Phakathi kwemijikelezo ekhuphukayo evame ukuziphinda, uDisemba inyanga enhle kakhulu ukuthatha izikhundla emalini yaseSpain. Kuyisikhathi sonyaka lapho odumile futhi umhlangano olindelekile kaKhisimusi, kanye nokwenza izimonyo ngezimali zokutshala imali, kuzwelonke nangaphandle kwemingcele yethu. Eminyakeni engama-20 edlule ibhalansi ibicacile ngokusobala ngezikhundla eziqinile emakethe yamasheya futhi eminyakeni embalwa kakhulu ibhalansi ibingeyinhle.
Konke lokhu kunezizathu ezingaphezu kokwanele zokuvula izikhundla zokuxosha unyaka futhi uma izinto zingahambanga kahle ezinyangeni ezedlule kuzoba nethuba lokuthi lungisa la maphutha ekutshalweni kwemali esikwenzile. Yize ngemuva kokunyuka kwamuva ezimakethe zezimali kunokwesaba ukuthi ukulungiswa kungaholela ngqo enyangeni kaDisemba. Yize okwamanje kungasona isimo esingenzeka kakhulu okufanele sicabange ngaso kunoma yiluphi uhlobo lwamasu okutshala imali.
Ngaphansi kwalo mongo jikelele, kukhona uchungechunge lwezinto eziguqukayo ezichaza leli qiniso eliphindaphindwayo unyaka nonyaka futhi elinikeza umhlahlandlela engxenyeni enhle yabatshalizimali abancane nabaphakathi ukubuyela ezimakethe zezimali, uma kwenzeka beshiye izikhundla zabo nganoma yisiphi isizathu. Kunoma ikuphi, yisikhathi lapho ngokwesiko i- ingcindezi yokuthenga ibekwa ngokucacile kumuntu othengisayo. Manje kuzodingeka silinde kuphela ukuthi lo mkhuba ofanayo uzokwenzeka kulo nyaka noma uma kunalokho kunokunye ukumangala okulindele abatshalizimali abathengisayo. Kuzofanele silinde isikhathi esincane kakhulu ukwazi isixazululo sokugcina sale ndlela yemakethe yamasheya.
Sula izimali
Uma ungafuni izimanga ezingezinhle esikhathini esisele sonyaka, enye indlela engcono onayo ngalesi sikhathi ukwandisa imali oyitshalile neminye imikhiqizo yezezimali. Isibonelo, izimali zokutshala imali, imali yasebhange yesikhathi esinqunyiwe noma ezinye ezinezici ezifanayo. Ngenhloso enkulu yokungabi nayo imali oyongele impilo yakho kubhasikidi ofanayo futhi ngale ndlela ungalahlekelwa yingxenye ebaluleke kakhulu yemali oyitshalile. Kufinyelela ezingeni lokuthi ungakwazi uncike kokunye ukutshalwa kwezimali, yize kulokhu kunemali enesizotha kakhulu. Ukuze ngale ndlela ukwazi ukugcina imali ngaphezu kokunye ukucatshangelwa kobuchwepheshe.
Sebenzisa umhlangano kaKhisimusi
Inyanga yokugcina yonyaka ingasetshenziselwa wena ukuthatha izikhundla ezimakethe zezimali ngendlela ngesikhathi nangesikhathi esithile. Lokho kusho ukuthi, ngesikhathi esifushane kakhulu sokuhlala unomphela ukuthola izinzuzo zalokhu kudonsa okunamandla emakethe yamasheya. Ukubuyela ezikhundleni zokukhokha imali bese ulinda izikhathi ezingcono zokubuya ukwenza ukonga kube nenzuzo. Ngisho nethuba lokuqoqa izabelo ezingafinyelela inzuzo esondele kakhulu ku-5%. Hhayi ngeze, lolu hlobo lwe-rally kuvame ukukhula cishe njalo ngonyaka futhi ngaphandle kokumbalwa kakhulu ekusetshenzisweni kwayo.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi lokhu kungukutshalwa kwemali kwesikhashana kakhulu lapho kubaluleke kakhulu ukulungisa intengo yokungena emakethe yamasheya ukuze kusheshiswe inzuzo yemali. Njengeqiniso lokuthi ngumnyakazo othinta wonke amanani wokulingana kuzwelonke. Yize kuyizitoko ezinolaka kakhulu ezithatha izintaba ngamandla amakhulu kunezinye. Kunoma ikuphi, ukuphuma ezimakethe zezezimali nakho kubalulekile kakhulu. Ngoba imayelana nokusebenza okusheshayo kakhulu futhi ngaphezu kwakho konke ukushesha kuwo wonke amasu okutshala imali. Ngenzuzo emaphakathi kule minyaka eyishumi edlule cishe u-10%, enye yezindawo eziphakeme kakhulu kuzo zonke izinkathi zonyaka.
Khetha amasu anolaka kakhulu
Enye yezinye izinketho onazo njengamanje isuselwe ekuthengeni izibambiso ezinolaka kakhulu emakethe yamasheya kazwelonke. Lapho inzuzo ingathuthukiswa ngokuqhathaniswa nesinye isigaba sezokuphepha okusohlwini njengenhloso yokuba nonyaka umomotheka ezindebeni zakho. Kunoma ikuphi, lokhu kumele kube imisebenzi eshesha kakhulu edinga ukunakwa okukhulu kulokho okungenzeka ezimakethe zezimali. Emikhakheni yemakethe yamasheya, njenge zivela kubuchwepheshe obusha, ama-cyclicals, amaqembu ezezimali futhi ngokuvamile bonke abasebenzi bezimboni. Lapho kungaba khona ukwehluka okukhulu ekuguqukeni kwamanani.
Olunye utshalomali
Ukubhekana nephrofayili yabatshalizimali abancane nabaphakathi abanolaka kakhulu, izikhundla zingavulwa kuzimpahla zezimali zalezi zici. Ngoba lezi ziphakamiso zokutshala imali zingazuza izinzuzo ngesikhathi esifushane kakhulu. Ngezimpahla, njengezimpahla noma izinsimbi eziyigugu nalapho kwezinye izimo ziveza ukuthambekela okuphezulu okungaba mnandi kakhulu ukuthatha izikhundla ngalesi sikhathi. Kulokhu, njengokuncoma kokutshalwa kwemali ngabasebenzisi.
Kuyindlela enobungozi obukhulu ezikhundleni, kepha ngenzuzo yokuthi inzuzo ingaphakama kakhulu kuneziphakamiso eziqinile noma ezivikelayo. Ukuthi ungaba sesimweni sokufinyelela amazinga afinyelela ku-10% ezinsukwini ezimbalwa kakhulu zokuhweba, njengoba kwenzekile eminyakeni eyedlule. Ngakolunye uhlangothi, kufanele kugcizelelwe ukuthi lolu hlobo lotshalo-mali lungenziwa ngezimali zokutshala imali noma izimali ezihwebelana. Lezi zokugcina zingumkhiqizo oyingxube phakathi kokuthengwa nokuthengiswa kwamasheya ezimakethe zamasheya nezimali zokutshala imali. Futhi batshala amaphothifoliyo abo kulesi sigaba sezinye izimpahla zezimali. Ngenzuzo yokwenza amakhomishini ancintisana ngokwengeziwe ngokukhokha kwabasebenzisi.
Izibonelo ezinhle zikaDisemba
I-BME ifinyelele isabelo semakethe ekuhwebeni kwezokuphepha zaseSpain okungama-77,09% ngoNovemba. Ububanzi obumaphakathi bekungamaphoyinti esisekelo angu-4,88 ezingeni lentengo yokuqala (i-17,7% ingcono kunendawo elandelayo yokuhweba) namaphoyinti ayisisekelo we-6,61, ngokujula kwama-25.000 euros encwadini yoku-oda (43,9, XNUMX% kangcono), ngokusho kweLiquidMetrix ezimele bika. Lezi zibalo zifaka ukuhweba okwenziwa ezindaweni zokuhweba, zombili encwadini yokubonisa okusobala (i-LIT), kufaka phakathi indali, nokuhweba okungabonakali (dark) eyenziwe ngencwadi.
Ngenkathi ngakolunye uhlangothi, ukuxoxisana ku- Ukuqashwa okungaguquki kufinyelele kuma-euro ayizigidi ezingama-24.965 ngoNovemba. Lesi sibalo simele ukwanda ngo-0,9% uma kuqhathaniswa nevolumu ebibhaliswe ngenyanga edlule. Ingqikithi yenkontileka eqongelelwe ngonyaka ifinyelele kuma-euro ayizigidi ezingama-319.340, okusho ukukhula kwe-67% maqondana nezinyanga eziyishumi nanye zokuqala zika-2018. kuqhathaniswa no-Okthoba. Ukukhula okunqwabelene ezindabeni ezintsha kuze kube nguNovemba bekungu-20.052% uma kuqhathaniswa nesikhathi esifanayo sonyaka odlule. Ibhalansi esalele ikhule ngo-22% ngonyaka, yaya kuma-euro ayizigidigidi eziyi-4.
Okuphuma kwezezimali kukhula ngo-3%
Imakethe ye Okuphuma kwezezimali Ukuhweba kukhuphuke ezinyangeni eziyishumi nanye zokuqala konyaka ngo-2,9% uma kuqhathaniswa nesikhathi esifanayo sonyaka odlule. Ivolumu ku-Stock Futures inyuke ngama-48,1%; Ekuseni Kwizabelo Zamasheya, 96,1%, naku-IBEX 35 Impacto Dividendo Futures, 111,0%. Uma kuqhathaniswa nenyanga kaNovemba yonyaka odlule, ukuhweba ku-Futures naku-Stock Options kukhuphuke ngama-30,2% no-6,8%, ngokulandelana. Indawo evulekile inyuke ngo-7,4% ngenyanga.
Lesi yisibonelo esingasiza kakhulu ukuthi ukuphela kukaDisemba kube inyanga enhle yezintshisekelo zabatshalizimali abancane nabaphakathi. Akunandaba noma ngabe umbuthano wephathi kaKhisimusi obulindelwe isikhathi eside uyenzeka noma cha. Kepha lokho kuqala ngokuthembela okuthile kubalamuli bezezimali. Futhi lokho uma kuphoqelelwa kungaholela ekuhlaziyweni kokulinganiswa kwamanani wamasheya ebangeni eliphakathi kuka-5% no-15% ngaphezulu noma ngaphansi. Kepha kuzoncika kumphumela wokugcina wokusebenza ezimakethe zezimali kulo nyaka onzima kuwo wonke umuntu.
Ngoba empeleni kunethuba lokwabelana lezimanga phakathi kwabasebenzisi ukuze ngale ndlela ube sesimweni sokukhulisa izimali zakho esikhathini esedlule nesinqumayo sonyaka. Futhi kunoma yikuphi, kuzosebenza njengesiqalo somsebenzi olandelayo ozoba nzima kakhulu kunalona. Ekupheleni kosuku yisikhwama lapho udlala khona imali. Ngezimpahla, njengezimpahla noma izinsimbi eziyigugu nalapho kwezinye izimo ziveza ukuthambekela okuphezulu okungaba mnandi kakhulu ukuthatha izikhundla ngalesi sikhathi.