Elinye lamaqhosha ekufuneka ukhusele ukulingana kwimisebenzi yakho ngokungathandabuzekiyo kukungafani kotyalo-mali lwakho. Kuba ngokwenyani, awuzukukwazi kuphela yonyusa inzuzo ukusuka ngokufanayo. Ukuba akunjalo, iya kukunceda ukuba uphile ngeyona meko imbi kwintengiso yemasheya. Apho umngcipheko omkhulu onawo kukuba zonke iintshukumo ukuba uvule ngalo mzuzu uthile. Ukongeza, iya kuba sisicwangciso esilula kakhulu ukufaka isicelo kwaye ivulelekile kuzo zonke iiprofayili zabatyali mali abancinci nabaphakathi.
Kuba imalunga nokuba awutyali lonke ulondolozo lwakho kwibhasikithi enye yeeasethi zemali. Kodwa ngokuchaseneyo, usasaza phakathi kweendlela ezahlukeneyo zotyalo-mali kwaye kutheni kungenjalo phakathi kweemveliso ezahlukeneyo zemali. Ukusuka kweyona iqhelekileyo ukuya kwezo zithwala umngcipheko omkhulu ekusebenzeni kwazo. Umdibaniso wabo unokukuzisela izibonelelo ezininzi ukusukela ngoku. Ukuya kuthi ga kwinqanaba lokuba uyiphucule imbuyekezo oyifumanayo kulondolozo lwakho. Yinjongo yokuba emva kwayo yonke into oya kuyikhangela kwasekuqaleni.
Enye yeenzuzo ezinkulu ezichazwa yile nkqubo yotyalo-mali kukuba iya kukuvumela ukuba ukhethe izisombululo ezahlukeneyo. Ezinye zazo zezemveli kakhulu, kodwa ezinye zazo ziyinyani kwaye kwiimeko ngokuqinisekileyo zinobuchule. Ukuze kude kube sekupheleni ubudlelwane bakho kunye nehlabathi lemali banelise ngakumbi kunangoku. Kuya kufuneka ubeke unomdla omncinci kwaye ngaphezulu kwayo yonke ingqeqesho ukuze uziphumeze ngokulungisa okugqibeleleyo. Ngokuqinisekileyo, kuya kuba kufanelekile ukufumana ezona ziphumo zibalaseleyo onokuzifumana kwezi ndlela zotyalo-mali.
Yandisa utyalomali
Ewe kuyakufuneka ukuba utyalo-mali lwakho olwahlukeneyo uye kulo iimodeli ezahlukeneyo zezemali. Isitshixo sempumelelo kukuba ungadibanisa ii-equities kunye nengeniso esisigxina, nokuba zezinye iifomathi njengeyona ndlela ifanelekileyo yokukhusela imali yakho kwasekuqaleni. Unokwahluka okuninzi, okuninzi njengoyilo olwenziwe ngamaziko emali. Apho kuya kufuneka ukhangele kwaye ufumane eyona ilungele iimeko zakho njengomtyali mali wentengiso.
Esinye sezona zisombululo zinokubonelelwa yimarike yezemali sivela mali mali. Kuba iyimveliso evumela nayiphi na i-asethi eyimali ukuba idityaniswe kwimodeli efanayo. Ngoncedo lokuba uneemali ezininzi onokukhetha kuzo kwaye ubonise olu phawu. Ezi ziimodeli zolawulo ezisebenzayo eziphuhliswe ngamaziko anoxanduva lokuyila olu tyalo-mali lukhethekileyo. Nditsho nekhontrakthi evela kwezinye iimali ngaphandle kwe-euro: idola, iifrancs okanye i-yen yaseJapan.
Iimali zotyalo-mali ezixuba iiasethi ezahlukeneyo zemali zithwala uthotho lwezibonelelo zokwahluka kotyalo-mali. Phakathi kwabo, ukuba ilahleko yakho iya kuba mbalwa kwiimeko ezincumisayo kwiimarike zezemali. Ukuze ngale ndlela usebenze ngcono kuzo zonke iimeko ezinokubakho. Enye yeemodeli ezibambe kakuhle le meko zixutywe neengxowa mali. Badibanisa zonke iintlobo zengeniso, ngaphandle kokuncama naluphi na uhlobo lwesindululo semali. Ukusuka kuzo zonke iimbono: ubundlongondlongo, ukuzikhusela okanye phakathi.
Bhalisa iimveliso zebhanki
Elinye icebo lokwahlula imali oyigcinileyo kukuqasha iimveliso zebhanki kude nokutyala okusulungekileyo. Ukufakwa kwexesha, amanqaku ebhanki okanye ii-akhawunti ezinengeniso ephezulu ziya kuba zezinye zazo. Igalelo lokuqala lale modeli yolondolozo lithatyathwe kwinto yokuba liya kukubonelela ngembuyekezo eqingqiweyo neqinisekisiweyo minyaka le. Umvuzo wakho awuyi kuba phezulu kakhulu, kodwa ubuncinci awuyi kuphulukana nemali nakuphi na ukuwa. Banomdla ongafane ugqithe kumanqanaba eepesenti ezi-2. Iya kuba sisicwangciso esiliqili kakhulu, kodwa kuyo nayiphi na imeko iya kuzisa uzinzo olukhulu kwipotifoliyo yakho. Ngokukodwa xa iimarike zezemali zibonisa ukungaqiniseki okuninzi.
Unokwabela inxalenye yolondolozo lwakho kwezi mveliso zebhanki ukwahlulahlula imisebenzi. Ukongeza, ziimodeli zokonga ezilula kakhulu zokuqesha ezingadingi lwazi lukhethekileyo kwicala lakho. Nangona kwiimeko ezininzi kuya kufuneka ulinde ukuphela kwazo ukuze izibonelelo ziye kwiakhawunti yakho yokujonga. Ngesiqinisekiso esipheleleyo sokuba uya kuba nembuyekezo eqinisekisiweyo kwimali oyigcinileyo. Akumangalisi ukuba, ziyimveliso apho imali yabazali bakho okanye ootatomkhulu bakho yayijolise kuyo ukuze yenze inzuzo.
Ezi mveliso zifikeleleka kakhulu kuyo yonke imizi. Kuba banokuqeshwa kwimali encinci kakhulu. Ngokuqhelekileyo kwimirhumo yemali evela kwi-euro ezingama-1.000 XNUMX. Ngamaxesha ahlukeneyo okusisigxina ngokuxhomekeke kwiimfuno zakho zokwenyani zokuhlawula iindleko ukusukela kuloo mzuzu. Nangona uza kuba nengxaki yokuba awuzukukwazi ukurhoxisa kwangaphambili, kuba neebhanki zinokufaka ikhomishini yolu phawu lujikeleze i-2%.
Yiya kwezinye iindawo zamazwe aphesheya
Esinye isitshixo sokwahlula ukonga kwakho kusekwe ekungalinganiseli umda kuphela kwiimarike zemali zikazwelonke. Ungathatha ithuba lokutyhala kweminye imigangatho yokurhweba ukuze unyuse ukujonga kwakho ibhalansi yeakhawunti. Kungenxa yokuba, ngale ndlela uya kuba kwimeko engcono yokuvula amathuba amashishini amatsha akhoyo kwezinye iindawo kuqoqosho lwamanye amazwe. Ayisiyiyo kuphela kwii-equity, kodwa ikwavela nakwingeniso esisigxina. Kodwa ngaphezulu kwayo yonke enye indlela yotyalo-mali: izinto eziluhlaza, izitye ezixabisekileyo, njl.
Enye yeziphumo zeli qhinga liya kuba kukukwazi ukufikelela kwiindawo ezingakumbi ngemali yakho. Kwaye ngenxa yazo, amathuba okuphucula imbuyekezo yakho aya kunyuka ngokubonakalayo xa kuthelekiswa nezinye iindlela zotyalo-mali. Kuyinyani ukuba Kuya kufuneka uthathe umngcipheko omkhulu, kodwa ngumrhumo oya kuhlawula kuwo ukuze ube namabhongo ngakumbi kumabango akho okunxulumene nelizwe lemali. Ukufikelela kwiimarike zezemali kude kube yiminyaka embalwa edlulileyo ezazingenakufikeleleka kwaphela. Ewe, ukusukela ngoku unokukhetha le modeli yenye indlela.
Unee-equities zaseMelika enye yeemarike ezilungileyo ukwenza lo mnqweno usebenze. Ngokukhetha ukuya kwiimarike zetekhnoloji apho zifakwe khona ezona nkampani zibalaseleyo kweli candelo loshishino. Okanye kwiimarike zaseAsia xa iimeko zabo zifuna njalo. Yindlela eluncedo kakhulu kumaxesha athile kuqoqosho lwamanye amazwe. Ukufikelela kwinqanaba lokuba uvuselele iphothifoliyo yakho yotyalo-mali amaxesha ngamaxesha. Ukunyusa ulindelo lokukhula kwingxelo yakho yengeniso.
Khetha imodeli yolawulo esebenzayo
Ngaphandle kwamathandabuzo, le ntsebenzo iya kukunika ngaphezulu kovuyo olunye ukusukela ngoku. Yintoni injongo oza kuyiphumeza? Ewe, into elula njengokuziqhelanisa nayo yonke imeko enokubakho, nokuba incinci kuluncedo lwakho. Zimali ngqo zotyalo-mali ezizezona zichonga esi sicwangciso. Phi Abaphathi ngokwabo banoxanduva lokuhlaziya iiasethi zemali kuxhomekeke kwiimeko zentengiso. Ngophononongo lwamaxesha ngeephothifoliyo zotyalo mali. Njengokuphela kwendlela yokwandisa imbuyekezo kutyalo-mali.
Ngalo naliphi na ixesha elinikiweyo, ingeniso esisigxina okanye eguquguqukayo inokukhuthazwa, kukhethwe awona mathuba aphezulu oshishino kwityeli ngalinye. Nokuba kunokwenzeka Ukurhoxa izikhundla ze-euro. Ukuthintela intshukumo engafunekiyo ngenxa yamaxabiso ezemali eziphambili zamanye amazwe. Ngayiphi na imeko, yimodeli ekonyukayo yenani labatyali mali abalikhethayo. Abaphathi bengxowa-mali banoxanduva lokwenza le misebenzi. Awunakwenza nto, kuba oko kubizwa ngokuba yimali yotyalo-mali esebenzayo.
Musa ukutyala yonke imali
Ulwahlulo kufuneka luxhaswe yimisebenzi ephuhliswe ngenxalenye ebaluleke kakhulu yolondolozo lwakho, kodwa ishiye ukuthengiswa kwemali kwiakhawunti yakho yokujonga. Okokuqala, ngenxa khusela izikhundla zakho xa ujongene nesimo esingathandekiyo kwiimarike zezemali. Kodwa ukuba ubekwindawo yokusebenzisa amathuba ezorhwebo azakuvela kungekudala kwiinyanga ezizayo. Ukuze oku kube njalo, awuzukukhetha ngaphandle kokushiya ezinye i-ammo ukonyusa imisebenzi yakho.
Ipesenti yotyalo-mali lwakho kufuneka ibe yile ihambelana neprofayili yomtyali mali oyivelisayo. Ayizukufana kwiserver enoburharha kunenye ngokucacileyo yokuzikhusela. Kuya kufuneka uzibuze ukuba yintoni na le inqanaba leendleko oya kuthi ujongane nazo kwiinyanga ezizayo. Ngenjongo yokungangeni kwisilingo sokwenza imisebenzi emibi kutyalo-mali. Ikhutshwe kwimfuno yakho yokufumana imali ukuze uhlawule le mali ibuyiswayo.
Kuya kucetyiswa kakhulu ukuba usasaze ulondolozo lwakho ngokulinganayo phakathi kweemveliso ezahlukeneyo zemali ekhethiweyo. Phantsi kwamanqanaba ocinga ukuba afanelekileyo ukukhusela iimfuno zakho. Apho ubuncinci begalelo lakho kufuneka liye kwiimveliso ezinamanqanaba aphezulu omngcipheko. Ngenxalenye encinci iya kuba ngaphezulu kokwaneleyo ukwanelisa le mfuno. Kuba kulapho ungaphulukana khona nemali engaphezulu ukuba utyalomali aluhlangabezani nolindelo olwenziwe kwasekuqaleni.
Ewe, ukuba umamele ezinye zezi ngcebiso, ungathandabuzi ukuba utyalomali lwakho luza kuhamba ngcono ukusukela ngoku. Kunye Amathuba amakhulu ezivuno ayenyuka. Ukuba akunjalo, ewe ubuncinci ukuze uyiqaphele ngokucacileyo kwimali eseleyo yeakhawunti yakho yokonga. Ukuya kwinqanaba lokuba ungahlawula i-whim yakho engaqhelekanga.
Njengokuba uza koyika eArgentina. Ixesha elimiselweyo linama-49% ereyithi yonyaka. Idipozithi yeentsuku ezingama-30 inika irente, i-4.28% ngenyanga. Ukwenza ukubala okungalunganga kokuhlaziya isixa kunye nenzala eqokelelweyo yenyanga kuya kusinika i-65.35% kwiinyanga ezili-12. Umbuzo uya kuba, ingaba intaba enjalo yenzuzo yemali yesizwe ingagcinwa njani ukuba kukho ubunzima obukhulu obubekwe kule mveliso yebhanki? Ukongeza, oku kungagcina kuphela ixabiso lediphozithi kwinqanaba lotyalo mali kuba ukwehla kwemali yaseArgentina kuya kuba malunga ne-58 ukuya kwi-64% ngokubhekisele kwintengiso ethengiswa kwintengiso yasekhaya kunye nokunyuka kwamaxabiso okusemthethweni kwama-49 ukuya kuma-54% ngonyaka.