AmaChicharros emakethe yamasheya: okhiye abayisishiyagalolunye bokutshala imali kubo

I-chicharros kumanani

Ngaphansi kokufuna ukwazi, kepha ngesikhathi esifanayo kwamukelwa ngabatshalizimali, igama le-chicharros lifihla uchungechunge lwe Ukuphepha okubalwe kumasheya aseSpain anezinkampani ezisezingeni eliphansi, ethula isitatimende semali engenayo esimbaqele, futhi imvamisa enesikweletu esingaphezu kwesijwayelekile. Naphezu kwakho konke, maningi amathuba okuthi baqashwe ngabatshalizimali abanolaka kakhulu, abafisa ukuqagela ngeminikelo yabo yezomnotho.

Ngokuthengwa kwayo, izinzuzo ezinkulu zemali zingenziwa, ngaphezu kwenzuzo enikezwa amanani enkomba kazwelonke ekhethiwe. Kepha qaphela kakhulu, ngoba ukulahleka kuvame ukubonakaliswa kakhulu. Isimo esishubile silawula ukusebenza kwamasheya akho. Akumangalisi ukuthi ukwehla kwamanani entengo abo yikhona okujwayelekile ezenzweni zabo ezimakethe zezimali.

Ngokushesha nje lapho bekhuphuka ngaphezu kwe-10% ngesikhathi esifanayo sokuhweba, njengoba ngosuku olulandelayo baphindwe kabili emahoreni ambalwa. Njengomphumela walokhu kuvele okwehlukile ezimakethe, lawa mazinga afunwa kakhulu ngabatshalizimali abafisa ukwenza imisebenzi yokwenza imali esikhathini esifushane. Bangena futhi bashiye izimakethe kaningi. Okuthile, ngakolunye uhlangothi, ongeke ukwazi ukukuthuthukisa ngamanani aqine kakhulu eparquet yaseMadrid.

Kepha uma sikhuluma ngophizi, siphinde sibhekise ochungechungeni lwezinkampani ezibonisa izimpawu zobunikazi ezenza ukuthi zikhombe kakhulu kunoma iyiphi iphrofayili yabatshalizimali. Ngokuvamile yizinkampani imigqa yazo yebhizinisi engahlanganisiwe ngokubambisana, noma edlula ngisho nasezikhathini ezimbi ekuphathweni kwazo. Akumangazi-ke ukuthi izingcaphuno zabo zilawulwa, ngaphezulu ngokulindelwe emabhizinisini abo kunokuba yiqiniso kwama-akhawunti abo ebhizinisi.

Anjani la magugu?

Uma, naphezu kwakho konke, isifiso sakho ukutshala imali kwenye yalezi zinkampani, kufanele wazi ukuthi zinezici ezichazwe kahle ezizocacisa ukuvela kwazo ezimakethe zezimali. Uzokwazi ukuthola inzuzo enkulu yemali ngokusebenza kwakho, kodwa ngasikhathi sinye izingozi zizobe ziphakeme kakhulu, noma kungenzeka kulahleke ingxenye enkulu yemali ebekiwe.

Ubhekene nalesi simo esiyinkimbinkimbi onaso ngaphambi kwakho, ukuqapha kufanele kube yithuluzi lokuqala okufanele ulisebenzise ukusebenza ngophizi. Kungakuhle kakhulu ukuthi uvikele utshalomali lwakho, ngokusebenzisa amasu amane asebenza kahle kulezi zimo. Futhi lokho ngokuyisisekelo kuqukethe lezi zenzo ezilandelayo.

  • Nika ingxenye kuphela yezimpahla zakho kulolu hlobo lomsebenzi, okuthi noma ikuphi kungadluli ku-30% wemali etholakalayo yokwenza utshalomali lube semthethweni.
  • Faka isicelo se-stop loss order, Ukukuvikela ekuweni okungenzeka ngentengo yayo. Ngalo mqondo, inketho engcono kakhulu ukubeka ukulahleka kokuma. Uzokwazi ukukhawulela ukwehla kwenani.
  • Kufanele uthathe izikhundla kulawa mavelu kuphela lapho zigcina i-uptrend ecacile, abamema ukuthi bathathe izikhundla kumanani, futhi badede kuzimo ezisele.
  • Kufanele ugxile ekusebenzeni kwakho kuphela esikhathini esifushane, futhi uma uthola ukuthi unenzuzo yemali, okungcono kakhulu kuzoba ukuvala unomphela izikhundla.

Ngalezi zenzo ezichazwe kahle kuphela lapho uzokwazi ukunciphisa ubungozi obubangelwa imisebenzi yakho, futhi uzivikele ezimeni ezimbi kakhulu zezintshisekelo zakho njengomlondolozi. Hhayi ngeze, Ingxenye enhle yabatshalizimali abancane nabaphakathi ishiye ingxenye enhle yokonga kwabo kula manani akhethekile. Yize ngokuqinisekile kuzoba nokuningi kokukodwa okuzobe kuzuze izinzuzo ezinhle kakhulu.

Amasu wokuhweba uphizi

Uma ufuna ukusebenza kahle ngalawa magugu akhetheke kakhulu, kufanele ungenise uchungechunge lwezenzo ezizosiza kakhulu ukuqala ngempumelelo ubudlelwano bakho namasheya. Ukuze uqalise, Kulula ukuthi ubone lezi zinkampani ngaphakathi kokunikezwa kwamanje okwenziwe yimakethe yamasheya yaseSpain.

Uzokwazi okungenani okulindelekile, futhi uzokugwema ukuwela emaphutheni ongahle uzisole ngawo kamuva. Ngaphezu kwalokho, bazokufundisa ukusebenza ezimakethe ngezimpahla eziyimali eziyinkimbinkimbi, futhi ngenxa yalokho, vula iminyango yakho emnyango wokuthola izinzuzo eziningi.

Ukhiye wokuqala: azisabalalisi izabelo

Esinye sezici eziphawuleka kakhulu zala magugu ukuthi akekho kubo owabela izinzuzo kubaninimasheya abo. Akumangalisi ukuthi ngokuvamile izinkampani zabo azinikezi izinzuzo, ngakho-ke, le mali ejwayelekile ayikho enqubweni yemiholo yalezi zinkampani. Uma ufuna ukuqoqa lezi zinkokhelo, ngeke ube nokunye ongakwenza ngaphandle kokuya kwamanye amasheya ahlanganisiwe ngokubambisana kuma-indices lapho abhalwe khona. Futhi lokho kuzokhiqiza imbuyiselo emaphakathi yonyaka ephakathi kuka-3% no-8%.

Ukhiye wesibili: ngemali encane

Izinkampani ezibalwe ohlwini, kepha zinemali encane kakhulu, ngoba zimbalwa kakhulu izibambiso ezishintshaniswa ezimakethe zezezimali. Baze bakwenze kube nzima kakhulu ukuthi ungene noma uphume kwizibambiso zabo, ikakhulukazi lapho wenza imisebenzi ngeminikelo ebalulekile yezomnotho. Futhi lokho kukhuthaza izandla eziqinile zemakethe (abatshalizimali abakhulu noma izikhungo) ukuphatha amanani abo ngentando. Ngakho-ke, azilifanele idlanzana, elinezinye izindlela eziphephe kakhulu.

Ukhiye wesithathu: baveza ukuguquguquka okukhulu

Ukukhishwa ngamanani abo kungenye yezinhlobo zala manani

Uma okufunayo kungukuzinza kwamanani ayo, kungcono ukuthi nawe ukhethe amanye amanani wekholi. Kusukela uphizi Bathengisa ngaphansi kokushintshashintsha okwedlulele, okungafinyelela ngisho naku-30% kuseshini efanayo yokuhweba., kokubili phansi naphezulu, ngokungaqondakali. Kujwayelekile ukuthola eziningi zalezi zinkampani ezikhiqize imbuyiselo yaminyaka yonke engama-80%, futhi ngokufanayo ngesizathu esifanayo. Ungazami ukushesha ukunyakaza kwabo, ngoba kuzodingeka uzisole ngemuva kwezinsuku ezimbalwa.

Ukhiye wesine: abayona into yokufunda ngabadayisi

Abashintshi abaningi nabalamuli bezezimali abawanaki la manani ezincomweni abahlinzeka ngazo njalo kumakhasimende abo. Futhi ngenxa yalokho, uzolahlekelwa isiqeshana esiyisisekelo sokuhlaziywa kwaso okuhambisanayo. Futhi ayinayo intengo ebhekiwe njengomphumela walokhu kuguquguquka. Futhi lokho ngokungangabazeki kuzokulimaza ukuhlola ukuthi iyiphi intengo efanelekile ukuthenga noma ukuthengisa amasheya akho.

Ukhiye wesihlanu: amasheya ku-euro eyodwa

Iningi lala masheya ahweba ngaphansi kwe-euro eyodwa.

Uma ukutadisha ngokucophelela ukunikezwa kwalawa masheya, uzofika esiphethweni sokuthi iningi lawo lihweba ngaphansi kweyunithi elilodwa le-euro. Kungakwenza ucabange ukuthi zishibhile ngempela, kepha akukho okuqhubekayo eqinisweni, ezimweni eziningi ngokuvamile kubiza kakhulu ukuthuthukisa noma iluphi uhlobo lokuthenga.

Ngaphezu kwalokho, ngokuphambuka kokuyishumi okumbalwa ngentengo yayo, ukuvuselelwa noma ukwehla kuzofinyelela emazingeni aphezulu kakhulu okuguquguquka. Ngabatshalizimali abangochwepheshe kuphela abazoba sesimweni sokwenza imisebenzi yabo, futhi bangaxolelwa engcupheni nganoma yisiphi isimo.

Ukhiye wesithupha: amathuba inkampani ezowabhanga

Enye yezinkinga ezinkulu onazo lapho ukhetha enye yalezi zinkampani ukuthi bangayeka ukuhweba ngesikhathi esithile ngenxa yezinkinga zebhizinisi labo. Ngomonakalo omkhulu ongabangelwa ukuvela okungalindelekile kwalezi zimo. Okuhlangenwe nakho kufanele kukusize ugweme le miphumela emibi kakhulu engenzeka kuwe uma uthenga amasheya kwenye yalezi zinkampani.

Kwanele ukukhumbula izinkampani eziningi ezibalwe zalezi zici ezidlule kulesi simo esingemnandi: ILa Seda de Barcelona, ​​iSniace, Terra, Pescanova, nohlu olude oluzokwenza uzibuze ukuthi kufanele yini ngempela ukhethe lokhu kuqasha imodeli yokuphatha. Ukuhluka kweSpanishi kunolaka ngokweqile.

Ukhiye wesikhombisa: yizinkampani ezincane zokwenza imali

Melela izinkampani ezingaziwa kubatshalizimali abancane

Ukuhlangabezana neqiniso langempela lalezi zinkampani, isiphetho sokugcina kuzoba ukuthi zinkulu kakhulu imali eziyimali. Izihloko ezihamba ezimakethe zezimali zimbalwa kakhulu. Futhi-ke, zilawulwa kalula kunezinye izibambiso zemakethe eqhubekayo yaseSpain. Azinikezi ukuzethemba kubathengisi, futhi zisetshenziselwa kuphela imisebenzi ethile (yemvelo yokuqagela) eyenziwa ngaphansi kwemali engabizi kakhulu, kepha ufuna ukwenza iphutha elikhulu elingathinta i-akhawunti yakho yokuhlola.

Ukhiye wesishiyagalombili: afakwe kuhlu ezimakethe zesibili

Ukuze ube nombono ocacile futhi ocacile wokuthi lezi zinqolobane zinjani, indlela engcono yokuzihlola kuzoba ukuqinisekisa ukuthi azikho kulezi ezibalwe enkombeni ekhethiwe yaseSpain, i-Ibex-35, kodwa kunalokho, eziningi we-chicharros ongawathola ekunikezelweni kwamasheya kwamanje zivela ezimakethe zohlu lwesibili, kufaka phakathi i-Alternative Stock Market (MAB).

Akuyona imodeli, ngakho-ke, okufanele uyilandele uma kungenye yezikhathi zokuqala ukuthi uthathe izikhundla ezimakethe zamasheya. Futhi, eziningi zalezi zinkampani kungenzeka azizazi nokuzazi, futhi ungaba nezinkinga eziphathelene nazo emkhakheni wezamabhizinisi.

Ukhiye wesishiyagalolunye: ubungozi bokubambeka

Ukufakwa kwezimakethe nokusebenza kokuphuma kuzoba kubaluleke kakhulu futhi kungahle kunqume impumelelo yomsebenzi. Ngeke kube nokukhetha ngaphandle kokulungisa amanani entengo ngangokunokwenzeka. Ikakhulukazi uma ufuna ukuthengisa ukuphepha kwakho ngokushesha, futhi kungakapheli izinsuku ezimbalwa (ngisho namahora) kusukela ekwakhiweni ngokusemthethweni kwe-oda lokutshala imali. Kuyenzeka kaningi, ukuthi uma ungayithuthukisi ngaphansi kwale mingcele, ungabanjwa yinani. Futhi njengomphumela walokhu, uhlala izinyanga eziningi, ngisho neminyaka, ngaphandle kokukwazi ukuhlenga amasheya ngenani elifanayo lokuthenga.


Amazwana, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.

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