Izitshixo ezi-6 zokuphucula utyalo-mali

izitshixo

Enye yeenjongo zabo nabaphi na abatyali mali abancinci nabaphakathi kufuneka ibe kukukhusela izikhundla zabo kwiimarike zezabelo ngaphezu kwezinye izinto eziqwalaselwayo. Ayothusi into yokuba kunemali eninzi ongaphulukana nayo kwiintshukumo onokuthi uzenze ngala maxesha achanekileyo. Ngenxa yokungazinzi okuveliswa kukudityaniswa kwamaxabiso kwaye kunokukhokelela Umahluko malunga ne-5% okanye nangamanqanaba aphezulu okuqina ngokuxhomekeke kwinqanaba lobugcisa lamaxabiso ahlaziyiweyo.

Ke ngale ndlela, iimeko ezingafunekiyo zinokuthintelwa ngabasebenzisi beemarike zesitokhwe, yenye yeenjongo ekufuneka ziphakanyisiwe ngaphezulu kwayo nayiphi na enye into ethathelwa ingqalelo kubuchwephesha. Ngexesha, njengangoku, apho izibane zikhanya kuzo zonke iimarike ze-equity, ngaphambi kokubonakala kwangaphambili ukunyuka kwinqanaba lenzala ngabaphathi bemali bommandla we-euro. Kwaye oko kungakhokelela kulungiso olunzulu kukhuseleko oludweliswe kwimarike yemasheya kule ndawo ibalulekileyo yendawo.

Ngelixa kwelinye icala, singekhe silibale ukusukela ngoku ukuba isilumkiso singangoyena uqhelekileyo kuyo yonke imisebenzi yethu kwiimarike zezemali. Nokuba yeyiphi i-asethi oyikhethileyo ukwenza imali ukonga ngamanye amaxesha akhethekileyo ukunxibelelana nelizwe elihlala linzima lemali. Ukuze oku kube ngale ndlela, akukho nto ibhetele kunokusebenzisa izikhokelo zenyathelo ezinokuba luncedo kuyo nayiphi na imeko kwiimarike zezabelo.

Izitshixo: fumana malunga nexabiso

bugorha

Alithandabuzeki elokuba le yinxalenye ekufuneka ixabiseke kakhulu kuba iya kuba nefuthe kwindaleko echanekileyo ipotifoliyo yotyalo mali. Ukufezekisa le njongo ibalulekileyo, kuyakufuneka ukuba ulawule ukuhamba kwabo kwimarike yemasheya ukuze wazi ukuba ngawaphi amaxabiso abonisa imeko yezobuchwephesha ngamaxesha onke. Ukukhetha abo bakwimeko yangoku ephezulu ebavumela ukuba bafikelele kumanqanaba aphezulu kulungelelwaniso lwamaxabiso abo. Kwaye ukuba inokuba phantsi komfanekiso wokunyuka kwamahhala, kungcono ngakumbi kwimidla yethu. Akumangalisi ukuba zezona meko zibalaseleyo kubatyali mali.

Kwelinye icala, kulunge kakhulu ukuhlalutya inqanaba lamatyala anokuba kwezi nkampani zidwelisiweyo. Ngaphezulu kokukhulayo kokufikelela kwixabiso ekujoliswe kulo ngaphambili elasekwa zizindlu ze Uhlalutyo lwentengiso. Le yenye yezinto ezingasokuze zisilele xa ukhetha ezona stock zilungileyo kwimarike yemasheya, nokuba yeyelizwe okanye ingaphandle kwemida yethu. Kuba iya kuphawula imeko yotyalomali kuzo zonke iimeko zesisigxina: ezimfutshane, eziphakathi kunye nezide.

Fumana iinkampani ezizinzileyo

Kuya kuba kokufanelekileyo kakhulu ukukhetha isitokhwe esinika abatyali mali abancinci nabaphakathi ukoyikisa okukhulu. Bayacinga Ayenzelwanga kutyalo-mali oluninzi okanye oluncinci oluqhelekileyo ngokwembono yazo. Ukuba akunjalo, ngokuchaseneyo, kufuneka ijolise kwimigca yeshishini eyamkelweyo ngokupheleleyo ziimarike zezemali kuba lo mba unegalelo ekunikezeleni uzinzo kuqwalaselo lwamaxabiso. Le yinto eyimfuneko kakhulu ekwenzeni ipotifoliyo yolungelelwaniso kunye nolungelelwaniso kuzo zonke iindawo zokujonga.

Kwelinye icala, ayifanelanga ukuba ilibale ukuba ezi ntlobo zeenkampani azithambekele ekuphuhliseni ukuwa okukhulu kwiimarike zokulingana. Kodwa ngokuchaseneyo, ukugcina uzinzo kumaxabiso abo, ngakumbi kumaxesha amade okuhlala kwabo. Ke sisicwangciso esiliqili sokuyila ipotifoliyo yentengiso ezinzileyo encinci ukwenza ukonga kunenzuzo ngokhuseleko olukhulu kwinkunzi etyalwe kuzo zonke iintlobo zeemveliso zezemali, hayi kuphela ekuthengweni nasekuthengisweni kwezabelo kwiimarike zezabelo .

Gcina imali kuphela eyimfuneko

utyalomali

Elinye icebo lotyalo-mali onokulisebenzisa ukusukela ngoku kukuchitha ngokwaneleyo. Ungazami ukubonelela ngemali eninzi kwimisebenzi kuba unokuba nesimanga esingaqhelekanga nangaliphi na ixesha. Kuba unokuyidinga imali xa ujongene nentlawulo engalindelekanga okanye uhlawule ityala phambi kwabantu besithathu. Kuba kunyanzelekile ukuba Yiba noomatrasi kwiakhawunti yakho yokujonga ukukhusela kwezinye zezi meko siziphakamisile kweli nqaku. Ayothusi into yokuba inokukhokelela ekubeni wenze izinto ezimbi ezenza ukuba ulahlekelwe yimali kwimarike yemasheya eyenziwayo kwezi meko zichaziweyo.

Ngelixa ngokuchaseneyo, awuyi kubhencwa kwilahleko enkulu kwingxelo yakho yengeniso. Hayi ngelize, ungadibanisa utyalomali lwakho kunye nezinye iimveliso zengeniso esisigxina, ezinje iidipozithi zebhanki zexesha elimiselweyo. Nangona beza kukubonelela ngembuyekezo ephantsi kakhulu engazukuchaza ngaphezulu kwe-1%, kodwa ngesiqinisekiso esipheleleyo sokuba awuyi kuphulukana neyuro enye kolu hlobo lotyalo-mali. Eli liqhinga elihlala lisebenza kakuhle ngamaxesha okungazinzi okukhulu kwiimarike zezabelo. Ukongeza, ayizukubiza mali ukuyenza ukusukela ngoku.

Sukutyala imali kukhuseleko olunye kuphela

Alithandabuzeki elokuba ukwenza utyalomali nge-asethi enye yemali yimpazamo enkulu enokuthi ihlawule imali eninzi ngayo. Ukujongana nale meko, elinye lamaqhosha lisekuyileni ibhaskithi yezabelo okanye iiasethi zezemali ngenjongo ephambili yokugcina ixabiso lamagalelo emali enziweyo. Kwelinye icala, yindlela elula yokwenza yahlulahlula imali ngaphezulu kwenani lezinye izinto eziqwalaselweyo zobuchwephesha, kwaye mhlawumbi nakwindawo yokujonga idatha yakho esisiseko. Ngaphandle kokunye, akukho mathandabuzo okuba uya kuthatha umngcipheko omncinci kunangoku, eyona nto iphambili malunga nolawulo.

Awunyanzelekanga ukuba usenze esi sicwangciso kwiimarike zezabelo. Ukuba akunjalo, ngokuchaseneyo, unokukwenza ngokusesikweni kunye nezinye iiasethi zemali, kubandakanya ezo ezivela kwingeniso esisigxina kunye nokulingana Ukusuka kwezinye iindlela kutyalo-mali. Ukuze ungalahlekelwa yimali ngexesha elinye njengoko kusoloko kusenzeka xa utyala imali oyigcinileyo kukhuseleko lwezezimali okanye kwiasethi apho ubungozi ekusebenzeni bukhula ngamandla athile. Njengoko uya kuba nakho ukuqinisekisa ngemisebenzi oyenzileyo kwiminyaka edlulileyo kwaye ngokuqinisekileyo ukuba ayizukuthanda izinto zakho. Ukuba akunjalo ngokuchaseneyo, njengoko nawe unako ngeli xesha.

Ukuphonononga iindlela zexabiso

isitokhwe

Ewe, esi sicwangciso-buchule siluncedo ekuphuhliseni ukusebenza kweemarike zesitokhwe, nangona sikwanomngcipheko wokuba ayingabo bonke abatyali mali abancinci nabaphakathi abakwaziyo ukuwenza ngolwazi. Yiyo loo nto ukubaluleka kokuba neenkcukacha ezicacileyo malunga nendlela onokuthi uhambise ngayo le misebenzi kwiimarike zezabelo. Kuya kuba yinto ebaluleke kakhulu ukuthenga ezihlangabezana nale miqathango. Icebo elincinci lokwenza le nkqubo yotyalo-mali isekwe kwinto esisiseko njengokuba ixabiso kufuneka libe ngezantsi ngaphezulu yakhe umyinge weentsuku ezingama-50 okanye ezili-100. Ukusetyenziswa kwayo kunqabile ukusilela, nokuba lithuba elingakanani na elibhekisa kulo kutyalo-mali lwakho.

Ngelixa kwelinye icala, elinye iqhinga elinokusetyenziselwa ukwenza oku kuthengwayo kwiimarike zezemali kubandakanya ukuthenga Izabelo ezingaphezulu. Oko kukuthi, bawele kakhulu kwiiseshoni zokugqibela zemarike yestokhwe kwaye ke ngenxa yoko ziimeko ezilungileyo zokuphinda bavuseleleke benamathuba aphezulu okuba ezi ntshukumo ziya kuqala ukusebenza kwiimarike zezabelo, kuzwelonke nakwamanye amazwe. Yikhuphe kwaye uza kubona ukuba utyalomali lwakho luhamba ngcono njani kwezi zihlandlo zichanekileyo.

Ngamaxabiso kuhlaziyo

Esinye isisombululo seengxaki zakho kwezi mali zixhomekeke kwinto yokuba ixabiso elingaphezulu kwale milinganiselo ebesikhe sayibhengeza ngaphambili lingaphezulu kunalo lonke, okanye ubuncinci alikho kakhulu. Nangona iwela ngezantsi ngokufanayo akukho mathandabuzo okuba baya kuba kwimeko yokuba kwi inkqubo yokulungisa ecacileyo. Apho unokufumana khona ezi stock zinamaxabiso aphantsi okhuphiswano kwiintsuku ezimbalwa okanye kwiiveki kamva. Ngobunye okanye obunye ubungakanani ngokubhekisele kumaxabiso amaxabiso kwiimarike apho zidweliswe khona iiasethi zemali.

Kufanele ukuba kube luhambo ekufuneka ulwenzile ngononophelo olukhulu ngenxa yomngcipheko obandakanyekayo kolu hlobo lokuhamba ngendlela ethile kunye nendlela ekhethekileyo. Ayothusi into yokuba kufuneka ubonelele ngenqanaba eliphezulu lolwazi kwisicwangciso esiza kusetyenziswa kolu tyalo-mali lukhethekileyo kuzo zonke iindawo zokujonga. Apho ungalahleka khona kakhulu ukuba awuwenzi umsebenzi njengoko unqwenela ukusukela ngoku.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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