Ngeli xesha akukho kuthandabuza ukuba ngexeshana elincinci siza kungeniswa ku ingxaki entsha yezoqoqosho. Nangona ihlala icacisa ubungakanani obunokuphuhla kula maxesha. Apho enye yezona ndawo zichaphazeleka ngokungathandabuzekiyo iya kuba ziimarike zezabelo. Ukuya kwinqanaba lokuba banokuphulukana nenxalenye elungileyo yoqingqo-maxabiso kwizenzo zabo. Ngexesha apho ukusikeka sele kwenziwe i-dent kwindawo yayo kwiimarike zezemali.
Kule meko ngokubanzi, lelona thuba lihle lokuhlalutya ukuba zeziphi izinto ezikhuselekileyo okanye iiasethi zemali ezinakho yenza njengendawo yokusabela kwiinyanga ezimbalwa okanye iminyaka elandelayo. Ngenjongo ephambili yokuvula izikhundla ukwenza ukonga kunenzuzo kunye neziqinisekiso ezinkulu zempumelelo. Apho banokuthi basebenze ngcono kunamanye amaxabiso emarike yemasheya kwaye ngale ndlela banokwandisa ukusebenza kwiimarike zezabelo. Njengesicwangciso-qhinga sotyalo-mali ukoyisa imeko yezoqoqosho esezayo kwihlabathi.
Kwelinye icala, awungekhe ulibale ukuba imalunga nokuba yile ungalahli mali ukususela ngoku ukuya phambili. Ngaphezulu kwezinye iintlobo zokuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga iziseko zayo. Oko kukuthi, emva kwayo yonke loo nto, enye yeenjongo zakho xa uphuhlisa nasiphi na esinye isicwangciso-mali. Ukusuka kule ndawo yokujonga, kuya kufuneka ujolise kukhuseleko olunikezela ukhuseleko olukhulu kwipotifoliyo yakho ukusukela ngoku.
Ixabiso leShelter: ukutya
Ngenye yeeklasikhi zokubonelela ngokhuseleko olukhulu kwipotifoliyo yakho yotyalo-mali ngamaxesha okudodobala kwezoqoqosho. Ayothusi into yokuba awuchaphazeleka ziingxaki zemali ehlabathini kuba uhlala usitya. Oko kukuthi, lixabiso elibalaseleyo ngokuchasene nemijikelezo yeshishini kwaye ke inokwenza ngcono kule meko. Nokuba kunokwenzeka ukuba izikhundla zabo zixabise kwezona meko zintle kwiimarike ze-equity.
Kwelinye icala, enye yezinto ezimbi kwesi sicwangciso sotyalo mali kukuba zimbalwa kakhulu izindululo kwizabelo zaseSpain. Kwaye phantse kuhlala kumelwe ziinkampani ezihambisa ukutya. Nangona elinye lamaxabiso alo afanelekileyo ngu Dia Elinye lamaxabiso asezantsi kakhulu kwimarike yemasheya yaseSpain. Ukuphelisa ukusebenza kwayo kakubi kwiimarike zezemali kumanqanaba angaphantsi kweyunithi yeyuro. Ukungabikho nakweyiphi na imeko isindululo sokuthatha isikhundla kwimarike yemasheya ngenxa yomngcipheko owenzayo ekusebenzeni.
Iimpahla zabathengi
Ngaphandle kwamathandabuzo elinye lamacandelo onokuzibeka kuwo xa uqoqosho oluoyikekayo luhlasela. Hayi ngelize, kuya kugqitywa ijika lekhaya elinokuba linomdla kakhulu ukusukela ngoku. Ngokuvalwa kweveki evezwe ngokuba kunye ukunyuka kwamaxabiso. Kwaye le yeyona miqondiso ibonakalayo inokuba licandelo lezorhwebo elicacisiweyo njengangoku. Ngelixa kwelinye icala, zidwelisiwe kwisaphulelo esithile esenza ukuba sibe nomdla kakhulu kulo naluphi na uhlobo lwesicwangciso-mali kwaye sijolise kuyo yonke imigaqo esisigxina: imfutshane, iphakathi kwaye inde.
Ngelixa kwelinye icala, licandelo elingazinzanga kakhulu, kodwa ngokuchaseneyo ligcina uzinzo oluphezulu kulungelelwaniso lwamaxabiso alo. Ukusuka kule ndawo yokujonga awuyi kuthatha isimanga esigqithisileyo ekuthatheni isikhundla kuba ukungafani kwabo akubethelekanga. Ukuya kwinqanaba lokukunika ukhuseleko ngakumbi ngokuchasene neemeko ezimbi kwiimarike ze-equity. Ke ngoko, inokuba lolunye ukhetho onokuluqhuba kutyalo-mali lwakho ukusukela ngoku. Nangona ukunikezelwa kwayo kwii-equities zesizwe akuyona enye yezona zinamandla kakhulu. Ukuba akunjalo, ngokuchaseneyo, kuncinci kakhulu ukuze uvule izikhundla.
Iinkampani ezinxulumene nezempilo
Ewe kunjalo, eli candelo alinakuphuthelwa kwipotifoliyo yakho yotyalo-mali ngenxa yeempawu elinegalelo kuzo kwiakhawunti yakho yezokhuseleko. Ukuza kuthi ga ngoku ukuba kulo nyaka lelinye lawona macandelo anyusa kakhulu kuba baninzi abatyali zimali abancinci nabaphakathi abathe bahambisa imali yabo ngokubhekisele kula maxabiso akhethekileyo. Ukongeza, kunjalo kude kakhulu nezona nkxaso zayo zibalulekileyo Oko kuthetha ukuba banokuphuhlisa imeko ephezulu yokuqina kwiinyanga ezizayo. Ngokusebenzisa icandelo onokulisebenzisa ithuba ukusukela ngoku.
Ngelixa kwelinye icala, olu didi lokhuseleko kakhulu ithambekele ekunyukeni kwezona meko zibi kwiimarike zezabelo. Kuba, inokuba lithuba elihle loshishino onokukhetha kulo xa utshintsha iphothifoliyo yakho elandelayo yotyalo-mali kwezi veki zilandelayo. Kuyo nayiphi na imeko, esinye sezicwangciso zotyalo-mali onokuzisebenzisa ukwenza imali yakho ibe nenzuzo. Kungenxa yokuba awungekhe ulibale ukuba la maxabiso ahamba ngokuchasene nemijikelezo yezoqoqosho kwaye ke kunokuba luncedo kakhulu kwimidla yakho.
Iinkampani zamandla azisoze zisilele
Xa ukhetha amaxabiso akhuselekileyo ngokugqwesa, amaxabiso ecandelo lombane akufuneki asilele. Oku kungenxa yokuba baqhuba ngcono kakhulu kolu hlobo lweemeko kwiimarike zokulingana, kuzwelonke nakwamanye amazwe. Kule meko, banokuwanyusa amaxabiso kula maxesha aphindaphindiweyo kuba yile nto ayenzileyo ngehlobo elidlulileyo. Ngokunyuka kwamaxabiso Izabelo zalo ukuya kuthi ga kwiipesenti ezi-4, ngelixa amanye amaxabiso ehle kakhulu kuxabiso lwawo.
Kwelinye icala, la maxabiso otyalo-mali ahlukile kuba awanantsingiselo. Ukuba akunjalo, ngokuchaseneyo, babonisa uzinzo oluphezulu ekwakheni iikowuti zakho. Ngamanye amagama, azinyuki kakhulu kwiimarike zokulingana, kodwa kananjalo azinciphisi ngamandla. Ngayiphi na imeko, zithathwa njengezizolileyo kwaye zijolise ikakhulu kwiiprofayili zokuzikhusela ngakumbi okanye ezilondolozayo zabatyali mali abancinci nabaphakathi. Apho ukhuseleko nolondolozo luthathela ingqalelo ezinye izinto.
Iinkonzo zokhuselo
Mhlawumbi eli lelinye lawona macandelo azikhuselayo kwaye elinye lilibalekileyo ngabatyali mali abancinci nabaphakathi. Kodwa enyanisweni isimilo sayo silunge ngakumbi kwezona meko zinzima kwiimarike zesitokhwe. Isizathu esaneleyo sokuzithemba iinkampani ezikweli candelo ukusukela ngoku. E-Spain, omnye wabameli I-Prosegur kodwa okwangoku inoluhlu lwayo kuba yinkampani ene-exposure ephezulu eArgentina. Ngayiphi na imeko, yenye yezona zixabiso likhuselayo kwii-equities zesizwe.
Ngelixa kwelinye icala, inemali engaphantsi kwaye oko kuthetha ukuba inokukuxabisa ngakumbi ukulungisa amaxabiso okuthenga kunye nokuthengisa. Ukongeza, zimbalwa kakhulu izihloko ezitshintshisanayo kuzo zonke iiseshoni zokurhweba. Nokuba yeyiphi na, yenye yeendlela zokuziphatha ekufuneka uzithathele ingqalelo ukuba ukudodobala kwezoqoqosho kuseduze. Ngenxa yokuba bengengabo inxulunyaniswa nemijikelo yezoqoqosho, njengenye yeenzuzo ezinkulu zokuyifaka kwipotifoliyo elandelayo yotyalo-mali. Ngamaxabiso amancinci kwixabiso lokhuseleko lwabo kwaye ayanceda ukugcina uzinzo kwixabiso labo
Ngomdla wenzala ephezulu
Kukho enye, indlela ngokubanzi yokukhusela izikhundla zakho ekwehleni kwimarike yemasheya. Ngokusebenzisa iinkampani ezihambisa izabelo phakathi kwabanini zabelo. Ngomsebenzi okwangoku okwaziyo dubula ukuya kuthi ga kwi-8%. Iphezulu kakhulu kunaleyo inikezelwa ziimveliso zebhanki kunye neemveliso ezivela kwimarike yengeniso esisigxina. Zisebenza njengendawo ekhuselekileyo xa kujongwa iimeko ezingazinzanga kwiimarike zamasheya zamanye amazwe. Ukujonga indawo yokusabela enamandla ekuhambeni kwemali kwaye ngale ndlela abanakuphulukana nexabiso labo kwaye ke behlise ixabiso.
Ngale ndlela, unokwenza i- ipotifoliyo yengeniso esisigxina ngaphakathi okwahlukileyo. Ngaphandle kokuvezwa ngokugqithisileyo kwinto enokwenzeka kwiimarike zemali. Ewe kunjalo, yindlela enomdla kakhulu kuwe yokufumana inzuzo esisigxina kunye neqinisekileyo ngonyaka. Ngokuhlawuliswa kweakhawunti okwangoku okunokuba ngekota, semi-ngonyaka okanye ngonyaka ngokuxhomekeke kumgaqo-nkqubo owenziwe liziko ngalinye letyala.
Ke ngale ndlela, ukwimeko ezilungileyo zokwenza ibhegi yokonga ezinzileyo kwixesha eliphakathi nelide. Oko kukuthi, emva kwayo yonke loo nto, yenye yeenjongo eziphambili zabanye abatyali mali abancinci nabaphakathi. Ngelixa ubekwe kwiimarike zamashishini anokulingana unokuba nenqanaba eliqhubekayo lokuhlawula amatyala ukusukela ngoku ukuya phambili kwaye ngaphandle kokuthatha umngcipheko ogqithisileyo wokusebenza.