Esinye sezitshixo sokwenza utyalomali olufanelekileyo sisebenza ngokuthengwa kwezokhuseleko ezikwindlela ephezulu. Okwangoku akukho zindululo zininzi zokulingana kweSpain ezinezi mpawu zikhethekileyo. Kodwa kuyafuneka ukuba babhaqwe kuba, ngaphandle kwayo yonke into, ngabo babenombulelo ongazenzisiyo. Kwezinye iimeko nge isaphulelo malunga ne-20% okanye i-30% Kwaye bakha amathuba oshishino ayinyani okwenza ukuba imali eyinkunzi ityalwe inenzuzo.
Ukunyuka okuphezulu kuthetha ukuba ukunyuka kwamaxabiso kuyakugcinwa ixesha elingekho ngaphezulu kwexesha. Kodwa ngokuchaseneyo, banokwandiswa iinyanga ezininzi okanye iminyaka kwiminyaka ecacileyo. Apho inani le- ukwanda ngokukhululekileyo yeyona iluncedo kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Phakathi kwezinye izizathu zokufaneleka okukhethekileyo njengokuthi abasenakho ukumelana ngaphambili. Akukho mida kuhlaziyo olunokubakho.
Kwelinye icala, kufanele ukuba kuqatshelwe ukuba olu didi lwamaxabiso asecaleni okwenyukayo lolona lufanele ukubandakanywa ipotfoliyo elandelayo yotyalo-mali. Kuba ngaphandle kwamathandabuzo kuninzi okunokuzuzwa kunokulahleka. Ngamanye amaxesha ukubonakaliswa okuphezulu kunokuba ngumdla kubo bonke abatyali mali abancinci nabaphakathi. Ubuncinci de imeko yokunyuka kwamanye amaxabiso akhoyo kwii-equities zesizwe iphele. Okulandelayo siza kukubhengeza ezinye zezindululo ezineempawu ezichazwe kakuhle kwaye ezinokuba zizinto zokuthenga.
Umkhwa wobushushu: iFerrovial
Elinye lamaxabiso engeniso yaseSpain elineyona nto ibalaseleyo kubugcisa ngalo mzuzu yile nkampani yokwakha. Ayilolize, kwaye ngokwabahlalutyi bezemali abaninzi banendlela ebaluleke kakhulu yokunyuka kwezi nyanga zizayo. Kunye amandla aphezulu enkulu kune-20%. Kule nto yongezwa inyani yezinto ezintsha ezityikitywe yinkampani kwiinyanga ezidlulileyo. Kwelinye icala, ikwaxhasa ukonyuka kwezithuthi kunye namaxabiso kumazwe apho iqale khona ishishini. Ngomdla okhulayo kwicala labatyali mali abancinci nabaphakathi ababona kule nkampani idwelisiweyo yenye yezona zindululo zibalaseleyo zokwenza ukonga kwabo kunenzuzo kwixesha elifutshane neliphakathi.
I-Endesa ngokunyuka simahla
Yeyona nto ithandwayo ngabatyali mali abazikhuselayo. Awungekhe ulibale ukuba ungene kwiintsuku zamva nje elona nani lifanelekileyo elinokubakho kwixabiso lentengiso yesitokhwe, lokunyuka simahla. Inendlela ende ekusafuneka ihanjwe naphakathi kwezinye izizathu kuba ayisenako ukuxhathisa ngaphambili. Ngamafutshane, isiqinisekiso ukuze izabelo zayo ziqhubeke nokuhlaziya kwakhona nakulo nyaka. Ngale ndlela, ayinakulityalwa ukuba inkampani yombane yenye yeenkampani ezonyuke kakhulu kunyaka ophelileyo. Ngenzuzo yonyaka engaphezulu nje kwe-20% kunye Ukwahlula inzala ejikeleze iipesenti ezisi-7, enye yezona ndawo zisasazwe kakhulu ziinkampani ezidweliswe kwisalathiso esikhethiweyo sezabelo zamazwe, i-Ibex 35.
Iberdrola kunye nomdla weenkampani zombane
Ngenye inkampani yombane ethe yaveza umdla kwicala labatyali mali abancinci nabaphakathi. Kukwimeko yokunyuka simahla, eyona nto inokubakho kwixabiso lentengiso kunye nalapho kulindeleke khona ukuphononongwa kwakhona ukusukela ngoku. Ngapha koko, ikwabonelela ngoqikelelo oluqhutywa ngaphezulu malunga ne-18%Ngokutsho kwabahlalutyi bezemali, kunokubonwa ngaphakathi kwexesha elifutshane kakhulu lokurhweba kumanqanaba asondele kakhulu kwii-euro ezingama-8 ngesabelo ngasinye. Enye yexabiso layo elongeziweyo lilele kwinyani yokuba kukho isizukulwana esikhulu semali kwaye le yinyani enokubaluleka kakhulu ekuphuhliseni ukunyuka okutsha kwiimarike ze-equity. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi ukusuka kwindawo yokujonga izinto ezisisiseko.
I-ACS, ngokonyuka okungayeki
Ngaphakathi kwicandelo lokwakha elibalulekileyo kukho ixabiso elibonisa a imbonakalo yobugcisa engenasiphako. Sithetha nge-ACS, ethi ngoku ithengise ngokujikeleza amanqanaba ee-euro ezingama-36 ngesabelo ngasinye. Kodwa eyona nto ibaluleke kakhulu kukuba kwiiveki ezizayo inokuya kwi-40 euro. Apho ineyona nkcaso iphambili yokwenza iinjongo eziphambili. Kukhuseleko ekufuneka luthengwe, ngokwemiqathango esisigxina: imfutshane, iphakathi kwaye inde. Ibonisa amandla amancinci abonakalayo kumaxabiso aseleyo esalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35. Ithembisa iimvakalelo ezinamandla ukusukela ngoku. Ukuba nayo kwipotifoliyo yakho.
ISolaria ngaphandle kwe-Ibex 35
Le nkampani idwelisiweyo inokuphinda ibe yenye yeefayile ze- isimanga esikhulu kulo nyaka wokurhweba. Ewe kunjalo, ukuba le nto uyikhangelayo yinto engenakuthelekiswa nanto, akukho mathandabuzo ukuba olu khetho luya kuzanelisa iimfuno zakho ukwenza ulondolozo lube nenzuzo kunye neziqinisekiso ezinkulu zempumelelo. Ngayiphi na imeko, ine-drawback enkulu kwaye yile yokuba sele ixabisiwe kakhulu kwaye inamandla amakhulu. Kwaye ngalo naliphi na ixesha, awuzukukhetha ngaphandle kokulungisa izikhundla zakho kwaye le nyani inokubangela ukungangqinelani okubonakalayo kwipotifoliyo yakho. Ke ngoko, unonophelo olukhulu xa uvula izikhundla kolu khuseleko oluncinci. Ngaphandle kwento yokuba icandelo lobuchwephesha lilunge kakhulu kuyo yonke imigaqo yokusisigxina: imfutshane: iphakathi kwaye inde.
Njengoko sele ubonile, maninzi amathuba oshishino avulekileyo kuwe kulo mjikelo mtsha kwizabelo zeSpanish. Ngoku kufuneka ukhethe kuphela ixabiso elifanela iprofayili oyivezayo njengomtyali mali omncinci nophakathi. Kwaye kunjalo ithamsanqa elincinci lokuhamba kunye nezigqibo oza kuzenza.