9 Iindlela zokungangeni ematyaleni kwimarike yemasheya

izitshixo

Owona mngcipheko mkhulu obandakanyeka kutyalo-mali kwiimarike zengeniso kukuba unokuba kwimeko yamatyala. Oko kukuthi, unako ukuvelisa ngaphezulu kwesinye seengxaki Ngexesha lokujongana nokusebenza kwaye okoko ungazivaliyo izikhundla ngokuqinisekileyo. Oku kuhlala kwenzeka rhoqo rhoqo phakathi kwabatyali mali abancinci nabaphakathi. Ngokukodwa, ukujongana neemeko apho ufuna ukuthengiswa kwemali kwiakhawunti yakho yokonga ukuze wenze naluphi na uhlobo lwentlawulo kubantu besithathu.

Enye yeemeko ekufuneka uziphephe ukusukela ngoku ukuya kwikhontrakthi yomgca wokuthwala ukuze wenze utyalomali kwiimarike zezabelo. Awunakho ukulibala ukuba kuya kufuneka uhlawule ireyithi yenzala ethi kwiimeko ezininzi ibe ngaphezulu kwama-7% amanqanaba. Kuzo kuya kongezwa kunokwenzeka iikhomishini kunye nenkcitho kulawulo nokugcinwa kwayo. Kwaye oko kungakhokelela kuhlahlo-lwabiwo mali lwakho olukonyukayo ukuya kuthi ga kwiipesenti ezi-3 kwezi ngcamango kwisixa esifunwayo. Umngcipheko ongakulungelanga ukuthatha nangayiphi na indlela.

Kule meko ngokubanzi, enye yezinto eziphambili ngokubaluleka iya kuba kukuba awunalo ityala elixhalabisayo ngenxa yokusebenza kwakho kwimarike yemasheya. Kufuneke u yazi imali onayo kolu didi lwemisebenzi kwiimarike zemali. Ngenjongo yokungasebenzisi inkcitho onayo inyanga nenyanga ayikuvumeli. Ukuze ngale ndlela uhlengahlengise kwinto onokuyibuyisa ngaphandle kokuvelisa ityala elingenakufuneka ngokupheleleyo. Kuba ukuba awukwazi, elona cebiso lililo ayikokutyala imali phambi kwezinto ezinokwenzeka kwiimarike ze-equity. Yinto elula nje leyo.

Ukungatyali lonke ulondolozo

lo ndolozo

Isitshixo sokuqala sokungazenzi iimpazamo iya kuba kukubala ukuba yintoni na ikapitali yakho kwaye unikezele inxalenye yayo kutyalo-mali. Ukuze ngale ndlela, ube kwimeko yokuthatha zonke iindleko oya kuba nazo ukusukela ngala mzuzu ukuya phambili. Phakathi kwazo, ukuhlawulwa kwamatyala asekhaya, umrhumo wakho wetyala, iimfuno zonyango kunye nayiphi na enye enokuvela nangaliphi na ixesha. Kwelinye icala, kuya kufuneka qikelela iindleko ezingalindelekanga inokuvela nakweziphi na iinyanga ezizayo. Kuya kufuneka ubenomqamelo okunceda ukukhusela kwiimeko ezingafunekiyo xa ujongene notyalo mali oza kulwenza kwiimarike zezabelo.

Yenza imisebenzi encinci

Ukutyala imali yakho kwiimarike zezabelo akukho mfuneko yakwenza ukuthengiswa kwexabiso elikhulu. Kuba njengoko zifunwa ngakumbi, kokukhona kuya kubakho ukulahleka okunokwenzeka kwezi ntshukumo zesitokhwe. Kwanele ukuba wanelise iimfuno zakho zotyalo-mali ukuze ungangeni kumatyala amaninzi kunokuba ayimfuneko. Ungakulibali ukusukela ngoku kwaye kuya kukunceda uphephe ukumangaliswa ngamanye amaxesha kwiakhawunti yakho yokonga. Kwelinye icala, awunyanzelekanga ukuba ube ndlongondlongo kakhulu xa uthatha isikhundla kwezinye zeemarike zezemali.

Cwangcisa yonke ingeniso yakho

ngeniso

Esi sicwangciso siya kubaluleka ekusebenzeni kwintengiso yesitokhwe ngoxolo olukhulu kwengqondo. Ngokukodwa, kwimisebenzi eqhutywa kwixesha eliphakathi nelide. Ngale ndlela, kuya kufuneka ube nengeniso esisigxina inyanga nenyanga. Nokuba yeyengeniso evela emsebenzini okanye isiphumo solunye uhlobo lotyalo-mali, njengakwi Intlawulo yesahlulo ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Ukuya kwinqanaba lokuba kuya kukuvumela ukuba uphephe ukusebenza kakubi kwiimarike ze-equity ngenxa yesidingo semali kwi-akhawunti yakho yokonga ukuhlawula iindleko zakho eziyimfuneko.

Khetha amaxabiso kakuhle

Ukhetho olufanelekileyo kwiimarike zezemali, alithandabuzeki elokuba iya kuba sisixhobo esibaluleke kakhulu ukunqanda ukungena ematyaleni kwimarike yemasheya. Phakathi kwezinye izizathu kuba uhlala uhlala thengisa iinzuzo ezinkulu oyifumana kwimisebenzi oyiphuhlisayo ukusukela ngoku. Ngelixa kwelinye icala, yinkqubo efanelekileyo kakhulu yokwenza ibhegi yokonga ezinzileyo kwixesha eliphakathi nelide. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha kwendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Ukongeza, ngomnye wemithetho yegolide yokwandisa ukusebenza kwiimarike ze-equity.

Imisebenzi yexesha elifutshane

Iyeza elilungileyo lokunganyusi inqanaba lakho lamatyala lilele kwimeko yophuhliso lwemisebenzi kujoliswe kwixesha elifutshane. Ngale ndlela, uya kuhlala unemali kwiakhawunti yakho yokonga. Nokuba imisebenzi ilungile okanye ayilunganga, ngokuchaseneyo. Ayilolize, uya kuba nakho ngokupheleleyo ukuhlawula zonke iimfuno ekufuneka ujongane nazo nangaliphi na ixesha. Kwelinye icala, esi sicwangciso-mali sikunceda ukuba ubhetyebhetye kubudlelwane bakho neemarike zezabelo. Ngaphandle kokunganyanzelekanga ukuba uthengise apho unokulahla ii-euro ezininzi apha endleleni.

Zibekele iinjongo

Ukuba usebenzisa esi sicwangciso siliqela kutyalo-mali, alithandabuzeki elokuba luza kwanjalo uya kuthintela iimeko ezingafunekiyo ekubeni zifike kwiminqweno yakho. Ngelixa kwelinye icala, yinkqubo esebenzayo kakhulu yokulawula yonke intshukumo kwiakhawunti yakho yebhanki kwaye apho unokucwangcisa nokuba uza kuzithengisa nini izabelo. Ukuba kunokwenzeka ngeenzuzo ezinkulu kwingxelo yengeniso kwaye ungayandisa imali oyityalileyo kancinane kancinci. Kubaluleke kakhulu ukuba uyigcine engqondweni ukuze ungangeni ematyaleni agqithisileyo. Ukuba neenjongo zokufezekisa kwaye ungasiwa yi-inertia yeemarike zezabelo. Ngale ndlela kuphela apho uya kuba nakho ukukhawulela iziphumo ezingafunekiyo zokurhweba kwimarike yemasheya.

Namathela kuhlahlo-lwabiwo mali

indleko

Ngaphandle kwamathandabuzo esi sesinye sezicwangciso zotyalo mali ezinokukunika eyona mpumelelo ukusukela ngoku ukuya phambili ukuze Amanani abomvu ayifakwanga kwingxelo yakho yengeniso. Ngaphandle kwezinye izinto eziqwalaselweyo kubuchwephesha bendawo esitokisini kwaye mhlawumbi nakwimbono yokujonga izinto ezisisiseko. Hayi ngelize, ayizukukwenza ukuba uthathe imisebenzi ongenakujongana nayo nezixa zabo kwaye ke kufuneka ubhenele kumgca wekhredithi ukuyenza nanini na. Esi sesinye sezizathu zokuba ekugqibeleni unetyala lemali elingaphezulu lokuhlawula umsebenzi owenziweyo kwiimarike zezabelo. Kuqhutywa kuso nasiphi na isicwangciso kulawulo lwentshukumo ezenziwe kwiimarike zesitokhwe.

Thatha ithuba lokuthenga

Ibargains zikhona kwii-equities, kodwa ngokuqinisekileyo zibonakala mva kakhulu. Ukuba le yayiyeyona tonic iphambili ngaphakathi Iiparquets Bonke abatyali mali baya kuba neengeniso ezinkulu. Kwenzeka ntoni ukuba kunzima kakhulu ukuzibona. Abatyalomali abaninzi bakholelwa ukuba ukhuseleko olunamaxabiso aphantsi ngamathuba amahle okuthenga. Impazamo enkulu, kuba oku akunakuthelekiswa namathuba okuthenga, kodwa kunoko bathengisa ngelo xabiso ngezizathu ezininzi Kwaye lixabiso eliyalelwa yimakethi, kungabikho ngaphezulu okanye ngaphantsi.

Amathuba ngokuchanekileyo xa isitokhwe siwe kwixabiso ngaphandle kwesizathu okanye ngenxa yokukhohlisa okanye abarhwebi ezithi ngenxa yezizathu ezahlukeneyo zityhale ixabiso liye ezantsi ukuze kamva lithenge ngexabiso eliphantsi. Ngokuqhelekileyo kwenzeka ngeempahla ezincinci kunye ne-cap-cap, kwaye nazo amatyala amancinci. Kukule mizuzu ichanekileyo xa imisebenzi yokuthenga inokwenziwa enokuba luncedo kakhulu kwimidla yabatyali mali kuba bacatshulwe ngezaphulelo ezibalulekileyo ngaphezulu kwexabiso ekujoliswe kulo.

Izaphulelo ekusebenzeni

Okokugqibela, elinye lamacebo aza kukunceda uhlangane nezi njongo ziphakanyisiweyo kweli nqaku yinyani yokunciphisa okanye ukunciphisa iindleko zokuthenga nokuthengisa kwintengiso yemasheya. Unokuthatha ithuba lokunyusa kunye nokunikezela ukuba iibhanki beziphuhliswa ukunciphisa ezazo iikhomishini kunye nenkcitho kulawulo nolondolozo yemisebenzi eyenziweyo kwiimarike zezabelo. Ukuya kuthi ga kwinqanaba lokuba ungagcina phakathi kwe-20% kunye ne-40% yenkcitho iyonke yalo msebenzi. Ngaphandle kokwenza umzamo omncinci ukuze unyaka nonyaka imali eseleyo kwiakhawunti yakho yokonga ibe sempilweni kunakwiminye iminyaka.

Ukuphunyezwa kwale nkqubo yokonga akuyi kuchaphazela ukuba loluphi na utyalo-mali ngokwalo, kodwa kuya kuchaphazela kuphela iindleko zalo. Oko kukuthi, kuyakubiza imali encinci ukuyiphuhlisa nakweyiphi na intengiso yemali. Ngale ndlela, unokwandisa ukusebenza ngendlela elula nesebenzayo yokufezekisa iinjongo zakho zotyalo-mali. Ngaphandle kokutshintsha inkqubo yokukhetha yexabiso lemarike yemasheya. Oko kukuthi, emva kwayo yonke loo nto, imalunga nantoni.


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

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