Elinye lamaqhinga okutyala imali ukujongana namaxesha anzima kwiimarike ze-equity isekwe ekwakheni iphothifoliyo yotyalo-mali enokhuseleko olukhuselayo okanye olukhuselekileyo. Kodwa sazi njani ukuba bakweli candelo likhethekileyo? Apho kuzo zonke iiseshoni zokurhweba sinokubona ukuba kuhlala kukho amaxabiso athile anazo indlela yokuziphatha engcono kunabanye ngamaxesha amaninzi. Le yindlela yokuchonga oko kubizwa ngokuba kukuzikhusela okanye kukhuseleko olululo nolunokudityaniswa kumacandelo esitokhwe ahlukeneyo.
Ngaphambi kokuthetha nabo, kuyacetyiswa ukuba sibone ukuba zeziphi iimpawu zabo eziphambili. Ukuqala, zizokhuseleko ezisebenza ngokusemandleni azo kumaxesha okuphumla kwizabelo. Ukuguquguquka ayisiyiyo enye yezinto zayo, kodwa ngokuchaseneyo banegalelo kwiyantlukwano phakathi amaxabiso aphezulu kunye neyona nto ingabalulekanga. Banqabile ukugqitha kwi-2% kwiseshoni enye yokurhweba kwaye ngenxa yoko imisebenzi yabo ayilungelanga ukurhweba. Njengokuba bengakhathalelanga kakhulu ukuhamba okujikelezayo kwinqanaba leemarike zezemali.
Ngelixa kwelinye icala, bahlukile kolunye ukhuseleko kuba akunakulindeleka ukuba bafumane imbuyekezo enkulu kwaye ubuncinci kakhulu lifutshane kakhulu okanye lixesha elincinci. Esi sesinye sezizathu zokuba eli xabiso lingalandelwa yinxalenye elungileyo yabatyali mali abancinci nabaphakathi abafuna a izindululo ezikhawulezayo ukwenza ukuba imali oyityalileyo izuze inzuzo ngayo nayiphi na indlela. Ukongeza, abanye babameli bayo abanamatyala amaninzi, nto leyo eyenza kube nzima kuwe ukuba uhlengahlengise ukungena kunye nokuphuma kwamaxabiso kukhuseleko ngendlela othanda ngayo.
Amanani amaninzi okuzikhusela: umbane
Ngaphandle kwamathandabuzo enye yezi Abameli ababalaseleyo Eli candelo likhethekileyo kwimarike yestokhwe sikazwelonke. Apho konke okanye indawo elungileyo yokuhamba kwemali efuna ukufuna ukhuseleko ngakumbi kutyalo-mali kuqokelelwa. Ngexabiso elongezelweyo abasasaza isahlulo esinesiqikelelo somyinge we-6%, enye yezona ziphezulu kwisalathiso esikhethiweyo sezabelo zamazwe. Yindlela yokubuyisa imali yotyalo-mali kancinci kancinci kwaye, okona kubaluleke kakhulu, ngendlela ekhuselekileyo neqinisekileyo ngonyaka.
Enye yezinto ekufuneka zihlalutyiwe malunga namaxabiso esitokhwe yilezo zibhekisa kwinto yokuba ngokubanzi kukho iinkampani ezizinzileyo kunezinye. Ukuya kwinqanaba lokuba iiyantlukwano zawo ekuguqulweni kwamaxabiso azinako ukuya kude kakhulu. Ngokungafaniyo namanye amacandelo aneengcwangu athe Umahluko phakathi kwamaxabiso abo aphezulu kunye neyona isezantsi ukuya kuthi ga kwi-5% okanye nangaphezulu kwiseshoni enye yorhwebo. Isalathiso sokuzithemba esivelisa phakathi kwabatyali mali abancinci nabaphakathi nangaliphi na ixesha.
Oohola bendlela njengendawo yokusabela
Ishishini eliphindaphindayo lelona liqinisekiso lokuba lelinye lawona makhuselo agqwesileyo ngokugqwesileyo kwihlabathi lemarike yemasheya. Oku bekusenzeka njalo emva kweminyaka emininzi kwaye nangona ngeli xesha eli candelo linobukho obuncinci kwimarike yesizwe eqhubekayo emva kokumka nje kwamva nje. Abertis. Ngale ndlela, amaxesha amaninzi ukuhamba okumbalwa kusabela kumaxabiso ezi mpawu, zombini kwiimarike zesizwe nangaphandle kwemida yethu. Ngolwabiwo olusahlulayo olunomdla kakhulu kwimidla yabatyali mali abancinci nabaphakathi ngokunikezela ngembuyekezo kufutshane ne-5%.
Enye yeedinomineyitha zabo eziqhelekileyo kukuba la maxabiso ayingomjikelo konke konke kwaye oku kwenza kube lula kubo ukuba indlela yokuziphatha engcono kwiintshukumo eziphindaphindayo kwiimarike zezabelo. Ngelixa kwelinye icala, kunokwenzeka kakhulu ukuba baphuhlise phakathi kwabatyali mali ebhankini yokugcina ezinzileyo kule minyaka imbalwa izayo. Kuba, enyanisweni, awungekhe ulibale ukuba eli candelo likhethekileyo lemarike yesitokhwe liphantsi kakhulu kwaye linokukunceda ukuthambisa ilahleko yakho ekusebenzeni kwezona meko zimbi kwiimarike zezabelo. Njengolunye lwezinto onokukhetha kuzo kufuneka wenze ukuba inkunzi ifumaneke kwiimeko ezingathandekiyo kwiminqweno yakho ngokunxulumene nelizwe lemali.
Iimpahla zabathengi
Enye yeeklasikhi ngaphakathi kwii-equities zesizwe kunye namanqaku kwisitokhwe esiqela esinokuthi senze ngcono kwiimeko ezimbi kwiimarike zezemali. Ukusukela Ixabiso elinxulumene nokondla abanye ngendaloEsi sisibonelelo esenziwa yimarike yemasheya enganikezeli ngokuthandana kwabantu abaninzi. Apho ikakhulu ibonakaliswa ngokuba kukhuseleko lwesibini ekungafane kubekho umthamo omkhulu kakhulu wesivumelwano. Nangona ngokuchaseneyo, banokwenza amathuba athile okuthenga ngenjongo yokwenza ulondolozo lube nenzuzo.
Enye yeedinomineyitha zabo eziqhelekileyo kukuba babonisa uzinzo olukhulu kuqwalaselo lwamaxabiso abo njengoko ziinkampani ezinemigca ephindaphindayo nezinzileyo yeshishini. Oko kukuthi, banikezela ngemveliso kunye neenkonzo ezihlala zifunwa ngabathengi. Nokuba kukwixesha elinabileyo okanye ekudodobeni kwemali kwaye ngenxa yoko iingxelo zabo zengeniso azisokoli kakhulu. Nangona kuyinyani ukuba umthamo weekhontrakthi abanazo awuphezulu kakhulu, ngakumbi xa kuthelekiswa namaxabiso amakhulu esalathiso esikhethiweyo sezabelo zeSpain. Ukuya kwinqanaba lokuba ukuthengiswa kwayo akukho phezulu kakhulu.
Inqwelo yokuthenga
Ngenye yeeklasikhi ezikolu didi lwamaxabiso kwaye kule ngqiqo, kufuneka kusetyenziswe ingqiqo enokuthi uhlale usitya, nokuba kukho ingxaki yezoqoqosho okanye akunjalo. Yimfuneko esisiseko yabantu ekufuneka yaneliswe. Ngesi sizathu iinkampani zinikezele kakhulu ekondleni phendula kakuhle kumaxesha amaninzi kwiimarike zezemali. Njengoko ezi ziinkampani ngokucacileyo ngokuchasene nemijikelezo yezoqoqosho kwaye yiyo loo nto ziziphatha ngcono kunamanye amaxabiso ashukumayo ekuhambeni kweemarike zentengiso. Azikho ezinye iinkcazo zokuqaqambisa lo mkhwa kwiimarike zemali.
Ngelixa kwelinye icala, kufanele kuqatshelwe ukuba eyona ngxaki iphambili abajongana nayo abatyali mali abancinci nabaphakathi ziinkampani ezimbalwa ezibonisa ezi mpawu kwi uhlobo lweshishini lakho. Kuba, eneneni, kwii-equities zesizwe kukho kuphela amaxabiso amaxabiso awenziwe phantsi kwale nto ibalulekileyo. Oko kukuthi, ukuba unendawo ephezulu yokuhlala ukuze ufumane la maxabiso awodwa. Ngokungafaniyo nokwenzekayo ngokwenyani kwiimarike zamashishini ezingenanzala emisiweyo kwizwekazi laseYurophu apho ubonelelo lungamanzi kakhulu kwaye luyahluka.
Amanye amaxabiso alondolozo
Ngaphakathi kweli qela lingahambelaniyo kukho olunye uthotho lwamaxabiso esitokhwe anokusekwa ngendlela engaqhelekanga. Le yimeko ethile yeenkampani ezithile kwi zonxibelelwano ukuba abakhethe ubuchwepheshe obutsha kwaye banokuphendula kakuhle nakwezona meko zimbi kwiimarike zezabelo. Kwakhona, ingxaki yokuba abatyali mali abancinci nabaphakathi banonikezelo olulinganiselweyo abanalo ngoku kwezi zixabiso. Akumangalisi ukuba zininzi iiteleco ezingathathelwa ngqalelo njengezindululo zokuzikhusela. Ukuba akunjalo, ngokuchaseneyo, bakhuselekile kakhulu kwaye, ngaphezulu kwako konke, bayarhweba ngokungazinzi xa bebeka amaxabiso abo kwiimarike zezemali.
Elinye icandelo elinokubandakanywa kweli candelo likhethekileyo lelo libandakanya ezinye izinto zokwenza izinto, ezinje ngeoyile. Ingxaki abanayo kwimakethi yesitokhwe yaseSpain kukuba emva kwazo zonke ziinkampani ezinemali ephantsi kakhulu kwaye ngezihloko ezimbalwa kakhulu ezinokubanamandla amakhulu kunyuso okanye ukuncipha kumaxabiso abo. Ngayo uvumela ukuba kubekho ukutshintsha okukhulu kumaxabiso abo kwaye kunokufikelela kwiiyantlukwano ukuya kuthi ga kwi-5% okanye nangakumbi kwiseshoni efanayo yemarike yemasheya. Ngaphandle kokumela imigca yeshishini elihlala lihleli kwiimarike.
Okokugqibela, kufanele ukuba kuqatshelwe ukuba ezinye iibhanki nazo zinokuwenza lo msebenzi, nangona manqaphanqapha, kuba nakweyiphi na imeko lutyalo-mali olujolise kwixesha eliphakathi nelide kwaye zichanabeke kutshintsho kunikezelo nakwimfuno phakathi kwabatyali mali. Ukuya kwinqanaba lokuba kunokubakho ukubonwa okungaphezulu kokubhengezwa kunakwamanye amaxabiso okusika okuzikhusela. Nangona kunenzuzo yokuba eli candelo phantse kuzo zonke iimeko lihambisa isabelo esikhuthaza abatyali mali, ngenzuzo ephakathi ephakathi kwe-3% kunye ne-5%. Ukulungiswa kunye nokuqinisekiswa rhoqo ngonyaka ukuze kulungiswe imali kwiakhawunti yokonga zabanini zabelo. Ngayiphi na imeko, indibaniselwano yokuzikhusela kunye nesitokhwe esithile esinoburharha esinemali enkulu ekuvumela ukuba uhlengahlengise ukungena kunye nokuphuma kwamaxabiso.