Ukuthenga nokuthengisa izitokhwe yenye yezona ndlela zisebenzayo zokwenza imali okanye zotyalo-mali lokonga. Kodwa ngononophelo olukhulu kuba ukuba izinto zihamba gwenxa ungashiya ii-euro ezininzi apha endleleni. Ngale ndlela, into eyahluke kakhulu kutyalo-mali kwixesha elifutshane kunakwilizwe elide. Kungenxa yokuba okokuqala kuya kubaluleka ukuxhasa utyalomali kwi a nditsho Ngexabiso elikhethiweyo. Kodwa oko ekugqibeleni kuya kuxhomekeka kwezinye izinto ezinokuthi zingalindelekanga ngenene. Iziphumo ezibi kakhulu kwingxelo yakho yengeniso.
Ngayiphi na imeko, inye into ekufuneka uyithathele ingqalelo kutyalo-mali lwexeshana kwaye awunakukhetha ngaphandle kokuba Ukujonga ukuvela kwamaxabiso. Ukuze ngalo naliphi na ixesha ukwazi ukuhlehlisa izikhundla okanye, ngokuchaseneyo, ukuba iimeko eziyimfuneko ziyafezekiswa, zonyusa izikhundla. Enye into ekufuneka uyithathele ingqalelo yimfuno yokuhlawula amatyala oya kuyidinga kwiinyanga okanye kwiminyaka ezayo. Kuba ngokuxhomekeke kwezi paramitha zibalulekileyo, uya kuzifumana ubandakanyeka kwelinye okanye kwelinye icebo lotyalo-mali.
Kwelinye icala, utyalo-mali lwexesha elide lwahlukile ngokwenkqubo oyisebenzisayo ukwenza ukonga kwakho kunenzuzo. Ayothusi into yokuba, uninzi lwabahlalutyi bezemali lubhekisa kwinto yokuba kula maxesha amade uhlala ufumana inzuzo eyinkunzi kwimarike yemasheya. Nangona kunjalo, kukho iimeko ezithile eziphikisanayo nale mbono kwaye kunokubakho neentshukumo zenkampani eziphazamisa amathemba akho kwiimarike zezabelo. Okanye ukungabinamali kwenkampani edwelisiweyo, njengoko kwenzekile kule minyaka idlulileyo ngeLa Seda de Barcelona okanye iTerra, ukubiza nje imizekelo embalwa.
Yeyiphi imali ekufuneka uyityale?
Ewe umbuzo wokuqala ekufuneka uzibuze wona ukusuka ngoku ukuya phambili ngowokuba kufuneka ibe yintoni inkxaso yemali ekufuneka uyinike le misebenzi kwintengiso yemasheya. Ewe, ngale ndlela akukho mithetho imiselweyo ayifanele. Kodwa iya kuxhomekeka ngaphezulu kwayo yonke imali kwikomkhulu lakho lomntu osele ulifumene ukuza kuthi ga ngoku. Ngokusekwe kolu phawu, akufuneki utyale imali iyonke yale mali. Kodwa indawo enobulumko kwaye kuyo nayiphi na imeko kuya kufuneka usoloko unemali ethile kwiakhawunti yakho yokonga. Ukuze ngale ndlela, uphendule kwiindleko ekufuneka ujongane nazo kwiinyanga ezizayo: ukuhlawulwa kwempahla, isikolo sabantwana, amatyala engeneyo kunye nayiphi na into enokuvela nanini na.
Kwelinye icala, awungekhe ulibale ukuba kubaluleke kakhulu ukuba uhlukanise ukonga kwakho ngaphezulu kwezinye izinto eziqwalaselweyo. Ngokufanelekileyo, akufuneki ugcine imali kwingobozi enyeNokuba yeyiphi na le: idipozithi yexesha, ukuthengwa kunye nokuthengiswa kwezabelo okanye imali yotyalo mali. Phakathi kwezinye izizathu, kuba ungaphulukana nenxalenye elungileyo yolondolozo ukuba izinto azihambi njengoko ulindele. Imali kufuneka ihanjiswe phakathi kweemveliso ezininzi zemali, kodwa ziyahambelana. Ewe akunakukwazi ukuyenza kukutyala utyalomali kwimarike yemasheya kunye notyalo mali olusekwe kwingeniso eyahlukileyo. Kuba ekupheleni kosuku uya kuba utyala imali kwi-asethi yemali efanayo. Akunakubakho mahluko kwizicwangciso ozisebenzisayo.
Yiba ngexesha elifanelekileyo
Elinye lamaqhosha okwenza yenza imali Impumelelo ethile kutyalo-mali iya kuba ngexesha elifanelekileyo, into ekungekho lula ukuyiphumeza ngalo lonke ixesha. Ngokubhekisele kwiimarike zamasheya, oko kuthetha ukuba kuya kufuneka ubekwe kwindawo ephezulu kumaxesha onke. Ayilolize, uya kuba nazo zonke iindawo zokuvota ukufumana inzuzo yesisa kwiminyaka embalwa yokwenza lo msebenzi. Nangona kulula kakhulu ukuba unako ngenisa iimarike zezemali ekuqaleni kwezi ntshukumo. Phakathi kwezinye izizathu kuba uya kuba nakho ukubanakho ukuphinda uhlaziyeke kunakwizigaba eziphakathi nezokugqibela zale nkqubo ekwenziweni kwamaxabiso. Kwanele ukuqinisekisa ukuba ii-equities zamanye amazwe bezikade zihamba iminyaka emihlanu kwaye ngoku akunakuba lelona xesha lilungileyo lokufumana imbuyekezo ephezulu kutyalo-mali kwimarike yemasheya.
Ngapha koko, nawe unakho uthathe ithuba lamaxesha athile onyaka ukwanelisa iimfuno zakho zotyalo-mali. Kungenxa yokuba kunokwenzeka ukuba baphuhlise iintshukumo ezinamandla kunabanye. Omnye wale mizekelo ubonakalisiwe kwiinyanga ezidlulileyo zonyaka ukusukela oko ukunyuka okuphezulu kulula ukuphuhlisa, njengoko kunokubonwa kwiimarike zezemali kula mashumi eminyaka adlulileyo. Ngumzuzu ongenakuphulukana nawo ukuze wonge imali ngexesha elifutshane. Akumangalisi ukuba yiminyakazo ethembeke kakhulu kwaye kunqabile ukuba yaphulwe ngenxa yayo nayiphi na enye imeko.
Iimveliso oza kutyala kuzo
Kukho elinye inqaku elinomdla okhethekileyo kwaye lelo libhekisa kwiimveliso zezemali apho kufuneka utyale imali oyigcinileyo. Oku kwahluka kutyalo-mali kuya kuxhomekeka ikakhulu kwi iprofayile oyivezayo njengomtyalomali omncinci nophakathi. Ukuziqhelanisa kuthetha ukuba ukuba ungumtyali mali olondolozayo okanye okhuselayo, akufuneki ube nokubhencwa ngokubanzi kwiimveliso zezabelo. Ngelixa ubundlongondlongo, akukho mathandabuzo okuba kufuneka utyale imali ekuthengeni nasekuthengiseni izabelo kwimarike yemasheya kwaye mhlawumbi nefomathi eyingozi ngakumbi. Njengomzekelo, iziphumo, iziqinisekiso okanye utyalomali kwizixhobo ezingasetyenziswanga.
Ngokuchasene noko, kuzo zonke iimeko kuya kuba luncedo kakhulu ukwahlula imali ngokuchanekileyo ngokuxhomekeke kwiprofayili oyivezayo njengomthengisi. Ngokusebenzisa i- Ngokuqinisekileyo ipotifoliyo elungeleleneyo yezokhuseleko kunye neemveliso zemali kwaye unokugcina ukonga ngaphezu kwayo yonke enye into. Kuba ngokuchanekileyo olu phawu lokugqibela akufuneki luphoswe kuso nasiphi na isicwangciso-mali sotyalo-mali esinexabiso ngetyuwa yaso. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko. Akumangalisi ukuba ibe yenye yeenjongo zakho eziphambili kuyo yonke imisebenzi, nokuba kukwimarike yengeniso engaguqukiyo okanye eyahlukileyo.
Yiba kwimali ukuze uzikhusele
Ukuba ufuna ukwenza utyalomali olufanelekileyo, into yokuqala kuya kufuneka uyenze kukukhusela imali yakho ngaphezu kwayo yonke enye into. Ukwenza oku, kuya kufuneka unikezele ngenxalenye elungileyo yolondolozo lwakho kwiimveliso ezikunika ezinzileyo kunye nokuqinisekisa ngenzuzo rhoqo ngonyaka. Esi sicwangciso sinokwenziwa kwimivuzo esisigxina kunye neemveliso zengeniso eyahlukileyo. Phakathi kwezokuqala kukho imali ebekiweyo, nangona okwangoku iphantsi kwenqanaba lenzala ephantsi kakhulu. Njengomphumo womgaqo-nkqubo wezemali owenziwa kwi-European Union kwaye oko kukhokelele ekubeni ixabiso lemali lingabi ngu-zero, oko kukuthi, kwi-0%.
Ngokumalunga nenzuzo kwizabelo zamashishini, unokufumana umvuzo oqinisekileyo kunye nokuqinisekisiweyo. Lo mzekelo uveliswe yi Utyalomali oluqinisekisiweyo. Inika inzala enokufikelela kwi-5%, kuxhomekeke kwipotifoliyo ezenziwa zezi mveliso zemali. Ukuya kwinqanaba lokuqwalaselwa njengeyona modeli yotyalo mali isebenzayo yokutshatisa umngcipheko kunye nenzuzo. Kwaye ngokuqinisekileyo kuneziphumo ezigqwesileyo kunalezo zinikezelwa ngedipozithi yekota. Umahluko ukuya kuthi ga kwiipesenti ezine zamanqaku.
Ukungazinzi kakhulu kwiimarike
Eyona nto iphosakeleyo ngokubekwa kwiimarike zezemali kula maxesha kukungazinzi okuphezulu okuveliswe zizikhundla zabo. Ewe kunjalo, iphezulu kunakwiminyaka embalwa edlulileyo kwaye ngenxa yoko khange ihlupheke kangako phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Kwelinye icala, oku kwenza ukuba kungabinakho ukuba ube nemida eyoneleyo yokukhusela izikhundla zakho ukusukela ngoku. Ngeengozi ezininzi ezifihlakeleyo Kuyo yonke imisebenzi oyikhulisayo, ngakumbi leyo imiselwe ixesha elifutshane, apho ungenakukwazi ukukhusela ukonga kwakho ngokukuko.
Kuphela kukusebenza kwangaphakathi okanye zenziwe kwangolo suku lunye unokufumana iziphumo ezingcono. Kodwa okoko unamava kolu hlobo lwemisebenzi ekhethekileyo efuna ulwazi olunzulu lweemarike zezemali. Ngemisebenzi eyaziwa ngokuba kukuthengisa kwaye iya ngaphaya komgaqo wokuba ukhuseleko olukhethiweyo okanye iiasethi zemali zihamba. Ukuba akusiyo imeko yakho, kuya kuba ngcono ukuyeka umzamo kuba ungashiya i-euro ezininzi endleleni. Kwaye ke, akunakunceda ukwenza imisebenzi enjalo.
Esinye sezitshixo kutyalo-mali oluyimpumelelo lusekwe ekudibaniseni umnqweno wokufumana imbuyekezo kunye nokugcinwa kwezikhundla. Ngaphandle kokuba ujonge kwiinzuzo ezintle, njengoko kwenzekile nakweminye iminyaka xa imeko yeemarike zezabelo yayiyanelisa ngakumbi. Kuba ukusukela ngoku iinjongo zakho kufuneka zithobeke kakhulu kunangaphambili. Hlala kude nembuyekezo kwimali ekhutshwe kabini, ngaphandle kokuba ufuna ukubekeka emngciphekweni ngakumbi. Kwaye ayingabo bonke abatyali mali abanokuthatha esi siqalo.