Akukho mntu uthandabuzayo ukuba intengiso yengxowa-mali Enye yezona zinto zisebenza ngoku kwi-panorama yezemali. Ezinye zihlala zihlaziywa, ezinye ziyavela, kwaye nangayiphi na imeko ayisiyocandelo le-static, kodwa lilawulwa kukutshintsha kweemodeli zotyalo-mali, kubandakanya nezalathisiweyo. Yonke imihla unokufumana ifomathi eyahlukileyo apho unokwenza khona ukugcinwa kwakho kunenzuzo ngenye yeemveliso ezidumileyo phakathi kwabasindisi abancinci.
Iimali zesalathiso zezinye zeefomathi ezintsha eziveliswe yimarike yezemali, kwaye ezinokuba sisixhobo sokukhusela umdla wakho kwiimarike zezemali. Le yingxowa-mali entsha, kwaye ngendlela entsha, leyo inokukuzisela izibonelelo ekuqeshweni kwakho. Nangona kuya kufuneka ukuba uxabise iingxaki ezinokubakho, ezikhoyo. Kwimeko apho ekugqibeleni ukhetha le modeli yotyalo-mali.
Okokuqala kuya kufuneka uyazi ukuba yeyiphi imali yesalathiso, njengoko iyimveliso esandula ukwenziwa. Ewe, ziimali ezo phinda ngokuthe ngqo isalathiso sesitokhwe. Isenokuba yesizwe, yaseYurophu okanye eyamazwe aphesheya. Kumaxabiso wetekhnoloji, okanye esekwe kwezo kubhekiswa kuzo kakhulu. Intsimi yayo yokusebenza ibanzi kakhulu, ayikhawulelwanga kwintengiso enye yezabelo.
Iimpawu zengxowa mali yesalathiso
Lo ngumahluko osisiseko wokwahlula kwabanye imvelaphi ezingafakwanga kwizalathiso. Ezi zihlala zinokuphambuka kwicandelo okanye kwisalathiso apho zinxulunyaniswa khona. Kwaye kwezinye iimeko banokufikelela ngaphezulu kokuphambuka okubonakalayo, kwaye kwiimeko ezininzi zijikeleze i-10%. Kwisalathiso, ngokuchaseneyo, le meko ayenzeki. Kodwa phawula uguquko olufanayo kunye nezalathiso zesitokhwe esiphindaphindayo. Akukho mahluko phantse, kwaye ukuba ukhona, awubalulekanga kangako.
Olunye uphawu olwahlukileyo kwezi mveliso zokonga kukuba azidibananga nezinye iiasethi zemali, kuphela kwii-indices zemarike eziphambili, nakweyiphi na indawo yehlabathi. Ngesi sizathu silula, kulula kakhulu ukuba baqonde kwaye bafikelele kwinani elikhulu lababukeli abangenayo inkcubeko ephezulu kakhulu yezemali. Abafuni, ke ngoko, ulwazi olukhethekileyo Ukusebenza nabo, njengakwezinye iimveliso zezezimali nezeebhanki.
Ngale ndlela, ukuba utyale iiasethi zakho kwingxowa-mali yezi mpawu, kwaye unxibelele umzekelo kwi-Ibex 35, kungalula kakhulu ukukuqonda ukuvela kwayo. Ukuba isalathiso somgangatho wesizwe sivelise ngokutsha iipesenti ezili-10, oko kuya kuthetha ukuba iya kuba sisixa oza kusizuza ngale modeli yotyalo-mali. Ngaphandle kweengxaki ezinkulu, njengoko unokufumana kwezinye iimali zotyalo-mali, ezinxibelelene nezinye iiasethi zemali.
Ukulula kunye nokwenza lula kweemodeli zayo yeyona nto iphambili kwisicwangciso sayo sokufumana inzuzo eyinkunzi ngokuthatha kwakho inxaxheba kwingxowa-mali. Akukho mali ifihliweyo, Akukho shicilelo luhle kwisivumelwano. Kuya kufuneka uyazi xa unqwenela ukwenza enye yezi mali zotyalo-mali kwiinyanga ezizayo.
Iikomishini ezisezantsi
Kodwa ukuba ezi mveliso zahlulwe yinto, kungenxa yeendleko ezisezantsi ekufuneka uzithwele. Kuba, enyanisweni, baphethe iikhomishini ezingabizi kakhulu kunemali yotyalo-mali eyaziwa njengeqhelekileyo. Imida yayo yorhwebo ihamba ngebhanti emxinwa kakhulu ephuma kwi-0,50% ukuya kwi-1,00%, Kuxhomekeka kwifomathi ekhethiweyo. Kwaye nakweyiphi na imeko, ixabiso eliphantsi kunelo lingeniswe kwisibonelelo semveli.
Kuqhelekile ukuba nayiphi na ingxowa-mali yotyalo-mali, kunye nesambuku seekhomishini ezininzi ezibandakanyiweyo, inokufikelela kwi-2% yale nto, ubuninzi abanokuthi bababize abathengi. Kwimeko yesalathiso semali, hayi, kuba ubuninzi obunokuchaphazela iakhawunti yakho yokujonga kukuhlawula iipesenti ezi-1 kwiikhomishini. Kuya kuba ngumahluko oya kuqala ukuwubona epokothweni yakho ngokukhawuleza nje ukuba ubhalise.
Ngelixa imali yotyalo-mali yemveli inokubandakanya iikhomishini ezininzi, inye kuphela kwimali ekhompyutheni. Ukuqulathwa kweenkcitho, ke, yinto enokuthi ikhokelele ekukhetheni kule klasi yeemveliso zezemali ezenziwe ukuphucula imeko yeakhawunti zakho.
Ubuchule kwinkqubo yokuqesha
Enye into ebaluleke kakhulu ekufuneka uyazi ukuba ukuqeshwa kwemali yesalathiso yenziwa kuphela kwi-intanethi, kwi-Intanethi, kamnandi ekhaya okanye kwenye indawo. Ngaphandle kokuya kuyo nayiphi na iofisi okanye isebe. Oku kuyakwenza ukuba inkqubo ibe lula ngakumbi kwaye ibhetyebhetye, kwaye ungayenza nokuba ibe semthethweni nangaliphi na ixesha losuku. Kubandakanya, kwelinye icala, ukupheliswa kweendleko zemali ezibonakaliswa ziikhomishini zayo.
Njengoko iyimveliso ekwi-Intanethi, ibandakanya izibonelelo kunye nezinto ezingalunganga zolu hlobo lwesivumelwano, kwaye unokuyiqinisekisa ngezinye iimveliso zebhanki: iidipozithi zekota, ikhredithi, i-inshurensi, njl. Nokuba yeyiphi na indlela, ngaphandle kokuphosa i- inkonzo yabathengi, apho unokwenza khona ulawulo olupheleleyo lotyalo-mali lwakho. Ke, ukuze ucacise nawaphi na amathandabuzo onawo malunga nengxowa-mali.
Njengempazamo ethile, inyani yokuba isithembiso sisabanjisiwe, kwaye zininzi iimodeli ezinqongopheleyo kwizindululo zokuba sisininzi. Akumangalisi ukuba ungenazo iimveliso ezininzi onokukhetha kuzo, uninzi lwezi mali zifana kakhulu kwizindululo zabo. Ngokungafaniyo neengxowa mali zotyalo-mali ezinemodeli zotyalo-mali ezilungelelanisiweyo kuzo zonke iintlobo zeeprofayili: ziindlongondlongo, ziyalondoloza, ziphakathi, njl.
Ngubani othengisa ezi mveliso?
Enye yeengxaki eziphambili kuya kufuneka uziqeshe kukubonakala okuphantsi kweenkampani eziphetheyo ekunikezelweni kwezalathiso. Aqhelekanga kuthengiswa ziibhanki, kwaye kuya kufuneka uye kumaqela otyalo-mali nakumaqonga ezemali abandakanya ukubonelelwa kweshishini labo. Ngokwesiqhelo azikho zininzi, kwaye kuya kufuneka ubhalise kwabambalwa abonikezela ngesindululo sotyalo mali.
Ngamanye amaxesha, kunjalo yamaqonga amancinci ongenasalathiso kuwo, kwaye kufuneka uphande ukuba bakulungele na ukusebenzisa lo msebenzi wezezimali. Kuba ungabaleka ungene kwibar yezemali ekuthengisela ezi mveliso. Ngaphandle kwaziphi na iimeko kufuneka uyamkele imiqathango yabo, ngenxa yeenzuzo ezininzi ezikubhengeza kwiimeko zabo zesivumelwano.
Ukungabikho koqhakamshelwano lomzimba nabaxhasi nako kunokuba yingxaki enkulu ekukhuseleni umdla wakho njengomthengi. Hayi lilize, iya kuba yimali eninzi oza kuyityala, kwaye kuya kufuneka ukuba uqinisekise ukuba ezi nkampani zezemali kufuneka zibonelele. Ngoyena solvent kuphela uya kufaneleka ukuba umthembe. Lumka kwabo benziwe ngobushushu bemali, ngaphandle kokuba ube nanto icacileyo malunga nolwakhiwo lwayo, kuba yeyiphi imidla abayikhuselayo.
Ekupheleni kosuku yimali yakho esesichengeni, kwaye Kuya kufuneka ungazami kumaqonga angakuniki siqinisekiso. Ukongeza, kuyakufuneka ukuba ubaxelele ukuba kwenzeka ntoni ukuba ufuna ukusebenzisa imali yakho. Iya kuba yinto ebaluleke kakhulu ukuba uyithathele ingqalelo, ngenxa yokunqongophala kwemali onokuyiphucula kwezi nyanga zilandelayo: iintlawulo zerhafu, ukuhlawulwa kwemali mboleko, isikolo sabantwana, kwanenkxaso mali yeholide yakho elandelayo.
Iingcebiso malunga nokubhalisa kwisalathiso
Ukuba, ngaphandle kwayo yonke into, injongo yakho kukufumana ikhontrakthi kwenye yezi mveliso, ngekhe kube buhlungu ukungenisa izikhokelo zokuziphatha eziza kuba luncedo kakhulu ngexesha lakho njengomtyali mali omncinci kwingxowa mali. Kwaye oko kuya kuqala kwezi zenzo zilandelayo sikubhengeza ngezantsi.
- Jonga ukuba iqonga elijongene nokuthengisa ezi mali ibhaliswe ngokufanelekileyo, kwaye ikunikeze ezona ziqinisekiso zibalaseleyo. Kukulungele kakhulu ukuba unyamezele kulo mbandela ukuba awufuni ukuzibona untywiliselwe kwenye ingxaki.
- Isithembiso osifumeneyo siyakuba ngaphantsi kakhulu kunezinye iimveliso zemali, ezinezindululo ezinqongopheleyo, kwaye ukuya kuthi ga kwinqanaba elithile, ziphindaphindwe ngokweemodeli zesivumelwano.
- Ukulula kweefomathi zayo kunokukunceda ukwazi ngalo lonke ixesha imali oyirholayo (okanye oyilahlekayo) kutyalo-mali lwakho, kunye nogcino-zincwadi olufikelelekayo ngakumbi kuyo yonke intshukumo.
- Ukuba ufuna ukudibanisa ukonga kwakho nezinye iiasethi zemali, kuya kuba ngcono ukuba ungaziqeshi ezi mali, kuba awuzukuzibona zaneliseka. Unazo ezinye iindlela zokuhlangabezana nezi njongo.
- Ugcino oya kuthi ube nakho ukulifumana liza kubakho ngakumbi, kwaye loo nto inokucandwa ngesiqingatha xa kuthelekiswa nezinye iimveliso zezezimali, nkqu neempawu ezifanayo. Kodwa ngaphandle kokuqinisekisa nakweyiphi na imeko ukusebenza.
- Ngokuqinisekileyo yimveliso yakutshanje, ethi isekwinqanaba lokwandiswa, kwaye ke ngoko inezikhewu kubume bayo. Kodwa hayi ngenxa yesi sizathu, ikwimeko yokuphucula isikhundla sakho kwiimarike zezabelo.
- Ngokuqinisekileyo awazi, kodwa ujongene nemodeli engaphucukanga, yona Zenziwe phantsi kweemeko zemveli ezingaphezulu kunokuba bekulindelwe ngabanye babatyali mali abancinci nabaphakathi.
- Kwaye okokugqibela, ngaphambi kokubhalisa kuya kuba yimfuneko uxelelwe ngokuchanekileyo ngokusebenza kwayo, nkqu neenkampani zolawulo ezizisungula kwintengiso minyaka le.
Ukuba uyavumelana nazo zonke ezi ndawo, iya kuba lixesha lokuba uye emsebenzini, kwaye ufumane ezona fomathi zibalaseleyo, zomsebenzi wabo kunye nokuthembeka kwamaqonga anoxanduva lokusa kumamkeli wokugqibela. Kwaye ayingomnye umntu ngaphandle kwakho.
Kuya kuba kubalulekile ukuba ukhethe intengiso eyinjongo yeebango zakho. Akunakufuneka ushiye imida yethu, okanye ngokuchaseneyo, uye kowona mmeli ubalaseleyo kwihlabathi liphela.