Kwezi seshoni zokugqibela zonyaka, abatyali zimali abancinci nabaphakathi banokuba neenjongo ezimbini kwezi zilandelayo. Kwelinye icala, gcina iinzuzo ezinkulu eziye zafunyanwa kulo nyaka kwaye uzame ukuqinisekisa ukuba ezi musa ukuba ngumphunga. Ngelixa kwelinye icala, yenza iziphumo kwimisebenzi yokuthengiswa kwestokhwe emva kweenyanga ezimbalwa ngokuqinisekileyo ezingakhange zibe luncedo kakhulu. Kuzo naziphi na iimeko, baneendlela ezininzi zotyalo-mali ezinokuba luncedo kakhulu ekujonganeni nale nxalenye yokugqibela yonyaka eza kuphela.
Zonke ezi ntlobo zamanyathelo kufuneka zithathwe ngelinye lawona maxesha anzima kwiimarike zokulingana. Kungenxa yokuba bajongene ne- imeko entsha yokuzihlaziya kuqoqosho lwamazwe aphesheya kwaye oko kuya kubandakanya utshintsho kwindlela obuyinikela kwimisebenzi yentengiso yesitokhwe kwiinyanga ezidlulileyo. Ukuya kwinqanaba lokuba ukuba kukho imfuneko, awuzukukhetha ngaphandle kokutshintsha ipotifoliyo yakho yotyalo-mali. Ukuyisondeza kwinyani yeemarike zezabelo kuba nayiphi na impazamo inokukhokelela kwisiphelo sokuba iiakhawunti zakho zebhanki zihlupheke kwimali eseleyo.
Enye into ekufuneka uyiqwalasele ukusukela ngoku kukuba icandelo lokugqibela lonyaka lifuna unyango olwahluke kakhulu xa kuthelekiswa nezinye iinyanga. Akumangalisi ukuba lelinye lawona maxesha onyuselo enyakeni kwaye kufuneka uzilungiselele iindlela zakho zotyalo-mali ngokubhekisele kolu tshintsho lubalulekileyo kwiimarike zemali. Ukuya kwinqanaba lokuba kufuneka zijolise ekufezekiseni iinzuzo ezinkulu. Kuba, eneneni, kuyakubakho ixesha lolungiso lokuba ibe yeyona nto ixhaphakileyo kwiindawo kwihlabathi liphela, njengakwikota yokuqala okanye yesibini kunyaka ngamnye. Ezi zizinto ekufuneka uzigcine engqondweni ngaphambi kokuba uthathe isikhundla kwimarike yemasheya.
Lixesha le rally yekrisimesi
Ukuba eli candelo lokugqibela lonyaka liphawulwa yinto, kungenxa yokuba irali eyaziwayo kunye nexesha ekudala lilindelwe leeholide zeKrisimesi iyenzeka. Apho isitokhwe sihlala khona xabiswa ngamandla amakhulu okanye kancinane kwaye loluphi ulonwabo oluninzi abalunika abantu abancinci kwiminyaka emininzi. Ngale ndlela, yintshukumo edla ngokuvela kwiintsuku zokugqibela zonyaka kwaye ihlala iqhubeka kude kube ziintsuku zokuqala zikaJanuwari. Akuqinisekanga ukuba yenzeka qho ngonyaka, nangona kule minyaka idlulileyo ibisoloko ikhona kwimarike yezabelo yaseSpain.
Ngelixa kwelinye icala, kufanele ukuba kuqatshelwe ukuba banokuba lithuba lokufumana izibonelelo zokugqibela zonyaka. Ngeepesenti ezimbalwa ezinokuhamba ukusuka kwi-3% ukuya ngaphezulu kwe-10% kwiintshukumo ezinobundlobongela kwiimarike zezemali. Apho amaxabiso abukhali ngawona asebenza ngokukuko ngezo ntsuku kwaye anokwahluka ngaphezulu kwe-3% ngokubhekisele kumaxabiso aseleyo. Ngayiphi na imeko, yenye yezinto ezinokuthi zithathelwe ingqalelo ngabatyali zimali abancinci nabaphakathi kwezi ntsuku zokugqibela zonyaka ngamnye wokurhweba.
Ukunciphisa izikhundla
Kwimeko apho unyaka ubumhle kakhulu kwimidla yabatyali mali abancinci nabaphakathi, kuhlala kukho ukhetho lokunciphisa izikhundla kancinci kancinci. Oko kukuthi, ukuba uzuza kwimali eyinkunzi unako thengisa inxalenye yezabelo zakho ukonwabela iinzuzo ezivelisiweyo ukuza kuthi ga ngoku. Ngelixa kwelinye icala, uya kusigcina esinye isiqingatha ukuze ukwazi ukwandisa izibonelelo, kwaye ukuba izinto azizukukhula ngendlela othanda ngayo, uya kukhuselwa kukuthengisa okwenziwe ngaphambili. Sisicwangciso-qhinga sotyalo-mali esenziwe ukuba sisebenze rhoqo rhoqo kule minyaka idlulileyo.
Lulawulo lwemali etyalwe kwimarike yemasheya exubekileyo. Kuyinyani, ngelixa kwelinye icala ugcina ezinye zezikhundla zakho, kwelinye ugqibe izikhundla. Ungayiphuhlisa lo gama nje ingxelo yakho yengeniso ukuza kuthi ga ngoku icacile. Ungaze kwizikhundla apho uphulukana khona nemali kwimisebenzi eqhutywa kwiimarike zezabelo. Akumangalisi ukuba ifomula yokunciphisa umngcipheko ngendlela yoqobo nangaphezulu kwayo yonke indlela yokuyila, ejolise ekugcineni imali kwiintsuku zokugqibela zonyaka.
Thenga ngakumbi nangakumbi
Enye yeemodeli zotyalo-mali onokuzisebenzisa kwiintsuku zokugqibela zonyaka kukuphucula ukuthenga kwakho Thatha ithuba lokunyusa inokwenzeka kwiimarike zezemali. Nangona kunjalo, esi sicwangciso sotyalo-mali sithatha umngcipheko omkhulu kunenye xa ezi ntshukumo ziphezulu zingenzeki ekugqibeleni. Ngale ndlela, kuluncedo kakhulu ukuba esi sicwangciso sinokuba luncedo kakhulu xa ukubuyiswa kwiimarike zezabelo kuyinyani. Phakathi kwezinye izizathu, kuba amandla okuhlaziya aya kuba phezulu kakhulu kunakwimeko ezinokuvela ukusukela ngoku.
Njengoko sele ubonile, ezi ntlobo zemisebenzi zinokusebenza, ngakumbi kumaxesha ukuhlala ixesha elide kunezimfutshane. Ke ngoko, bajolise kubatyali zimali abancinci nabaphakathi ngeprofayile yokuzikhusela. Apho ukhuseleko lwekapitali lukhona ngaphezulu kwezinye izinto ezinoburharha ezivela kulo naluphi na uhlobo lwendlela yotyalo-mali. Kuzo zonke iimeko, iya kuba lolunye ukhetho ekufuneka ujongane nalo kwiintsuku zokugqibela zalo nyaka. Nangona kule meko, ngemisebenzi ethile evelisa umngcipheko ngakumbi kunaleyo ishiyekileyo kwaye isuka kolu hlobo lokuthengwa kwesabelo esiphakamisayo.
Vumela inzuzo iqhubeke
Elinye iqhinga esinokuthi silisebenzise kwezi ntsuku kukushiya izikhundla zokuphumelela ngelixa kungekho miqondiso icacileyo yokuthengisa. Ngale ndlela, kubaluleke kakhulu ukuba xa ikwixabiso lokunyusa, esona sicwangciso silungileyo sokufumana inzuzo enkulu kubhejo lweemarike zesitokhwe kukuvumela ukuba iqhubeke ngexabiso layo kwaye ngaloo ndlela ifumane eyona nzuzo inkulu ide ibe yinkampani edwelisiweyo. Iimpawu zokuqala zokudinwa kwindlela yayo. Kule ntsebenzo kulula ukungena kuyo, kufuneka kuphela ukuba uqaphele ukuba ixabiso ekuthethwa ngalo likwinkqubo yokwanda, kodwa kubunzima obukhulu ukushiya izikhundla kwaye usebenzise ngokupheleleyo inkqubo yokunyuka, kuba ngokwezibalo kufana akunakwenzeka ukuyigubungela yonke inkqubo apho umqondiso onokukumema ukuba uthengise ukhuseleko uya kuba xa ubhalwe kwiindawo ezikufutshane nokumelana.
Ngelixa kwelinye icala, umqondiso wentengiso kunye nomthamo owomeleleyo weekhontrakthi inokuba ngumzuzu wokushiya utyalo-mali kunye nokuqokelela inzuzo eqokelelweyo. Kufuneka kuqatshelwe ukuba zonke iinkqubo ze-bullish, ezinjengeebhere, zinomhla wokuphelelwa lixesha, ngaphezulu okanye kancinci ixesha elide, eliyeyona ngxaki iphambili kubatyali mali abancinci nabaphakathi, besazi indlela yokufumana umzuzu wotshintsho kwimo. Ngayiphi na imeko, le nkqubo iluncedo kakhulu ekuphuculeni izikhundla kwezi ntsuku kwaye ithathe ithuba kwirali yeKrisimesi eyenzeka kwezi ntsuku.
Enye yeendlela onokuthi ubenazo ukuba izinto azikho ntle njengoko ulindele ngalo mzuzu kukusebenzisa ithuba ubuyela ukwenza imisebenzi kwimarike yemasheya. Ukusuka kule ndlela ibaluleke kakhulu, ukubuyela kwakhona ziintshukumo ezibonakalayo ebhegini kwaye zenzeka rhoqo. Ngesi sizathu, kuya kufuneka uthathe ithuba labo ngaphezulu kwayo yonke into ukuze uhlengahlengise izikhundla kwezona meko zibi kwiimarike zezabelo.
Urhwebo kunye nokumelana
Ukunyuka kwamva nje kwiinkampani zaseSpain ezidweliswe kwimarike yaseSpain kubangele uninzi lwazo ukuba lusondele kakhulu kumanqanaba oxhathiso. Ngenxa yezi zenzo, eyona nto ibubulumko ukuyenza kukulinda ubone ukuba bayazaphula na ukuze bakwazi ukuthatha izikhundla kwezinye zezi stock kwisithuba seenyanga ezimbalwa ezizayo. Ngaphandle koko, akusayi kubakho sisombululo ngaphandle kwe- lindela ukusikwa okungaphaya kwixabiso lakho oko kungabuyisa amaxabiso abo kwinqanaba lokuxhasa, kwaye ukuba bathe abawaphula, bayakuba ngumqondiso wokuthenga izabelo zokwenza iphothifoliyo yexabiso eliphakathi kwaye ngakumbi ixesha elide.
Kuzo zombini iimeko, ungaya kwiiseshoni zokurhweba apho ukungazinzanga yeyona nto iphambili kumaxabiso abo, ngokwahluka kakhulu kumaxabiso abo. Njengoko bekusenzeka kwiseshoni zokugqibela zeemarike zezabelo, ezinokuthi zikhokelele ekubeni kuthathelwe ingqalelo kwimisebenzi kwangolo suku lunye (ngaphakathi) ukwenza ulondolozo lube nenzuzo ngokukuko. Ngayiphi na imeko, esi sicwangciso-qhinga sijolise kuphela kubatyali mali abanamava ngakumbi ukuze bakwazi ukufikelela kwiimali ezinkulu kwiiyure nje ezimbalwa. Ngaphandle kokulinda elinye iklasi lokuvuthwa ixesha elide.