Akukho lutyalo-mali lubi kunolo ongenakwenza impazamo ngalo. Ngamanye amagama, awusoze uphinde ubuye namaxabiso akho okuthenga. Okanye ubuncinci iminyaka emininzi, ugqithile kwiminqweno yakho Umtyalomali omncinci nophakathi. Ngethamsanqa kuwe, ayisiyondlela iqhelekileyo le yokulingana namhlanje. Kodwa zininzi iimeko apho unakho khona hlala ubambekile kwizicatshulwa zabo. Okanye yintoni efanayo, ikude kakhulu kumaxabiso okuqala. Ukuza kuthi ga kwinqanaba lokuba unyanzelekile ukuba wenze ukuthengisa okungathandekiyo.
Enye yeengxaki eziphambili onokuzifumana kutyalo-mali kwimarike yemasheya kukuba azikuniki ithuba lesibini lokuvula izikhundla kwiimarike zezemali. Ngokukodwa, kuba iya kuba yenye yemithombo yokukhuthaza onokuyenza ukulahlekelwa yimali ebalulekileyo yemali ekusebenzeni kwesitokhwe sakho. Okuninzi kunokuba ungacinga kwasekuqaleni kwaye awuzukukhetha ngaphandle kokulungisa esi sehlo sibi. Oko kwelinye icala kunokwenzeka kuwe ngalo naliphi na ixesha nakwimeko. Nakule mizuzu ichanekileyo.
Ukuthintela le ngxaki ekubonakaleni, akukho nto ibhetele kunezinye iiresiphi ezilula ekufuneka uzisebenzisile xa uza kuvula izikhundla kwizabelo. Akumangalisi ukuba iya kuba sisicwangciso esiliqili esisebenzayo khusela imali yakho ubuncinci beemeko ezintle kwimidla yakho. Kuba ngokwenyani, uya kuba nakho ukuphucula ukusebenza kunye nokuwahambisa phantsi kweyona ndlela ichanekileyo kutyalo-mali lwakho. Iya kuba yenye yeenjongo ekufuneka uzibekele zona ukusukela ngoku.
Ithuba lesibini: ngaba liyimfuneko?
Ngokuqinisekileyo ngaphezulu kwesihlandlo esinye ukhale ngotyalo-mali olwenziwe kwiintsuku ezimbalwa emva kokumiselwa ngokusemthethweni komsebenzi wokuthenga. Ewe, kukho uthotho lwamaxabiso, nangona ungaphulukana nemali ngexabiso ekuqaleni, into eqhelekileyo kukuba kwixesha eliphakathi nelide uzishiya izikhundla kwindawo elungileyo. Oko kukuthi, ufumana Ukufumana imali enkulu ngamandla okanye kwelinye. Ngethuba nje uvale izikhundla kwaye ucime i-accounting yelahleko, ethi kwezinye iimeko ibe ngaphezulu kokubaluleka.
Ukuze ube nethuba lesibini kwii-equities, kufuneka uhlangane nothotho lweemfuno ekufuneka zichazwe kakuhle. Okokuqala, musa ukubanjwa yimithambo-luvo. Uloyiko lokuthengisa akufuneki lube yinto eqhelekileyo kwizenzo zakho. Olunye uphawu lweprofayile yakho kukuba utyalomali lwakho kufuneka lubhekiswe kwi ixesha eliphakathi nelide. Yeyona nto ilungileyo yokuthintela ukonzakaliswa yiyo nayiphi na imidlalo yakho. Ukwenza oku, awuzukukhetha ngaphandle kokutyala imali ongayi kuyidinga ixesha elide. Kwaye oko akuchaphazeli ukuhlawulwa kweakhawunti yakho.
Ukuba uyazifezekisa ezi mfuno, iimarike zezemali ngokuqinisekileyo ziya kukubonelela ngesibini kwaye mhlawumbi nethuba lesithathu kutyalo-mali lwakho. Ngokukodwa, kukhuseleko oluneyona mali inkulu kwaye eyinxalenye yezona zinto zibalulekileyo zezabelo. Kuba enyanisweni, kuya kubaluleke kakhulu ukuba ukhethe ukhuseleko kwiphothifoliyo yakho yotyalo-mali ukuba ufuna ukufezekisa ezi njongo ukusukela ngoku. Kwaye ungashiyi ii-euro ezininzi endleleni.
Izindululo zokulungiswa
Kwimalike yesitokhwe sikazwelonke unoluhlu lwamaxabiso aya kuthi kungekudala akunike uvuyo. Nangona okwangoku uphulukana nemali kunye nabo. Ukugxininisa ingcebiso yabahlalutyi abaninzi bezemali yokuba imali ayinakuze ilahleke kwimarike yemasheya ekuhambeni kwexesha. Ayothusi into yokuba le yenye yeenjongo zakho eziphambili kwaye kufuneka utyalomali lwakho lukhokelwe kwasekuqaleni. Hlala wehlile kweyona meko ingathandekiyo kwimidla yakho. Apho amaxabiso ezabelo esiwa ngokuqhubekayo ngenxa yezizathu ezahlukeneyo.
Ngale ndlela, kukho izindululo ezithile ongekhe uzisole ngazo xa ukhetha ukuthenga ukususela ngoku ukuya phambili. Enye yezi ngcebiso ivela Inditex eyolukiweyo. Yile nto ibizwa ngokuba lixabiso lebhanki yehagu elonyusa ixabiso lezabelo zalo unyaka nonyaka. Phantse ukungayeki kwaye rhoqo. Ngenxa yempilo elungileyo yemodeli yayo yeshishini, ngokuya usiba mhle kwaye usanda ngokukhawuleza iziphumo zeshishini. Nangona okomzuzwana onikiweyo utyalo-mali luvela kakubi, into eqhelekileyo kukuba emva kwexesha elingaphezulu okanye elingaphantsi kokufumana imali uza kufumana imali.
Enye yokubheja ecacileyo onayo kwiimarike zezemali yile yenkampani yokwakha iFerrovial. Kwimeko efanayo naleyo yenkampani ephethwe ngu-Amancio Ortega. Izinto mazibe mbi kakhulu kuwe ukuze ungagqibi ukusebenza kunye neenzuzo ezinkulu. Nangona ngaxa lithile awuzukukhetha kodwa ukuhlala uzolile. Kwaye ngokuqinisekileyo uzinze kwizigqibo zakho. Inkqubo ye- amava Abatyali mali bayo kufuneka basebenze njengenkuthazo kuwe ukuba wenze ukuvulwa kwezikhundla kwixabiso.
Kolu khetho lokhetho, iklasikhi efana neTelefonica ayinakubakho kwimakethi yesizwe. Nangona ngesicwangciso esiliqili, ihlala iyinkampani ephumeleleyo phakathi kwaye ngakumbi ixesha elide. Apho unokufumana khona isiliphu esingaqhelekanga kwixabiso lakho. Ingakumbi kuba iya kukunika ithuba lesibini elifunwayo. Ukuze ube nokulungisa ukuthengwa okunokwenzeka okungakhange kuphuhle njengoko ubufuna kwasekuqaleni. Ngenkuthazo yokuba uya kuba nesabelo esiqinisekisiweyo minyaka le ngomyinge ophakathi osondele kwi-8%. Ngaphezulu kwengeniso yesiko emiselweyo.
Amanye amaxabiso angasoze asilele
Uluhlu lwezi asethi zezemali lwandiselwa nakwezinye izinto ezikhuselekileyo ezibonelela ngokhuseleko olukhulu ngexesha lokwenza ngokusesikweni nokwenza ipotifoliyo yotyalo-mali. Le yimeko ethile yamaxabiso ecandelo lehotele, nge I-Sol Meliá kunye neehotele ze-NH entloko. Ngomgca ophindaphindayo weshishini ongasokuze usilele kubatyali mali abancinci nabaphakathi. Ngokukodwa xa iziphumo zomsebenzi wokhenketho zingazange zibaphoxe abatyali mali kulindelo lwabo. Akumangalisi ke ngoko ukuba ubuncinci emva kweminyaka embalwa ubona indlela ezonyuke ngayo izikhundla zakho. Ngethemba lokuba nokuphucula umndilili wezabelo zaseSpain.
Kananjalo awunakushiya i-inki yamaxabiso asikiweyo afana nalawo avela ezindleleni. Zonke iziqinisekiso malunga nokuba utyalomali lwakho luza kuhamba njani kule minyaka izayo. Ngaphandle koko banokuchaphazeleka ngezilungiso ezinzulu kakhulu kwikoteyishini yamaxabiso abo okanye nangaphantsi kwendlela esezantsi yoyilo olukhulu kwaye enokuhlala ixesha elide kunokuba inqwenelekayo. Kuya kufuneka ubandakanye kolu luhlu lokuqala iintshukumo zeqela lezemali (iibhanki, iinkampani zeinshurensi, njl. ilawulwe kakuhle kwaye ekuhambeni kwexesha baya kukunika ngaphezulu kovuyo olunye kwizicatshulwa zabo. Ukongeza, kusasazwa izahlulo phakathi kwabanini zabelo.
Ewe, ukuba amaxabiso athile angenako ukusilela kwixesha eliphakathi nelide, ezo zombane. Yeyona ukubheja kukhuselekileyo kule nto sithetha ngayo. Amashishini abo ahlala ehamba kakuhle kwaye nangona bengakhombisi kuhlaziyo olunomdla ngokwenene, emva kweminyaka embalwa uya kuhlawula imisebenzi kunye nezibonelelo. Nantoni na ukubheja okwenzayo. Kungenxa yokuba banoluhlu olubanzi lweenkampani ezinezi mpawu. Ukuya kwindawo apho uya kuba ngaphezulu kwesinye ingxaki kukhetho lwakho. Esi sisigqibo sobulumko ngokwamaxesha amade okuhlala kwakho.
Ungabanjwa
Akumangalisi ukuba iintshukumo zakho kufuneka zijolise ukuze ungafakwa kwizikhundla ezivulekileyo kwimarike yemasheya. Ukuthintela iimeko ngokuqinisekileyo eziyingozi kwimidla yakho ekufuneka uziphephe phantsi kwazo naziphi na iimeko. Emva kwayo yonke loo nto, yimali yakho oyingcakazayo kwimigangatho yokurhweba. Ukwenza oku, kuya kufuneka unqande ixabiso lesabelo sakho ekubeni likude kakhulu kumanqanaba okuthenga. Into ekuyo umqolo wesibini amaxabiso okanye intelekelelo engaphezulu yeyona meko inobungozi.
Ubeka umngcipheko omkhulu wokuba ixabiso lokuthengwa kwezabelo alizukuphinda lifumaneke. Ngayo, awuzukukhetha ngaphandle kokulungisa ukusebenza ngokuthengisa okungathandekiyo. Okanye ukusilela oko, lindela Isiganeko esingaziwayo seshishini senzeka oko kubangela utshintsho olukhulu kwixabiso laso. Ngale ndlela, kufana nokulinda ukuba kwenzeke ummangaliso, inkqubo uninzi lwabatyali zimali abancinci nabaphakathi abaye bangena kuyo, njengakwimeko yakho.
Ngayiphi na imeko, kwaye ukunqanda ukubonakala kwezi meko ziyingozi kwimidla yakho, unesicwangciso sokunciphisa ilahleko yokuhamba kwakho kwizabelo. Akukho nto ilula njengokuthengisa okuya kubizwa njengelahleko yokumisa. Ukuze ngale ndlela, ungabasika abakhubazekileyo. Iya kukunika ithuba lokuthatha kuphela ezo zinokuxhasa ibhalansi yeakhawunti yakho yokujonga. Ukuba ngumsebenzi osebenzayo ngakumbi kwiinkqubo ze-bearish kwimarike yemasheya.
Kodwa ngayo yonke into, kuyakubakho amathuba amaninzi ngakumbi, njengoko kubomi babo, ithuba lesibini elikuvumela ukuba ulungise iimpazamo ezenziwe Ukukhetha amaxabiso ezenza ipotifoliyo yakho yotyalo-mali. Uya kuba uphumelele okuthile ngesi sicwangciso siluncedo kakhulu sokukhusela umdla wakho njengomtyali mali.