Amaxabiso akhuselekileyo ngalawo aqhuba ngcono kwiimarike zezemali kwezona meko zintle kakhulu, okanye into efanayo, xa zehla kakhulu ebusweni beemeko ezithile ezinzima kakhulu. Yindlela entsha yokukhusela ukonga, kodwa ngaphandle kokuziyeka kutyalo-mali. Ukuya kuthi ga kwinqanaba lokuba babe nokufumana inzuzo ngokugqibeleleyo. Ngomdlalo ocetyiswayo.
Ukufaka esi sicwangciso sikhethekileyo sokutyala imali, kufuneka kuphela ukuba ubone ukuba zeziphi iiasethi zemali ezihambelana neli galelo. Ukusukela ngoku ukuya phambili, khetha ezo zilungele iprofayile yakho njengomtyali mali omncinci okanye ophakathi. Ngezibonelelo kunye ngxaki ukuba siza kukubuza kolu lwazi.
Nanini na xa imeko yentengiso yezemali, ngakumbi ezo zamashishini ezingenanzala, ingeyiyo eyona inomdla kwimidla yakho, kuya kufuneka ucinge ngokutyala imali kukhuseleko olukhuselekileyo ngokugqwesa. Ezinye zazo unokuzazi, kodwa Omnye unokumangaliswa yimvelaphi yayo ephezulu. Ngayiphi na imeko, baya kwanelisa iimfuno zotyalo-mali kwezona meko zinzima. Ukusuka kwiintshukumo eziphindaphindiweyo ukuya kungquzulwano lwemfazwe, kwaye ngaphandle kokushiya naluphi na uhlaselo lwabanqolobi emva kwakho.
Amaxabiso akhuselekileyo: izinyithi ezixabisekileyo
Ukuba ngaba kukho naluphi na uhlobo lwamaxabiso okusabela awaziwayo kwiimpawu zawo, azikho ezinye ngaphandle kwe iintsimbi ezixabisekileyo: igolide, isilivere, iplatinam kunye nepalladium. Abanye kuya kuba lula ukubhalisa, ngelixa abanye ukuthatha izikhundla kuya kuba yinkqubo enzima kakhulu, kwaye ngamanye amaxesha kukhawulelwe kwimirhumo emikhulu okanye kwimali evela kwithamsanqa elikhulu. Yiyo kuphela ingxaki onokuba nayo ukuba unomdla wokuvula izikhundla kuyo nayiphi na kwezi asethi zemali kwiintsuku ezimbalwa ezizayo.
Ngaphakathi kwezinyithi ezixabisekileyo, yigolide ngqo egcwalisa le njongo. Ayothusi into yokuba ngalo lonke ixesha iimarike zamashishini ezingenanzala emisiweyo zibonisa ukuhla kwexesha elide, isinyithi esimthubi sibonisa indaleko elungileyo ngakumbi ngokuhlaziywa okubalulekileyo. Okwangoku oku kwenzeka kulo nyaka.Ngoku, ithoni yokunyusa le ntsimbi yahlukile kwindlela yokuziphatha engalunganga yeemarike zamasheya zamanye amazwe.
Kule meko, ukutyala imali kwisinyithi segolide kunokuvelisa inzuzo enkulu, kwaye nakweyiphi na imeko ingentla kwale ilindelweyo. Iya kuba lelinye lamaxabiso okusabela apho kuya kufuneka uvule izithuba ukuba awufuni ukungathandi ngaphezulu kwezinye izinto zexabiso. Ngapha koko, ngoku igolide yenye yeendlela ezimbalwa onokuthi uphelise unyaka ngezibonelelo. Ngophononongo lonyaka ngaphezulu kwe-30%.
Ezinye izinyithi ezixabisekileyo, ngakumbi isilivere, nazo ukubonelela ngozinzo olukhulu kumaxabiso exabiso lawo kwezona meko zintle. Nangona unemibala ethile ekufuneka uyazi ngaphambi kokungena kwiimarike zabo. Abaqokeleli imbuyekezo kwityala elityalomali ngokulula. Ngaphandle kokucwangciswa ngokucacileyo njengexabiso lokusabela njengomntakwabo omdala, isinyithi esimthubi. Ngokubhekisele kwezinye izinyithi ezixabisekileyo, izehlo zayo zincinci ngokwenene.
Iibhondi zeSolvency Bonds
Enye indlela egqwesileyo yokwenza iindawo ezikhuselekileyo zokukhusela ngexesha elibi lee-equities zamazwe ngamazwe zizibophelelo ezithile. Ngokukodwa iJamani kunye noMntla Merika. Izizathu zicacile kubo bonke abatyali mali. Azikho ezinye ngaphandle kwesisombululo soqoqosho lwazo. Ukuza kuthi ga kwinqanaba lokuba zibenze zibaluleke nakweyiphi na ipotifoliyo yotyalo-mali ngamaxesha okungaqiniseki okukhulu.
Kule meko inzima, kukho amawaka kunye namawaka abagcini abajonga kwezi mveliso zezezimali khusela iminikelo yakho yemali. Nokuba ufuna ukusebenza okungaphezulu kokuqikelelweyo ngexesha elibi loqoqosho lwamanye amazwe. Lukhetho oluthile olukhuselayo onokuthi uluthathele ingqalelo kwimeko enokwenzeka. Ngokuqinisekileyo iya kukunceda kakhulu ukugcina imali yakho.
Omnye umba weziganeko ezizodwa yindlela amakhontrakthi azimeleyo anikwa ngayo isivumelwano. Ewe, eyona ndlela ilula kunye neyona yahlukeneyo yenziwe ngokusemthethweni ngokusebenzisa imali yotyalo mali esekwe kwingeniso esisigxina, kwaye ngokukodwa kula mazwe. Banokudityaniswa nezinye iiasethi zokuzama ukuzama ukunyusa imbuyekezo yotyalo mali.
Ayifanele ilibale ukuba kwezona meko zingathandekiyo kuqoqosho, abatyali mali abaninzi bayayigcina imali abayigcinileyo kwezi mveliso zemali. Sesinye sezixhobo ezimbalwa apho banokuthi benze khona igalelo labo lemali libe yinzuzo. Into eyinkimbinkimbi ngakumbi iya kuba yindlela yokuhambisa iimfuno zabo, kunye neemodeli zotyalo-mali.
Ezinye izinto ezinokuthengiswa
Kumaxesha amabi kuhlala kukho amathuba eshishini. Eli libinzana elisetyenziswa ngabatyali mali abanamava ngakumbi kwiimarike. Kwaye ubukhulu becala balungile, nangona kufuneka babonwe ngalo lonke ixesha. Ngoncedo olubalulekileyo abanokuthi bavelise imbuyekezo ephezulu nangaphezulu kunaleyo ifunyenwe kwingeniso esisigxina. Nangona kunjalo yenzelwe abona basebenzisi yentengiso yezemali.
Enye yezona zinto zinomdla kakhulu kukuba ijolise ekuthatheni isikhundla kwioyile nakwezinye izinto ezivela kumandla. Ngokuxhomekeka ekubeni iimarike zabo zinotyekelo oluhle ngakumbi lokuvula izikhundla ezimfutshane. Ngapha koko, iyafuneka ukubonelela ngokufunda ukusebenza kwiimarike zabo, kuba intsonkothe ngakumbi kunezinye iiasethi zemali.
Inokuba yenye yexabiso lokusabela ngokugqwesa nangaliphi na ixesha elinikiweyo. Ingxaki ivela kukungabikho kwezindululo kwizabelo zaseSpain. Awuyi kukhetha kodwa yiya kwezinye iindawo zamanye amazwe ukuba ufuna ukurhweba ngegolide emnyama. Ingakumbi e-United States, apho ngokuqinisekileyo uya kuba neenketho ezingapheliyo eziya kuthi ziyanelise le mfuno ikhethekileyo oyiphuhlisileyo.
Intengiso ye izinto ezibonakalayo Inokuba yenye indlela yokujongana neemeko ezithile kutyalo-mali lwakho. Nangona awuzukukhetha ngaphandle kokuya kutshintshiselwano ngemali-mali ukugcwalisa iminqweno yakho. Akumangalisi ukuba, yeyona mveliso icebisayo kwezemali ukuthatha isikhundla kuyo nayiphi na kwezi asethi zemali. Ngokunikezelwa kweekhomishini ezikhuphisana ngakumbi ngokunxulumene nokuthengwa kunye nokuthengiswa kwezabelo kwiimarike zemveli zezabelo.
Zibonelela ngantoni?
Ezi asethi zemali zivelisa uthotho lwezibonelelo ezinokukunceda ukuba wonge inzuzo ngexesha lobomi bakho. Ngokusebenzisa iimpawu zabo ezizodwa baya kukuvumela ukuba uphephe amaxesha ukwanda kokungazinzi kwiimarike ezahlukeneyo zemali: iimali, ukutshintshiselana ngesitokhwe, iibhondi, njl. Kuya kucetyiswa kakhulu ukuba uyazi ukuba lolu hlobo lotyalo-mali lwe-atypical lukuzisela ntoni.
- Ziimarike okanye ukhuseleko yamkeleka ngakumbi ngexesha elingathandekiyo yotyalo mali ngokubanzi. Kwaye banokuvelisa izivuno ngaphezulu kwesiqhelo.
- Ezi ziiasethi zemali eziqhelekileyo kwimisebenzi yakho, kwaye usenokungasebenzi kuzo. Ingaba u umngcipheko ophezulu Kuya kufuneka ujongane nayo ukuba ufuna ukuvula izikhundla ukusukela ngoku.
- Kwinqanaba kuphela ezingathandekiyo Uya kuba nomnqweno wokutyala imali oyigcinileyo kwezi asethi, njengoko zihlala zingeyonxalenye yepotifoliyo yakho yotyalo-mali. Olu lutyalo-mali olukhethekileyo.
- Awufuni kutyala imali eninzi kwezi mveliso zezezimali, kodwa kuphela inxalenye encinci yeeasethi zakho. Akumangalisi ukuba zininzi iingozi ezibandakanyekileyo ekusebenzeni kwayo.
- Bafuna ifayile ye- ezinye ukufunda kuba zihamba phantsi kweeparameter ezahlukeneyo kwikoteyishini yamaxabiso azo. Yinto ekufuneka uyithathele ingqalelo ngalo lonke ixesha usiya kujongana nawo nawuphi na umsebenzi kwezi modeli zotyalo mali.
- Njengamagama abo, amaxabiso anika indawo yokuhlala kwinkunzi elona xesha lingazinzanga, hayi kuqoqosho kuphela, kodwa nakwiimeko zeemfazwe, uhlaselo, ukungaqiniseki kwezopolitiko, nakumaxesha oxinzelelo.
- Zihlala zikhetho zotyalo mali isebenza kuphela kwezi meko ichazwe kakuhle. Kwaye phantsi kweemeko eziqhelekileyo abayamkeli imfuno yabatyali mali abancinci nabaphakathi.
Imigangatho yokuziphatha
Ukusebenza kwezi asethi zemali ezisebenza njengendawo yokusabela kwiimeko ezithile, akusayi kubakho khetho ngaphandle kokungenisa uthotho lwezenzo. Baza kukuvumela ukuba ufumane izibonelelo ezingcono ekusebenzeni, kwaye unokufumana izibonelelo zemali kwiintshukumo ezivulekileyo kwezi xabiso. Ezi iya kuba zezinye zezi zikhokelo ekusebenzeni kwakho.
- Zama ukutyala imali oyigcinileyo kwindawo ekhuselekileyo, kodwa ukuba basebenzise enjalo, kwaye ibonisa indaleko ngokokulindelweyo njengomgcini.
- Unokufumana iiasethi ezithile zemali ezihlala zithatha indawo efanelekileyo kwingxaki encinci kwiimarike eziphambili zezemali. Ukunikezela a ukubuya okuhle kwezi meko.
- Okwangoku ngononophelo oluthile lokuba iintshukumo zayo zilawulwa kukungazinzi okuphezulu. Ngokukhawuleza bonyuka ngamaxabiso abo, emva kweentsuku ezimbalwa bayehla. Kuya kufuneka uyazi ukuba ungazisebenza njani ezi ntlobo zexabiso.
- Kwezinye iimeko, utyalo-mali lwenziwa ngeemveliso zezemali eziphucukileyo. Banokukunceda ukuba ufumane imali eninzi, kodwa kwakhona ukulahleka kwiiseshoni ezimbalwa zokurhweba.
- Sukuba nexhala kakhulu iikhomishini zakho okanye inkcitho kulawulo lwakho. Zikumgca omnye njengokuthenga nokuthengisa okuqhelekileyo kwizabelo kwimarike yemasheya. Iya kuba sesinye sezibonelelo ezibonelelwa zezi modeli zotyalo-mali.
- Akunakuphinda kusebenze njenge ukuhambelana notyalo-mali lwemveli. Kodwa kuya kufuneka uzithathele eziasethi zemali kwiimeko ezizodwa kakhulu, kwaye ulinciphise kakhulu ixesha labo.
- Ukuqinisekisa ngcono amathuba akho, kuya kucetyiswa ngokwenene ukuba ingcali kwezi marike zezimali ukulawula utyalo-mali lwakho, kwaye ubenakho ukucebisa ngezona zoyilo zilungileyo zokonga imali oyongelewona maxesha anzima.