Sala kakuhle kwisahlulo? Iinkampani ziyehlisa

Elinye lawona mabango aphambili okuba abatyali mali abancinci kufuneka bangene kwizabelo zizabelo. Yintlawulo eyenziwa ziinkampani ezidwelisiweyo kubanini zabelo, ngezibonelelo zamashishini azo. Kwaye yintoni kwi ISpain ifikelela kwisivuno ukuya kuthi ga kwi-10% Kwizindululo ezilungileyo kwimarike yemasheya. Nangona kunjalo, le meko inokumodareyithwa njengesiphumo sokungazinzi kweemarike zesitokhwe ekuqaleni konyaka, ezinokuthi zikhokelele kulungelelwaniso locwangciso mali oluchaphazela le ntlawulo yemivuzo.

Eyokuqala yeenkampani ezinokuhlisa izabelo kulo nyaka Repsol. Imeko yayo eshinyeneyo yeshishini ngenxa yokwehla kwezabelo zayo ngenxa yokuhla kwexabiso leoyile inokuba sesona sizathu sokuba abasindisi bafumane umvuzo ongephi ukusukela ngoku. Okwangoku inzuzo yayo isondele kwi-8%, Ngeentlawulo ezimbini ezimalunga ne-0,50 euro ngonyaka. Esi sicwangciso-nkqubo sikhuthaza uninzi lwabasindisi ukuba bakhethe eli xabiso ukwenza ingxowa yokonga kule minyaka imbalwa izayo.

Iziphumo zokuhla kwexabiso kweenkampani ezidwelisiweyo khange kube kudala ziza emva kokuhla kakhulu kwamaxabiso abo. Eyokuqala enokuhamba yinkampani yeoyile yaseSpain iRepsol. Kakhulu, kangangokuba kubonakala ngathi ukuncitshiswa kwesahlulo yinto encinci yexesha, kwaye njengesiphumo sesicwangciso sayo sokuhlengahlengisa iiakhawunti zayo zeshishini.

Ngaphandle koku, ipesenteji yemali esikiweyo kwizabelo eziza kusokola kubanini zabelo ayiqinisekiswanga. Kwaye ukuba iindaba ziqinisekisiwe, baya kushiywa ngentlawulo engaphantsi kwe-1 euro. Mhlawumbi malunga nesiqingatha se-euro kunyaka wonke, oya kuthi uvelise ukwehla ngama-50% kwinzuzo.

Ngaba utshintsho kwinkqubela phambili kwiinkampani?

Nangona abagcini boyikisiwe kukwahlulwa okunokuvela kwizahlulo ukusukela ngoku, kufuneka kukhunjulwe ukuba ayisiyonto engazange ibonwe ngaphambili kwii-equity zaseSpain. Akunanto, IBanco Santander sele ilwenzile olu hlengahlengiso kwinkqubo yayo yemivuzo xa ndibhengeza unyaka ophelileyo ukuncitshiswa kwesahlulo sayo se-0,60 euro ngonyaka kwimodal yayo yokuzikhethela ukuya kwi-0,20 euro enye ezinkozo. Kule meko, ngaphezulu kwesiqingatha.

Kwaye ngenxa yeli nqanaba, ezinye iibhanki zikazwelonke zikhethe indlela efanayo yokugcina iindleko kulwabiwo lomvuzo. Isiphumo sokuqala esiza kuchaphazela iiakhawunti zakho kukuba awusayi kuphinda ufumane iintlawulo ezikhuphisanayo, ubuncinci kwinxalenye enkulu yeenkampani zeIbex-35, kodwa Kuya kufuneka uqhele umbono wexabiso eliphantsi, mhlawumbi ngezantsi komqobo we-5%.

Ukuze le meko ifikelelwe, kuye kwafuneka kukhutshwe izilumkiso ezibini ezivela kwabasemagunyeni kwezoqoqosho. Kwelinye icala, i-European Central Bank (i-ECB) icele iibhanki zase-Europe ukuba zilumke ekuhlawuleni izabelo. Kwaye kwelinye, ezi ngcebiso ziqatha zibekiwe nakwimibutho yemali yesizwe. Ngokukodwa, evela kwiBhanki yaseSpain-ngeleta eya kubaqeshi-, wabuza ibhanki Nciphisa ulwahlulo lwakho lwemali kwi-25% yenzuzo.

Ngale ndlela, icandelo lebhanki libe nguvulindlela ekwehliseni isivuno sesahlulo. Ngoku kubonakala ngathi lithuba leenkampani zeoyile, Ichaphazeleke kakhulu kukuwa kweemarike zezabelo, kwaye akukho mntu ukuthintela ukufikelela kwawo kwamanye amacandelo eshishini. Kwaye abanye abagqatswa abaneevoti ezininzi zokuqhubeka nale meko ziinkampani ezinxulumene nezinto zokwenza izinto. I-Arcelor kunye ne-Acerinox ziphantsi kweliso, emva kokuba amaxabiso exabiso lawo efikelele kwi-mininos zembali. Ngubani ozolandela?

Ingaba la manyathelo adlulisela njani kumtyalomali?

Abanini zabelo kwezi nkampani baya kuba ngabokuqala ukuqaphela olu tshintsho ekuhlawuleni izabelo. Akunanto, Imali encinci iya kungena kwiiakhawunti zakho zokujonga unyaka nonyaka. Kwaye oko kunokuba nefuthe kubo ukuba bayeke (bathengise izabelo zabo) izikhundla zokufuna inzuzo engaphezulu kwizabelo zabo kunale ntlawulo imiselweyo. Nokuba kukho intshukumo enobundlongondlongo enokuchaphazela amaxabiso ezi nkampani.

Ukuqinisekisa iziphumo zokwenyani zeli nqanaba, kwanele ukukhumbula ukuba abantu abathenga izabelo zeRepsol ngoku (ngexabiso eliphakathi le-9 euro), Umvuzo wakho wokuqokelelwa kwezahlulo uzakuphindeka kabini ngokubhekisele kwabo bavule izikhundla kunyaka ophelileyo. Ngenxa yoko, abanini zabelo abatsha banembuyekezo ephezulu kakhulu yonyaka kunale yakudala. Kwaye ngokwale mbono ngokubanzi, iya kuba ngumsebenzi onenzuzo ngakumbi wokonga.

Le mpembelelo kwizenzo zentengiso eqhubekayo yaseSpain iya kuchaphazela abatyali mali abazikhuselayo ngakumbi kunaleyo ithelekelelwayo, okanye ubuncinci abo basebenza ngokusisigxina. Inokuchaphazela uninzi lweentsapho zaseSpain ekuthe kwiminyaka ethile imali yazo yafakwa kwiinkampani ezazisasaza izabelo eziphezulu. Ayothusi into yokuba ungafumanisa ukuba iintlawulo zakho ziya kwehla kakhulu.

Imarike yemasheya yaseSpain, eyona inenzuzo ngezahlulo

Ewe kunjalo, kukho into engenakuphikiswa, kwaye loo nto kukuba imarike yemasheya yaseSpain yenye yezona zinenzuzo kwilizwekazi lakudala kule ngcamango. La Isabelo se-Ibex sezahlulo ngoku singaphezulu kwe-4%, yenye yezona ndawo ziphakamileyo kwizalathiso zamanye amazwe. Amafemu afana neRepsol, enesivuno esilindelweyo se-2016% ngo-9, kunye neTelefonica, iRed Eléctrica, i-Enagás kunye ne-Endesa, eneepesenti ezingaphezulu kwe-6%, zezinye zezo zikhethwe ukukhetha esi sicwangciso somvuzo.

Ngokubanzi, amanye amacandelo abuthathaka kunamanye ukuze enze ezi ntlawulo zibe semthethweni ngokhuseleko olukhulu. Umbane, icandelo lezemali, oohola bendlela kunye neenkampani zeoyile zibekwa kwizikhundla ezilungileyo ukuhambisa izabelo phakathi kwabanini zabelo. Nangona unakho, kuwo onke amathuba, hayi ngamandla woqeqesho olwandulelayo. Ubuncinci kwezinye zeenkampani. Ukusuka apha, uthotho lweziganeko zivulwa ngabanini bezi zenzo.

Utshintsho lwesicwangciso

Njengomphumo wale meko intsha ithiwe thaca kwinxalenye elungileyo yabatyali zimali zentengiso, abayi kuba nandlela yimbi ngaphandle koku tshintsha icebo lakho lotyalo-mali, ukuyihambisa ngokuchanekileyo nangokweminqweno yakho. Banesikhokelo sezenzo ezinokuthi zinciphise ukuncitshiswa kwezabelo, nangona kunzima kakhulu kunamanye amaxesha. Kwaye kuyo nayiphi na imeko, kuya kufuneka ufunde ukuhlala nomvuzo oqinileyo, kwaye kwiimeko ezininzi awonelisi.

Ewe kunjalo, yingxaki entsha ojamelana nayo kwiimarike ze-equity. Le yokukhulelwa okutsha, yiyo loo nto ke ingxaki enkulu ukusombulula ngempumelelo ethile, okanye ubuncinci ngokusebenza okwanelisayo kwimidla yakho. Ngayiphi na imeko, kubonakala ngathi isivuno se-10% esibonelelwe ngala maxabiso sisecicini lokuphela phakathi kwexesha elide nelide. Kwaye inokuba ngenye indlela, Liya kuba lixesha lokuba uhambise ithokheni ukuze ungonzakaliswa kwimidla yakho njengomtyalomali omncinci

Ukufumana iinjongo, awuzukukhetha kodwa ukulandela uqeqesho ezinye izikhokelo zokuziphatha kwiimarike zezemali. Ngenjongo engayi kubakho enye ngaphandle kokuqhubeka ngokufanayo, okanye ngokufanayo, amandla okuthenga ukuza kuthi ga ngoku, kwaye avela kwingqokelela yezi ntlawulo zezibonelelo zenkampani.

• Unokubalekela kwiinkampani ezigcina izabelo zazo eziphezulu. Mhlawumbi hayi ngemida yonyaka ophelileyo, kodwa ngokuqinisekileyo baya kuba ngaphezulu kwe-5%, kwaye njengesiphumo seziphumo ezilungileyo zeshishini abaza kuzenza minyaka le.
• Njengolunye utyalo-mali unokukhetha ezinye Ingxowa mali yotyalo mali oko kusekwe kwiinkampani ezihambisa izabelo phakathi kwabanini zabelo, kwaye nakweyiphi na imeko zibonelela ngokhuseleko olukhulu kwipotfoliyo yabathengi.
• Isenokuba lixesha elifanelekileyo lokukhetha abanye iiparameter ezahlukeneyo kukhetho lwamaxabiso Kwipotifoliyo yakho yotyalo-mali, apho izabelo zidlala indima encinci kwisigqibo sayo.
• Ukuba awurhaleli kakhulu, ezi zokhuseleko ziya kuhlala zinenzuzo nokuba kunjalo, ngentsebenzo eyonelisayo ngakumbi kuneemveliso zengeniso esisigxina (iidipozithi, amanqaku ebhanki, iibhondi, njl.njl.), kunqabile ukuba kudlule isithintelo se-1%.
• Gcina ukhumbula ukuba izabelo ziya kuthi bahlawulelwe ngokuthe ngqo kwi-quote yakho, kwaye ngenxa yalo msebenzi ixabiso lokwenyani lezabelo lihlanjululwe. Nangona esi siphumo, ngesiqhelo, sinokulungiswa ixesha elide.
• Ukuba uza kugcina ipotifoliyo yakho yotyalo-mali iminyaka emininzi kulunge ngokwenene ukuba uyihlole rhoqo, kuba kuwo onke amathuba okuba izabelo ziya kuchaphazeleka kwiinyanga ezimbalwa ezizayo, kwaye ingangumzuzu oqinisekileyo wokuguqula ukwenziwa kwazo.
• Nokuba banciphisa ixabiso lezahlulo, usenokuba nomdla ekusebenzeni kwe- unyango lwerhafu imisebenzi yabo ibandakanya. Ngale ndlela, kuyacetyiswa ukuba udibane nomcebisi wakho werhafu.
• Kuya kufuneka uyazi i Iintlanganiso zeentlanganiso zabanini zabelo, apho kunokwenzeka khona izivumelwano malunga nokuphunyezwa kwala manyathelo ziyakuthathwa, kwaye wazi ukuba leliphi inyathelo oza kulithatha kula matyala.
• Kwaye ekugqibeleni, zama ukukhawulezisa amanyathelo okugqibela kwezi ntlawulo zingaguqukiyo kwaye ziqinisekisiwe, ngaphambi kokuba zidlulele kubomi obungcono kwaye zehliswe ixabiso ziinkampani ezidwelisiweyo. Ngokukodwa kwimeko ye-bearish kwiimarike zamasheya zamanye amazwe, njengaleyo ibikhula kwezi nyanga zintathu zidlulileyo.