Abatshalizimali abancane nabaphakathi abaguqula imisebenzi yabo yezimali baye kwizibambiso ezikhokhela abaninimasheya babo ngokukhokha kwesahlukaniso minyaka yonke abahambi ngesikhathi esihle. Ngokusebenza okufike ezikhathini zako ezinhle kakhulu kusondela emazingeni ayi-10%. Kepha kubonakala sengathi lo mkhuba kulokhu kukhokha ufinyelele ezingeni eliphezulu kakhulu. Njengoba ukwazi ukubona ngale ndatshana.
Izabelo ziyingxenye ye- isu lokutshala imali ekhetheke kakhulu inhloso yayo enkulu, ngaphezu kokunikeza ukwenziwa kwemali, ube nemali engenayo engaguquki ngaphakathi kokuguquguqukayo. Ngaphandle kokuvela kwentengo yamasheya ezimakethe ezehlukene zezezimali. Ngoba empeleni, lo msebenzi ungenziwa ezimakethe zamasheya zaseSpain nangaphandle kwemingcele yethu. Yize kunemiphumela ethile yentela ezokhombisa okunye ukwehluka kuma-akhawunti akho.
Uma kukhulunywa ngebhentshi lokulingana likazwelonke, kunenqwaba yezinkampani ezifakwe kuhlu ezisebenzisa leli su lebhizinisi. Ukunikeza izinzuzo abazithola ngemikhakha yabo yebhizinisi. Ngokuphosa okukhulu kakhulu kwezinye izimo. Ngenkathi konke kudlula imikhiqizo emikhulu yasebhange eyenzelwe ukonga (imali yesikhathi, amanothi ezithembiso zasebhange, izikweletu zomphakathi, njll.
Izinzuzo: ukunciphisa inzalo
Kunoma ikuphi, lezi akuzona izikhathi ezinhle kubatshalizimali abakhetha leli su lokutshala imali abayilondolozile. Kuyiqiniso ukuthi baneziphakamiso eziningi zokwenza izimpahla zabo zizuze. Kuzo zonke izinhlobo nemvelo. Engxenyeni enkulu yezokuphepha ezibhalwe emakethe yamasheya aseSpain, ngaphandle kwemikhakha yazo kanye nezinga lazo lokwenza imali Kepha akusekho ukubuya kwangaphambilini. Isizathu esiyinhloko yingoba ukukhokhwa kwezabelo yehliswe ngekota yesithathu yonyaka ngo-4% uma kuqhathaniswa nesikhathi esifanayo ngonyaka odlule, ngokususelwa kudatha enikezwe yi-Henderson Global Dividend Index.
Kuze kube seqophelweni lokuthi inani lezinkampani ezaziphethe ukusabalalisa izabelo zazo kubaninimasheya lehlise inani lazo lemali laze lafika enanini 281.700 billion dollar ezinyangeni zokugcina zonyaka. Njengoba ukwazi ukubona, lesi yisibalo esiphansi kunazo zonke kusukela ngekota yesibili yonyaka wezi-2015. Lokhu empeleni kusho ukuthi uzoba nemali engaphansi kwemali ku-akhawunti yakho yokuhlola kusukela manje kuqhubeke kulo mqondo.
Esinye sezizathu zalesi simo esisha esivela manje kuma-equities yi-a beka izinzuzo ezingavamile. Okuthile okungafanele kukukhathalele ukukhombisa intshisekelo yakho ekuphepheni kwemakethe yamasheya okusabalalisa loholo. Kepha esikhundleni salokho ukuthi kubangela ukwehla kulezi zinkokhelo nge-akhawunti. Akumangalisi ukuthi uzobe usuthole ithuba lokuqinisekisa lo mkhuba ngokusebenzisa amasheya athile lapho uthathe khona isikhundla phakathi nalesi sivivinyo sokuhweba esiyinkimbinkimbi.
Futhi kwezinye izimakethe zomhlaba wonke?
Yonke le datha ihambelana nezimali ze-US. Kepha futhi kune-extrapolation ezimakethe zase-Europe, futhi-ke nakwiSpanish, okuyiyona oyithandayo kakhulu okwamanje. Kufinyelela izehlakalo zayo ngisho ezimakethe ezisafufusa okubonile ukuthi eminyakeni yamuva nje babone ukwehla okungaphezu kokuthokozelwayo kwesivuno esimaphakathi sezabelo zabo. Ngokuqondile, ngokuncipha kwamaphesenti ayisikhombisa wamaphesenti. Ngoba empeleni, izinkampani zaseChina zisika isinxephezelo sabaninimasheya. Kepha ikakhulukazi, kugqame emkhakheni wamabhange, ngenxa yokwehla kwenzuzo yezikhungo zezimali zase-Asia.
Ngokwalo mbono wenhloso ngokuphelele, kungashiwo ukuthi kusukela manje ngeke kusaba nenzuzo enkulu ukukhetha izinzuzo ezimakethe zamazwe zamazwe ezilinganayo. Noma okungenani hhayi kalula kokuzivocavoca kwangaphambilini. Kuzoba ithrekhi ethembeke kakhulu noma kancane ukuze ukwazi ukugxila isu lakho lokutshala imali kusuka manje kuqhubeke. Akumangalisi ukuthi ukubuyiselwa kwemali oyilondolozile kuzoba kuncane kusukela manje kulezi zimakethe zezimali. Ngaphandle kokwazi ukuthi bangavuka nini futhi ungavula izikhundla kwamanye amanani abo.
Izabelo eSpain
Kepha ngokuqinisekile okukukhathaza kakhulu yilokho okwenzeka lapha, ezimakethe zikazwelonke, okuyilapho uvamise ukwenza khona imisebenzi yakho emakethe yamasheya. Impela, lo mkhuba awufani nakwezinye izimo zangaphambilini, kungasaphelele ukuthi ufinyelele kulawo mazinga okuwa kwenzuzo yawo. Ngokuphambene nalokho, njengoba ucwaningo lukaHenderson lukhombisa ukuthi izinzuzo eYurophu ngalesi sikhathi zaba izigidi ezingama-19.000 zamaRandi, ezimele I-15,9% inyuka unyaka nonyaka ngenxa yezinguquko kunkomba nokuhluka kwesikhashana eSpain.
Kepha lokhu akwenzeki ngaso sonke isikhathi kuzo zonke izimo, njengoba abanye abatshalizimali abancane nabaphakathi bebona kokuhlangenwe nakho kwabo ezimakethe zezezimali. Ezimweni eziningi, kuzoncika enkampanini ekhethwe ukukhetha lo mholo wabaninimasheya othandwa kakhulu ngabasindisi ababambe iqhaza kakhulu noma abavikela ngokusobala.
Ngokwalo mbono owethulwe yile ndlela yokulingana kwamazwe, abanye abahlaziyi bezimakethe ababaluleke kakhulu bakhuluma ngeqiniso lokuthi Izinkampani zaseSpain ezibalwe ku-stock exchange bavame ukusabalalisa ngokulinganayo unyaka wonke, ngokungafani neYurophu yonke. Lokhu kuyabonakala, ngemuva kokuthi imiphumela yethuliwe ikhomba ukuthi umholo eSpain wafinyelela ezigidini ezingama-6.200 zamaRandi. Okusho ukuthi cishe ingxenye yesithathu ngaphezu kwalabo abakhokhelwe ezwenikazi laseYurophu.
Izithelo zesahlukaniso esingcono
Mayelana namasheya asekhaya, kufanele kuqashelwe ukuthi inenani elibalulekile elikhiqiza enye yezinzuzo eziphakeme kakhulu emakethe yezezimali. Ngokuphikisana nale datha enhle, kuyadingeka ukugqamisa ukuwa kwenzuzo yezinzuzo zenkampani kawoyela iRepsol, ngamaphesenti angu-4,7%. Ukusebenza okuhle kwazo zonke izinkampani zikagesi nakho kuyabonakala, kusuka emaphethelweni kusuka ku-3,50% kuya ku-7,50%. Kuhola ukuhlukaniswa kwalo mholo okutholwa abaninimasheya minyaka yonke.
Olunye ucezu lolwazi olwenza le nkokhelo ibe ngaphezulu kunezinye izindawo ngokwendawo ikakhulu kungenxa yemiphumela emangalisayo etholwe eYurophu futhi eyenza ukukhula okuyisisekelo kwezinzuzo kudlule ezinye izimakethe zezezimali kulo nyaka. Ngaphezu kwalokho, nge ukunikezwa okubanzi futhi okubanzi okukuvumela ukuthi ukhethe phakathi kweziphakamiso eziningi ezinikezwa ngamasheya aseSpain.
Ukuze uqinisekise lo mkhuba ukuthi inkokhelo yezabelo ihola ezweni lethu, kwanele ukuthi ubheke ukuthi kwenzeka kanjani maqondana namanye amazwe asendaweni eseduze kakhulu. Ngakho-ke, ngaphakathi kwendawo ye-euro, yiCzech Republic ekhombisa izimbuyiselo eziphakeme kakhulu zalo mqondo. Ngenkokhelo ekhiqiza isilinganiso senzalo esiphakame kancane kuno-5%, ngenkathi iSpain iseqenjini labakhokhelwa ngokuyinhloko kusukela kule nkokhelo kubaninimasheya ngesivuno esingu-4,10%. Ngokuhambisana nalokho okunikezwa yinkomba yokuma kwezwekazi i-Eurostoxx, nangaphezulu kwamazwe anesisindo esithile ezimakethe zezimali, njengasendabeni ethile yeFrance, i-Italy noma iJalimane.
Bakhokhiswa nini?
Esinye sezici zezinzuzo emakethe yamasheya ukuthi zingaqoqwa ngezikhathi ezahlukahlukene, kuya ngenqubomgomo yemiholo yenkampani ngayinye efakwe ohlwini. Imvamisa isikhathi esikhethwe izinkampani semi-ngonyaka noma ngonyaka. Kunoma ikuphi, akukho ukushoda kwemikhakha - efana nokubhanga - ekhetha inkokhelo yekota. Lokho, izikhathi ezine ngesikhathi sokuzivocavoca ngalunye. Ukuze ube nesikweletu esikhulu kwi-akhawunti yakho yokuhlola ukuze ubhekane nezinkokhelo ezithile okufanele uzicabange ngalezi zikhathi.
Ukhokhisiwe ngaphansi kokuguquguquka okukhulu kumanyolo wakho. Ungabathola ngqo ezikhathini ezibekiwe ezivunyelwe izinkampani. Noma, ngokuphambene nalokho, zibuyise ekuthengweni kwamasheya amasha ukuze unikeze amandla athe xaxa otshalweni lwakho. Njengomphumela waleli su elikhetheke kakhulu lokutshala imali, uzobe ukulungele ngokuphelele ukukhuphula imbuyiselo kulondolozo lwakho. Kuyindlela ongayithuthukisa ikakhulukazi uma uya esikhathini esiphakathi noma eside.
Kufanele futhi ukhumbule ukuthi ezinye izinkampani ezimakethe zamasheya zaseSpain zikhiphe izinzuzo ngaphakathi kwenqubomgomo yazo yemiholo. Njengomphumela wokwehla kwenzuzo etholakale enkingeni yezomnotho kusukela ngonyaka we-2007. Ngakolunye uhlangothi, kubangelwa ukuhamba kwabatshali bezimali abaningi abancane nabaphakathi ezikhundleni zalezi zivikeleko. Kuphinde kuthintwe yisilinganiso samanani abo ezimakethe zezimali. Kuze kufike emazingeni aphansi kakhulu eminyakeni yamuva.
Ngokwalo mbono, izabelo zingaqhubeka zibe ngesinye sezikhuthazo zokuthi uqhubeke kusukela manje ku-equities. Akumangalisi ukuthi inikeza ukubuyiselwa kokulondoloziwe okuphezulu kunalokho kwemikhiqizo yasebhange kususelwa kwimali engenayo engaguquki (imali yesikhathi, amanothi ezinkampani, amabhondi, amabhondi nezikweletu zikahulumeni, phakathi kwezinto ezibaluleke kakhulu. Ezingeni le-0,50%. ukwehlisa intengo yemali ngenqubomgomo ephakanyiswe yi-European Central Bank (ECB). Kubangela ukuthi abaningi abasindisayo baphambukise iminikelo yabo yezomnotho, kusuka emholweni ongaguquguquki kuya kokuguqukayo. Kakhulu kwezinye izimo.