Njengoko bekusenzeka ukusukela ekuqaleni konyaka, nangona ubuncinci kwiinyanga ezidlulileyo, abatyali mali baqhubekile ukubheja kwezona ndidi zinomdla Ngexesha. Yiyo loo nto imali yotyalo-mali kunye nemirhumo ephezulu ngoJuni yayiyingeniso yexesha elide kunye nengeniso esisigxina yamazwe aphesheya nge-885 kunye ne-773 yezigidi zeerandi, ngokwahlukeneyo, ngokweedatha zamva nje ezinikezwe nguMbutho wamaZiko okuTyala aManyeneyo kunye neNgxowa-mali yomhlala-phantsi (Inverco) .
Ukongeza, ingxelo ibonisa ukuba iimali zengeniso ezinzileyo yexesha elide zezona zinengeniso ephezulu kwi-2019 nge-1.987 yezigidi ze-euro. Ngokukwanjalo, ingeniso esisigxina yamazwe aphesheya ebhalisiweyo yemali ebhalisiweyo ngoJuni ngexabiso lama-217 ezigidi zeerandi kwaye luluhlu oluqokelela ukungena okuphezulu ngonyaka nge-1.557 yezigidi zeerandi, kudlulwe kuphela kumvuzo osisigxina wexesha elide.
Ngokuchasene noko, imali yokubuyisa eyiyo igcina imeko yeenyanga ezidlulileyo kwaye kwisiqingatha sokuqala sonyaka saqokelela ukuphuma kwemali eyi-2.241 yezigidi zeerandi. Ilandelwa yimali yotyalo-mali kwi-Euro equity (ngaphandle kweSpain) ngentlawulelo kwiinyanga ezintandathu zokuqala zika-2019 ze- 1.496 yezigidi. Umbutho waMaziko oTyalo-mali oluHlanganisiweyo kunye neNgxowa-mali yomhlala-phantsi ikwaqinisekisa ukuba malunga nokuhamba kwemali, imali yotyalo-mali ibonakalise isimilo esingacacanga ngoJuni kunye nembuyekezo ebhalisiweyo eyi-12 yezigidi zeerandi. Kunyaka wonke ngokubanzi, bayaqokelela Ukukhululwa komnatha kwi-387 yezigidi zeerandi.
Ingxowa mali yotyalo mali
Kule ndawo yotyalo-mali, iBanco Santander ikwavelele njengenkokheli eSpain kwiingxowa-mali ezinoxanduva kwezentlalo (SRI), ngaphezulu kwe-66% yeeasethi zeemveliso ezilawulwa yi-Santander Asset Management. Apho eyona nto intsha inye kukuba iSantander AM isungule ingxowa mali yotyalo mali 'iibhondi eziluhlaza'. Ukuba ngumkhuba abanye abaphathi abaphuhlisileyo, kokubini kuzwelonke nangaphandle kwemida yethu. Njengenye enye yokwenza ukonga kunenzuzo ngemveliso ekhethekileyo njengale. Ngecandelo lendalo elicace gca kwasekuqaleni.
Kungenxa yokuba, ulawulo lweeasethi ze-Santander lomeleze uluhlu lwazo lotyalo-mali oluzinzileyo ngokusungulwa kwe-Santander Sostenible Bonos, imveliso ejolise kubalondolozi abaza kutyala imali yabo kwimicimbi ikakhulu 'yeebhondi eziluhlaza' (ityala lokudibanisa elenzelwe ukuxhasa ngemali iiprojekthi eziluhlaza. : amandla acocekileyo, ukunciphisa ukukhutshwa ...), eziya kuthi zincedisane ngolunye uhlobo 'lweebhondi ezinzileyo', ezinje ngezentlalo, ukutshintsha kwemozulu okanye iibhondi zokusingqongileyo, zonke zijolise ekuveliseni iimpembelelo ezilungileyo kuluntu nakwimeko-bume.
Iimali ezinoxanduva kwezentlalo
Le yenye yeendlela ezikhoyo kuluhlu olubanzi lweemveliso ezimiselwe ukutyala imali zabucala. Apho abatyali mali banokuthi bakhethe ukutyala imali kwiingxowa zazo ngokusekwe kwiinkampani ezinenqobo yokuziphatha, kwezentlalo okanye kokusingqongileyo, ngendlela ekuvumela ukuba uzilungelelanise ngokweenkolelo zakho, ngaphandle kwengeniso abanokuthi bayinike ababhalisile bakho. Ngokomgaqo, azilunganga okanye zimbi kunezinye iimali zotyalo-mali, kodwa zahlukile. Ukusuka kwinyani kwicandelo lemali, akukho mathandabuzo ukuba ingafunyanwa imali isekela ipotifoliyo yabo kwiindlela zokuziphatha zeshishini okanye abanye abathi baseke umda wokungatyali imali kwimveliso yezixhobo, kwimveliso yeziselo ezinxilisayo nakwimizi mveliso yemveliso.
Nokuba iinjongo zayo ziya phambili kwiinjongo ezilandelwa zezi mveliso zezezimali. Akumangalisi ukuba ezinye iimali zotyalo-mali nikela nge-0,5% yemali yolawulo kumashishini angekho phantsi korhulumente yengxowa-mali, ngelixa ezinye zimiselwe ulondolozo kunye nokuvuselelwa kweechedhedral eziyinxalenye yeArtistic Heritage yaseSpain. Ukuze ngale ndlela abanini ezifanayo bakwazi ukunceda kule misebenzi, ngelixa kwelinye icala banokwenza inzuzo ngokulondolozwa kwabo kwisicwangciso sotyalo-mali esahluke ngokupheleleyo kwezinye iimodeli.
Ngokusekwe kubumbano
Ezi fomati azibalulekanga kunikezelo lwangoku olunikezelwa yingxowa mali. Ukuba akunjalo, ngokuchaseneyo, kukho ezinye iifomathi ezinje inxulunyaniswa nobumbano. Ubizo lotyalo-mali oluqulathe ukufunyanwa kwengeniso yexesha elifutshane yoluntu nakwabucala ukwenzela ukunciphisa umngcipheko wotyalo-mali lwabathengi, ukuzama ukufezekisa, kwangaxeshanye, eyona nzuzo iphezulu. Umndilili wexesha lesikhundla sengeniso esisigxina uqikelelwa malunga neenyanga ezili-12 ukuya kweziyi-48.
Okanye kunye nokuzinza kwaye iinjongo zazo kukutyala imali kwiinkampani ezithathwa njengotyalo mali oluzinzileyo. Ukuqonda njengotyalo-mali olunjalo kwezi nkampani zinakho ukudibanisa okusingqongileyo, intlalontle kunye namathuba olawulo kunye nomngcipheko kwisicwangciso sabo nakwimisebenzi yokusebenza ngombono wokudala ixabiso kwixesha eliphakathi nelide kumtyali mali. Ngokusebenzisa iimali ezahlukeneyo zotyalo-mali ezikhoyo kunikezelo lwangoku lwabaphathi.
Izindululo zotyalo mali
Ezinye iimodeli, ngokuchaseneyo, zijolise kwingqwalaselo yezindululo zotyalo-mali lwabo. Ukuya kumacandelo ahanjiswe kancinci ngabaphathi bamanye amazwe kude kube ngoku. Le yimeko ethile yemveliso ebizwa I-MSCI yeeMetro zehlabathi kunye neMigodi. Ezona njongo ziphambili kukufumana eyona nzuzo iphambili kulowo uthatha inxaxheba kutyalo-mali oluninzi kwezokhuseleko ikhutshwe ngoonobumba abakhulu nabaphakathi ezijolise kwimisebenzi yazo ikakhulu kwicandelo lezinto ezingafunekiyo. Olu tyalo-mali lujolise ikakhulu kummandla we-euro, kodwa nakwabanye, njengamanye amazwe angamalungu e-OECD.
Ezi ziimali zotyalo mali Baye baba ndlongondlongo ngakumbi kwaye inqanaba lokungazinzi liphezulu kakhulu. Ukuya kwinqanaba lokuba imali eninzi inokulahleka apha endleleni, nangona ngenxa yesizathu esinye esenza imbuyekezo engaziwayo kwezinye iimali zotyalo mali. Ngale ndlela, yimodeli eyenzelwe iprofayili yomtyalomali echazwe kakuhle kwaye ngumsebenzisi onoburhalarhume ofuna ukubuya okuphezulu ngaphezulu kwezinye iintlobo zokuqwalaselwa. Ukuba luhlobo lokubheja lotyalo-mali olujolise kubatyalomali abanesimo esinoburharha ngakumbi. Njengenye into enokuthi abasebenzisi bayenze ikhontrakthi kwimveliso enezi mpawu.
Iimveliso eziqhelekileyo
Kusoloko kukho izixhobo zokukhetha ezona ndlela ziqhelekileyo kwicandelo lengxowa mali. Kwaye ukhetho olunye lumelwe kukutyala imali kwizabelo zelizwekazi elidala kwaye ngakumbi ngokuthe ngqo I-Eurostoxx 35. Ukuze ngale ndlela, bavumele umtyali mali ukuba amele kwizabelo zaseYurophu ngaphandle kokuvezwa ngqo kwimarike yemasheya. Apho kungafuneki ukuba ubheje kwixabiso elithile kuba uya kutyala imali yakho kweyona nkampani zimeleyo kwindawo ye-euro. Nangona kusilela ukungayiqokeleli ngokupheleleyo ingeniso yeengcinga ezinokuveliswa yimarike yaseYurophu, ukongeza kwiindleko kunye neekhomishini eziphakamileyo kunokutyala imali kwimarike yemasheya, enokuthi ngamanye amaxesha inyuke iye kwiipesenti ezi-3.
Esi siphakamiso sotyalo-mali sahlukaniswa yimfuno ye ulwazi oluncinci yemisebenzi eyenziweyo evela kutyalo-mali kwisalathiso semarike ngaphandle komngcipheko wemali. Oko kukuthi, imali yabo iy euro kwaye ngenxa yokuba ziinkampani ezidityaniswe ngokuqinileyo kwipanorama yeshishini yelizwekazi elidala. Ubuncinci botyalo-mali ukufaka ezi mali zixhomekeka kwiimpawu zazo nganye, kodwa okwangoku kukho iimveliso ezinokubhaliswa ukusuka kwi-euro ezingama-500 kuphela, nangona kutyalo-mali ukuvelisa iziphumo ezinqwenelekayo ngokubhekisele kwinzuzo ebonwa kufanelekile. idipozithi ejikeleze i-5.000 euro ubuncinci.
Iiphothifoliyo zotyalo-mali kwi-Intanethi
Unokufumana ngaphakathi kwezimali zotyalo-mali kunye nokuvela okuthile kwabo batyale imali kwicandelo lobuchwepheshe obutsha, ngakumbi kwi-Intanethi. Apho utyalo-mali lwenziwa kumacandelo ahlukeneyo ahambelana nemithombo yeendaba. Phakathi kwezo zivelileyo ukurhweba nge-elektroniki, isoftware, izixhobo zekhompyutha, abathengisi abakwi-Intanethi, njalo Ezi, ziimeko ezininzi, ziinkampani ezibonelela ngolindelo oluhle kakhulu lokukhula kwaye ezinokuphakama okuphezulu kakhulu okunokubakho kwaye nangaphezulu kwamanye amacandelo kwizabelo.
Itekhnoloji entsha yenye yeendlela ezizezinye ezinomdla ukwanelisa lo mnqweno kwicala labatyali mali abancinci nabaphakathi. Ukuza kuthi ga kwinqanaba lokuba enye yeendlela ezilula yokwenza le mfuno yenziwe ngokubakho kwemali yotyalo-mali kwezi mpawu. Ingakumbi ezo zivela kwiindawo ezithile, ezinje nge China kunye nezinye iidragons zaseAsia. Ngayiphi na imeko, sisibonelelo esibalulekileyo esikhoyo kwizindululo ezinikezelwa ziinkampani zolawulo lwamanye amazwe kubaxhasi bazo. Nangona iikhomishini zihlala zisanda. Kodwa iyavela njengenye yezinto ezinqabileyo abatyali mali abanazo ukusukela ngoku. Ngokusebenzisa iimali ezahlukeneyo zotyalo-mali ezikhoyo kunikezelo lwangoku lwabaphathi.