Chimwe chezvinhu zvakakosha zvaunofanira kuterera paunenge uchiita chero mhando investments Ndihwo huremo hwekushomeka hune iyo asset kana yemari chigadzirwa. Nekuti kwete mazviri zvichagara zvakafanana, sezvauchaona kubva zvino zvichienda mberi. Uye zvakare, zvinoenderana neakakosha musiyano, iwe unozogona kusarudza kuti ndeipi mota yakanakisa kuita kuti kuchengetedza kwako kubatsire. Iko ichave zvakare iine zvakawanda zvekuona kuti ndeapi maficha aunounza seadiki nepakati investor pane imwe nguva.
Liquidity yakakosha kuitira kuti iwe ugone kuve yakagwinya kwazvo yekutarisa account. Uye pamusoro pezvose kubata nemabhadharo makuru pakuchengeta kwako imba. Kubhadharwa kwechikwereti chako, zvikwereti zvemumba kana kunyangwe izvo zvinodhura zveyunivhesiti kudzidza kwako. Nekuti mune ino pfungwa, hazvisi zvese zvemari midziyo kana zvigadzirwa zvichave zvakafanana mvura. Iwo akabatanidzwa kumusika wemasheya haana chekuita neaya akagadzirwa kuburikidza nekutenga furati. Ivo vakasiyana zvakanyanya sezvo zviri nyore kunzwisisa.
Chimwe chezvinangwa zvako zvakanyanya ndechekuti mushure mekupedza basa rauinaro mari iri muakaundi yako yekutarisa kana kuchengetedza. Asi iwe unofanirwa kuziva kuti hazvisi zvese zvigadzirwa zvinopa chinhu ichi. Kwete zvakati wandei uye nekudaro iwe unofanirwa kuona iwo mwero wekukurumidza waunoda kubva zvino zvichienda mberi. Saka iwe haugone kuwana chero kushamisika kwakashata kubva ikozvino Nekuti pane zvimwe zvinhu kana zvigadzirwa zvemari zvinogona kukupa zvinopfuura zvinotyisa paunenge uchigadzira kutengesa.
Liquidity mumusika wemusika mashandiro
Ehezve, kana iwe uchida kuti mari yako ive muaccount yako mumaawa mashoma, hapana zvirinani pane kutenga nekutengesa zvikamu pamusika wemasheya. Maitiro aya hazvingatore anopfuura maminetsi mashoma kunyatsogadziriswa. Saka kuti nenzira iyi, iwe unogona kugovera iyo huwandu kune icho chinangwa chaunoda. Nekushandisa kwayo kunoenderana makomisheni uye zvimwe zvinoshandiswa mukutungamira kwayo. Inobata zvese kuchengetedzeka kwemari, pasina kusarudzika chero mhando. Kunyangwe kubva kubhangi kwawakaita kondirakiti yekuchengetedza. Hazvishamisi kuti ichi ndicho chimwe chezvinhu zvakasarudzika zvehombodo zvakajairika.
Kune rimwe divi, haufanire kukanganwa kuti oparesheni iyi inogona zviite chero nguva indekisi yemasheya mauri kutengeserana yakavhurika. Kubva pakombuta yako kana nharembozha kufamba kwacho kunenge kuchikurumidza. Kunyangwe mune chengetedzo ine yakaderera degree yemari, iwe unogona kuve uine dambudziko kuita yako kutengesa sezvo iwe uchinge wawana mamwe matambudziko ekuwana iwo anodikanwa vatengi. Hazvishamise kuti, ndiko chete kusiyana kwaunogona kuwana nechakajairika chigadzirwa kuti uite mari.
Mhosva yakapesana: kutengeswa kweimba
Vamwe vatengesi vanosarudza ino yega pfuma kuti vawane mari yavo. Pakati pezvimwe zvikonzero nekuti iyo kushanda mashandiro inogona kuve yakakwira zvakanyanya kupfuura kuburikidza nezvakajairika zvigadzirwa zvemari. Kubva pane iyi nzira, zvinogona kutora mwedzi mumwe, miviri, mitatu kana kutopfuura kusvika iwe uine mutengo wekutengesa waitwa. Zvese izvi mhedzisiro yemaitiro akareba. Iyo real estate agency, zvinyorwa uye kunyangwe iwo maonero e notary iye anopindira mune zvese. Zvinotora nguva yakareba usati wagona kunakirwa nemari iyi.
Chero zvazvingaitika, hauzove nayo nekukasira saka uchafanirwa kumirira kuti ushandise zviwanikwa izvi mune yako portfolio. Iko kukanganisa kukuru kwekusarudza iyi mari ndeyekuti inotongwa nemitemo yakasiyana. Ivo vaviri mukuhaya kwavo uye mu process Inofanirwa kuvandudzwa kubva pakutanga kusvika pakupedzisira. Kusvika pakuti iwe uchafanirwa kuve nerunyararo rwepfungwa kusvikira iwe pakupedzisira wave nemari muruoko rwako. Iyi sarudzo inoitirwa vatyairi pasina kudiwa kwemari inokurumidza. Kana zvisiri, pane kudaro, kuti iwe unogona kumirira kwenguva yakareba kuti usvike pane ino mamiriro anodikanwa nevose.
Mari yekudyara: mirira mazuva mashoma
Iyi sarudzo yepakati kuve nemari yakachengetwa. Iwe hauchazove nacho pazuva rimwe chete raunoita rekutengesa basa. Asi zvinopesana, ichaitwa zuva rinotevera kana kunyangwe mune zvimwe zviitiko uye zvichienderana nemaneja pane rimwe zuva. Kwete pasina, mune ino nyaya ivo vanofanirwa kukubvunza iwe kumiswa kwemasheya ako. Ichi ndicho chimwe chezvikonzero nei kunyoreswa kusingabhadhariswe nekukasira, sezvazvinoitika mune zvimwe zvigadzirwa zvemari. Zvisinei kuti imari yemari inoshanduka inogadzirisa kana kubva kune mamwe mamodheru.
Mari yekudyara kuburikidza neiyi sisitimu yekugadzirisa inokutadzisa iwe kubva kugona dzorera zvakare mune imwe mari mari kubva kumabasa aya. Ichi chinhu chisingazivikanwe kune vakawanda vashoma uye vepakati varimi. Kusvika padanho rekuti ivo vangazoshamisika kuti izvi zvemari hazvimo mune yavo yekutarisa account mukati memaawa ekuvhara kushanda. Hazvishamisi kuti aya mafambiro akaomesesa anoda imwe nguva yekugadziriswa kwavo kwekupedzisira.
Zvimwe zvigadzirwa zvakaomesesa
Pane zvinopesana, iri kirasi remafomati ekudyara uye ayo anomiririrwa ne kutengesa chikwereti, mvumo kana zvigadzirwa Ivo vanopa mhinduro yepakati pakati pekudyidzana mari uye kutenga uye kutengeswa kwezvikamu pamusika wemasheya. Pakati pezvimwe zvikonzero nekuti vanofungidzira mashandiro kuti asamhanye sekutenga nekutengesa masheya pamusika wemasheya. Ivo vanowanzo mhanya mukati pasina kumberi kupfuura maawa mashoma. Saka kuti mushandisi ave nezvibereko zvekushanda kwavo zviripo mune yakabatana account. Kunyangwe mune vamwe, senge mari yekutsinhana-inotengeswa, inogadzira nguva yakafanana neiya yemari yekudyara.
Iyi kirasi yezvigadzirwa zvemari zvinoreva kuti kwavo kurongeka hakukurumidze sevamwe zvakajairika. Asi kunyangwe zvakadaro, vanowira mukati memamwe mazwi kana mashoma anogamuchirwa kune vakawanda vashoma nepakati varimi. Nekugamuchirwa kwemakomisheni ayo achabviswa kubva pakubhadhara kweaya mashandiro. Icho chokwadi chinogamuchirwa mune ese aya mamodheru ekudyara. Ndokunge, iwe unenge uine mvura asi nekumirira kwenguva refu. Iyi ndiyo inonzi ndege yepakati muzvigadzirwa zvemari.
Mhedzisiro yemari yakatarwa
Nezve mafomati emari yakatarwa (nguva yekuisa mari, manotsi ekuvimbisa kubhengi kana kunyangwe mune mamwe maaccount anemari yepamusoro), ma mechanics akafanana chaizvo nemimwe mienzaniso yapfuura. Nenzira iyi, iwe unenge uine mvura kutenderera zuva kana maviri sezvo wavhara mashandiro. Vachaenda vakananga kuaccount yako yekutarisa uye vasina chero mhando yemakomisheni kana zvimwe zvinoshandiswa mukutarisira kwavo kana kugadzirisa.
Muzviitiko izvi, kushomeka hakuzove nekukasira, asi zvirinani pasina anopfuura maawa makumi maviri nemana maawa ekugadziriswa kunenge kwaitwa. Uye zvakare, iko kuvhiya kunozoitwa zvemahara zvachose zvemakomisheni uye zvimwe zvinoshandiswa mukutarisira nekuchengetedza. Kune rimwe divi, kunyangwe chibharo chikasabhadharwa, hapazove nedambudziko kubhangi kuti riite chero mhando yekushanda pane yakafumurwa mari kune izvi zvigadzirwa zvebhangi. Icho chinhu chinoratidzira icho kubva kune akaomesesa ekudyara mamodheru, ayo anovaka zano ravo pakutora zvinzvimbo mune mimwe misika yepasi rose.
Chii chekuita kunzvenga matambudziko?
Chero zvazviri, kune mimwe mirau yakakosha iyo inogona kukubatsira iwe kuti usapfuure nemamiriro asinganzwisisike asingadiwe. Nekuti kana izvo zvaunoda kuve nemari muaccount yako yekutarisa, chinhu chinonyanya kurairwa kusarudza zvigadzirwa zvemvura zvakanyanya (kubhengi kana zvemari) zvenguva iyoyo. Kana, kune rimwe divi, iwe uine mari inodiwa kuti utarisane ne zvimwe zvinokurumidza kubhadhara unogona kuve unochinjika musarudzo. Kusvika padanho rekuti iwe unogona kunonoka iyo nguva yauchazadzikiswa pamwe nemari yakadyarwa.
Imwe nzira inobatsira chaizvo mune izvi kesi ndeyekusarudza anokasira emakwenzi emari yekuyedza kunongedza zviwanikwa zvako kune zvimwe zvigadzirwa zvemari. Saka hapazombove nenguva yekumirira inogona kunonoka chero rudzi rwekushanda mumisika yemari. Vachaenda nenzira inoenderera, imwe mushure meimwe. Kutora mukana wese wemabhizinesi mikana anomuka chero nguva. Ichave pasipoti iyo inokutendera iwe kuvhurira kune zvitsva zviitiko mune yekudyara chikamu.
Chekupedzisira, chigadzirwa chemvura chakanyanya chinogara chichikupa iyo solvent balance mune yako yekutarisa account. Nezve iyo yekutarisana nayo mari inogona kugadzirwa kubva kune yako upfumi hupfumi. Kusvika padanho rekuti pasina kupokana iwe uchasvika mune chinzvimbo chiri nani pakupera kwemwedzi. Pasina zvirambidzo zvinogona kudzikamisa mafambiro mumhuri yako kana bhajeti rako pachako. Ehezve, hachisi chimwe chinhu chepamusoro zvekuti iwe haufunge nezvacho kubva zvino zvichienda mberi. Kunyanya kana iwe uchida kuwana imwe mhando yekudzoka pane ako emari zvipo. Izvo zviri kumagumo ezuva zvazviri.
Mhoroi Jose, ndinobvumirana nezvose zvawataura, zvakanyanya ndinotenda kuti ndicho chimwe chezvinhu zvakakosha pakurima mari yedu. Nei ndichiitenda? Chii chinoitika kana iwe ukaita investa isiri yakanyanyisa mvura uyezve uchizoda kudzosera mari yacho?
Muenzaniso wakanakisa kutengeswa kwepfuma inova midziyo isina mvura.
Kana iwe uchida mari, uchaona kuti haugone kuitora kunze kwekunge waita kutengesa nekukurumidza nemutengo wakaderera, nekudaro uchirasikirwa neiyo mari.
Ndokusaka ndichifarira kuisa mari mumusika wemasheya mumatumba asina kugadzikana emakambani makuru nekuti panogara paine kufamba.