5 amanani wokuthula ngo-2020

Enye yezinhloso eziyinhloko zabatshalizimali abathengisayo ukuthi kube nokuzola phakathi konyaka we-2020 futhi bangatholi ukwethuka okungabaphazamisa. Yebo, ukwanelisa lesi sifiso, isisombululo esihle kakhulu sizoba nokukhetha okufanelekile kwamanani amahle kakhulu emakethe yamasheya aseSpain. Labo abangahlakulela isimilo esingcono, kepha ngaphezulu kwabo bonke abakhululiwe ukungezwani ezingeni lakho lomnikelo. Ukuze ngale ndlela, bakwazi ukulala ngokuthula kulezi zinyanga ezisele.

Vele, ngeke kube lula ukuthola amasheya anikezela lezi zici ezikhethekile. Kepha okungenani uhlu oluncane lungenziwa ngeziphakamiso ezisikisela kakhulu zokutshala imali esiyongele iziqinisekiso ezinkulu zempumelelo. Kepha ngaphezu kwakho konke kude nokuntengantenga izinkampani ezithile ezisohlwini ezinakho okungabafanele abathengisi abaningi abangafuni ukwesatshiswa okuningi kusuka manje kuqhubeke. Futhi lokho kungenxa yazo zonke izifiso zakhe azifisa kakhulu kule nkambo entsha.

Ukuze izidingo zakho kuhlangatshezwane nazo, akukho okungcono kunokukhethwa kokunye ukuphepha okungafeza le misebenzi ekhethekile. Kwezinye izimo zizoba iziphakamiso ezingeke zikumangaze nakancane, kepha-ke kokunye zingamangala kubasebenzisi ezimakethe zamasheya. Ngoba akukona ngokukhetha okuhle kakhulu amanani wokuzivikelaUma kungenjalo, ngokuphambene nalokho, umqondo ukubheka okuncane okuzibophezele ukutshala imali. Yize zombili lezi zinto ezibalulekile zingahlangana lapho kulungiswa lolu hlu lwezinkampani ezibalwe.

Ama-ACS anokuqina okukhulu

Leli yinani esingachitha ngalo lo nyaka wokuhweba ngokuzola okukhulu. Ukuthi isimo sayo esishubile singezinye eziphansi kakhulu ezimakethe eziqhubekayo zikazwelonke futhi lokhu kuyisici esingakusiza ekuzuzeni wena. Ngoba inokusekelwa okuqinile futhi okuzinzile okuzungeze ama-euro angama-31 ngesabelo ngasinye futhi inqobo nje uma kungeqi kulawa mazinga, ungazola kakhulu ezikhundleni zakho ezinyangeni ezizayo. Akumangalisi ukuthi ingenye yezinkampani zokwakha eziphephe kakhudlwana ukuba nayo kwiphothifoliyo yayo kusukela manje kuqhubeke. Futhi lokho futhi kunenzuzo enenzuzo enkulu, ngenani lenzalo lokho round 6% ngokukhokha okungaguquguquki futhi okuqinisekisiwe njalo ngonyaka.

Ngenkathi ngakolunye uhlangothi, lesi sici asisho ukuthi amandla ayo wokubuyekeza akhanga kakhulu ngentengo ebekiwe esethwe kakhulu eduze kwamazinga kuma-euro angama-41 noma angama-42 ngesabelo ngasinye. Lokho wukuthi, kusenendlela eya phezulu ongayisebenzisa ukwengeza ibhalansi kwi-akhawunti yakho yokonga, okungukuthi, ngemuva kwakho konke, okubandakanyekile kulawa macala. Ngoba empeleni, awukwazi ukukhohlwa ukuthi umugqa wakho webhizinisi uhamba ngokuzinza okukhulu futhi lokhu kungenye into eyengeziwe engakusiza ukuba wehlise umoya kulezi zinyanga eziyishumi nambili ngakho-ke ukude kwezinye izinqubo ezinganconyelwa kakhulu izintshisekelo zakho njengezincane kanye nomtshali-zimali osemaphakathi. Ngeziqinisekiso ezinkulu zempumelelo futhi lokho ngemuva kwakho konke obukufuna kusukela manje.

Enagás, unganqobi noma wehlulwe

Leli nani lomkhakha wamandla liyiqiniso ukuthi alinawo amandla amaningi okubuyekeza. Kepha ngakolunye uhlangothi, ayinamathuba amakhulu wokwehlisa inani ekucushweni kwamanani ayo. Ngenxa yalezi zici, akungabazeki ukuthi yindawo enhle kakhulu yokonga imali kusukela manje kuqhubeke. Hhayi ize, izobe iphephe kakhulu futhi ngenzuzo eyengeziwe ukuthi isabalalisa enye yezinzuzo ezinhle kakhulu zezokuphepha ezakha i-Ibex 35. Ngenani lenzalo elidlula okwamanje Izinga le-7%, ezinkampanini eziphakeme kakhulu futhi lokho kungaba esinye isizathu sokwenza ukuthenga kube semthethweni.

Ngakolunye uhlangothi, le nkampani ingeminye yemikhakha esebenza njengesiphephelo lapho kunezimo ezingezinhle neze ezimakethe zezimali. Futhi ngalo mqondo, kungasisiza ukukwenza zivikele ekungazinzileni okukhulu kakhulu kulesi sigaba sezimpahla zezimali. Ngakho-ke, singaqiniseka kakhulu uma sithenga okuthile ngaleli nani lesikhwama. Ngakolunye uhlangothi, inemali enkulu futhi le nto izuzisa abatshalizimali abancane nabaphakathi ukungena noma ukuphuma ezimakethe zezezimali ngesikhathi abasifunayo. Njengezinye izinkampani ezihlanganisiwe kulokhu noma imikhakha enezici ezifanayo.

IMapfre enama-oscillations ambalwa

Inkampani yomshwalense oyisithenjwa ingenye indlela uma sifuna ukuzola ezimakethe zezimali. Amanani abo ezinyangeni ezisanda kwedlula ahambile ebhendini elincane kakhulu okungukuthi phakathi kwama-2,20 nama-2,70 euros ngesabelo ngasinye. Ngomugqa webhizinisi osungulwe ngokucacile futhi owandayo ngemuva kokwenza imisebenzi ethile efanelekile yebhizinisi. Ngaphakathi kwalo mongo, akumangazi ukuthi kukhethwe inani elikhulu labatshalizimali abanephrofayili elondolozayo noma evikelayo, ngaphezu kwakho konke, abafisa ukulondoloza ukonga kwabo ngaphezulu kokunye ukucabanga okunolaka.

Ngaphezu kwalokho, futhi njengakwezinye izibambiso esiphakamisa ukuthi zizole emakethe yamasheya aseSpain, ihambisa inzuzo ekhangayo kakhulu kubaninimasheya. Ngenzalo esondele kakhulu ku-7%, ngokukhokhiswa nge-akhawunti ye-0,16 euro njalo ngonyaka ngendlela ehleliwe futhi eqinisekisiwe, noma yini eyenzekayo ezimakethe zezezimali. Futhi ngomugqa webhizinisi obonakala ngokuzinza kwawo okukhulu futhi lesi ngesinye sezizathu zokuthi kungani singalala kangcono ngokufakwa kwaleli nani kuphothifoliyo yethu elandelayo yokutshala imali. Akumangalisi ukuthi kungenye yalabo abakhethwe ngabatshalizimali ngokusika okuvikelekile.

UFerrovial yinkampani yokwakha ephephe kunazo zonke

Ngaphakathi kwalo mkhakha obalulekile lokhu kungenye ye- ukubheja okulingene kakhudlwana nokuthi bangafeza le njongo yakho. Kuphi,  UFerrovial, osebenza kwingqalasizinda yomhlaba, uzuze imiphumela ephelele ye--2019 million euro ezinyangeni eziyisishiyagalolunye zokuqala zika-104, uma kuqhathaniswa nama-euro ayizigidi ezingama-59 ngonyaka owedlule. I-RBE imi kuma-euro ayizigidi ezingama-33. Le miphumela ithonywe ushintsho ebangeni lokuhlukaniswa kophiko lwezinsizakalo ngokuthi "lubanjelwe ukuthengiswa" nangomthelela wokuhlinzekwa kwezokwakha okwenziwe kwikota yokuqala.

Le miphumela izibophezele ekuqiniseni izimali kanye nasemakethe yamasheya ezinyangeni ezizayo. Futhi-ke ingena kuphrofayili yakho njengomtshali-zimali, ngaphandle kokulahla noma iyiphi inzuzo kulezi zinyanga ngoba kungaba inketho yokuthuthukisa imali etshalwe ngalesi sikhathi. Ngenani lapho kungekho ukwehla okukhulu kwamanani alo, kungabi ngomqondo owodwa noma kokunye, futhi lokhu kufanelana kahle ezifisweni zokwenza utshalomali lube semthethweni ngalesi sikhathi. Okungaphezulu kakhulu lapho amasheya alezi zici ezikhethekile ayindlala futhi lokhu ngokuqinisekile kungenye yazo. Ngokwabiwa kwesahlulelo esikhangayo ukudala isikhwama sokonga esingacishe sizinze esikhathini esimaphakathi nesikhathi ikakhulukazi.

Naphezu kwakho konke, uSantander

Lesi sinqumo singamangaza ingxenye enhle yabatshalizimali abancane nabaphakathi. Kodwa iqiniso ukuthi iBanco Santander ingesinye sezivikelo eziphephe kakhulu lapho singabeka khona imali yethu. Ngalo mqondo, futhi maqondana nemibono yeBanco Santander, its ubukhona obulinganiselayo phakathi kwezimakethe ezivuthiwe nezisakhasayo kuyaqhubeka nokuba ngenye yamandla amakhulu kaSantander. Kepha ngukuthi okwamanje amasheya ayo acashunwe ngamanani ancintisana kakhulu futhi akhuthaza ukuthenga okukhethiwe kusuka manje. Ukuhamba emazingeni asukela ku-3,30 kuye ku-3,80 euros ngesabelo ngasinye.

Ngalezi zintengo, ubungozi ekusebenzeni buphansi kunezinye izibambiso ezimakethe zezimali. Phakathi kwezinye izizathu ngoba amandla ayo wokubuyekeza aphakeme kakhulu, futhi ikakhulukazi uma eqhathaniswa namanye amanani wemali kazwelonke. Iphinde inikeze izabelo nge inzuzo isondele ku-6% futhi kuyisu lokutshala imali elincike ekwakheni iphothifoliyo yemali engenayo engaguquki kokuguqukayo. Ngakolunye uhlangothi, ilusizo kakhulu ekubhekaneni nokunyakaza okungathandeki kakhulu emakethe yamasheya. Kulo mongo, kuyinani elingaphezulu lokuthenga kunokuthengisa okwamanje.

Njengoba ubonile, ngeke ushode ngeziphakamiso zokwanelisa lezi zifiso zakho futhi yize i-2020 ngeke kube unyaka olula ukwenza imisebenzi ezimakethe zezimali. Hhayi kancane. Ngoba kukhona okumangazayo okuncane nokungajabulisi okuzokulinda kulezi zinyanga, esivivinyweni esizobonakala ngokuwohloka komnotho okufike emazweni ase-euro zone.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.