Amaxabiso ama-5 aphucule inkangeleko yabo kwezobuchwephesha kwiintsuku ezidlulileyo

Ukubuya kweeholide kuzise inkqubela phambili ebonakalayo kwizalathi zeetekhnoloji zentengiso yamaxabiso amaxabiso eSpeyin. Emva kwendlela yokuthengisa eyomeleleyo kwiinyanga zika-Agasti nangoSeptemba, ekugqibeleni bakwazile ukwenza njalo Yoyisa izixhasi yokufaneleka kakhulu kuhlalutyo lobugcisa. Ukuza kuthi ga kwinqanaba lokuba ungangena kwizikhundla zabo ukuzama ukwenza inzuzo ngokuhamba kwabo, ubuncinci kwixesha elifutshane. Ngophuculo oluqhubela phambili ngoochwephesha kwimarike yesitokhwe kwaye oko kunokubanceda ukuba baqhubeke kwakhona nokunyuka okuphezulu kunye namaxesha amade okusisigxina.

Kuzo zonke ezi meko zimele ithuba lokuthenga kwaneendleko zokuthatha umngcipheko othile ovela kukuhla okunamandla kwamaxabiso abo kwiinyanga zasehlotyeni. Apho kwezinye iimeko, uwele ngaphezulu kwe-10%, ngakumbi elona candelo libetheka kakhulu kwi-Ibex 35, nebezibhanki. Ngaphandle kokugweba ngalo naliphi na ixesha ukuba baphinde baqhubeke nokuhla kwabo ngenxa yemeko yeemarike zezabelo. Ayothusi into yokuba sijamelene nexesha elinzima kakhulu lokusebenza kwintengiso yesitokhwe kwaye le yinto engenakulibaleka kwezi ntsuku.

Kwelinye icala, kubalulekile ukuba uqaphele ukuba ezi equity zikazwelonke zikwimeko yokungaxatyiswanga kakhulu ngenxa yokuhla kwestokhwe samasheya. Ngaphezu koko, kwezinye iimeko zimalunga nokhuseleko ebizwa njengexabiso, Ezisemfashinini kakhulu phakathi kwabaphathi bakazwelonke nakwamanye amazwe ngenxa yamandla abo aphezulu okunyuka. Logama bencedwa ziimeko zentengiso yezabelo. Kodwa kuyo nayiphi na imeko, kwixesha eliphakathi nelide banokwenza ngcono kakhulu kunamanye amaxabiso wentengiso kazwelonke eqhubekayo.

Eyona nto iphambili kubuchwephesha: iSantander

Kubonakala ngathi iyekile ukuhla kwayo kwimarike yemasheya ejikeleze i-3,40 euro ngesabelo ngasinye emva kwembambano enkulu esezantsi eshiye abanini zabelo bechukumisekile. Ngoku uzama ukulwa nokoyisa umqobo anawo ngalo mzuzu Iiyure ezi-4 kuphela. Ukuba iyaphumelela, iya kuba nakho ukutsala iphakame kakhulu kwiinyanga ezizayo kuba iyathengisa ngesaphulelo esinexabiso kwixabiso ekujoliswe kulo linikezelwe ngabalamli bezezimali. Ukwazi ukuba yenye yexabiso eliza kuphinda lihlaziye ezona ntsuku zizayo ukuba uguquko lwe-Ibex 35 lulungile.

Kwelinye icala, ibhanki ekhokelwa ngu-Ana Patricia Botín yenye yezona zinto zibalulekileyo ezisisiseko kulo lonke icandelo lezemali. Ukusuka kule ndawo yokujonga sinokulindela ukuba yenze ngcono kakhulu kunokhuphiswano. Ingakumbi kuba ixabiso layo ayibonisi ixabiso layo Ngokwenyani njengoko kuchaziwe kubahlalutyi bemarike yezemali. Ngamanye amagama, unokuninzi onokukuzuza kunokulahleka ngoku ukuba uvula izikhundla kwenye yeetshiphusi eziluhlaza kwimarike yesizwe.

UMapfre wohlwaywe kakhulu

Inkampani yeinshurensi yenye yexabiso le-Ibex 35 enokunyuka ngokukhawuleza xa incedwa ziimarike zesitokhwe. Xa yonke into ibonakala ngathi izokuya kuthintelo olubalulekileyo ebenalo kwi I-3 euro ngesabelo ngasinye imarike yemasheya yehle kakhulu kwiinyanga zasehlotyeni. Ukuya kwinqanaba lokuba liyizise kumanqanaba asondele kakhulu kwii-euro ezingama-2,30, ixabiso elikwakude nexabiso ekujoliswe kulo. Ewe kunjalo, lukhuseleko oluye lwagwetywa kakhulu kwiimarike, kodwa nangawuphi na umzuzu inokuphinda iqalise kwakhona into eyayishiye ukuphela kwehlobo. Akumangalisi ukuba, ngokusisiseko awunyanzelekanga woyike kakhulu kwizikhundla zakho.

I-inshurensi yesizwe, kwelinye icala, yinkampani edwelisiweyo enganikezeliyo ngokunyaniseka okukhulu kuqwalaselo lwamaxabiso ayo. Ukuba akunjalo, ngokuchaseneyo, kuzinzile xa usiya kwiinyanga ezidlulileyo kwimfoloko ehamba ukusuka kwi-2,30 ukuya kwi-2,80 ye-euro ngesabelo ngasinye. Ewe kunjalo, ukuba le nkcaso yokugqibela inokuqhawulwa, akukho mathandabuzo ukuba inokujoliswa kwiinjongo ezinamabhongo ngakumbi ukusuka kwindawo yecebo lokujonga. Nokuba kunokwenzeka ukuba usondele kumanqanaba nge-3,50 euro. Ngeli xesha, ukubanakho ukuphinda kuvavanyeke kuphezulu kakhulu ngalo mzuzu kanye.

ISabadell yeyunithi ye-euro

Kwakhona enye ibhanki kwi-radar yokuthenga kwimarike yemasheya kwaye kule meko ngexabiso eliye lathengisa ngaphantsi kweyunithi ye-euro. Kunzima ukuphuma kule meko inzima kodwa ukuba iyenzeka, akukho mathandabuzo ukuba inokuthi iye phezulu kakhulu ekumiselweni kwamaxabiso ayo. Ngale ndlela, asinakho ukulibala ukuba eli qela lezemali lehle ixabiso lisondele kuma-50% kule minyaka mithathu idlulileyo. Ukuba yibhanki eye yawa kakhulu Kunye neCaixabank. Ngale meko, inokubanakho ukuphinda ibe nakho ukubanomdla wokutsala umdla wabatyali mali abancinci nabaphakathi.

Ngelixa kwelinye icala, asinakulibala ukuba le bhanki yeyona ihambisa esona sabelo sikhulu sesalathiso esikhethiweyo sezabelo zamazwe. Ngembuyekezo ngeli xesha lokonga kufutshane kakhulu ne-9%. Kwinto eyenziwe njenge ithuba lokuthenga, ubuncinci kwixesha eliphakathi nelide. Ngamanye amagama, ibonelela ngembuyekezo eqingqiweyo kwaye iqinisekisiwe minyaka le kwaye iyenza ukuba ibe nomtsalane kakhulu kwiprofayili ethile yomtyali mali. Ngayiphi na imeko, lolunye ukhuseleko ekufuneka lubekelwe bucala ukuba kuyinzuzo ukuvula izikhundla ukusukela ngoku.

I-Telefónica: ithuba lokuthenga

Umnxeba kazwelonke ngokugqwesa yenye yexabiso elikhulu elinokusinika uvuyo kwiinyanga ezizayo. Ngokukodwa, ngenxa yokuba yehle kangakanani kwimarike yemasheya kwaye oko kukhokelele ekubeni iwele ngaphantsi kwe-6 euro ngesabelo ngasinye. Xa kwiinyanga ezimbalwa ezidlulileyo kwakunzima ukusondela kumanqanaba e-8 euro. Oko kukuthi, inendawo eninzi yokubuyela kwimeko yesiqhelo kwaye nangakumbi ukuba ixesha lokusisigxina lomsebenzi lihamba zijolise ekuphakathi okanye ezide. Ngayiphi na imeko, yenye yamaxabiso awathandayo abahlalutyi bezemali ababona ithuba lokuthenga elikhulu kwinkampani edwelisiweyo. Ngaphezulu kolunye ukhuseleko oludweliswe kwintengiso kazwelonke eqhubekayo, kwaye ngaphandle kwetyala elingene kwinkampani.

Ngelixa kwelinye icala, kufuneka sigxininise ukuba ibonelela ngolwabiwo oluphezulu kakhulu, ngenzuzo ekufutshane ne-7%. Ukuhlawula abanini zabelo kwi-0,40 euro rhoqo ngonyaka kwaye ngendlela engaguqukiyo kwaye kungabikho mahluko kwipesenti. Kwelinye icala, elinye icala ekufuneka lixabiswe kwixabiso lelinye lamalungu eeklip ezibizwa ngokuba zii-blue chips ze-equities zesizwe, nazo zonke izinto ezibonisa ukuba le nto ifuna ukuyibonisa kubatyali mali abancinci nabaphakathi. Apho yonke imihla ihambisa isixa esifanelekileyo sokhuseleko phakathi kweearhente zotyalo mali. Ukongeza, inenzuzo yokuba amaxabiso okuthenga kunye nokuthengisa anokuhlengahlengiswa kakuhle.

I-Arcelor, kodwa inobungozi obungaphezulu

Ngayiphi na imeko, ukuba kukho ukhuseleko olunokuba nomlinganiso wokuhlaziya, le yinkampani yentsimbi yamanye amazwe. Kodwa ukuqaphela umngcipheko wayo ekusebenzeni kukhulu kakhulu. Kuba ngu Ixabiso lokujikeleza ngokugqwesa kwaye oku xa kusenziwa kuthetha ukuba sisicatshulwa esikhuthaza kakhulu ngamaxesha okwandiswa koqoqosho. Kodwa ngokuchaseneyo, ukuwa kwabo kubukrakra ngexesha lokudodobala kwezoqoqosho. Ngenxa yale meko, ukuba kuya kubakho ukumisa kuqoqosho lwehlabathi, esona sicwangciso silungileyo esinokuyenza ngeli xabiso kukushiya kude kube lithuba elingcono.

Akumangalisi ukuba, ukuba uqoqosho luyehla ukusukela ngoku, akukho sizathu sokuba amaxabiso eArcelor aqhubeke nokuhla njengoko ebehleli ukuza kuthi ga ngoku. Ukusuka kule ndawo yokujonga, eli xabiso lahlukile kwezi sizikhankanyileyo njengethuba lokuthenga. Kungenxa yokuba kuya kufuneka ukhumbule ukuba ukuthenga nokuthengisa izabelo kwimarike yemasheya yeyona ndlela yokwenza utyalo-mali. Kodwa asazi ukuba leliphi elona xesha lilungileyo lokungena okanye ukuphuma kweli xabiso kuba lelona linzima ukusebenza.

Ngale ndlela, ungathandabuzi ukuba yinto ethile yokwenza uhlobo oluthile lwesicwangciso-mali sotyalo-mali. Kungcono ulinde idatha ye-macro ukuba iphucule kakhulu kule minyaka imbalwa izayo. Apho, ngeli xesha, inokukhulisa amandla aphezulu angaphezulu kokufanelekileyo kwaye angaphezulu kolunye ukhuseleko kwiimarike zokulingana zikazwelonke. Ngethuba lokuxabisa malunga ne-50%, njengoko kwenzekile kwiminyaka edlulileyo. Ke ngoko, akukho sisombululo ngaphandle kokulinda ukuba asifuni kufumana ezinye izinto ezingalindelekanga.


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