Ukuba igama labacebisi be-robo liza engqondweni ekuqaleni, ngekhe ungazi ukuba yintoni kanye kanye.
Kodwa ukuba endaweni yeli xesha linzima sithetha nawe ngomphathi ozenzekelayo wotyalo mali, uya kuba sele unombono osondeleyo malunga nentsingiselo yayo yokwenyani. Ekuqwalaseleni ukuba yinto enye, abacebisi be-robo okanye umphathi ozenzekelayo. Kwaye isicelo sikabani siphuhlisiwe ukuze utyale imali yakho kwiimarike zezemali, kodwa ngokwembono eyahlukileyo.
Ayisiyo kuphela ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya, kodwa nakwezinye iimodeli zotyalo-mali. Njengomzekelo, kwi Mutual fund, izicwangciso zepenshini, iziqinisekiso okanye ezinye izinto Kwaye banokukuvumela wenze ukuba usebenze kakuhle oza kuwenza ukusukela ngoku.
Isicwangciso-qhinga sayo sisekwe ekunikezeleni ngengcebiso yezemali kunye nolawulo kwiipotfoliyo zotyalo-mali ngokusebenzisa ubuchule kwaye apho uthatho-nxaxheba lomntu phantse kungabikho. Kuthetha ntoni oku? Ewe, iimpazamo ezinokuthi zenziwe ekuhambeni kwiimarike ze-equity zincinci kakhulu kwaye ngenxa yeli nyathelo uya kuba namathuba amaninzi okwenza ukonga kwakho kubenenzuzo. Ukufikelela kwinqanaba apho imilinganiselo yenzuzo inokuphuculwa.
Elinye inqaku elibonisa umahluko kulo mphathi uzenzekelayo kukuba linokuvelisa iphothifoliyo ye- utyalo mali lomntu kwaye zilungiselelwe iimfuno zokwenyani zabatyali zimali zentengiso. Akumangalisi ukuba inokubanika isisombululo semali abasifunayo nangaliphi na ixesha kwaye nakweyiphi na imeko, kodwa ngendlela ezenzekelayo njengoko ibuthathaka ngakumbi kwizigqibo ezichanekileyo ekufuneka zenziwe kwicandelo lotyalo-mali. Umzekelo, ukuba kungcono ukutyala imali kumacandelo okuzikhusela okanye ngokuchaseneyo, kukho ithuba lokuthatha isikhundla kubuchwephesha obutsha.
Abacebisi beRobo abavela kwi-fintech
Yinkonzo eyenziweyo kutshanje esele inabalandeli abaninzi phakathi kwabasebenzisi kwihlabathi liphela. Ngokuyintloko ngenxa yokutsha kwezindululo zayo ukusukela ukwakhiwa kweepotfoliyo zotyalo-mali zinokwahluka ngokuxhomekeke kubume beemarike ezahlukeneyo zezemali. Kodwa eyona nto ingcono kuzo zonke izinto zayo kukuba ifezekisa le njongo ibalulekileyo ngokuchaneka okukhulu kwaye ke kunokuba njalo ukuphucula iziphumo zokusebenza Ngaphandle kokuba zenziwe ngendlela yobuqu kunye neyabantu. Oko kukuthi, ngaphandle kwegalelo lesi sixhobo kulawulo lwezemali.
Yeyiphi imisebenzi eyenziwa yile nkonzo yezemali yotyalo-mali? Ewe, ngokusisiseko kwiintshukumo eziphambili kwiimarike zezabelo, phakathi kwazo ukuthenga nokuthengisa izabelo kwimarike yemasheya okanye kwezinye iiasethi eziyimali. Umzekelo, izinto zokwenza imveliso, isinyithi esichanekileyo kwaye kwezinye iimeko zichazwe ngokuthe ngqo kwiimali ezikhoyo okanye kwiidigital. Ukusuka kwindlela yotyalo-mali ebalasele ngakumbi kuneefomathi zesiko ebesikade sisebenza ngazo de kube yiminyaka embalwa edlulileyo.
Ezinye zeenzuzo zayo
Kucacile ukuba le yimveliso esondelelene kakhulu notyalo-mali kwaye le yinto enzima kuwo onke amathandabuzo. Kodwa ihlaziyiwe kwiinyanga nje ezidlulileyo de umngcipheko wokusebenza kwayo ulinganiselwe. Ngengqondo yokuba ulindelo lwabatyali mali abancinci nabaphakathi azitshintshwanga kukutshintsha-tshintsha kwezinto kwiimarike zezemali. Kwelinye icala, ayinakulityalwa ukuba enye yeempawu ezichaziweyo zezabelo kukuba bavelisa umahluko omkhulu phakathi kwamaxabiso abo aphezulu kunye nalawo anokufikelela kwi-10% kwiseshoni enye yorhwebo. Ewe, ngalo mphathi u-automated ezi pesenti zincitshiswe kakhulu.
Kwelinye icala, lo mlawuli ukhethekileyo kwaye unolwazi lokuzenzekelayo wenza ukuba kube nakho ukulinganisela iiasethi zemali ezikhethwe ngabasebenzisi okanye abathengi. Oko kukuthi, ibabonelela ngokhuseleko olukhulu xa besenza imisebenzi yabo, nokuba yeyiphi na. Ayilulo ulawulo olusebenzisayo, kodwa ngokuchaseneyo luyasebenza kwaye lubhalwe igama lokwahlula kwezinye iimodeli kulawulo lotyalomali lwabucala.
Imvelaphi yaba baphathi
Ngayiphi na imeko, kwaye ukuqonda kwakho okungcono, kuya kufuneka uye kwimvelaphi yayo ukuze uqinisekise ngcono ukuvela kwayo kwiimarike zezemali. Kuyinyani ukuba ayisiyonto intsha okoko yabakho phakathi kwe-2007 kunye ne-2009, kodwa igqityiwe kule minyaka idlulileyo. Ukusuka kwi2016 Sele iyindlela entsha kubatyali mali ukwenza ulondolozo lwabo lube nenzuzo kunye neziqinisekiso ezinkulu zempumelelo kwaye babenako ukubala kwinkonzo ngezithembiso ezinkulu ezivela kwiinkampani ezijongene nokuthengisa.
Okwangoku ayisiyonto ithandwa kakhulu, kodwa sele kukho abalamli abaninzi abanikezela ngale nkonzo kubaxhasi babo. Ezinye zezona zaziwa kakhulu yi-Indexa Capital, Finizens, Inbestme kunye neFininbest? Kodwa iindaba ezimnandi kubatyali zimali zentengiso kukuba iinkampani ezininzi ziya zisanda. Ukutyala imali eyinkunzi yakho ngenye indlela kulawulo oluqhelekileyo olusebenzayo.
Utyalo-mali lwekamva
Abacebisi beRobo ngoku banokubonwa njengotyalo-mali lwexesha elizayo. Le yinyaniso engenakuphikiswa exhaswa zezinye zezinto zazo ezixhaphakileyo kwaye sele ithathiwe ngabanye Izicwangciso zepenshini eziphantsi kakhulu.
Phakathi kwala mahlelo aqhelekileyo kukho oku kulandelayo sikuveza ngezantsi:
- Iindleko ezisezantsi: ungagcina icandelo elibaluleke kakhulu lenkcitho ezibandakanya ezona nkonzo zakudala.
- Yimveliso efikeleleka kakhulu: ngengqondo yokuba sinokuyiqesha kwixabiso eliphantsi kubatyali mali. Ngokubanzi ukusuka kwi-3.000 yokuvula i-akhawunti kwaye uthathe inxaxheba kwizibonelelo zayo zemali.
- Ulwahlulo olwahlukeneyo: ivumela ipotifoliyo yotyalo-mali ukuba yandiswe kwiimveliso ezininzi zeasethi nakwiasethi. Ngeenjongo eziphindiweyo, kwelinye icala ukugcina ikomkhulu, kwelinye icala ukuphucula iziphumo kwingxelo yakho yengeniso. Ngexabiso elongeziweyo lokuba yonke le nkqubo iya kufakwa kwikhompyuter kwasekuqaleni.