6 amanani azokwenza abantu bakhulume kulo nyaka

Onyakeni omusha, ukukhohlisa kwabatshalizimali abancane nabaphakathi kuyavela futhi. Ngokufisa kwabo ukuthi lo nyaka ubasekele kakhulu izintshisekelo zabo futhi ngale ndlela bangawuqeda ngokuzuza kwemali enkulu esitatimendeni sabo semali engenayo. Vele, lo msebenzi ngeke ube lula, kepha banochungechunge lwezindinganiso abangazenza kahle kakhulu kusukela manje kuqhubeke. Ngazo zonke izinto ezivuna yona futhi lapho okuwukuphela kwento engekho ukuthi izingqinamba zayo ezimakethe zezimali ivunyelwe ekupheleni konyaka. Okungenani ukugcina amathemba okuthi lo kungaba unyaka omuhle wemakethe yamasheya yaseSpain.

Phakathi kwamagugu azonikeza abantu ukukhuluma kulo nyaka kukhona ama-typologies wokuthanda kwabo bonke abatshalizimali namaphrofayili. Kusukela kulabo abagcina isici sobuchwepheshe esingenakuphikiswa kwabanye esiye sehliswa ngokweqile onyakeni odlule. Ngaphandle kokukhohlwa ukuthi kuhlale kunokumangala kwesinye isikhathi okungahlaziywa ngaphezulu kwe-20%. Sizozama ukukunikeza ezinye zezihluthulelo zokuthola lawa manani kuzilinganiso zezwe. Ngesifiso sokunemba ezibikezelweni esizokunikeza ngezansi.

Kunoma ikuphi, ngeke kube umsebenzi olula kakhulu njengoba i-Ibex 35 iqala ukusuka ezingeni eliseduze kakhulu ne- Amaphuzu we-10.000, okufinyelelwe kakhulu ngo-2019. Futhi kunokungabaza okukhulu ukuthi le micini izokweqiwa ekucushweni kwamanani ezinyangeni eziyishumi nambili ezizayo. Ikakhulu ngoba kunamafu abucayi emnothweni emhlabeni wonke futhi lokho kungaholela ezitokisini ezihlushwa yilesi simo. Kepha okuphathelene nokuphela kosuku ukuthatha izikhundla ngamanani esitoko abanye abangenza kangcono kule nkathi esinayo phambili. Lapho, ngaphandle kokungabaza, kuzovela amathuba ebhizinisi angempela okumele atholakale kulolu lwazi.

Telefónica: okubi kakhulu sekuphelile

Esinye sezizathu zokukhetha leli nani kungenxa yokuthi ukwehlukaniswa ngezinketho kuyindlela enhle emkhakheni ohlushwa yi ukuncintisana okuphezulu ngamanani futhi lokho kuveza izidingo zokutshala imali eziphakeme kanye namashidi wokulinganisela ngezinga elibalulekile lokuphakama.
Kusukela manje kuqhubeke, okusasele kuye ukuthi alulame ekuweni okwenziwe eminyakeni edlule futhi okumehlise kuma-euro ayisithupha ngesabelo ngasinye. Izinga eliphansi kunawo wonke elihlangabezane nawo selokhu laphumela obala. Ngaphandle kokuthi ithathe isinqumo sokugcina inani lenzalo kusabelo sayo, isivuno esimaphakathi nesonyaka sisondele ku-6%. Ngalo mqondo, akukho okushintshile kokuncane ngokukhokhwa kwama-euro angu-0,40 minyaka yonke. Ezingeni eliphakeme kakhulu okwamanje elihlinzekwa yinkomba ekhethiwe yezimali zaseSpain. Ukusuka kuleli phuzu ungazola uma kwenzeka uvula izikhundla kuleli nani kusukela manje kuqhubeke. Ngoba izingozi azikho ngokweqile kunoma yimaphi amasu athathiwe-

I-Santander: ushintsho kumkhuba

Elinye inani elingenza kangcono ukwedlula konke yileli njengoba linikeza izilinganiso zenzuzo ezilungile kakhulu maqondana nemigqa yebhizinisi layo. Ngoba konke kubonakala kukhombisa ukuthi okubi kakhulu sekwenzekile kwelinye lamabhange abaluleke kakhulu ezwekazini elidala. Nokuthi kusukela kulo nyaka ukwabiwa kwesahlukaniso sayo kuzothuthuka nokuthi kungasho ukuthi abatshalizimali bathatha izikhundla kule nkampani kusuka manje. Ngenhloso ebekwe emazingeni asondele kakhulu kuma-euro ama-5 kusabelo ngasinye. Ngakho-ke, inamandla okubuyekeza okusondele kuma-20% futhi engenza ngcono ukusebenza kwemakethe yamasheya kunoma yiluphi uhlobo lwamasu okutshala imali.

I-Acerinox uma kukhona ukukhula

Umakhi wensimbi waseSpain ungenye yezindinganiso okufanele uzicabangele uma ukukhula komnotho kulo nyaka kungcono kunalokho obekulindelekile. Kuze kube seqophelweni lokuthi ikwazi ukukhiqiza amandla aphezulu aphezulu angathatha izinyathelo zawo ibheke emazingeni angama-euro angama-11. Ngenkathi ngakolunye uhlangothi, kufanele kugcizelelwe ukuthi njengoba kuyindlela yokuphepha ejikelezayo, amandla ayo wokubuyekeza makhulu kunezinye ezimweni zokukhula komnotho. Lokho ukuthi, ngamandla wokubuyekeza aphakeme kakhulu nokuthi ingafinyelela amadijithi aphindwe kabili ekukhulisweni kwayo ekuguqukeni kwamanani ayo. Ngokukhiqizwa kwesahlukaniso okwamanje esiseduze no-5% ngokukhokha okungaguquki nokuqinisekisiwe minyaka yonke.

I-Bankia ivame ukukhuphuka

Leli ngelinye lamabhange ukuthi kusukela manje kuya phambili lenza kangcono ngenxa yokuthi selike lawa kakhulu ngonyaka odlule. Ngokwehla kwamanani entengo angaphezu kuka-30% futhi lokho sekuholele ekutheni ingxenye enkulu yabatshalizimali abancane nabaphakathi balahle izikhundla zabo ezinyangeni ezedlule. Kepha, noma kunjalo, kungashiwo ukuthi konke kubonakala kukhombisa ukuthi isimo esibi kakhulu sedlulile. Futhi ngalo mqondo, okuwukuphela kwento esele ukuhlala indlela yokunyuka kwezimakethe zezimali. Ngokusetha umgomo, okungenani ama-euro ama-3 ngesabelo ngasinye futhi lokho kungafinyelelwa ngokuphelele kwikota yokuqala yonyaka. Akumangalisi ukuthi kulezi zinsuku zakamuva kube nomthamo omkhulu wokuqashwa.

Kungaba unyaka we-Ence

Ngemuva kokwehla ngo-2019 cishe ngama-35%, izinto zingashintsha kusukela manje kuqhubeke. Lokhu kuboniswa ngabahlaziyi ababaluleke kakhulu ezimakethe zezimali ezikhuthaza abatshalizimali ukuthi bathathe izikhundla ezinyangeni ezizayo. Ngoba ingaba nesikhathi samanje esibheke phezulu ngalesi sikhathi futhi kufanele ubekwe enanini noma usuqhamuke nesu elinamandla lokutshala imali kunakwamanye amacala. Kusuka lapho ukonga kungenziwa kuzuze ngendlela ephumelela kakhulu yezintshisekelo zabatshalizimali abancane nabaphakathi. Yize kunjalo kunoma yikuphi ukucabanga kochungechunge lwezingozi ezingekho kwamanye amanani wenani lenkomba ekhethiwe yemali yethu engenayo eguquguqukayo.

Kungukuphepha okukhona okuguquguqukayo okukhonjisiwe eminyakeni emibili edlule futhi okungadlala ngobuqili. Kodwa ngokuphambene nalokho, uthambekele kakhulu ukuze ukwazi ukuthola izinzuzo ngaphezu kwamanye amanani akha inkomba ekhethiwe yezimali ezweni lethu, i-Ibex 35. Inqobo nje uma ucabanga lokhu okukhethekile, kungamela ithuba lokuthenga langempela ukwenza umsebenzi wokuthenga okhethiwe ekuqaleni kwalo nyaka wamanje. Yize kuyiqiniso, isikhathi sabo sokuhlala unomphela akufanele sibe siphezulu kakhulu, futhi, ngokuphambene nalokho, thengisa amasheya abo uma usuthole imiphumela ehambisana nokulindelwe utshalomali lwakho. Ukuba omunye wokhiye wempumelelo, yiba khona esitatimendeni sakho semali engenayo kulo nyaka esisanda kuqala emasontweni ambalwa edlule.

ILiberbank enegebe le-bullish

Ngaphandle kokuthi intengo yalesi sikhungo sezezikweletu njengamanje ivuselela inqubo yaso yokulungisa yesikhashana ngemuva kokwenza ukwesekwa. Esikhathini esimaphakathi nesikhathi eside ingahlangabezana nokulindelwe ngabatshalizimali abathengisa. Ngezinjongo ezisemazingeni asondele kakhulu kuma-euro angu-0,30 kusabelo ngasinye. Ukuba ngesinye sezokuphepha isikhathi eside kuseqenjini lalabo abahweba ngaphansi kweyunithi ye-euro.

Ngakolunye uhlangothi, Umhlangano Wabaninimasheya Jikelele owabanjwa nyakenye futhi maqondana nenqubomgomo yawo enezabelo, ufinyelele esivumelwaneni esilandelayo: «ngokubhekisisa umphumela we-Akhawunti Yenzuzo Nokulahlekelwa yonyaka wezimali ovaliwe, ngenzuzo Ama-euro ayizigidi ezingama-110.018, yenza isicelo esilandelayo lapho:
Imali etholakalayo: 72.933
Izabelo: 22.004
Imali engenayo yeBhange ngo-2018: 94.937
Isabelo esizosatshalaliswa sihambisana nokukhokhwa okungama-20% wemiphumela ehlanganisiwe yeLiberbank Group (110.018 euro) ”. Ngokuhambisana nesivumelwano esishiwo ngenhla maqondana nokwabiwa kwesahlukaniso esikhokhiswe le miphumela, ukukhokhwa kwama-euro ayizigidi ezingama-0,007239 ngesabelo ngasinye.

Amathuba okubamba

Kunoma ikuphi, lezi ezinye zezinketho ezimbalwa lapho abatshalizimali abancane nabaphakathi kumele benze ukonga kwabo kube nenzuzo onyakeni obonakala uyinkimbinkimbi ezimakethe zezimali zezwe lethu. Lapho, kunoma ikuphi, ngeke kube khona okunye abangakwenza ngaphandle kokwenza ngokuqapha okukhulu futhi ngaphezu kwakho konke ukukhetha lapho kuthengwa izibambiso ezimakethe zezimali. Ngemisebenzi okumele ibe mfushane kakhulu ngokwesilinganiso sobude besikhathi ukuze kulondolozwe imali etholakalayo ngaphezulu kolunye uchungechunge lwezinto ezibhekwayo. Lapho, ngaphandle kokungabaza, amathuba ebhizinisi azovela futhi, njengoba kwenzekile eminyakeni eyedlule. Osekusele ukukhetha amafa ezimali ephothifoliyo yethu elandelayo yokutshala imali kahle kakhulu.


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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.