Akungabazeki ukuthi elinye lamasu ongawasebenzisa kuma-equities ukukhetha ukuphepha okusabalalisa izinzuzo phakathi kwabaninimasheya. Akumangalisi ukuthi imakethe yamasheya yaseSpain ingenye yezindawo ezinikela ngesivuno esikhulu kunazo zonke okwamanje. Kepha kungukuthi nango-2018 ngaphezu kwesigamu sezinkampani ezifakwe ohlwini zizoyinyusa. Kuyizindaba ezinhle ngokungangabazeki ezizokukhuthaza ukuthi ungene ezimakethe zokulingana. Ngoba uzobe usesimweni esingcono ukuhlanza ibhalansi ye-akhawunti yakho yokuhlola ezinyangeni ezimbalwa ezizayo.
Futhi ungakhohlwa ukuthi lesi yisimo esikhethwe yingxenye enhle ye- abaphathi ukwakha amaphothifoliyo wakho wokutshala imali. Izithelo zokwehlukaniswa kumasheya asekhaya zingaphansi kwamamaki kusuka ku- 3% kuya ku-9%. Ngezinhlobonhlobo zeziphakamiso zokwanelisa isidingo sakho ngazo zonke iziqinisekiso ezikhona. Ngayo yonke imikhakha emelwe kulesi sigaba esikhethekile. Izinkampani zikagesi, amabhange, izinkampani zokuxhumana ngocingo, izinkampani zomshuwalense futhi ekugcineni uhlu olude ukuze ukwazi ukukhetha isiphakamiso esihle kakhulu kulo mzuzu oqondile.
Kule ndlela emkhakheni wemali akufanele ukhohlwe ukuthi kunezinketho ezahlukahlukene kakhulu ezikhona. Kumathuba amahle kakhulu okutshalwa kwezimali, okuvame ukunikela ngezinzuzo ezinhle, eziphezulu nezisimeme. Kuyisu langempela kakhulu lokwenza imali engenayo engaguquki ngaphakathi kokuguquguqukayo. Njengokunye okungaphezu kwangempela kwemikhiqizo yasebhange (idiphozi yethemu, amanothi wesethembiso, ama-akhawunti wemali ephezulu, njll.). Kuzo zonke izimo, kuyaqabukela kweqe amazinga we-1,50%. Izabelo, ngakolunye uhlangothi, okungenani kathathu lezi zimbuyiselo zokonga. Ngendlela ephephile nephumelelayo.
Izabelo ezinkampanini ezinkulu
Lokhu kwabiwa kwabaninimasheya kwenziwa ikakhulukazi ngamanani amakhulu enkomba ekhethiwe yemakethe yamasheya kazwelonke, i- Ibex 35. Ngoba empeleni, iningi labo likunikeza lawa mali ngesikhathi sokuvula izikhundla. Ezinkampanini ezinama-chip eluhlaza okwesibhakabhaka afana neRepsol, iBanco Santander, i-BBVA, i-Endesa noma i-Iberdrola. Kepha nakwezinye ezibaluleke ngokukhethekile njengeFerrovial noma i-Inditex. Kunoma ikuphi, ngeke ube nanoma yiluphi uhlobo lwezinkinga ukusebenzisa leli su lokutshala imali. Isinqumo nje sokwenza ngempumelelo.
Izabelo, ngakolunye uhlangothi, azigcini kuphela enkombeni yokuqala yamasheya kazwelonke. Uma kungenjalo, ngokuphambene nalokho, kukhona nakwezinye izinkampani eziphakathi nendawo. Yize kunjalo ukunikela kwakho ngeke kube kukhulu futhi ezimweni ezinomvuzo njengakuqala. Uzothola le nkokhiso ku-akhawunti yakho yokuhlola ezinsukwini ezimbalwa ngemuva kokuthi zisebenze. Ngakho-ke ungakujabulela uketshezi oluncane lokuhlangabezana nezidingo zakho eziyisisekelo. Noma okungenani uzivumele ufune kancane maqondana nokusetshenziswa komuntu siqu.
Ziziphi izici zayo?
Lapho sikhuluma ngezinzuzo esisebenzisana nazo ngendlela ehlukile yokuqonda imakethe yamasheya. Lapho okubaluleke kakhulu ukutshalwa kwezimali okuphephile nokuzinzile. Ngaphezu kokunye ukucatshangelwa kwezobuchwepheshe nokuyisisekelo. Ungakhohlwa uma ufuna ukuhlela ukunyakaza kwakho kusukela manje kuqhubeke. Ngoba kuningi ongakulethela lo mklomelo okhethekile. Ngezinzuzo ezifana nalezi esikudalula kuzo ngezansi.
- Bazokusiza uhambe ukuthuthukisa isikhwama sokonga unyaka nonyaka. Ngezinga elingakusiza ngalo ukwengeza imali yakho ejwayelekile. Ukuphuma ekugijimeni okungaphezu kokukodwa ekupheleni kwenyanga, ngamafuphi.
- Kuyinto a imali engaguquki futhi enomshwalense lokho kuzokwakhiwa ngaphandle kokuya ngokushintshashintsha kwezimakethe zamasheya. Ngalo mqondo, inokuningi okuphathelene nemali engenayo engaguquki kunemali engenayo eguquguqukayo. Umehluko ocashile okufanele uwucabangele uma ukhetha leli su lokutshala imali.
- Uneziphakamiso eziningi njengoba ufuna njengoba uhlu lwamanani olunikeza lesi sici lungaphezu kokumangazayo. Ngefayela le- ukumelwa kwayo yonke imikhakha yemakethe yamasheya ngakho-ke ungathatha isinqumo ngobunzima obuncane.
- Kuyindlela yokuzinikeza yona ukwedlula imali enkulu ngaphandle kokuhlukana nokutshalwa kwezimali nganoma yisiphi isikhathi. Kuze kube seqophelweni lokuthi ungagcina amasheya kuphothifoliyo isikhathi eside njengoba usho ngokusho kwezidingo zakho zezezimali. Ukhetha imigomo yokuhlala ngokwakho. Mfushane, maphakathi noma mude.
Imbuyiselo ephelele emakethe yamasheya
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi izinzuzo ziyindlela ethakazelisa kakhulu yokwakha kancane i- isikhwama sokonga esingaphansi noma esitebeleni. Akumangalisi ukuthi imele cishe uhhafu wenzuzo isiyonke esiyithola emakethe yamasheya. Ukuba isu elizuzisa kakhulu lezikhathi zokungazinzi okuthile ezimakethe zezimali. Ngoba kulezi zinyanga banikela ngokukhokhiswa kwemali ngaso sonke isikhathi ku-akhawunti yakho yokuhlola. Yize ukuvela kwemakethe yamasheya kungenjengoba ubukulindele kusukela ekuqaleni.
Kusuka kulesi simo esivamile, izinzuzo zenziwa njengendlela yoku kuzuze inzuzo ezikhathini ezineziyaluyalu ngezikhathi zenkinga yezomnotho. Uzohlala uthola imali yokutshala kwakho imali emakethe yamasheya. Ngomholo wabaninimasheya ongafinyelela cishe ku-10% kuziphakamiso ezinolaka kakhulu kunkomba ekhethiwe kazwelonke. Amaphesenti okunzima kakhulu ukuwathola ngisho nangemikhiqizo yezezimali enolaka kakhulu. Ngokukhokha ku-akhawunti yakho okungaba minyaka yonke, okuphakathi nonyaka noma ngekota, kuya ngamasu asetshenziswa izinkampani ezibalwe.
Inkokhelo ekhulayo ngo-2018
Lo nyaka esisanda kuwubingelela wethulwa njengothembele kakhulu kubatshalizimali abancane nabaphakathi abazokhetha le ndlela yokonga. Phakathi kwezinye izizathu ngoba kulo msebenzi izinkampani ezingaphezu kwama-70% zikhuphule izinzuzo. Ngokwezinga lapho kuba yisimo esisetshenziswa ngabaphathi abaningi ngokwengeziwe ukuthuthukisa amaphothifoliyo abo okutshalwa kwezimali. Uma ucabanga ukuthi uhlelo olukhulayo futhi olusimeme ngokuhamba kwesikhathi. Njengoba kushiwo yingxenye enhle yabahlaziyi bezezimali, ukushushisa lolu hlobo lokusebenza ezimakethe zezezimali.
Ngokuphambene nalokho, izinzuzo ziyindlela yokutshala imali engakuvumeli ukuthi ukhiqize inzuzo ngokushesha nangezikhathi ezimbalwa zokuhweba. Akumangalisi ukuthi zidinga isikhathi eside sokuhlala unomphela kunezinye izinkombandlela zokutshalwa kwezimali. Ngisho nangendlela oyifa ngayo, njengoba kwenzekile kubazali bakho noma ogogo nomkhulu bakho kwezinye izikhathi lapho ukuphepha kudlula ubungozi noma ezinye izindlela zobuchwepheshe noma eziyisisekelo. Ungalokothi abahwebi abafuna ukuqoqa izinzuzo zabo esikhathini esifushane ngangokunokwenzeka. Ngaphandle kwezimpawu zenani.
Akuhambisani nempumelelo esheshayo
Vele, ukuphepha okusabalalisa izinzuzo kubaninimasheya abo kuyizinkampani ezine-solvency efakazelwe. Ngoba ukuze banikeze lesi sinxephezelo kufanele babe nezinzuzo kuma-akhawunti abo ebhizinisi. Ngaphandle kwalesi sidingo, akukho ithuba lokuvuza abanikazi bamasheya ngokukhokha lezi zici. Ngakho-ke kuyisizathu salawa magugu kukunikeze ukuzethemba okwengeziwe kusuka manje. Ongasoze wakuthola kuzoba izinkampani eziqagelayo noma okungenani lezo ezaziwa njenge-chicharros. Ngoba akekho noyedwa wabo ozoba nalokhu okubhaliselwe kubatshalizimali.
Imvamisa zivela ezinkampanini ezethula ibhizinisi eliqinile noma ukunwetshwa okuku-inthanethi. Lokhu ngumehluko obalulekile ohlukanisa lezi zinkampani ezibalulwe kumasheya. Ngokwalo mbono ungaqiniseka ukuthi ngeke ube ngaphambi kokushayisana okukhulu ngamanani abo kanye nokuntengantenga kwabo kuzolawulwa kakhulu noma kancane. Ngoba ngaphezu kwakho konke sikhuluma ngezinkampani ezizinzile kakhulu. Zivela emikhakheni efanele ugesi, imigwaqo emikhulu, izinsizakalo zezezimali, umshuwalense noma insimbi, phakathi kwezinye zazo.
Thuthukisa isu elinembile
Ungakhetha futhi ukuqoqa izinzuzo bese ulinda iminyaka embalwa ukuze amasheya akho abone ukuhlehlisa izikhundla. Ngisho nokubuyela kwelinye inani lalezi zici ezifanayo njengokuphindaphindwa kwecebo lokutshala imali. Kunoma ikuphi, kunezinhlelo eziningi nezinhlobonhlobo ongazisebenzisa manje ukuzuza kulo mnikelo ojabulisa kakhulu kubatshalizimali abaningi abancane nabaphakathi. Kwakudinga ukubekezela okuncane kanye nemithamo eminingi yokubekezela ekwenzeni lo msebenzi ebudlelwaneni bakho nezwe lemali elihlale liyinkimbinkimbi.
Ngaphandle kwalezi zindlela ezikhetheke kakhulu, ungashiya futhi izikhundla ngesikhathi esiqondile lapho inani lidonswa kwi-akhawunti yokonga. Ukuhlala ezimakethe zamasheya noma umane uzinikeze izinsuku ezimbalwa zokuphumula. Ukuzama ukuthola wonke amathuba ebhizinisi akhiqizwayo kusukela manje kuqhubeke. Okuthile okuzokwenzeka impela, noma ezimeni ezingazinzile kakhulu zamasheya. Ngakolunye uhlangothi, ungahlala ukhetha ukuthi yisiphi isikhathi esifanelekile sokukhetha lolu hlobo lwecebo emakethe yamasheya. Ngezindlela ezahlukahlukene ngezindlela zokusebenza.