Izimali zokutshala imali ezinkampanini zobuchwepheshe

I-Bankinter ithatha elinye igxathu ekuthambekeni kwayo okusha ezimotweni zokuhlanganyela zamakhasimende ngokwakhiwa kwesikhwama esiholayo emakethe yaseSpain: "Isikhwama se-MVB" Kuyisikhwama esasungulwa ngenhloso yokutshala imali ezinkampanini eziphazamisayo kuhlelo lwezinto eziphilayo eSilicon Valley, okuyisisekelo sokuqanjwa kobuchwepheshe obusha. Umkhakha lapho kusatshalaliswa khona imali enhlobonhlobo yezimali zokutshala imali ukuze kuthuthukiswe inzuzo yabo, yize kunengozi enkulu ekuvezweni kokonga.

Inhloso enkulu ukunikela ngenye indlela yokutshala imali eyahlukile kumakhasimende we-Private Banking ku-niche yemakethe lapho abatshalizimali abambalwa abangangena khona, njengezinkampani zobuchwepheshe ezinamandla amakhulu asendleleni yokuba yiyona 'Uber', 'Facebook', 'Netflix' noma 'Amazon' lesikhathi esizayo esiseduze. Lezi zinhlobo zezinkampani, ezizalwa njenge- uqale-ups bese kuba ama-unicorn - izinkampani ezinenani elingaphezulu kwe- $ 1.000 billion -, okokuqala, kunzima ukuzibona kusenesikhathi futhi, okwesibili, kubanamasheya anzima.

Ngaphezu kwalokhu okwedlule, amathuba okubamba iqhaza ekuhlanganyeleni amasheya kulesi sigaba sezinkampani anciphile eminyakeni yamuva selokhu bathatha isikhathi esithe xaxa ukuphumela obala. Ukufaka lolu hlobo lwezinkampani zemikhakha yezobuchwepheshe, i-Bankinter isungule i- "MBV Fund", isikhwama sezimali, okusho ukuthi, isikhwama esizotshala imali ezimali ezinkulu zebhizinisi (capital capital), yona etholakala kubaninimasheya balezi zinkampani ezinamandla amakhulu okukhula.

Faka imali ezinkampanini zobuchwepheshe

Ukuze utshale izimali ezinhle kakhulu emhlabeni we imali yokuthengisa abanezikhundla kuma-unicorn wesikhathi esizayo, ibhange lihlanganyele nosomabhizinisi owaziwayo emkhakheni wezobuchwepheshe uMartin Varsavsky, oyiphayona ezinhlelweni eziningi zebhizinisi emakethe yaseSpain nakwamanye amazwe, njenge-United States noma iCanada. Lesi yisinyathelo esivele sithathiwe ngezinye izimali zamazwe omhlaba zokutshalwa kwezimali futhi ezimakethwa ngabaphathi abehlukene bakwamanye amazwe.

Umkhakha wezobuchwepheshe ungenye yezinto ezikhetheke kakhulu okwamanje okwamanje ezimakethe zezimali. Kuzungeza kakhulu futhi empeleni ungathola imali eningi ngezici zayo ezikhethekile, ngoba amandla ayo wokuhlaziya abanzi kakhulu kunezinye izingxenye ezijwayelekile noma zendabuko. Kepha ngesizathu esifanayo, ungashiya ama-euro amaningi emgwaqeni ngoba isimo esishubile sihlala sikhona kuzintengo zabo, yize kulokhu kuyizimali zokutshala imali. Ngomehluko obanzi kakhulu phakathi kwezintengo zayo eziphezulu nezincane.

Izimali ezinezimali eziphakeme

Okunye okujwayelekile kwezimali zokutshala imali ezinkampanini zobuchwepheshe ukuthi ngokuvamile banamakhomishini anwebekayo kakhulu kunezinye izimali. Kuze kube seqophelweni lokuthi bangalinganisela kuze kufike ku-2% kunani lemali oyitshalile. Ngakho-ke, kufanelekile ukuthi uhlole ukuthi ngabe lezi zimali zokutshala imali kufanele ziqashwe ngalokhu kukhuphuka kwezindleko zokuphatha nezokulungisa. Konke kuzoncika kuphrofayili oyethula njengamanje njengomtshalizimali omncane noma ophakathi. Ngoba kungahle kungabi ngumkhiqizo ofanele kakhulu izintshisekelo zakho.

Ngenkathi ngakolunye uhlangothi, kufanele futhi uqaphele ukuthi lolu hlobo lwezimali ezikhethekile zokutshala imali luhlose imibandela ephakeme yaphakade, esikhathini esimaphakathi nesikhathi eside. Yiziphi izinkathi lapho inzuzo yabo yokugcina ingenzeka kangcono kakhulu, noma ngabe ngokuthengisa ongakudlulisa nganoma yisiphi isikhathi nasesimweni. Ngaphandle kwalokhu kusebenza kukubiza nge-euro eyodwa ngoba imahhala ngokuphelele kusukela ekuqaleni. Inzalo emaphakathi ebebeyinikeza eminyakeni emihlanu edlule amazinga azungezile azungeze u-5% noma u-6%. Ngaphezulu kwenzalo ekhiqizwe ngama-indices emakethe yamasheya kazwelonke nakwamanye amazwe.

Amathuba ebhizinisi

Vele, ukuyiqasha kuyithuba langempela lebhizinisi uma nje ukuvela kwayo kuyenelisa izintshisekelo zabatshalizimali. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo. Ngoba empeleni, izimali zokutshala imali ezinkampanini zobuchwepheshe zinamandla okubuyekeza aphezulu kakhulu futhi lokho ungasondela ku-45% ezimweni eziningi. Kepha futhi ngengozi esobala yokuthi bazokwehla, ikakhulukazi ngamagama amafushane. Ngakho-ke, kufanele uqaphele ikakhulukazi lapho uqasha.

Ngenkathi ngakolunye uhlangothi, ungakhohlwa ukuthi izimali zokutshala imali ezinkampanini zobuchwepheshe zisebenza kangcono ezikhathini ezandayo zomnotho. Ngenkathi kwehla kwezomnotho kunenkinga enkulu yokwazisa ezimakethe zezimali. Yingakho inkinga yokuyibhalisela ngalesi sikhathi lapho kubonakala sengathi izokuya kubeka inkinga yezomnotho ngamandla amakhulu ezinyangeni ezimbalwa ezizayo. Ngalokho, ubungozi bungaba bukhulu ukwenza ukonga kube nenzuzo ngendlela ephumelelayo.

Zinjani lezi zimali zobuchwepheshe?

Lesi sigaba semikhiqizo yezezimali siboniswa ngokuyisisekelo isidingo se- ulwazi oluncane yemisebenzi eyenziwe etholakala ekutshaleni imali kunkomba yemakethe ngaphandle kwengozi yemali, okungukuthi, imali yayo eyi-euro. Futhi ngoba kumayelana nezinkampani ezingahlanganisiwe ngokuqinile kuma-panorama ebhizinisi. Zisekelwe ngaphezu kokukhula okuqhubekayo, kulokho okulindelwe futhi uma lokhu kungafezeki, kungabonakala kumanani wazo futhi ungakubona lokhu esitatimendeni sakho semali engenayo.

Ngenkathi ngakolunye uhlangothi, kufanele kugcizelelwe ukuthi utshalomali oluncane lokufaka kulezi zimali lincike kuzimpawu zalowo nalowo wazo, kepha njengamanje kunemikhiqizo engabhaliswa kusuka kuma-euro ayi-100 kuphela. Yize ukuze utshalomali lukhiqize imiphumela oyifunayo ngokuya ngenzuzo ebonwayo, kuyadingeka ukufaka okungenani ama-euro angama-3.000 okungenani. Njengoba iminikelo yakho yemali ifunwa kakhulu, inzuzo ephakeme yezimali zokutshala imali ezinkampanini zobuchwepheshe ingaba.

Siza ukwehlukanisa utshalomali

Okunye okuheha kakhulu kulezi zimali zokutshala imali, ngokuya ngenkontileka yabo, ukuthi bavumela ababhalisile ukuthi imali yabo itshalwe "kubhasikidi" wezibambiso ezisohlwini lwenkomba yokulinganisa yaseYurophu, ngaphandle kokubeka engcupheni i-euro eyodwa kuphela ukubheja emakethe okuhlose ukulondeka okukodwa, ngaleyo ndlela kususe kakhulu izingozi, ngoba ngokuvamile lezi amaphakheji yezenzo zivela emikhakheni ehlukene nasemazweni lapho ukuthambekela okungalungile okukodwa noma okunye kokunye kungakhombisa ukuthi kuncishisiwe.

Kusho nokuba sezikhundleni zokuthenga izinkampani ezixazululwa kakhulu ngokwezimali okuzoba yizo ezenza kahle kakhulu okwamanje lapho umnotho waseYurophu ekugcineni uzophuma enkingeni yezomnotho ebambe izimali zayo kakhulu eminyakeni yamuva. Kodwa-ke, kuzoba ngumtshali-zimali ekugcineni okhetha ukwakheka kwalezi zikhundla abaphathi ababezilungiselele phambilini, kungaba ngokusebenzisa iziphakamiso zokuzivikela ngaphandle kwengozi eyeqile, noma ngabanye okubandakanya ukuzibophezela okukhulu kwababhalisile, kepha lokho njengenxephezelo futhi kunikeza amathuba amakhulu okubonga ezinyangeni ezizayo uma kwenzeka ukuthi izimali zaseYurophu zibuyela endleleni eya phezulu.

Amathiphu wokuqashwa

Izimali zokutshala imali ezinkampanini zobuchwepheshe zigcina izakhi ezijwayele ukujwayeleka kuyo yonke le mikhiqizo yezezimali. Phakathi kwalabo abavelele ngezansi siyakudalula:

  • Lezi zimali zisekelwe ezinkampanini ezinesisindo esiphakeme kunazo zonke zamasheya aseYurophu naseMelika kanti kwezinye izimo kuzoba yinkinga encane ukuthi uzibhalise ngokuthenga nokuthengisa amasheya emakethe yamasheya.
  • Le yimikhiqizo esekela inzuzo yayo kulokho abakudalayo ezimakethe zezimali. Ngalesi sizathu ziyaguquguquka kakhulu futhi noma kunjalo ziletha izingozi eziningi ekusebenzeni okwenziwayo.
  • Azihloselwe iphrofayili yabatshali zimali abancane nabachazwe kahle kakhulu, njengasesimweni sabathengisi abavikelayo noma abalondolozayo lapho ukuphepha kudlula ezinye izinto ezibalulekile.
  • Kufanele kube yiphothifoliyo yokuphepha komkhakha wezobuchwepheshe okungahlanganiswa nezinye izimpahla zezezimali ngenhloso eyinhloko yokonga imali ngezikhathi ezinzima kakhulu ezimakethe zezimali.
  • Akuzona izimali zokutshala imali obejwayele ukusebenza nazo kuze kube manje ngakho-ke kuzofanele uphrinte elinye ikilasi lamasu okutshala imali.
  • Kunoma ikuphi, izimali zokutshala imali ezinkampanini zobuchwepheshe zingaphansi kwengxenye yomkhakha ngokuqinisekile engaziwa kangako ngabatshalizimali abaphakathi.
  • Futhi ekugcineni, akufanele ubhalisele ngenjabulo ngoba bangakudalela inkinga engaphezu kweyodwa kusukela manje kuqhubeke. Ngendlela yokwehla kwenhlokodolobha enikele kulo mkhiqizo wezezimali.

Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.