Indlela yokutyala imali kwimarike yemasheya ngexesha lenkqubo ye-bearish? Izitshixo zakho

Lo nyaka mtsha khange uqalise ngeyona ndlela ifanelekileyo ukuba utyale imali yakho kwi ngeniso ekhoyo. Ngokuqinisekileyo ubungalindelanga, kodwa inyani kukuba izikhundla zakho ezivulekileyo ziya kuba yilahleko emva kokuphela kweeveki zokuqala zika-2016. Isalathiso esikhethiweyo saseSpain sehla nge-10% ngeli xesha, enexabiso elingaxatyiswanga ngokucacileyo. Abanye babo nkqu nakwiimbali ezisezantsi.

Ngenxa yomzekelo oboniswe ziimarike zezabelo, kuyinto eqhelekileyo ukuba utyhafile luzinze kwindima yakho njengomtyali mali omncinci. Ngokukodwa ukuba uthathela ingqalelo ukuba uJanuwari yinyanga enesidima, kwaye ihlala ibonisa ukuphononongwa okubalulekileyo kuzo zonke iimarike zentengiso zamanye amazwe, njengoko kwenzekile kule minyaka idlulileyo. Kulo nyaka phantse zonke ii-indices zesitokhwe zibomvu, kwaye kumangaliswa ngabahlalutyi abaninzi bezezimali.

Kodwa yintoni eyenzekileyo ukuze utyalomali lukwimeko yelahleko ngokubanzi? Ewe, izinto ezininzi azibangelwa sisizathu esinye. Nokuba ku eyona iphambili ivela ekunciphiseni koqoqosho lwaseTshayina, kwaye oko kubunzima kwezinye iindawo. Nangona kunjalo, kukho ezinye izinto ezikwanceda ukuthengisa iimarike kwihlabathi liphela ziye zathatha eli thuba lingenathemba.

Ingakumbi eSpain, apho ukungazinzi kwezopolitiko kusenza ilahleko imbi ngokubhekisele kwezinye iimarike zesitokhwe. Khawukhumbule oko Iibhanki zaseSpain zilahlekelwe zii-20.000 yezigidi zeerandi kwezi veki zidlulileyo.

Amaqhinga okurhweba kwimarike yemasheya

Abanye abahlalutyi bezemali bebesele belumkisa ukuba le khosi intsha ayinakuba mnandi njengangaphambili. Kodwa ngokuchaseneyo, yayiza kuzisa ukungazinzi okuninzi, kunye nokungaqiniseki okona kulungileyo. Akumangalisi ukuba, kuyacaca nangoku ukuba amasheya sele enamaxabiso kuqoqosho olutsha kumazwe aphambili.

Ujongene nale meko iboniswe ziimarike zesitokhwe, ngokuqinisekileyo uyazibuza ukuba ungayenza ntoni: ukufaka ii-equities usebenzisa amaxabiso esitokhwe asezantsi, uthengise ukuba sele uthathe izikhundla, okanye ulinde nje ukubona ukuba ziguquka njani na ii-indices zesitokhwe.

Kuxhomekeka kwizikhundla zakho, Kuya kufuneka ukhethe elinye okanye elinye icebo eliza kukunceda kwiinyanga ezizayo, kwaye ngaphezu kwako konke oko kwenzelwe ukukhusela ulondolozo lwakho ngokuchasene nokungazinzi okuvezwe ziimarike zezabelo ngexesha lemivalo yokuqala yonyaka omtsha. Kwaye unokujolisa kwigama elinye kuphela, isilumkiso. Nguwo omele ukukhokela isenzo sakho ukusukela ngoku, kodwa ufuna ukuthatha isimanga esibi ukusukela ngoku ukuya phambili.

Ngezikhundla ezivulekileyo kwiimarike

Ukuba sele uthathe izikhundla kwimarike yemasheya, kunjalo imeko yakho yangoku ayizukunceda nganto kwimidla yakho, kwaye yintoni embi, unezisombululo ezimbalwa onokubhenela kuzo. Eyona nto inengqiqo kukulinda ukuba iimarike ziphinde zibuye (okanye ubuncinci), kwaye unokwenza inzuzo enkulu kulondolozo lwakho kunye nezinto ozithengileyo. Nangona ukungaqiniseki okuboniswe zii-indices kungakusinda ekuthatheni isigqibo.

Enye indlela onokukhetha ngayo kukuthengisa izabelo zakho, kunye nokuhlawula ilahleko, wenze ukuthenga xa izabelo zifikelela kumaxabiso asezantsi (ukuba le meko iyenzeka). Nangeyiphi ndlela, akufuneki usenze isigqibo sishushuEndaweni yoko, kufuneka ithathelwe ingqalelo ngononophelo njengesiphumo sohlalutyo lweenjongo zeemarike zezabelo. Kwaye nokuchaza ngokucacileyo iinjongo zakho, kuya kufuneka uyazi into oyifunayo.

Ngobutyebi kwiakhawunti yakho yobuqu

Enye imeko iyenzeka, kwaye ndiyathemba ukuba kunjalo, kuba ukhe walumka xa kuqala unyaka kwaye awukavuli sithuba kwiimarike. Siyavuyisana nawe ukuba le yimeko yakho, kuba uya kuba nakho ukusebenzisa amaxabiso asezantsi kakhulu kwikoteyishini yakho kwiinyanga ezizayo. Kwaye kwezinye iimeko, ngamathuba okuthenga okwenyani.

Ukuxhamla kule meko, kuya kufuneka ulinganise inqanaba lamaxabiso e-equity, kwaye kwimeko yokwenza umgangatho kule ntshukumo iphantsi, ukhethe ukuthenga izinto ozikhethileyo, kodwa kwangaxeshanye baba ndlongondlongo kakhulu, bakuvumela ukuba ufumane uhlaziyo oluphezulu kakhulu olunokubakho kulo nyaka.

Inzuzo eyinkunzi eqokelelwe kweminye iminyaka

Enye imeko ikwaqwalaselwe, ethi yona ibe nokhuseleko olukhulu, yona onokuba nayo ngeli xesha. Iya kuba yileyo, ngaphandle kwengozi yemarike yempahla kwiinyanga nje ezidlulileyo, ube nephothifoliyo yakho enenzuzo ebonakalayo, ngenxa yohlaziyo lwezabelo kwiminyaka emine edlulileyo. Njengokuba, Awusayi kulinda ixesha elide ukuvala izikhundla. Kwaye uthathe ithuba lokufumana nasiphi na isaphulelo kumaxabiso abo ukukhulisa intengiso kunye nempumelelo enkulu.

Kwaye oko kuya kukunceda unamathuba amaninzi oshishino kwikamva, Kwaye mhlawumbi nangamaxabiso okhuphiswano ngakumbi, onokuwenza nakwiinkampani obukhe wazithengisa izabelo ngaphambili. Kuphela ukuba ungumtyali mali wexesha elide, kwaye utyale imali kukhuseleko olwahlulahlula kakhulu izabelo phakathi kwabanini zabelo, apho unokucinga ngokugcina izikhundla zakho zotyalo mali, nangona uthatha umngcipheko omkhulu ekukhuseleni ulondolozo lwakho.

Iingcebiso ezilishumi elinanye zokugcina imali oyityalileyo

Ngayiphi na imeko, nokuba imeko ikhoyo ngoku yotyalo mali, Kuya kufuneka ulwamkele ngakumbi kuthotho lwezikhokelo zokuziphatha oko kuya kuba luncedo kakhulu kulo lonke unyaka. Ingakumbi xa ujongene nemeko enzima ngakumbi kunokuba bekulindelwe ngaphambili, kwaye enokuthi ikhokelele kwilahleko ezinze ngokusisigxina kwiimarike ze-equity.

Ungasebenzisa amacebo ahlukeneyo, kuxhomekeke kwiprofayili oyibonisayo, kunye nezenzo zakho kwiimarike zezemali ziya kwahluka. Ngayiphi na imeko, kuya kufuneka ucace gca ukuba loluphi uhlobo lweenjongo oziqhubayo, kwaye ungqinelane nazo.

Ziya kusekelwa ikakhulu ekugcineni nasekukhuseleni ukonga imali. Kodwa nasekusebenziseni iintshukumo ezonyukayo eziza kuveliswa unyaka wonke, ngaphandle kwamathandabuzo, ukonyusa ubulungisa ekupheleni konyaka. Ewe ayizukuba lula, kodwa iya kufuna ukuba ubenakho ukufumana ezi ngcebiso zilandelayo. Iya kuba sisitshixo kutyalo mali ngempumelelo.

1. Thatha ithuba layo nayiphi na ikhefu lokuxhathisa ngokhuseleko oludwelisiweyo ukungena kwizabelo, kuba ezi ntshukumo zibonisa ukuthembeka okukhulu ekunyukeni kwezikhundla kumaxabiso.
2. Ungazami ukungena kwiimarike zesitokhwe de imeko entsha yezoqoqosho icace, kwaye Umhlaba unokwenziwa ngokuhambelana okuthile. Iya kusebenza ekuphuhliseni imisebenzi yokuqala, nangona ingenangcwangu. Ukuhamba kancinci kancinci, kuxhomekeka kwimeko, ukuqokelela ngokuthenga okutsha.
3. Ngethuba nje amaxabiso ezokhuseleko eqhubeka nokubonisa ukuncipha (njengoko kunjalo ngoku), kungcono ukuba usecaleni kwaso nasiphi na isenzo, kwaye uqondise imali oyigcinileyo kwezinye ii-asethi eziyimali ezikhuselekileyo neziqinisekisa imbuyekezo encinci.
4. Isitshixo ekusebenzeni kakuhle kwemarike yesitokhwe silele ekwazini indlela yokulinda, kwaye unyaka mde kakhulu, kwaye ngokuqinisekileyo uya kuba nomvuzo wokusebenzisa esi sicwangciso. Uya kuba nexesha lokuthumela ii-odolo zokuthenga kwintengiso ye-equity, kwaye awudingi kuzenza zibe sesikweni ngoku.
5. Tyala imali ongazukuyidinga kwixesha elifutshane neliphakathi, Ukukukhusela kwilahleko enokubakho kwiphothifoliyo yakho yezokhuseleko. Kwaye ukuyiphuhlisa njengokusebenza kwexesha elide, phakathi kweminyaka emi-2 ukuya kwemi-3, ngaphandle kokungxama ekuphelisweni kwayo. Gcina ukhumbula ukuba kuya kufuneka uhlawulele abantwana isikolo, iindleko zasekhaya, uxanduva lwerhafu ...
6. Cinga malunga nokuba kunokwenzeka njani utyalomali kwiimarike eziguqukayo. Ayisiyiyo kuphela imali onokuthi uyenze kwimarike yemasheya ekhulayo, kodwa intshukumo ye-bearish ikwakhona kwimveliso zemali ukwenza ukonga kwakho kunenzuzo. Ngokusisiseko ngemali yotyalo-mali, ii-ETFs kunye nentengiso yemboleko, phakathi kwabanye.
7. Ukuba utyale imali yakho kwiimeko ezinqabileyo, kuya kufuneka uprinte ubuchule obukhulu kwimisebenzi eyenziweyo, ngenxa yomngcipheko obonakalayo ofanayo. Kwaye ngaphambi kwako nakuphi na ukubuyela kumaxabiso abo, awuzukukhetha ngaphandle kokuphuma kwiimarike.. Ngaphandle kokulinda ithuba lesibini.
8. Utywala iya kuba yenye yezona zinto zixabisekileyo kulo nyaka, kwaye oko kuyakunceda ukuba ube kwindawo yokufumana amathuba amahle okuthenga kwiinyanga ezizayo, ngaphandle kokubanjiswa kulo naliphi na ixabiso le-equity.
9. Okwangoku Imarike yemasheya yaseSpain yenye yeemarike ezichaphazelekayo kwizabelo zamanye amazwe. Ukungaqiniseki kwezopolitiko kunzima kakhulu kwisigqibo sabatyalomali abakhulu. Ungayizama kwezinye iimarike zentengiso ezibonisa ubuchwephesha obungcono, kwaye ezinokuphuhlisa iintshukumo ezinyukayo ngokulula.
10. Lungiselela ukufaka isitokhwe esohlwaywa kanobom kungekudala, kwaye banamaxabiso anomtsalane kakhulu wokuvula izikhundla. I-Santander, malunga nee-euro ezingama-4, iArcelor, kumqobo wee-euro ezintathu, okanye i-BBVA phantse kwii-euro ezingama-3, inokuba zezinye iindlela zokwakha iphothifoliyo yakho kumanqanaba anconyelwe kakhulu kulindelo lwakho njengomtyali mali.
11. Inqanaba lokuthengisa ngaphezulu kwimarike yesitokhwe sikazwelonke (nakwezinye iimarike zamanye amazwe) libonakalisiwe, kwaye nangaliphi na ixesha Isaphulelo sokungaguquguquki okukhulu kunokuphuhliswa leyo ithatha isenzo kumaxabiso aphezulu kakhulu kunala ngoku. Isenokuba sisisombululo kumathandabuzo akho malunga nento ekufuneka uyenzile ngeli xesha, ukuxhamla kweli nani ungalibona kwiigrafu.