Iinkampani ezikweli candelo ziqokelelwe kwisalathiso sazo ezinokuthi zanelise ibango lotyalo mali. Nangona kunjalo, ukwenza lula ukusebenza, esona sicwangciso sisebenzayo senziwe ngezixhobo Iimali ezidwelisiweyo. Unokwazi ukuvula izikhundla kwiimarike zamazwe ngamazwe apho ukutya okuyisiseko kubhalwe khona, nangona ucinga ingozi enkulu ekuhambeni kweemali.
Ukutya ayisiyiyo kuphela into yokuphila kwabantu. Lukhetho olutsha ukwenza ingeniso enenzuzo kwiindlela ezahlukeneyo, kodwa ngenjongo enye: ukufumana imbuyekezo kwinkunzi. Esi sicwangciso sinokubonakala kwiinkampani ezidweliswe kwimarike yemasheya ezinikezelwe kurhwebo lwayo: i-Ebro Foods, iDeoleo, iTelepizza okanye iNatra phakathi kwezona zibalulekileyo kwezorhwebo zaseSpain. Nangona kulula kakhulu ukuphuhlisa lo mnqweno ngengxowa-mali yokurhweba ngokusekwe kweli candelo. Ngayiphi na imeko, iya kuhlala iyindlela yokugqibela eya kuzo zonke izalathiso ezisekwe kwi okona kutya kusisiseko. Njengeswekile, isoya, ingqolowa, njl. Zidwelisiwe kwezona ntengiso zibaluleke kakhulu kwihlabathi.
Ngayiphi na imeko, nokuba ukhetha ntoni, kukho into efanayo kuzo zonke ezi zindululo zotyalo-mali. Ayikho enye ngaphandle kwendima yabo yokusabela ngaphambi kweemeko ezingathandekiyo kwiimarike zezemali. Ngesizathu esilula kakhulu kubo bonke abatyali mali ukuba basiqonde kwaye kukuba iimodeli zabo zeshishini azijikelezi. Oko kukuthi, ukusetyenziswa kwayo akuyiqondi imijikelezo yezoqoqosho, kodwa ngokuchaseneyo oko kuyimfuneko kubemi. Ukusuka kwezi iimpawu Lixesha lokuba ubone ukuba zeziphi iimodeli zotyalo-mali ezinokwanelisa le mfuno ikhethekileyo.
Ukhuseleko lwamaqela kweli candelo
Ukuba ubucukubhede obugqithisileyo abufuneki, esona sisombululo kukuthenga kunye nokuthengisa izabelo kwimarike yemasheya. Licandelo laseSpain elinomda kakhulu ngokwenani lezindululo zentengiso yesitokhwe, kodwa oko kunika ukungazinzi okuncinci malunga nexabiso locaphulo lwayo. Ukuya kwinqanaba lokuba ikhusela izikhundla zabatyali mali ngokuchasene nokubonakala kwe yehla kwiimarike zezabelo. Ngelixa umahluko kwixabiso labo kwiseshoni enye yokurhweba kunqabile ukuba idlule kwi-2%, ngokuchaseneyo namanye amacandelo anobundlongondlongo (iitekhnoloji, iibhanki okanye iinkampani zokwakha) ezinemida ezinokunyuka ziye kwi-5%.
Nangona kunjalo, ukwandisa ukunikezelwa kwecandelo lokutya, olona khetho lusengqiqweni kukuya kwimarike yaseYurophu emelweyo isalathiso I-Stoxx 600 yaseYurophu Ukutya kunye neSiselo. Inika uluhlu olubandakanya iinkampani ezinje ngeNestlé, Unilever kunye neDanone, phakathi kwezinye ezaziwayo. Indaleko yeli candelo kunyaka ophelileyo ibe intle, ibulela malunga ne-10%. Ngaphantsi kweepesenti ezifanayo zenzuzo njengezo ziveliswe kwi-Eurostoxx 50.
Iimpawu kwimarike yamasheya yamanye amazwe
Kukho enye indlela yokuthatha isikhundla kwezi asethi zemali ngaphandle kwabalamli. Kodwa ngokuthe ngqo kwizalathiso zamazwe aphesheya apho kuthengiswa ukutya okusisiseko (iswekile, ikofu okanye ingqolowa. Akuyi kubakho sigqibo ngaphandle kokuya kwezona marike zezimali zibalulekileyo, ezinje ngeMelika kunye neGreat Britain. indaleko engalinganiyo kuxhomekeka kwifomathi ekhethiweyo. Enye yezi zinto zokukhuphela yi Ikofu yeCBB yekofu ebonisa ukwahluka konyaka kwe-0,25% kuphela. Olunye ukhetho kukudibanisa uninzi lwezi zinto zenziwe eluhlaza kwisalathiso esinye njengaleyo imeleyo Ilizwe jikelele Agri TR ethe yahlaziya kwiinyanga ezilishumi elinambini ezidlulileyo nge-22,7%.
Kananjalo ezi indices zebenmarkmark zikhululiwe ekuphulukaneni nelahleko kwindaleko yabo kunyaka-mali ophelileyo. Njengakwimeko ethile ye- Impahla yeCRB Iswekile eshiyeke kweli xesha li-2,76% yexabiso. Nokuba ibonakala iflethi, njenge Imveliso yeCRB Juice yeOrange engakhange ivelise utshintsho kwixabiso layo ngokuvelisa imeko ebonakalayo esecaleni.
Ii-ETFs zokwahlula imali
Ikwabizwa ngokuba yimali yokurhweba ngokutshintshiselana, ezi mveliso zibamba ubukho bezi zinto zivelisiweyo kwiimarike zezemali. Ngokwesiko babethe ezinye iiasethi ngenzuzo Ngexesha lokunyuka kwamaxabiso aphezulu kunye nokudodobala koqoqosho kwiimarike zezabelo. Kwangelo xesha linye linceda abatyali mali ukuzikhusela kwimingcipheko kuqoqosho. Ngaphantsi kwezi ndlela, kubonakala ii-ETFs ezimbini ezibonelela ngolu phawu kwaye sele ziqalisile ukurhweba kwiLondon Stock Exchange. Ukufikelela kule marike ngendlela eyahlukileyo kunye nokuvelisa ukukhula ukusuka kwigalelo lezoqoqosho elifikelelekayo.
Enye yeemali zokurhweba ezitshintshisanayo I-ETFS Zonke izinto ezithengiswayo ziya ku-UCITS, Esisekela isicwangciso sayo ekulandeleleni isalathiso sexesha elizayo kwimpahla yenyanga. Ikhawulwe phantsi kwendlela yexesha elifutshane. Olunye ukhetho, Ixesha elide le-ETFS Zonke izinto ezithengiswayo ngaphandle kwezoLimo kunye neMfuyo, isebenza kwisalathiso se ikamva lexesha elide eyahlulwe ngakumbi ngokwandisa kwezinye iiasethi zemali ezivela kwicandelo lezamandla kunye nelinyithi. Ngayiphi na imeko, ziimveliso ezidibanisa utyalomali kwimarike yemasheya nakwimali yotyalo-mali.
Izibonelelo zolu tyalo mali
Ewe kunjalo, ujongene notyalo-mali lwe-atypical kunokuba bambalwa abakhoyo okwangoku. Kungenxa yesi sizathu le nto ifuna ingqalelo ekhethekileyo evela kuwe. Ingakumbi kuba ifuna ulwazi olukhulu ngakumbi kwiimarike apho zisebenza khona ezi asethi zemali. Ukuya kwinqanaba lokuba ukuba awuthobeli unobungozi ulahlekelwe yimali eninzi Utyalomali kwezi asethi zemali. Ukusuka kwimeko yesiqhelo, ezi zezinye zeenzuzo eziziswa lutyalo-mali kolu luhlu lwezixhobo eziluhlaza.
Imodeli yotyalo-mali enokuba yinzuzo ngakumbi kunabanye ngexesha elithile. Ngokukodwa xa iimarike ze-equity zingahambi ngamaxesha amahle kwaye awunazo iindlela zokwenyani zokwenza iiasethi zakho zenzuzo zinenzuzo. Ayothusi into yokuba ngamanye amaxesha okanye ezinye izinto ezingafunekiyo zinokubakho amaxabiso okusabela ngenxalenye elungileyo yabatyali mali abancinci nabaphakathi.
Kuyinto elungileyo esisiseko kubemi behlabathi kwaye ke kuyakuhlala kukho imfuno yoku kutya. Ukuya kwinqanaba elikhulu okanye elincinci kwaye iya kuba yiyo eya kuthi igqibe ngamaxabiso abekwe ziimarike zezemali. Kunye oscillations ezinokuba namandla kakhulu ngenxa yenqanaba lemveliso kunye nokusetyenziswa. Ukuba ungayisebenzisa ngokunenzuzo ukwenza imisebenzi kwaye ufumane inzuzo enkulu kwimisebenzi oza kuyenza ukusukela ngoku.
Ewe kunjalo, lolunye utyalo-mali kodwa olungaxolelwanga kwimilinganiselo yenzuzo ephezulu. Isitshixo siya kulala ngokwazi Khetha ixesha lokungena kwaye ukuba ungahamba ngexesha elifanelekileyo. Ukuze ngale ndlela, umvuzo wakho wanelise kunesiqhelo. Ngaphezulu kwenkqubela phambili eyenziwe kwiimarike eziqhelekileyo zokulingana. Ukuze ube ukwimeko yokwandisa yonke imisebenzi yakho ukusuka kumzuzu wokuqala.
Ezi ziimveliso ezaziwa ngabantu bonke kwaye ezingaphucukanga njengezinye. Ukusuka kolu luvo, uya kuba nokhuseleko olupheleleyo lokwazi ukuba uyityala phi imali yakho. Ngaphandle kwalo naluphi na udidi kwindawo ekuhanjwa kuyo yimali yakho kwaye oko kunokukukhokelela ekubeni ube ngaphantsi kweemeko ezingafunekiyo. Njengoko kwenzekile kwiminyaka yakutshanje ngento ebizwa njalo iimveliso eziyityhefu zemali. Ewe akunjalo, nangona umngcipheko wokuba imisebenzi ekhethekileyo ibandakanya.
Ukungancedi kolutyalomali
Izinto zokwenza imveliso, kwelinye icala, zivelisa uthotho lomonakalo ekufuneka uyazi ukusuka ngalo mzuzu. Ukuze ukhuseleke ngakumbi kuyo yonke imisebenzi oza kuyenza ukusukela ngoku. Ezi zezinye zezona zichaphazelekayo.
- Bafuna ifayile ye- ukuntsokotha okukhulu ethathwe kwezona mpawu zezi zinto zivelisiweyo. Ewe akufani nokuthenga kunye nokuthengisa izabelo kwimarike yemasheya. Endaweni yoko, ilawulwa ngoomatshini abahluke kakhulu. Kungangcono okanye kubi, ukuba kwahlukile.
- Banga ukuba une uqeqesho olufanelekileyo ngakumbi ngaphezu kwezinye ii-asethi eziyimali. Ukuba awuhlangabezani nale mfuno ibalulekileyo, kungangcono ukhethe olunye udidi lotyalo-mali osele uqhele ukusebenza kulo. Olu tyalo-mali alufanelekanga ukuba uhambe ukuba awazi ukuba banjani oomatshini balo.
- Ezi zinto zivelisiweyo zithengiswa ngexabiso malunga Iimarike ezithile zezemali kwaye akusoloko kulula ukusebenza ngezi ndlela zimbi kutyalo-mali. Nokuba uhlengahlengisa ukungena kunye nokuphuma kwamaxabiso ezikhundla zezi mveliso.
Akucetyiswa kakhulu ukuba wabele imali eninzi kolu tyalo-mali. Kodwa ngokuchaseneyo ubuncinci benxalenye buya kwanela ukusuka ngokufanayo. Ngale ndlela, uya kuzinika ukhuseleko olusebenzayo ngakumbi kwimisebenzi eyenziweyo. Kungenxa yokuba xa kukho into eqhelekileyo kwezi mpahla zezezimali, kukungazinzi kumaxabiso abo. Ngaphandle kwezinye izinto zobuchwephesha ezinokuchaphazela ukubekwa kweliso kolu hlobo lotyalo-mali. Into engenzekiyo kwezinye iimveliso zezemali.