Ukuvela kweemarike zezemali kwisiqingatha sokuqala salo nyaka akunakuthathelwa ingqalelo, kude nayo, njengokwanelisa umdla wotyalo-mali lwabasindisi abancinci nabaphakathi. Kukho ukungaqiniseki okuninzi kwiimarikeZininzi kakhulu ukuba ukonga kungathula, ubuncinci kwii-equities. Ukubangela, nangayiphi na imeko, ukungaqiniseki kwezi, ezingacacanga kakuhle ukuba zisingise phi ingxowa yazo yokonga, ubuncinci kwixesha elifutshane.
Kananjalo azikho ezinye iindlela ezinokufumaneka kubo okwangoku ezigqithileyo, ngokuqinisekileyo njengoko uza kujonga kwimeko yakho yobuqu. Kwaye phi imbuyekezo yengeniso esisigxina ayilindelanga, nokuba sesichengeni sokuzikhusela. Kulapho ke xa kufika ixesha lokuthathela ingqalelo ukuba ungayigcina phi patrimony, kunye nokufumana incam yenzuzo kutyalo mali. Kule nqaku, uya kuba nezona zindululo ezifanelekileyo zokufezekisa le njongo, kodwa kuyo nayiphi na imeko ayizukuba ngumsebenzi olula.
Ukudibanisa inzuzo kunye nokhuselo lokonga kuya kuba yinjongo enzima ngakumbi kunakwenye imithambo ukuba kunokwenzeka. Iya kufuna ukuzinikela ngakumbi, kwaye fumana amathuba oshishino Ezithiwe thaca ngamaxesha onke. Kwelinye icala, kuya kufuna umzamo omkhulu kwicala lakho lokufumana ezona mveliso zezezimali zangoku. Baninzi abakulungeleyo oku, kodwa bambalwa ekufuneka beqwalaselwe nguwe ukuzama ukwenza ulondolozo lube nenzuzo ngendlela eyonelisayo. Ukuba abahlalutyi abaziingcali bayavumelana ngento ethile, kukuba ukusukela ngoku kuya kufuneka kubekhona okuninzi khetha ngakumbi.
Ukukhangela imbuyekezo kutyalo-mali
Phakathi kwezindululo ezilungele eli thuba lokungaqiniseki njengeli likhoyo ngoku, abo injongo yabo kukufuna imbuyekezo ekhawulezileyo kwiimali ezityaliweyo zibalasele ngaphezu kwako konke. Zizo ezinokukhula ngokuqinisekileyo kuzo zonke iimeko ezinokwenzekaNgaphandle kwezithintelo. Ayisiyiyo kuphela ixesha elandayo, kodwa kunye nokwehla kwemali, kulo naluphi na uhlobo lwentengiso, kubandakanya iimarike zokulingana. Kubonwa njengenye yeengcamango ezinomdla kunye nenzuzo yokusebenzisa ngoku.
Kodwa, owona mzuzu unzima ufika kwaye ayikho enye into ngaphandle kokuchonga ukuba yeyiphi imveliso enezi mpawu zichazwe kakuhle. Phakathi kwabo, eyona ilungileyo yokusebenzisa esi sicwangciso sotyalo-mali ngokungathandabuzekiyo imali yokubuyisa eyiyo. Banomdla wokuba bazise ngesithembiso esibanzi kwaye ungakhetha phakathi kweemodeli ezininzi, enegalelo ezahlukeneyo, kwaye kuxhomekeke kwiprofayili onayo njengomtyali mali ophakathi: olondolozayo, ophakathi okanye onochuku.
Esi siphakamiso sibonakalisiwe kuba sifuna ukufezekisa inzuzo kuzo zonke iimeko zoqoqosho lwamanye amazwe, naxa iimarike zezabelo ziwela kakhulu. Ukukhonza kwiimeko ezininzi njengendawo ekhuselekileyo yabatyali mali abazikhuselayo kwimarike. Ngokuqinisekileyo awunakulindela imbuyekezo ecacileyo kubo, kodwa ubuncinci baya kukunika ithuba lokukhusela ulondolozo lwakho kwezona mveliso zinoburharha.
Ukuba ukhetha enye indlela yotyalo-mali, uya kuba nakho ukufumana imbuyekezo yonyaka ephakathi kwe-3% kunye ne-6%, nangaphezulu kunikezelwa ziimveliso eziphambili zokonga (idiphozithi, amanqaku ezithembiso, iibhondi, njl.). Nangeyiphi ndlela, ukusebenza akuyi kuqinisekiswa Ngaphandle koko, kwaye iya kuxhomekeka kwimodeli ekhethwe ngabagcini. Ukuba yenye yeemveliso ezinezibonelelo ezilungileyo kunokufumaneka kwiimeko zentengiso ezikhoyo.
Phantse zonke iinkampani zolawulo zinemveliso yezi mpawu, kwaye umahluko phakathi kwazo usekwe kwiiasethi zemali ezikhoyo kwiipotifoliyo zazo zotyalo-mali. Unokujonga ezona zikhuselekileyo, nangona kunjalo ngokuqinisekileyo izibonelelo ziya kuba zincinci kwaye ngokuqinisekileyo zinokulinganiselwa. Ngayiphi na imeko, akufuneki basilele kutyalomali lwakho ngoku ngenxa yezi zizathu. Ukuza kuthi ga kwinqanaba lokuba inokuba sisindululo esingenakuphinda senziwe kwimeko zangoku zeemarike zezemali.
Iimveliso zebhanki ezinamatyala
Iimveliso zokonga okwangoku azihambi ngelona xesha lihle ngokwendlela abasebenza ngayo, kude lee kuyo. Ngonyuselo olo ungagcina imali yakho oyigcinileyo ixesha elide, kwaye ngenxa yexesha lokugcinwa okuphezulu kwezi mveliso. Kuya kufuneka ulinde ukuphela kwayo ukubuyisa igalelo elenziweyo. Ujongene nale meko, umbono olusebenzayo nolusebenzayo kukukhetha iimveliso zebhanki ezibonelela ngokhuseleko olukhulu ngakumbi kwimali oyigcinileyo.
Ngale ndlela, isindululo sokuphumeza esi sicwangciso ziiakhawunti zangoku ezibonelela ngenzuzo ephezulu. Kwaye inokukhethwa ngeendlela ezahlukeneyo. Eyokuqala kuzo yayiya kuba yeyengeniso ephezulu, kunye nembuyiselo kufutshane ne-1,50%, kwaye ngaphandle kwemfuneko yokufumana le nkonzo. Akukho zininzi zithengiswa ziibhanki, kodwa ubuncinci uya kuba nesindululo esingaphezulu kwesinye kwisibonelelo sangoku sokufezekisa iinjongo zakho, ngaphandle kokubeka umngcipheko kokuncinci.
Olunye ukhetho luvela kwiiakhawunti ezithi, ngaphandle kokunika umvuzo onika umdla wemali, ubuncinci usebenza njengenxalenye yeendleko zekhaya. Kwelinye icala, ukubuyisa esona sixa sincinci semali esayilwayo eyintloko (umbane, amanzi, igesi, njl.. Kuya kufuneka uhlalutyele la matyala njengemfuneko yokufikelela kwezi mveliso, kwaye uya kuzifumana ngokuzenzekelayo ezi zaphulelo kwi-akhawunti yakho, eya kuthi isebenze ekuqulathe ukunyuka kwamaxabiso ala mandla.
Kwaye kwelinye, ukufumana uthotho lwezaphulelo kwizinto onokuzenza, ikakhulu kwiinkonzo zabakhenkethi, ukusetyenziswa, ukutya, njl. Kwaye oko kuya kukunceda ucwangcise ngcono uhlahlo-lwabiwo mali onalo lwenyanga nganye. Ukongeza, ezi akhawunti ziphuculwe simahla kuyo nayiphi na ikhomishini, kunye nezinye iindleko kulawulo lwabo okanye kulondolozo. Ukuba yenye yezona mveliso zinenzuzo enkulu oza kujongana nayo kwiinyanga ezizayo, ikakhulu ngenxa yokupheliswa kwezi ndleko kwiakhawunti yakho.
Khangela amathuba oshishino
Iimarike zezemali zihlala zivelisa ezinye iindlela onokwenza ngazo ukonga ngaphezulu kwezinye iimveliso. Kufuneka nje uzifumane, kwaye uzame ukuthatha ithuba lokuhamba kwazo. Okwangoku esinye sezindululo sihlala kuyilo lweoyile. Uphuhlisa i-uptrend eyomeleleyo enakho ukuqhuba ukuya kuthi ga kumanqanaba eedola ezingama-60. Njengoko abahlalutyi beemarike eziphambili belumkisa. Kwaye inokuba lixesha lokuthatha izikhundla ukusukela ngoku.
Ukuba ufuna ukuqokelela ezi ntshukumo, unokuxhomekeka kwenye yeenkampani zeoyile ezidweliswe kwizabelo. Nokuba kunjalo, njengeRapsol, kunye nesahlulo sesivuno esikufutshane ne-8%, kwaye enokukhusela ukugcinwa kwakho kwezona meko zintle kwiimarike zesitokhwe. Kodwa kukhuseleko olukhulu, imali yotyalo-mali esekwe kule asethi yemali ikhethwayo. Ke ngoku inokuncedisana nabanye ukusuka kwimali engenayo. Ngale ndlela, ukubhengeza kwakho kwiimarike kuya kuba mbi kakhulu.
Ekugqibeleni, uthengise ngemali. Yindibaniselwano yokuthenga kunye nokuthengisa izabelo kwiimarike ngemali efanayo. Ziyimveliso ebhetyebhetye ngakumbi, kwaye oko kunenzuzo enkulu yokuba inika iikhomishini ezikhuphisana ngakumbi kunezinye iimveliso zemali. Kwaye kuyo nayiphi na imeko, inokuba sisisombululo seengxaki zakho zotyalo-mali ngeli xesha.
Amanye amathuba oshishino angenzeka kwezinye iiasethi zemali ezichaphazeleke kakhulu kwiinyanga ezidlulileyo. Njengokuba inokuba yinto ekrwada, ngaphezulu kwako konke. Kwaye kuya kuhlala kukho ubutyebi bokuqesha igolide, ixabiso lokusabela ngokugqwesa. Ibiphuhlisa into engenasiphako ukusukela ekuqaleni konyaka. Kwaye apho abatyali mali abaninzi babuyele ngenxa yokunqongophala kwamathuba kwezinye iimarike zezemali, kubandakanya nokulingana.
Isinyithi esimthubi siphendula kulindelo lwabatyali mali abakhulu. Ayothusi into yokuba abo bavule izithuba kule ntsimbi ixabisekileyo baya kubona ukuba kunjani Ugcino lwabo luxabiseke kakhulu, kwaye ngaphezulu komqobo we-35%. Ngamaqhinga ahlukeneyo okusebenzisa oku kuthengiweyo: izabelo, utyalo mali kunye nemali ezidwelisiweyo, imivalo yegolide, njl. Ngamaxesha onke kuxhomekeka kwiprofayile oyivelisayo ukuze uvumelane notyalo-mali olukhethekileyo.
Kwaye ekugqibeleni, kukho obunye ubutyebi kumacandelo onokuthi usebenze ngcono ngaphambi kweemeko ezimbi kuqoqosho. Kwaye iya kuba yeyona nto ikhuselayo: amandla, umbane kunye nokutya. Banenkuthazo enkulu eveliswe zezona zisahlulo zesisa kwimarike ye-equity, ngepesenti esondele kakhulu kwi-5%. Kwaye oko kukuthanda kakhulu okona kugcina kulindelweyo kobunzima ezingxoweni.
Ezinye iingcebiso zokujongana notyalo mali
Ukukunceda ukuba uphuhlise lo msebenzi, awuyi kwenzakala konke konke ukuba ungenisa uthotho lweengcebiso ezilula eziza kuba luncedo kakhulu kwezi meko zangoku zeemarike zezemali. Kwaye oko kuya kusekelwa kule migca yokusebenza.
- Sukungxamela ukutyala imali, kuba iyakuba yimarike ngokwayo eya kukunika izitshixo zokungena.
- Jonga iiasethi okanye amacandelo baziphethe kakuhle Ngexesha leenyanga zokugqibela.
- Nciphisa ukusebenza kwakho, kwaye musa ukutyala yonke imali onayo yokwenza imisebenzi.
- Zama ukukhangela ezinye iindlela Ezinika impendulo engcono kunotyalo-mali oluqhelekileyo.
- Sukujolisa kulo lonke ulondolozo lwakho kwimveliso enye, kodwa iya kuba bhetele ngakumbi kune zahluka zibe zininzi, nakwii-asethi ezahlukeneyo zemali.
- Musa ukucinga ukuba amaxabiso esitokhwe abizi, kuba banokuwa ngakumbi, kwaye ngenxa yoko, zifumane ngamaxabiso abonisa ngakumbi.
- Kwaye ekugqibeleni, bonisa ulumkiso Ngalo lonke ixesha uza kuthatha isikhundla kuhlobo oluthile lotyalo-mali, njengesicwangciso-qhinga sokukhusela ulondolozo lobomi bakho.