Ngaba ukwanda kwemali kuyinzuzo kubatyali mali?

iyanda imali

Ukuba kukho umbutho wokudibana apho ezinye zeenkampani zidweliswe kwingeniso variable ayikho enye ngaphandle kokunyuswa kwemali eyinkunzi. Rhoqo ukuba amaxesha ngamaxesha kubekho into engaqhelekanga ngale ndlela, apho iinkampani zibhenela kwesi sicwangciso njengendlela yokuzixhasa ngokwazo kwiimarike zezemali. Kuya kufuneka uphonononge ukuba zingaphi iinkampani ezikhethe le nkqubo kule minyaka idlulileyo. Ayisiyiyo loo mali inkulu kuphela, kodwa ikwakhona nakwisalathiso esikhethiweyo sentengiso yaseSpain.

Nangona kunjalo, impikiswano ivela ngelixa abatyali zimali abancinci nabaphakathi bevavanya ukuba ezi ntshukumo zidibeneyo ziluncedo kusini na kwimidla yabo. Kwaye okona kubaluleke kakhulu, ukuba uyinyani kuyacetyiswa ukuba uhambe Ukunyuswa kwemali eyabhengezwa ziinkampani ezidweliswe kwii-equities. Kusenokubakho izimvo kuko konke ukuthanda, kodwa inyani kukuba azifumaneki kakuhle kwiimarike zemali. Njengoko kubonisiwe kwiminyaka yakutshanje.

Kwiminyaka yakutshanje, iinkampani ezininzi ezidwelisiweyo ziye zangena kule nkqubo yeshishini eyahlukileyo. Ngamanye amaxesha, njengomtyali mali, ukwazile ukuxhamla. Kodwa kwelona, ngokuhla okunokubakho kwizikhundla zotyalo-mali lwakho. Ukuza kuthi ga kwinqanaba lokuba inkunzi inyuke kwabo baxhamla kakhulu ziinkampani ezijongene nokuzenza. Kwaye hayi kuzo zonke iimeko. Ngelixa izabelo zabambalwa, njengakwimeko yakho, zingaphumi kakuhle kwezi meko. Njengoko uya kuba nethuba lokuqinisekisa ukusukela ngoku.

Yintoni ukwanda kwemali eyinkunzi?

Okokuqala, kuya kufuneka ukuba uyazi ukuba yintoni le ntshukumo iqulunqweyo kuyo yonke amandla ayo. Kungenxa yokuba, kukusebenza kwemali yokubaluleka okuthile okujolise ekwandiseni oovimba boluntu ukuze babenakho Ukuxhasa ngezimali utyalo-mali olutsha. Basebenzisa iindlela ezahlukileyo zokubasa kwiphenyane. Nokuba kukhutshwa izabelo ezitsha okanye ngokunyuka kwexabiso eliphantsi lezabelo ezikhoyo. Ngamanye amaxesha banomdla wokubhalisa kunakwimeko ezithile.

Nokuba yeyiphi indlela, kukho into ebaluleke kakhulu ekufuneka uyazi. Ayisiyonto ngaphandle kwento yokuba kufuneka zenziwe zibe semthethweni xa izikhundla njengomnini zabelo ziyomelezwa. Okanye yintoni efanayo, xa usebenzisa lo msebenzi ufumana imali oyityalileyo ukuba inyuke, ubuncinci kakhulu. Nangona kunjalo, oku akwenzeki ngalo lonke ixesha, kwaye kusenokwenzeka nokuba uphulukane nemali ngokuhamba kwenkunzi. Ngokukodwa ukuba utyalomali lwakho lujolise kwelona gama lifutshane.

Elinye ityala elahluke mpela lelokuba ukuba iimeko zesisigxina zijolise kwixesha elide: eliphakathi nelide. Kule meko, ukusebenza ngokubanzi kunenzuzo enkulu. Ingakumbi ukuba aziphuhliswanga ngomgibe omncinci kwicala leenkampani ezijongene nokubhengeza. Kuzo zonke ezi meko, eyona nto icetyiswayo kwimidla yabatyali mali abancinci nabaphakathi kukungayi kunyuso lwenkunzi. Kuya kuba sengqiqweni oko thengisa izikhundla kwezokhuseleko ezifumaneka kule meko.

Ukwandiswa: iintshukumo zamva nje

Iintsuku ezimbalwa zidlulile okoko kwabhengezwa ukunyuswa kwemali eyokugqibela. Kuba ngokwenene inkampani yokwakha Ikhabhathi kwiintsuku ezimbalwa ezidlulileyo ikhuthaze ukonyuka kwemali eyixabiso engama-38 ezigidi zeerandi. Ngenjongo yokuxhasa ngezimali inxenye yesicwangciso seshishini kule minyaka mihlanu izayo kude kube ngowama-2021. Ngalo msitho, ixhaswa ngabanini zabelo bendawo ekuyo ngoku. Nangona ihlala ibonwa ukuba le milinganiselo izakuchaphazela njani isikhundla sabatyali mali bale nkampani.

Nokuba yeyiphi na, zininzi iinkampani ezincinci abadlulileyo kule nkqubo ikhethekileyo kule minyaka idlulileyo. Ngeziphumo ezingathandekiyo kwimidla yakho. Akumangalisi ukuba, zikhokelele ekuhleni kwamaxabiso. Kwezinye iimeko phantsi kweepesenti ezinkulu kakhulu. Apho abahlanguli bashiye i-euro ezininzi apha endleleni. Esona sisombululo kufuneka uphephe ezi meko ziyingozi asizukukhulisa nangayiphi na indlela.

Ukhuseleko lwenqanaba lokuqala, oko kukuthi, zidweliswe kwisalathiso esikhethiweyo sentengiso yespanish yaseSpain, i-Ibex 35, nayo iye yadlula kule meko. Eminye yemizekelo ebalaseleyo yile IBanco Santander, FCC okanye iSacyr. Ezi ziphumo zixubeneyo kubanini zabelo abancinci. Apho kwindawo elungileyo yezihlandlo abaye bakhetha ukuthengisa izabelo zabo, de bathathe nqanaba lelahleko. Njengokuba mhlawumbi kunokuba yimeko yakho.

Ufanele usebenze njani?

ukubala

Ngalo lonke ixesha le meko iqhubeka, awuzukukhetha kodwa ukuba ujonge kakhulu into ekufuneka uyenzile. Kuba, ngenene, kufuneka wenze ngesantya esikhulu. Akumangalisi ukuba iinkqubo zeshishini ziphuhliswe kakhulu indawo encinci yexesha. Kuyinyani ukuba ibhanki apho ubeke khona ipotifoliyo yakho yezokhuseleko iya kuba nesibophelelo sokwazisa le nyaniso ifanelekileyo, ngokubanzi ngeleta, nange-imeyile. Kodwa kuzo zonke, ayizukuba ngumbono ombi ukuba uqaphele okwenzekayo kwiinkampani apho uneendawo ezivulekileyo.

Uya kuba nexesha elifutshane lokujonga ukuba kufanelekile na ukuya kolu hlobo lokonyuswa kwemali. Kunokuba luncedo kakhulu ukuba unokubonana nengcali kolu hlobo lwemali. Okanye kwibhanki yakho yesiqhelo. Baza kukunika ukukhanya ukuze wazi ukuba ungenza ntoni kwezi meko. Nje ukuba uthathe isigqibo esicacileyo, kuya kufuneka wazise iziko lezemali apho uthenge khona izabelo. Unomhla obekiweyo wokuthatha isigqibo.

Ukuphendula kwestokhwe

Enye into omele uyiqwalasele yindlela eliya kutshintsha ngayo ixabiso lesabelo emva kokuqala kokonyuka kwemali eyinkunzi. Ewe, ngesiqhelo lungelelanisa amaxabiso abo ezantsi. Ukuziqhelanisa kuthetha ukuba uyakulahlekelwa yimali kwizikhundla zakho kwizabelo. Kwezinye iimeko, ngaphezulu kwezinto ezinokuthathwa ngabatyali mali abancinci nabaphakathi. Kuya kufuneka ulinde iinyanga ezininzi ukuba ikowuti ibuyele kwinqanaba lexabiso layo. Nangona ngekhe baphinde bakwazi ukuyenza kwakhona kwiimeko ezithile.

Kuya kuba ngaphezulu kokuyimfuneko kuwe ukuba uhlalutye ukuba liya kuba yintoni ixesha lokuhlala kwakho: lifutshane, liphakathi okanye lide. Ayothusi into yokuba iya kuthi ikakhulu igqibe ngesigqibo ekufuneka usenzile ukusuka kula mathuba. Olunye umahluko olunokwenzeka ukuba ungaya kwi Ukunyuka kwemali eyinxalenye kwizabelo zakho. Ewe ewe, unako. Nangona enye into eyahluke kakhulu kukuba esi sicwangciso siya kuba yinzuzo kutyalo-mali. Kungcono ukuba wenze isigqibo esiphikisayo: nokuba yeyiphi okanye nasa. Yinto elula kwaye ke awukuzicinezeli ezi ntshukumo ebhegini.

Ngaba le misebenzi ixabisa imali?

dinero

Kananjalo, ukunyuswa kwemali ayizukufuna nayiphi na ikhomishini okanye inkcitho kulawulo okanye kulondolozo lwabo. Enye into eyahluke mpela kukuba ubhalise izabelo ezintsha ekufuneka uzithengile phantsi kwexabiso elithile. Kuyo nayiphi na into, ibalulekile isaphulelo ngokubhekisele kwixabiso lamaxabiso akho. Ukuya kwinqanaba lokuba inokuba ngumsebenzi onenzuzo enkulu yokwandisa ukonga okutyaliweyo. Yenye yemiba ekufuneka ucamngce ngayo uzolile kwaye kwangaxeshanye ubulumko.

Nangona kuyinyani ukuba le misebenzi kwiimarike ze-equity ayiyi kubandakanya nayiphi na inzame yemali. Ukulunga malunga nembuyekezo onokuyifumana ukuba ukhetha oku kuhamba ngokudibeneyo kuyabonakala. Kungenxa yokuba eneneni, ekuhambeni kwexesha ndinako ukwenzakalisa okungaphezulu kunokukunceda. Iya kuba ngumbuzo wokuthatha ikhalityhuleyitha wenze nenani kwinto onokuyifumana okanye ongayi kuyifumana kwesi sigqibo seshishini. Ayothusi into yokuba baya kuyithengisela wena kwinkampani njengeyona nto iluncedo kakhulu kwizikhundla zakho. Kodwa ayizukuba lukhulu kangako, kude nayo. Kwanele ukuba ujonge iintshukumo zokugqibela kwezi mpawu. Inyani iya kwahluka kakhulu kuleyo bakuxelela yona.

Ukwenza ukonyuka kwemali enkulu kunokuba sisigqibo esibalulekileyo kwikamva lenkampani. Kodwa loo nto ayinanto yakwenza nomdla wakho njengomnini zabelo, ubuncinci njengomtyalomali omncinci. Nangona isuka kwindawo yokujonga amashishini amele ukwanda kwi-lizixhobo loluntu ukujongana ngokukuko ngakumbi nemiceli mngeni eza nekamva.

Kodwa ngeli xesha, iya kuba lixesha elifanelekileyo lokuba uzibuze ukuba loluphi uhlobo lweempembelelo olunazo kuwe. Ukuya kwinqanaba lokuba kunyanzelekile ukuba uqwalasele ukuba ungawenza na lo msebenzi. Isenokuba sisigqibo esinzima kakhulu ukusenza kwisithuba esifutshane kangaka. Ngayiphi na imeko, iya kuba yinto yendalo oya kuhlala nayo kwiimarike ze-equity. Nangona kwamanye amaxabiso esitokhwe ngaphezulu kwezinye. Iya kuba semngciphekweni oya kuthi uthabathe ukuba ekugqibeleni uthathe isikhundla kuzo. Umsebenzi unakho okanye ungahambi kakuhle kuwe. Awunokwazi ngokwenene.


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