Inkomba yezokulingana kuzwelonke, i-Ibex 35, ivalwe ngesonto eledlule ngokunyuka kuka-0,50%, okuholele ekutheni amanani ayo abe sezingeni eliphezulu kakhulu. cishe amaphuzu angu-9.400. Abakhetha iSpain bavala amasonto amane alandelanayo ekukhuphukeni futhi bacishe babe phezulu kakhulu kusukela ngoJulayi wangonyaka odlule. Le yidatha ehamba phambili ezimakethe zezimali kusukela ngehlobo eledlule. Leli qiniso likhuthaze abatshalizimali abaningi abancane nabaphakathi ukuthi bazibeke kabusha ngenhloso yokwenza ukonga kwabo kube nenzuzo.
Kepha futhi kungaba wugibe izimakethe zezimali ezilungiselele ukubamba inani elihle labasebenzisi. Ngoba kuyamangaza ukuthi lokhu kuphakama kwenzeke ngokuwohloka komnotho okunamandla ekwenziweni nokuthi sekuvele kushaya umnotho waseJalimane onamandla. Lapho singeke sikhohlwe ukuthi okwenziwa yimakethe yamasheya kumane nje kulindele isimo esizayo, njengoba kwenzekile emashumini eminyaka amuva futhi ikakhulukazi enkingeni yezomnotho yango-2008. Ukuze abatshalizimali bangazi lutho ngokwenzekayo ezimakethe zezimali zamazwe omhlaba .
Ngakolunye uhlangothi, kufanele kuqashelwe ukuthi enye yezinkinobho zokuhlukanisa okungahle kube umkhuba okhuphukayo kusuka kumkhuba owehlayo usezingeni lephuzu le-9.000. Lokho wukuthi, kusondele kakhulu kuzintengo zamanje ngakho-ke kungadlulwa nganoma yisiphi isikhathi. Lokhu empeleni kusho ukuthi sibhekene namazinga entekenteke kakhulu futhi angeke asitshele okuningi ngamathemba emakethe yamasheya kazwelonke ezinyangeni ezizayo. Ukwenza ingozi enkulu esibhekene nayo a isicupho esinokwethenjelwa kakhulu lokho kungasigcina sibambeke ezikhundleni isikhathi eside.
Ukulayisha okungamanga kuzotholwa kanjani?
Ngokuyisisekelo ngoba kungekudala i-Ibex 35 izobuyela ekuhwebeni ngaphansi kwama-euro ayi-9.000. Ukufika ezingeni lokuthi uma bekukhona, inhloso yokuqala bekungaba kumaphuzu ayi-8.300 ukuthi iphuzu elifinyelelwe ekuphahlazekeni kwangaphambilini kwemakethe yamasheya. Futhi uma kungadlulwa futhi, kungaya kumaphoyinti angama-7.800 XNUMX lapho iphuzu eliyinkomba yokuthi inhlolovo yeBrexit yabanjelwa nini eGreat Britain. Ngamanye amagama, elinye lamazinga aphansi emlandweni wenkomba ekhethiwe yamasheya aseSpain eminyakeni yamuva. Vele, lesi simo asinakuphikwa.
Ngenkathi ngakolunye uhlangothi, inqobo nje uma ihlala ingaphezulu kwamaphoyinti angama-9.000, kuzoba yithemba lokuthi imakethe yamasheya kazwelonke ingaqhubeka nokuya phezulu, yize inohambo olufushane kakhulu nolulinganiselwe phezulu. Kuze kube seqophelweni lokuthi iziphakamiso eziningi akusizi ngalutho ukuvula izikhundla. Ngoba okuningi kulula ngathi ukuba nezimanga ezingezinhle kunokuba nathi sibe nembuyiselo eyanele kuphothifoliyo yethu yokutshala imali. Ngakho-ke kuzoba njalo izinga okufanele ulibuke ngabo bonke abatshalizimali abancane nabaphakathi ukusukela manje.
Yini ezokwenzeka ngaphansi kuka-9.000?
Okwamanje lapho lesi simo singafunwa ngabatshalizimali senzeka khona, kuzonikezwa uchungechunge lwezimpawu zokuthi ungazikhomba ngendlela elula nelula. Ngalo mqondo, ezinye zazo zingokulandelayo: ukudilizwa kwalokhu kusekelwa okubalulekile ngevolumu ephezulu yokuhweba kunezinye izinkathi zonyaka. Ngakolunye uhlangothi, kufanele shiya isihlungi ukuqinisekisa isimo esisha nokuthi kuzoba phakathi kuka-2% no-3% ngaphezu kwento esezingeni lomsebenzi. Ngale ndlela, ama-alamu angamanga angalimaza amasu ethu okutshala imali azogwenywa.
Kubalulekile futhi ukuthi lezinhlangano zivunyelwe ngamanye ama-stock indices endaweni yethu eseduze. Ukuthi zinikeza ubuqiniso obugcwele ekuwohlokeni kwe-Ibex 35. Kufanele wazi ukuthi akudingeki ube lukhuni kakhulu ekusetshenzisweni kwamazinga akhethiwe. Uma kungenjalo, kunalokho, kufanele gcina ukuguquguquka okuthile noma kunjalo ngaphakathi kwemikhawulo edingekayo yalolu hlobo lokusebenza. Lapho abatshalizimali abancane nabaphakathi abanemfundo ephakeme bengahumusha kangcono lokhu kwehluka ezimakethe zezimali. Ikakhulu, ngenhloso enkulu yokuhlehlisa izikhundla ezintsha zangaphambilini kanye nokwehla okubonakalayo ekucushweni kwamanani.
Ukuvalwa okungekuhle kwamasonto onke
Enye indlela esetshenziselwe ukwazi lesi simo ukubheka ukuvalwa kwamasonto onke okugcina noma izinyanga. Banganikeza ukusikisela okuncane ngokuthi iyiphi ezoba isimilo we-stock index ezinsukwini ezizayo. Ngoba impela, enye yezinkomba esingaba nazo ukuthi ukuvalwa kwamasonto onke kulungile. Okungenani amasonto ambalwa futhi kuzoba uphawu lokuthi ukuphakama kungafinyelelwa ngamanani aphezulu nokuthi i-Ibex 35 ingabhekisa emazingeni abalulekile ngamaphuzu angama-9.800 XNUMX futhi isivele iqhelelene nendawo yokuqhekeka ekhathazeke kangaka. abatshalizimali abancane nabaphakathi kulezi zinsuku.
Ngenkathi ngakolunye uhlangothi, ukwenza ngcono intengo yamasonto onke kungasho ukuthi singabheka ngethemba elikhulu ezimakethe zezimali kusukela manje kuqhubeke. Ngamafuphi nje, isu lokutshala imali ebelilokhu lilandelwa kabanzi ngabatshalizimali abanemfundo enkulu kulolu hlobo lwemisebenzi. Phakathi kwezinye izizathu ngoba ukuthembeka kwayo kungabhekwa njengokuphakeme kakhulu kuyo yonke imibono. Ngamathuba amakhulu okuthi singathola inzuzo ebalulekile emisebenzini ngayinye eyenziwa ezimakethe zezezimali.
Izimpawu zokuvuka okungamanga
Okubi kunakho konke ekugcineni kube ukukhuphuka kwamanga hhayi ushintsho kuthrendi. Isibonakaliso sokubona lesi simo esingafunwa ngabatshalizimali abancane nabaphakathi ukuthi a buyela emuva ngamandla amakhulu lokho kuthatha intengo yamasheya angaphansi kwamazinga we-9.000 euros. Lesi sikhathi ngenhloso yokuhlala isikhathi eside, nokuthi yini okubi kakhulu ngezintshisekelo zethu, ukukhulisa ukulahlekelwa kusuka manje. Ngoba empeleni, bekungeke kusaba nemikhawulo ekuweni ngoba ingcindezi yokuthengisa ibizoba namandla kakhulu kumthengi.
Elinye iqhinga lokukhomba lokhu kunyakaza ukukhombisa ukuthi amanani amakhulu enkomba ekhethiwe yamasheya aseSpain, i-Ibex 35, izisekelo ezinkulu zisele ekubekeni izintengo zakho. Ukufika ezingeni lokuthi ezimweni eziningi bafinyelela ubuncane baminyaka yonke ngevolumu enamandla yezivumelwano eziheha ukunakwa okuningi kubatshalizimali abathengisa. Njengophawu olucacile lokuthi kukhona okubucayi kakhulu okwenzekayo kubo ekulinganisweni kwabo kwemakethe yamasheya. Ukuba uhlelo olulula kakhulu nolulula ukuluqhuba futhi olusesandleni sanoma yimuphi umtshalizimali omncane naphakathi.
Iphelezelwa ezinye izimakethe
Kunoma ikuphi, ukuze kube i-alamu engamanga ku-Ibex 35, bekungeke kube khona ukukhetha uma lolu hlobo lokunyakaza lukhonjwe ngamanye ama-indices endaweni eseduze kakhulu. Njengesibonelo, kufayela le- Izimali zeFrance, zaseJalimane noma zaseMelika. Ukuze ngale ndlela sibe nokucaca okuncane kusukela manje kuqhubeke ukuthi konke kube wugibe kithi ukungena emakethe yamasheya. Lokhu kuyinto ejwayelekile eyenzekayo futhi okumele sizame ukuthi singazweli kulolu hlobo lokunyakaza okukhetheke kakhulu okwenziwe ngezandla eziqinile zezimakethe zezimali. Kumele kugwenywe ngazo zonke izindlela ukuphepha kwethu.
Ngaphezu kwalokho, asikwazi ukukhohlwa ukuthi njengamanje sisesikhathini esibucayi kakhulu mayelana nokuthi yini engenzeka ezimakethe zezimali. Ngoba ingaya ngapha nangapha futhi imali isengcupheni yokuthatha kancane lawa masu okutshala imali. Ngoba yize ungathola imali eningi ekusebenzeni, ungashiya futhi ama-euro amaningi endleleni. Lapho, abatshalizimali bangezinye zezingxenye ezikhathazeke kakhulu ngokungazinzi kwezimakethe zezimali ngalo mzuzu oqondile. Noma yini ingenzeka futhi ngalo mqondo kufanele sazi noma isiphi isimo esingavela emakethe yamasheya. Ngokunyakaza okuvikeleke kakhulu kunokujwayelekile kulezi zimo.
Ekugcineni, yisho ukuthi kufanele sazi kahle ukuthi yini engenzeka ngezinsizakalo kanye nokuphikisana ngoba kuzosinika umhlahlandlela walokho okufanele sikwenze. Noma ngabe izikhundla ezivulekile ezimakethe zezimali noma, ngokuphambene nalokho, khohlwa ngemakethe yamasheya isikhathi eside noma esincane. Ngenhloso yokuzilungiselela okungenzeka kulezi zinyanga ezizayo, okungukuthi, enye yezinhloso zethu zokutshala imali. Ukuzivikela ekunyakazeni okungafuneki ngezintshisekelo zethu ngomzamo wokusebenzisa kakhulu ukonga.