Ayini amanani ama-chips aluhlaza emakethe yamasheya aseSpain?

Imvamisa uzothola imininingwane ekhuluma ngamachips aluhlaza ngezimali zaseSpain. Kepha ungahle ungazi ukuthi angobani amalungu ayo, noma okungenani ungabaza ubunikazi bamanye awo. Kufanele wazi ukuthi ayini lawa maxabiso uma ufuna ukuba nombono ocacile wemakethe yamasheya ukuthuthukisa utshalomali lwakho kule makethe yamasheya ngempumelelo enkulu. Ukuze uqalise, angamanani amelwe kakhulu enkomba yalo eyinhloko, i-Ibex-35, futhi lokho kuthathwa ukuxhumanisa izikhundla zabaphathi bezikhwama ezinkulu.

Lapho kukhulunywa ngaleli gama, izinkampani eziyinhloko emnothweni waseSpain ziyabizwa. Okungukuthi, uku IBanco Santander, i-BBVA, i-Iberdrola, iTelefonica neRepsol. Phakathi kwazo zonke, zihambisa iningi lezokuphepha kuzo zonke izikhathi zokuhweba, zisebenzisa imali eyodwa kuphela, hhayi kuphela kubatshalizimali abakhulu, kepha futhi nakwabasindisi abancane nabaphakathi. Ukuvela kwayo kuthinta ngqo i-Ibex-35, futhi kokubili ukuhlaziywa kwayo nokwehla kwayo kuncike ekuguqukeni kwalawa magugu. Kulula kanjalo, uma ufuna ukusondela eqinisweni lale makethe yezezimali.

Cishe akunakwenzeka ukuthi inkomba kazwelonke inyuke ngaphandle komnikelo walezi zinkampani, futhi ngenxa yesizathu esifanayo, ukwehlisa. Isimo sazo siphezulu kakhulu, futhi ngaphandle kokungabaza, yikhona okuzonquma ukuvela kwemakethe yamasheya yaseSpain minyaka yonke. Kuze kube wonkana, amele ngaphezu kuka-80% wokushintshaniswa kwezokuphepha ezimakethe zezimali zikazwelonke. Njengoba kungabonakala kunoma yisiphi iseshini yokuhweba, kokubili kumjikelezo we-bullish, we-bearish noma we-lateral. Ngaphezu kwalokho, kusebenza njengendawo yokubhekiswa kwezinye izimakethe zomhlaba jikelele, ikakhulukazi ezaseYurophu.

Kufike ezingeni lokuthi bakuthonye ukuthi ubhenele kulezi zinkampani njalo lapho ufuna ukuzibeka ezimakethe zezimali. Zikunikeza ukuzethemba okwengeziwe, iqiniso, futhi lokho kuguqulela ekubeni elinye lamanani anenkontileka kakhulu ngabasindisi baseSpain. Kuwo wonke amaphrofayili, kusuka kulabo abafisa ukonga imali yabo, ngaphandle kwezingcuphe ezeqile, kuya kwabanye inhloso yabo kuphela ukuthola inzuzo enkulu kakhulu yemali.

Kuyaqabukela bakunikeze izimo zokuguquguquka okukhulu, ngaphandle uma imikhakha yabo ihlangabezana nezinkinga zesikhashana (njengoba kwenzeka muva nje nenkampani kawoyela iRepsol). Kepha akuyona into ejwayelekile ukuthi ekuvivinyweni okukodwa kuqukethe ukulahleka okukhulu kakhulu. Akumangalisi ukuthi amaqembu okutshala izimali ezikhungweni ajwayele ukuzibeka ngokuvama okuthile kuleli qembu lezinkampani ezikhetha kakhulu.

Ukuqinisekisa ngokuqinisekile lo mkhuba, Kumele uhlole ukuthi bangaki abangane bakho nomndeni wakho abanamanye amanani abo kuphothifoliyo yabo yokutshala imali. Kungakhathalekile ukuthi iphrofayili iyiveza kanjani, ngisho neminikelo eyenziwe ekusebenzeni kwayo ngakunye. Isimo saso phakathi kwama-savers siphezulu, futhi kunoma yikuphi, ngaphezu kwamanye amanani.

Banquma ukuvela kwe-Ibex-35

Manje yisikhathi sokukhomba amalungu ale kilabhu encane ekhethiwe yezimali zamazwe. Ukuthula, ngoba aziziningi futhi zehliselwe emikhakheni ethile, enesisindo esithile ekuveleni kwezimakethe zezimali zikazwelonke. Izinkampani ezisezingeni eliphakeme ezihambisa izigidi zama-euro ekusebenzeni kwazo kwansuku zonke. Futhi kulabo abathembele, ezingeni eliphakeme kakhulu, umnotho waseSpain.

Uzwile ezinye zalezi zinkampani, njengoba zikhona kuyo yonke imithombo yezindaba ekhethekile. Kepha, ngakolunye uhlangothi, ungahle ungazi ukuthi ngobani amalungu ale kilabhu ekhethiwe yomnotho waseSpain. Impela ubeke imali oyilondolozile, ngaphezu kokukodwa, kuleli qembu lezinkampani ezibalwe ohlwini, uma wazi ukuthi zingama-chip blue. Vele, kwesinye isikhathi ngenhlanhla engcono, futhi kwesinye isikhathi hhayi kangako.

Kusukela manje ngeke usaba nezaba zokuthola lezi zinkampani, noma wazi kancane ukuthi ziyini nokuthi ungazenza kanjani zinenzuzo. Ngochungechunge lwezici ezijwayelekile kubo bonke. Y isuswe ngokuphelele kwamanye amamodeli webhizinisi abhalwe ezimakethe ezinkulu zezimali.

Obani amalungu ayo?

Kuzoba yisikhathi sokwazi amagama, futhi kungani kungenjalo, imininingwane yala magugu, uma kwenzeka ufuna ukuzibeka kuwo. Ngeke kudinge isikhathi esiningi engxenyeni yakho, ngoba iyiqembu elincane lezinkampani, kepha ngethonya elikhulu phakathi kwabatshalizimali emhlabeni jikelele. Ukwenza iphothifoliyo yokutshalwa kwezimali yabaphathi abakhulu bezezimali.

• Telefónica: inani le-hegemonic lokuxhumana ngocingo eSpain, kungabi bikho izimbangi ezibuza ubuholi bazo emkhakheni. Kubuye futhi ngenye yezinzuzo ezikhanga kakhulu ekunikezelweni kwesitoko sikazwelonke, ngezinkokhelo ezimbili zaminyaka yonke ezigxila ekuvuneni kwayo kusondele ku-7%. Futhi nge-niche yebhizinisi elizinzile elenza ingxenye enhle yabatshalizimali babheke izihloko zabo ukwenza imisebenzi yabo ibe nenzuzo. Eqinisweni, ingenye yezinkampani ezinconywa kakhulu ngabalamuli bezezimali eminyakeni yamuva.
• I-Banco Santander: okudala emkhakheni wezezimali iminyaka eminingi manje, futhi lapho abatshalizimali abaningi abanjengawe beya khona ukwenza imali yabo bayizuzise. Kodwa-ke, isikhundla sayo sikhawulelwe ngokusika isabelo saso ezinyangeni ezedlule, futhi lokho bekulokhu kunjalo yehliswa ngenxa yokuchayeka kwayo ngqo ezimakethe ezithile ezisafufusa, ikakhulukazi iBrazil. Futhi lokho kuholele entengo yamasheya ayo engeqi isithiyo sama-euro ama-5 ngonyaka we-2015.
• BBVA: elinye ibhizinisi lezezimali elihlanganiswe kuleli qembu lamasheya. Yize kunjalo kuleli cala elithile, ngokuvezwa okuncane endaweni eyedlule. Naphezu kwakho konke okukhona enye yamanani agxilile kunoma iyiphi iphothifoliyo yokutshala imali ebiza usawoti wayo. Ngokusebenzisa elinye lamaqembu asebhange anesisindo esikhulu kunazo zonke ezweni lethu, futhi okusabalalisa nezabelo minyaka yonke kubaninimasheya.
• I-Repsol: Okuwukuphela kwakhe Compania ehlobene namafutha abhalwe ohlwini lukazwelonke olukhethiwe, nokuthi ngonyaka ka-2015 ube nokukhethekile kwawo annus horribilis, ngokwehla kwentengo yayo engaphezu kuka-30%, njengomphumela wokwehla okunamandla kukawoyela ongahluziwe ezimakethe zomhlaba. Naphezu kwakho konke, iyaqhubeka nokunikeza abatshalizimali bayo enye yezinzuzo eziphakeme kakhulu emakethe yamasheya, esondela emkhawulweni we-8%, ihlukaniswe kabili ngonyaka.
• Iberdrola: futhi ekugcineni enye yezinkampani zikagesi ezisohlwini lwemali engenayo eguquguqukayo, egcina ukuzinza okukhulu ngaphakathi kwenkomba ekhethiwe. Ukusabalalisa inkokhelo yezabelo ekhangayo ngokulinganayo, okwenza kube elinye lamagugu abalulekile ukwenza iphothifoliyo yokutshala imali nganoma yisiphi isikhathi, kokubili kubatshalizimali abavikelayo nokusika okunolaka. Ukunikeza ukuthintana okuvikeleke kakhulu kutshalomali lwakho.

Ungasebenza kanjani ngalawa magugu?

Amachips aluhlaza okwesibhakabhaka ahlinzeka ngochungechunge lwezici ezenza kungacaci ngengxenye enkulu yabamukeli ukwenza imisebenzi yabo ezimakethe zamasheya. Futhi lokho kujwayelekile kubo bonke, ngaphandle kokukhetha, yize bevela emikhakheni ehluke ngokuphelele. Hhayi ngeze, bangaba yinto oyithengile kusukela manje kuqhubeke, noma kunjalo kufanele ucabangele iminikelo yabo ukuze ubheke imisebenzi ongayenza ezimakethe.

1. Izinkampani ezinkulu, ezinemali enkulu, ezihambisa izihloko eziningi kuzo zonke izikhathi, nalapho ukuthenga nokuthengisa kuhlale kunesikhala, kokubili ngabatshalizimali bezikhungo, kanye nabatshalizimali abancane nabaphakathi.
2. Zonke lezi zinkampani ngokuvamile ze- ophana kakhulu uma kukhulunywa ngokwaba izinzuzo phakathi kwabaninimasheya, ngesivuno esivela ku-4%, sibasabalalisa izikhathi eziningana ngonyaka.
3. Akuwona amathuba amahle okuba ngosozigidi ngobusuku obubodwa, kunjalo. Kepha esikhundleni salokho uzoba nokuqiniseka okuphelele ukuthi ukulahlekelwa kwabo ngeke kukucekele phansi, futhi ngeke zibe zinkulu kakhulu.
4. Kunjalo Akuzona izibambiso zokuqagela emakethe yamasheya, kepha ngokuphambene nalokho, kunconywa kakhulu ukuthi uzigcine esikhathini esimaphakathi neside. Izimo lapho zihamba khona kangcono ekuguqukeni kwazo.
5. Abavame ukuhlupheka ngokweqile emazingeni abo, ukugcina ukuzinza okuthile kuzintengo, ngaphandle kokuthi kuthuthukiswe ezimweni ezithile kakhulu, futhi hhayi kaningi ukwenzeka njalo.
6. Kuboniswa ikakhulukazi ukwakha isikhwama sokonga isikhathi esincane, futhi yasizwa yizabelo ezisatshalaliswa minyaka yonke, eziphrinta ukwedlula imali ku-akhawunti yamanje yabasindisi.
7. Zimelela ireferensi esondele kunazo zonke futhi eqonde ngqo ekuveleni kwamanani ezizweNgendlela yokuthi uma iphakama, ngeke ikwazi ukwenza kanjalo ngaphandle kokusekelwa kwalawa manani, futhi ngokufanayo. Ukuncika kwabo kuphezulu.
8. Bayizinto zokuhlaziywa ngabalamuli ababaluleke kakhulu kwezezimali, okukhombisa ngokuqhubekayo ukuvela kwabo ezimakethe zezezimali, kuze kuvuselelwe imininingwane yabo ngamanani entengo abanikezwa wona.
9. Iqembu elincane kakhulu lezinkampani ezinokuncintisana okuphezulu, okuyi khuthaza amamodeli webhizinisi azinzile kakhulu, ngobukhona obunqume kakhulu emnothweni waseSpain, futhi kwezinye izimo nakwilizwekazi.
10. Izinqubomgomo zabo ezinwebekayo kumamodeli abo ebhizinisi kungenye into ejwayelekile evezwe yilezi zinkampani ezihola phambili emnothweni waseSpain, okwenza ukunyakaza kwezinkampani kube nemvamisa enkulu. Ukubasiza, noma ukubalimaza kwikhotheshini yamanani abo.
11. Futhi ekugcineni, uma okufunayo ekugcineni kwenqubo ukwenza imali ngokushesha, impela akuyona inketho enhle kunazo zonke ongayithola njengamanje ekunikezelweni kwamasheya aseSpain. Futhi kungakuhle ukuthi ukhethe amanye amanani angachaphazeleka kalula kulezi zindlela zokutshala imali.