Ihlobo ngokuqinisekileyo lixesha elinzima lokuthengisa iimarike zezemali ngezizathu ezahlukeneyo esiza kuchaza apha ngezantsi. Ukuze ukwazi ukuhambisa ngokuchanekileyo ipotifoliyo yakho elandelayo yezokhuseleko kuba kufanelekile atypical ngakumbi kunamanye amaxesha onyaka. Kwiinyanga ezimbalwa ngokwesiko bekungalunganga kakhulu kwiingxowa iminyaka emininzi. Esi sesinye sezizathu zokuba isenzo sakho kufuneka sikhokelwe yingqondo kunye noxanduva lwezigqibo zakho.
Kwelinye icala, awungekhe ulibale ukuba saqala kwisikhundla esonyusa kakhulu kwiimarike ze-equity. Kuba ibonwa kwangaphambili ukuba ikhona ukulungiswa kwamaxabiso kwizenzo zokuhlengahlengisa umthetho wobonelelo kunye nemfuno. Akumangalisi ukuba kukho uvavanyo oluthile kule nkalo kwaye lunokulungiswa nangaliphi na ixesha kwaye akunakwenzeka ukuba le meko inokwenzeka kwiinyanga zasehlotyeni. Ke ngoko, awuzukukhetha kodwa uzilungiselele le meko ikhethekileyo.
Kufuneka kuqatshelwe ukuba kwezi nyanga umthamo wokuqeshwa uyehla ngamandla amakhulu. Into ebangela ukuba Ixabiso lokungazinzi yezenzo kwaye oko kubangela ukuba umngcipheko mkhulu kwizikhundla zabatyali mali abancinci nabaphakathi. Ukugxininisa ukuba umahluko phakathi kwamaxabiso aphezulu kunye neyona isezantsi unokunyuswa. Isimo esingafakwanga kwezinye iinyanga zonyaka, ukuze ekugqibeleni intshukumo ibe krakra kuzo zonke iimbono. Apho kukho iimpazamo rhoqo kunakwenziwa ziiarhente zonke kwicandelo lezemali.
Ihlobo, singenza ntoni?
Ukujongana nale meko ikhethekileyo ekhula kwiinyanga zasehlotyeni, iindlela ezahlukeneyo zotyalo-mali zinokusetyenziswa. Omnye wakhe kudlula ngokukhetha ukuhlawula amatyala kwiakhawunti yangoku yabatyali mali abancinci nabaphakathi. Ngeyona njongo iphambili yokugcina ikomkhulu lakho okanye losapho kunye nokuphepha naluphi na uhlobo lokuvuza olunokumangalisa kwezi nyanga zonyaka. Kwelinye icala, kuya kufuneka ubenolwazi malunga nokuvela kwamaxabiso ezabelo ngaphambi kwento enokwenzeka ngale mihla.
Ubutyala sisicwangciso esinokuthi sithathe kuphela ngendlela ekhethekileyo kwaye kude kubuye iiholide. Apho siza kuba nakho ukwenza imisebenzi kwimakethi yesitokhwe njengesiqhelo kwaye mhlawumbi ngamaxabiso esitokhwe kakhulu anokuvela kumawaka abonakalayo kuqikelelo lweenkampani ezidwelisiweyo. Ukusuka kule ndawo yokujonga inokuba ngumsebenzi oluncedo kakhulu kwimidla yethu ngokunxulumene nelizwe elihlala linzima lemali.
Thenga izinto ezikhuselayo
Esinye sezicwangciso esinokuzisebenzisa kwezi nyanga zehlobo kukukhetha amaxabiso akhuselayo okanye alondolozayo kwisalathiso esikhethiweyo sezabelo zamazwe, i-Ibex 35. Ngale ndlela, siya kuba sezona meko zilungileyo khusela imali yethu ejongene nezona meko zibi zotyalo-mali. Phakathi kwezinye izizathu, kuba amaxabiso abo abonisa ukungazinzi okukhulu ekuguqulweni kwamaxabiso. Imelwe ngamaxabiso amacandelo afanelekileyo njengombane okanye ukutya.
Kwelinye icala, bahlala bexabisa loo nto bahambisa izabelo phakathi kwabanini zabelo kwaye ezibonelela ngokuhlawula amatyala amakhulu kwiakhawunti yangoku yabatyali mali abancinci nabaphakathi. Ngenzuzo ehamba kuluhlu olusuka kwi-3% ukuya kuthi ga kwi-8%. Ngentlawulo kwi-akhawunti emiselweyo kwaye iqinisekisiwe minyaka le. Ngaphandle kokuvela kwayo kwiimarike ze-equity. Ukuba kuyo nayiphi na imeko iqhinga lotyalo-mali elijolise ikakhulu kubatyali mali bemveli.
Khetha ezinye iiasethi zemali
Ewe awungekhe ulawule ukujolisa kwezinye iimarike kunye neeasethi zemali njengenye indlela yotyalo mali. Umzekelo, yimeko yeemarike zengeniso emiselweyo ethi inikezele ngeyodwa kuphela Ubuncinci bokufumana inzuzo malunga ne-1%. Kodwa oko kunceda ekugcineni yonke imali esiyigcinileyo kwaye akukho yuro iya kulahleka kwiminikelo yemali eyenziwe kwesi sicwangciso kutyalo mali olulondolozayo. Ayothusi into yokuba umngcipheko ubuncinci kuba ukubonakaliswa kwakho akukho nje.
Kwelinye icala, enye indlela imelwe ngolunye utyalo-mali. Njengoko isenzeka ngaphakathi izinto eziluhlaza, izitye ezixabisekileyo kunye nezinye izinto zexabiso kolu didi. Nangona kule meko, banovakalelo ngakumbi kwimingcipheko yokusebenza kwabo. Kodwa kwezi zangoku, banokumela ithuba leshishini kuba banokubanakho ukuphinda bavavanye, ngakumbi igolide ebonisa imeko yezobuchwephesha. Ngayo yonke imingcelele ekunyukeni kwaye inokuba yinto ekuthengwa ngayo ngabatyali mali.
Ubhejo kwiimveliso eziguqulweyo
Ukuba ucinga ukuba imarike yemasheya iza kuwa kwiinyanga zasehlotyeni, unokuxhomekeka kolu hlobo lweemveliso zemali. Kodwa ucinga ukuba uthatha umngcipheko omkhulu Ukuba le miqathango ayifezekiswanga kwaye inokukhokelela kwilahleko enkulu yokuphonononga enokuthi ithathe ubunzima kutyalo-mali lwakho ngeli xesha lonyaka. Kwaye ke iya kuba sisigqibo esicingisisa ngakumbi ngenxa yokubandakanyeka kolu hlobo lweemveliso zemali.
Ziimodeli zotyalo-mali apho unokufumana khona imali eninzi, kodwa ngenxa yesizathu esifanayo, kukushiya uyinxalenye elungileyo yolondolozo olutyaliwe. Ngelixa kwelinye icala, kuya kufuneka ugcine ukhumbula ukuba ezi mveliso zezona zibonisa inqanaba eliphezulu lokunyusa ngenxa yeempawu zabo ezizodwa. Ayifanelekanga kuzo zonke iiprofayili ezikhoyo kubatyali mali abancinci nabaphakathi. Ngaphaya kolunye uthotho lokuqwalaselwa kobuchwephesha. Ukuba lolunye lweempawu zesazisi ezichaphazelekayo kwezi mveliso zotyalo-mali zinzima njengoko zinobuchule ngexesha elinye. Yinto ekufuneka siyithathele ingqalelo ukusukela ngoku.