Mapfre inozivisa 'yambiro yeprofit' uye zvikamu zvayo zvinowira pamusika wemasheya

Mapfre akapedzisa zuva iri Muvhuro ne donha padyo ne4%, mushure mekuzivisa kuti ichafanirwa kuongorora zvinangwa zvemari zvehurongwa hwayo hwehukama nekuda kwemamirioniyita akanganisa madutu muJapan nemhirizhonga muChile. Mupfungwa iyi, Mapfre yakacherekedza kukanganisa kwakashata kuri pakati pe130 ne140 mamirioni euros mune purofiti yayo inokosheswa yegore remari ra2019 nekuda kwemadutu apfuura Faxai naHagibis kuJapan mumwedzi waGunyana naGumiguru uye kukuvara kwakakonzerwa nemhirizhonga. muChile.

Izvi zvinokonzeresa pamhedzisiro yazvo, kunyanya kuburikidza nebhizinesi reinsurance, zvinomanikidza Mapfre kuti aongorore zvinangwa zvemari zvinosanganisirwa muhurongwa hwehurongwa hwemakore matatu anopera muna 2021. Uku ndiko kudzosera kumashure kwekuchinja kwezviito zvaro uye zvaiita kunge mumisangano yekupedzisira yemusika wemasheya yakanga yakwira nendege yayo mumisika yemari. Neuptrend iyo ikozvino inoita kunge yakadaidzirwa zvakare mubvunzo nekuda kweiyi yambiro yebhizinesi.

Kwegore ra2020 zvinoita sekunge zvichave zvakafanira kuita nekungwarira kwakanyanya pamwe neukoshi hweizvo zvakafungidzirwa kusvika mazuva mashoma apfuura. Nemhedzisiro shoma yezvakanaka zvevashambadzi vadiki nepakati. Iko kunogovaniswa zvikamu zveinishuwarenzi yeSpain pa2,45 euros, iyo inomiririra kugadziriswa kwe3,7% zvichienzaniswa ne2,57 euros pamugove iyo yakasvika pakupera kwesvondo rapfuura. Muchidimbu, a chirongo chemvura inotonhora izvo zvinogona kubvisa zvinangwa zvevashoma varimi kuti vatore zvinzvimbo mune ino kukosha kweiyo inosarudzika indekisi yeSpain equities.

Ndichengetedze chikamu

Iyo inishuwarenzi yekambani inishuwarenzi yeIbex 35 yazivisa musika nhasi kuti mhedzisiro yayo yegore remari ra2019 ichatora kukanganisa kuri pakati pe130 ne140 mamirioni euros semhedzisiro yemadutu ekupedzisira Faxai naHagibis akaitika muJapan mumwedzi yaGunyana naGumiguru, pamwe ne, padiki padiki, kukuvara kwakakonzerwa nemhirizhonga ichangobva kuitika muChile.

Izvi zviitiko hazvina mitezo yakakosha pane MAPFRE's solvency uye masimba masimba chinzvimbo. Nechikonzero ichi, Bhodhi revatungamiriri veinishuwarenzi rakabvuma, nekufamba kwenguva, kuti vataure kuMusangano weVazhinji weVashandi kuti vachengetedze mubairo we2019 pamari yakaenzana neiya ya2018. Madutu akazunza dunhu reAsia-Pacific. mwaka uno wanga wakanyanya kukuvadza. Hagibis yakaonekwa sedutu rakaipisisa rakamboitika muJapan mumakore makumi manomwe apfuura. Vanhu vanodarika zana vakarasikirwa nehupenyu nekuda kwenjodzi iyi. Mari inofungidzirwa yeinishuwarenzi yezviitiko zvese izvi inodarika zviuru makumi maviri zvemadhora.

Kukanganisa pamaakaundi ebhizinesi

Mhedzisiro yeMapfre yemamirioni 130-140 icharatidzirwa zvakanyanya mubhizinesi reinshurensi, uye yakaverengerwa maererano nekufungidzira kwakaitwa nekambani zvinoenderana nekutaurirana kwemakambani einishuwarenzi. Nepo kune rimwe divi, uku kuwedzera kunoshamisa mumitengo kuchakonzera kudzokororwa kwazvino Strategic Chirongwa 2019-2021. Mhedzisiro yeiyi ongororo ichaunzwa kuMusangano weVanogovana veBoka rinotevera Kurume.

Icho chiri, mune chero mamiriro ezvinhu, chiitiko icho chisina kunge chakarongedzwa neakasiyana ezvemari vaongorori. Kusvika padanho rekuti haigone kutariswa kunze kuti munguva pfupi pfupi mutengo wayo wainogona kudzikiswa uye nokudaro unogona kuburitsa a bearish kudhonza izvo zvinogona kutora masheya ako kumatanho akakomberedza maeuro maviri pachikamu chimwe nechimwe. Nekudaro, kana chiitiko ichi chikazadzikiswa, unenge uri mukana wakanaka wekuvhura nzvimbo kubva kumatunhu iwayo. Nekuti yaizove nekukoshesesa kukosha kupfuura kusvika mavhiki mashoma kana kunyangwe mwedzi yapfuura. Uye saka, iine yepamusoro yekuongorora mikana, senge kubvuma rudzi urwu rwekushanda mumisika yemari yemari.

Mapfre: kiyi ndeye 2,80 euros

Chero zvazvingaitika, zvese zvinoitika kana zvichikunda kushora kwakakosha iko iko iko pamatanho e20 euros. Ichave iyo yekuchinja nzvimbo kuti usvike zvizere kumusoro uko kwave kuchidikanwa kwenguva yakareba uye kuri kutora nguva yakareba kuti zviitike. Zvizhinji mune izvi nguva mushure mekuziviswa kweiyi 'purutso yambiro' iyo yakatungamira kuti migove yayo iwire nesimba guru pamusika wemasheya. Kusvika padanho rekuti chikamu chakakura chevashambadzi vadiki nepakati nepakati vanoshamisika kana vachigona ramba uchidzika pasi kubva zvino zvichienda mberi.

Kune rimwe divi, zvisina kukosha zvakanyanya inyaya yekuti kukosha uku kwakachengetedzwa pasi pemitsara yakatetepa mumutengo. Pakati pe2 ne2,90 euros pachikamu chega chega uye izvo zvinogadzira kuti hapana mafambiro akakura muhuwandu hwayo hwekutengesa, pasina mufaro wakawanda kune vanoita mari avo gore rino vasina kupa mabhenefiti mukushanda kweiyi kukosha mukambani yeinishuwarenzi chikamu. Ichiri kune rimwe divi, chinhu chino chengeta iri pamusoro pe2,30 euros ndiyo chikamu chakakwira icho chainogovera pakati pevashandi vayo.

7% chikamu chemugovano

Chero zvazvingaitika, chimwe chezvikurudziro cheiyi inshuwarisi yenyika ndechekuti inogovera chikamu nemubhadharo pedyo ne7%. Ndokureva kuti, imwe yepamusoro-soro mumari yemunyika inoshanduka uye iri pamusoro kunyange mamwe emakambani emagetsi akakosha eIbex 35. Kuburikidza nemabhadharo maviri akasimbiswa uye anovimbiswa gore rega rega, chero chii chinoitika mumisika yemari. Sezvazvakaitika izvozvi nemhedzisiro yakaipa pakati pe130 ne140 mamirioni euros muprofiti yayo inokosheswa yegore ra2019 nekuda kwemadutu apfuura muJapan.

Saka, saka, chikumbiro pamusika wemasheya icho chiri kungo tarisa kune mapurofesa emari ekuzvidzivirira kana ekucheka anochengetedza. Nekuti ndiyo imwe yetsika dzinoitisa panguva ino kuti igadzire yakatsiga yekuchinjana mari yepakati uye kunyanya yakareba. Kunyanya, semhedzisiro yemutengo wemari mudunhu reyuro, iyo yanga iri munzvimbo isina kunaka kwenguva yakareba, yakamira pa0%. Semhedzisiro yechiitiko ichi, zvigadzirwa zvebhangi hazvibereke zvinopfuura 0,25%. Mune mamwe mazwi, zvingaite musiyano wakakosha zvine chekuita nematanho emabhangi-akasarudzika emabhangi.

Zvigadzirwa zvekuchengetedza

Semhedzisiro yemaitiro aya, Mapfre yakatanga chirongwa che "PIAS 6M", chigadzirwa chitsva chinoponesa hupenyu chine nguva isingaverengeke uye kufarira kuongororwa. Iyo inishuwarenzi yekuchengetedza mukureba iyo inogona kupihwa kondirakiti kamwe chete kana nguva nenguva, uye zvakare inobvumidza yekuwedzera mipiro kuti iitwe chero nguva. Iyi Individual Systematic Savings Plan (PIAS) yakagadzirirwa saver ine chimiro chinochengetedza uye izvo zvinogona kudzikisira kuderera mukubatsira kweizvi zvigadzirwa zvemari. Kunyangwe ichigadzirirwa kwenguva yakakwira yekusingaperi pane mamwe mafomati.

Chero zvazvingaitika, iyi kambani yeinishuwarenzi inofungisisa mune yayo yazvino kupa akasiyana siyana zvigadzirwa zvehunhu. Nemitero yemitero iri pakati pe1% ne2,50%, uye nemamiriro ekubvumirana anobatsira nekuremekedza mamodheru ekuchengetedza anogadzirwa nemasangano echikwereti. Kuburikidza nechisarudzo icho chinozivikanwa nekuve yunifomu chaizvo muchimiro chayo uye purofiti yainopa kune varidzi vezvigadzirwa izvi. Hapana makomisheni kana zvimwe zvinoshandiswa muhutarisiri hwayo kana kugadzirisa kukurudzira vashandisi kuhaya kubva zvino zvichienda mberi. Mune mamwe mazwi, zvingaite musiyano wakakosha zvine chekuita nematanho emabhangi-akasarudzika emabhangi.

Mikana yebhizinesi pamusika wekutengesa

Zvibvumirano zviripo mumari, asi zvinoonekwa nguva nenguva. Dai ichi chaive chikuru tonic mu parquet Vese vatengesi vangave nemari hombe. Chii chinoitika ndechekuti ivo vakanyanya kunetseka kuona. Vazhinji vatengesi vanotenda kuti kuchengetedzeka kwakachipa pamitengo mikana mikuru yekutenga. Kukanganisa kwakakomba, nekuti izvi hazvifananidzwe nekutenga mikana, asi ivo vanotaurwa pamutengo iwoyo nezvikonzero zvakawanda Uye, iwo mutengo uyo iwo musika unoraira, kwete zvakanyanya kana zvishoma. Ndokunge, kwete nekuti Mapfre yakadzikisa kukosha kwayo pamusika wemasheya kuti yakachipa kupfuura nakare. Kana zvisiri, pane kudaro, iyi paramende inotongwa nezvimwe zvakasiyana zvakasiyana zvaunofanirwa kufunga nezvazvo.

Iwo mikana ari chaizvo kana stock yadonha mumutengo pasina chero kururamisa kana nekuda kwekunyepedzera kweiyo nevaichinja izvo nekuda kwezvikonzero zvakasiyana zvinosundira kukosha kuzasi kuti gare gare itenge nemutengo unodhura. Inowanzoitika ne diki uye yepakati-chivharo mumatanda uye, ayo zvakare ane mashoma emari. Ndimo mune iyo chaiyo nguva apo mashandiro ekutenga anogona kuitiswa ayo anogona kuve anobatsira kwazvo kune zvido zvevashambadziri sezvo ivo vakataurwa nezvakakosha kuderedzwa pane izvo zvavanotarisirwa mutengo kuti zvive. Nekukoshesa kwepamusoro pazvinangwa.


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako