Ukhuseleko okanye iiasethi zemali zeebhanki zeebhokhwe zezo ntlobo zotyalo mali ezivelisa imbuyekezo encinci minyaka le, nokuba kwenzeka ntoni kwiimarike zezabelo. Ngengqiqo yokuba ziyafana kakhulu kwimveliso efunyenweyo evela kwimveliso enikezela isigqebhezana sonyaka esithi Amanqanaba aphakathi kwe-1% ne-3%. Ukuba liklasi yotyalo-mali ejolise kumgangatho ophakathi okanye okhuselayo womsebenzisi. Apho ulondolozo lwekapitali lukhona ngaphezulu kwezinye izinto ezinoburharha. Abafuni kulinga ngemali yabo kwaye ke baye kwiifomati ezikhuselekileyo zemali.
Ngayiphi na imeko, inye into icace gca kwaye yile yokuba okwangoku kukho iiasethi zebhanki zehagu ezahlukileyo kwiimarike zemali. Kwaye okubaluleke ngakumbi, kwendalo eyahlukeneyo ukwanelisa iimfuno zotyalo-mali lwenxalenye elungileyo yabatyali mali abancinci nabaphakathi. Ukuze ngale ndlela, bahlukanise ukonga kwabo ngokufanelekileyo ngoku ukusukela ngoku. Ayisiyiyo kuphela kwii-equity kodwa ikwangumvuzo osisigxina okanye kwezinye iindlela zokongeza isigqibo esiza kwenziwa ngabatyali zimali abancinci nabaphakathi. Ngokhuseleko olukhulu kwiintshukumo eziza kuthathwa.
Ezi asethi zemali zibonakaliswa kwelinye icala kukungaziphathi kakuhle okuphantsi kuba ukwahluka phakathi kwamaxabiso aphezulu okanye ubuncinci kuncinci kakhulu. Oko kukuthi, unokuhlala uzolile ngexesha lokuhlala kwaye endaweni yoko ikunika ithuba lokudala ibhegi yokonga embindini kwaye ngakumbi ixesha elide. Nangona kunjalo, ungalindelanga ukuba ube nenzuzo egqithileyo kuba ayisiyiyo kanye eyona misebenzi ibalulekileyo ukusukela ngoku. Kungenxa yoko le nto inegama elinomdla kwaye ezaziwa ngayo ezi asethi zemali ukuba siza kukuveza ngezantsi.
Amaxabiso ebhanki ehagu: iintsimbi ezixabisekileyo
Ezi asethi zezemali lelinye lawona matyala acacileyo malunga nolu hlobo lukhethekileyo lotyalo-mali. Kungenxa yokuba baqhuba ngcono kwezona meko zibi kwaye ngenxa yoko bafumana indawo enkulu ukuhamba kwemali yeemali ezinkulu zotyalo-mali, kokubini kuzwelonke nangaphandle kwemida yethu. Ngelixa kwelinye icala, ayinakulityalwa ukuba ezi asethi zemali zilunge kakhulu ukukhuthaza ukonga, nangona kule meko kukho umngcipheko omncinci kwizikhundla ezenziweyo. Akumangalisi ukuba banokunika imbuyekezo enomdla kakhulu kulindelo lolindelo lwenxalenye elungileyo yabasebenzisi.
Kwelinye icala, amaxabiso esinyithi ahluka-hlukeneyo lutyalomali olukhethekileyo kunezinye izindululo kwiimarike zezemali. Ukusuka kule ndlela, kufanele kuqatshelwe ukuba igolide izikhusela kakuhle kuzo zombini iimeko zokunyuka kwamaxabiso okanye ezehlayo kwaye iboniswa njenge-asethi engahambelaniyo Inguquko yedola. Kubatyalomali abalindele ukwehla kwe-greenback kungumthombo onokubangela inzuzo. Enye into enomdla kukuba kubatyali mali kwi-euro ukuxabisa igolide bekuncinci. Njengenye indlela enomdla kakhulu kwezona meko zinzima kwiimarike zamashishini ezingenanzala emisiweyo.
Ukuzikhusela kunye nokukhuseleka okuphezulu
Ngaphandle kwenkolelo ngokubanzi yenxalenye elungileyo yabatyali mali abancinci nabaphakathi, ezi xabiso zinokufunyanwa, ezaziwa njengeebhanki zeebhokhwe, kwimarike yemasheya. Kule meko, kuba bavumela ukwenza ibhegi yolondolozo ezinzileyo kwiminyaka embalwa ezayo, kwaye ngomngcipheko omncinci ekusebenzeni. Ngenxa yokuba udwelisiwe zivela kumashishini aphindaphindiweyo Oko kubonisa amatyala ambalwa kwaye endaweni yoko kuphuculwe iziphumo zeshishini. Kumacandelo eklasi anje, umzekelo, iimoto, umbane okanye ukutya. Apho inxenye elungileyo yemali yolawulo iya kwelona xesha linzima kwiimarike zezabelo.
Ngelixa kwelinye icala, zikwabonelela ngesivuno esihle sesahlulo, ngenqanaba lenzala eliphakathi kwe-5% kunye ne-7%. Ngokuhlawulwa okungaguquguqukiyo kwaye kuqinisekisiwe minyaka le ngeendlela zokuhlawula ezahlukeneyo kuxhomekeke kwinkampani nganye. Le yinyani ebangela ukuba iprofayili yomtyalomali ichazwe kakuhle: Ngokwenza ipotifoliyo yengeniso esisigxina ngaphakathi kokungafaniyo, nantoni na eyenzekayo kwiimarike zezemali nakwezona zihlandlo zinzima kwimidla yakho.
Iibhondi zikazwelonke ezikhuselekileyo
Kule mveliso yemali, kufuneka ukhethe ngakumbi ukuze ube nemodeli yotyalo-mali ekhuselekileyo. Ngaphakathi kweli qela, esona siphakamiso silungileyo senziwe yibhondi ye EJamani naseMelika ezo zezona zimele uqoqosho oluthembekileyo nolukhuselekileyo kuwo wonke umhlaba. Ngokufumana ipremiyamu yekhuphoni enokufikelela kumanqanaba asondele kwi-2%. Oko kukuthi, ayiphezulu kakhulu, kodwa ubuncinci iphindaphinda kule minyaka idlulileyo, yiyo loo nto inomdla kubatyali mali abancinci nabaphakathi. Ukusebenza njengendawo yokusabela kwezona meko zinzima kutyalo-mali lomntu ngamnye.
Ngakolunye uhlangothi, iibhondi zaseJamani naseMelika yimveliso ethengiswa luluhlu olubanzi olunikezelwa ngamaziko emali. Ke ngale ndlela, abasebenzisi abanangxaki yokwenza ukuba kuqeshwe ngokusesikweni ukusukela ngoku. Ukuba yinxalenye ebaluleke kakhulu ekufuneka ikwiphiphothifoliyo yotyalo-mali ixabise ityuwa yayo kunye nenjongo yokudala ibhegi yokonga unyaka nonyaka. Ayothusi into yokuba le yimveliso yezemali enamaxesha amade okusisigxina kunezinye izindululo. Ngamagama aphakathi ascillate phakathi kweminyaka engama-2 ukuya kwengama-6.
Iiakhawunti ezihlawula kakhulu
Kwiimeko ezigabadeleyo, olu khetho lunokumela isisombululo esisebenzayo kwinxalenye elungileyo yabasindisi belizwe lethu. Le nyaniso kukuba ayifuni meko Ukufumana owona mvuzo ufanelekileyo kubaphathi bale mveliso yemali. Ubuncinane okoko nje ukukhuthazwa kwamaziko emboleko akhulayo ukukhuthaza iinkonzo zawo zezemali kuyaqhubeka. Ngaphandle kwesidingo sokutyala i-euro enye nakweyiphi na imodeli kutyalo-mali lwabucala. Ukuba lukhetho olusindisa nayiphi na iprofayili abanayo okwangoku.
Iiakhawunti zemivuzo ephezulu zibonelela ngenqanaba lenzala eliphakathi kwe-1,50% kunye ne-2,50%, kuxhomekeke kwizindululo zeziko ngalinye lezemali. Ngeentlawulo ezinokuthi zibe ngekota, ezinesiqingatha sonyaka okanye zonyaka eziya kwiakhawunti yokonga yabanini rhoqo. Ngelixa kwelinye icala, ayinakulityalwa ukuba iiakhawunti ezihlawula kakhulu zifuna ibhalansi encinci kwaye ngamanye amaxesha zifuna kakhulu. Ngokufaka igalelo ngaphezulu kwe-10.000 euro ukuvula iakhawunti yezi mpawu. Nangona kwelinye icala, likhululwe kwiikhomishini nakwezinye iindleko kulawulo lwayo okanye kulondolozo. Ngesivuno ngokubanzi esiphakamileyo kuneso sinikezelwa ziimveliso zezezimali ezivela kwimarike yengeniso engaguqukiyo kwaye kungafane kubonise nzala nge-1,25% okwangoku.
Iimali ezinembuyekezo kwi-capital
Elinye lamaqhinga esinokuthi sikhethe ukujongana nemali nembuyekezo kwimali eyinkunzi njengefomyula yokufumana inzala ephindaphindayo inyanga nenyanga. Nangona kule meko, lo msebenzi awukhuselwanga nge-inshurensi kwaye kwelinye icala uthwala umngcipheko omncinci ngakumbi kwezinye iimodeli esizikhankanyile kweli nqaku. Kungenxa yokuba ezi mali zimbini zinayo ulwakhiwo oluphakathi Ngaphezulu kokunye kwaye angakhonza nakwezona meko zimbi kwiimarike zemali, kokubini kwii-equities kunye nengeniso esisigxina. Ukongeza, ayinakulityalwa ukuba ilunge kakhulu kubatyali mali abanqwenela ukugcina ulondolozo lwabo ngaphezulu kwezinye izinto ezinoburharha.
Ngelixa okokugqibela, isahlulo esihle sale mali yotyalo-mali sinokwabiwa kwesahlulo minyaka le. Ngenzuzo ekumanqanaba phakathi kwe-2% kunye ne-5%Oko kukuthi, isezantsi ngokomndilili kunaleyo ibinikezelwa ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Kodwa kuyo nayiphi na imeko, bayanceda ukugcina ukuthengiswa kwemali ngaphezulu kwayo yonke enye into kuba unyaka nonyaka kukho igalelo kwiakhawunti yokonga yabanini bayo.
Ukuba ngumfuziselo ophindaphindiweyo kwingxowa-mali yotyalo-mali evela kubaphathi bamazwe ukuya kwingozi yesizwe. Ngaphandle kokonyuka kwekhomishini okuqesha kwakho kubandakanya lo mzuzu ukuya phambili. Kodwa kuzo zonke iimeko zinokuthi zithathelwe ingqalelo njengenxalenye yeeasethi zebhanki yeehagu kwiimarike zezemali. Njengenye indlela ukuze abasebenzisi bakwazi ukufaka imali yabo eyayisetyenziselwa ezinye iimveliso zezemali.