Ukuze le nto ikwehleleyo kunyaka ophelileyo ingaphindi yenzeke, siza kukunika izikhokelo zokuziphatha ukuze wazi ukuba wenzeni xa ipotifoliyo yakho yotyalo-mali kwimarike yemasheya ikwimeko embi. Kwi-2018, isalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35, sasincinci ngaphezulu kwe-15%, ngamaxabiso awileyo ngaphezulu kwe-30%, afana nalawo avela kwicandelo lebhanki. Le yinto ongenakuyivumela le khosi intsha yentengiso yemasheya.
Ingxaki enkulu ekulahlekelweni kwemali kwiimarike ze-equity kukuba izinto zingaya zisiba mbi. Le yinto abatyali mali abanamava ngakumbi kwiimarike zezemali abayazi kakuhle. Kuba bahlala benetyala lokuyenza mandundu imeko yakho. Kwakhona, awungekhe ulibale ukuba ukwehla komhlaba kukhokelela ekunciphiseni okubalulekileyo ekuxabisweni kwezabelo. Kwaye awuzukukhetha ngaphandle kokunciphisa le meko iyingozi kwiminqweno yakho.
Kwelinye icala, asinakulibala uqikelelo oluthile olubonisa ukuba a qoqosho kwinqanaba lehlabathi elinokuba nefuthe elibi kakhulu kwiimarike zezabelo zamanye amazwe. Ngale ndlela, kuvavanyo lweNew York Times kutyhila ukuba ngaphezulu kwesiqingatha seCEO ekwenziwe udliwanondlebe nabo bacinga ukuba kuzakubakho ukudodobala kwemali ngasekupheleni kuka-2019. Kucacile ukuba kangangeenyanga abanye baye balumkisa malunga nokudodobala koqoqosho okunokwenzeka, kodwa uninzi lweengcali alukwenzi oko. kulindeleke ukuba yenzeke kude kube sisiqingatha sesibini se-2019 okanye i-2020.
Ilahleko kwimarike yemasheya: ukuthengisa
Elinye lamaqhinga okuqala anokusebenza kwimarike yemasheya kukwenza ii-odolo zokuthengisa. Yinkqubo esebenzayo kakhulu ukuba yenziwa kwangaphambili, Oko kukuthi xa iimarike zezabelo ziqale ukwehla. Kungcono ukuyibamba ngexesha kunokuba ulinde Iziphene ziyanda njengokuba iintsuku zihamba. Awunakukhathazeka malunga nokuphulukana nobuncinci bemali, kodwa eyona nto ikhathazayo kukuba ushiye izixa ezibaluleke kakhulu apha endleleni kolu tyalo mali.
Ukufaka esi sicwangciso sotyalo-mali kulula kwimigqaliselo emifutshane yokuba oko ukufunayo kukukhawuleza, ngandlela ithile. Enye into eyahlukileyo kakhulu kukuphakathi kunye nexesha elide apho kunzima kakhulu ukumisa ezi lahleko. Ngaphandle kwezinye izinto zobugcisa. Unokusebenzisa isixhobo esinamandla nesisebenzayo njenge yeka ii-odolo zelahleko. Ayothusi into yokuba baya kukunceda ukuba ubanciphise baye kumanqanaba anokuxhaswa liqoqosho lwasekhaya ngalo lonke ixesha.
Thatha ithuba leerali oza kuzithengisa
Ngayiphi na imeko, ukuba uzimisele ngokupheleleyo ukuthengisa izikhundla zakho kwimarike yemasheya, elona qhinga lilungileyo onokulithatha ukusukela ngoku kukulinda ukuba zenzeke. ukubuyela okuqinileyo kwisicatshulwa. Ngale ndlela, akukho mathandabuzo okuba uya kuba nakho ukunciphisa ilahleko kwaye ubuncinci ukuthengisa kuya kuba yingozi kwiminqweno yakho. Esi sesinye sezibonelelo ezilungileyo ekubonakaliseni ukubonakala kwezinto ezaziwayo kwimarike yemasheya. Azisetyenziselwa ukwenza ukuthenga, kodwa ngokuchaseneyo, ukulungisa ngokuthe ngcembe izikhundla kwaye kuxhomekeke kwisicwangciso sokurhweba osisebenzisayo ngelo xesha.
Kwelinye icala, ukuthengisa kwezi ntshukumo, zizinto ezibuyayo, kufuneka uzenzele ngokusesikweni kwinxalenye ephezulu yoqwalaselo lwamaxabiso. Oko kukuthi, kuya kufuneka ukhawulezise ukunyuka okwenzeka ngalo maxesha. Kungenxa yokuba ukubuyela umva kunokuhlala iiyure ezimbalwa okanye kuphele kuqhutywa iiveki ezininzi. Ewe kunjalo, lelona nqanaba linzima kule nkqubo. Yazi ukuba yintoni i- elona xesha lilungileyo lokuthengisa izikhundla zakho kwiimarike zezabelo. Akukulungelanga ukuba uhambe kwi-braking kuba iziphumo zinokuthi zichasane kwaye le nto yinto enokukulimaza kakhulu.
Kukwacetyiswa kakhulu ukuba ungahanjiswa ziimpembelelo kwaye ube nexesha lokuhlalutya okona kukulungeleyo kwimeko nganye. Izigqibo ezikhawulezileyo ayiloshishini elilungileyo kubatyali mali abancinci nabaphakathi. Ngokuqinisekileyo yinto oye wayiqinisekisa kwimisebenzi oyenzileyo kule minyaka idlulileyo. Ngamava onokuzuza kuwo ukusukela ngoku. Kungenxa yokuba awukwazi ukulibala ukuba imali eninzi isemngciphekweni kwaye ngokuqinisekileyo ayiloxesha lokwenza iimpazamo ezigqithileyo kolu hlobo lwemali.
Yenza ukuhanjiswa ngaphakathi kwengxowa
Ukuba ubona ukuba ixabiso lemarike obekwe kulo mzuzu othile lilahleka kakhulu kwiimarike zezemali, ungaqhuba ngokudlulisela izikhundla kwabanye abaqhuba kakuhle kwiimarike zezabelo. Oku kuya kwenziwa xa ubekwe kwixabiso ngokucacileyo i-bearish kwaye uyabona ukuba kukho abanye ababonisa imeko eyahluke ngokupheleleyo. Oko kukuthi, balawulwa sisikhokelo esikuvumela ukuba wenze imali oyigcinayo ibe nenzuzo kunye neziqinisekiso ezinkulu zempumelelo.
Ukuphela kwempazamo yesi sicwangciso sikhethekileyo kukuba awunakukhetha ngaphandle kokuthatha iindleko eziphezulu zekhomishini yokusebenza thenga uthengise. Kuba kuyakufuneka uyenze, kokubini xa uvala izikhundla kwindawo yokuqala yokhuseleko kwaye nakwisindululo esitsha osikhethileyo ukusombulula ilahleko obukade unazo kwiphothifoliyo yakho yokhuseleko. Ngayiphi na imeko, ayizukuchitha ngokugqithileyo ukuba igalelo lakho lezemali linamandla ngokwenene. Nokuba yeyiphi indlela, kuya kufuneka uxabise ukusebenza ukuze uphephe ukwenza izinto nzima kwiimarike zezabelo.
Ubambe nini izikhundla?
Enye yeemeko ezinokuthi zivele zizizathu onazo ngeli xesha lokuba ungazishiyi izikhundla zakho kwimarike yemasheya. Xa kukho ilahleko kwingxelo yengeniso yezikhundla zakho zokhuseleko. Esinye sezizathu zokuthatha la manyathelo kukuba ixesha lakho lokuhlala lijolise kwindalo esingqongileyo kwaye ngaphezulu kwako konke elide. Kuba enyanisweni, kwezi meko akufuneki ukhathazeke malunga nentengiso yeestokhwe esihla, nokuba iphantsi kakhulu. Ayilolize, ixesha lakho lokuhlala linokukuvumela ukuba la mazwe ngexabiso.
Kwelinye icala, ukuba le yimeko apho kutyalwe imali kuwe, ungasebenzisa ithuba lokuhla kwamaxabiso esitokhwe ukunyusa izikhundla zakho ngokulinganayo. Le yimodeli eluncedo ngakumbi kumaxabiso kune bahambisa izabelo phakathi kwabanini zabelo. Kungenxa yokuba unokufumana imbuyekezo eqingqiweyo kwaye eqinisekisiweyo minyaka le ephezulu kunangaphambili. Ayothusi into yokuba le yinkampani eyenzayo ukufumana istokhwe esinamandla ngakumbi kunangaphambili. Ukuthenga izabelo ngamaxabiso afikeleleke ngakumbi.
Ukucotha ewe, ukudodobala kwemali hayi
"Indawo ephezulu yomjikelo isemva kwethu, kodwa amanqanaba aqinileyo omsebenzi ahlala, ekhokelwa ngamazwe asahlumayo kwaye exhaswa yimeko entle yezemali", batsho abahlalutyi beRenta 4 Las qoqosho iya kuqhubeka, kwi-2019, ukwandisa ubunzima bayo kwi-GDP yehlabathi. Ukuba sithetha ngamazwe aphuhlileyo, i-Income Analysis 4 yeqela le-Banco liqikelela ukwehla kancinci okukhokelwa kukukhula okuncinci e-US, nje ukuba impembelelo yohlaziyo lwerhafu ishiye ngasemva. EYurophu, kugxilwe ekuqwalaselweni kuyakuba kuthethathethwano lweBrexit kunye nesiphumo sayo sokugqibela.
Ngokubhekisele eSpain, kwi2019 iya kuhlala iyintloko yeYurophu malunga nokukhula, kodwa ilahle amandla athile xa kuthelekiswa nonyaka ophelileyo. Le meko, yokumodareyitha kwinqanaba lokukhula kunye Ukunyuka kwamaxabiso, Iya kuvumela imigaqo-nkqubo yemali yeeBhanki eziPhakathi eziPhambili ukuba ziqhubeke nokuma ngokuthe ngcembe. I-Fed iya kufikelela kwinqanaba lokungathathi hlangothi kweerhafu, nangona inokunciphisa ukunyuka ukuba kukho ukwehla okuthe gabalala.
Ukuphela kweQE
EYurophu, i-ECB kulindeleke ukuba inyanzelise imeko ngokuthe ngcembe ebusweni bokukhula okuphakathi, iqulethe ukunyuka kwamaxabiso kunye umngcipheko kwezopolitiko njenge, umzekelo, i-Itali. Ngale ndlela, isiphelo se-QE (ukunciphisa inani) kufuneka sibonakale ngoDisemba 2018 kwaye sinokubona ukunyuka kokuqala kwamazinga wenzala kwikota yokugqibela ye-2019, ngokweengqikelelo zabahlalutyi beRenta 4 Banco. Ngayiphi na imeko, izihloko ekufuneka uzihlalutye kwaye ngakumbi uziqwalasele kwezi zihlandlo zichanekileyo.
Ngokubhekisele kwiBhanki yaseNgilani, "kufuneka silinde kwaye sibone iziphumo zeBrexit ekukhuleni nasekunyukeni kwamaxabiso", ngelixa iBhanki yaseJapan izakugcina, okwangoku, umgaqo-nkqubo wezemali wokwandisa. Kule meko ngokubanzi yeemarike zezemali, zombini ubulungisa kunye nengeniso esisigxina, akusayi kubakho khetho ngaphandle kokuhoya zonke iindaba eziza kuzisa ezona ziganeko zichaphazelekayo kulo nyaka sikuwo. Ukuya kwinqanaba lokuba kuya kuba luncedo olukhulu ukuze ukwazi ukwenza izigqibo zakho kwiimarike ze-equity ukusukela ngoku.