Sisesontweni eliyisihluthulelo samasheya emhlabeni wonke, kepha ikakhulukazi abaseSpain, okungaholela enkambisweni ecacile yokwehla isikhathi esifushane, esimaphakathi neside. Ngemuva kokuthi inkomba ekhethiwe yezimali zikazwelonke isesimweni sokudlula ukwesekwa okubalulekile enayo kuma-euro ayizi-9.000. Kulokho okulungiselelwe njengesimo esisha sabatshalizimali abancane nabaphakathi.
Leli yizinga lokunquma kangangokuba yilona elinqumayo ukuthi ukuthambekela kwezinyanga ezizayo kuzokwenzeka yini kuzoba yi-bearish noma i-bullish. Lesi ngesinye sezizathu ezifanele kunazo zonke zokuthi kungani ukwesaba kufakiwe ezimakethe zezezimali. Ngomongo wezimakethe zamasheya okhathaza kakhulu futhi lokho akusizi izinkomba eziyinhloko zamazwe omhlaba ukunqoba le mpi ekhona phakathi komthetho wokunikezela nokufunwa. Ukubhekana nengxenye yesibili yonyaka lokho akuyona neze into enhle ngezintshisekelo zabatshalizimali abancane nabaphakathi.
Kunoma ikuphi, akukho kungabaza ukuthi kufanele ukulungele ukuzivumelanisa nalesi simo esisha esingavela ezimakethe zezimali kusukela manje kuqhubeke. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo. Ngoba lokho okusengozini akukho okungaphansi kwalokho ukuzinza kwesikhwama naleyo ongaqhuba ngayo imisebenzi ngeziqinisekiso eziningi kunempumelelo. Akumangalisi ukuthi kuvula ithuba lokuthi kufanele uvale zonke izikhundla ozivule ezimakethe zezimali.
Yini okufanele uyenze nge-Ibex 35?
Ukube lokhu bekungaba ukuphela kwalesi simo, akungabazeki ukuthi kuzodingeka ushintshe ngokuphelele isu lakho lokutshala imali kusuka kulezi zikhathi eziqondile. Ngenhloso eyinhloko yokonga imali yakho ngaphezulu kolunye uchungechunge lwezinto ezibhekwayo. Akumangalisi ukuthi ukuwa kwezimakethe zamasheya kuzwelonke nakwamanye amazwe kungaba namandla kakhulu. Ukuze iphuzu lokuthi inkomba ekhethiwe yama-equities kazwelonke, i-Ibex 35, ingafinyelela kumaphoyinti angama-8.000. Lokho wukuthi, ukufinyelela emazingeni lapho I-Brexit futhi lokho kube ngesinye seziphansi kakhulu eminyakeni yamuva.
Ngaphakathi kwalo mongo ojwayelekile, isikhundla sakho besingenakuba ngaphandle kokushiya izikhundla zakho ezimakethe zezimali. Noma ngabe intengo yakho yokungena kuzo ezinyangeni ezisanda kwedlula. Phakathi kwezinye izizathu ngoba uyabona ukwehla okunamandla ekucushweni kwamanani ezabelo zakho. Ngenkathi ngakolunye uhlangothi, uzoba nesikhathi sokuthenga amasheya ngamanani wokuncintisana kakhulu ezinyangeni ezizayo. Ngalokhu, iphothifoliyo yakho ingaba namandla wokubuyekeza aphakeme kakhulu kunamanje.
Ngingathenga?
Lelisu lokutshala imali lithinta konke ukuphepha nemikhakha yamasheya kazwelonke. Ayikho imikhawulo yanoma yiluphi uhlobo ekuyisa kuyo yenza isinqumo esihlukile. Ngalo mqondo, ngeke babe nenye indlela ngaphandle kokungabikho ezimakethe zezezimali isikhathi eside ngokwanele. Lapho kuzofanele uye kweminye imikhiqizo yezezimali ezinzile okungenani ekhiqiza imbuyiselo encane, noma ngabe incane kangakanani. Ngoba kumayelana nokuphela kosuku ukuthi awushiyi ama-euro amaningi emgwaqweni kusukela manje kuqhubeke.
Ngenye ingxenye, awukwazi ukukhohlwa nganoma yisiphi isikhathi ukuthi imakethe yamasheya ibilokhu ikhona kwanzima ukuba khona kwayo lapho bambalwa abahlaziyi bezezimali ababekulindele. Kuze kube seqophelweni lokuthi babikezela kusengaphambili kwamaphoyinti e-Ibex 35 kuye kwangama-9.500 9.500 njengophawu lokulinganisa lokuphela konyaka nokuthi kulokho okwaba ngumkhuba ocacile obheke phezulu, okungenani obhekiswe esikhathini esifushane naphakathi. Ngalesi sikhathi, ukuze ukuthambekele kokuya phezulu kube ngcono, bekungeke kube khona ukukhetha uma inkomba ekhethiwe yamasheya aseSpain idlula ileveli enamaphuzu angaba ngu-XNUMX XNUMX.
Chitha ihlobo ngokushelela
Enye yezinhloso zakho kuleli hlobo ezoqala ezinsukwini ezimbalwa ukuthi ube nesikhathi esithe cwaka kakhulu ngokubuka kokutshala imali emakethe yamasheya. Ngamanye amagama, uma unikezwe lesi simo esisha, kuzoba ngcono uma ungekho kunoma yiluphi uhlobo lokusebenza ezimakethe zezimali. Akumangazi-ke ukuthi kufanele ucabange ukuthi kuningi okulahlekile kunokukhokha njengamanje. Akuwenzi umqondo lokho engcupheni imali yakho ngokungadingekile kulezi zinyanga. Ngoba ungathola izimanga ezingezinhle ngomqondo wokuthi inganciphisa iminikelo yakho yezimali.
Ngakolunye uhlangothi, hhayi amanani angaphuma kulo mgibe we-bearish ongakhiwa ngalezi zikhathi. Ngisho nezindinganiso zemvelo yokuzivikela noma yokulondoloza ngoba ezinye zazo zazitholakala ku ukuvuka kwamahhala ngakho-ke zisengaba nokuwa okunamandla futhi ukulahleka kwakho kungaba kukhulu. Azikho izindlela zokupheka zemilingo zokubhekana nalesi simo esisha esethulwe izimakethe zokulingana zikazwelonke. Awekho amasu wokuthuthukisa izikhundla zakho emakethe yamasheya. Isici sobuchwepheshe se-Ibex 35 sikhathaza kakhulu izintshisekelo zabatshalizimali abancane nabaphakathi.
Yini esingayenza?
Njengoba ubhekene nalesi simo esikhathazayo impela, into engcono kakhulu ongayenza kusukela manje ukuya kwimikhiqizo yezezimali ezokhiqiza ukonga kanye nephuzu lenzuzo ezinyangeni ezimbalwa ezizayo. Ngale ndlela, inketho enhle ingamelwa yizimali eziqinisekisiwe zokutshala imali. Banikela nge- inzalo esondele ku-3% futhi zingasetshenziselwa ukwakha isikhwama sokulondoloza esithe xaxa noma esincane sesikhathi esimaphakathi neside. Noma yini eyenzekayo ezimakethe zezezimali, okungukuthi, ngemuva kwakho konke, imayelana nani njengamanje.
Omunye wemikhiqizo ongaya kuyo kusuka ekulondolozeni kuya ku- imali yasebhange okhangisayo. Lokho wukuthi, lezo ezingathuthukisa inzuzo yazo uma kuqhathaniswa namamodeli ajwayelekile kakhulu. Ukuthola cishe u-2% ngokukhokha okungaguquguquki nokuqinisekisiwe minyaka yonke okuzokwenzeka ekuvuthweni kwale mikhiqizo yezezimali. Ngenzuzo eyengeziwe ongayibhalisela ngayo isikhathi esifushane kakhulu sokuhlala unomphela, phakathi kwezinyanga ezintathu kuya kwezi-3. Futhi ukuthi basebenza njengebhuloho uze uphinde uqalise ngokutshala kwakho imali ezimakethe zezimali.
Ubuyela nini emakethe yamasheya?
Umbuzo wamarandi ayisigidi obuzwe yingxenye enhle yabatshalizimali abancane nabaphakathi. Umkhondo omuhle ukuthi ingxenye yesibili yonyaka ayikulungeli kakhulu ukutshala imali emakethe yamasheya. Okungenani kuzofanele ukwenze linda kuze kube yizinyanga zokugcina zonyaka ukubuyela kulezi zimpahla zezimali ngeziqinisekiso ezithile zokuphumelela ekusebenzeni. Kuya ngezindaba ezikhiqizwa ngalezi zikhathi. Ngenkathi elinye isu elilondolozayo ukupaka izimali ezimakethe zamasheya okungenani iminyaka embalwa ngenxa yengozi yokwehla komnotho emhlabeni.
Ngenkathi ngakolunye uhlangothi, unga futhi sisebenzise amanani aphansi ukuthi zakhelwe ukwakha iphothifoliyo eqinile yokutshala imali esikhathini esimaphakathi nesikhathi ikakhulukazi. Yize kwesinye isikhathi noma kwesinye isikhathi kungenzeka ukuthi ulahlekelwa yimali ekusebenzeni kwakho ezimakethe zezimali. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo. Ngale ndlela, amasu akho okutshala imali kufanele aqondiswe, ikakhulukazi esimweni esingesihle njengalesi lapho izimali zikazwelonke zisesimweni sokudlula ukwesekwa okubalulekile esinakho kuma-euro ayizi-9.000.
Gcina izikhundla zakho nemali yakho
Zonke izenzo zakho kumele zibhekiswe kuzo vikela imali yakho ngenkathi lesi simo sokungazinzi okuningi ezimakethe zezimali, kokubili kuzwelonke nangaphandle kwemingcele yethu, sihlala njalo. Lapho ubungozi bukhuphuke kakhulu futhi kungahle kungakufanele ukuvula izikhundla ezimakethe zamasheya izinyanga eziningi. Okungenani ngenkathi i-Ibex 35 ingalitholi izinga lamaphoyinti angama-9.500 XNUMX okuwumugqa ohlukanisayo manje phakathi komfula nomfula. Akumangalisi ukuthi awunakho okuningi ongakuzuza ngokuvula izikhundla emazingeni entengo amanje avezwa amasheya.
Ekugcineni, qaphela ukuthi akudingeki uzilinganisele ekuhwebeni emakethe yamasheya. Uma kungenjalo, kunalokho, uneminye imikhiqizo yezimali yokwenza imali oyongelayo izuze. Ngisho nokugwema ubungozi kulezi zimpahla zezimali, okungukuthi, ngemuva kwakho konke, okubandakanyeka ezimweni ezinokuguquguquka njengalezi esibhekene nazo okwamanje. Kungaba yisikhathi sokubuyisa izikhundla kwezinye zezimakethe ezihlukile okwamanje. Ngokuqondene nesibonelo, lokho kwempahla eluhlaza futhi ikakhulukazi okwegolide.