Ngemeko yamazinga enzala asezantsi kakhulu, iibhanki sele ziqala ukubiza iinkampani kunye neenkampani ezigcine imali yazo ngedipozithi yekota. Le nyani ibangelwe kukuba ixabiso lemali alixabisekanga kwaphela ngalo mzuzu xa yiba ku-0% kwaye nakumanqanaba amabi emva kwesigqibo semibutho yemali yokunyusa uqoqosho kummandla we-euro. Ngale ndlela, iidipozithi zebhanki zexesha elimisiweyo ziyekile ukuba yinzuzo iminyaka eliqela.
Kule meko ngokubanzi, abasebenzisi beebhanki abaninzi bayazibuza ukuba kuya kufuneka bahlawule imali kusini na ngokufumana imveliso yezi mpawu. Ngokomgaqo hayi, kuba eli nyathelo lisetyenziswe kwiidiphozithi ezisayinwe ziinkampani. Oku kuyakwenzeka kude kube kwinqanaba mega inzala ephantsi Ukuqhubeka kwaye oku kubandakanya ukuba iimveliso zokonga zinomvuzo ophantsi kakhulu kwaye zingaphantsi kokulindelwe ngabathengi bebhanki ngokwabo.
Ngelixa kwelinye icala, ubuncinci benqanaba lenzala likhokelela kukungabikho komdla wokufumana ezi mveliso. Phi kungadluli kwinzala eyi-0,14% Kwiminyaka yakutshanje kwaye ivelise ubuvila obuthile kwicandelo lesevers. Apho kufanelekileyo ukuba kuthathelwe ingqalelo ukusukela ngoku ukuya kuthi ga kwiidipozithi zebhanki zexesha elimisiweyo kubonwe ukubhaliswa kwabo kwehla ngabasindisi abancinci nabaphakathi. Ukuza kuthi ga kwinqanaba lokuba ekugqibeleni sifike kwisigqibo sokuba le misebenzi ayinangeniso kwimicimbi yethu yobuqu.
Iidipozithi ngaphandle kwentlawulo
Iziphumo ezingxamisekileyo zokufumana ixabiso lemali ngaphezulu kwexabiso eliphantsi yilezo ugcino alunabhaso kwiakhawunti yebhanki. Ukuya kwinqanaba lokuba iinkampani zijongane nomdla kwaye zikwicala elingalunganga. Ukuziqhelanisa kuthetha ukuba into icace gca njengoko ingenzi naluphi na uhlobo lwenzuzo. Ngaphandle kokugweba ukuba eli nyathelo linokusiwa kwi-akhawunti yabasebenzisi babucala beebhanki. Ukuthi ekupheleni kosuku baqondise ukonga kwabo kwezinye iimveliso zezezimali. Umzekelo, imali yotyalo mali esisigxina kunye nakwezinye iimeko xa kuthengwa kuthengiswa izabelo kwimarike yemasheya.
Kwelinye icala, awungekhe ulibale ukuba ezi ntshukumo azibonakali ngathi zezokwexeshana. Ukuba akunjalo, ngokuchaseneyo, kubonakala ngathi le ntshukumo yemali ifikile ukuze ihlale ngokusisigxina. Kungenxa yokuba imeko yexabiso lemali iyaqhubeka nokuhla emva kwamanyathelo emali amatsha kumacala omabini eAtlantic. Ekungekho kubonakala ngathi utshintsho olusondeleyo lusondele kakhulu, kodwa ngokuchaseneyo, kuya kufuneka silinde iminyaka embalwa ukuba amazinga enzala anyuke. Akumangalisi ukuba abatyali mali ngabona baxhamli baphambili kwesi sicwangciso ngaphezulu kwabagcini.
Ukonga kohlwaywa
Isiphumo sokuqala sexabiso esinexabiso eliphantsi njengoko kunje okwangoku kukuba abagcini-mali bathambekele kwiimveliso ezahlukeneyo ezijolise kutyalo-mali. Zivelisa umngcipheko omkhulu kwimisebenzi yakho, kodwa kuphela kwendlela yokuphucula imida yokulamla kule minyaka imbalwa izayo. Ngenxa yokungazinzi kokungqinelana namaxabiso abo kuba behambelana nomthetho wobonelelo kunye nemfuno yezinye iintlobo zokuqwalaselwa kobuchwephesha.
Kule meko ngokubanzi, kufuneka ubonakalise ukuba amaxabiso wenzala ngeli xesha yinto ecothisa ukonga iintsapho zaseSpain. Ukuza kuthi ga kwinqanaba lokuba babe semngciphekweni ngakumbi kwizikhundla zabo ukuba bafuna ukuphucula inzuzo yabo ukusukela ngoku. Akusekho mbuyekezo imiselweyo ehlangabezana neemfuno zokugcina ezincinci kunye neziphakathi. Ukuba akunjalo ngokuchaseneyo, banengxaki enkulu yokuhamba Ukudala ibhegi yokonga ezinzileyo zethuba eliphakathi nelide.
Iidipozithi ezinxulunyaniswe ne-Eurostoxx 50
Elinye lamaqhinga afumanekayo kubatyali mali abancinci naphakathi ukuze benze imali abayongayo ngaphandle kokuthatha umngcipheko kukudibanisa iidipozithi zebhanki zexesha elizinzileyo kwisalathiso se-equities zaseYurophu, I-Eurostoxx 35. Le fomathi yotyalo-mali inenzuzo eyinkunzi eyenze igalelo kule mveliso yemali iya kuhlala iqinisekisiwe kwaye inakho ukufumana inzala kuyo. Ukufumaneka kwezinye zeebhanki ezisebenza kwilizwe lethu.
Olu didi lweemposos lufuna imfuneko esisiseko kwaye ayikho enye ngaphandle kwesalathiso sesitokhwe ukufikelela kwinqanaba kwixabiso laso. Ukuba oku akuphumelelanga, kuphela ubuncinci bokusebenza obuya kufezekiswa, oko kukuthi ngaphantsi kwe-0,4%. Ngendlela emiselweyo neqinisekisiweyo nantoni na eyenzekayo kwiimarike zezabelo. Ngale ndlela, ukonga kuya kuqinisekiswa kwimeko engalunganga yotyalo-mali.
Kwelinye icala, yimodeli yokonga ejolise kwiprofayili echazwe kakuhle yabatyali mali. Ngemodeli yomsebenzisi kunokuba ndizikhusele Oko kubeka ulondolozo lwenkunzi yakho ngaphezulu kwezinye izinto ezinoburharha. Nokuba kukwindleko yokuyeka ukunyuka okunokubakho kwimilinganiselo yaseYurophu. Kungenxa yokuba asinakulibala ukuba elona zinga liphezulu lenzala kolu hlobo lwedipozithi yi-5%.
I-Eurostoxx 50: ukunyuka kwamaxabiso
Le mveliso yemali ibonakalisiwe ngenxa yokuba ikhontrakthi yayo ayibandakanyi naluphi na uhlobo lweekhomishini kunye nezinye iindleko kulawulo nakulondolozo lwayo. Ngelixa kwelinye icala, inexesha lokuphelelwa lixesha malunga neenyanga ezili-24. Ingaphezulu kancinci kunakwisimo sendabuko kwaye kuzo zonke iimeko ukucinywa kwabo ngokuyinxalenye okanye ngokupheleleyo akuvumelekanga. Esi sisithintelo esinzulu kubasindisi kuba abayi kuba nakho ukufumana imali yabo ixesha elide. Ke ngoko, akusayi kubakho khetho ngaphandle kokulinda ukuphela kwayo. Kwesinye sezithunzi zale mveliso ekhethekileyo yezemali.