Ngamaxesha amaninzi, ukwazi ukuba leliphi elona xabiso lineyona ntsebenzo imbi kwisalathiso esikhethiweyo saseSpain kunokuba luncedo kakhulu ekulawuleni iipotifoliyo zethu zexabiso. Ayisiyiyo kuphela njengesicwangciso-qhinga sokufumanisa ukuba zeziphi izindululo ekufuneka uzilandile ukwenza ulondolozo lube nenzuzo. Kodwa kukwazi i Utshintsho lwendlela ezinokuthatha amaxabiso abo kwizikhundla zokuba luncedo olukhulu kwimidla yakho. Nokuba yeyiphi na, sisiqwenga solwazi somdla okhethekileyo kubo bonke abatyali mali abancinci nabaphakathi. Ukuya kuthi ga kwinqanaba lokuba uya kukunika pista Injongo engakumbi ngemeko okuyo ngoku. Nangona kungenjalo ixesha eliphakathi nelide.
Ukusuka kule meko ngokubanzi, eyona datha ibalulekileyo yile esekwe ekufumaneni isibane esibomvu se-Ibex 35. Kunyaka apho le index ibalulekileyo yesitokhwe kwilizwekazi elidala iphumelele uxabiso kancinci ngaphezulu kwe-10%. Ngoluhlu kwiiseshoni ezingama-52 zokugqibela kwii-equities ezihamba kuluhlu olubanzi kakhulu olusuka kumanqaku ayi-8.500 11.000 ne-XNUMX Konke oku, kumthambo wokuba i-priori khange ibonakale imiselwe kwangaphambili ukubonisa la manqanaba aqinisekileyo awagcina ngalo mzuzu. Ukuza kuthi ga kwinqanaba lokuba abanye abahlalutyi bezezimali baqikelele ukulungiswa kwizicatshulwa zabo zamaxabiso.
Kwelinye icala, ayinakulityalwa loo nto Izabelo zaseSpain zinendlela elungileyo yeyeminyaka emininzi. Kwaye akukho mathandabuzo ukuba ngaxa lithile lo mkhwa kuya kufuneka wophulwe, nangobundlobongela obukhulu, njengoko iingcali ezithile kwiimarike zezemali zikhankanya. Oku kuphantse kube yipanorama yentengiso yesitokhwe sikazwelonke kulo nyaka. Xa zimbalwa kakhulu iiveki ezishiyekileyo ukuze zenze ibhalansi yokugqibela yokuziphatha kwayo ngexesha lika-2017.
Mapfre emazantsi amaxabiso ngo-2017
Olunye lweyona datha ichaphazelekayo yengeniso yesizwe eguqukayo kukuba inkampani yeinshurensi yeMapfre lelona xabiso libi kwi-Ibex 35 ngeli xesha kude kube ngoku. Ngexabiso ngesabelo ngasinye see-euro ezingama-2,72, emele ukuhla kwexabiso kwixabiso phantse le-6%. Ngokwahlukileyo okucacileyo kwezinye izindululo ezibonisa ukunyuka. Kwezinye iimeko, nokuba nombulelo ungaphezulu kwe-10%. Amanqanaba ayo kwiiseshoni zokugqibela ze-53 zokurhweba ziye zahlulwa phantsi kwemida ebanzi kwezi nyanga. Phakathi kwe-2,53 kunye ne-3,30 ye-euro ngesabelo ngasinye, ebonisa ukuba okwangoku kukwibhendi esezantsi yexabiso layo. Into enokukumema ukuba uthenge ngenjongo yokufikelela kwinqanaba eliphezulu koluhlu lwamaxabiso.
Kwelinye icala, iMapfre ine isivuno sangoku se-5,35%. Kwinqanaba eliphezulu lale share share phakathi kwabanini zabelo. Ukuze ngale ndlela, ube nengeniso emiselweyo kunye neqinisekileyo ngonyaka. Ngesicwangciso esikhethekileyo sokwenza ingeniso emiselweyo ngaphakathi okwahlukileyo. Njengenkuthazo eyongeziweyo ukuze ukwazi ukuthatha isikhundla ukusuka kulo mzuzu ungqo. Ukongeza, ujongene nokukhuseleka okungamanzi okutshintsha inani elikhulu lezabelo kwiseshoni nganye yorhwebo. Apho awuzukuba nangxaki yokuhlala ulikhoboka. Njengakwimakethi yentengiso embindini kwaye, ngaphezulu kwako konke, iminqwazi emincinci.
Ukuqala ngexesha elifutshane
Izabelo ze-inshurensi iMapfre zikwindlela esezantsi kwixesha elifutshane neliphakathi. Emva kokumakisha ukuphakama kwinyanga ephelileyo ngo-Epreli amanqanaba ee-3,3 zeerandi ngesabelo ngasinye. Ngokuchasene namanye amaxabiso okusingqongileyo kufutshane. Akukho miqondiso okwangoku ebonisa utshintsho kwindlela aziphethe ngayo. Kwaye banokukuqhubela ekubeni uthathe izikhundla kule nkampani idwelisiweyo. Kusemva kwayo yonke enye yezona ngxaki zakho ziphambili xa uhlalutya ubukho bakho kwizabelo kulo nyaka. Ewe, khange ibe yeyonelisayo njengoko abatyali zimali abancinci nabaphakathi bebengathanda ekuqaleni kwalo nyaka.
Ngayiphi na imeko, unokubona ukuba kwixesha elifutshane ifumana njani inkxaso yethutyana ejikeleze i-2,5 euro, ngaphambi kweendawo ezinobungozi ngakumbi njenge-2,2 euro. Kodwa bayalibala ukuba imisebenzi yokuthengisa iyanda ngabahlalutyi bezemali. Ngokukodwa, emva kokuba wophule umqobo obalulekileyo we-3,20 euro. Oko kukuthi, uluvo lwentengiso ngalo mzuzu icacisa ngokucacileyo ukuthengisa. Ke ngoko, akukho maninzi amathemba okuba iya kuvuka kwakhona kwiinyanga ezizayo. Ubuncinci ngokuphela konyaka kwaye esele ilixesha elifutshane ngokugqithileyo emngciphekweni wokuthenga kwakho.
Ukuncitshiswa kwezibonelelo kweli hlobo
Iziphumo zeshishini likaMapfre khange zibe ntle njengoko bekulindelwe kwiimarike zemali. Akukho kuncinci ukusukela oko i-inshurensi yokuqala yaseSpain, efunyenwe phakathi kukaJanuwari noSeptemba inzuzo eyi-444,6 yezigidi zeerandi Ukuziqhelanisa kuthetha ukuba i-22,3% ingaphantsi konyaka ngaphambili, ngenxa yeendleko zeentlekele zendalo zamva nje ezibhaliswe eMntla Melika naseCaribbean, njengoko kuchaziwe liziko ngokwalo. Uye wongeza ukuba ngaphandle kokuba le micimbi ivelisiwe, ingeniso enokubakho ibingakhula nge-8,6%. Umahluko ochaza ukuvela kwenkampani kwezi veki zidlulileyo.
Enye into enomdla yokuba ezi ziphumo zibonisa ukuba malunga nomvuzo kumnini zabelo. Iisenti ezingama-6 zeerandi kwisabelo ngasinye. Ngaphandle kwayo yonke into, ixabiso elipheleleyo ekupheleni kukaSeptemba lafikelela kwi-10.792 yezigidi ze-euro, ngelixa i-equity yayimi kwi-8.781 yezigidi ze-euro, kwaye ii-asethi zizonke zazingama-67.733 yezigidi zeerandi. Ngayiphi na imeko, iziphumo azikhange zifunyanwe kakuhle ziimarike zemali. Ukubabulisa ngokuhla jikelele okungakhange kugcwalise abatyali mali abafuna ukuzibeka kweli xabiso lecandelo leinshurensi ngentembelo.
Uhlalutyo oluqinisekileyo malunga nenkampani
Njengoko kubonisiwe kakuhle kweli nqaku, uluvo lweearhente zezimali aluncomanga ngolu khetho lwesitokhwe. Kodwa kuhlala kukho abanye abalamli bezezimali abawabona amathemba kwelinye icala. Le yimeko ethile yabahlalutyi beXTB ababhekisa kwinto yokuba eyona imbi sele idlulile eMapfre kwaye baqikelela ukuba Ixabiso ekujoliswe kulo lijikeleze i-euro ezingama-3 ngesabelo ngasinye kwixesha eliphakathi. Ukuza kuthi ga kwinqanaba lokuba babone utshintsho olukhulu kwezinye izikhombisi ukuxhasa olu tshintsho kwindlela. Ngawo uya kuba nohlengahlengiso olunokubakho kufutshane kakhulu namanqanaba e-5%.
Nangona kunjalo, ukuwela okubalulekileyo isithintelo se-2,48 euro ngesihloko Ngokuhambelana neenkxaso zangaphambili, imeko iya kwahluka kakhulu. Kuba ngeli xabiso kuya kufuneka uthathele ingqalelo indawo yokuthengisa. Ngale ndlela, iintsuku ezimbalwa ezizayo ziya kufaneleka kakhulu ukumisela umkhombandlela wendlela eya kuthi ithathe ukusukela ngoku. Ke unokwenza isigqibo ngeziseko ezingaphezulu zobugcisa. Ayothusi into yokuba izabelo zikaMapfre zezinye zezootyalo-mali abancinci nabaphakathi behlawula kakhulu. Ingakumbi kwabo banephrofayili ekhuselekileyo okanye ekhuselayo kwindlela yabo yokuthengisa iimarike.
Ukufezekisa iinjongo zabo
Kukwafanele ukulindela umnqweno wokuzama ukufezekisa iinjongo zakho zeshishini ngaphandle kweentlekele zendalo ezithe zenzeka kweli hlobo. Ngayiphi na imeko, inkampani ngokwayo ithathela ingqalelo ukuba iziphumo zibonisa ukuba yinkampani eqinileyo. Nokuba ikulungele ukulawula zonke iintlobo zokubonakaliswa kwendalo, ezinje ngezi zenzekileyo kweli hlobo. Banyanzelisa ukuba "i ukuqina kunye namandla emali eMapfre Akuthandabuzeki kwaye siyaqhubeka nesicwangciso-qhinga sokukhula esinenzuzo. " Le nto inokuvuselela amaxabiso, ubuncinci kwixesha eliphakathi nelide.
Ngayiphi na imeko, kwaye njengenqaku elincomekayo kwixabiso, sesinye sezindululo zokulingana ezine- ukuxabisa okuphezulu kwiinyanga ezilishumi elinambini ezizayo. Ngenxa yokungaziphathi kakuhle kulo nyaka ukuze ibe lelona xabiso libi kwi-Ibex 35. Umda ekufuneka ubuyile kuwo kumaxabiso akhoyo kakhulu. Kwaye okuninzi ngakumbi ngokubhekisele kwamanye amaxabiso esalathiso esikhethiweyo. Umzekelo, i-BBVA, i-Repsol, i-Iberdrola okanye i-Red Eléctrica, phakathi kwezinye zeenkampani ezifanelekileyo.
Ukusuka kule ndawo yokujonga, kuninzi ekufuneka ukufumene kunokulahleka ukusukela ngoku. Nangona unikezela ukuba uthatha umngcipheko wokuba olu hlobo lwemisebenzi lubandakanya iimarike zezabelo. Ngale ndlela, unokuhendeka ukuba uvule izikhundla kwelinye lamaxabiso asezantsi kwisalathiso esikhethiweyo seSpanish. Kodwa ucinga imeko yakho yangoku. Ngaphandle kokuba yenye yeetshiphusi eziluhlaza zaseSpain, yenye yezona zinto zibhejwayo ziphambili ngaphakathi kweenkampani ezincinci neziphakathi.