Enye yemingcele ebaluleke kakhulu okumele uyenze ukukala ukuvela kwemali oyitshalile ngesilinganiso se-Ibex 35. Ngoba empeleni, inkomba yesitoko sikazwelonke izoba ngenye yama-thermometer kuhambisana kakhulu ukunquma ukuthi izimali zisebenza kanjani. Ngokuya ngokuziphatha kwakho, kuzoba isikhathi sokungena noma ukuphuma ezimakethe zezezimali ukuzama ukwenza imisebenzi enenzuzo oyenza ibe semthethweni ezimakethe zezezimali.
Ngokwalo mbono, azikho izinkomba eziningi imakethe yamasheya yaseSpain ekunikeza yona. Ngoba sekuvele izinyanga eziningi, ziningi kakhulu kweyodwa ukuthambekela kwe-lateral lokho akuqedi ukushiya. Ngokwehla nokuhla kwayo okulandele isikhathi esingaphezu kwesisodwa esikwazi ukukudukisa lapho usungula amasu akho okutshala imali. Kusukela kulesi sigaba, into eyodwa icacile kuze kube manje. Akuyona enye ngaphandle kokuthi ngokuqinisekile ngeke uzuze izinzuzo zezimali iphezulu kakhulu kuphothifoliyo yakho yokutshala imali. Okungenani uma ukhethe inkomba ekhethiwe.
Kunoma ikuphi, kuhlale kunochungechunge lwamasheya asebenze kangcono kunesilinganiso sikazwelonke eminyakeni yamuva. Akunandaba, akuyona enye yezinto ezinhle kakhulu zokutshala imali kumasheya. Kokubili ezimakethe zikazwelonke nangaphandle kwemingcele yethu. Yize eminye yemibuzo ekukhathaza kakhulu manje ukuthi i-Ibex 35 ingahamba ibanga elingakanani.Imibono yabahlaziyi bezezimali kubahlaziyi bezezimali miningi futhi inemvelo ehlukahlukene. amazinga ongafinyelela kuwo esikhathini esifushane naphakathi.
Ibex 35: inemikhawulo kuphi?
Ukuphendula lo mbuzo izinkulungwane nezinkulungwane zabatshalizimali abancane nabaphakathi abanakho, akukho okungcono kunokubuza ukuthi yikuphi ukungabaza okubambe imakethe yamasheya aseSpain. Vele baningi kakhulu kunalokho ongakholelwa njengamanje. Ngaphakathi komkhakha wezomnotho kazwelonke, kodwa futhi nakwezinye izindawo zokubaluleka okukhethekile kwabo bonke abasebenzisi. Noma iyiphi indlela, ethile isexwayiso sokungena ezikhundleni ivulwe ngabatshalizimali baseSpain.
Kulesi simo, ukukhethwa kwezimakethe zamasheya zaseSpain kukhombe ukwazisa okuncane phakathi nezikhathi zokugcina zemakethe yamasheya. Ngokushintshwa kwezinto okungekho kulezi zinsuku ezeqe amazinga we-1%. Ngokwengxenye enkulu ngenxa yokubekwa ngamabhange kazwelonke. Okwamanje, abatshalizimali abathengisayo balinde ngokwemvelo imininingwane emikhulu evela ku- I-European Central Bank (ECB), wokuqashwa kanye neFederal Reserve yase-United States (FED) okuzokwenzeka ezinyangeni ezizayo. Akumangalisi ukuthi bazoba nesinqumo esiqinile ekuhleleni inkambo yezimakethe zamasheya zaseSpain nezomhlaba wonke.
Ithonya lezimakethe zamasheya zaseYurophu
Ngokuqiniseka konke onakho futhi ozoba nethonya elikhulu kulokho okwenziwa ngamanani ezwekazi elidala. Ngoba zixhunyaniswe ngokusondelene futhi kunezintshisakalo eziningi ezijwayelekile ezibonisa ukuthambekela kwazo. Kulokhu, ngaso sonke isikhathi kuhlale kufiseleka kakhulu ukuthi ubheke lezi zinkomba zamasheya ukuthi uzovala nini ukuvula izikhundla ezimakethe zezimali zikazwelonke. Bazokunikeza izimpawu zosizo olukhulu ukuhambisa imisebenzi yakho ezimakethe zezezimali. Ngisho ukukunikeza umhlahlandlela ongajwayelekile wesenzo kulokho onakho noma ongakwenzi ngaso sonke isikhathi.
Kunoma ikuphi futhi ngalesi sikhathi esiqondile, imakethe yaseYurophu inesimo esifana nesethu. Lapho zilinde amapharamitha afanayo njengasemakethe yamasheya aseSpain. Njengoba kwenzeka kulezi zikhathi eziqondile, lapho zonke izimakethe zezezimali zazi kakhulu ngemininingwane esemthethweni yokugcina uwoyela ongahluziwe ukubona ukuthi sinokukhula okuqinile yini kuwo, njengoba kuthuthukiswe yimithombo eminingana efanelekile exhunywe kulo mkhakha womnotho wezwe.
Kunoma ikuphi, i Ipolitiki empeleni igubha unyaka esibe semakethe yezimali izinyanga ezimbalwa. IBrexit, Ukhetho eFrance noma izinqumo zezomnotho zomongameli omusha wase-United States, uDonald Trump, ngokungangabazeki zikhipha abatshali zimali abancane nabaphakathi. Akumangalisi ukuthi konke kubonakala kukhombisa ukuthi banethonya elikhulu noma elingaphezulu kunemiphumela ekuguqukeni kwezinkampani ezibalwe. Y Konke kubonakala kukhombisa ukuthi u-2017 uzonikela ngokufanayo futhi ngaphandle kwesixazululo sokuqhubeka.
Amazinga enkomba akhethiwe
Kunoma ikuphi, umbuzo wezigidi zamadola uthi i-Ibex 35 ingahamba ibanga elingakanani. Ayikho induku yomlingo yokuqagela ngokuqiniseka okuphelele. Kepha kukhona amazinga athile azothatha isinqumo sokukhombisa ukuvela kwawo ezinyangeni ezizayo. Idatha kakhulu yokusebenza kwesikhathi esifushane naphakathi. Yebo, kulesi simo esingaba khona kunokuhlukahluka okuningi okungabalwa ngalesi sikhathi. Enye yezinto eziyinhloko ukuthi ungakwazi ukufinyelela amazinga amaphuzu 12.000 esikhathini esimaphakathi.
Kungalezi zintengo lapho inokunye kokumelana okufanele kakhulu. Akumangalisi ukuthi umuntu aqondane nokufika kwezikhathi zayo eziphakeme kakhulu eminyakeni embalwa edlule. Uma le njongo efiselekayo ifinyelelwa, akunakuphikwa ukuthi ingafinyelela izilinganiso eziphakeme kakhulu. Ngezinga abengangena ngalo esigabeni ukuvuka kwamahhala. Kepha sikhuluma ngokuqagela nje ngoba kusenezinyathelo eziningi eziphakathi zokugxila kunkomba yesitoko semakethe kazwelonke yamasheya.
Okwamanje, inhloso enesizotha futhi engabizi kakhulu esetshenziswa ngabahlaziyi bezezimali itholakala kokubalulekile Isithiyo samaphoyinti ayi-10.000. Akuyona nje iphuzu lomlando eliyisithenjwa, kepha futhi lakha ukwesekwa okudala okwephula ukuqala ukuthambekela okuye kwaholela ekutheni kuvivinywe futhi kudlule ngisho nama-euro ayizi-8.000. Akunqatshelwe ukuthi uma imakethe yamasheya ihambisana kahle nedatha ye-macroeconomic ingayifinyelela kulo nyaka. Azisebenzi, ngoba ngakolunye uhlangothi kuyaqondakala ngokuphelele uma ungumsebenzisi ojwayelekile wezimakethe zezezimali.
Isexwayiso emikhiqizweni enolaka
Ukuze ukwazi ukulandela ukuthambekela okungenzeka kwezimakethe zamasheya zaseSpain, kunconywa kakhulu ukuthi ugxile emisebenzini yendabuko yemakethe yamasheya. Ukushiya eceleni imikhiqizo yezezimali esezingeni eliphezulu futhi enobudlova ngenxa yezingozi ezinkulu ezihilelekile ekusebenzeni kwazo. Kuyiqiniso ukuthi izinzuzo zingaba zikhulu kakhulu kunokuthenga nokuthengisa amasheya emakethe yamasheya. Kepha futhi ungakwenza ngikushiye ama-euro amaningi endleleni. Kungenzeka ukuthi ngaphezu komnotho wakho wasekhaya ukuvumela okwamanje.
Esinye sezizathu zokwenza lokhu kuzimisela kungenxa yesincomo sabaphathi abasha be- Ikhomishini Yemakethe Yamasheya Kazwelonke (CNMV) kumonakalo omkhulu le mikhiqizo engakudalela wona. Kuze kube sezingeni lokuthi ezitatimendeni zabo baqinise uthango lwabo kubo futhi ngendlela ecacile necacile. Lapho, umongameli womlawuli wemakethe, uSantiago Albella, eveze ngokusobala "ukukhathazeka" kwakhe ngokuthengiswa kwemikhiqizo njengezinkontileka zomehluko (CFD) noma imisebenzi kanambambili.
Kufanele ukhumbule ukuthi namuhla izinhlobo eziningi zalezi zici sezivelile ezingadala inkinga engaphezu kweyodwa ngesikhathi senqubo yokutshala imali. Akufanelekile kakhulu ukuthi usebenze ezimakethe ezehlukene zezezimali. Lapho into engcono kakhulu ongayenza kusukela manje kubeka eceleni. Ukuze ngale ndlela, ugweme ukuwela ezimweni ezingafuneki futhi zingaholela ekulahlekelweni yingxenye ebaluleke kakhulu yenhlokodolobha etholakalayo.
Kuthiwani uma imakethe yamasheya yehla?
Futhi awukwazi ukukhipha umthetho, okungenani, ukuthi izimali zilahlekelwa yizikhundla kusuka manje. Kuyisimo okufanele usibone kusengaphambili ukuvikela imali yakho. Ngokusebenzisa amasu ahlukene inhloso yawo enkulu ukunciphisa ibhalansi ye-akhawunti yakho yezokuphepha. Enye yazo ivela kulayini wesenzo olula njenge hlukanisa lonke utshalomali lwakho. Ngaphandle kokutshala yonke into ekuvikelekeni okukodwa, kwempahla noma kumkhiqizo wezezimali. Kepha ngokuhlukile, okungukuthi, ngamamodeli ahlukene wokutshala imali.
Enye inkambu yokusebenza okufanele uyisebenzise le ndlela yileyo etholakala ekubeni ukuzivikela kakhudlwana ekuthengeni kwakho. Ngoba empeleni, ungakhetha amasheya amancane ajikelezayo afaneleka kangcono ezimeni ezingezinhle neze zamasheya ngokujwayelekile. Ngisho ukuhlanganisa le mpahla yezezimali nemali engenayo engaguquki noma ngisho nezinye izindlela zokutshala imali. Okungenani kuzokwenza ulahlekelwe yimali encane uma isitoko singaziphathi ngendlela obulindele ngayo futhi sehle ngamanani aso.
Esinye isiphakamiso salezi zimo ezikhetheke kakhulu sivela kufayela le- ukugcinwa kwempahla kuma-akhawunti akho ngezikhathi ezithile kulo nyaka. Kuzoba ukhiye osebenza kahle kakhulu ukuze ukwazi ukusebenzisa amathuba webhizinisi ongawethulwa kuwe ezinyangeni ezizayo. Ukuze ube nezinsizakusebenza ezidingekayo zokubhekana nokusebenza. Okungenani ngengxenye ebaluleke kakhulu yokonga onayo ku-akhawunti yakho yokuhlola.
Okokugcina, ngeke ukhohlwe futhi akufanele ukhohlwe ukuthi awukwazi ukutshala imali kuphela kwizimali zamazwe, kepha kukhona impilo ngale kwalokho. Ngemisebenzi engaba ngaphezu kokuthakazelisa ngezidingo zakho zenzuzo eyinhloko. Kungaba isikhathi esihle kakhulu sokwenza le misebenzi.