Izitshixo ezili-10 zokutyala imali ngokuguqukayo

uguquko Elinye lawona maqhinga alungileyo okwenza naluphi na uhlobo lotyalo-mali kukunyanzelisa phantsi kweemeko zokuba bhetyebhetye. Eli luphawu oluphucula kakhulu ukusebenza kwabatyali mali. Ngenxa yeempembelelo ezibini eziveliswe kukusetyenziswa kwale modeli ehlala ihamba ngokukuko kunye nokusebenza kwinqanaba lokukhuthaza utyalomali Inenzuzo kakhulu kunangaphambili. Le yinto onokuyifumana ukusukela ngoku, hayi kwiimarike zesitokhwe kuphela kodwa ngokuchaseneyo nakuluphi na uhlobo lwentengiso yemali, kubandakanya nezo zinengeniso esisigxina.

Iziphumo eziveliswa bubhetyebhetye kutyalo-mali zinemiba emibini ebonakaliswa kwizenzo zakho zobuqu. Kwelinye icala, ngexabiso ukwanda kwembuyekezo kulondolozo, ihlala ingaphezulu kwesicelo sezinye iindlela ezingaphezulu okanye ezingaphantsi kwesiqhelo zotyalomali. Kwaye kwelinye icala, kwaye kungabalulekanga kangako, ngokukhusela iiasethi zakho zobuqu okanye zosapho. Ukufikelela kwinqanaba lokuba ube nakho ukufikelela kwiinjongo zakho ezinqwenelekayo kwiimarike zezemali.

Ngaphandle kwamathandabuzo, uthotho lweengcebiso ziya kuthatha isigqibo sokuhambisa ngempumelelo eyodwa ulawulo lwayo yonke imali oyigcinileyo eyenzelwe iimarike zezemali. Kungenxa yokuba, ubhetyebhetye benziwe ngendlela eyahlukileyo yokubona, hayi kuphela iimarike zentengiso kodwa kunye nezinye kwaye apho oko kubizwa ngokuba zezinye iindlela kudlala indima efanelekileyo. Nguwo ke lo mzuzu wokufikelela kwezi zinto kwaye ngokungathandabuzekiyo ziya kunika ubhetyebhetye obukhulu ekusebenzeni kwakho kulo naluphi na uhlobo lweemarike zemali.

Isitshixo sokuqala: ukwahluka

Impumelelo yemisebenzi yakho ngokungathandabuzekiyo iya kuxhomekeka ekubeni nakho kwakho zahlule ngokuchanekileyo ukusukela ngoku. Ayisiyiyo kuphela kwii-equity kodwa ikwangumvuzo osisigxina okanye kwezinye iindlela okanye ubuncinci ngokuqheleka. Apho awuzukukhetha ngaphandle Hambisa imali yakho ekhoyo phakathi kweemveliso ezikhethwe ngamaxesha onke. Nokuba zeziphi na kwaye inqanaba lomngcipheko obandakanyekayo kwimisebenzi yakho. Ukuze ngale ndlela, utyalo-mali lukhuselwe ngcono kwimeko ezinobungozi kwiimarike zezemali.

Isitshixo sesibini: ukukhula okufutshane

Kwaye awufuni nakuphi na ukungoneliseki kutyalo-mali lwakho, esona sicwangciso sichanekileyo ayizukuba kukuqondisa utyalo-mali kwixesha eliphakathi nelide. Akumangalisi ukuba kumaxesha amafutshane okuhlala uya kuba namathuba ngakumbi lungisa iimpazamo Ozibophelele kwimarike yemasheya okanye ezinye iimarike zezemali. Nokuba unokhetho lokwenza ugqithiso ukusuka kwelinye ukuya kwelinye kwimveliso yezemali. Ayilolize kwiminyaka emininzi ukubonwa ukuba unokwenza iimpazamo ezinokuthi zilinganise imali oyigcinileyo. Njengoko kwenzekile kubatyali mali abancinci nabaphakathi, ngakumbi kumaxesha oxinzelelo lwezoqoqosho kunye nezopolitiko.

Isitshixo sesithathu: vulela amathuba

mathuba Ukuba umnqweno wakho kukonyusa ingeniso yotyalo-mali lwakho, awuzukukhetha ngaphandle kokuthathela ingqalelo amathuba amatsha eshishini. Ngaphantsi kwesi sicwangciso akukho mathandabuzo ukuba unyaka nonyaka uya kuyiphucula imeko yotyalo-mali lwakho kuzo zonke iindawo zokujonga. Nangona kunjalo, kucetyiswa kakhulu ukuba uvuleleke kwiindawo zotyalo-mali ezinokuba yinzuzo kakhulu ngaphandle kokwazi kakuhle. Ukusuka kule nkqubo yokuzikhethela unakho zuza imbuyekezo engaphezu kwe-10%, nangona kuyinyani ukuba ukuthatha umngcipheko ngakumbi ekuphenduleni kwakho. Kodwa kwiimeko ezininzi, ngesiphumo esihle kakhulu somdla wakho. Yinto ekufuneka uyithathele ingqalelo kulo naluphi na uhlobo lwendlela. Ewe awungekhe uvale ngaphakathi kwiimarike zemali ezingekasetyenziswa gwenxa ngabatyali mali abancinci nabaphakathi.

Isitshixo sesine: sukujolisa kwindawo

Enye yezona ngcebiso ziluncedo kukuba zivule ngokwakho kwamanye amaziko ezezimali angaphaya kwalawo elizwe. Isicwangciso esikhokelela ekufumaneni amathuba amashishini amatsha kwaye uthathe ithuba lokudibana nganye nganye. Kuba kuyakubakho ixesha apho ukonyuka kweemarike zikazwelonke zezemali kuye kube kuphelile. Ewe, lo iya kuba ngumzuzu oqinisekileyo ukuya kuwo khangela iiasethi ezintsha okanye iimarike zezemali. Ngokukodwa, abo banemeko eyoyikisayo ngakumbi yokuvula izikhundla ezineemeko ezingcono kwiindices zabo. Ngale ndlela, uya kube ushenxisa umngcipheko onokubakho kwimisebenzi evulekileyo.

Isitshixo sesihlanu: iimveliso ezinemali

Ukuba awufuni kuba neengxaki ezigqithileyo kutyalo-mali lwakho, eyona ndlela yokufezekisa oku kukwenza isivumelwano semveliso yezemali kunye nemali eninzi. Ukuziqhelanisa kuthetha ukuba unako phuma kwizikhundla zabo ngaphandle kweengxaki ezigqithileyo. Umzekelo, ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya okoko nangaliphi na ixesha uya kuba nakho ukuhlengahlengisa izikhundla ukuze ubenemali kwiakhawunti yakho yokonga. Ngayiphi na imeko, into ongaze uyenze kukubhalisela iimodeli ezinokukhula okude kakhulu kwaye ezinokudala ngaphezulu kwesinye isiganeko kwiiakhawunti zakho. Ujongene nesidingo sokujongana nothotho lweendleko kuqoqosho lwasekhaya.

Isitshixo sesithandathu: ulawulo olusebenzayo

Alithandabuzeki elokuba olu hlobo lwesicwangciso-qhinga solawulo luya kukunceda ukuphucula imbuyekezo yakho kutyalo-mali. Phakathi kwezinye izizathu, kuba unokuthatha ithuba lezona meko zingathandekiyo kwiimarike ze-equity. Kananjalo awunakulibala ukuba kuya kufuneka Hlaziya iphothifoliyo yakho amaxesha ngamaxesha ukuziqhelanisa neemeko ezintsha ezibekwe ziimarike zezemali. Nangona kunjalo, ayizizo zonke iimveliso zezezimali ezibonelela ngokubaluleka kwaye kule ngxowa mali yotyalo-mali yenye yemizekelo emele ukuba yeyiphi na esebenzayo kulawulo. Udidi lotyalo-mali kule minyaka idlulileyo lufumene ukubaluleka okukhulu phakathi kwabatyali mali abancinci nabaphakathi.

Isitshixo sesixhenxe: dibanisa utyalomali

oroEwe kunjalo, impumelelo yokusebenza kwakho iya kuvela ekusetyenzisweni kwesi sicwangciso nangaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko. Oku kuthetha ukuba akufuneki utyale imali yakho kwizabelo. Ukuba akunjalo, ngokuchaseneyo, kuya kufuneka uyixube kunye neeasethi ezivela kwingeniso esisigxina. Ukuze ngale ndlela, ukwazi Nciphisa ilahleko enokwenzeka Ezona meko zimbi nakweyiphi na intengiso yemali. Ukuba ulandela eli cebiso, alithandabuzeki elokuba ukusukela ngoku izinto ziya kuba ngcono kuwe. Phakathi kwezinye izizathu, kuba uya kuthatha umngcipheko omncinci ekusebenzeni, nangona ezinye zazo ziya kwenza kakubi kunokuba bekulindelwe.

Isitshixo sesibhozo: sukufuna kakhulu

Ukuba ufuna ukuphumelela kwicandelo lotyalo-mali, akufuneki usete iinjongo ezikude nenyani kwaye ezinokuphazamisa ulindelo lwakho njengomtyali mali. Kungcono ukuba uzibekele iinjongo ezinokufezekiseka nokuba azikho ndlongondlongo. Ewe kunjalo, akuyomfuneko ukuba ufezekise imbuyekezo engaphezu kwamathuba akho kuba le meko inqabile ukuzaliseka. Izivuno ezincinci zikhethwa kodwa unokufumana i-inshurensi. Nokuba uyazi ukuba kwiimveliso zezemali, ukubuya kotyalo-mali kunqabile ukuba kuqinisekiswe. Omnye wemizekelo embalwa uboniswa yinto ekuthiwa yeyokuqinisekisa imali. Kwaye kwelinye icala ngezahlulo ezisasazwe ziinkampani ezidweliswe kwiimarike zesitokhwe. Ngembuyekezo yonyaka kunye nenzuzo engaphezulu kwe-5%.

Isitshixo sesithoba: thintela ukungazinzi

Ukuba unako, kuya kufuneka uhlale kude neemveliso zezemali eziguquguqukayo. Ayingawo amaqabane amahle okuhamba kwiiprofayili ezithile kubatyali mali abancinci nabaphakathi. Ayothusi into yokuba banokuba nemveliso kakhulu kuba banako kukusa kwilahleko ukuze uhlawule kwingxelo yakho yengeniso. Kwelinye icala, kuya kufuneka unemfundo enkulu yokusebenza kolu didi lweemveliso zemali. Apho ubungozi bukhulu kakhulu kwaye kufuneka ufunde ukuhlala nabo. Ayisosisombululo sokufuna eyona mbuyekezo intle kwintengiso, kodwa ngokuchaseneyo.

Isitshixo seshumi: rhuma uxubekile

ixutyweUkuba awufuni ukubenza nzima ubomi bakho kutyalo-mali, esinye sezona zicwangciso-qhinga zibalaseleyo kukusekwa kwezinto ezibizwa ngokuba yimveliso exubeneyo. Yiyo i dibanisa umvuzo ongaguqukiyo nokwahluka Kwaye baneziphumo ezonelisayo kakhulu kwiminqweno yakho. Ukusuka kule meko, kuyacaca ukuba imali yotyalo-mali yenye yezo zimelweyo. Kodwa kukwakho nezinye ezincinci ezaziwayo, ezinje, umzekelo, iidipozithi ezinxulunyaniswe nezinto ezithile zemali (ukuthengwa kunye nokuthengiswa kwezabelo, izinyithi ezixabisekileyo, izinto zokwenza izinto, njl.

Kwaye okokugqibela, kuya kufuneka ufunde ukungoyiki nakwezona meko zingathandekiyo kwimidla yakho. Kuba ukuba bekunje, ubuya kunyanzelwa ukuvala imisebenzi yokukhubazeka kwingxelo yengeniso. Ukuya kuthi ga kwinqanaba elithile, kuya kufuneka uyazi ukuba nayiphi na i-asethi eyimali itshintsha amaxabiso yonke imihla kwaye kukho amaxesha apho izinto zinokuhamba kakubi. Awunakukhetha ngaphandle kokuthatha le meko ngokuzola.


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