Kukho iqela elikhethiweyo ngaphakathi kwii-equities zaseSpain ezenziwe ngokhuseleko ezithi zijikeleze okanye zisondele kakhulu kwi-100 yeuros ngesabelo ngasinye. Abadluli kodwa bayatsala umdla wabatyali mali abancinci nabaphakathi ngenxa yezi mpawu zikhethekileyo. Ukuya kwinqanaba lokuba inakho rhoxisa ukuvula izikhundla Ukucinga ukuba amaxabiso abiza kakhulu kwaye anefuthe engqondweni kwizigqibo zabo. Njengoko ukhe wazibonela ngawakho amaxesha kwimbali yakho kwicandelo lotyalo-mali.
Kule meko ngokubanzi, akukho mathandabuzo ukuba eli qela lomvuzo welizwe laseSpain linokwenza into ethile uloyiko phakathi kwabatyali mali. Ukuya kwinqanaba lokuba bangabi yinxalenye yezihloko ezikwiradar yokusebenza kwabo. Ukuba akunjalo, ngokuchaseneyo, isenzo sabo asiqwalaselwe nokuvulwa kwalo naluphi na uhlobo lwezicwangciso zotyalo-mali. Oko kukuthi, azikho kwimidla yakho yokwenza ukuba imali yakho efumanekayo izuze.
Kodwa ngale ndlela, kufanele ukuba kukhunjulwe ukuba la maxabiso, ngokwenyani yokurhweba kumanqanaba asondele kakhulu kwi-100 yeuros ngesabelo ngasinye, akufuneki athethe ukuba ayabiza. Le parameter imiselwe ngezinye izinto ezahlukeneyo. Ngamanye amagama, inkampani edweliswe kwii-euro ezingama-103 ayithethi ukuba iyabiza ngelo xesha, kuba mhlawumbi ichasene noko: ayibizi kwaye ibonisa ithuba lokwenyani leshishini. Kodwa ngenxa yenyani yorhwebo kumanani aphindwe kathathu ngaphandle kwezigqibo zethu zokuthenga izabelo.
I-100 euros: ngaba ziyabiza okanye zitshiphu?
Ukuba ii-equities zaseSpain zibonakaliswa yinto ethile, kungenxa yokuba kudweliswe amaxabiso ezabelo aphezulu kakhulu. Omnye wemizekelo yale meko umelwe ngu UAcciona ukuba lo mqobo unokufikelela kuwo kumanqanaba amaxabiso. Isiphumo kukuba lelinye lawona maxabiso acetyiswayo ngabalamli bezemali kwaye yintoni ebaluleke ngakumbi: ibonisa imeko engenasiphako yokuya phezulu kwixesha eliphakathi nelide. Apho ibonisa khona ukuphinda uhlaziyo luphezulu kunolo lweenkampani ezidweliswe kumanani ancitshisiweyo.
Kodwa inyani inye kuphela yamalungu e-Ibex 35 yeyona ekugqibeleni idlula umda we-100 yeuros ngesabelo ngasinye, njengoko kunjalo ngo-Aena. Ngelixa kwiimarike zokulingana kwendalo esingqongileyo kukho izindululo ezininzi zezi mpawu, njengakwiimeko ezithile zeDax yaseJamani okanye iFrance Cac 40, ethi thaca izindululo ezithe kratya kwezi mpawu nokuba zinemida ethe kratya kunakwimakethi yaseSpain. Ngamanye amagama, ngumkhwa ekufuneka uthathelwe ingqalelo njengesiqhelo kwaye uqheleke kwiimarike zamashishini ezingenanzala emisiweyo.
IVidrala malunga nokuyifumana
Kwelinye icala, kuye kwongezwa omnye umgqatswa wokufikelela kwi-100 ye-euro, njenge-Vidrala edwelisiweyo. Enye yeeklasikhi phakathi kwabona batyalo-mali abalondolozayo okanye abazikhuselayo kwaye leyo yinxalenye yepotifoliyo yotyalo-mali uninzi lwaba bantu. Ukuba lelinye lamaxabiso eemarike zikazwelonke eziqhubekayo ezixabise kakhulu kule minyaka idlulileyo, ngenqanaba eliphakathi kunye nengeniso yonyaka malunga ne-5,5%. Ngaphezulu kwezinye zeetshipsi eziluhlaza zesizwe. Nangona kwimeko yeVidrala enezinto eziphantsi kakhulu kwaye ichaphazela inyani yokulungelelanisa ukungena kunye nokuphuma kwamaxabiso.
Ngelixa kwelinye icala, olunye ukhuseleko oludwelisiweyo oludityanisiweyo kweli qela likhethekileyo lezorhwebo zezinye zeenkampani ezintsha ezidityaniswe kwiNtengiso yeNtengiso eSithengisayo (MAB). Nangona bevezwa kukuhlanjululwa kumaxabiso abo, njengoko kwenzekile kwamanye amaxabiso awaziwayo ama-equities kazwelonke. Ukuza kuthi ga ngoku ukuba ngoku bathengisa nge-20, 30 okanye i-40 euro. Kodwa ngenxa yokuba olu tshintsho kuqwalaselo lwamaxabiso sele luphunyeziwe. Ngaphandle kweziganeko eziphambili kumgangatho wobugcisa kwezi zindululo zentengiso eqhubekayo kazwelonke.
Ukucutha inkunzi
Inqaku elinye lokuthathelwa ingqalelo kwezinye zezindululo kurhwebo lwamashishini kuzwelonke ngokuqinisekileyo kukungxengwa kwemali eyinkunzi. Ngokubhekisele kule nto ikhethekileyo, kufanele kuqatshelwe ukuba kule minyaka idlulileyo iinkampani zaseSpain ezigqithe lo mqobo zikhethe ukwenza 'ukwahlula' kwizabelo zazo, njengoko kunjalo Inditex kwaye, kamva CAF. Ezi ntshukumo ziye zalahlekisa iintshukumo zabatyali mali abancinci nabaphakathi. Ukuza kuthi ga kwinqanaba lokuba bangazi ukuba kwenzeka ntoni ngala maxabiso kwaye ngenxa yoko abaqhubeki nemisebenzi kwizikwere zelizwe lethu.
Ngelixa kwelinye icala, kuyimfuneko ukugxininisa ukuba olu hlobo lwemisebenzi luyaphuhliswa ukuze lube ukhuphiswano ngakumbi ekubekeni amaxabiso akho. Ukuze ngale ndlela, abatyali mali abancinci nabaphakathi bakhethe ngesiqinisekiso esikhulu ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Esi sesinye sezizathu eziphambili zokuba i-Inditex kunye nezinye iinkampani zikhethe ezi ntshukumo zentengiso yemasheya. Ngokuchaphazela ngokuthe ngqo kumaxabiso abeka amaxabiso okhuseleko.
Amaxabiso angaphantsi kwe-100 euro
Emva koko kukho olunye uthotho lwamaxabiso alukafiki kumanqanaba e-100 euros. Ukuba akunjalo, ngokuchaseneyo, bahamba kwixabiso le- 70, 80 okanye i-90 euro kwaye banendleko zokuhlasela la manqanaba engqondo. Ngale ndlela, kwanele ukukhumbula ukuba kukho ezinye izinto ezikhuselekileyo ezikwezi meko kuba zidwelisiwe ngakumbi ngakumbi nangoku kunomqobo we-100 euro ngesabelo ngasinye. Emva kweAena, iAirbus, iBarón de Ley, iAcciona kunye neVidrala, inkampani elandelayo kwiNtengiso eQhubeka enexabiso eliphezulu ngesabelo ngasinye Amadeus. Ngokuchanekileyo enye yeenkwenkwezi ezinkulu zentengiso yezabelo kwilizwe lonke.
Kwelinye icala, ezinye iinkampani ezidweliswe kwimarike yaseSpain zihlala zingaphantsi komyinge we-50 euro ngesabelo ngasinye. Kumanqanaba aqhelekileyo abantu ababandakanyekayo ekuthengiseni ezi asethi zemali. Ukusuka kwi-BBVA ukuya kwi-Endesa kunye ne-ACS okanye iFerrovial. Uluhlu lonke lwezindululo zokwenza isigqibo sibe lula kubatyali mali abancinci nabaphakathi kwiinyanga ezizayo. Ngaphandle kokuya esitokisini ngamaxabiso aphezulu kwaye oko kunokubangela oko abatyali mali bakubiza ngokuba kukugula okuphezulu.
Imali kwii-commissions zala maxabiso
Ingakumbi abatyali mali abenza imisebenzi emininzi ngonyaka, zombini ezijolise kwixesha elifutshane, eliphakathi okanye elide, banokusebenzisa amaxabiso entengiso yesitokhwe aqala ukuthengisa ngakumbi nangakumbi amaziko emali kwaye, avumela ukonga okubalulekileyo ngokweekhomishini. yemisebenzi eyenziweyo. Ireyithi yakho ikhoyo phakathi kwama-10 nama-20 eeyuro ngenyanga malunga, kunye nomntu owenza imisebenzi iyonke ngenyanga, umzekelo, ukonga kunokuba malunga ne-euro ezingama-30 ngenyanga nge-avareji, ethi incede ekuphuculeni utyalo-mali.
Ngayiphi na imeko, ireyithi ethe tyaba kwimarike yemasheya ivumela umsebenzisi ukuba enze imisebenzi yokuthenga nokuthengisa njengoko befuna, njengoko kunjalo ngomnxeba okanye kwi-Intanethi. Nangona ukusetyenziswa kwayo kungaxhaphakanga kakhulu kwicandelo lezemali, ikakhulu kugubungela iibhanki kunye neebhanki zokonga ezo usebenza kwi-intanethi sele okanye abarhwebi, kuzwelonke nakwamanye amazwe, zezona zibonelela ngeemeko ezilungileyo. Ziluncedo, zombini ukusebenza kukhuseleko olukumanqanaba ee-100 ze-euro nakwezinye ii-equity zaseSpain.
Ujongana njani nokusebenza?
Emva kokwehlisa ingeniso eguquguqukayo kwiinyanga ezili-12 ezidlulileyo kungaphezulwana nje kwe-3% kusengqiqweni ukucinga ukuba amathuba okuthenga anokuvela kwixesha eliphakathi nelide, kananjalo kula maxabiso anamaxabiso aphezulu kakhulu. Kodwa ngeli xesha uhlala usebenzisa unikezelo olukhethiweyo kwaye ulumkele iinkampani ezinokuthi zibe nokuziphatha okuhle kunyaka omtsha wezorhwebo. Ngaphandle kokuchaphazeleka kwinto yokuba ngoku zidwelisiwe ngexabiso elinye okanye kwelinye. Ngaphandle kweempembelelo zokuhlaziya okanye zokulahla ixabiso kumthetho wonikezelo kunye nemfuno.
Ngokukhula okunokubakho kumgca ofanayo nezinye izindululo zokutyala imali kwimarike yesizwe. Oko kukuthi, ngomlinganiso osusela kwi-5% ukuya kuma-20% kwezinye iimeko. Kula manqanaba, kuya kubakho indawo yokonyuka ukuya kuthi ga kwixabiso eliphakathi elinikezwe yimvumelwano yentengiso kwizabelo zezi nkampani zidwelisiweyo. Ngaphandle kwalo naluphi na uhlobo lwezithintelo ngaphaya kwezo ziveliswe kuhlalutyo lobuchwephesha kunye nolusisiseko. Ukuze ngendlela efanayo, abatyali mali bakwimeko ezifanelekileyo zokwenza ukuba imali yabo ekhoyo ibenenzuzo. Kwaye ukuba kunokwenzeka ngophuculo olusengqiqweni kwimivuzo yakho.