Ngaba umhlangano weKrisimesi uza kutyelela imarike yemasheya kulo nyaka?

Rhoqo ngonyaka ngeli xesha baninzi abatyali mali abancinci nabaphakathi bathathe isigqibo sokuthatha isikhundla kwiimarike zesitokhwe ngaphambi kokufika komhlangano weKrisimesi olindelekileyo. Kodwa ngaba ikho nyani inyani kule ntshukumo inyukayo, okanye sithetha nje ngento engacacanga? Lo mkhwa kwiimarike zezabelo phantse ube uhlala uzalisekiswa, kodwa hayi kuyo yonke iminyaka. Ayisiyo malunga nokufika kukaSanta Claus elayishwe ngeemali ezinkulu kwiibhegi zakhe, kodwa into ethe kratya ngobuchwephesha kunye nenkcazo esengqiqweni.

Ekupheleni konyaka ngamnye, iimali zotyalo-mali zingena kwiimarike ezinamanzi kakhulu ukuze zilungelelanise iipotifoliyo zazo, ezibonakaliswa kukunyuka kwamaxabiso ezabelo. Ukuqinisekisa lo mkhwa, kufuneka kukhunjulwe ukuba Ngexesha leenyanga zokugqibela okanye iiveki zonyaka, iimarike zentengiso zinamava okonyuka ukuya kuthi ga kwi-10%, ephezulu nangaphezulu kweyona minyaka intle kakhulu yeemarike.

Ukonyuka kuhlala kuchaphazela zonke izikwere, ii-indices kunye nexabiso lesitokhwe. Akukho nto ikhethiweyo, kwaye kuphela ziinkampani ezineengxaki ezinzulu zemali abanqabileyo ukujoyina le mpikiswano.

Awukho unyaka apho abahlalutyi abaphambili bezemali bengakhankanyi le nto inokwenzeka, ukuya kwinqanaba lokuqinisekisa ukuba inyanga kaDisemba yenye yezona ziqhele ukuya esidlangalaleni. Idatha yeenkcukacha-manani zeminyaka edlulileyo ibanika isizathu xa kutyhilwa ukuba lelinye lawona maxesha okunyusa unyaka wonke. Nokuba unento eyongeziweyo leyo zininzi iinkampani ezidwelisiweyo ezihambisa izabelo ngeli xesha.

Ngomveliso wonyaka onokufikelela kwi-8%, ngaphezulu kokunikezelwa ziimveliso zebhanki eziphambili ezilungiselelwe ukonga (iidiphozithi, amanqaku ezithembiso zebhanki, iibhondi, njl. njl.

kunjalo, kulo nyaka ukungaqiniseki kuthathe iimarike zezemali, kwaye zininzi iingcali zentengiso yesitokhwe ezijonga ukuba i-rally yenzeka ngo-Okthobha ophelileyo ngenxa yezenzo zebhanki yaseYurophu yokufaka intshontsho kwimali ephambili yeasethi.

Ukuba kunjalo, kwinto eshiyekileyo ukuba kuthi ndlela-ntle ku-2015 ngekhe kubekho ntshukumo zibalulekileyo. Abanye, ngokuchaseneyo, bayathandeka ngakumbi ukuba ibonakale kwimihla yokugqibela kaDisemba, nangona kunjalo ngaphandle kobundlongondlongo kunangaphambili.

Ikhula nini?

Ngokuqinisekileyo uyazibuza ukuba le ntshukumo yenzeka nini ukuba inokukunceda wandise ubutyebi bakho kakhulu. Njengokuba, akunyanzelekanga ukuba yenzeke ngoDisemba, kwaye nangona isebenzisa igama leeholide ezibhiyozelwa kulenyanga, inokuqwalaselwa kwezi zingaphambili: Okthobha nango-Novemba.

Kwaye ngenxa yokuqina kwayo, inokufikelela nakwinyanga kaJanuwari, ukwanelisa umdla wakho. Ngokwenziwa kweephothifoliyo ngabaphathi botyalo-mali, ezihlala zihambelana ngeli xesha. Ukuba ujonga ukubonakala kwayo kwimithambo yangaphambili, uya kuba nakho ukuqinisekisa ukuba akukho mihla ibekiweyo ekubunjweni kwayo, ukuya kuthi ga kwinqanaba elingenakuvela.

Ngokubhekisele kubude bayo, akukho mithetho yamiselweyo. Inokuhlala ngaphezulu kweveki, okanye ithathe inzuzo kumaxesha amaninzi. Nangona kunjalo, imiqathango yabo iya kumiselwa ngumkhwa obonakaliswe kwii-equity ngelo xesha.

Kwimeko ye-bullish kuyaqondakala ngakumbi ukuba ukongezwa kwirali kuyanda ngaphezulu kwesiqhelo. Ngelixa, ngokuchaseneyo, ukuba imeko ngokubanzi icace gca, iya kuba yinto eqhelekileyo ukuba emva kweentsuku ezimbalwa zokurhoxa kwixabiso lamaxabiso, ibuyele kwimeko yayo yendalo: ngokulungiswa okungaphezulu.

Ngaba ezi ntshukumo zonyuselo zihlala zisenzeka?

Kwizabelo akukho nto ilungisiweyo, ikude kuyo, kuba ayizizo izibalo, kwaye kuyacaca ukuba nantoni na enokwenzeka ixhomekeke kuqoqosho, intlalontle, kunye neziganeko zopolitiko, eziguqula ukuyilwa kwale ntshukumo.

Kulo nyaka ngokongezwa ukuba nge-20 ka-Disemba unyulo jikelele lubanjelwe eSpain. Kwaye oko ngokweembono zabahlalutyi iya kuba yinto enye yokungaqiniseki ukongezwa kwiimarike, ngokusekwe kwiziphumo zakho. Ukusuka kolu luvo, ayothusi-yitsho indawo elungileyo yeengcali zentengiso yesitokhwe- ukuba kulo nyaka irali yeKrisimesi iphelile.

Ngayiphi na imeko, kunye nokukunika uxolo olukhulu lwengqondo malunga nokuthabatha isikhundla (ukuthenga) kwizabelo, uya kuba nezifundo ezininzi ezibonisa ukuba I-rally ekhankanywe ngasentla yenzeke ngaphezu kwe-85% yexesha. Kwaye kuphela ngamaxesha apho kwenzeke khona iziganeko ezingaqhelekanga: ingxaki yeoyile, ukudodobala koqoqosho lwehlabathi, njl.

Eminye imiba eya kuba nefuthe ekupheleni konyaka

Kokuzilolonga njenge-atypical njengangoku, le ntshukumo iya kugqitywa zezinye izinto ezinokuthi zinciphise okanye zonyuse ukukhula kwe-rally. Kwaye yezo kufuneka uhlawule ngakumbi ukuba ufuna ukuyiphelisa ngemali eninzi kwiakhawunti yakho yokujonga. Ezinye zazo, zintsha ngokupheleleyo malunga nokuzilolonga kwangaphambili.

• Kufuneka uyazi loo nto iUnited States Federal Reserve, kwintlanganiso yayo phakathi kuDisemba, iya kuthi iyalele ukuba inyuswe inzala. Mhlawumbi ifuthe layo kwiimarike zesitokhwe alithandeki kwaphela, kwaye kunokubakho izilungiso kumaxabiso ezabelo.
• Kananjalo akufuneki ulibale ukuba amazwe amaninzi eManyano yaseYurophu akwinqanaba eliphezulu lokulumkisa. Kwaye nasiphi na isiganeko okanye uhlaselo lobunqolobi lunokonakalisa umbono wakho wokufumana inzuzo entle. Kuba zonke iibhegi ziya kuchaphazeleka kakubi zizenzo zobundlobongela kulo naliphi na ilizwe.
• Iziphumo zonyulo jikelele eSpain ziya kuthabatha isigqibo sokuthambisa okanye ukurhoxisa iziphumo zerali yeKrisimesi. Ngokukodwa, imarike yestokhwe saseSpain iqhube kakubi kunezinye ii-indices zangaphandle ngenxa yokungaqiniseki kweziphumo. Ukuba yamkelwe ziimarike, iya kuba luxinzelelo olongezelelekileyo ekuthengweni ukuba kumiselwe ngokuqinisekileyo kwinxalenye yokugqibela yonyaka.
• Kwaye ngaphandle kokulibala-ewe-oko kuya kuqhubeka nokupapashwa kwedatha yezoqoqosho (intswela-ngqesho, ukunyuka kwamaxabiso, ukukhula, isalathiso sokuzithemba ...) nokuba bayatyhala okanye batyhala iimarike zesitokhwe kwiindawo eziphakamileyo zonyaka. E-Spain kuya kuba nzima ngakumbi ukufezekisa la manqanaba, njengoko isalathiso sikazwelonke esikhethiweyo phantse i-20% yazo, kufutshane namanqaku angama-12.000.

Isigqibo sokuxhamla kwezi ntshukumo

Ukuphelisa unyaka ngovuyo olukhulu, kwaye wonwabele le mihla kunye nabantu obathandayo, ungangenisa uthotho lwezikhokelo zokuziphatha eziza kukukhokelela ekufezekiseni iinjongo zakho ngeakhawunti yokujonga esempilweni. Ukuze ngale ndlela, ungonwabela izipho, uhambo, imibhiyozo ..., exhaphake kakhulu kwezi ntsuku zikhethekileyo.

Uyakufuna kuphela ukunyanzelisa idosi enkulu yoqeqesho, ithamsanqa ekukhetheni kwakho, kwaye ke, ukuba iimarike zihamba nomsebenzi wakho wesitokhwe. Ngokuqinisekileyo kuya kwanela ukuba le mihla ingalibaleki kwiprofayili yakho njengomtyali mali.

1. Kuya kufuneka Thenga izabelo kwiiveki zokuqala zikaDisemba, ngeenjongo zotyalo-mali zexeshana elifutshane, apho unokwenza khona ukugcinwa kwakho kube yinzuzo phakathi kwe-5% kunye ne-20%, kuxhomekeke kubunzulu bale ntshukumo.
2. Ukuba awufuni kuphulukana noololiwe, awuzukukhetha kodwa Khetha izibambiso ngesisombululo esikhulu kwezoqoqosho, okanye ubuncinci banamava Iinkqubo zokukhuthaza yobukhulu obuthile. Baya kuba ngabona bantu bathambekele ekuphuhliseni ezona ntshukumo ziphazamisayo.
3. Ungathatha ithuba lokuba ngeli xesha icandelo elilungileyo leenkampani ezidweliswe kwimarike yemasheya usasaze izabelo phakathi kwabanini zabelo, ukukunika irhafu encinci ngohlobo lwentlawulo eyongezelelweyo ukujongana nesiqabu esikhulu ezona ndleko ziphambili ziya kwenziwa ngala maqela.
4. Ukuba, ngaphandle kwayo yonke into, uyakrokra kwaye unoloyiko lokuvela kweemarike zesitokhwe, awunyanzelekanga ukuba utyale yonke imali oyigcinileyo, kodwa kuyakwanela ukufaka isandla kuphela kwinxalenye yabo, kuxhomekeke kwiprofayili yakho njengomtyali mali.
5. Kuya kulunga ngokungafihlisiyo ukuba uhlalutye lonke unikezelo olunikezwa ngamashishini ngeli xesha, kuba ngokuqinisekileyo kuyakubakho amaxabiso aphazamisekileyo ngokucacileyo kulo msebenzi Baza kuzama ukwenza iiakhawunti zabo, ngokuhlaziywa okubonakalayo kwinxalenye yokugqibela yonyaka.
6. Uya kuba nononophelo ngokukodwa kwimali encinci kunye nokukhuseleka okucingelwayo ezi paramitha azilawulwa kukuziphatha kwabo, kwaye kunqabile ukuba zichaphazeleke kwindibano yeKrisimesi. Kungcono uzigcinele elinye ixesha.
7. Ukhuseleko olongeziweyo, Isicwangciso sakho kufuneka sisekwe kwixabiso elikhulu kwimarike yemasheya, kuzwelonke nakumazwe aphesheya, ethi nakanjani na itolike le ntshukumo ngeli xesha lonyaka.
8. Ukwahlula utyalo-mali lwakho unokukhetha Ukudala ipotifoliyo, apho uninzi lwamacandelo emarike yemasheya amelweyo, nkqu neenkampani ezivela kwezinye iindawo zejografi.
9. Ayizukukhathaza ukubeka (okanye ukuthengisa) iodolo ukukhusela utyalomali lwakho, eyona nto ixhaphakileyo ukubizwa ukuyeka ukulahleka. Kuya kukunceda uyeke ilahleko enokubangela ukuba ujongane naso nasiphi na isiganeko esenzeka kwiimarike zemali.
10. Kwaye okokugqibela, ukuba yonke into iqhubeka ngokuchanekileyo, sukucinga ukuba uza kuba ngusozigidi ngokukhawuleza, kodwa ewe ukuhlawulela isidlo sakho sangokuhlwa, uyokuthenga kunye nayo nayiphi na into oyithandayo ngexesha lale mibutho.