5 amagugu okulala ngokuthula

amanani

Esinye sezifiso ezinkulu zabatshalizimali abancane nabaphakathi ukuthi babe nokutshalwa kwemali emakethe yamasheya engabakhathazi ngokweqile. Ukufeza lezi zinhloso kucace bha ukuthi akuwona wonke amanani omholo oguqukayo akhonzayo. Hhayi kancane. Kepha okuphambene nalokho, uhla oluncane lweziphakamiso ezihlangabezana nezimo ezichazwe kahle kakhulu futhi ezizovumela abagibeli ukuthi balale kangcono kusukela manje. Ngaphandle kokwesaba lokho kungathinta uhlelo lwabo lwezinzwa noma namandla abo angokomzwelo.

Lawa mavelu wonke angaphansi kwemikhakha evikela kakhulu. Lapho ukuphepha kudlula khona okunye ukucatshangelwa kobuchwepheshe noma okuyisisekelo. Ngokuvamile ngalokhu okuthiwa piggy yasebhange amagugu enzelwe ukudala isikhwama sokonga esizinzile sesikhathi esimaphakathi nesikhathi ikakhulukazi. Vele, akuzona iziphakamiso zemakethe yamasheya zokuceba ngokushesha, noma ngemisebenzi ethile. Kepha okuphambene nalokho, inhloso yayo ukuthi ukonga kukhula kancane kancane, ngendlela engaguquki negculisayo yezintshisekelo zabatshalizimali.

Ngale ndlela, kunjalo kwakha ukuhlunga okukodwa ifaneleke kakhulu ekulungiseleleni iphothifoliyo yezokuphepha. Sizokwazi vele ukuthi yiziphi izindinganiso ezingeke zikufanele ukwanelisa lesi sidingo. Manje kuzodingeka kuphela ukuthi sihlaziye ukuthi yiziphi izinkampani ezibalwe ohlwini ezingasisebenzisela ukwanelisa le njongo abanye babatshali bezimali ababambelele ezimakethe zezimali abanayo. Ngaphezu kwalokho, eziningi zalezi ezinye izindlela zihambisana nenkokhelo yemihlomulo etholwa abaninimasheya bayo minyaka yonke. Akumangalisi ukuthi kuyisu elithile elikhethekile lokwenza imali engaguquki ngaphakathi kokuguquguqukayo.

Amanani ebhange e-piggy: Iberdrola

iberdrola

Elinye lamagugu elinikezwa yilezi zidingo ngokungangabazeki libaluleke kangaka Inkampani kagesi ISpanishi. Ukufika ezingeni lokuthi kungenye yalezo ezinikeza ukuzinza okukhulu kuzintengo zayo. Kuyaqabukela ukuthi kukhiqize ukwehluka okungaphezu kokufanele phakathi kwenani laso eliphakeme nelincane. Vele, kuyindlela enhle yokulala ngokuthula kusukela manje kuqhubeke. Ngakolunye uhlangothi, iqiniswa inzuzo enhle kakhulu yezinzuzo zayo. Inikela ngenani lenzalo elicishe libe ngu-5%. Ilungiswa futhi iqinisekisiwe minyaka yonke ngezinkokhelo ezimbili ezingangonyaka. Njengesiqalo sokukhuthaza isikhwama sokonga esizinzile eminyakeni embalwa ezayo, futhi noma ngabe kwenzeka kanjani ezimakethe zezezimali.

Ngaphezu kwalokho, kulokhu sikhuluma ngenye yamashipsi aluhlaza emakethe yesitoko saseSpain. Hhayi ukuphepha okuncane noma okuphakathi nendawo okungadala izinkinga zamanani ezeqile. Kepha ngokuphambene nalokho, ngesinye seziphakamiso ezifanele kakhulu zamasheya kazwelonke. Ngezinga lokuthi liyinkampani ngofeleba abakhulu ezihlokweni zabo. Lapho imisebenzi eminingi ihamba nsuku zonke, kokubili ngabathengi nabathengisi. Kunoma ikuphi, esinye sezilinganiso zabalamuli ababaluleke kakhulu bezezimali.

I-Inditex: ngaphansi kokuthembeka komkhiqizo

inditex

Isiqinisekiso salo mkhiqizo sakha isinqumo esihle kakhulu sokukhetha inani eliphephile. Njalo ngonyaka uthola izimbuyiselo ezintsha zokonga. Ngemiphumela yebhizinisi eyeqiwa ngekota ngekota futhi ekhiqiza ukuthi abatshalizimali banephothifoliyo yezokuphepha enenani elikhulu kunakuqala. Futhi ngalesi siphakamiso semakethe yamasheya ungalala ngendlela egculisayo. Ngoba igama elithi simo esishubile libonakala lingekho kusichazamazwi sakho. Esikhundleni salokho, isebenza ngaphansi kwemihlahlandlela ehleleke kakhulu evumela abatshalizimali bayo ukuthi bahambe ukudala isikhwama sokonga esiqhubekayo. Hhayi ngaphandle kokusikeka okunengqondo okwenzeka ngamanani abo. Ezikhathini eziningi ukuthatha amandla amasha futhi uqhubeke phambili ezinhlosweni zawo ezimakethe zezimali.

Kungokunye kwamagugu okusabalalisa izinzuzo, noma kungenjalo ngokuheha kwamanye amanani ayigugu ngokwengeziwe kulesi sici somholo kubaninimasheya. Akumangalisi ukuthi inikeza ukubuyiselwa kokulondoloziwe okungukuthi emazingeni ama-3%. Akuphakeme kakhulu uma kuqhathaniswa nezinye izinkampani kunkomba ekhethiwe yemakethe yamasheya yaseSpain. Ihhuku layo eliyinhloko lilele kulayini webhizinisi ozinzile futhi oqhubeka ngokushesha. Futhi lokho kuholele kubatshalizimali abaningi nabancane abaphakathi nabathembele kwesinye sezokuphepha esinenzuzo enkulu ezimakethe zezezimali zomhlaba wonke.

I-Ebro, nesiqinisekiso sokudla

Akungabazeki ukuthi umkhakha wokudla ungenye yezindawo ezilungele ukulala kahle ubusuku ngabunye. Akumangalisi ukuthi kulesi sigaba semikhiqizo ayikho inkinga efanelekile. Kuyisidingo kubo bonke abantu. Kungenxa yalesi sizathu ukuthi i- ulayini webhizinisi ohlale uzinzile. Kuze kube seqophelweni lokuthi ingxenye enhle yabatshalizimali abavikela kakhulu bakhetha izihloko zabo ukudala isikhwama sokonga esingazinzile. Ikakhulukazi ukuhlala ibanga elide. Ngoba ibuye inikeze ukusimama kwentengo ebanzi.

I-Ebro, ngakolunye uhlangothi, ivumela ukuthi utshalomali lwenziwe noma ezimeni ezingezinhle neze ezimakethe zezimali. Ukusuka kuleli phuzu lokubuka, lingasetshenziswa ukuvikela izikhundla kunoma yisiphi isimo nomzuzu othile. Ngokuphambene nalokho, inenkinga enkulu yokuthi osonhlamvukazi bayo bebelokhu behla eminyakeni edlule. Kuze kufinyelele ubuncane njengomphumela wabo izinguquko kubaninimasheya. Kodwa-ke, kungezinye zezindinganiso ezihleliwe zokufaka iphothifoliyo yokutshala imali egcinayo noma evikelayo. Vele ngeke kudumaze muntu.

IBanco Santander naphezu kwakho konke

Yize kungowomkhakha osebenzayo futhi okwaxoxwa ngawo eminyakeni yamuva njengokubhanga, isiphakamiso esinjengalesi asinakulibaleka ukukhuthaza i isikhwama sokonga esingaphansi noma esitebeleni. Ngoba impela, ukubheja okuphumelele kakhulu uma isikhathi sokuhlala isikhathi eside. Kulezi zikhathi kuvame ukugcina ukuzinza okuhle kakhulu, njengomphumela wamandla amelwe elinye lamaqembu ezezimali anamandla kakhulu emhlabeni. Ukuba ngowokuqala endaweni kazwelonke, ngemuva kokuthola ingxenye enhle yomncintiswano. Esinye sezibonelo zakamuva simelwe yiBanco Popular.

Ngakolunye uhlangothi, inikela abaninimasheya bayo isabelo, okuthi ngaphandle kokuba esinye sezikhangiso zaseSpain, sigcine imali engenayo engaguquki minyaka yonke kubanikazi bamasheya ayo. Nge ukubuya okulinganiselwa ku-3% futhi ngemuva kokuyinciphisa kakhulu eminyakeni yamuva. Kungesinye isizathu sokuba nayo kuphothifoliyo yakho ngaphandle kokukhathazeka okuningi iminyaka embalwa unomphela. Ngaphezu kwalokho, amathemba okukhula kwayo eminyakeni ezayo aphezulu kakhulu.

I-Ferrovial, enobungozi obuncane

ujantshi

Leli nani lomkhakha wezokwakha liyipasipoti yokuthuthukisa okuzuzayo emakethe yamasheya, yize kuthatha ingozi ethe xaxa ekusebenzeni. Kunoma ikuphi, kungenye yamagugu wale ngxenye yebhizinisi enikeza ukuphepha okukhulu ngokunikela nge ulayini webhizinisi ohlukahlukene kakhulu ukwedlula kwezinye izinkampani zokwakha. Leli qiniso livikela intengo yakho emaconsi amakhulu. Ukuthi ifaka ukwesekwa ukuze ikwazi ukuthuthukisa ukulahleka okukhulu ezimakethe zezezimali. Lokhu kungenye yeminikelo okushiwo ukuthi kwenziwa ngamasheya amasheya ayo.

Ngaphezu kwalokho, iphinde inikeze izabelo kubatshalizimali. Akuzuzisi ngokweqile, kepha kwanele ukufaka ukuphepha okwengeziwe phakathi kwalaba bantu. Ngakolunye uhlangothi, enye yezinzuzo zayo ezifanele kakhulu ukuthi ukuguquguquka kwentengo akuyona enye yezimpawu zayo ezibonakala kakhulu. Kepha kunalokho, igcina ukulawula okuthile ngaphezulu kwabo, nangaphezulu kwabo bonke abanye abancintisana nabo kulo mkhakha wemakethe yamasheya. Kuyinzuzo ecacile kubatshalizimali abancane nabaphakathi abafisa ukuthatha izinyathelo ezithile zokuqapha ezikhundleni zabo ezimakethe zezimali.

Ngala magugu amahlanu esiwaphakamisile, ngeke ube nokuphepha okuphelele mayelana nomphumela wokugcina wokutshalwa kwezimali. Kepha okungenani bazokusiza ulale kangcono kancane futhi ungathuki kakhulu ngenxa ye- ukungazinzi okuncane ngamanani abo. Kuzoba yinto okufanele uyicabangele kusukela manje kuqhubeke uma ufuna ukuba nephothifoliyo elinganiselayo nephephile yezibambiso kunamanje. Ngokwengeza ukuthi uzoba nemali ethize yezabelo ezisatshalaliswa yilezi ziphakamiso zemakethe yamasheya. Kuze kube seqophelweni lokuthi zingasetshenziselwa ukwenza isikhwama sokonga esihloselwe isikhathi saphakade esifunwa nguwe uqobo.

Kungabaluleka futhi kakhulu uma bengakwazi ukwehlukanisa la mabhethri emakethe yamasheya, esikhundleni sokukhetha eyodwa yazo. Kuzoba isu elihle kakhulu ukuvikela ukonga ekungeneni kokungazinzi kwezimakethe zezimali. Inani elengeziwe, ngamafuphi, lezikhundla ezonga kakhulu zabatshalizimali abancane nabaphakathi. Kuzoba ngesinye sezifundo ongazingenisa kusuka kule midlalo eqondisiwe ukuze ukwazi ukuzola kusukela manje kuqhubeke.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

*

*

  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.