Sikwiveki ephambili yezitokhwe kwihlabathi liphela, kodwa ngakumbi iSpanish, enokuthi ikhokelele kumgangatho ocacileyo wokuhla ixesha elifutshane, eliphakathi nelide. Emva kwesalathiso esikhethiweyo sezabelo zamazwe zikwimeko yokugqitha kwinkxaso ebalulekileyo esinayo kwii-euro ezingama-9.000. Kwinto emiselweyo njengemeko entsha yabatyali mali abancinci nabaphakathi.
Eli linqanaba lokuthatha isigqibo kangangokuba yiyo egqiba ukuba imeko yeenyanga ezizayo Ngaba iya kuba ye-bearish okanye ye-bullish. Esi sesinye sezona zizathu zibalulekileyo zokuba kufakwe uvalo kwiimarike zemali. Ngomxholo wentengiso yemasheya ekhathaza kakhulu kwaye engancedi ii-indices eziphambili zamanye amazwe ukoyisa lo mlo ukhona phakathi komthetho wonikezelo kunye nemfuno. Ukujongana nesiqingatha sesibini sonyaka esingakhange silunge kwaphela kwimidla yabatyali mali abancinci nabaphakathi.
Ngayiphi na imeko, akukho mathandabuzo ukuba kufanelekile ukuba ukulungele ukuziqhelanisa nale meko intsha inokuvela kwiimarike ze-equity ukusukela ngoku. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha bendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Kuba oko kusengozini akukho nto ingaphantsi uzinzo lwebhegi kwaye onokuyenza ngokusebenza ngakumbi ngaphandle kwempumelelo. Akumangalisi ukuba ivule ithuba lokuba kufuneka uvale zonke izikhundla ozivulekileyo kwiimarike ze-equity.
Unokwenza ntoni nge-Ibex 35?
Ukuba oku bekuya kuba sisiphelo semeko, akukho mathandabuzo ukuba kuya kufuneka utshintshe kakhulu isicwangciso-qhinga sakho sokutyala imali kula maxesha achanekileyo. Ngeyona njongo iphambili yokugcina imali yakho ngaphezulu kolunye uthotho lokuqwalaselwa. Akumangalisi ukuba ukuwa kweemarike zesitokhwe kuzwelonke nakwamanye amazwe kunokuba nzima kakhulu. Ukuya kwinqanaba lokuba isalathiso esikhethiweyo sezabelo zamazwe, i-Ibex 35, sinokufikelela kumanqaku ayi-8.000. Oko kukuthi, ukufikelela kumanqanaba xa Brexit kwaye iye yaba yenye yezona ziphantsi kule minyaka idlulileyo.
Kule meko ngokubanzi, isikhundla sakho asinakuba sinye ngaphandle kokulahla izikhundla zakho kwiimarike zezabelo. Nokuba yeyiphi na intengo yokungena kubo kwiinyanga ezidlulileyo. Phakathi kwezinye izizathu kuba uyabona ukwehla ngamandla kuqwalaselo lwamaxabiso ezabelo zakho. Ngelixa kwelinye icala, uya kuba nexesha lokuthenga izabelo ngamaxabiso okhuphiswano ngakumbi kwiinyanga ezizayo. Ngeli xesha, iphothifoliyo yakho inokubanakho ukuphinda ihlaziyeke kakhulu kunangoku.
Ngaba ndingathenga?
Esi sicwangciso-qhinga sotyalo-mali sichaphazela lonke ukhuseleko kunye namacandelo equities kuzwelonke. Akukho zithintelo zalo naluphi na uhlobo olukusa yenza isigqibo esahlukileyo. Ngale ndlela, abayi kuba nanto banokuyenza ngaphandle kokungabikho kwiimarike zezemali ixesha elide. Apho kuya kufuneka uye kwezinye iimveliso zemali ezizinzileyo ezivelisa ubuncinci inzuzo, nokuba incinci kangakanani. Kuba imalunga nokuphela kosuku kukuba ungashiyi ii-euro ezininzi endleleni ukusukela ngoku ukuya phambili.
Ngelixa elinye icandelo lingenakulibala nangaliphi na ixesha ukuba imarike yemasheya ibikhona bunzima bobukho bayo xa bambalwa abahlalutyi bezemali abayilindeleyo. Ukuza kuthi ga kwinqanaba lokuba baqikelele ukuqhubela phambili kwamanqaku e-Ibex 35 ukuya kuma-9.500 9.500 njengophawu lokulinganisa lonyaka kunye nokuba yintoni eyenze ukuba kucace ukunyuka, ubuncinci kujoliswe kwixesha elifutshane neliphakathi. Ngeli xesha, ukubuyela umva kwimeko yokufumana kwakhona, ngekhe kubekhona ukhetho ukuba isalathiso esikhethiweyo sezabelo zaseSpain sigqithe kwinqanaba elinamalungu angama-XNUMX XNUMX.
Chitha ihlobo kakuhle
Enye yeenjongo zakho ngeli hlobo liza kuqala kwiintsuku ezimbalwa kukuba nexesha elithe cwaka kakhulu lokujonga ukutyala imali kwimarike yemasheya. Ngamanye amagama, xa unikwe le meko intsha, kungangcono ukuba ungabikho kulo naluphi na uhlobo lomsebenzi kwiimarike zezabelo. Ayothusi into yokuba kufuneka ucinge ukuba kuninzi omele ukuphulukana nako kunokuhlawula ngoku. Ayivakali loo nto ukubeka emngciphekweni imali yakho ngokungeyomfuneko kwezi nyanga. Kungenxa yokuba unokuthatha isimanga esibi kakhulu ngengqondo yokuba inokunciphisa igalelo lakho lemali.
Kwelinye icala, hayi amaxabiso anokuphuma kulo mgibe we-bearish unokwenziwa kule mizuzu. Ngaphandle kwamaxabiso endalo yokuzikhusela okanye eyoyikisayo kuba ezinye zazo zazifakwe kumfanekiso we ukwanda ngokukhululekileyo kwaye ke ngoko banokuphuhlisa ukuwa kakhulu kwaye ilahleko yakho inokuba enkulu. Akukho zindlela zokupheka zobugqi zokujongana nale meko intsha ithiwe thaca kwiimarike zokulingana kuzwelonke. Akukho zicwangciso zokuphucula izikhundla zakho kwimarike yemasheya. Inkalo yobuchwephesha ye-Ibex 35 iyakhathaza kakhulu kwimidla yabatyali mali abancinci nabaphakathi.
Yintoni esinokuyenza?
Ujongene nale meko inene exhalabisayo, eyona nto unokuyenza ukusukela ngoku ukuya kwiimveliso zezemali eziza kuvelisa ubutyebi kunye nenqanaba lenzuzo kwiinyanga ezizayo. Ngale ndlela, ukhetho olulungileyo lunokumelwa ziimali eziqinisekisiweyo zotyalo-mali. Banikela nge inzala kufutshane ne-3% kwaye zinokusetyenziselwa ukwenza ibhegi yokonga ngakumbi okanye ezinzileyo yexesha eliphakathi nelide. Nokuba kwenzeka ntoni kwiimarike zezemali, ekuyiyo le nto iyiyo ngoku.
Enye yeemveliso onokuya kuzo ukusuka kulondolozo kukuya iidipozithi zebhanki yokwazisa. Oko kukuthi, ezo zinokuphucula inzuzo yazo xa kuthelekiswa neemodeli eziqhelekileyo. Ukufumana malunga neepesenti ezi-2 ngokuhlawula ngokusisigxina kunye nokuqinisekisa unyaka nonyaka oya kuthi ubonakale ekukhuleni kwezi mveliso zemali. Ngoncedo olongezelelekileyo lokuba ungababhalisela ixesha elifutshane kakhulu lokusisigxina, phakathi kweenyanga ezi-3 ukuya kwezi-9. Kwaye isebenza njengebhulorho de uphinde uqalise utyalomali lwakho kwakhona kwiimarike ze-equity.
Ubuyela nini kwimarike yemasheya?
Umbuzo wesigidi seedola obuzwe yinxalenye elungileyo yabatyali mali abancinci nabaphakathi. Isalathiso esihle kukuba icandelo lesibini lonyaka alilulungelanga kakhulu utyalo-mali kwimarike yemasheya. Ubuncinci kuya kufuneka linda de kube ziinyanga zokugqibela zonyaka ukubuyela kwezi asethi zemali kunye neziqinisekiso ezithile zempumelelo ekusebenzeni. Kuxhomekeke kwiindaba eziveliswa ngala maxesha. Ngelixa elinye icebo elilondolozayo kukupaka utyalo-mali kwimarike yemasheya ubuncinci iminyaka embalwa ngenxa yomngcipheko wokudodobala kwezoqoqosho kwihlabathi.
Ngelixa kwelinye icala, unako basebenzise amaxabiso asezantsi ukuba ziyilelwe ukuphuhlisa ipotifoliyo eqinileyo yotyalo-mali kwixesha eliphakathi kwaye ingakumbi ixesha elide. Nangona ngaxa lithile okanye ngolunye usuku ungaphulukana nemali kwimisebenzi yakho yeemarike zezabelo. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha bendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Ngale ndlela, iindlela zakho zotyalo-mali kufuneka zijolise, ngakumbi kwimeko engalunganga njengaleyo apho ii-equity zesizwe zikwisimo sokudlula inkxaso ebalulekileyo enayo kwi-9.000 euro.
Gcina izikhundla kunye nemali
Zonke izenzo zakho kufuneka zijolise kuzo khusela imali yakho Ngelixa le meko yokungazinzi okuninzi kwiimarike ze-equity, kokubini kuzwelonke nangaphandle kwemida yethu, kuhlala. Apho ubungozi bonyuke ngendlela ebaluleke kakhulu kwaye kungangakufanelekeli ukuvula izikhundla kwimarike yemasheya iinyanga ezininzi. Ubuncinci ngelixa i-Ibex 35 ingabuyiseli inqanaba lamanqaku ayi-9.500 olwahlulayo ngoku phakathi kophakamiso nolwezantsi. Akumangalisi ukuba awunanto ininzi onokuyizuza ngokuvula izikhundla ngokwamanqanaba exabiso akhoyo anikezelwe ziisitokhwe.
Okokugqibela, qaphela ukuba awunyanzelekanga ukuba uzilinganisele ekuthengiseni kwimarike yemasheya. Ukuba akunjalo, ngokuchaseneyo, unazo ezinye iimveliso zemali ukwenza ulondolozo lwakho lube nenzuzo. Nokuba kuthintelwe umngcipheko kwezi asethi zemali, oko kukuthi, emva kwayo yonke loo nto, yintoni ebandakanyekileyo kwiimeko ezinokuguquguquka njengale sihlangabezana nazo okwangoku. Kungalixesha lokuphinda uthathe isikhundla kwezinye zeemarike ezizezinye okwangoku. Njengomzekelo, leyo yezinto ekrwada ngakumbi ngakumbi leyo yegolide.