Kubonakala ngathi inqanaba lamanqaku ayi-6.100 linokusebenza njengomhlaba kwisalathiso sezinto zokulingana kwilizwe lethu, i-Ibex 35. Ngokukodwa, emva kwenaliti yokuhlawula amatyala KwiBhanki ePhambili yeYurophu (ECB). Apho phantsi kwegama leNkqubo yokuThengwa okungxamisekileyo kwesi sifo (inkqubo yokuthenga ngokungxamisekileyo, ngesiNgesi) i-ECB yongeza iphakheji enkulu kwi-120.000 yezigidi zeerandi ebhengezwe ngoLwesine odlulileyo. Okwangoku, kubonakala ngathi kuyahlawulwa ngamaxesha ezemali, ngoxabiso kwiimarike zamasheya kwihlabathi liphela nge-2%.
Inkqubo yokuthenga imeko engxamisekileyo ibonakala, okwangoku, izolisile imimoya yabatyali. Nangona kuya kufuneka siyithathe sodwa de kudlule iiseshoni ezimbalwa zokurhweba kwaye zibone iziphumo zayo zokwenyani. Apho kude kube kutshanje kubonwe ukuba iimarike zokulingana zaphulwa kuzo zonke iindawo zokujonga. Akukho mida kwinzala kwaye bonke abahlalutyi bezemali bade babona i-Ibex 35 ingaphantsi kwenqanaba lama-5.000.
Nokuba imeko ithini, into ecacileyo yeyokuba izicwangciso zotyalo-mali kuya kufuneka zahlulwe ngabatyali zimali abancinci nabaphakathi. Apho zonke ezi nkqubo ziya khona ixesha elide lokuhlala. Ngale ndlela, abona bantu bachaphazeleka kule meko intsha ngabasebenzisi bexesha elifutshane abaya kuthi bahluke kwiinjongo zabo kutyalo-mali kwimarike yemasheya. Ngelixa kwelinye icala, ekuphela kwentuthuzelo abanayo aba bantu bezemali kukuba iimarike zezabelo ziye zafikelela emhlabeni emhlabeni ngokuwa kwabo okunamandla.
Ngaba amanqaku angama-6.100 aya kuchasa?
Eyona nto iphambili kutyalo-mali ikweli nqanaba lamaxabiso kwisalathiso semali eguqukayo kwilizwe lethu. Ukuba eli nqanaba limangalisayo alophulwanga kunokuthiwa isebenza njengomhlaba kule ngxaki yezempilo nezoqoqosho ukuba iplanethi iyasokola okwangoku. Ke ngoko, iya kuba lixesha lokwenza ukuthenga okokuqala kwiimarike zemali. Ukuthatha ithuba elinye lamaxabiso asezantsi esingenakucinga ngalo kwiiveki nje ezimbalwa ezidlulileyo. Njengomzekelo, iintshukumo ze Banco Santander ngaphantsi kwee-euro ezimbini kunye nokubonga okunokubakho phantse i-100%. Kwaye kunye neemeko ezifanayo nakwezinye iindawo ezikhuselekileyo ezenza i-Ibex 35.
Kwelinye icala, ukuba ekugqibeleni amanqaku angama-6.100 ayaxhathisa, iya kuba lixesha lokwakha iphothifoliyo enamandla yotyalo-mali kwixesha elide. Ngamaxabiso embali ukuba le meko iqale ngophazamiseko olubi intsholongwane ye-Corona. Ngokusebenzisa ibhegi yokonga ezinzileyo iminyaka eliqela ezayo. Kuba, enyanisweni, ngabahlalutyi bezemali abambalwa abacinga ukuba eli xabiso kwizabelo zigcinwa ngaphezulu kweminyaka. Banokuthatha ixesha ukuba bachache, kodwa akukho mathandabuzo ukuba amaxabiso abo kwiminyaka embalwa, amaxabiso ezokhuseleko aya kuba kwinqanaba eliphezulu kuneli langoku.
Umngcipheko wokuphulukana nenkxaso elandelayo
Ewe kunjalo, eyona nto inobungozi kwiimarike ze-equity kukuba umhlaba owenziwe kufutshane kakhulu namanqaku angama-6.000 wophulwe ukususela ngoku. Kungenxa yokuba kunokuba yimvelaphi yokoyikeka ngakumbi Ukuqhuma kwe-bearish ezinokuthatha isalathiso se-equity index nangaphantsi kwamanqaku ayi-5.000 XNUMX. Inqanaba elingazange libonwe ukusukela kwinkulungwane ephelileyo, kwaye yintoni le ithethwayo kwilizwe lemali. Ukuza kuthi ga kwinqanaba lokuba kuzakubakho ukopha lokwenyani kuqingqo-mali lweepotifoliyo zabo zotyalo-mali kwaye oko kungakhokelela ekurhwebeni kubasebenzisi babucala ukungabikho ncam ukusukela ngala mzuzu ukuya phambili.
Ngelixa kwelinye icala, kukho inyani yokuba yile meko yenziwe ngoku ukusukela ngoku, inokwenza i-odolo yamazwe aphesheya echaphazela icandelo lotyalo-mali kwaye ngakumbi ukuthengwa kunye nokuthengiswa kwezabelo engxoweni. Ngokwalo mbono, kufuneka siwuxhase umhlaba ekubonakala ukuba ubumbekile kwezi ntsuku kwaye usasebenza, kodwa awaziwa ngokuqinisekileyo ukuba uzokwazi na ukumelana nawo kwezi meko siphila kuzo. kwikota yokuqala yalo nyaka. Ukuza kuthi ga kwinqanaba lokuba lelinye lamanqanaba ekufuneka sigxile kuwo ukusuka kulo mzuzu kanye.
Izisombululo zemfazwe
Lilonke i-ECB iya kwiimarike kulo nyaka ukufumana ngaphezulu kwe-1,1 yeebhiliyoni zeerandi ezahlulwe phakathi kwetyala elizimeleyo kunye netyala lokudibana. Ngaphezulu kwe-1,3 yeebhiliyoni zeerandi ukuba uyongeza, ukongeza, ukuphinda kutyalwe iibhondi osele unazo kwipotifoliyo yakho, kodwa efikelela ekukhuleni kwabo. Umlinganiso owawungenakucingeleka kwaphela kwiinyanga ezimbalwa ezidlulileyo kwaye uqinisekisiwe ziingxelo zikamongameli waseJamani, u-Angela Merkel. Apho athe ilizwe lakhe alibonanga meko inye ukusukela ngeMfazwe yesibini (II) yeHlabathi. Kwaye ngenxa yesi sizathu, intloko yeBhanki eNkulu yaseYurophu ibhengeze ukuba "iBhunga loLawulo likulungele ngokupheleleyo ukwandisa ubungakanani benkqubo yokuthengwa kwetyala kunye nokwenziwa kwayo, njengoko kufanelekile kwaye kude kube leloxesha lifuneka ngalo."
Akufanele ulibale ukuba ubudlelwane bamanye amazwe bunokutshintsha kwimeko entsha ethe yavela ekungeneni kwale ntsholongwane ihlasela kakhulu. Apho kukho icandelo elinokuthi liphume kakubi, njengemizila yeenqwelo moya, ezinye zazo ezonakeleyo ngaphandle kokuba zifumana uncedo lukarhulumente. Njengakwimeko ye IAG eye yarhweba kakhulu kufutshane ne-euro ezingama-8 kwisabelo ngasinye ukuya ngaphantsi kwee-euro ezimbini. Ngotshintsho olupheleleyo kwindlela yokuwabona la maxabiso, kwanexesha lokubuyiselwa kwezoqoqosho. Ewe izikhundla akufuneki zivulwe nangona zibonakala ngathi zithengisa ngamaxabiso entengo. Kodwa ayisiyonyani into yokuba iiakhawunti zabo zeshishini zibonisa emva kwesi siganeko sibuhlungu esichaphazele sonke abasebenzisi beemarike zezabelo.
Ilahleko ezinkulu kubatyali mali
Kananjalo asinakulibala ukuba i Indawo yokuGcinaYena, phakathi kwezinye iibhanki eziphambili, sele ebhengeze ukufunyanwa kolu hlobo lweasethi, emarike yakhe inkulu kakhulu eMelika. Ngenxa yokuba iimpembelelo azizukulinganiselwa kuphela kwi-ambiro yelizwekazi elidala, kodwa iya kuba yintshukumo yehlabathi eya kuthi ekupheleni kosuku isichaphazele sonke, ngaphandle kokukhutshelwa kwalo naluphi na uhlobo. Kwaye oko kuya kuchaphazela ubudlelwane bethu kunye neemarike zokulingana zelizwe lethu. Kwelinye icala, akukho nto inyanisekileyo yinyani yabatyali mali abancinci naphakathi abalahle izikhundla zabo kwaye baphulukana nenxalenye ebaluleke kakhulu yemali abayifumene.
Kungenxa yokuba esiphelweni sosuku kukuqhekeka ngokupheleleyo kwintengiso yesitokhwe. Yiyo ke le ndlela abahlalutyi bezemali abachaza ngayo imeko yangoku yeemarike zezabelo. kwaye ngenxa yoko kufuneka inike iimpendulo ezizodwa ezingafane zenzeke kwiimeko eziqhelekileyo. Kuba ayinakulityalwa ukuba imali eninzi isemngciphekweni kwaye kulo mba, onke amanyathelo anokubakho kufuneka athathelwe ingqalelo ukunciphisa umda welahleko yangoku yotyalo-mali olunyanzeliswa sithi.
Yintoni utyalomali lwexesha elide?
Utyalomali lwexesha elide lolunye, oludlulisa, ubuncinci, ixesha elingaphezulu kweenyanga ezili-12, nangona iimeko ezininzi zihlala zisiba nde. Kujikeleze ubuncinci beminyaka emibini okanye emithathu kwaye kumatyala kugqithisiwe kude njengoko kusenzeka kubatyali mali abadala. Akuyi kubakho khetho ngaphandle kokucinga ngala maxesha okugcina ukufumana imbuyekezo ephezulu kunye neephothifoliyo yakho. Injongo kukuqalisa ukonga ngomgama omde ukulahla umvuzo emva kweminyaka, umzekelo, umhlala-phantsi, njengoko abanye abatyali mali besenza njengothatho-mali lwabo lomhlala-phantsi.
Kuya kufuneka sivavanye umngcipheko wokushiya kule miqathango isigxina. Ngayiphi na imeko, kubalulekile ukuba uqwalasele ekugqibeleni ukuba zeziphi ezona zinto zibalulekileyo kwipotifoliyo yexesha elide. Ewe, kule ngqiqo, iprofayili yabo yeyabo bantu banokumelana nokungazinzi kwintengiso. Ukusuka kule ndawo yokujonga, olu didi lwabatyali mali kufuneka luhlangabezane neemfuno ezithile kwaye nakweyiphi na imeko ibe sengqiqweni kwaye icetyiswe ngalo lonke ixesha yingcali kolu didi lweeasethi zezemali kwaye iphendule kwiimfuno zayo zokuhlawula amatyala ngexesha elithile njengangoku .