Ewe, iBrexit iphumelele, okanye yintoni enye, ukuphuma kweBritane kwi-European Union (EU). Kwaye ayingoyena mdala walapho okhumbula ukukhohliseka okukhulu kwimarike yemasheya. Isalathiso sesitokhwe saseSpain ngaphezulu kancinci kwi-12% ishiywe endleleni ngoLwesihlanu, ukuba sesona sikwere sibi kwilizwekazi elidala. Eminye isusela phakathi kwe-10% eshiywe zii-equity zase-France, kunye ne-3%, ngokumangalisayo, isiNgesi. Iseshoni yoloyiko lokwenene ongenakufane ululibale ixesha elide.
Ukujonga ubungakanani be Ukuwa kwemarike yemasheya, kufuneka ubonakalise ukuba kunjalo abaphezulu babhalisiwe okoko i-Ibex 35 ikhona. Nokuba uhlaselo lweTwin Towers eNew York, kunye nengxaki yezoqoqosho eyaqala ngokupheliswa kwe-Lehman Brothers, okanye nokuzama ukubuyela eRussia ekuqaleni kweminyaka yoo-90 khange kukhokelele kula manqanaba. Ukuthengisa akuzange kuyeke ukuyeka ngexesha langoLwesihlanu oMnyama osele uhleli weengxowa.
Zininzi izigidi ezilahlekileyo ngabatyali mali abancinci ngalo mhla wamnyama kwizabelo kwihlabathi liphela. Kodwa okubaluleke ngaphezu koku iseyinto onokuyenza ukusukela ngoku kwiimarike zemali. Hayi ngelize, isaqhwithi siza nezaqhwithi, ngokoluvo lwabanye abahlalutyi bezemali abanike ubungqina babo malunga noloyiko olufunyenwe kule mihla yezemali.
I-Brexit: zithini izaphulelo zentengiso?
Iimarike ziyayithoba inkqubo yokungaqiniseki apho uLuntu lwaseYurophu lunokudlula khona. Nokuba le nkqubo yonyulo inokudluliselwa kwamanye amazwe angamalungu e-EU: IFransi, iHolland, iDenmark, neJamani nkqu. Abo banamava ezingxoweni abayi kuba yinkqubo yexesha elifutshane, ubuncinci kude kube kuphakanyiswa amathandabuzo athwaxwa yimizimba yoluntu. Kwaye oku, ngokoluvo lwabahlalutyi abadumileyo, banokuhlala iiveki ezininzi, kwaneenyanga.
Enye into yokuchaza ukuwa okukhulu kungenxa yokuba ukumangaliswa kweziphumo. Akumangalisi ukuba usuku olungaphambi kokuba zonke iiasethi zemali zikhule ngamandla amakhulu ngethemba lokuba kuya kubakho isigxina kwi-European Union. Kodwa ekugqibeleni ayenzanga, kwaye iimarike emva kweBrexit ziye zehla. Ukuba nefuthe elibi kwisayikholoji yeemarike zezabelo.
Ngawaphi awona macandelo ahlaselwe kakubi?
Ukuhla kwexabiso kuye kwenziwa ngokubanzi, akukho nasinye isiqinisekiso sokhuselo esigciniweyo kulo mzimba ubonakalise ukuthengiswa okukhulu kwesihloko. Kodwa akukho mathandabuzo ukuba kukho inani leenkampani ezidwelisiweyo ezenze okubi kakhulu ngamaxabiso afikelele kuma-30% kumaxabiso eemarike aqhubekekayo. Kwiimeko ezininzi, amanqanaba asezantsi kukhuseleko oluluhlu olubanzi kakhulu. Kwaye kuwo onke amatyala aphula zonke izixhaso ababenazo emendweni wabo, kwaye ngaphandle kokuqulatha.
Ngayiphi na imeko, amacandelo emarike yemasheya anomdla kakhulu kwezi zehlayo zezona zibaluleke kakhulu kuqoqosho lwaseSpain. Kwaye kufanelekile ukuba uthathele ingqalelo ebusweni beendlela zotyalo-mali oza kuziphuhlisa ukusukela ngoku. Kwaye oku kulandelayo.
AmabhankiIcandelo lezemali lelinye lezona zibethwe kakhulu yiBrexit, ngokuwa ngaphezulu kwama-20%. IBanco Santander kunye neSabadell zezona zichaphazeleka kakhulu ngenxa yokuvezwa kwayo ngokugqithileyo kwibhanki yesiNgesi. Ukukhokela, nangayiphi na imeko, iinkampani ezishiye inxalenye yexabiso lazo. Ayisiyiyo kuphela kwimakethi yesizwe, kodwa nakwimanye amazwe. Eli licandelo ekufuneka ligcinwe kude kuso nasiphi na isilingo sokuthenga. Into eqhelekileyo iya kuba kukuqhubeka nale meko kwezi nyanga zimbalwa zizayo, de ifike kumanqanaba amancinci ngaphantsi kokungaqhelekanga kumaziko emali.
IAG: inewonga lokuba lixabiso elishiyeke kakhulu kwimarike yemasheya yaseMadrid, phantse i-30%. Isizathu sokudilika kungenxa yayo umanyano nenqwelo moya yaseBritane, kwaye inobunzima kwindaleko kwesi sigqibo. Kwaye okubi ngakumbi, ndinethemba elincinci lokuba imeko yayo iya kutshintsha kwiintsuku ezizayo zokurhweba.
Inkampani enomdla kwi-GBKukwakhona inani leenkampani ezinomdla kwindawo leyo, ezinobukho obusebenzayo kwimigca yeshishini labo. Iinkampani ezinje Ferrovial, Telefónica okanye Iberdrola zezona zinto zibalaseleyo ekuboniseni le meko inikwe ziimarike zesitokhwe. Ukuya kwinqanaba lokuba izivuno zalo ngoLwesihlanu omnyama emva kweBrexit bezingaphantsi komndilili oqhelekileyo.
Ungayifihla phi imali oyongileyo?
I-panorama ebonakala kuwe njengomtyalo-mali omncinci ukuba unjalo imfiliba. Phantse zonke iiasethi zemali ziye zehla, kwaye kubonakala ngathi imeko yabo iya kufana nale veki. Lixesha lokuba uzibuze ukuba ungavula phi izikhundla ukwenza ukonga kwakho kunenzuzo. Zimbalwa kakhulu iimarike, kunjalo, kodwa nakwezona meko zimbi, amathuba amatsha eshishini ayavela. Kwaye phakathi kwabo oku kulandelayo kuvela.
- Golide: ngokungathandabuzekiyo umzuzi omkhulu wale meko intsha yoqoqosho. Ngapha koko, ibiyenye yeeasethi zemali ezimbalwa eziye zavuka ngolu suku lukhulu kubo bonke abatyali mali. Kwaye yenze njalo ngamandla akhethekileyo, kuba isebenze njenge yokusabela kwiintloko ezinkulu. Ukufumana kwakhona indima yendabuko yokutsala imali ngamanye amaxesha okungaqiniseki okukhulu kuqoqosho lwehlabathi.
- Imarike ye-Forex: inokuba yenye yeendlela ezizezinye onokuthi uzenze ukuphucula ingxelo yakho yengeniso, kwaye xa kungekho mathuba otyalo-mali. Ngale ndlela, indlela yokuziphatha kwezinye iimali: Idola yaseMelika, i-franc yaseSwitzerland okanye i-yen yaseJapan kunokuba ngaphezulu komdla ukukhusela umdla wakho. Benza njengendawo yokubalekela kwi-capital flight kwezinye ii-asethi eziyimfuneko zemali. Ngayiphi na imeko, lumka kakhulu xa uthatha izikhundla, kuba iyimarike eguqukayo kakhulu ekungezizo zonke iiprofayili zotyalo-mali ezilungiselelwe zona.
- Izibophelelo zaseJamaniUmkhwa wamakomkhulu makhulu ngaphandle kokubalekela kwiiasethi ezibanika ukhuseleko olukhulu. Kwaye kule ngqiqo, ityala laseJamani lelinye lawona manyathelo azalisekayo. Isekwe kukhuseleko kunye nokuthembeka okuveliswe yinkqubo yezoqoqosho. Kwaye ngenxa yoko, bajolise kule mveliso yemali. Inokungena kwisivumelwano ngokuthe ngqo, kodwa ihlala ikhululekile kwaye kulula ukuyibeka ngokusesikweni kwingxowa mali ngokusekwe kule modeli ukwenza ukonga kunenzuzo. Ayivelisi mbuyekezo entle, kodwa ubuncinci iya kuwuvuza umdla wakho kumaxesha anzima njenganamhlanje.
Unokwenza ntoni ngezikhundla zakho zesitokhwe?
Ukuba awukazivali izikhundla zakho kwiimarike zesitokhwe, uneqhinga eliphindwe kabini. Kwelinye icala, qhubeka uthenga ukulinda ukuba i-downtrend iphele ngokukhawuleza. Esi sicwangciso-qhinga siza kujoliswa kubatyali mali abaya kwelona xesha liphezulu, ngakumbi ixesha elide. Kwaye kwelinye, thengisa izabelo zakho nakweyiphi na imali ukuba imarike ibambe. Ngale ndlela, uya kuthintela ilahleko engaphezulu, kwaye unokuthenga ezona zabelo zibiza kakhulu kwiiveki okanye kwiinyanga ezimbalwa.
Ngayiphi na imeko, Ubulumko bufanele ibe yeyona nto ibonisa izenzo zakho. Ukungazenzi izigqibo kushushu, kodwa kuvelisa ukubonakaliswa okunzulu kwinjongo zakho zokwenyani. Ngokukodwa ixesha apho imali ibhekiswe khona: imfutshane, iphakathi okanye inde. Nje ukuba amathandabuzo aphambili apheliswe, iya kuba lixesha lokuphumeza isigqibo, nalapho kuyakubanzima kakhulu ukwenza ubuzaza bale meko intsha `` ibekwe kwilizwekazi lakudala.
Kuthekani ukuba unetyala elipheleleyo?
Enye imeko eyahlukileyo yile ivela kumgama wakho kwiimarike zezemali. Ukuba awutyalomali, ndiyavuyisana nawe, kuba ngekhe ulahlekelwe yiyuro enye kwezi ntsuku emva kweBrexit. Kwaye ukongeza, kunokwenzeka ukuba uvule izikhundla kwixabiso lemarike yaseSpain, ngamaxabiso abonisa kakhulu, kwezinye iimeko amathuba okuthenga okwenyani. Kodwa akufuneki wenze ngokusemthethweni imisebenzi ngeli xesha. Kuya kufuneka ulinde ubuncinci iiveki ezimbalwa ukudlula ukubuyela kwiipaki, kuba umngcipheko wokuqhubeka nokuwa okunzima ungaphezu kokumangalisayo.
Ngayiphi na imeko, into oza kuyifumana iyathandabuzeka kukuba ngamaxabiso esitokhwe angaphantsi kokungathelekisekiyo kude kube ziintsuku ezimbalwa ezidlulileyo. Akumangalisi ukuba, kukho iinkampani ezikumgangatho ophezulu ezithi ngexesha lokugqibela lokuthengisa balahlekelwe ukuya kuthi ga kwisiqingatha sexabiso labo. Ukuthatha ithuba kule meko kulula kakhulu, nokuba awunazikhundla zokuthenga, ukuba uyazi yonke into eyenzekayo kwizabelo kule mihla.
Ngokuqinisekileyo, ukuba ujonge ixesha elide, amaxabiso aqala ukuba ngaphezu komdla, nokuba ungaqhubeka na phantsi kweendlela zentengiso. Kwaye apho ukuthengiswa kwemali kuya kuba yeyona nto ibalulekileyo onayo ngeli xesha. Kuba iya kukuvumela ukuba wenze ukuthengwa okukhethiweyo nakweyiphi na i-index yaseYurophu.
Ukuba uphonononga amaxabiso ezona zixhobo ziphambili zaseSpain kwaye uya kufumanisa ukuba ezinye zazo bezingama-50% kwiinyanga ezintandathu zokuqala zonyaka. Ukusuka kolu luvo, akuyomfuneko ukuba ungabi nayo kwaphela, kodwa ke kulungile ukuba uqonde ukuba amajelo amatsha ayavula ngoku. Ngamaxabiso aqine kakhulu kunye namanqanaba okugqitha ngaphezulu kwesiqhelo. Ewe, ukuba awuchaphazelekanga yile tsunami yentengiso yesitokhwe efunyenwe kwiBrexit.