Ulwahlulo kwipotifoliyo yengxowa mali

ezahlukeneyo

INgxowa-mali yesizwe yoTyalo-mali ibhalise esona siqalo sonyaka kuthotho lwembali, nge Inzala eqokelelweyo ye-3,3% Kwiinyanga ezimbini zokuqala zonyaka, ngokwengxelo yakutshanje yoMbutho wamaZiko aTyala imali kunye neNgxowa-mali yomhlala-phantsi Apho kubonisiwe ukuba iiasethi ezidibeneyo zotyalo-mali oluhlangeneyo (iiNgxowa-mali kunye neeNkampani) zifumene ukonyuka kwe-3.478 yezigidi zeerandi ngoFebruwari kwaye zema kwi-463.352 yezigidi, emele ukunyuka kwe-0,6% ngokubhekisele kuJanuwari.

Ngokwesi sifundo, kwiinyanga ezimbini zokuqala zonyaka, umthamo wee-asethi unyuke nge-1,8%. Inani leeakhawunti ezithatha inxaxheba ngeli xesha zime kwi-14.836.455, oko kukuthi ukuncitshiswa kwe-0,4% xa kuthelekiswa noDisemba 2018. UFebruwari uqhubekile nomoya omhle kaJanuwari kwaye kuye kwakho uphononongo kwiimarike zezabelo, eziye zavumela iimali zotyalo-mali kuzwelonke ukuba zibhalise esona siqalo sonyaka senzuzo kuthotho lwembali.

Yiyo loo nto, umthamo wee-asethi ufumene ukonyuka ngoFebruwari we-2.373 yezigidi ze-euro (0,8% ngaphezulu kwenyanga ephelileyo), kwaye wema kwi-264.491 yezigidi zeerandi. Ukukhula kumthamo weeasethi kubangelwe kukusebenza kakuhle kweemarike kwithuba, kuncedwe ngu indlela yokuziphatha, ethe emva kweenyanga ezininzi zembuyekezo zabuya umva umndilili weenyanga ezidlulileyo, zibonisa isiphumo esihle kancinane kwizigidi ezingama-49 zeerandi zemirhumo ngenyanga.

Intsalela efanelekileyo yemali

imvelaphi

Onke amacandelo kwiingxowa-mali zotyalo-mali afunyenwe enyuka kwinani lobukhulu obukhulu okanye obuncinci, ngaphandle kwe ubulungisa belizwe kunye nembuyekezo epheleleyo, ezazithintelwe ziimbuyekezo ezibhaliswe kwiindidi zazo, kuba ukusebenza kwazo ngenxa yeembuyekezo nako kwakulungile ngeli xesha. Ukuvela kwe-equity yeemali ezixubileyo nako kwakulungile ngelo xesha. Ke, ii-equities equities zikhule nge-263 yezigidi ze-euro kwaye umvuzo oxubeneyo wenze njalo nge-269 yezigidi ze-euro.

Ngayiphi na imeko, kwaye unikezwe ukufika okuzayo kweenyanga zehlobo, lixesha elifanelekileyo lokuhlengahlengisa iphothifoliyo yemali yotyalo-mali ngabagcini. Ngale ndlela, icebo lisekwe unikeze ukhuseleko olukhulu kwizikhundla zabathathi-nxaxheba kule klasi yeemveliso zezemali. Ngokukodwa, unikwe ukonyuka okuveliswe kwiimarike zezabelo nakwezamazwe ngamazwe zokulingana kunye nokulinda izilungiso ezibalulekileyo kulungelelwaniso lwamaxabiso abo kwisiqingatha sesibini sonyaka. Ziyakwazi nokuba zenzeke ngamandla amakhulu ngokuxhomekeke kwiziganeko.

Ulwahlulo lweeasethi zemali

Elinye lamaqhosha okukhusela ukonga kwethu kwizinto ezinokubakho kwiimalike zezemali kusekwe zahlula umxholo wakho. Oko kukuthi, ngokudibanisa iiasethi ezahlukeneyo zemali ukuze sikwazi ukuphuma kutyalomali notyalo-mali. Eyona ndlela ilula yokwenza ukuba le nkqubo isebenze ngokusesikweni kukudibanisa iiasethi eziyimali kwii-equities kunye nengeniso esisigxina. Yeyona ndlela isebenzayo yokunciphisa umngcipheko ngaphezulu kwezinye izinto eziqwalaselwayo. Kwipesenti ehlengahlengisiweyo kwiprofayili esiyivezayo njengabatyali mali abancinci nabaphakathi: olondolozayo, onochuku okanye ophakathi.

Kwelinye icala, ukwamkelwa kwale nkqubo yolawulo kutyalo mali kusivumela ukuba sithathe ithuba kuzo zonke iimeko ezinokwenzeka kwiimarike zezemali. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha bendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Inyani yile yokuba inokuba ngumbono ogqwesileyo wokujongana nobude bokugqibela balo nyaka unzima. Apho asizukukhetha ngaphandle dlulisela ezinye iimali kwabanye Ingcebiso ngeli thuba litsha siqale ngalo kweli hlobo.

Sebenzisa amathuba

Akufuneki siphoswe lixesha lokuthatha isikhundla kwizimali zotyalo-mali ezikwipotfoliyo yotyalo-mali eyenziweyo ngezinye iiasethi eziyimizuzu elungileyo yorhwebo. Sibhekisa ngqo kwiimarike ze izinto eziluhlaza kunye neentsimbi ezixabisekileyo. Kuzo zombini iimeko, kunye nokunyuka okuphezulu kwiinyanga ezininzi kunye nokuhlaziywa okuphezulu kunakwenye into yendabuko okanye yeasethi eqhelekileyo. Ukuya kuthi ga kwinqanaba lokuba ibengcono ngakumbi kwizikhundla zethu kolu luhlu lweemveliso zemali.

Ngayiphi na imeko, asinakukhetha ngaphandle koko khetha ngakumbi ukusukela ngoku ukuya ngenxa yokuba isibonelelo kwezi mali zotyalo-mali sisezantsi. Akukho mveliso zininzi zithengiswa phantsi kwezi mpawu zibaluleke kakhulu kwaye zinamakhomishini athe kratya ngakumbi kunamanye. Iikhrayitheriya zokukhetha kufuneka zibe ngqongqo ngakumbi kwaye zihlalutywe kubunzulu ukubonisa ukuba ziyazifanela na iimfuno zethu zotyalo-mali. Ayothusi into yokuba singasetyenziswanga ukusebenza nabo kwaye ke lo msebenzi ufuna ixesha elininzi kunye nokuzinikezela. Kuyimfuneko yokwandisa ukusebenza.

Kwimali yemali

emali

Imali yotyalo-mali ikhuselekile kwaye akukho mntu uyathandabuzayo. Kwenzeka ntoni ukuba inzuzo abayinikelayo ngalo mzuzu iphantse yangabinanto okanye inezinto ezimbi kwaye ke akunangeniso ukubaqesha ngeli xesha. Kuba ixabiso lemali likwindawo esezantsi kwimbali ye-euro kwaye kubonakala ngathi le meko ayizukutshintsha kwithuba lexesha, ubuncinci phakathi konyaka omnye okanye emibini. Ngokwalo mbono, kwizikhundla zethu kwimali yotyalo mali ziya kuba zincinci ngokwenene, ngombono wokuzikhusela kwixabiso lezinye iiasethi zemali ezenza iimali ezimelweyo kwipotfoliyo yotyalo mali.

Kwelinye icala, iimali zemali kufuneka ziqwalaselwe njengezincedisayo kutyalo-mali kwaye zingaze zibe lolona tyalo mali. Le yinto esingafanele siyityeshele ukuba asifuni kuba nezinye izinto ezingalindelekanga ukusukela ngoku. Ngomngcipheko ocacileyo onawo baqeshe kwenye imali ngaphandle kweyuro. Phakathi kwezinye izizathu, kuba ekugqibeleni inzuzo inokuba nokuba mbi. Oko kukuthi, sinelahleko kwingxowa-mali yotyalo-mali yezi mpawu, njengoko kusenzeka ngoku.

Ukusebenza okanye ukuphatha?

lawulo

Iimali zolawulo lwentando kwakhona zaye zanemirhumo efanelekileyo ngoFebruwari (i-134 yezigidi zeerandi) kwaye yaqokelela phantse i-327 yezigidi zeerandi zokungena ngonyaka. Ngumzuzu ke wokuphicotha ukuba ngaba ukusukela ngoku kufanelekile ukuba imali yethu yotyalo-mali ibe nolawulo lwentetho okanye, ngokuchaseneyo, ulawulo olusebenzayo luluncedo ngakumbi. Kule yokugqibela inethuba elihle lokuba inokulungiswa kuzo zonke iimeko zentengiso yezemali, nkqu nakwi uninzi lweemeko ezingathandekiyo ngokwabo. Ngale ndlela, kukho abahlalutyi bemarike yemali abalunge ngakumbi kuhlobo oluthile lolawulo kwimali yotyalo-mali kunabanye.

Kwimodeli nganye yolawulo kukho uluhlu olubanzi lwemali yotyalomali eneempawu ezahlukileyo ezinokuthi zilingane kwiprofayili yethu njengotyalomali oluncinci noluphakathi. Lixesha lokuba ubakhangele kwaye ukuba kunokwenzeka ukuba kubandakanya oku inqanaba leekhomishini esinokuzithwala ngcono kuhlahlo-lwabiwo mali. Ngelixa kwelinye icala, uhlobo lolawulo luya kugqitywa yile meko yokwenene yeemarike zezemali ngeli xesha lokwenziwa ngokusemthethweni kwale mveliso yokonga. Zisusela kwiingxowa-mali zamashishini ezingenanzala emisiweyo zisiya kwiifomathi ezizezinye, kwaye iintlobo ngeentlobo eziye zatsala umdla kule minyaka idlulileyo.

Ngokusekwe kwiimarike zaseYurophu

Enye into ekufuneka ithathelwe ingqalelo kukubekwa kwayo kubume bendawo, kuba ngexesha elihlalutywe, iimali zehlabathi zisebenze kakuhle ngoFebruwari kwaye zonyusa iiasethi zazo nge-525 yezigidi zeerandi. Inokuba lukhetho lokwenyani lokunciphisa umngcipheko ngale mveliso yezemali. Endaweni yokugxila kwintengiso enye, enje ngesalathiso esikhethiweyo sezabelo zeSpain, Ibex 35. Akululanga ukubeka ukonga kwibhasikidi enye, kodwa kukhethwa ukwahlulahlula. Ngengeniso esisigxina, iimodeli ezizezinye kunye necandelo lokuthengiswa kwezindlu ukuba kunokwenzeka. Konke ngenjongo yokufumana iyantlukwano enkulu kwipotfoliyo yotyalo-mali.

Kwelinye icala, kungcono ukwenza imisebenzi kwiimarike zaseYurophu kwangoko kunaseMelika kuba bekhule kancinci kule minyaka idlulileyo. Ke ngoko, ukulungiswa kwayo kuya kubonakala kungabalulekanga kangako kwaye inokubanakho ukuphakama kovavanyo kwizabelo zayo. Ukusuka kule ndawo, kukhethwa ukukhetha ezi ntengiso kuqwalaselo lweemali zotyalo-mali ezinxulunyaniswe nee-equities. Apho banokuthi baxhaswe zezinye iiasethi zemali zohlobo olwahlukileyo kunye nemeko. Nangona kuzo zonke iimeko, akusayi kubakho khetho ngaphandle kokukhetha kakhulu xa ukhetha ezokhuseleko eziza kwenza ibhaskithi yezabelo zotyalo mali.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
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