Isalathiso sokulingana sikazwelonke, i-Ibex 35, ivaliwe kwiveki ephelileyo ngokunyuka kwe-0,50%, ekhokelele kumaxabiso ayo sele ekumazinga aphezulu kakhulu. kufutshane namanqaku angama-9.400. Ukhetho lwaseSpain luvala iiveki ezine zilandelelana ekunyukeni kwaye phantse kwelona liphezulu ukusukela ngoJulayi wonyaka ophelileyo. Le yeyona datha intle kwiimarike ze-equity ukusukela ngehlobo elidlulileyo. Le nyani ikhuthaze abatyali mali abancinci nabasakhulayo ukuba baphinde bazimise kwakhona ngenjongo yokonga imali yabo.
Kodwa isenokuba ngumgibe wokuba iimarike zezemali zikulungele ukubambisa inani elifanelekileyo labasebenzisi. Kungenxa yokuba kuyothusa ukuba oku kunyuka kwenzeke ngokudodobala kwezoqoqosho okwenziwayo kwaye sele kubetha uqoqosho olunamandla lwaseJamani. Xa singekhe silibale ukuba okwenziwa yimarike yemasheya kukulindela imeko yexesha elizayo, njengoko kwenzekile kumashumi eminyaka akutshanje kwaye ingakumbi kwingxaki yezoqoqosho yonyaka wama-2008. kwiimarike.
Kwelinye icala, kufanele ukuba kuqatshelwe ukuba elinye lamaqhosha okwahlulahlula into enokuba yinto ethe kratya kwindlela esezantsi kwinqanaba le-9.000. Oko kukuthi, kufutshane kakhulu kumaxabiso akhoyo kwaye ke kungagqithwa ngalo naliphi na ixesha. Ngokwenyani oku kuthetha ukuba sijamelene namanqanaba aethe-ethe kakhulu kwaye angenako ukusixelela okuninzi malunga nethemba lentengiso yesitokhwe sikazwelonke kwiinyanga ezizayo. Ukubaleka umngcipheko omkhulu esijamelene nawo a Umgibe othembeke kakhulu oko kunokusigcina sibambekile kwizikhundla ixesha elide.
Iya kufumaneka njani into yokufaka okungalunganga?
Ngokukodwa kuba kungekudala okanye kamva i-Ibex 35 izakubuyela kwi-euro engaphantsi kwe-9.000. Ukuya kwinqanaba lokuba ukuba bekunjalo, injongo yokuqala ibiya kuba kumanqaku angama-8.300 lelokuba inqaku lifikelelwe kwingozi yangaphambili yemarike yemasheya. Kwaye ukuba ikwadlulwa, inokujoliswa kumanqaku ayi-7.800 indawo ekubhekiswa kuyo xa kubanjwa ireferendamu yaseBrexit eGreat Britain. Ngamanye amagama, elinye lawona manqanaba asezantsi kwimbali yesalathiso esikhethiweyo sokulingana kweSpain kule minyaka idlulileyo. Ewe kunjalo, le meko ayinakugxothwa.
Ngelixa kwelinye icala, ukuba nje ihlala ngaphezulu kwamanqaku angama-9.000, iya kuba lithemba lokuba imarike yesitokhwe sikazwelonke ingaqhubeka ngokwenyukayo, nangona inohambo olufutshane kakhulu nolulinganiselweyo. Ukuza kuthi ga kwinqanaba lokuba uninzi lwezindululo akuncedisi ngenene ukuvula izikhundla. Kuba kulula ngakumbi kuthi ukuba sibe nezinto ezingalindelekanga ezimbi kunokuba nathi sibe nembuyekezo eyaneleyo kwipotfoliyo yethu yotyalo-mali. Kuya kuba njalo inqanaba lokubukela ngabo bonke abatyali mali abancinci nabaphakathi ukusukela ngoku.
Kuza kwenzeka ntoni ngezantsi kwama-9.000?
Okwangoku apho le meko ingafunekiyo ngabatyali-mali isenzeka, kuya kunikwa uthotho lweempawu zokuba ungazichonga ngendlela elula nelula. Ngale ndlela, ezinye zazo zezi zilandelayo: ukudilizwa kwale nkxaso ibalulekileyo ngevolumu yokurhweba ephezulu kunakwamanye amaxesha onyaka. Kwelinye icala, kuya kufuneka shiya isihluzi Ukuqinisekisa imeko entsha kwaye iya kuba phakathi kwe-2% kunye ne-3% ngaphezulu kwenqanaba lomsebenzi. Ngale ndlela, ii-alamu ezingezizo ezinokulimaza iindlela zethu zotyalo-mali ziya kuthintelwa.
Kukwabaluleke kakhulu ukuba ezi ntshukumo zivunywe zezinye ii-indices zesitokhwe kwindawo esihlala kuyo. Ukuba zinika ubunyani obupheleleyo ekonakaleni kwe-Ibex 35. Kuya kufuneka uyazi ukuba awunyanzelekanga ukuba ube ngqongqo kakhulu ekusebenziseni amanqanaba akhethiweyo. Ukuba akunjalo, ngokuchaseneyo, kuya kufuneka gcina ubhetyebhetye nangona kungaphakathi kwemida efunekayo kolu hlobo lomsebenzi. Apho abatyali mali abancinci nabaphakathi abafunda bhetele banokutolika ngcono oku kwahluka kwiimarike zezabelo. Ngokukodwa, ngeyona njongo iphambili yokuhlengahlengisa izikhundla ngaphambi kokuhla okutsha nokubonakalayo kokucwangciswa kwamaxabiso.
Ukuvalwa okungalunganga kweveki nganye
Enye indlela esetyenzisiweyo yokwazi le meko kukujonga ukuvalwa kweeveki zokugqibela okanye iinyanga. Banokunika uthsuphe omncinci malunga nokuba yeyiphi ezakuba yiyo ziphatha yesalathiso sesitokhwe kwiintsuku ezizayo. Kuba, eneneni, enye imikhondo esinokuba nayo kukuba ukuvalwa kweveki nganye kulungile. Ubuncinci iiveki ezimbalwa kwaye iya kuba luphawu lokuba ukuphakama kunokufezekiswa ngamaxabiso aphezulu kwaye nokuba i-Ibex 35 inokuya kumanqanaba abalulekileyo kumanqaku ayi-9.800 kwaye sele ikude kude nendawo yokuqhekeka echaphazelekayo. abatyali mali abancinci nabaphakathi kule mihla.
Ngelixa kwelinye icala, ukuphucuka kwexabiso leveki kuya kuthetha ukuba sinokujonga ngokuthembela ngakumbi kwiimarike zezabelo ukusukela ngoku. Ngamafutshane, sisicwangciso-qhinga sotyalo-mali esihlala silandelwa ngokubanzi ngabatyali zimali ngokufunda ngakumbi kolu hlobo lwemisebenzi. Phakathi kwezinye izizathu kuba ukuthembeka kwayo kunokuthathwa njengokuphakame kakhulu kuzo zonke iindawo zokujonga. Ngamathuba amakhulu okuba sibe neenzuzo ezinkulu kwimisebenzi nganye eyenziweyo kwiimarike zezemali.
Iimpawu zokunyuka kobuxoki
Okona kubi kuko konke ekugqibeleni yayikukunyuka okungeyonyani kwaye ingekuko kutshintsho lwendlela. Umqondiso wokuqonda le meko incinci unqwenelwa ngabatyali mali abancinci nabaphakathi kukuba a buyela umva ngamandla amakhulu ethatha ixabiso lezabelo ezingaphantsi kwamanqanaba ee-9.000 ze-euro. Ngeli xesha sinenjongo yokuhlala ixesha elide, kwaye yintoni ebi kakhulu kwimidla yethu, ukwenza nzulu ilahleko ukusukela ngoku. Ngenxa yoko, akusayi kubakho mida ekuweni ngenxa yokuba uxinzelelo lokuthengisa luya kuba namandla kakhulu kumthengi.
Elinye iqhinga lokuchonga ezi ntshukumo kukubonisa indlela amaxabiso amakhulu esalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35, inkxaso enkulu ishiyekile ekucwangcisweni kwamaxabiso akho. Ukuya kwinqanaba lokuba kwiimeko ezininzi bafikelela kubuncinci bonyaka ngesixa esomeleleyo seekhontrakthi ezitsala ingqalelo enkulu kubarhwebi abathengisayo. Njengophawu olucacileyo lokuba kukho into enzima kakhulu eyenzekayo kubo kumaxabiso abo emarike yemasheya. Ukuba yinkqubo elula kakhulu kwaye elula ukuyenza kwaye isesandleni sakhe nawuphi na umtyali mali omncinci nophakathi.
Ikhatshwa zezinye iimarike
Kuyo nayiphi na imeko, ukuze ibe sisilumkiso esingeyonyani kwi-Ibex 35, ngekhe ibekho enye indlela enokuthi olu hlobo lwentshukumo lube nesalathiso sezinye ii-indices kwindawo ekufutshane kakhulu kuthi. Njengomzekelo, kwifayile ye- IsiFrentshi, isiJamani okanye i-US equities. Ke ngale ndlela sinokucaca kancinci ukusukela ngoku ukuba yonke into ibe ngumgibe kuthi wokungena kwimarike yemasheya. Le yinto eqhelekileyo eyenzekayo kwaye into ekufuneka sizamile ayikuthathi cala kolu hlobo lweentshukumo ezizodwa eziyilwe zizandla ezomeleleyo zeemarike zezemali. Kufuneka ziphetshwe ngandlela zonke ukhuseleko lwethu.
Ukongeza, asinakulibala ukuba ngoku sikwixesha lokuthatha isigqibo malunga nento enokwenzeka kwiimarike zezabelo. Kungenxa yokuba inokuhamba ngendlela enye okanye enye kwaye imali isemngciphekweni wokuthatha kancinci ezi ndlela zokutyala. Kuba ngelixa unokufumana imali eninzi ekusebenzeni, ungashiya ii-euro ezininzi apha endleleni. Apho, abatyali mali lelinye lawona macandelo achaphazeleka kakhulu kukungazinzi kweemarike zezabelo kulo mzuzu kanye. Nantoni na ingenzeka kwaye ngale ndlela kufuneka sazi ngayo nayiphi na imeko enokuthi ivele kwimarike yemasheya. Ngokuhamba ngokuzikhusela ngakumbi kunesiqhelo kwezi meko.
Okokugqibela, khankanya ukuba kufuneka siyiqonde kakuhle into enokwenzeka kunye neenkxaso kunye nokuchasana kuba baya kusinika isikhokelo kwinto ekufuneka siyenzile. Nokuba kuvulekile izikhundla kwiimarike ze-equity okanye, ngokuchaseneyo, ulibale malunga nemarike yemasheya yexesha elingaphezulu okanye elingaphantsi. Ngenjongo yokuzilungiselela oko kunokwenzeka kwiinyanga ezizayo, leyo, emva kwayo yonke loo nto, yenye yeenjongo zethu zotyalo-mali. Ukuzikhusela kwiintshukumo ezingafunekiyo kwiminqweno yethu kwiinzame zokwenza olona londolozo.