Iimali zotyalo-mali ziye zaba yenye yeemveliso zemali ithandwa kakhulu ungaphi ukwenza imali ukonga. Akumangalisi ukuba ayenzelwanga ukuba ibe yimodeli yokonga enye okanye efanayo. Kodwa ngokuchaseneyo, iphuhliswa phantsi kwemida eyahlukeneyo onokukhetha ukuyiphucula ingxelo yakho yengeniso minyaka le. Ukusuka kwii-equity ukuya kwingeniso emiselweyo, kodwa ngaphandle kokulibala enye indlela okanye nezisombululo zemali ukuba lo ngumnqweno wakho. Enye yeenzuzo zayo ezintle kunezinye iifomathi zotyalo-mali ngamathuba amaninzi ekubonelela ngawo ukuba ufumane imbuyekezo efanelekileyo kwimpahla yakho yobuqu okanye yosapho.
Ukusuka kule meko ngokubanzi, akukho nto ingcono kunokwazi ukuba zeziphi iimali zotyalo-mali onazo okwangoku. Ukuze ukwazi ukuyihlalutya kwaye uyiqeshe ngokusekwe kwiprofayili oyibonisayo njengomtyali mali omncinci nophakathi. Ngokuqinisekileyo uya kubona ukuba kunjalo iimali ezininzi kunokuba ubucinga ukusukela ekuqaleni. Nokuba usiya kweziphi na izinto ezinomdla kakhulu ukuya kwezinomdla ukukhusela umdla wakho nangaliphi na ixesha. Ewe awuyi kuswela iimodeli zokufikelela kwesona sigqibo silungileyo ngokuxhomekeke kwimeko yokwenyani yeemarike zezemali.
Ngayiphi na imeko, ngeli xesha unokubona kwimarike a uluhlu olubanzi lweemvelaphi utyalomali lwazo zonke iimpawu kunye nemeko. Ngaphandle kwako nakuphi na ukubekelwa ecaleni ngexesha lokuqesha. Nangona kunzima kakhulu ukufumanisa ukuba zeziphi ezona mali zibalaseleyo kuba yinkcazo ehambelana kakhulu ngokuxhomekeke kwiprofayili yokuba ngamnye wabatyali mali abancinci nabaphakathi banegalelo. Isenokumelwa ngabo basekwe kwizabelo, ngelixa omnye umsebenzisi ikwangabo banamacandelo epotifoliyo yabo yotyalo-mali ezona zibophelelo zimeleyo zengeniso esisigxina yamazwe aphesheya.
Iiklasi zotyalo mali
Okokuqala, kuyakufuneka ubone ukuhlelwa kwezi mveliso zezezimali. Kubanzi kangangokuba unokwenza ngale ngxaki ezinye iingxaki ekukhetheni kwakho. Uluhlu lwezi mali lubandakanya iindlela ezahlukeneyo zokutyala imali oyigcinileyo ukusukela ngoku. Phakathi kwezo zibalaseleyo yimali, ezisisigxina, ezingafaniyo, ezixubileyo, ezomhlaba kunye nengxowa-mali. Kwelinye icala, kukwakho ukwahlulahlula phakathi kwezi ndlela. Umzekelo, kwezi zixubeneyo ezinokubeka iqela labo bazikhuselayo, babe ndlongondlongo, bamodareyitha, bhetyebhetye okanye nokuba kuxhomekeke kulawulo lwayo: iiasethi okanye amatyala.
Akukho namnye ulunge okanye mbi kunomnye. Kodwa ngokuchaseneyo baxhomekeke kwi- iimeko ezichazwe ziimarike zezemali kuwo wonke umzuzu. Ngaphandle-ewe-kwiprofayile oyivezayo njengomtyali mali: ophakathi, onochuku okanye ophakathi. Unemali ezininzi zotyalo-mali kangangokuba awunakukwazi ukuzibandakanya zonke izindululo ezenziwe ngabaphathi. Into emalunga nokuba ubancede ukusukela ngoku. Iya kuba sesinye sezona zicwangciso zisebenzayo lokwahlulahlula ukonga kwindlela esebenzayo ekhusela umdla wakho njengabasebenzisi.
Uqinisekisiwe: ubuncinci bokusebenza
Kukho elinye icandelo elibizwa ngokuba liqinisekisiwe. Ezi mali ziqinisekisa ukuba u Ubuncinci bokufumana inzuzo kwaye ilungiswe minyaka le. Isenokungabi yimfuneko kangako kwiminqweno yakho, kodwa ubuncinci uyakufumana imbuyiselo emiselweyo minyaka le phakathi kwe-3% kunye ne-5% malunga. Ukusuka kula manqanaba uya kuba nakho ukugqitha kwinqanaba lenzala abakunika lona, ukuba ngaba iimeko zobuncinci ziyafezekiswa ezingafezekiswanga kuzo zonke iimeko. Yimveliso efunwa ngabatyali mali abancinci nabaphakathi abafuna ukubonelela ngokhuseleko olukhulu kwigalelo labo lezoqoqosho. Kodwa kuyo nayiphi na imeko, bayakuthintela ekubeni ukwazi ukufikelela kweyona mbuyekezo intle eyenziweyo evela kwiimarike zezemali.
Basebenza ukusebenzisa elinye iklasi lezicwangciso zotyalo-mali. Kwaye zenzelwe ukuba iprofayile yomthengi ichazwe kakuhle. Phi ukhuseleko lukhona ngaphezulu kwezinye iindlela zotyalo-mali. Nangona kunjalo, banokukunqamla ekubeni kwisikhundla sokuthatha ithuba lokufumana iimeko ezilungileyo zeemeko zentengiso yezemali. Nokuba yeyiphi na iasethi eyimali eyenziweyo kwipotifoliyo yotyalo-mali. Kuba, ngokuqinisekileyo, imali eqinisekisiweyo ibhekisa kuzo zombini amakhonkco emivuzo esisigxina kunye nokwahlukileyo. Nakwezinye iimodeli kulawulo lwayo. Ngayiphi na imeko, iya kuba yindlela entsha yokwenza ulondolozo lwakho lube nenzuzo ukusukela ngoku.
Indlela yokulawula imali
Olunye umahluko ekunokuhlulwa phakathi kwazo ezi mveliso zezemali yimodeli yolawulo lwazo. Ngale ndlela, umxholo onomdla ngowokuba umbhali wezezimali, ezo apho umphathi anenkululeko engakumbi xa esenza utyalomali, umgaqo-nkqubo wotyalo-mali ukhululekile. Nangona umahluko ophambili ulele kwiifomathi ezisebenzayo kunye nezenziweyo. Ngokumalunga neyangaphambili, babonakaliswa ngabaphathi ngokwabo abahlaziya ngokweemeko zentengiso. Kwaye umzuzu ngamnye unokwahluka kakhulu. Esinye isixhobo se phucula u msebenzi, nkqu nakwezona meko zimbi zeemarike zezemali.
Ngelixa imali ilawulwa ngokusebenzayo, kwelinye icala, zimile ngakumbi. Kuba bakhulisiwe kwaye baphuhliswa ngeenjongo ezichazwe kwasekuqaleni. Apho ungenako ukuphambuka khona ukuba awufuni kude neendlela zakho zoqobo. Zezona mali zixhaphakileyo onokuzifumana ngokunikezelwa ngoku. Kuzo zonke iifomathi zotyalo-mali zikwakhona. Ukusuka kulawulo olulondolozayo ukuya kolunye olwahlukaniswa ngumngcipheko omkhulu wokuba imisebenzi yabo iquka naliphi na ixesha.
Iimpawu zezazisi zezi mveliso
Ngayiphi na imeko, kwaye kubo bonke, kukho amakhonkco athile ekufuneka athathelwe ingqalelo ukusukela ngoku. Hayi ngelize, kwa le ngxowa mali inye Inokuba neeklasi ezahlukeneyo ngokuxhomekeke kwikhomishini, iimali, ubuncinci botyalo-mali ... Le yinto ebonakalisa nayiphi na ingxowa-mali yotyalo-mali, nokuba injani na. Ungalibali ukuba awufuni ukwenza impazamo enokubiza imali eninzi ukusukela ngoku. Ngokumalunga nekhomishini, banokuba ziindidi ezahlukeneyo: idiphozithi, ulawulo, ukubuyiselwa imali, njl. Kodwa musa ukoyika kuba zonke azizalisekiswa ngaxeshanye. Kwimeko nayiphi na into, unokwandisa ngaphezu kokuthenga nokuthengisa izitokisi kwimarike yemasheya.
Ngayiphi na imeko, enye yeenzuzo ezinkulu zeemali zotyalo-mali kukuba ziyalungelelaniswa kuwo onke amakhaya. Ukususela kwiminikelo encinci ukusuka kwi-500 euro. Nangona kukho ezinye iifomathi ezifuna kakhulu xa unyusa ezi mali ukuya kuthi ga kwi-5.000 okanye nakwi-10.000 yeerandi. Kwelinye icala, unganikwa ikhontrakthi kwiimali zalapha ekhaya okanye kwezinye ezifuna utshintsho ekufuneka uzicinge ngeekhomishini ezongezelelekileyo eziza kwenza umsebenzi ubize kakhulu. Ke ngoko, kuya kufuneka ujonge ukuba ngaba umsebenzi uza kuba yinzuzo kuwe.
Iindlela ezahlukileyo zotyalo-mali
Ayinakulityalwa nokuba ezi mveliso zezezimali unokufumana ezinye izinto ezintsonkothileyo. Ewe injalo imeko xa sizifumana sinemali ye ixabiso lotyalo mali, ukukhula okanye uxube ngokuxhomekeke kubuchule bokutyala abakukhethayo. Zinzima ngakumbi kubhaliso lwakho lokugqibela, kodwa kwelinye icala, inokuyiphucula inzala minyaka le. Kuya kufuneka wabelane ngezi njongo malunga nokuphuhliswa kwesicwangciso esenziwe ngaso. Kungenxa yokuba zibonelela ngeendlela ezahlukeneyo zotyalo-mali, apho kuya kuba yinto eqhelekileyo kuwe ukuba ubonise inkcubeko yezemali enkulu ukuze ukwazi ukusebenza nazo ngeziqinisekiso ezikhulu zempumelelo. Ungalibali ukuba ufuna ukwandisa ukusebenza ukusukela ngoku.
Kwelinye icala, iimali nge Ulwabiwo lwesahlulo. Ukuze ngale ndlela, ube nokubuya okungagungqiyo minyaka le. Ayichaphazeli kuphela imali yotyalo-mali eyahlukileyo, kodwa ikwagxininiswa. Ngenzuzo yonyaka enokusondela kumanqanaba e-5%. Kule meko, kuya kufuneka uthathele ingqalelo ukuba kufanelekile ukutyala imali kwezi modeli zolawulo. Kuba akufuneki ulawulwe kuphela yimbuyekezo abakunika yona minyaka le, kodwa ngamanye amaparameter abaluleke ngokwenene. Ngayiphi na imeko, ayisiyiyo uninzi kunikezo lwangoku oluveliswe yile ntengiso ibalulekileyo yotyalo-mali.
Iimali ze ukubuya ngokupheleleyo Enye yeendlela onokuzifumana ngalo mzuzu. Olunye uphawu kubo bonke kwaye kuqhelekile ukuya kolu lawulo kulondolozo. Ngamaxesha athile ebomini bakho anokuba lolona luncedo kuzo zonke. Ukuya kwinqanaba lokuba yimodare echaphazeleka ngakumbi ziinkampani zolawulo. Okokugqibela, kukwakho nee-SICAVs ezenzelwe ukuba iprofayili yomsebenzisi ifune ngakumbi kwaye ingengabo bonke abatyali mali abancinci nabaphakathi abanokubhalisa. Baza kufuna ulwazi olongezelelweyo oluchaza ukuba lusebenza njani kunye nokwakhiwa kweepotifoliyo zabo zotyalo-mali. Ukuze ufikelele kwisigqibo sokuba iimali ezihlangeneyo ziyimveliso enzima kunokuba ungacinga ekuqaleni.