Ukuba ungomnye wabo bantu bangene kwiimarike ze-equity ukusukela ekuqaleni kwalo nyaka, ngokuqinisekileyo uya kuba neenzuzo ezinkulu zemali kwiakhawunti yakho yezokhuseleko. Kuba, enyanisweni, inzuzo yesalathiso semilinganiselo yemarike yaseSpain ngeli xesha yile kufutshane kakhulu ne-15%. Kwaye nokuba amanye amaxabiso afikelele kwinqanaba elonelisayo nangakumbi kwimidla yabatyali mali abancinci nabaphakathi. Kwimithambo ekufuneka ngokungathandabuzekiyo ichongwe njengokuqinisekileyo kubasindisi baseSpain.
Ngenxa yoku Ukusebenza okugqwesileyo kweemarike zezabelo kuza ingxaki enokwanelisa kakhulu kubo bonke abasebenzisi. Ewe, ayikho enye into enokuyenza ngeenzuzo ezinkulu ezifunyenwe ukuza kuthi ga ngoku. Kuba kaloku, ngoku lixesha lokuba uqwalasele ukuba unantoni na oyenzayo. Nokuba kugcinwa izikhundla ezikhoyo okanye ukuba elona xesha lelona xesha lifanelekileyo lokuthengisa izabelo. Ngale ndlela, bonwabela inzuzo kwezo zinto uzifunayo
Elinye lamaqhinga ekufuneka ulisebenzisile kule mihla kukuhlalutya imeko yeakhawunti yakho yebhanki. Ukwazi esona sicwangciso silungileyo kuwe ukusukela ngoku. Ukongeza ekwazini imeko yeentengiso ezahlukeneyo zezemali ukuze wazi apho kufuneka uqondise khona igalelo lakho lezemali. Ke ekugqibeleni akukho nto ishiywe ekuphuculeni. Iya kuba ngumsebenzi ekungafuneki ukuba uthathe ixesha elide ukuba ufuna ukwenza ukonga kwakho kunenzuzo kodwa ukonwabele oko. Yinto esisiseko kuzo zonke iintlobo zabatyali mali, zombini ezobundlongondlongo kunye nolondolozo okanye ukuzikhusela.
Ingeniso eyinkunzi: thengisa izikhundla
Enye yeendlela zokuqala onokuzithatha kukuthengisa izabelo zokhuseleko olutyalomali kulo nyaka. Kodwa hayi ngalo naliphi na ixabiso, kodwa ihlala ikwimeko ezilungileyo ezinikezelwa ziimarike zezabelo. Ngayiphi na imeko, kuya kufuneka uyazi ukuba lixesha elifanelekileyo lokuhlengahlengisa izikhundla emva kokuphononongwa kwamashishini eSpain. Kungenxa yokuba kukhethwa oko Yonwabele le mivuzo eziza kuqhubeka nokulingisa ithamsanqa kwiinyanga ezimbalwa ezizayo. Ngale nto siza kukunika uthotho lweengcebiso eziza kuba luncedo kakhulu ekukhawuleziseni ukuthengisa kwaye unokufumana inzuzo encinci.
Elinye lala macebo awodwa kubandakanya ukuthatha ithuba lokunyuka okunamandla okuthengisa izabelo. Yimeko eya kuthi ngokuqinisekileyo yenzeke ukusukela ngoku. Ukufezekisa le njongo uyifunayo, kufuneka ubeke usukelo kunye nexabiso elinokufikelelwa ukushiya iimarike zezemali. Ungaze uyenze kwiinkqubo zokulungisa okanye ngamanye amaxesha ukwehla kwimarike yemasheya. Kungenxa yokuba iya kuba yindlela yokunciphisa inzuzo, nokuba inendlela enoburharha kwezinye zeemeko ezimbi ezinokuthi ziveliswe kwiimarike zezemali. Ewe awuzukukhetha ngaphandle kokuhlengahlengisa ixabiso ukuze uphume kwiiasethi zemali.
Intengiso yenxalenye endaweni yeetotali
Ukuba awufuni ukushiya iimarike ze-equity ngokuqinisekileyo, unesinye isicwangciso esinokwanelisa ibango lakho ngabo bonke ubungqongqo. Imalunga nokuqonda intengiso yenxalenye endaweni yelizwe jikelele. Ngale ndlela, uya kuba nakho ukudibanisa ezi ndlela zimbini apho izindululo zakho zijolise khona. Kwelinye icala, uya kuba nakho ukonwabela iinzuzo ezinkulu ezizuziweyo ukuza kuthi ga ngoku. Kwaye kwelinye, uya kuba nethuba lokuqhubeka kwiimarike zezemali ukuqhubeka nokwenza ukonga kwakho kunenzuzo kwiinyanga ezimbalwa ezizayo. Isikhundla esiphakathi esinokunceda nayiphi na iprofayili yomtyalomali omncinci naphakathi. Kuba idibana nazo zonke iimbono ozifunayo kubudlelwane bakho nelizwe elihlala linzima lemali.
Ngayiphi na imeko, into ekufuneka uyixabise ngaphezu kwako konke yipesenti ekufuneka isetyenziswe kwisicwangciso ngasinye sotyalo-mali. Nangona kunjalo, kwisicelo sayo kufuneka iprofayile ixabiseke kakhulu oyibonisayo njengomtyali mali. Kuba iyakwahluka kwindlela enobundlobongela kwabanye egcina kakhulu. Akumangalisi ukuba iyakuba yenye yomahluko omkhulu xa usenza esi sicwangciso sikhethekileyo sokukhusela umdla wakho kunye nokugcina inzuzo yakho ngaphezulu kwezinye izinto zobugcisa.
Phinda uyityale kwezinye iimveliso
Ukuba ekugqibeleni isigqibo sakho sixhomekeke ekuthengisweni kwezabelo, uya kuhlala unendlela yokuyalela le minikelo kwezinye iimveliso zezemali. Ngokukhethekileyo kwimali engenayo esisigxina ukugcina kunye nokuqinisekisa ukonga. Uluvo ngale ndlela lunakho ihanjiswe ngedipozithi yekota. Kungenxa yokuba ngeli nyathelo lilula uya kuba kwimeko engcono yokwandisa umvuzo wakho ngokufumana imbuyekezo eqinisekileyo neqinisekileyo ukusuka kulo mzuzu kanye. Kuyinyani ukuba izixa-mali oza kuzifumana azimangalisi, kodwa ubuncinci uyakuvelisa ukubuyisa inyanga nenyanga ezinokugqitha kancinane isithintelo se-1%.
Kwelinye icala, unokuhlala ubuyela kwiimarike zezemali ngowona mzuzu ulungileyo. Emva kwekhefu elifanelekileyo kwiimarike ze-equity kwaye ubuye womelele ngakumbi ukuba kunokwenzeka. Nokuba uhlalutya olona luxabisekileyo kumzuzu ngamnye kwaye uthathe ithuba lokufumana imeko kwiimarike zemali. Ayothusi into yokuba sesinye sezicwangciso ezisetyenziswa ngabatyali mali abanamava kuzo zonke iintlobo zeeasethi zemali. Kuya kufuneka uhlangabeze imfuno enye efunekayo. Ayikho enye into ngaphandle kokwazi elona xesha lilungileyo lokungena kunye nokuphuma kwiimarike zezemali. Into ekungasoloko kulula ukuyifezekisa. Ukwenza ngokuchanekileyo, awuzukukhetha ngaphandle kokuba uqeqeshwe kwaye wenze isicwangciso esibalwe ngokufanelekileyo.
Kutheni ungathengisi izabelo?
Ngokuchasene noko, ungaqhubeka nakwimakethi yesitokhwe ukuzama ukukhawulezisa inzuzo eyenziweyo ukuza kuthi ga ngoku. Le ntsebenzo izakuvumela ukuba ube ndlongondlongo ngakumbi kwiindlela zakho kwilizwe lotyalo-mali. Kuyinyani ukuba umngcipheko uphezulu kakhulu, kodwa ukubuyisela uya kuba kwimeko engcono yokwandisa ibhalansi yeakhawunti yakho yokujonga. Nangona kunjalo, kukho iimeko ezithile apho esi sicwangciso sinokuba luncedo kakhulu kwimidla yakho. Ukongeza, kuyakufuneka ihambelane neprofayile oyivezayo njengomtyali mali omncinci nophakathi.
Enye yezi meko apho kuluncedo ukugcina izikhundla zakho kwii-equities kuxa ii-indices zesitokhwe zihamba phantsi kwenyani ecacileyo yokunyuka. Phakathi kwezinye izizathu, kuba ngokuqinisekileyo umvuzo wakho uya kuqhubeka nokubaleka. Oko kukuthi, uya kuzandisa ngokuxhomekeke kubungakanani bolonyuso. Liqhinga elinokusetyenziswa ngabatyali mali abakhohlakeleyo abangonelisekanga ngamanqanaba eenzuzo ezinkulu ezifunyenwe ukuza kuthi ga ngoku. Ayothusi into yokuba, umvuzo onokuwufumana uya kwanelisa ngakumbi kwimidla yakho.
Bamba izikhundla
Olunye uncedo oluphambili lokusebenzisa le ndlela kutyalo-mali lusekwe kwinto yokuba inokukunceda ukuba wenze ibhegi yokonga ezinze ngakumbi kunangoku. Kodwa ukuze oku kube ngale ndlela, awuyi kuba nesisombululo ngaphandle kokukhetha eyona ndlela ichanekileyo yokuphuhlisa esi sicwangciso. Ngokusebenzisa iinkampani ezinemali enkulu kwaye ezingabonisi kuguquguquka okukhulu kwikoteyishini yamaxabiso abo. Umzekelo, kwindawo ekuthiwa yi- amaxabiso ebhanki ehagu ezo ke ezo zibonisa uhlalutyo oluncinci kodwa oluqhubekekayo olulunge kakhulu ekuphuculeni ubulungisa babasebenzisi bemarike yemasheya.
Unokukhetha amaxabiso nge izahlulo kwaye ivumela abagcini-mali ukuba babenesixa esiqingqiweyo nesiqinisekisiweyo minyaka le. Ngeepesenti ezisusela kwi-3% ukuya kwi-9%, Kuxhomekeke kwizindululo ezikhethiweyo ukusukela ngoku. Ngenxa yesi sicwangciso, uya kuhlala unemali kwiakhawunti yakho yokujonga ukuba uchithe kuyo nayiphi na imfuno evelayo. Konke oku ngaphandle kokuvela kwexabiso kwiimarike zemali. Kule meko, kunokuba luncedo kakhulu kwimidla yabatyali mali. Nangona kunjalo, ukuseka ixabiso lokuthengisa elingaphantsi okanye elifanele ukwenziwa kwiimarike zezemali.
Yenza ukuthengwa kwesabelo
Okokugqibela, ungathengisa izabelo zakho zithenge kamva. Xa kukho izilungiso ezibalulekileyo kwiimarike. Ke ngale ndlela, ukukhula kokukhula kotyalo-mali lwakho kunamandla amakhulu kunangoku. Kungenxa yokuba phakathi kwezinye izizathu, uya kuba nenqanaba eliphezulu kumaxabiso akhethiweyo ukusebenzisa esi sicwangciso sobuchule.
Nangona kunjalo, kuya kufuneka ubonelele ngamava ngakumbi ekusebenzeni kwezi mpawu. Kungenxa yokuba unamathuba aphezulu okufezekisa iinjongo zakho. Nangona kuzo zonke iimeko, awuzukukhetha ngaphandle kokuhlengahlengisa ukuthengwa kunye nentengiso. Ngenjongo echazwe kakuhle kuba ihlala isenza imisebenzi kwintengiso yesitokhwe ibe yinzuzo ngakumbi. Akufanele uzenze phantsi komyalelo wokuphuculwa njengoko ziya kunciphisa amathuba akho okuphucula isikhundla sakho kwiimarike zezabelo.