Ngokufika konyaka omtsha, lixesha lokuba uqwalasele iphothifoliyo yotyalo-mali elungeleleneyo kunye nethi iphinde ibe nokuhlaziywa. ngaphezulu kwe-avareji. Kuba esona sicwangciso silungileyo sokutyala imali asikokutyala imali kwisitokhwe esinye. Ukuba akunjalo, ngokuchaseneyo, isitshixo sempumelelo silele ekudaleni ibhaskithi yezabelo ezinokwenza ukugcinwa kwethu kube yinzuzo ngendlela eyonelisayo kwimidla yabatyali mali abancinci nabaphakathi. Ukubetha iziphumo ezinokuthi ziveliswe ziimarike zezabelo kweli xesha.
Ukwanelisa lo mnqweno, akukho nto ingcono kunokucebisa ukuba yeyiphi imilinganiselo yentengiso yesitokhwe yaseSpain enokuyenza ngcono kunenye ukusukela kwinyanga kaJanuwari. Kunyaka ongabonakali ngathi uthule kakhulu kubatyali mali. Ngenxa ikakhulu kwi ingxaki yezoqoqosho esele ikho kuqoqosho lwamazwe aphesheya kwaye inokuthi isebenze njengonobangela wokwehla okunokubanzima kutyalo-mali lwabathengisi.
Kwelinye icala, kufuneka sigxile kwiinkampani ezidwelisiweyo ezinokubanakho ukuphinda ziphinde ziqwalaselwe kwezi nyanga zizayo. Ukwazi ukuba ngekhe kube lula ukuzalisekisa lo mnqweno wokuqala kubo bonke abasebenzisi bemarike yemasheya. Apho elinye lamaqhosha okuphumelela iya kuba kukuqhuba Ukukhetha okuhle kumaxabiso oko kufanele ukwenza ipotifoliyo yethu yotyalo-mali. Oko kukuthi, emva kwayo yonke loo nto, yenye yeenjongo zethu eziphambili kulo nyaka sele iza kuqala.
USantander ulungelelaniselwe unyaka omtsha
Ixabiso lentengo le-Banco Santander kulo nyaka libekwe kwi-5 euro ngesabelo ngasinye, ngaphezulu kwe-3,70 ekuthengiswa kuyo ngoku. Ayilolize, ibe yenye yexabiso lentengiso yesitokhwe eyona yenzakeleyo ngalo nyaka kwaye ngaphandle kwamathemba amahle endinawo kulo nyaka. Ngale ndlela, ayinakulityalwa ukuba sesinye sezindululo kwiimarike zezabelo ezinezona ngcebiso zivela kubalamli bezezimali. Ngokukhawuleza xa usenza kakuhle, ungafezekisa iinjongo esizibekele zona.
I-ACS inokumangaliswa
Inkampani yolwakhiwo yenye yexabiso ekungafanelekanga ukuba ilahlekile echibini lethu lonyaka kakuhle. Ngenxa yokwahluka okulungileyo kwimigca yeshishini kwaye kunokukhokelela kweli xabiso, ubuncinci ukusondela 40 euro. Ngelixa kwelinye icala, kufanele kuqatshelwe ukuba le nkampani ilawulwa kakuhle kwaye lo mbandela kufuneka uboniswe kuqwalaselo lwamaxabiso alo kwiimarike zezemali. Ikwanayo nokwahlulahlulahlula okunomtsalane kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Njengokuba ibiyenye yamaxabiso ohlwaywe kwinxalenye yesibini yalo nyaka.
Layisha ubhejo olunoburharha
Ukunika iprofayili enobundlongondlongo kwipotfoliyo yethu yotyalo-mali, le bin inokufakwa. Kungenxa yokuba, naphakathi kwezizathu, isohlwaywe ngokuqatha kulo nyaka, kwaye nangaliphi na elinye ixesha inokuvelisa ukubuyela umva kokungaguquguquki okuthile okunokuthi kunike ixabiso elichanekileyo ngakumbi lentengo yalo. Ngayiphi na imeko, iya kuba lixabiso esabelwe lona isixa ukuthozama kakhulu. Kungenxa yokuba yinkampani edwelisiweyo ethe yaguquguquka kwaye oku kuthintela ukungena kwabatyali mali abatsha kwaye oko kunokuchaphazela ukunyuka kweemarike zezabelo.
Ibhanki yeBhanki: kucetyiswa kakhulu
Kwicandelo lokugcina imali le yenye yazo kukhethwe ngabahlalutyi Amashishini aseSpain. Kukwindawo entle kakhulu yokunyuka kwizikhundla ukusukela ngoJanuwari ngokubonisa idatha yeshishini elungileyo enokuthi ikhokelele ekuxabisweni kwezabelo zayo. Ngaphandle kwento yokuba isahlulo sayo asisesinye sezona ziphakamileyo kwicandelo lokugcina imali. Ngayiphi na imeko, ngokungathandabuzekiyo inokuba yenye yezona zinto zimangalisayo kunyaka olandelayo. Ngokukodwa, ukuba ukubuyela kwakhona kweli candelo lemarike yemasheya kuyenzeka, enye yezona zichaphazeleke kakhulu kulo nyaka, njengenxalenye enkulu yabatyali mali bayo ikwazile ukuqinisekisa.
IMapfre ilinde i-euro ezintathu
Ngaphakathi kwamaxabiso okhuselo okhuselo, le nkampani yeinshurensi inazo zonke iivoti zokwenza kakuhle kwiinyanga ezizayo. Ngenjongo yokuqala ebekwe kwi-2,90 euro ukusuka kwi-2,50 euro apho idweliswe khona ngoku. Ngaphaya koko kunokubakho ukusika ngamanye amaxesha onyaka. Kodwa kuzo zonke iimeko yenye yexabiso elimiselweyo ukubandakanya kwipotfoliyo yethu elandelayo yotyalo-mali. Apho enye yezona zinto zibalulekileyo ekunokuqeshwa kuzo ngabatyali zimali abancinci nabaphakathi sisabelo esikhulu esibonelelwa ngabanini zabelo. Ngomndilili ophakathi kunye nonyaka wenzuzo yento ethile ngaphezulu kwe-6%, yenye yezona ziphezulu kwizalathiso ezikhethiweyo zee-equities zaseSpain, i-Ibex 35.
Ilinde iSolaria
Ngaphandle kwesalathiso sikazwelonke esikhethiweyo, akufuneki silibale ngale nkampani inike ulonwabo olukhulu kubatyali mali abancinci nabaphakathi kule minyaka idlulileyo. Kungenxa yokuba kule ngqiqo, kufanele ukuba iqatshelwe ukuba amandla ayo ovavanyo ngeli xesha aphezulu kakhulu kuba amathemba eshishini lawo athembisa kakhulu kwixesha eliphakathi kwaye ngakumbi ixesha elide. Nangona ine ukungazinzi kumaxabiso abo kufanelekile ukuba sikhankanye xa kusenziwa iinguqu kwindlela ezihlala zikhona kwaye oko kwenza ukuba kube nzima kakhulu kubatyali mali abancinci nabaphakathi ukuba bathathe nasiphi na isicwangciso sotyalo mali. Apho iinjongo kumaxabiso eemveliso zabo kunzima kakhulu ukumisela.
Kuzo zonke iimeko, zenza enye yeemodeli esinokungenisa kuzo ukwenza inzuzo kwiiakhawunti zethu kwiinyanga ezilishumi elinambini ezizayo nangaphaya kokunye ukuqwalaselwa kobuchwephesha.
U-Endesa kwakhona ukonyuka simahla
Kwakhona, inkampani yombane ikwimeko ezintle zokunyusa ixabiso locaphulo lwamaxabiso. Ngokufikelela amanqanaba aphezulu kunama-euro angama-24 ngesabelo ngasinye, nangona kwicala elingalunganga kuyinyani ukuba sele kuncinci amandla okuhlaziya kwakhona. Ngokwengqikelelo yabahlalutyi abadumileyo kwiimarike ze-equity, injongo kukuba malunga nee-euro ezingama-26. Ngamanye amagama, inombulelo ongaphezulu kancinci kwe-6%, kunye nesahlulo esibonelela ngenqanaba lenzala kufutshane ne-6%. Enye yezona zinto zivulekile kwi-index ye-equities yesizwe, i-Ibex 35.
Ngelixa kwelinye icala, ayinakulityalwa ukuba iziphumo ze-Endesa kwiinyanga ezilithoba zokuqala zonyaka zilandele umgca olungileyo obekwe ngabo baziswe ngoJuni, ovumela ukuba kulindelwe ukufezekiswa kweenjongo ze-2019 ezichazwe yinkampani kwintengiso. ngaphakathi kwesakhelo sayo ISicwangciso soCwangciso. Apho ulawulo olufanelekileyo lwentengiso ekhululekileyo, kwimeko enzima kakhulu, kokubini kwishishini lombane nakwishishini legesi, liqhubeka nokuba ngumba ophambili kwezi ziphumo zilungileyo, apho uzinzo lwentengiso elawulwayo kunye neendleko eziyimpumelelo umgudu.
Ngumzuzu weTelefonica
Elinye lamaxabiso anokwenza ngcono kunalo lonke kunyaka ozayo yi-telecom par yokugqwesa, iTelefonica, kuba ngo-2019 yehle kakhulu ukuba ifike kumgangatho we-6 yesabelo ngesabelo ngasinye. Ngesi sizathu, kulula kancinci ukufikelela kwizikhundla kwezi nyanga zilishumi elinambini zingaphambili. Kwaye ekufuneka kongezwe isabelo esinamandla esinaso ngoku kulwabiwo rhoqo ngonyaka 0,40 euro ngemirhumo emibini yonyaka. Ukusebenza njengenkuthazo yokuthenga ngabatyali zimali abancinci nabaphakathi kwezi nyanga zingalindelanga wonke umntu. Ngaphandle kokuxhathisa okunamandla ekuchaseni okufumaneka kwi-6,85 euro, kodwa ukuba kugqithisiwe kunokuba sisalathiso esifanelekileyo sentsalela yonyaka ozayo, kuba amandla ayo okuhlaziya anyukile kwiinyanga ezidlulileyo.
Kuphi kwi-trimester yokugqibela, Telefónica uqhube ukukhula kwengeniso (+ 1,7% ixeliwe) xa kuthelekiswa nekota yesithathu ye-2018, ngenxa yokuphuculwa kweSpain, iBrazil kunye neJamani, ukusebenza okuqinileyo kwe-United Kingdom, kwaye ngaphandle kwefuthe elibi lemali. Ngokwemvelo, bakhule iipesenti ezi-3,4. Okunye okuphawulekayo kukonyuka kwengeniso yomndilili kumthengi ngamnye kwikota (+ 4,3% ye-organic year-on-year) kunye nokuphuculwa kwenqanaba le-churn / churn rate. Ezinye iziphumo, okwangoku, ezingakhange zibekho kwaye ezingakhange zisebenze njengesixhobo sokunyusa ubumbeko lwamaxabiso abo ngaphezulu kwe-7 euro. Ngesinye sezahlulo zesisa kwizalathiso ezikhethiweyo zeemali zelizwe, i-Ibex 35.