Ewe kunjalo, bukhona ubomi ngaphaya kwemarike yemasheya kwaye phakathi kwabo kuthotho lweemveliso ezingaziwa ngakumbi kubatyali mali abanomngcipheko omkhulu ekusebenzeni kwabo. Bazi izixhobo zotyalo mali Ukusuka apho uhlala ufumana imali engakumbi kwiintshukumo ezivulekileyo, kodwa ulumke kakhulu, kuba ungashiya i-euro eninzi endleleni. Ngayiphi na imeko, kulunge kakhulu ukuba ubazi kwimeko apho kunokubakho inzuzo ngakumbi ukuthatha izigqibo zakho kwiimarike zezabelo.
Kukho into eqhelekileyo kuzo zonke ezi mveliso zezezimali kwaye kunjalo iimodeli ezinzima ngakumbi ukuba zisebenze kwaye uyaqonda. Ukuya kwinqanaba lokuba uyakufuna uqeqesho ekusebenzeni kwalo. Zombini zisuka kwithiyori kunye nokusebenza kwembono. Kuba awungekhe ulibale nangayiphi na indlela ukuba ininzi imali oyidlalayo ekusebenzeni kwakho kwiiasethi zemali ezikhethiweyo. Apho kunokuba kuninzi kwaye ngaphandle kokuthintela umda kuphela ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya.
Ngayiphi na imeko, oko kunokuthetha elona thuba leshishini ukuba uyazi ukuba usebenza njani kwezi modeli zotyalo mali. Nangona kunjalo kuwo onke amatyala, phantsi kwemali eyityaliweyo engafanelekanga ukuba semngciphekweni inkxaso yemali yakho. Esi sesinye sezitshixo esiza kukunceda ukuba usebenze kakuhle kwaye ke ungene kwimeko engafunekiyo nangayiphi na imali encinci naphakathi. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha bendalo obuya kuhlalutywa kwelinye inqaku kwezi mveliso zezezimali zikhulu kwaye kwangaxeshanye ziyingozi.
Umngcipheko: utshintshiselwano ngemali
Ngenye ye iimveliso ezivelayo kwiimarike zezemali, kodwa oko kuvumela ukufikelela kwezinye iiasethi zemali eziqhelekileyo. Umxube phakathi kokuthenga kunye nokuthengisa izabelo kwimarike yemasheya kunye neengxowa mali. Kodwa ukubonisa iikhomishini ezikhuphisana ngakumbi kunakwimodeli zotyalo mali zangaphambili Imali yokurhweba ngokutshintshiselana, kwelinye icala, isekwe kuzo zombini iiasethi zengeniso ezinzileyo kunye nokwahluka, kunye nolunye ukhetho.
Konke oku kungaphakathi kwimveliso yemali efanayo nale ijolise kuyo yonke imiqathango yesigxina: imfutshane, iphakathi kwaye inde. Ngokungafaniyo neengxowa mali ezenzelwe kuphela iifomathi ezimbini zokugqibela. Yindlela elula kakhulu yokuba uthathe izikhundla kukhetho oluntsonkothileyo lotyalo-mali ekuqeshweni kwakho kwaye olunokudala enye ingxaki phakathi kwabatyali mali abancinci nabaphakathi. Ngesithembiso esinamandla kakhulu okwangoku ngamaziko emboleko.
Iimveliso zoRhwebo
Ziimodeli zotyalo-mali zokwenza imisebenzi kwiimarike zezabelo kwithuba elifutshane. Ayisiyiyo kuphela yokwenza intshukumo kwimarike yemasheya, kodwa nakwezinye izinto zexabiso eziyimali ezingaziwa kakhulu kubatyali mali. Ngaphandle kokulibala ezinye izinto ezinobuchule ezinje ngezo zimelwe yi Iimali zedijithali okanye ii-cryptocurrensets. Kuba injongo ekugqibeleni kukwenza imali ibe nenzuzo ngokukhawuleza. Nangona olu phawu lukhuthaza umngcipheko wokusebenza ukuba ube phezulu kakhulu ngaphandle kwamathandabuzo ungaphulukana nemali eninzi kwiintshukumo ezijolise kurhwebo.
Kwelinye icala, olu hlobo lweemveliso ezizodwa ezikhethekileyo zemali zifuna ukufunda okungakumbi kuzo. Ke ngoko, ayisiyiyo imeko yakho, kungcono ukuba uyeke nakuphi na ukuvuleka kwizikhundla ukunqanda iimeko ezingafunekiyo kutyalo-mali. Le yeyona ngxaki iphambili ngokuthatha inxaxheba imisebenzi yorhwebo. Apho kungathandabuzekiyo ukuba yenye yeemodeli apho unokufumana imali ngakumbi ukusukela ngoku ngenxa yeempawu ezizodwa eziboniswa lolu khetho kutyalo-mali.
Iziqinisekiso: utyalo-mali oluphucukileyo ngakumbi
Yenye yeemveliso ezinomngcipheko ngokugqwesa kwaye nangona ngaphandle kokufikelela kudidi lwetyhefu ayisiyiyo enye yezona zicetyiswa kakhulu kwezona profiles ziphakathi ngabatyali mali abancinci nabaphakathi. Ngelixa kwelinye icala, ukuba iziqinisekiso zibonakaliswa ngento ethile, kungenxa yokuba zibonisa enye ye amanqanaba aphezulu okunyusa. Le nto ikhuthaza inzuzo onokuthi uyifumane ukuba ibe ngaphezulu kunezinye iimveliso zemali ezifanelekileyo kutyalo-mali. Ukufunda kwakho, kwelinye icala, kunyanzelekile ukuba awufuni ukuba neengxaki ezithile kuphuhliso lobuchwephesha botyalo-mali.
Ngapha koko, enye yeenzuzo ezinkulu ezibonelelwa zizibonelelo kukuba unokubheja, kokubini kwizikhundla ze-bearish kunye ne-bearish. Ngenxa yeli candelo, unokuziqhelanisa nayo nayiphi na imeko kwiimarike zezabelo. Ngokusebenzisa eyaziwayo izikhundla ezinje ngokubeka kunye nokufowuna. Zombini malunga nezabelo kwimarike yemasheya, kunye nezalathiso okanye amacandelo kwezi marike zezimali. Yimveliso yotyalo-mali ebhetyebhetye enokuthi ibe yeyona ndlela ibalaseleyo kwezona meko zinzima zotshintshiselwano ngokubanzi. Nangona uhlala usebenza ngononophelo kuyo yonke intshukumo oyivulayo.
Iziphumo zezemali
Alithandabuzeki elokuba sijamelene nenye yeemveliso zezemali ezinobungozi obukhulu. Ngenxa yokuba inqanaba lalo lokuphakamisa lichazwe ngakumbi. Le yeyona nto inokukwenza uphulukane phantse nayo yonke inkunzi oza kutyala imali ukusukela ngoku. Ngokuchasene noko, iziphumo zezemali yimveliso elawulwa ngamaqonga otyalo-mali lwedijithali. Ngomngcipheko omkhulu kwimisebenzi eyenziweyo ukusukela ukuba yenziwe ngokusesikweni nemiqathango ekuqeshweni kwabo ekunzima ngakumbi. Ngeekhomishini ezinokuthi zibanzi ngakumbi.
Olu didi lweemveliso zezemali kwelinye icala, zikwafuna ukufunda okungakumbi ukunqanda iimeko ezixhalabisa ngokwenene abatyali zimali abancinci nabaphakathi. Ukuya kwinqanaba lokuba yimveliso engacetyiswayo ngabahlalutyi kwiimarike ze-equity. Kuninzi kakhulu okunokuphulukana nokuphumelela kwaye le yinto ekufuneka uyithathele ingqalelo ukusukela ngoku. Kuphela kufuneka uvule izikhundla kwimveliso evela kwimali ukuba bathobekile, ngezixa ezingaphantsi kwe-10.000 euros.
Ukuthengisa ngetyala
Kwelinye icala, ukuba ukuthengisa ngetyala kubonakaliswa yinto ethile, kungenxa yokuba le mveliso ivumela ukubheja iimeko ze-bearish kwiimarike zezabelo. Ngelixa ngokuchaseneyo, le modeli yotyalo-mali ephucukileyo isekwe kwinto yokuba ikuboleka imali yokwenza lo msebenzi. Ayothusi into yokuba, eyona nto ichazayo luhlobo lomsebenzi apho intlawulo yenziwe ngexesha eliphakathi okanye elide, emva kokufunyanwa kokulungileyo okanye inkonzo. Kananjalo ngomngcipheko odlula lonke ulawulo kwaye kuya kufuneka uhlalutye ukuba kulungile na kuwe ukuba uyiqeshe ngeli xesha.
Iimali ezinoxanduva lotyalo-mali
Kwelinye icala, unokufumana iimali ezisekela ipotifoliyo yazo kwiindlela zokuziphatha zeshishini okanye ezinye ezibeka umda wokungatyali imali ekuveliseni izixhobo, kwiziselo ezinxilisayo nakwimveliso yecuba. Apho ezinye iimali zotyalo mali nikela ngamashishini angekho phantsi kukarhulumente I-0,5% yekhomishini yolawulo lwengxowa-mali, ngelixa ezinye zimiselwe ulondolozo kunye nokuvuselelwa kweedolophu ezinkulu eziyinxalenye yeArtistic Heritage yaseSpain. Njengemizekelo ekusetyenzisweni kwesi sicwangciso-mali.
Ezi mali zinokutyala kulo naliphi na ilizwe emhlabeni, kubandakanya amazwe asakhulayo, nangona kule yokugqibela utyalomali lungagqithi kwi-30% yeeasethi. Ipotifoliyo yengeniso esisigxina nayo ityalwe kwixesha eliphakathi nelide kwityala likarhulumente nakwingeniso yabucala esisigxina. Ngelixa kwelinye icala, ezi mveliso ezimiselwe ukutyala imali zimisela umda kutyalo-mali olungenziwa kutyalo-mali kwimizi-mveliso, ukuvelisa iziselo ezinxilisayo kunye necuba. Kwinto emiselweyo njengenye yeempawu zayo zesazisi.
Ivenkile yentengiso: ziziphi izinto eziluncedo?
Ngaphantsi kwegama lezixhobo, uthotho lweenkampani ezidwelisiweyo ezinxulumene ngokusondeleyo zibizwa ngokuba iinkonzo zombane nezamandla ngokubanzi. Zenziwe njengecandelo elibalulekileyo neliphambili kuzo zonke iimarike zokulingana. Bobabini kwilizwe nangaphandle kwemida yethu. Kwaye ngandlela thile, kufuneka ube nexabiso labo ukwenza nayiphi na iphothifoliyo yotyalo-mali. Nokuba yeyiphi na iprofayile oyivezayo njengomtyali mali omncinci nophakathi: ophakathi, onochuku okanye ophakathi.
Izixhobo zibalasele kuba zinjalo amaxabiso adityanisiweyo kwiindawo zabo zeshishini. Ngezibonelelo ezinkulu kwiiakhawunti zakho zeshishini kunye neenjongo zokungazinzi. Ukuguquguquka okunamandla kumaxabiso abo ayisiyiyo enye yeempawu zayo eziphambili. Ungazivula ngokugqibeleleyo izikhundla kumaxabiso abo kuba awuyi kuba nezinto ezininzi ezingalindelekanga kwiinyanga zonyaka. Ezi asethi zemali zinokufakwa kwisivumelwano ngokuthenga kunye nokuthengisa izabelo kwimarike yemasheya kunye nezinye iimveliso zezemali. Phakathi kwazo, iingxowa-mali zotyalo-mali eziguqukayo okanye ezaziwa kakhulu njengoluhlu.