Ixabiso elifanelekileyo lokutyala imali

xabiso

Xa ujongene nento enokwenzeka 2018 Abahlalutyi abaninzi bezezimali bakholelwa ukuba lo msebenzi uza kuphela ngophawu oluqinisekileyo. Nangona kungekho phantsi kobunzima bezinye iindlela zangaphambili. Ukuze elinye lamanqanaba anokufezekiswa likwi Amanqaku e-11.000. Nantoni na egqithileyo iya kuthathwa njengothusi oluncinci kwaye ithathelwe ingqalelo njengomvuzo kubatyali mali abancinci nabaphakathi. Ngayiphi na imeko, enye yeenjongo zezi kufuneka ibe kukudala ipotfoliyo echanekileyo nefanelekileyo yokutsala imali kwinto enokwenzeka kwiinyanga ezizayo. Ukusuka kolu luvo kutyalo-mali, uthotho lweembono ngeli xesha alusoze lonzakalise.

Kuya kufuneka sizame ngazo zonke iindlela ukuqwalasela utyalomali ezahlukeneyo. Ngokukodwa, kwimeko yokuba ukuvela kweemarike zezabelo azithandeki kubatyali mali. Ukuze ngale ndlela, ubekwimeko engcono yokuzikhusela kwilahleko enokubakho ngenxa yeemarike zezemali. Kungenxa yokuba ekupheleni kosuku into emalunga nokuba intsalela yeakhawunti yakho yokutshekisha ayikhathazwa yinto enye okanye engaphezulu engacwangciswanga kakuhle kulo nyaka unzima. Apho phantse yonke into inokwenzeka.

Kutshanje ukusukela Fund International Fund (IMF) baqinisekisile ukuba u-2018 uya kuba ngunyaka wokugqibela wokuvuselelwa kwezoqoqosho. Ukuza kuthi ga kwinqanaba lokuba iya kufikelela kumacandelo ezentlalo ebengekafikeleli kwimilinganiselo ebanzi yokuhamba okumnandi kuhlumo lwamanye amazwe. Lo mbandela, kwithiyori, kufuneka ukuba ubungakanani becapapult buphezulu kwiinyanga ezizayo. Kodwa njengokuba usazi kakuhle, imarike yemasheya ayinakulindeleka kwaye ilindele iminyhadala yezoqoqosho enokuthi ivele kwiinyanga ezimbalwa okanye kwiminyaka. Oku ngokwesiqhelo bekuyiminyaka emininzi. Kwaye iya kuqhubeka ukwenzeka, kuba kwimarike yemasheya yimarike yemasheya kwaye akukho sidingo sokuhlala kobu budlelwane nehlabathi elihlala linzima lemali.

Ukhuseleko: tyala imali ngesahlulo

izahlulo

Elinye lamaqhinga okuqala onokuwasebenzisa ukwenza iiasethi zakho zenzuzo kulo nyaka ngumvuzo owahlulwayo kwizabelo zeSpain ngowama-2018. Ngale ndlela, ukubheja okhuselekileyo okhuselekileyo ukusukela ngoku ukuya phambili ngokungathandabuzekiyo yi-Endesa. Le nkampani inenjongo yokuhambisa iipesenti ezili-100 zenzuzo ephunyelelweyo malunga nokuqikelela kweRenta 4 ingafikelela kwi-7,2%.

Olunye ukhetho olunomdla kakhulu ukuba ulandela esi sicwangciso siluqilima I-Mediaset España. Inenzuzo ye-6,2% ngesabelo ngasinye kunye nemodeli yeshishini esebenza ngokwenene kwilizwe lethu. Ngaphaya kwezi zindululo zonke iinkampani zombane elizweni ezenza imbuyekezo kulondolozo lomvuzo wabanini zabelo ophakathi kwesi-5% nesi-6,50%. Imalunga nokufumana ingeniso emiselweyo ngaphakathi kokungafaniyo ngaphandle kokubandakanya iinzame zakho. Kungenxa yokuba yintlawulo oya kuyifumana ngendlela emiselweyo kunye neqinisekileyo ngonyaka. Ngaphandle kokuvela kwamaxabiso abo kwiimarike zemali.

20% yokukhula okunokubakho

Enye yeenjongo eziphambili kulo nyaka kukukhetha izitokhwe ezinokukhula okuphezulu kwinzuzo. Ukusuka kwi-Ahorro Corporación bacebisa amaxabiso athile ahlangabezana nezi mfuno. Ukuya kuthi ga kwinqanaba lokuba inkampani yotyalo-mali ibhaso kulo nyaka umiselweyo 21% amandla Kwiphothifoliyo yayo kunye ne-Acerinox, i-Enagas, iGesi yeNdalo, iMedaset, iMeliá, iRepsol kunye neTelefonica. Kuzo zonke iimeko, ezi zizindululo zokwenza imali ephezulu ezizinzileyo kunalo lonke ukhuseleko kwimarike yaseSpain eqhubekayo. Ke ngoko, baya kukunika ukuzithemba ngakumbi xa uthatha isikhundla kwizenzo zabo.

Esi sicwangciso esiya kusebenza ekuqwalaseleni iphothifoliyo ye- amaxabiso alungeleleneyo kakhulu. Akumangalisi ukuba, phantse onke awona macandelo amelwe kwimarike yaseSpain aya kuthi amelwe. Ukongeza, awungekhe ulibale ukuba izabelo zikwaboniswa kuzo zonke izindululo. Ngomvuzo wabasetyhini onikwa abatyali zimali abancinci nabaphakathi kweli xesha litsha sibhaptiziweyo kulo. Kule ndlela, uya kuba nakho ukuzikhusela ngcono kubungozi obunokubonakala ngeli xesha. Akukho gumbi lokuqikelela okanye elincinci kunye naphakathi kwempahla yesitokhwe.

Utyalo-mali kunyaka olandelayo

santander

Unokuthatha indawo ekubhekiswa kuyo kunyaka esiqala ngawo. Ngeli qhinga, esinye sezona zindululo ziya kwenziwa ngumqolo wokuqala wokukhetha amaxabiso esalathiso. Umzekelo, iFerrovial, i-ACS, iAcciona, iAcerinox kunye neBanco Santander. Zezinye zexabiso eliphakanyiswa kakhulu ngabahlalutyi bezemali. Ngobunzima obuthile ibaluleke kakhulu kwi-Ibex 35. Ke ngale ndlela, unokuphindaphinda ixabiso layo ngamanye amaxabiso alo afanelekileyo. Ewe, ngekhe bakudanise ukuba uguquko lwabo lolona luhle kakhulu kulo nyaka.

Kwelinye icala, kwezinye iimeko zidweliswe phantsi kwe- Ixabiso elibalulekileyo lesaphulelo. Ngenxa yokurhoxa emva kule minyaka idlulileyo. Into eyenzekileyo ngokwenyani kumacandelo athile, afana nokubhankisha. Luphawu olusisiseko kakhulu lokuvula izikhundla kwii-equities zesizwe. Ngaphezulu kwezinye izinto zobuchwephesha kunye nokuqwalaselwa kwesiseko. Akumangalisi ukuba ezi zikhuseleko zikhethiweyo zikwipotifoliyo yotyalo-mali uninzi lwabahlalutyi abadumileyo kwiimarike zezemali. Le yenye yeenjongo ekufuneka uzilandele kulomsebenzi sele uqalile.

Olunye isimanga ngo-2018

Akukho monakalo ekwabeni inxenye yemali yakho kolu hlobo lwamaxabiso awodwa kunye nezinto abanokuzenza kuwe. fumana imali eninzi. Nangona kutshintshiselana ngokuthatha umngcipheko ngakumbi kuyo yonke imisebenzi eyenziweyo. Ewe, esi sicwangciso sotyalo-mali sinokusebenza ngokubaluleka okukhethekileyo. Kubo bonke abo bamelwe ziinkampani ezincinci ezenza imali ezinkulu ezihamba nokungazinzi okuninzi kwaye ngokulula zinokufumana imbuyekezo engaphezulu kwama-50% emva kokuzilolonga. Nangona benomngcipheko wokuba banamatyala amancinci anokukulimaza xa uvula okanye uvala izikhundla.

Omnye wemizekelo ebonisa le meko imelwe yinkampani yonxibelelwano Ngakumbi Imfono ethe ngo-2017 yahlaziywa nge-100%. Ukuba kukho enye yeenkwenkwezi ezinkulu ngeli xesha. Ewe amanye amaxabiso aya kuthatha iinyanga ezizayo, nangona iklasi ilele ekufumaneni le ntshukumo. Omnye wabo banokunika ngaphezulu kokumangaliswa okuhle ukusukela ngoku yi-Eurona. Kukhuseleko oluncinci oludweliswe kwiNtengiso yeNtengiso eSithengisayo (MAB) emalunga nokwenza umtsi omkhulu. Ukusuka kwii-euro ezimbini ekubhalwe kuzo okwangoku kunganyuka ukuya kwisine ukuba izinto ezilindelweyo ezenziwa ngabanye abahlalutyi bezemali ziyafezekiswa.

Imigca yeshishini ezinzileyo

iberdrola

Enye indlela yokwenza ukuba utyalomali lube semthethweni ngo-2018 inokumelwa ziinkampani ezigcina ishishini elihlanganisiweyo ngokupheleleyo. Yiyo i ukuthengisa kwakho kuhlala kulungile nakwinkqubela engagungqiyo. Iya kuba sisicwangciso esinamandla kakhulu ukunqanda ukumangaliswa okungalunganga ngeli xesha. Basenokungalufumani uxabiso oluhle kakhulu, kodwa ubuncinci luya kusebenza ukukhusela ulondolozo ngendlela efanelekileyo neyanelisayo. Uninzi lwezi zisitokhwe lide lihlawule izabelo kubanini zabelo. Imida isusela kwi-3% ukuya kwi-8%. Yenye inkqubo yokwenza inzuzo kwizabelo.

Ngale ngqiqo, enye yezibophelelo eziphambili yenziwa ngokubonakalayo iinkampani zombane. Imele imigca ezinzileyo yeshishini enenzuzo minyaka le. Kuba ekupheleni kosuku banikezela ngeenkonzo ezifunwa ngabo bonke abemi. Izinto zabathengi zinokufakwa kweli qela. Ngokukodwa kumaxesha oqoqosho olunabileyo apho ukusetyenziswa kukhula kakhulu. Ke ngoko, banokuba nomdla kakhulu ukuze ukwazi ukuthatha izikhundla ukusukela ngoku.

Uninzi lwamaxabiso asaseleyo kwimarike yemasheya

Okokugqibela, okhuseleko olurhweba nge isaphulelo kumaxabiso abo. Zininzi izizathu ezibangela ukuba bashiye ngasemva kule minyaka idlulileyo. Ukuba zithathelwa ingqalelo ngokusisiseko, banokuqhushumba phezulu nangaliphi na ixesha. Kwaye kwezinye iimeko ezinokubaluleka kokuhlaziywa kwakhona. Ngaphezulu kwemida engaphezulu kwe-25%. Ukuba kuzo zonke iimeko izinto ezicacileyo zokuthengwa ngabatyali mali abancinci nabaphakathi.

Njengoko sele sibonile, kulo nyaka mtsha uzakuba namathuba amatsha eshishini. Kuya kufuneka usebenzise ithuba elifanelekileyo lokuvula izikhundla ukwenza igalelo lakho lemali libe yinzuzo. Nangona ukuvela kweemarike zezemali kungonelisi ngokupheleleyo kwimidla yabasebenzisi. Awunakukhetha ngaphandle kokuba ubekwindawo elungileyo ngexesha elifanelekileyo. Esi sisitshixo kutyalo-mali olulungileyo.


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