Ukutshala imali emakethe yamasheya ngamadiphozi amathemu

Amadiphozithi nemikhiqizo exhunywe emasheya ngamanye amafomula iningi labashuwalense kanye nezikhungo zezikweletu ezikhethe ukuthatha imali egcinwe ngamakhasimende abo. Ukunikeza inzuzo phakathi kuka-2% no-5% ngokwesilinganiso, ngamanani amancane kusuka kuma-euro angama-5.000. Yize ungahlala uthola umkhiqizo walezi zici kulo mkhakha ngeminikelo ebiza kancane, cishe ama-euro ayi-1.000 XNUMX. Kunoma yiziphi izimo, kungenye indlela onayo okwamanje ngenxa yobuthakathaka bemikhiqizo ehloselwe ukonga ngasese.

Ngaphakathi kwalesi simo, lesi sigaba semali ebhange yesikhathi esinqunyiwe singaba yisixazululo ekushodeni okulindelwe kanye nenzuzo ezimakethe zezimali. Lapho izibikezelo zingahle khona kulo nyaka okhona, kepha ngokuphambene nalokho, zihamba nokwehla kwemali okungabeka i-Ibex 35, ngokwesibonelo, emazingeni cishe amaphuzu angama-7.000 noma ama-7.500. Isizathu esingeziwe sokuncika ekubambeni okuxhunyaniswe nezimakethe zezimali. Zifinyeleleka kuwo wonke amaphrofayli okonga futhi kulula kakhulu ukuzenza zibe semthethweni.

Ngakolunye uhlangothi, kufanele ubone ukuthi cishe wonke amabhange anomkhiqizo walezi zici ekunikezweni kwawo okuthile. Ngamafomethi ahlukile futhi kuxhunyaniswe nezimpahla ezahlukahlukene zezimali emakethe yamasheya. Vele, unochungechunge lweziphakamiso ongazenza zibe semthethweni kunoma yiluphi uhlobo lwendlela yokutshala imali kusuka kumadiphozithi asebhange. Ngaphandle kokuthi izimpahla zezimali zingashintsha kanjani ezinyangeni ezizayo futhi lokho kungaletha ezinye izimanga kubatshalizimali.

Izintela ezixhunyaniswe nemakethe yamasheya

Lezi zinhlobo zemikhiqizo zikuvumela ukuthi utshale imali ezimakethe zamasheya kodwa ngaphandle kokuthatha izingozi okususelwe ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Phakathi kwezinye izizathu ngoba ngeke ube nokulahleka okungaba khona kwale misebenzi. Uma kungenjalo, ngokuphambene nalokho, ngeke uthathe ingozi kodwa ngeke nje uzuze inzuzo emenyezelwe imali yasebhange exhunywe emakethe yamasheya. Lesi sigaba semikhiqizo singaba nenzuzo esondele ku-5% uma izinhloso zokutshala imali zifeziwe. Ukube bekungenjalo, kuzofanele ukhokhele inani eliphansi lenzalo ebelizobe liphansi kakhulu, elizungeze u-0,10% futhi lihambisane namanye amadiphozi wendabuko.

Ngenkathi ngakolunye uhlangothi, imali yasebhange exhunywe emakethe yamasheya ibonakala awanalo uhlobo oluthile lwamakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni. Lokho wukuthi, ngeke kukubize i-euro eyodwa futhi yonke inzalo izokuya ku-akhawunti yakho yokonga ngokuphelele. Ngokukhokhelwa kwezimali okwenziwa ngekota ngekota, unyaka nonyaka noma ngonyaka, ngokuya ngezimpawu zomkhiqizo onikwe isivumelwano. Esinye isici okufanele sibhekwe ukuthi lokhu kusebenza kuncike ekubanjweni kwentela okuhambisanayo njengakwamanye amamodeli anezici ezifanayo.

Imigomo yokuhlala ebiza kakhulu

Ngakolunye uhlangothi, imali yasebhange exhunywe emakethe yamasheya idinga imigomo emide futhi ingafinyelela kufika eminyakeni emi-3 noma engu-4. Futhi ngaphandle kokukhansela kusengaphambili, njengoba kwenzeka ngamanye amadiphozi wesikhathi esimisiwe. Lapho, kuyadingeka ukusho ukuthi kuyadingeka ukuthi imali ingasebenzi isikhathi eside, njengengebe enkulu ekuqashweni kwayo. Kuze kube seqophelweni lokuthi ikwazi ukukhipha izinga lokungena kwemali kubanikazi bayo. Ngoba empeleni, lesi sigaba semali ediphozithi yesikhathi esinqunyelwe asinayo imigomo emifushane, njengoba kunjalo ngamanye amadiphozi angaxhunyanisiwe nokutshalwa kwemali kuma-equity noma kunoma yisiphi esinye isigaba sezimpahla zezimali.

Kunoma ikuphi, kuyindlela ekhetheke kakhulu yokwakha ukushintshana okuzinzile kokonga esikhathini esimaphakathi nesikhathi eside. Yize nge inzuzo encane kakhulu uma imibandela ekutshalweni kwezimali emakethe yamasheya evumela inzalo ephezulu ingahlangatshezwa. Ngakolunye uhlangothi, inzalo itholwa abanikazi bayo ngesikhathi sokuphela komkhiqizo futhi lokho kuzoya ngokushesha kwi-akhawunti yokulondolozwa kwabaphethe. Noma ngabe yiliphi inani abalitholile ngalesi sikhathi senqubo yokwenza ngokusemthethweni le ntela ekhethekile abasindisi abanayo ebhange lamanje.

Izimo ezinzima ukuhlangabezana nazo

Okubi kakhulu ngalo mkhiqizo wasebhange ukuthi ukuze kutholakale inzalo enkulu utshalomali emakethe yamasheya kufanele luhlangabezane nezinjongo eziphansi nokuthi aluzukufezeka kuzo zonke izimo. Kokunye kuyizinhlelo ezingafinyeleleki neze ukuthi kwasekuqaleni kwaziwa ukuthi ngeke zikwazi ukufezeka futhi ngesinye sezizathu esenza balahlekelwe yintshisekelo phakathi kwabasindisi abancane nabaphakathi. Ngoba lapho-ke kuzofanele bakhokhele inzuzo ephansi eqinisekisiwe nalokho kuyaqabukela kweqa amazinga we-0,2%. Ngokuhambisana neminye imikhiqizo yokonga enikezela izici ezifanayo nalena.

Futhi kungakhohlwa ukuthi lesi sigaba samadiphozi esikhathi esinqunyelwe singesinye sezindlela ezimbalwa ezingahle zenziwe ngabasindisi abancane nabaphakathi ukwenza imiphumela ibe ngcono lapho bengenela leli banga lemikhiqizo yezezimali. Lapho okungcono kakhulu abangakunikeza ukuphepha kwakho, futhi noma yini eyenzekayo emakethe yamasheya, kuzokhokhiswa imali encane oyibuyiselwe imali oyifakile. Ngamanye amagama, imali izohlala iqinisekisiwe ngisho nasesimweni esibi kakhulu sezimakethe zokulingana. Njengolunye lwezimpawu zalo eziyinhloko ngaphambi kokuyifaka ngokusemthethweni ebhange lethu elijwayelekile.

Ukuxhuma emakethe yamasheya

Ukuncika kwabo ezimakethe zamasheya kuvame ukwenziwa kubhasikidi wamasheya ezokuphepha kwama-indices aseSpain noma aseYurophu. Imvamisa zimelela kakhulu, njenge Iberdrola, Santander, BBVA, Inditex noma iFerrovial. Ngamanye amagama, izinkampani ezizinzile ezinemali ephezulu kakhulu ezinikeza amandla iphothifoliyo yezokuphepha ezihlanganiswe kumadiphozi alezi zici. Kunoma ikuphi, ongasoze wakuthola kuzoba ngamanani womugqa wesibili noma wesithathu, futhi ngaphezu kwakho konke okokuqagela. Vele ngoba abanandawo kulesi sigaba semikhiqizo yasebhange ngoba akunangqondo ukuyifaka kula mabhasikidi.

Ngenkathi ngakolunye uhlangothi, lezi zimiso zingaphinde zixhunyaniswe nezinye izimpahla zezezimali ezingaphansi kwamasheya. Enye yezinto ezivame kakhulu yizimali zokutshala imali ngokusebenzisa amamodeli amabili noma amathathu angakhuthaza noma akhulise inzuzo yalezi zimali. Njengakwi izinsimbi eziqondile, izinto zokusetshenziswa noma ezinye izimpahla zezezimali efaneleke ngokukhethekile. Phakathi kwalezo ezigqame ngokubaluleka kwazo kukhona uwoyela negolide, okuyimanje okuyizinto ezimbili ezinamandla kakhulu ezimakethe zezezimali. Ukufika ezingeni lokuthi bangathuthukisa inzuzo yalezi zimali zesikhathi.

Ingabe kufanelekile ukubhalisa kubo?

Lona ngumbuzo okufanele uwubuze ngaphambi kokusayina inkontileka ebhange lakho. Kuyiqiniso ukuthi inhloso yayo ukwenza ngcono inzuzo yabo, kepha akulona iqiniso lelo kuyaqabukela kuphumelela leli qhinga ekutshalweni kwemali. Ngokwalokhu kubuka, ngeke ube nenye indlela ngaphandle kokuthi uqaphele kancane ekuthatheni izinqumo ngoba kuzoba yisikhathi eside ukuthi uzobe ungenayo leyo mali oyifakile. Kukhona amanye amasu okutshala imali angcono futhi anelisa kakhulu izintshisekelo zakho okwamanje. Ngaphandle kokuya ngqo ekuthengeni nasekuthengiseni amasheya emakethe yamasheya. Ngoba kumayelana nokuphela kosuku ukwenza imali izuze ngaphezu kolunye uchungechunge lwezinto ezibhekwayo.

Kuyadingeka futhi ukugcizelela ukuthi yimikhiqizo leyo bazofuna inani elikhulu lemali kuwe nokubona ukuthi kukhokha malini ukwenza lolu hlobo lwemisebenzi. Ikakhulukazi uma usemakethe unezinhlobo ezahlukahlukene zemikhiqizo yokonga nokutshala imali. Kungenzeka ukuthi ekugcineni uzofinyelela esiphethweni esiqondile sokuthi ukuqashwa kwabo akunanzuzo ekuvikeleni izintshisekelo zakho. Yize ikunikeza ngezinga eliphezulu kakhulu lezokuphepha futhi awukwazi ukulahlekelwa yi-euro eyodwa. Kepha okubandakanyekile ekugcineni ukwenza ukonga kube nenzuzo ngeziqinisekiso ezithile emazingeni omholo.

Ngenkathi ngakolunye uhlangothi, ungakhohlwa kusukela manje kuqhubeke ukuthi imali yasebhange exhunywe nezimakethe zezimali ilahlekelwe yincazelo yayo kancane. Ngaphambi kokuvela kwemikhiqizo emisha yezezimali yazo zonke izinhlobo ngokwemvelo yayo nokuthi ungabhalisela kalula. Ngokuqinisekisa okukhulu ukuthi ekugcineni uzoba nemali eningi ku-akhawunti yakho yokubheka noma yokonga. Akuxhunyanisiwe kuphela namasheya, kodwa futhi nemali engenayo engaguquki kanye nakwezinye izindlela njengenketho yokutshala imali. Kunoma ikuphi, kuzoba yisinqumo okuzodingeka ukuthi usenze wena kuphela ngokuya ngephrofayili oyivezayo njengomtshali-zimali omncane naphakathi. Ngezikhathi lapho ukutshala imali emakethe yamasheya kungaba yinkinga eyengeziwe.


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Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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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.