Ukungabikho kwemali kokhuseleko, okwaziwa njengechicharros, yinto ethintela abatyali mali ekubeni bakwazi ukungena okanye ukuphuma kwizikhundla zabo ngokulula. Apho ukungazinzi okuphezulu kubenza babe ngamaxabiso ayingozi kakhulu kutyalo mali, kuba oko kunokuba njalo fumana imali eninzi, kodwa kwakhona ulahlekelwe ngokukhawuleza. Zinjongo zabo baninzi abatyali mali abancinci nabaphakathi abafuna ukufumana imali eninzi kwisithuba esifutshane sexesha ngaphezulu kwezinye izinto zobuchwephesha.
Ngaphantsi koku ihlelo benomdla njengoko benjalo ertyisi, njengamaxesha amancinci kangako kwezobuchwephesha, zibandakanya uthotho lwamaxabiso aphawuleka kakhulu kwii-equities zaseSpain. Bayaziwa ngenxa yokuba banemali encinci kwaye banomthamo weekhontrakthi ezingameli intengiso kunye nemisebenzi yokuthenga kwimarike yemasheya. Kodwa ukuba kukho into enye abayithandayo kakhulu kubatyali mali, kungenxa yokuguquguquka okunamandla okubonisa amaxabiso ezabelo zabo.
Zombini kwinto ekubhekiswa kuyo ukunyuka okanye ukuncipha kwixabiso layo lemihla ngemihla, kunye numahluko phakathi kwamaxabiso aphezulu kunye neyona isezantsi anokufikelela ngokugqibeleleyo I-10% kwiseshoni enye yokurhweba. Ukuya kwinqanaba lokuba yenye yeeasethi zemali ekunokwenzeka ukuba inyuse imeko yokuthelekelela kwentengiselwano. Ewe, kwii-equity kukho ukunqabiseka okuninzi kwezi mpawu zikhethekileyo kwaye oko kuyonwabisa abasebenzisi abatyekele kolu hlobo lwemisebenzi, ethi kwelinye icala ibe nomngcipheko omkhulu kwiintshukumo kwiimarike zezabelo.
Ukhuseleko olukhethekileyo: zithini?
Ngale mvelaphi, imarike yestokhwe saseSpain ibisoloko iphawulwa ngokunika uthotho lwamaxabiso agcina ezi zinto zihlala zikhona kwaye zinokwenza abatyali mali imali eninzi. Nangona, ngenxa yokubalula kwabo, banobuthathaka kakhulu ekuveliseni ukuhla kwexabiso kwixabiso labo. Ngaphandle kokuba yinxalenye yesalathiso esikhethiweyo, bamelwe zombini kwiNtengiso eqhubekayo nakwifayile ye- Enye indlela yokuThengisa (MAB). Ngeenkampani ezaziwayo ezidwelisiweyo ezinje ngeSniace, iDeoleo, iEurona okanye iCodere, phakathi koluhlu olude lwezindululo zotyalo mali.
Kuzo zonke iimeko, ezi ngamaxabiso ayingozi ngenxa yoqikelelo oluphezulu olumele imisebenzi yabo. Zifanele ngokukodwa ukusebenza ngaphakathi okanye yenziwe kwifayile ye- iseshoni efanayo yorhwebo. Ngokuchanekileyo kuba bavumela ukwahluka phakathi kokungena kunye nexabiso lokuphuma ukuba libanzi kunesiqhelo. Kodwa ngomngcipheko ongenakuphikwa wokufumana umkhwa kwizikhundla zabo. Oko kukuthi, ngexabiso elicatshulweyo likude kakhulu ekuthengeni ngenxa yokungazinzi okukhulu.
Usebenza njani ngala maxabiso?
Ngesi sizathu sichanekileyo, kufanelekile ukuba ubulumko ekusebenzeni nokhuseleko kuba zinenzuzo kuphela ukuba ukubheja kwimarike yemasheya kwenzeka ngexesha elifanelekileyo. Into ethi abatyali mali bangafundi kangako kule klasi yamaxabiso ayisoloko ikhula ngokuchanekileyo. Hayi ngelize, i Ubulumko kufuneka ibe yeyona nto iphantsi Kuzo zonke iintshukumo ngabatyali zimali abaphakathi nabancinci. Apho ingeyiyo yonke imali ekhoyo egcinwayo, ukuba akunjalo ngokuchaseneyo ubuncinci benxalenye yegalelo lezoqoqosho ukuyibeka emngciphekweni ngendlela engeyomfuneko neyingozi.
Ezi zihloko ezinempawu eziqheleke kakhulu ekuphuhlisweni kweenzuzo ezinamandla eziqokelelana ukusukela ekuqaleni kwentshukumo yokunyusa. Nangona ngenxa yezizathu ezifanayo, badla ngokuqhuba ii-trajectories eziguqukayo. Omnye wemizekelo ecacileyo umelwe ngu Kunzima uFelguera kwaye oko kugxininisa ukuntsonkotha kwala maxabiso. Ibonisa ukuhlaziywa kwe-10% nge-2018, ngaphezulu kwamanqanaba aboniswe yi-Ibex 35, eshiya iipesenti ezintlanu. Akunakulityalwa ukuba umahluko phakathi kwamaxabiso aphezulu kunye nawona asezantsi kuzo zonke iiseshoni zokurhweba uphezulu kakhulu kwaye ungaphezulu kwawo onke amaxabiso enza ubulungisa eSpain.
Ebonakaliswa kukungazinzi okuphezulu
Ngokuchasene noko, kwaye ibonisa oscillation enkulu kulungelelwaniso lwamaxabiso abo, yehle ngama-68% kule minyaka mibini idlulileyo. Ukuqaphela ubunzima bokusebenza kwixesha eliphakathi nelide. Ayothusi into yokuba yenye yeedinomineyitha ezinazo ii-ertyisi: zisetyenziselwa imisebenzi ethile kwaye zithintelwe ngokusisigxina. Akufanele zisetyenziswe nangaliphi na ixesha, kude nayo. Ukuba akunjalo, ngokuchaseneyo, ngamaxesha akhethekileyo apho kufanelekileyo ukukhetha olu hlobo lotyalomali lukhetheke kwaye lwahlukile kwimarike yesizwe.
Ngenxa yezi mpawu, kukho imali eninzi enokufunyanwa ngokuvula izikhundla, kodwa kunye nee-euro ezininzi ezilahlekileyo endleleni. Umahluko kwiseshoni enye yokurhweba ukuya kuthi ga kwiipesenti ezingama-25, ngandlela thile, njengesiphumo sayo nayiphi na amarhe okanye umsitho wequmrhu onxulunyaniswe nenkxaso-mali yawo okanye umdla wezinye iinkampani ezidwelisiweyo. Ngokhuseleko oluncinci kakhulu oluthengiswayo, imikhwa ihlala inobundlobongela. Kunye Utshintsho lwendlela yenye yezona zinto zixhaphake ngokuchanekileyo kwezi zixabisekileyo okanye zibizwa ngokuba yi-chicharros.
Fumana la maxabiso ngokuchanekileyo
Ngayiphi na imeko, ukufumanisa ii-ertyisi kwimarike yemasheya, akukho nto ilunge ngakumbi kunokuya kwinqanaba labo lokugaya kunye ne-decipher abameli babo. Ziye zaphawulwa ngenxa yokuba utshintsho lwezihloko kwiimarike alufiki kwiwaka lamawaka euros. Okuchasene ne Iichips eziluhlaza Amashishini alinganayo ezorhwebo athengisa isixa esikhulu semali kwiseshoni yorhwebo, kwi malunga ne-10 okanye i-20 yezigidi zeerandi. Nangona kumaxesha asebenzayo kakhulu kwikoteyishini yabo, ii-ertyisi ziphinda kabini ukuqesha kwabo. Lo ngumqondiso omncinci wokufumana la maxabiso akhethekileyo kwii-equities zesizwe.
Enye into echaza ezi nkampani kukuba akukho meko bayasasaza izabelo phakathi kwabanini zabelo. Kungenxa yokuba imigca yabo yeshishini ayizisi zibonelelo kwiiakhawunti zeshishini. Ke ngaphezulu kwenyani kumashishini abo, basekwe kulindelo kwaye ngenxa yesi sizathu basesichengeni sokungena imida yokuhla enyuka phezulu kakhulu kumaxabiso abo. Akumangalisi ke ukuba olu didi lwamaxabiso esitokhwe alunakuphazanyiswa kwaye lusemilebeni yenxalenye enkulu yabatyali zimali abanikwa olu didi lwemisebenzi ngokungaqhelekanga kwaye kwangaxeshanye benomngcipheko omkhulu kwiintshukumo ezithathiweyo.
Igalelo lala maxabiso
Kuyinyani ukuba amaxabiso abizwa ngokuba yi-chicharros nawo anokuvelisa isibonelelo esingaqhelekanga ngamaxesha athile otyalo-mali. Ngaba uyazi ukuba zeziphi ezizezona zibalulekileyo? Ewe, ukuze ukwazi ukusebenza ngempumelelo kweli qela lotyalo-mali, awuzukukhetha ngaphandle kokuba wazi ukuba ngawaphi amanye amagalelo amahle abanokukunika wona kwaye ewe banazo, nangona uninzi lwabatyali mali abancinci nabaphakathi abazi ngale mizuzu. Umzekelo, ezo siza kukubonisa apha ngezantsi:
- Su amandla aphezulu inkulu kwaye kwezinye iimeko ayinayo nemida. Eminye iyasilela kumaxabiso aqhelekileyo ezabelo zamashishini ezingenanzala emiselweyo kuzwelonke. Kuya kufuneka uphile ngomngcipheko ophezulu wokuba kufuneka uvavanye ukuba ayifanelanga na iprofayili yakho njengomtyali mali.
- Unayo uluhlu olubanzi lwamaxabiso ngezi mpawu zikhethekileyo. Ewe kunjalo, ngaphezulu kwezinto ocinga ngazo kwasekuqaleni kwaye ngale ndlela unokhetho oluninzi onokukhetha kuzo kwaye ubekhona kwinxalenye enkulu yamacandelo emarike yemasheya. Ngayiphi na imeko, awuyi kuphoswa zizindululo ukuba ufuna ukwanelisa le mfuno kwimarike yestokhwe saseSpain.
- Enye yezona zinto zibaluleke kakhulu kukuba yenye yala maxabiso zilulwelo kakhulu ngokuchasene nenkolelo jikelele. Apho awuzukuba nangxaki ukungena nokuphuma kwizikhundla zabo ngalo naliphi na ixesha nakwimeko. Nangona ulumke kakhulu ngayo, kuba ayichaphazeli onke amaxabiso aqikelelweyo, kodwa kuphela zimbalwa ezikhethiweyo.
- Ukuba ufuna ntoni iimvakalelo ezinamandla Ewe ujongene nolona tyalo mali. Ngesi sizathu, kuphela ngabo bafuna ukuhlala nale mvakalelo kufuneka basebenze nolu didi lwamaxabiso lukhethekileyo kubo bonke abatyali mali. Ayimangalisi into yokuba eyona nto ikhuthazayo kubo ibubungozi. Yiprofayile echazwe kakuhle kudidi oluthile oluthile olukhoyo abatyali mali abancinci nabaphakathi.
Umngcipheko wale misebenzi
- Kwelinye icala, kuya kufuneka ujonge kwaye uhlalutye umngcipheko obandakanyekayo kwezi ntlobo zemisebenzi kwimarike yemasheya. Zingaphezulu kunokuba unokucinga, kodwa siza kuchaza ezinye iingxaki kule misebenzi.
- Unako ulahlekelwe yinxalenye elungileyo yekapitali yakho ifumaneka kwisithuba esifutshane sexesha.
- Kuya kufuneka uyazi ukuba usebenza njani nala maxabiso, kungenjalo umngcipheko uya kunyuka ngokubonakalayo.
- Azinabuthathaka kuwe ukuba wenze igalelo elikhulu lemali ekusebenzeni, kodwa phantsi kweentshukumo ze imali encinci emali.
- Kwaye okokugqibela, oko phantse njalo balawulwa yimithetho yabo kwaye abayilandeli indlela yentengiso.