UBrick uphinde waba semfashini emkhakheni wokutshala imali. Leli qiniso lisho ukuthi amanani ezimali zaseSpain axhunyaniswe nale mpahla yezezimali yiwona isikhungo semisebenzi eminingi eyenziwe ngabatshalizimali. Hhayi okwethu kuphela, kodwa futhi nakwezinye izindawo. Akumangalisi ukuthi bazama ukwenza imisebenzi yabo ezimakethe zamasheya izuze ngaleli su okuvame kakhulu eminyakeni yamuva ezimakethe zasekhaya.
Vele, injalo intshisekelo ebhekiswe kwisitini umnyango wokuhlaziya weBankinter oyibeka njengenye yezinkomba izikhundla ezivulekile kusuka manje. Ngezinga lokuthi isazuza ukusebenza okulingene, cishe i-4% noma i-5%. Kepha kunoma yikuphi, ikubheka njengomunye wemikhakha esheshisa isigaba sayo sokululama. Ngale ndlela, kungaba yinto yokusebenza kwakho ngokwethula amathuba amahle wokuvuselela inani lamasheya alo.
Ngenzuzo yokuthi imakethe yamasheya kazwelonke inezinkampani eziningi ezibalwe ezihlinzeka ngalesi sici esibalulekile. Ngenxa yalokho, maningi amathuba okuthi ukwenze lokho khetha amanani lapho ufuna ukuvula khona izikhundla kusuka manje. Noma kunenketho yokuthola inkokhelo yemihlomulo iningi labo eliyisabalalisa phakathi kwabaninimasheya. Kungabhekwa njengenye yezinhlaka ezisebenza kakhulu emakethe yamasheya ongazithola ngalesi sikhathi.
Isitini: yiziphi izitoko okufanele uzithenge?
Ngaphakathi kokunikezwa okunamandla kwezimali zaseSpain, kunezinkampani eziningi lapho imisebenzi yakho yokutshala imali ingaqondiswa khona. Ukubuyela emkhakheni wezitini bese usizakala ngesimo sayo esihle samanje. Ngalo mqondo, esinye seziphakamiso ezisikisela kakhulu abahlaziyi bale makethe abanikela ngaso yileso esihlobene noMerlin. Isizathu asikho okunye ngaphandle kwamathemba amahle kakhulu anawo engxenyeni yentuthuko yokuhlala. Ukuba ngenye yezinkampani ezihola phambili kulolu hlu lwebhizinisi olusondelene kakhulu nezitini.
Yinkampani enomlando omncane ezimakethe zezwe zikazwelonke kodwa ehlangabezana nokulindelwe okwenziwe phakathi kwabatshalizimali. Kufika ezingeni lokuthi ine- okungenzeka kubheke phezulu kusondele ku-10%. Akumangalisi ukuthi elinye lamaqiniso aphawuleka kakhulu ngale nkampani yikhono layo lokuqhubeka nokwenza ngcono imali engenayo minyaka yonke. Futhi ngenxa yalokhu kusebenza ngokheshi lwayo, kuzoba sesimweni sokunikeza abaninimasheya bayo isabelo esinenzuzo engaphezulu kwe-4% phakathi neminyaka embalwa ezayo.
Colonial omunye ozobhapathizwa ozosebenza
Kunjalo Izakhiwo Nezindawo ZamaKoloni Lesi ngesinye seziphakamiso ezinikezwe yimasheya ukudala iphothifoliyo eqinile yezokuphepha enamathemba aqinile wokuphinda ahlaziye kulezi zikhathi eziqondile. Amandla ayo alele endaweni yayo emahhovisi ezingxenyeni ezinkulu zezwekazi elidala. Phakathi kwazo kuvela iMadrid, iParis noma iBarcelona. Enye yezinto ezikhangayo kakhulu ukuthi njengamanje ihweba ngamanani akhanga kakhulu. Futhi ngamandla aphezulu okuhlaziya futhi kuze kube seqophelweni lokuba ngomunye wezimanga ezingaba khona ezinyangeni eziyishumi nambili ezizayo.
Kunoma ikuphi, kuyinkampani esohlwini leyo ujeziswe kakhulu selokhu kwaqala inkinga yezomnotho, cishe ngonyaka ka-2008. Ngokuncipha okukhulu kwentengo yamasheya ayo njengoba ilahlekelwe ngaphezu kuka-50% wenani layo langempela emakethe yamasheya. Kunoma ikuphi, kuhlale kulayini webhizinisi onenzuzo yalo. Ngaphezulu kwamathemba ezinikezwa izinkampani zokwakha ezibaluleke kakhulu emakethe kazwelonke eqhubekayo. Awukwazi ukukhohlwa ukuthi uthuthukisa amamaki wenzuzo yakho ezinyangeni ezedlule.
Izinkampani ezibalwe kwamanye ama-indices
Futhi iqiniso lingaqashelwa ukuthi kunamasheya amaningi afakwe kuhlu lwezinkomba ezingabalulekile zamasheya aseSpain. Kepha noma kunjalo, hhayi ngaphandle kokudlulisa icala ukuze izikhundla zithathwe ngabatshalizimali abancane nabaphakathi. Ngesaphulelo esibonakalayo kumanani aso wamanje ngokuqhathaniswa nalokho okunikezwe ngabahlaziyi abakhulu bezezimali. Kulokho okuyithuba langempela lokuthenga ukuze ulihlanganise nephothifoliyo yakho elandelayo yokutshala imali.
Esinye salezi ziphakamiso ezisikisela kuvela I-Hispania ingcebo. Konke lokhu yize sekwehliswe ngonyaka odlule ngaphezu kwama-30%. Ngoba empeleni inencwadi yoku-oda engaphezu kokumangalisayo engakhuphula amanani ayo futhi kusukela manje. Akumangalisi ukuthi amathemba abo entengo ahlala engaguquki kuze kube manje futhi kungenzeka kakhulu ukuthi azosebenza ezinhlelweni ezilandelayo zokuhweba. Ngoba kufanele kukhunjulwe ukuthi ukuphepha kwabo kungokunye okusebenza kakhulu ezimakethe zezezimali.
URealia njengenye indlela emkhakheni
Omunye wabamele leli qembu elikhethiwe lezibambiso zempahla limelwe nguRealia nokuthi ngokombono wochwepheshe ezimakethe zezezimali kungenye yezindlela zokubheja ezikhundleni. Ngokubuye ube ne- Isaphulelo ngaphezu kokubalulekile ngentengo yakho ehlosiwe. Yize kumlahlekisela ngaphezu kwamanye amanani ukuqala ngokuzimisela okukhulu ekufezeni izinhloso zakhe eziseduze kakhulu.
Kunoma ikuphi, kungenye ingcebo okufanele ibe khona ezinqumweni ozozenza kusukela manje kuqhubeke. Yize kulokhu, kufanele ucacise isu lakho kulayini webhizinisi uma usukwenzile kwakho ukwanda kwemali. Isici esikwenze saba nohambo oluncane lokuya ezinyangeni ezedlule. Yize, ngokombono wabahlaziyi, kungenzeka ukuthi kuzoshintsha umkhuba kunikeze injabulo ethe xaxa kubatshalizimali abancane nabaphakathi. Kepha kunoma yikuphi, kuzoba ngesinye isiphakamiso okufanele usicabangele ukuthuthukisa iphothifoliyo yezokuphepha eminyakeni embalwa ezayo.
Ukuphepha okwengeziwe kwendabuko emakethe yamasheya
Lokhu kuzibophezela kumanani angabaluleki kakhulu ezimalini zaseSpain kuqhathanisa nenzuzo ephansi enikezwa manje ezinye zezinto ze- ingcebo yendabuko. Ngisho nengozi yokwehla kwamanani abo kusuka manje. Ngokuqinisekile akusona isinyathelo esihle ukwengeza kwiphothifoliyo yamasheya kulezi zinyanga zasehlobo. Ngoba impela, eziningi zalezi ziphakamiso zibuyekeziwe ngabahlaziyi bezezimali. Futhi abathathi hlangothi noma ngokuhlolwa okungekuhle kangako njengokuthengiswa kwezikhundla zabo.
Kunoma ikuphi, ukubheja okuyingozi kakhulu emakethe yamasheya okungenza ulahlekelwe ama-euro amaningi endleleni. Ngakho-ke, akumangazi ukuthi zimbalwa kakhulu lezi zivikelo ezikhona kwiphothifoliyo yabatshalizimali abaningi abancane nabaphakathi. Akumangalisi ukuthi kukhona okuningi abangakulahlekelwa kunenzuzo kulezi zikhathi eziqondile. Iziphakamiso zokuvezwa kwezimali zangaphambilini ezinenzuzo enkulu kakhulu. Yize bevela ezinkampanini ezingaziwa kakhulu emigqeni yabo yebhizinisi. Kepha ngamakhono wokuhlaziya aphakeme okungukuthi ekugcineni imayelana nani.
Amathiphu wokuhweba ngalawa manani
Ukuze ukwazi ukwandisa ukusebenza kwemakethe yamasheya ngalezi ziphakamiso esikunikeza zona, akukho okungaphansi kochungechunge lwemigqa yokusebenza ezosiza kakhulu ezimeni eziningi. Ukuze usesimweni esingcono sokwenza iminikelo yakho yezomnotho ibe nenzuzo futhi uyilondoloze ezimeni eziyinkimbinkimbi kakhulu ezimakethe zezezimali. Lezi ngezinye zazo.
- Akudingekile ukuthi utshale yonke imali oyongile kulezi ziphakamiso zezikhwama. Kepha kuzokwanela lokho ukumisela ingxenye encane okufanayo ngokuthengwa kwamasheya.
- Uneziphakamiso ezahlukahlukene ngakho kuzofanele uzihlaziye ukukhetha lezo ezinikeza ukuphepha okukhulu ukuzigcina kuphothifoliyo yakho futhi ungamangali ngezindaba ezingezinhle neze.
- Kungumkhakha okungukuthi ngokubambisana kuhle kakhulu ukuvikela izintshisekelo zakho. Kepha kuyingozi kakhulu ngakho-ke kufanele usungule isikhathi saphakade esingekude ngokweqile futhi esifezekayo ngokuya ngezinhloso.
- Kuzo zonke izimo kufanele uthathe izinyathelo zokuphepha uma kwenzeka kwenzeka ukuthambekela kwethrendi kwikhotheshini yentengo. Isu elisebenza kahle kakhulu lizonqunywa ngokusetshenziswa kwe-stop loss order, esaziwa kangcono njenge-stop loss.
- Vele akumele ukhohlwe ukuthi lokhu kunjalo umkhakha onobungozi obukhulu ukwedlula bonke abanye. Ngakho-ke, ngeke kube khona okunye ongakwenza ngaphandle kokucabanga ukusebenza bese uzama ukubanciphisa ngangokunokwenzeka.
- Kuzo amanani aguquka kakhulu nokuthi nganoma yisiphi isikhathi bangakhiqiza ukuguquka okungazelelwe kwamanani abo. Inhloso yakho kuzoba ukulindela lezi zimo ukulungisa ngokushesha izikhundla zakho kumasheya.
- Akufanele uzibekele izinjongo ezingafinyeleleki kakhulu noma okungenani ezinezimpawu ezimbalwa zokufinyelelwa. Ngakho-ke, kufanele phawula isu ongakwenza ngomqondo ovulekile nganoma yisiphi isikhathi. Kuyindlela engcono kakhulu yokuphuma kulesi simo. Ungakhohlwa kusukela manje kuqhubeke.