Yebo, iBrexit inqobile, noma okufana nalokho, ukuphuma kweGreat Britain kwi-European Union (EU). Futhi hhayi endala kunayo yonke yale ndawo eyakhumbula ukwehla okukhulu kangaka emakethe yamasheya. Inkomba yesitoko saseSpain kushiye kancane kancane u-12% emgwaqeni ngoLwesihlanu, okuyisikwele esibi kunazo zonke kuleli zwekazi elidala. Konke okunye bekuphakathi kuka-10% oshiywe yimasheya aseFrance, no-3%, ngokumangazayo, amaNgisi. Iseshini yokwesaba kwangempela ongeke wakukhohlwa isikhathi eside.
Ukuhlola ubukhulu be- ukuphahlazeka kwemakethe yamasheya, kufanele nje ukhombise ukuthi kunjalo ababhalisiwe kakhulu kusukela i-Ibex 35 ikhona. Ukuhlaselwa kweTwin Towers eNew York, noma inkinga yezomnotho eyaqala ngokuqothuka kukaLehman Brothers, noma nokuzama ukukhishwa kombuso eRussia ekuqaleni kweminyaka yama-90s akuholelanga kula mazinga. Ukuthengisa akuzange kumiswe ngesikhathi seLwesihlanu olumnyama eselivele luchaziwe.
Ziningi izigidi ezilahlekile ngabatshalizimali abancane phakathi nalolu suku olumnyama emalini emhlabeni jikelele. Kepha okubaluleke ngaphezu kwalokhu kuseyikho ongakwenza kusukela manje ezimakethe zezezimali. Akusizi ngalutho, isiphepho siza neziphepho, ngokombono wabanye abahlaziyi bezezimali abanikeze ubufakazi babo ngokwethuka okukhona kulolu suku lwezimali
IBrexit: zithini izaphulelo zezimakethe?
Izimakethe zinciphisa inqubo yokungaqiniseki lapho uMphakathi waseYurophu ungadlula khona. Ngisho nale nqubo yokhetho inganwetshwa nakwamanye amazwe angamalungu e-EU: IFrance, iHolland, iDenmark, kanye neJalimane uqobo. Labo abahlangabezana nezikhwama ngeke kube inqubo yesikhashana, okungenani kuze kuphele ukungabaza okuningi okuhlupha imizimba yomphakathi. Futhi lokhu, ngokombono wabahlaziyi abadume kakhulu bokutshalwa kwezimali, kungahlala amasonto ambalwa, ngisho nezinyanga.
Esinye isici sokuchaza lezi zimpophoma ezinkulu kungenxa ye- ukumangala kwemiphumela. Akumangalisi ukuthi usuku lwangaphambi kwayo yonke impahla yezezimali lenyuka ngamandla amakhulu ngethemba lokuthi kuzobekwa unomphela kwi-European Union. Kepha ekugcineni bekungafani nalokho, futhi izimakethe ngemuva kweBrexit zehle kakhulu. Ukuba nomthelela omubi kwi-psychology yezimakethe zokulingana.
Yimiphi imikhakha ethinteke kakhulu?
Ukwehla kwenani sekwenziwe jikelele, akukaze kusindiswe ngisho nokuphepha okukodwa kulo msele odaleke ekuthengisweni okukhulu kwetayitela. Kepha akukho kungabaza ukuthi kunezinkampani eziningi ezibalwe ezenze okubi kakhulu, ngisho ngokwehla okufinyelele kuma-30% kumanani emakethe aqhubekayo. Ezimweni eziningi, amazinga aphansi ezokuphepha ezibalwe kakhulu. Futhi kuzo zonke izimo wephula ngazo zonke izisekeli ezazisendleleni yazo, futhi ngaphandle kokuqukethwe.
Kunoma ikuphi, imikhakha yemakethe yamasheya ebucayi kakhulu kulokhu kwehla eminye ebaluleke kakhulu emnothweni waseSpain. Futhi kulula ukuthi ubheke lapho ubhekene namasu okutshala imali ozoqala ngawo kusukela manje kuqhubeke. Futhi okulandelayo.
Amabhange: umkhakha wezezimali ungomunye wabathinteke kakhulu yiBrexit, ngokuwa okungaphezu kwama-20%. IBanco Santander noSabadell yibona abathinteke kakhulu ngenxa yokuchayeka kwayo ngokweqile ebhange lesiNgisi. Kuhola, noma kunjalo, izinkampani ezishiye ingxenye yenani lazo. Hhayi kuphela ezimakethe zikazwelonke, kepha nakwamanye amazwe. Lesi isigaba okufanele sigcinwe kude nanoma yisiphi isilingo sokuthenga. Into ejwayelekile kungaba ukuthi iqhubeke nalo mkhuba ezinyangeni ezimbalwa ezizayo, ize ifinyelele emazingeni angaphansi kokungajwayelekile ezikhungweni zezezimali.
IAG: inelungelo lokuba yinani elishiywe kakhulu emakethe yamasheya yaseMadrid, cishe ama-30%. Isizathu salokhu kudilika kungenxa ye- umfelandawonye nenkampani yezindiza iBritish Izindiza, nokuthi ilinganisa ukuziphendukela kwayo ngamanani kusukela kulesi sinqumo. Futhi okubi kakhulu, ngethemba elincane lokuthi isimo salo sizoshintsha ezinsukwini ezilandelayo zokuhweba.
Inkampani enezintshisekelo ku-GBKukhona nezinkampani eziningi ezinezintshisakalo eziningi endaweni, ezisebenza kakhulu emabhizinisini azo. Izinkampani zithanda I-Ferrovial, Telefónica noma i-Iberdrola yizihluthulelo ezihamba phambili zalesi simo esethulwe izimakethe zamasheya. Ukuthi isivuno sayo kulo Lwesihlanu Olumnyama ngemuva kweBrexit sibe ngaphansi kwesilinganiso esijwayelekile.
Ungayibekaphi imali oyongele imali yakho?
I-panorama ebonakala kuwe njengomtshali-zimali omncane oyikho imnyama impela. Cishe zonke izimpahla zezezimali zehle kakhulu, futhi kubonakala sengathi ukuthambekela kwazo kuzofana nakuleli sonto. Lapho-ke sekuyisikhathi sokuzibuza ukuthi ungavula kuphi izikhundla ukwenza imali oyongile izuze. Ezimakethe ezimbalwa kakhulu, kunjalo, kepha noma ezimeni ezimbi kakhulu, kuvela amathuba amasha ebhizinisi. Futhi phakathi kwabo okulandelayo kuvela.
- Oro: ngokungangabazeki umzuzi omkhulu walesi simo esisha somnotho. Eqinisweni, kube ngenye yezimpahla ezimbalwa zezimali ezikhuphuke ngalolu suku olubabazekayo kubo bonke abatshalizimali. Futhi ikwenze lokhu ngamandla akhethekile, ngoba isebenze njenge isiphephelo ezinhlokodolobha ezinkulu. Futhi ukuthola indima yendabuko yokuheha imali ngezikhathi zokungaqiniseki okukhulu emnothweni womhlaba.
- Imakethe ye Forex: ingaba enye yezindlela ongazisebenzisa ukwenza ngcono isitatimende sakho semali engenayo, futhi lapho amathuba okutshala imali engekho. Ngale ndlela, ukusebenza kwezinye zezimali: Idola laseMelika, i-franc yaseSwitzerland noma i-yen yaseJapan kungaba ngaphezu kokuthakazelisa ukuvikela izintshisekelo zakho. Basebenza njengesiphephelo ekubalekeni kwemali evela kwezinye izimpahla ezibalulekile zezezimali. Kunoma ikuphi, qaphela kakhulu lapho uthatha izikhundla, ngoba kuyimakethe eguquguqukayo kakhulu okungewona wonke amaphrofayili okutshalwa kwezimali alungiselelwe yona.
- Izibopho zaseJalimane: ukuthambekela kwezinhloko-dolobha ezinkulu akuyona enye ngaphandle kokuphephela emafeni azinikeza ukuphepha okukhulu. Futhi ngalo mqondo, isikweletu saseJalimane singenye yokufeza le ndima. Kususelwa ekuvikelekeni nasekuthembekeni okwenziwe uhlelo lwayo lwezomnotho. Futhi ngenxa yalokho, bakhomba lo mkhiqizo wezezimali. Ingafakwa inkontileka ngqo, kepha ihlala ikhululekile futhi kulula ukuyenza ibe semthethweni ezikhwameni zokutshala imali ngokuya ngale modeli ukwenza ukonga kube nenzuzo. Akukhiqizi ukubuya okumangazayo, kepha okungenani kuzoklomelisa intshisekelo yakho ezikhathini ezinesiphithiphithi njenganamuhla.
Yini okufanele uyenze ngezikhundla zakho zesitoko?
Uma ungakazivali izikhundla zakho ezimakethe zamasheya, unesu eliphindwe kabili. Ngakolunye uhlangothi, qhubeka uthenge ulinde ukuthi kwehle phansi ukuphela ngokushesha okukhulu. Lelisu lizobhekiswa kubatshalizimali abaya kokulingene, ikakhulukazi isikhathi eside. Ngakolunye, thengisa amasheya akho kunoma yikuphi ukuqhuma ukuthi imakethe iphethe. Ngale ndlela, uzogwema ukulahleka okuningi, futhi ungathenga ngisho amasheya ashibhe kunawo wonke emasontweni noma ezinyangeni ezimbalwa.
Kunoma yikuphi, ukuqonda kufanele kube yisona sici esivamile sezenzo zakho. Hhayi ukwenza izinqumo zishise, kepha kudala ukubonakaliswa okujulile kokuthi iyini imigomo yakho yangempela. Futhi ikakhulukazi igama lapho iminikelo yemali iqondiswe khona: imfushane, iphakathi noma yinde. Lapho ukungabaza okukhulu sekuqediwe, kuzobe sekuyisikhathi sokukhipha isinqumo, okungaba nzima kakhulu ukusithatha uma kubhekwa ubucayi balesi simo esisha esivela ezwenikazi elidala.
Kuthiwani uma unemali ephelele?
Esinye isimo esihluke kakhulu yileso esivela ebangeni lakho kusuka ezimakethe zezezimali. Uma ungatshalwanga, siyakuhalalisela, ngoba ngeke ulahlekelwe yi-euro eyodwa kulezi zinsuku ngemuva kweBrexit. Futhi ngaphezu kwalokho, kungenzeka ukuthi kuvulwe ithuba lokuthi uvule izikhundla kumanani wemakethe yamasheya aseSpain, ngamanani asikisela kakhulu, kwezinye izimo amathuba okuthenga kwangempela. Kepha akufanele ukwenze kube semthethweni ukusebenza ngalesi sikhathi. Kuzofanele ulinde aze adlule, okungenani amasonto ambalwa, ukuze abuyele emapaki, ngoba ingozi yokuwa okunzima iyaqhubeka ingaphezu kokumangazayo.
Kunoma ikuphi, lokho ozokuthola akungabazeki ukuthi ngamanani entengo yamasheya angaphansi kokucatshangwa kuze kube yizinsuku ezimbalwa ezedlule. Akumangalisi ukuthi kunezinkampani ezisezingeni eliphakeme ezathi ngezikhathi zokugcina zokuhweba balahlekelwe kuze kube uhhafu wenani labo. Ukusizakala ngalesi simo kulula kakhulu, noma ngabe awunazo izikhundla zokuthenga, ukuthi uyazi konke okwenzekayo emalini kulezi zinsuku.
Impela, uma ubheka esikhathini eside, amanani aqala ukuba ngaphezu kokuthakazelisa, kungakhathalekile ukuthi angaqhubeka yini ngaphansi kwendlela eyehlayo yezimakethe. Futhi lapho ukukhokhelwa kwemali kuzoba yimpahla ebaluleke kakhulu onayo ngalesi sikhathi. Njengoba izokuvumela ukuthi wenze ukuthenga okukhethiwe kunoma iyiphi inkomba yaseYurophu.
Uma ubuyekeza amanani entengo yamasheya amakhulu aseSpain futhi uzothola ukuthi amanye awo abe cishe ngama-50% phakathi nezinyanga eziyisithupha zokuqala zonyaka. Ngokwalo mbono, akudingekile ukuthi ungabi nhlobo ngokuphelele, kepha ube muhle ukuqonda ukuthi iziteshi ezintsha ezivulayo manje. Ngamanani aqinile namazinga we-oversold ngaphezu kokujwayelekile. Vele, uma ungathintekanga yile tsunami yemakethe yamasheya etholwe ku-Brexit.