Imarike yemasheya yaseSpain ithengise i-42.011 yezigidi zeerandi kwiimarike ze-equity ngoSeptemba, emele i-4,6% ngaphezulu kunakweli xesha langaphambili. Kwisemester yokuqala, umthamo weemvumelwano wehle ngama-26,1%. Apho inani lothethathethwano lube zizigidi ezi-2,8, i-6,8% ingaphantsi kwenyanga ephelileyo kwaye i-27,9% ingaphantsi kunangoJuni ka-2018. Kodwa yintoni abatyali mali abancinci nabaphakathi ekufuneka becacile ngayo kukuba abadingi kutyalomali kwimarike yemasheya ngamaxesha onke onyaka. Ukuba akunjalo, ngokuchaseneyo, banokukhetha ukuhlawula amatyala kwizikhundla zabo.
Ukuba semarikeni kwintengiso yesitokhwe kubandakanya uluhlu lwezinto eziluncedo kunye nezinto ezingalunganga ekufuneka zihlalutywe ukuze zazi ukuba oku kunokusixelela ntoni. enye into kwicandelo lotyalo-mali. Kuba, eqinisweni, akukho sinyanzelo kwicala labatyali mali abancinci nabaphakathi ukuba babekho kwimisebenzi yabo kwintengiso yesitokhwe. Ukongeza, kukho ezinye iindlela ezinokuthi zinikezele ngembuyekezo ngamanye amaxesha ngamaxesha okungazinzi okukhulu kwiimarike ze-equity. Umzekelo, ngeemveliso zemali ezikhutshwe ziibhanki. Phakathi kwabo, iidipozithi zexesha elimiselweyo, amanqaku ezithembiso okanye iiakhawunti ezihlawula kakhulu. Ngezinga lenzala, elinokuthi kwiimeko ezintle lifikelele kwi-2%.
Kwelinye icala, inyani yokungazibeki kwindawo yentengiso yesitokhwe inokukunceda ukuze ungafumani loyiko lungaqhelekanga ukusukela ngoku. Ngokukodwa, ukuba indlela yokuziphatha kweemarike zezemali ayisiyiyo le nto bekulindelwe ngabatyalomali. Ngamanye amaxesha ukurhoxa ngexesha elifanelekileyo luloyiso olunokunconywa njengoloyiso olukhulu kuyilo lweendlela zotyalo-mali. Nokuba ukhetha iimveliso eziguqukayo ezikuvumela ukuba uvelise inzuzo eyinkunzi ngeemarike zokulingana eziwayo. Apho injongo ephambili kukugcina imali. Ngaphezulu kwezinye iindidi zezicwangciso ezinobundlongondlongo ngakumbi kuzo zonke iindawo zokujonga.
Yintoni eziswa yimali?
Utywala kuthetha ukuba awukho kulo naluphi na uhlobo lotyalo-mali, kuzo zombini iimarike zengeniso kunye ne-equity. Nangona ewe kwiimveliso zebhanki ezingaxhomekekanga ekuguqukeni kwiimarike zemali. Le yinkqubo yokwenza inzuzo ngokulondolozwa kwakho onokukusebenzisa ngamaxesha onyaka. Ewe ixesha elide lokusisigxina kunye nexesha kuyo yonke imisebenzi yakho. Ukuya kwinqanaba lokuba kunokuba yindlela enenzuzo enkulu yokukhusela iimfuno zakho, njengoko uza kuba nakho ukubona kamva. Apho ukuphela kosuku kumalunga nokungalahleki kwemali kwimali yakho yokujonga.
Ngelixa ngokuchaseneyo, ukubakho kwetyala kubonakalisa uloyiko oluthile lokulahleka kwimisebenzi eyenziweyo ukusukela ngoku. Into ekhoyo kwizenzo zabo bonke abatyali mali abancinci nabaphakathi. Kuba, enyanisweni, awungekhe ulibale nangayiphi na indlela ukuba ibhegi kunokubangela ukuba ulahlekelwe yimali eninzi ukususela ngoku ukuya phambili. Ewe kungaphezulu kwayo nayiphi na imodeli okanye isicwangciso sokonga esiyilelwe ukwenza utshintsho oluncinci okanye oluzinzileyo lokonga ixesha eliphakathi okanye elide. Ungalibali malunga nalo mbandela ukuze wazi ukuba uyakufanela na okanye hayi ukuba ubekho kumaxesha athile ebomini bakho.
Izibonelelo zezi zithuba
Ubutywala ngurhulumente onokuthi uvelise izibonelelo ezinkulu kunye ezahlukeneyo kuwe, njengoko kuya kucaca gca ukusukela ngoku. Olunye lweempawu zalo ezifanelekileyo luvela kwinto yokuba imali yakho iya kukhuseleka kakhulu, nangona benako ukuyenza ibe nengeniso ngendlela obungathanda ngayo kwasekuqaleni. Ngelixa kwelinye icala, kuya kufuneka uphinde uvavanye ukusukela ngoku ukuba imeko yemeko yokuhlawula amatyala ichaza indawo egcina ngakumbi apho imeko yokhuseleko iphumelela ngaphezulu kolunye uthotho lokuqwalaselwa. Apho eyona nto ibaluleke kakhulu kukukhupha imeko kwiimarike ze-equity ziphila.
Enye into ekufuneka uyithathele ingqalelo kula maxesha achanekileyo kukuba ukunyuka kwemali kwimisebenzi ethathwe kwiimarike zezabelo akuncedisi uzinzo kwibhalansi yeakhawunti yakho yokonga. Ukuba akunjalo, ngokuchaseneyo, ziyindlela ethembekileyo yokuphepha ukubeka emngciphekweni imeko yakho yezoqoqosho xa ujongene nobunzima obunokubakho kwilizwe elinzima lemali. Ngezizathu ocinga ukuba ziyimfuneko kwaye kwimeko nganye ziya kwahluka ngokupheleleyo. Njengenxalenye ebaluleke kakhulu kuluntu lwaseSpain, kwaye kutheni ungayitsho, kwihlabathi liphela.
Ukufuna ukonga ngaphezulu kwako konke
Enye yeempembelelo zokukhetha ukuthengiswa kweemarike zezabelo kubangelwa kukuba unokukhetha iimodeli ezahlukeneyo okanye iifomathi zazo khuthaza ulondolozo lomntu. Ewe, ukuba lo ngowona mnqweno wakho ungxamisekileyo, akukho mathandabuzo okuba uya kuba neendlela ezahlukeneyo zokuwenza. Umzekelo, ikhontrakthi yedipozithi yebhanki yexesha elimiselweyo ebonelela ngembuyekezo ye-1%. Isicwangciso esiliqili sokudala ukutshintshiselana kokonga kwixesha eliphakathi nelide
Olunye ukhetho olunikezelweyo kugcino ziirhafu ezinxulunyaniswe namashishini. Ubuncinci kunye nenzala eqinisekisiweyo iqinisekisiwe. Ngobuchule bokuyiphucula ukuba injongo yotyalo-mali iyazalisekiswa ekugqibeleni kwaye kwimeko apho ukubuyela kufutshane ne-5% kunokufunyanwa. Nangona unomthwalo wokuba ixesha lokusisigxina kwezi mveliso zemali lihlala ixesha elide. Phakathi kweenyanga ezingama-24 ukuya kwezingama-36 phantse kwaye ngaphandle kokufumana ithuba lokurhoxisa kwangaphambili. Njengefomyula yokonga imali ngamaxesha okungazinzi okukhulu kwiimarike zezemali.
Iingxaki zokuhlawula amatyala
Ukuba kwityala, kwelinye icala, kuvelisa uthotho lweziphazamiso ezinkulu kumtyali mali. Kwaye enye yezona zinto ziphambili kukuba ayikuvumeli ukuba uthathe ithuba lamathuba eshishini anikezelwa ziimarike zezemali. Ngelixa kwelinye icala, iyabathintela ekufumaneni iinzuzo ezinkulu ngexesha elifutshane. Kungenxa yokuba ukuthenga nokuthengisa izabelo kwimarike yemasheya akanalo naliphi na ixesha lesigxina. Kodwa ngokuchaseneyo, ngumtyali mali ngokwakhe ohambelana nayo ngokusekwe kwiminqweno yakhe. Kwaye ke leyo yendaleko yeemarike zezabelo ngokwazo.
Ukungatyalomali kwimarike yemasheya kukwathetha ukuba unokutshintsha ipotifoliyo yakho amaxesha ngamaxesha ukulungelelanisa iimeko zeemarike zezemali. Ngokukhetha ukukhetha ukuhlawulwa kwezahlulelo eziyimbuyekezo kumnini zabelo ngenzuzo ephakathi kwe-3% kunye ne-8% malunga. Nokuba kwenzeka ntoni kwiimarike zezemali kwaye kuzo zonke iimeko uya kufumana unyaka nonyaka ngenxa yeakhawunti. Apho uninzi lokhuseleko oludweliswe kwisalathiso esikhethiweyo samasheya eSpain lunokuhlawulwa okungagungqiyo kwaye kuqinisekisiwe.
Ukhetho olukhethekileyo lwenzuzo
Ngeli xesha, ii-equities zezotyalo-mali apho unokufumana eyona mivuzo iphezulu emalini. Ngaphandle kwento yokuba yonke into ibonisa ukuba kunokumiswa kwiziphumo. Emva kokonyuka okuqhubekekayo okwenzekileyo ukusukela ngo-2013 kwaye okunokuvela kwezinye ulungiso lwequmrhu elithile. Ukusuka kule ndawo yokujonga, ukuba nemali kwintengiso yemasheya okwangoku kunokuba luncedo ekuzikhuseleni kule meko imbi kakhulu elindelweyo kwiminyaka embalwa ezayo. Apho ngaphandle kwamathandabuzo ukuba sinokulahlekelwa yimali eninzi kwimisebenzi evulekileyo.
Kwelinye icala, ukuhlawula amatyala kukwasizuzisa ngengqondo yokuba sinokuthi qwa kwaye singene kwiimarike nanini na sifuna. Ngokukodwa ukuba kukho imiqondiso yokuthenga kwezokhuseleko. Kuba ngale ndlela, siya kuba nefayile ye- amatyala afunekayo ukungena kwiimarike zokulingana. Into eyenzekayo ayenzeki xa sityale imali kuba ekuphela kwesisombululo kukususa izikhundla ezivulekileyo. Kwaye le ntshukumo ayinakwenziwa ngokusesikweni kwezona meko zilungileyo, kwaye nakwilahleko yotyalo-mali.
Ngokwe-Schroders Global Investment Study, kuyacaca ukuba abatyali mali baseSpain, ngokubanzi, banamabhongo ngakumbi kunabo baseYurophu. EYurophu, i-APR elindelekileyo kule minyaka mihlanu izayo yi-9%, nangona umndilili wehlabathi unyuka waya kwi-10,7%. Apho, iirhafu, eziza kuqhubeka zikwi-0% okanye zibi, ubuncinci kude kube sisiqingatha sokuqala se-2020, oko akuthethi ukuqhekeka kulindelo oluphezulu abanalo abatyali mali eSpain, abaqhubeka nokukhula. Ngo-2018, uqikelelo lubonisa i-APR elindelekileyo nge-9,1%. Apho ngaphandle kwamathandabuzo ukuba sinokulahlekelwa yimali eninzi kwimisebenzi evulekileyo kwaye le yinxalenye yokuyihlalutya.