Iimali zentengiso yemasheya zizuzi ngeniso efunyenwe kwimarike zezemali. Ngumahluko owenziwe phakathi kwexabiso lokuthenga kunye nexabiso lokuthengisa. Nangona kunjalo, ezi nzuzo zizonke, azikho net njengoko abanye abatyali mali abancinci nabaphakathi bengadala. Kuba ngokwenyani, esi sixa-mali kuya kufuneka sithotyiwe sonke iikhomishini kunye nenkcitho kulawulo lwayo kunye nolondolozo olunokuthi ngokungathandabuzekiyo lubandakanye ezi ntshukumo. Ngaphandle kokulibala unyango lwerhafu imisebenzi eya kuba nayo kwaye ngokuxhomekeke kwiimpawu zomrhafi kuya kuba nesiphumo esinye okanye esinye. Ke ngoko, izinto ezithile zeentlobo ezahlukeneyo kuya kufuneka zenziwe isaphulelo kwiinzuzo ezinkulu eziveliswe kwiimarike zezabelo.
Kukho nawuphi na, kuyinjongo apho bonke abatyali-mali bafuna, ngaphandle kokukhetha. Kwaye inkulu inzuzo eyinkunzi, ingcono kwimidla yakho. Nokuba leliphi igama apho utyalomali lwakho lujolise khona: olufutshane, oluphakathi okanye olude. Njengeprofayile oyivezayo njengomthengisi, oko kukuthi, ubundlongondlongo, ophakathi okanye ozigcinayo. Zonke iindlela zotyalo-mali zikhokelela kwimali. Ngale ndlela, akukho zinqumlayo kunokwenzeka kwaye yinxalenye yesicwangciso esinamandla sokwandisa iiasethi zakho zobuqu okanye zosapho.
Kule meko ngokubanzi, kuyinyani ukuba kumaxesha amaninzi awazi ukuba wenzeni ngenzuzo eyinkunzi kwaye nokuba iyamangalisa inokubangela enye ingxaki kulawulo lwakho. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye kwanakwindawo yokujonga esisiseko evezwe ziimarike zezabelo. Akumangalisi ukuba kubaluleke kakhulu ukulawula iingeniso ezinkulu kwaye kwezi ngcebiso esiza kuzibhengeza apha ngezantsi zijolise kuzo. Ukuze ngale ndlela, ungoyena ufanelekileyo nyusa ibhalansi yakho yokujonga ukususela ngoku ukuya phambili. Ekupheleni kosuku ukuba yintoni, njengoko nisazi kakuhle.
Ingeniso eyinkunzi: ukuyityala kwakhona kwintengiso yemasheya
Isicwangciso sokuqala onokufaka kuso ukusukela ngoku yeyona nto iphambili kuzo zonke kwaye inokuba noburhalarhume. Ngokusisiseko iquka ezi nzuzo ziyinxalenye yenkunzi entsha yotyalo-mali. Ngale ndlela, unokwandisa amandla akho okuvelisa inzuzo kwi ukuthenga nokuthengisa izabelo kwimarike yemasheya. Eli nyathelo linokwenziwa ngeendlela ezininzi kwaye enye yazo isekwe kutyalo-mali lweenzuzo ezinkulu kutyalo-mali olutsha. Kuyinyani ukuba awuyi kuyonwabela inzuzo, kodwa ukubuyisela uya kuba nethuba elingcono kakhulu lokwandisa iiasethi zakho.
Esinye sezicwangciso onokuthi uzisebenzise ukusuka kulo mzuzu ukuya phambili kukuhlala kwizikhundla zakho. Ngokufanelekileyo, ungathengisi izabelo ukuze uhlale unyusa umvuzo wakho nangakumbi. Nangona kunjalo, le nkqubo inobungozi obufihlakeleyo kwaye omnye wabatyholwa kukuba ithamsanqa linokutshintsha nangaliphi na ixesha. Ukuza kuthi ga kwinqanaba lokuba imeko ijike kwaye uye kwimeko eyahlukileyo, oko kukuthi, ulahlekelwe yimali. Ngayiphi na imeko, ngumngcipheko wokuba kufuneka usebenze ngokwamkela iprofayili yotyalomali enjalo. Nangona ekuhambeni kwexesha, uya kuphumelela kolu ngquzulwano onalo ngokuchasene neemarike zezemali.
Yonwabela inzuzo ngokukhawuleza
Ngapha koko, esona sisombululo silula onaso kukuthengisa izabelo. kutshintsho olulungileyo ukuze ukonwabele ukuzuza kwemali. Ukuzinika into encinci, ukuthatha uhambo lwaphesheya okanye ukwanelisa umnqweno wabathengi bakho. Uncedo kwesi sicwangciso kukuba luyakuhlala lubonakala okanye into efanayo uya kuba nebhaso ngomsebenzi wakho wotyalo mali. Akumangalisi ukuba, yeyona nto ixhaphakileyo kubatyali mali abancinci nabaphakathi kwaye nangaphaya kwezinye izinto. Kungenxa yokuba ekupheleni kwemini imali iyakonwabela kwaye ibhegi sisixhobo sokufezekisa le minqweno uyifunayo.
Kwelinye icala, awungekhe ulibale naphi na ukuba uthengise izabelo ngeyona nqanaba lonaniselwano lwezezimali. Oku kufezekiswa ngokwenza ukuthengisa ngexabiso elinikezwe nguwe, lelona linomdla kuwe ngalo lonke ixesha. Ngaphezulu kwento ebizwa njalo Amaxabiso entengiso oko kusoloko kunciphisa ukusebenza, njengoko usazi ngokwakho. Ayothusi into yokuba yindlela yokukhawulezisa ukuzuza kwemali ngaphezulu. Ngokukodwa xa kufikwa ekusebenzeni okwenziwe kwisithuba esifutshane kakhulu sexesha. Apho umahluko phakathi kwexabiso lokuthenga kunye nexabiso lokuthengisa liphantse lihlale liphantsi.
Thatha indawo ephakathi
Kwimarike yemasheya, ayisiyiyo yonke into emnyama nomhlophe kodwa kukho uluhlu olubanzi lwee-shades onokuyisebenzisa ukulawula iinzuzo ezinkulu ezifunyenwe kwiimarike zezabelo. Phakathi kwazo, enye yezo ziqhelekileyo yile ibhekisa ekwabeleni inzuzo ngokulinganayo kwizicwangciso ezazivelisiwe ngaphambili. Oko kukuthi, unganikezela ngesiqingatha semali kwizinto ozithandayo okanye nokuba unyuse inkxaso yakho yemali. Ngelixa inxenye eseleyo ingasetyenziselwa ukuqhubeka kwicandelo lotyalo-mali ukuzama ukuqhubeka nokulingwa ngethamsanqa kunye nokufumana inzuzo enkulu.
Enye yeendlela eziluncedo ekubonelelwa sesi sicwangciso sikhethekileyo kukuba unokuhlala uhleli gcina iindlela ezimbini ezichaziweyo ngaphambili. Kwipesenti ocinga ukuba zezona zifanelekileyo ngawo onke amaxesha. Ukuza kuthi ga kwinqanaba lokuba ube semngciphekweni wenzuzo yakho ngakumbi kumaxesha apho imeko ngokubanzi yentengiso yesitokhwe icacisa ngokucacileyo. Ngale ndlela, awuthandabuzi ukuba uya kuba namathuba amaninzi okuthatha imali eninzi kwiimarike zezemali. Nangona kwezi meko ezithile, iya kuba nguwe ekufuneka uthathe isigqibo malunga nendlela oza kuyaba ngayo imali ukusukela ngoku.
Izabelo ezityaliweyo
Omnye weyona mizekelo yeempawu zalo mkhwa kwicandelo lotyalo-mali lubonisa ukuhanjiswa kwezahlulo. Awungekhe ulibale ukuba lo mvuzo kwizabelo awusoloko uhlawulwa ngekheshi. Kungenxa yokuba ngokuchaseneyo, unokujoliswa kunyusa utyalo-mali lwakho ngezenzo ezintsha. Yiyo ke le nto iinkampani zenzayo zidweliswe kwi-benchmark index yeSpanish stock stock, i-Ibex 35. Ngokusebenzisa iqhinga apho ukonga kugqithile kutyalo-mali kwaye oku kujolise kwiprofayili ephezulu kakhulu. : umntu olondolozayo ofuna ukuthatha utyalo-mali lwakhe kwixesha eliphakathi nelide.
Ngale ndlela, isiphumo esikhawulezileyo sale nkqubo yolawulo kukuba ukusukela ngalo mzuzu ukuya phambili, imali yotyalo-mali iya kuba phezulu kakhulu kunangaphambili. Akumangalisi ukuba uya kuba nezabelo ezininzi ngenxa yokusetyenziswa kwezi zahlulo zikhethekileyo. Uluhlu lwe Iberdrola, Repsol okanye ezinye zeebhanki ezinkulu ziyenza rhoqo rhoqo ngonyaka. Ke, kumzuzu wokuqala awuyi kuba nayo loo mali kwangoko kwiakhawunti yakho yokujonga. Ukuba akunjalo, ngokuchaseneyo, kuya kufuneka ulinde ixesha elide ukuyifumana kwakhona, nangona kunjalo ngesixa semali esiphezulu.
Guqula imveliso yezemali
Kwelinye icala, ungasebenzisa iinzuzo ezinkulu zokutyala imali nakwezinye iimveliso zebhanki. Umzekelo, iidipozithi zexesha, iimali zotyalo-mali, iibhondi ezizimeleyo okanye ezakhiweyo. Iya kuba yindlela yoqobo yoku qala kwakhonaOko kukuthi kwasekuqaleni. Ngeenjongo ezintsha ekufuneka zifezekisiwe ngale misebenzi. Yimodeli exubeneyo apho icandelo elilungileyo labatyali mali abancinci nabaphakathi bawayo. Akungcono okanye kubi kunangaphambili, kodwa ngokuchaseneyo yeyona ndlela unokukhetha kuyo oxhomekeke kumngcipheko ofuna ukuwuthatha ukusukela ngoku. Unokuncika kwizabelo, kodwa nakwingeniso esisigxina okanye nakwenye indlela okanye iindlela ezingaqhelekanga zotyalo-mali lwakho.
Ngayiphi na imeko, ukhetho lolu khetho yintoni ayizukuvumela ukuba ukonwabele iinzuzo ezinkulu, njengokuba umnqweno wakho osondeleyo unokuba njalo. Ukuba akunjalo, ngokuchaseneyo, uya kuqhubeka nokunxulumana necandelo lotyalo-mali, ngandlela thile, ngokuxhomekeke kwiasethi yemali ekhethwe ekugqibeleni. Yile nto abantu abaninzi bayenzayo ukunqanda ukuba imali yabo imiswe ngaphandle kwexesha. Ukuba abazami, kukuqhubeka nokukhangela imbuyekezo enkulu kwimali yabo, into kwelinye icala isengqiqweni kakhulu.
Ngayiphi na imeko, isisombululo esiphethe umngcipheko omncinci kukuhambisa ngqo eso sixa kwimveliso yengeniso esisigxina evelisa imbuyekezo encinci yonyaka kwaye nokuba incinci kangakanani. Phantse i-1% okanye i-2%, njengesiphumo semali enexabiso eliphantsi ngumbutho okhupha amaziko oluntu. Ewe kunjalo, yinto onokuthi uyiqwalasele ukusuka kulo mzuzu ngaphandle kokubeka emngciphekweni umvuzo wakho. Ukuze ngale ndlela ungazibeki emngciphekweni kuwo wonke umthamo wenzuzo oyifumene kwiimarike ze-equity. Ayisiyiyo kuphela kwimarike yemasheya, kodwa ngezinye iimveliso zeemali ezivela kwii-equity kwiifomathi zazo ezibanzi zotyalo-mali.