Kwiimarike eziqhubekayo zikazwelonke unokufumana ukubonakaliswa okubanzi kwezokhuseleko ezithengisa ngaphantsi kweyunithi enye ye-euro. Ekuboneni kuqala, oku kusebenza kunokukwenza ube novakalelo ngakumbi ukuqala ukusebenza nezi nkampani ukusukela ngoku. Nangona kunjalo, ixabiso labo eliphantsi kwiimarike ze-equity alizenzi ukuba zilungele wena ukuba wenze inzuzo ngokulondoloza kwakho. Nkqu ukusebenza kwakho kunokuba yingozi ngakumbi, kunye nemingcipheko eyongeziweyo ekufuneka uyithathele ingqalelo ngaphambi kokuthatha isikhundla kwezi nkampani.
Babonakala ikakhulu kuba nakuphi na ukuphambuka kwixabiso labo kunokumela ipesenti ephezulu kakhulu yenzuzo (okanye ilahleko). Ukusuka kweli nqanaba, bathambekele kakhulu ekwenzeni imisebenzi yokuqikelela kwisitokhwe. Nokuba kwiseshoni efanayo yokuthengisa, ngokuhamba kwangaphakathi. Kodwa inyani yokuba bathengisa ngokwamaxabiso asezantsi anokubangelwa lolunye uthotho lwezizathu, oluya kuba lula kuwe ukuba wazi ukuba uza kuthatha isikhundla kula maxabiso kwezi ntsuku zimbalwa zizayo.
Kwimakethi yesitokhwe yaseSpain kukho malunga neesitokhwe ezingama-20 ezinezi mpawu, kwaye bahlala bethengisa ngaphantsi kwe-1 euro. Bavela ikakhulu kwiinkampani ezincinci zokwenza imali, kwaye zinemali encinci kakhulu. Ngenxa yoko, kuya kuba nzima ngakumbi kuwe ukungena nokuphuma kwiimarike. Akumangalisi ukuba kunqabile kakhulu ukhuseleko oluthengiswa yonke imihla kwiimarike zokulingana. Ezinye zeenkampani ezihamba phantsi kwale miqathango zii-Amper, i-Ercros, i-Natra, i-Deoleo, i-Tubos Reunidos okanye i-Sniace, phakathi kwezinye.
Zeziphi iinkampani esithetha ngazo?
Kukho elinye iqela lokhuseleko elidweliswe ngezantsi kweyunithi ye-euro elinengxaki yezoqoqosho kwiingxelo zengeniso, ukuya kuthi ga kwi inqanaba eliphezulu kakhulu lamatyala. Kwaye ngenxa yoko, banazo yehla ngamaxabiso abo ukuhla kula manqanaba asezantsi kakhulu. Kunokuthiwa, ngaphandle koloyiko lokungachaneki, ukuba elona xabiso babelwe lona ziimarike zamasheya zezi zinto zimelwe zezi nkampani. Kwaye kunye nezihloko njengommeli wengeniso yesizwe eguquguqukayo njengeCodere, Puleva Biotech okanye Inmobiliaria Colonial.
Kwaye ngaphandle kwala matyala, ezinye iinkampani ezivela kumaqela asebhankini anamandla adityanisiwe, afana neBankia okanye iLiberbank, edla ngokusebenza phantsi kwale mida imxinwa kakhulu, ngenxa Ixabiso lokwenene lezabelo zakho. Kodwa hayi kuba bethengisa kumanqanaba asezantsi kangako ukuba kufanelekile ukuba babe yinto yomdla wakho wotyalo-mali. Kuya kubakho ezinye iiparameter ezahlukeneyo oya kuthi uzisebenzise ukuze uthathe izikhundla kumaxabiso ezi mpawu zikhethekileyo.
Kwaye nangayiphi na imeko, sukucinga ukuba zizithetho zokwenyani kwiimarike, kude nayo. Kungaba ngaphezulu kunesiqhelo ukuba uluhlu lwayo lwamaxabiso lubize kakhulu ukuthenga izabelo zalo, nokuba zikuluhlu lwe-0,30 okanye i-0,40 euro. Kwelinye icala, icandelo elilungileyo leenkampani eziye zatshona kwiminyaka yakutshanje (iLa Seda de Barcelona, iSniace ...) zihambe phantsi kwala maxabiso. Yiyo loo nto kufuneka ulumke kakhulu ukuxabisa utyalomali kwenye yezi nkampani zidwelisiweyo. Babandakanya umngcipheko owongezelelweyo, ekungekho kubo bonke abatyali zimali abancinci nabaphakathi abanokuthatha.
Yeyiphi imisebenzi onokuyenza?
Nangona kunjalo, olu didi lwezabelo luyabavuyisa abona batyalo-mali. Ungayijonga yonke imihla kwiiforum zokutshintshiselana ngesitokhwe, apho umdla kula maxabiso awodwa uphezulu kakhulu kwicala labasebenzisi. Akunanto, cinga ukuba ukubonga kwabo kunokuba nesisa ngakumbi, xa enyanisweni kungenjalo. Ngayiphi na imeko, ukuba uhendelwa ekubeni uthathe isikhundla kwezinye zala maxabiso, kuya kufuneka ulandele uthotho lwezikhokelo ekusebenzeni kwakho.
Zenzelwe ukusebenza okwenziwa kwelona xesha lifutshane, kungaze kube lixesha eliphakathi okanye elide. Kwaye ukusukela oko wazigquma iinjongo, awuzukukhetha ngaphandle kokuvala izikhundla ngokukhawuleza, kwaye wonwabele inzuzo eyinkunzi evela ekungeneni kwakho kwimarike yemasheya. Akukhuthazwanga kakhulu ukwenza utyalomali phantsi kweemali eziphezulu kakhulu. Ngaphandle koko, kuya kufuneka wabele i-15% njengowona mda ubuninzi beempahla zakho. Kwaye ukuba kunokwenzeka, uncediswa ngumyalelo wokulahleka komda, owaziwa njengelahleko yokumisa, oya kukunceda ekukhuseleni utyalomali lwakho.
Ngokubanzi babonisa ukungazinzi okubonakalayo kumaxabiso abo. Ngumahluko ophawuleka kakhulu phakathi kwelona xabiso liphezulu kunye nelona xabiso lincinci kwiseshoni efanayo yorhwebo. Ngokubonelela ngokufumana imali eninzi, okanye ngokuchaseneyo, ilahleko ngokuqinisekileyo zifakiwe kwipotifoliyo yakho yotyalo-mali. Ngamanye amaxesha ayinakuphinda ibuye, kuba kuya kuthatha iminyaka emininzi ukubuyisa amaxabiso abo, kwaye mhlawumbi ngekhe. Kwaye kwiimeko ezininzi, ziya kuthetha ukuba wenza ukuthengisa okungathandekiyo, ukuphulukana nee-euro ezininzi apha endleleni.
Abatyalomali bawamkela ngakumbi la maxabiso
Abathengisi abafuna ukwakha utshintshiselwano lokonga ngokusebenzisa ii-equity kuya kufuneka balibale ngezi nkampani unaphakade. Abayi kuba nakho ukuhlangabezana neenjongo zabo, kwaye Izinto ezingalunganga eziveliswayo ziya kuba ngaphezulu kunezibonelelo. Ukusuka kule meko, elinye iklasi labatyali mali- kunye neprofayili ephakathi - akufuneki bavuleleke kule misebenzi nokuba. Kwisibonelelo samanje sezabelo, inezindululo ezicebisayo kunye nenzuzo eza kuba yinto yokulandelwa kwayo. Hayi kwiimarike zesizwe kuphela, kodwa nangaphandle kwemida yethu.
Ngabona batyali mali banoburhalarhume, abancinci abenza imisebenzi yabo ngesantya esingaqhelekanga abanesona sibonelelo sikhulu sokwenza ukuthengwa kwezabelo ngamaxabiso aphantsi kangako. Bahlala basebenza kwi-Intanethi, kwikhompyuter yakho okanye kwi-Android yakho, kwaye ixesha labo lokuhlala alikho phezulu kakhulu, kwiintsuku okanye iiveki ezimbalwa. Ukwenza imisebenzi kwiimarike ngempumelelo enkulu, kuya kubaluleka ukuba uhlengahlengise amaxabiso okuthenga (kwaye kamva nexabiso lokuthengisa) ukwenza imisebenzi ibe yinzuzo. Ngale ndlela kuphela apho uya kuba nakho ukufikelela kwiinjongo zakho, uhamba phantsi kwemida emxinwa.
Enye into ekufuneka ithathelwe ingqalelo kolu hlobo lotyalo-mali kukuba zihlala zimbalwa kakhulu ezi zokhuseleko zihamba phantsi kwendlela enyukayo kwikoteyishini yamaxabiso azo. Amaninzi kunjalo emanzini, okanye ubuncinci emva kwexesha, ezingayi kuyenza indaleko yayo kwiimarike inike umdla. Ngobungozi obukhulu bokuqhubeka nzulu kwelahleko yayo, kude kufike kumanqanaba angalindelekanga. Ukuzibuza ukuba ingaba esi sicwangciso sotyalo-mali kufanelekile ukuba sikhethwe.
Ukongeza, zimbalwa iinkampani zohlalutyo lwezezimali ezijonga rhoqo ezi zenzo. Ukuya kwinqanaba lokuba uninzi lwazo abanalo nexabiso ekujoliswe kulo elinikezelweyo. Ngenxa yale meko, kuya kuba nzima ngakumbi ukwenza isicwangciso esichanekileyo sokwenza ulondolozo lube nenzuzo. Ayothusi into yokuba kukho okungakumbi okulahlekileyo kunenzuzo kule misebenzi. Kwaye apho amava aya kudlala indima ebaluleke kakhulu ekumiseleni ngokusesikweni.
Iingcebiso malunga nokuthengisa ngala maxabiso
Kuya kufuneka uthathele ingqalelo ukuba ujongene neqela lamaxabiso akhetheke kakhulu, lawo iya kufuna unyango olwahlukileyo Ukujonga ukuba kufanelekile ukungena kwizikhundla zabo ngoku. Xa uzifumana kuvavanyo lwemihla ngemihla lweemarike zesitokhwe kunye nezitokhwe ezirhweba ngaphantsi kwe-euro enye, uya kunyanzelwa ukuba uthabathe uthotho lwamanyathelo angaqhelekanga kwezinye iinkampani ezingazifezekisiyo ezi mfuno.
Ukukunceda uchaze esi sicwangciso sotyalo-mali, awuzukukhetha ngaphandle kokusebenzisa isikhokelo sokuziphatha kwizenzo zakho kwiimarike zezabelo. Abayi kuba nzima ukufaka isicelo, kwaye ukubuyisela, izibonelelo onokuzifumana ziya kuba nakho ukukubuyekeza kwimisebenzi eyenziweyo. Ngokusebenzisa ezi ngcebiso zilandelayo sikubhengeza apha ngezantsi.
- Ayisiyo ngenxa yokuba enexabiso elingaphantsi kweyunithi ye-euro ngaba oko kuthetha ukuba zitshiphu, kodwa ngokuchaseneyo, Ixabiso olibhatala kwizabelo zabo linokubiza kakhulu, kwaye nakwiimeko ezingalinganiyo.
- Kuya kufuneka ulumke xa ukhetha la maxabiso, kuba uninzi lwawo babalekela kwiingxaki ezinzulu zemali, kwaye nokuba kunokwenzeka ukuba bayeke imisebenzi yabo yeshishini.
- Ayothusi into yokuba ezinye zezi zenzo zivela kumaxabiso aphezulu kakhulu, kwaye kule minyaka idlulileyo ixabiso layo lehle ngaphezulu kwama-70%. Ke ngoko, ayizukuba sisiqalo esihle sokuqala ukusebenza kwakho kwimarike yemasheya.
- Amathuba oshishino kula manqanaba amaxabiso anqabile, kwaye ayisiyondlela ilungileyo yokwenza ipotifoliyo yotyalo-mali enesiqinisekiso esipheleleyo, apho umngcipheko uya kuba phezulu kakhulu, ngaphezulu kwamanye amaxabiso ezabelo zeSpain.
- Musa ukuyaba loo nxalenye yolondolozo oza kuyidinga kwiinyanga ezizayo bajongane neendleko eziphambili zobuqu nezosapho (iintlawulo zerhafu, isikolo sabantwana, iholide elandelayo, iindleko zamakhaya, okanye ezinye zeentlawulo ezingalindelekanga).
- Ukuba nesitokhwe esinikiweyo ngokubanzi njengangoku, kutheni uzikhathaza ngezi zenzo eziza kudala iingxaki ezinkulu kuwe. Khetha ezinye iindlela zotyalo-mali ezikhuselekileyo nezikunika iziqinisekiso ezingakumbi ekusebenzeni.
- Ukuba uzikhawulela kule misebenzi, Intsalela yokugqibela yeeakhawunti zakho zinokuchaphazeleka ekupheleni konyaka ngamnye. Olu hlobo lotyalo-mali akufuneki lube yinjongo, kodwa endaweni yokuxhasa ezinye izinto kwiimarike zesitokhwe.
- Ukuba, ngaphandle kwayo yonke into, ucinga ukuba kufanelekile ukubeka umngcipheko kwimali yakho, yenze phantsi kweziqinisekiso eziphezulu, ukunciphisa umda welahleko, phantsi kwemali ebuthathaka, ngakumbi ukubukela amanqanaba adwelisiweyo.