Ukurhweba ngamaxabiso akhoyo ngoku, kuyinto eqhelekileyo ukuba abatyali zimali abancinci nabaphakathi bazibuze ukuba eli ayiloxesha lokungena kwiimarike zezabelo. Ukuwa kweyona indices yemarike yestokhwe kuye kwaba yinto yokwenyani kwiintsuku zokugqibela zonyaka kwaye uxinzelelo lokuthengisa lubekwe ngokuqaqamba kwekristale ukuya kuthi ga kwenye amanqanaba angabonakaliyo kule minyaka yangoku. Zombini ngokubhekisele kwiimarike zezemali zelizwe kunye nabo bangaphandle kwemida yethu.
Ewe kunjalo, le yayingeyiyo imeko ebonwe kwangaphambili yinxalenye enkulu yabahlalutyi bezemali abaqikelele ukuba imakethi yesitokhwe izakuphela inamandla amakhulu okuthenga. Ekugqibeleni ayinakuba yile ndlela kunye ukungabi nathemba ngokuqinisekileyo izinzile phakathi kwabatyali zimali abancinci nabaphakathi abanciphisa ukuvezwa kwabo kwizabelo ngendlela abangakhange bayenze kangangeminyaka emininzi. Kodwa ngapha koko, lo mzuzu woyikwa kakhulu ngabatyali zimali zentengiso ufikile.
Konke oku kuyandiswa sisibakala sokuba le ngozi yentengiso yemasheya ikhatshwa sisixa esikhulu seekhontrakthi. Ngamanye amagama, baninzi abatyali mali abarhoxisa izikhundla zabo kwimarike yemasheya. Ngale ndlela, ii-equities zaseSpain ziya kuvala kulo nyaka kwenye amanqanaba asezantsi yemithambo yokugqibela. Nangona eyona nto imbi kakhulu kukuba i-uptrend yaphulwe ngokupheleleyo ekugqibeleni. Isandulela esibi sokuthatha izikhundla ngala maxesha achanekileyo.
Ukuwa kunye nokubuyela kumanqaku angama-7.500 XNUMX
Esinye seziganeko ezifanelekileyo kwisalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35, kukuba khange ikwazi ukugcina isikhundla sayo emva kwexesha apho ihambile kulo nyaka umbi kwiimarike zemali. Kumanqanaba e-8.800 yamanqaku kwaye ndimkhokelele kwezi ntsuku ukuba avavanye okokugqibela kwenkxaso yesalathiso ayishiyileyo kwaye ikumanqaku ayi-8.500 kwaye kuya kuba nzima kakhulu ukunyamezela ngenxa yoxinzelelo lwentengiso ngabatyali mali.
Ukuba eli nqanaba lidiliziwe, akusekho zixhobo zixhasa ukuya kuthi ga kumanqaku angama-7.500 XNUMX, eli nqaku lesicatshulwa elihambelana Brexit nje kwiminyaka emibini edlulileyo. Ukuziqhelanisa, oku kuthetha ukuba ii-equity zisenokuba ne-11% yokuhla kumanqanaba akhoyo okurhweba, nto leyo ethetha lukhulu kwimbono yelahleko. Ayothusi into yokuba ungaphulukana nokuninzi ukusukela ngoku kwaye kuncinci kakhulu onokukufumana.
Utshintsho lwendlela yentengiso yesitokhwe
Ngayiphi na imeko, kukho inyani engenakuphenduleka kwaye loo nto kukuba iimarike zezabelo ziye zasuka kwimeko ecacileyo yexesha elizayo zaya kwezantsi. Ngaphandle kokubona ukuba ngawaphi amanqanaba umgangatho ongaguqukiyo onokwenziwa kwaye osebenza njengendawo ekubhekiswa kuyo yokuvula kwakhona izikhundla nakwesiphi na isikwere samanye amazwe. Ngayiphi na imeko, ukuthandabuza okukhulu ukusukela ngoku ukuya phambili kukuhlala ixesha elingakanani oku. yehla, nangona abahlalutyi bezemali nabaninzi beqikelela ukuba ingahlala iminyaka engaphezulu kokunqwenelekayo kwezi nkqubo zokulungisa.
Olunye lweempawu ezinamandla malunga nokuvela kwalo mkhwa uvela kwiimarike ze EUnited States, emva kwexesha elide eliqhubayo ukusukela kwiminyaka emva kwengxaki yezoqoqosho phakathi kuka-2007 no-2008. Apho uhlaziyo lungemida ephezulu kune-100%. Ngokwalo mbono, kusengqiqweni ukuba ezi zilungiso zenzeke ukusukela, njengoko abatyali mali abancinci nabaphakathi bahlala besithi, akukho nto ingunaphakade kwimarike yemasheya. Apho ingavuki okanye iwele ngonaphakade njengoko kunokuboniswa kwiimarike ze-equity kule minyaka idlulileyo.
Isibhengezo sokudodobala kwezoqoqosho
Ngayiphi na imeko, ezi ntshukumo kwiimarike ze-equity zinokuqondwa njengaphambi kokuba a ingxaki elandelayo kuqoqosho lwamazwe ngamazwe. Ngale ndlela, awungekhe ulibale ukuba iimarike zezemali zihlala zinciphisa ezona meko zikufutshane. Kwelinye icala, le yinyani ethathelwa ingqalelo yinxalenye elungileyo yeengxelo zoqoqosho ziiarhente ezahlukeneyo zezemali eziqinisekisa ukumiswa kokukhula kwehlabathi. Ungalibali ukuthatha esinye isicwangciso kwicandelo lotyalo-mali.
Kwelinye icala, yonke idatha yezoqoqosho iyayichaphazela le nto kunye neemakethi zentengiso kwihlabathi liphela ezenzayo ziqokelela kule meko intsha nexhalabisayo. Apho ngaphandle kwamathandabuzo eyona ilungileyo iya kuvela nayo mathuba o shishino, phakathi kwezinye izizathu kuba amaxabiso ezabelo aya kukhuphisana kakhulu. Ngokuphinda uphinde ube nokuhlaziya oku kuya kuba phezulu kakhulu kunangoku. Ke ngoko, kuya kufuneka ubone izinto ezintle kule meko ezoyikwa ngabo bonke abatyali mali abancinci nabaphakathi.
Ukufuduswa kokuhamba kwemali
Enye into ekufuneka ithathelwe ingqalelo ukusukela ngoku ukuya phambili kukuba icandelo elilungileyo lotyalo mali ligqithiselwa kwezinye iiasethi zemali ezifanelekileyo. Njengomzekelo, iziphumo ze iimveliso zebhanki, ezinje ngedipozithi yexesha elifutshane, amanqaku ezithembiso zebhanki okanye iiakhawunti ezihlawula kakhulu. Bayibonile indlela kwiintsuku nje ezidlulileyo ababone ukuba inzuzo yabo ikhula njengesiphumo semigaqo-nkqubo yezemali ngoorhulumente abamele umhlaba wonke.
Kwesinye isigxina, kufanele ukuba kuqatshelwe ukuba abatyali mali banyathele iziqhoboshi kwezi ndawo zentengiso. Ubuncinci kude kubekho inkcazo ecacileyo yezinto ezinokwenzeka kwimarike yemasheya kule minyaka imbalwa izayo. Le nyaniso ikhokelela ukuthengisa kuyaqhubeka Ngokucaca okukhulu malunga nokuthengwa. Into ekohlwayayo iimarike zezabelo ngokuqina okuthile. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi ukusuka kwindawo yokujonga izinto ezisisiseko.
Izicwangciso zokuphuhlisa
Kuzo zonke iimeko, awunakukhetha ngaphandle kokungenisa uthotho lwezikhokelo zokuziphatha ukukhusela igalelo lakho lemali ngokuchasene neentshukumo ezimbi kwiimarike zezabelo. Kwaye oko kuya kuncitshiswa ekuphuhliseni ezi ngcebiso zilandelayo siza kukuveza ngezantsi:
- Hayi ukuzibeka esichengeni semisebenzi ezingafunekiyo ngeli xesha. Ayothusi into yokuba kuya kuba luncedo ngakumbi ukulinda ezinye iindlela zotyalo-mali.
- Kufuneka hlalutya ukuba ukusukela ngoku kuninzi ekufuneka uphulukene nako kunokuba uphumelele. Ngesi sizathu, akulungelanga ukuba ungxame uye kumaxesha ngamaxesha okutshintshiselana ngesitokhwe.
- Yiba ngaphakathi ukuhlawulwa ngokupheleleyo Lithuba elihle lokuba uthathele ingqalelo kolunye utyalo-mali olwenziweyo apho unokwenza khona ukugcinwa kwemali kunenzuzo kula maxesha.
- Ngayiphi na imeko, ukuba uza kukhetha utyalo-mali kwimarike yemasheya esoloko iphantsi kwegalelo lemali imali encinci. Iya kuba sesona sicwangciso silungileyo sokukhusela umdla wakho njengotyalomali oluncinci noluphakathi.
- Inokuba ngumzuzu wotyalo-mali onomdla ngokwenene, kodwa okoko nje ixesha lesigxina likhona eliphakathi nelide. Ungaze kwixesha elifutshane apho unazo zonke iivoti zokwenzakala.
Iziphumo ezimbi zeshishini
Enye into ekhokelele ukuba le nkampani idweliswe ngokwamanqanaba akhoyo ziziphumo zeshishini elibuthathaka elizibonisileyo kwikota yakutshanje. Ngonyuko olubaluleke kakhulu kwityala lakho ubuza ukusebenza komgca weshishini lakho. Ngokumiselwa okucacileyo kwentengiso ekuthengeni, nge ubunzima obunqabile ukubonwa kwimithambo eyandulelayo. Kwaye ngale ndlela ayinyuki, ukude nayo. Le yinto ekufuneka uyihlalutye ngononophelo olukhulu ukuze ucamngce ngokuba kufanelekile ukubeka emngciphekweni imali yakho kwintengiso yesitokhwe.
Kwelinye icala, awuzukukhetha ngaphandle kokumamela kakhulu ukusukela kunyaka olandelayo kwiziphumo zeshishini ezipapashwa kwikota nganye. Baza kukunika ngaphezulu kwesiginali enye malunga nento ekufuneka uyenzile kwityeli ngalinye kwaye ke ngokwenza ukuba izikhundla zakho zinenzuzo ngaphezulu kwezinye izinto zobugcisa. Ngale ndlela, elona cebiso lilungileyo kukubaleka kwezo nkampani zidwelisiweyo zibonisa ukuba zibalulekile amatyala. Kananjalo nokukhetha ngcono kwezokhuseleko eziza kwenza iphothifoliyo yakho elandelayo yotyalo-mali ngokusekwe kwezi nqobo zichaphazelekayo.
Ngayiphi na imeko, hlala ukhumbula ukuba uneminyaka ethile entsonkothileyo yokutyala imali kwimarike yemasheya kwaye ke kuya kufuneka ungenise amanyathelo athile. Akumangalisi ukuba izibonda ziphezulu kwiinyanga ezizayo. Ngaphandle kwenyani yokuba ukubuyela ngokuthe ngqo kunokukuphazamisa kwisicwangciso oza kusisebenzisa kwiintsuku ezimbalwa ezizayo. Ubeka emngciphekweni kakhulu njengoko ukonga rhoqo.