IAG uyiqalisile unyaka omtsha ekhokelela ekunyukeni kwe-Ibex 35 emva kwe Ukuthengwa kukaNiki. Ezi ziindaba zokuqala ezichaphazele iimarike zokulingana eSpain. Ngaba ungaba ngumqondiso wento enokwenzeka kwezi nyanga zilishumi elinambini zizayo? Ewe ngokungathandabuzekiyo yinkqubela phambili encinci kuba ukuba ufuna ukufumana imbuyekezo engaphezulu kwesiqhelo, awuzukukhetha ngaphandle kokuthatha inxaxheba kwimisebenzi yequmrhu eya kuthi ngokuqinisekileyo iveliswe kwiimarike zezemali. Njengokuba kwenzekile nakwinkampani yezindiza yamazwe aphesheya kwaye eya kulandelwa yenye intshukumo enokuthi inyuse umdla wokusebenza kwakho kwimarike yemasheya.
Ukuba kukho into evumelana nayo ngabahlalutyi bezemali, kukuba kuya kufuneka sikhangele amathuba oshishino kulo nyaka siwuqalileyo. Ngokumalunga nokulingana kweSpain, injongo esetyenziswe ziingcali yile Inqanaba lamanqaku ayi-11.000. Yinjongo ebonakalayo kwaye, nje ukuba iimeko zentengiso zincedise, ngokuqinisekileyo ziya kufezekiswa. Okanye ubuncinci ukusondela kakhulu kulo mlinganiso we-2018. Okwangoku, unyaka uqalile ngenkqubela phambili encinci kwisalathiso esikhethiweyo sentengiso yemasheya yaseSpain.
Enye yezona zinto zixhaphakileyo kwesi siqalo sonyaka kukwahluka phakathi kwezabelo zaseSpain nezo zelizwekazi elidala. Kungenxa yokuba ngelixa owokuqala ebulise unyaka ngonyuso oluncinci, kwelinye ibiyimpembelelo echasene ngokupheleleyo. Kunye ilahleko encinci ye-0,5%, ngokuhambelana nokwenzekileyo ekupheleni konyaka ophelileyo. Intshukumo yamaxabiso anokuchazwa njengesiqhelo ukuba umntu uthathela ingqalelo into yokuba i-Ibex 35 ibisemva kwezinye iimarike zaseYurophu. Ngenxa yoko, ngaphezulu kwako konke, iingxaki zentlalo nezopolitiko eCatalonia.
I-Bankinter icebisa iibhanki
Enye yamathandabuzo yokuba abatyali zimali abancinci nabaphakathi kufuneka bajongane nonyaka benethemba kukwazi ukuba ngawaphi awona macandelo emarike yemasheya azibeka kakuhle. Ngale ndlela, i-Bankinter icebisa umbono ongaqhelekanga wokonga ngokufanelekileyo. Ukuya kwinqanaba lokuba ibhekisa kwinto yokuba iya kuba ngunyaka webhanki. Ngokusebenzisa ukhuseleko olufana neBanco Santander, iBBVA kunye neCiti kumazwe aphesheya. Bacinga ukuba bane ixabiso elinomtsalane kakhulu ukwenza imisebenzi nakweyiphi na kwezi zindululo zezabelo zamazwe ngamazwe.
Kwelinye icala, esinye sezizathu zokuziva sinethemba kulo nyaka mtsha, ngokwembono yale bhanki, ngumbono wezoqoqosho kunyaka ka-2018. Babonisa ukuba ngumjikelo wezoqoqosho odibeneyo kwaye ukuthatha amandla ngakumbi eYurophu, sesinye sezizathu zokuxabisa i-euro. Bacinga ukuba kukho indlela ephezulu yezabelo ingakumbi kwiibhanki. Kwinqanaba ocinga ukuba liyimfuneko zibeke kweli candelo ukuze ungaphoswa yindlela eya phezulu esele ihleli kwimarike yaseSpain. Ngaphandle kwento ngeli xesha eSpain kukho ukungaqiniseki kwangaphakathi okwenza ukuba ibhegi yakho ixabise kancinci.
Akukho lutshintsho lukhulu kwiFed
Enye yezenzo ekufuneka zikhokele utyalomali lwakho ukusukela ngoku ukuya phambili ukuqhubeka nomgaqo-lawulo wemali yi-United States Federal Reserve (i-FED). Ayothusi into yokuba abekho abahlalutyi abambalwa kwiimarike zezemali zamazwe aphesheya abathi akukho lutshintsho lukhulu kulindeleke kwiinyanga ezilishumi elinambini ezizayo. Abanye babo badlulela phambili ngokuchaza ukuba ababoni kunyuka kwenqanaba lenzala kwixesha elifutshane. Into ekufuneka incede iimarike zezemali zihambe ngoxabiso kumaxabiso ezabelo. Nangona banokuba nobulali, kodwa ukuphela kosuku yinto elungileyo kubatyali mali abancinci nabaphakathi.
Nangona kunjalo, akusayi kubakho khetho ngaphandle kokulindela nasiphi na isigqibo esinokuthi sithathwe kweli candelo libalulekileyo lezoqoqosho. Kuba inokuthambekela kwindaleko yeentengiso kwelinye icala okanye kwelinye. Okwangoku, yonke into iyaphuhliswa kunye ubume obuqhelekileyo. Nangona kuyinyani ukuba zimbalwa kakhulu iintsuku zokurhweba kwiimarike ze-equity. Ngale ndlela, akusayi kubakho khetho ngaphandle kokulinda iiveki ezimbalwa ukufumanisa ukuba sesiphi esona sigqibo sihle onokuthi usithathe ukusukela ngoku. Akucetyiswa ukuba uthathe amanyathelo ngokungxama anokukhokelela ekubeni uvelise ilahleko kwipotfoliyo yakho yotyalo-mali.
Ubhejo oluthile: Repsol
Ukuba kuya kufuneka uthathe ixabiso lokuvula izikhundla kulo nyaka, isindululo esinenzuzo enkulu inokuba yinkampani yeoyile yesizwe. Kungenxa yokuba okwangoku inkampani eholwa nguAntonio Brufau ikwinkqubo yokudityaniswa. Ihamba phantsi kwamanqanaba aqondwayo phakathi kwe-15,305 kunye ne-14,77 euro isenzo. Ngayiphi na imeko, eyona nto ibaluleke kakhulu kukuba ikoyisile ukuxhathisa okukhulu ebinako ngokuchanekileyo kwi-15 euro. Inqanaba lokuba ukusukela ngoku liya kuba yinkxaso ngokuzenzekelayo kwaye awuyi kuba nakho ukugqitha ukuba ufuna ukufikelela kwiindawo eziphakamileyo kakhulu kulo lonke unyaka.
Kwelinye icala, ayinakulityalwa ukuba esi sicelo kwizabelo zaseSpain sesinye sezona zinokubaluleka kakhulu ukuba ixabiso leoyile liyaqhubeka nokunyuka kwiinyanga ezizayo. Ingakumbi ukuba isondela kuthintelo olubalulekileyo olusebenzayo $ 70 umphanda. Eli xabiso liza kuvula imeko entsha yeRepsol enezincomo ezinamandla kakhulu kuyo yonke imiqathango yokusisigxina. Ngokunikwa la mathemba, iya kuba yenye yexabiso ekufuneka ithathelwe ingqalelo ukwenza ipotifoliyo elungelelanisiweyo yotyalo-mali kunye nenqaku lomngcipheko. Ukwenza ugcino olunenzuzo ngendlela ebhetele kunangoku.
Ngaba iya kuba ngunyaka kaPharma Mar?
Kuyo yonke iminyaka yenziwe njengenye yexabiso ekufuneka ithathelwe ingqalelo, nangona ekugqibeleni iphantse iphele ngokudanisa abatyali zimali abancinci nabaphakathi. Nangona kunjalo, ngeli xesha iqhinga lotyalo-mali litshintshile ngenxa yeekhontrakthi ezinokuthi zenze kulo nyaka. Into enokukunceda ufeze ngokungathandabuzekiyo amanqanaba aphezulu kwiimarike zezabelo. Ukuya kwinqanaba lokuba inokuba yenye yezona zinto zimangalisayo ngo-2018. Ngayiphi na imeko, le meko inokwenzeka iya kuxhomekeka kwizinto ezininzi ekufuneka zidibene nazo. Akumangalisi ukuba, iklasi yexabiso eguqukayo ngokolindelo olwenza kwiimarike zezemali.
Ukusuka kule meko ngokubanzi, uPharma Mar usandula ukubhengeza, ngokudibana kwiintsuku zokuqala zonyaka omtsha, ukuqala kwenkqubo yokuphononongwa ngokutsha yiArhente yamaYeza yaseYurophu (EMA) ye Iaplidin (plitidepsin) kwisalathiso sokubuyela umva okanye ukuphindaphinda okuninzi kwe-myeloma. Iya kuba ziindaba ezilungileyo kakhulu kwimidla yakho kwaye inokuphakamisa ixabiso ekujolise kulo onokufezekisa ngalo ngoku. Ayikhuphi naluphi na uhlobo lwenyani ebalulekileyo enokunyusa izabelo zayo kumanqanaba angabonwanga kwiminyaka yakutshanje. Ngale ndlela, yeka ukuba lelinye lawona mathemba makhulu ezabelo zeSpain kube kanye. Ngaphandle kwezinye iindlela zobugcisa kunye neendlela ezisisiseko. Kuya kufuneka ukuba umnike ivoti yokuzithemba kwiinyanga ezilishumi elinambini ezizayo.
Lumka kakhulu ngee-cryptocurrensets
Ukukhankanywa kolu hlobo lotyalo-mali oluthe lwaqhuma kwiinyanga ezidlulileyo zonyaka ophelileyo kusele ukuphela. Nangona bevela eCiti balumkisa ukuba ayisosicwangciso sotyalo-mali esikhuselekileyo. Phakathi kwezinye izizathu kuba baqwalasele Bitcoin njengenxalenye yeqamza njengeenkampani ze-dot-com kwakudala kwaye bayalumkisa ukuba ukuqhuma kwabo ngumcimbi wexesha. Ngaphandle koku, abatyali mali abakhohlakeleyo baya kuyityeshela le ngcebiso kwaye baya kuzama ngazo zonke iindlela ukwenza inzuzo ngokuhamba kwabo ngokukhawuleza kwiimarike zemali ezingaphandle kwemarike yemasheya.
Ukuba, nangasiphi na isizathu, injongo yakho iyaqhubeka kukuthatha izikhundla kule mali yezezimali, awuzukukhetha ngaphandle kokuphumeza isigqibo sakho kunye intengiselwano enexabiso eliphantsi kakhulu. Ngale ndlela, ngale ndlela, awungekhe ufumane isimanga esingaphezulu kwesinye ekupheleni konyaka. Phakathi kwezinye izizathu, ngenxa yokuba ulungiso olunokuthi lubonakale kwizikhundla zabo lomelele kakhulu. Ngaphezulu kwezo ziveliswe yimpahla yexabiso eliqhelekileyo kunye nomngcipheko omncinci wokuhamba kwazo. Ukuba kuyinyani ukuba lutyalo-mali olunemfashini, kodwa akufuneki uvule izikhundla ngaphandle kolwazi lwangaphambili lokusebenza kwalo.
Ekugqibeleni, uyakubona ukuba kulo nyaka ikunika amathuba amaninzi eshishini. Abanye sele ulindelwe, kodwa ezinye izindululo zinokukumangalisa kukuvela kweendlela zabo. Ngaba ukulungele ukuthatha le mingeni ukusukela ngoku? Ngayiphi na imeko, kuya kuxhomekeka kwisigqibo osithathayo kwezi ntsuku zimbalwa zonyaka zisandula ukuqala.
Inqaku elipheleleyo nelinomdla. Njengoko usitsho, kulo nyaka ubonelela ngamathuba amaninzi oshishino, ekuhambeni kwexesha kuya kubonakala ukuba yeyiphi eyona inenzuzo enkulu.