Akungabazeki ukuthi enye yezimfuneko zokwakha iphothifoliyo yethu yokutshalwa kwezimali ukuthi izibambiso zinamandla amakhulu okukhula noma ukwanda. Lokhu kuzoba ngenye yezinto ezizothinta ukukhetha kwakho inketho eyodwa ye-equity kunenye, kuthathe indawo yezinye izinto ezingabalulekile kangako ukuze ukonga kwakho kukhule kusukela manje kuya phambili. Ngakho-ke, kuzobaluleka ekwenzeni ukukhetha okungcono kakhulu . Kodwa-ke, le nqubo ngeke ibe nezinkinga noma ezinye izinkinga ezingavela lapho uvula izikhundla emakethe yamasheya.
Nakuba ukusebenza kwamasheya asekhaya kube kuhle ngokwezinga elithile ngenxa yezintshisekelo zakho kuze kube manje, kusenezitoko eziningana ezingase zisebenze kangcono. Lezi yizitoko okufanele uzisebenzise ukuze wandise imbuyiselo yakho kukho konke ukuthengiselana kwezabelo, uhlose ukuthola iphesenti eliphezulu kakhulu kulokho okufanele kube isu lakho elisha lokutshala imali.
Ngempela, kulo lonke unyaka, kunezitoko eSpain ezinethuba lokukhula okukhulu. Lokhu kusekelwa idatha yezomnotho ekhulayo, okuhlanganisa nokuthambekela kwamanje kwamazinga enzalo ku-Eurozone . Lawa mazinga azungeze u-0%, futhi kunamathuba okuthi ahlale isikhathi eside. Lesi yisici okufanele usicabangele ukuze uthuthukise wonke amasu akho okuhweba.
Amasheya okukhula aphezulu
Cishe uyazibuza ukuthi yimaphi amasheya anikeza amathuba amahle kakhulu ezinyangeni ezizayo . Kungase kungabi maningi, kodwa anele ukukhiqiza imbuyiselo enkulu nokukhulisa imbuyiselo yakho ekutshalweni kwezimali emakethe yamasheya esikhathini esizayo. Njengoba kunezimo zamanje zemakethe, nansi eminye imibono yokukusiza ukuthi udlule emhlabeni wezezimali oyinkimbinkimbi njalo.
Lokhu ukuthenga okucacile ngoba kunamandla amakhulu okukhulisa , kwezinye izimo ngamadijithi amabili, ukuze kuhlangatshezwane nalokhu okulindelwe okulindelwe kakhulu. Kusukela ezindleleni zokutshala imali ezigcina imithetho kuya ezindleleni ezinkulu kakhulu, nakuba kungezona ngaphandle kwezingozi ezinkulu. Kungakusiza ukuthi wakhe iphothifoliyo yakho yesitoko ngempumelelo enkulu, kodwa futhi ngamathuba amancane okwenza iphutha ozozisola ngalo ezinsukwini ezimbalwa nje ngemva kokuthenga.
Kuzoba yinto ephawulekayo yosizo ukuze ukwazi ukufinyelela umgomo wakho oseduzane ekugcineni. Akukona okunye ngaphandle kokukhuluphisa ibhalansi ye-akhawunti yokonga. Lapho kuba ngcono, ngakho-ke kungcono, njengoba kunengqondo ngakolunye uhlangothi. Ukwenza lo msebenzi ube lula kuwe, akukho okungcono kunokukhethwa okufushane kepha okunamandla kwamasheya anamandla okukhula amaningi. Ngabe ufuna ukwazi ukuthi amanye alawa mave ayini?
I-Acerinox, ama-euro amaningi phambili
Uma kukhona isitoko esisodwa esinalezi zici okwamanje, yile nkampani yezimboni. Amasheya ayo abelokhu ekhula iminyaka emibili manje, kulandela iminyaka eminingi yokwehla okukhulu. Lo mkhuba omusha ungakhuphula intengo yawo ibe ngaphezu kuka- €15 ngesabelo . Ukumelana kwawo okunamandla esikhathini esifushane nesiphakathi kungama-€13. Kodwa-ke, uma udlula kuleli zinga, unethuba elikhulu lokufinyelela amazinga aseduze kuka-€15 ngesabelo. Ukusuka lapho, ungakhuphukela emazingeni aphezulu nakakhulu futhi ungene emkhubeni wokukhuphuka wesikhathi eside.
Ngaphezu kwalokho, esinye isici esibalulekile esisekela leli qhinga ukuthi okwamanje alinakwa kakhulu. Kukhona amathuba okwanda okuqhubekayo, mhlawumbe okubaluleke kakhulu kunesimo samanje sokukhuphuka, ikakhulukazi uma lokhu kunyakaza kusekelwa ukusebenza okuhle ezimakethe zamasheya. Lokhu kuzoba yisikhuthazo esengeziwe sokutshala imali kulesi sitoko. Kubalulekile futhi ukukhumbula ukuthi siyisitokwe esijikelezayo, esinazo zonke izingozi nemiphumela ehambisana naso.
Bankia, enhlokweni yamabhange
Leli qembu lezezimali linethuba eliphezulu lokukhula emakethe yamasheya kazwelonke. Kunjalo impela kangangokuthi lingenye yezimali ezinconywe kakhulu ngabahlaziyi bezezimali abahlukahlukene. Imiphumela enamandla eboniswe kumakota amuva nje iyisiqinisekiso esihle kakhulu sokusungula isikhundla sesikhathi esiphakathi kuya kweside. Lingenye yezinketho ezisebenzayo kakhulu zokwenza ngcono ukuhweba ngamasheya.
Lokhu kutshalwa kwezimali okuphephile kakhulu okukhanga abatshalizimali abancane nabaphakathi ngoba kungenye yezindlela eziphumelela kakhulu zokuvikela izintshisekelo zakho zomuntu siqu. Omunye wemibuzo ebalulekile ephathelene nokusebenza kwayo ukuthi ingabe izodlula ngempela izinga elibalulekile lama-euro amabili, nokuthi ingaya yini phambili futhi ifinyelele imigomo enezifiso eziningi. Ngokusho kwabahlaziyi bezimakethe zezimali abaphambili, lokhu kuwumgomo okungafanele kube nzima ukuwufinyelela.
Njengamanje, kuyisiphakamiso semakethe yamasheya esithandwa ngabahlaziyi futhi sibekwe phezulu kunamanye amabhange , okuhlanganisa i-BBVA ne-Santander . I-Bankia ngokungangabazeki ingaba ngesinye sezimanga ezinkulu ezinyangeni ezizayo, ikakhulukazi njengoba kungenzeka ukuthi isabalalise ama-dividends kubanikazi bamasheya. Lokhu kungaba izindaba ezinhle kakhulu kubagcini bezimali, okungenzeka kubeke isisekelo sokukhuphuka okwengeziwe kwentengo yayo yamasheya.
Telefónica: ilinde isaziso se-bullish
Le nkampani yezokuxhumana yaseSpain ingenye i-stock engathuthukisa i-Ibex 35 ezinyangeni ezizayo. Uma izimakethe zamazwe ngamazwe ziyisekela, abatshalizimali abangabazi ukuthi lokhu kuzoba ngenye yezinketho zemakethe yamasheya ezikhuphula kakhulu. Kucatshangwa ukuthi ingafinyelela ezingeni layo lokusekela elimisiwe elingu-€15 ngesabelo ngasinye . Kunoma ikuphi, lokhu kuzoba yizinga elibaluleke kakhulu okuzodinga ukuliqapha kusukela manje kuqhubeke.
Ngaphezu kwalokho, ingenye yamasheya anethonya kakhulu ku-benchmark index yaseSpain, enemiphumela kweminye imikhakha yemakethe yamasheya yaseSpain. Ngemuva kwesikhathi eside sokuhweba okujulile , okuye kwaba yinto ekhathazayo kakhulu, okukushiya ungakwazi ukuhlela noma yiliphi isu lokutshala imali, kungaba ukuthenga noma ukuthengisa amasheya, sekufikile ekugcineni. Ngoba, njengoba nje yehle isuka ku-€15 ngesabelo, ingabuyela emuva kalula.
I-Amadeus: idatha enhle yezokuvakasha
Lapho kuhlanganiswa uhlu lwamasheya angase asebenze kangcono kunawo wonke emakethe, izinkampani emkhakheni wezokuvakasha azinakwa . Lokhu kuyiqiniso ikakhulukazi uma kucatshangelwa isimo samanje esihle saleli bhizinisi, ikakhulukazi ukwanda kwezivakashi ezweni lethu, okungaholela izinkampani ukuthi zithumele imiphumela engcono kakhulu. Kulokhu, ipulatifomu yokubhukha i-Amadeus ingaba enye yezinketho okufanele zicatshangelwe ngabatshalizimali abancane.
Iphrofayili yayo yobuchwepheshe iphakathi kwezingcono kakhulu emakethe yamasheya yaseSpain. Ngaphezu kwalokho, inemodeli yebhizinisi ezinzile ngokumangalisayo, ngisho nangezikhathi ezimbi kakhulu zomnotho wamazwe ngamazwe . Ngakho-ke, bekungeke kumangaze uma ibingabhekana nokukhula okusha okunamandla, okungenzeka kuholele ekubuyiselweni kwama-euro amaningana ngesabelo ngasinye. Ngaphezu kwalokho, njengenzuzo eyengeziwe, iwukutshalwa kwezimali okungenazo izingozi ezinkulu, noma okungenani ngaphansi kwezinye izinkampani ezisohlwini lwemakethe yamasheya yaseSpain.
Iphothifoliyo yenani eliqinile futhi elinokwethenjelwa
Kubhekwa njengento ebalulekile ekwakheni iphothifoliyo yokutshalwa kwezimali elinganiselayo ngabahlaziyi bemakethe abaphambili. Kungahlanganiswa ngisho nezinketho ezinobungozi obukhulu . Amandla omkhakha wezokuvakasha angenye yeziqinisekiso zawo, okuqinisekisa ukusebenza kwawo okuqhubekayo. Kukhanga abatshalizimali abaningi, kusukela kwabagcina kakhulu kuya kulabo abakhetha amabhizinisi aqagelayo.
Ngamafuphi, lezi ezinye zezitoko ongaqala ukutshala imali kuzo manje. Amathemba aphezulu kakhulu, futhi izingozi zilinganiselwe —inhlanganisela ephelele kubo bonke abatshalizimali. Ukuthi imakethe yesitoko iyonke izosekela amanani amasheya alezi zinkampani kungenye indaba ngokuphelele. Ngisho nasesimweni esibi kakhulu, bazobe bevulelekile ekuthengeni okukhethiwe ngemva kwamaholide, lapho kungenzeka ukuthi benze kahle kakhulu. Lokhu kuzokuvumela ukuthi usebenzise kahle ukunyakaza kwakho ezimakethe zamasheya. Ngokuqinisekile ngeke uswele amathuba. Lezi yizibonelo ezimbalwa nje ezinikezwa yimakethe yesitoko.
Lokhu kungenziwa ngokuthenga nokuthengisa amasheya ku-stock exchange noma ngeminye imikhiqizo yezezimali . Lokhu kufaka phakathi izimali zokutshalwa kwezimali, izimali ezihwebelana ngokushintshana (ama-ETF), amawaranti, noma ukuthengisa okufushane uma uzimisele ukuthatha ingozi eyengeziwe. Kunoma ikuphi, konke kuzoncika kuphrofayela yakho yamanje yabatshalizimali ukuthola imodeli yokonga efanele kakhulu yezintshisekelo zakho. Futhi-ke, kudingeka inhlanhla encane ukuze wenze ukukhetha okufanele futhi uthuthukise ukuthambekela okuhlala isikhathi eside esikhathini eside noma esingaphansi. Ngokuqinisekile, ngisho nokulungiswa ngezikhathi ezithile, amasheya okwamanje ayindlela engcono kakhulu yokwenza imali yakho yamanje ye-akhawunti ikhule.