Ngabe umhlangano kaKhisimusi uzohambela imakethe yamasheya kulo nyaka?

Njalo ngonyaka ngalesi sikhathi baningi abatshalizimali abancane nabaphakathi abenza lokhu unqume ukuthatha izikhundla ezimakethe zamasheya ngaphambi kokufika komhlangano kaKhisimusi olindelekile. Kepha ngabe likhona iqiniso ngempela kulokhu kuthutha? Noma ngabe sikhuluma ngento engacacile nje? Lo mkhuba ezimakethe zezimali cishe ubulokhu ugcwaliseka njalo, kepha hhayi kuyo yonke iminyaka. Akukona okokufika kukaSanta Claus elayishwe izinzuzo ezinkulu zemali esikhwameni sakhe, kodwa okuthile okuthe xaxa ngobuchwepheshe nangencazelo enengqondo impela.

Ekupheleni konyaka ngamunye, izimali zokutshalwa kwezimali zingena ezimakethe ezinamanzi kakhulu ukulungisa izikhundla zazo, okukhombisa ukwanda kwamanani ezabelo. Ukuqinisekisa lo mkhuba, kufanele kukhunjulwe ukuthi Phakathi nezinyanga noma amasonto okugcina onyakeni, izimakethe zamasheya zithole ukwanda okufika ku-10%, futhi ephakeme kakhulu ngeminyaka enhle kakhulu yezimakethe.

Ukukhuphuka kuvame ukuthinta zonke izikwele, ama-indices namanani esitoko. Akukho okuhlukile, futhi yizinkampani ezinezinkinga ezinkulu zezimali ezinqena ukujoyina lo mkhuba.

Awukho unyaka lapho abahlaziyi abakhulu bezezimali bengakusho lokhu okungenzeka, kuze kube seqophelweni lokuqinisekisa ukuthi inyanga kaDisemba ingenye yezona ezijwayele ukuphumela obala. Idatha yezibalo zeminyaka edlule ibanikeza isizathu lapho kubonakala sengathi ingenye yezikhathi ezihamba phambili kakhulu onyakeni wonke. Ngisho nangento eyengeziwe leyo kunezinkampani eziningi ezisohlwini ezisabalalisa izinzuzo ngalesi sikhathi.

Ngomkhiqizo wonyaka ongafinyelela ku-8%, ngaphezu kwalokhu okuhlinzekwa yimikhiqizo emikhulu yasebhange ehloselwe ukonga (amadiphozithi, amanothi ezethembiso zasebhange, amabhondi, njll.), angakwazi ukufinyelela umgoqo ongu-1%, njengomphumela wesimo sezomnotho samanje esinezinga lenzalo eliphansi.

Nokho, kulo nyaka ukungaqiniseki kuthathe izimakethe zezimali, futhi kukhona ochwepheshe bezimakethe zamasheya abambalwa ababheka ukuthi i-rally yenzeka ngo-Okthoba owedlule ngenxa yezenzo zebhange laseYurophu elifaka ibhange kwizimpahla eziyinhloko zezezimali.

Uma kunjalo, kulokho okusele ukuvalelisa u-2015 ngeke kube khona ukunyakaza okuphawulekayo. Abanye, ngokuphambene nalokho, bayayithanda kakhulu ukuthi ibonakale ezinsukwini zokugcina zikaDisemba, yize kungenzeka ukuthi ayinabo ubudlova kunangezikhathi ezedlule.

Kukhula nini?

Impela uyazibuza ukuthi le nhlangano yenzeka ngamaphi amadethi engakusiza ukuthi wandise umcebo wakho. Kanjalo, akudingeki ukuthi kwenzeke phakathi kukaDisemba, futhi noma lisebenzisa igama lamaholide agujwa kule nyanga, lingalungiswa kulawa angaphambilini: Okthoba noNovemba.

Futhi ngenxa yokuqina kwayo, ingafinyelela ngisho nenyanga kaJanuwari, ukwanelisa izintshisekelo zakho. Ngokwakhiwa kwamaphothifoliyo ngabaphathi bezotshalomali, okuvame ukuqondana ngalesi sikhathi. Uma ubheka ukubonakala kwayo ekuvivinyweni kwangaphambilini, uzokwazi ukuqinisekisa ukuthi azikho izinsuku ezinqunyelwe ekwakhiweni kwayo, kuze kufike ezingeni lokuthi ayikwazi nokuvela.

Mayelana nobude bayo, ayikho futhi imithetho esungulwe ngaphambilini. Ingahlala isikhathi esingaphezu kwesonto, noma ithathe izinzuzo ngezikhathi ezinde kakhulu. Kodwa-ke, imigomo yabo izonqunywa ukuthambekela okuboniswe kumasheya ngalezo zikhathi.

Isimo esisezingeni eliphezulu kuyaqondakala ukuthi ukwanda komhlangano kuyanda ngaphezu kokujwayelekile. Ngenkathi, ngokuphambene nalokho, uma ukuthambekela okujwayelekile kucace phansi, kuzoba okujwayelekile ukuthi ngemuva kwezinsuku ezimbalwa zokuphindaphinda entengo yamanani, ibuyela esimeni sayo semvelo: ngokulungiswa okuningi.

Ngabe lezi zinto ezihamba phambili zenzeka njalo?

Kumasheya akukho okulungisiwe, kude nakho, ngoba akuzona izibalo, futhi kusobala lokho noma yini ingenzeka ngokuya ngezehlakalo zomnotho, ezenhlalo, kanye nezezepolitiki, okuguqula ukwakheka kwale nhlangano.

Lo nyaka ngokungezwa kokuthi ngoDisemba 20 kubanjwa ukhetho olujwayelekile eSpain. Futhi lokho ngokombono wabahlaziyi kuzoba esinye isizathu sokungaqiniseki ukwengezwa ezimakethe, ngokuya ngemiphumela yakho. Ngokwalo mbono, akumangazi - yisho ingxenye enhle yochwepheshe bezimakethe zamasheya - ukuthi kulo nyaka umhlangano kaKhisimusi usudlulile.

Kunoma ikuphi, futhi ukukunikeza ukuthula okukhulu kwengqondo mayelana nokulula kokuthatha izikhundla (ukuthenga) emalini, uzoba nezifundo eziningi ezibonisa lokho i-rally eshiwo ngenhla yenzeke ngaphezu kwe-85% yesikhathi. Futhi kuphela phakathi nezikhathi lapho kwenzeke khona izenzakalo ezingavamile: inkinga kawoyela, ukwehla komnotho emhlabeni, njll.

Ezinye izinto ezizokuba nomthelela ekupheleni konyaka

Ekuvivinyweni okunjenge-atypical njengamanje, le nhlangano izonqunywa ngezinye izinto ezinganciphisa noma zithuthukise ukuthuthukiswa komhlangano. Futhi kulabo okudingeka unake kakhulu uma ufuna ukukuqeda ngemali eningi ku-akhawunti yakho yokuhlola. Ezinye zazo, zintsha ngokuphelele maqondana nokuzivocavoca okwedlule.

• Udinga ukukwazi lokho I-United States Federal Reserve, emhlanganweni wayo maphakathi noDisemba, kungenzeka i-oda ukwanda kwamanani wenzalo. Mhlawumbe umthelela wayo ezimakethe zamasheya awuvuni ngokuphelele, futhi kungahle kube nokulungiswa kwamanani entengo.
• Futhi akufanele ukhohlwe ukuthi amazwe amaningi e-European Union asezingeni eliphakeme lokuxwayisa. Futhi noma isiphi isigameko noma ukuhlaselwa kwamaphekula kungonakalisa imicabango yakho yokuthola inzuzo enhle kakhulu. Ngoba zonke izikhwama zizothinteka kabi yizenzo zodlame kunoma yiliphi izwe.
• Imiphumela yokhetho lukazwelonke eSpain izothatha isinqumo sokudweba noma sokukhipha imiphumela yalo mhlangano kaKhisimusi. Ngokuqondile, imakethe yamasheya yaseSpain yenze kabi kakhulu kunamanye ama-indices angaphandle ngenxa yokungaqiniseki kwemiphumela. Uma kwamukelwa izimakethe, kungaba yingcindezi eyodwa yokuthenga ukuthi kufakwe ngokuqinisekile engxenyeni yokugcina yonyaka.
• Futhi ngaphandle kokukhohlwa - vele - ukuthi kuzoqhubeka ngokushicilelwa kwemininingwane yezomnotho (ukungasebenzi, ukwehla kwamandla emali, ukukhula, inkomba yokuzethemba ...) noma ngabe bayazisunduza izimakethe zamasheya ziye eziqongweni zonyaka. ESpain kuzoba nzima kakhulu ukufeza lawa mazinga, njengoba inkomba kazwelonke yokukhetha icishe ibe ngu-20% wabo, eduze kwamaphoyinti acishe abe yi-12.000.

Izinqumo okufanele zizuze kulokhu kuhamba

Ukuqeda unyaka ngenjabulo enkulu, futhi ujabulele lezi zinsuku nabathandekayo bakho, ungangenisa uchungechunge lwemikhombandlela yokuziphatha ezokuholela ekuhlangabezaneni nezinhloso zakho nge-akhawunti yokuhlola enempilo. Ukuze ngale ndlela, ungajabulela izipho, uhambo, imikhosi ..., ejwayelekile kulezi zinsuku ezikhethekile.

Uzodinga kuphela ukubeka inani elikhulu lokuziphatha, inhlanhla ethile oyikhethayo, futhi-ke, ukuthi izimakethe zihambisane nokusebenza kwesitoko sakho. Impela kuzokwanela ukuthi lezi zinsuku zingalibaleki kusuka kuphrofayela yakho njengomtshali-zimali.

1. Kufanele thenga amasheya emasontweni okuqala kaDisemba, ngenhloso yokutshala imali yesikhathi esifushane, lapho ungenza khona ukulondolozwa kwakho kube nenzuzo phakathi kuka-5% no-20%, kuya ngamandla alo mnyakazo.
2. Uma ungafuni ukuphuthelwa yisitimela se-rally, ngeke ube nokunye ongakwenza ngaphandle kwalokho khetha izibambiso ngokuzibandakanya okukhulu kwezomnotho, noma okungenani babhekene nakho izinqubo ze-bullish yobukhulu obuthile. Bazoba yibo abathambekele kakhulu ekuthuthukiseni ukunyakaza okungazelelwe kakhulu.
3. Ungasizakala ngokuthi ngalesi sikhathi ingxenye enhle yezinkampani ezibalulwe emakethe yamasheya basabalalisa izabelo phakathi kwabaninimasheya, ukukunika inkokhiso encane ngendlela yokukhokha okwengeziwe ukuze ubhekane nokukhululeka okukhulu izindleko ezinkulu ezizokwakhiwa yilezi zinhlangano.
4. Uma, naphezu kwakho konke, usola futhi unokwesaba okuthile ngokuvela kwezimakethe zamasheya, Akudingeki ukuthi utshale yonke imali oyongile, kepha kuzokwanela ukufaka ingxenye yabo kuphela, kuya ngephrofayili yakho njengomtshalizimali.
5. Kuzolula ngokungagwegwesi ukuthi uhlaziye konke ukunikezwa okunikezwa yizimali ngalesi sikhathi, ngoba nakanjani kuzoba namanani athikamezeka ngokusobala kulo msebenzi Bazozama ukwenza ama-akhawunti abo, ngokubuyekezwa okuphawulekayo engxenyeni yokugcina yonyaka.
6. Uzoqaphela ikakhulukazi ngosonhlamvukazi abancane kanye nokuphepha okuqagelayo, okuyi lezi zinhlaka azilawulwa yimikhuba yazo, futhi abavamile ukuthinteka embuthanweni kaKhisimusi. Kungcono ubalondolozele esinye isikhathi.
7. Ngokuvikela okungeziwe, isu lakho kufanele lincike kumagugu amakhulu emakethe yamasheya, kuzwelonke nakwamanye amazwe, okuthi noma ngabe ikuphi ukuhumusha kangcono lezinhlangano ngalesi sikhathi sonyaka.
8. Ukwehlukanisa utshalomali lwakho ungakhetha ukwakhiwa kwephothifoliyo, lapho kuboniswa khona imikhakha yemakethe yamasheya ephezulu kakhulu, ngisho nezinkampani ezivela kwezinye izindawo.
9. Ngeke kulimaze ukubeka i-buy (noma ukuthengisa) i-oda ukuvikela utshalomali lwakho, ukubizwa okuvame kakhulu ukubizwa ukuyeka ukulahlekelwa. Kuzokusiza ukumisa ukulahleka okungenzeka kukuvezele, ngaphambi kwanoma isiphi isigameko esivela ezimakethe zezezimali.
10. Futhi ekugcineni, uma konke kwenzeka kahle, ungacabangi ukuthi uzoba usozigidi ngobusuku obubodwa, kodwa yebo ukukhokhela amadina akho, ukuyothenga nanoma yisiphi isifiso onaso phakathi kwala maphathi.