Inkomba ekhethiwe yezimali zaseSpain, i-Ibex 35, sekusele kancane ngaphezulu kuka-8% ngekota yokuqala yonyaka. Kulesi simo esivamile, elinye lamasu ambalwa atholakalayo kubatshalizimali abancane nabaphakathi ukusebenzisa ngokunenzuzo i-cataract yezinzuzo ezizosatshalaliswa yizinkampani ezibalwe ngo-Ephreli. Ukuze ngale ndlela, babe sesimweni esingcono sokunikela ngemali ethize kwi-akhawunti yabo yokonga. Lesi yisikhathi esihle impela sokukhetha lo mholo wabaninimasheya. Ngokusebenzisa i- inkokhelo engaguquki futhi eqinisekisiwe Lokho kuzokusiza ukuvikela ukulahlekelwa okwenziwe emakethe yamasheya selokhu kuqale unyaka.
Izimali zaseSpain azihambi ngezikhathi ezimnandi kakhulu. Lokhu kuyinto ecacile nokuthi kufanele uyicabange ngalesi sikhathi. Kepha iqiniso lokuthi u-Ephreli uyinyanga ethakazelisa kakhulu kuye Inkokhelo yezabelo, kungakwenza ushintshe isu lakho ngokuqala kwekota yesibili yonyaka. Ngaphandle kokuvela kwamanani ezimakethe zezezimali. Ngaphezu kwalokho, uhlelo olusebenza kahle kakhulu lokwakha utshalomali olususelwa emalini engenayo engaguquki ngaphakathi kokuguquguqukayo. Ngenzuzo ongayithola kuze kufike ku-7%.
Kunoma ikuphi, intwasahlobo iza yezimakethe ezihamba ngaphandle komkhuba futhi ezinokuhlanekezelwa okuningi kumanani entengo yama-stock indices ase-United States. Kulesi simo esethulwe yizimali zamazwe omhlaba, abatshalizimali banenketho phambi kwabo yokwenza imali kulo Ephreli. Ngoba ungahle ungayazi, kepha kule nkathi kukhona kufika ezinkampanini ezibaliwe eziyisishiyagalolunye eSpain enikeza abaninimasheya lo mholo okhethekile. Kungakunika enye injabulo evela kulezi zikhathi. Noma ngisho nokwanelisa enye into encane ngale ntwasahlobo esisanda kuyiqala.
Ukudla kwe-Ebro kuvula umnyango
Ngokuvuka ekuseni, umholo wenkampani yokudla kazwelonke kuhloswe ngayo. Ngoba impela, Ukudla kwe-Ebro bazokhokha ama-euro ayi-0,19 kubaninimasheya ezinsukwini zokuqala zika-Ephreli ngenzuzo etholwe ngenxa yemiphumela yabo yowezi-2017. indlela yokuqala leli qhinga ebudlelwaneni bakho nezimakethe zezimali ezilinganayo. Kuzoba nesikhathi esithe xaxa phambili sokwenza ngcono le mikhakha yenzuzo. Kuze kufinyelele kokungaphezulu kancane kuka-0,9% okuzonikelwa yi-Endesa ngenyanga kaJulayi.
Ngakolunye uhlangothi, enye yezinhlamvu ezinkulu eziluhlaza okwesibhakabhaka zezimali zaseSpain izokhokha isabelo sayo kule nyanga ka-Ephreli. Sibheka amasheya e-BBVA anikezela nge ukwahlukanisa isivuno 2,4%. Ngokuhambisana nalawo akhiqizwa kwezinye izikhungo zezikweletu ezihamba nezinga lenzalo elisuka ku-2% liye ku-3%.
Amabhange akhokhela abaninimasheya abo
Leli yicala elithile leCaixabank, nalo elikhethe u-Ephreli ukuthi akhokhe izinzuzo zalo kubaninimasheya baleli bhange. Kulokhu, inikeza umholo we-0,15 euros isabelo ngasinye, okulingana no-53% wenzuzo ehlanganisiwe. Inzuzo yale dividend ingu-3,3%. Ukuze uqedele lo mjikelezo wemiklomelo phakathi kwamabhange afanele kakhulu eSpain, lokhu kuqala kwentwasahlobo akunakubakhona esibophweni uBanco Sabadell asenza kubaninimasheya. Ngokuhambisana namamajini wangaphambilini kusukela ekupheleni kwale nyanga yokuvula izokwabela le nkokhelo kulabo asebevele basabalaliswa ngama-euro angu-0,02 ngesabelo ngasinye. Okusho ukuthi, ngokuphelele, bazothola Ama-euro angu-0,07 ngesabelo ngasinye. Akumangalisi ukuthi isivuno saso sonyaka senzuzo sisondele kakhulu ezingeni le-3%.
Ngemuva kwesikhashana, ngoMeyi, kuzoba ithuba lamanye amabhizinisi amakhulu njengeBanco Santander, ezokhokhela abanikazi bamasheya bayo izabelo ezihambisanayo zama-0,06 euros ngesabelo ngasinye. Kulokho okulungiselelwe njengenye ye- imikhakha ehola phambili ukwethula lo mholo ngalesi sikhathi sonyaka. Ngenketho ongakhetha kuyo ibhizinisi ukwenza ukonga kube nenzuzo kusuka manje kuqhubeke. Kepha ngomehluko omkhulu kulezi zinsuku uzoba nokuncipha kwemali ethe xaxa ku-akhawunti yakho yokubheka.
Eminye imikhakha enikela ngale nkokhelo
Ngaphandle kwengxenye yasebhange nawe unayo ezinye izindlela ukwenza le nkokhelo engaguquki isebenze minyaka yonke. Esinye salezi ziphakamiso simelwe yinkampani yamaphepha yaseGalician i-Ence, ezohlinzeka abaninimasheya ngama-0,066 euros ngesabelo ngasinye maphakathi no-Ephreli. Ngenkathi iyingxenye yayo, inkampani encane yokwenza imali efana neMiquel y Costas izokhokha isabelo sayo sama-euro angu-0,145 noma ngaphansi ezinsukwini ezifanayo nezethenjwa zangaphambilini zamasheya aseSpain.
Ukunikezwa akuphele lapha. Kepha, kunalokho, unezinye izindlela zokuthola inani lemali ukuze ukwazi ukukhokhela ezinye zezindleko zakho ezifanele kakhulu. Leli yicala elithile lenkampani emincane yokwenza imali Zardoya otis okuzoba nesibopho sokukhokha isamba esingu-0,08 sama-euro ngesabelo ngasinye ku-akhawunti yalo nyaka. Kodwa-ke, akusona esinye seziphakamiso ezinhle kakhulu zemakethe yamasheya ukusebenzisa leli su lokutshala imali. Njengoba inzuzo yaminyaka yonke yale nkampani ezimakethe eziqhubekayo zaseSpain ingu-1% kuphela. Kunoma ikuphi, enye yezindawo eziphansi kunazo zonke ezimalini zaseSpain.
Izinzuzo ezincane
Ukuqedela lokhu kunikezwa okukhiqiza izinzuzo ngenyanga ka-Ephreli, ezinye izinkampani ziyavela ezinikeza umholo olula kakhulu. Kuze kufike ezingeni lokuthi azizuzisi uma isifiso sakho ukwenza le nkokhelo kubaninimasheya ibe nenzuzo. Akumangalisi ukuthi uma ukhetha bona, kufanele kube ukuthola inzuzo ekusebenzeni. Okungukuthi, a umehluko phakathi kwentengo yokuthenga nokuthengisa ngaphezu kokubalulekile. Ngaphakathi kwaleli qembu elikhetheke kakhulu kune-Airbus, ezothi phakathi nalenyanga ikhokhe isamba sama-1,5 euros ngesabelo ngasinye. Kunoma ikuphi, ikhiqiza imbuyiselo yonyaka engu-1,6%.
Okokugcina, unenye indlela kuma-equities engathakazelisa kakhulu ngezintshisekelo zakho njengomtshali-zimali omncane naphakathi. Sisho I-Ena okumanje ingenye yezinkampani ezinenzuzo enkulu ukusebenzisa leli su lokutshala imali. Ngoba empeleni, kunikeza isivuno sesabelo semali esicishe sibe ngu-5% futhi esisemthethweni ngale nyanga. Kukhona, ngamafuphi, izinketho eziningi onazo ngo-Ephreli ukwenza izinzuzo. Ngenzuzo ongayikhetha phakathi kweziphakamiso ezahlukahlukene ezivela emikhakheni eyahlukene yemakethe yamasheya kanye nasemigqeni yebhizinisi.
Izinzuzo zokusebenzisa leli qhinga
Uma ekugcineni ukhetha ukusebenzisa lolu hlelo olwehlukile ku- ukukunikeza imali Ngeke ube nokhetho ngaphandle kokwazi ukuthi iziphi izinzuzo le nkokhelo yabaninimasheya ezokwenzela yona. Ngoba kule nkathi uzoba nochungechunge lwezinzuzo okufanele wazi ukubona ukuthi kufanele yini ukuya kule nkokhelo kumnikazi wamasheya. Njengesibonelo, kuzenzo ezilandelayo esikuvezela zona ngezansi.
- Kuzoba imodeli ezuzisa kakhulu khulisa ibhalansi ye-akhawunti yakho yokuhlola. Futhi ngale ndlela, yiba nokukhululeka okukhulu ukubhekana nezindleko zakho ezilandelayo. Noma ngisho ukukunikeza isifiso esingajwayelekile esincane kusukela manje.
- Kuyindlela ephumelela kakhulu yokwenza yenza umsebenzi ube nenzuzo kusukela ekuqaleni Of efanayo. Ngaphandle kokulinda ukuphela kwayo ukuze ube nentshisekelo ehambisanayo ngenxa yokuqedwa kokusebenza.
- Ungaqala ukwakha ifayili le- isikhwama sokonga eyenzelwe isikhathi esiphakathi noma eside. Akunandaba ukuthi ukuvela kwamanani abo kungaba yini ezimakethe zezezimali. Kunoma ikuphi, kuyicebo elilondolozayo elibhekiswe kuphrofayili ezimisele kakhulu yabatshalizimali abancane nabaphakathi.
- Ungakwenza qedela izikhundla kuthathwe izinsuku ezimbalwa ngemuva kokuthola inkokhelo yale nkokhelo kumnikazi wamasheya ku-akhawunti yakho yokuhlola. Ngenye yezinzuzo ezifanele kakhulu leli qhinga lokutshala imali elikunikeza lona. Ngaphandle kwezinye izindlela zobuchwepheshe ozisebenzisa nolunye uchungechunge lwezokuphepha kumasheya aseSpain.
- Uma umncane ukushoda kwezinsizakusebenza zemali, kungaba yisixazululo kulezi zinkinga zemali onazo ngalezo zikhathi. Akumangalisi ukuthi ezinye izimbuyiselo zifinyelela inzalo efinyelela ku-5%. Awukho omunye umkhiqizo wezezimali ozokunikeza lezi zimakethe zenzuzo. Akuwona ama-term deposits ngisho nama-akhawunti akhokha kakhulu.
- Ngeke ukukhohlwe lokho le nyanga ingenye yezibalo wokusatshalaliswa kwezabelo. Ungasizakala ngalesi sikhathi sokuhlangana ukukhetha leli su lokutshala imali. Ikakhulu ngesikhathi lapho izimakethe zamasheya zomhlaba wonke zingahambi ngezikhathi ezinhle kakhulu. Ukuze ngale ndlela, ukwazi ukwakha imali engenayo ngaphakathi kokuguqukayo.
- Ngale ndlela, ujwayele ukuba nesikhundla esikhululekile ukubhekana nezindleko zakho ezilandelayo.