Kufuneka wenze ntoni xa imarike yemasheya iyehla?

Ewe kunjalo, lo nyaka awukho mhle kakhulu kwiimarike zesitokhwe, kungasathethwa ke ngale veki izakuphela. Ukwehla kweemarike zezimali kufakelwe ngamandla angaqhelekanga ngenxa yokuba uxinzelelo lokuthengisa inyanzelisa ngokucacileyo ekuthengeni. Zonke ii-indices zamazwe aphesheya azichanekanga kwaye zimbalwa kakhulu izitokhwe ezichasene nokushiya abatyali mali kwiimarike zezemali. Ngamafutshane, intengiso engacacanga yabasebenzisi abafuna ukwenza inzuzo ngokulondoloza ngesi sixhobo sokutyala imali.

Isalathiso esikhethiweyo sentengiso yemasheya yaseSpain, Ibex 35, ukuza kuthi ga ngoku kulo nyaka kushiywe ngaphezulu nje kwe-10%, ngelixa i-Eurostoxx 50 ikufutshane nexabiso le-9%. Ngeemida ezifanayo zezizikwere ezishiyekileyo zelizwekazi elidala esele zibone indawo ebaluleke kakhulu kwixabiso lesabelo sabo kwiintsuku nje ezimbalwa. Nangona eyona nto ixhalabisayo yenxalenye elungileyo yabatyali mali abancinci nabaphakathi ihlala kwinto yokuba iimarike zezemali bezikwimeko esezantsi, ubuncinci kwixesha elifutshane.

Nokuba yeyiphi na indlela, bonke abalahlekelwanga abatyali mali kwaye ukuba banqwenela ukufumana imbuyekezo kulondolozo lwabo, kungoku nje banazo ezinye iindlela zotyalo-mali ezinokusebenza kakhulu ekufezekiseni eyona minqweno yabo ikhawulezileyo. Kuxhomekeke kwiprofayili abayibonisa ngoku njengabatyali mali: ubundlongondlongo, ugcino okanye isikhundla esiphakathi. Kungenxa yokuba oku kungoku ngalo mzuzu kukumisa ilahleko yethu ipotfoliyo yezokhuseleko. Esiza kulandela yona kuthotho lwamacebo okusinda kule meko ye-marike ye-equity.

Intengiso yentengiso yehla: ukuhlawula amatyala

Esona sisiseko kwaye ngaxeshanye indawo elula kukuba ngaphandle kweemarike ngalo mzuzu kanye. Ayizukunceda kuphela ukukhusela imali eyinkunzi emiselwe ukutyala imali, kodwa ngokuchaseneyo iya kuba sisixhobo esinamandla sokuthatha ithuba mathuba o shishino ngaphandle kwamathandabuzo izakuvela nanini na. Nangona ukuwa kwiimarike zesitokhwe kuyinto yangoku enamandla, akukho mathandabuzo okuba kuya kuhlala kukho esinye isindululo semarike yemasheya esamkelayo ukuthengwa. Ngale ndlela, imarike yemasheya ihlala ikunika ithuba lokwenza ulondolozo ngempumelelo lube yinzuzo.

Ukuba ufuna ukufezekisa ezi njongo, akukho nto ingcono kunokuba uphume kwiimarike ze-equity ngoku. Kungenxa yokuba kukho into enye eqinisekileyo yokuba uza kuya phambili kwaye oko kukuthenga izabelo ngexabiso elinokhuphiswano olungaphezulu kunolo lubonelelwa ziinkampani ezidwelisiweyo ngoku. Ngale ndlela, akukho ngqiqweni ukwenza imisebenzi kwimarike yemasheya ngeli xesha xa usazi ukuba kwiinyanga ezimbalwa uya kuba nexabiso eliphantsi. Ngaphandle kwento yokuba kwiintsuku ezizayo ezilindelweyo Irally yeqela lekrisimesi.

Yiya kwimali engenayo esisigxina

Olunye ukhetho olunikezwe ziimarike zezemali kukutshintsha i-chip yotyalo-mali. Ukuziqhelanisa kuthetha ukuba akukho nto ingaphantsi kokutshintshiselana kwii-equities zengeniso esisigxina. Nangona oomatshini bayo bohluke kakhulu kuba ilawulwa zezinye iimodeli kutyalo-mali. Kodwa ubuncinci awuyi kuphulukana nemali kwaye uza kufumana i- inzuzo ezinzileyo kwaye iqinisekisiwe minyaka le, nangona kunqabile ukuba idlule kwi-1%. Kwelinye icala, inokusebenza njengotyalomali lwebhulorho kude kube kucace ukuba iimarike zezabelo. Ngoncedo lokuba awuyi kuba neendleko zoqoqosho kwisivumelwano sayo, njengomzekelo weedipozithi zebhanki zexesha elimisiweyo.

Olunye uncedo lolu khetho kukuba ngaphandle kwamathandabuzo uya kuziphepha iingxaki kwaye awuzukuba naxhala kwezi ntsuku malunga nokuvela kweemarike zezemali. Ikuvumela ukuphumla okuthile kwiintsuku zoxinzelelo oluphezulu ezinje ngezo zentengiso yeestokhwe ezifumana kwihlabathi liphela. Ngaphandle kwezinye izinto zobuchwephesha, siya kuyishiya inkcazo yakho ngelinye ixesha elifanelekileyo. Kwelinye icala, awungekhe ulibale ukuba olu didi lweemveliso zemali luya kuyiphucula inzuzo yabo kwiiveki ezizayo njengesiphumo sokunyuka kwenqanaba kwindawo ye-euro. Ngamanye amagama, iya kuba nomtsalane ngakumbi kubatyali mali abancinci nabaphakathi.

Thatha ithuba iimveliso eziguqukayo

Isicwangciso esiliqili ngakumbi kwezi ntsuku kukunikezela ikhontrakthi kwizinto ekuthiwa zibuyiswe umva. Oko kukuthi, abo bavelisa inzuzo ukuba iimarike zentengiso ziyehla, njengoko kusenzeka okwangoku. Ukongeza, ayisiyiyo enye kuphela imodeli yotyalo-mali ethi isebenzise olu phawu lukhethekileyo, kodwa ngokuchaseneyo zininzi kwaye ze Ubume obahlukeneyo, njengoko uza kubona ngezantsi. Nangona kunjalo, zinzima ngakumbi kuba zifuna ulwazi olunzulu ngeemarike kunye noomatshini babo botyalo-mali.

Eyona ilula kuzo zonke yile Ukubuyisela umva ingxowa mali Isicwangciso sabo esisekwe kwinto yokuba uza kufumana imali engakumbi njengoko ukuwa kweemarike zezemali kunzulu. Yinto elula leyo kwaye inokwenza ukuba ufumane imali engaphezulu kunokuba ucinga kwasekuqaleni. Nangona ngenxa yezizathu ezifanayo kukho imali eninzi onokuyishiya endleleni. Ngesi sizathu yenzelwe iprofayili ethile yotyalomali, apho ubundlongondlongo buyeyona nto iphambili kwezinye izinto.

Ezinye iimveliso zorhwebo phantsi

Ezi ngxowa-mali mutual ayisiso kuphela isizathu sokuba ukwazi ukusebenza kunye neemarike zestokhwe ezihla. Unayo ifayile ye- ukuthengiswa kwetyala kodwa okoko nje ugcine engqondweni ukuba yimveliso yezemali eneziphumo. Kwaye oku kuthetha ukuba mininzi imingcipheko oya kuthi uyithathe kunye nesi siphakamiso sentengiso kunye nezinto ezizodwa. Kodwa ngaphezu kwayo yonke into, qiniseka ukuba isabelo kwimarike yemasheya siza kuphuhlisa indawo echazwe kakuhle. Kungenxa yokuba ukuba akunjalo, iziphumo zinokuchaphazela umdla wakho.

Ezinye iimveliso ezibandakanya olu phawu kwiingxowa zezi: izibonelelo, kodwa kule meko ngomsindo omkhulu ukuba kunokwenzeka. Le nkqubo igcinelwe kuphela abatyali mali ababonelela ngamava ngakumbi kolu hlobo lwemisebenzi ethile kwaye abanokuphulukana nemali eninzi ukuba ulindelo alufezekiswanga ekugqibeleni. Into enokwenzeka ngokungathandabuzekiyo, nangona imeko yentengiso yesitokhwe icace gca okwangoku. Ngayiphi na imeko, yenye yeendlela ezizezinye ezinikezelwa ziimarike zemali ukuba zisebenze kunye nemarike yemasheya esihla.

Ukusuka kumaqonga earhente yokuthengisa izindlu nomhlaba

Uhlala unendawo yokugqibela onokuzama kuyo ekuthiwa zizinto ekuthiwa zezindlu ezikuvumela ukuba utyale imali kuzo naziphi na iiprojekthi. Yenye yeemodeli zotyalo-mali ezikhulayo ngalo mzuzu ngenxa yeempawu ezizodwa. Ngolu hlobo lotyalo-mali ungafumana imbuyekezo kulondolozo lwakho lwe phakathi kwe-6% kunye ne-10%. Nangona kuya kufuneka uthobele ixesha lokuhlala elinokongezwa ukuya kwiinyanga ezili-15 xa umsebenzi uphela. Kwelinye icala, kunenzuzo enkulu ukuba awuzukujongana nalo naluphi na uhlobo lweekhomishini okanye ezinye iindleko kulawulo lwayo.

Ngayiphi na imeko, unokukhetha phakathi kweeprojekthi ezininzi zokuthengiswa kwezindlu, ezinokuthi zibekwe kungekuphela kwijografi yesizwe, kodwa nakwamanye amazwe angabamelwane. Kuko konke, ukufezekisa lo mnqweno kutyalo-mali, awuzukukhetha ngaphandle kokukhetha iqonga lokuthengisa izindlu nomhlaba kunye neziqinisekiso ezipheleleyo kwaye ibhaliswe ngokuchanekileyo. Akumangalisi ukuba ukungenelela yenye yeentshaba ezinkulu zeli candelo eziqale ukukhula eSpain. Nangona okwangoku izindululo zotyalo-mali zichanekile kwaye zimbalwa kakhulu.

Igalelo elivela kwi-1.000 euro

Ngayiphi na imeko, unokuyiphepha inzuzo ephantsi enikezelwa ziimveliso zebhanki ngalo mzuzu. Ngaphandle kokucinga, kwelinye icala, umngcipheko ovela kwiimveliso ezivela kwii-equities. Nangona oku kuya kufuneka upake imali yakho kangangeenyanga ezininzi. Ngale fomathi yotyalo-mali unokwenza imali yokonga efikelelekayo kakhulu yazo zonke iipokotho. Ukusuka kwi-euro ezingama-1.000 XNUMX uya kuba nakho ukungena kula maqonga kwaye ubuninzi obuya kwahluka ngokuxhomekeka kwiimpawu zezi nkampani zintsha.

Enye indlela yokuqonda utyalomali kwaye kule meko akukho mngcipheko. Phakathi kwezinye, ukuba imbuyekezo yomsebenzi ekugqibeleni ayizizo ezo zazisungulwe ngaphambili kwaye zingawela ngamanqaku epesenti ambalwa ngokubhekisele kwisindululo sokuqala. Ungayichazanga eyokuba yimveliso engayi kukuvumela ukuba wenze ukhulula kwakhona, ungakhethi buso okanye uphelele, kodwa ngokuchaseneyo, kuya kufuneka ugcine utyalomali kude kube kukuvuthwa. Oko kukuthi, kude kube sekupheleni kokusebenza kweprojekthi yearhente yokuhlala. Le yimeko yakho ngokusisiseko yokufumana iikhontrakthi kwezi fomathi zotyalo-mali.