Kuneqembu elikhethiwe kakhulu labatshalizimali abathengisayo abanokungabaza okukhulu ukuthi bazokwenza kuphi ngokusemthethweni utshalomali lwabo kusukela manje kuqhubeke. Uma kumakethe yamasheya aseSpain, eNyakatho Melika noma yaseYurophu. Kuyisinqumo esinzima kakhulu ukusithatha esinenhloso yaso enkulu thuthukisa amamaki wenzuzo ezimakethe zokulingana. Ukwazi ngaso sonke isikhathi ukuthi kungaba nomehluko owazisa kakhulu phakathi kwezindawo zombili zomhlaba.
Sonke lesi sinqumo sabatshalizimali abancane nabaphakathi kuhloswe ukusizakala ngamathuba ebhizinisi ahlinzekwa ngalezi zimakethe zezezimali. Kepha ngento entsha engeyona enye ngaphandle kokwenza okuphelele ukuhlaziywa kulezi zimakethe ukulingana kucatshangelwa ubuhle nobubi bayo. Ukuze ngale ndlela, senze amaphutha amancane kakhulu ekuphathweni kwemali yethu eyenzelwe imakethe yamasheya. Futhi lokho, ngemuva kwakho konke, okubandakanyekayo kulezi zimo ezithile.
Ngakolunye uhlangothi, kuyadingeka futhi ukuthonya into ejikelezayo yezimakethe zezimali. Ngamanye amagama, ukuze uthole imali emakethe yamasheya, akudingeki ube yi-static. Uma kungenjalo, kunalokho, kuyadingeka ukusuka emakethe eyodwa kuya kwenye kuya ngesici sobuchwepheshe lokho kukhombisa ngamunye wabo esimweni esithile. Kanye nokuhlukahluka okwenzeka ngaso sonke isikhathi futhi lokho kunganikeza imihlahlandlela yesenzo sokukhetha ezinye izimakethe zezezimali kulimaze ezinye. Kulula lokho futhi akumele siphambuke kulezi zinhloso eziyisisekelo.
Imakethe yamasheya aseSpain: ingabe isikhathi?
Impela, yimakethe yezimali esinazo kakhulu ezandleni zethu futhi, ngaphezu kwakho konke, sazi kahle kakhulu izinkampani ezibhalwe emakethe kazwelonke eqhubekayo. Akukho okuxakayo kithi ukusebenza nalezi zimpahla zezimali futhi lokhu kuyinzuzo engangabazeki uma sifuna ukwenza ukonga kube nenzuzo ngeziqinisekiso ezinkulu zempumelelo. Ngenkathi ngakolunye uhlangothi, kunenzuzo yokuthi i- amakhomishini nezindleko ekuphathweni nasekunakekelweni zithengeka kakhulu kunezinye izikwele zomhlaba wonke. Ngenxa yalokhu, akukho kungabaza ukuthi sizokwazi ukonga ama-euro ambalwa minyaka yonke nokuthi sizokwazi ukwabela ezinye izidingo zomuntu siqu.
Njengento engeyinhle, iqiniso lokukhetha izimakethe zokulingana zikazwelonke, ukuthi singalahlekelwa ngamathuba ebhizinisi azuzisa kakhulu kubo bonke. Ngakolunye uhlangothi, asikwazi ukukhohlwa ukuthi inkomba ekhethiwe yezimali zaseSpain yiyona esebenze kabi kakhulu ezinyangeni eziyishumi nambili ezedlule uma kuqhathaniswa nezinkomba zezwekazi elidala. Leli qiniso linganciphisa inzuzo esitatimendeni sethu semali engenayo ekupheleni konyaka, njengoba kwenzekile eminyakeni edlule yokuhweba. Lapho i- ukungazinzi kwezepolitiki nezenhlalo yizici eziphikisana nale ndlela yokutshala imali emakethe yamasheya.
Ukuhwebelana kwamasheya aseYurophu, kungani kungenjalo?
Ngaphakathi kwendawo yethu eseduze kakhulu kunezimakethe zamasheya zaseYurophu futhi zikhombisa ezinamandla ukwehluka lapho singatshala khona imali yethu kusuka manje kuqhubeke. Kodwa-ke, ukusebenza kwayo kufana kakhulu nemakethe yethu yezezimali futhi kunokuhluka okumbalwa kakhulu okungabongwa. Yize ngakolunye uhlangothi, inezokuphepha ezingaba mnandi kakhulu ukuziqasha kusuka manje kuqhubeke ngenxa yamandla azo okubuyekeza futhi ngaphezu kwakho konke ngoba zikhombisa isici esihle kakhulu sobuchwepheshe esisimema ngokungangabazeki ukuthi sithathe izikhundla ezinyangeni ezizayo.
Enye yezinto ezihambisana kakhulu nalezi zimakethe zezimali ukuthi zikunikeza okunikezwayo okubanzi kakhulu. Ngezimakethe ze- Isikhwama sesiFulentshi, isiJalimane, isiDashi, isiGreki noma isiPolish ukunquma isinqumo sakho sokuhlobene nezwe lemali eliyinkimbinkimbi njalo. Ngaphandle kwesikhathi lapho lezi zinkomba zomhlaba wonke zifakwa khona. Enye yezingqinamba zayo ezifanele kakhulu ukuthi amakhomishini wokusebenza kwawo abanzi kakhulu kunalawo wezwe. Lokho wukuthi, kuzofanele ubheke amamajini aphezulu wokulamula ukwenza imisebenzi izuze kunoma yiluphi uhlobo lwamasu okutshala imali. Kepha kunoma yikuphi, kungenye indlela onayo okwamanje yokwenza ngcono isitatimende sakho semali engenayo.
Izimali ze-US eziphakeme
Ukugula okuphezulu kwamanani e-United States kungenye yezinkinga ezinkulu ukuthatha izikhundla kule ndawo ebaluleke kangaka emhlabeni. Phakathi kwezinye izizathu ngoba ukulungiswa kungaba nzima kakhulu ezinyangeni noma eminyakeni embalwa ezayo. Ngalo mqondo, enye yezinkinga zale misebenzi emakethe yamasheya ukuthi mhlawumbe le makethe yemali engenayo eguqukayo yephuzile. Bekuzodingeka ukuthi bangene ngaphambili ukuze bakwazi ukusizakala nge-rally ethuthukisayo le ndawo eye yabhekana nayo eminyakeni eyisishiyagalombili edlule. Kepha manje akusisona isikhathi esikahle sokuvula izikhundla kwezinye zezimpahla zezezimali ezakha le nkomba yesitoko futhi lokhu kuyisici okufanele usihlole kusukela manje kuqhubeke.
Cishe wonke amanani ale makethe yamasheya asezingeni eliphezulu, kwezinye zezimo zomlando. Futhi kuyiqiniso ukuthi kwesinye isikhathi lo mkhuba kuzofanela uphele. Ngoba, njengoba abatshalizimali abancane nabaphakathi bazi, akukho okukhuphuka noma kwehla ingunaphakade, kungasaphathwa ukuthi kube yimakethe yamasheya. Lapho ubungozi bungadingeki ngokuphelele ngalesi sikhathi kusukela ngamanani e- amasheya abiza kakhulu ezimweni eziningi. Kufike ezingeni lokuzibuza ukuthi ngabe kufanele yini ukungena emakethe yezimali ebilokhu ikhula unyaka nonyaka. Ngamafuphi, isinqumo esinzima okuzodingeka usenze kusukela manje kuqhubeke.
Amasu okutshala imali okufanele awathathe
Ngalesi sikhathi, esinye sezihluthulelo zempumelelo yokusebenza kwakho sincike ekwehlukaneni okulungile kwimpahla yezezimali yephothifoliyo yakho yokutshala imali. Ngenkathi ngakolunye uhlangothi, olunye lwezinhlelo ongazisebenzisa kusukela manje yilo oluxhunyaniswe neqiniso lokuthi ungakhetha i ukuphathwa okusebenzayo kunoma iyiphi yalezi zimakethe zezimali esibhekise kuzo. Ukuze ngale ndlela, ukwazi ukuzivumelanisa nazo zonke izimo, zombili ezingezinhle nezilungile. Ngaphezu kwalokho, kuzoba yithuba elihle lokusebenzisa amathuba webhizinisi angavela ezimakethe zamasheya zaseSpain, North America noma zaseYurophu. Ngoba lezi zimo zizohlala zivela, noma kukunyakaza okuphelele kwezimakethe zamasheya.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi kungahle kube khona umehluko omkhulu kusuka emakethe yezimali eyodwa kuya kwenye. Isibonelo kwenzeke lokhu ngoLwesithathu olwedlule lapho i-Ibex 35 yehle ngo-1,3%, kuyilapho i-Eurostoxx 50 yehle ngo-0,3% kuphela. Kulokhu, ngenxa yokuncika ngokweqile komkhakha webhange kunkomba ye-equity equity. Lokho, ukuphambuka kuleli cala elithile cishe u-1%, nemali eningi esengozini ekusebenzeni. Njengobufakazi bokuthi kufanele ukhethe kakhulu esinqumweni osithathayo kusukela manje kuqhubeke. Ngoba kunemali eningi ongayithola noma uyilahle ekusebenzeni ngakunye emakethe yamasheya futhi akuyona indaba yokulahlekelwa ngamathuba okwenza ngcono emiphumeleni yokutshalwa kwemali.
Ukwehlukaniswa kwemali
Okunye okuheha kakhulu kulezi zimali zokutshala imali, ngokuya ngenkontileka yabo, ukuthi bavumela ababhalisile babo ukuthi babe nemali yabo etshaliwe kubhasikidi wezokuphepha obhalwe ohlwini lwenkomba yokulinganisa yaseYurophu ngaphandle kokubeka engozini i-euro eyodwa ekubhejeni kwesitoko okuhlose ukuphepha okukodwa, ngaleyo ndlela kususe kakhulu izingozi, ngoba ngokuvamile lezi amaphakheji wamasheya aqhamuka emikhakheni ehlukene nasemazweni lapho ukuthambekela okungalungile okukodwa noma okunye kwawo kungakhonjiswa kungavunyelwanga.
Kusho nokuba sezikhundleni zomthengi ezinkampanini ezinemali ethe xaxa okuzoba yizo ezenza kahle kakhulu okwamanje lapho umnotho wase-Europe ekugcineni usuphuma enkingeni yezomnotho ebambe izimali zayo eminyakeni yamuva nje. Kodwa-ke, kuzoba ngumtshali-zimali endaweni yokugcina okhetha ukwakheka kwalezi zikhundla abaphathi abazilungiselele phambilini, kungaba ngeziphakamiso zokuzivikela ngaphandle kwengozi eyeqile, noma ngezinye ezibandakanya ukuzibophezela okukhulu kwababhalisile, kepha lokho njengenxephezelo futhi inikeza amathuba amakhulu okwazisa kwabo ezinyangeni ezizayo uma kwenzeka ukuthi izimali zaseYurophu zibuyela endleleni eya phezulu.
Manje kufanele wenze izinqumo zakho bese uzama ukwenza amaphutha ambalwa kakhulu kungenzeka ekusebenzeni ngakunye ezimakethe zezimali. Futhi lokho, ekugcineni kosuku, ukuthi yini ebandakanyekayo kulesigaba semisebenzi yemakethe yamasheya. Ezimakethe ezifana kakhulu, kepha lokho kukhombisa umehluko ongajwayelekile phakathi kwazo. Ngakolunye uhlangothi kunengqondo ukucabanga uma kukhulunywa ngemali ekunyakazeni kwemakethe yamasheya.