Iidiphozithi kunye neemveliso ezinxulunyaniswe namashishini ezingenanzala zezinye zeefomula uninzi lwabanini-inshorensi kunye namaziko emboleko akhethe ukubamba ukonga abathengi babo. Ubabonelela ngenzuzo phakathi kwe-2% kunye ne-5% ngokwe-avareji, ubuncinci bezixa ukusuka kwi-5.000 euro. Nangona ungasoloko ufumana imveliso yezi mpawu kweli candelo kunye negalelo elingafunekiyo, malunga nee-euro ezili-1.000. Kuzo naziphi na iimeko, yenye into onayo okwangoku ngenxa yobuthathaka beemveliso ezilungiselelwe ukonga zabucala.
Kule meko ngokubanzi, olu didi lwee-akhawunti zebhanki zexesha elimisiweyo lunokuba sisisombululo kukungabikho kolindelo kwanenzuzo kwiimarike zezabelo. Apho uqikelelo alukho mnandi kwaphela kulo nyaka, kodwa ngokuchaseneyo, zihamba ngokwehla okunokuthatha i-Ibex 35, umzekelo, ukuya kumanqanaba malunga nama-7.000 okanye amanqaku angama-7.500. Isizathu esongezelelekileyo sokuxhomekeka kwizimo ezinxulunyaniswe neemarike zezabelo. Zifikeleleka kuzo zonke iiprofayili zokugcina kwaye kulula kakhulu ukuba zenziwe ngokusesikweni.
Kwelinye icala, kuya kufuneka ubone ukuba phantse zonke iibhanki zinemveliso yezi mpawu kwizibonelelo zazo ezithile. Ngeefomathi ezahlukeneyo kunye Inxulunyaniswe nezinto ezahlukeneyo zeasethi kwimarike yemasheya. Ewe kunjalo, unothotho lwezindululo onokuthi uzibeke ngokusesikweni kulo naluphi na uhlobo lwendlela yotyalo-mali kwiidipozithi zebhanki. Ngaphandle kwendlela iiasethi zemali ezinokuthi ziguquke ngayo kwiinyanga ezizayo kwaye ngokuqinisekileyo zinokuzisa ezinye izinto ezimangazayo kubatyali mali.
Iirhafu ezinxulumene nemarike yemasheya
Ezi ntlobo zeemveliso zikuvumela ukuba utyale imali kwimarike yemasheya kodwa ngaphandle kokuthatha umngcipheko ivela ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Phakathi kwezinye izizathu kuba awuyi kuba nelahleko enokubakho kule misebenzi. Ukuba akunjalo, ngokuchaseneyo, awuyi kuthatha nawuphi na umngcipheko kodwa awuyi kuphumeza inzuzo ebhengezwe kwiidipozithi zebhanki ezinxulumene nemarike yemasheya. Olu didi lweemveliso lunokuba nenzuzo kufutshane ne-5% ukuba iinjongo zotyalo-mali ziyafezekiswa. Ukuba oku bekungenjalo, kuya kufuneka uhlawule ubuncinci benqanaba lenzala eliya kuba liphantsi kakhulu, malunga ne-0,10% kwaye ngokuhambelana nezinye iidipozithi zesintu.
Ngelixa kwelinye icala, iidipozithi zebhanki ezinxulumene nemarike yemasheya zibonakaliswa abanalo naluphi na uhlobo lweekhomishini okanye ezinye iindleko kulawulo okanye kulondolozo lwayo. Oko kukuthi, ayizukubiza yuro enye kwaye wonke umdla uya kuya kwiakhawunti yakho yokonga ngokupheleleyo. Kwikota nganye, kwimbuyekezo yonyaka okanye yonyaka yokubuyiselwa kwemali, kuxhomekeke kwiimpawu zemveliso ekuvunyelwene ngayo. Enye into ekufuneka ithathelwe ingqalelo kukuba le ntsebenzo ixhomekeke ekubanjweni kwerhafu ngokuhambelana nakwezinye iimodeli ezineempawu ezifanayo.
Imigaqo ebekiweyo yokuhlala
Kwelinye icala, iidipozithi zebhanki ezinxulumene nemarike yemasheya zifuna ixesha elide kwaye zinokufikelela ukuya kuthi ga kwiminyaka emi-3 okanye esi-4. Kananjalo nangaphandle kokucinywa kwangaphambili, njengoko kusenzeka kunye nezinye iidipozithi zexesha elimisiweyo. Apho, kufanelekile ukukhankanya ukuba kunyanzelekile ukuba imali ihambisane nexesha elide, njengeyona nto iphambili ekuqeshweni kwayo. Ukuya kwinqanaba lokuba inokuthabatha inqanaba lokuthengiswa kwemali kubanini bayo. Kuba, enyanisweni, olu didi lweedipozithi zebhanki zexesha elingesosigxina alinamagama amafutshane, njengoko kunjalo nakwezinye iidipozithi ezinganxibelelananga notyalo-mali kwii-equity okanye nakoluphi na udidi lweeasethi zemali.
Ngayiphi na imeko, yindlela ekhethekileyo yokudala unaniselwano oluzinzileyo lokonga kwixesha eliphakathi nelide. Nangona une Ingeniso encinci kakhulu ukuba iimeko kutyalo-mali kwimarike yemasheya ezivumela inzala ephezulu azifezekiswa. Kwelinye icala, inzala ifunyanwa ngabanini bayo ngexesha lokuphela kwemveliso kwaye iya kuya kwangoko kwiakhawunti yokonga yabanini bayo. Nokuba yeyiphi na imali abayifumeneyo ngeli xesha lenkqubo yokwenziwa ngokusesikweni kwale rhafu ikhethekileyo banesindisi abanayo kwibhanki yangoku.
Kunzima ukuhlangabezana neemeko
Eyona nto iphosakeleyo ngale mveliso yebhanki kukuba ukuze ufumane inzala ephezulu kutyalo-mali kwimarike yemasheya kufuneka ifezekise iinjongo zobuncinane kwaye ayizalisekiswa kuzo zonke iimeko. Ngamanye amaxesha zizicwangciso ezingenakufezekiswa ezithi kwasekuqaleni ziyaziwa ukuba azizukufezekiswa kwaye sesinye sezizathu zokuba baphulukane nomdla phakathi kwabagcini abancinci nabaphakathi. Kungenxa yokuba emva koko kuya kufuneka bahlawulele inzuzo encinci eqinisekisiweyo kwaye kunqabile ukudlula amanqanaba e-0,2%. Ngokuhambelana nezinye iimveliso zokonga ezibonelela ngeempawu ezifanayo nale.
Kananjalo ayinakulityalwa ukuba olu didi lweedipozithi zexesha elimisiweyo sesinye sezicwangciso ezimbalwa ezinokuthi ziphuhlise abagcini-mali abancinci nabaphakathi ukuphucula iziphumo kwisivumelwano kwiklasi yeemveliso zemali. Apho okona kulungileyo banokukunika kukhuseleko lwakho, kwaye nantoni na eyenzekayo kwimarike yemasheya, ubuncinci imbuyekezo iya kuhlala ihlawuliswa kulondolozo olufakwe. Ngamanye amagama, imali iya kuhlala iqinisekisiwe nkqu nakweyona meko imbi yeemarike zezabelo. Njengenye yeempawu zayo eziphambili ngaphambi kokumisela ngokusemthethweni kwibhanki yethu yesiqhelo.
Ukuqhagamshela kwimarike yemasheya
Ukuxhomekeka kwabo kwiimarike ze-equity ngokubanzi kubonakaliswa yibhasikithi yezabelo zokhuseleko lwee-indices zaseSpain okanye zaseYurophu. Bahlala bengabona bameleyo, njenge Iberdrola, Santander, BBVA, Inditex okanye Ferrovial. Ngamanye amagama, iinkampani ezizinzileyo ezinemali ephezulu kakhulu ezinika amandla kwipotifoliyo yezokhuseleko ehlanganiswe kwiidiphozithi zezi mpawu. Nokuba yeyiphi na indlela, ongasokuze uyifumane iya kuba namaxabiso omqolo wesibini okanye owesithathu, nangaphezulu kwako konke ukuqikelela. Kungenxa yokuba abanandawo kolu didi lweemveliso zebhanki kuba akukho ngqiqweni ukuzibandakanya kwezi bhaskithi.
Ngelixa kwelinye icala, ezi zinto zinokuqukwa zinokunxulunyaniswa nezinye ii-asethi eziyimali kwii-equities. Enye yezona zixhaphakileyo yimali yotyalo mali ngokusebenzisa iimodeli ezimbini okanye ezintathu ezinokukhuthaza okanye zonyuse inzuzo yezi dipozithi. Njengoba isinyithi esichanekileyo, izinto ezingasetyenziswanga okanye ezinye iiasethi zemali Ukufaneleka okukhethekileyo. Phakathi kwezo zibalasele ngokubaluleka kwazo yioyile kunye negolide, ekungoku nje ezizezona zibalulekileyo kwezorhwebo lwezezimali. Ukuza kuthi ga kwinqanaba lokuba banokuphucula inzuzo yezi dipozithi zexesha.
Ngaba kufanelekile ukubhalisa?
Lo ngumbuzo omele ukuwubuza ngaphambi kokuba usayine ikhontrakthi ebhankini yakho. Kuyinyani ukuba injongo yayo kukuphucula inzuzo yabo, kodwa ayisiyonyani leyo kunqabile kakhulu ukuphumelela esi sicwangciso sotyalo-mali. Ukusuka kolu luvo, awuzukukhetha ngaphandle kokuba ulumke kancinci xa usenza izigqibo kuba iyakuba lixesha elide ukuba ungabinayo loo mali uyibekileyo. Kukho amanye amacebo otyalo-mali angcono kwaye anelise ngakumbi kwimidla yakho okwangoku. Ngaphandle kokuya ngqo ekuthengweni nasekuthengiseni izabelo kwimarike yemasheya. Kungenxa yokuba yintoni malunga nokuphela kosuku kukwenza imali inenzuzo ngaphezulu kolunye uthotho lokuqwalaselwa.
Kuyimfuneko ukugxininisa ukuba ziimveliso ezizizo Baza kufuna isixa esikhulu semali kuwe kunye nokubona ukuba kuhlawula kangakanani ukwenza olu hlobo lomsebenzi. Ngokukodwa xa kwintengiso unoluhlu olubanzi lweemveliso zokonga kunye notyalo-mali. Kungenzeka ukuba ekugqibeleni uyakufikelela kwisigqibo esichanekileyo sokuba ukuqesha kwabo akunangeniso ekukhuseleni iimfuno zakho. Nangona ikubonelela ngenqanaba elifanelekileyo lokhuseleko kwaye awunakuphulukana neyuro enye. Kodwa okubandakanyekileyo ekugqibeleni kukwenza ukonga kunenzuzo kunye neziqinisekiso ezithile kumanqanaba omvuzo.
Ngelixa kwelinye icala, awungekhe ulibale ukusukela ngoku ukuba iidipozithi zebhanki ezinxulunyaniswe neemarike zezabelo zilahlekelwe yintsingiselo yazo. Ngaphambi kokuvela kweemveliso ezintsha zemali zazo zonke iintlobo kwindalo yazo kwaye ungarhuma ngokulula. Ngeziqinisekiso ezinkulu zokuba ekugqibeleni uya kuba nemali engaphezulu kwiakhawunti yakho yokujonga okanye yokonga. Ayidibaniswanga nee-equity kuphela, kodwa nakwingeniso esisigxina kunye nakwezinye iifomathi njengenketho yotyalo mali Ngayiphi na imeko, iya kuba sisigqibo ekuya kufuneka usenze kuphela ngokusekwe kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi. Ngamaxesha apho ukutyala imali kwimarike yemasheya kunokuba yingxaki.