Abatyalomali abancinci nabaphakathi bafumana ukoyikeka okuhle xa bebona indlela isalathiso sentengiso yesizwe, i-Ibex-35, esokola ukuwa kumaxabiso aso, incinci kunokuba ingacingwa kude kube ziinyanga ezimbalwa ezidlulileyo. Ngokukodwa, Ukwehla kwimarike yaseSpain ekuqaleni konyaka omtsha kujikeleze iipesenti ezilishumi.. Umntu kuya kufuneka abuyele umva kumashumi eminyaka yokuqinisekisa ukuqala okutyhafisayo kulo nyaka ngeniso ekhoyo, kunye namanani abomvu kuwo onke amaxabiso, ngaphandle kokukhetha.
Kuyinyani ukuba ayisosimo sodwa, kodwa Ichaphazela lonke unaniselwano lwezinto zamanye amazwe, ukusuka kwiAtlantic ukuya kwiPasifiki. Ngendlela ethe nkqo, kwaye kungabikho nakuphi na ukuphumla kuko nakuphi na ukuvukela apho imisebenzi inokuvalwa ukuthintela ububi obukhulu. Okwangoku, yintoni abatyali mali abafuna ukuyazi nokuba kukuhamba kube kanye, okanye ngokuchaseneyo, lutshintsho oluchanekileyo oluya kuqhubeka kulo nyaka.
Ngapha koko, Ibhentshi lokulinganisa lesizwe lelona liye labetha kakhulu, kwaye iwa ngamandla amakhulu kunezinye iimakethi zesitokhwe, ngenxa yovalo nokukhathazeka kwabantu abathathe izikhundla kwiimarike zezemali. Ayothusi into yokuba abagcini mali baphulukana nemali eninzi kutyalo-mali lwabo kumanqanaba okuqala ka-2016, kwaye babonakala ngakumbi kwamanye amacandelo kunakwamanye: iibhanki, ezemizi-mveliso kunye neoyile zithwele ezona zimbi, kunye nokuhla kwexabiso malunga ne-15%.
Ukusebenza kakubi kwe-Ibex
Okucacileyo kukuba isalathiso semilinganiselo yemarike yaseSpain yenza kakubi ngakumbi kunakwenye imeko engqongileyo. Le nyaniso ikhokelela kubatyali zimali ukuba bavale izikhundla zabo kwizabelo, okanye kude uyiphambukisele kwezinye iimarike zesitokhwe ezisengozini ngalo mzuzu. Nangona kunjalo, ukuze kufunyanwe imeko yokwenene yezabelo zaseSpain, kuyakufuneka ucacise ukuba kutheni isenza ngale ndlela, kwaye ngaphezulu kwako konke oko kukho umahluko omisela ukuvela kwayo kwiimarike.
Akukho sizathu esinye sokuchaza le meko imbi, kodwa zibangelwa zizinto ezahlukeneyo, kunye nendalo eyahlukeneyo, njengoko kubonisiwe ngabahlalutyi abaphambili bezemali. Kwaye oko kongeze konke, inefuthe lokuba i-Ibex-35 isondele kwisithintelo samanqaku ayi-8.000, xa kwiinyanga nje ezimbalwa ezidlulileyo yaphakanyiswa ngokuzolileyo ngamanqaku ayi-10.000. Ngaphaya koko, ukuba ubuthathaka buqhubeka ekukhetheni, iingcali azikhuphi mthetho ukuba amaxabiso ayo anokunyuka aye kufikelela kumanqaku angama-7.200.
Ngayiphi na imeko, Imarike yemasheya yaseSpain ilahlekelwe ngaphezulu kwiiveki zokuqala zonyaka kunango-2015 uphela, phantse ukuphinda kabini ilahleko. Ngokuphumla okuncinci, apho abathengisi baphumelela umdlalo ngaphezulu kwabathengi ngokucacileyo okupheleleyo, kwaye njengoko bekungakhange kwenzeke ixesha elide. Akumangalisi ukuba ibuyele kumanqanaba angazange abonwe kule minyaka mithathu idlulileyo, kwaye kuya kuba yimfuneko ukubuyela kwelona xesha libi lengxaki yezoqoqosho ukufumana amaxabiso asezantsi kakhulu kwimarike yaseSpain.
Ukungazinzi kwezopolitiko
Yenye yezinto, ngaphandle kwamathandabuzo, ebangela ukuba ii-equity zaseSpain ziwe nolu gonyamelo lunqabileyo. Ukungaqiniseki ukwenza urhulumenteNokuba amathuba avulekile onyulo ukuba luphindwe lwentwasahlobo ezayo, kuyabothusa abatyali zimali bamanye amazwe, kwaye abemi abafuni kuthatha izikhundla kwiimarike. I-cocktail eqhumayo engancediyo kwiimarike.
Le yenye yeenkcazo zokufumanisa ukuba kutheni imarike yestokhwe sikazwelonke isenza kakubi kunabanye kwindalo esingqongileyo: iDax, iCac-40 okanye iLondon Footsie 100. Isaphulelo apho izabelo zaso zidweliswe khona phantse sisi-5% ngokubhekisele kwezi marike zaseYurophu. Kwanele ukukhumbula ukuba ngo-2015 ezi zivaliwe ziluhlaza, kunye neenzuzo eziphakathi kwe-3% kunye ne-10%, ngelixa i-Ibex-35 ibingomnye wabambalwa (kunye nentengiso yesitokhwe yamaGrikhi) eyayikwindawo engathandekiyo, kunye nokuhla 7%.
Nangona kunjalo, kwaye ngenxa yezi zizathu, abanye abahlalutyi bezentengiso bakholelwa ukuba xa ukungaqiniseki okubambelela kuqoqosho lwaseSpain kuphelisiwe, isalathiso sesitokhwe ingangomnye wabo banolona hambo lude kwiinyanga ezimbalwa ezizayo (okanye iminyaka), kwaye unokwenza ngcono kunodade otshintshisanayo kwi-Monetary Union. Isaphulelo esicaphula ngaso singaphezulu kokuxabiseka kwiinyanga ezidlulileyo.
Ubuthathaka obukhulu kwisalathiso sakho
I-Ibex-35, kwelinye icala, yenye yeempawu ezichaphazela bonke obona buthathaka. Izizathu zicacile, kwiinyanga ezidlulileyo khange zikwazi ukwaphula naluphi na uxhathiso nakuphi na ukubaluleka. Kwaye ngokuchaseneyo, idlulile kwizinga eliphezulu lenkxaso. Okokuqala kumanqaku angama-9.500 9.000, kwaye kamva kuma-XNUMX. Ngenxa yolu hlobo, ukuthengiswa kuye kwacaciswa ngokucacileyo ekuthengweni. Eyona nto imbi kakhulu, akukabikho nto ibonisa ukuba umhlaba uye wakha apho oku kuya kuma khona.
Enyanisweni, abathengi banqabile, Kwaye kuphela ukuthengwa okumbalwa okwenziweyo- ngokuqikelelayo- ukuthatha ithuba lamaxabiso asezantsi apho kuthengiswa izabelo. Kwimisebenzi yexesha elifutshane kakhulu ekhokelwa ngabarhwebi abaziintloko bamanye amazwe, hayi ngabatyali zimali abancinci nabaphakathi. Oku, ngenxa yobuthathaka obukhoyo kwiimarike, zilindile, nokuba izinto maziphucuke, okanye zithengwe ngamaxabiso aphantsi.
Eyona meko imbi yeyabantu, abakwimeko yakho, abasesemarikeni. Awunakho ukhetho oluninzi lokusombulula ingxaki yakho. Nokuba balinda amanzi ukuba abuyele esiqhelweni, okanye bathengise izabelo zabo ngokukhubazeka. Yeyona ngxaki ivela phambi kokuba woyike ukuba ilahleko inokuba mandundu ngexesha leseshoni elandelayo.
Ukwehla kweshina
Ayizizo zonke iingxaki zesalathiso sesitokhwe sesizwe esendalo. Hayi kangako. Enye yezona zinto zixhalabisayo kwihlabathi liphela yile Uqoqosho lwase China lwenza ukufika nzimaNgamanye amagama, ukuba iingxaki zayo zinkulu ngakumbi kunezo ziboniswe kwidatha ephambili yezoqoqosho. Iya kuba yimvelaphi yokudodobala koqoqosho okutsha kunye okunobuzaza kwihlabathi liphela, kwaye oko kuya kuzisa iziphumo ezibi kakhulu kuzo zonke iimarike zentengiso, ngaphandle kokukhetha.
Ukuqinisekisa ukubaluleka kwale ngxaki, kwanele ukubona ukuba, okokuqala ukusukela oko kwavela ingxaki yamanye amazwe yezemali, Uqoqosho lwaseTshayina lubhalisile ukukhula kwikota yokugqibela malunga ne-6%, ngokweedatha ezisandula ukubonelelwa yiOfisi yeSizwe yeeNkcukacha-manani yelizwe laseAsia. Kwaye nangayiphi na imeko, ingaphantsi kokulindelwe kwimarike.
Olunye lweempendulo zokuqala lufikile, njengoko lunokuba luncinci, kwiimarike zesitokhwe eziwile, kunye nokuphazamiseka kwezinye iiseshoni. Ukusika imeko ephezulu ababeyihambile iminyaka emine. Akumangalisi ukuba kukho uloyiko lokuba idatha yokwenyani iya kuba mbi, kwaye nkqu Ayigwetyelwanga ngaphandle into yokuba ibhotile eyoyikekayo yaseTshayina inokuqhuma nangaliphi na ixesha. Ukuba bekunjalo, ibiya kuba sisibetho esibi kuzo zonke iimarike zentengiso, neziphumo ezibi kwiinkampani ezidwelisiweyo.
Zitolika ntoni ezi ngxowa?
Ukuba ubuneminyaka emininzi ungumtyali mali, kuya kufuneka uyazi loo nto Iimarike zamasheya zilindele, kunye neenyanga ezininzi, iimeko ezintsha zoqoqosho. Oku kuye kwenzeka ngokubanzi kubomi bayo obude. Ngapha koko, ilumkisile malunga nokuqala kweengxaki ezinkulu, ukwehla kwamandla emali kunye neziganeko eziphikisanayo kuqoqosho lwehlabathi.
Ihlala ingaphambili, kwaye iphambi kweziganeko ngendalo enkulu, ejongela phantsi ukubekwa kwezikhundla kwiimarike ngabatyali zimali zentengiso. Ngokungabinalo ulwazi oluyimfuneko lokuqhuba imisebenzi yayo ephambili kwiimarike zezabelo.
Ukusuka kolu luvo, maninzi ngakumbi amazwi aphezulu alumkisa ukuba kwenzeka ntoni ngoku ngokutshintshiselana ngesitokhwe, Kukuba bathotya uqoqosho olutsha kwinqanaba lehlabathi. Ngesi sizathu, le mithombo ichaza ukuba, amaxabiso ezabelo angaya ezantsi kule minyaka imbalwa izayo, kunye nokuphelelwa lithemba kwabatyali mali abanephothifoliyo yezokhuseleko, njengoko kunokuba njalo kwimeko yakho ethile.
INgxowa-mali yeHlabathi yezeMali (IMF) iwathobile amathuba ayo okukhula kwezoqoqosho kwihlabathi liphela ngowama-2015 nowama-2016. Iziko, enyanisweni, lehlise uqikelelo lwalo kwihlabathi liphela ngesishumi. Ukuxela kupapasho lweendaba ukuba "senza uqikelelo lwethu ngexesha apho uqoqosho lwehlabathi lukwinqanaba lemikhosi emithathu enamandla." Enye yazo ithathwe ngokuchanekileyo kukudodobala kwezoqoqosho kwengxilimbela yaseAsia.
Ujongene nale meko imbi, akufuneki uziveze kulondolozo lwakho oluya kwii-equities. Ubuncinci kuya kufuneka ulinde iinyanga ezimbalwa de ipanorama, yaseSpain nakwihlabathi liphela, icace. Kuya kufuneka ubenemali ukuze usebenzise amathuba eshishini ngokuqinisekileyo iya kuziswa kuwe ngalo naliphi na ixesha, kwaye naxa ungalindelanga.
Ukuba endaweni yoko, utyale imali yakho kwimarike yemasheya, imeko iya kuba yongquzulwano ngakumbi kwimidla yakho. Kungabambezeleka ukwenza intengiso ngokusemthethweni, kodwa kuya kufuneka ugcine engqondweni ukuba amaxabiso ezabelo angaya ezantsi kakhulu kwiiseshoni ezilandelayo. Kwimeko nayiphi na into, ingxaki oya kuba nayo, kwaye loo nto Ungahlawula kuphela ngokusekwe kwiprofayile oyifakileyo njengomtyalomali wentengiso.