UMapfre uphethe usuku ngalo Msombuluko nge yehla usondele ku-4%, ngemuva kokumemezela ukuthi kuzofanele ibuyekeze izinhloso zezezimali zohlelo lwayo lwamasu ngenxa yomthelela wesigidigidi weziphepho eJapane kanye nezinxushunxushu eChile. Ngalo mqondo, iMapfre ibone umthelela omubi ophakathi kwezigidi ezingama-130 nezingu-140 zamaRandi kunzuzo yayo ebabazekayo ngonyaka wezimali we-2019 ngenxa yeziphepho zakamuva iFaxai neHagibis eJapan ezinyangeni zikaSepthemba nango-Okthoba kanye nomonakalo odalwe yizidubedube eChile.
Lo mphumela emiphumeleni yawo ebangekayo, ikakhulukazi ngebhizinisi le-reinsurance, uzophoqa iMapfre ukuthi ibuyekeze izinhloso zezezimali ezifakwe ohlelweni lwayo lwamasu lweminyaka emithathu oluphela ngo-2021. Kuyindlela ebuyisela emuva ukuvela kwezenzo zayo futhi Kubonakale sengathi ezimakethe zokugcina zamasheya ibikhuphuke indiza yayo ezimakethe zezimali. Nge-uptrend manje okubonakala ukuthi sekuphinde kwabuzwa futhi ngenxa yalesi sexwayiso sebhizinisi.
Ngonyaka ka-2020 kubukeka sengathi kuzodingeka ukuthi kwenziwe ngokuqapha okukhulu ngenani lalokho obekulindelwe kuze kube yizinsuku ezimbalwa ezedlule. Ngemiphumela emincane kakhulu emihle yezintshisekelo zabatshalizimali abancane nabaphakathi. Lapho amasheya omshwalense waseSpain aphele khona kuma-euro angama-2,45, amele ukulungiswa kwama-3,7% uma kuqhathaniswa nama-2,57 euros ngesabelo ngasinye esifinyelele ekupheleni kwesonto eledlule. Ngamafuphi, a ujeke wamanzi abandayo lokho kungasusa izinhloso zabatshalizimali abambalwa ukuthatha izikhundla kuleli nani lenkomba ekhethiwe yamasheya aseSpain.
Sizogcina isabelo
Inkampani yomshwalense oyisithenjwa ye-Ibex 35 yazise imakethe namuhla ukuthi imiphumela yayo ebabazekayo yonyaka ka-2019 izothatha umthelela ophakathi kuka-130 no-140 wezigidi zamaRandi ngenxa yeziphepho zakamuva iFaxai neHagibis ezenzeke eJapan ezinyangeni zika USepthemba nango-Okthoba, futhi, kuze kube sezingeni elincane, umonakalo odaleke kwizidubedube zakamuva eChile.
Le micimbi ayinayo imithelela ebalulekile ekuxazululeni amandla we-MAPFRE kanye namandla amandla amakhulu. Ngalesi sizathu, iBhodi Yabaqondisi yomshwalense ivumile, ngokuhamba kwesikhathi, ukuthi iphakamise Umhlangano Wabaninimasheya Jikelele ukuze kugcinwe izabelo zango-2019 ngenani elilingana nelika-2018. Izishingishane ezinyakazise isifunda sase-Asia-Pacific le sizini ibinodlame ikakhulukazi. IHagibis ibhekwe njengesiphepho esibi kunazo zonke ezake zabonwa eJapane eminyakeni engama-70 edlule. Bangaphezu kwekhulu abantu abashonile ngenxa yale ngozi. Izindleko ezilinganiselwayo zomkhakha womshuwalense kuzo zombili izehlakalo zingaphezu kwezigidi ezingama-100 20.000 zamaRandi.
Umthelela kuma-akhawunti ebhizinisi
Umthelela weMapfre wezigidi eziyi-130-140 uzobonakala ikakhulukazi ebhizinisini lokuqinisekisa kabusha, futhi ubalwe ngokwezibalo ezenziwe yinkampani ngokuya ngokuxhumana kwezinkampani zomshuwalense we-ceding. Ngenkathi ngakolunye uhlangothi, lokhu kukhuphuka okungavamile kwezindleko kuzodala ukubuyekezwa kwamanje Uhlelo Lwezamasu 2019-2021. Umphumela walokhu kuhlaziywa uzokwethulwa eMhlanganweni Wabahlanganyeli Beqembu ngoMashi olandelayo.
Kunoma ikuphi, isimo ebesingakahlelwa ngabahlaziyi abahlukahlukene bezezimali. Kuze kube seqophelweni lokuthi akunqatshelwe ukuthi esikhathini esifushane intengo ebekiwe ingahle yehliswe ngakho-ke ingaveza i- Ukudonsa kwe-bearish lokho kungathatha amasheya akho emazingeni azungeze ama-euro amabili ngesabelo ngasinye. Kodwa-ke, uma lesi simo sigcwaliseka, kungaba ithuba elihle lokuvula izikhundla kulawo mazinga. Ngoba kuzoba nokulinganisa okuqinile kunokufika emasontweni ambalwa noma ngisho nasezinyangeni ezedlule. Futhi-ke, ngamandla wokubuyekeza aphakeme, njengokwamukela lolu hlobo lomsebenzi ezimakethe zokulingana kwezezimali.
IMapfre: ukhiye ngama-euro angama-2,80
Kunoma ikuphi, konke kuyenzeka uma kunganqoba ukumelana okubalulekile okukhona njengamanje emazingeni ama-20 euros. Kuzoba yindawo yokuguqula ukufinyelela ngokuphelele ku-uptrend ebikade ifiswa isikhathi eside futhi ethatha isikhathi eside ukufezekisa. Kakhulu kulezi zikhathi ngemuva kokumenyezelwa kwalesi 'sixwayiso senzuzo' esiholele ekutheni amasheya ayo awe ngamandla amakhulu emakethe yamasheya. Ukufika lapho ingxenye enkulu yabatshalizimali abancane nabaphakathi bezibuza ukuthi bangakwazi yini qhubeka uye phansi kusuka manje.
Ngakolunye uhlangothi, okubaluleke kangako iqiniso lokuthi leli nani ligcinwe ngaphansi kwamamaki amancane kakhulu entengo. Phakathi kwama-euro angama-2 kuya kwangama-2,90 ngesabelo ngasinye futhi lokho kudala ukuthi akukho ukunyakaza okukhulu kumthamo waso wenkontileka, ngaphandle kwenjabulo enkulu kubatshalizimali kulo nyaka abangazange banikeze izinzuzo ekusebenzeni kwaleli nani emkhakheni wezinkampani zomshuwalense. Ngenkathi ngakolunye uhlangothi, into eyigcina ingaphezulu kwama-euro angu-2,30 yisabelo esiphakeme esisabalalisa phakathi kwabaninimasheya.
Isivuno sesabelo esingu-7%
Kunoma ikuphi, okunye kokukhuthaza kwalomshwalense wezwe ukuthi isabalalisa idividendi ngenani lenzalo Cishe ku-7%. Lokho kusho ukuthi, ingenye ephezulu kakhulu emholweni oguquguqukayo kazwelonke futhi engaphezulu kwezinye zezinkampani zikagesi ezifanele kakhulu ze-Ibex 35. Ngokukhokha okubili okuhleliwe nokuqinisekisiwe njalo ngonyaka, noma yini eyenzekayo ezimakethe zezimali. Njengoba kwenzekile manje ngomthelela omubi ophakathi kwezigidi ezingama-130 no-140 wezigidi zama-euro kunzuzo yayo ebabazekayo yonyaka wezi-2019 ngenxa yeziphepho ezisanda kwenzeka eJapan.
Ngakho-ke, kuyisiphakamiso emakethe yamasheya okubhekiswe kakhulu kumaphrofayili wabatshalizimali wokusika okuvikela kakhulu noma okulondolozayo. Ngoba ingelinye lamagugu afaneleka kakhulu okwamanje ukudala ukushintshana okuzinzile kokonga isikhathi esimaphakathi futhi ikakhulukazi isikhathi eside. Ikakhulu, njengomphumela wentengo yemali endaweni ye-euro, ebisendaweni engakhi isikhathi eside, imi ku-0%. Njengomphumela walesi simo, imikhiqizo yasebhange ayikhiqizi ngaphezu kuka-0,25%. Ngamanye amagama, kungenza umehluko obaluleke kakhulu maqondana namazinga wediphozi yesikhathi esinqunyiwe.
Imikhiqizo yokonga
Njengomphumela walo mkhuba, iMapfre yethule umkhiqizo we- “PIAS 6M”, umkhiqizo omusha osindisa impilo onobude obungenamkhawulo nentshisekelo engabuyekezwa. Kungumshwalense wokonga ekugcineni engatholwa ngenkontileka eyodwa noma ngezikhathi ezithile, futhi ivumela neminikelo eyengeziwe ukuthi yenziwe nganoma yisiphi isikhathi. Lolu hlelo lwe-Individual Systematic Savings Plan (i-PIAS) olwenzelwe umsindisi onephrofayili elandelanayo futhi enganciphisa ukwehla kwenzuzo yale mikhiqizo yezezimali. Yize yenzelwe isikhathi esiphakeme saphakade kunamanye amafomethi.
Kunoma ikuphi, le nkampani yomshuwalense icabanga ngokunikezwa kwayo kwamanje anhlobonhlobo wemikhiqizo yalezi zici. Ngamanani wenzalo aphakathi kuka-1% no-2,50%, kanye nemibandela yenkontileka enomusa maqondana namamodeli wokonga akhiqizwa yizikhungo zezikweletu. Ngokusebenzisa isiphakamiso esaziwa ngokufana kakhulu ekwakhiweni kwaso kanye nenzuzo esiyinikeza abanikazi bale mikhiqizo. Awekho amakhomishini noma ezinye izindleko ekuphathweni noma ekugcinweni kwawo ukukhuthaza abasebenzisi ukuthi baqashe kusuka manje. Ngamanye amagama, kungenza umehluko obaluleke kakhulu maqondana namazinga wediphozi yesikhathi esinqunyiwe.
Amathuba ebhizinisi emakethe yamasheya
Izisetshenziswa zikhona ngamanani, kepha zivela njalo ngezikhathi ezithile. Ukube le bekuyi-tonic evelele ku imigqa Bonke abatshalizimali bazoba nenzuzo enkulu yemali. Okwenzekayo ukuthi kunzima kakhulu ukuzibona. Abatshalizimali abaningi bakholelwa ukuthi ukuphepha okungabizi kakhulu ngamathuba amahle okuthenga. Iphutha elibucayi, ngoba lokhu akufani nokuthenga amathuba, kepha bacashunwe kuleyo ntengo ngezizathu eziningi Futhi, kuyintengo okushiwo yimakethe, kungabi ngaphezulu noma ngaphansi. Lokho kusho ukuthi, akusikho ukuthi iMapfre yehlise inani layo emakethe yamasheya ukuthi ishibhile kunakuqala. Uma kungenjalo, ngokuphambene nalokho, le parameter ilawulwa ezinye izinto ezihluke kakhulu okufanele uzicabangele.
Amathuba ngokunembile lapho isitokwe sehle ngentengo ngaphandle kwesizathu noma ngenxa yokukhohlisa kwe wabathengi ukuthi ngenxa yezizathu ezahlukahlukene licindezela inani liye phansi liye ekuthengeni kamuva ngentengo eshibhile. Imvamisa yenzeka ngamasheya amancane naphakathi naphakathi kwenqolobane futhi, nawo anemali encane. Kungalezo zikhathi eziqondile lapho kungenziwa khona imisebenzi yokuthenga engazuzisa kakhulu izintshisekelo zabatshalizimali ngoba bacashunwe ngezaphulelo ezibalulekile ngokuthi intengo yabo ebhekiwe kufanele ibe yini. Ngokubaluleke kakhulu ezinhlosweni.