Lona ngomunye wemibuzo efanelekile abatshalizimali abancane nabaphakathi abazibuza yona okwamanje. Ngoba bayamangala ukuthi akukaze kube khona ukudonsa okubaluleke kakhulu kwe-bearish kuze kube manje. Inkomba ekhethiwe yezimali zikazwelonke, i-Ibex 35, seyihambe izinyanga ezimbalwa phakathi kwamazinga we Amaphuzu angama-9.000 9.500 no-XNUMX XNUMX. Ngaphandle kokuphambuka okuphawulekayo kulawa ma-margins entengo nokuthi ngandlela thile kubangela ukuphelelwa yithemba engxenyeni enhle yabatshalizimali abathengisayo.
Kulesi simo, kunzima kakhulu ukwenza imisebenzi ngeziqinisekiso ezithile zempumelelo njengoba bengazi nokuthi ukwehla komnotho okwenzakalayo osekuhleli, okungenani izinyanga ezimbalwa, kwehlisiwe. Kulesi simo esinzima, kuyinto ejwayelekile ukuthi umtshali-zimali ngezikhathi ezithile akacaci kahle ukuthi enzeni, noma yiziphi izindlela zokutshala imali azisebenzisayo kulezi zinsuku. Ngokunqunta okungakaze kubonwe iminyaka ethile.
Ngenkathi ngakolunye uhlangothi, kubaluleke kakhulu futhi ukuthi kwenziwe ukhetho ezimpahleni zezimali ezizoba yingxenye yephothifoliyo yethu elandelayo yokutshala imali. Nenkinga yaphakade yokuthi ukhethe i amanani anolaka kakhulu noma uma, ngokuphambene nalokho, isinqumo esihle kunazo zonke simelwe iziphakamiso zokuzivikela kakhulu noma ezilandelanayo. Ngokwengxenye, ngenxa yemiphumela ukwehla komnotho okungakukhiqiza ezimakethe zezimali. Lapho noma iliphi iphutha ohlangothini lwakho lingalahlekisela izintshisekelo zakho siqu kakhulu.
Imiphumela yokwehla kwamandla emakethe yamasheya
Kukhona iqiniso elicace bha futhi lokho ukuthi imakethe yamasheya yaseSpain ihweba ngamazinga afanayo neminyaka emihlanu edlule. Lokho kungukuthi, ngaphandle kwentuthuko, kepha hhayi ukulahlekelwa izikhundla ekuhambeni kwabo emakethe yamasheya. Lapho kuyiqiniso khona ukuthi ezinyangeni ezimbalwa izimakethe zezimali ezilinganisiwe zikwehlisile ukufika komnotho omusha. Kepha ngomehluko wokuthi kuningi ukwedlula imali eningi kunezinye izimo ezinalezi zici ezifanayo. Ngenxa yezifiso ezivele ezinhlanganweni zomphakathi futhi ezibe nemiphumela emihle kakhulu ezimakethe zezimali.
Kusukela kulesi simo, akunakwenzeka ukuthi ukwehla emakethe yamasheya kuzoba phansi kakhulu uma kuqhathaniswa namazinga amanje. Kuze kube seqophelweni lokuthi izikhundla zingathathwa esikhathini esimaphakathi neside. Ngamathuba athile ebhizinisini angaheha kakhulu kusuka manje. Kwesinye isikhathi ngamanani aqinile kakhulu kwamanye amanani we-Ibex 35 nalokho mema izikhundla ngabatshalizimali abancane nabaphakathi. Njengoba kunconywe abanye babahlaziyi bemakethe ababaluleke kakhulu.
Kukhona ukukhuluma ngendlela yokuphuma komnotho
Kunoma ikuphi, sekunemibiko ethile yezomnotho ekhuluma ngosuku lokuphelelwa yisikhathi lokwehla komnotho futhi lokhu kungowe-2021. Futhi kusukela kulokhu, izimakethe zamasheya lindela izimo zezomnotho. Ngokwethiyori, njengoba kuwukuncipha komnotho okunamandla aphansi, bekungeke kumangaze uma ngonyaka ozayo kungaba nokudonsela phezulu ngamandla athile. Ngakho-ke kuzoba yithuba labatshalizimali abanephrofayili enolaka kakhulu. Ikakhulu, ngokusebenza kwezibambiso zemakethe yamasheya yaseSpain ethula izinga eliphakeme lokuthengiswa ngaphezulu.
Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi enye yezikhiye zokugwema ukuwela kumkhuba owehlayo ngamasheya aseSpain ukuthi Izinga lamaphoyinti ayi-8.500 XNUMX. Uma nje ingaphezu kwamamaki athile singaba nokuzola okuncane noma okuncane ukusuka kunoma yikuphi ukubukwa. Ngaphandle kokusebenza okwenziwe ngesikhathi esifushane. Kunoma ikuphi, kungenzeka ukuvula izikhundla ezimakethe zamasheya kusuka kumasu alinganiselayo kunakuqala. Ukuze ngale ndlela, izinga lezinzuzo lingakhushulwa kusukela manje kuqhubeke.
Hlukanisa izimpahla ezehlukene zezezimali
Ngakolunye uhlangothi, kuhlale kukhona isisetshenziswa sokuhlanganisa izimpahla zezimali eziningana njengefomula yokulondoloza imali ngaphezulu kokunye ukucatshangelwa kobuchwepheshe. Ngalo mqondo, esinye seziphakamiso kufayela le- utshalomali olusha kusekelwe ekukhetheni eminye imikhiqizo ehambisana nokutshalwa kwezimali okuyinhloko kumasheya. Futhi lapho ungenza khona noma yiliphi isu lokwenza inzuzo ngokulondolozwa kwemisebenzi emakethe yamasheya.
Izimali zingandiswa nge izimali zokutshala imali, imali yasebhange yesikhathi esinqunyiwe. Ukuze ungabi nayo yonke imali oyongile kubhasikidi ofanayo futhi ngale ndlela ungalahlekelwa yingxenye ebaluleke kakhulu yemali oyitshalile. Hhayi ngeze, kuwumkhuba ukuthi abatshalizimali abanolwazi oluningi kulolu hlobo lwemisebenzi benza kaningi kakhulu.
Izindinganiso ezingaletha injabulo
Elinye lamagugu emakethe yamasheya aseSpain elingaba nenzuzo enkulu ngalesi sikhathi Imephufre ukuthi ulinde ama-euro ama-3 nokuthi kungekudala noma kamuva uzokuthola. Ngaphandle kokuthi okunye ukusikeka kungenzeka ngezikhathi ezithile zonyaka ngenxa yokungazinzi ezimakethe zezimali. Ngenani elengeziwe elihlinzeka ngesivuno sedivaydi okungenye yezinto ezikhanga kakhulu okwamanje. Ngenzalo emaphakathi yaminyaka yonke engaphezudlwana kuka-6%, engenye yezinga eliphakeme kunkomba ekhethiwe yezimali zaseSpain, i-Ibex 35.
Ngenkathi amasu okutshalwa kwezimali encike kokungenzeka kusukela manje kuqhubeke ISolaria. Kulokhu, ngoba inikeza amandla okubuyekeza okusikisela kakhulu ukuthatha izikhundla kulesi sikhundla, ngakolunye uhlangothi esinobungozi obuningi ekusebenzeni. Kepha ngaphandle kwalokhu, kubonakala sengathi kunganikeza ukwaneliseka okungaphezu kokukodwa kubatshalizimali esikhathini esifushane naphakathi. Yize yenzelwe iminikelo yemali isesilinganisweni esincane kakhulu kunaleyo esele ngoba izingozi zayo ziphakeme kancane, ukuze ngale ndlela, izinga lezinzuzo likhuphuke kusukela manje kuqhubeke.
Uma ukwakheka kukahulumeni kubhaliwe
Ngokuphambene nalokho, uma ukwakhiwa kukahulumeni ongase akhiwe ezweni lethu kunomthelela. Ukuthi kuleli sonto i-Ibex 35 yehle isuka kumaphoyinti angama-9400 yaya kumaphoyinti angama-9000 lapho ivalwe khona ngoLwesihlanu. Lapho okuthinteke kakhulu kube umkhakha wamabhange oholele ekulahlekelweni emakethe yezimali kazwelonke. Ngokuncipha kwansuku zonke ngaphezu kwe-2% kwezinye izimo ezifana neBankia esondela ku-5%. Ukunyakaza okuyingozi kakhulu kwezintshisekelo zabatshalizimali abancane nabaphakathi. Akumangalisi ukuthi ukwesekwa okuningi kwephuliwe obekubalulekile ngokukhethekile ukugcina umkhuba obheke phezulu abebecwiliswe kuwo ezinyangeni ezedlule.
Lezi yizindaba ezingathathwanga kahle kakhulu ngabenzeli abehlukene ezimakethe zezimali. Ukuthi ezimweni eziningi bakhethe ukuhlehlisa izikhundla zabo ukuze babuyele kwisikweletu ku-akhawunti yabo yokonga ngaphambi kokungenzeka kusukela manje kuqhubeke. Lapho izibikezelo zingavumi kakhulu ukungena ezimakethe zezimali, njengoba sekubonile kulezi zinsuku ngakho-ke okunamandla emakethe yamasheya ezweni lethu. Okusho ukuthi, izinto azibukeki zizinhle kakhulu ukuze ezinsukwini ezizayo wenze izikhundla zakho zizuze ngalezi zindlela zokutshala imali. Uma kungenjalo, kuzoncika ngokweqile ekutheni izimpendulo zizoqhubeka nokuba njani ezigcawini zikazwelonke. Yize konke kubonakala kukhombisa ukuthi lo mkhuba ungafana naleli sonto esisele nalo.
Imikhakha eminingi yokuzivikela emakethe yamasheya
Kunoma ikuphi, kufanele kuqashelwe ukuthi isimo somhlaba wonke siyaqhubeka nokuba nenhle kakhulu kubatshalizimali. Kuze kube sezingeni lokuthi izimali zaseMelika ziphinde zakwazi ukwephula ezinye izikhathi eziphakeme. Yize bonke abatshalizimali abancane nabaphakathi besazi isikhathi lapho ukulungiswa kwenzeka ngoba akunakukhohlakala ukuthi bangaba nodlame kakhulu ngenxa yokuma kokwenyuka kwangaphambilini. Lapho ukuqapha kufanele kube yisikhali esikhulu esisetshenziswa ngabasebenzisi besitoko. Ngaphezu kwamasu wokutshala imali anolaka kakhulu, kepha axhumene kakhulu nokusebenza kobungozi obuphakeme kunamanje.
Eminye yale mikhakha, okumangaze iningi labasebenzisi, iyazivikela kepha lokho phela kukhombisile ukubuyela emuva emasontweni adlule. Kubaluleke njengokuhlola ukuphuma ezimakethe zezimali. Ngoba bangasenza sibe nzima isimo sakho ezinsukwini ezizayo ngakho-ke ukuba khona kwakho akulungile. Hhayi ngeze, kufanele sicabange ukuthi kukhona okuningi esingakulahla kunokuwina. Lokho, hhayi iziphakamiso ezizuzisayo kusukela ekubukeni kwenzuzo. Uma kungenjalo, ngokuphambene nalokho, bangakhomba izingozi ezithile okufanele bazigweme.