Ngokophononongo oluninzi lweengcali zentengiso yesitokhwe, u-2016 awuzukuba ngunyaka onendlela echaziweyo kubatyali mali, kodwa ngokuchaseneyo, iya kungeniswa emanzini kwinkqubo yokutshintsha okukhulu kunakwiminyaka edlulileyo. Kubonakala, ngokusekwe kwezi ngcinga, ukuba ayizukuphinda ifane, kwaye kuyakufuneka siphile phantsi kwemeko eyahluke kakhulu, kwaye ingabi njalo, eya kuthi inyanzelise ubunzima obukhulu ukwenza ulondolozo lube yinzuzo.
Ukusuka kule meko icetyiswe ziingcali, akukho nto iya kufana, kwaye ukusukela ngoku kuya kubakho ukufuneka kungekuphela nje ukufumana imbuyiselo encinci kulondolozo oluqokelelweyo, kodwa ngakumbi ubakhusele ngokubanzi kubo. Umsebenzi onzima owenzelwe wena, ngaphandle kokucacisa gca ukuba amaxabiso ezabelo azokuya phi kwiinyanga ezizayo. Umkhombandlela weemarike zezemali awucaci kwaphela, njengoko kubonisiwe kokuwa kutsha nje kunye nokubukhali kuzo zonke iimarike zentengiso zehlabathi.
Kwinyanga yesiqhelo yokwenyusa efana noDisemba, ngaphezulu kwayo yonke enye, kwaye kuyamangalisa ukuba izabelo zeenkampani ezidwelisiweyo ziye zehla ngoluhlobo, kwaye ngaphandle kokuba indibano yeKrisimesi ekudala ilindelwe ivele. Ukunyuka okuphezulu okunceda ukunceda abatyali zimali abancinci nabaphakathi, nabangena kwiimarike ngeli xesha ukufezekisa inzuzo kwiimali abazigcinileyo.
Kodwa eyona nto kugxilwe kuyo ngoku kukuba ingaba unyaka olandelayo uza kuhlala uphantsi kwemida yenzuzo, okanye ngokuchaseneyo, inkqubo ephezulu ephuhlisiwe kwiminyaka edlulileyo idlulile. Kwiinyanga ezimbalwa ezizayo ukuze bakwazi ukufumana izibonelelo kwii-equities, imeko entle kakhulu kuya kufuneka inikezwe, leyo iya kuthi ibekwe ngabatyali mali kuKumkani abathathu kuTyelelo lwabo olulandelayo. Umnqweno onokuthi usebenze phantsi kwe-euro ezininzi emva kokuba kwenziwe umsebenzi.
Izipho ezilungileyo kubatyali mali
Ukuba ufuna ukuxhamla kwizabelo ezikhuselekileyo, awuzukukhetha ngaphandle kokulungiselela ileta yakho ukuba uyihambise kwakamsinya kwiiKumkani eziNtathu.. Apho kuthotho lweminqweno ifakiwe enokuthi yamkelwe kakuhle ziimarike, Kwaye kwiimeko ezininzi kuya kuxhomekeka kwindaleko ukusukela ngoku. Phakathi kwale minqweno, ewe, kufanele ukuba kubekho izimvo esiza kukuveza apha ngezantsi.
Ngokuqinisekileyo awusayi kuphinda ulungele isiqhumiso esiqhelekileyo okanye iqhina, nkqu nefowuni entsha. Uya kufuna into entsha, enobuchule obuninzi, eya kukonyusa iiasethi zakho ngeli xesha. Kwaye ukuba ungumtyali mali, iya kugxila ekubumbeni imeko efanelekileyo ukuze iimarike zezemali zamkelwe ngakumbi kwiminqweno oyifunayo.
Ayothusi into yokuba ubukhulu becala iya kuxhomekeka ekubeni iakhawunti yakho yokutshekisha ikwimeko engcono kwibhalansi yayo kwiinyanga ezilishumi elinambini. Ngale ndlela, jongana neminqweno yakho osenyongweni: uhambo nosapho lwakho, tshintsha iimoto, okanye uzonwabise.
Ukusukela ngalo mzuzu ukuya phambili, uya kufumaneka ukuba uthathe iphepha kunye nepensile kwaye ubhale phantsi zonke iimfuno ezinokubuzwa ziimarike zezemali, kwaye ngokuzongeza uzuze ngokwakho, ngembuyekezo oyifumanayo kwimali oyongileyo. Yintoni egqithisile, ezinye iindlela zakho zokuyazisa azonelisi kumaxesha akhoyo xa ixabiso lemali liphantsi.
Ngomvuzo omiselweyo ongabonisi mbuyekezo ngeemveliso eziphambili zebhanki (idiphozithi, amanqaku ezithembiso, amatyala ...). Ukuba ufuna inzuzo ephezulu, awuzukukhetha ngaphandle kokuya kwizabelo, nangona uthatha umngcipheko omkhulu. Umrhumo kuya kufuneka uhlawule ngokukhetha le modeli yotyalo-mali.
Isipho sokuqala: uzinzo kwiimarike
Ngaphandle kolu phawu lubalulekileyo, icebo lakho lotyalo-mali alinakufikelela nakweliphi na izibuko. Ukuze lo nyaka uphele ngemiqondiso elungileyo, ukusuka kumbono wentengiso yesitokhwe, Amagqirha aseMpuma kufuneka acelwe ukuba asuse zonke iimpawu zokungazinzi ezichaphazela iimarike.
Ayisiyiyo kuphela imeko yezoqoqosho, kodwa ikwakwindawo yezopolitiko (iinkqubo zonyulo, ii-referendums, kunye nokungazinzi koorhulumente). Okanye nakwezentlalo, apho imeko yemfazwe inganikeli mpembelelo intle ukuze amaxabiso ezabelo anyuke kwiipaki. Kodwa ngokuchasene noko, njengoko ubona kwiiveki ezidlulileyo zika-2015.
Ukusuka kolu luvo, kuya kufuneka sazi ngolonyulo oluzayo oluza kubakho e-United States ngo-Novemba olandelayo. Kwaye njengenxalenye egqwethekileyo ekubambeni iimarike, ukukhula kwemfazwe ebangelwe Mbindi Mpuma njengeyona ndawo yabo.. Ukwanda kwazo kunokuba nefuthe elibi kuwe ukuze ufezekise iinjongo zakho kwisithuba sonyaka.
Isipho sesibini: ukumodareyithwa kokuwa kweoyile
Kuyinyani ukuba amaxabiso eoyile akhoyo ngoku anokunceda ukukhula kwamanye amazwe ukuba omelele, nokuba ipetroli ingabizi kakhulu kwaye unokugcina iindleko kuhambo lwakho olulandelayo. Kunjalo. Kodwa njengoko abahlalutyi abadumileyo beqinisekisa, inako kukhokelela ekudalweni kwenkqubo apho ukunyuka kwamaxabiso kwi-European Union kungalunganga.
Njengomphumo wale meko, ichaphazela iinqwelomoya eziphambili zomanyano loluntu, ezineengxaki ezinkulu kuqoqosho lwazo. Ngayiphi na imeko, baya kwamkelwa kakubi ziimarike zesitokhwe, zibonisa ngokubalulekileyo ukuhla kumaxabiso ezabelo.
Isipho sesithathu: ukuhlawula ngakumbi kwiimarike zezemali
Ukusebenza kweeKumkani zaseMpuma kunokujolisa ekubuyeni komnye umlingo, kodwa ngeli xesha kwezemali. U-Mario Draghi ongenakuphepheka, umongameli we-European Central Bank (i-ECB), othe ngenye yeendlela zakhe zokupheka ezisebenzayo zokunyusa amaxabiso eenkampani ezidweliswe kwii-equities. Sele eyenzile amatyeli aliqela ngo-2015, nangona kubonakala ngathi akunakulindeleka ukuba umvundla ukhutshwe umnqwazi ukonyusa isimilo somtyali.
Inaliti entsha yokuthengiswa kwemali kwiimarike iya kuba nefuthe elihle kumaxabiso eenkampani, kwaye inokukunceda ekwenzeni imisebenzi yakho ihlawule izibonelelo ezinkulu. Ngokufanayo, kuya kufuneka Nika ingqalelo kwiintshukumo ze-United States Federal Reserve kwinkqubo yayo yokwehlisa inzala ukuqala kulo nyaka.
Isipho sesine: inzuzo enkulu kwiinkampani
Ukuba ufuna ukwenza ukonga kwakho kunenzuzo, kuya kufuneka ube neziphumo ezihle kakhulu zeshishini ezivela kwiinkampani ezidwelisiweyo. Ukuba akunjalo, amaxabiso akho ngokuqinisekileyo aya kusokola kwaye aya kufumana izilungiso ezifikelela kude. Ukugcina ezi datha engqondweni, kuya kufuneka uyazi ukuba Zonke iinkampani ezidweliswe kwii-equity kufuneka zingenise iiakhawunti zazo kwiimarike rhoqo ngekota.
Kuxhomekeke kwiziphumo zakho, imeko eya kuboniswa ngamaxabiso akho iya kucaciswa ngandlela thile. Isenokuba nguye olona tyando lokuthenga okanye ukuthengisa izabelo zezi nkampani. Nokuba kukho intshukumo eguqukayo enokubonwabisa abatyali mali abakhohlakeleyo abaqhuba imisebenzi yabo kwiseshoni enye yorhwebo.
Isipho sesihlanu: ukukhula koqoqosho lwamanye amazwe
Ukuze lo msebenzi wokurhweba ube nethemba, kuya kunyanzeleka ukuba uqoqosho lwamazwe aphambili lubunjwe ngendlela yokukhula okucacileyo. Iya kuba sisitshixo kwintsebenzo yotshintshiselwano lwesitokhwe samanye amazwe kwiinyanga ezizayo. Iyakuthi ichaphazele nokubaluleka okukhulu kunamanye amaxesha, ukuba abo basakhasayo bathathe le ndlela kwakhona, ukuba iyasebenza ukukhulisa iimarike zabo.
Enye indlela onayo kukukhetha iibhegi zala mazwe. Kwaye emva kokubandezeleka okubonakalayo kwi-indices zabo, banokuguqula imeko, kwaye bakhule kwakhona ngenxa yemigaqo-nkqubo yabo yokulungelelanisa uhlahlo-lwabiwo mali. Kulungile ukuba uyithathele ingqalelo ukubandakanya ubuncinci benxalenye yenkunzi yakho efumanekayo yabele kwezi asethi zemali.
Isipho sesithandathu: uzinzo olukhulu eTshayina
Kwaye okokugqibela, umnqweno ongenakuphuthelwa kwileta yakho eya kubungangamsha babo kukuba lo msebenzi awuzisi zimanga zimbi malunga ne China. Nakuphi na ukuphambuka okukuyo ngokwembono yezoqoqosho kunokuba nefuthe eliyingozi kwiimarike ezisele. Sele usibona isisongelo sale meko ehlotyeni, kunye nokwehla kwizabelo zaseYurophu ukuya kuthi ga ngaphezulu kwe-10% kwezinye zezona ndawo zimele izalathiso.
Naliphi na icebo lotyalo-mali ngeli xesha lonyaka kuya kufuneka libe nesigebenga saseAsia njengendawo ekubhekiswa kuyo, ngcono okanye kokubi. Ngayiphi na imeko, kuya kuthatha isigqibo sokuba ngaba kuthathwa isikhundla okanye hayi kwizikhundla zentengiso, zihlala zilumkisiwe.
Ukuba ekugqibeleni iiKumkani zikunika yonke le minqweno, ngokuqinisekileyo izinto ziya kuhamba kakuhle kwiminqweno yakho, kwaye ngokuqinisekileyo uyakwenza ifa elinamandla ngakumbi kuneli unalo ngoku, ngokuqinisekileyo. Nangona kunjalo, ngokuqinisekileyo ngaphezulu komnqweno omnye uya kulityalwa, kwaye inokuthintela umsebenzi wakho ukufezekisa iinjongo zakho.
Imbonakalo yentengiso yesitokhwe yaseSpain ngabahlalutyi abaziintloko bezentengiso bonisa ukuba iyakuvelisa uhlaziyo phakathi kwe-5% kunye ne-10% malunga. Kodwa nakuphi na ukutyibilika kwiminqweno oyiphakamisileyo kunyaka omtsha kungazitshabalalisa ezi zibikezelo. Kwaye ekupheleni kosuku, aziyonto ngaphandle kokulindelweyo, kwaye iya kuba ziimarike ngokwazo eziya kuthi ekugqibeleni zinyanzelise ubunyani bazo ngamaxabiso ahlengahlengiswe kwinyani.