Zhizha haisi nguva yakanaka yekudyara. Iyo kondirakiti vhoriyamu yakadzikira zvakanyanya kana ichienzaniswa nedzimwe nguva dzegore. Kusvika padanho rekumhanyisa njodzi yekuti kuchengetedzwa kwakanyorwa kuchadzikira zvakanyanya. Sezvazvakaitika mumitambo yapfuura. Iyi ndiyo njodzi isingakoshi inogona kudzivirirwa kana vashoma nevapakati varimari vakasarudza dzimwe nzira dzakachengeteka dzekudyara. Zvekuti nenzira iyi vanokwanisa kuchengetedza mari yavo kubva kune chero kusagadzikana kunogona kubuda mumisika yemari mumwedzi ino yezhizha.
Kunyangwe paine chokwadi chekuti musika wekuSpain wemusika wakatengesa huwandu hwemamiriyoni makumi mana nemakumi mana nesere makumi masere nesere emamiriyoni emaeuro munaEpril 41,4% kupfuura mwedzi wapfuura, kunyangwe paine mashoma masangano ebhizinesi mumusika. Wakanga uri mwedzi wakanakisa kubvira muna Gumiguru apfuura. Mumakore-pagore mazwi, pakanga paine kudonha kwe25,4%. Iko, huwandu hwekutaurirana hwaive 2,9 mamirioni, ndiko kuti, 7% yakaderera pane munaKurume uye 0,8% yakaderera pane mumwedzi mumwe chete wegore rapfuura. Asi izvi zviyero zvisingaiti se ichadzokorora mumwedzi yezhizha.
Mukati meichi chirevo chizere, isu tichazopa nzira dzakateedzana dzekudyara kuitira kuti iwe ugone kuita kuti mari ichengete mari nayo zvivimbiso zvikuru zvekubudirira. Pasina kusiira chero hupfumi hwemari, kunyangwe uchiita nehungwaru kupfuura zvino. Saka kuti, paunodzoka kubva kuzororo, iwe unowana chiyero muakaundi yako yekutarisa riine hutano. Uye ndiko kuti, shure kwezvose, chii icho chiri zvese nezve mumwedzi iyi yakakosha yegore. Iko, zvichifungidzirwa, kusagadzikana kuchawedzera mumisika yemari, zvese yenyika nekunze kwemiganhu yedu.
Dzimwe nzira: US zvisungo
Iyi ndeimwe yenzira dzehungwaru dzekuisa mari mukati memwedzi yezhizha nekuda kwekuvimba kuti chigadzirwa chemari ichi chinogadzira. Kusvika padanho rekuita kukosha kwechengetedzo pachiitiko chekuti kusagadzikana kunobuda mumisika yemari panguva ino yegore. Iyo purofiti iyo United States zvisungo inogona kuburitsa inofamba mune yakasiyanasiyana inoenda 1,50% kusvika 3%. Iko, pasina kupokana, chikamu chakanaka chevachengeti vevachengeti chinotungamirwa munguva ino yezhizha yegore.
Nzira yakapusa yekubata United States zvisungo iri kuburikidza ne yakagadziriswa mari yekudyara mari izvo zvinoenderana neiyi mari yemari. Iine mukana wekuti inogona zvakare kusanganiswa nemamwe emari midziyo yakakosha kukosha mubato rekudyara. Njodzi dzayo dzakaderera uye mune chero mamiriro ezvinhu dzinodzorwa zvakanyanya kubva pakutanga kwekuvhiya. Inogona kunge iri sarudzo inonakidza kwazvo yekudzivirira zvaunofarira. Kunyanya kana shanduko yemisika yekutengesa isiri iyo inodiwa kune vashandisi vemusika wemasheya,
Mitambo yemwedzi mitatu
Fixed-term bank deposits ndeimwe yedzimwe nzira dzaunadzo panguva ino chaiyo. Uine nguva yekugara Zvaizopera izvo mwedzi wezhizha. Ndokureva, mwedzi mitatu kuitira kuti ugone kushandisa zororo uine rugare rwakakwana rwepfungwa uye kudzivirira matambudziko panguva ino yegore apo iwe unofanirwa kuzorora pamhenderekedzo mushure memwedzi mishoma inonetesa yebasa. Ichokwadi kuti chigadzirwa chemari ichi hachipe purofiti yakawanda sezvo iri kutenderera 0,80%, asi zvirinani iwe unenge uine yakavimbiswa yakatemwa mubhadharo wauchazogamuchira pakukura.
Paunenge uri kune rimwe divi, iwe haugone kukanganwa kana kuti zano rekudyara iri rinogona kukubatsira iwe kusiya mari mumusika wekutengesa munguva yezhizha. Uye iwe unogona kutangazve zvakafanana mushure mezororo. Zvichida nemitengo muzvikamu zvekuchengetedzeka zvinogona kukwikwidza zvakanyanya kupfuura izvozvi. Kune rimwe divi, iri yemhando yekudyara iyo hazvizogadzire makomisheni uye zvimwe zvinoshandiswa mukutarisira nekuchengetedza. Beyond kumwe kufunga kwehunyanzvi. Iyo ndiyo nzira yakanakisa yekushandisa mashoma akanyarara mazuva munzvimbo yako kana kunzvimbo yezororo.
Vhura account inobhadhara zvakanyanya
Mwaka wezhizha usati watanga, inogona kunge iri yekunyepedzera yekumisikidza iyo inonzi account inobhadhara zvakanyanya. Kwavanogona kukupa iwe avhareji uye pagore purofiti inosvika ku2,20%. Ndokunge, zvakapfuura mune zvakajairika zvakagadziriswa zvigadzirwa zvemari. Iko kwaunogona kana kunongedza zvese zvako zvemumba zvikwereti (magetsi, mvura, gasi, nezvimwewo), pamwe nekuwana kiredhiti uye makadhi ekubhengi zvachose mahara. Kubva kwaunogona kubata zvese zvaunoshandisa kana kutora mari kubva kune zvigadzirwa zvehunyanzvi.
Aya marudzi emaakaunzi ari kuiswa mune ino yazvino kupihwa iyo yemabhengi masangano akagadzira uye ayo anoitirwa kukwezva vatengi kubva kumakwikwi. With inopa uye kukurudzira kuwedzera kukurudzira uye nehasha izvo zvinogona kukubatsira iwe kuburikidza nekubhadhara paaccount kuti pamwe iwe hauna kutarisira kuverenga panguva ino yegore. Tichiri kune rimwe divi, hatigone kukanganwa kuti uyu mubhadharo wakatarwa uye wakavimbiswa. Chero chii chinoitika mumisika dzakasiyana dzemari, zvese kubva pamari yakamisikidzwa uye nekuenzana.
Dziviriro kuchengetedzeka pamusika wemasheya
Kana, zvakadaro, iwe wafunga kuti uchaenderera mberi nemari dzako mumusika wemasheya mukati memwedzi yezhizha, haufanire kuisa mari yako panjodzi mumazuva ano akakosha egore. Mupfungwa yekuti iwe unogona kuenda kunodzivirira kana kwakanyanya hunhu hunhu kubva zvino zvichienda mberi. Ivo ndivo vatambi vakanakisa munguva dzakaomesesa dzemisika yemari uye mune zvimwe zviitiko vanogona kutowana kudzoka kunokosheswa. Semuenzaniso, mu magetsi chikamu chikamu izvo zvakare zvine zvikamu zvine purofiti inopfuura 6%.
Ichokwadi kuti ichi chi imwe hasha imwe kupfuura vamwe vese, asi nekutonga kwakakura pamusoro pezvinzvimbo pamusika wemasheya nekuda kwehunhu hwakakosha hwechengetedzo idzi. Iko iwe une zvakawanda zvingasarudzwa zvekusarudza kubva mukati meiyo nyika inosiyana mari. Masheya emitengo anogona kuita mushe mukati memwedzi iyi, kunyangwe paine njodzi iripo pamusoro pekuchinja kwavo mumusika wemasheya Nekuti pakupera kwezuva iri nezve misika yequity nezvazvinoreva mukugadzirisa capital. Iko kupi kuchengetwa kweavo vashoma uye vepakati varimari vanoda kuchengetedza yavo yega zvinhu mazuva ano.
Corporate zvisungo
Imwe nzira yepakutanga yekutarisana nekudyara inoitwa kuburikidza neichi chigadzirwa chemari. Kazhinji, zvisungo zvichawana a coupon ye3,50% yezita pagore, inobhadharwa makota matatu, pane yezita kukosha nguva dzose. Kuwedzeredzwa kwemari kunoitika nekuderedzwa kwezita uye nekota kusvika muna 2038. Iri rinogona kunge riri dambudziko ravo, kuti vane maturiti akareba uye nekudaro vane chinangwa chakanyatso tsanangurwa chekudyara. Iko kunofanirwa kuyedza kuti vane chiyero neyakagadzikana maitiro ekupa chengetedzo huru kune iyo investa.
Iko kupihwa kwazvino pazvisungo kwakakodzera kwazvo uye uchafanirwa chete kutsvaga kambani inogadziriswa inoona nezve kushambadza izvi zvigadzirwa zvemari. Saka kuti nenzira iyi, iwe uri mukana wekuvandudza yako yemari chirevo mukufamba kwenguva. Kuburikidza negero rezvemari rakagara richiwanikwa kune vashoma nepakati varimi. Iko pfungwa yekuchengetedza capital inokunda pane kumwe kufunga kune hukasha mukati memisika yemari. Nemubhadharo iwo wechokwadi unogona kuve unonakidza kwazvo uchienzaniswa nezvimwe zvigadzirwa zvemari zvakafanana maitiro.
Endesa Mazano
Imwe nzira ine hungwaru parizvino inomiririrwa nechinhu ichi chakatorwa kubva pamari yakatarwa. Nekuti zvirizvo, Endesa yakakumbira kubvumidzwa mukutengesa kwechirongwa chayo chitsva chemapepa ezvimbiso e3.000 mamirioni euros yemari yakasarudzika mumusika wakatemwa wemari yeBME. Pasi pechirongwa ichi chitsva, Endesa ichakwanisa kuburitsa chero mapepa ekuvimbisa pamwe neyuniti mazita ezviuru zvemazana euros kana mazana mashanu emadhora uye nekukura. pakati pemazuva matatu ne3. Kusvika padanho rekuva imwe yesarudzo iwe yaunogona kuwana kana usiri kuda kutora njodzi dzakanyanya mukudyara kwakaitwa.
Mupfungwa iyi, CEO weEndesa, José Bogas, akasimbisa kuti "chirongwa chitsva cheEndesa chinosimbisa chinzvimbo chayo seanopa mabenchmark uye chinoratidza chivimbo chemisika mumabasa ekutarisira eSpanish nekunyora mazita." Inofanira kuyeukwa kuti Endesa ine chiyero chenguva pfupi A-2, maonero akadzikama, naStandard & Varombo; kubva P-2, yakagadzikana, naMoody's; uye yeF-2, yakagadzikana, naFitch. Mu2018, Endesa yakawana mari yakaunganidzwa yemamirioni e20.195 mamirioni uye EBITDA yemamirioni 3.627. Nemubhadharo iwo wechokwadi unogona kuve unonakidza kwazvo uchienzaniswa nezvimwe zvigadzirwa zvemari zvakafanana maitiro.