La maxesha awamaxesha amnandi kwicandelo lotyalo-mali kwaye kwesi sizathu sikhathazayo, abatyali zimali abancinci nabaphakathi abayi kuba nandlela yimbi ngaphandle kokukhetha ngakumbi xa befuna iiasethi zemali. Ayizukuba ngumsebenzi olula ukuwenza, kodwa kuyo nayiphi na imeko ngaphandle kwamathandabuzo kukuba ezinzulu ziya kuvela mathuba o shishino. Ngenjongo yokwenza ulondolozo lube nenzuzo kule minyaka izayo. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha bendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko.
Kwelinye icala, akukho mathandabuzo ukuba ukusukela ngoku ezinye izinto zexabiso ezinomdla kakhulu zibonakala zivula izikhundla kwaye zilungiselela iphothifoliyo yethu elandelayo yotyalo-mali. Ukusuka kule meko ngokubanzi, kufanelekile ukubonisa ukuba zeziphi Eyona asethi yezemali ukuthatha ithuba lokungazinzi kwiimarike ze-equity, kodwa nakwezinye iindawo zengeniso esisigxina. Ngale ndlela, kufanele ukuba kuqatshelwe ukuba ixabiso lemali lixabisa ngaphantsi nangaphantsi kwaye lenza kube nzima ngakumbi ukwenza imisebenzi enenzuzo kwiimarike zezemali.
Ukuze ungabinangxaki ekuphuhliseni utyalomali, siza kuphakamisa uthotho lweeasethi eziyimali ezingasayi kukudanisa kwelona xesha linzima leemarike zezabelo. Ukuya kwinqanaba lokuba ungenza nokonga kuluncedo kwezi ntlobo zemeko ukusukela ngoku. Ukuze ubabandakanye kwiphothifoliyo yakho yotyalo-mali ngokukhawuleza kuba ukusebenza kwabo kunokuba kubaluleke kakhulu ephezulu kunezinye ii-asethi eziyimali Ukufaneleka okukhethekileyo.
Iiasethi zemali: iibhondi
Enye yezona zithethe ngokwesiqhelo kwaye phantse zingaze zisilele. Kodwa kwimeko yangoku yezoqoqosho lwamazwe aphesheya akusayi kubakho khetho ngaphandle kokuba zizibophelelo ezizimeleyo zoqoqosho oluthembekileyo lwehlabathi. Umzekelo, abo bavela EJamani naseMelika ezisenendlela ephezulu, ngaphandle kwengeniso elungileyo eboniswe kwiminyaka edlulileyo. Ukuya kwinqanaba lokuba bakwimeko yokuvula izikhundla kwiinyanga ezimbalwa ezizayo okanye unyaka omnye okanye emibini.
Yimpahla yexabiso, okwangoku enganikeli mngcipheko mkhulu. Phakathi kwezinye izizathu kuba bayamkela kakhulu ukubamba ukuhamba kwemali kwabatyali mali abakhulu. Vula efuna indawo yokusabela Phambi kwexesha elinokuba bubuthathaka kakhulu ukubeka imali kwiimarike zezemali. Ngaphandle kwenzuzo ephezulu kakhulu, kodwa ekugqibeleni inika ukhuseleko olukhulu kwipotifoliyo yotyalo-mali emiselweyo ngalo mzuzu. Enye yezolungiso kukhetho lwabahlalutyi bezemali, zombini iphothifoliyo enobundlongondlongo, kunye nokuzikhusela okanye ukuzigcina.
Isinyithi esixabisekileyo: konke kuyenyuka
Ukuba nayiphi na i-asethi eyimali enokwenziwa njengendawo ekhuselekileyo, ayikho enye into ngaphandle kokuba imelwe zizo zonke izinyithi ezixabisekileyo, ngaphandle kokukhetha. Phakathi kwabo, igolide, isilivere, ipalladium okanye iplatinam ezihlaziyiweyo ngamandla amakhulu kule minyaka idlulileyo. Banokuba yenye indlela yotyalo-mali lwabancinci kunye nabaphakathi kubume botyalo-mali kwimeko yangoku yokudibana nokuba imeko ethile ithatha indawo. Ngethuba lokuhlaziywa kwakhona, njengakwimeko ethile yentsimbi yegolide, enokufikelela kuma-40% ngexesha elifutshane.
Kwelinye icala, ezi asethi zemali kunokuba yiyo Isisombululo kukungabikho kotyalo-mali olunenzuzo ukususela ngoku ukuya phambili. Ke unokufumana intwana yokuhlawula amatyala kwiinyanga ezimbalwa ezinzima kwiimarike ze-equity. Le nto ibonisa ukuba amathuba okuthenga okwenyani anokwenziwa kuyo yonke imeko, nkqu nakowona maxesha mabi otyalo-mali oluqhelekileyo. Nangona ngokuchaseneyo, zinzima ngakumbi ukukhetha imodeli yotyalo-mali ofuna ukuyenza ibe yeyakho ngoku ukusukela ngoku.
Imali eguqulweyo yokurhweba ngemali
Inokuba lolunye ukhetho lokwenza ukonga kunenzuzo ukusukela ngoku, nangona kunjalo kubandakanya umngcipheko omkhulu kwimisebenzi yakho. Kungenxa yokuba kuya kufuneka uqiniseke kakhulu ukuba kuya kubakho ukwehla okunzulu kakhulu kwiimarike ze-equity. Ukuyisebenzisa ngokusebenzisa imali eguqulweyo yokurhweba, eyindibaniselwano phakathi kwemali kunye nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya. Kodwa ngeekhomishini ezingafuneki kangako ezinokukunceda ukuba ubutyebi bosapho buzuze kwesi sicwangciso sotyalo-mali, ubuncinci obunobuchule.
Ukongeza, iingeniso ezivelisiweyo ziya kusekelwa ekuweni okukhoyo kwiimarike zezemali nakwindlela efanelekileyo. Ngamanye amagama, inokuba sesinye isisombululo kukungabikho kwenkuthazo yotyalo mali ngeli xesha. Kuba unokufumana imali eninzi ngolu hlobo lokusebenza, nangona ngesizathu esinye ushiya i-euro eninzi endleleni. Ngenxa yale meko, kukhethwa ukuba wabele kuphela inxalenye encinci yolondolozo lwakho ukwanelisa lo mnqweno kwiimarike zezemali. Njengendlela yoku khusela izikhundla zakho Phambi kwalo naluphi na utshintsho olukhulu kwindlela yalo.
Tyala imali kwimarike yemasheya ngexabiso
Iinkampani ezidwelisiweyo ezinexabiso okanye ixabiso lelinye lezindululo onokuzikhetha ukusukela ngoku. Nangona beqhubeka nokuhla kwexabiso kwiimarike ze-equity, kodwa eso sinokuba sisisombululo esihle ejongene nexesha eliphakathi kwaye ngakumbi ixesha elide. Ezi zixabiso zithengisa kakhulu kwaye ngokuqinisekileyo zingaphantsi kwexabiso lazo. Nokubanakho ukuphinda uvandlakanywe, kwiimeko ezininzi, iphezulu kakhulu kwaye inokusondela kwi-30%. Ukusuka kule ndawo yokujonga, lixesha elifanelekileyo lokuvula izikhundla kwezi zinto zikhethekileyo zeasethi. Isenokuba lithuba obelilindile iminyaka emininzi eyadlulayo.
Ixabiso lolunye lotyalomali olukhoyo ngoku kucetyisiwe ngabanye babahlalutyi bezemali abafanelekileyo kwintengiso. Awungekhe ulibale phantsi kwazo naziphi na iimeko ukuba ngoku unokufumana amaxabiso anomtsalane kwezokhuseleko ezibhalwe kwizabelo zaseSpain. Kwaye kule minyaka idlulileyo bebephezulu kakhulu kwaye ke woyika ukungena kwizikhundla zabo emngciphekweni wokuwa kwexesha elizayo. Ngenzuzo eyongezelelekileyo yokuba isahlulo sabo sonyukile kwinzuzo abayinikela kubatyali mali abancinci nabaphakathi. Ngamanye amaxesha bemkile kwinqanaba lenzala elijikeleze i-5% ukuya kwi-7%. Oko kukuthi, amanqaku amabini eepesenti aya kuthi aye ngqo kwiakhawunti yakho yokonga minyaka le.
Ngelixa kwelinye icala, kubalulekile ukugxininisa ukuba esi sicwangciso sotyalo-mali sibandakanya ixesha elide lokusisigxina kunelinye. Kungenxa yokuba le ayisiyonto ikhawulezayo ukusebenza, kodwa ngokuchaseneyo, ifuna ixesha elingaphezulu ukuba yenziwe ngokusesikweni ngokweekhrayitheriya zakho.
Ngokubanzi ngamaxabiso esitokhwe azinzileyo amelweyo adweliswe njenge BBVA, Mapfre, Santander, Telefónica okanye i-ACS. Kungekudala okanye kamva baya kuthengisa ngamaxabiso aphezulu kunalawo aboniswe ngalo mzuzu. Inokuba lelinye ithuba lokukhusela umdla wakho. Ngenxa yale meko, kukhethwa ukuba wabele kuphela inxalenye encinci yolondolozo lwakho ukwanelisa lo mnqweno kwiimarike zezemali. Njengendlela yoku khusela izikhundla zakho Phambi kwalo naluphi na utshintsho olukhulu kwindlela yalo.
Tolika umthamo wokugaya
Umthamo weekhontrakthi yenye yeeparameter ezibaluleke kakhulu ekuhlalutyeni amaxabiso ezinto ezithengiswayo. Apho inokukunika khona amaqhosha amaninzi malunga nento oyenzayo notyalo-mali lwakho kwiimarike ezahlukeneyo ze-equity. Ukuya kwinqanaba apho inokuthi yenziwe njengendawo ekubhekiswa kuyo ngokukodwa Ngena kwaye uphume kwiimarike zemali. Kuba, enyanisweni, umthamo ophakamileyo okanye omncinci wokuqeshwa awufani, njengoko uza kubona ukusukela ngoku. Ukuya kwinqanaba lokuba inokukunceda ukuphucula ingxelo yakho yengeniso kunye neenzuzo ezinkulu ezifezekisiweyo.
Ukuba ukhuseleko lubonisa umsebenzi omkhulu ekuthengeni nasekuthengiseni ukhuseleko lwayo, kukho into eyenzekayo ngexabiso layo. Inxulumene ngokubanzi ne Utshintsho lwendlela kwinkampani echaphazelekayo yile nkqubo. Nangona le meko iyinyani, igalelo layo lokwenyani lilele kwinto yokuba le meko kwizabelo iveliswa njengesilumkiso malunga nokunyuka okusondeleyo kumaxabiso abo. Ngokukodwa xa amandla ayo omelele ngakumbi kunesiqhelo. Ibonisa ukuba abathengi banomdla kwixabiso. Akumangalisi ukuba intshukumo eqhelekileyo eyenzeka rhoqo kwiimarike zezemali. Kulandelwa kukuxabisa okukhulu kwezihloko zabo.
Nyusa isiqinisekiso se-bearish
Ayisoloko ivolumu ephezulu yokuthengisa ithetha ukuba iindlela zokwenza izinto zibalasele kwintengiso. Kuba ngokusebenza kwayo, inokuba nayo neentsingiselo ze-bearish, nangona kule meko isasazeka ngakumbi ukuba iqinisekisiwe. Kufuneka ikhatshwe neminye imiqondiso enika ukuthembeka okukhulu kwiintshukumo. Umzekelo, ulwaphulo olucace gca kwimithombo yeendaba efanelekileyo. Ke ewe, ukubekwa kwezikhundla ezimfutshane kubathengi kuya kuqinisekiswa.