Ukutholakala kwemali ephansi kwalezi zivikelo, okwaziwa nangokuthi i-chicharros, kuyisici esivimbela abatshalizimali ukuthi bakwazi ukungena noma ukuphuma ezikhundleni zabo kalula. Lapho ukuguquguquka kwabo okuphezulu kubenza babe ngamanani ayingozi kakhulu otshalo-mali, ngoba kungenzeka thola imali eningi, kodwa futhi ilahlekelwe ngokushesha okukhulu. Ziwumgomo wabatshalizimali abaningi abancane nabaphakathi abacatshangelwayo abafuna ukuthola imali eningi ngesikhathi esifushane ngaphezu kokunye ukucatshangelwa kobuchwepheshe.
Ngaphansi kwalokhu ihlelo banelukuluku njengoba benjalo uphizi, njengasikhathi sinye ubuchwepheshe obuncane kakhulu, zifaka uchungechunge lwamagugu aphawuleka kakhulu ezimali zaseSpain. Ahlukile ngoba ayizinhlokodolobha ezincane futhi anenqwaba yezivumelwano ezingamelele imisebenzi yokuthengisa nokuthenga emakethe yamasheya. Kepha uma kukhona into eyodwa abathandwa kakhulu ngabatshalizimali, kungenxa yokuguquguquka okuqinile okukhonjiswa ngamanani amasheya abo.
Kokubili kulokho okubhekiswe ekukhuphukeni noma ekwehleni kwentengo yansuku zonke, kanye nomehluko phakathi kwezintengo zayo eziphakeme nezincane ezingafinyelela ngokuphelele ku I-10% ngesikhathi esisodwa sokuhweba. Kufika ephuzwini lokuba enye yezimpahla zezezimali okungenzeka kakhulu ukuthi ithuthukise isimo sokuqagela semisebenzi yezabelo. Yebo, kumasheya kunokuvikeleka okuningi kwalezi zici ezikhethekile futhi okuzojabulisa abasebenzisi abajwayele lolu hlobo lomsebenzi, ngakolunye uhlangothi olunobungozi obukhulu ekuhambeni ezimakethe zezimali.
Ukuphepha okuqagelayo: ziyini?
Ngalesi sizinda, imakethe yamasheya yaseSpain ibilokhu ibonakaliswe ngokwethula uchungechunge lwamagugu agcina lokhu kungaguquguquki futhi angenza abatshalizimali imali eningi. Yize, ngenxa yezici ezikhethekile ezikhethekile, zizwela kakhulu ukukhiqiza ukwehla okukhulu kunani lazo. Ngaphandle kokuba yingxenye yanoma iyiphi inkomba ekhethiwe, zimelwe zombili eMakethe Eqhubekayo kanye naku- Enye iMakethe Yesitoko (MAB). Ngezinkampani ezaziwa ohlwini ezifana neSniace, Deoleo, Eurona noma iCodere, phakathi kohlu olude lweziphakamiso zokutshala imali.
Kuzo zonke izimo, lawa ngamanani ayingozi kakhulu ngenxa yokuqagela okuphezulu okumelwe ukusebenza kwawo. Zikulungele ikakhulukazi ukusebenza intraday noma kwenziwe kufayela le- isikhathi esifanayo sokuhweba. Ngokuqondile ngoba bavumela ukwehluka phakathi kwentengo yokungena nephumayo ukuthi ibe banzi kunokujwayelekile. Kepha ngengozi engenakuphikwa yokuthola ukubanjwa izikhundla zabo. Lokho wukuthi, ngentengo ecashuniwe ikude kakhulu nokuthengwa ngenxa yokuguquguquka kwayo okukhulu.
Ungasebenza kanjani ngalawa magugu?
Ngalesi sizathu esiqondile, kuyadingeka ukuthi kube nokuhlakanipha okukhulu ukusebenzisana nalezi zibambiso ngoba zinenzuzo kuphela uma ukubheja kwemakethe yamasheya kwenzeka ngesikhathi esifanele. Okuthile abatshalizimali abanokufunda okuncane ngalesi sigaba samanani abahlali bakhula kahle. Hhayi ngeze, i ukuqonda kufanele kube yiyona ndlela ejwayelekile kuzo zonke izenzo ngabatshalizimali abaphakathi nabancane. Lapho kungatshaliwe yonke imali etholakalayo, uma kungenjalo kunengxenye encane yale minikelo yezomnotho ukuyibeka engcupheni ngendlela engadingekile futhi eyingozi.
Lezi yizihloko ezinesici esivame kakhulu ukuthuthukisa ukuzuza okuqinile okunqwabelana kusukela ekuqaleni kokunyakaza okunamandla. Yize kungenxa yezizathu ezifanayo, bathambekele ekusebenzeni kwe-trajectories eziphambene. Esinye sezibonelo ezicacile simelwe ngu UHard Felguera futhi lokho kugqamisa ubunzima bamagugu la. Kukhombisa ukubuyekezwa kabusha okungaba ngu-10% ngonyaka ka-2018, ngaphezu kwamazinga akhonjiswe yi-Ibex 35, eshiya u-5%. Akunakulibaleka ukuthi umehluko phakathi kwamanani abo aphezulu kanye namanani aphansi kuzo zonke izikhathi zokuhweba uphakeme kakhulu futhi ngaphezu kwawo wonke amanani akha izimali zaseSpain.
Efaniswa nokuguquguquka okuphezulu
Ngokuphambene nalokho, futhi kukhombisa ukwehla okukhulu ekuguqukeni kwamanani abo, kwehle inani lama-68% kule minyaka emibili edlule. Ukuqaphela ubunzima bokusebenza esikhathini esimaphakathi neside. Akumangazi-ke ukuthi ngesinye sezici ezivamile opeleba abanazo: zisetshenziselwa imisebenzi ethile futhi zikhawulelwe ngokwesimo saphakade. Akufanele zisetshenziswe nganoma yisiphi isikhathi, kude nayo. Uma kungenjalo, ngokuphambene nalokho, ngezikhathi ezikhetheke kakhulu lapho kufanele ngempela ukukhetha lolu hlobo lotshalo-mali olukhetheke kangako nolwehluke kakhulu emakethe yamasheya kazwelonke.
Njengomphumela walezi zimpawu, kunemali eningi engatholwa ngokuvula izikhundla, kepha futhi nama-euro amaningi alahlekile endleleni. Ngokuhluka kuseshini eyodwa yokuhweba efinyelela kuma-25%, ngandlela thile, njengomphumela wanoma yikuphi amahemuhemu noma umcimbi webhizinisi oxhumene nezimali zawo noma inzalo yezinye izinkampani ezibalwe. Ngokuhweba okumbalwa kakhulu, izitayela zivame ukuba nodlame kakhulu. Nge- Ushintsho lwethrendi okungenye yezinhlaka ezijwayelekile ezifanele kakhulu zalawa manani wokuqagela noma abizwa ngokuthi yi-chicharros.
Thola lawa manani kahle
Kunoma ikuphi, ukuthola uphizi emakethe yamasheya, akukho okungcono kunokuya kumthamo wabo wokuqashwa kanye nomqaphi ongabameleli babo. Zibonakala ngoba ushintsho lwezihloko emakethe alufinyeleli ezinkulungwaneni ezimbalwa zama-euro. Ngokuphikisana ne- ama-chips aluhlaza okwesibhakabhaka wezimali zikazwelonke ezihweba ngemali enkulu kuseshini yokuhweba, ku cishe i-10 noma i-20 million euro. Noma ezikhathini ezisebenza kakhulu zesilinganiso sabo, uphizi ukuphinda kabili ukuqashwa kwabo. Lesi yisiginali encane yokuthola lawa magugu akhetheke kakhulu ezimalini zikazwelonke.
Esinye isici esichaza lezi zinkampani ukuthi akukho lapho besabalalisa izabelo phakathi kwabaninizabelo zabo. Ngoba imigqa yabo yebhizinisi ayilethi izinzuzo kuma-akhawunti ebhizinisi. Ngakho-ke ngaphezu kweqiniso emabhizinisini abo, kuncike kulokho okulindelwe futhi ngenxa yalesi sizathu basengozini enkulu yokungena amama okuguquguquka ephezulu kakhulu ngamanani abo. Akumangalisi ukuthi lesi sigaba samanani esitokwe asinakuphikiswa futhi sisezindebeni zengxenye enkulu yabatshalizimali abanikezwa lesi sigaba sokusebenza ngendlela engajwayelekile futhi ngasikhathi sinye benengozi enkulu ekunyakazeni okuthathiwe.
Iminikelo yala manani
Kuyiqiniso ukuthi amanani aziwa nge-chicharros nawo angakhipha inzuzo engajwayelekile ngezikhathi ezithile zotshalo-mali. Uyazi ukuthi imiphi eminye efanele kakhulu? Yebo, ukuze ukwazi ukusebenza ngempumelelo kuleli qembu lokutshala imali, ngeke ube nenye indlela ngaphandle kokwazi ukuthi yimiphi eminye yeminikelo emihle kakhulu abangakunika yona nokuthi banayo, yize iningi labatshalizimali abancane nabaphakathi abazi ngalezi zikhathi. Isibonelo, lezo esizokukhombisa zona ngezansi:
- Su amandla aphezulu likhulu futhi kwezinye izimo alinayo nemingcele. Ezinye zazo ziyantuleka kumanani ajwayelekile ngokwengeziwe ezimalini zikazwelonke. Kumele uphile nengozi ephezulu okufanele uyihlole ukuthi ingabe iyahambisana yini nephrofayili yakho njengomtshali-zimali.
- Unefayela le- anhlobonhlobo amanani nalezi zici ezithile. Vele, ngaphezu kwalokho okucabangayo kusukela ekuqaleni futhi ngale ndlela unezinketho eziningi ongakhetha kuzo nokuba khona engxenyeni enkulu yemikhakha yemakethe yamasheya. Kunoma ikuphi, ngeke uphuthelwe iziphakamiso uma ufuna ukwanelisa lesi sidingo emakethe yamasheya aseSpain.
- Enye yezinzuzo zayo ezibaluleke kakhulu ukuthi yilezi zindinganiso zingamanzi kakhulu ngokungafani nenkolelo evamile. Lapho ungeke ube nenkinga ukungena nokuphuma ezikhundleni zabo nganoma yisiphi isikhathi nasesimweni. Yize uyiqaphele kakhulu, ngoba ayithinti wonke amanani wokuqagela, kepha kuphela ambalwa akhethiwe.
- Uma okufunayo kukhona imizwa enamandla Impela ubhekene nokutshalwa kwemali okuhle kakhulu. Ngalesi sizathu, kuphela labo abafuna ukuhlala nalo muzwa okufanele basebenze nalesi sigaba samanani esikhetheke kakhulu kubo bonke abatshalizimali. Akumangalisi ukuthi isisusa esikhulu sabanye babo yingozi ngqo leyo. Kuyiphrofayli echazwe kahle kakhulu yesigaba esithile esithile abanye abatshalizimali abancane nabaphakathi abakhona.
Ubungozi bale misebenzi
- Ngakolunye uhlangothi, kufanele futhi ucabangele futhi uhlaziye ubungozi obubandakanyeka kulezi zinhlobo zokusebenza emakethe yamasheya. Zingaphezu kokucabanga kwakho, kepha sizokhomba ezinye zezingqinamba zale misebenzi.
- Ungakwazi ulahlekelwe yingxenye enhle yenhlokodolobha yakho itholakala ngesikhathi esifushane.
- Kufanele wazi ukuthi usebenza kanjani nalawa magugu, ngaphandle kwalokho izingozi zizokwanda kakhulu.
- Azizwele ngawe ukuthi wenze iminikelo emikhulu yemali ekusebenzeni, kodwa ngaphansi kokuhamba kwe- inani elincane imali.
- Futhi ekugcineni, lokho cishe njalo baphethwe yimithetho yabo futhi abalandeli umkhuba wezimakethe.