Esinye sezitshixo ekuphuhliseni ipotifoliyo yengxowa mali yotyalo-mali kufuneka isekwe kuyantlukwano kwiiasethi zemali. Ayothusi into yokuba enye yeempazamo ezinkulu ezenziwe ngabatyali zimali abancinci nabaphakathi isekwe ekubhaliseni iimali ezineempawu ezifanayo komnye nomnye. Apho uya kube uzonakalisa izikhundla zakho ngokuba nolwakhiwo olufanayo. Kuyinyani ukuba ngale modeli yolawulo uya kuba nakho ukwandisa ifayile ye- inzuzo eveliswe kule misebenzi. Kodwa ngomngcipheko omkhulu wokungena nzulu kwilahleko. Yinto ekufuneka ucingisise ngayo ukusukela ngoku.
Olunye lwamathandabuzo oluvela xa kuqeshwa ezi mveliso zezemali kukwazi ukuba yeyiphi imodeli ekufuneka uyirhumele ukuze yonge imali ngendlela efanelekileyo. Ngokuqinisekileyo akusosigqibo kulula ukusithatha. Ukukunceda wenze esi sigqibo, siza kuphakamisa uthotho lweemali zotyalo-mali ezinokuthi zikulungele kakhulu ukulawula iiasethi zakho. Ngokusebenzisa iimali ezibonakaliswa yinto abanokuba yiyo bayaphelelisana
Apho uninzi lwee-asethi eziyimali ngokwesintu zingenakuphuthelwa, nangona zikhatshwa sisindululo esibi ngamanye amaxesha. Ukuze ngale ndlela, ungaluphucula ulungelelwaniso lokungenelela kwezi mveliso zezezimali. Ngokuqinisekileyo ezinye zeengcebiso zinokukumangalisa kwisicwangciso oza kuthi usiphuhlise ukusuka kula maxesha achanekileyo. Ukuze ube nemali eyongezelelweyo minyaka le kwaye bakwazi ukuncedisa umvuzo onxulumene nomsebenzi wakho.
Iimali zemali: ukukhusela
Nakweyiphi na ipotifoliyo yotyalo-mali exabisa ityuwa yayo, iimali zemali azinakubakho. Ngaphantsi kwenani eliya kuxhomekeka kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi: olondolozayo, ophakathi okanye onolunya. Eyona njongo yayo iphambili kukuba le minikelo inakho ikukhusele kwezona meko zingathandekiyo yeemarike zezemali. Ziya kusebenza njengendawo yokusabela ngokuchasene nokuphazamiseka kwezi meko. Kuyinyani ukuba abayi kuvelisa izibonelelo ezinkulu, kodwa ekubuyiseleni uya kugcina ukonga ngaphandle kweengxaki ezinkulu kwinkqubo yokuvela kwayo.
Kwelinye icala, awungekhe ulibale ukuba ezi mveliso zezezimali azizukuvelisa iindleko ezinkulu ngokubhekisele kwiikomishini ezisebenza kwiinkampani zolawulo. Ngale ndlela, Iziphumo zayo ziyafana kakhulu nezonikezelwa ziidiphozithi zekota. Kodwa ngoncedo lokuba kwingxowa-mali esisigxina awuyi kuba naliphi na ixesha lokusisigxina. Kungenxa yokuba unokuzirhoxisa izikhundla ngalo naliphi na ixesha kwaye ngaphandle kwalo naluphi na uhlobo lwezohlwayo. Ngembuyekezo yokuba kweyona meko intle inokufikelela kwi-0,3%.
Izabelo zaseSpain
Amashishini kufuneka abekhona kwipotfoliyo yotyalo-mali oza kuyiphuhlisa ukusukela ngoku. Kwaye yenye yeemarike ezinamandla amakhulu okuhlaziya emva kokuwa kwangoko njengesiphumo se Iziganeko eCatalonia. Apho kukho amaxabiso athile acinga ngamaxabiso okhuphiswano kakhulu. Ukufezekisa ezi njongo, akukho nto ilunge ngakumbi kunokugxila kwipotifoliyo yezokhuseleko ekhutshwa yimali yotyalo mali. Enye yezona ndlela zisebenzayo zokwahlula imali onayo kwiakhawunti yakho yokutshekisha.
Ingxowa mali yotyalo-mali esekwe kwii-equity zaseSpain inokukubonelela Ubundlongondlongo ngakumbi ukuphucula imida yenzuzo. Ngaphezulu kwezinye iiasethi zemali ngozinzo olukhulu kumaxabiso abo. Ukongeza, ucinga ngesithembiso esibalulekileyo esivela kwiibhanki kunye nabaphathi. Apho zonke iindululo zezindululo zibandakanywayo. Ewe kunjalo, awuyi kuba neengxaki ezigqithisileyo zokurhuma nayiphi na kwezi mveliso zilungiselelwe utyalo-mali. Nokuba yeyiphi iprofayile oyivezayo ngalo mzuzu.
Igalelo lentengiso yentengiso yaseNyakatho Melika
Enye yokubheja onokuyifaka kwipotifoliyo yakho yotyalo-mali yimali yaseMelika. Nangona kunjalo, iya kuba njalo phantsi kwepesenti encinci malunga negalelo lakho lemali. Ingakumbi kuba yinto yexabiso lemali ebeka umngcipheko omkhulu kunezinye iimali zotyalo mali. Esi iya kuba sisicwangciso-qhinga sokuphucula izikhundla zakho kulo naluphi na uhlobo lwendlela. Ukuze ngale ndlela, imbuyekezo ibe phezulu xa kuthelekiswa nezinye iimali kwipotifoliyo yakho.
Ingxowa-mali yezi mpawu ikunika amathuba amakhulu okonyusa ibhalansi yeakhawunti yakho yokujonga. Nangona ingesosiphakamiso senzelwe ixesha elide. Kodwa ngokuchaseneyo, ukusetyenziswa kwayo kuya kusebenza ngakumbi kwi- ukukhula okufutshane. Ke ngoko, baya kuncitshiswa ngokwexesha labo. Phakathi kwezinye izizathu zokungazinzi okukhulu okuvezwe yile asethi yemali emelwe yimarike yempahla yaseMelika. Ngayiphi na imeko, ayisoze yenzakalise ukubandakanya nayiphi na kwezi mali zotyalo-mali kwipotifoliyo yakho yokonga ethe kratya.
Inxalenye yelinye icandelo
Ukuba imodeli yotyalo-mali yakho inoburhalarhume, olunye ulawulo alufanele ukuba lusilele. Ukuhlangabezana nale mfuno ikhethekileyo inokuvela ngexesha elithile okanye kwenye. Ukusuka kwingxowa-mali esekwe kukungazinzi kwezo zibandakanya iiasethi ezivela kwimpahla yorhwebo okanye nakwizinyithi ezixabisekileyo. Kwelinye icala, iingozi zifihlakele ngakumbi kwaye ngenxa yesi sizathu kuya kufuneka ulumke ngakumbi xa unikela ngezixhobo zakho zemali. Akunanto, Ipesenti yemali yakho mayibe ncinane. Ukuze ungabinakho ukothuka okungaphezulu kwesinye ukusukela mhla uqeshwe.
Enye imali, kwelinye icala, inokuba yinto entle kakhulu kwezona meko zibi kwiimarike zezabelo. Ukunika, ke, kubalulekile ukwanda kwipotifoliyo yakho yotyalo-mali. Nokuba ku ngaphandle kokuzinza kwezinye iimodeli zotyalo-mali eqhelekileyo ngakumbi. Hayi ngamampunge, unokufumana imali eninzi, kodwa ushiye i-euro eninzi endleleni. Ngokwehla okukhulu kumaxabiso abo phakathi kwamaxabiso aphezulu kunye nawona asezantsi. Ukuya kwinqanaba lokuba banokukulahlekisa ngamanye amaxesha okanye kwenye. Kodwa uhlala unengqiqo enkulu kwiintshukumo ozithathayo phantsi kwezi ndlela.
Enye ioyile ayide ishiyeke
Iimali zotyalo-mali ezisekwe kwigolide emnyama zinokubaluleka kakhulu Yongeza inzuzo yakho ukususela ngoku ukuya phambili. Nangona kunjalo, kuya kufuneka ukhethe elona xesha lifanelekileyo lokwenza ukonyuka kule mali ibalulekileyo ibe yinzuzo. Ngapha koko, kwaye le yeyona nto iphambili kuyo, awunazo iimodeli ezininzi onokukhetha kuzo. Ngenxa yokuba izindululo zabaphathi zilinganiselwe. Kwaye enye into ebaluleke kakhulu, kuyacetyiswa ngokwenene ukuba uyazi ukuba yintoni amanqanaba okungena kunye nokuphuma akule mali. Kuya kufuneka ukuba babe ngabasebenza ngokuqinileyo kuzo zonke iindlela.
Ukukhetha esi siphakamiso sotyalo-mali, kuya kufuneka uthathe ithuba lezipeki kulo mafutha. Okwangoku, amaxabiso eoyile abekwe kwi band kufutshane kakhulu kwiidola ezingama-60 umphanda. Ukuba ingaphezulu kokuxhathisa inokuya kwinqanaba eliphezulu kunangoku. Ukuba le ibiyimeko enjalo, ungathatha isikhundla kwezi mali ngendlela enoburharha. Kungenxa yokuba izivuno zinokwandiswa ngexesha elingaphezulu okanye elincinci. Ngayiphi na imeko, iya kuba kukubheja okungaphezulu kunabanye kwaye oko kufuna ulwazi olukhulu ngeemarike zezemali.
Iimali eziguquguqukayo zotyalo-mali
Okokugqibela, sishiya imali esebenzayo kulawulo lotyalo mali ngenxa yokubaluleka kwazo. Phakathi kwezinye izizathu kuba uya kuba kwiimeko ezingcono ze ukuziqhelanisa nazo zonke iimeko zoqoqosho. Zombini ngamaxesha anqabileyo, njengalawo aveliswe kukudodobala kwezoqoqosho. Ukuchaphazela lonke uhlobo lweeasethi eziyimali, ukusuka kwiimarike zengeniso engatshintshiyo ukuya kweziguquguqukayo, kuhamba ngayo nayiphi na indlela yolawulo. Ayothusi into yokuba enye yeenzuzo zayo kukuba yingxowa-mali enqamlezileyo. Zisebenza kuzo zonke iintlobo zotyalo-mali kunye neeprofayili zokugcina.
Olu didi lweemali lulungelelaniswa nomzuzu ngamnye, kuxhomekeke kwimeko yeemarike zezemali. Awuyi kuba nakho ukubalahla nakweyiphi na imeko. Nkqu ukusuka kwimirhumo enoburhalarhume kunesiqhelo. Ngesi sizathu, ayothusi kakhulu into yokuba banconywe yinxalenye elungileyo yabahlalutyi bezemali. Ngokubhekisele kwinto yokuba akufuneki baphoswe kuyo nayiphi na ipotifoliyo yotyalo-mali exabisa ityuwa yayo. Kungenxa yokuba ukongeza, unendawo ebanzi yezi mveliso zemali ukwanelisa le mfuno ikhethekileyo. Ukusuka kwiindlela ezahlukeneyo zokulawula ukonga kwakho. Iprofayile ayinamsebenzi, nditsho nemali onayo ngelo xesha.
Njengoko sele ubonile, ezinye iindlela onokuzifumana ukwenza ipotifoliyo yotyalo-mali elungeleleneyo ibanzi kakhulu. Kwaye nakweyiphi na imeko, ngaphezulu kunokuba ubucinga ekuqaleni. Kungenxa yokuba iinkampani zolawulo zisondela kule modeli yolawulo. Apho isitshixo silele khona, ngaphandle kwamathandabuzo, kumandla akho okwahlukahlukana. Kuba iyakukunceda, hayi kuphela ekuphuculeni ukusebenza kovimba wakho. Kodwa nokubakhusela kwezona meko ziyingozi kwiimarike zemali. Ngesiqinisekiso esikhulu xa kuthelekiswa nezinye iimveliso ezilungiselelwe ukonga. Ayothusi into yokuba kunokuba sisikhuthazo sokuqhubeka nokutyala imali kwiminyaka ezayo.