Izixhobo njengecebo lokuzikhusela kutyalo-mali

Xa ukhetha ukutyala imali kwiimarike zezabelo, esinye sezigqibo zokuqala kuya kufuneka usenze kukuba ngawaphi amacandelo emarike yemasheya akunika eyona ntembelo inkulu, kwaye ke ngoko anolwazelelelo lokwenza ngokusemthethweni ukuthengwa kwakho kwiimarike. Kuyinyani ukuba ukunikezelwa kubanzi kakhulu, kodwa phakathi kwazo zonke zibonakala zodwa ngenxa yeempawu ezizodwa. Bayabizwa eziluncedo, kwaye mhlawumbi ukhe weva ngabo ngaphezulu kwesihlandlo esinye, ngakumbi ukuba ungumtyali mali onamava athile.

Ewe, izixhobo zonxibelelwano zinxulunyaniswe neenkampani ezikwicandelo lombane, ezinobunzima obubaluleke kakhulu, hayi kuphela kwimarike yaseSpain, kodwa phantse kuzo zonke izikwere zamanye amazwe. Baya kuvelisa izibonelelo amanye amacandelo ezabelo anokungabikho kuzo. Kwaye nakweyiphi na imeko kulungile ukuba uyazi ngoku ukuba kunokwenzeka kwimihla embalwa elandelayo ukuba ukhethe kulo naliphi na amaxabiso alo.

Kwindawo yokuqala, uya kufumana elinye lawona macandelo anempembelelo kwimarike yaseSpain eqhubekayo, nanjengamalungu eempembelelo Iichips eziluhlaza. Kwaye loo nto imelwe ziinkampani ezinkulu ezinkulu njenge Iberdrola, i-Endesa okanye iGesi yendalo, phakathi kwezona zibalulekileyo. Ngokuqinisekileyo uya kuwazi amagama abo, kunye neendlela zabo zeshishini. Ayilolize, ngayo yonke ingqiniseko yokuba ungumthengi wenye yezi zinto ziluncedo, ungobathengisi bonikezelo lombane kwikhaya lakho.

Iimpawu zayo eziphambili

Amalungu ale klabhu yentengiso yesitokhwe ekhetha ukuba zizinto eziluncedo ziphuhlise iminikelo eyahlukeneyo eya kuthi ibenze bangaphazanyiswa emehlweni abo nabaphi na abatyali mali abancinci okanye abaphakathi, njengoko kunjalo kwimeko yakho. Olu lukhuseleko olubonelela ngozinzo olukhulu kwipotfoliyo oyakhayo. Ungalindelanga ukuphononongwa okukhulu kwindaleko kwiimarike zamasheya, kodwa kwangaxeshanye, awuyi kutshona nabo. Abaqhele ukuqhuba ujingi olukhulu kumaxabiso abo, kwaye umahluko phakathi kokuphakama kwayo kwemihla ngemihla kunye namaxabiso asezantsi kwixabiso lawo ngokubanzi awuxabiseki kakhulu.

Banikezela ngotyalo-mali ngokhuseleko olukhulu kuba ziinkampani ezineshishini elisekwe ngokupheleleyo, ezivelisa izibonelelo ezibonakalayo minyaka le. Ngenxa yoko, bahambisa izabelo phakathi kwabanini zabelo. Kwaye yenye yezona ziphezulu kwimarike yaseSpain, kunye nembuyekezo yonyaka phakathi kwe-4% kunye ne-8%. Le nyani yenza amawaka abagcini abancinci bakhethe olu khetho xa bephuhlisa iphothifoliyo yabo yotyalo-mali. Ngokukodwa unikwe inzuzo ephantsi enikezelwa ziimveliso zebhanki zemveli zokonga (iidiphozithi, amanqaku ezithembiso, iibhondi, njl. Njl.

Ngokubanzi uhlaziyo lwabo (okanye ukwehla) kule minyaka idlulileyo khange kubenomtsalane kakhulu, kodwa kuqhutywa ngokumodareyitha okuthile. Ukusuka kulo mxholo ngokubanzi, zenziwa njengezithuthi ezifanelekileyo kakhulu ukuhambisa utyalomali kwixesha eliphakathi nelide. Ukuba ngabanini-mali abakhuselayo abanomdla wokukhetha. Ayothusi into yokuba abanye babo benze imisebenzi yabo yokungenisa ibhegi yokonga iminyaka eliqela emehlweni.

Ewe kunjalo, azicetyiswa ukuba zisebenze ngokuqikelela, kuba aziboneleli ngesiqinisekiso sisezantsi esifunwa yile profayile ikhethekileyo yabatyali mali. Nokuba ngamagama amafutshane kakhulu, apho inzuzo enokufunyanwa ingekho phezulu kakhulu, okanye ubuncinci isezantsi kunaleyo iveliswa ngamanye amacandelo emarike yemasheya.

Unokutyala njani imali kwizinto eziluncedo?

Ukuthatha isikhundla kolu khuseleko, akusayi kubakho khetho ngaphandle kokubhalisela izabelo kwezinye zeenkampani ezidweliswe kwimarike yaseSpain, nakwezinye iimarike zamanye amazwe. Ziinkampani ezinkulu ezenza imali, apho izihloko ezininzi zitshintshwa yonke imihla phakathi kwabatyali mali. Ziyenzeka ukuba zezona zithengiswa kakhulu kunikezelo lwangoku lwee-equities. Ngokukwanjalo, banikezela imeko efanayo kwixabiso labo kuleyo ibonakalisiweyo kwii-indices zabo zesitokhwe.

Abaphathi beemali ezinkulu, kunye nabarhwebi ababalulekileyo, kwelinye icala, bahlala bejonga ezi nkampani ukuba zenze iipotfoliyo zazo zotyalo-mali, kodwa neengxowa mali zotyalo mali. Ngokubeka esweni ixesha lokuzivelela kwabo kwiimarike, ukuya kuthi ga kwinqanaba lokujonga rhoqo ixabiso ekujolise kulo abazabela izabelo zabo. Ngamanye amazwi, Inkxaso kwiimarike, ebonelela ngokhuseleko olukhulu kwimisebenzi onokuyenza ngokusesikweni ukusukela ngoku.

Kodwa zikhona ezinye iindlela zokutyala imali kolu khuseleko, ukongeza uninzi kwisindululo solungiselelo. Enye yazo ivela Imali yotyalo-mali okanye ii-ETFs, ubume bazo busekwe ngokukodwa kukhuseleko kwicandelo lombane. Kwaye oko kuyakuvumela ukuba uhlukanise utyalomali lwakho, kwaye ukhusele iiasethi zakho ekusebenzeni kakubi kwenkampani enye kwimarike yemasheya.

Nokuba ucinga ukuba kwiiseshoni ezilandelayo inokulihlisa ixabiso, unokukhetha ukusebenza ngokuchaseneyo, okanye neziqinisekiso, nangona kule meko uphantsi komngcipheko omkhulu kwinkqubo yokuvula izikhundla. Kodwa kuyo nayiphi na imeko, iya kuba sisilumkiso sokuba ungatyala imali kweli candelo ngaphaya kweemarike zesitokhwe. Kwanele ukuba nesigqibo sokuhambisa iminqweno yakho, akukho nto iyenye.

Ungabhalisa idizithi yexesha ezinxulunyaniswe noluhlu lwezabelo njengendlela yokunyusa inzuzo yezi mveliso zengeniso esisigxina. Kwaye ziqhutywa ziibhanki ukuzinyusa phakathi kwabathengi bazo.

Ufumana ntoni ngokuthenga kwakho?

• Ukuzola okukhulu, ngaphandle kokuba utshintshe ngesiquphe kubutyebi bakho, Kwaye ngaphandle kwesiqhelo kufuneka ubandezeleke kakhulu ngokuvela kwayo kwintengiso yemasheya. Ayothusi into yokuba azizukubangela ilahleko yokulala ezininzi ebusuku.
• Ithuba lokudala ifayile ye- yokonga ibhegi ixesha elide, yonyuswe ngentlawulo zesahlulo oza kuzifumana minyaka le okanye kwisemester, ngokomgaqo-nkqubo wemivuzo wenkampani nganye.
• Ngamaxesha okuhlaziya kwiimarike zezemali ukwehla kwakho kuya kuncipha, ukuba endaweni yoko ukhetha amanye amacandelo emivuzo eguquguqukayo: ukubhenka, ii-telecos, itekhnoloji entsha, okanye neenkampani ezinxulumene nokusetyenziswa.
• Ithuba ukulungelelanisa utyalomali lwakho kunye nezinye izikhundla ezinoburharha eziza kuvela kumacandelo ahambelana ngakumbi nokukhula koqoqosho. Kwaye balungele ukwenza isivumelwano kwizabelo zabo nanini na, kwaye phantsi kwazo zonke iiprofayili njengomtyali mali othengisa.
• Awuyi kulungiswa kukutshintsha okunamandla kumaxabiso abo, kuba ngesiqhelo yenza intuthuko encinci okanye ukuwa Kwiseshoni nganye yesabelo-mali.

Izitshixo ezilishumi elinanye zokutyala imali kula maxabiso

Ukuba emva kokuhlalutya izibonelelo kunye nokungalunganga okubonelelwa zizinto eziluncedoUkuba ukhetha le modeli, kuya kucetyiswa kakhulu ukuba uvumele ukuhanjiswa yimigca yesenzo esinceda ukuhambisa utyalomali lwakho ngokuchanekileyo. Ukuqala kwiimpawu ezizodwa eziboniswa licandelo lonke lombane, ungalibali, nangona kukho umahluko othile kwamanye amacandelo emarike yemasheya.

Kwangokunjalo, abayi kukhuthaza nje ukuba wonge imali yakho, kodwa bakukhusele nakwimbonakalo engenakulungelwa wena. Ukuthathela ingqalelo ukuba yenye yeendlela ubuninzi bezokhuseleko ngabasindisi baseSpain, nokuba yeyiphi na iprofayile yabo. Ekugqibeleni, ukukhokelela ekujongeni iinjongo zakho zokusebenzisa izikhundla zakho ezivulekileyo kwimarike yemasheya.

1. Ungazami ukwenza imisebenzi enenzuzo kakhulu kwiiseshoni ezimbalwa zokurhweba kuba ayizizo ezona amaxabiso afanelekileyo koku, kwaye kuya kuba bubulumko ngakumbi ukuba ukhethe abanye abathatha oku kunokwenzeka nokhuseleko olukhulu. Amathuba awayi kusilela, ngokuqinisekileyo.
2. Ungayifumana ingeniso esisigxina ngumahluko, ngezahlulo ezisasazwa minyaka le phakathi kwabanini zabelo, kwaye ezinokufikelela kwi-8%. Okungaphezulu kunoko kukubonelelwa ziimveliso zebhanki ngoku.
3. Ayacetyiswa kakhulu amaxabiso ukuba awenze imisebenzi yangaphakathiOko kukuthi, kwiseshoni enye, kwaye ngaphambi koku uya kuba nezinye iinkampani ezidwelisiweyo ezisebenza ukwanelisa le mfuno inokuvela ngamanye amaxesha.
4. Izinto eziluncedo ziinkampani eziqinileyo kakhulu, kokubini ishishini kunye nokuziphatha kwalo kwiimarike ze-equity. Kwaye kuyo nayiphi na imeko baya kubaluleka ekwenzeni iphothifoliyo yotyalo-mali kule minyaka imbalwa izayo.
5. Ku malunga iinketho zokuphikisa, engaxhomekekanga kumjikelo wezoqoqosho ukubonisa uguquko olungcono kumaxabiso abo. Endaweni yoko, baxhomekeke kwidatha yamaxesha onyaka, njengexabiso lombane, uncedo lukarhulumente, okanye nokulawulwa kwecandelo lombane.
6. Ukuba ufuna iimvakalelo ezinamandla, ngophononongo olubalulekileyo, aziyi kuba zezona zinqwenelekayo kuwe uku-oda ukuthengwa kwemarike yemasheya, banokukuqhubela kwisithukuthezi malunga nokukhula okulindelweyo kumaxabiso abo.
7. Isithembiso esenziwa yimarike yaseSpain kuwe ayinabisi kakhulu, kodwa ubuncinci zibandakanyiwe iinkampani ezinobunzima obukhulu kwii-indices ze-equity eziphambili, nangona zineempawu ezifanayo kuzo zonke.
8. Elinye lamacandelo iphendula ngakumbi kwimfuno yomsebenzisi, kwaye awunakulibala ukuthatha izikhundla kuzo, nangona ekugqibeleni uyoncedisa nabanye ngokubaluleka okukhulu kwiimarike: iibhanki, unxibelelwano ngomnxeba, iinkampani zeoyile, njl.
9. Naziphi na iindaba ngaye nyusa iirhafu zakho ikhuthaza amaxabiso ukubonisa ukuvela okuqinisekileyo kumaxabiso abo, nangona ngaphandle kokubonisa uhlaziyo olugqithisileyo, kude nayo.
10. Ukuba ufuna ukubetha ingxowa yokubaluleka okuthile, kuya kufuneka ukhumbule ukuba ayizizo uninzi lwamaxabiso acetyiswayo Esi sicwangciso sentengiso yesitokhwe, nokuba indleko yokuphulukana nozinzo kwizikhundla ezithathiweyo.
11. Awuyi kubambeka kwizenzo zabo nangaliphi na ixesha, kuba ngenxa yabo Ulwelo olukhulu Uyakwazi ukushiya kwaye ungene kwizabelo ngaphandle kobunzima obukhulu, kwaye nanini na uziva uthanda njalo.