Kufuneka wenze ntoni ukuba wenze impazamo kwintengiso yesitokhwe? Ezinye izisombululo

izisombululo

Enye yeengxaki ezinxulumene nayo nayiphi na into yokutshintshiselana kukuba wenza impazamo xa uthenga ngexabiso lemarike. Oko kukuthi, emva kweeseshoni zokurhweba ezininzi ixabiso liphantsi kakhulu kunelo liphuhlisiweyo ekufumaneni kwalo. Ngelahleko ye-capital latent enokuthi ikwenze uphulukane nee-euro ezininzi kwiintshukumo eziqhutywa kwiimarike ze-equity. Ngokuqiniseka konke, uyakube uzibonile ezi zenzo ebomini bakho njengomtyali mali omncinci nophakathi kwaye uyakungqinisisa ukuba inkxalabo iya kuba izinzile kwingqondo yakho.

Ukuze ukwazi ukulungisa ezi ngxaki kutyalo-mali kwiimarike ze-equity, siza kuphakamisa uthotho lwezisombululo ukuzama ukunciphisa le meko ezinokuthi zenzeke ngamaza athile kwimisebenzi yakho kwintengiso yesitokhwe. Kuba ngokwenyani, ngeendlela ezahlukeneyo uya kuba kwindawo, ubuncinci ukunciphisa iilahleko ezinokuthi zenziwe kwiakhawunti yakho yezokhuseleko ukusukela ngoku. Nangona oku kufuneka ufumane izakhono ezithile kulawulo lweeasethi zemali ezifanelekileyo ngokukodwa.

Asinakulibala ukuba enye yeempazamo ezinkulu ezinokuthi zenziwe ngabatyali zimali abancinci nabaphakathi ukuvala izikhundla kwimarike yemasheya xa izinto ziqala ukungahambi kakuhle. Oko kukuthi, xa utyalomali lotyalo-mali kwiimarike ze-equity alunjalo njengokuba ubunqwenela kwasekuqaleni. Ngayiphi na imeko, le nto inokuba yinto eqhelekileyo kwezinye iimeko kuba awunyanzelekanga ukuba wenze imisebenzi ibe nengeniso emva kokuthenga. Kungathabatha iiveki ezininzi okanye neenyanga ukuba ingxelo yengeniso ibe kumhlaba olungileyo.

Izisombululo: tshintsha ixesha elibekiweyo

Isicwangciso esilula kakhulu sokufaka okanye sokuqhuba senziwe ngokwamahluko ngokwemiqathango yokusisigxina. Ukuba ubona ukuba ulahlekelwa yimali kwimarike yemasheya kwangoko, endaweni yokujonga utyalomali lwexesha elifutshane, njengoko wawunomnqweno wakho wokuqala, yandisa kwamanye amaxesha amade, ezinje ngephakathi kunye nexesha elide. Ngale ndlela inamandla, uya kuthintela ukuba wenze ukuthengisa okungathandekiyo kumaxabiso entengiso anyanzelisa izohlwayo eziqatha kwingxelo yengeniso yeakhawunti yakho yokonga. Kufuneka utshintshe i-chip ngokweenjongo zakho kwiimarike ze-equity.

Kwelinye icala, ukwenza esi sicwangciso-mali sodwa kuya kukunceda ubone imarike yemasheya ngokwahlukileyo. Ukuzola ngakumbi nangaphandle ungxamiseko oluthile lokugqibezela imisebenzi ngexesha elifutshane okanye elingaphantsi. Ayothusi into yokuba utyalo-mali kwimarike yemasheya kwixesha eliphakathi nelide ngokubanzi zinesiphelo esonelisayo ngakumbi sokukhusela umdla wakho. Kuya kufuneka utshintshe iprofayile yakho njengomtyali mali ophakathi nophakathi ukuyithumela komnye wokhuselo ngakumbi kunangoku. Yinkqubo ephantse ukusilela.

Thatha ithuba lokuncipha kwamaxabiso

ubuyela

Isicwangciso-qhinga sesibini sotyalo-mali onokuthi usenze ukususela ngoku ukuya phambili seso sinento yokwenza ne ukuthengiswa kwempahla. Ukuba ilahleko kwizikhundla zakho ibingakhange iphawulwe kakhulu, uya kuhlala unesibonelelo esifanelekileyo kwaye uthathe ithuba lokubuyela umva ukuze ubuyisele isikhundla kwixabiso. Ungathandabuzi nakancinci ukuba ezi zinto ziphindayo, kungekudala okanye kamva, ziya kuvela ngaxa lithile, nokuba ixabiso likumgangatho ocacileyo wokuhla. Nangona kuyinyani ukuba banokuvela ngamandla amakhulu okanye kancinci, kuxhomekeke kwiimeko zeemarike zezemali. Imalunga nokunciphisa ilahleko enokubakho kwimisebenzi yakho yeemarike zezabelo.

Ingxaki ephambili kuya kufuneka uyenze le nkqubo kwimeko yempazamo ekukhetheni izibambiso kwipotifoliyo yakho yotyalo-mali kukwazi ukuba yeyiphi na kwi-rebound ekufuneka uyifakile i-oda yakho yokuthengisa. Akumangalisi ukuba ucinge umahluko phakathi kwe-5% ne-10% kwibhalansi kwingxelo yakho yengeniso. Ukuza kuthi ga kwinqanaba lokuba ungaphoswa yile nkqubela kumaxabiso ukuba uthatha ixesha elide ukuphumeza esi sicwangciso, kwelinye icala kulula kakhulu ukuba sisebenze. Apho kunganyanzelekanga ukuba ungxame kwixabiso lokuqala kuba oko kukuthi ekugqibeleni ayizukuphulukana ne-euro ekusebenzeni kwintengiso yemasheya.

Guqula ixabiso libe linye

Ayilungelanga le yenye yezona zisombululo zinzima ukuyenza kuba ifuna ukufunda okungakumbi ekusebenziseni kwayo. Kuxa ukhethe ixabiso apho imeko nganye igxunyekwe kuyo Ukudakumba okunzulu Kwaye oko kunokukuthathela ezantsi kakhulu kwisilinganiso sakho kunalapho ukhoyo ngoku. Kule meko, isisombululo kukutshintsha ixabiso lentengiso liye kwelinye elibonisa ubuchwephesha obungcono kwaye ukuba inokuba inyukele phezulu, ingcono kunokuba ngcono. Akumangalisi ukuba kubekho umahluko kwi-euro ezininzi ukuba zikwindawo enye okanye enye kwiimarike ze-equity.

Iya kuthetha kuphela inkcitho encinci eyongezelelweyo kwi iikhomishini zokuthenga nokuthengisa izabelo ngenxa yoku kugqithiselwa kwezabelo kwiimarike zemali. Kuxhomekeke kubungakanani bokusebenza, kunokuba sisixa esiphakathi kwe-30 ukuya kwi-100 ye-euro malunga. Oko kukuthi, kucingelwa ngokupheleleyo kwixabiso lokuqwalaselwa kwaye kwelinye icala uya kulungisa ixesha elifutshane. Akufanele woyike ukubeka esi sicwangciso sotyalo mali kuba udlala imali eninzi kule meko ikhethekileyo.

Yenza ingeniso ngesahlulo

isahlulo

Alithandabuzeki elokuba ezokhuseleko ezihambisa izabelo phakathi kwabanini zabelo zikuvumela ukuba uzikhusele ngakumbi kwizenzo zakho. Kungenxa yokuba nokuba uphulukana nemali kwikoteyishini yamaxabiso ezabelo, ungazithambela ngale ntlawulo kwiakhawunti eyenziwa rhoqo ngonyaka. Nokuba kwenzeka ntoni kwiimarike zezabelo. Ngomdla onqiniweyo kwaye uqinisekisiwe ophakathi kuluhlu ihamba phakathi kwe-3% kunye ne-10%, ngokusekwe kwiiasethi zemali ezikhethiweyo. Ukuze ngale ndlela, ekugqibeleni ingxelo yakho yengeniso ikwindawo entle.

Kwelinye icala, ukuqokelelwa kwezahlulo kuya kunciphisa ukusilela onakho kwimarike yemasheya. Kude kufike inqaku onalo isuse ilahleko phantse ngaphandle kokuyiqonda. Yinkqubo esetyenziswa ngabatyali mali abazikhuselayo kwiimarike zezabelo. Apho umngcipheko umncinci, nokuba kuya kufuneka ukonyuse ixesha lokuhlala ngendlela efanelekileyo. Kananjalo nokukhulisa ibhegi yokonga ezinzileyo yexesha eliphakathi nelide kunye nangaphezulu kolunye uthotho lokuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko.

Ukuyihlawula ngaphandle kwemali

mali

Kwimeko embi, esinye sezisombululo onazo ukusikhawulela okanye ukurhoxisa ilahleko yakho isekwe kwinto eqhelekileyo njengokukuhlawulela kwimbono yerhafu. Kwingxelo yakho yengeniso elandelayo kwaye kuxhomekeke kweyakho ibuyela kwezabasebenzi nakwinkunzi. Ngale ndlela, kulunge kakhulu ukuzibeka ezandleni zomcebisi werhafu ukukukhokela kwinto ekufuneka uyenzile kule meko. Kungenxa yokuba ungalibali ukuba xa ulahlekelwe yimarike yemasheya, awunayo yonke into elahlekileyo. Uhlala unesibonelelo semali ukuzama ukuguqula imeko evele kutyalo-mali lwakho.

Ngelixa kwelinye icala, awungekhe ulibale ukuba le nto inokuba yinto entle kakhulu kunyaka-mali olandelayo ukuba nje ikhatshwa yenye idatha ingeniso kunye nokuncitshiswa ekuhlaleni kwiiakhawunti zakho zobuqu. Ngayiphi na imeko, uya kuba nakho ukubona kweli nqaku ukuba kukho izisombululo zeentlobo ezahlukeneyo zokulungisa le meko inqweneleka kangako kubatyali mali abancinci nabaphakathi. Kwaye ngexesha elithile ebomini bakho kuya kwenzeka kuwe. Ngeziphumo ezinokuba mbi kakhulu ukuba awufikeleli kuhlobo oluthile lwezigqibo zokunciphisa le lahleko kutyalo-mali.

Kwimeko nayiphi na into, kuya kufuneka uhlalutye ukuba ezi lahleko kwiimarike ze-equity zichaphazela isixa esincinci okanye ukuba, ngokuchaseneyo, zinamandla amakhulu. Kuba kwimeko nganye, akukho mathandabuzo okuba uya kufumana unyango olwahlukileyo kwaye inokuba yeyomntu ngakumbi. Kungenxa yokuba ungalibali ukuba ekugqibeleni malunga nokusombulula le ngxaki inzima inokuboniswa kwinani elifanelekileyo labatyali mali. Ngokukodwa, kwezona meko zibalaseleyo kuzo kwaye zinokuthatha amaxabiso abo asezantsi kakhulu kunangoku.


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