Ngaphandle kwamathandabuzo, esinye sezicwangciso onokuzisebenzisa kwii-equities kukukhetha ukhuseleko oluhambisa izabelo phakathi kwabanini zabelo. Akumangalisi ukuba imarike yestokhwe yaseSpain yenye yeendawo ezibonelela ngesona sihlomelo siphezulu okwangoku. Kodwa kukwakho ukuba ngo-2018 ngaphezulu kwesiqingatha seenkampani ezidwelisiweyo ziya kuyonyusa. Ngokuqinisekileyo ziindaba ezimnandi eziza kukukhuthaza ukuba ungene kwiimarike zokulingana. Kungenxa yokuba uya kuba kwimeko ezingcono zokucoca i-akhawunti yakho yokutshekisha kwiinyanga ezimbalwa ezizayo.
Awunakulibala ukuba le yinqobo ekhethwe yinxalenye elungileyo yefayile ye- abaphathi ukwakha iipotifoliyo zakho zotyalo-mali. Ulwahlulo lwezixa kwii-equity equals zasekhaya ezantsi ngaphantsi kwemida ukusuka Iipesenti ezingama-3 ukuya kuma-9%. Kuluhlu olubanzi lwezindululo zokwanelisa ibango lakho ngazo zonke iziqinisekiso ezinokubakho. Ngawo onke amacandelo amelweyo kweli candelo likhethekileyo. Iinkampani zombane, iibhanki, iinkampani zonxibelelwano, iinkampani zeinshurensi kwaye ekugqibeleni uluhlu olude ukuze ukhethe esona siphakamiso silungileyo ngalo mzuzu ungqo.
Kule ndlela kwicandelo lemali akufuneki ulibale ukuba ukhetho olwahlukeneyo lukhona. Ngawaphi amathuba otyalo-mali agqwesileyo, awanikezela ngokubanzi ngezahlulo ezilungileyo, eziphezulu nezizinzileyo. Isicwangciso esiliqili sokwenza ingeniso emiselweyo ngaphakathi kokungafaniyo. Njengokunye okungaphaya kunokwenyani kwiimveliso zebhanki (iidipozithi zexesha, amanqaku ezithembiso, iiakhawunti zemivuzo ephezulu, njl. Kuzo zonke iimeko, kunqabile ukuba badlule amanqanaba e-1,50%. Ukwahlulahlula kwelinye icala, ubuncinci kathathu koku kubuyiselwa kulondolozo. Ngendlela ekhuselekileyo nesebenzayo.
Izabelo kwiinkampani ezinkulu
Olu lwabiwo kubanini zabelo lubonwa ikakhulu ngamaxabiso amakhulu esalathiso esikhethiweyo sentengiso yesizwe, i Ibex 35. Kuba, eneneni, uninzi lwabo lubonelela ngezi zixa ngexesha lokuvula izikhundla. Kwiinkampani ezineetshipsi eziluhlaza okwesibhakabhaka ezinje ngeRapsol, iBanco Santander, iBBVA, iEndesa okanye iIberdrola. Kodwa nakwabanye ngokubaluleka okukhethekileyo njengeFerrovial okanye i-Inditex. Ngayiphi na imeko, awuyi kuba nalo naluphi na uhlobo lweengxaki ukwenza esi sicwangciso kutyalo-mali. Isigqibo sokukwenza ngokufanelekileyo.
Izabelo, kwelinye icala, azibalulekanga kwisalathiso sokuqala sezabelo zamazwe. Ukuba akunjalo, ngokuchaseneyo, bakwakhona kwezinye iinkampani eziphakathi. Nangona kunjalo isipho sakho asizukuninzi kwaye kwiimeko ezinomvuzo njengakuqala. Uya kuyifumana le ntlawulo kwiakhawunti yakho yokutshekisha kwiintsuku ezimbalwa emva kokuba isebenze. Ke uya kukonwabela ukungabinamali yokuhlangabezana nezinye zeemfuno zakho ezisisiseko. Okanye ubuncinci uzivumele usebenze kancinci ngokubhekisele kwinto oyisebenzisayo.
Zithini iimpawu zayo?
Xa sithetha ngezahlulo sijongana nendlela ekhethekileyo yokuqonda imarike yemasheya. Apho okona kubaluleke kakhulu lutyalo-mali olukhuselekileyo noluzinzileyo. Ngaphezulu kwezinye izinto zobuchwephesha kunye nokuqwalaselwa kwesiseko. Ungalibali ukuba ufuna ukucwangcisa iintshukumo zakho ukusukela ngoku. Kuba kuninzi onokukuzisela lo mvuzo ukhethekileyo. Ngezibonelelo ezinjengezo sikubhenca apha ngezantsi.
- Baza kukunceda uhambe Ukuphuhlisa ibhegi yokonga unyaka nonyaka. Ukuya kwinqanaba lokuba inokukunceda ukongeza umvuzo wakho rhoqo. Ukuphuma ngaphezulu kwesinye ngokukhawuleza ekupheleni kwenyanga, ngokufutshane.
- Yiyo isigxina kunye ne-inshurensi oko kuyakwenziwa ngaphandle kokuxhomekeka kwiinguqu kwiimarike zezabelo. Ngale ndlela, inento yokwenza nomvuzo osisigxina kunengeniso eyahlukileyo. Umahluko ochuliweyo omele ukuwuthathela ingqalelo xa ukhetha esi sicwangciso sotyalo-mali.
- Unezindululo ezininzi njengoko ufuna kuba uluhlu lwamaxabiso abonelela ngolu phawu lungaphezulu kokumangalisayo. Ne ukumelwa kwawo onke amacandelo emarike yemasheya ke unokwenza isigqibo ngaphandle kwengxaki.
- Yindlela yokuzixhasa amatyala aphezulu ngaphandle kokuba ahlukane notyalo-mali nangaliphi na ixesha. Ukuya kwinqanaba lokuba ungagcina isitokhwe kwiphothifoliyo okoko utsho ngokuxhomekeke kwiimfuno zakho zemali. Wena ngokwakho khetha imigaqo yokuhlala. Mfutshane, iphakathi okanye inde.
Iyonke imbuyekezo kwimarike yemasheya
Kwelinye icala, awungekhe ulibale ukuba izabelo zilukhetho olunomdla kakhulu lokwenza ngokuthe ngcembe ifayile ye ngaphezulu okanye ngaphantsi kwengxowa ezinzileyo yokonga. Akumangalisi ukuba imele phantse isiqingatha senzuzo esiyifumana kwimarike yemasheya. Ukuba sisicwangciso esiluncedo kakhulu samaxesha okungazinzi okuthile kwiimarike ze-equity. Kungenxa yokuba kwezi nyanga babonelela ngokuhlawula amatyala ngalo lonke ixesha kwiakhawunti yakho yokujonga. Nangona ukuvela kwemarike yemasheya kungenjengokuba ubukulindele kwasekuqaleni.
Ukusuka kule meko ngokubanzi, izabelo zenziwa njengeyona ndlela ukufezekisa inzuzo kumaxesha oxinzelelo ngamaxesha obunzima bezoqoqosho. Uya kuhlala ufumana imali yotyalo-mali lwakho kwimarike yemasheya. Ngomvuzo wabanini zabelo onokufikelela phantse kwi-10% kwezona zindululo zinoburharha besalathiso esikhethiweyo selizwe. Ipesenti ekunzima kakhulu ukuyiphumeza nakwezona mveliso zezezimali zinoburhalarhume. Ngeentlawulo kwiakhawunti yakho ezinokuba zonyaka, ezinesiqingatha sonyaka okanye zekota, kuxhomekeke kwizicwangciso ezisetyenziswa ziinkampani ezidwelisiweyo.
Intlawulo ekhulayo kwi2018
Lo nyaka sisandul 'ukubulisa kuwo uboniswa njengolungileyo kubatyali zimali abancinci nabaphakathi abazakukhetha le modeli ekongeni. Phakathi kwezinye izizathu kuba kulo msebenzi ngaphezulu kwe-70% yeenkampani zonyuse izabelo. Ukuya kuthi ga kwinqanaba lokuba ibe sisikhombisi esisetyenziswa ngabaphathi abangakumbi nangakumbi ukuphuhlisa iipotifoliyo zabo zotyalo-mali. Ukuthathela ingqalelo ukuba yinkqubo ekhulayo nezinzileyo ekuhambeni kwexesha. Njengoko kuchaziwe yinxalenye elungileyo yabahlalutyi bezemali, ukutshutshisa olu hlobo lomsebenzi kwiimarike zezemali.
Ngokuchasene noko, izabelo yindlela yotyalo mali engakuvumeliyo ukuba uvelise inzuzo ngokukhawuleza nakwiiseshoni ezimbalwa zokurhweba. Ayothusi into yokuba bafuna ixesha elide kunelinye isikhokelo sotyalo mali. Nokuba ulilifa, njengoko kwenzekile ebazalini bakho okanye oomakhulu nootatomkhulu ngamanye amaxesha xa ukhuseleko lwalugqithile kumngcipheko okanye ezinye iindlela zobugcisa okanye ezisisiseko. Ungaze kubathengisi abafuna ukuqokelela umvuzo wabo kwelona xesha lifutshane linokwenzeka. Ngaphandle kweempawu zexabiso ngokwalo.
Akuhambelani nempumelelo ekhawulezileyo
Ewe kunjalo, ukhuseleko oluhambisa izabelo kubanini zabelo ziinkampani ezine-solvency eqinisekisiweyo. Kungenxa yokuba banike le mbuyekezo kufuneka bafumane izibonelelo kwiiakhawunti zabo zeshishini. Ngaphandle kwale mfuneko, akukho thuba lokufumana izabelo ngokuhlawulwa kwezi mpawu. Ke sisizathu kula maxabiso kukunika ukuzithemba ngakumbi ukususela ngoku ukuya phambili. Into ongasoze uyifumane iya kuba ziinkampani zokuqikelela okanye ubuncinci ezo zaziwa njenge-chicharros. Ngenxa yokuba akukho namnye kubo oya kuba nale ntlawulo kubatyali mali.
Ngokuqhelekileyo zivela kwiinkampani ezibonisa ishishini eliqinileyo okanye ukwanda kwe-Intanethi. Lo ngumahluko obalulekileyo ohlukanisa ezi nkampani zidweliswe kwii-equities. Ukusuka kolu luvo unokuqiniseka ukuba awuyi kuba phambi kokuxhamla okukhulu kumaxabiso abo kunye nokuguquguquka kwabo kuya kulawulwa ngaphezulu okanye ngaphantsi. Kuba ngaphezulu kwako konke sithetha ngeenkampani ezizinzileyo. Bavela kumacandelo afanelekileyo njengombane, oohola bendlela, iinkonzo zezezimali, i-inshurensi okanye iinkampani zentsimbi phakathi kwezinye zazo.
Ukuphuhlisa isicwangciso esichanekileyo
Unokukhetha kwakhona ukuqokelela izabelo kwaye ulinde iminyaka embalwa ukuba izabelo zakho zikuxabise ngaphambi kokurhoxisa izikhundla. Nokuba ubuyela kwelinye ixabiso leempawu ezifanayo njengokuphindwaphindwa kwesicwangciso sotyalo-mali. Ngayiphi na imeko, zininzi kwaye zahlukahlukene iinkqubo onokuzisebenzisa ngoku ukuze uxhamle kweli galelo linelisayo kakhulu kubatyali mali abancinci nabaphakathi. Kwakufuneka nje umonde omncinci kunye needosi ezininzi zokunyamezela ekwenzeni lo msebenzi kubudlelwane bakho nehlabathi elihlala linzima lemali.
Ngaphandle kwezi ndlela zibaluleke kakhulu, unokushiya izikhundla mzuzu kanye xa isixa-mali sitsaliwe kwi-akhawunti yokonga. Ukuhlala kwiimarike ze-equity okanye uzinike nje iintsuku ezimbalwa. Ukuzama ukufumana onke amathuba oshishino aveliswayo ukusukela ngoku. Into eya kwenzeka ngokungathandabuzekiyo, nkqu nakwezona meko zingazinzanga zezabelo. Kwelinye icala, ungasoloko ukhetha elona xesha lifanelekileyo lokukhetha olu hlobo lwesicwangciso kwimarike yemasheya. Kuluhlu olubanzi lweendlela ngeendlela zokusebenza.