Isilivere yenye yeeasethi zemali ezikhethwa ngabatyali zimali abancinci nabaphakathi abafuna ukutyala imali abayigcinileyo uninzi lweziganeko ezingathandekiyo. Ukuya kwinqanaba lokuba imisebenzi yakho ibe yinzuzo kunye neziqinisekiso ezinkulu zempumelelo kuneemveliso zemali. eqhelekileyo ngakumbi. Ngeepesenti ezinokumangalisa ezona zisindisayo. Nangona kunjalo, eyona nto iphambili ekukhetheni olu tyalo-mali yindlela encinci yokuphuma ukukhetha iindlela zokuthatha izikhundla kule asethi yezemali.
Ewe kunjalo, ukuba eyona njongo yakho ikufutshane kukutyala imali kule ntsimbi ixabisekileyo yokubaluleka okukhethekileyo, uya kuba nobunzima ngakumbi kunezinye izindululo zezemali. Hayi ngelize, kuphantse kube yinto engenakwenzeka yokutyala imali kwisilivere ngebhegi. Zombini kwiimarike zesizwe nangaphandle kwemida yethu. Ngaphandle kokuba ukhethe iinkampani ezisekela ishishini labo kwimigodi enemveliso yazo kule asethi yemali.
Ukusuka kule ndlela yotyalo-mali, kubaluleke kakhulu ukuba uyazi ukuba eyona nto ibalulekileyo kukuba unenye indlela yokuthatha izikhundla kule asethi yezemali ngendlela eqhelekileyo. Ukuza kuthi ga kwinqanaba lokuba ube nokuzisebenzisa iindlela ezingaphezulu kunokuba ubuqhele ukusebenza. Umzekelo, ngokusebenzisa ifayile yakhe ngokudityaniswa nezinye iimveliso ezivela kwingeniso esisigxina. Okanye ngokuthengwa kunye nokuthengiswa kwezabelo zeenkampani zemigodi ezinxulumene nemveliso okanye ukukhutshwa kwesi sinyithi sixabisekileyo.
Isilivere ngengxowa
Enye yeeasethi eziyimali ebeziphuhlisa ezona ntsebenzo zibalaseleyo kwiinyanga ezidlulileyo yisilivere. Baninzi abatyali mali ababuya kwakhona Ingqwalasela yakho kule ntsimbi ixabisekileyo. Ingxaki evelayo kuwe yindlela yokuhambisa olu hlobo lotyalo-mali. Alithandabuzeki elokuba kuya kufuna unyango olwahlukileyo kwicala lakho. Kuya kufuneka ujonge ezinye iimarike, kwaye ude utshintshe indlela osebenza ngayo. Iya kuba nzima ngakumbi kodwa ekugqibeleni ungawufumana umvuzo wakho ngohlobo lweenzuzo ezinkulu. Ngaba uyafuna ukwazi ukuba zeziphi iindlela ekufuneka uvule ngazo isikhundla kwisilivere? Ewe, hlala ubukele kuba siza kuphakamisa izicwangciso eziluncedo kakhulu.
Ukutyala imali kule ntsimbi ixabisekileyo, awuzukukhetha ngaphandle kokushiya imida yethu uye kwiimarike apho kudweliswe khona le asethi yemali. Ngokukodwa e-United States nase-Great Britain, nangona ziphantsi kwee-commissions ezibanzi. Uya kuba noluhlu lweenkampani, hayi zininzi, ezinikezelwe kwimveliso nasekuhanjisweni kwale nto eluhlaza. Isicwangciso-qhinga sakho sotyalo-mali sisebenza ngokufanayo nakwezinye iziqinisekiso, kodwa ukubambelela kumyalelo wokulahleka okomeleleyo kakhulu.
Ngokusebenzisa imali yotyalo-mali
Yeyona ndlela ilula kunye neyona ndlela isebenzayo yokutyala imali kwisilivere. Kuya kufuneka ukhangele kuphela ingxowa-mali enepotifoliyo yotyalomali esekwe kule asethi yemali. Ngokuqinisekileyo iya kudityaniswa nolunye utyalomali. Ukuza kumvuzo oguqukayo, umvuzo oqinisekileyo kunye nezinye iindlela. Ukwahluka kuya kuba lolunye lweempawu eziphambili zeemveliso zemali. Ngale ndlela, kuya kukunceda ngendlela efanelekileyo ukukhusela ulondolozo lwakho.
Iimveliso eziphucukileyo ngakumbi
Ukwanemodeli ezinobundlongondlongo ezinenye yeenjongo zazo kwisilivere. Banokutshintshiselana ngemali kurhwebo, iziqinisekiso, ezinye izinto, njl. Nangona kunjalo, ziyingozi ngakumbi kwimidla yakho ngenxa yoyilo lwabo olukhethekileyo. Unokufumana imali eninzi kuzo, kodwa ushiye i-euro eninzi endleleni. Kwelinye icala, kufuneka ube nokufunda okuphezulu kwezi mveliso kuba ingozi yokusebenza kwazo iphezulu kakhulu, ngaphezulu kwezinye iimodeli zotyalo-mali. Kodwa kuyo nayiphi na imeko, zivumelekile ngokupheleleyo ekuchongeni iintshukumo ezinyukayo zentsimbi exabisekileyo.
Nangona kunjalo, esi sicwangciso sotyalo-mali sithatha umngcipheko ogqithisileyo kwimisebenzi yakho. Ngaphezulu kunokuba unokucinga kwasekuqaleni. Kungenxa yokuba, kuyinyani ngokupheleleyo ukuba unokwenza ukonga kwakho kunenzuzo ngemida ephezulu yenzuzo. Kodwa ngenxa yezizathu ezifanayo, uya kuba nakho ukushiya ii-euro ezininzi kwiimarike zezemali. Ngapha koko ungaphatha kule klasi ikhethekileyo yokusebenza.
Ukusuka kule meko, zininzi iimveliso ezikuvumela ukuba uthathe isikhundla kwisilivere. Ngeendlela ezahlukeneyo nangeendlela. Kodwa enye yezona zinto zibalulekileyo ziziphumo. Ziziimveliso ze umngcipheko omkhulu Kuya kufuneka uyazi kakhulu. Akumangalisi ke ukuba iNational Securities Market Commission (CNMV) ilumkise ngobungozi bayo obukhulu kwaye kufuneka uyazi ukuba yeyiphi imveliso yezemali oyithengayo. Kuba iziphumo kunokuba yile nto ungayilindelanga.
Iimveliso ezinxulunyaniswe nengeniso esisigxina
Enye indlela elula yokutyala imali kule ntsimbi ixabisekileyo kukufaka ixesha. Ewe awudidekanga, nangona le ndlela yokuthatha izikhundla ibonakala ingaqhelekanga. Ewe, ziyimveliso ezinxulunyaniswe nokuvela kwesilivere kwiimarike zemali. Ziyinto yokuba kukho isibonelelo esinamandla kakhulu kumaziko emali. Kuya kufuneka uzinciphise ngokwakho kwinyathelo lezindululo ezithile ezithile kwaye ngokuqinisekileyo ezinomda onokuzibhalisa ukususela ngoku ukuya phambili.
Oomatshini bayo balula kakhulu kuba isekwe kwinzuzo enikuqinisekisa ngayo. Iya kuba phantsi kweembuyekezo ezincinci kwaye kunqabile ukuba badlule kwi-0,50% yamanqanaba. Nangona imbuyekezo iya kubuyela kwimali oyigcinileyo eya kulungiswa kwaye iqinisekiswe. Nokuba kwenzeka ntoni kwisilivere. Ukuze ngale ndlela, uhlala unomvuzo omncinci kwiminikelo yakho yemali. Kuba ngokwenyani, akukho meko uya kuphulukana nayo imali. Akukho neyure enye.
Elinye icandelo lotyalo-mali lelo linesilivere njengebhentshi layo. Ngenxa yexabiso elinokuphawula kwiimarike. Ukuba ufumana uxabiso uya kuxhamla kule meko. Umahluko mkhulu, kokukhona uya kufumana inzuzo ngakumbi ekugqibeleni. Ngesona sigqoko siphezulu apho izibonelelo, ngesiqhelo ichazwe nge-5%. Ukusilela ukwenza njalo, okanye kwimeko yokwehla kwexabiso, akuyi kuchaphazela isikhundla sakho. Oko kukuthi, awuyi kuzuza nto, kodwa ayizukuchaphazela ukunciphisa ixabiso lerhafu ebhalisiweyo.
Izinto eziluncedo zale misebenzi
Olu tyalo-mali lukhethekileyo, olusekwe kwisilivere, lunokukuzisela izibonelelo ezininzi. Kukulungele ukuba ubathathele ingqalelo ukusukela ngoku ukuya kuthi ga kwisigqibo sokuba kufanelekile na kuwe ukuba uvule izikhundla kwezinye zeemveliso zemali esele sizikhankanyile. Ngayiphi na imeko, yindlela yokwenza iingeniso ezahlukeneyo kwaye ezihamba ngamanye amaparamitha kunakwimisebenzi eqhelekileyo. Kuluhlu lwezibonelelo ezimelwe zezi zenzo zilandelayo.
- Yenye yeendlela ekufuneka uziphucule kwizikhundla zakho kwi iimarike zezemali ezibi kakhulu. Ayothusi into yokuba le ntsimbi ibalulekileyo ibithathwa njengendawo ekhuselekileyo iminyaka. Iminyaka. Ukutsala ukuhamba kwemali ebalulekileyo kwezi meko.
- Isilivere yimpahla yexabiso ekubonelela ngayo umngcipheko omncinci kunabanye. Ukufikelela kwinqanaba lokuba ikwazi ukubonelela ngotyalo-mali lwakho ngozinzo olukhulu kunye neziqinisekiso zempumelelo. Njengakwezinye izinyithi ezixabisekileyo (igolide, iplatinam, ipalladium, njl. Unesibonelelo esihle kwezi asethi.
- Unokhetho olulondolozayo lokuthatha isikhundla kwisilivere, ngaphandle kokuchaphazeleka kukuwa kwalo. Njengakwimeko ethile ye- idizithi yexesha. Apho uya kuba nexesha lokuhlala kuphela, ngamanye amaxesha ubude obugqithisileyo. Inokuhlala ukuya kwiminyaka emibini okanye emithathu.
- Kuya kufuneka ukhumbule ukuba ujongene nenye iiasethi zemali ezinamandla ngakumbi Iimarike zezabelo. Ayothusi into yokuba ixabiso lesilivere liguquguqukayo kwaye kunokubakho utshintsho olwenziwayo rhoqo. Umahluko ophawuleka kakhulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi.
- Kuyinyani ukuba ukuba injongo yakho kukutyala imali kunye nokuthengwa kwezabelo kwimarike yemasheya, uya kuba nobunzima ngakumbi kunakwizindululo eziqhelekileyo. Ukufikelela kwinqanaba lokuba kuya kufuneka ubhenele kulo nkampani Ezinxulumene nemveliso kunye nokukhutshwa kwesi sinyithi sixabisekileyo.
- Ukubonelelwa kwezi mveliso ayibanzi kakhulu, kodwa ubuncinci unethuba lokutyala imali kwesi sicelo. Ngamalinge athile aphuhliswe ziibhanki ukwanelisa iminqweno yabatyali mali abancinci nabaphakathi. Njengoko kunjalo kwimeko yakho.
- Ayivelisi iingxaki ezigqithileyo kuwe zokuba utyalomali kule asethi yemali kwaye ungavula izikhundla unemibono encinci yokuba yeyiphi le marike yezemali idweliswe kuyo. Ijolise ikakhulu kwi Izikwere zaseUnited States naseGreat Britain, apho yenye yeebhentshi zotyalo mali olukhulu.
- Awungekhe ulibale ukuba yenye yeendlela ezilungileyo zokutyala imali xa iimarike zentengiso ziphantsi kwemeko yokudodobala koqoqosho. Kwimizuzu ye ukungaqiniseki okukhulu kwezoqoqosho. Kungenxa yokuba, baphendula bhetele kunezinye iiasethi zemali ezikumgangatho ophezulu.
- Kwaye okokugqibela, kuya kufuneka ukhumbule ukuba isilivere inokufumana izibonelelo ezilungileyo kwi intsingiselo evumayo. Kufanele kube ngelo xesha xa kufuneka uvule izikhundla ngeendlela ezininzi onokuzisebenzisa kule simbi ikhethekileyo.