ICandelo loHlolo lweNgeniso 4 iBanco inike ingxelo yayo Icebo lotyalo mali ye-2019, ephawulwe "kukuncipha kumjikelo wezoqoqosho kwihlabathi, nangona kugcinwa amanqanaba afanelekileyo omsebenzi." Kwicala elihle, imeko zezemali zilungile kwaye, njengeyona nto iphambili ekukhuleni, "inqanaba eliphezulu lamatyala kwinqanaba lehlabathi", uqinisekisa uMlawuli woHlahlelo, uNatalia Aguirre.
Iqela labahlalutyi iRenta 4 Banco ligcina ukhetho olucacileyo kwii-equities kunengeniso esisigxina, kwimeko apho imisebenzi yezoqoqosho iya kuqhubeka nokuxhasa ukuvela kweziphumo zeshishini (ukukhula kusondele kumanani aphindwe kabini), ngelixa Ingeniso esisigxina iya kuyeka ukubala Ngenkxaso ecacileyo yeebhanki eziphambili.
Ngokunjalo, i Ixabiso lezemali Banomtsalane ngokwembali, ngezaphulelo ezingama-20% nama-30% xa kuthelekiswa ne-PER yabo yeminyaka engama-30. Bakwachasene nomvuzo osisigxina waseYurophu, apho silindele ukunyuka kwee-IRR, nangona zilinganiselwe, utshilo umphathi. Kodwa ke, abahlalutyi bayalumkisa: , Unyulo lwaseYurophu…) ». Oku kunyuka kokungazinzi kuza kuvelisa amathuba okuthenga kunyaka ozayo.
Utyalo-mali ngo-2019: ukuguquguquka ngakumbi
Enye yezona zinto zixhaphakileyo kutyalo-mali oluphuculweyo kulo msebenzi iya kuba kukuguquguquka okukhulu. Oko kukuthi, banako ukuziqhelanisa nayo nayiphi na imeko, Nokuba yeyona nto imbi kakhulu kwiimarike zezemali. Zombini ngokubhekisele kwii-equities kunye nengeniso esisigxina kwaye apho ezinye iimodeli zibandakanyiwe. Kwiqhinga lotyalo-mali elijolise kukhuseleko lweemali eziyinkunzi. Ngesiqingatha sesibini sonyaka esiboniswa sinzima kakhulu, njengoko kulumkisiwe ngabahlalutyi abaninzi bezezimali abaxhaswa ziimarike.
Kwelinye icala, asinakulibala ngeli xesha ukuba yimeko engaphambi komsitho. ukunyuka kwezinga kummandla we-euro. Kwaye le nto ekugqibeleni iya kumisela ukuvela kweemarike zezabelo. Kungenxa yokuba ukuba yonke into ihamba njengoko kulindelwe ngabahlalutyi bezemali, iya kuqikelelwa ekuqaleni konyaka olandelayo xa kukho utshintsho kumgaqo-nkqubo wezemali kuluntu lwaseYurophu. Zinefuthe layo elihambelanayo kwiimarike ze-equity, endaweni yokuhla kumaxabiso ezinkampani ezidwelisiweyo.
Funa inzuzo kwiimarike ezikhulayo
Alithandabuzeki elokuba kwimeko enikiweyo yokungazinzi, ukukhangela inzuzo ngokucacileyo kuyanceda kwiimarike zemali ezihlumayo. Kodwa ngecandelwana elinokubaluleka kakhulu ukusukela ngalo mzuzu ukuya phambili kwaye lithathwe kwindima ezinokudlalwa zizalathiso zobuchwephesha kwintengiso nganye yezemali. Akumangalisi ukuba umahluko phakathi kwenye okanye enye inokuba yinto efanelekileyo kwaye oku kubeka etafileni ukuba ngelixa imarike yemasheya yaseIndiya ibiza kakhulu ngalo mzuzu, okwahlukileyo kwenzeka kwelaseTshayina izisa amaxabiso akhuphisanayo kakhulu ukuthatha izikhundla ngoku.
Ngelixa kwelinye icala, ikwayinto efanelekileyo kakhulu ukuba kufunyenwe ukuba umgaqo-nkqubo oqhubekayo wokuphumla kwemali usetyenziswa Ibhanki yabantu base China Iya kunceda uqoqosho lweli lizwe ukuba luqhubeke kwakhona kwikota okanye ezimbini. Oku kungqinwa yingxowa mali yotyalo-mali yaseNordea, elindele ukuba iingxaki kwiphepha lomncono ziphucuke, kunye nokwehla kokukhula. Sisimemo sokuthatha isikhundla kwenye yezona ntengiso zinobuzaza kwihlabathi. Ayothusi into yokuba kuqhelekile ukuba kwiseshoni yokurhweba ii-indices zayo zingakhula nge-3% okanye nangakumbi ngamandla nangomso olandelayo ipesenti enye ishiyekile.
Ukungaqiniseki kwimarike yemasheya yaseMelika
Enye yeemarike ezivelisa ukungathandabuzeki phakathi kwabatyalomali abancinci nabaphakathi ngokuchanekileyo yi-United States. Emva kokuba Uhlala elinye lawona maxesha okunyusa umgangatho Kule minyaka ingamashumi idlulileyo, kuphononongwe kufutshane ne-90%. Ngamanye amagama, ngeenzuzo ezinomdla ezenze uninzi lwabatyali mali abancinci nabaphakathi. Ngaphakathi kulo mxholo jikelele oboniswe yimarike yemasheya kwelinye icala leAtlantic, iNordea Asset ibonisa ukuba umkhwa wezabelo zamashishini zase-US ulungile. Nangona ngokuchaseneyo, abemi ngaphandle kwengozi yokuqhuba imisebenzi yorhwebo.
Nangona enye yezinto eziya kuthi zichonge ukuvela kwayo kwiintsuku ezizayo ziya kuxhomekeka kumnyhadala othile. Ayisiyo enye into ngaphandle kwesiphumo sempendulo ekugqibeleni ethathwe ekubeni Imarike yezabasebenzi iya kuba shushu kakhulu okanye hayi. Into engacacanga okwangoku kwicala leearhente ezahlukeneyo zeemarike zezemali. Ewe, iya kuba yinyani eya kukhokelela kwiingxowa ukuba zithathe enye okanye enye indlela ukusukela ngoku. Akumangalisi ukuba iya kuba ngumthombo ofanelekileyo wesalathiso wokufumanisa ukuba sijamelene nokuhamba kwexesha elide kolu rhwebo lwentengiso. Kwaye oko ngokungathandabuzekiyo kuya kuba nefuthe ekuziphatheni kwezinye iimarike zesitokhwe emhlabeni, kubandakanya iYurophu kunye nokwandisa iSpanish.
Kuqhelekile ukuba kwiseshoni yokurhweba ii-indices zayo zinokunyuka nge-3% okanye nangakumbi nangakumbi kwaye ngosuku olulandelayo ipesenti enye ishiyekile.
Ingxowa mali entsha eqinisekisiweyo
I-Bankinter isungule urhwebo ngengxowa mali entsha: IiRhafu eziQinisekisiweyo zeBhanki ye-IBEX, i-FI, ogqiba ukunikezelwa kweemveliso zotyalo-mali kumphathi wakhe, iBhanki yeGestión de Activos. Le ngxowa-mali intsha iqinisekisa, kwisithuba seminyaka emi-6 neenyanga ezi-5, 100% yenkunzi yokuqala -ixabiso lokuthatha inxaxheba ukusukela nge-15 ka-Matshi 2019-, kunye neentlawulo zonyaka ezintandathu ze-0,35% nganye kutyalo-mali lokuqala okanye kutyalo-mali olugciniweyo (isaphulelo intlawulo ngokuzithandela eyenziwe ngumntu othathe inxaxheba). Ezi ntlawulo ziya kwenziwa ngokufanelekileyo ngokubuyiselwa kwemali enyanzelekileyo nge-4 ka-Agasti yonyaka ngamnye ukusuka kwi-2020 ukuya kwi-2025.