Sala kahle kuzabelo? Izinkampani ziyehlisa

Esinye sezimangalo ezisemqoka zokuthi abatshalizimali abancane kufanele bangene emalini iyinzuzo. Kuyinkokhelo eyenziwa yizinkampani ezibalwe kubaninimasheya, ngenzuzo yamabhizinisi abo. Futhi yini ku ISpain ifinyelela isivuno esifinyelela ku-10% kuziphakamiso ezinhle kakhulu zemakethe yamasheya. Kodwa-ke, lo mkhuba ungalinganiselwa njengomphumela wokungazinzi kwezimakethe zamasheya ekuqaleni konyaka, okungaholela ekulungisweni kokubalwa kwezimali okuthinta le nkokhelo yomholo.

Izinkampani zokuqala ezinganciphisa izinzuzo kulo nyaka ngu I-Repsol. Isimo salo sebhizinisi esibucayi ngenxa yokwehla kwamasheya alo ngenxa yokwehla kwentengo kawoyela kungaba yimbangela yabasindisa imali ukuthi bathole umholo ophansi kakhulu kusuka manje. Njengamanje inzuzo yayo isondele ku-8%, ngezinkokhelo ezimbili ezingaba ngu-0,50 euros ngonyaka. Lelisu likhuthaza abaningi abasindisa imali ukuthi bakhethe leli nani ukuze bakhe isikhwama sokonga eminyakeni embalwa ezayo.

Umthelela ekwehleni kwezinkampani ezisohlwini awukaze ube khona isikhathi eside ukuza ngemuva kokwehla okukhulu kwamanani azo. Eyokuqala engahambisa yinkampani kawoyela yaseSpain iRepsol. Kakhulu kangangoba kubukeka sengathi ukuncishiswa kwesahlukaniso kuyindaba yesikhashana, futhi njengomphumela wecebo laso lokulungisa ama-akhawunti alo ebhizinisi.

Ngaphandle kwalokhu, iphesenti lenani lokwehlukaniswa kwezabelo labo abaninimasheya abazohlupheka ngalo aliqinisekisiwe. Futhi uma izindaba ziqinisekiswa, bazosala nenkokhelo engaphansi kwe-1 euro. Mhlawumbe cishe uhhafu we-euro unyaka wonke, ongakhipha ukwehla okungu-50% kwenzuzo.

Ukushintsha kwesimo ezinkampanini?

Yize abasindisi bethuswa wukunqunywa okungenzeka izinzuzo kusukela manje kuqhubeke, kufanele kukhunjulwe ukuthi akusona isimo esingakaze sibe khona emalini yaseSpain. Hhayi ngeze, IBanco Santander isivele isilwenzile lolu hlelo enkambisweni yayo yemiholo ngokumemezela ngonyaka odlule ukuncishiswa kwezabelo zayo ezingama-euro angu-0,60 ngonyaka ngendlela yayo yokuzikhethela eya kuma-euro angu-0,20 eyodwa ngekheshi. Kulokhu, ngenhla kwengxenye.

Njengomphumela walesi silinganiso, amanye amabhange kazwelonke akhethe indlela efanayo yokuqukatha izindleko zalokhu kusatshalaliswa kwemiholo. Umphumela wokuqala ozothinta ama-akhawunti akho uqobo ukuthi ngeke usathola izinkokhelo ezinjalo zokuncintisana, okungenani engxenyeni enkulu yezinkampani ze-Ibex-35, kepha kufanele ujwayele umqondo wamanani anesizotha kakhudlwana, mhlawumbe ngaphansi kwesithiyo esingu-5%.

Ukuze lesi simo kufinyelelwe kuso, bekumele kukhishwe izexwayiso ezimbili ezicacile ezivela kubaphathi bezomnotho. Ngakolunye uhlangothi, ukuthi i-European Central Bank (ECB) icele amabhange aseYurophu ukuthi aqaphele ekukhokheni izinzuzo. Ngakolunye uhlangothi, lezi zincomo ezinqala nazo zibekiwe ezinhlakeni zezimali zikazwelonke. Ngokuqondile, kusuka eBhange laseSpain - ngencwadi eya kubaqashi -, wabuza ibhange nciphisa isabelo sakho semali sibe ngu-25% wenzuzo.

Ngalo mqondo, umkhakha webhange ube yiphayona ekwehliseni isivuno sezabelo. Manje kubonakala sengathi sekuyithuba lezinkampani zikawoyela, ethinteke kakhulu ngokuwa kwezimakethe zezimali, futhi akekho noyedwa onqabela ukuthi kufinyelelwe kwezinye izingxenye zebhizinisi. Futhi abanye abazobhapathizwa abanamavoti amaningi okuqhubeka nalo mkhuba yizinkampani ezihlobene nezinto zokusetshenziswa. I-Arcelor ne-Acerinox bagadiwe, ngemuva kokuthi amanani abo efinyelele kuma-mininos omlando. Ngubani ozolandela?

Lezi zinyathelo zidlulisela kanjani kumtshali-zimali?

Abaninimasheya balezi zinkampani bazoba ngabokuqala ukubona lezi zinguquko ekukhokhweni kwezabelo. Hhayi ngeze, imali encane izongena kuma-akhawunti akho wokuhlola unyaka nonyaka. Futhi kungathonya ukuthi bashiye (bathengise amasheya abo) izikhundla ukuze bafune inzuzo engaphezulu yamasheya abo kunale nkokhelo engaguquki. Noma kunokunyakaza okunolaka okungathinta intengo yalezi zinkampani.

Ukuqinisekisa imiphumela yangempela yalesi silinganiso, kwanele ukukhumbula ukuthi abantu abathenga amasheya weRepsol njengamanje (ngentengo emaphakathi yama-euro angama-9), umholo wakho wokuqoqwa kwezinzuzo uzophindwa kabili maqondana nalabo abavule izikhundla onyakeni owodwa nje edlule. Ngenxa yalokho, abaninimasheya abasha babe nembuyiselo ephakeme kakhulu yonyaka kunaleyo endala. Futhi kusukela kulo mbono ojwayelekile, kuzoba umsebenzi onenzuzo kakhulu wokonga.

Lokhu kuthinteka ezenzweni zemakethe eqhubekayo yaseSpain kuzothinta abatshalizimali abaningi abavikela kakhulu kunalokho okucatshangwayo nje, noma okungenani labo abasebenza ngemigomo emifushane yobude. Kungathinta nemindeni eminingi yaseSpain okwathi iminyaka ethile imali ebekiwe yafakwa ezinkampanini ezazisabalalisa izinzuzo eziphakeme kakhulu. Akumangalisi ukuthi ungathola ukuthi izinkokhelo zakho zizokwehla kakhulu.

Imakethe yamasheya yaseSpain, enenzuzo enkulu ngezinzuzo

Vele, kukhona iqiniso elingenakuphikwa, futhi lokho kungukuthi imakethe yamasheya yaseSpain ingenye yenzuzo enkulu ezwenikazi lakudala ngalo mqondo. La Isivuno sesabelo se-Ibex manje sesingaphezu kuka-4%, enye yezinkomba eziphakeme kakhulu zomhlaba wonke. Izinkampani ezifana neRepsol, ezinenzuzo elindelwe yesabelo esingama-2016% ngo-9, neTelefonica, iRed Eléctrica, i-Enagás ne-Endesa, enamaphesenti angaphezu kuka-6%, ngezinye zalezo ezikhethwe ukukhetha leli qhinga lomholo.

Ngokuvamile, eminye imikhakha izwela kakhulu kuneminye yokwenza lezi zinkokhelo zibe semthethweni ngokuphepha okukhulu. Ugesi, umkhakha wezezimali, imigwaqo emikhulu kanye nezinkampani zikawoyela zibekwa ezikhundleni ezihamba phambili ukusabalalisa izinzuzo phakathi kwabaninimasheya. Yize ukwazi, kungenzeka, hhayi ngamandla wezivivinyo ezandulele. Okungenani kwezinye zalezi zinkampani. Ukusuka lapha, uchungechunge lwezimo luvulwa ngabaphethe lezi zenzo.

Isu liyashintsha

Njengomphumela walesi simo esisha esethulwe engxenyeni enkulu yabatshalizimali abathengisayo, ngeke babe nenye indlela ngaphandle kwalokho shintsha isu lakho lokutshala imali, ukuyihambisa ngendlela efanele nangokuya ngentshisekelo yakho. Banemihlahlandlela ethile yesenzo engakhawulela ukwehliswa kwezabelo, yize kunzima kakhulu kunezinye izikhathi. Kunoma ikuphi, kuzofanele ufunde ukuhlala ngokukhokha okukhulu, futhi ezimweni eziningi kungagculisi.

Vele, kuyinkinga entsha obhekene nayo ezimakethe zamasheya. Lokhu ukukhulelwa okusha, ngakho-ke kuyinkinga kakhulu ukukuxazulula ngempumelelo ethile, noma okungenani ngokusebenza okugculisayo kwezintshisekelo zakho. Kunoma ikuphi, kubonakala sengathi isivuno esingu-10% esinikezwe yilawa manani sisengcupheni yokuqothulwa esikhathini esimaphakathi nesikhathi eside. Futhi bekungaba kanjani ngenye indlela, Kuzoba isikhathi sokuthi uhambise ukuze ungaziboni ulinyazwa kuzintshisekelo zakho njengomtshali-zimali omncane

Ukuthola izinhloso, awunakukhetha ngaphandle kokulandela ngesiqondiso ezinye izinkombandlela ezilula zokuziphatha ezimakethe zezezimali. Ngenhloso engeke ibe enye ngaphandle kokuqhubeka namandla afanayo, noma afanayo, wokuthenga kuze kube manje, futhi atholakala ekuqoqweni kwalezi zinkokhelo zezinzuzo zenkampani.

• Ungaphephela ezinkampanini ezigcina izinzuzo zazo eziphakeme. Mhlawumbe hhayi ngemikhawulo yanyakenye, kepha ngokuqiniseka ukuthi izokuba ngaphezu kuka-5%, futhi ngenxa yemiphumela emihle yebhizinisi abazoyethula minyaka yonke.
• Njengolunye utshalomali ungakhetha okunye isikhwama sokutshala izimali ukuthi kusekelwe ezinkampanini ezihambisa izinzuzo kubaninizabelo, nokuthi noma kunjalo zinikeza ukuphepha okukhulu kuphothifoliyo yokutshalwa kwamakhasimende.
• Kungaba isikhathi esifanele ukukhetha abanye amapharamitha ahlukile ekukhetheni amanani yephothifoliyo yakho yokutshala imali, lapho izinzuzo zidlala indima encane ekunqophisweni kwayo.
• Uma ungahahi ngokweqile, lokhu kuvikeleka kuzohlala kunenzuzo noma ngabe kunjalo, ngokusebenza okwanelisa kakhulu kunemikhiqizo engenayo engaguquki (amadiphozi, amanothi asebhange, amabhondi, njll.), angavamile ukudlula umkhawulo ongu-1%.
• Gcina wazi ukuthi izinzuzo zizokwenza zehliswa ngqo kusilinganiso sakho, futhi ngenxa yalokhu kusebenza intengo yangempela yamasheya iyahlanjululwa. Yize lo mphumela, ngokujwayelekile, ungakhanselwa ngokuhamba kwesikhathi.
• Uma uzogcina iphothifoliyo yakho yokutshala imali iminyaka eminingi kulula impela ukuthi uyihlole njalo, ngoba kuzona zonke izinzuzo izothinteka ezinyangeni ezimbalwa ezizayo, futhi kungaba umzuzu ocacile wokushintsha ukwakheka kwazo.
• Noma behlisa inani lezinzuzo, ungahle ube nentshisekelo ekusebenzeni kwe- ukwelashwa kwentela ukuthi imisebenzi yabo ifaka phakathi. Ngale ndlela, kuyalulekwa ukuthi ubonisane nomeluleki wakho wentela.
• Kufanele wazi ifayela le- imihlangano yemihlangano yabaninimasheya, lapho kungenzeka khona izivumelwano mayelana nokuqaliswa kwalezi zinyathelo zizothathwa, futhi wazi ukuthi uzothatha ziphi izinyathelo kulawa macala.
• Ekugcineni, zama ukushesha ukunyakaza kokugcina yalezi zinkokhelo ezihleliwe neziqinisekisiwe, ngaphambi kokuba zidlulele empilweni engcono futhi zehliswe inani yizinkampani ezisohlwini. Ikakhulukazi esimweni se-bearish ezimakethe zamasheya zomhlaba wonke, njengaleso ebesithuthuka ezinyangeni ezintathu ezedlule.