Ngaphantsi kokwazi, kodwa kwangaxeshanye kwamkelwa ngabatyali mali, igama le-chicharros lifihla uthotho lwe Ukhuseleko oludweliswe kwizabelo zaseSpain ezibonakaliswa ziinkampani ezikumgangatho ophantsi, ezibonisa ingxelo yengeniso exineneyo, kwaye ngokubanzi zinetyala elingaphezulu kwesiqhelo. Ngaphandle kwayo yonke into, kunokwenzeka ukuba baqeshwe ngabona batyalo-mali banoburhalarhume, abanqwenela ukuqikelela ngegalelo labo lezoqoqosho.
Ngokuthenga kwayo, inzuzo enkulu inokwenziwa, ngaphezulu kwengeniso ebonelelwa ngamaxabiso esalathiso esikhethiweyo sikazwelonke. Kodwa lumka kakhulu, kuba ilahleko zihlala zikwabizwa kakhulu. Ukuguquguquka kulawula indlela yokuziphatha kwezabelo zakho. Akumangalisi ukuba, ukuhla kwamaxabiso ngamaxabiso aqhelekileyo kwizenzo zabo kwiimarike zezabelo.
Ngokukhawuleza nje ukuba banyuke ngaphezulu kwe-10% kwiseshoni enye yokuthengisa, njengosuku olulandelayo baphinde kabini kwiiyure ezimbalwa. Njengomphumo wolu luhlu olukhethekileyo kwiimarike, ezi zixabiso zifunwa kakhulu ngabatyalomali abanqwenela ukwenza imisebenzi yokwenza imali ngexesha elifutshane. Bangena kwaye bashiye iimarike rhoqo. Into, kwelinye icala, awunako ukuyiphuhlisa kwezona zixabiso ziqinisekileyo zeparadise yaseMadrid.
Kodwa xa sithetha ngee-ertyisi, sikwabhekisa kuthotho lweenkampani ezibonisa iimpawu zesazisi ezenza ukuba zichongwe kakhulu kuyo nayiphi na iprofayili yotyalomali. Ziinkampani ngokubanzi ezinemigca yeshishini engadityaniswanga ngokudibeneyo, okanye ezihamba nakumaxesha amabi kulawulo lwabo. Akumangalisi ke ngoko iikowuti zabo zilawulwa, ngakumbi ngokulindelwe kumashishini abo kunokuba yinyani yeeakhawunti zabo zeshishini.
Njani ezi xabiso?
Ukuba, ngaphandle kwayo yonke into, umnqweno wakho kukutyala imali kwezi nkampani, kuya kufuneka uyazi ukuba zichaze iimpawu ezizakuqinisekisa ukuvela kwazo kwiimarike zezabelo. Uyakwazi ukufumana inzuzo ebalulekileyo kwimisebenzi yakho, kodwa kwangaxeshanye umngcipheko uya kuba phezulu kakhulu, nokuba kunokwenzeka uphulukane nenxalenye enkulu yolondolozo olutyaliwe.
Ujongene nale meko inzima onayo phambi kwakho, ulumkiso kufuneka lube sisixhobo sokuqala ekufuneka usisebenzisile ukusebenza ngee-ertyisi. Kuya kucetyiswa kakhulu ukuba ukhusele utyalomali lwakho, ngeendlela ezine ezisebenza kakuhle kwezi meko. Kwaye ngokuqulatha la manyathelo alandelayo.
- Yabela kuphela icandelo leeasethi zakho kolu hlobo lomsebenzi, ethi nakweyiphi na imeko ingagqithi kwi-30% yolondolozo olufumanekayo ukwenza utyalomali lube semthethweni.
- Faka isicelo sokuyeka ukulahleka, Ukukukhusela ekuweni okungenakubakho kwixabiso laso. Ngale ndlela, olona khetho kukumisela ilahleko yokumisa. Uyakwazi ukunciphisa umda ukuhla kwexabiso.
- Kuya kufuneka uthathe izikhundla kula maxabiso kuphela xa zigcina imeko ecacileyo, Abamema ukuba bathathe izikhundla kumaxabiso, kwaye bayeke imeko eseleyo.
- Kuya kufuneka ujolise kwimisebenzi yakho kuphela kwixesha elifutshane, kwaye ukuba ufumanisa ukuba unenzuzo eyinkunzi, olona khetho luya kuba kukuvala ngokusisigxina izikhundla.
Kuphela kungala manyathelo achazwe kakuhle apho uya kuthi ube nakho ukunciphisa umngcipheko obandakanya imisebenzi yakho, kwaye uzikhusele ngokuchasene nezona meko zichaphazele umdla wakho njengomgcini. Akunanto, Inxalenye elungileyo yabatyali mali abancinci nabaphakathi bayishiyile inxalenye elungileyo yokonga kwabo kula maxabiso. Nangona ngokuqinisekileyo kuya kubakho ngaphezulu kwesinye esiya kube sifumene izibonelelo ezigqwesileyo.
Izicwangciso zokuthengisa ii-peas
Ukuba ufuna ukusebenza ngokuchanekileyo ngala maxabiso akhethekileyo, kuya kufuneka ungenise uthotho lwezenzo eziza kuba luncedo kakhulu ukuqala ngempumelelo ubudlelwane bakho nezabelo. Ukuqalisa, Kukulungele ukuba uchonge ezi nkampani ngaphakathi kwesithembiso esenziwe yimarike yaseSpain.
Uya kukwazi ubuncinci okulindelweyo, kwaye uya kuthintela ukuwela kwiimpazamo onokuzisola ngazo kamva. Ukongeza, baya kukufundisa ukusebenza kwiimarike ezineeasethi eziyimali ezintsonkothileyo, kwaye ngenxa yoko, vula iminyango yakho ekungeneni kokufumana izibonelelo ezingaphezulu.
Isitshixo sokuqala: abazisasazi izabelo
Olunye lweempawu ezibalaseleyo zala maxabiso kukuba akukho namnye kubo ohambisa izabelo kubanini zabelo. Akumangalisi ukuba, ngokubanzi iinkampani zabo zinganiki zibonelelo, kwaye ke, le ntlawulo rhoqo ayikho kumgaqo-nkqubo womvuzo wezi nkampani. Ukuba ufuna ukuqokelela ezi ntlawulo, awuzukukhetha ngaphandle kokuya kwezinye isitokhwe esidityanisiweyo esidibeneyo kwii-indices apho zidweliswe khona. Kwaye oko kuyakuvelisa i-avareji yembuyekezo yonyaka phakathi kwe-3% ne-8%.
Isitshixo sesibini: ukungabinamali eninzi
Zidwelisiwe iinkampani, kodwa zinemali encinci kakhulu, ukusukela oko Zimbalwa kakhulu iziqinisekiso ezitshintshiswayo kwiimarike zezemali. Bade bakwenze kube nzima kakhulu ukuba ungene okanye uphume kukhuseleko lwabo, ngakumbi xa usenza imisebenzi kunye negalelo elibonakalayo lezoqoqosho. Kwaye oko kukhuthaza izandla eziqinileyo zentengiso (abatyali mali okanye amaziko amakhulu) ukulawula amaxabiso abo ngokuthanda. Ngenxa yoko, ayilifanelanga inani labambalwa, elinenye indlela ekhuselekileyo.
Isitshixo sesithathu: zibonisa ukungazinzi okukhulu
Ukuba into oyifunayo kukuzinza kumaxabiso ayo, kungcono ukuba ukhethe amanye amaxabiso okuzola. Ukususela ertyisi Bathengisa phantsi kokuguquguquka okugqithisileyo, okunokufikelela kwi-30% kwiseshoni efanayo yorhwebo, zombini ezantsi nangaphezulu, azicacanga. Kuqhelekile ukufumana uninzi lwezi nkampani ezivelise imbuyekezo yonyaka ejikeleze i-80%, kwaye ngokuchaseneyo ngesizathu esifanayo. Sukuzama ukungxama ukuhamba kwabo, kuba kuya kufuneka uzisole emva kweentsuku ezimbalwa.
Isitshixo sesine: ayizizo izinto ezifundwa ngabarhwebi
Uninzi lwabarhwebi kunye nabalamli kwezezimali abayithathi le milinganiselo kwizindululo abazinikezela rhoqo kubaxhasi babo. Kwaye ngenxa yoko, uyakuphulukana nesiqwenga esisisiseko sohlalutyo oluhambelanayo. Kwaye ayinalo nexabiso ekujoliswe kulo ngenxa yoku kwahluka. Ngokuqinisekileyo oko kuya kukwenzakalisa ukuvavanya ukuba leliphi elona xabiso lifanelekileyo lokuthenga okanye ukuthengisa izabelo zakho.
Isitshixo sesihlanu: izabelo kwi-euro enye
Ukuba ufunda ngononophelo ubonelelo lwezi stock, uya kufikelela kwisigqibo sokuba uninzi lwazo lurhweba ngaphantsi kweyunithi ye-euro. Inokukwenza ucinge ukuba zitshiphu ngenene, kodwa akukho kwanto inyani inyani, kwiimeko ezininzi zihlala zibiza kakhulu ukuphuhlisa naluphi na uhlobo lokuthenga.
Ngapha koko, ngokuphambuka kwezishumi ezimbalwa kwixabiso lazo, ukuxabisa okanye ukwehla kuya kufikelela kumanqanaba aphezulu okuguquguquka. Ngabatyali mali abaziingcali kuphela abaya kuba kwimeko yokuqhuba imisebenzi yabo, kwaye bangaxolelwa emngciphekweni nakweyiphi na imeko.
Isitshixo sesithandathu: amathuba anokuphazanyiswa yinkampani
Enye yeengxaki ezingundoqo onazo xa ukhetha nayiphi na yale nkampani kukuba banokuyeka ukurhweba ngaxa lithile ngenxa yeengxaki zabo zeshishini. Ngomonakalo omkhulu onokuthi ukubonakala okungalindelekanga kwezi meko kunokubangela kuwe. Amava kufuneka akuncede uphephe le miphumo emibi inokwenzeka kuwe ukuba uthenga izabelo kwenye yezi nkampani.
Kwanele ukukhumbula iinkampani ezininzi ezidwelisiweyo zezi mpawu zidlulile kule meko ingathandekiyo: La Seda de Barcelona, Sniace, Terra, Pescanova, kunye noluhlu olude oluya kukwenza uzibuze ukuba kufanelekile na ukukhetha le renti Imodeli yolawulo.
Isitshixo sesixhenxe: ziinkampani ezincinci zokwenza imali
Ukufezekisa ubunyani bokwenyani kwezi nkampani, isiphelo sokugqibela kukuba iya kuba yimali encinci kakhulu. Izihloko ezihamba kwiimarike zezemali zimbalwa kakhulu. Kwaye ke, zinokulawulwa ngakumbi kunakwelinye ukhuseleko kwimarike yaseSpain eqhubekayo. Azibonisi ukuzithemba kubathengisi, kwaye zisetyenziselwa kuphela imisebenzi ethile (yohlobo olucingelwayo) olwenziwa phantsi kwemali engekho phezulu kakhulu, kodwa ufuna ukwenza impazamo enkulu enokuthi ichaphazele iakhawunti yakho yokujonga.
Isitshixo sesibhozo: zidwelisiwe kwiimarike zesekondari
Ukufumana umbono ocacileyo nongacacanga wokuba ezi zinto ziveliswa njani, eyona ndlela yokujonga ukuba iya kuba yintoni na ukuqinisekisa ukuba akukho namnye kubo odweliswe kwisalathiso esikhethiweyo saseSpain, i-Ibex-35, kodwa ngokuchaseneyo, uninzi lwazo I-chicharros onokuyifumana kwisitokhwe esikhoyo ngoku zivela kwiimalike zodweliso lwesibini, kubandakanya i-Alternative Stock Market (MAB).
Ayisiyo imodeli, ke, ukulandela ukuba lelinye lamaxesha okuqala othatha isikhundla kwimarike yemasheya. Kananjalo, uninzi lwezi nkampani zisenokungabazi nokubazi, kwaye usenokuba nengxaki ezinxulumene nazo kwicandelo lezeshishini.
Isitshixo sesithoba: umngcipheko wokubambeka
Ukungena kwimarike kunye nokuphuma kuya kubaluleka kakhulu kwaye kunokuchonga impumelelo yomsebenzi. Akuyi kubakho khetho ngaphandle kokuhlengahlengisa amaxabiso okuthenga aye kwelona liphezulu. Ngokukodwa ukuba ufuna ukuthengisa ngokukhawuleza kwakho, kwaye kwiintsuku nje ezimbalwa (kwaneeyure) ukusuka kulwakhiwo lomyalelo wotyalo-mali. Kuyinto eqhelekileyo, ukuba awuyiphuhlisi phantsi kwezi paramitha, ungafakwa kwixabiso. Kwaye ngenxa yoku, uhlala iinyanga ezininzi, nkqu neminyaka, ngaphandle kokukwazi ukuhlawulela izabelo phantsi kwexabiso elifanayo lokuthenga.
Uninzi lwethu luyachaphazeleka yiLa Seda. Ngaba singakuthumelela iingxelo zethu?