Alithandabuzeki elokuba enye yeemfuno zokwenza utyalo-mali lwethu kukuba ezokhuseleko zinamandla aphezulu okuhlaziya okanye okukhulisa. Iya kuba yenye yezinto eziya kwenza ukuba ukhethe isindululo esinye okanye esinye kwizabelo. Ngaphezulu kokuthathelwa ingqalelo okuncinci ukwenza ulondolozo lube nenzuzo ukusukela ngoku. Kuya kuthatha isigqibo, emva koko, ukufikelela kwi ukhetho olungcono. Ngaphandle kweengxaki, okanye olunye uthotho lweengxaki ezinokuthi ziveliswe yinkqubo yokuvula izikhundla kwimarike yemasheya.
Nangona ukuza kuthi ga ngoku ukuvela kwamashishini ezabelo zamashishini ezingenanzala emisiweyo kuye kwamkeleka ngokulinganayo kwiminqweno yakho, kusekho inani lezitokhwe ezinokubakho. Phi banokwenza ngcono kakhulu kunabanye. Lowo ngumahluko ekufuneka uthathe ithuba lokuzama ukuba inzuzo eyinkunzi inyuke kulowo nalowo wentsebenzo kwingeniso eyahlukileyo. Ngeepesenti ezininzi ezinokubakho kwisicwangciso esitsha sotyalo-mali.
Kungenxa yokuba enyanisweni, kwintsalela yonyaka, kukho izitokhwe ezinamandla amakhulu okukhula eSpain. Iyagutyungelwa kwidatha yoqoqosho olukhulu eya isanda ngokwanda, ebandakanya imeko yangoku inzala kummandla we-euro. Bajikeleze iipesenti ezi-0, kwaye ngethemba lokuba banokuhlala benjalo ixesha elide. Yinto ekufuneka uyikhathalele ukuze wenze yonke imisebenzi yakho.
Amanani aphezulu okukhula
Ngayo yonke ingqiniseko yokuba uya kube uyazibuza ukuba zithini ixabiso Amathemba angcono abala iinyanga ezizayo. Mhlawumbi azikho ninzi, kodwa zanele ukufumana izibonelelo ezibanzi ukwenza ukuthenga kwakho okulandelayo kube yinzuzo kwiimarike zezabelo. Ukusuka kule meko iboniswe kukutshintshiselana ngesitokhwe ngeli xesha, kukho ezinye iingcebiso ezinokuthi zibe zizigqibo zakho ezinxulumene nelizwe elihlala linzima lemali.
Kukuthenga okucacileyo kuba banako Uvandlakanyo oluphawuleka kakhulu. Ngamanye amaxesha phantsi kwamanani aphindwe kabini ukufezekisa ezi zinto bezilindelwe kudala zilindelwe. Ukusuka kwiindlela zotyalo-mali ezilondoloziweyo ukuya kwezona zinabileyo, nangona kungekho ngaphandle komngcipheko omkhulu. Baza kuba nakho ukukunceda ukwakha ipotifoliyo yakho yezokhuseleko ngempumelelo enkulu. Kodwa kunqabile ukuba unokwenza impazamo onokuthi uzisole ngayo kwiintsuku zokuthenga.
Iya kuba yinto ebalulekileyo yokunceda ukuze ufikelele kwinjongo yakho ekufutshane ekugqibeleni. Ayikho enye into ngaphandle kokutyeba imali eseleyo yeakhawunti. Okukhona kunjalo, kulunge ngakumbi, njengoko kwelinye icala kusengqiqweni. Ukwenza lo msebenzi ube lula kuwe, akukho nto ilunge ngakumbi kunokhetho olufutshane kodwa olunamandla lwee-stock ezinokukhula okunokubakho. Ngaba uyafuna ukwazi ukuba zeziphi ezinye zexabiso?
I-Acerinox, ii-euro ezininzi ngaphambili
Ukuba okwangoku kukho ixabiso elilawulwa zezi mpawu akukho enye ngaphandle kwale nkampani yeemizi-mveliso. Uzixabisile izihloko zakhe iminyaka emibini, emva kweminyaka emininzi ewile kakhulu. Ewe, le meko intsha inokukhokelela kumaxabiso agqithisileyo Inqanaba le-15 le-euro ngesabelo ngasinye. Olona xhathiso lukhulu kwixesha elifutshane neliphakathi kwii-euro ezingama-13. Kodwa nangayiphi na imeko, ukuba ingaphezulu kwala manqanaba, inendlela enomdla kumanqanaba asondele kwi-15 yeuros ngesabelo ngasinye. Ukusuka apho uye kumanqanaba abaluleke nangakumbi kwaye ungene kwi-uptrend ende.
Ukongeza, kukho enye into ebalulekileyo yokuxhasa esi sicwangciso kuba asixabisekanga. Ukuba kunokwenzeka ukuba iqhubeke nokuhlaziya kwakhona, Nditsho nokunyuka nkqo kude kube ngoku. Ngokukodwa, ukuba ezi ntshukumo zixhaswe ngendaleko elungileyo kwinxalenye yeemarike zezabelo. Iya kuba lixabiso elongeziweyo ukuthatha isikhundla kweli xabiso. Kwaye awungekhe ulibale ukuba lixabiso lokujikeleza, ngayo yonke into ebandakanyekayo.
I-Bankia, entloko yeebhanki
Eli qela lezemali lelona linamandla aphezulu okuxabisa imarike yestokhwe sikazwelonke. Ukuza kuthi ga kwinqanaba lokuba yenye yezona zindululo zicetyiswayo ziiarhente ezahlukeneyo zezemali. Inkqubo ye- iziphumo ezilungileyo Iikota zokugqibela ezibonisiweyo zezona ziqinisekiso zibalaseleyo zokuhambisa isikhundla sithathe ixesha eliphakathi nelide. Kwenye yezona zibhentshi zinokwenzeka ukulungiselela ukwenziwa kwemisebenzi yolingano.
Kukhuseleko olubonisa ukhuseleko olukhulu oluthandwa kakhulu ngabatyali mali abancinci nabaphakathi. Kungenxa yokuba sesinye sezona ndlela zisebenzayo ukukhusela umdla wakho ngokobuqu. Elinye lamaqhosha abonisa isenzo sabo kuwe kukuba ngaba baya kudlula kwinqanaba eliphambili lee-euro ezimbini. Nokuba ungaya phambili ukulandela usukelo olunzima. Yinjongo engenzima ukuyifeza, ngokoluvo lwabahlalutyi abaphambili beemarike zezemali.
Okwangoku, sisiphakamiso kwimarike yemasheya elawulwa ngabahlalutyi nangaphezulu kwezinye iibhanki. Phakathi kwabo bavelele, I-BBVA kunye ne-Santander. I-Bankia ngokungathandabuzekiyo inokuba yenye yezona zinto zimangalisayo kwiinyanga ezizayo. Nokuba unokuba usasaze izabelo phakathi kwabanini zabelo. Akumangalisi ukuba iya kuba yenye yeendaba ezilungileyo ezifunyanwa ngabo bonke abagcini. Iya kuba sisiqalo sokwenyuka kwamaxabiso.
I-Telefónica: ilinde isaziso esongezayo
Inkampani yonxibelelwano yaseSpain yenye yexabiso elinokutsala kwi-Ibex 35 kwiinyanga ezizayo. Ukuba iimarike zamanye amazwe zihamba kunye akukho mathandabuzo phakathi kwabatyali mali ukuba le iya kuba sesinye sezona zindululo zentengiso yesitokhwe. Ishintshiwe ukuba ungasondela Inkxaso eyenzileyo i-euro ezili-15 ngesabelo ngasinye. Ngayiphi na imeko, iya kuba kwinqanaba elibaluleke kakhulu ekufuneka ulibeke esweni ukusukela ngoku.
Ukongeza, yenye yexabiso elinempembelelo kwisalathiso esikhethiweyo saseSpain. Ngempembelelo kwamanye amacandelo emarike yemasheya yaseSpain. Emva kokugcinwa ixesha elide kwi Ubunzulu bexesha elizayo oko sele kukukruqula njengokuba kunqabile ukwenzeka. Ngaphandle kokukwazi ukucwangcisa nasiphi na isicwangciso sotyalo mali. Nokuba kukuthengwa okanye kwintengiso yezabelo. Kuba ngokusebenza kwayo, kanye njengokuba iwile ukusuka kwi-15 yeuros ngesabelo ngasinye, unokwenza uhambo olubuyela umva.
Amadeus: idatha elungileyo yokhenketho
Xa ulungiselela uluhlu lwe xabiso banokwenza ngcono kunentengiso yonke iinkampani ezikwicandelo lokhenketho azinakulityalwa. Ukuthatha ithuba kwimeko yangoku ngokubhekisele kulo msebenzi weshishini. Ngokukodwa ngenxa yokuhamba kakhulu kwabakhenkethi kwilizwe lethu kwaye oko kungakhokelela kwiinkampani ukuba zibonise iziphumo ezingcono nezingcono. Ngale ndlela, iziko lokugcina i-Amadeus linokuqwalaselwa njengesinye sezindululo ekufuneka zithathelwe ingqalelo ngabatyali mali abancinci.
Inkalo yayo yezobugcisa yenye yezona zinto zibalaseleyo kwintengiso yesizwe eqhubekayo. Kuyo kufuneka sidibanise ukuba inelayini ezinzileyo yeshishini. Kumaxesha amabi kakhulu kuqoqosho lwamanye amazwe. Ayimangalisi, ke, ukuba inokukhulisa ukutsala okuya phezulu kwaye inamandla amakhulu. Ukufumana umvuzo ekusebenzeni kwee-euro ezimbalwa ngesabelo ngasinye. Ukongeza, kwaye njengenzuzo eyongezelelweyo, kukubheja okungathwali mngcipheko ogqithisileyo. Okanye ubuncinci ngaphantsi kunabanye abameli beemarike zesizwe.
Iipotifoliyo yeXabiso eliQinisekileyo nelinokuthenjwa
Lelinye lamaxabiso asisiseko okuphuhlisa ipotifoliyo yotyalo-mali elungeleleneyo, ngokwembono yabahlalutyi ababalulekileyo bezentengiso. Kangangoko unako zidityaniswe nezinye izindululo zomngcipheko ophezulu. Ukomelela kwecandelo lezokhenketho sesinye seziqinisekiso zalo ukuze liqhubeke nokwenza njalo njengangaphambili. Kwiprofayile ebanzi kakhulu yokugcina, ukusukela kwelona londolozo ukuya kwabo bakhetha imisebenzi yokuqikelela.
Isishwankathelo, ezi zezinye zexabiso apho unokuvula khona izikhundla ukusukela ngoku. Okulindeleyo kuphezulu kakhulu kwaye umngcipheko ulinganiselwe. Ukulingana ngokupheleleyo kwintetho yabo bonke abatyali mali. Enye into eyahluke kakhulu kukuba imeko yentengiso yesitokhwe ngokubanzi ihamba nexabiso lezi nkampani. Nangona imeko imbi kakhulu baya kuba nemvakalelo yokwenza izinto ezikhethiweyo zokuthenga emva kweholide. Apho kuwo onke amathuba baya kuba nokuziphatha kwabo okuhle. Ukuze ube nokufumana inzuzo kwiintshukumo ozenzayo kwiimarike ze-equity. Ewe, awuyi kufutshane namathuba. Ezi sizinikezela kuwe yenye yemizekelo ekubonelelwa yile ngxowa.
Kungenxa yokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya okanye ngezinye iimveliso zemali. Phakathi kwazo kukho imali yotyalo-mali, iimali ezidwelisiweyo, iziqinisekiso okanye ukuthengisa ngetyala ukuba ukulungele ukuthatha umngcipheko. Kwimeko nayiphi na into, yonke into iya kuxhomekeka kwiprofayili yomtyalomali oyibonisayo okwangoku. Ukufumana eyona modeli yolondolozo ilungele iimfuno zakho. Kwaye ngenene ithamsanqa lokwenza ukhetho olululo kunye nokuphuhlisa imeko ehlala ihleli eya ngaphezulu okanye engaphantsi kwexesha elide. Ewe kunjalo, kwaye yinxalenye yolungiso ngamanye amaxesha, ii-equity sesona sicwangciso silungileyo ngoku sokwenza imali eyinkunzi kwiakhawunti yakho yokujonga inenzuzo.