Izitshixo ezisi-8 zokukhusela ulondolozo lwakho kwimarike yemasheya

Abantu abagciniswe imali yabo kwii-equity baya kuyibona indlela ezithe zehla ngayo iipotifoliyo zabo zezibambiso nge-10% kwinyanga yokuqala yowama-2016. Uya kushiya endleleni isixa esingathethekiyo se-euro ezingama-1.000 XNUMX. Kwaye kwamanye amaxabiso ilahleko iya kuba nzima nangakumbi, ifikelele kumanqanaba angenakufikeleleka kubasindisi abaninzi. I-Repsol, i-Arcelor Mittal, i-Sacyr okanye i-Acerinox ngamanye amaxabiso. Ayothusi into yokuba ukungazinzi kubuyiselwe kwakhona phakathi kwabatyali mali abancinci nabaphakathi. Nokuba nini?

Amathandabuzo okuba uninzi lwala mazibuko agcina imali, kwaye njengoko kunokuba njalo kwimeko yakho, kukuba ingaba ezi ntshukumo zingumnyhadala othile, okanye ngokuchaseneyo, ngokuqinisekileyo ziya kuhlala kwiimarike zezemali. Zininzi euro ukuba ungcakaza, kodwa kungabalulekanga kangako, isicwangciso oya kuthi usisebenzise kwiinyanga ezimbalwa ezizayo ukoyisa isaqhwithi. Ngombono wentengiso yesitokhwe ongamenyi ithemba ngokuthe ngqo, njengoko abahlalutyi abadumileyo bebonisa.

Ngaphandle kwayo yonke into, ukutyala imali kwimarike yemasheya kuye kwaba lelinye lamathuba ambalwa okufumana imbuyekezo eyamkelekileyo kulondolozo lwakho. Njengesiphumo senzuzo esezantsi enikwa ngoku ziimveliso zebhanki ngokusekwe kwingeniso esisigxina (iidipozithi zexesha, amanqaku ezithembiso, iibhondi, njl.njl. Ngenxa yesigqibo seBhanki eNkulu yaseYurophu (i-ECB) yokwehlisa ixabiso lemali, kwaye oko kuye kwakhokelela ekubeni inzala iphantse ibe zero.

Uluvo olubi lweemarike

Ngayiphi na imeko, utyalo-mali lwesitokhwe luthwala umngcipheko ongenakukwazi ukukhupha kuwo, kungasasancitshiswa kakhulu. Akunjalongo noko. Ngokukodwa kunyaka we-atypical onje, oqale kumhlaba ongalunganga phantse ukusuka ngoJanuwari 1. Ngenxa yoku, ulumkiso kufuneka lube lolona lubonisa izenzo zakho kwiimarike zamasheya. Awuyi kuba nanto unokuyenza ngaphandle kokuyamkela ukuba awufuni kuphulukana nenxalenye yolondolozo lwakho kolu hlobo lotyalo-mali, ebeluthandeka kuwe kule minyaka idlulileyo.

Mhlawumbi Umjikelo weshishini utshintshile, njengokuba besitsho abezomnotho. Kodwa nangayiphi na imeko, ukudodobala koqoqosho okutsha kunye neziphumo ezibi zokwehla kuqoqosho lwaseTshayina yinto ebhabha kwiimarike kwezi ntsuku. Kuya kulungeleka kakhulu ukuba uyithathele ingqalelo ukucwangcisa ngokuchanekileyo isenzo sakho kwiimarike zesitokhwe ukusukela ngoku. Iya kuba sisitshixo sokuchonga impumelelo yokusebenza kwakho.

Ukuze uphuhlise izikhokelo zokuziphatha eziluncedo kuwe kubudlelwane ekufuneka ubuthathile ngokubhekisele kwiimarike zezabelo, awuyi kuba nanto unokuyenza ngaphandle kokungenisa uthotho lweengcebiso zokuhambisa imisebenzi yakho kulo msebenzi ulukhuni uziswa kuwe . Ayisiyiyo kuphela yokwandisa isikhundla sakho, kodwa ngokusisiseko khusela imali oyigcinileyo kwiinyanga ezimbalwa ezizayo.

Isicwangciso-qhinga sakho, ke ngoko, kufuneka simiselwe phantsi kwesi siseko sibalulekileyo, ngaphandle kokulibala ukuba yimali yakho ongcakazayo. Kwaye malunga nayo kufuneka ulumke, kwaye nokungabikho kwiimarike ixesha elide njengoko kuthatha. Ngaphandle kokukunika ubunzima, kodwa ugcine uqeqesho kwimidlalo yakho. Kusenokwenzeka ukuba kuphela kwento enokuthintela u-2016 ukuba ube ngunyaka weenkumbulo ezibuhlungu kwimbali yakho njengomtyali mali wentengiso.

Isitshixo sokuqala: hlukanisa utyalomali lwakho

Ukuba awufuni ukuvela kakubi kwemarike yemasheya ukonakalisa ulondolozo olugcinwe kangangeminyaka emininzi, awuzukukhetha ngaphandle kokwahlulahlula utyalomali lwakho. Ayisiyiyo kuphela kwii-equity, kodwa nakwingeniso esisigxina. Ukwamkela lo mceli mngeni, uya kuba nakho ukudibanisa iiasethi ezahlukeneyo zezemali zeentlobo ezahlukeneyo, kuxhomekeke kwimeko ezivelayo apha enyakeni.

Esi sicwangciso sisodwa sinokuqhutywa ngokuthe ngqo kwiimarike, okanye ngemveliso yezemali ehlangabezana noku kulindelweyo. Ngale ndlela, iimali ezixubeneyo zotyalo-mali ngumzekelo olungileyo wokuba ungayisebenzisa njani, kwaye ungazuza kwizibonelelo zayo, kwelinye icala, zininzi. Unokukhetha phakathi kweemodeli ezininzi, eziza kubhaliswa ngokuxhomekeke kwiprofayili oyivezayo njengomtyali mali.

Isitshixo sesibini: khetha amaxabiso okusabela

Eyona ndlela ilungileyo yemozulu ngakumbi imeko ezigwenxa yile yezi asethi zemali. Baqhuba ngcono, kwaye unokufumana nembuyekezo enomtsalane kulondolozo lwakho. Ezizi? Ingakumbi izinyithi ezixabisekileyo, ngakumbi igolide. Ukuzivelela kwabo kwiimarike kulunge ngakumbi, kuba amawaka abatyali zimali bajika bajonge kubo, baphambukise ikapitali yabo ukwenza igalelo labo lezoqoqosho libe nenzuzo.

I-oyile, nangona inobungozi obuphezulu kakhulu, inokuba yenye indlela yokufezekisa ezi njongo. Kwaye ngenxa yokuwa kwayo kwiimarike zezemali ezikhokelele kumaxabiso angazange abonwe ukusukela ngo-2003, kunye nokufikelela kumanqanaba eedola ezingama-25 umphanda. Ngokwabahlalutyi abohlukeneyo bezezimali, umgangatho wawunokwenziwa ngexabiso lawo. Kwaye ukuba olu tshintsho kwindlela luqinisekisiwe, akukho mathandabuzo ukuba isenokuba lithuba lokuthatha izikhundla kwigolide emnyama.

Isitshixo sesithathu: musa ukubeka emngciphekweni imali ngokungeyomfuneko

Awunasibophelelo sokutyala imali oyigcinileyo kwii-equities. Kukhethwa ukuba ubekho, kunokuba wenze intengiso embi yesitokhwe. Ukongeza, ukuba uyalilandela eli cebiso, ungathatha ithuba lamathuba okuthenga okwenyani anokuvela kwiinyanga ezimbalwa ezizayo. Kwaye ungazibeka ngokusesikweni phantsi kwamaxabiso okuthenga acebisayo.

Ngethuba nje imeko yemakethi yesitokhwe iqhubeka ngokucacileyo i-bearish-njengoko kungoku nje ekuqaleni konyaka-awuzukukhetha ngaphandle kokubona iinkunzi zeenkomo ecaleni, ukuba awufuni nasiphi na isiliphu esichaphazela ngqo ukujonga kwakho iakhawunti. Kuphela ukuba utshintsho lwendlela lufunyenwe, kuya kufuneka usitshintshe isicwangciso, kwaye ewe ewe, wenze ukuthenga okukhethiweyo kwiimarike. Nangona kunjalo phantsi kokhuseleko oluthile ekusebenzeni.

Isitshixo sesine: khetha ukhuseleko oluphezulu lwezahlulo

Ukuba, ngaphandle kwayo yonke into, intuition yakho ikuxelela ukuba lixesha lokuba uye esidlangalaleni, ungayenza iminqweno yakho ibe yecaleni ngokusetyenziswa kweenkampani ezidwelisiweyo ezihambisa Izabelo eziphezulu phakathi kwabanini zabelo. Akunanto, Ungafumana isivuno esifikelela kwi-8% kwezinye zazo. Kwaye kuyo nayiphi na imeko, kunenzuzo enkulu ngakumbi kunemveliso yolondolozo lwendabuko, ekunqabele ukukunika into yokuba ugcine imali.

Isithembiso esenziwa yimarike yaseSpain ibanzi kakhulu, kuba nakho ukukhetha phakathi kwezokhuseleko ezivela kumacandelo eshishini ahlukeneyo. Ngokukodwa ukubhengezwa kweebhanki, umbane kunye noohola wendlela, ngesahlulelo esiphakamileyo, abaya kukunika sona phakathi kwe 1 kunye namaxesha ama-4 ngonyaka, kuxhomekeke kumgaqo-nkqubo womvuzo wenkampani nganye. Nokuba unakho ukuyiphinda uyityale kwizabelo zeenkampani ngokwazo, nangona okwangoku ingesiso isicwangciso esinconyelweyo kwimidla yakho.

Isitshixo sesihlanu: thintela awona macandelo aphikisanayo

Nokuba yeyiphi na indlela, ukuba awufuni kubambeka kulo naliphi na ixabiso, iya kuba yinto ephambili leyo thintela awona macandelo asemngciphekweni ukuwa kweemarike zezemali. Iziphumo zingabulala umdla wakho njengomtyali mali omncinci, njengoko kwenzekile kwiiveki zokuqala zonyaka omtsha.

Ngokuchasene noko, izitokhwe ezikhuselayo zezona zicetyiswayo kwiimeko zokungazinzi okukhulu kwiimarike. Kuyinyani ukuba ababoneleli ngovavanyo olukhulu, kodwa ubuncinci bayamodareyiza ukwehla kwabo kwiintshukumo zorhwebo ezixineneyo. Ngokuzinza okuthile kumaxabiso abo njengophawu oluphambili lwezenzo zabo.

Isitshixo sesithandathu: ukumodareyitha igalelo lakho kwintengiso yesitokhwe

Kwiimeko ezikhoyo ngoku Akufuneki wenze igalelo elikhulu lemali kwimarike yemasheya. Ke ngoko wabela iipesenti ezingama-30, ubukhulu becala, ukonga kwakho kuya kuba ngaphezulu ukonela ukukhusela umdla wakho. Akumangalisi ukuba uya kuba nexesha lokubanyusa ukuba imeko yentengiso iyaphucuka enyakeni.

Ipesenti eseleyo inokunikezelwa kwiimveliso ezikhuselekileyo eziqinisekisa intsebenzo, nokuba incinci, kodwa ngaphandle komngcipheko omkhulu. Ngale ndlela, ukhetho lwakho lunokujoliswa kulo enye imali yokubuyisa, kunye nabasindisi abazikhusela ngakumbi, bade bangenise irhafu yekota ephezulu yokufumana ixesha (abathengi abatsha, abanxulunyaniswe nomvuzo, njl.

Isitshixo sesixhenxe: unokuncika kwimarike yesitokhwe ukuya kwicala eliphantsi

Njengesicwangciso esiliqili, kwaye ukuba imeko esezantsi kwiimarike zezemali iqinisekisiwe, uya kuhlala unethuba lokwenza imisebenzi yokubheja ekwehleni kwamaxabiso, ii-indices kunye namacandelo esitokhwe. Njani? Ewe, ilula kakhulu, ngokusebenzisa Ukuguqula iimveliso, ukuba ungabahambisa ngokuthe ngqo kwizabelo zabo, okanye ngeemali zotyalo-mali zezi mpawu

Ngayiphi na imeko, kuya kufuneka ucace gca malunga noku kuvezwa, kuba ilahleko enokuthi iveliswe yipotifoliyo yakho yotyalo-mali ibaluleke kakhulu, nokuba kunokwenzeka ukuba awunakukucinga. Iya kufuna, ingaba kuncinci kangakanani, inqanaba eliphezulu lolwazi kwiimarike kwelakho icala. Ukuba akunjalo, kungcono uyeke ukwenziwa ngokusesikweni, kwaye ukhethe ezinye iimodeli ezinobundlongondlongo.

Isitshixo sesibhozo: ukudibanisa ne-asethi ekhuselekileyo

Olunye ukhetho olunikwa ziibhanki kukutyala imali kwintengiso yesitokhwe ngebhasikithi yezabelo ezibandakanyiweyo kwiidipozithi ezithile zekota. Iya kukunceda ukukhusela ulondolozo lwakho, kuba uya kuba nefayile ye- Ubuncinci bokufumana inzuzo, enokuthi inyuswe ukuba isahlulo se-equity sifezekise ubuncinci beethagethi.

Iibhanki ziya zisanda ukukhula kwezi modeli, ezivumela ulawulo olukhulu lokulondolozwa kwazo ngabathengi. Kwaye ngokubanzi kunamaxesha amade kunesiqhelo, malunga ne-1 ukuya kwiminyaka emi-3.