Isahlulelo sentlawulo esenziwa ziinkampani kubanini zabelo njengesiphumo senzuzo eveliswe yimigca yeshishini labo. Ikwayenye yezinto eziguquguqukayo apho amawaka kunye namawaka abatyali mali ajonge ukwenza ipotifoliyo yotyalo-mali. Kungenxa yokuba bonelela ngomsebenzi oqala kwi-3% ukuya kwi-8%. Kodwa eyona nto inomdla kwiindlela zakho kukuba ungasebenzisa iindlela ezahlukileyo zokuxhamla kule ntlawulo ibonelelwe ngezinye zeenkampani ezidweliswe kwiimarike zezabelo. Ngokuqinisekileyo ufuna ukubazi ukuba bazisebenzise ngoku ukusukela ngoku.
Enye ye buchule Ukukhethwa ngabagcini kukwenza izahlulelo zengeniso esisigxina ngaphakathi kokungafaniyo. Nokuba luluhlu luni na kwimarike yemasheya. Ndiza kukunika Inzuzo ephezulu kunaleyo ivela kwiimveliso zebhanki eziphambili (iidipozithi zexesha, iiakhawunti ezihlawulelweyo, amanqaku ezithembiso, njl. Ezi modeli zokonga kunqabile ukuba zidlule kwi-0,50% ekusebenzeni. Ukongeza, ngezahlulelo uya kuba nengeniso esisigxina kunye neqinisekileyo ngonyaka. Ukunceda ukugcina ukugcinwa kweakhawunti yakho yokujonga, ngaphezulu kwezinye izinto eziqwalaselweyo.
Enye yeendlela zokuziphatha onokuthi ube nazo ngezi ntlawulo ziqhelekileyo kukusebenzisa ithuba lokunyuka kwamava ezabelo zabo kwiintsuku eziphambi kokuhlawulwa kwabo. ukulahla utyalo-mali. Esi sisicwangciso esintsonkothileyo esisetyenziswa rhoqo ngamanye amaxesha ngabatyali mali abanamava ngakumbi kwiimarike zezemali. Abayijonganga le ntsebenzo, kodwa eyona nto bayifunayo kukwenza inzuzo ngokusebenza kwabo ngazo zonke iindleko. Nakule ntlawulo banelungelo lokuyisebenzisa kodwa bangawenzi umthambo nanini na.
Isahlulelo: ingeniso esisigxina kwisahluko
Olunye umahluko onokufikelela kuwo kukudala ngakumbi. Ihlala ngaphakathi linda amaxabiso abuyele kumanqanaba awo angaphambili, wakube waphungulwa kwintlawulo yesahlulo. Kuya kuthatha iiveki ezimbalwa ukuba kwenzeke oku. Kodwa nangayiphi na imeko uza kuthengisa izabelo zakho kuphela kunye nezibonelelo zesivuno sesahlulo. Oko kukuthi, kutyalo-mali oluthe ngqo oya kuthi wenze ukuba ungayi kufumana ncedo. Yenye yezona ndlela zisebenzayo zokuqinisekisa ukuba intlawulo yalo mvuzo ikunika zona. Nangona ingenanto yakwenza nokutyalomali olusulungekileyo nolulula.
Ukuhlawulwa kwezahlulelo iminyaka ethile ngoku kukuvumela ukuba ukhethe ezimbini. Kwisandle esinye, zibize ngqo Kwaye baya kwi-akhawunti yakho yokutshekisha ukuze wenze into oyifunayo kubo. Kwaye kwelinye icala, ukubanakho kokubanakho ukuphinda ubabuyise kwizenzo apho uthathe isikhundla. Iya kuba sisigqibo sobuqu ekufuneka usenzile emva kokuhlalutya eyona nto uyifunayo kwaye ithini iprofayile yomtyali mali omncinci oyibonisayo.
Ngayiphi na imeko, kuya kuba lula kuwe ukuba wazi ukuba yeyiphi imeko apho kulunge ngakumbi kuwe ukuba utyalomali olu rhumo lufunyanwa ngabo bonke abaninizabelo. Njengesicwangciso se phucula imeko yeakhawunti yakho yezokhuseleko. Akumangalisi ukuba unako ukuphucula imida ebhankini ekubonelela ngayo ngezahlulo. Nika ingqalelo kuba inokuba lunomdla ngalo lonke ixesha le meko yotyalo-mali isenzeka kuwe.
Kwiinkqubo zokukhuthaza
Xa isitokhwe sihlangabezana nenkqubo yokunyuka, kuya kufuneka uphinde uphinde uhlawule ukuhlawulwa kwezabelo. Isizathu kungenxa yokuba enkosi kule mi sebenzi uya kuba nezabelo ezininzi, kwaye ke, amathuba amakhulu okuba imveliso inyuke. Endaweni yokonwabela ukuthengiswa kwakho. Iya kuba ngumcimbi wokuba nemali inyanzeliswe ixesha elide. Ukutshintshiselana nokuphuculwa kokusebenza kwamashishini.
Iingxowa zokonga zexesha elide: ukuba utyalo-mali lwakho lwenzelwe ixesha eliphakathi okanye elide, le ntshukumo iya kuba yinzuzo. Ayizukuvumela kuphela ukonyusa utyalomali lwakho, kodwa uyakuba kwimeko yokuqokelela imali ngakumbi kwisahlulo esilandelayo. Ngaloo ndlela, uya kuyonyusa imali oyityalileyo kancinane kancinci. Yindlela yoqobo yokudala ibhegi yokonga kule minyaka imbalwa izayo. Akumangalisi ukuba indlela yakho ijolise kwiminyaka emininzi, nokuba ikwimo yotyalo mali. Inokuba lithuba elihle lokunyusa izikhundla zakho kwimarike yemasheya.
Ixabiso elomeleleyo kakhulu
Elinye icebo linokuphuhliswa kwixabiso elizinzileyo elinqabileyo ukubandezeleka ngokubonakalayo kwintengiso yesitokhwe. Iya kuba yinto efanelekileyo ngakumbi ukudibanisa izabelo kutyalo-mali endaweni yokungaziqokeleli kwangoko. Ngokukodwa ukuba awuzukuyidinga loo mali ixesha elide. Ngayiphi na imeko, awuzukukhetha ngaphandle kokujonga ixesha elimisiweyo lokuvala izikhundla kwii-equities. Ukuthintela nakuphi na ukuhamba ezantsi kwiimarike kunokubangela ukuba inxenye yezi ngeniso inyuke, ukongeza kutyalo-mali ngokwalo.
Nokuba yeyiphi na indlela, ulwabiwo lwezahlulo phakathi kwabanini zabelo oluza kwenzeka kulo nyaka iya kuba yenye yenkuthazo yokungena kwizabelo kulo nyaka. Kuba, inene, ithembisa ukuba ngumsebenzi ozele ziindaba ezilungileyo zabahlanguli. Nangona kunjalo nakwezinye izinto ezidanisayo ngendlela yokunciphisa lo mvuzo kubatyali mali.
Ukusuka kule meko, ezonaveli zintsha zibonelelwa ziinkampani ezidwelisiweyo zibandakanya ukuba imbuyekezo abaya kuyivelisa iyabalwa kwi Umyinge wenzuzo kufutshane ne-4%. Ngayiphi na imeko, isishumi esingezantsi esivelise kunyaka ophelileyo kwaye siphawule enye yeerekhodi ezilungileyo ngokwendlela yokusebenza kwayo. Nokuba yeyiphi indlela, ihamba phantsi kwesiqhelo esiqaphelekayo. Ngaphandle kwezinto ezininzi ezothusayo kunye nokuzinza kwesixa esiya kwiakhawunti yokonga yabatyali mali abancinci nabaphakathi.
Amaconsi ekusebenzeni
Ayizizo zonke iindaba ezimnandi kubasindisi abaziyo ngokuvela kwesahlulo. Kungenxa yokuba kukho iinkampani ezimbalwa ezinciphise isixa sazo. Le yimeko ethile yezinye zezabelo zaseSpain: Telefónica. Kungenxa yokuba umqhubi welizwe egqibe ekubeni kulo nyaka ayinqumle intlawulo ayinike izabelo. Kuba ibhengeze ukuba izakusasaza isabelo esinexabiso se-2017 euro ephethe iiakhawunti ze-0,40, xa kuthelekiswa ne-0,55 ye-euro ye-2016 (unyaka apho kulindeleke ukuba isasaze i-0,75 euro). Ngokuqinisekileyo ayizizo iindaba ezithanda abatyali mali abancinci nabaphakathi. Kodwa endaweni yoko, kuba bayashenxa kwizikhundla zokuthelekisa, ubuncinci kwixesha elifutshane.
Ezinye iinkampani ezidweliswe kwimarike yesizwe eqhubekayo zikhethe isicwangciso esifanayo ngokusekwe ezi ntlawulo. Nangona phantsi kweepesenti ezithile ezingabalulekanga kangako. Ngokuncitshiswa kwesivuno ngesabelo ngasinye nangayiphi na imeko ingagqithi kumanqanaba e-10%. Kodwa nangayiphi na imeko, bayabatyhafisa abatyali zimali ekuthatheni izikhundla nakweziphi izabelo zaseSpain. Ngokuchasene nabo bathandwayo koku kusasazwa.
Banokwenza ntoni abatyali mali?
Ngenxa yemeko eboniswe zisahlulelo kulo nyaka mtsha, zininzi iindlela ezinokusetyenziselwa ukwandisa ixabiso lolondolozo oluqokelelweyo. Ukusuka kwezona zenzo zinoburhalarhume ziye kwabanye ezinokuzikhusela ngakumbi khusela imali oyityalileyo. Phakathi kwabo, ukhetho lokukhuthaza ukuhamba ngokukhawuleza kunesiqhelo lubonakala. Ngenjongo ecace gca necacileyo. Ayikho enye ngaphandle kokuzama ukusebenza kakuhle ngamaxabiso abo ngokudibanisa lo mvuzo. Ngaphandle kokujolisa kumaxesha oxinzelelo enzelwe ixesha eliphakathi nelide.
Enye indlela onayo okwangoku ivela kuyo Izikhundla ezingapheliyo. Apho isicwangciso-qhinga sakho siyakuba kukukhetha ukuphuma kwezokhuseleko ezithi zivelise isivuno esingcono kwaye zona zibonise umba wobuchwephesha ongenakulinganiswa, okanye ubuncinci obunokucaca ngakumbi. Ke ngale ndlela, bakwimeko ezilungileyo zokufumana uninzi kwizikhundla ezivulekileyo ukusukela ngoku.
Inxalenye yesithathu yezenzo zakho kufuneka ijolise ekwenzeni utyalo-mali olunezinto ezininzi ezahlukeneyo kunangoku. Njani? Ewe, ilula kakhulu, ukhetha i- kwingxowa-mali esekwe kwiiasethi zemali zezi mpawu. Unezindululo ezininzi apho unokukhetha khona iimali zakho ozithandayo, zombini kwiimarike zelizwe kunye nezo zivela kwezinye iindawo zejografi. Yonke into iya kuxhomekeka kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi.
Iimali ezinxulumene nolwahlulo
Kuba, eneneni, kukho inani lezi mveliso zezemali ezisekela isicwangciso-qhinga sazo ekubandakanyeni la maxabiso. Kumhlaba jikelele, Ngaphandle kokukhetha inkampani enye. Endaweni yoko, ijolise kutyalo-mali kwiibhasikithi ezahluka-hlukeneyo zesitokhwe. Yenye into onayo ukuba ufuna ukhuseleko olukhulu kwimirhumo yakho yemali.
Owona mqobo uphambili kuya kufuneka uzenzele kuwo kukhetho lotyalo-mali kukuba kuya kufuneka uthathe iikhomishini ezibanzi ngakumbi kunokuthenga ngokuthe ngqo kunye nokuthengiswa kwezabelo kwiimarike zezemali. Ngeepesenti ezinokunyuka ziye kwi-2%. Kwimeko apho kuya kufuneka uzinikele kumzamo omkhulu wezezimali ekuqeshweni kwezi mali. Nangona ukubuyisa, uya kuba nenkululeko enkulu yokuyidlulisela kwezinye iimali zotyalo-mali ngaphandle kwalo naluphi na isohlwayo. Ukongeza, le misebenzi iya kuba nakho ukuyenza ibe semthethweni ngalo naliphi na ixesha kwaye ngaphandle komda kwiintshukumo. Logama nje iimali zivela kwibhanki enye.