Vele, omunye wemibuzo efanelekile ozozibuza yona njengamanje ukuthi ngabe akhona yini amathuba emakethe yamasheya okungena izikhundla ezivulekile. Njengomphumela wokwenyuka okwenziwe ezimakethe zezimali emhlabeni jikelele. Futhi lokho kuholele ebhentshini lokulinganisa laseSpain, i- Ibex 35, ukuphulula amazinga atholakala kumaphoyinti ayi-10.500 XNUMX. Ngemuva kwesikhathi eside bengasondelene nabo.
Ngoba impela inkinga enkulu ozibuza yona kusuka manje kuqhubeke ukuthi wephuzile ngemisebenzi enenzuzo enkulu. Ngamanye amagama, ukulungiswa okuthile kokuhambisana okukhethekile kungakhiwa okungabeka engozini imali etshaliwe. Kuyingozi ukuthi uzozama ukugwema ngaphezu kokunye ukucatshangelwa kumasu akho okutshala imali. Akumangalisi ukuthi kungenye yezingozi ukuthi ukungena okuncane kakhulu noma okuncane emakethe yamasheya kukhiqiza. Kuze kube seqophelweni lokuthi ungashiya ama-euro amaningi endleleni.
Kunoma ikuphi, uzoba namathuba amaningi wokuthuthukisa izikhundla zakho kumasheya. Abanye babo abavela izindlela ezilandelanayo nokuthi bazodinga izingozi ezimbalwa. Kepha abanye abavela kumasu afaka ukukhathazeka okukhulu ekuziphatheni okunesibindi ngenxa yephrofayili yabatshalizimali oyethula ngaso sonke isikhathi. Ukufika lapho ungakwazi ukungenisa ezinye zazo ukuzama ukuthuthukisa ibhalansi ye-akhawunti yakho yokonga. Ngabe unesibindi nganoma yiziphi iziphakamiso esiziphakamisayo ngezansi?
Amathuba angcono
Ukuthola okuhamba phambili kubo, awukwazi ukukhohlwa iqiniso elizosebenza kakhulu kuwe. Ngoba impela, isikhathi eside imakethe yamasheya yaseYurophu yenza kangcono kuneyaseMelika. Mhlawumbe ukubheka i- ezinye izindlela ezingcono kakhulu zokutshala imali Kumasheya, akudingeki uye kude kakhulu ukukhuthaza uchungechunge lokuthenga okukhethiwe kunoma iyiphi yalezi zimakethe zesitoko. Lapho, khona-ke, kungafanele ukuthi ilahleke ngaphansi kwanoma yiziphi izimo elinye inani lemakethe yamasheya kazwelonke
Ngokuqondile ibhentshimakhi, Ibex 35, inikeza iziphakamiso eziningi kunalokho obekuqagele ekuqaleni kusukela kumzuzu wokuqala. Ngoba impela, noma ezimeni ezingezinhle kakhulu ungaba namathuba webhizinisi langempela. Kuze kube seqophelweni lokuthi bangakhuliswa ngaphezu kwamaphesenti avame kakhulu. Lapho zingakukhiqiza khona ekunikezeni isimanga esingaphezu kwesisodwa esihle kulezi zikhathi. Ungayikhohlwa ngoba ingakuzuzisa kakhulu nokuthi yini engcono, ngaphandle kokuthola ithuba lokuyilungisa kuma-akhawunti akho.
Kukumiphi imikhakha okukhona ukuhamba okuningi?
Ngaphakathi kwamasheya aseSpain kunochungechunge lwamanani abucayi kakhulu wokuthuthukisa lezinhlangano. Okokuqala, zivela ezinkampanini ezifakwe ohlwini ezilula ukukhiqiza ukuhamba kwemali. Futhi bacaphuna ngamanani ayela ngasocansini ukuze uthuthukise i-radar yakho ukuze uthenge okokuqala okukhethiwe. Ngalo mqondo, sizophakamisa ezinye izipesheli ezijabulisa kakhulu. Ngokuthengwa kwamasheya ezinkampanini ezifana Inditex, Amadeus noma i-ACS. Izingozi aziziningi futhi kunalokho inzuzo ingaba mnandi kakhulu ngalesi sikhathi.
Enye indlela ivela emikhakheni ebucayi kakhulu nge ukukhula komnotho. Ngakho-ke, iphothifoliyo elandelayo yokutshala imali akufanele ilahlekelwe yimikhakha efanelekile emakethe yamasheya yaseSpain njengamabhange, izinkampani ezithengisa izindlu kanye nabagibeli bamabhayisikili abathengi. Akumangalisi ukuthi ubhekene nezitoko ezinamandla amakhulu okuthola kabusha ngoba imiphumela yebhizinisi labo ingaba ngcono kakhulu kunalokho obekulindelekile kulekota. Ngokumangala okungaphezu kokukodwa okuhle ezinyangeni ezimbalwa ezizayo.
Into ethandwa kakhulu yokuthenga?
Isimo salokho okwakungenye yamabhange amakhulu aseSpain njengamanje kusaphikiswana ngaso phakathi kwe- ukwanda kwemali noma ukusebenza kwebhizinisi. Lesi yisinqumo esizothathwa emasontweni azayo, yize kungaziwa ngokuqiniseka ukuthi yisiphi esizothatha isinqumo sokugcina. Kepha kunoma yikuphi kuzokwaziwa maduzane ukuze ukwazi ukusebenzisa isinqumo sakho ngempumelelo futhi ngale ndlela usesimweni esingcono sokwenza imali oyongele iziqinisekiso zakho ngempumelelo enkulu. Yilokho ingxenye yabatshalizimali abancane nabaphakathi abalinde okungenani. Kwelinye lamagugu ashisayo okwamanje. Yize kusuka ekubukeni okungalungile. Okungenani okwamanje.
Akunakulibaleka ukuthi kubahlaziyi abaningi bezimakethe zezezimali, kubaluleke ngaphezu kwalokho ekushoyo namuhla emakethe yamasheya, kungakhathalekile ukuthi idinga ukukhushulwa kwemali enkulu yini. Ukuthi le mithombo efanayo ibhekise eqinisweni lokuthi intengo yamanje ayibonisi ukulinganiswa. Njengomphumela walokhu kuhlaziywa, manje kuzoba yithuba lokuthenga lokwenza inzuzo ukuvulwa kokunyakaza. Okungenani esikhathini esimaphakathi nesikhathi eside, njengoba kungaba nohambo olubalulekile olungaphambili. Ngaphezu kwalokhu okwethulwe ezinye iziphakamiso zemakethe yamasheya, ngisho nokufaneleka okukhethekile.
Ingabe yisikhathi sokungena emabhange?
Vele kunamabhange amaningi angaba yinto yokusebenza kwakho kokuthenga. Ngokuyinhloko ngoba bamele amathuba ebhizinisi okwenza inzuzo enkulu esitatimendeni sakho semali engenayo. Kuyisinqumo esihlakaniphe kakhulu ngoba inani elikhulu labahlaziyi bezezimali bacabanga ukuthi lawa magugu asenendlela yokuhamba ngokuya phezulu. Ngokukhuthaza, kwezinye izimo, zinikeza okuhehayo ukwahlukanisa isivuno engafinyelela ku-5%.
Kunoma ikuphi, le mithombo efanayo iyavuma ukuthi umkhakha uwonke uhweba ngaphansi kwenani lebhuku okwamanje. Ngenzuzo eyengeziwe leyo nqubomgomo yemali izoshintsha nganoma yisiphi isikhathi futhi ingakhonjiswa esitatimendeni semali engenayo sebhange. Kuze kube thuthukisa amamaki wakho wezohwebo ukuze ngale ndlela kubonakale ngentengo yamasheya ayo. Kulesi simo, amabhange angenye yamathuba okuthenga ezinyangeni ezizayo. Ngisho nezingozi eziphansi kunezinye imikhakha yezimali.
Amanani ahehayo ku-real estate
Esinye sezigaba zebhizinisi ezingeke zashoda kuphothifoliyo yakho yokutshala imali ileyo exhunywe nezitini. Uma ukuvuselelwa kabusha kungaba yindawo yokungena yokwenza ukonga kube nenzuzo. Ngoba impela, akumele sikhohlwe ukuthi umkhakha wezezakhiwo uhlobene kakhulu nesigaba sokukhula komnotho eSpain. Futhi ngalo mqondo, imininingwane Kumkhiqizo Womhlaba Wonke (GDP) wezindawo zokugcina khombisa ukuthi inyuka ngaphezu kuka-3%. Kulo mongo, kubonakala kunengqondo ukubheja kwenye yalezi zinkampani.
Awukwazi ukukhohlwa ukuthi ezinye zalezi zinkampani okwamanje zidayisa ngaphansi kwamanani abekiwe. Kepha okubaluleke kakhulu, njengoba ochwepheshe besho, namanje azikhombisi ukutakula kwemakethe futhi zingaphansi kokulindelwe okuboniswe izinkampani zaseYurophu emkhakheni. Kulesi simo, bekungeke kumangaze uma ezinyangeni ezizayo bezokhipha imali entsha ebizwayo kwikhotheshini yamanani abo. Ikakhulukazi uma izimo zemakethe zihambisana. Kuze kube seqophelweni lokuthi namanje azikhombisi ngokugcwele izisekelo ezithuthukisa ikota ngekota. Ezimweni eziningi, ziboniswa ngentengo yenani lazo langempela.
Ukunyakaza kwakamuva emakethe yamasheya
Kuzodingeka futhi ukusebenzisa ngokunenzuzo ukunyakaza okwenziwa ngamanani athile emakethe eqhubekayo yaseSpain. Enye yazo ibhekisa ekusebenzeni kwezenzo ze I-Ferrovial. Ujeziswe kanzima ngenxa yokusuka kweGreat Britain kwi-European Union. Akumangazi ukuthi nganoma yisiphi isikhathi ubuyela endleleni eya phezulu yeminyaka yakhe engcono kakhulu emalini.
Ngaphakathi kwaleli qembu elihlukile, ukuvela kwamasheya eLiberbank nakho kuyabonakala. Akumangalisi ukuthi kungaba elinye lamaqembu ezezimali eliye lazuza kakhulu kwi ukujwayelekile komjikelezo wesilinganiso senzalo. Ngenhla kwebhange elikhulu neliphakathi. Yize nge-aggravation yokuthi ibilokhu ihlelwe njengelinye lamavelu ngokunikezwa kwangaphambili kwabahlaziyi bezezimali. Kepha basuka ngokuzwakalayo, njengoba kulindeleke iningi labatshalizimali abancane nabaphakathi.
Imihlahlandlela okufanele ilandelwe emakethe
Uma ufuna ukwandisa ukusebenza kwe-equity yakho, ngeke ube nenye indlela ngaphandle kokukhuthaza uchungechunge lwezenzo ezizuzisa kakhulu izintshisekelo zakho. Ngedinominetha ejwayelekile kuzo zonke izimo, futhi lokho akuyona enye ngaphandle kokulondoloza imali yakho ngaphezulu kokunye ukucatshangelwa okungabalulekile.
- Imayelana ube nezimali ezithile ukusizakala ngamathuba ebhizinisi izimakethe zezezimali ezizokunikeza wona ngokuqinisekile.
- Kungakuhle kakhulu ukuthi uncike kumanani lokho ukuhweba ngezaphulelo ezibalulekile mayelana namanani abo wangempela. Noma okungenani lezo okufanele zilinganiswe.
- I-Los imikhakha ejikelezayo bazoba sethubeni elikhulu lokuthuthukisa ukwanda okuqonde mpo ezimakethe zezimali. Ngenxa yokukhula komnotho emhlabeni jikelele.
- Awudingi ukuzikhawulela ezimakethe zikazwelonke, kepha ungakwazi vulela ezinye izindawo zomhlaba jikelele. Lapho izimo zobuchwepheshe zikhona ukuncika kulezi ziphakamiso ngamasheya.
- Indlela enhle yokuya emphakathini sisebenzise ukulungiswa ezimakethe. Uzothenga ngentengo ephansi nangokubonga okukhulu.