Indiya? Ngaphandle kokuba lilizwe elihle ukutyelelwa ngalo naliphi na ixesha enyakeni, yenye ye ezinye iindlela ezinikezelwa ngamashishini ukutyala imali oyigcinileyo. Kude kube yiminyaka embalwa edlulileyo bekuqhelekile okanye kungaphantsi kakhulu ukugxila kwimarike yesitokhwe kwimarike zezemali zikazwelonke. Ngabathamsanqa kuphela abakhethe ukushiya imida yethu ukuzama ukuphucula isivuno yeentshukumo zabo kwezi marike zezimali. Kodwa ukudityaniswa kwehlabathi kuqoqosho ngokubanzi nako kuye kwachaphazela abatyali zimali abancinci nabaphakathi.
Ngoku kulula nje ukurhweba ngeemarike zezabelo zamanye amazwe. Inokwenziwa kwibhentshi yakho yesiqhelo, nkqu nezona ndawo zangaphandle zangaphandle onokuzifumana ngalo mzuzu. Abanye babo in Iindawo ekungaqhelekanga njengamanye amazwe aseAfrika okanye aseAsia. Kodwa kukho enye efumana amandla kule minyaka idlulileyo. Ayikho enye ngaphandle kwe-stock market yase-Indiya, enye yezinto ezothusayo eziziswe ngamazwe.
Akunjalo ngaphambili apho kwakunzima kakhulu ukuvula izikhundla kweli lizwe libalulekileyo kwilizwekazi laseAsia. Ngoku ungayenza le misebenzi ibe sesikweni nangaliphi na ixesha nakwimeko. Ngoncedo ekuphela kwalo lokuba imisebenzi yokuthenga nokuthengisa ibonise ezinye iikhomishini ezibanzi ngakumbi kunakwimakethi yentengiso yaseSpain okanye kwiimarike zommandla we-euro. Apho amaxabiso ale misebenzi anokuphindaphindwa. Yinto ekufuneka uthembele kuyo ukuba ufuna ukutyala imali oyigcinileyo kule ndawo ukusukela ngoku.
I-Indiya: isivuno esiphezulu
Imarike yemasheya yaseIndiya ibumba ukuba ibe yenye yezona zinto zixhaphakileyo emhlabeni. Apho izikhundla zabathengi zibeka ngokucacileyo kubathengisi. Isalathiso sayo esiphambili sibonisa Uhlaziyo olungaphezulu kwama-50% Ngexesha leminyaka edlulileyo. Ngokuphambuka kokuhamba kwemali okubalulekileyo okuvela kumazwe asentshona anomdla wokuvula izikhundla kwezinye zokhuseleko ezidweliswe kolu rhwebo lubalulekileyo lwezemali.
Las amanyathelo okhululekileyo kukhuthazwe ngumphathi waseIndiya sesinye sezizathu ezichaza ukunyuka kwamaxabiso ezabelo zawo eziphambili. Ngamanye amaxesha, ngaphantsi kwepesenti ayinakucingwa kwaphela kwiimarike zentengiso zasentshona. Le nyaniso ibangela ukuba abatyali zimali abaninzi nabancinci abancinci nabaphakathi bajonge kule marike yemasheya. Ayisosenzo esingaqhelekanga, kodwa ngokuchaseneyo, sisicwangciso esiluncedo kakhulu sokwenza imisebenzi enenzuzo kwimarike yemasheya.
Umngcipheko wale misebenzi
Ngazo zonke iindlela, ayisiyiyo indawo ekuya kuguqulwa kuyo kuzo zonke iiprofayili zabatyali mali. Akukho kuncinci, njengoko uya kuba nakho ukuqinisekisa ukusuka ngoku ukuya phambili. Kuba, ayinguye wonke umntu onokukhetha ukuhambisa ii-asethi zakhe e-India. Kuphela ngabo bantu banonyamezelo oluphezulu lomngcipheko abanokuqalisa ngolu hlobo lwemisebenzi ekhethekileyo. Ukongeza iya kusebenza ngokusesikweni indawo encinci yepotifoliyo, ungaze utyalo-mali oluphambili. Esi sisiseko ekumele ukuba kulawulwe iintshukumo zabo bonke abatyali mali. Nayiphi na impazamo malunga noku inokubiza ngaphezu kokumangaliswa okungalunganga ukusukela ngoku.
Kananjalo ukungazi okukhulu kweenkampani zabo kunokuba ngumthwalo omkhulu ekwenzeni imisebenzi kule marike inqabile kude kube ngoku. Ukuza kuthi ga ngoku uzakufuna ingcebiso echanekileyo yingcali kwiimarike zezemali. Ukuze ukwazi ukuhambisa zonke iintshukumo ezenziwe kwasekuqaleni. Kwelinye icala, utshintshiselwano lwemali olusebenza kwezi marike luya kuba lolunye lweziphumo ezibi zokukhetha le ntengiso yemasheya ukuza kuthi ga ngoku kwiindawo zethu zendalo. Kuba ngokwenyani, oko kuya kuthetha inkcitho entsha yokwenza lo mnqweno ube semthethweni okhoyo kwabanye babatyali mali abakhohlakeleyo.
Izibonelelo zokutyala imali eIndiya
Kwelinye icala, zininzi izibonelelo ezinokuthi ziziswe yile misebenzi ikhethekileyo kunokuba ibaluleke kakhulu kubo bonke abatyali mali abaxhasa eli nyathelo. Ewe kunjalo, enye yezona ziphambili zilele kwinto yokuba ii-indices zayo eziphambili zibhalisa ukukhula okuzinzileyo kunye nokuzinzileyo. Ngoncedo olubaluleke kakhulu lokuba nenqanaba eliphantsi lokunyuka kwamaxabiso. Le nto yokugqibela inethemba lokunyusa ukuthengwa kwiimarike zezemali ezinamanqanaba abaluleke kakhulu ekusebenzeni.
Kwelinye icala, ayinakulibaleka phantsi kwazo naziphi na iimeko ukuba ukusetyenziswa okuxabiseke ngokwenene kuyenziwa kuqoqosho lwayo. Kwaye ngenxa yoku, kufikelela kwiziphumo zeenkampani ezidwelisiweyo ezithi zibonisa ukuvela kwamaxabiso abo. Ngombulelo owaziwayo kwixabiso lezabelo zalo. Apho ukufika kwabatyali mali abavela phesheya kuya kusanda. Ngamafutshane, yenye yezona ntengiso zenzuzo enkulu kule minyaka mithathu idlulileyo. Enye into eyahluke kakhulu yile izakwenzeka ukusuka ngoku ngoku.
Unokwenza ntoni ngemisebenzi yakho?
Umbuzo oya kuzibuza wona ngoku kukuba isicwangciso-qhinga sakho sotyalo-mali kufuneka sithini kwiinyanga ezizayo. Ewe, kule ngqiqo yenye yeemarike zentengiso apho unayo amathuba amakhulu ukuphucula ibhalansi yakho yokujonga. Ewe kungaphezulu kokuqhelekileyo okanye okuqhelekileyo. Nangona kunjalo, kwaye emva kokunyuka okuqhubekayo okuqhubekayo kwimarike yemasheya, umngcipheko kukuba ulungiso lwamaxabiso abalulekileyo lunokwenziwa. Ngesi sizathu sichanekileyo, awuzukukhetha ngaphandle kokuba ulumke ngakumbi kwiintshukumo ozenza ngokusesikweni kulo nyaka.
Ngapha koko, unokukhetha i- amacandelo kunokwenzeka ukuba aphuhlise kwaye aqhubeke nolu nyuso bonisa ii-indices zabo eziphambili zesitokhwe. Ukusuka kule meko intle kangaka ukukhusela umdla wakho njengomtyali mali ophakathi nophakathi, inyathelo lokuqala ekufuneka uliphumezile lisekwe ekukhetheni awona macandelo aphezulu. Phakathi kwazo, zonke ezo zinto zinxulumene nokusetyenziswa ziyabonakala. Ngaphandle kokulibala amacandelo axhumene neenkonzo zeempahla kunye namaqela emali. Akumangalisi ukuba baziphathe kakuhle kunabanye ngoku.
Ezinye iindlela zokutyala imali kweli lizwe
Abanye abatyali mali banokulumkela ukutyala imali abayigcinileyo kule marike ikhethekileyo. Ilungile eyakho ukungazi kwezi marike zezemali okanye kungenxa yokuba kufuneka bajike iindlela zabo zotyalo-mali. Ngayiphi na imeko, abayi kuba nangxaki yokuvula izikhundla kule marike yamanye amazwe ngokubaluleka ngokukodwa kule minyaka idlulileyo. Kungenxa yokuba, banokukhetha ezinye iimveliso zezezimali kunokuthenga nokuthengisa izabelo zabo ngokuthe ngqo kwimarike yemasheya.
Isisombululo kwezi ngxaki sidluliselwe ngaphakathi mali mali Ngokusekwe kulo mvuzo uguqukayo sithetha ngawo. Ngakumbi nangakumbi iinkampani zolawulo zikhethe ukunika abathengi bazo iimodeli zezi mpawu kwaye inzuzo yabo iqhume kule minyaka idlulileyo. Ukongeza, inokwahluka ngokudityaniswa nezinye iiasethi zemali. Zombini ingeniso esisigxina kunye nengeniso eyahlukileyo okanye ezinye iindlela zokubonelela ngesiqinisekiso esikhulu kubathathi-nxaxheba kule mali.
Enye yeenzuzo ezicace gca ekukhetheni le modeli yotyalo-mali isekwe kwinto yokuba umngcipheko owenziwe ngabatyali mali abancinci nabaphakathi uyakuba sezantsi kakhulu. Njengomphumo wokusebenzisa esi sicwangciso sodwa, ilahleko aziyi kuba nkulu njengakwimakethi yesitokhwe. Nangona ngokuchaseneyo, iinzuzo ziya kuncitshiswa ngokumangalisayo ngokubhekisele kwizikhundla ezithathwe kwiimarike zesitokhwe. Ngoluhlu olubanzi lweemali zotyalo-mali oluza kuyanelisa ibango laba batyali mali.
Iingcebiso zotyalo mali eIndiya
Ukuba unomdla wokujolisa kule marike yezemali yaseAsia, kuya kufuneka ufake uluhlu lweengcebiso kutyalo mali ukuze uphuhle ngokuchanekileyo. Enye yezona zinto ziluncedo kakhulu kukuba kufanelekile yazi ngakumbi ngendaleko yee-indices zayo zesitokhwe. Kwelinye icala, njengoko umngcipheko umkhulu, kufuneka ungagxili kuzo zonke iiasethi zakho kule asethi yezemali. Zama ukwahlulahlula kunye nezinye iimveliso zezezimali okanye nangolunye utshintshiselwano oluqhelekileyo kunolu. Kwanele ukuba wabele ubuncinci benxenye kuyo yonke imali oyigcinileyo.
Elinye lamanyathelo ekungayi kubakho khetho ngaphandle kokuwamkela kukuba kubhekiswa kwinto yokuba kufuneka uzishiye izikhundla kule marike xa ezinye zezona nkxaso zichaphazelekayo. Kwaye ke xa ukulingana kwamaIndiya kutshintsha imeko. Iya kuba ngumqondiso ophawuleka kakhulu ukuba awufanelanga kuhlala ezinye iintsuku notyalo mali. Awunakulibala ukuba le ntengiso yemali ibonakaliswa kukungazinzi okuphezulu. Ngaphezulu kwesona siqhelo okanye siqhelekileyo. Akufanele ubeke emngciphekweni imali yakho isisiseko.
Kwelinye icala, kuya kuba sengqiqweni kakhulu ukusebenzisa ingcali kwezi marike ukulawula ipotifoliyo yakho ngokuchanekileyo. Iya kuba ngulowo ucace gca malunga nomzuzu xa kufuneka ungene okanye uphume kule marike yezabelo. Inokukubonelela ngesinye isicwangciso ukuze wenze izikhundla zakho zibe nenzuzo ngokufanelekileyo. Ayizukuhlawula nto kwaye endaweni yoko kukho izibonelelo ezininzi onokuzifumana ukusukela ngoku.