Lo ngomnye wemibuzo ebaluleke kakhulu abatyali-mali abancinci nabaphakathi abazibuza yona ngalo mzuzu. Kungenxa yokuba bayamangaliswa kukuba kungakhange kubekho nto ibaluleke kakhulu kwi-bearish ukuza kuthi ga ngoku. Isalathiso esikhethiweyo se-equities yesizwe, i-Ibex 35, sele ihamba iinyanga ezininzi phakathi kwamanqanaba Amanqaku angama-9.000 9.500 no-XNUMX XNUMX. Kungabikho nakuphi na ukuphambuka okubalulekileyo kule mida kwixabiso kwaye ngandlela thile kwenza uninzi lwabatyali zimali abathengisayo batyhafile.
Ukusuka kule meko, kunzima kakhulu ukwenza imisebenzi kunye neziqinisekiso ezithile zempumelelo kuba bengazi nokuba ukudodobala koqoqosho okwamkelayo okuze kuhlala, ubuncinci iinyanga ezimbalwa, kuthotyelwe isaphulelo. Kule meko inzima, kuyinto eqhelekileyo ukuba umtyali mali ngamanye amaxesha angacaci malunga nokuba enze ntoni, okanye zeziphi iindlela zotyalo-mali zokuzisebenzisa kwezi ntsuku. Ngokuthatha isigqibo esingakhange sibonakale iminyaka ethile.
Ngelixa kwelinye icala, kubaluleke kakhulu ukuba kwenziwe ukhetho kwiiasethi zemali eziyakuba yinxalenye yepotfoliyo yethu elandelayo yotyalo-mali. Ngengxaki engapheliyo yokuba ukhethe i amaxabiso anomsindo ngakumbi okanye ukuba, ngokuchaseneyo, esona sigqibo sihle simelwe zezona zindululo zizikhuselayo. Ngokuyinxenye, ngenxa yeziphumo zokudodobala kwezoqoqosho ezinokuvelisa kwiimarike zezabelo. Apho nayiphi na impazamo eyenziweyo inokubiza umdla wakho.
Iziphumo zokwehla kwemali kwiimarike zamasheya
Kukho inyani ecace gca kwaye leyo kukuba imarike yemasheya yaseSpain ithengisa ngamanqanaba afanayo kwiminyaka emihlanu eyadlulayo. Oko kukuthi, ngaphandle kwenkqubela phambili, kodwa kungaphulukani nezikhundla kwiintshukumo zabo kwimarike yemasheya. Apho kuyinyani ukuba kwiinyanga ezimbalwa iimarike zezabelo ziye zakuphuhlisa ukufika kwenkqubo yokudodobala koqoqosho. Kodwa ngumahluko wokuba kuninzi ukuhlawula amatyala kunezinye iimeko ezinalezi mpawu. Ngenxa yeempembelelo ezivela kwimibutho yoluntu kwaye zibe neziphumo ezilungileyo kakhulu kwiimarike ze-equity.
Ukusuka kule meko, akunakulindeleka ukuba ukwehla kwimarike yemasheya kuya kuba sezantsi kakhulu xa kuthelekiswa namanqanaba akhoyo. Ukuya kwinqanaba lokuba izikhundla zinokuthathwa kwixesha eliphakathi nelide. Ngamathuba athile kwishishini anokuba nomdla kakhulu ukusukela ngoku. Ngamanye amaxesha ngamaxabiso axineneyo kwezinye zexabiso le-Ibex 35 kwaye mema izikhundla ngabatyali mali abancinci nabaphakathi. Njengoko kucetyisiwe ngabanye babahlalutyi ababalulekileyo beemarike.
Kukho intetho yendlela yokuphuma kuqoqosho
Kuyo nayiphi na imeko, sele zikhona iingxelo zoqoqosho ezithetha ngomhla wokuphelelwa lixesha lokudodobala kwezoqoqosho kwaye oku kungowama-2021. qikelela iimeko zoqoqosho. Kwithiyori, njengoko kukudodobala kwamandla asezantsi, ngekhe kumangalise ukuba kunyaka olandelayo bekuya kubakho ukutsala okuphezulu kobunzulu. Iya kuba lilungelo ke kubatyali mali abanephrofayili enobundlongondlongo ngakumbi. Ngokukodwa, ngokusebenza kukhuseleko kwimarike yaseSpain ebonisa inqanaba eliphezulu lokuthengisa ngaphezulu.
Kwelinye icala, ayinakulityalwa ukuba elinye lamaqhosha okuphepha ukuwela kumgangatho ohla ngokulingana kweSpain kukuba Inqanaba lamanqaku ayi-8.500. Logama ingaphezulu kwemida ethile sinokuzola ngakumbi okanye ngaphantsi kuyo nayiphi na imbono. Ngaphandle kwemisebenzi eqhutywa ngexesha elifutshane. Ngayiphi na imeko, kunokwenzeka ukuba uvule izikhundla kwimarike yemasheya ukusuka kwizicwangciso ezilinganiselweyo ngakumbi kunangaphambili. Ke ngale ndlela, inqanaba lezibonelelo linokuphakanyiswa ukusukela ngoku.
Ulwahlulo lweeasethi zemali ezahlukeneyo
Kwelinye icala, kuhlala kukho ubutyebi bokudibanisa iiasethi zemali ezininzi njengefomula yokugcina imali ngaphezulu kwezinye izinto zobugcisa. Ngale ndlela, esinye sezindululo kwi utyalo-mali olutsha isekwe ekukhetheni ezinye iimveliso ezihambelana notyalo-mali oluphambili kwizabelo. Kwaye ukusuka apho unokwenza khona nasiphi na isicwangciso sokwenza inzuzo ekulondolozeni imisebenzi kwimarike yemasheya.
Utyalomali lunokwandiswa ngo mali mali, iidipozithi zebhanki zexesha elide. Ukuze ungabinayo yonke imali oyigcinileyo kwibhaskithi enye kwaye ngale ndlela ungalahlekelwa sisiqingatha esibaluleke kakhulu semali oyityalileyo. Akumangalisi ukuba, ngumkhwa wokuba abatyali mali abanamava ngakumbi kolu hlobo lwemisebenzi bahlala rhoqo.
Imilinganiselo enokuzisa uvuyo
Elinye lamaxabiso kwimarike yemasheya yaseSpain enokuba yinzuzo kakhulu ngeli xesha Imephu ukuba ulinde i-euro ezintathu kwaye kungekudala uza kuyifumana. Ngaphandle koko kunokubakho ukuncitshiswa ngamanye amaxesha onyaka ngenxa yokungazinzi kwiimarike zezabelo. Ngexabiso elongeziweyo elinikezela ngesahlulo semivuzo yenye yezona zinomtsalane ngalo mzuzu. Ngomdla ophakathi ngonyaka ongaphezulu nje kwe-3%, yenye yezona ziphezulu kwisalathiso esikhethiweyo se-Spanish equities, i-Ibex 6.
Ngelixa amacebo otyalo-mali esekwe kwinto enokwenzeka ukusukela ngoku ukuya phambili isolaria. Kule meko, kuba ibonelela ngohlengahlengiso olucebisa kakhulu ukuthatha isikhundla kwesi sikhundla, kwelinye icala esinobungozi obuninzi ekusebenzeni. Kodwa ngaphandle koku, kubonakala ngathi inokunika ukwaneliseka okungaphezulu kwesinye kubatyali mali kwixesha elifutshane neliphakathi. Nangona yenzelwe iminikelo yemali ethozame kakhulu kunabanye kuba umngcipheko uphakame kancinane, ukuze ngale ndlela, inqanaba lezibonelelo liphakanyiswe ukusukela ngoku.
Ukuba ulwakhiwo lukarhulumente luluhlu
Ngokuchasene noko, ukuba ukuyilwa korhulumente onokubakho kwilizwe lethu kunegalelo. Ukuza kuthi ga kule veki i-Ibex 35 iwile ukusuka kumanqaku ayi-9400 ukuya kuma-9000 amanqaku ebevale ngawo lo Lwesihlanu. Apho elona lichaphazeleke kakhulu licandelo lebhanki elikhokelele kwilahleko kurhwebo lwezabelo kuzwelonke. Ngokwehla kwemihla ngemihla ngaphezulu kwe-2% kwezinye iimeko ezinje nge-Bankia isondela kwi-5%. Ukuhamba okuyingozi kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Akumangalisi ukuba uninzi lweenkxaso ezazinokubaluleka okukhethekileyo ukugcina imeko ephezulu ababetywelwe kuyo kwiinyanga ezidlulileyo yaphulwe.
Ezi ziindaba ezingakhange zithathwe kakuhle ziiarhente ezahlukeneyo kwiimarike zezemali. Okokuba kwiimeko ezininzi bakhethe ukuhlehlisa izikhundla zabo ukuze babuyele kwityala labo lokugcina imali ngaphambi kwento enokwenzeka ukusukela ngoku. Apho uqikelelo alukho mhle kakhulu ukungena kwiimarike ze-equity, njengoko kubonisiwe kwezi ntsuku zi-bearish kwimarike yemasheya kwilizwe lethu. Oko kukuthi, izinto azijongeka zilungile ukuze kwiintsuku ezizayo wenze ukuba izikhundla zakho zinenzuzo kwezi zicwangciso zotyalo-mali. Ukuba akunjalo, kuya kuxhomekeka kakhulu kwindlela iimpendulo eziya kuqhubeka ngayo kwizikwere zikazwelonke. Nangona yonke into ibonakala ibonisa ukuba imeko inokuthi ifane nale veki siyishiyileyo.
Uninzi lwamacandelo okuzikhusela kwimarike yemasheya
Ngayiphi na imeko, kufanele kuqatshelwe ukuba imeko yehlabathi iyaqhubeka ukuba ntle kubatyali mali. Ukuza kuthi ga kwinqanaba lokuba ii-equities zase-US ziphinde zakwazi ukwaphula amanye amaxesha aphakamileyo. Nangona bonke abatyali mali abancinci nabaphakathi bewazi umzuzu apho izilungiso zenzeka khona kuba ayinakulityalwa ukuba banokuba nobundlobongela ngokuchanekileyo ngenxa yokuma nkqo kokunyuka kwangaphambili. Apho ulumkiso kufuneka lube sisixhobo esiphambili esisetyenziswa ngabasebenzisi bemfuyo. Ngaphezulu kwezicwangciso ezinobuchule zotyalo-mali, kodwa ezinxibelelene ngokusondeleyo nemisebenzi yomngcipheko ophezulu kunangoku.
Amanye ala macandelo, okothusayo uninzi lwabasebenzisi, bayazikhusela kodwa emva kwako konke babonakalise ukubuyela umva kwiiveki ezidlulileyo. Kubalulekile ukuvavanya ukuphuma kwiimarike zezabelo. Kungenxa yokuba banokuyenza nzima imeko yakho kwiintsuku ezizayo kwaye ke ubukho bakho abukho lula. Hayi ngelize, kufuneka sicinge ukuba kuninzi esinokuphulukana nako ukuphumelela. Oko kukuthi, ayizindululo zoncedo ukusuka kwinqanaba lokujonga inzuzo. Ukuba akunjalo, ngokuchaseneyo, banokwalatha iingozi ezithile ezinokuphetshwa.