Ukuthenga kunye nokuthengisa izabelo kwimarike yemasheya lolona khetho lukhethwayo kubatyali mali ukwenza ulondolozo lwabo lube nenzuzo. Kodwa ifikelele kwinqanaba apho kukho inkxalabo malunga nokuba kungenzeka ntoni kwezi marike zezimali. Ngaphandle kwento yokuba kwezi veki zidlulileyo kuye kwakho ukonyuka okukhulu kumaxabiso ezabelo. Ngokukodwa, kukhuseleko oludityaniswe kwicandelo lokugcina imali kunye nokunyakaza okujikelezayo. Kwaye oko kukhokelele kwisalathiso esikhethiweyo sezabelo, i-Ibex 35, ukuze iphinde ifumaneke kwakhona Amanqanaba angama-9.000.
Ngokwedatha yamva nje ebonelelwe yi-BME, imakethi yesitokhwe yaseSpain ithengise nge-28.019 yezigidi zeerandi nge-Agasti, I-14,2% ingaphantsi kwenyanga enye yonyaka odlulileyo kunye nama-31,5% ngaphantsi koJulayi. Inani lothethathethwano ngo-Agasti yayizizigidi ezi-3,1, ezimele ukonyuka kwe-5,8% xa kuthelekiswa no-Agasti 2018 kunye nokuhla kwe-8,4% xa kuthelekiswa nenyanga edlulileyo. Ezi ziidatha ezinokubonisa ukunqongophala komdla kwinxalenye yabatyali zimali abancinci nabaphakathi ukuze bavule izikhundla kolunye lweentengiso ezibaluleke kakhulu zezemali.
Ngayiphi na imeko, sele bebaninzi abasebenzisi abazibuza ukuba banokuluhambisa phi ugcino lwabo ngaphandle kokuya kwintengiso yesitokhwe. Ukoyika ukuba iimarike zezemali zamanye amazwe zinokuvelisa into ebalulekileyo yehla oko kunokubashiya bebambekile kwizikhundla zabo. Ewe ezinye iindlela ziphezulu kakhulu, kodwa ubuncinci zinika ithuba lokuba banokwenza isivumelwano nezinye iimveliso zezezimali. Ukubonisa ukuba kukho ubomi obungaphaya kwengxowa.
Abatyalomali abazikhuselayo: iiNgxowa-mali
Esinye sezona zindululo zibalaseleyo okwangoku kungabakho imali yotyalo-mali edibanisa ii-equity nezinye ii-asethi eziyimali, ezinje ngeziphumo zengeniso esisigxina. Ngale ndlela kunokwenzeka ukuba utyalo-mali luhlukane ngexesha lokungazinzi kwiimarike zesitokhwe kwihlabathi liphela njengesiphumo Ukudodobala kwezoqoqosho okunokwenzeka. Ngelixa kwelinye icala, inika ukhuseleko olukhulu ukuvula izikhundla kwingxowa mali. Ukuya kwinqanaba lokuba esi inokuba sesinye sezisombululo seyona profiles igcinayo okanye ekhuselayo kwicala labatyali mali abancinci nabaphakathi.
Kwelinye icala, kolu didi lweemali zotyalo-mali, imbuyekezo ayiphezulu kangako njengakwintsalela. Kodwa ubuncinci, kunokwenzeka ukunciphisa ilahleko xa ujongene nemeko entsonkothileyo kwiimarike ze-equity. Imalunga ne- indlela yokuzikhusela onokuyisebenzisa ngeli xesha ukulahla ukuwa okunokwenzeka kwimarike yemasheya. Ngoncedo lokuba ungashenxisa izikhundla ngexesha olibona lifaneleke kakhulu. Kulungile ukuya kwenye ingxowa-mali yotyalo-mali okanye kwenye imveliso yezemali eneempawu ezahlukeneyo.
I-ETF ngokungabonakali kancinci kwimarike yemasheya
I-ETFs okanye iimali ezithengiswa ngotshintshiselwano yenye yeendlela onokukhetha ukuzanelisa kwiminqweno yakho yotyalo-mali. Akumangalisi ukuba ngumxube phakathi kweemali kunye nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya. Kodwa nangayiphi na imeko, ibonisa iikhomishini ezikhuphisana ngakumbi kunakwimodeli zotyalo mali zangaphambili. Ngelixa kwelinye, ixesha lokuhlala isigxina alikho kumaxesha aphezulu njengemali yotyalo-mali. Ukuba akunjalo, ngokuchaseneyo, kuyacetyiswa kakhulu yexesha eliphakathi kweenyanga ezili-6 ne-12.
Ngale ndlela, ii-ETFs okanye iimali zothengiso-mali sesinye isixhobo sokubaleka, sinemali enkulu okanye encinci, ukusuka kumgangatho ophantsi kakhulu kwiimarike ze-equity. Nangona kule meko kubaluleke kakhulu ukwazi ubucukubhede bayo kwaye ke ngoko uyazi ukuba usebenza njani kule mveliso yemali. Kungenxa yokuba ukuba ayinjalo, unokuba ungonwabi ngaphezulu kwesinye ukujonga i-akhawunti yakho eseleyo. Oko kukuthi, kuya kufuneka ukhethe imali ekuthiwa yeyokurhweba ngemali ukuba sele ufumene amava kwimisebenzi eyenziweyo kule minyaka idlulileyo.
Yenza iphothifoliyo ekhuselayo
Le yenye yezinto onokukhetha kuzo okwangoku, nangona kule meko ngaphandle kokushiya iimarike zezabelo. Kule meko, iqhinga lotyalo-mali lisekwe ekukhetheni i ibhasikithi yezihloko ezahlukeneyo kuthengiswa esidlangalaleni. Endaweni yokwenza kwelinye kwaye kuthwala umngcipheko omkhulu ekusebenzeni. Nangona kunjalo, ukuvela kwale nkqubo ukwenza ukonga kunenzuzo kuxhomekeke ekubeni ukhuseleko kufuneka luvele kwelona candelo likhuselayo okanye elilondolozayo kwimarike yemasheya. Umzekelo, iinkampani zombane, ukutya kwaye ngokubanzi phantse lonke ukhuseleko olungahambelani.
Esinye seziphumo eziphambili onokufikelela kuzo kukuba awusoze uphulukane nemali eninzi kwezona meko zibi kwiimarike zezabelo. Kungenzeka nokuba kwixesha elingaphezulu okanye elingaphantsi kokuhlala unenzuzo kwimisebenzi yakho, emva kwayo yonke into ebandakanyekayo kwihlabathi elihlala linzima lemali. Ngelixa kwelinye icala, awungekhe ulibale ukuba ukusetyenziswa kwesi sicwangciso sotyalo-mali kulungile kakhulu kwi amaxesha okuqhubeka kuqoqosho. Phakathi kwezinye izizathu kuba unika ukhuseleko olukhulu kwimali nakwizikhundla zakho.
Zintathu iindlela onokukhetha kuzo, kodwa zonke zisemthethweni, ukuvela ngaphezulu kwexesha lokungazinzi okukhulu okunokuphuhla nanini na. Apho eyona nto ibaluleke kakhulu ayikokuba semngciphekweni kwaye endaweni yoko khangela ezinye iindlela ezikhuselekileyo. Kuba njengoko abatyali mali abancinci nabaphakathi bahlala besithi, kuhlala kukho amathuba eshishini, nkqu nakwezona meko zibi kwiimarike zemali. Kwaye kufuneka usifunde esi sifundo ukuze okwenzekileyo kwenye iminyaka kungenzeki kuwe, kodwa endaweni yoko kufuneka uthathe amava owafumene kwiminyaka emininzi. Eyona njongo iphambili yeziphumo zezona zibalaseleyo ukusukela ngoku ukuya kuthi ga, nakumaxesha amancinanana.