Enye yezona zinto zibalulekileyo kubatyali mali apho bafumana khona imithombo yabo yokuqokelela ulwazi ngezigqibo ekufuneka bezenzile kwiimarike zezabelo. Amaxesha amaninzi ngenxa yokungazi, kwaye abanye ngenxa yokusebenzisa iindlela ezingafaniyo ngokwaneleyo, zikhokelela kukhetho olungafanelekanga, nokuba iyingozi kakhulu kwimidla yakho. Kude kube banokubanyanzela ukuba basebenzise isicwangciso esingalunganga esikhokelela ekubeni bavelise ilahleko ezininzi kwiindawo ezivulekileyo.
Ukuba awunalo ulwazi olwaneleyo lokuqhuba ngempumelelo i-stock market, awuyi kuba nanto unokuyenza ngaphandle kokugxila ekukhangeleni i- imirhumo engcono yengcaciso evela kwii-equities. Kuya kufuneka bazimele ngaphandle kwamathandabuzo, kwaye abayisebenzisi iminqweno yamaqela ezoqoqosho, nkqu neenkampani ezidweliswe kwiimarike. ezezimali
Olunye uphawu ekumele ukuba banalo Imithombo Kungenxa yokuba zizinyibilikisi eziqinisekisiweyo. Ukubala kwiingcali ezigqwesileyo ezinokukunceda wenze ipotifoliyo yakho yotyalo-mali ngempumelelo enkulu. Kwaye nangayiphi na imeko, ukubaleka kulo naluphi na uhlobo lwamahemuhemu ngaphandle kwaso nasiphi na isiseko, esinokubangela iingxaki ezinkulu xa uvula izikhundla kwiimarike zesitokhwe. Ukuvela kunye nokuhamba rhoqo kwiiforamu zedijithali ezingabonisi ubungqongqo kwizimvo nakwizimvo zabasebenzisi.
Fumana olona lwazi lubalaseleyo
Ukusuka kwezi ngcinga apho ungazibandakanya khona kwiinyanga ezizayo, Kuya kufuneka wenze uluhlu olufutshane lweendawo ezilungileyo onokufumana kuzo ulwazi ukumisela izigqibo zakho kwiimarike zezabelo. Ayizubanzi kakhulu, kwaye ayizukuncitshiswa ngokugqithileyo. Ukuba uyaphumelela, ayisiyi kuba ukusukela ngoku uya kuba ngusozigidi, kodwa ubuncinci uya kuba namathuba amakhulu okwenza imisebenzi enenzuzo kwiimarike ngeziqinisekiso.
Ukukunceda ukuba ufezekise ezi njongo zinqwenelekayo, kweli nqaku siza kukubonisa apho kufuneka uye khona ngaphambi kokungena kwintengiso yesitokhwe ukuze ufumane isongezelelo kwingeniso yakho yesiqhelo. Ewe ayizukuba yirisithi yomlingo yokuhamba ngokuthembekileyo kwiipaki, kodwa ubuncinci uya kuba nenketho efanelekileyo yokuhlalutya ukuvela kweentengiso. Iya kukunceda ujonge utyalomali lwakho, kwaye ekugqibeleni, ukungena (okanye ukushiya) iipaki ngexesha elifanelekileyo.
Ulwazi oluqinisekisiweyo lwezoqoqosho
Kwindawo yokuqala, akufuneki uphoswe kukuphononongwa kweendaba ezikhethekileyo zezoqoqosho. Zombini zedijithali kwaye ziprintiwe. Kodwa ukusuka kubungqongqo bolwazi lwakho, kwaye kutheni kungenjalo, kubuchule beengcali zayo. Icebo lokucoca ulwelo liya kuba likhulu ngokwaneleyo ukuba lisuse imithombo yeendaba ethembekileyo, okanye ubuncinci, engasebenzi ngokuzimela kobungcali. Ngeli qhinga lifuneka kakhulu, uya kuba kwimeko yokugcina iindaba ezintsha, hayi kwiimarike zezemali kuphela, kodwa nakwiinkampani ezidwelisiweyo ngokwazo.
Kumajelo eendaba onokuthi udibane nawo, akasileli iingcebiso ezilungileyo kukhuseleko onokuthi uzibhalise kwi-stock exchange. Ayilolize, icinga inkxaso ehambelanayo yokucacisa ipotifoliyo yakho yotyalo-mali ngobunzima bendlela. Unokufumana ukuthelekisa ingcebiso yomhlalutyi ngamnye ekugqibeleni ibe nguye owenza isigqibo ngokusekwe kwezo ngcebiso.
nayo, bakunika uthotho lwegrafu kunye nohlalutyo lobuchwephesha kwindalo yeenkampani eziphambili ezidweliswe kutshintshiselwano lwesitokhwe. Ngenjongo yokuba unokuba nombono uhlengahlengiswe kangangoko ukuze ukwazi ukuqinisekisa imeko yokwenene yezokhuseleko, amacandelo kunye nezalathiso zesitokhwe. Ngale ndlela, olona khetho lufanelekileyo kwimidla yakho kukusebenzisa inkqubo yokunxibelelana, apho unokukhulisa khona umsebenzi wakho wohlalutyo ngokusekwe kukhetho onalo.
Amaqonga edijithali
Ngexesha leenyanga ezidlulileyo, kunye nokuthatha inxaxheba kwimpembelelo ebonelelwe bubuchwephesha obutsha, uthotho lwe amaqonga abasebenzisi yorhwebo, Ezithi zinike umkhondo malunga nokhetho onokukhetha kulo ukwenza ulondolozo lube nenzuzo. Kwaye apho amalungu ezi ntanethi zotyalo-mali oluncinci avelisa khona uluvo lwabo ngexesha lokwenyani malunga neemeko zentengiso yezabelo.
Ayisiyiyo inkqubo enomdla ngokupheleleyo kwimidla yakho, kodwa ubuncinci - ukuba unamava amancinci kwiimarike- iya kukunceda ukuba uphuhlise isindululo sakho sotyalo-mali ngokhuseleko olukhulu. Nokuba kufikelelwe yenza amaqela abasebenzisi ngokusekwe kutyalo-mali lwabo. Ayisiyi kuphela ukuthatha isikhundla kwimarike yesitokhwe, kodwa nakwezinye iimveliso zezezimali (iimali zotyalo-mali, iimali ezithengiswa ngemali, iziqinisekiso, ukuthengiswa kwamatyala, kunye nentengiso yothengiso lwangaphandle).
Ukubhalisela le nkonzo, simahla, baya kufuna kuphela ukuba ugcwalise iphepha lemibuzo elilula kwaye ubonelele nge-imeyile. Nje ukuba le nkqubo ibhaliswe ngokusemthethweni, uya kuba nakho ukufikelela ngalo naliphi na ixesha ngegama eligqithisiweyo oya kulinikwa kwiqonga lezemali, kwaye uya kuba nokufikelela simahla kuyo yonke imixholo yayo, ngaphandle kwezithintelo.
Iiforum zabatyali mali
Sisicwangciso esisetyenziswa ngabatyali mali abanamava amancinci, kwaye nangabancinci. Bazama ukufumana ulwazi lokuphuhlisa ukuthengwa kwezabelo. Kodwa ngeli xesha baya kuba nako ukufumana okuncinci kakhulu, ngaphaya Amagqabantshintshi aphindaphindiweyo kunye nokuthembela okuncinci kunye nokuhambelana kobuchwephesha. Ukusuka kule meko, ayisiyiyo eyona ndlela ifanelekileyo yokukhetha amaxabiso kwintengiso yesitokhwe, okanye ukuhambelana nesigqibo sakho.
Ngamaxesha athile, abanye abasebenzisi basebenzisa ezi foram kwezinye iinjongo ngaphandle kokutyala imali. Kwaye kude kube banokuzama ukukulahlekisa kulwazi olunqabileyo ukuba bazise ngokwamajelo amaninzi ezi mpawu zivunyelwe kwifomathi ekwi-intanethi. Kukulungele ukuba unganikeli ngqalelo kakhulu kubo, kwaye unganaki kangako kubo ukuze bahambisane nesigqibo sakho. Ubungqangi abukho nakweyiphi na kuzo, kwaye kungcono ulibale malunga nesicwangciso esingahambelaniyo.
Ulwazi oluvela kwibhanki yakho
Ayithethi nto ukuba owona mthombo wolwazi ubalaseleyo okwangoku ngulowo weengcali eziyinyani kule ndawo yeshishini. Ngale ndlela, yeyiphi indlela ebhetele kunokuya kwibhanki yakho yesiqhelo. Kwisandle esinye, Ukutyelela amasebe ebhanki, Apho baya kuba nakho ukukwazisa, hayi kuphela ngamathuba amahle otyalo-mali, kodwa ikwayeeziphi ezona mveliso zezezimali zibalaseleyo ezisekwe kwiprofayili yakho njengomthengi. Ngaphandle kwendleko zoqoqosho, kuba ziya kufuna kuphela ukuba ube ngumthengi weziko, akukho nto iyenye.
Iibhanki, kwelinye icala, zinamaphepha ewebhu akumgangatho ophezulu anikwe amandla, apho inkonzo yotyalo-mali ifakiwe kwizibonelelo zazo. Kuthotho lwamacandelo aya kuba luncedo olukhulu ekutshintsheni imali oyigcinayo: iikhomishini, iingcebiso, iipotifoliyo zemodeli zotyalo-mali, ukuvela kwemarike yemasheya, njl. Olu lwazi luchanekile kwaye luyathelekiswa, eya kusebenza njengesixhobo esiluncedo kakhulu ekuthengeni nasekuthengiseni izabelo kwiimarike. Okanye ukufikelela kwezinye iimveliso ezinobunkunkqele.
Iingcebiso zemvelaphi engathandabuzekiyo
Ngelishwa, kukho inani elihle labatyali zimali abancinci nabaphakathi abasalawulwa ngendlela engathandekiyo, kwanendlela yakudala, engenye into ngaphandle kwelizwi lesintu "lomlomo". Ukuthobela iingcebiso zabahlobo kunye nezosaphoNgaphandle kokufumana uqeqesho kwimarike yesitokhwe, kunye noqoqosho oluncinci. Kwaye kulangazelelo lwabo lokunceda bacebisa ukutyala imali kwixabiso elinye okanye kwelinye. Ukuba bayakwenza, umsebenzi unokuhamba kakuhle, kodwa ihlala iyipasipoti yokuvelisa iingozi ezingeyomfuneko.
Ungaze uyamkele naphantsi kwazo naziphi na iimeko uphazamiseko oluvela kumntu wesithathu ukuphuhlisa ipotifoliyo yotyalo-mali, kwaye kuncinci xa benolwazi oluncinci kunawe. Ayilolize, yimali yakho ongcakazayo. Kude kube yiminyaka embalwa edlulileyo, yayisisiqhinga esiqhelekileyo phakathi kwabatyali zimali ngoqeqesho oluncinci. Kodwa ngenxa yokuvela kweendlela ezintsha zolwazi, inyamalale njengesixhobo sokuthatha isikhundla kwizabelo.
IiFowuni zokusebenza
Ukuphuhliswa kwetekhnoloji entsha kuyachaphazeleka kubudlelwane babatyali zimali abancinci ngemithombo yolwazi. Ngale ndlela, izicelo ezitsha neziya zisiba ziintsingiselo ezibonakalayo ukuba unokuzikhuphelela simahla kwiselfowuni yakho. Zinxulumene nehlabathi lotyalo-mali, ngakumbi kwiimarike zesitokhwe. Ukuququzelela, kwiimeko ezininzi, ukufikelela kulwazi kunye nomxholo onxulumene necandelo lemarike yemasheya.
Ukusuka kule meko intsha, kuvulwa amajelo amatsha okwenza ukuba kusebenze ngokusesikweni iselfowuni ohleli unayo ecaleni kwakho. Ukongeza, inedatha kwindaleko ye iimarike zezemali zexesha langempela. Ayisiyiyo kuphela kwiimarike zesizwe, kodwa nangaphandle kwemida yethu. Kwaye ukuba kwiimodeli ezihambele phambili kunatyiselwa kolunye utyalomali oluthe ngqo: izinto zokwenza izinto, iimali, izinyithi ezixabisekileyo, njl.
Kwaye nakweyiphi na imeko, inokuba sisixhobo esihle kakhulu sokwenza ngokusemthethweni imisebenzi xa ungekho ekhaya okanye emsebenzini. Umzekelo, ekhefini, kuhambo olude, okanye kumbhiyozo wentlalontle okanye wosapho. Eyona nto iphambili kuyo ilele kubunzima bezinye izicelo, eziza kuthatha ixesha de uqonde ukusetyenziswa kwazo.
Ngakumbi nangakumbi abasebenzisi, ngakumbi abo baphuma kwicandelo lolutsha, bakhetha le nkqubo intsha yokuphucula isikhundla sabo sokuthatha inxaxheba kwiimarike zezabelo. Kwaye kuyo nayiphi na imeko, ngaphezulu kwezinye iindlela ezizezinye ezinikezwe kolu lwazi