yoku kubaluleka kwezalathiso, abatyali zimali abathathe izikhundla zezi ezingakhuselekanga ngakumbi ngaphambi kweemeko ze-bearish zentengiso yemasheya, ukuwa okukhulu okanye nokuphazamiseka kwiimarike. Ngenxa yoku, ayifanelekanga kakhulu ukuba uyirhumele ixesha elide kakhulu lokuhlala. Kodwa ngokuchaseneyo, ukuthatha ithuba lamaxesha abanzi ezabelo.

Zezinye zeendlela zokudibanisa kulawulo lwentetho lotyalo-mali. Injongo yayo kuphela kukuphindaphinda i-asethi yezemali, kule meko ngokusebenzisa i-index index ethile. Apho imali yesalathiso yenye yezona zimeli ziphezulu zenye indlela yotyalo mali. Kungcono okanye kubi kunezinye iindlela, kodwa kuya kuxhomekeka kwiprofayili eziswa ngumtyalomali ngalo lonke ixesha. Kuya kufuneka uthathe isigqibo sokuba uyokuya na ulawulo olusebenzayo okanye olungenziwayo. Ngayiphi na imeko, abayi kuqinisekiswa ngayo nayiphi na imbuyiselo kwi-capital invested. Ngokukodwa, ngalo nyaka, ingxowa-mali yesalathiso se-Ibex 35 ineelahleko ezifanayo njengolu luhlu ngokubanzi lwentengiso yemasheya yaseSpain.

Izitshixo ezili-10 zokukhetha isalathiso

Ewe, umtyali mali ophakathi unezizathu ezininzi zokukhetha le mveliso yezemali njengentshatsheli kwisicwangciso sabo sotyalo mali. Eminye yokunyanzelwa okukhulu, kwaye abanye bavulekele kwingxoxo-mpikiswano ebanzi. Ngayiphi na imeko, izibhengezo ezikhetha le klasi yemali zixhaswe zezi zinto zilandelayo sinikezela ngazo apha ngezantsi. Kuya kufuneka ubathathele ingqalelo ukusukela ngoku.

1. Yimodeli yotyalo-mali leyo uninzi lwezinto ezintsha kwaye izama ukuziqhelanisa neemfuno ezintsha zabatyali mali abancinci nabaphakathi. Ngaphantsi kweendlela ezahlukeneyo zokuqesha. Zombini kwimo nakwimo.
2. Imodeli yotyalo-mali, nangona ilandela umgca wentshukumo oqhubela phambili, iqala ukusuka kwindawo yodidi lokulungiselela. Thatha umkhwa kwii-equities ngamandla apheleleyo. Zombini ngengqondo nakwezinye. Elula njengaleyo.
3. Ayivumeli intelekeleloKwaye akukho ntshukumo ingaqhelekanga kukuziphatha kweemarike zezabelo ezisekwe kuzo ezi mveliso zezezimali. Babonisa ngokuthembekileyo imeko yesitokhwe seseshoni nganye.
4. Abavumeli nakuphi na ukuphambuka kwizalathiso zesitokhwe, ukusukela oko Ziyifoto ethe ngqo kunye nezinzileyo kwizicatshulwa kwezi indices. Ewe kunjalo, ngaphezulu kakhulu kwemali yokulingana esekwe kubulungisa ethengiswa phantsi kwemigangatho yemveli.
5. Kulolu hlobo lotyalo-mali, awuvuli ndawo kukhuseleko olunye okanye olunye. Kodwa ngokuchaseneyo, uthatha isigqibo sokutyala imali yakho kwiqela lemarike yemasheya evela kwiindawo ezahlukeneyo zejografi yamanye amazwe. Nangona ayizizo zonke ezifumanekayo kwibhanki yakho okanye kumlamli wezezimali.
6. Awuyi kuzola kutyalo-mali lwakho, kodwa ubuncinci uya kwazi ngawo onke amaxesha ukuba zeziphi na ii-asethi eziyimali apho kugcinwa khona imali yakho. Kunye ukubeka iliso ngokulula nangokulula. Ngaphezulu kwezinye iimodeli zokonga ngakumbi kunale.
7. La Ingxowa yeSpanish Ikhuselwe kakuhle zezi mali. Ayothusi into yokuba iinkampani ezininzi zolawulo ziye zagqiba ekubeni zenze iifomathi ngezi mpawu zikhethekileyo. Ezinye zazo ziyafumaneka kumaziko ezemali ngokwazo ukuzithengisa kubathengi bazo.
8. Abayicingi wena akukho ndleko zongezelelweyo. Endaweni yoko, baya kufuna iikhomishini ezifanayo kunye nenkcitho yolawulo njengakwezinye iimodeli zolondolozo ezimelwe yimali yotyalo-mali esekwe kwiimarike zezabelo.
9. Kulula kakhulu ukuziqonda kunabanye. Ukuya kwinqanaba lokuba kufuneka yazi iikowuti yee-indices zesitokhwe ukubonisa ukuba loluphi olona lwenyuko lokonga kwakho. Kwimizuzu embalwa uya kuyazi kwaye nakukuphambuka okuncinci kumaxabiso abo.
10. Ayizukubandakanya ukuthatha umngcipheko omkhulu. Iya kufana nakwezinye iimali zotyalo-mali. Ngokubhekisele kwiimarike zezabelo. Kuvumelekile, ngakolunye uhlangothi, nayiphi na uhlobo lweprofayili oyiphuhlisayo njengomtyalomali ophakathi. Ukusuka kwezona zinoburharha ukuya kulondolozo oluphezulu.

Abanye bayathandabuza ukuba ibonakalisa

Kukho uthotho lwamathandabuzo okuba ezi mveliso zezezimali zibambe. Zixabiseke ngokulinganayo kuwe ukuba ujonge ukuba ziyahambelana ngokwenene nolindelo lwakho njengomsebenzisi kolu didi lweemodeli zezemali. Ukusuka kwezi ngqwalaselo zilandelayo.

• Ngokuqinisekileyo azifakwanga kwicandelo lebhanki. Ne ukungabikho kwabaninzi babo. Ukuya kwinqanaba lokuba kungakuthatha ixesha elide ukubafumana kwezi meko. Unikelo, ke ngoko, lusezantsi ngokubhekisele kwizindululo zalo.
• Ziyimali yeprofayile ye- umthengi ochazwe kakuhle. Uyayazi into oyifunayo kwaye uthanda ukwahlulahlula utyalomali lwakho nakweyiphi na imeko enokuvela kwasekuqaleni.
• Ngelixa zininzi kulula ukuyiqonda, iimodeli zabo zisenokungaziwa kakuhle kubo bonke abatyali mali abancinci nabaphakathi. Ngeefomathi ezifanayo ezifanayo ezingancedi ukubonisa umahluko ophathekayo phakathi kwazo.
• Ngoku, Ukubonelelwa kwemali yenkcazo kunqabile. Ngeengxaki ezithile ukuze ube nokuziqesha ukusukela ngoku. Ayothusi into yokuba urhwebo lwayo alunamandla njengeemveliso zesizwe.