Iphepha lomncono kwisiqingatha sokuqala sonyaka lisandula ukuvalwa kwaye likhokelele kwiziphumo ezicace gca kubo bonke abatyali mali abancinci nabaphakathi abanemali iindawo ezivulekileyo engxoweni. Kungenxa yokuba, kwiinyanga ezisixhenxe zokuqala zalo nyaka ibhalansi yesalathiso esikhethiweyo saseSpain, i-Ibex 35, ixabise ngokungaphantsi malunga ne-12%. Ngokuhambelana okuthile kunye nokuzuza kwezinye iimarike zesitokhwe zelizwekazi elidala nkqu nakwiimarike zezemali kwelinye icala leAtlantic. Ngale ndlela, icandelo lokuqala lonyaka alibonisanga kuyantlukwano ngokubhekisele kwizabelo zamanye amazwe.
Ewe, oku kunyuka kumangalise ngaphezulu komhlalutyi wezemali ongacingi ukuba angafikelela kula manqanaba. Kwale nto wayeyiphumelele ukuza kuthi ga ngoku yawela kwisimo sakhe sonyaka wonke. Ngale ndlela, kunokuqinisekiswa ukuba iziphumo zentengiso yeestokhwe yaseSpain ngokucacileyo yanelise kwimidla yabatyali mali abancinci nabaphakathi. Apho kuye kwakho amaxabiso axatyiswe ngaphezu komndilili kazwelonke. Ngembuyekezo engaphezulu kwe-20% Kwaye banike uvuyo oluhle kakhulu kubasindisi abathathe izithuba ngelixesha lonyaka.
Enye into ekufanele ukuba uyikhankanye yile inento yokwenza nomthamo wokuqesha. Ngaphandle kokuphakama ngokugqithileyo, ibonakalise umdla ongathandabuzekiyo wabatyali mali kule marike yezemali ifanelekileyo. Enye yeenkcazo zezi zenzo kungenxa ye- Inzuzo encinci enikwa ngoku ziimveliso zebhanki. Apho iidipozithi zexesha, amanqaku ezithembiso zebhanki okanye iiakhawunti ezihlawula kakhulu kunqabile ukuba zidlule kumanqanaba angaphezu kwe-0,50%. Ngenxa yexabiso eliphantsi lemali kuyo yonke indawo ye-euro.
Ibhalansi yesemester yokuqala
Ngaphandle kwenyani eqinisekileyo yokuvela kwamanani ezabelo kwizabelo zamazwe, khange ikhululeke kwimpixano nakwezinye izinto ezoyikekayo phakathi kweearhente ezahlukeneyo zezemali. Kwaye oko kuye kwabangela ukulungiswa okukodwa kunye nokulinganiselwa eziye zasebenza ubukhulu becala ukuze eyona ndawo ininzi yabatyali zimali abancinci nabaphakathi abakhubazekileyo babe nako ukungena kwiimarike. Ukusuka kule meko ngokubanzi, kuye kwakho isitokhwe esinokusebenza okungcono kunabanye. Ngokukodwa, iinkampani zokwakha, iibhanki kunye neqela lamandla angaqhelekanga. Njengolunye uthotho lwamaxabiso asivalileyo isiqingatha sokuqala sonyaka kumhlaba ongalunganga.
I-Ibex 35 ivale iinyanga ezisixhenxe zokuqala zalo nyaka ngokungazinzi okuthile okuqhelekileyo kumaxesha eeholide. Apho kukho ukuphumla okukhulu, kubathengi nakubathengisi. Ekugqibeleni yima kumasango amanqaku ayi-10.600 kwiiseshoni ebezikhokelwe kukuboniswa kweziphumo zonyaka zonyaka zexabiso elithile ezenza ukhetho. Ukuba baya kuba ngabo abaseta ithoni kumaxabiso abo kula maxesha achanekileyo.
Kwelinye icala, iintshukumo zokufaneleka okukhethekileyo nazo zaphuhliswa kwezinye iiasethi zemali ezinomdla obonakalayo kuzo zonke iintlobo zabatyali mali. Kungenxa yokuba kwintengiso yetyala, eyona nto ibaluleke kakhulu kukuba ipremiyamu yomngcipheko waseSpain ithe kancinci ngaphantsi kweendawo ezili-100, kunye nemveliso yesibophelelo seminyaka elishumi kwi-1,548%. Ngelixa ngokuchaseneyo, kwimarike yemali, i-euro yatshintshwa nge-1,1632 yeedola. Ngokwesiqhelo nakweliphi na ityala zezona zixhaphakileyo kuzo zonke. Ngaphandle kwazo naziphi na iindaba malunga nenxalenye esebenzayo yale nkqubo.
Ixesha alikho ngaphandle kwempixano
Nokuba kunjalo, ezi nyanga zisixhenxe khange ibe yindlela egcwele iiroses, kude lee kuyo. Inye kuphela ekufuneka ibhekise kwimpixano kwiimarike zezemali emva kwe- iinkqubo zonyulo yaphuhliswa kwamanye amazwe aseYurophu: eFrance nase Holland. Ukukhuthaza izilungiso ezinzulu eziye zalungiswa kamva ngenxa yeziphumo zothethwano oludumileyo. Ukunika inkxaso entsha kwiimarike zesitokhwe zaseYurophu, ngakumbi kwisalathiso sezabelo. Ngale ndlela, akukho mathandabuzo ukuba yonke into ibiphantsi kolawulo, kunye namanye amathandabuzo apha endleleni.
Kananjalo ayinakulibaleka ukuba isalathiso esikhethiweyo sezabelo zaseSpain sichaphazelekile yimibutho yecandelo lezemali. Ukuza kuthi ga kwinqanaba lokuba ngamanye amaxesha liwe ngokukhethekileyo kwiimarike zezemali. Ayothusi into yokuba kweli xesha lonyaka kuxa i Ukufakwa kweBanco liziko eliphethwe nguAna Patricia Botín. Ngolungelelwaniso olusengqiqweni kumaxabiso ala maqela ezemali adwelisiweyo. Ukongeza kwiinkqubo kwiibhanki ezincinci neziphakathi ezibonakalise ukungazinzi ngaphezulu kwesiqhelo.
Ukusebenza kakuhle koqoqosho
Esinye sezona zinto zibangela oku kuhambela phambili kwimarike yaseSpain ikwidatha elungileyo athe uqoqosho lwayivelisa kwezi nyanga zidlulileyo. Zombini ngokubhekisele eSpain, nakwamanye amazwe angabamelwane. Ngokukhula ngaphezulu kokulindelwe yinxalenye enkulu yabahlalutyi bezemali. Kwaye phi Mutual fund uthathe isigqibo sokungena kwiimarike zasekhaya. Kwezinye iimeko ezinamandla athile, njengoko kunokwenzeka ukuba uqinisekise kwiseshoni engaphezulu kwesinye sokurhweba. Kude kube iyeyenye yeempahla zexabiso zezemali ngokubaluleka okukhulu kwiinyanga ezisixhenxe zokuqala zonyaka.
Ukusuka kolu luvo ngokubanzi, ayinakulityalwa nayiphi na indlela esinye sezitshixo ukufikelela kwezi kunyuka kwimarike yaseSpain inethemba elihle kwiinkampani ezidweliswe kwimarike yemasheya. Ayothusi into yokuba iziphumo zeshishini bezingaphezulu kokulindelwe ngabahlalutyi bezemali. Nokuba kwezinye iimeko zinomda ophakamileyo kakhulu kunokuba bekulindelwe. Le nto ibaluleke kakhulu ibe yenye yezinto ezibangela amaxabiso enkampani ukuba axatyiswe yi-12% ngeli xesha lonyaka.
Inempembelelo, kwaye ngokubhekisele kwizabelo zaseSpain, i uhlaziyo lwaphezulu yokukhula koqoqosho. Ukuza ngaphezulu kokudlula kumanqanaba e-3%, ngokweengqikelelo zemibutho ephambili yamanye amazwe. Ukuya kuthi ga kwinqanaba lokuba inike abathengi abathe bagqiba kwelokuba bathathe imeko yabo ekhethekileyo njengabatyali mali. Kuzo zonke iintlobo zokhuseleko, ukusuka kweyona cyclical ukuya kwiibhanki, kubandakanya nezo zivela kubuchwephesha obutsha. Akunakulityalwa ukuba kwezi nyanga zisixhenxe zokuqala izikhundla zabathengi ziboyisile ngokucacileyo ezo zabathengisi.
Ukuhamba ngokudibeneyo kwimarike yemasheya
Akunakwenzeka ukuba yonke imisebenzi yezemali eye yaphuhliswa phakathi kwamalungu ee-stock market indices ingabonakali. Ukusukela ngaphezulu okanye ngaphantsi ukudityaniswa okubhengeziweyo kwiibhidi ezithatha ixesha elide zokuthatha imali, ezizalise icandelo lokuqala lalo nyaka ngeendaba. Kwezinye iimeko, ngohlengahlengiso ekufanelekile ukukhankanywa, kodwa kwezinye ngokukhathazeka okucacileyo kwimidla yabatyali mali abancinci nabaphakathi. Kuba kuye kwakho nokunyamalala kwisalathiso sikazwelonke esikhethiweyo, njengakwimeko eyaziwayo eyeyona iBanco idumileyo. Ngayiphi na imeko, kucacile ukuba ubulungisa belizwe buqhubekile babonelela ngeendaba kubasebenzisi bazo zonke iindlela ezinokubakho.
Amathandabuzo malunga nokuqhubeka kokuqhubela phambili
Nangona kunjalo, khona ngoku elinye lamathandabuzo aphakanyiswe ziimarike zezemali kukuba ingaba kwisiqingatha sesibini salo nyaka kuya kubakho bamba esi isingqisho ukukhula kwixabiso lezabelo. Kuba kubonakala ngathi kunokubakho ikhefu, njengoko kubonisiwe kwimihla yokugqibela. Okanye ukulungiswa kokuqina okukhulu kuthatha ithuba lokuthatha ikhefu kwinxalenye yabatyali mali abancinci nabaphakathi. Ubuncinci ngexesha elifutshane nakwikota kwaye ngaphambi kokucacisa amathandabuzo athile avela kwiimarike zezemali.
Nokuba yeyiphi na indlela, kubonakala kucace gca ukuba i-Ibex 35 yenze inkcaso ecacileyo kwi Amanqanaba angama-10.600. Iya kuthatha isigqibo malunga nesiqingatha sesibini sonyaka amanqanaba aphezulu anokufikelelwa kwikoteyishini yamaxabiso. Kuba ukuba akunjalo ngale ndlela, unganakho ukungqina utshintsho olukhulu kwindlela yokulingana. Njengabahlalutyi bezemali abhengeze iinyanga ezidlulileyo. Iya kuba lelinye lawona manqaku kuya kufuneka ukuba acaciswe ukusukela ngoku.
Okwangoku, indawo yokuthenga ihlala ihleli, kodwa ayaziwa ngokuqinisekileyo ukuba le ntshukumo izakuqhubeka ixesha elingakanani. Ngamafutshane, iya kuba yenye yemingeni ephambili oya kuthi ujongane nayo kubudlelwane bakho nelizwe elihlala linzima lemali. Kuba, enyanisweni, nantoni na inokwenzeka kwiimarike zezemali kuba ngapha koko sithetha ngemarike yemasheya. Kwaye le yenye yeemfihlelo zayo ezinkulu kwaye kwangaxeshanye inkuthazo. Apho uyakuba kuphela ngubani ekufuneka enze isigqibo malunga nento ekufuneka uyenzile kwiimarike zezabelo ukwenza ulondolozo lube nenzuzo. Emva kwamava aqokelelwe kwisiqingatha sokuqala salo nyaka unzima kuye kwafuneka uphile kutyalo-mali.