Umgaqo-nkqubo wezemali wabasemagunyeni kwezoqoqosho wenza ukuba kube nzima ngakumbi kwabona batyalo-mali bazinzileyo kwiimarike. Phakathi kwezinye izizathu, kuba iyinciphise kakhulu inzuzo yengeniso esisigxina ngokubanzi. Ukuyithatha iye kumanqanaba angafane kubonwe kule minyaka idlulileyo. Apho kuya kusiba nzima ngakumbi kudlula kwimida yenzuzo ngaphezulu kwe-1%. Ukuza kuthi ga kwinqanaba lokuba awunandlela yimbi ngaphandle kokubeka emngciphekweni xa uvula izikhundla zakho kwiimarike zemali.
Ngeli xesha, ukukhetha iibhondi zesiko akusafani nengeniso nangayiphi na indlela, kwaye kungaphantsi kwezinye zezona zibalulekileyo. Ayothusi ke into yokuba uninzi lwabahlalutyi bezemali bekhetha iinyanga ezimbalwa ezizayo ezinye iimveliso. Akumangalisi ukuba sesona sicwangciso sisebenzayo ekufuneka uphucule imbuyekezo onokuthi usifumane kulondolozo lwakho ukusukela ngoku. Asikho esinye isisombululo okanye mhlawumbi zimbalwa kakhulu ezikhoyo.
Ukusuka kule meko eyenzeka kutyalo-mali oluthile, ngalo lonke ixesha uya kuba nobunzima ngakumbi. Akwanelanga ukwamkela izindululo ezisekwe kubulungisa. Kuyimfuneko ukutshintsha isicwangciso, ngaphezulu kwamanye amaxabiso kuhlalutyo lwakho. Kangangokuba ulwabiwo lwesiqhelo lweeasethi kwiiphothifoliyo zezicwangciso zepenshini aluyi kuba njengoko belinjalo kude kube ngoku. Ukuba akunjalo, kuya kufuneka utshintshe kakhulu. Kuya kufuneka uqale ukuhlala nale meko intsha kwiimarike zezemali.
Iimodeli ezizinzileyo
Ewe kuya kufuneka benjenjalo zilungele abatyali mali bakho ukuba ufuna ukufumana into entle kwintsalela yonyaka. Nokuba sekuza iminyaka ukuba le meko iyaqhubeka kwiinyanga ezimbalwa ezizayo. Ngayiphi na imeko, kuyinyani ukuba awunakukhetha ngaphandle kokucinga ukuba ufuna ukuphumelela kutyalo-mali lwakho. Nokuba ungubani na ngaphandle koluphi na uhlobo lokusikelwa umda, njengoko unokuthelekelela kula maxesha achanekileyo. Yiyo le kwaye ayikho enye into onokuyenza, kwilishwa lakho.
Ukusuka kwimbono yotyalo-mali kwezona profayili zolondolozo, izikhokelo zamanyathelo zithatha iindlela ezimbini. Kwelinye icala, kwii-equity kwezona zikhuselayo zikhuselekileyo. Zizinzile, zinokungazinzi okuncinci kwaye zibonelela nge- ulwabiwo oluzinzileyo kunye oluqinisekileyo minyaka le. Ngesivuno onokufumana malunga ne-5% njengentlawulo ephakathi. Lukhetho apho uninzi lwabasindisi babuyele kulo. Kwinxalenye elungileyo yeziganeko ezivela kwimveliso zebhanki ezihlala zihlala. Amanqaku ezithembiso zenkampani, iidipozithi zexesha kunye neebhondi, phakathi kwezona zichaphazelekayo.
Kwaye kwelinye, eyona mali ikhuselekileyo yotyalo-mali. Kule meko, bavela kwiimodeli zengeniso emiselweyo, kodwa ngokuya bexubekile. Ukudibanisa nezinye iiasethi zemali ukuzama ukuphucula intsebenzo enikezelwa ziimodeli ezichazwe ngaphambili zokonga. Injongo yabathathi-nxaxheba lixesha lokusisigxina kwixesha eliphakathi okanye elide. Kuxhomekeka kwiimpawu ezinikezelwa yiprofayili yakho. Ukongeza, enye yeenzuzo zayo kukuba unezindululo ezininzi onokukhetha kuzo. Ngaphezulu kwezinye iimveliso zezemali. Nokuba yeyiphi na imeko abavela kuyo.
Ukuncitshiswa kweephothifoliyo zengeniso esisigxina
Enye yeendlela kwiipotifoliyo zabatyali zimali kukuba ubukho bengeniso esisigxina bunciphile ngokuthanda elinye iklasi lamaqhinga. Kuba ngapha koko, awungekhe ulibale ukuba ezi asethi zemali ndizibonile izikhundla zabo zincitshisiwe kwiipotfoliyo zotyalo-mali zabagcini. Njengokuba kunqabile ukuba bakhule ebomini babo kwaye ngenxa yokuncipha kwiziphumo zengeniso esisigxina. Ngeendlela ezahlukeneyo kwizikhundla zabo kude kube kutshanje.
Ukusuka kule meko ngokubanzi, imeko yangoku phakathi kwabatyali mali abancinci nabaphakathi kukuba ulwabiwo lufane ngakumbi nolweYurophu. Ngale ndlela, ubukho bengeniso esisigxina buyacuthwa ngenxa yezinye iintlobo zeeasethi, ezinje ngolunye utyalomali. Esinye sezixhobo ezimbalwa abanazo zokuphucula ukusebenza kwabo kwezona ndlela zilondolozekayo. Kwaye ikwasebenza ngokukuko kwimozulu entsha ebonakalayo kwilizwe elisoloko linzima lemali.
Amacebo amatsha phakathi kwabatyali mali
Alithandabuzeki elokuba iintshukumo zebhanki cUkunyanzelwa kwiminyaka yakutshanje kukhokelele ekubeni sifune amatsha mathuba. Ukubonakaliswa kuthotho olutsha lwezindululo zezemali, apho kuthathwa umngcipheko omkhulu kwiintshukumo zeemarike zezemali. Kodwa ekupheleni kosuku, kuphela kwento onokuyenza ukuze ungoneliseki ngumdla omncinci onokufumana kuwo umvuzo ozinzileyo. Ukuya kwinqanaba lokuba awuzukukhetha ngaphandle kokukhetha ezinye iindlela ezinxulumene nemali.
Abakho abahlalutyi abambalwa kwiimarike zezemali abalumkisa ukuba uninzi lwenzuzo kwipotifoliyo yolondolozo luvela kwisandla sengeniso esisigxina kwiimveliso zayo ezahlukeneyo. Kodwa inyani kukuba iminyaka eliqela, le meko ayisazinzi. Ukuya kwinqanaba lokuba awunakukhetha ngaphandle kokutshintsha okanye ukuguqula ipotifoliyo yotyalo-mali okanye ukhuseleko. Ukuyiqhelanisa nenyani entsha ebhengeziweyo kwizikwere zetyala kwihlabathi liphela. Ayothusi into yokuba uya kunyanzelwa ukuba uthathe ezi nyathelo ukuphucula umdla wakho kwimida.
Ezinye iindlela azisoloko zinyuka
Ngayiphi na imeko, awungekhe ulibale ukusukela ngoku ukuba ngokutyala imali oyigcinileyo kwezinye iimveliso awunyanzelekanga ukuba uzenze zibe nesisa ngakumbi. Kungenxa yokuba, le meko inqwenelwa ngabatyali mali ayisoloko izalisekiswa. Phi kuya kuxhomekeka kwiinguqu ezininzi kutyalo-mali Kwaye ke nethamsanqa. Isitshixo sokwenza imisebenzi enenzuzo ilele ekukhetheni elona xesha lilungileyo kwimveliso nganye yezemali yezi mpawu.
Ngayiphi na imeko, awusoze ulibale ukuba ezi modeli zotyalo mali azisoloko zisisisombululo sisiso kwiimfuno zakho zezemali. Kungenxa yokuba, ayinyuki ngalo lonke ixesha. Kwaye ngokuchaseneyo, kude kube banokuvelisa ukukhubazeka Kwipotifoliyo yakho yotyalo-mali ebangela ukuthandabuza kwimeko yokwenyani yeakhawunti yakho yokutshekisha. Kuba bacinga umngcipheko onxulunyaniswa nokuthatha isikhundla kwezinye zoyilo lwabo.
Kungenxa yokuba ibizwa ngenye indlela
Iimveliso zezemali ezisekwe kwiiasethi ezithile zezo zenza olunye utyalomali. Bavela kwezinye iimodeli kwaye ngamanye amaxesha bagcina umohluko omkhulu ngokubhekisele kwiindlela ezininzi okanye ezingaphantsi eziqhelekileyo. Ziingxowa-mali ezichanekileyo ezizezona zibambe ezona ntengiso zezezimali. Ukunikezela ngokungapheliyo kwezindululo ezihlengahlengisiweyo kuzo zonke iiprofayili ezinokuthi njengesisindisi onokuthi uzinike la maxesha achanekileyo.
Olu khetho lukuvumela ukuba wenze imali yakho ibe nenzuzo nakwezona meko zintle zomdla wakho. Kude kwiindlela zemveli ngakumbi Utyalo-mali kwaye oko kwenza ukuba ukwazi ukubakho kwiimarike zezemali ezininzi. Nokuba abo babengazange bakuthathele ingqalelo ukungena kwakho. Kungenxa yokuba ikunika ukuguquguquka okukhulu kokwenza imali ngeeasethi zakho. Unezindululo ezininzi zokumisela ngokusesikweni olu hlobo lwezinto ezizodwa kunye nemisebenzi ethile yobugcisa.
Inokusetyenziselwa zombini ezona zinto ziphambili kunye nezincedisayo. Kungenxa yokuba kumacala omabini enza umsebenzi wawo ngokusebenza ngokukodwa. Nangona ezinye zazo zinokufuna inqanaba eliphezulu lokufunda ukuze usebenze ngokuchanekileyo kwaye ekugqibeleni ufezekise iinjongo zakho. Ngayiphi na imeko, awuyi kuba nakho ukulindela ukubuya okugqithileyo, njengokunye okunikezelwa ziimveliso ezivela kwizabelo. Ukuba ayisiyiyo kuphela yokwenza imbuyekezo eyamkelekileyo kwimizamo efunyenwe kwintsebenzo yomsebenzi wakho. Akuncinci, okwangoku kwimeko yangoku yotyalo-mali ngokubanzi.
Ulandela ntoni emva kotyando?
Ewe kunjalo, eyona nto ibaluleke kakhulu xa usenza olu hlobo lomsebenzi kukufumana. Zininzi kwaye zahlukile ngokwendalo kwaye phakathi kwazo kukho oku kulandelayo.
- Ukubetha imida ingeniso esisigxina inokunika ingxelo ngoku. Ngokusebenzisa iimodeli ezintsha ngakumbi kunokuba ubuqhele ukuzisebenzisa
- Zama ezinye iimodeli zolawulo eziza kubakho kwiimeko ezininzi entsha kraca kuwe kwaye oko kunokukunika uvuyo olungaphezulu kwesinye. Inokukunceda ufumane ukufunda okungakumbi ekusebenzeni.
- Ayinqweneleki ukuba uzinikele iminikelo emininzi kwezoqoqosho kule misebenzi. Kodwa ngokuchaseneyo, kunokuba nokwanela ukuxhasa ezona mali zisisiseko.
- Awunakho ukulibala ukuba amathuba amatsha eshishini avulelekile kuwe kude kube ngoku, ungalindelanga. Kuya kufuneka uzibeke kwisicwangciso esihle ukuzama ukwenza ukonga kunenzuzo.
- Le ntshukumo ineyona ndlela isebenzayo kuyo iimeko ezintle kwiimarike zezemali. Ukuza kwinqanaba lokuvelisa inzala nakula maxesha onyaka.