Ngokufika konyaka omtsha, okulindelweyo kuyahlaziywa ukuze unyaka omtsha ube nesiqhamo ngakumbi ngokwendlela obusebenzise ngayo ulondolozo lwakho. Ngokuqinisekileyo ufuna ukuphucula umda weminyaka edlulileyo, nkqu nokufumana umvuzo owongezelelekileyo ngengxowa ezalisa umvuzo wakho. Iya kuba ngumsebenzi onzima ngakumbi ukufeza njenge Iimarike zezabelo babonisa ukupheliswa kwinqanaba labo locaphulo elikhuthaza abahlalutyi bezemali. Kunyaka ophelileyo, i-Ibex 35 sele ibaphoxile abaninzi abagcina imali, ngokungagqithi kumqobo wamanqaku ayi-10.000, ukubalwa kokuhla kancinci ngeli xesha.
Amathemba okufezekisa iinjongo zakho kwiimarike ze-equity ngokuqinisekileyo aya kuguquka ngokwanelisayo ngokwanelisayo kwizalathiso zawo eziphambili. Ngale ndlela, Uqikelelo lweengcali lunika inqanaba lokuphononongwa okuphakathi kwe-5% okanye i-10% kwiimarike zesitokhwe zaseYurophu. Kwaye awunyanzelekanga ukuba uhoye kakhulu kwezi zibikezelo, eziya kuthi ekugqibeleni zingaze zilungelelane nenyani, nto leyo ephawulwa ziimarike. Ewe kunjalo, nabuphi na ubunzima bunokuwawisa amathemba akho kulo nyaka.
Nangona kunjalo, inye kuphela into ecacileyo ukuba ufuna ukwandisa ukonga kwakho kule khosi intsha yentengiso, kwaye leyo ukuba ufuna ukufumana imbuyekezo engcono, kufuneka ubeke emngciphekweni ngakumbi ekusebenzeni kwakho. Kwaye akukho enye indlela yokuba iminqweno yakho izalisekiswe ngaphandle kokuya kwii-equities. Nangona ngokuqinisekileyo iya kufuna iinzame ezinkulu kunakwiminyaka edlulileyo. Njalo phantsi kwesindululo sokwenza ukuthenga ngeendlela ezaneleyo zokukhusela ukuzibandakanya kwiimeko ezingafunekiyo kwiimarike zezemali.
Ngokuqinisekileyo, uya kujongana nonyaka omtsha ngemibono ehlaziyiweyo, ngaphandle kwamathandabuzo, Nasiphi na isiganeko sinokuphazamisa ulindelo lwakho lokuphinda uvuselele iiasethi zakho komnye unyaka. Akumangalisi ukuba iminyaka yakutshanje ibe nentle kakhulu kolu hlobo lotyalo-mali, ngokuxabiseka okukhulu kumaxabiso ezokhuseleko aphambili akhoyo kwiimarike zentengiso. Kwiimeko ezininzi ngamanani amabini. Kwaye ngaphezulu kokubonelelwa yimveliso yengeniso esisigxina, engafane idlule kwi-2%.
Uza kuba njani lo nyaka kutyalo-mali lwakho?
Isenokungakhuli njengoko ubulindele, kwaye nasiphi na isiganeko sinokonakalisa uqikelelo olucwangcisileyo. Ukusuka ekubonakaleni komlo omtsha (okanye ongacacanga) kwezomkhosi, kwinto yokuba uqoqosho oluphambili lwehlabathi laphinda langena kwixesha lokwehla kwamandla emali. Iziganeko zoqoqosho kunzima kakhulu ukuqikelela, kwaye nakuphi na ukwahluka kuzo kunokudlala amaqhinga ngo-2016. Kukulungele ukuba ubathathe ukuze bangaphoxeki.
Ukuze ucace gca ukuba inokukukhathaza ngakumbi kutyalo-mali lwakho, kukho uthotho lweziganeko, hayi ezoqoqosho kuphela, kodwa nezentlalo kunye nezopolitiko ezinokukwenzakalisa kwiinyanga ezizayo. Zininzi ziya kuba nzima ukuzalisekisa, kodwa ezinye zingavela nangaliphi na ixesha, kanye xa ungalindelanga.. Le yingxowa. Kwaye kukhethwa ukuba ubathathele ingqalelo ekucwangciseni utyalomali lwakho ngeli xesha, ngaphambi kokuba kuboniswe ukusukela ngoku. Zininzi i-euro ezisemngciphekweni.
Isiganeko sokuqala: ingxaki yaseTshayina inokuthatha umthwalo wayo
Kwakukho isilumkiso esomeleleyo kwihlobo ephelileyo ukuba ukwehla kwezoqoqosho lwaseTshayina kunokuchaphazela amazwe aseYurophu, kunye neMelika. Ayilolize, ukuthunyelwa kwayo kunye nokungenisa elizweni kuxhomekeke kwindalo enkulu yaseAsia. Kwaye yonke idatha ye-macroeconomic eyaziwayo ukuza kuthi ga ngoku ichaphazele, kuloo nto kwi Endaweni yokufika kancinci, okwenzekayo yingxaki epheleleyo, ezakuqala zichaphazele iimarike ezisakhulayo.
Ukuba oku kulindelweyo kuqinisekisiwe, kunokwenzeka ukuba iimarike zentengiso ziya kuyithatha kwaye namava okwehla okuthe ngqo kumaxabiso abo. Kwaye oko kunokuba nobukhulu obukhulu kuxhomekeke kwiziphumo zedatha ephambili yezoqoqosho kwiiakhawunti zabo zesizwe. Iya kuba yimeko engathandekiyo kwimidla yakho, ekufuneka uyithathele ingqalelo xa ucwangcisa utyalo-mali lwakho. Ngokuqinisekileyo iya kukhokelela kwilahleko kumaziko aphambili ezemali kwihlabathi liphela kwiinyanga ezizayo, kwanobundlobongela obungafumanekiyo kule minyaka idlulileyo.
Isiganeko sesibini: ukubuyela kwimeko yesiqhelo kwihlabathi
Ukuba into inokuba nefuthe elibi kwimarike yemasheya kwiinyanga ezizayo, ayinakuvela kwenye into ngaphandle kokudodobala kwezoqoqosho kweinjini eziphambili zokukhula kwehlabathi. Sele zikhona iimpawu zokuba le meko inokuvela kwakhona, kwaye abanye babahlalutyi abadumileyo baqikelela ukuba ukusikwa kwangoku kwiimarike zesitokhwe sisiphumo sale meko. Ukuqinisekisa i-axiom yeklasikhi emisela ukuba iimarike zilindele iimeko zoqoqosho.
Ukutshintshela le meko yokuqikelela kwii-equities, kungathetha ukuba uninzi lwee-indices zalo ezimele ziya kuwalungisa amanqanaba ezilinganiso zawo, nokuba ubase kumanqanaba angaziwayo kule minyaka mihlanu idlulileyo. Ukungena ezingcanjini, utyekelo oluveliswe yingxaki ka-2008. Kwaye xa kunjalo, abatyali mali kwizikhundla zabo bayakuqaphela ukwehla okukhulu kumaxabiso ezabelo zabo, ngakumbi kumacandelo afana nezezimali, ulwakhiwo kunye nalawo ahambelana nezinto ezingafunekiyo.
Isiganeko sesithathu: iingxaki nge-euro
Imali enye yaseYurophu ngokungathandabuzekiyo iya kujongwa ngeliso elibukhali kulo nyaka ngenxa yokunxibelelana okunamandla neziganeko ezinokuthi zenzeke. Kwiingxaki ezinokuvela kwezemali eGrisi, ziya kongezwa-ezintsha-ezinje uzinzo kwezopolitiko olunokwenzeka kwamanye amahlakani asekuhlaleni: EJamani, eFrance, Great Britain naseSpain, ubukhulu becala.
Ngamanye amaxesha zibangelwa kukudibana okuza kwenzeka kulo nyaka kuninzi lwala mazwe. Ilungele unyulo lowiso-mthetho (eSpain naseFrance), okanye iinkqubo zokungena kwi-European Union (eNgilane). Ngaphandle kokulibala, ewe, ukungazinzi kurhulumente waseJamani okunokuthi kuchaphazele iimarike, kwaye ngendlela engalunganga.
Isiganeko sesine: Iziphumo zeshishini ezingaphantsi kokulindelweyo
Akukho bambalwa abona bantu banegunya abalumkisa oko Iziphumo zeshishini kulo nyaka mtsha aziyi kuba njengoko bekulindelwe, kwaye kusenokubakho uhlengahlengiso oluthile kuzo. Ngenxa yokumisa emsebenzini kwezi nkampani. Nokuba neziphumo zingezantsi kwezo zilindelwe ngabaphembeleli abaziintloko bezemali. Iya kuba ngumqondiso oqinisekileyo wokubonisa ukuba iimarike zentengiso azizukuqhubeka kwindlela efanayo naleyo yeminyaka edlulileyo.
Nangona konke, iya kuba lixesha lokuthatha izikhundla kwezo stock zifezekisa ulindelo lwakho lokukhula. Kwaye banokuphawula indlela yokuba abatyali mali abancinci nabaphakathi bakhethe iphothifoliyo yabo yotyalo-mali. Ayothusi into yokuba sesinye sezitshixo sokwenza umsebenzi kwikamva ngeli xesha lokungaqiniseki okungaka.
Isiganeko sesihlanu: ukunyuka okunokwenzeka kwixabiso leoyile ekrwada
Nangona indaleko kwixabiso leoyile ifumene ukuhla okungaphezulu kokubalaseleyo kunyaka ophelileyo, ukusuka kwi-80 ukuya kwi-35 yeedola umphanda, oko akuthethi ukuba le meko iya kuqhubeka kwiinyanga ezizayo. Ngaphezulu, Ukunyuka kwayo kunokwandiswa ngenxa yeembambano eziphuhlisayo kwimeko yabavelisi bayo abaphambili. Kwaye oko kungakhokelela kumaxabiso abo ukuba banyuke kwizikhundla, ubuncinci kumqobo we-60 okanye i-70 yeedola.
Ngapha koko, ikrwada ewayo ngoku ayamkelwa kakuhle ziimarike. Ingakumbi kuba banoloyiko lokuba baya kukhokelela kumngcipheko wokunyuka kwamaxabiso kuqoqosho oluninzi lwehlabathi, ngakumbi iYurophu. Kwaye kuyo nayiphi na imeko, ngengozi yokuba ii-indices zesitokhwe zibonisa le meko iyingozi kuqoqosho ngokubanzi.
Isigameko sesithandathu: izehlo zokunyuka kwenqanaba eMelika
Nangona incinci, yingxaki enokuthi inyuse imeko yentengiso yeestokhwe, ukuba i-Federal Reserve yase-United States inyathelisa ithoni enoburharha ekunyuseni inzala esele iqale ukuphela kuka-2015 ngokunyuka kwekota yenqaku. Kwaye emva kokuhlala iminyaka emininzi ngexabiso lemali enexabiso eliphantsi, ngokwamanqanaba embali iminyaka emininzi.
Nakuphi na ukuphambuka kuqikelelo olusekiweyo kunokuseta ikhosi yeemarike zokulingana ixesha elide kakhulu.. Ukusuka kule meko yokudibana, ukumiselwa kwalo nyaka kubalamli bezemali kugxile kwiimarike zesitokhwe zaseYurophu, apho banikezela khona amandla amakhulu okuhlaziya, ngaphezulu kweemarike kwelinye icala leAtlantic.
Iziganeko ezisixhenxe: nikela ingqalelo kwimeko ethile yaseSpain
Okokugqibela, mayingalityalwa into yokuba eli lizwe elihamba ngantoni kwinkqubo yalo yokudibanisa ukwenza urhulumente, ngenxa yolonyulo lokugqibela lowiso mthetho olwalubanjwe ngoDisemba ophelileyo. Kwenzeka ntoni ukuze enze urhulumente kuya kuxhomekeka-ubukhulu becala kukuvela kweemarike zezabelo. Kule meko, ibhekisa kwibhentshi lesizwe.
Nokuba kungenzeka ukuba inkqubo yonyulo iyakuphindwa kulo nyaka, kwaye ayizukuchaphazela abatyali mali. Nokuba yeyiphi na indlela, de kube lo mbono wezopolitiko udibane, Unayo enye indlela yokuya kwezinye iimarike zestokhwe ezingaphikisaniyo, ubuncinci kwiinyanga zokuqala zalo nyaka. Ngokuqinisekileyo kude kufike isisombululo esichazayo ukuba ngubani oza kulawula eSpain kule minyaka mine izayo. Okanye mhlawumbi kuncinci, ukuba kukho unyulo jikelele lwakwangoko, nokuba kukwizinyanga ezimbalwa ezizayo.