Enye yeenjongo eziphambili zabo nabaphi na abatyali mali abancinci nabaphakathi kukuthintela ilahleko ekubeni ifakwe kwipotfoliyo yotyalo mali. Okanye kwabo bancitshisiweyo ebusweni beyona meko imbi kwiimarike ze-equity. Ngendlela ebonakalayo kwaye inokukunika umbono ongaphezulu kwesinye wokuphumeza le minqweno inqwenelekayo. Njalo ukusuka kwindawo yokujonga ejolise kubatyali mali banamava amancinci kwiimarike zezemali.
Ukusuka kule ndlela yohlobo oluqhelekileyo, yintoni ekupheleni kosuku ukuba ungaphendula ngokufanelekileyo kwiintshukumo ezimbi kwiimarike zezabelo. Ayothusi into yokuba le yenye ye ezona mpazamo zixhaphakileyo ezihlala zenziwa yinxalenye elungileyo yabatyali mali abancinci nabaphakathi. Kodwa ukusukela ngoku, esi siganeko sinokulungiswa ukuze ubenakho ukwenza imali kakuhle malunga nemisebenzi oza kuyenza kwintengiso yemasheya.
Ngelixa kwelinye, awungekhe ulibale ukuba esi sisicwangciso esikhethekileyo semali eseleyo kwiakhawunti yakho yokonga ukuba izinze ngakumbi kunangoku. Njengabo Iziphumo zebhalsam Kwezokhuseleko ozikhethileyo kwipotfoliyo yakho elandelayo yotyalo-mali. Nokuba siphi na isicwangciso sotyalo-mali oza kusenza ukusukela ngoku. Ukuze uzibekele iinjongo kutyalo-mali lwakho kwimarike yemasheya. Ngaphandle kwezinye izinto eziqwalaselweyo zobuchwephesha kwaye mhlawumbi kude kube kwinqanaba lokujonga izinto ezisisiseko.
Ungazithintela njani ilahleko kwimarike yemasheya?
Iresiphi yokuqala yokufezekisa ezi njongo kwiimarike ze-equity ilele kwinto yokuba kufuneka wazi kakuhle amasheya oza kuthatha kuwo izikhundla. Akunyanzelekanga ukuba ibekhona nakweyiphi na inkampani edwelisiweyo, kodwa kuya kufuneka uqaphele umgca wayo weshishini kwaye kunjalo nokuvela kwayo kwiimarike zezemali. Njengokunxibelelana nentshukumo zakho kwi ukuseta amaxabiso akho. Ukuze ngale ndlela, wenze iimpazamo ezininzi ezimbalwa xa ukhetha utyalo-mali lwakho. Iziphumo ziya kuba ntle kakhulu ngexesha lokusetyenziswa kwayo, njengoko ubona ukuba uyasiphuhlisa esi sicwangciso sotyalo-mali.
Lazi ixabiso lokungena
Ingcebiso yesibini ukunqanda ilahleko kwiimarike ze-equity kukukhetha kakuhle amaxabiso okuthenga. Kuba inzuzo yotyalo-mali iya kuxhomekeka kubo. Ukuya kwinqanaba lokuba yinkqubo entsonkothileyo ukuyenza ngempumelelo ethile. Kodwa ekupheleni kosuku inokukunika ngaphezulu kovuyo olunye kwezi zihlandlo. Ingakumbi ukuba lo msebenzi ukhatshwa yintengiso ebalaseleyo. Oko kukuthi, ngowona mahluko mkhulu kunokwenzeka phakathi kwamanqanaba okungena kunye nokuphuma kwaye ekugqibeleni iya kugqiba isiphumo semisebenzi eyenziweyo kwiimarike zezabelo.
Gcina imali kwiindlela zokunyusa
Ngaphambi kokuba utyalomali kwimarike yemasheya, kuya kufuneka ujonge imeko esisiseko kwiimarike zemali. Kwimeko apho, kuya kufuneka uvule izikhundla kwiintshukumo ze-bearish kwimarike yemasheya kuba unazo zonke iivoti zokushiya i-euro ezininzi apha endleleni. Ungakulibali ukusukela ngoku kuba kuya kukunceda ugcine imali yakho kwimarike yemasheya ngaphezulu kwezinye izinto eziqwalaselwayo. Ngale ndlela, kuluncedo ukusebenzisa le milinganiselo kwiimeko ezivelayo ukungazinzi okuphezulu. Apho amaxabiso aphezulu kunye neyona nto iphantsi kakhulu kwaye inokukhokelela ekwenzeni impazamo engaqhelekanga. Ukuyiphumeza kunokuthetha imali eninzi kwimali eseleyo kwiakhawunti yakho ekupheleni konyaka. Ungalibali ukuba ufuna ukuba nolwalamano oluhle kunye neemarike zezabelo ukusukela ngoku.
Sukwenza imisebenzi emikhulu
Kwelinye icala, isicwangciso-nkqubo esifanelekileyo sotyalo-mali sisekwe kukungenzi imisebenzi emikhulu ukusuka kwindawo yokujonga isixa semali sabo. Ngelixa kwelinye icala, yinto ekuncedayo ukuba ilahleko ezinokubakho zinxibelelene ngokubhekisele kubunzulu bazo. Ukongeza, awunyanzelekanga ukuba wenze imali engaphaya kwamandla akho kwaye ekuphela kwento enokukuzisa ziingxaki ukuba ukungazinzi uhlala kwiimarike zezabelo. Apho ngokugqibeleleyo ungaphulukana ne-20% yegalelo elenziwe kwintengiso yemasheya.
Fumana ukhuseleko olungamanzi kakhulu
Nangona inokukumangalisa, akukho mathandabuzo ukuba esi sicwangciso sotyalo-mali sinokuba nomdla kakhulu ukukhusela izikhundla zakho kwiimarike zezabelo. Phakathi kwezinye izizathu kuba ungangena kwaye uphume kwiimarike zemali ngexesha olifunayo. Ukuya kwinqanaba lokuba ukwazi hlengisa ukuthenga nokuthengisa amaxabiso yokwandisa ukusebenza ngeyona ndlela ibhetele. Ukuze ngale ndlela ukwazi ukulawula iintshukumo ozivulekileyo kwiimarike ze-equity. Akumangalisi ukuba kuyakubiza imali encinci ukuyiphumeza ngokhuseleko olukhulu olwenziwa kwisalathiso sentengiso yaseSpain.
Amaxabiso akude neenkxaso
Icebo elincinci elihlala linika iziphumo ezonelisayo kakhulu kukuthenga izitokhwe kwisitokhwe esikufutshane nokuxhathisa kwabo kunokuba befuna ukuxhasa. Oko kukuthi, kubaluleke kakhulu ukuba ungavuli izikhundla kufutshane ne amanqanaba enkxaso kuba ukuba kugqityiwe, ukubakho kokuwa kungaphezulu kokufanelekileyo. Ukuya kwinqanaba lokuba awuzukukhetha ngaphandle kokuthengisa izabelo emva kweentsuku ezimbalwa. Ke ngoko, kuya kufuneka usebenzise uhlalutyo lobuchwephesha ukusebenzisa esi sicwangciso ukukhusela izikhundla zakho kwiimarike zezabelo. Ngomgangatho ophezulu kakhulu wokusebenza nangaphezulu kweengcebiso zangaphambili esizikhankanyile kweli nqaku.
Musa ukuthenga ngaphezulu
Ukwenza imisebenzi kwimarike yemasheya phantsi kwesi sicwangciso sotyalo-mali akuzisi miphumo mihle ekuphathweni kweentshukumo zakho kwiimarike zezabelo. Kungenxa yokuba ekupheleni kosuku kusebenza kuphela ukuze emva kweentsuku ezimbalwa uthengile ube kwinqanaba lokufumana imali kunye nayo yonke into enokuthi ichaze imeko yepotifoliyo yakho yotyalo-mali. Kungenxa yokuba sisicwangciso esinobungozi kakhulu onokuthi uwele kuso ukuba ukhetha amanye amaxabiso abonisa ezi mpawu. Ayothusi into yokuba unokuninzi okuphulukene noku kunokuzuza. Kuba ungathandabuzi oko ukulungiswa kuya kufakwa kwiimarike zezabelo. Ke ngoko, lumka kakhulu ngale nto kwimarike yemasheya ngenxa yefuthe le-bearish elinayo xa uthenga izabelo.
Musa ukuthathela ingqalelo ixesha elimisiweyo elifutshane kakhulu
Alithandabuzeki elokuba kufuneka ucwangcise amaxesha okusisigxina kutyalo-mali lwakho kwiimarike zokulingana kwemali. Ngale ndlela, enye yezona ngcebiso zibalaseleyo ngeli xesha kukujonga imisebenzi ekhawulezayo kakhulu onokuyenza inzuzo ngeentsuku ezimbalwa okanye nakwiiveki. Ukusuka apho unokujongana nayo amatyala aphezulu kwibhalansi yakho yokujonga. Awungekhe ulibale ukuba oku kuyakufuneka ukuba uphuhlise iqhinga elinobundlongondlongo ngakumbi kunangoku. Apho iyakongamela ngaphezulu kwako konke ukujonga amaxabiso anokulufanelekela kakhulu olu hlobo lokusebenza kwaye ekufuneka ibenokubakho ngokupheleleyo ukungena nokuphuma nangaliphi na ixesha. Oko kukuthi, ufuna imali encinci ngakumbi kwixabiso lesitokhwe olikhethileyo ngoku kwipotifoliyo yezokhuseleko.
Ukwahlulahlula ngolunye utyalomali
Ukuze ezi zicwangciso ziphumelele, akukho mathandabuzo ukuba uzakufuna ukwahluka okukhulu kutyalo-mali. Oko kukuthi, ukuxhomekeka kwezinye iimveliso, zombini ingeniso esisigxina kunye neyahlukileyo. Umzekelo, iidipozithi zebhanki zexesha elimiselweyo okanye iimali zotyalomali ezisekwe kwezi asethi zemali. Ukusuka apho unokukhusela khona izikhundla zakho ukunqanda iimeko ezingafunekiyo kwimidla yakho xa ujongene nokungazinzi kwiimarike zezabelo. Ngelixa kwelinye icala, inokubonelela ngozinzo olukhulu kwindlela ojonga ngayo utyalomali lwakho. Ngokuchasene noko, sisikhokelo esibaluleke kakhulu sokunika ixabiso elikhuselayo kubudlelwane bakho nehlabathi lemali.
Isilumkiso ngamaxesha ehlobo
Ngayiphi na imeko, kwimeko yohambo lokonwaba okanye ukunqamla unxibelelwano kwinto yemihla ngemihla, kungcono ukulibala kwiintsuku ezimbalwa ukuba Utyalomali lwethu luyakhula Kwaye oku kunokufezekiswa ngesicwangciso esiphindiweyo esifumanekayo kubo bonke abasebenzisi bemakethi yesitokhwe. Kwindawo yokuqala, sishiya iiakhawunti zethu zizonke, oko kukuthi, ukulahla izikhundla zokuthenga kwaye bakufika bevela kuhambo, qala inkqubo yokuthenga. Okwesibini, kusetyenziswa ii-odolo ezinemiqathango eziza kubangela ukuba iindawo zokuthenga zitshintshwe ngexabiso elithile. Kwiinyanga xa useholideyini, kuya kufuneka ulumke ngakumbi kwizicwangciso oza kuzenza ukusukela ngoku. Ngomngcipheko omncinci onokukhokelela ekubeni ulahlekelwe yimali ekusebenzeni.