Ukuphindaphinda okwenzekileyo kwiiveki ezisandula ukwenziwa kwisalathiso se-equity index, i-Ibex 35, kukhokelele ekubeni kuvavanye indawo yamanqaku angama-9600. Oku kukuchasana kokugqibela ngaphambi kokufikelela kwinqanaba leengqondo le-10000 kwaye nakweyiphi na imeko sikwindawo ephezulu yonyaka kwiinyanga ezilishumi elinambini ezidlulileyo. Kwelinye icala, kufanele ukuba kuqatshelwe ukuba okoko ihleli kula manqanaba kukho ithuba lokwenene lokwahlukana okubaluleke kakhulu. Akumangalisi ke, isibakala sokuba izikhombisi zesalathiso sikazwelonke zihlala zilungile. Kwaye le yinto edlala ithuba lokuthatha izikhundla esitokisini ngeyona nto ilungileyo kwezobuchwephesha.
Kule meko, kubaluleke kakhulu ukubonisa ukuba i-Ibex 35 ikrazukile phakathi kwemisinga emibini enzulu enokuthi ikhokelele kunyuko okanye ezantsi kuxhomekeke kwindaleko enokuthi ithathe le marike yengeniso eyahlukileyo. Ukuze ngale ndlela, imeko esecaleni ebithengise kuyo kule minyaka mibini idlulileyo inokushiywa kube kanye. Ngama-margins aphakathi kwe-8.500 kunye ne-9.800 yee-euro kwaye ngoku inokuvelisa i- balekela kwicala elingasentla. Ngale ndlela, umthamo wekhontrakthi onokuthi uveliswe ukusukela ngoku uya kubaluleka kakhulu.
Ibex 35, nangona kunjalo, yenye yee-indices zesitokhwe eziye zaqhuba kakubi kakhulu kwii-equities zaseYurophu. Ngenxa yeempawu ezizodwa zolu rhwebo lwezezimali, kodwa ngaphezulu kwako konke ngenxa yokuxhomekeka kakhulu kwicandelo lebhanki, nelibe lelinye lezona zinto zibambekayo kweli xesha. Kwelinye icala, asinakulibala ukuba isalathiso sikazwelonke esikhethiweyo sisindwe yimeko zopolitiko kwilizwe lethu kwaye sizithintele ukuba sifikelele kumanqanaba aphezulu kuqwalaselo lwamaxabiso aso. Kunye ukwahluka phantse i-5% xa kuthelekiswa nezinye ii-indices kwimeko yethu yaseYurophu.
Ibex 35: amaxabiso anamandla
Ngayiphi na imeko, kukho inani leenkampani ezidwelisiweyo ezisebenza ngcono kwezi nyanga zonyaka. Elinye lala matyala limelwe licandelo lombane elonyuke ngokunyuka kumaxabiso alo. Ukuza kuthi ga kwinqanaba lokuba indawo elungileyo yamaxabiso esitokhwe asondele kakhulu kubuninzi bonyaka kwaye kwezinye iimeko kwanezembali. Njengomzekelo, kwiimeko ezithile ze Endesa kunye noIberdrola eziye zafikelela kumanqanaba angama-25 kunye nama-9 euros ngesabelo ngasinye, ngokulandelanayo. Ngokuhlaziywa ngaphezulu kwe-15% kwiinyanga ezilishumi elinambini ezidlulileyo.
Omnye umba ekufuneka uthathelwe ingqalelo koku kukusebenza kakuhle okuthe ezinye zeempawu zecandelo lenkonzo zibe nazo. Ukuza kuthi ga kwinqanaba lokuba zezinye zezona zixhamle kakhulu koku umxholo Kwaye oko kuthetha amathuba okwenene eshishini athe avelisa inzuzo ephezulu kwimisebenzi eyenziwa ngabatyali zimali abancinci nabaphakathi. Kwimida yolamlo ukusuka kwi-5% ukuya kwi-30% kuxhomekeke kwisindululo ngasinye esikhona kwimarike yaseSpain eqhubekayo. Ngaphandle kwenyani yokuba kwiimeko ezininzi ziinkampani ezincinci kunye neekopu eziphakathi.
Ungaya kude kangakanani?
Omnye wemibuzo abarhwebi abaninzi abancinci nabaphakathi bayazibuza yona ngamanqanaba anokufikelela kwisalathiso esikhethiweyo sezabelo zamazwe. Ewe, ukuba umda wengqondo we-10.000 euros ugqithile, ayinakugwetywa ngaphandle ukuba inokufikelela kakhulu malunga ne-11.000 euro. Ngamanye amagama, iya kuba nenqanaba elibonakalayo eliya phezulu kwaye iya kusebenza ukuvula izikhundla ukusukela ngoku. Kuba uptrend onomdla kakhulu uya kuvula ukutyala imali kwimarike yemasheya. Ngaphandle kwezilungiso ezinokuphuhliswa ngeli xesha kwaye ezinokuthi zisebenze nangayiphi na imeko ukungena kwizikhundla ngexabiso elinokhuphiswano ngakumbi kunangoku. Ukuze ngale ndlela, kungabikho zimangalo ezinokuthi zitshintshe ikomkhulu lotyalo-mali, xa kujongwa imeko engafunekiyo kwimarike yezabelo zamanye amazwe.
Ngelixa kwelinye icala, ukuba inqanaba le-10.000 alinakoyiswa, alithandabuzeki elokuba imeko esezantsi iya kuba nzima kakhulu ukusukela ngalaa mzuzu ukuya phambili. Ngoxinzelelo olunamandla lokuthengisa kunesiqhelo kwaye inokuthatha i-Ibex 35 kumanqanaba angaphantsi kwe-9.000 euro. Kule meko, ngekhe kubekho enye indlela ngaphandle kokuziyeka izikhundla ujongane nento enokwenzeka kulo nyaka. Kungenxa yokuba kuya kubakho umngcipheko omkhulu ngakumbi kunalawo anikwe amandla ngalo mzuzu kwaye i-euro ezininzi zinokulahleka apha endleleni. Ngamanye amagama, esona sikhundla sinokuthi sithathe kukugcina ulwelo ngokupheleleyo kwaye silinde umjelo wentengiso ukuba uphele. Ukuba lelinye lamathuba anokuphuhliswa ukusuka kula maxesha achanekileyo.
Ibex ithengisa ngesaphulelo
Kukho into ekufuneka ithathelwe ingqalelo ukuphuhlisa nasiphi na isicwangciso kutyalo-mali kwaye siya kuhamba kuxhomekeke kwiprofayili oyibonisa njengomtyalomali omncinci nophakathi. Inokuhamba isuka kwezinye iindawo zokuzikhusela iye kwezinye iye iqikelele kwaye kuzo zombini iimeko banenjongo efanayo engeyiyo enye ngaphandle kokwenza inzuzo ngokulondoloza kwesi sithuba sexesha. Kananjalo nokukhetha ukuphuhlisa ukutshintshiselana ngokulondolozwa kwexesha eliphakathi nelide kwizikhuseleko ezihambisa izabelo phakathi kwabanini zabelo. Ngelixa kwelinye icala, ayinakulityalwa ukuba i-Ibex 35 ithengisa ngezaphulelo xa kuthelekiswa nezinye izitokhwe zaseYurophu kwaye le yinto enokudlala kwimidla yakho.
Ukusuka kule ndawo yokujonga, ulumkiso kufuneka lulawule amanyathelo kwintengiso yesitokhwe ngabatyali zimali zentengiso. Ngenjongo ephambili yokugcina ukonga ngaphezulu kwezinye izinto zobuchwephesha kunye nokugcina imali eseleyo kwiakhawunti yezokhuseleko. Akumangalisi ukuba oku emva kwayo yonke enye yeenjongo zayo kwangoko, njengoko kubonisiwe kule minyaka idlulileyo njengesicwangciso sotyalo mali. Ukuze ngale ndlela, kungabikho zimangalo ezinokuthi zitshintshe ikomkhulu lotyalo-mali, xa kujongwa imeko engafunekiyo kwimarike yezabelo zamanye amazwe. Ngokulawula ukusebenza kwimarike yemasheya kwaye oko kunokukunceda ukuba uphucule isikhundla sakho kwiimarike zezemali.
Ixesha lokuthatha isigqibo kutyalo mali
Enye into ekufuneka ivavanyiwe yile ibhekisa kwinto yokuba imarike yestokhwe saseSpain inakho yenza umhlaba olahlekileyo kule minyaka imbalwa idlulileyo. Kwaye ngale ndlela, inokuba lithuba loshishino lokwenza ukonga ngenzuzo ukusukela ngoku. Akumangalisi ke, ukuba akunakulityalwa ukuba izikhombisi kwizalathiso zikazwelonke zihlala zilungile kwaye le yinto ebaluleke kakhulu kubasebenzisi beemarike zesitokhwe abazakuthatha izikhundla ukusukela ngoku. Apho kuyinyani ukuba kuya kufuneka uthathe amanyathelo okhuseleko ngakumbi kunakuqala ukuba awufuni ukuthatha umngcipheko ngokungeyomfuneko ngeli xesha.
Nangona yonke into izakuxhomekeka kwinto yokuba ekugqibeleni inqanaba esithetha ngalo lingagqithwa, kungathatha isalathiso siye kwi-10000 XNUMX. Inqanaba lokwahlula okokuthenga kwangoku kwintengiso kwaye ekuyakufuneka ukuba sibe Ukuqwalaselwa kwinto enokwenzeka kwiinyanga ezizayo. Ngaphandle kokubaluleka, akukho nto inokukhutshelwa ngaphandle kwaye ivulelekile kuzo zonke iimeko. Akumangalisi ukuba oku emva kwayo yonke enye yeenjongo zayo kwangoko, njengoko kubonisiwe kule minyaka idlulileyo njengesicwangciso sotyalo mali.
Imarike yemasheya ithengisa izigidi ezingama-40.000
Ivenkile yentengiso yaseSpain ithengisiwe rkubandakanya vifanelekile zizonke zizigidi ezingama-40.927 zeerandi ngoDisemba, ngokuhambelana nenyanga efanayo yonyaka odlulileyo kunye ne-12,8% engaphantsi kunoNovemba. Inani lothethathethwano ngoDisemba yayizizigidi eziyi-3,15, i-14,5% yayingaphantsi kwinyanga ephelileyo ka-2018 kunye ne-6,3% ingaphantsi kunonyaka ophelileyo. Ngelixa kwelinye icala, ukurhweba kwingeniso esisigxina kwaba kwi-24.965 yezigidi zeerandi. Eli nani limela ukonyuka nge-0,9% xa kuthelekiswa nomthamo obhaliswe kwinyanga ephelileyo. Itotali eqokelelweyo ngonyaka ifikelele kwi-319.340 yezigidi ze-euro, oko kuthetha ukukhula kwe-67% ngokunxulumene neenyanga ezilishumi elinambini ze-2018.
Ngokumalunga nomthamo owamkelweyo kurhwebo lwenyanga, yayiyi-20.052 yezigidi zeerandi, ezimele ukwehla kwe-22% xa kuthelekiswa noNovemba. Ukukhula okuqokelelweyo kwimiba emitsha kude kube nguDisemba bekuyi-4% xa kuthelekiswa nexesha elifanayo kunyaka ophelileyo. Ibhalansi eseleyo ikhule nge-1,9% ngonyaka, ukuya kwi-1,6 yezigidi zeerandi. Okokugqibela, indawo yentengiso ye-derivat fyemali Ukurhweba kunyukile kwiinyanga ezilishumi elinambini zokuqala zonyaka nge-2,9% xa kuthelekiswa nexesha elifanayo kunyaka ophelileyo. Kwimeko eyiyo yokwenyani yeemarike zezimali kwilizwe lethu ngeli xesha, ngokweedatha ebonelelwe yiBME.