Iimveliso zotyalo-mali kunye nezicwangciso

iimveliso

Enye yeemveliso ezithengiswa linani elibalulekileyo lezokhuseleko kunye neenkampani ezitshintshiselana ngesitokhwe ziiakhawunti zeengxowa-mali ezenzelwe abatyali mali abatyala imali ikakhulu kwingxowa mali kwaye abafuni. iikowuti zexesha langempela kwimarike yemasheya. Ikuvumela ukuba utyale imali kolu hlobo lwemveliso ngohlobo olukhethiweyo lwabaphathi abadumileyo bamanye amazwe, ukongeza ekusebenzeni kwimarike yemasheya yaseSpain nakwezona ndawo ziphambili zokutshintshiselana.

Phakathi kwezibonelelo eziphambili zokuqesha enye yezi akhawunti kukuba nokufumana iingxelo zanyanga zonke kulawulo lweemali zakho ezilungiselelwe ngumphathi ngokwakhe, inkqubo yokucebisa simahla, ukufikelela kuhlalutyo olusisiseko kunye nokugcinwa simahla kwexesha elichaziweyo kubathengi abatsha. Yenye yeemodeli eziye zavela ngamandla amakhulu kwiinyanga nje ezidlulileyo ukwenza ukuba iiasethi zenani elonyukayo labasebenzisi beebhanki zibe nenzuzo.

Ingakumbi abatyali mali abenza imisebenzi emininzi ngonyaka, zombini ezijolise kufutshane kunye kwixesha eliphakathi okanye elide, inokuthatha ithuba ngexabiso lentengiso yemasheya eqala ukuthengiswa ngakumbi nangakumbi ngamaziko emali kwaye, avumela ukonga okubalulekileyo ngokweekhomishini zomsebenzi owenziweyo. Ireyithi yayo iphakathi kwe-6 kunye ne-10 euro ngenyanga, kwaye kumntu owenza imisebenzi emine ngenyanga, umzekelo, ukonga kunokuthetha malunga ne-30 ye-euro ngenyanga nge-avareji, ethi incede ekuphuculeni utyalo-mali.

Iimveliso zorhwebo kwimarike yemasheya

La ixabiso elimthebelele Kwimarike yemasheya, ivumela umsebenzisi ukuba enze imisebenzi yokuthenga nokuthengisa njengoko befuna, njengoko kunjalo ngomnxeba okanye amaxabiso e-Intanethi. Nangona ukusetyenziswa kwayo kungasasazekanga kakhulu kwicandelo lezemali, ikakhulu ligubungela iibhanki kunye neebhanki zokonga ezisebenza nge-Intanethi kunye okanye abarhwebi, kuzwelonke nakwamanye amazwe, zezona zibonelela ngeemeko ezilungileyo.

Kwiindlela eziya phezulu, umthetho oqhelekileyo phakathi kwabatyali mali abanamava kukulinda ukusikwa kwamaxabiso ezinkampani ukungena kwimarike. ngamaxabiso aphantsi kwaye, enokuthi ikhokelele kuhambo olukhulu lokuya phezulu kwixabiso kwaye, ke ngoko, amathuba amakhulu okuhlaziya. Oku kusikeka kwenzeka xa kukho "ukudinwa" kwindawo yokuthenga kwaye ukuthengisa kuqala ukuntywila, oko kukuthi, xa imarike ithengwe kakhulu kwaye ifuna uhlengahlengiso kumaxabiso ukuze iqhubeke nokunyuka kwayo.

Thatha ithuba lokusikwa

ibuyisela

Ezi "break" kwixabiso lakho locaphulo, apho ukuthengisa kuqala ukuvela, zenzeka amatyeli aliqela ngexesha lenkqubo yokwenyusa, nkqu nabahlalutyi bemarike yemasheya bayichaza njenge "iintshukumo zentengiso esempilweni ngokupheleleyo”Esebenzela ii-indices, amacandelo okanye izitokhwe ukufumana amandla ngakumbi kwiiseshoni ezilandelayo zorhwebo. Zifanele ngokukodwa abo batyalomali bajolise kwixesha elifutshane kwaye bafuna ukufumana yonke "ijusi" yabo kwiintshukumo ezinyukayo ezifunyanwa zii-equity. Ngokuchasene noko, abanampumelelo incinci kwabo bakhetha utyalo-mali lwabo kwixesha eliphakathi nelide kuba iziphumo zabo zingazukusebenza.

Uninzi lwabalamli bezezimali, kude nokubheja kumaxabiso ashiyeke kakhulu kunyaka ophelileyo, ngokucacileyo babheje ngengqondo kwaye bakhethe ukucebisa abathengi babo ukuba hlala uhlawula amatyala ngesiqingatha sokuqala sonyaka Ukujonga ukuba ubulungisa buvela njani kwizinto ezininzi ezingaziwayo ezibangelwa yimeko yezoqoqosho yangoku. Yiyo loo nto bengahambelani nokuthengwa kwesiqingatha sokuqala sonyaka, kwaye, ewe, nje ukuba olu phicotho lweli xesha lucazululiwe, kungathathwa izikhundla kula macandelo okanye kwiinkampani eziphendula ngcono kumzuzu wangoku, nangona belumkisa ukuba esona sitshixo sokwenza umsebenzi olungileyo kukukhetha xa useta ipotifoliyo yezokhuseleko.

Ibaleka amaxabiso entelekelelo

Abahlalutyi bemarike yemasheya bacinga ukuba kunyanzelekile ukuba abaleke amaxabiso aqikelelweyo angenakulindelwa kukukhula okanye kwiinkampani eziza kuphuma kubunzima bezoqoqosho obukhoyo ngoku. Ngamafutshane, ubulumko kunye nokulinda njengoko ii-equities ziya kuziphatha kwezi nyanga, ukuzama ukufumana ithuba lokuthenga elinomdla ngokwenene kwimidla yabatyali mali abancinci nabaphakathi.

Ezinye zezi ndlela zokwenza izinto kwaye, kwiimeko ezininzi azikho ngqiqweni (kodwa zisebenza ngendlela efanayo) zezo zikhuthaza ukuthenga nokuthengisa ngokuxhomekeke kumhla, inyanga okanye ixesha lonyaka kwaye, ezi zilandelayo:

Umhla wenyanga: amaxabiso ezihloko ahlala enyuka kwiintsuku zokuqala zenyanga nganye. Ke, ukuba ithengiwe kwiveki ephelileyo kwinyanga ephelileyo kwaye ithengiswe kwiveki yokuqala yenyanga ezayo, umtyali-mali unamathuba amaninzi okwenza inzuzo kutyalo-mali lwakhe ngexesha elincinci kwaye, ngendlela elula ukuziqhelanisa.

Ngeentsuku zeveki: NgoLwesibini, uLwesithathu nangooLwezine ngokubanzi bazinzile, ngaphandle kokwehla okukhulu, ngelixa iiMvulo zinobungqina obucacileyo be-bearish kunye nooLwezihlanu. Kowokuqala kuba ulinde ukuba ivule njani Idonga isitalato kwaye, usuku lokugqibela lweseshoni yorhwebo, kuba kuhlala kukho iintshukumo kwicala le okanye abarhwebi Phambi kwempelaveki.

Ja nuwari: Kubahlalutyi abaninzi, inyanga yokuqala yonyaka ibonisa okuza kwenzeka unyaka wonke. Ngapha koko, bathathela ingqalelo ukuba imeko yentengiso kwiintsuku ezintlanu zokuqala zale nyanga inokugqitywa de kuphele unyaka. Ngezo ntsuku, imarike yemasheya ihlala ikhula ngakumbi kune-bearish, kuba abaphathi bengxowa-mali, ngabo abenza ukuba iimarike zihambe, batyale imali eninzi abanayo, kuba, njengokuba kunjalo ekuqaleni konyaka , ukuba benze impazamo kunika ixesha lokuyilungisa.

Fumana iinkqubo ezinokuthenjwa

dinero

Into yokuqala ekufuneka ayikhumbule umtyali-mali kukuba le nkqubo ayithembekanga kwaye iyacetyiswa ukuba ixhaswe ukwenza utyalomali lwesitokhwe ngenxa Ubungqongqo obuncinci abathathi-nxaxheba banabo kolu luntu lolwazi. Kutheni, ukuba ngenene babenjalo, yintoni amandla eSamariya okuba abe nakho ukunika ulwazi olunelungelo kubo bonke abathathi-nxaxheba? Kodwa eyona nto imbi kakhulu bubungozi obunokuthi abanye baba bantu bazise kule forum, kwaye, beqhutywa kukuthanda kwabo okuhle okanye ukungazi, banokuchaphazeleka ekuthatheni izigqibo.

Ke ngoko, isilumkiso esikhulu kunye nesilumkiso xa kuvavanywa esi sixhobo sifumanekayo kumnatha, kuba kunokuba mnandi kakhulu ukutyelela kwaye uthathe inxaxheba kuzo, kodwa xa kufikwa kwimali yethu, yeyiphi into ekufuneka yenziwe ngabatyali mali abancinci ukufikelela ezandleni. eyiyo iingcali stock exchange oko kuyakuyalela into ekufanele yenziwe okanye engafanele ukwenziwa ngalo lonke ixesha. Kukho namanye amajelo anenjongo anokunceda umtyali-mali ukuba ayenze le nkqubo kwaye ayikho enye ngaphandle kwezo zibonelelwa yimithombo yeendaba ekhethekileyo, ebandakanya uhlalutyo lobuchwephesha nolusisiseko, iingcebiso zezona zibalulekileyo okanye abarhwebi, ezesizwe nezamazwe aphesheya, iindaba eziqinisekisiweyo kunye neziganeko eziphambili ezichaphazela ukhuseleko oludweliswe kwimarike yemasheya.

Iingcebiso kwimarike yemasheya

umcebisi

Iinkonzo zentengiso yesitokhwe ezifumanekayo kumaziko emali zikwanazo iinkcukacha ze Umcebisi wotyalo mali ezenza ukuba iinkonzo zokucebisa ezenzelwe umntu zifumaneke kubaxumi bazo ethi inikwe enye indlela yokutyala imali ngokweemfuno zomthengi ngamnye kunye neprofayili yomngcipheko njengomtyali mali.

Kwelinye icala, ukuba into oyifunayo kukudlulisa ulawulo lotyalo-mali, amanye amaziko aneemvumelwano zolawulo, iipotifoliyo ezithunyelweyo zotyalo-mali, izabelo okanye izicwangciso zepenshini / i-EPSV, ehlengahlengiswe kwiprofayile yomthengi ngamnye kwaye, apho imarike yemasheya iingcali zilawula ngokubonakalayo iphothifoliyo ejonga ngalo lonke ixesha elona nani lilungileyo lokubuya / lomngcipheko. Okokugqibela, enye inkonzo abanokuyonwabela abathengi kwiibhanki zabo okanye kwibhanki yokonga kukuzihlolisisa, ukuzihlola ngokwabo kunye neenkcukacha ngeemveliso zotyalo-mali esele bezenzile.

Xa kuziwa ekulinganiseni iingeniso ezinokubakho zentengiselwano nganye yesitokhwe, akufuneki kuphela ukuba sijonge umahluko phakathi kwexabiso lokuthenga kunye nexabiso lokuthengisa, kodwa kufuneka songeze iirhafu zekhomishini zentengiselwano nganye yesitokhwe, kunye ugcino kwaye, ewe, isixa esiya kwi-Ofisi kaNondyebo, nge-18%. Ukudibanisa zonke — ezimele phakathi kwe-0,50% ne-1,50% yemali etyalomali- kuyakwazeka ukufumana ingeniso yokwenene yotyalo-mali, ethi kwiimeko apho inzuzo yeemali ingabalulekanga, isenokungakwazi nokunciphisa iziphumo. irhafu. Kwiimeko zokuya phezulu, eyona nto isengqiqweni ukuyenza kukubamba utyalo-mali de amaxabiso angcono afezekiswe kwikoteyishini yayo okanye kude kuvele imiqondiso ebonisa ukuphela kwale ntshukumo.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

Yiba ngowokuqala ukuphawula

Shiya uluvo lwakho

Idilesi yakho ye email aziyi kupapashwa. ezidingekayo ziphawulwe *

*

*

  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.