Ukwazi ukuthi yisiphi isitoko esisebenze kabi kakhulu ku-benchmark index yaseSpain kungaba usizo kakhulu ekuphatheni iphothifoliyo yakho. Lokhu akusizi nje kuphela ekunqumeni ngamasu ukuthi yiziphi izitoko okufanele uzilahle ukuze wandise ukonga kwakho, kodwa futhi nasekulindeleni izinguquko zemikhuba ezingase zithuthukise amanani azo zibe amazinga enzuzo ethe xaxa. Kunoma ikuphi, lolu lwazi lubaluleke kakhulu kubatshalizimali abancane nabaphakathi, njengoba lunikeza umbono oqondile wokusebenza kwamanje kwesitoko, nakuba kungadingeki ukuthi kube sesikhathini esiphakathi neside.
Kusukela kulo mbono ojwayelekile, ulwazi olubaluleke kakhulu ukuhlonza umuntu owenza kabi kakhulu kwi-Ibex 35. Lokhu kubaluleke kakhulu uma kubhekwa ukuthi le nkomba enkulu yemakethe yamasheya yaseYurophu ikhuphuke kancane ngaphezu kuka-10% kulo nyaka . Ezikhathini zokuhweba ezingu-52 ezedlule, inani layo lezabelo liye lashintshashintsha phakathi kobubanzi obukhulu kakhulu, kusukela kumaphuzu angu-8.500 kuya kwangu-11.000. Konke lokhu kwenzeke ngonyaka okwakubonakala sengathi awuzange ufinyelele amazinga amahle kangaka. Eqinisweni, abanye abahlaziyi bezezimali babebikezele ukulungiswa kwamanani ayo ezabelo.
Ngakolunye uhlangothi, kubalulekile futhi ukukhumbula ukuthi amasheya aseSpain abelokhu esesimweni esihle iminyaka eminingi. Futhi akungabazeki ukuthi lesi simo ekugcineni kuzodingeka siphele, mhlawumbe ngokuzumayo, njengoba abanye ochwepheshe bezimakethe zezimali besikisela. Lokhu, ngokubanzi, kuyisimo semakethe yamasheya aseSpain kulo nyaka. Njengoba kusele amasonto ambalwa ngaphambi kokuhlolwa kokugcina kokusebenza kwayo ngo-2017, kuyasiza kakhulu ukuhlonza abenza kahle kakhulu nababi kakhulu ku-benchmark index.
IMapfre ezansi kwamanani ngo-2017
Elinye lamaqiniso abaluleke kakhulu ngemakethe yamasheya yaseSpain ukuthi inkampani yomshuwalense iMapfre ibe yinkampani eqhuba kabi kakhulu kwi-Ibex 35 phakathi nalesi sikhathi. Intengo yayo yamasheya okwamanje iku-€2,72 , okumele ukwehla kwentengo cishe ngo-6%, ngokungafani kakhulu nezinye izitoko ezibonisa ukuthambekela okukhuphukayo, ezinye ngisho nezinzuzo ezidlula u-10%. Ezikhathini zokuhweba ezingu-53 ezedlule, intengo yayo yamasheya iye yashintshashintsha phakathi kobubanzi obukhulu kakhulu, phakathi kuka-€2,53 no-€3,30, okubonisa ukuthi okwamanje ihweba ekugcineni okuphansi kobubanzi bayo bamanani. Leli kungaba ithuba lokuthenga amasheya ngenhloso yokufinyelela ekugcineni okuphezulu kwalolu bubanzi bamanani.
Ngakolunye uhlangothi, iMapfre okwamanje inikeza isivuno senzuzo esingu-5,35% , okusibeka phakathi kwezinkokhelo zenzuzo eziphezulu kakhulu kubanikazi bamasheya. Lokhu kuqinisekisa imali engenayo eqinisekisiwe njalo ngonyaka, ngenxa yesu eliyingqayizivele elidala ingxenye yemali engenayo ezinzile ngaphakathi kwengxenye eguquguqukayo. Lokhu kuyisikhuthazo esengeziwe sokuthatha isikhundla njengamanje. Ngaphezu kwalokho, lesi isitoko esimanzi kakhulu esinenani elikhulu lamasheya ahweba njalo ngeseshini, okwenza kube lula ukutshala imali, njengoba kuvamile ngamasheya aphakathi nendawo ikakhulukazi amancane.
Qalisa ngesikhathi esifushane
Amasheya eMapfre okwamanje asekuthambekeleni kokwehla kwesikhathi esifushane kuya kwesiphakathi. Ngemuva kokufinyelela inani eliphakeme lama-€3,3 ngesabelo ngo-Ephreli , ngokungafani nezinye izitoko eziseduze nayo, azikho izimpawu ezibonisa ushintsho ekusebenzeni kwayo ezingakukhuthaza ukuthi uthathe isikhundla kule nkampani ebhalisiwe. Lokhu ekugcineni kungenye yezingqinamba ezinkulu lapho kuhlaziywa ukuba khona kwayo emakethe yamasheya kulo nyaka. Ngokuqinisekile, akukaze kube okwanelisayo njengoba abatshalizimali abancane nabaphakathi babenethemba ekuqaleni konyaka.
Kunoma ikuphi, ungabona ukuthi esikhathini esifushane ithola kanjani ukwesekwa kwesikhashana cishe ngo-€2,5, ngaphambi kokufinyelela amazinga anzima kakhulu njenge-€2,2. Kodwa ungakhohlwa ukuthi ingcindezi yokuthengisa iyanda phakathi kwabahlaziyi bezezimali, ikakhulukazi ngemuva kokuphula umgoqo obalulekile we-€3,20. Ngamanye amazwi, imizwa yemakethe okwamanje isobala ukuthi ithambekele ekuthengiseni . Ngakho-ke, akukho themba lokuthi izophinde ikhuphuke ezinyangeni ezizayo, okungenani hhayi ngasekupheleni konyaka, osekuyisikhathi esifushane kakhulu sokufaka engcupheni izikhundla zakho ezinde.
Ukunciphisa izinzuzo kuleli hlobo
Imiphumela yebhizinisi likaMapfre ayizange ibe mihle njengoba izimakethe zezimali bezilindele. Kude nalokho, njengoba inkampani yomshuwalense ehamba phambili eSpain ithole inzuzo eningi engu-€444,6 million phakathi kukaJanuwari noSepthemba. Lokhu kumele ukwehla ngo-22,3% uma kuqhathaniswa nesikhathi esifanayo ngonyaka odlule , ngenxa yezindleko ezibangelwe yizinhlekelele zemvelo zakamuva eNyakatho Melika naseCaribbean, njengoba kuchazwe yinkampani uqobo. UMapfre uphinde wanezela ukuthi ngaphandle kwalezi zigameko, inzuzo ebangelwayo ngabe ikhule ngo-8,6%. Lo mehluko uchaza ukusebenza kwenkampani emasontweni amuva nje.
Olunye ulwazi oluthakazelisayo oluboniswe kule miphumela ukuthi, maqondana nomholo wabanikazi bamasheya, futhi naphezu kokwehla kwenzuzo, ibhodi labaqondisi livumile isabelo sesikhashana sama- euro angu-6 ngesabelo ngasinye kusukela emiphumeleni ka-2017 . Noma kunjalo, inani eliphelele ekupheleni kukaSepthemba lifinyelele ku-€10.792 billion, kanti izabelo zimi ku-€8.781 billion, kanti izimpahla eziphelele zifinyelele ku-€67.733 billion. Kunoma ikuphi, imiphumela ayizange yamukelwe kahle yizimakethe zezimali, ezasabela ngokuncipha okusabalele okungazange kukhuthaze ithemba phakathi kwabatshalizimali ababefisa ukuthatha isikhundla kulesi sabelo somkhakha womshuwalense.
Ukuhlaziywa okuhle ngenkampani
Njengoba lesi sihloko sibonisa ngokusobala, umuzwa phakathi kwama-ejenti ezezimali awumuhle kangako ngalesi sitoko. Kodwa-ke, kuhlale kukhona abanye abaxhumanisi bezezimali ababona umbono ngendlela ehlukile. Lokhu kunjalo ngabahlaziyi be-XTB, abaphakamisa ukuthi okubi kakhulu kuphelile ngeMapfre futhi balinganisela intengo yayo eqondiwe cishe ku-€3 ngesabelo esikhathini esimaphakathi. Baze babone izinguquko ezinkulu ezinkomba ezithile zokusekela lokhu kuguquka kwesimo, okungamelela ukukhuphuka okungenzeka cishe ngo-5%.
Kodwa-ke, uma intengo idlula emgomweni obalulekile we- €2,48 ngesabelo , okuhambisana namazinga okusekela angaphambilini, isimo sizoshintsha kakhulu. Ngale ntengo, kufanele ucabangele isikhundla sokuthengisa. Kulokhu, izinsuku ezizayo zizoba zibalulekile ekunqumeni indlela yomkhuba kusukela kuleli phuzu kuya phambili, okukuvumela ukuthi wenze isinqumo esinolwazi oluthe xaxa ngokusekelwe ekuhlaziyweni kobuchwepheshe okunengqondo. Akuyona into engaqondakali ukuthi amasheya eMapfre aphakathi kwalawo aqashelwa kakhulu ngabatshalizimali abancane nabaphakathi, ikakhulukazi labo abanendlela yokulondoloza noma yokuzivikela ezimakethe zamasheya.
Finyelela izinhloso zabo
Kubalulekile futhi ukuqaphela ukuzimisela kwabo ukufeza imigomo yabo yebhizinisi naphezu kwezinhlekelele zemvelo ezenzeke kuleli hlobo. Kunoma ikuphi, inkampani ngokwayo ikholelwa ukuthi imiphumela ikhombisa amandla ayo nokuqina kwayo. Bathi ikulungele ngisho nokuphatha zonke izinhlobo zemicimbi yemvelo, njengaleyo eyenzekile kuleli hlobo. Bagcizelela ukuthi " amandla ezezimali kanye nekhono leMapfre akunakungatshazwa, futhi siyaqhubeka nesu lethu lokukhula elinenzuzo." Lesi sici singavuselela amanani, okungenani esikhathini esiphakathi neside.
Kunoma ikuphi, futhi njengesici esihle senani layo, ingenye yezinketho zamasheya ezinethuba elikhulu lokukhula ezinyangeni eziyishumi nambili ezizayo. Njengoba isebenza kabi kulo nyaka, okwenza ibe yi-Ibex 35 eyenze kabi kakhulu, inendawo enkulu yokululama emananini amanje. Futhi ngokuqinisekile ikhulu kakhulu uma iqhathaniswa nezinye izitoko ku-index, njenge-BBVA, i-Repsol, i-Iberdrola, ne-Red Eléctrica, phakathi kwezinye izinkampani ezivelele.
Ngokwalokhu kubuka, kunokuningi okufanele ukuzuze kunokulahlekelwa kusukela manje kuqhubeke. Yize kuhlinzekwe ukuthi uthatha ubungozi obutholakala kulolu hlobo lomsebenzi ezimakethe zezimali. Ngalo mqondo, ungahle ulingeke ukuthi uvule izikhundla kwelinye lamanani abaluleke kakhulu kunkomba ekhethiwe yaseSpain. Kepha ucabangela isimo sakho samanje. Ngaphandle kokuba enye yeziphuphu eziluhlaza okwesibhakabhaka zaseSpain, kungenye yezindlela zokubheja eziyinhloko ngaphakathi kwezinkampani ezincane nezisemaphakathi.