Phantse bonke abatyali mali bayazi ukuba izabelo ziyinxalenye yenzuzo yenkampani ethatha isigqibo sokuyihambisa phakathi kwabanini zabelo. Yi umvuzo ohleliyo noqinisekisiweyo eya kwiakhawunti yakho yokutshekisha minyaka le ngokusekelwe kumaxesha akho okuhlawula. Ziye zithathelwe ingqalelo njengenxalenye yengeniso esisigxina ngaphakathi kokungafaniyo, nokuba ixabiso lesabelo sabo licatshulwa njani. Oku kuyathandwa ukuba unyaka nonyaka kukho amawaka kunye namawaka wabatyali mali abancinci nabaphakathi abakhetha esi sicwangciso sikhethekileyo sokutyala imali. Nangona kubahlalutyi abaninzi ijolise ikakhulu kwiiprofayili zabatyali mali bezokhuselo okanye bendalo.
Isahlulo, nakweyiphi na imeko, sihlawulwa ngemali ezinkozo kwaye lo msebenzi wenziwa ngokusesikweni ngonyaka, nangona ngamanye amaxesha iinkampani ezidwelisiweyo zinokuthatha isigqibo sokuhlawula ibhonasi. Kude kubeyiminyaka embalwa edlulileyo bekubonakala ngathi lomvuzo wabanini zabelo yayingumbandela wezabelo kwimarike yemasheya. Oko kukuthi, ukuqokelela bekungekho enye indlela ngaphandle kokuya kwiimarike zesitokhwe. Lo mkhwa utshintshile ngovuyo waba ngcono okoko enye yezona mveliso zaziwayo njengezemali zotyalo-mali zithathe induku ukuyibhatala egameni labathathi-nxaxheba.
Okwangoku, malunga neepesenti ezili-15 ze mali mali ukubonelela ngolu hlobo. Aziveli ku ngeniso ekhoyo Abasebenzisi abaninzi banokukholelwa. Endaweni yoko, ngokuchaseneyo, esi sicwangciso semivuzo sandisiwe kwingeniso-mali esisigxina, imali, enye imali, kwaye ekugqibeleni, nangaluphi na uhlobo okanye ubume. Ngamaxesha afanayo okuhlawula njengasekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Ngamanye amagama, qho ngonyaka, ngekota yonyaka, kabini ngenyanga okanye ngekota, kuxhomekeke kwimodeli ekhethiweyo. Ngesibonelelo esandayo esivela kubaphathi abohlukeneyo bamanye amazwe.
Buyisela kwimali
Enye impazamo eyenziwe linani elilungileyo labatyali mali liza kufikelela kwisigqibo sokuba izabelo kwimali ezihlangeneyo azinanzuzo kangako kunezo ziveliswe kwintengiso yemasheya. Ewe akunjalo, kwaye enyanisweni kukho imeko ephikisayo yokuba okwangoku kukho imali esele inikezela ngesivuno esiphezulu kuneso siphuma kwintengiso yesitokhwe. Malunga ne-8% kunye ne-9% kwaye kabani osasazo oluya kwiakhawunti yebhanki yabasebenzisi, emva kokucuthwa ngokufanelekileyo kweerhafu ezisetyenzisiweyo kulo mvuzo kumnini zabelo.
Kwelinye icala, kuyinyani ukuba imali yotyalo-mali yokulingana ihlala inesisa ngakumbi kunaleyo ivela kwezinye iiasethi zemali. Ngumahluko othile onokufikelela okanye ungade igqithe amanqaku eepesenti ezintlanu. Into esengqiqweni yokuyiqonda ngabona baninzi abatyali mali abancinci nabaphakathi. Enye into ekufuneka uyithathele ingqalelo ngeli xesha kukuba ezi ntlawulo azisekho manqaphanqapha kodwa zichaphazela uninzi lwezi mveliso zezemali. Ewe kunjalo, ngaphezulu kunokuba ungacinga ekuqaleni kwaye kwanele ukuba ujonge isithembiso sangoku ukuze uqonde le nyani.
Zenziwa njani iintlawulo?
Olunye luthandabuzo olukhulu abanalo abatyali mali lubhekisa kwindlela ekuqokelelwa ngayo lo mvuzo. Ewe, izabelo kufuneka zithengwe ngaphambi komhla wokukhutshwa kwesahlulo. Ngokufanelekileyo, ngolindelo oluthile njengoko kusenzeka nakwimarike yemasheya. Ngomda wenzuzo ohamba kuluhlu olungalinganiyo olufumaneka kwi-1% kuphela kwaye usondele kakhulu kwi-10%. Kuyamangalisa ngokwenene into yokuba izabelo kwiimali zotyalo-mali namhlanje zezona zinenzuzo enkulu kwiimarike zezemali. Isizathu esinye sokuba abagcini mali abaninzi bajike kule mveliso yemali ngalo mzuzu.
Lo mvuzo uza kuya kwiakhawunti yangoku yabasebenzisi ngexesha apho ayidluli kwiintsuku ezisixhenxe ezilishumi. Ngokulibaziseka okuphezulu kancinci kunasekuthengweni kwezabelo, nangona kunjalo ilawulwa ngendlela efanayo. Kuya kufuneka uye kwifayile yemali kuphela ukuze uqinisekise ukuba intlawulo yezahlulo iyasebenza. Nangona olu lwazi luya kuba nakho ukukuxelela kwibhanki yakho yesiqhelo ukuba uhlalutye ukuba ikulungele ngokwenene okanye ungayi kule nkqubo yotyalo-mali. Ngaphandle kwezinye izinto zobugcisa eziqwalaselweyo kwaye kwezinye iimeko zikwindawo yokujonga esisiseko.
Akuthethi ukuba bayimali engcono
Kuyo nayiphi na imeko, into yokuba ingxowa-mali ihambisa izabelo ayibonisi ukuba ingcono okanye imbi kakhulu kunaleyo ingakhethanga esi sicwangciso ngokwemivuzo. Ngokuchasene noko, kunokwenzeka ukuba isaphulelo kwisilinganiso sakho kwiimarike zezemali. Kwaye kwezinye iimeko, akukho mathandabuzo okuba banokuba noguquko olubi kakhulu njengesiphumo sobume babo. Ngale ndlela, isiqwenga seengcebiso kubatyali mali asikokukhetha imali yabo ngenxa yale nto. Kodwa ngokuchaseneyo, ngezinye izinto ezinokubaluleka ngakumbi kwaye zinenzuzo.
Ukusuka kweli candelo lohlalutyo kwisahlulo esibonelelwe yimali yotyalo-mali, kufanele kuqatshelwe ukuba icandelo elikhulu leenkampani zolawulo zikhethe le nkqubo yokuhlawula ngenjongo yokuba khuthaza ukuthenga kwakho kubathengi abanokubakho. Kuba ngokwenyani, ifuthe leemvakalelo liyenziwa kwisigqibo esiza kwenziwa ngaba bantu ukusukela ngoku. Ngokubona kwangaphambili le mali ithelekiswa nezinye ezikhoyo kwiimarike. Lithuba lokufumana inzala emiselweyo kwaye iqinisekisiwe minyaka le, ngaphandle kokukhutshelwa ngaphandle.
Phuhlisa ingxowa yokonga
Kwelinye icala, ezinye zeenzuzo ezifanelekileyo zolu didi lwezahlulo kwaye zixhomekeke kwigalelo esiza kukubhenca lona ngezantsi kwaye zahluke kakhulu kwezo ziveliswe ngokusebenza kwintengiso yesitokhwe. Nika ingqalelo encinci kuba banokukunceda wakhe ibhegi yokonga ezinzileyo kule minyaka imbalwa izayo.
- Uhlawulisa i- isabelo esisigxina minyaka le Ngelixa ukubonakaliswa kwakho ngokungathandabuzekiyo kuncinci kunezinye iimveliso zezezimali, ezinjengezo zithathwe kwimisebenzi yakho kwiimarike zezabelo.
- Unokufumana ukusebenza oko kukuthi enkulu kunaleyo igalelwe ziinkampani ezidwelisiweyo engxoweni. Olu luhlobo oluye lwadibanisa kule minyaka idlulileyo kwaye usenokungazi ngexesha lokufunda eli nqaku.
- Unayo abazingeli bengxowa-mali Iimali ezinamandla kakhulu zotyalo-mali eziza kukuxelela ukuba zeziphi iimali zotyalo-mali ezinezi mpawu zikhethekileyo. Kuya kufuneka ube nomonde omncinci kuba zininzi iimali kwaye awuzukukhetha ngaphandle kokusebenzisa uthotho lokucoca ulwelo de ekugqibeleni ufikelele kwezi mveliso.
- Ngokubanzi, ukukhutshwa kwezahlulo kwingxowa mali kutyalwe nge Amaxesha ngamaxesha, kodwa ukuba ufuna ukuba ziyi-trimester nganye, awuyi kuba nengxaki enkulu yokuqhagamshelana nabo. Kuphela kokuya kufuneka uchithe ixesha elininzi kukhangelo oluhambelanayo.
- Sisicwangciso esisebenzayo kakhulu sokuphuhlisa utyalo mali Amagama amade Apho uya kukhuselwa ngakumbi kunokuba ukhetha ukuthengwa ngokuthe ngqo kwezabelo kwiimarike zesitokhwe. Kuya kufuneka ubhaqe ukuba kulungile na kuwe ukuba ubaqeshe ngokusekwe kwiprofayili oyivezayo njengomtyali mali ophakathi kunye nomncinci.
Ezinye iingcebiso malunga neentlawulo zakho
Kwelinye icala, kulunge kakhulu ukuba ukhetha olu tyalomali, uya kuthathela ingqalelo izinto ezithile ezikhethekileyo kolu hlobo lotyalo-mali, ngokoqobo kunye nokuyila ngexesha elinye. Okokuqala kuya kufuneka ukuba ube nayo izihloko ezininzi zithengiwe ukuba ufuna ukuba intlawulo ifaneleke ngokwenene. Ayothusi into yokuba ngemirhumo emincinci iyakubakho imali encinci eya kwiakhawunti yakho yokonga. Okungakumbi okanye okuncinci kuyenzeka kunye neenkampani ezidweliswe kwiimarike zezabelo.
Kwenye iodolo yezinto kubaluleke kakhulu ukuba ukhethe i Ingxowa mali yolawulo lweasethi ukuze ukwazi ukuziqhelanisa nazo zonke iimeko kwiimarike zezemali. Ngokukodwa kwezi zingathandekiyo apho ungaphulukana khona nee-euro ezininzi apha endleleni. Ngale ndlela, awungekhe ulibale ukuba utshintsho kwimvelaphi lunokusombulula ingxaki ngokusebenza okuthile, ngaphaya kweendlela zotyalo-mali onazo ngelo xesha. Kungenxa yokuba yintoni malunga nokuphela kosuku ukuphucula izikhundla zakho kwaye ukuba bakuhlawula isabelo esisigxina minyaka le, kungcono kungabikho.
Okokugqibela, elinye lamaqhosha okwandisa imisebenzi kule klasi yeemveliso zezezimali lilele ekukhetheni ezona mali zinenzuzo kule minyaka idlulileyo. Okanye ubuncinci bahamba nendlela yeemarike zezemali, nokuba yeyiphi na impahla oyikhethileyo ngelo xesha. Kuba ayinyanzelekanga ukuba ibe ivela kwii-equity, kodwa unokukhetha ezinye iiasethi ezahlukeneyo. Elinye lamaqhosha okuphumelela kutyalo-mali ngokusebenzisa imali.