Ukuzinza kwezibopho ezizimele zaseSpain yinto ejwayelekile eye yagcinwa eminyakeni yamuva. Ukuthinta imikhiqizo eminingana yokutshala imali nokonga. Kepha manje bangaba sengozini enkulu ngokusho kwe-ejensi yokulinganisa izikweletu i-Moody's, exwayise ngokwehliswa okungenzeka kwezinga lobukhosi laseSpain.. Njengamanje ibhalwe emazingeni e-'Baa1 'ngombono' ozinzile ', uma izinguquko zabasebenzi nempesheni ziguqulwa, ngokusho kombiko okhishwe yile nkampani ngoLwesibili.
Lokhu empeleni kusho ukuthi uma lesi simo singenzeka, sizogcina sithinta izibopho zezwe lethu. Kepha futhi nakweminye imikhiqizo yezezimali, efana izimali zokutshala imali emholweni ongaguquki, izimali ezithengiselana ngokushintshisana, izinhlelo zempesheni futhi, ngokuvamile, amamodeli amaningi okwenza imbuyiselo kulondolozwe abatshalizimali abancane nabaphakathi. Uma kunjalo, isinxephezelo sakho sizokwehliswa ngamandla noma ngokuya ngesilinganiso esisha sesikweletu sikaMoody. Kunoma ikuphi, kuyisexwayiso kuma-surfers okungafanele ukubukelwa phansi ngoba kungathinta ingxenye enkulu yabasebenzisi.
Ngenkathi ngakolunye uhlangothi, kungaba yinto ebucayi ezimakethe zezimali zezwe lethu ngoba kuzosindwa ukuzimisela kwalabo abasebenzela ezezimali bamazwe omhlaba. Ngoba impela, ngeke kulibaleke ngalesi sikhathi ukuthi i- izinguquko zabasebenzi nezempesheni Basetafuleni ngaphansi kochungechunge lwezinyathelo ezenziwa nguhulumeni omusha ezweni lethu kusuka manje. Ngomthelela odume kakhulu emnothweni wezwe futhi lokho ngokungangabazeki kuzoba nemiphumela yako ezimakethe zamasheya.
Izibopho zobukhosi: zitholwa kanjani izinkontileka?
Lo mkhiqizo ovela emholweni ongaguquki wenziwa ngokoqobo nge izinkontileka eziqondile ezimakethe zezimali. Ngenzuzo evuselelwa inyanga ngayinye kuye ngokuhlukahluka okuhlinzekwa yizwe. Okwamanje, isibopho sikazwelonke esizimele singesinye sezinto ezinenzuzo kakhulu ezingatholakala. Ngaphezu kwabanye abanezici ezifanayo njengesibopho sase-Italy. Umkhiqizo ohlawuliswa izimakethe zezezimali zenqubomgomo eyenziwe yilelo zwe laseLatin.
Isibopho saseSpain, ngakolunye uhlangothi, singaba nokuvuthwa okuhlukile futhi ngenxa yalesi sizathu kungabhekwa njengomkhiqizo wezezimali oguquguqukayo kakhulu. Kubhekiswe ezikhathini zaphakade esikhathini esifushane, kepha nakwezinye izindlela futhi esikhathini esimaphakathi nesikhathi eside. Ngenzuzo eyaziwayo ngaphambi kokuqashwa kwayo futhi okwamanje ehamba ngamamayela wokulamula ahambayo 1,12% kuya ku-1,90% cishe. Kunoma ikuphi, kuyizinga lenzalo elihlala lilungiswa futhi liqinisekiswa minyaka yonke.
Ngezimali zokutshala imali
Kunoma ikuphi, indlela elula nenethezeke kakhulu yokuthi abatshalizimali abancane nabaphakathi benze isivumelwano ngomkhiqizo walezi zici ngokusebenzisa izimali zokutshala imali ezisuselwa emholweni ohleliwe. Bakhona engxenyeni enkulu yamaphothifoliyo otshalo-mali izinkampani zabaphathi ebezikhulisa, kuzwelonke nangaphandle kwemingcele yethu. Ngamafomethi ahlukahlukene akhona ukuze abhaliswe abasebenzisi. Ngaphandle kolunye uchungechunge lokucatshangelwa kwezobuchwepheshe.
Ngenkathi ngakolunye uhlangothi, kungakhohlwa ukuthi lesi sigaba sezimali sihlanganisiwe nezinye izimpahla zezezimali. Kokubili kusuka kwimali engenayo engaguquki nasemholweni oguqukayo, nakwenye inketho Ngenhloso eyinhloko ye- hlukanisa utshalomali ukuvikela iminikelo yezimali ezikhathini ezinzima kakhulu ezimakethe zezimali. Bakhona futhi ngaphansi kokuphathwa okusebenzayo noma okwenziwa ngokuya ngecebo lokutshala imali lomphathi uqobo. Ngamakhomishini ahluka kusuka ku-0,7% kuya ku-1,5% ngokuya ngokwakhiwa kwawo.
Kuhlanganiswe kuma-ETFs
Lo ngomunye umkhiqizo wezezimali ofaka phakathi amabhondi kazwelonke. Kuyimodeli yokonga exuba imali yokutshala imali nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Kuqondiswe ku- isikhathi esifushane sokuhlala kunezimali ezivamile zokutshala imali. Ngakolunye uhlangothi, ibuye ibonakale ngoba ukutholakala kwayo kwezinye izimpahla zezezimali kuncane kakhulu. Kulula kakhulu ukwenza isivumelwano futhi sekuyindlela ecacile yokutshala imali eminyakeni yamuva ngenxa yezici zabo ezikhethekile.
Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi lo mkhiqizo wezezimali uyatholakala ekunikezelweni kwamanje kwezikhungo zezikweletu nge anhlobonhlobo amamodeli ezinhlobonhlobo zemvelo. Ukuze abatshalizimali abancane nabaphakathi bakwazi ukukhetha ifomethi evumelana kahle nephrofayili yabo njengomtshalizimali. Yize kunjalo kuleli cala, bagqama ngoba ayikho imbuyiselo eqinisekisiwe nganoma yisiphi isikhathi futhi konke kuncike ekuguqukeni kwabo ezimakethe zezezimali. Yize imvamisa bekhiqiza imbuyiselo encane minyaka yonke. Ukubuyisa iminikelo yemali kanye nezintshisekelo ezihambisanayo ngesikhathi sokukhokhwa kwabo.
Umehluko maqondana nezinye izibopho
Ibhondi yaseSpain igcina ezinye izingqinamba okufanele zihlolwe ngesikhathi sokuvunyelwa kwayo futhi okulandelayo esikudalula ngezansi. Kumayelana nebhonasi okungukuthi kuphephe kancane kuneGerman noma iMelika ngoba ayisebenzi njengesiphephelo ngezikhathi zokuntengantenga ezimakethe zokulingana kwezezimali. Ngenkathi ngakolunye uhlangothi, kungakhi ukungazinzile ngesikhathi sesibopho sase-Italy. Lapho i-risk factor factor ithatha isinqumo sokukhulisa inzuzo yayo ezimakethe zezezimali, ngokuhluka kusuka enyangeni kuya kwenye ngokuya ngokuhlukahluka.
Kunoma ikuphi, lesi sigaba semikhiqizo etholakele yemali engenayo sigxile kakhulu kuphrofayili yabalimi echazwe kahle kakhulu. Okomuntu olondolozayo noma ozivikelayo lapho ukuphepha kudlula khona esinye isigaba sokucatshangelwa kwesinye isigaba samasu anobudlova nokuthi ezimweni eziningi kuhlobene kakhulu nenzuzo yayo. Akuwona umkhiqizo ukuqagela noma ukuthola inzuzo enkulu yemali, kepha ngokuphambene nalokho kuhle ukudala ukushintshaniswa kokulondeka okungathathi cala esikhathini esimaphakathi nesikhathi eside.
Izinzuzo zamabhondi kazwelonke
Kufanele ucabangele uchungechunge lweminikelo ekubhaliseni kwakho futhi yilokho esikudalula ngezansi: ukuze ngale ndlela, sibe sesimweni sokukwazisa lo msebenzi ezimakethe zezimali.
- Khiqiza i- inzuzo, okuthi noma kungenjalo ngokungagcini ngokubabaza kukuvumela ukuthi ukhiqize imali minyaka yonke.
- Ngokuvamile kungumkhiqizo wezezimali ukuthi kuphelelwe yisikhathi nokuthi kuzona zonke izimo kumele kugcwaliseke.
- Kungumkhiqizo okuyiwona kakhulu kulula ukuqasha futhi ngalokho-ke ayidingi ukufunda okukhethekile ekusebenzeni kwayo noma ekuqondeni kwayo.
- Kukhona ekunikezelweni abekade bekuthuthukisa wonke amabhange yezwe lethu futhi ngeke kube nankinga ngokwenziwa kwalo ngendlela efanele.
- Amakhomishini akho azinwebeki kakhulu futhi kunoma yisiphi isimo zingaphansi kwalezo ezisetshenziswe ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya.
- Kuyinto utshalomali obhekwayo ngezingozi ezimbalwa kakhulu ekusebenzeni kwayo, yize kuya ngokuthuthuka ezimakethe zezezimali.
- Futhi ekugcineni, kufanele kuqashelwe ukuthi lesi sigaba sezibopho sihlanganisiwe utshalomali olondolozayo noma oluvikelayo ngabatshalizimali abancane nabaphakathi.
Ngezindleko zokuguqulwa kwempesheni
Kunoma ikuphi, amabhondi kazwelonke angabuyekezwa kuya ngokuthi izinguquko zabasebenzi nezempesheni ziguqulwa yini ekugcineni. Lesi ngesinye sezingozi okufanele zinakwe kusukela manje. Ngomqondo, inkampani yezikweletu ibeka lokhu kuguqulwa kwezinguquko futhi izimfuno ze-secessionist zeCatalonia njengezingozi ezinkulu zezikweletu izwe elinazo manje. Uma kunjalo, bekungeke kube nenzuzo njengomkhiqizo wezezimali njengoba kungaba manje. Ngakho-ke, lesi simo esisha kufanele sihlolwe ngamapharamitha amasha lapho inzuzo yawo incike khona.
Ngenkathi ngakolunye uhlangothi, "amandla ezomnotho waseSpain akhombisa ukuthuthuka esimweni sokuncintisana esiholela ekusalweni kwangaphandle okuqhubekayo kanye nokukhula okungahambi kahle kakhulu kunangaphambili," kusho uMoody esitatimendeni sakhe. Ukuba nganoma iyiphi indlela esinye sezithunzi lo mkhiqizo osethula ukutshalwa kwezimali ezinyangeni ezizayo noma ngisho neminyaka. Ngefayela le- ukungazinzi okungadala ekufunweni kwabatshalizimali abancane nabaphakathi.
Njengalokho okungenzeka emakethe yezabasebenzi, ngoba enye yezinhloso zikaPedro Sánchez ukuqeda izinguquko zabasebenzi ezaphakanyiswa nguMariano Rajoy phakathi nenkinga yezomnotho. Ngaphandle kwemiphumela emihle ekuzuzeni kwalesi sigaba sezibopho ngakho-ke bazolahlekelwa ukuncintisana nabatshalizimali bamanye amazwe kusuka kulowo mzuzu kuqhubeke.