Ngelixa abanye abahlalutyi beemarike zokulingana bacebisa ukuba amaxabiso esitokhwe alungelelanise, abanye bakholelwa ukuba kuyakubakho ukusikwa ngakumbi kwiiveki ezizayo. Okwangoku, kwaye ngokubhekisele kutshintshiselwano lwesitokhwe saseSpain, yonke into ibonakala ngathi ibonisa ukuba inkxaso kumanqaku ayi-6.000 ibonakala isebenza. Nokuba nini? Esi sisitshixo sokwenza isicwangciso sotyalo-mali esixineneyo, esilungeleleneyo kwaye ngaphezu kwako konke kunye neziqinisekiso ezithile zempumelelo. Akumangalisi ukuba abatyali mali abakwimeko yokuhlawula amatyala ngoku bazibuze ukuba leliphi elona xesha lilungileyo lokungena kwiimarike zezemali.
Nokuba yeyiphi na indlela, kuya kufuneka ubenemithambo-luvo yentsimbi ukumelana noxinzelelo lokungazinzi okuye kwiimarike zemali ukuhlala. Ngokutenxa nangaphezulu kwe-10%, amanqanaba angakhange abonwe kumashumi eminyaka akutshanje. Apho ungaqhuba khona ukurhweba ngesiqinisekiso esikhulu kunaleso senzelwe ixesha eliphakathi kwaye ngakumbi ixesha elide. Zimbalwa iindawo zokuzikhusela ezikhuselekileyo ngalo mzuzu okoko le ngxaki yezoqoqosho ichaphazela phantse zonke iiasethi eziyimali. Kwaye apho eyona nto ichaphazeleka kakhulu yile petroleum esele ingaphantsi kweedola ezingama-20.
Kwelinye icala, ukusukela ngoku ukuya phambili sizakufundisa abatyali mali abancinci nabaphakathi ukuba bayile eziphi iindlela zotyalo mali abanokuthi baziphuhlise ukusukela ngoku. Ngexesha apho kuya kusiba nzima kakhulu ukwenza isigqibo khusela imali oyongayo ngaphezulu kwezinye izinto zobugcisa eziqwalaselweyo kwiimarike zokulingana kwihlabathi liphela. Apho iprofayile nganye nganye iya kudlala indima ebalulekileyo kwimpumelelo yokusebenza kwiimarike zezemali. Into enzima kakhulu kwezi meko zangoku, njengoko kubonisiwe ngabameli abaninzi bezemali.
Kufuneka wenze ntoni ekuweni kwemarike yemasheya?
Ukuba ulindelo lwabatyali mali abancinci naphakathi lelona xesha lide lokusisigxina, awuyi kuba nangxaki ekungeneni kwiimarike zezabelo, kuzwelonke nangaphandle kwemida yethu. Ukuya kwinqanaba lokuba inokuba lithuba eliyimbali lokwenza utshintshiselwano lokonga ngezabelo zeenkampani ezidwelisiweyo. Nangona imarike yemasheya iqhubeka nokuphulukana nezikhundla kwiiveki ezizayo njengoko oku kufanele ukuba kube yinto ekungafanelekanga ukuba sikhathazeke ngayo. Asinakho ukulibala ukuba kwinyanga ephelileyo ibisebenza akunakwenzeka ukuphuhlisa esi sicwangciso kutyalo-mali ngenxa yexabiso eliphezulu kumaxabiso ezabelo. Ewe, oku kutshintshe kakhulu ukusukela ekuqaleni kuka-Matshi.
Singayifumana kwi Ixesha leminyaka eli-10 okanye eli-15 Ipotifoliyo yethu yotyalo-mali ixabise ngaphezulu kwama-20%. Lo mlinganiselo uthathela ingqalelo ezona zibalo zithobekileyo kunye nolondolozo. Kodwa kanye ngenxa yesi sizathu, kufuneka sityale kuphela loo mali esingayi kuyidinga ngeli xesha. Kungenxa yokuba ukuba esi sicwangciso singenziwanga sinokuba nengxaki enkulu kwiiakhawunti zethu zobuqu okanye zosapho. Oko kukuthi, kufuneka sibenemali ebonakalayo kwiakhawunti yokonga ukuhlangabezana neendleko, kubandakanya nezo zingabonelelwanga kuhlahlo-lwabiwo mali lwethu. Ukuphepha iimpazamo esizenzileyo ngamanye amaxesha obomi bethu njengabatyali mali.
Ukukhetha isitokhwe
Ngaphakathi kwesi sicwangciso sexesha elide, alithandabuzeki elokuba ayizizo zonke ixabiso elinokusinceda ukuba sifeze esi sigqibo. Ukuba akunjalo ngokuchaseneyo, lixesha lokuba ukhethe amasheya akumgangatho ophezulu. Ayinamsebenzi ukuba ibe ngabona bantu bachaphazeleke kakhulu koku kudodobala kwamaxabiso kwiimarike zezabelo. Kuba nabo baya kuba ngabo ixesha elincinci lokufumana kwakhona ukususela ngoku ukuya phambili. Ngaphakathi kweli qela likhethiweyo, iibhanki, iinkampani zeinshurensi, iinkampani zokwakha kunye neeteleco zinokudityaniswa. Ngemfuno enye kwaye oko kukuba kongeza umgangatho kwixabiso. Ukushiya amaxabiso aqikelelweyo anokusizisela iingxaki ezininzi, ngakumbi kwixesha elide.
Ukongeza, lixesha lokuba ukhethe uhlobo lwenkampani engenawo amanqanaba aphezulu emboleko. Enye yeendlela ezilungileyo zokukhusela inkunzi yethu kumaxesha amade okusisigxina. Kwaye oko kunokuqiniswa ziinkampani ezihambisa izabelo phakathi kwabanini zabelo kuba zivumela abatyali mali ukuba babe nengeniso emiselweyo minyaka le. Nokuba kwenzeka ntoni kwiimarike ze-equity kwaye iphindaphindeka unyaka nonyaka. Ngenzuzo yesabelo ngasinye esishiya phakathi kwe-3% kunye ne-9%. Ngamanye amagama, ibaluleke kakhulu kunaleyo iveliswa ziimveliso zebhanki ezahlukeneyo: iidipozithi zexesha elimiselweyo, iiakhawunti ezinengeniso ephezulu okanye iibhondi zikazwelonke.
Imisebenzi yexesha elifutshane
Enye into eyahlukileyo kukuba ibango kwinxalenye yabatyali mali abancinci nabaphakathi lijolise kwimigaqo emifutshane. Kuba, umngcipheko uphezulu kakhulu nangoloyiko lokuba singaphulukana nenxalenye elungileyo yenkunzi etyalomaliweyo. Kungenxa yokuba ziintshukumo ezingenakulawulwa okanye ubuncinci zinobunzima ngakumbi kunokuba kufanelekile kula maxesha anzima. Ukongeza, kunyanzelekile ukuba ube nokufunda ngakumbi kule klasi yokuhamba kwiimarike ze-equity. Njengolwazi oluphambili ngakumbi apho umhlaba wotyalo-mali kunye nemali uyile. Kungenxa yokuba ayinakulityalwa ukuba imisebenzi yexesha elifutshane ijolise kwiprofayili yomtyalomali echazwe kakuhle.
Ngelixa kwelinye icala, kubalulekile ukuba uthathele ingqalelo ukuba ezi klasi zokusebenza zilinganiselwe kakhulu kwisithuba sexesha kwaye ke kufanelekile ukuba uthathe uthotho lomngcipheko ezingekhoyo kwimisebenzi ephakathi kwaye ngakumbi ixesha elide. Apho amaxabiso akhethiweyo anokukhetha ngakumbi kunakweli qela langaphambili kuba ngokubanzi avela kumacandelo emarike yemasheya. Ukuza kuthi ga kwinqanaba lokuba banokubonisa umohluko phakathi kwamaxabiso aphezulu kunye neyona isezantsi engaphezulu kwe-10% kwaye ke amaxabiso okuthenga kunye nokuthengisa anokuhlengahlengiswa ngcono ukuze ungabanjiswa ziimarike zezabelo.
Ufumana njani ukuthengiswa kwemali?
Ngayiphi na imeko, abatyali mali abancinci nabaphakathi abathi nangasiphi na isizathu banqwenele ukuthengisa izabelo zabo ukusukela ngalo mzuzu ukuya phambili. Ewe, ayinakuphuhliswa nangaliphi na ixesha, kodwa ngokuchaseneyo, kuya kufuneka uthathe ithuba lokuphinda wenze ezi zinto. Ingakumbi ukuba Imali eseleyo kwiipotifoliyo yotyalo-mali intle ngenxa yohlaziyo lweminyaka esixhenxe edlulileyo. Ewe, ezi ntshukumo kwimarike yemasheya akufuneki zenziwe ngeodolo ngexabiso lentengiso, kodwa ngokuchaseneyo, ukuseta ixabiso lentengiso. Kuba ngenxa yokuguquguquka okuphezulu sinokwenza umsebenzi owoyikekayo kwiimarike ze-equity.
Kwelinye icala, akufuneki sithabatheke ziimvakalelo zovalo kuba ingoyena mcebisi umbi ekwenzeni isigqibo kwipotfoliyo yethu. Ukuza kuthi ga kwinqanaba lokubangela iziphumo ezingafunekiyo kwinto esifuna ukuyenza ngala maxesha anzima kubo bonke abalamli bezezimali. Ngokuchasene noko, oku kufuneka kube sisigqibo esicingisisiweyo kwaye eso ayisosiphumo sokuphuculwa, njengoko uninzi lwabatyali mali abancinci nabaphakathi bekwenzile kwezi ntsuku zikhethekileyo nezintsonkothileyo. Uluvo oluncinci kukulibazisa esi sigqibo de sibone ngokuqinisekileyo ngakumbi ukuba iimarike zezabelo ziya kuya phi kwiiveki ezimbalwa ezizayo. Kungenxa yokuba ukuba ayinjalo, sinokuzisola kwiinyanga ezizayo.
Amaxabiso asezantsi
Enye into ekufuneka ixatyisiwe ngeli xesha kukuba akukho nto iyehla unaphakade, kungasathethwa kangako kwilizwe leemarike zentengiso. Kungenxa yokuba esinye seziphumo ngokuvela kwe-coronavirus kukuba ziyenziwa ixabiso elitsha kumaxabiso kuthengiswa ngezabelo kwaye oku kunokuphinda kukhokelele kwintengiso enkulu ngemali enkulu yotyalo-mali. Ngale ndlela, siyabona kwezi ntsuku ukuhla kohlaziyo kwixabiso lezabelo ziarhente zezemali. Kwezinye iimeko eziphantsi kwamanqanaba aqhankqalazayo ancitshiswe phantse ngama-50%.
Ngelixa okokugqibela, kukho uthotho lokhuselo olufumene isindululo sokuthenga kwaye olunokuba lelona thuba lishishini libalaseleyo kweli xesha lezidubedube ekuye kwafuneka siphile kulo. Elinye lawona matyala achaphazelekayo yile ye-Endesa, abathi bayikhethe njengenye yeendlela zokuthenga ngenxa yamatyala asezantsi. Kodwa kuyinyani ukuba zimbalwa kakhulu ezinye iindlela ezibhalisiweyo kweli qela lincinci. Kuba njengoko abatyali mali bahlala besithi kuzo zonke iimeko, amathuba oshishino ayenzeka, kwaye phakathi kwabo kwimarike yemasheya.