Ukuba udiniwe kukuhlala utyala imali oyigcinileyo kwimveliso ezifanayo zemali, usenalo ixesha lokutshintsha isicwangciso sakho. Kuba, eneneni, kukho ubomi obungaphaya kwemarike yemasheya kunye nengeniso esisigxina, ngezinye iiasethi zemali. Ukuze ekugqibeleni ukwazi phucula izivuno Kwimali eyimali oyityalileyo kwaye mhlawumbi nangendlela eyanelisa ngakumbi kwimidla yakho njengomtyali mali omncinci nophakathi. Kungenxa yokuba unayo enye ezinye iindlela ukutyala imali. Ngokusebenzisa izindululo ezintsha kakhulu kwaye kwezinye iimeko nokuba zezentsusa, njengoko uza kubona ngezantsi.
Esi iya kuba sisicwangciso onokuthi usisebenzise nakweyiphi na imeko yezoqoqosho eza kuwe. Kodwa iya kuba kweyona ingathandekiyo apho iya kufikelela ekusebenzeni kwayo okuphezulu. Ngesizathu kwaye ayisiyonto eyenye ngaphandle kokuthatha ithuba le Ukuphela kweemarike zezemali eqhelekileyo ngakumbi. Ngokuqiniseka konke ukuba ngaphezulu kwesihlandlo esinye uya kuthathela ingqalelo apho unokutyala khona imali oyigcinileyo ebusweni bembonakalo embi ye-equity kunye neemarike zengeniso esisigxina. Ukuya kwinqanaba lokuba kwiimeko ezininzi ukhetha ukuba lulwelo ngokupheleleyo.
Ukuze ezi zinto zingenzeki kuwe ukusukela ngoku, siza kuphakamisa iiasethi zemali apho ukonga lwakho lunokubalekela khona. Zizindululo onokuthi ungabi nawo amava, kodwa loo nto inokukunika umdlalo ongcono kwiimeko ezithile. Ayothusi into yokuba abatyali mali abaninzi abathengisayo bakhethe oko kwiminyaka yakutshanje. Kunye iziphumo ezonelisayo kakhulu kwinxalenye elungileyo yemisebenzi eyenziweyo. Ngaba uzimisele ukwamkela lo mngeni ukhethekileyo wokunxibelelana nehlabathi lemali?
Iiasethi zemali: ikofu yakhe wonke umntu
Ikofu sisiselo esimnandi kakhulu ukusela yonke imihla. Akukho mathandabuzo ngaloo nto, kodwa usenokungazi ukuba ikwanceda ukugcina imali inenzuzo kwiimarike zemali. Kungenxa yokuba yenye yezinto ezisetyenzisiweyo ezithengiswa kwiimarike zezabelo eziphambili kwihlabathi liphela. Ngokukodwa kwizikwere zeAnglo-Saxon iphi enye yeebhentshi zotyalo-mali. Kunye nezinto ezifanelekileyo. Ewe, ukusukela ngoku unokutyala imali kwesi siselo simnandi sethropiki.
Kuyinyani ukuba unexesha elinzima kakhulu lokutyala ikofu kwimarike yemasheya. Ngaphandle kokuba ukhetha iinkampani ezidwelisiweyo ezinikele kwintengiso. Kodwa isibonelelo sayo ngokucacileyo asonelanga xa kuthelekiswa namanye amacandelo esitokhwe. Zizindululo ezizodwa eziya kukuxabisa ukuba uzenze ngendlela onqwenela ngayo. Kwaye kuninzi lwezihlandlo ngotshintshiselwano lwamanye amazwe, ngakumbi amaMelika kunye nelinye Alemania.
Eyona ndlela yokutyala imali kule asethi yemali yenziwe ngokusebenzisa imali yokurhweba ngokutshintshiselana okanye i-EFS njengoko besaziwa ngcono. Kuba, eneneni, zininzi iimali ezisekwe kule mveliso eluhlaza. Nokuba yiphothifoliyo esekwe ngokukodwa kwikofu okanye kunye nezinye iiasethi zemali zeempawu ezifanayo. Banokukhetha kwizindululo ezininzi kwaye banikwe izicwangciso ezahlukeneyo. Ekuphela kwemfuneko ekufuneka unikezele ngayo kukuba ufuna ngokwenene ukutyala imali yakho kwesi sicelo sinye.
Irhasi yendalo lolunye ukhetho olufanelekileyo
La mandla yenye yezona zithengiswa kakhulu kuzo zonke iimarike zezemali zehlabathi. Kwaye unokwenza imbuyekezo ebalaseleyo ukuba ugcina ngokufanayo Ukutyhala okukhulayo sele ikhula kangangeenyanga ezininzi. Ngombulelo ongaphezulu kwesisa kunangezinye iiasethi zemali. Nangona kule ngqiqo, yinto ye-asethi eyimali kakhulu edibene nemijikelezo yezoqoqosho. Ikhona ngeemveliso ezahlukeneyo zemali njengoko uza kubona ukusukela ngoku.
Ingxowa yenye yeenjongo ezinokubakho zokuthenga kwakho. Akukho zinkampani zininzi zezi mpawu zidweliswe kwii-equities. Kodwa abo bakhoyo banobunzima obuthile kwii-indices zentengiso ephambili. Umzekelo olungileyo wale meko uboniswa yinkampani yegesi yaseSpain Irhasi yendalo. Sisinye sezindululo onazo okwangoku zokutyala irhasi. Ukongeza, isasaza ngaphezulu kokuhambisa ulwahlulo olucebisayo phakathi kwabanini zabelo. Ngembuyekezo engatshintshiyo neqinisekisiweyo kulondolozo kufutshane kakhulu ne-6%. Isicwangciso esiliqili kakhulu sokwenza ingeniso esisigxina kwisahluko.
Kwelinye icala, kukho inani elifanelekileyo leemali ezihlangeneyo kunye nezidwelisiweyo ezikwipotfoliyo zotyalo-mali ezisekwe kule asethi ibalulekileyo yezemali. Ukusuka kwiindlela ezahlukeneyo zotyalo-mali. Ukuze babe nokuqeshwa ziiprofayili ezahlukeneyo zabatyali zimali. Ukusuka kolona londolozo ukuya kuthi abo bathathe umngcipheko omkhulu kwiimarike zezemali. Ukusuka kule meko, lutyalo-mali oluqhelekileyo ukuthatha ithuba lamaxabiso ezi zinto zivelweyo kumandla.
Iidayimani ngonaphakade
Eli litye lichukumisayo lelinye lezona zinto zibalulekileyo zivelisayo kwicandelo lokunethezeka. Luphawu lokwahlula olungafumanekiyo kuye wonke umntu. Kwaye kungaphantsi kakhulu kuninzi lwamakhaya. Kodwa ukuba unamandla aphezulu okuthenga akufuneki usilibale esi siphakamiso sotyalo-mali sokuqala. Ngeendlela ezahlukeneyo zokwenza lo mnqweno ukhethekileyo. Unokukhetha abavukuzi abathengisa iidayimani. Zithengiswa esidlangalaleni kwaye kwiimeko ezithile kunokuba yinzuzo kakhulu ukuvula izikhundla kule asethi yemali.
Enye yeendlela ekufuneka uthathe ithuba lokuhamba kwixabiso lazo kudluliselwe kwingxowa mali. Nangona kunjalo, bambalwa kakhulu kwaye banokukhokelela kuyo iikhomishini ezibanzi ngakumbi kunezinye iimveliso ezineempawu ezifanayo. Yingozi kakhulu ukubheja ekufuneka uyivavanye kunye nomcebisi wakho wezezimali. Kungenxa yokuba, umngcipheko wayo mkhulu kwaye ungaphezulu kwezinye iiasethi zemali.
Utyalomali kweli litye linokwenziwa kunye nokuthengwa kwemveli iimveliso zobucwebe. Ukuba le yinjongo yakho, unentembelo yokuba emva kweminyaka embalwa iyakuxabiseka, nangona kubo awunakukhetha ngaphandle kokuyithengisa kwivenkile ekhethekileyo. Umahluko omncinci kodwa obalulekileyo ovela kutyalo-mali lwemveli. Ayothusi into yokuba ijolise kuphela kwiprofayile yomsebenzisi echazwe kakuhle ekusenokwenzeka ukuba ayiyiyo eyakho. Kodwa ubuncinci uyabagcina engqondweni ukuze uthathe isigqibo.
Imilinganiselo yokuziphatha ukubenza babe nenzuzo
Njengoko ayinakuba ngaphantsi, amaxabiso okuziphatha nawo adwelisiwe kwiimarike zezemali. Kodwa ngokusuka kwindlela echaseneyo. Iimali zotyalo-mali zezona zibamba owona mnqweno wabatyali mali abancinci nabaphakathi. Kuthotho lwezindululo ezandayo zokufumana le mfuno yahlukileyo. Ukusuka kukhuselo lozinzo lokusingqongileyo kwabo banegalelo kumanyano lweeprojekthi kwabona bantu bahlelelekileyo emhlabeni. Yiza, unezithembiso ezininzi onokukhetha kuzo kwaye uziqhelanise neendlela zakho zokucinga.
Ingeniso esisigxina ikwavuma oku kunokwenzeka ngeendlela ezahlukeneyo zotyalo-mali. Enye yazo ibonakaliswa ziidiphozithi zekota. Zizinto ekuthiwa ziimanyano ezibambekayo ezinamaziko amaninzi emali. Kunye ezinzileyo kunye nenzuzo yonyaka Ngqinelana ne-dipozithi eseleyo. Phantse iipesenti ezi-1 ngenxa yexabiso eliphantsi lemali. Ngoncedo lokuba awuzukuba nabungozi kwizikhundla ozivulayo ukusukela ngoku.
Akukho mahluko ngokwenzuzo yayo ngokubhekisele kwezinye iidipozithi. Yindlela yokutyala imali oyigcinileyo ukuze ihambelane neenkolelo zakho okanye amaxabiso akho. Ngaphandle kwezinye iindlela zorhwebo ezisekela izicwangciso zazo kwezinye iindlela. Ngayiphi na imeko, yenye yeendlela onokukhetha ukuzityalela ngendlela eyahlukileyo nexhasayo.
Ukutyala imali kwi-algae sele kunokwenzeka
Ayisihlekisi, kuba sele ungatyala imali yakho kwi-algae. Ayothusi into yokuba ezinye iinkampani, zimbalwa ngalo mzuzu, zinikezelwe kule nto yendalo ngexabiso layo lokuvelisa iimveliso zamayeza. Nokuba unyango lomhlaza. Omnye wemizekelo efanelekileyo uboniswa yinkampani yesizwe Pharmamar, iZeltia yakudala. Elinye lawona maxabiso aguquguqukayo kwi-arc yamashishini eSpain. Ukuza kuthi ga kwinqanaba lokuba lenze abatyali-mali abaninzi oosozigidi, nangona inani labatyali mali abonileyo nalo libaluleke kakhulu.
Okwangoku, ukuba ufuna ukuthatha imali oyigcinileyo kule nto ikhethekileyo, awuzukukhetha ngaphandle kokuya kwintengiso yesitokhwe. Ngohlobo lwenkampani enomgca ofanayo weshishini njengoko sele kukhankanyiwe. Ngaphandle kokuvela kwezinye iimodeli zotyalo-mali, ezinjengemali ezihlangeneyo, iimali ezidwelisiweyo kunye nezinye ezintsonkothileyo. Ewe, ezi nkampani zibonakaliswa yinzuzo enkulu enokubakho. Ngaphezulu nangaphezulu Amanqanaba angama-50%, ngaphezulu kwezona zindululo ziphambili zokwenza ukonga abasebenzisi abanenzuzo.
Ukuba ufuna ukukhetha i-algae, ngoku ungamisela iinjongo zakho ngokusesikweni. Nangona bengengabo ukhuseleko olunamanzi kakhulu, batsala iprofayili yesaver echazwe kakuhle: abaqikeleli, abantu abakhohlakeleyo ekusebenzeni kunye namandla aphezulu okuthenga ukuxhasa izikhundla ezivulekileyo.
Ngokwam, ndiza kutyala imali kwiGolide, sisinyithi esindinika ukuzithemba okupheleleyo. Irhasi yendalo lolunye utyalo-mali olulungileyo kunye nekofu, inani lekofu esemgangathweni yokuthumela kwelinye ilizwe eliya eJapan liyamangalisa. Yonke into ephilayo ngokwenkozo ngokwempahla yorhwebo, ayinalahleko.