Amanothi webhizinisi: tshala imali ngokunenzuzo enkulu

Amanothi ezethembiso zebhizinisi noma ezinkampani angumkhiqizo wotshalo-mali ongajwayelekile ngomqondo wokuthi awubhalisiwe ezimakethe zezezimali. Kodwa-ke, le misebenzi ayihlanganisiwe yi Isikhwama Sesiqinisekiso Sediphozithi (FGD), njengoba kunjalo nangediphozi yethemu. Kuyingozi encane okufanele uyicabange lapho ucabanga ukuthi utshalomali ngoba esimweni esibi kakhulu ungalahlekelwa yimali oyabele le nyakazo ngaphakathi kwenkampani yalezi zici.

Kunoma ikuphi, bakhiqiza inzuzo evuthayo phakathi kuka-3% no-8%, kuya ngezinga lokuxazululwa kwabakhipha lo mkhiqizo wezezimali. Kunoma ikuphi, kuyisilinganiso senzalo esiphakeme kakhulu kunaleso esinikezwa yimikhiqizo etholakele yemali engenayo futhi nemikhiqizo yasebhange (ama-akhawunti wemali ephezulu, imali yesikhathi noma amabhondi ezinkampani). Lapho kungadluli khona amazinga we-1,5% futhi ezingagculisi izidingo zakho zokwenza imisebenzi ibe nenzuzo njengoba ufisa.

Amanothi ezinkampani ngomunye wemikhiqizo engaziwa kakhulu yemali engenayo yangasese. Hhayi ngoba bakude nezinhloso zabatshalizimali. Uma kungenjalo, kungani bengacabangi nge- isikhathi esinqunyiwe ekukhishweni kwabo ngoba bangaya emakethe nganoma yisiphi isikhathi futhi kuya ngezidingo zezimali zezinkampani. Ngokunjalo, abamukeli balezi ziphakamiso bathola imbuyiselo emalini ebolekiwe. Ziyizimpahla ezinembuyiselo ephelele ekhishwe ngesaphulelo.

Amanothi webhizinisi: ukuvuthwa

Ukuvuthwa kungokwesikhashana, kusuka ezinsukwini ezimbalwa nje futhi kufika ezinyangeni ezintathu cishe, izikhathi ezivame kakhulu zokuqashwa ziyizinyanga eziyisithupha, eziyishumi nambili kuze kufike ezinyangeni eziyi-16. Lokhu kusebenza kuzuzisa abafakizicelo abangakwazi ukuzivumelanisa nemibandela abayifisa kakhulu ngokuya ngesidingo sabo sokwempahla. Vele, yilawa magama ngqo enza amanothi wokuthembisa walezi zici abe yimikhiqizo eguquguqukayo yezidingo zakho zangempela zokutshala imali ngoba ungazivumelanisa nanoma yiluphi uhlobo lokuvuthwa ngokuya ngephrofayili oyivezayo njengomtshalizimali omncane naphakathi.

Kunoma ikuphi, kuyisimo esibucayi sokutshala imali kunezinye ngenxa yezici zayo ezikhethekile. Lapho ukuxazululwa kwezinkampani ezikhipha lo mkhiqizo wezezimali kudlala indima efanelekile ekwenzeni kwawo ngokusemthethweni. Phakathi kwezinye izizathu, ngoba uma bengenamali, imali etshaliwe izolahleka ngoba ayikho imali eqinisekisiwe.

Zimbozwe kuze kufike ku-100.000 euro

Njengoba kunjalo ngamadiphozithi etheimu lapho kufinyelela kuma-euro ayi-100.000 idiphozi nomnikazi ngamunye embozwe ngeSikhwama Sesiqinisekiso Sediphozithi. Ngalesi sizathu, kubaluleke kakhulu ukuhlaziya isimo sezezimali somhlinzeki wenothi lesethembiso ukuze ungamangali ngaphambi kokuba kufinyelele ekuvuthweni. Ngokuphambene nalokho, isiqinisekiso sayo esikhulu kunazo zonke silele ekuqinisekisweni kwe-solvency nokulingana kwabanikezeli bayo. Ngoba empeleni, awuzukukhetha ngaphandle kokubheka inkampani okhomba kuyo imali yakho ngoba kufanele inikeze i-solvency engaphezu kokufakazelwa ukuze ungabi nokumangala okungaphezu kokukodwa okungalungile kusukela manje.

Kudingeka inzuzo engaphezulu kwaleyo eyenziwe yi- izimali ezingenabo ubungozi. Inkinga enkulu ilele kakhulu ezinkampanini ezincane nezisemaphakathi kunokukhulu. Isizathu kungenxa yokuthi asikho isilinganiso esizimele ekuxazululeni imali yabo, njengoba kunjalo ngalabo abanemali enkulu kakhulu noma efakwe ohlwini njalo ezimakethe zamasheya. Ukugwema noma yiluphi uhlobo lwezehlakalo ngalo mkhiqizo wezezimali, kuzodingeka ukuthi udaba lwayo lubhaliswe neNational Securities Market Commission (CNMV). Uma kungenjalo, ngeke libe khona ikhambi ngaphandle kokungathembi njengesinyathelo esiyinhloko sokuvimbela.

Abakhipha amanothi ezethembiso

Ayikho iphrofayili echaziwe kuphrofayela ethulwa izinkampani ezikhipha amanothi wesethembiso. Imigqa yebhizinisi eliphansi kakhulu kungenzeka ingabi khona emabhange kulabo ababalwe enkombeni ekhethiwe yamasheya aseSpain, Ibex 35. Kuleli qembu lokugcina, yizinkampani zokwakha ngqo ezikhetha ukukhishwa kwalesi sigaba sezokuphepha. Ezinye zezinkampani ezibalulwe ezethule umkhiqizo walezi zici yi-ACS, i-Acciona, i-OHL noma i-Sacyr. Ngokubuya okuhlukile kuye ngokukhishwa kwabo, noma ngabe kuvela enkampanini efanayo.

Ngalesi sikhathi ungafika enkingeni mayelana nokuthi kungcono tshala imali kumasheya akho ngentengo yemakethe noma ngokuphambene ngenani okuvunyelwene ngalo nelinganiselwe ngaphambi kokuqasha. Ngamanye amagama, ukufinyelela ezikhundleni zalezi zinkampani, ayikwazi ukufinyelelwa kuphela ngemali engenayo eguquguqukayo, kepha futhi nangemali engenayo yangasese. Kodwa-ke, enye yezingcuphe zayo ezinkulu ilele ekutheni ukukhanselwa kwayo kusenesikhathi kuyadingeka ngoba ukuthengisa kufanele kwenziwe ngokusemthethweni emakethe yesibili. Ngokwempahla encane kakhulu, nangengozi yokulahlekelwa yingxenye yenhlokodolobha etshaliwe.

Inzuzo enikezwa yilo mkhiqizo

Mayelana nentshisekelo enikezwe yilawa manothi ezethembiso, akukho ukufana kuziphakamiso ezinikezwa izinkampani. Kepha ngokuhlukile, ukwanda kwenzuzo kuhambisana nobungozi obuthathwa ngumsebenzisi ngokubhalisile. Ngale ndlela, ukuphepha okunengozi enkulu kakhulu kungakhokha inzalo Cishe ku-8%. Ngenkathi uma lesi sici singekho, into ejwayelekile ukuthi iwela ebangeni elisuka ku-3% liye ku-5%.

Lo mehluko obanzi kakhulu, cishe ngamaphesenti ayisihlanu wamaphesenti, uqhamuke njengomphumela wentengo okufanele icatshangwe ngo-a ingozi eyengeziwe. Lapho ukuvezwa okukhulu kuzohambisana nenzalo ekhanga kakhulu yonyaka nokuthi akukho mkhiqizo wemali engenayo onikezwayo ngalesi sikhathi. Ngokwalo mbono ojwayelekile, impela ungathola izinhlobo eziningi zenzuzo ngoba akuwona umkhiqizo ofanayo, kude nawo. Uma kungenjalo, kunalokho, kuhamba ngomehluko obalulekile ngokwenzuzo etholwe ephepheni lokuhweba. Ukuba esinye sezikhuthazo ngesikhathi esiqondile sokuqasha kwakho.

Eminye imikhiqizo efanayo

Mayelana nenzuzo yayo, umkhiqizo wotshalo-mali ofana kakhulu nawo uyisabelo ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Hhayi ngenxa yesakhiwo sazo, kodwa ngoba zinenzuzo enkulu okwamanje ngoba bambalwa abangakunika u-8% njengo inzalo engaguquki futhi eqinisekisiwe minyaka yonke. Yize kulula ukuhlukanisa izici ezithile phakathi kwalezi zinhlobo ezimbili zokwenza izimali. Ngoba kuzabelo izingozi empeleni azikho futhi zisuselwa eqinisweni lokuthi amasheya afakwe kuhlu ezimakethe zezimali.

Esinye isici okufanele usicabangele phakathi kwale mikhiqizo emibili yezezimali yileso esibhekisa kwifomu le- balolonge izintengo zakho. Ngoba amasheya avezwa esinqumweni sezimakethe zezimali ngenkathi, ngokuphambene nalokho, amanothi enkampani alawulwa ngaphansi kwemingcele ehluke kakhulu eyinkimbinkimbi ngokuqonda kwakho okuphelele. Lapho ubungozi buhlala bucashile kakhulu futhi ezimweni kucishe kube ngokoqobo okungakuthinta ezimweni ezithile. Kodwa-ke, kuphephile ukusho ukuthi amanothi ezinkampani angenye yezinto ezingaziwa kakhulu embonini yokutshala imali. Akumangalisi ukuthi kungumkhiqizo wezezimali ongathandwa kakhulu kubatshalizimali abancane nabaphakathi.

Izinkampani ezingekho ohlwini

Ezinye izici ezinhle zamanothi ezinkampani ukuthi akudingeki ukuthi zikhishwe yizinkampani ezibalulwe ezimakethe zezimali. Yize lokhu kungumkhuba ojwayelekile, futhi nezinkampani eziningi ezethula lo mkhiqizo engafakwanga ohlwini. Ngoba okubaluleke kakhulu yisimo sangempela sama-akhawunti akho ebhizinisi. Lokhu kwenza inkampani ene-solvency encane ikunikeze imbuyiselo ephezulu kunokujwayelekile futhi okuphambene nalokho. Okusho ukuthi, ngokuvikeleka okukhulu, ikunikeza ngenzalo ephansi kakhulu engahluke neze kulokho imali engenayo ekunika yona okwamanje.

Uma ufuna ukwenza inkontileka yalolu hlobo lomkhiqizo, kuzofanele uye ebhange lakho elijwayelekile ukukwazisa mayelana nokuthi yiziphi izinkampani ezinenothi lesethembiso salezi zici ezazikhona ngaleso sikhathi. Kuzofanele ubone ukuthi yiziphi izici zabo futhi uhlole ukuthi ngabe kulula yini ukubaqasha. Ngakolunye uhlangothi, inenzuzo enkulu yokuthi ayikhiqizi amakhomishini futhi ayinazo nezindleko zokuphathwa noma ukunakekelwa kwayo. Kulesi simo, kuyiqiniso impela ukuthi ungonga imali ekwenzeni kwayo ngokusemthethweni maqondana neminye imikhiqizo ehloselwe ukutshalwa kwezimali. Ngaphandle kweminikelo engakunikeza yona kunoma iyiphi indawo yokubuka. Ngoba kungumkhiqizo ongahle ungawujwayeli ekusebenzeni kwawo.