Izibonelelo kunye nezinto ezingalunganga zokutyala imali kwiiNtengiso eziThengisayo

Alithandabuzeki elokuba kwiminyaka yakutshanje iimarike zamasheya ezisakhulayo ziye zaba yenye yezo ezinye iindlela Kuya kufuneka ujonge ukonga imali kwizabelo. Nangona kuyinyani ukuba yindlela yokwenza ukuzibeka emngciphekweni omkhulu Ngaphandle kweemarike zemali zemveli. Iya kuba yenye yeemeko ekuya kufuneka uzicinge ukuba ufuna ukungena kulo naluphi na utshintsho lwazo oluphambili.

Enye yezinto zokuqala oza kuziqaphela kwiimarike ezikhulayo kukuba ii-indices zazo zinokuguquguquka okuphezulu kunezinye. Ziyenyuka kakhulu, kwaye zehla ngamandla afanayo. Ziimarike zezemali ezibuthathaka kakhulu kwimijikelo yezoqoqosho. Ngamaxesha abanzi, iimarike zabo zentengiso zivelisa ukwanda okukhulu kwixabiso labo. Ngokuchasene noko, kwiimeko zokudodobala kwezoqoqosho, amaxabiso ezabelo zawo ayatshona. Iipesenti ezisezantsi ezitsala umdla nakwabatyali mali ngokwabo.

Enye into ekufuneka uyivavanye yeyokuba imisebenzi yokulingana iya kubiza kakhulu kuneemarike eziqhelekileyo. Akumangalisi ukuba bohlwaywe kunye iikhomishini ezibanzi ngakumbi. Ungahlawula ukuya kuthi ga kathathu ngaphezulu kwezo zisebenza kuwe kwixabiso lemarike yaseSpain. Nokuba ziziphatha njani na izinto ezikhuselekileyo kwiimarike ezidwelisiweyo.

Yintoni evelayo?

Kuqala kuyakufuneka ubhaqe ukuba zeziphi iimarike ekuthiwa zezintsha. Ukuze ngale ndlela ukwazi ukuphuhlisa isicwangciso esichanekileyo kunye notyalo mali oluthile. Ewe, ngaba isichazi seBRIC siyakhala intsimbi? Usenokungazi ukuba ziyahambelana namazwe avelayo abaluleke kakhulu kwihlabathi. Ngokukodwa, IBrazil, iRussia, i-India, i-China ne-Argentina. Ziimarike zokufumana imali, kodwa zibonelela ngamathuba amaninzi ezorhwebo kubatyali mali abancinci nabaphakathi, njengoko kunokuba njalo kwimeko yakho.

Uyakukwazi ukwenza ukonga kunenzuzo phantsi kweenzuzo ezinkulu kwisisombululo sayo, kodwa endaweni yokufumana umngcipheko omkhulu. Mhlawumbi igqithile, njengoko kuchaziwe kubatyali mali abanamava kwiimarike zezemali. Zibizwa ngokuba ziimarike ezikhulayo kuba zezokudalwa kutsha nje. Ukuya kwinqanaba lokuba ezinye zezi ngxowa zingekho ngaphezulu kweminyaka engamashumi amabini ubudala. Kwaye babonakaliswa ngamandla abo aphezulu ngenxa yamandla oqoqosho lwabo. Kodwa isekwe ngakumbi kulindelo kunakwinyani.

Ngayiphi na indlela, unokurhweba ezi marike zezabelo ezivela kwibhanki yakho yesiqhelo. Nangona iikhomishini eziphantsi kunye neendleko kulawulo lwayo olufuna ngakumbi. Phantse into oyihlawulayo kwimisebenzi yakho kwiimarike zesizwe. Kwiimeko ezininzi, ngaphandle kokukwazi ukulandela rhoqo. Ayothusi into yokuba kuya kuba nzima ukujonga iikowuti zeenkampani zakho kwimidiya ekhethekileyo. Iya kuba yenye yeengxaki oya kuba nazo ukuba ukusukela ngoku uthatha isigqibo malunga nolunye uhlobo lokwenene kwii-equities.

Ungathengisa njani?

Akuyi kubakho ngxaki ininzi yokuthatha isikhundla kwixabiso lezinto kwii-indices zakho. Okungakumbi okanye okuncinci kufana nokweemarike zaseYurophu. Ngumahluko kuphela oko babonisa ukungazinzi okubonakala ngakumbi kumaxabiso abo. Banokuphuhlisa ukuxabisa kufutshane ne-5%, kodwa iseshoni elandelayo ishiya imida efanayo kumaxabiso abo.

Enye into ekuya kufuneka uvule izikhundla kuyo kukuba iinkampani zabo aziyi kuvakala ziqheleke kakhulu kuwe. Ngaphandle kwabatyali mali abanamava ngakumbi kwiimarike zezemali. Ngenxa yolu phawu lukhethekileyo, awuzukukhetha kodwa uthembele kuhlalutyo olunikezwe ngabahlalutyi bezentengiso. Nokuba umngcipheko omkhulu wokuba unganakho ukurhola ekusebenzeni lousy kwiimarike ezikhulayo.

Ezi zizinto oza kuzifumana ukuba ekugqibeleni ugqibe ekubeni utyale imali kwezinye zeemarike zezabelo. Abanye babhejo olusisiseko, kodwa kwabanye luhlobo lwe uthathe ithuba lomhlaba jikelele yeemarike zezemali. Iimarike ziyanxibelelana kwaye ungalisebenzisa eli thuba ukuhambisa utyalo-mali lwakho. Kude kufike ukufikelela kwiimarike ezikude kakhulu emhlabeni.

Uza kufumana ntoni?

Ukuqala ngezinye iinkampani eziya kuba yinto entsha kuwe. Apho ungakhange usebenze nangaliphi na ixesha. Iya kuba ngamava ahlukileyo onawo ukusukela ngoku. Ngokuchanekileyo kwesi sizathu, awuzukukhetha ngaphandle koku ukuphucula amanyathelo okhuseleko. Akufanele utyale imali yakho kancinci, kude nayo. Ngokwenxalenye awuyi kuyazi into oyifumana kwintengiso nganye yezemali.

Kuya kufuneka uzicebise ngokuchanekileyo ngabahlalutyi kwiimarike ezahlukeneyo zemali. Eyona ndlela yokuyiqhuba ngokusesikweni le nkqubo yile kwibhanki yakho yesiqhelooza kusebenza ngayo ekuthengweni nasekuthengisweni kwezabelo. Ngokuqinisekileyo bayayazi indlela yokuhambisa utyalo-mali lwakho ngendlela echanekileyo. Ukuza kuthi ga kwinqanaba lokuba baya kukuxelela ukuba kufanelekile okanye hayi ukuba ukhethe kwezi marike zezabelo.

Nje ukuba uthathe isigqibo sokuvula imisebenzi, kuya kuba lula kuwe ukuba wazi ukuba ukuguquguquka Kwiimarike zamasheya kunokuba nzima kakhulu. Ukuya kwinqanaba lokwenza kube nzima kuwe ukuhamba, kokubini xa ungena kwaye uphuma kwezokhuseleko. Sukuzama ukubanyanzela kuba ekuphela kwento oya kuyiphumeza kukuba wenze utyando olungelulo olona lufanelekileyo. Kwaye ngenxa yazo, inobunzima kutyalo-mali, kwaye ngubani owaziyo ukuba ngokusisigxina.

Zeziphi iinkampani ezidweliswe kwizalathiso zakho?

Ewe unokufumana iinkampani kuwo onke amacandelo. Nangona ubutsha buza kuhlala kuba babonisa ukunikezelwa kwamanye amacandelo angaziwayo kwimarike yestokhwe saseSpain. Oku ikakhulu malunga imigca yeshishini inxulunyaniswe nezinto ezingaxutywanga kunye neentsimbi ezixabisekileyo. Into ongenakuyenza ukuba awukhange uye phesheya ukuze wenze utyalomali lwakho lube sesikweni. Ukusuka kweli candelo, sisindululo esinomdla kakhulu onaso.

Amanye amacandelo aqhelekileyo okanye aqhelekileyo oqhele ukusebenza nawo nawo amelwe: iibhanki, iinkampani zeinshurensi, iinkampani zombane okanye amashishini onxibelelwano ngocingo. Ukusuka kweli cala awuyi kuba nantlukwano ezininzi malunga nezindululo zesizwe zotyalo-mali. Ngayiphi na imeko, kuya kufuneka ukhethe amaxabiso kakuhle ukuze ungenzi iimpazamo ezinkulu. Iya kuba yenye yezona ndlela zisebenzayo zokukhusela umdla wakho kwiimarike ezinzima njengezi.

Elinye lamaqhosha okubonelela ngokhuseleko olukhulu kwimisebenzi iya kubandakanya Ulwahlulo olwahlukeneyo. Sukukhetha ukhuseleko olunye, kodwa uninzi lwengobozi yesininzi sezabelo. Apho olona khetho lunomdla kakhulu kwiingxowa apho usiya ngqo kulondolozo lwakho zimelwe. Ngale ndlela, uya kukhuselwa ngakumbi xa kufika ezona meko zichaseneyo zamashishini.

Zithini ezi ngxowa?

Iimarike ezisakhulayo azizisi ndaba zininzi xa kuthelekiswa notshintshiselwano olukwinqanaba lokuqala ngokulandelelana kwamazwe. Banokuba nenkxaso kuwe ezi. Okanye ngokulula xa zikwimeko ecacileyo apho unokusebenzisa khona iintshukumo zazo ngokukhawuleza. Xa amandla okuhlaziya kweemarike eziphambili sele ephelile, inokuba yinto edlulisiweyo yokuqhubeka nokunxulunyaniswa nezabelo, nangona ithatha umngcipheko omkhulu ekuthathweni kwezigqibo.

Akukho ndlela ifanele yenza owona msebenzi wakho uphambili. Kungumngcipheko wokuba ungacingi nangayiphi na indlela. Zizixabiso ezinokuthi zisebenze njengezincedisayo kutyalo-mali nangaliphi na ixesha. Akukho Okuninzi. Kodwa awufuni ukubandakanyeka ngaphezulu kwengxaki enye ngalo lonke ixesha uthatha izikhundla kwiimarike ezihlumayo. Ungakulibali oku ukunqanda iimeko ezinzima ngakumbi onokuthi uthathe inxaxheba kuzo kwasekuqaleni.

Ngamanye amaxesha, into oya kuyifumana ngaphandle kwamathandabuzo zii-indices zesitokhwe eziyinyani izilayidi kwisicatshulwa sakho. Ngaphandle kwendlela echaziweyo, babonisa utshintsho olukhulu kwixabiso labo. Ngaphandle kokwazi ukuba bangasebenza phi okanye zithathe ziphi izigqibo. Kule meko, eyona nto unokuyenza kukuyeka ukwenza izigqibo. Okanye ubuncinci ulinde ithuba elingcono.

Amaqhinga kwezi marike

Ngaphandle kwayo yonke into, unganendawo yokuphuma kwezi marike ukuba ubeke imigaqo echazwe kakuhle yokuziphatha. Ukwazi ngamaxesha onke into oyenzayo. Kwaye kubaluleke kakhulu ukuba ufuna ukufumana ntoni. Ngala manyathelo alandelayo.

• Tyala imali kuphela ngamaxesha afanelekileyo kwezi ngxowa. Ingakumbi kwi amaxesha okwandiswa kuqoqosho lwehlabathi. Iya kuba lolunye lweendlela onokuthi uthathe ithuba lokufumana idatha yexesha elifutshane.
• Thatha inxaxheba kwiimarike ezikhulayo inokuthenjwa ngakumbi Kwaye babonisa ukomelela okukhulu ekuveleni kwamaxabiso abo. Kuya kuhlala kukho ingxowa ehlangabezana nezi njongo.
• Ungazami ukwandisa imisebenzi. Ngaphantsi kokugqibela, kulunge ngakumbi ukuba kuya kuba yimidla yakho. Inkqubo ye- imisebenzi yexesha elifutshane kakhulu zenza esinye sezona zicwangciso zibalaseleyo zokuthatha ithuba lokuhamba kwiimarike zamasheya.
• Ukuba ungumntu oxhalabileyo, kungcono beka ecaleni la maxabiso kwaye ujolise kwezo ubuqhele ukuzenza. Iya kuba yeyona ndlela ilungileyo yokuphepha ukukhathazeka okungaphezulu kwesinye. Nokuba iyayichaphazela impilo yakho.
• Sukuzama uku buyela ilahleko ozifumene kwiimarike zemveli ngezo zisakhulayo. Iya kuba yimpazamo enkulu onokuyihlawula kakhulu. Ngaphezulu kunokuba ubucinga ekuqaleni.
• Ukuthengisa iimpahla ezikhoyo zentengiso kuyakufuneka ube ne amava angaphambili banjani, ziziphi iimpawu abazibonakalisayo kwaye yintoni indaleko kumaxabiso abo.
• Kwaye okokugqibela, awuzukukhetha ngaphandle ulwabiwo lwezixa eziphantsi kakhulu ekusebenzeni kwayo. Nokuba ngendlela yobungqina ukuba kunokwenzeka. Awunakho ukubeka emngciphekweni ilifa lakho.