Le yinqubo engaholela ezinkingeni ezingaphezu kweyodwa kubatshalizimali ngoba ukuqothuka kwenkampani esohlwini kungenye yezinto ezibucayi kakhulu ezingenzeka emakethe yamasheya. Yebo, noma amasheya engabhalisiwe ezimakethe zezezimali, abatshalizimali bazoqhubeka nokuthola i- imali yonyaka evela ebhange lakho ngekhomishini yokugcinwa kwezingane. Kunoma ikuphi, lesi sigaba senqubo sifaka ukumiswa kokuhweba, okungaba okwesikhashana noma okucacile, lapho-ke imali yokutshalwa kwemali konke izolahleka.
Enye yezinzuzo zemikhiqizo engenayo engaguquki, hhayi konke, ukuthi ukutshalwa kwezimali kukhokhelwa yi-Deposit Guarantee Fund (FGD) uma kwenzeka kubhidlika noma kunyamalala ibhizinisi eligcina imali. Ngomkhawulo omkhulu ofinyelela kuma-100.000 euros kumnikazi ngamunye. Lesi silinganiso sokuvikela, ngakolunye uhlangothi, asikho ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Kepha ngokuphambene nalokho, abatshalizimali bazolahlekelwa yiyo yonke imali abayitshalile ezinkampanini ezibalwe abathintekayo kulo mcimbi webhizinisi ohlukile. Yize futhi futhi ivame ukudala uchungechunge lwezinkinga ekuphathweni kwayo yize ingekho ohlwini lwezimakethe zamasheya futhi izokuba yikhanda kubadayisi.
Yize behlukile, ezinye izimali zaseSpain zidlulile kule trance yemakethe yamasheya futhi ziholele abatshalizimali abancane nabaphakathi ukulahlekelwa ukulondolozwa kwabo emahoreni ambalwa. UMartinsa noReyal Urbis babe nenkanyezi kokunye ukuqothuka okubaluleke kakhulu eminyakeni yamuva. Ngenkathi iRenta Corporación imisiwe ekuhlwini ngokudinga ukumiswa kwezinkokhelo. Njengezinye izinkampani ezibalwe emakethe eqhubekayo yaseSpain, njengeLa Seda de Barcelona noma iSniace. Njengomphumela walezi zimo, izinkulungwane zabaninimasheya abancane zibhajwe ezikhundleni zabo. Kwezinye izimo, ukungaphinde ubuyele ezimakethe zamasheya, nakwezinye ukuthi zizofakwa ohlwini eminyakeni edlule, yize ngamanani angaphansi kwamazinga ngaphambi kokufakwa kuhlu kwawo.
Ukuqothuka: ukumiswa kohlu
Kuyinqubo, okuthi uma zingabhaliswa futhi ezimakethe, ayinakulungiswa. Ngamanye amagama, umninimasheya ulahlekelwa yiyo yonke imali yakhe etshaliwe ngoba nje ingasekho impahla yezezimali efakwe kuhlu. Amasheya akhishiwe ngakho-ke alahlekelwa yilo lonke inani lawo. Ngokwesimo lapho iNational Securities Market Commission (CNMV) yenza isinqumo sokumisa ukuphepha "Ngenxa yokuvela kwezimo ezingaphazamisa ukuthuthukiswa kokusebenza okujwayelekile". Kodwa-ke, lapho lesi senzo somzimba olawulayo senzeka, intengo yamasheya yehle kakhulu yaze yafinyelela emazingeni aphansi kwikhotheshini. Lapho, abanye abatshalizimali bavala izikhundla zabo ngokulahlekelwa okunamandla ngenxa yokwesaba ububi obukhulu.
Kulesi simo, izimo ezimbili zingenzeka. Ngakolunye uhlangothi, lokho ezinsukwini ezimbalwa kamuva amasheya acashunwa futhi ezimakethe zezezimali, yize kunezaphulelo ezinamandla kuzintengo zazo. Noma ngisho nokuthi bacwile ezinkambisweni zokuqothuka eziholela ezinyangeni ezimbalwa noma eminyakeni yokumiswa. Futhi ngakolunye uhlangothi, isimo esibi kakhulu, sokuthi ngeke baphinde bashintshe intengo yabo ezimakethe futhi. Kunoma yisiphi salezi zimo, abaninimasheya abanalusizo futhi bangalinda kuphela ukuthi isimo sixazululwe ngethemba kuphela lokuthola ingxenye yotshalo-mali lwabo.
Izindleko ezizoqhubeka nokusetshenziswa
Vele, zimbalwa izindlela zokuzivikela abanazo kusukela ekuphela kwendlela yokuthola imali ethile kumasheya abo ezinkampanini ezibalwe ilele ekufinyeleleni ezivumelwaneni ngazinye. Lesi senzo sidlula ngendlela ye- ukushintshaniswa kwezibambiso ezimakethe zesibili. Kodwa-ke, kungumsebenzi oyinkimbinkimbi ngokuqinisekile unikezwe ukungabi nentshisekelo kwabathengi abangaba khona. Futhi uma yenziwe yaba semthethweni, iyohlala iba ngentengo ephansi kakhulu kunaleyo esethwe izimakethe ohlwini lwayo lokugcina.
Enye yezinkinga ezinkulu ezibandakanywa yilesi simo ukuthi yize amasheya engabhalisiwe, ibhange eligcine imali lizoqhubeka nokukhokhisa ikhomishini yababoshwe. Akukhona ukuthi kuphakeme kakhulu, phakathi kwama-5 no-15 euros ngonyaka cishe, kepha kuzoba yimali ekhokhwa ebhange okuzodingeka ukuthi ibhekane nayo minyaka yonke kuze kube kulungiswa isimo.
Isimo esenziwe
Kunoma ikuphi, akudingekile ukuthi uphelelwe yithemba ngoba kunamacala okululama, noma ngabe kudlula iminyaka eminingi. Esinye sezibonelo ezicacile esimele ngu USniace, ukuthi cishe cishe iminyaka emithathu yokungasebenzi kwemakethe yamasheya kubuyele emakethe yamasheya. Ngokubuyekezwa kabusha kwe-155%, ukuma emazingeni ama-0,5 euros ngesabelo ngasinye. Abaninimasheya beMartinsa-Fadesa babengenayo inhlanhla kangangoba ngemuva kokumiswa kokukhokha, amasheya akhishwa ngaphandle ngakho-ke alahlekelwa yilo lonke inani lawo.
Ngokuyigugu ngalezi zizathu, esinye sezihluthulelo ukuze lesi simo sincishiswe siqukethe ukwehlukaniswa okulungile kokutshalwa kwezimali. Akukhuthazwa ukubeka engcupheni imali bese uyitshala kubhasikidi ofanayo ngoba ubeka engcupheni enkulu yokuthi ungaphelelwa yimali oyongele ubusuku obunye futhi kungenasidingo. Okuthile abangavika ukugwema ukwakha iphothifoliyo yokutshala imali efanele futhi elinganiselayo. Ngale ndlela, uzolahlekelwa kuphela ingxenye encane yezimpahla zakho siqu noma zomndeni.
Izimpawu ezinikeza isexwayiso esiningi
Kunoma ikuphi, kunezimpawu ezithile ezingakhiqizwa nezikhombisa ukuthi ubhekene nalesi simo esingesihle kangako kuzintshisekelo zakho. Kunjalo akulula ukuzibona futhi uzodinga ulwazi oluthile ekusebenzeni okuqhutshwa ezimakethe zezimali. Ukuze ngale ndlela, uvale izikhundla ukuze amaphuphu angayi kokuningi. Isu kuleli cala lizosuselwa ekwenzeni ukuthengisa ngokuphuthuma okuphelele, noma ngabe kulahlekelwe kakhulu noma kancane. Kumele ucabange ukuthi ekugcineni kosuku ungalahlekelwa yikho konke. Kuhlala kungcono ukulahlekelwa yingxenye yemali yakho kunokusebenza konke. Le yinto okufanele uyicabange kusukela manje kuqhubeke.
Esinye sezici ezifanele kakhulu zale nqubo eyinkimbinkimbi yileso esihlobene nokukhethwa kwenkampani esohlwini. Ngoba empeleni, yilezo ze- ikepisi elincane ethambekele kakhulu ekuthuthukiseni lokhu kushoda kwemali ngenxa yesizathu esilula kakhulu sokuqonda futhi lokho ukuthi baveza izinga eliphakeme lesikweletu. Futhi-ke, bangakhiqiza lesi simo nganoma yisiphi isikhathi. Vele, lesi simo asijwayelekile kakhulu ezinkampanini ezakha inkomba yokuma kwemakethe yamasheya yaseSpain, i-Ibex 35. Ngenxa yezizathu okulula kakhulu ukuthi abatshalizimali abancane nabaphakathi baziqonde.
Amasu azosetshenziswa
Uma kunoma yisiphi isimo uzithola usucwiliswe kunoma iyiphi yalezi zinqubo ngeke ube nezindlela eziningi zokuzivikela ukuphuma kuzo. Kepha kuzo zonke izimo kuzoba wusizo olukhulu kuwe ukwamukela uchungechunge lwezinto eziseqhulwini ukuvikela izintshisekelo zakho ngendlela eyiyo kakhulu. Ngenhloso ecacile futhi lokho akuyona enye ngaphandle kokulondoloza okungenani ingxenye enhle noma encane yemali yakho. Ukuze ngale ndlela, ungashiyi konke ukonga ngendlela okuyizimo ezimbi kakhulu ezingalethwa kuwe kusuka manje.
Isinyathelo sokuqala ongasithatha lapho ubhekene nokuqothuka kwenkampani esohlwini silindele lesi sinyathelo senkampani. Kanjani? Ngaphambi kwanoma isiphi isibonakaliso esikhombisa ukuthi lesi simo kungenzeka, impendulo yakho ngokushesha ithi thengisa amasheya ngentengo yemakethe. Hhayi ngokuthengisa okuyingxenye kodwa ngenani eliphelele lokusebenza. Ngaphandle kokulinda ukuthi uchithe izinsuku eziningi ngoba kungenzeka ukuthi sekwephuze kakhulu ukuthi ungagcina ingxenye ethile yokonga kwakho.
Linda ukuthi bacaphune
Isu lesibili lisuselwa ekulindeni amasheya abuyele ekuhwebeni ezimakethe zezezimali. Njengoba kwenzekile nge-Sniace chemistry eminyakeni ethile eyedlule. Kodwa-ke, lesi sinyathelo esenziwe ngokusobala sinezingozi eziningi zezintshisekelo zakho njengomtshali-zimali. Ikakhulukazi ngoba angeke uphinde ucaphune Futhi ezimweni ezinhle kakhulu, kungathatha iminyaka eminingi ukuthi baphinde bangene ezimakethe zokulingana. Leli isu kuphela ongalisebenzisa uma utshalomali lwakho lungabizi kakhulu. Kulezi zimo kungakukhokhela ukuzibeka engcupheni kancane ezikhundleni zakho.
Kwelinye izinga ukuthi uzama ukushintshanisa izihloko ezimakethe zesibili. Kepha le nhlangano ihlale iyinkimbinkimbi ngandlela thile futhi yenziwa ngaphansi kwamanani angaphansi kwenani lamasheya. Kepha okungenani ngeke ube ngaphandle kokulondolozwa obekutshalwe kusuka ekuqaleni. Ngakolunye uhlangothi, ungathola ukuthi awuhlangani nanoma yimuphi umthengi kulolu hlobo lwezimakethe zezimali ezikhetheke kakhulu. Ngoba kunokungqubuzana okukhulu phakathi kokunikezwa, ukunikezwa nokufunwa kwamasheya akho. Kepha noma kunjalo kucace bha ukuthi kuzofanele uthathe isinqumo kulezi zinhlobo zezimo.
Kukuziphi izimo okwakwenziwe yibhange elidumile?
Gracias