Thengisa iiodolo kwiimarike zesitokhwe yenye yezona zinto zibaluleke kakhulu onokuzisebenzisa nangaliphi na ixesha nakwimeko. Akunanto, iya kuba yeyona ichonga impumelelo okanye hayi yokusebenza, kubandakanya leyo ilinganisa inqanaba leenzuzo ezinkulu onokuzifumana kuhambo ngalunye olwenziweyo kwizabelo. Yiyo loo nto kufuneka iqale kwisigqibo esicingisisiweyo, kwaye ayisiyomveliso yokuphuculwa, kuba ziya kubakho ii-euro ezininzi eziza kuba semngciphekweni.
Ngapha koko, ukuthengiswa kwestokhwe kuya kumisela umda phakathi kwento elungileyo nengalunganga yorhwebo, kwaye yintoni iya kusetyenziswa ngokusekwe kwizinto ezininzi eziguquguqukayo. Ayivelwanga kuphela kwiimeko zeemarike zezemali, kodwa nakwiprofayile oyivezayo njengomtyali mali omncinci nophakathi. Kuya kufuneka uzibekele ezinye iinjongo, kwaye ngokusekwe kuzo, wenze intengiso ibe semthethweni ngokwembono ezenziwe kwasekuqaleni. Ngaphandle kokuphambuka kwi ukuzalisekiswa kweenjongo zakho.
Ukuba awufuni ukuzisola ngokuthatha isikhundla kwimarike yemasheya, kuya kufuneka uphephe ukuthengisa izinto ezimbi ngazo zonke iindlela. Kwaye iimeko ezininzi zivela ngokungazi ukuba ungathengisa njani ngexesha. Ngale ndlela, kuluncedo kakhulu kuwe ukusebenzisa intetho yakudala yokuba abatyali mali abanamava phantse bahlala bethobela uqeqesho olugqibeleleyo kunye nembuyekezo engcono. Kwaye oko kubhekisa "kwiyuro yokugqibela ithathwa ngomnye umntu." Ungathandabuzi, lalela le ngcebiso, kuba iyakusebenza kakhulu ebomini bakho njengomtyali mali.
Yonke into akufuneki uyenze
Kukho izinto ezithile ongaze uzenze kwimarike yemasheya, kuba iimpembelelo kwibhalansi yeakhawunti yangoku zinokuba neziphumo ezibi kakhulu, kwaye ungaphulukana nenxalenye ebaluleke kakhulu kwi-equity. Ngokukodwa kufuneka uphephe kuzo zonke iindleko ukubambeka kwiimarike. Ngokuqinisekileyo imeko eqhelekileyo, apho amaxabiso otyalo-mali akho kukude kakhulu ekuthengeni okwenziweyo. Utshintsho kwindlela, naziphi na iindaba ezingathandekiyo, okanye imeko yezoqoqosho engathandekiyo.
Xa ezi meko zisenzeka kuwe, kuya kufuneka uziphathe kakubi, kwaye ungothuki. Iziphumo zinokuba mbi nangakumbi. Kunjalo Ayizukukulungela into yokuba wenze intengiso ibe yeyasesikweni, nokuba inxenye yayo. Ukusukela ukuba kunjalo, into oza kungena kuyo yintengiso ye-lousy. Kwaye kukushiyele ii-euro ezininzi apha endleleni. Ngaphantsi kwazo naziphi na iimeko kufuneka uphephe ukufikelela kula manqanaba kwixabiso lesabelo. Iya kuba luncedo kakhulu xa ufaka isicelo sokuyeka ukulahleka ukukhusela iphothifoliyo yakho yotyalo-mali.
Enye yeemeko apho kufuneka uzikhusele khona kuxa izilungiso ezinamandla zikhula kwixabiso lezabelo zakho. Kwaye ayizukuba lula ukuba ubathengise ngamaxabiso asezantsi kangako. Kuyinyani ukuba banokulahlekelwa lixabiso ngakumbi kwiimarike zezemali, kodwa kunokwenzeka Ukuhlaziywa okunamandla kuyenziwa okunika ukungqinelana kwixabiso. Akukho nto, ubuncinci kuzo zonke izitokhwe, enyukayo okanye ezantsi ngonaphakade. Kuya kufuneka uhambe ngemijikelezo yabo kulungelelwaniso lwamaxabiso abo. Ngaphandle kokuthengisa izabelo kubuncinci bonyaka.
Kwakhona, nokuba ubekwizikhundla zokuphumelela kwimarike yemasheya, - ukuba ixabiso likwindawo ephezulu - akufuneki usebenzise ukuthengisa nangayiphi na indlela. Uyakuphulukana nokunyuka okunokubakho kwixabiso elinokukhokelela ekwandiseni ubulungisa bakho kwixesha elingelolide kakhulu. Kwaye nangakumbi, ukuba iya ikhula phantsi komjelo osimahla wasimahla. Ngaphandle kwamathandabuzo, eyona meko intle kakhulu kwimidla yakho njengomtyali mali.
Musa ukulinda ukuthengisa ukhuseleko xa ixabiso lifakwe kwinkqubo ye-bearish Oko kunokuthatha amaxabiso akho ukurekhoda ubuncinci. Kwaye kukuphi ukujonga imbali yakutshanje yemarike yasespain yaseSpain ebonisa ukuba iinkampani ezininzi zibonise njani le meko. Nokuba kunokwenzeka ukuba ulahle yonke imali oyigcinileyo, njengakwiimeko zeTerra, iLa Seda de Barcelona okanye iSniace, phakathi kwabona bameli.
Eyona njongo iphambili yabatyali mali abancinci ayizukungena kwezi meko zingathandekiyo, kwaye zinokubenza bangazithembi iimarike zezabelo. Ukubashiya ixesha elide. Ukuziphatha okunokutsalwa kwezi meko kukuba Ukuba awuyithembi inkampani, kungcono uyeke ukuthatha isikhundla kuyo. Okanye unokuzifumana unyanzelekile ukuba ulahle isenzo sabo ngendlela echanekileyo. Oko kukuthi, ngelahleko enkulu kakhulu.
Amaxesha onyaka ekungathengiswa ngawo
Elinye iqhinga, ngeli xesha lingaphantsi kwesiqhelo, kukuphepha ukwenza ngokusesikweni ukutshintshiselana ngesitokhwe esibi ngokuxhomekeke kwixesha lonyaka. Ewe ufunda elo lungelo, ujonge kwikhalenda. Nangona inokukumangalisa ekuqaleni, ngamanye amaxesha kunokuba kuhle ngakumbi kunamanye. Ukusuka kweli nqanaba, akufuneki uyenze ngexesha leeholide zeKrisimesi. Isizathu silula kakhulu, kuba kwezi veki kubizwa ngokuba yirali yeKrisimesi eyenzeka rhoqo. Kwaye apho kukho ukuphononongwa okubalulekileyo kwiimarike zamasheya kwihlabathi liphela, phantse ngaphandle kokukhetha. Ayizukuba lixesha elifanelekileyo lokonyusa ukuthengisa.
Ngokwezifundo ezininzi ezinegalelo ngabahlalutyi ababalulekileyo bezemali kukho ixesha lonyaka apho uptrend ngokucacileyo yoyisa ngaphezulu kwezantsi. Ingqamene nekota yokuqala neyokugqibela yonyaka. Ujongene nale meko iphindaphindwe kangangeminyaka emininzi, isikhundla sakho kufuneka ibe kukuyeka ukwenza naluphi na uhlobo lokuthengisa kula maxesha. Ngaphandle kokuba izehlo ezikhethekileyo zezehlo zesinye zenzeke ukuthintela ukusebenza.
Okokugqibela, awufanelanga ukuphoswa sisihlandlo apho amagunya ezoqoqosho akhuthaza amanyathelo okukhula kwehlabathi (inzala ephantsi, imigaqo-nkqubo yezemali, njl. Ke ngoku abingelelwa ziimarike zezabelo ngokunyuka okukhulu, ezinokuhlala nakwiiseshoni zokurhweba. Ukuba kwelinye icala lelona xesha linesiqhamo sokwenza ukonga kunenzuzo, kuba inzuzo yezabelo inokudubula ukuya kuthi ga kwi-10%, nangakumbi kwimizuzu yovuyo olukhulu.
Ungawuthintela njani umsebenzi ombi?
Ngamaxesha amaninzi ezi meko zinokuthintelwa, kwaye ukuba ixabiso lezabelo aliweli kubukrelekrele obukhethekileyo. Eyona ndlela inokuthenjwa ayikokuthengisa izabelo xa bathe bawaphula amanye amaxabiso kwixabiso labo.. Xa oku kusenzeka-rhoqo kakhulu-iya kuba luphawu oluqinisekileyo lokuba i-uptrend iya kuqhubeka kwiiveki ezimbalwa ezizayo. Ngokuhlaziywa okutsha okunokuthi kunikeze iphothifoliyo yakho ngokungqinelana.
Ngokunjalo Utshintsho lwendlela, usuka kwi-bearish (okanye kwi-lateral) uye kwi-bullish Iya kuba ngaphezulu kwesizathu esaneleyo sokuba ungazithengisi izabelo. Hayi nokuba unawo kumhlaba oqinisekileyo, oko kukuthi, ngeenzuzo ezinkulu zekamva. Ngaphandle kokuba ufuna ukumisa umfutho oza kuphuhla kwiimarike ze-equity ngenxa yoku kwahluka okubuthathaka kuhlobo lwamaxabiso.
Isicwangciso santlandlolo sokufezekisa iinjongo sisekwe ungaze uthengise izabelo kwiintsuku eziphambi kokuhlawulwa kwezabelo kubanini zabelo. Isizathu sesi sicwangciso sotyalo mali esisodwa kungenxa yokuba ngeli xesha, ukuthengisa okuveliswe kwiimarike kunqabile. Kwaye nangona isaphulelo ngemini enye yentlawulo, ngesiqhelo ixabiso liyawafumana amaxabiso alo ngeentsuku ezimbalwa, ke ayiloxesha elifanelekileyo lokuthengisa nokuba.
Ikhokelela phi le misebenzi?
Ukufika kwezi meko kudala iingxaki ezinzulu oya kuthi ujongane nazo, kwaye ngokukhawuleza ngcono. Kuza kuhlala kulunge ukuphulukana neepesenti ezimbini okanye ama-2% kwimali oyityalileyo, kunokuba ushiye isiqingatha semali oyigcinileyo kwintengiso yesitokhwe, njengoko kuye kwenzeka kwabanye abathengisi kule minyaka idlulileyo.
Kwelinye icala, abantu abaneeasethi ezinkulu zokukhusela utyalomali lwabo baya kuhlala benokhuseleko olukhulu. Hayi ngelize, baya kuba nexesha labo, kuba ukuba utyalo-mali aluphuhlisi ngokwamajelo acwangcisiweyo, banokuhlala belinde ixabiso lexabiso lalo ukubuyisa ixabiso lokuthenga, kwaye ngenxa yoko bangabinangxaki kwimisebenzi yentengiso yesitokhwe .
Enye yeziphumo ezinokuthi ziveliswe kukuba xa ujongene nemfuno yokujongana nezinye iindleko (isikolo sabantwana, iindleko zasekhaya, ukuhlawulwa kwemali mboleko, okanye ukujongana nentlawulo engalindelwanga), kuya kufuneka undersell izabelo ezithengiweyo. Ngokubanzi kuluhlu olusezantsi lwamaxabiso, kwaye eyongezwe kwikhomishini yee-odolo zakho, iya kubangela ukuba amalungelo abekelwe ukumkela umvuzo oguqukayo anciphise.
Ukuthintela le ngxaki, unezisombululo ezibini onokuzisebenzisa nangaliphi na ixesha. Kwelinye icala, utyalo-mali olwahlulayo ngokukhetha ngononophelo lweziqinisekiso ezi-4 okanye ezi-5 ezenza ipotifoliyo ekhuselekileyo nekhuselweyo. Akuxhomekeki, nangayiphi na imeko, kwindaleko yesindululo esinye. Iya kuhlala iyinto enobungozi ngakumbi.
Kwaye kwelinye icala, ukwalathisa ixesha lokusebenza eliphakathi nelide. Iya kuba yeyona ndlela ilungileyo yokurhoxisa nayiphi na intengiso engafunekiyo ephazamisa umnqweno wokuqala wokwenza ukonga kunenzuzo, nokuba unokukhetha ukuya ukuqokelela izabelo eziphezulu minyaka le, Malunga ne-8%. Ukuba ungayisebenzisa ukubonelela ngemali kwiakhawunti yakho yokujonga, ujongene nezinye zeendleko ezingxamisekileyo ezikulindeleyo kwiinyanga ezizayo.
Ukuba uhlawula ingqalelo kwezi ngcebiso, ngokuqinisekileyo ukusuka kwintsebenzo elandelayo kwiimarike amathuba okuba usebenze kakubi aya kuncitshiswa.