Ukuphela konyaka ophelileyo kuvelise incasa emnandi neyomuncu phakathi kwabatyali mali abancinci nabaphakathi. Kwelinye icala, izikhundla zabo kwizabelo ziye zavuzwa. Ngokwe-avareji yenzuzo kwii-indices zamazwe aphesheya ze-10%. Kodwa kwelinye icala, baziva bedanile kuba ulindelo lwabo lotyalo-mali lwalufuna ngakumbi. Ngokudana okukhulu malunga nokuvela kweemarike zezemali kwinxalenye yesibini yonyaka. Apho indibano yesiqhelo yeKrisimesi ingakhange ivele nokuba ingothusi inxenye enkulu yabasindisi ababelindele ukonyuka inzuzo ngeli xesha.
Ngayiphi na imeko, kwaye ngokubhekisele kwizabelo zaseSpain, ukubonakala konyaka omtsha kuzisa namathuba amatsha eshishini. Unako ngayo phucula ukusebenza kwakho ngeli xesha. Kungenxa yokuba akukho mathandabuzo, kwaye njengoko kuye kwenzeka kuyo yonke iminyaka edlulileyo, kuyakubakho amanye amacandelo aqhuba ngcono kunamanye ngasekupheleni konyaka. Ngokuchanekileyo kula macandelo eshishini apho kuya kufuneka ujike imisebenzi yakho. Hayi ngelize, iya kuba sesona sicwangciso sisebenzayo ukuze ukwazi ukubetha iimarike zezemali ukusukela ngoku.
Umahluko phakathi kokukhetha enye okanye enye kunokuba yimali eninzi esengozini. Kwaye lo ingangunyaka wokuqala ukuba usebenzise esi sicwangciso sisisiseko ukuphucula inzuzo yokusebenza kwakho kwizabelo. Ayinamsebenzi nokuba ikwindawo zesizwe nezamazwe aphesheya. Kuba into emalunga nokuphela kosuku kukuba ibhalansi yeakhawunti yakho yokujonga ikhula njengoko iinyanga zika-2018 zihamba. Ewe ayizukuba ngumsebenzi olula, kodwa ukuba ukuzingisa kwiintshukumo zakho Kwimarike yemasheya uya kuba namathuba amaninzi okufezekisa ezi njongo kudala zilindelwe ukukhusela umdla wakho njengomtyali mali ophakathi nophakathi.
Amathuba amahle kwiibhanki
Elinye lamacandelo ekunokwenzeka ukuba liphuhlise imbuyekezo elungileyo lelo leebhanki. Ngale ndlela, awungekhe ulibale ukuba ibingomnye wabaphulukene kakhulu kulo nyaka uphelileyo. Amaxabiso abo ashiye umva emva kweminye imigca yeshishini. Ukongeza, kubonakala ngathi imeko encomekayo yeebhanki sele ikho isaphulelo kumaxabiso abo. Isenokuvela njengenye yezinto ezimangalisayo ezothusayo kwiminyaka ezayo. Ngophononongo oluphezulu kakhulu olunokubakho nangaphezulu kwezinye iimarike zesitokhwe. Ekuphela kwento elahlekileyo iya kuba sisigqibo sakho sokuvula izikhundla kwezinye zezindululo ezibonelelwa ngoku ngamashishini, ngakumbi eSpain.
Kwelinye icala, awungekhe ulibale ukuba kwintengiso yesitokhwe sikazwelonke unamaqela ezemali afanelekileyo. Phakathi kwabo bavelele I-BBVA kunye neBanco Santander ebonelela ngedatha esisiseko enomdla njengokujonga ukwenza umsebenzi wokuthenga ukusukela ngoku. Ngayiphi na imeko, iya kuba yenye yeempahla onokuthi uzijonge ngeli xesha kuba ngokuqinisekileyo kuya kubakho indawo ethile yonyaka apho zinokuba yinzuzo kakhulu. Ukongeza, banikezela ngesahlulo esinokwanelisa kakhulu abatyali mali ngeprofayili yokuzikhusela ngakumbi. Ngomvuzo ophakathi we-5% ngonyaka.
Idola njengethuba lokuthenga
Awuzukujonga kuphela amaxabiso esitokhwe ukwenza utyalomali lwakho lube nenzuzo. Kodwa nakwezinye iiasethi zemali ezifanelekileyo ngokukodwa. Kwaye kule ngqiqo, enye yezona zinto zivuyisa kakhulu kulo nyaka mtsha inokuba yidola yaseMelika. Kungenxa yokuba, ukutshintshiselana kwayo ngokubhekisele kwezinye iimali zamanye amazwe kunokuba nomdla kakhulu kwimisebenzi yakho yeemarike zezemali. Nangona iya kwenzelwa iintshukumo ezinqongopheleyo malunga nexesha layo. Mhlawumbi hayi njengenxalenye yotyalo-mali lwakho oluphambili, kodwa njengesixhobo esisebenzayo sokunyusa isikhundla sakho ngeli xesha. Ngayiphi na imeko, ukusebenza kwimakethi yemali kuya kufuna ubuchwephesha obukhulu kwiintshukumo. Kodwa ngaphezulu kwako konke, ukuba nenkcubeko enkulu yezemali kuba iyimveliso entsonkothileyo kunokuthenga nokuthengisa kwimarike yemasheya. Ngobungozi obuthile ekufuneka uyivavanyile ukuze ungashiyi ii-euro ezininzi endleleni.
Enye indlela enomdla kakhulu yokusebenzisa esi sicwangciso-qhinga sisekwe ekukhetheni mali mali ngokusekwe kule mali yamanye amazwe. Yingeniso eguquguqukayo, elungisiweyo okanye evela kwezinye iindlela okanye phakathi. Ngayiphi na imeko, uya kukhawulezisa ukusebenza ngokwembono yemali, emva kwayo yonke into ebandakanyekileyo kubudlelwane bakho nehlabathi elihlala linzima lemali. Ukongeza, awuyi kuba nangxaki ukwanelisa lo mnqweno kuba zininzi iimali zezi mpawu kwintengiso. Ukuthatha ngokungathanga ngqo ithuba lokuzivelela okuhle kwale mali yamanye amazwe ibalulekileyo.
Iimali: Inkalo yobugcisa egqwesileyo
Kulo nyaka awungekhe ulibale nangaliphi na ixesha iinkampani ezitshintshe imijikelo. Ngale ndlela, ukusuka kwi-bearish ukuya kwi-bullish. Kwaye kwelinye icala, zeenkampani ezidwelisiweyo ezibonisa imeko yezobuchwephesha engenakuthelekiswa nanto. Phakathi kokugqibela, inkampani yamayeza ibalasele ngaphezu kwako konke Iimali ezihlawulwayo. Ngokubonisa umqondiso ongaqhelekanga wokuthenga izinto ozikhethileyo ngaphambi kokuphuhliswa kokuzilolonga ngexesha elilandelayo. Akumangalisi ke ukuba lolunye ukhuseleko kwimarike yaseSpain eqhubekayo enexabiso elithandekayo. Nangona ngokuchaseneyo, ukungabinayo eyona nto inqwenelekayo ukuvula kunye nokuvala ukusebenza.
Ngokubhekisele kumaxabiso atshintshe imijikelezo, kukho iRepsol. Ukuqiniswa kukunyuka kwexabiso leoyile. Iya kuqhubeka ngale ndlela okoko igolide emnyama ihleli kumanqanaba amaxabiso esiqingatha sesibini sonyaka ophelileyo. Kungenxa yokuba ukuba akunjalo, izenzo zakho zinokuba sele zisokola de uphulukane nemali kwiintshukumo ozenzayo kulo nyaka. Kwelinye icala, ikwalixesha lokuba uvule izikhundla kwezinye izinto ezijikelezayo, usebenzise ibhonanza loqoqosho kuninzi lwehlabathi. Eminye yemizekelo ecacileyo yolu mkhwa ibonakaliswe zizenzo ze Arcelor Mittal okanye iAcerinox.
Tyala imali kwimarike yaseIndiya
Ukuba ungumtyali mali onoburhalarhume, ungayishiya imida yethu ukuze uzalisekise iminqweno yakho yotyalo-mali. Ngale ndlela, enye yezona ntengiso zinenzuzo okwangoku yi-India. Ibonisa inzuzo ngaphezu kweemarike zasentshona. Nangona le meko inokuma nanini na kwaye izilungiso zinokonakalisa imisebenzi yakho kwimarike yemasheya. Ukuba awukhathali ukuthatha umngcipheko ngakumbi kwipotfoliyo yakho, unokusebenzisa esi sicwangciso singaqhelekanga. Ayothusi into yokuba ikwindawo entle enomona. Ukusuka apho unokuxhamla ngokwenza ulondolozo lube nenzuzo ukusukela ngoku.
Nangona kunjalo, akufuneki udideke kwimakethi yaseIndiya kunye nezinye ezisakhulayo. Ukusuka kolu luvo, kwi-Saxo Bank bayalumkisa ukuba kunyanzelekile ukuba ube nayo Unonophelo olukhulu ngezi marike zezimali. Zonke zibhekisa kwinto yokuba amanye amazwe asahlumayo aqala ukudilika. Ngelixa kwelinye icala, ukuvela kweemarike zengeniso esisigxina bekuyeyona nto inqwenelekayo ixesha elide. Kwaye ngenxa yezi zenzo, banokuvelisa isimanga esibi esingaqhelekanga kwiinyanga ezizayo okanye kwiminyaka. Ngayiphi na imeko, eyona nto iphambili kutyalo-mali lwempumelelo lilele kukhetho lweeasethi eziyimali.
Izinto ezikhethiweyo zabalondolozi
Okokugqibela, kuhlala kusisixhobo sokubhalisela kulo nyaka izabelo zeenkampani zombane ezisebenza kwiimarike zesizwe. Unezindululo ezininzi onokukhetha kuzo kwaye zezona zizinzileyo ukuba imeko yokulingana ayisiyiyo le uyifunayo. Kwelinye icala, awungekhe ulibale ukuba licandelo elibonelela ngesona sivuno sihle. Ngohlobo lwe inzala emiselweyo neqinisekisiweyo phakathi kwe-5% kunye ne-7%. Ukuze ngale ndlela wenze ingeniso emiselweyo ngaphakathi umahluko. Esi sisicwangciso esisebenza ngokufanelekileyo kubanini-mali abalondolozayo okanye abazikhuselayo.
Ngala maxabiso awuzukukwazi ukufumana imbuyekezo enkulu kulondolozo lwakho. Kodwa ubuncinci uya kuzikhusela iiasethi zakho kwelona xesha linzima kwi-equities. Le yinto enokuxabiseka kakhulu kangangexesha elinzima njengo-2018. Ukongeza, ludidi lotyalo-mali olubonakaliswe kakhulu ixesha elide kakhulu lokuhlala. Ukuba le yimeko yakho, ungathandabuzi ukukhetha esi sicwangciso sisisiseko. Kuba kokubi uya kunciphisa ilahleko ukuba lo ngunyaka onzima wezemali.
Ezi ntshukumo zokuzikhusela ziya kulunga. Ubuncinci ngenxalenye yonyaka. Njengoko sele ubonile, uya kuhlala unamathuba oshishino okujongana notyalo-mali lwakho kunyaka olunokuba nzima kakhulu kubasindisi abaninzi. Ngoku kufuneka ukhethe kuphela olona khetho luhambelana neprofayili yakho njengotyalomali oluncinci noluphakathi. Ziya kuba zininzi kwaye zineendalo ezahlukeneyo. Nguwuphi oya kukhetha ekugqibeleni?