Ewe kunjalo, omnye wemibuzo efanelekileyo oza kuzibuza yona ngalo mzuzu kukuba ingaba akhona na amathuba okungena kwimarike yemasheya iindawo ezivulekileyo. Ngenxa yokonyuka okuveliswe kwiimarike ze-equity kwihlabathi liphela. Kwaye oko kukhokelele kumgangatho waseSpain, i Ibex 35, Ukucofa amanqanaba akwiindawo ezili-10.500 XNUMX. Emva kwexesha elide bengasondelanga kubo.
Kuba ngokuqinisekileyo eyona ngxaki iphambili ozibuza yona ukusukela ngoku yile Ufike emva kwexesha kwezona zinto zinenzuzo. Ngamanye amagama, ukulungiswa okuthile kokubaluleka okukhethekileyo kunokuphuhliswa okunokuthi kubeke emngciphekweni imali etyalwe. Kungumngcipheko oya kuzama ukunqanda ngaphezulu kwezinye izinto ekuqwalaselweni kwezicwangciso zakho zotyalo-mali. Ayothusi into yokuba yenye yeengozi ezingena ngokungena kancinci okanye kancinci kwimarike yemasheya. Ukuya kwinqanaba lokuba ungashiya i-euro eninzi endleleni.
Nokuba yeyiphi indlela, uya kuba namathuba amaninzi okuphucula izikhundla zakho kwizabelo. Abanye babo bevela iindlela ezizinzileyo Kwaye baya kufuna umngcipheko omncinci kuwe. Kodwa abanye kwizicwangciso ezibandakanya inkxalabo enkulu ekuziphatheni okunesibindi njengesiphumo sephrofayili yotyalomali oyivezayo ngalo lonke ixesha. Ukuya kwinqanaba lokuba ungangenisa ezinye zazo ukuzama ukuphucula ibhalansi yeakhawunti yakho yokonga. Ngaba unesibindi ngaso nasiphi na isindululo esisicebisa ngezantsi?
Amathuba angcono
Ukufumana ezona zilungileyo kuzo, awunakulibala inyani eya kuthi ibaluleke kakhulu kuwe. Kungenxa yokuba eneneni, ixesha elide kwimarike yesitokhwe yaseYurophu iqhuba ngcono kuneyaseMelika. Mhlawumbi ukujonga iifayile ze ezizezinye iindlela zokutyala imali Kwizabelo, akukho mfuneko yokuba uye kude kakhulu ukukhuthaza uthotho lokuthenga okukhethiweyo nakweyiphi na kwezi ntengiso zesitokhwe. Apho, ewe, akufuneki ukuba ilahleke phantsi kwazo naziphi na iimeko elinye ixabiso lentengiso yesizwe
Ngokukodwa umlinganiso, Ibex 35, ibonelela ngezindululo ezininzi kunokuba ubuqikelele kwasekuqaleni. Kuba, ewe, nakwezona meko zingathandekiyo unokuba namathuba okwenene eshishini. Ukuya kwinqanaba lokuba banokuphakanyiswa ngaphezulu kweepesenti eziqhelekileyo. Apho banokukunika khona ekunikeni ukumangaliswa okungaphezulu kwesinye kwezi zihlandlo. Ungayilibali kuba inokukunceda ngokuphawulekayo kwaye yintoni engcono, ngaphandle kokuba nethuba lokuyihlengahlengisa kwiiakhawunti zakho.
Ngawaphi amacandelo anokuhamba ngakumbi?
Ngaphakathi kwii-equity zaseSpain kukho uthotho lwamaxabiso abuthathaka ngakumbi okuphuhlisa ezi ntshukumo. Kuqala, zivela kwiinkampani ezidwelisiweyo ekulula ukuvelisa ukuhamba kwemali. Kwaye bacaphula ngamaxabiso abonisa ukucebisa kakhulu ukuze unyuse i-radar yakho ukuze wenze izinto zokuqala ozikhethileyo. Ngale ngqiqo, siza kuphakamisa ezinye zezona zinto zinika umdla. Ngokuthengwa kwezabelo kwiinkampani ezinje Inditex, Amadeus okanye i-ACS. Umngcipheko awuninzi kwaye endaweni yoko inzuzo inokuba nomdla kakhulu ngeli xesha.
Enye indlela ivela kwelona candelo libuthathaka ukukhula koqoqosho. Ke ngoko, ipotifoliyo elandelayo yotyalo-mali mayingaphoswa ngamacandelo afanelekileyo kwimarike yaseSpain njengeebhanki, iinkampani ezithengisa izindlu nomhlaba kunye nabakhweli beebhayisikile zabathengi ngokubanzi. Akumangalisi ukuba ujongene nezitokhwe ezinokubanakho ukubuyela kwimeko yesiqhelo kuba iziphumo zabo zeshishini zingangcono kakhulu kunokuba bekulindelwe kule kota. Ngokumangalisa ngaphezu kwesinye kwiinyanga ezimbalwa ezizayo.
Into ethandwayo yokuthenga?
Imeko yenye yeebhanki ezinkulu zaseSpain kusaxoxwa ngayo ngoku Ukunyuswa kwemali eyinkunzi okanye intsebenziswano. Esi sisigqibo esiza kwenziwa kwezi veki zizayo, nangona kungaziwa ngokuqinisekileyo ukuba ngubani oza kuthatha isigqibo sokugqibela. Kodwa nakweyiphi na imeko iya kwaziwa kwakamsinya ukuze ukwazi ukusebenzisa isigqibo sakho ngokukuko kwaye ngale ndlela ukwimeko engcono yokwenza ulondolozo lwakho lube nenzuzo kunye neziqinisekiso ezinkulu zempumelelo. Yile nto yinxalenye yabatyali mali abancinci nabaphakathi abayilindeleyo ubuncinci. Kwelinye lamaxabiso ashushu ngalo mzuzu. Nangona kunjalo ukusuka kwinqanaba elibi lokujonga. Ubuncinci ngalo mzuzu.
Akunakulityalwa ukuba kubahlalutyi abaninzi beemarike zezemali, kubalulekile ngaphezu kokuba kusitsho namhlanje kwimarike yemasheya, nokuba ifuna ukunyuswa kwemali eyinkunzi. Ukuya kuthi ga kwinqanaba lokuba le mithombo minye ibhekisa kwinto yokuba ixabiso langoku alibonisi kuqingqo-maxabiso. Njengomphumo wolu hlalutyo, ngoku iya kuba lithuba lokuthenga lokwenza ukuvulwa kweentshukumo kunenzuzo. Ubuncinci kwixesha eliphakathi nelide, njengoko kunokuba nohambo olubalulekileyo ngaphambili. Ngaphezulu kokuboniswa zezinye izindululo zeemarike zentengiso, nokuba zibaluleke ngokukodwa.
Ngaba lixesha lokungena kwiibhanki?
Ewe kunjalo, kukho inani leebhanki ezinokuba yinto oyisebenzisayo. Ngokukodwa ngenxa yokuba bamele amathuba oshishino okuvelisa inzuzo eyinkunzi kwingxelo yakho yengeniso. Sisigqibo sobulumko kakhulu kuba inani elikhulu labahlalutyi bezemali lijonga ukuba la maxabiso asenendlela yokuya phezulu. Ngenkuthazo, kwezinye iimeko, banikezela ngomtsalane isivuno sesahlulo enokufikelela kwi-5%.
Ngayiphi na imeko, le mithombo minye iyavuma ukuba icandelo lilonke lithengisa ngaphantsi kwexabiso lencwadi ngalo mzuzu. Ngenzuzo eyongeziweyo ukuba umgaqo-nkqubo wezemali uya kutshintsha nangaliphi na ixesha kwaye unokubonakaliswa kwingxelo yengeniso yebhanki. Kude kube iya kuphucula imida yakho yorhwebo ukuze ngale ndlela ibonakale kwixabiso lezabelo zalo. Ukusuka kule meko, iibhanki lelinye lamathuba okuthenga kwiinyanga ezizayo. Nokuba umngcipheko usezantsi kunamanye amacandelo ezemali.
Amaxabiso anomtsalane kwizindlu nomhlaba
Elinye lamacandelo eshishini elinokuthi lingabikho kwipotifoliyo yakho yotyalo-mali lelo lihambelana nezitena. Ukuba ukuphinda kusebenze kwakhona kunokuba yindawo yokungena yokwenza ukonga kunenzuzo. Kuba ngenene, akufuneki silibale ukuba icandelo lezindlu kunye nomhlaba lihambelana kakhulu nenqanaba lokukhula koqoqosho eSpain. Kwaye kule ngqiqo, idatha kwiMveliso ePheleleyo yaseKhaya (i-GDP) yeekota zokugqibela bonisa ukuba inyukela ngaphezulu kwe-3%. Kule meko, kubonakala kusengqiqweni ukubheja kwenye yezi nkampani.
Awungekhe ulibale ukuba ezinye zeenkampani ngoku zithengisa ngezantsi kwamaxabiso axabisekileyo. Kodwa okubaluleke ngakumbi, njengoko iingcali zisitsho, okwangoku azibonisi ukubuyiswa kweemarike kwaye zingaphantsi kokulindelweyo kuboniswe ziinkampani zaseYurophu kwicandelo. Ukusuka kule meko, ngekhe kumangalise ukuba kwiinyanga ezizayo baya kunika utsalo olutsha phezulu kwikoteyishini yamaxabiso abo. Ngokukodwa ukuba iimeko zentengiso ziyahamba. Ukuza kuthi ga ngoku azibonisi ngokupheleleyo izinto ezisisiseko eziphucula ikota ngekota. Kwiimeko ezininzi, ziboniswa kwixabiso lexabiso labo lokwenyani.
Iintshukumo zamva nje kwimarike yemasheya
Kuya kuba yimfuneko ukuba uthathe ithuba lokuhamba okwenziwa ngamaxabiso athile emarike yaseSpain eqhubekayo. Enye yazo ibhekisa ekusebenzeni kwezenzo ze Ukutya. Ukohlwaywa kanobom ngenxa yokuhamba kweBritane kwi-European Union. Akumangalisi ukuba nangawuphi na umzuzu uya kubuyela kwindlela ephezulu yeminyaka yakhe elungileyo kwii-equities.
Ngaphakathi kweli qela lahlukileyo, ukuvela kwezabelo zeLiberbank nako kuyabonakala. Ayothusi into yokuba lelinye lamaqela ezemali eliye lazuza kakhulu kwezona ukulungelelaniswa komjikelo wenqanaba lenzala. Ngaphezulu kwebhanki enkulu naphakathi. Nangona kukonyuka okusoloko kumiselwe njengelinye lamaxabiso kunye nolwazelelo olukhulu kwicala labahlalutyi bezemali. Kodwa bayasusa ngokuvakalayo, njengoko kulindelwe ngabatyali mali abancinci nabaphakathi.
Imigaqo emayilandelwe kwintengiso
Ukuba ufuna ukwandisa imisebenzi yakho ye-equity, awuzukukhetha kodwa ukukhuthaza uthotho lwezenzo eziluncedo kakhulu kwimidla yakho. Ngedinomineyitha efanayo kuwo onke amatyala, kwaye ayisiyongondo leyo ngaphandle kokugcina ikapitali yakho ngaphezulu kwezinye izinto ezingafanelekanga.
- Imalunga unemali ethile ukusebenzisa amathuba oshishino ngokuqinisekileyo aya kukunika wona.
- Kuya kucetyiswa kakhulu ukuba uncike kumaxabiso urhwebo ngezaphulelo ezibalulekileyo malunga namaxabiso abo. Okanye ubuncinci ezo kufuneka zixatyisiwe.
- Los amacandelo ejikelezayo baya kuba lelona thuba lokuphucula ukunyuka okuthe nkqo kwiimarike zezemali. Ngenxa yokukhula koqoqosho kwihlabathi liphela.
- Akunyanzelekanga ukuba uzikhawulele kwiimarike zesizwe, kodwa unako vulela kwezinye iindawo zamazwe aphesheya. Apho iimeko zobugcisa zikho ukuxhomekeka kwezi zindululo kwii-equities.
- Indlela entle yokuya esidlangalaleni yile ukuthatha ithuba lolungiso kwiimarike. Uya kuthenga ngexabiso elisezantsi kwaye unethuba elikhulu lokuxabisa.