Ngokufika konyaka omusha, sekuyisikhathi sokumisa iphothifoliyo yokutshala imali elinganiselayo futhi enamandla okubuyekeza. ngaphezulu kwesilinganiso. Ngoba isu lokutshala imali elihamba phambili akukhona ukutshala imali esitokisini esisodwa. Uma kungenjalo, ngokuphambene nalokho, ukhiye wempumelelo usekwakhiweni kobhasikidi wamasheya angenza ukonga kwethu kube nenzuzo ngendlela eyenelisa izintshisekelo zabatshalizimali abancane nabaphakathi. Ukushaya imiphumela engahle ikhiqizwe izimakethe zezimali kulesi sikhathi.
Ukwanelisa lesi sifiso, akukho okungcono kunokuphakamisa ukuthi yiziphi izindinganiso zemakethe yamasheya yaseSpain engenza kangcono kunezinye kusukela ngenyanga kaJanuwari. Onyakeni okungabonakali kuthule kakhulu kubatshalizimali. Ngenxa ikakhulu kufayela le- ubunzima bezomnotho lokho sekuvele kukhona emnothweni wamazwe omhlaba futhi okungenza kube yisisusa samaconsi angaba khona angaba nzima ukutshalwa kwezimali kwabathengisi.
Ngakolunye uhlangothi, kufanele sigxile ezinkampanini ezisohlwini ezinamandla amakhulu okubuyekeza kulezi zinyanga ezizayo. Ukwazi ukuthi ngeke kube lula ukufeza lesi sifiso sokuqala engxenyeni yabo bonke abasebenzisi be-stock market. Lapho enye yezikhiye zempumelelo izolala ekwenzeni i- Ukukhetha okuhle kumanani lokho kufanele kwenze iphothifoliyo yethu yokutshala imali. Okungukuthi, ngemuva kwakho konke, enye yezinhloso zethu eziseqhulwini zalo nyaka esizoqala.
I-Santander ilungiselwe unyaka omusha
Intengo ebhekiswe ku-Banco Santander yalo nyaka isethwe kuma-euro ama-5 ngesabelo ngasinye, ngaphezu kwe-3,70 lapho ihweba khona njengamanje. Hhayi ngeze, kube ngenye yamanani ezimakethe zamasheya kulimale kakhulu kulo nyaka futhi ngaphandle kwamathemba amahle ebenginawo kulo nyaka. Ngalo mqondo, ngeke kulibaleke ukuthi ngesinye seziphakamiso ezimakethe zezimali esinezincomo eziningi ezivela kubalamuli bezezimali. Ngokushesha nje lapho wenza kahle, ungafinyelela ezinhlosweni esizibekele zona.
I-ACS ingamangala
Inkampani yokwakha ingenye yezindinganiso ezingafanele ukuthi zilahleke echibini lethu lonyaka kahle. Ngenxa yokuhlukahluka okuhle enakho emabhizinisini ayo futhi okungaholela kuleli nani, okungenani ukusondela I-40 euro. Ngenkathi ngakolunye uhlangothi, kufanele kuphawulwe ukuthi le nkampani iphethwe kahle kakhulu futhi lesi sici kufanele sibonakale ekucushweni kwentengo yayo ezimakethe zezezimali. Ibuye ibe nokusatshalaliswa kwezabelo okuheha kakhulu izintshisekelo zabatshalizimali abancane nabaphakathi. Njengoba kube ngenye yezindinganiso ezijezisiwe engxenyeni yesibili yalo nyaka.
Vula ukubheja okunolaka
Ukunikeza iphrofayili enolaka kakhulu kuphothifoliyo yethu yokutshala imali, lo mgqomo ungabandakanywa. Ngoba, naphakathi kwezizathu, ijeziswe kakhulu kulo nyaka okhona, futhi nganoma yisiphi esinye isikhathi ingakhiqiza ukubuyela emuva kokuvumelana okuthile okungayinika inani elifanele kakhulu lentengo yayo. Kunoma ikuphi, kuzoba yinani esabe imali ngalo nesizotha kunazo zonke. Ngoba iyinkampani esohlwini eguquguqukayo kakhulu futhi lokhu kuvimbela ukungena kwabatshalizimali abasha futhi okungathinta ukukhuphuka kwezimakethe zezimali ezingagcini.
I-Bankinter: Kunconywa kakhulu
Ngaphakathi komkhakha wamabhange lokhu kungenye ye kukhethwa ngabahlaziyi yamasheya aseSpain. Kusesimweni esihle kakhulu ukukhuphuka ezikhundleni kusukela ngoJanuwari ngokukhombisa idatha enhle kakhulu yebhizinisi engaholela ekwazisweni kwamasheya ayo. Ngaphandle kokuthi i-divident yayo ayiyona enye yezindawo eziphakeme kakhulu emkhakheni wamabhange. Kunoma ikuphi, ngokungangabazeki kungaba ngesinye sezimanga ezinkulu ngonyaka ozayo. Ikakhulukazi, uma kutholakala ukululama kule ngxenye yemakethe yamasheya, omunye wabathinteke kakhulu kulo nyaka, njengengxenye enkulu yabatshalizimali bayo ikwazile ukuqinisekisa.
IMapfre ilinde ama-euro ama-3
Ngaphakathi kwamanani we-cutoff wokuzivikela, le nkampani yomshuwalense inawo wonke amavoti okuzosebenza kahle ezinyangeni ezizayo. Ngenhloso yokuqala esethwe kuma-euro angu-2,90 ukusuka kuma-euro angu-2,50 lapho ibhalwe khona njengamanje. Ngale kwalokho kungahle kube nokusikeka ngezikhathi ezithile zonyaka. Kepha kuzo zonke izimo kungenye yamanani agxilile okufanele afakwe kuphothifoliyo yethu elandelayo yokutshala imali. Lapho okunye kokuheha kwayo okuyinhloko okuzoqashwa ngabatshalizimali abancane nabaphakathi kuyisabelo esiphakeme esinikeza abaninimasheya. Ngenzuzo emaphakathi nonyaka yento ethile ngaphezu kuka-6%, enye yezindawo eziphakeme kunayo yonke enkombeni ekhethiwe yamasheya aseSpain, i-Ibex 35.
Ilinde iSolaria
Ngaphandle kwenkomba kazwelonke ekhethiwe, akumele sikhohlwe ngale nkampani enikeze izinjabulo eziningi kubatshalizimali abancane nabaphakathi eminyakeni yamuva. Ngoba ngalo mqondo, kufanele kuqashelwe ukuthi amandla ayo okubuyekezwa okwamanje aphezulu kakhulu ngoba amathemba ebhizinisi lawo athembisa kakhulu esikhathini esimaphakathi nesikhathi ikakhulukazi. Yize ine- ukuntengantenga kwamanani abo okufanele ukushiwo lapho kwethulwa izinguquko zemikhuba ezihlala zikhona futhi ezenza kube nzima kakhulu kubatshalizimali abancane nabaphakathi ukuthi bathathe noma yiliphi isu lokutshala imali. Lapho izinhloso zamanani wemikhiqizo yazo ziyinkimbinkimbi kakhulu ukunquma.
Kuzo zonke izimo, akha enye yamamodeli esingayingenisa ukwenza inzuzo kuma-akhawunti ethu ezinyangeni eziyishumi nambili ezizayo nangaphezulu kokunye ukucatshangelwa kobuchwepheshe.
I-Endesa iphinde ikhuphuke mahhala
Nakulokhu futhi, inkampani kagesi isesimweni esihle kakhulu sokukhulisa inani layo lesilinganiso. Ngokufinyelela amazinga angaphezu kwama-euro angama-24 ngesabelo ngasinye, noma ngasohlangothini olubi iqiniso lokuthi mancane amathuba okubuyekeza phambili. Ngokwezibalo zabahlaziyi abadume kakhulu ezimakethe zezimali, inhloso uku cishe ama-euro angama-26. Okusho ukuthi, inokwazisa okungaphezulu kancane kuka-6%, ne-dividend enikela ngenani lenzalo eliseduze no-6%. Enye yezinhlu ezivulekile kunayo yonke yenkomba ekhethiwe yama-equities kazwelonke, i-Ibex 35.
Ngenkathi ngakolunye uhlangothi, kungakhohlwa ukuthi imiphumela ye-Endesa yezinyanga eziyisishiyagalolunye zokuqala zonyaka ilandele umugqa omuhle owabekwa yilabo abethulwe ngoJuni, okuvumela ukulindela ukufezekiswa kwezinhloso zango-2019 ezibikwe yinkampani emakethe. ngaphakathi kohlaka lwayo Isu Lamasu. Lapho ukuphathwa kahle kwemakethe ekhululekile, endaweni enzima kakhulu, kokubili emabhizinisini kagesi nogesi, kuqhubeka nokuba yinto ebaluleke kakhulu kule miphumela emihle, lapho ukuzinza kwemakethe elawulwayo kanye nemizamo ephumelelayo yokunciphisa izindleko.
Kungumzuzu weTelefonica
Elinye lamagugu angenza kangcono kunamanye phakathi nonyaka olandelayo yi-telecom par excellence, i-Telefónica, ngoba ngonyaka we-2019 yehle ngokweqile ukufinyelela ezingeni lama-euro ayisithupha ngesabelo ngasinye. Ngalesi sizathu, kulula kancane ukukhuphuka ezikhundleni kulezi zinyanga eziyishumi nambili ezizayo. Futhi okumele kufakwe kukho isabelo esinamandla okwamanje esinokusatshalaliswa minyaka yonke I-0,40 euro ngokusebenzisa izikhokhelo ezimbili zonyaka. Ukusebenza njengesikhuthazo ekuthengeni ngabatshalizimali abancane nabaphakathi kulezi zinyanga ezingalindelekile kuwo wonke umuntu. Ngaphandle kokumelana okunamandla ekumelaneni okutholakala kuma-euro angu-6,85, kepha uma kweqiwe kungaba yisibonakaliso esihle sensalela yonyaka ozayo, ngoba amandla ayo wokubuyekeza enyukile ezinyangeni ezedlule.
Kuphi ku-trimester yokugcina, Telefónica uye waqhuba ukukhula kwemali engenayo (+ 1,7% kubikiwe) kuqhathaniswa nekota yesithathu yonyaka we-2018, ngenxa yokuthuthuka kweSpain, iBrazil kanye neJalimane, ukusebenza okuqinile kwe-United Kingdom, naphezu komthelela omubi wezezimali. Ngokwemvelo, bakhule ngo-3,4%. Okunye okuphawulekile ukukhuphuka kwemali engenayo emaphakathi ikhasimende ngalinye kuleso sigaba (+ 4,3% wemvelo unyaka nonyaka) kanye nokwenziwa ngcono kwezinga le-churn / churn. Eminye imiphumela, okwamanje, ebingakabi khona futhi engazange isebenze njengesikhuthazi sokukhulisa ukucushwa kwamanani abo ngaphezu kwama-euro angama-7. Ngenye yezinzuzo ezivuleke kakhulu zenkomba ekhethiwe yama-equities kazwelonke, i-Ibex 35.