Uluvo oluqhelekileyo lwabahlalutyi bezemali kukuba kulo nyaka ukukhula kwezoqoqosho kuya kuqhubeka, nangona ubuncinci obuncinci kune-2018. Kwelinye icala, enye yeempawu zayo ezifanelekileyo kukuba ngokuqinisekileyo kuya kubakho izinto ezininzi zokungaqiniseki kunangoku. Kodwa bakwaqaqambisa ukuba akukho mathandabuzo ukuba amathuba amatsha aya kwenziwa kwiimarike zezemali. Kwaye kuyakufuneka ukuba uzilungiselele ngaphambi kwale misebenzi inokwenzeka, oko kukuthi ngexabiso elipheleleyo kwiakhawunti yokonga.
Ukusuka kule meko ivelayo kwiinyanga ezizayo, aba bahlalutyi beemarike bayaqhubeka ukugxininisa ukuba eyona ndlela yokwenza ulondolozo lube nenzuzo iya kwenzeka kwiimarike ze-equity. Kuba, enyanisweni, ziiasethi zemali ezinokubakho kokukhula okukhulu kule khosi yentengiso yemasheya enzima ephambi kwethu. Nangona kwelinye icala, awungekhe ulibale ifayile ye umngcipheko omkhulu inxaxheba kwesi sigqibo sotyalo mali.
Akunakulityalwa ukuba sivela kunyaka apho isalathiso semilinganiselo yeemarike zaseSpain sisondele kwi-15%. Kwaye ukuba, njengoko iingcali zikolu rhwebo lwezezimali zisitsho, ukukhula koqoqosho kuya kuqhubeka, nangona kunganamandla angaphantsi kune-2018, akukho mathandabuzo okuba kunokubakho okukhulu uloyiko phakathi kwabatyali mali abancinci nabaphakathi iziphumo zinokuba zibi ngakumbi kunonyaka ophelileyo. Le yinyani ekhoyo etafileni kwaye ngenxa yoko kufuneka ijongwe ngononophelo olukhethekileyo kunye nokukhohlisa ekusebenzeni.
Amathuba oshishino
Enye yeendlela ezizezona zilungileyo zotyalo-mali kulo nyaka, ngokoluvo lwenxalenye enkulu yabahlalutyi bezemali, isekwe kwiinkampani cap-phakathi. Zizo ezinokuthi zenze ngcono kunazo zonke ezinye izabelo. Ngale ndlela, elinye lamacebo aphucula le nkqubo yesivumelwano yenziwe ngezixhobo zotyalo-mali ezifuna ukuthenga iinkokheli zeenkampani ezincinci ezidweliswe kwiimarike zezabelo.
Kukho iindlela ezininzi ezinokukwenza ukuba ukwandise ukusebenza kwakho ngaphezulu kwezinye izinto zobugcisa. Ukuya kuthi ga ngoku banokubanakho ukuphinda bavavanye, kwezinye izindululo kwimarike yemasheya, ezifanelekileyo ngakumbi kuninzi lwezokhuseleko lwesalathiso sezabelo semasheya, Ibex 35. Nangona awuzukukhetha ngaphandle kokuthatha umngcipheko omkhulu ekusebenzeni ngenxa yokuba bezisa ukungazinzi okukhulu kulungelelwaniso lwamaxabiso abo. Umahluko obalulekileyo phakathi kwamaxabiso aphezulu kunye namaxabiso asezantsi kwiseshoni enye yorhwebo.
Ukusebenza kumazwe asakhasayo
Isicwangciso sesibini sezicwangciso zotyalo-mali onokuzisebenzisa ukusukela ngoku ukuya phambili Ukuphambuka kokuhamba kwemali yakho Ngakwizikhundla ezivelayo. Zombini ezivela kwindawo yokujonga amaxabiso kunye namazwe abonelela ngolu phawu lubaluleke kakhulu kuwo onke amanqaku. Ewe, kule ngqiqo, icandelo elilungileyo lokubheja kwabahlalutyi bezemali babheja kwezi marike zezemali. Baqikelela ukuba banokwenza ngcono kwizikwere zamazwe ahambele phambili.
Nangona kunjalo, kulo nyaka kuyakufuneka ukuba sikhethe ngakumbi ekuchongeni amathuba oshishino azakuzisa iimarike zezabelo. Phakathi kwezinye izizathu, kuba kuyakubakho iyantlukwano phakathi kokuxabisa kweemarike zezabelo nezinye. Ngokwahluka okunokufikelela kwi-20% emva kweenyanga ezilishumi elinambini ezizayo. Kwaye apho kuya kusoloko kuyimfuneko ukuyithathela ingqalelo loo nto iTshayina yehlisa ixabiso lemali yakho njengoko le nto ngaphandle kwamathandabuzo inokutshintsha ukuvela kwezi ntengiso zesitokhwe zikhulayo.
Khetha iimali ze-telematic
Isicelo esisisiseko salo nyaka sikuso sivela kule asethi yemali ikhethekileyo ukwenza ulondolozo lusebenze ngakumbi. Ngayiphi na imeko, ijelo onokuthi ulukhethe kutyalo-mali ziingxowa-mali zotyalo-mali ezinezi mpawu. Ngaphakathi kubo, ezinye izimvo ziya kukhetho lwamacandelo ngokukhethekileyo njengalawo amelwe yi i-ecology, impilo okanye iirobhothi. Akumangalisi ukuba banokubonga ngaphezulu kunamanye amacandelo emarike yemasheya.
Ingxaki enkulu ekwenzeni esi sigqibo kukuba ziingxowa-mali ezithile zotyalo-mali ezisandula ukwenziwa kwaye ke kuya kuthatha ixesha elide ukuba uzifumane. Kwelinye icala, ezinye zeemodeli zotyalo-mali zithengiswa ngeekhomishini ezibanzi eziza kukwenza uzibuze ukuba ingaba ukuqeshwa kwabo emva kwexesha kufanelekile. Kuyo nayiphi na imeko, zenza enye yezona zinto zimangalisayo zokuba lo nyaka unzima usizise kwiimarike zezemali. Ngaphezulu kokunye ukuthathelwa ingqalelo kobume bobuchwephesha.
Amaxabiso axhonyiweyo ngo-2018
Olunye ubhejo luya kuba lusekwe kwixabiso lentengiso yesitokhwe eliye lavelisa owona msebenzi umbi kunyaka ophelileyo. Ngayiphi na imeko, esi sigqibo sibandakanya umngcipheko omkhulu kunesiqhelo kwezi meko ngenxa yeemeko ezikhethekileyo ezivezwe zezi asethi zemali. Awungekhe ulibale ukuba uninzi lwamaxabiso alandelwe yi ukwehla ngamandla Oko kwenza ukuba ukuthatha izikhundla kube yingozi ngakumbi kwezi zihlandlo zichanekileyo.
Kwelinye icala, le yenye into eyenzelwe iprofayili yomtyali mali encinci naphakathi. Apho imisebenzi inomngcipheko omkhulu khona, nangona ekugqibeleni isiphumo sinokuba sihle kwimidla yakho. Ukuba kuphela u unochuku Ekuvezeni kwakho kwimarike yemasheya, kuya kufuneka uthathele ingqalelo olu khetho kwiimarike zezabelo. Ewe kuyinyani ukuba uya kuba nakho ukufumana imali eninzi kulo nyaka, kodwa ngenxa yezizathu ezifanayo, kukushiyele i-euro ezininzi kwindlela eya kukuthatha ekupheleni konyaka. Ke ngoko, lolunye ukhetho kodwa kuthathwe ngononophelo olukhulu kunenye.
Izimali zotyalo-mali ezichaziweyo
Usenokungayazi, kodwa eli klasi leemveliso zezezimali zibonakaliswa ngokusisiseko kuba zezabo bazama njalo phinda ngeyona ndlela ichanekileyo Ukuziphatha kwesalathiso sesitokhwe okanye isalathiso sengeniso esisigxina kunokwenzeka, uhlala uzama ukuzisusa kancinci kangangoko kwindlela yokuziphatha kwesalathiso. Isicwangciso esiliqili esisebenzayo ukuze singaphambuki kwimida eboniswe zizo zonke ii-indices zamazwe aphesheya. Into enokuthi ikhokelele ekubeni ufumane isimanga esinqabileyo ukusukela ngoku.
Olu didi lweemveliso zemali lube yimfashini kule minyaka idlulileyo ngenxa yeminqweno yabatyali zimali abancinci nabaphakathi phinda ngokulinganayo kwizalathiso okanye amacandelo eentengiso zezabelo. Ngale ndlela, akuyi kubakho kuphambuka, nokuba kungancinci kangakanani, kulunge okanye kubi ekukhuseleni iimfuno zakho. Kwelinye icala, kuyakubalula kakhulu ukulinganisa ubume bokwenene botyalo-mali lwakho kwaye le nto ayinakubonwa ngenkxaso-mali yesiqhelo.
Amandla anokuhlaziywa
Ukuba kukho ukubheja apho icandelo elilungileyo labahlalutyi bezemali liyavuma, ngokungathandabuzekiyo oku. Bakholelwa ekubeni inokuba nomendo oqinisekileyo kunyaka onzima kakhulu kwiimarike zemali ezifana nale. Sisiphakamiso esivelayo ngokucacileyo kodwa esinokukunika ngaphezulu kovuyo olunye kwezi zihlandlo zichanekileyo. Ayothusi into yokuba le klasi yeenkampani ine ukukhula okunokubakho, kwaye ngenxa yoko inzuzo, inomdla kakhulu. Kujikelezwe ngamanani amabini kwaye nakweyiphi na imeko ingaphezulu kunaleyo inikezelwa ngamanye amacandelo ezabelo zamashishini ezingenanzala emisiweyo kuzwelonke.
Kwelinye icala, akufuneki ulibale ukuba eli candelo loshishino lelona lineziphumo ezilungileyo kwimarike yemasheya ngexesha udisemba omnyama egubungele iimarike zezemali. Kwiimeko ezininzi ngebhalansi elungileyo kakhulu ethe ngandlela ithile yamangalisa inxenye enkulu yabatyali mali abancinci nabaphakathi. Ukujongana nemeko entsonkothileyo apho onke amaxabiso esitokhwe ehla ixabiso leseshoni ngeseshoni kwaye kungabikho nakuphi na ukuphuka ekunciphiseni kwawo. Sele uyazi ukuba kuya kufuneka ukhethe amandla ahlaziyekayo ukuba ufuna ukwenza ukonga ngeniso ukusukela ngoku.
Njengoko sele ubonile, izimvo azizukusilela kunyaka ekucingelwa ukuba unzima kakhulu kubatyali mali. Apho ukhetho lwee-asethi eziyimali luya kubaluleka kakhulu, kodwa ngaphezulu kwako konke ukuba nomonde kokwazi ukuba leliphi ixesha apho kufuneka utyale imali yakho. Ngale ndlela, elona cebiso lililo ayikokungxama nangayiphi na indlela kuba ungabhatala imali eninzi kakhulu kwaye ke ushiye i-euro ezininzi kwindlela yonyaka ka-2019. Ukuze ekugqibeleni uyifezekise injongo oyilandelayo kwaye oko kukuthi ekupheleni konyaka ibhalansi yeakhawunti yakho yangoku iyadlamka ngakumbi kunangoku. Usenazo ezimbalwa ukuyila isicwangciso sotyalo-mali.