Ukuthenga nokuthengisa amasheya emakethe yamasheya kuyindlela ekhethwa ngabatshalizimali ukwenza ukonga kwabo kube nenzuzo. Kepha kufinyelele lapho kunokukhathazeka okuthile ngokungenzeka kulezi zimakethe zezezimali. Ngaphandle kokuthi emasontweni adlule kube nokwenyuka okukhulu kwamanani ezabelo. Ikakhulu, kwezokuphepha ezihlanganiswe emkhakheni wamabhange nokunyakaza okujikelezayo. Futhi lokho kuholele enkombeni ekhethiwe yezimali, i-Ibex 35, ukuphinda ithole futhi amazinga amaphuzu angu-9.000 XNUMX.
Ngokuya ngemininingwane yakamuva enikezwe yi-BME, imakethe yamasheya yaseSpain ithengise inani lama-euro ayizigidi ezingama-28.019 kuma-euro ngo-Agasti, 14,2% ngaphansi kwenyanga efanayo yonyaka odlule kanye no-31,5% ngaphansi kukaJulayi. Inani lezingxoxo ngo-Agasti lalingu-3,1 million, okusho ukwanda ngo-5,8% uma kuqhathaniswa no-Agasti 2018 nokuncipha kuka-8,4% uma kuqhathaniswa nenyanga edlule. Le yimininingwane engakhombisa ukungabi nentshisekelo okuthile kwabatshalizimali abancane nabaphakathi ukuvula izikhundla kwenye yezimakethe ezibaluleke kakhulu zezezimali.
Kunoma ikuphi, sekuvele kunabasebenzisi abaningi abazibuza ukuthi bangakwazi ukuqondisa kuphi ukonga kwabo ngaphandle kokudlula emakethe yamasheya. Ukwesaba ukuthi izimakethe zamazwe zomhlaba jikelele zingakhiqiza okubalulekile kwehle lokho kungabashiya bexakeke ezikhundleni zabo. Vele ezinye izindlela ziphakeme kakhulu, kepha okungenani zinikeza ithuba lokuthi bangakwazi ukwenza isivumelwano neminye imikhiqizo yezezimali. Ukukhombisa ukuthi kukhona nokuphila ngale kwesikhwama.
Abatshalizimali Abazivikelayo: Izimali
Esinye seziphakamiso ezinhle kakhulu okwamanje kungaba izimali zokutshala imali ezihlanganisa ukulingana nezinye izimpahla zezezimali, njengokuphuma kwemali engenayo engaguquki. Ngale ndlela kungenzeka ukuthi kwehlukaniswe ukutshalwa kwezimali uma kwenzeka ukungazinzi ezimakethe zamasheya emhlabeni jikelele ngenxa ukwehla komnotho okungenzeka. Ngenkathi ngakolunye uhlangothi, kunikeza ukuvikelwa okukhulu ukuvula izikhundla esikhwameni sokutshala imali. Kuze kube seqophelweni lokuthi lokhu kungaba esinye sezixazululo zamaphrofayli alondoloza kakhulu noma okuzivikela ohlangothini lwabatshalizimali abancane nabaphakathi.
Ngakolunye uhlangothi, kulesi sigaba semali yotshalo-mali, izimbuyiselo aziphezulu kangako njengokunye. Kepha okungenani, ukulahleka kuncishisiwe lapho kubhekene nesimo esiyinkimbinkimbi ezimakethe zezimali. Imayelana ne- indlela yokuzivikela ongasisebenzisa ngalesi sikhathi ukuqeda ukuwa okungaba khona emakethe yamasheya. Ngenzuzo ongakwazi ukuhlehlisa izikhundla ngesikhathi osibona sifanele kakhulu. Kuhle ukuya kwesinye isikhwama sokutshala imali noma komunye umkhiqizo wezezimali onezici ezihlukile.
I-ETF ngokuvezwa okuncane emakethe yesitoko
Ama-ETF noma izimali ezihwebelana ngokushintshisana kungenye yezinketho onazo zokwanelisa izifiso zakho zokutshala imali. Akumangalisi ukuthi ingxube phakathi kwezimali ezihlangene kanye nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Kepha kunoma yikuphi, kuveza amakhomishini ancintisana kakhulu kunamamodeli wokutshala imali wangaphambilini. Ngenkathi ngakolunye uhlangothi, isikhathi saso saphakade asisona sezikhathi eziphakeme njengasesikhwameni sokutshala imali Uma kungenjalo, kunalokho, kunconywa kakhulu ngokwemigomo ephakathi kwezinyanga eziyi-6 nezingu-12.
Ngalo mqondo, ama-ETF noma izimali ezihwebelana ngokushintshaniswa zingenye zethuluzi lokubaleka, ngenzuzo enkulu noma encane, kusuka enkambisweni eyehle kakhulu ezimakethe zezimali. Yize kunjalo kuleli cala kubaluleke kakhulu ukwazi imishini yayo ngakho-ke yazi ukuthi usebenza kanjani kulo mkhiqizo wezezimali. Ngoba uma kungenjalo, ungahle ube nokucasuka okungaphezu kokukodwa kubhalansi ye-akhawunti yakho yokubheka. Okusho ukuthi, kufanele ukhethe izimali okuthiwa zihwebelana ngokushintshisana uma usuvele uthole ulwazi ekusebenzeni okwenziwe eminyakeni edlule.
Dala iphothifoliyo evikelayo
Lokhu kungenye yezinketho onazo njengamanje, yize kulokhu ngaphandle kokushiya izimakethe zezimali. Kulokhu, isu lokutshala imali lisuselwa ekukhetheni i- ubhasikidi wezihloko ezahlukahlukene kuthengiswa esidlangalaleni. Esikhundleni sokukwenza okukodwa futhi okunobungozi obukhulu ekusebenzeni. Kodwa-ke, ukuqala kwalolu hlelo ukwenza ukonga kube nenzuzo kuqiniso lokuthi ukuphepha kufanele kuqhamuke emikhakheni evikela kakhulu noma elondolozayo emakethe yamasheya. Njengesibonelo, izinkampani zikagesi, ukudla futhi ngokuvamile cishe zonke izibambiso ezingezona ezokujikeleza.
Omunye wemiphumela esemqoka ongayifinyelela ukuthi awusoze ulahlekelwe yimali engaka ezimeni ezimbi kakhulu ezimakethe zezimali. Kungenzeka nokuthi esikhathini sokuhlala esilinganiselwe noma esincane ube nezinzuzo ekusebenzeni kwakho, okungukuthi ngemuva kwakho konke lokho okubandakanyekile ezweni lemali elihlale liyinkimbinkimbi. Ngenkathi ngakolunye uhlangothi, ungakhohlwa ukuthi ukusetshenziswa kwaleli su ekutshalweni kwemali kuyinto enhle kakhulu ku- izikhathi ezeqile emnothweni. Phakathi kwezinye izizathu ngoba uvikela kakhulu imali yakho nezikhundla zakho.
Kunezinketho ezintathu, kepha zonke zivumelekile, ukuphuma esikhathini sokungazinzi okukhulu okungakhula nganoma yisiphi isikhathi. Lapho okubaluleke kakhulu ukungazibeki engcupheni futhi esikhundleni salokho funa ezinye izindlela eziphephile. Ngoba njengoba abatshalizimali abancane nabaphakathi bavame ukusho, kuhlale kunamathuba ebhizinisi, noma ezimeni ezingezinhle kakhulu ezimakethe zezezimali. Futhi kufanele ufunde lesi sifundo ukuze okungenzeki kweminye iminyaka kungenzeki kuwe, kepha esikhundleni salokho kufanele usebenzise ulwazi olutholwe eminyakeni eminingi. Ngenhloso yokugcina yemiphumela yaba engcono kakhulu kusuka manje, ngisho nasezikhathini ezingezinhle neze.