ISpanish, iYurophu okanye iUnited States zilingana. Le yingxaki kwakhona ejongene nenxalenye entle yabatyali mali ukuze bajongane nemisebenzi yabo kwintsalela yonyaka. Apho uyazi ukuba esona sicwangciso silungileyo sokuphuma kule trance kukuba ukhethe ngakumbi kunangaphambili kwizigqibo ozenzayo. Kwaye enye yazo ngaphandle kwamathandabuzo yile inento yokwenza ne Indawo bayaphi ukuhambisa ngqo ulondolozo lwabo, ukuba ekugqibeleni bakhethe ukuthenga nokuthengisa izabelo kwimarike yemasheya njengemodeli yotyalo mali. Nangona ikwixabiso lokuthatha umngcipheko ngakumbi ekuhambeni kwabo ngenxa yokudibana kwezi asethi zemali.
Ewe, ngaphakathi komxholo ngokubanzi, kufanele kuqatshelwe ukuba uGoldman Sachs utshintshe ingqondo kwaye ngoku uqinisekile ngakumbi malunga Indaleko yaseWall Street. Emva kokulindela phakathi ku-Matshi ukuba ayikhange ikhuphe ukuwa ngakumbi kwi-S & P 500 ukuya kumanqaku angama-2.000 2.191, ngoku imeko yayo iphakathi kukuba ukuhla kuka-Matshi (amanqaku angama-XNUMX) asezantsi kwintengiso yebhere yangoku. Ubona amathuba amaninzi okuba isalathiso sinokunyuka kwizikhundla kwiinyanga ezimbalwa ezizayo, nangona kungakhululwanga kwizilungiso ezinkulu ezinokuthi zingene ekungeneni kwintengiso yeequity ngamaxabiso ahlengahlengiswe ngakumbi kwimidla yabatyali mali abancinci nabaphakathi.
Enye into ekufuneka uyiqwalasele ukusukela ngoku ukuya kwinqanaba lokuvuselelwa koqoqosho ngalunye lwasekhaya. Baya kunika umkhondo ongaqhelekanga malunga nokuba iimarike zentengiso ziya kuzikhetha iintshukumo V, U okanye u-L ubunjwe. Ngale ndlela, ngabatyali zimali abancinci nabaphakathi ngokwabo abayila isicwangciso sotyalo-mali ukwenza ulondolozo lwabo lube nenzuzo ngeyona ndlela inokwenzeka, kwimarike yesitokhwe enye okanye enye. Ukuhlalutya nangayiphi na indlela inkcitho ekufuneka bayenzile ukuthatha imisebenzi yabo kwintengiso yesitokhwe ukuya kwizithuthi ngeli xesha. Ukuthelekisa zonke iikhomishini eziveliswe kule misebenzi yokuthenga nokuthengisa kunye nakwiimarike zamanye amazwe zikhulu ngakumbi kunelizwe.
Izabelo eSpain
Yeyona eye yasilela kakhulu kwiinyanga ezininzi, hayi kuphela ukusukela kwengozi yemarike yemasheya kwiiveki zokuqala zika-Matshi. Kunye Umahluko malunga neepesenti ezi-2 ngokubhekisele kwizikwere zelizwekazi elidala. Nangona le meko inokukhokelela ekusebenzeni okungcono ukusukela ngoku kwaye njengesiphumo seli nqanaba lamaxabiso apho kufunyanwa khona isalathiso sezabelo sezabelo kweli. Ngaphandle kolunye uthotho lokuqwalaselwa okunento yokwenza nomba wobuchwephesha beemarike zentengiso. Apho elinye lamaqhosha kukuba i-Ibex 35 inokuba ngaphezulu kwenqanaba lamanqaku angama-6800. Emva kokufikelela kumanqanaba asezantsi amanqaku angama-5800 kwelona xesha libi lokwanda kwe-coronavirus.
Ngelixa kwelinye icala, i-Ibex 35 inxamnye nokuziphatha okungalunganga kwicandelo lebhanki kwaye exhomekeke kuyo kakhulu kwindaleko yayo. Ngenxa yobunzima obukhulu obuthile ekuziphatheni kwayo kwaye obunokuthi buthotyise ukubuyiselwa kwale marike yengeniso yesizwe. Ukuba akunjalo, ngokuchaseneyo, inokuntywiliselwa kwintshukumo egubungelayo njengesiphumo sobunzima obukhulu amaqela ezemali anayo kwi-Ibex 35. Phakathi kwabo, BBVA, Banco Santander, Bankia, Caixabank okanye Sabadell. Into engenzekiyo kwezinye ii-indices zesitokhwe kwilizwekazi elidala ezibonisa ukunikezelwa okungafaniyo kwaye ezinokunceda ukubonelela ngozinzo ngakumbi ekuvuseleleni.
Iingxowa eMelika
Yeyona ntengiso iye yakwazi ukumelana kakuhle nokuhlaselwa kwale ntlekele yezempilo, ngokuhla kwexabiso ngaphezulu kwe-20%. Kwaye yonke into ibonisa ukuba ukuchacha kwayo kuya kukhawuleza ngakumbi kunakwilizwekazi laseYurophu. Kwaye konke oku ngenxa "yenkxaso engenamiqathango" yeenkokheli zopolitiko, zombini iAmerican Congress kunye neTrump Administration kunye nebhanki ephambili ye Indawo yokuGcina (Utyisiwe). Ukusuka kule ndawo yokujonga, kunokuba lolona khetho lunqwenelekayo ukuvula izikhundla kwiimarike ze-equity. Kungenxa yokuba ukongeza, ayinakulityalwa ukuba kukho isibonelelo esibanzi kakhulu kunezinye ii-indices zesitokhwe. Ngokuthenga nokuthengisa izabelo zenkampani kulo naliphi na icandelo leshishini.
Kwelinye icala, ayinakulityalwa ukuba ii-indices zase-US zifikelele kwinqanaba labo elipheleleyo ngenyanga kaJanuwari. Ngotyekelo olonyukayo oluvela kwi-2012 kwaye ngaloo nyaka emva konyaka izabelo zabo ziye zaxabisa, nge Ukuxabisa konyaka ngaphezu kwe-40% kwinxalenye elungileyo yexabiso lemarike yemasheya. Ngale ndlela, kufuneka kukhunjulwe ukuba uDow Jones uye waxabisa phantse iipesenti ezingama-80 ukusukela ukuphela kwengxaki yezoqoqosho ngonyaka ka-2008. Ukuba yenye yezona ntengiso zinamandla kuzo zonke kwaye unomahluko omkhulu kwezinye. Akumangalisi ke ukuba imali eninzi ephuma kwimali enkulu yotyalo-mali iye yathunyelwa kwiimarike zamasheya kwelinye icala leAtlantic.
Tyala imali eYurophu
Iimarike zokulingana zaseYurophu zinokuthwaliswa uxanduva ngamathandabuzo amaninzi okuba ukusinda kwe-European Union kuyabonisa kwezi ntsuku. Kwaye ngaphandle kwamathandabuzo ukuba izikhundla zayo ziya kulibaziseka xa kuthelekiswa nezinye iimarike zezemali, ezinje nge IsiJapan, isiTshayina okanye iUS. Nangona kungayi kuba njalo ukutyala imali eyinkunzi ekhoyo kwimarike yemasheya yaseJamani kunaleyo yase-Italiya, kuba imikhwa yabo ilandela nganye iparameter. Ukusuka kule ndawo yokujonga, kuya kufuneka ukuba ukhethe kakhulu kukhetho kuba umahluko ungabaluleka kakhulu ukusukela ngoku. Ngokwahluka okunokufikelela kwinqanaba lonyaka elijikeleze i-5% okanye nangamanqanaba afunekayo nangakumbi. Kwaye loo nto iya kutshintshelwa kwinzuzo yotyalo-mali olwenziwe kunye nabasebenzisi bemarike yemasheya.
Kwelinye icala, inyani yokutyala imali eYurophu iya kuba yingxaki ngakumbi ngenxa yamathandabuzo athi abatyali mali abancinci nabaphakathi bavuse kwezi marike zezimali. Zombini ngokwembono yoqoqosho lwayo kunye neengxaki ezivelisiweyo kule ndawo ibalulekileyo, enokuthi ibe yenye yezona zilahlekileyo kule ngxaki yezempilo nezoqoqosho. Ngokuchacha okunzima ngakumbi, ngakumbi ngokubhekisele kumazwe asezantsi, njengakwimeko ezithile zaseSpain nase-Itali. Kongezwe kwinto yokuba kukho ukungqubana phakathi kwamazwe angamalungu e-EU. Ngokuthandabuza okuninzi kwiimarike ze-equity njengangoku.
Iimarike ezihlumayo, ewe okanye hayi?
Olunye ukhetho olunikwa ngabatyali mali abancinci nabaphakathi kukuba lixesha elifanelekileyo lokutyala imali abayigcinileyo kwiimarike ezisakhulayo. Ewe, le yeyona ndlela ingeniso inenzuzo kwimicimbi yabo kuba iya kuba yenye yezona zinto zichaphazeleka kukudodobala koqoqosho okwangoku kwaye kunokubakhokelela ekubeni bandwendwele ubuncinci kule minyaka idlulileyo. Apho ungaphulukana nemali eninzi apha endleleni ukuba ekugqibeleni abasebenzisi bakhetha eli thuba lokungena kwiimarike zezemali. Nangona iidragons zaseAsia azifani nezo khetha i-Mexican okanye i-Brazilian stock exchange. Umahluko ongafaniyo phakathi kwazo zonke ezi ntengiso zikhulayo kwaye oko kungakhokelela kwimisebenzi eyoyikisayo kwimarike yemasheya ukusuka kulo mzuzu kanye.
Ukusuka kolu luvo kutyalo-mali, olu lolona khetho luncinci olunokubakho kubatyali mali abancinci nabaphakathi. Kananjalo nenyaniso yokuba uninzi lweenkampani zabo zinokuthi zonakalise kwiinyanga ezizayo ngenxa yabo ukungabikho kobutyebi kwiiakhawunti zakho zeshishini. Ngale ndlela, ukufezekisa ukuzuza okunamandla kwimarike yemasheya, imeko yokuqala yokuba abatyali mali mabayamkele kukubeka emngciphekweni imali ephezulu kwiimarike zezabelo, nokuba sesichengeni sokuba uqoqosho lwasekhaya lunokuchaphazeleka ukuba amaxabiso okhuseleko akhethiweyo umendo we-bearish; Enye into kukusebenza kwixesha elide, ushiye ngapha nangapha amahla ndinyuka aphuhliswa ziinkampani ngexesha lokudweliswa kwazo, kodwa ngaphezulu kokucinga ukuba kuwo omabini la misebenzi ibuthathaka kwaye iyingozi kwiminqweno yomgcini osindayo ngenxa yemali ephezulu Ilahleko ezinokuthi zivelise naluphi na urhwebo lwesitokhwe.
Ukuhlawulwa kwemali okusemandleni kufanele kwenziwe kuphela kumaxesha anyukayo okanye kwiimeko apho ukhuseleko olukhethiweyo lukwimeko yobuchwephesha "yokunyuka kwamahhala", ekhokelele ekuhlaziyweni okungaphezulu kwe-50% yenzuzo kwezinye iimeko, kunyuke okulandelayo kwisave semali. Njengakwiintshukumo ezichaseneyo, ezo zihambelana nokuwa simahla kwamaxabiso emarike yemasheya. Into enokwenzeka ukuba yenzeke kwimeko yangoku kwiimarike zezemali.