Kuza ixesha lonyaka, njenge-Ista, apho ukhuseleko lokonga kufuneka lube ngaphezulu kwezinye izinto. Ngale ndlela, utyalomali kwiimarike ze-equity lunokuba yenye yezona mveliso ziyingozi ngelixa useholideyini kule veki. Kodwa ke, ngokusebenzisa imigca embalwa elula yokwenza, uya kuba nakho ukufumana imali ethe kratya kwipotifoliyo yakho xa ubuya kuhambo lwakho.
Kwelinye icala, i-Ista lixesha elifanelekileyo kakhulu lonyaka kananjalo lokujika inkunzi ekhoyo iye kwezinye iimveliso zezemali ezikhuselekileyo ezinamaxesha amafutshane kakhulu okusisigxina. Zintsuku ezimbalwa kodwa kwezinye iimeko ungathatha ezingaqhelekanga ukumangaliswa okungalunganga onokuzisola ngayo kwiintsuku ezizayo. Ngesi sizathu kuyacetyiswa ukuba uthathe onke amanyathelo okhuseleko ukulungiselela ukugcina imali yakho ngaphezulu kwezinye izinto zobugcisa.
Ukongeza, awungekhe ulibale ukuba kule veki umsebenzi kwiimarike ze-equity wehle kakhulu, kunjalo isezantsi kakhulu kunonyaka. Ngeemarike zivaliwe ngolwesiHlanu nangoMvulo olandelayo kwaye oku kuthetha ukuba ngekhe wenze imali ibe nengeniso ngendlela oyifunayo. Ngokuchanekileyo kwesi sizathu, kukho umngcipheko wokuba ukungazinzi kuya kubamba kwiimarike ze-equity kwaye kuya kubakho umahluko omkhulu phakathi kweyona xabiso liphezulu kunye nelona xabiso lincinci lesabelo. Apho ukumangala kunokuba khona nangaliphi na ixesha kwaye unokucaphuka xa wonwabele ukuphumla okufaneleyo nosapho lwakho okanye nabahlobo.
I-Ista: intengiso yenxalenye
Ukuvela kweemarike zezabelo ukuza kuthi ga ngoku kulo nyaka kuye kwanelisa ngokucacileyo kwimidla yabatyali mali abancinci nabaphakathi. Apho isalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35, uyixabisile malunga ne-6%. Ngoku inokuba lixesha elifanelekileyo lokonwabela iinzuzo ezinkulu ezenziwe ngeli xesha kwaye akukho nto ingcono kunokucima izikhundla ngokokulindelweyo. Unamacebo amabini otyalo-mali ukwenza eli xesha. Kwelinye icala, thengisa zonke izabelo kwaye ulibale malunga nemarike yemasheya ixesha elide.
Le nkqubo iyakukuvumela ukuba uchithe ezi ntsuku zokuphumla ngoxolo olukhulu lwengqondo ngaphandle kokukhathazeka malunga nokuvela kweemarike zezabelo. Ngelixa kwelinye icala, unokukhetha ukuthengisa ngokuthe ngqo ukuze Unokuba nemali ukuhlangabezana neendleko zePasika ngaphandle kokubhenela kwenye ingeniso kwiakhawunti yakho yokutshekisha. Ngelixa elinye icandelo lekapitali yakho linokuqhubeka nokwenza inzuzo yokonga ukuba iimarike zezemali zisabela kakuhle kwezi ntsuku zikhethekileyo zonyaka.
Ziphephe iindlela zokuphila ezingqubanayo
Ukuba uza kuthatha isikhundla kwiimarike zezabelo ngaphambi kokuba uye ekhefini kule pasika, sukumisela ukusebenza okukuko kukhuseleko oluphikisanayo okanye kumacandelo anokukunika ukungathandi ngeli xesha lonyaka. Kwiintsuku ezimbalwa, akufanelekanga ukubeka ingozi izikhundla ezinje. Ukuba akunjalo, ngokuchaseneyo, kuya kufuneka ukhethe okuqinileyo kwaye ngaphezulu kwako konke ukuzinza kwexabiso lesitokhwe esingazinzanga kakhulu ukulungiselela amaxabiso abo. Nangona ekugqibeleni inzuzo incinci okanye mhlawumbi ayikho. Ewe kunjalo, into ebalulekileyo kukugcina imali ekhoyo.
Kwelinye icala, kwaye ngaphakathi kwesi sicwangciso sikhethekileyo sotyalo-mali, unokukhetha ukhuseleko lwamacandelo akhuselayo nakwezolondolozo lweemarike zezemali. Umzekelo, abo banxulunyaniswa ukutya okanye oohola bendlela Ezinika ukhuseleko olukhulu kwipotifoliyo ngaphezulu kokunye okunobukrwada. Kule mihla yokuphumla, into emalunga noku asikokufumana uhlaziyo olukhulu kulondolozo lwakho, kodwa kukuqinisekisa ukuba sele utyalile imali. Kwaye ngandlela thile, ukukhetha icandelo elikhuselekileyo kwimarike yemasheya lukhetho oluhle kwezi ntsuku zentwasahlobo.
Khetha izitokhwe ezingamanzi kakhulu
I-Spanish Stock Market ithengise i-34.680 yezigidi zeerandi zizonke ngo-Matshi, i-7,2% ngaphezulu kunangoFebruwari kunye ne-29,6% ngaphantsi kwenyanga efanayo kunyaka ophelileyo. Inani lezorhwebo likhule nge-12,5% xa kuthelekiswa noFebruwari, ukuya kwi-3,1 yezigidi, i-17,8% ngaphantsi kuka-Matshi 2018. Kodwa kwezi ntsuku, ungathandabuzi ukuba umthamo wentengiso uzakwehla kakhulu kwaye kumanqanaba abaluleke kakhulu. Ukuze ndi thintela naluphi na uhlobo lwezimanga Xa ubuya kwiiholide zakho zePasika, akukho nto ilunge ngaphezu kokufumana ukhuseleko olunamanzi onokuwathengisa ngaphandle kwengxaki ukuba izinto zihambe gwenxa kwezi ntsuku.
Ukongeza, awunakulibala ukuba ixabiso elilulwelo liya kukunceda uhlengahlengise ngakumbi ixabiso lentengiso. Ke, uya kuwenza umsebenzi ube nenzuzo ngakumbi ngesi sicwangciso sikhethekileyo sokutyala imali. Mhlawumbi, kuyo nayiphi na imeko Ngaba ufuna ukuthengiswa kwemali kwiveki ezayo kwaye awuyi kuba nexesha lokukhangela elona xabiso lentengiso. Akufanele ulinge ithamsanqa lakho ukuba ekugqibeleni uthatha isigqibo sokutyala imali oyigcinileyo ngeli xesha lonyaka. Ukuba akunjalo, kuya kufuneka ulumke ngakumbi kwisigqibo oza kusithatha kwezi ntsuku zonyaka.
Khetha idiphozithi yexesha elifutshane
Ngokuchasene noko, imarike yengeniso esisigxina igcine inqanaba eliphezulu lomsebenzi. Umthamo opheleleyo oqokelelwe kwiinyanga ezintathu zokuqala zonyaka ukhule nge-88,9%, emva kokubhalisa uthethathethwano lwe-38.632 yezigidi zeerandi ngenyanga kaMatshi, i-109,9% ngaphezulu kunenyanga enye ka-2018. Ngale ndlela, unokujongana nale mali phantsi kwerhafu yebhanki yexesha elimiselweyo yeentsuku ezimbalwa kakhulu. Phakathi kweentsuku ezi-4 ukuya kwezi-7 Uneemveliso ezininzi ezinezi mpawu kunye noncedo olongezelelekileyo onokuthi uzenze zibe sesikweni kwi-Intanethi. Ngokuthuthuzela ekhaya okanye kwindawo yeholide yakho kule Pasika.
Ngayiphi na imeko, uyakufumana isivuno esisezantsi kakhulu ngenxa yexabiso eliphantsi lemali kwindawo ye-euro. Yeyiphi ngoku amanqanaba asondele kakhulu kwi-0%. Ngokwenyani oku kuthetha ukuba imbuyekezo yakho kulondolozo iya kuba yembi kakhulu, kodwa ubuncinci uyakufumana imali ikhuselekile kunye nembuyekezo encinci onokuyifumana ngeli xesha lonyaka. Zizonke ukuzigcina kwezi ntsuku ukuba uza kuchitha iholide kunye nabantu obathandayo. Esi sisicwangciso esiliqili kakhulu kodwa esiya kukuvumela ukuba uchithe ezi ntsuku uzolile.
Iimali ezirhwebe ngokusisigxina
Kwicandelo leNgxowa-mali yokuTshintshiselana ngokuThengisa, eyaziwa njenge-ETFs, zizonke iirandi ezingama-137,8 yezigidi zathengiswa, i-8,7% ngaphezulu kweyoMdumba kunye ne-38,6% engaphantsi kuka-Matshi 2018. Inani lothethathethwano lwaluyi-5.381, oko kuthetha ukwanda kwe-16,3. Ipesenti xa ithelekiswa nenyanga ephelileyo kunye nokuhla kwe-34,2% xa kuthelekiswa noMatshi 2018. Yenye into enokwenza kwezi ntsuku ukuba umbono wakho wokuqala Yandisa ixesha lokuhlala zotyalo-mali. Ngoncedo lokukwazi ukukhetha zombini ingeniso esisigxina kunye neemarike zengeniso eziguquguqukayo. Okanye nakwezinye iimodeli ongazange uqiniseke ngazo ukuba uza kufumana imbuyekezo kulondolozo.
Isenokuba lixesha lokwenza esi sicwangciso kutyalo-mali olunoburhalarhume. Ukuba yimveliso, imali yokurhweba ngokutshintshiselana, eyi hlanganisa phakathi kokuthenga nokuthengisa izabelo kwimarike yemasheya kunye neengxowa-mali ezifanayo. Kodwa nakweyiphi na imeko, ngeekhomishini ezikhuphisana ngakumbi kunezi mveliso zemali. Ngelixa ngokuchaseneyo, iya kukunika ithuba lokujongana neemarike zezemali ezingekachazwa kwicala lakho. Nangona kufuneka uyigcine kwisipaji sakho kangangeentsuku ezininzi.
Umda kwiziphumo zezemali
Ngaphandle kwenyani yokuba intengiso yezemali inyuse urhwebo nge-2,7% kwikota yokuqala yonyaka xa kuthelekiswa nelo xesha linye lika-2018, ayisiyiyo eyona modeli ilungileyo onokuyiqesha ngokuchanekileyo kwezi ntsuku zentwasahlobo. Akumangalisi ukuba babe nomngcipheko ogqithisileyo wokuba ungabinakho ukuhlawula le veki yeholide. Nje phantsi kwemisebenzi ethile kwaye ungalawula ukusukela ngoku ukuya phambili. Ungalibali ukuba ungaphulukana nenxalenye elungileyo yemali etyalwe. Uya kuba nawo amanye amaxesha onyaka okwenza imveliso yezi mpawu, kodwa hayi ngalo mzuzu ungqalileyo.
Ukongeza, kuya kuba ngumngcipheko ongeyomfuneko ukuze kwezi ntsuku zolonwabo ungazi ngakumbi malunga nokuvela kwezi zikhundla kwiimarike zezemali. Ukuza kuthi ga kwinqanaba lokuba uya kufikelela kwisigqibo sokuba ayifanelekanga ukuba uziveze ngale ndlela ukuba zeziphi na iziphumo zezemali. Akulona mzuzu ofanelekileyo ukuthatha okanye ukuvula izikhundla ngeendlela zokutyalomali ezinobungozi obuninzi njengale. Uya kuba nawo amanye amaxesha onyaka okwenza imveliso yezi mpawu, kodwa hayi ngalo mzuzu ungqalileyo.