Enye yeenjongo eziphambili zabatyali zimali zentengiso kukuba bazole ngonyaka we-2020 kwaye bangabinazintlungu ezinokubaphazamisa. Ewe ukwanelisa lo mnqweno, esona sisombululo sisiso siya kuba nokukhetha amaxabiso asemagqabini kwimarike yaseSpain. Abo banokuphuhlisa isimilo esingcono, kodwa ngaphezulu kwabo bonke abakhululiweyo Ukuxhalaba kwinqanaba lakho legalelo. Ukuze ngale ndlela, bakwazi ukulala ngoxolo kwezi nyanga ziseleyo.
Ewe, akuyi kuba lula ukufumana isitokhwe esibonelela ngezi mpawu zikhethekileyo. Kodwa ke uluhlu oluncinci lunokuqulunqwa kunye nezona zindululo zokuxhasa imali yokutyala imali esiyigcinileyo ngesiqinisekiso esikhulu sempumelelo. Kodwa ngaphezulu kwayo yonke into kude nokungazithembi ezinye iinkampani ezidwelisiweyo ezinazo ezingakulungelanga uninzi lwabathengisi abangafuni ukoyikisa ngakumbi ukusukela ngoku. Kwaye emva kwayo yonke eyona minqweno yakhe inqwenelekayo kule khosi intsha.
Ukuze iimfuno zakho zifezekiswe, akukho nto ilunge ngakumbi kunokukhetha ezinye zokhuseleko ezinokuzalisekisa le misebenzi ikhethekileyo. Ngamanye amaxesha ziya kuba zizindululo ezingayi kukumangalisa konke konke, kodwa kunjalo kwelinye zinokumangalisa kubasebenzisi beemarike zentengiso. Kungenxa yokuba ayikhethi ukukhetha okona kulungileyo amaxabiso okuzikhuselaUkuba akunjalo, ngokuchaseneyo, umbono kukujonga okona kuncinci kuzibophelele kutyalo-mali. Nangona zombini ezi zinto zinokuhambelana xa ulungiselela olu luhlu lweenkampani zidwelisiweyo.
I-ACS ngozinzo olukhulu
Eli lixabiso esinokuchitha ngalo le khosi yezorhwebo uzolile kakhulu. Ukuya kwinqanaba lokuba ukungazinzi kwayo yenye yezona ziphantsi kwimarike yesizwe eqhubekayo kwaye le yinto enokukunceda kwimidla yakho. Kuba inenkxaso eyomeleleyo kwaye ezinzileyo ejikeleze i-euro ezingama-31 ngesabelo ngasinye kwaye ukuba nje ayidluli kula manqanaba, unokuhlala uzolile kwizikhundla zakho kwiinyanga ezizayo. Ayothusi into yokuba yenye yeenkampani zokwakha ezikhuselekileyo ukuba zibe nayo kwipotifoliyo yayo ukusukela ngoku. Kwaye nayo inezahlulo ezinenzuzo kakhulu, ngenqanaba lenzala lelo Umjikelo 6% ngentlawulo emiselweyo neqinisekisiweyo minyaka le.
Ngelixa kwelinye icala, eli cala alithethi ukuba amandla alo okuhlaziya anomdla kakhulu ngexabiso ekujoliswe kulo elibekwe kufutshane kakhulu namanqanaba. nge-41 okanye i-euro ezingama-42 kwisabelo ngasinye. Oko kukuthi, isenendlela ephezulu onokuyisebenzisa ukonyusa ibhalansi kwiakhawunti yakho yokonga, leyo, emva kwayo yonke loo nto, ibandakanyeka kwezi meko. Kuba ngoku, awungekhe ulibale ukuba umgca wakho weshishini uhamba ngozinzo olukhulu kwaye le yenye into eyongezelelweyo enokukunceda ukuba uzole kwezi nyanga zilishumi elinambini kwaye ke kude kwezinye iinkqubo ezingacetyiswanga kakhulu kwimidla yakho enjenge encinci kunye nomtyali mali ophakathi. Ngeziqinisekiso ezikhulu zempumelelo kwaye yiyo yonke loo nto uyifunayo ukusukela ngoku.
Enagás, ungaphumeleli okanye uphulukane
Eli xabiso lecandelo lezamandla liyinyani lokuba alinakho ukubanakho ukuphinda livavanywe. Kodwa kwelinye icala, ayinako ukubanakho ukuhla kwexabiso kuqwalaselo lwamaxabiso. Ngenxa yezi mpawu, akukho mathandabuzo ukuba yeyona ndawo ifanelekileyo yokugcina imali ukusukela ngoku. Hayi ilize, iyakuba ikhuselekile kakhulu kwaye ngenzuzo eyongezelelekileyo isasaza esinye sezona zahlulo zibalaseleyo zezibambiso ezenza i-Ibex 35. Ngeqondo lenzala elidlula ngoku Inqanaba le-7%, kwii-echelon eziphezulu kwaye inokuba sesinye isizathu sokwenza ukuthengwa kube semthethweni.
Inkampani le, kwelinye icala, lelinye lamacandelo asebenza njengendawo yokusabela ebusweni beemeko ezingathandekiyo kwiimarike zezabelo. Ngale ndlela, inokusinceda zikhuseleni kokungazinzi okukhulu kule klasi yee-asethi eziyimali. Ke ngoko, sinokuqiniseka ukuba sithenga izinto ezithile ngeli xabiso lengxowa. Kwelinye icala, inemali eninzi kwaye le nto izisa abatyali zimali abancinci nabaphakathi ukungena okanye ukuphuma kwiimarike zemali ngexesha abafuna ngalo. Njengezinye iinkampani ezidityanisiweyo kule okanye kumacandelo aneempawu ezifanayo.
I-Mapfre inee-oscillations ezimbalwa
Inkampani yeinshurensi yesalathiso lolunye ukhetho ukuba sifuna ukuzola kwiimarike zezabelo. Amaxabiso abo kwiinyanga ezidlulileyo sele efudukile kwiqela elincinci kakhulu phakathi kwama-2,20 nama-2,70 euros kwisabelo ngasinye. Ngokusekwa ngokucacileyo nangokwandiswa komgca weshishini emva kokwenza imisebenzi ethile efanelekileyo yeshishini. Ngaphakathi kulo mxholo, ayothusi into yokuba kukhethwe inani elikhulu labatyali mali abanesimo sokuzikhusela okanye sokuzikhusela abathi, ngaphezulu kwako konke, banqwenele ukugcina ulondolozo lwabo ngaphezulu kwezinye izinto ezinoburharha.
Ukongeza, njengakwezinye iindawo ezikhuselekileyo esiphakamisa ukuba sizole kwimarike yaseSpain, ihambisa isahlulo esinomtsalane kubanini zabelo. Ngomdla osondele kakhulu kwi-7%, ngentlawulo ye-0,16 ye-euros minyaka le ngendlela emiselweyo neqinisekisiweyo, nokuba kwenzeka ntoni kwiimarike zezemali. Kwaye ngomgca weshishini obonakala ngozinzo olukhulu kwaye esi sesinye sezizathu zokuba sikwazi ukulala ngcono ngokufakwa kweli xabiso kwipotfoliyo yethu elandelayo yotyalo-mali. Akumangalisi ukuba yenye yezo zikhethwe ngabatyali mali zokuzikhusela ngakumbi.
I-Ferrovial yeyona nkampani ikhuselekileyo yokwakha
Ngaphakathi kweli candelo libalulekileyo le yenye yeendlela ukubheja okungaphaya kwaye banokuyifeza le njongo yakho. Phi, UFerrovial, osebenza kwiziseko zophuhliso kwihlabathi liphela, uzuze iziphumo ezizizo -2019 yezigidi zeerandi kwiinyanga ezilithoba zokuqala zika-104, xa kuthelekiswa ne-59 yezigidi zeerandi kunyaka ophelileyo. I-RBE ime kwi-33 yezigidi zeerandi. Ezi ziphumo ziphenjelelwe lutshintsho lweperimeter xa kuhlelwa icandelo leeNkonzo njenge “zigcinelwe ukuthengiswa” kunye nefuthe lolungiselelo loKwakha olwenziwe kwikota yokuqala.
Ezi ziphumo zizinikezele kubalo-mali kunye nozinzo kwimarike yemasheya kwiinyanga ezizayo. Kwaye ke ingena kwiprofayili yakho njengomtyali mali, ngaphandle kokulahla nayiphi na inzuzo kwezi nyanga kuba inokuba lukhetho lokuphucula imali oyityalileyo ngeli xesha. Ngexabiso ekungekho kulo ukuhla okukhulu kumaxabiso alo, kungabi ngandlela yinye okanye kwenye kwaye oku kuhambelana ngokugqibeleleyo kwiminqweno yokwenza ngokusemthethweni utyalomali ngeli xesha. Okungakumbi ngakumbi xa isitokhwe esinezi mpawu zikhethekileyo sinqabile kwaye ngokuqinisekileyo le yenye yazo. Ngokwabiwa kwesahlulo esinomtsalane ukudala ibhegi yokonga okanye ezinzileyo okwexeshana kwaye ingakumbi ixesha elide.
Ngaphandle kwayo yonke into, uSantander
Esi sigqibo sinokumangalisa indawo elungileyo yabatyali mali abancinci nabaphakathi. Kodwa inyani kukuba iBanco Santander yenye yezokhuseleko ikhuselekileyo apho singabeka khona imali yethu. Ngale ndlela, kwaye ngokubhekisele kwimiba yeBanco Santander, yayo ubukho obulungeleleneyo phakathi kweentengiso ezivuthiweyo nezisakhulayo ziyaqhubeka ukuba yenye yezona zinto zibalulekileyo eSantander. Kodwa kukuba okwangoku izabelo zayo zicatshulwe ngamaxabiso okhuphiswano kakhulu kwaye zikhuthaza ukuthengwa okukhethiweyo ukusukela ngoku. Ukuhamba kumanqanaba aqala kwi-3,30 ukuya kwi-3,80 ye-euro kwisabelo ngasinye.
Ngala maxabiso, umngcipheko ekusebenzeni ungaphantsi kunolunye ukhuseleko kwiimarike zezabelo. Phakathi kwezinye izizathu, kuba amandla ayo okuhlaziya aphakame kakhulu, ngakumbi xa kuthelekiswa namanye amaxabiso ezabelo zamazwe. Ikwabonelela ngesahlulelo nge Inzuzo isondele kwi-6% kwaye sisicwangciso sotyalo-mali esisekwe ekwenzeni iphothifoliyo yengeniso esisigxina ngaphakathi kokwahlukileyo. Kwelinye icala, iluncedo kakhulu ekujonganeni neentshukumo ezingathandekiyo kwimarike yemasheya. Kule meko, lixabiso elingaphezulu kokuthenga kunokuthengisa ngalo mzuzu.
Njengoko sele ubonile, awuyi kuswela kwizindululo zokwanelisa le minqweno yakho kwaye nangona i-2020 ayizukuba ngunyaka olula kakhulu wokuqhuba kwimarike ye-equity. Hayi kangako. Ngenxa yokuba kukho imimangaliso emincinci kwaye engathandekiyo eya kuthi ikulinde kwezi nyanga, kumthambo oza kuphawulwa kukudodobala kwezoqoqosho okufikelele kumazwe e-euro.