Ngaba kufuneka uye kunyuso lwenkunzi?

santander Ewe ukonyuka kwemali enkulu yintshukumo enxibelelene ngokusondeleyo kwii-equities. Ukuza kuthi ga kwinqanaba lokuba ngokuqinisekileyo uye weza ngaphezu kwesihlandlo esinye. Kuba sisiphumo, sisicwangciso esisetyenziswa rhoqo ziinkampani ezidwelisiweyo ukuya zixhobise ngobutyebi ukuhlangabezana neemfuno zakho zeshishini. Zombini kumaxabiso amakhulu emarike yasespain yaseSpain, kunye nezo zikhulu kunye nezincinci. Ngale ndlela, akukho mahluko ngexesha lokuqalisa konyuso lwenkunzi.

Ukongeza, le ntshukumo yeshishini ifumene ukubaluleka okukhethekileyo ngenxa yefuthe layo kwi Banco Santander. Ewe, le nto ibaluleke kakhulu iyaphuhliswa njengenxalenye yesicwangciso-mali sokufumana iBanco Popular. Kwaye oko kukhokelela kwinxalenye enkulu yabatyali mali abancinci nabaphakathi ukuba batywelwe kule nkqubo ibaluleke kakhulu kwi utyalo mali. Kungenxa yokuba awukwazi ukulibala ukuba unokubenza babe nenzuzo.

Nangona kunjalo, omnye wemibuzo abatyali-mali bazibuza yona kakhulu kukuba ngaba kufuneka baye kunyuso lweemali ezinkulu ezikhutshwe ziinkampani ezidweliswe kwiimarike zezabelo. Kuba ayizizo zonke iimeko ziya kuba ziziphumo ezifanayo. Kuya kuxhomekeka kwizinto ezininzi oya kuthi ukusukela ngoku ube nazo kolu lwazi. Ukuze ukusukela ngoku uyazi ukuba wenzeni ngalo lonke ixesha. Kungenxa yokuba into ekufuneka uyigcinile engqondweni kukuba ayizukuba sisigqibo esilula ekufuneka uyenzile. Kungenxa yokuba ziintshukumo kwimarike yemasheya enemiphetho emininzi ekufuneka uyazi.

Ukonyuka kwenkunzi: Isizathu sokubakho

inkunzi Okokuqala, awungekhe ulibale ukuba sisibonelelo sokuba iinkampani ezidwelisiweyo kufuneka zonyuse imigca yazo yeshishini. Nditsho nokuphumeza utyalomali olutsha ukubonakaliswa ngcono kwiimarike zezemali. Yinto esele iqhelekile kuwo onke amaqela amakhulu ezemali. Nangona iziphumo zalo zingasoloko zifana. Kungenxa yokuba inokuba yinto elungileyo kwinkqubela phambili yeenkampani. Kodwa ayenzeki nakwezinye iimeko, njengoko ubona kule minyaka idlulileyo.

Ngexesha lokunyuswa kwenkunzi, ngabo Abanini zabelo zangaphambili abanokhetho oluthile lokuya kwezi nyaniso zimangalisayo. Nangona kunjalo ukuba awubekwanga kwixabiso elichaphazelekayo unokufumana inxaxheba kolu hlobo lomsebenzi. Kungenxa yokuba uyakubenza ukuba babe nenzuzo kwiinyanga nje ezimbalwa ukukhutshwa kwabo. Yeyiphi injongo elandelelweyo kunye nokuphunyezwa kwayo kwiimarike zezemali. Kuba enyanisweni, kwezona meko zintle, unokufumana okuninzi kwezi zinto zibaluleke kakhulu kwaye ngoku zisebenza ngokwesiko ngexesha elinye.

Iinjongo zale ntshukumo

Akukho kuthandabuza nakancinci ukuba injongo yayo nayiphi na isavali kukufumana i-euro ezimbalwa kwisabelo ngasinye esitsha. Ngayiphi na imeko, sukucinga ukuba inzuzo yayo iya kwenziwa kwiintsuku ezimbalwa emva kokumiliselwa kwayo. Kuba ayisiyiyo le ndlela, kodwa izibonelelo yiya kumagama amadeUmzekelo kwixesha eliphakathi nelide. Ukuba into oyifunayo kukubuyela okungaphezulu okanye okucothayo okukhawulezileyo ngale mi sebenzi, kungcono ulibale malunga nokunyuka kwemali

Iziphumo zalo kwixabiso lokhuseleko olubandakanyekayo kwezi nkqubo ziya kuqala ukuqaphela emva kweenyanga ezimbalwa. Ithuba apho kuya kufuneka uzibuze ukuba kulungile na kuwe ukurhoxisa izikhundla esiqokelelweyo kwezi ntshukumo. Ukuya kwinqanaba lokuba kwiimeko ezintle kakhulu kunokwenzeka ukuba liphindwe kabini ixabiso lezabelo ezitsha. Nokuba uhlaziyo olunamandla ngakumbi alunakukhutshwa. Kungenxa yoko le nto kubaluleke kangaka ukuba ukhethe olona nyuso lwenkunzi olunokhuphiswano. Kuba awungekhe ulibale ukuba ayizizo zonke ezifanayo, ikude kuyo.

Ifunyenwe kakubi ziimarike

Kuzo zonke, ukwanda kwemali akufunyanwa kakhulu kwiimarike zemali. Oku kungenxa yokungathembani kwicala labatyali mali abazinzileyo beli hlobo leenkqubo kwiimarike zezemali. Ngenxa yazo, ayothusi into yokuba ixabiso lezabelo yehla emva kweentsuku ezimbalwa. Kungenxa yokuba baninzi abatyali mali abancinci nabaphakathi abakhetha ukulungisa izikhundla. Ukuzama ukungazibhaptizi kwiinkqubo ze-bearish ezinokuvelisa ilahleko enzima. Ubuncinci xa kufikwa kumaxesha amade.

Ukusuka kule meko ngokubanzi, kuyacetyiswa kakhulu ukuba uhlalutye ngokweenkcukacha ezinkulu nganye yenkunzi inyusa loo mhlaba kwiimarike zezemali. Kodwa ngaphezulu kwako konke, bona iimeko zabo kwaye ukuba kulungile ukuba ubarhumele. Ukuze ngale ndlela wenze esona sigqibo sichanekileyo sokukhusela umdla wakho njengomtyali mali wevenkile. Apho ixabiso ekufuneka ubhalise kulo izabelo ezitsha ziya kubaluleka kakhulu. Kwaye ukuba impendulo iyavuma, awuzukukhetha kodwa ukuya kuyo kwaye uyisebenzise ngokupheleleyo.

Isiphumo sokuqala: ukuxutywa kwexabiso

ulwandiso Olunye lweempawu eziphambili ezivela kwezi ntshukumo kwii-equities kukuba amaxabiso ezabelo aya kuwela kwixesha elifutshane. Ingcaciso yakhe ilula kakhulu kwaye kungenxa yokuba njengoko kukho izabelo ezininzi kwiimarike zezemali, zixabiso lazo liphantsi. Akumangalisi ukuba ziiseshoni zokurhweba apho amaxabiso ahlengahlengiswa ngokwemigaqo yokuhamba kwemali. Ngale ndlela, utyalomali lwakho lunokubandezeleka kwaye luphulukane nexabiso kwiiseshoni ezilandelayo. Kwindawo enkulu okanye encinci, ngokuxhomekeke kunyuso lwenkunzi oya kulo ngalo lonke ixesha.

Nangona kunjalo, kwaye njengoko iintsuku zihamba, amaxabiso adla ngokuhlengahlengisa kwixabiso lawo lokwenyani. Ewe kunjalo, xa ukonyuswa kwemali kugqityiwe. Ukusuka kule meko, emva kweenyanga ezimbalwa unokwenza imisebenzi enenzuzo evela kule nto ibalulekileyo kwiinkampani ezidweliswe kwiimarike zezabelo. Ngesi sizathu sichanekileyo, le yimisebenzi eyenzelwe ixesha eliphakathi nelide. Kwiprofayile yomtyali mali echazwe kakuhle kubandakanya olona londolozo. Apho ukhuseleko lukhona kwezinye iindlela zokutyala imali kwimarike yemasheya.

Zeziphi iinjongo onokuzifikelela?

iinjongo Kuzo zonke iimeko, ukuba uye kwenye yezi nkqubo zikhethekileyo kwilizwe leshishini, unokuzuza kuthotho lwezibonelelo. Ngaphandle koko akunakwenziwa ekuthengweni nasekuthengisweni kwezabelo ngqo kwiimarike ze-equity. Kuyakubaluleke kakhulu ukuba ubacingele ukuba kwiinyanga ezizayo uza kuba ngomnye wabatyali mali abaza kuzimasa unyuso olukhulu olwenzeka minyaka le. Kuba yinto ekhoyo inyanga nenyanga nonyaka emva konyaka. Ngokusisiseko, baya kuba zezi ndawo zilandelayo esiza kuthi sikubonisa zona ukusukela ngoku.

  • Isicwangciso esikhethekileyo onokuthenga ngaso izabelo amaxabiso asezantsi Ngaphandle kweenkqubo zesiko. Iluncedo kakhulu kumaxesha amade.
  • Unako ukwandisa utyalomali lwakho kwinkampani. Ke ngale ndlela, unawo ukusukela kuloo mzuzu inani elikhulu lezabelo. Ngamandla okuhlaziywa kwezabelo zakho kuya kwandiswa. Nokuba uhlengahlengise kwiprofayili oyibonisayo njengomtyalomali omncinci nophakathi.
  • Kwiimeko zeenkampani ezihambisa izabelo kubanini zabelo, oko kuya kubandakanya ubuchule ubize imali eninzi ngalo mvuzo. Nembuyekezo emiselweyo neqinisekisiweyo kulondolozo minyaka le. Nokuba zenziwa njani izabelo kurhwebo lwezezimali.
  • Kwezinye iimeko yindlela yokuvula izikhundla kwimarike yemasheya kunye izaphulelo ezinzima ngokubhekisele ekuthengweni kwezabelo ngokweenkqubo eziqhelekileyo. Nangona kuyakubanomdla kakhulu kuwe ukuba ufunde ngeemeko zokunyuswa kwenkunzi onomdla kuzo ngelo xesha.
  • Ayisiyiyo kuphela ngenxa yokuba inyuswe njengenkunzi, kuya kufuneka ukuba ibe ngumsebenzi onenzuzo kakhulu. Kuba, inokuba ngokuchaseneyo kwaye unenye ingxaki ngexesha lokutyikitya le misebenzi iqhelekileyo kwii-equities.
  • Unyaka wonke, Uya kuba nezindululo ezininzi ngezi mpawu. Ukuya kwinqanaba lokuba inokudala ngaphezulu kokuthandabuza okunokukubeka kwisibophelelo esibi. Ukuthintela le meko, awuzukukhetha ngaphandle kokukhetha le misebenzi ikunika ezona ziqinisekiso. Ukungayenzi loo nto kunokukuxabisa kakhulu ukusukela ngoku.
  • Awunakulibala ukuba kufuneka Hlalutya inkalo yobugcisa Ixabiso elibuthathaka lale misebenzi. Kuba ayizukufana ukuyenza ngokunyuka okuphezulu kunenye yokuqina okuhluke ngokupheleleyo. Kwaye unokuba yinto echaza impumelelo okanye hayi kunyuso lwenkunzi. Njengamanye amanani enza ubuchwephesha bayo.
  • Okokugqibela, awunakucacisa ukuba le misebenzi ayinakulunga, nokuba ungalahla imali kwipotifoliyo yakho yotyalo-mali. Ngesi sizathu, isigqibo sakho kufuneka sibe sisiphumo se ukucamngca ngokubanzi. Ayothusi into yokuba imali eninzi isemngciphekweni.

Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
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