Ewe ikota yesibini yonyaka ayizoli kubatyali mali abancinci nabaphakathi. ISpain, i-Itali, uMbindi Mpuma kunye noMntla Korea zezinye zeendawo ezongeza ukungazinzi kwiimarike zezemali. Kwaye ngokukodwa kwimarike yemasheya enengxaki kule mithombo ingaze ilungele imbuyekezo kulondolozo. Nangona kungekho kunqongophala kwamazwi agunyazisiweyo abhekisa kwinto yokuba sibona utshintsho kwindlela eyakhiwe ngayo kwiimarike. Kwanawona maqonga e-alarmist, imeko enzima kakhulu iyaxelwa kwi-European Union.
Kwimeko nayiphi na into, lixesha lokucinga ngento omele uyenze ngemali yakho ukususela ngoku. Kule veki, isalathiso esikhethiweyo sengeniso eyahlukileyo, i-Ibex 35 iphuhlise ukuhla okubonakalayo kwe-2,49% kwaye oko kuyikhuphile ngamanqaku ayi-9.521,3 Oku kukuhla kwesibini ngobukhulu enyakeni, apho onke amaxabiso okhetho lwaseSpain aphele ngokuwa. Nangona apho izehlo zichaziwe ngakumbi kwicandelo lokugcina imali kuba ezinye iibhanki zehlile ngaphezulu kwe-5%. La ngamagama aphambili kwimarike yemasheya, kodwa yile nto yenzekayo ngo-Banco Sabadell, Banco Santander okanye Bankia, ukunika imizekelo embalwa yale meko ikhathazayo.
Enye yeemarike zezemali eziphuma kwimeko yezoqoqosho yangoku yiNtaliyane. Ngale ndlela, i-FTSE yehle nge-3,5%, ngelixa ii-transalpine equities zazingaphezulu kancinci. Ngenxa yale meko, kuyasimangalisa kuthi ukuba abatyali zimali abancinci nabaphakathi baqala ukuxhalaba ngemeko yolondolozo lwabo. Kwaye ngombuzo ofanelekileyo, kufuneka wenze ntoni ngemali yakho enkulu ukusukela ngoku? Ewe banezixhobo zemali ukuze ilahleko ifakwe ngokuqinisekileyo kwingxelo yabo yengeniso. Ngaba uyafuna ukwazi ezona zisebenzayo?
Ukungazinzi: ukunciphisa izikhundla
Oku ngokungathandabuzekiyo kuya kuba yinto yakho yokuqala yokugcina ukonga nangaphezulu kwezinye iindlela ezinobunzima. Ukuba ubusenza imali kwimarike yemasheya, iya kuba sisizathu esifanelekileyo sokuyonwabela le mali izuzekileyo ngexesha elifanelekileyo njengeholide elandelayo. Kwezi nyanga kungcono kakhulu ukuba ube nemali yokuhlawula amatyala akho kunokuba ubenomngcipheko ofunyenwe okwangoku ziimarike zezabelo. Kuba akubalulekanga ukuthatha umngcipheko ngokusebenza ngesiphelo esingaqinisekanga.
Enye imeko onokuyibonisa ukusukela ngoku kukuba izikhundla zakho kwimarike yemasheya zilahlekile. Kwimeko apho, isisombululo siya kuba nzima ngakumbi. Nangona kunjalo, unokwenza ukuthengisa ngokuthe ngqo ukuze ungaphindi uqhubeke ngokuhla kumachaphaza. Kwimarike yamasheya kuhlala kusithiwa kungcono ukulahlekelwa yiyuro enye kunokuba kungabi mihlanu. Lixesha lokuba ufake le milim ethandwayo phakathi kwabatyali mali abanamava ngakumbi kolu hlobo lomsebenzi. Ukusuka ekuthatheni ukuba wenze utyando olubi kwaye akukho nto iyenye. Kuya kubakho ixesha apho ungalisusa khona eli xabiso kwi-capital capital yakho. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye kwanakwindawo yokujonga esisiseko.
Khangela ezinye iindlela zotyalo-mali
Omnye we izisombululo Ujongene nale meko inzima yokuba iimarike zamasheya zamanye amazwe ziyaphuhliswa ngalo mzuzu kanye, kukujonga iinketho ezenza ukonga kwakho kunenzuzo. Ewe zikhona, nangona kuyinyani ukuba bayahamba baye kwiimarike ezizezinye apho ungenakuba namava okwenza naluphi na uhlobo lomsebenzi. Ngale ndlela, isinyithi esichanekileyo sesinye sezona zigqibo zibalaseleyo onokuzenza. Ukuza kuthi ga ngoku ukuba igolide ixabisile kwezi ntsuku phantsi kwepesenti enamanani aphindwe kabini. Izizathu kufuneka zifunyanwe kukuba ukuhamba kwemali ukusuka kwisiqingatha sehlabathi kufuna indawo yokuhlala apho banokugcina khona izinto zabo kunye neentsapho zabo.
Ingxaki enkulu kule asethi yezemali ebonakalayo kukuba kunzima kakhulu ukuvula izikhundla. Ukuya kuthi ga kwinqanaba apho unokunyanzelwa ukuba uthenge ngokomzimba esi sinyithi sixabisekileyo. Ngayiphi na imeko, kunokuba kufanelekile ukwenza le nkqubo kuba amandla ayo okuxabisa aphezulu kakhulu. Kwaye kuzo zonke iimeko, iphezulu kunale ibonelelwa yingxowa ngalo mzuzu. Ngaphandle kwenyani yokuba abanye abahlalutyi beemarike zezemali bacinga ukuba ngaphandle kwale meko, kusekho "ixabiso" elilungileyo leenkampani zaseSpain ezidweliswe kwimarike yemasheya.
Ulwahlulo lonke lotyalo-mali
Akukho ndlela nangayiphi na indlela yokugcina yonke imali yakho ikhona ukuze kutyalwe ibhaskiti enye. Ukuba akunjalo, ngokuchaseneyo, eyona nto iphambili yokuphepha umngcipheko ngakumbi kukuyikhokelela kwiimveliso ezahlukeneyo zezemali nakwimpahla yotyalo-mali. Ngale ndlela, uya kunciphisa ilahleko kwimeko embi kakhulu kwiimarike zezemali. Sisicwangciso esilula kakhulu ukusenza kuba kufuneka usasaze phakathi kweeasethi zemali ezinokusebenza kweli lizwe lidibeneyo. Ewe kunjalo, ayinabungozi kuba ukuphela kosuku sithetha ngemali.
Ukusuka kolu luvo, elinye lawona macebo asebenzayo anikezelwa yimali efanayo. Kodwa ukuba nje badibanisa izinto ezininzi zezemali okanye iiasethi ezinomgangatho ophantsi wokuhla. Ukongeza, banokuphuhliswa phantsi kolawulo olusebenzayo, yiyo loo nto eyenza ukuba iimali zikwazi ukuziqhelanisa nazo zonke iimeko zoqoqosho, nkqu nezona zimbi kakhulu. Ukuza kuthi ga kwinqanaba lokuba ufumane ukubuya kwezi zikhundla. Ngoncedo lokuba zininzi iimali zotyalo-mali kwezi mpawu. Ukusuka kweefomathi ezahlukeneyo kunye neenkampani zolawulo ezizenzayo.
Iiakhawunti ezihlawula kakhulu
Kukho esinye isisombululo esingasokuze sisilele kwezona zikhuselo okanye ezikhuselekileyo. Njengomzekelo olu didi lweeakhawunti lubonelela ngenzuzo enkulu kubanini bazo. Ngokubuyiselwa kulondolozo olwenzeka phakathi kwe-1% kunye ne-2%. Ipesenti ecetyiswayo engenanto yakwenza nokusebenza kweyona akhawunti yeebhanki zemveli. Ngaphandle kwayo nayiphi na imfuneko ukuze ukwazi ukufikelela kwezi mveliso zilungiselelwe ukonga. Ayothusi into yokuba uninzi lweendawo zebhanki esele zineakhawunti yezi mpawu. Kungenxa yokuba bayakuqinisekisa ukusebenza okungagungqiyo kwaye kuqinisekisiwe minyaka le. Nokuba kwenzeka ntoni kwiimarike zezemali.
Olu hlobo lweeakhawunti zebhanki zivulelekile kuzo zonke iiprofayili zabathengi, nangona kwezinye iimeko kuye kufuneke ukuba ulawule umvuzo wakho okanye umvuzo oqhelekileyo. Kwaye kwiimodeli ezifuna kakhulu, ukuya kuthi ga kwiibhili ezahlukeneyo zekhaya (umbane, amanzi, igesi, njl. Ukuze ube nokufumana inxenye yezi ndleko ekhaya ngembuyekezo yokufikelela kwi-5%. Ngayiphi na imeko, sesinye sezixhobo onazo ngalo mzuzu ukwenza ulondolozo lube nenzuzo. Ngexesha apho ixabiso lemali likwimbali esezantsi. Ngamanye amagama, ixabiso lemali li-0%, elenza ukuba iiakhawunti ezihlawula kakhulu zikhangeleke ngakumbi.
Iimveliso eziguqulweyo kwimarike yemasheya
Ukuba ukuwa kwiimarike ze-equity kuya kuba nzima, uya kuba nezinto ekuthiwa ziimveliso eziguqukayo ezikhoyo. Ezi ziimodeli apho unokufumana khona imali ethe kratya njengoko ukuwa kushushu kakhulu. Nangona kunjalo, yimveliso enomngcipheko omkhulu kuba ungashiya ii-euro ezininzi endleleni. Ukongeza, zilunge ngakumbi kumaxesha akhethekileyo ukuba zingaze ziphuhliswe kwixesha eliphakathi nelide. Apho uya kuthi ngokuqinisekileyo ulahlekelwe yimali eninzi.
Ezi ntshukumo zinokwenziwa xa kuthengwa kwaye kuthengiswa izabelo kwimarike yemasheya ngento ekuthiwa kukuthengisa ngetyala. Ukwenza ingxowa mali yotyalo-mali umvuzo ukuhla kwiimarike zemali. Zingasetyenziswa kwimarike yaseSpain ngokwayo okanye kwezinye ii-indices zamazwe aphesheya. Ngaphantsi koomatshini abahlala befana kwaye baphuhliswa ngezikhokelo ezifanayo zokusebenza. Ezi ziimveliso ezinokuba luncedo kakhulu ukuba iimeko ezifunekayo ziyafezekiswa. Kodwa ngokuchaseneyo, bathwala umngcipheko omkhulu othetha ukuba azifanelekanga kuzo zonke iiprofayili zabatyali mali abancinci nabaphakathi.
Kananjalo ngokusebenzisa iimvume ungasisebenzisa esi sicwangciso sikhetheke kakhulu, nangona sivela kwiindlela ezinobundlongondlongo ngakumbi kuneemodeli zangaphambili. Ukongeza, ungaziphatha ezi ntshukumo phantsi kwamaxesha amafutshane okusisigxina. Ukuze ukwazi ukusombulula ezi zikhundla ngexesha elifutshane kakhulu. Nangona zijolise kubatyali mali abanamava ngakumbi kolu didi lweemarike zezemali.
Njengezinye iimveliso, ezinjengeziphumo, ezakhiwe ngendlela kunye neempawu ezifanayo. Kodwa azikhuthazwa kakhulu ngenxa yomngcipheko omkhulu obalekayo ngokuqesha. Apho kuya kufuneka ubeke emngciphekweni imali yakho ukuze ufezekise iinjongo zakho ezinqwenelekayo kwihlabathi lotyalo-mali. Ngaphezulu kokuthathelwa ingqalelo kwezobuchwephesha okukhoyo kwiimarike zezemali ngala maxesha kanye. Ungalibali ukuba ufuna ukugcina ukonga kwakho.