Ivenkile yentengiso: ziziphi izinto eziluncedo?

eziluncedo

Ngaphantsi kwegama lezixhobo, uthotho lweenkampani ezidwelisiweyo ezinxulumene ngokusondeleyo zibizwa ngokuba iinkonzo zombane namandla nje. Zenziwe njengecandelo elibalulekileyo neliphambili kuzo zonke iimarike zokulingana. Bobabini kwilizwe nangaphandle kwemida yethu. Kwaye ngandlela thile, kufuneka ube nexabiso labo ukwenza nayiphi na iphothifoliyo yotyalo-mali. Nokuba yeyiphi iprofayili Njengotyalomali oluncinci nophakathi owubonisayo: ophakathi, onochuku okanye ophakathi.

Izinto eziluncedo zigqamile kuba amaxabiso adityaniswe kakhulu kwiindawo zabo zeshishini. Ngezibonelelo ezinkulu kwiiakhawunti zakho zeshishini kunye neenjongo zokuguquguquka. Ukuguquguquka okunamandla kumaxabiso abo ayisiyiyo enye yeempawu zayo eziphambili. Unako ukuvula ngokugqibeleleyo izikhundla kumaxabiso abo kuba awuyi kuba nezinto ezininzi ezingalindelekanga kwiinyanga zonyaka.

Ukongeza, baveza ezinye izinto ozokwazi kancinci kancinci. Kwimeko apho nangaliphi na ixesha uthatha isigqibo sokubandakanya ezinye zokhuseleko kwipotifoliyo yakho yotyalo mali. Uya kuba nemithombo emininzi yohlalutyo ngalo lonke ixesha okoko ikho kwifayile ye- Inkcazo eyenziwe ngabarhwebi kunye nabanye abalamli bezezimali. Ewe kunjalo, awunakulindela ukuxabisa okukhulu kwezi nkampani. Kodwa ubuncinci uya kuzola ngelixa uneendawo ezivulekileyo eziluncedo.

Izinto eziluncedo: uyaphi?

xabiso

Ukuba injongo yakho kukuthenga izabelo zezi mpawu kwezi veki zimbalwa zizayo, kuya kufuneka ucace gca malunga nokuba kufuneka uye phi ukwenza ukuthengwa kube sesikweni. Zonke iinkampani zecandelo lombane lesizwe zidityanisiwe. Unikelo lubanzi kakhulu kwaye yahluka-hlukeneyo ukwanelisa naliphi na ibango kwicandelo lakho. I-Endesa, i-Iberdrola, i-Enagás okanye i-Red Eléctrica Española zezona zibaluleke kakhulu kwintengiso yesitokhwe sikazwelonke.

Amanye amacandelo alo msebenzi weshishini nawo akhoyo. Umzekelo, abathengisi begesi. Ngesindululo esinamandla njengeGesi yeNdalo. Nditsho iinkampani zeoyile, kunye neRapsol kwi-helm. Ziyaziwa ngamaxabiso ngazo zonke iiprofayili zabatyali mali kwaye ukusukela kweli nqanaba baya kukunika ixabiso lokhuselo elongeziweyo.

Elinye igalelo labo eliphambili kukuba bavelisa imigca yeshishini ezisa izibonelelo ezinkulu kwiinkampani zabo. Kwaye ngenxa yabo, banesisa kakhulu xa kufikwa ekwabeni izabelo phakathi kwabanini zabelo. Akumangalisi ukuba zime njengeenkampani ezibonelela ngokusebenza okuphezulu kolu luvo. Ngembuyekezo kulondolozo eyahluka ukusuka kwi-4% ukuya kwi-8%. Phantse rhoqo ngentlawulo esisigxina yonyaka okanye yonyaka. Ukuphembelela inzuzo yakho ukuba ibe phezulu ngesi sicwangciso sixhaphakileyo kwihlabathi lezabelo.

Zikunika ntoni ezi nkampani?

Izixhobo zilungiselela uthotho lwezibonelelo ezinokubaluleka kakhulu kutyalo-mali lwakho oluqhelekileyo. Ekuqaleni, uzinzo kwipotifoliyo yakho yotyalo-mali. Ungalindeli izinto ezinkulu, kodwa ungalindeli iintlekele ezinkulu kwizicaphulo zakho nokuba.

Ngandlela thile, sisicwangciso esiliqili ngokukodwa sokwenza ifayile ye- ibhegi yokonga sijonge phambili kule minyaka imbalwa izayo. La ngamaxabiso apho umngcipheko uya kulawulwa ngakumbi. Ngaphezulu kwamanye amacandelo ezemali. Kule nkalo kuya kufuneka uzolile ukuba uthatha isigqibo sokuthatha inyathelo kwaye uthenge ukhuseleko kwenye yezi nkampani zidweliswe kwimarike yemasheya. Ngokuqinisekileyo kweli cala abayi kukudanisa nakancinci.

Iya kuba kukuncedisana ongafanele ukuba uphoswe kulo naluphi na utyalomali. Nokuba yeyiphi iprofayile oyivezayo njengomtyali mali ophakathi ophakathi. Ngayiphi na imeko, zizikhuseleko ezingasayi kusetyenziswa nangayiphi na indlela ukwenza imisebenzi yokuqikelela. Isizathu silula. Kungenxa yokuba umahluko phakathi kwamaxabiso abo aphezulu kunye nawasezantsi kwiseshoni efanayo yorhwebo awubalulekanga kakhulu. Kunye ezinxaxhileyo kunqabile ukuba zidlule kwi-2%Ngaphandle kokuhlengahlengisa ukuthengwa kwakho kunye namaxabiso okuthengisa awuyi kuba nakho ukufikelela kwezi njongo.

Inomdla wexesha elide

elide

Kuya kufuneka ulithathele ingqalelo ixesha lokusisigxina kwala maxabiso. Azithandwa kakhulu ixesha elifutshane. Kodwa iphakathi kwaye inde apho bafezekisa ukusebenza kwabo ngokukuko ngokwenzuzo yezenzo zabo. Abatyali mali abambalwa abadala abafake imali yabo yokonga ubomi kunye nezixhobo. Kwezinye iimeko nokuba ngenjongo yokuba uthathe umhlalaphantsi. Into, kwelinye icala, abanakuyenza ngamanye amacandelo ezemali.

Unethuba eliphezulu lokuba ukuba ugcina ezi zokhuseleko kwiphothifoliyo yakho yotyalo-mali unokufumana imbuyekezo ezijikeleze i-10% emva kweminyaka eliqela yorhwebo. Ngaphandle kwesidingo kufuneka ube ngokuqhubekayo kusalindwe ikowuti yakho. Unokulindela iziphumo zayo ngoxolo olukhulu lwengqondo kunezinye izindululo kwiimarike zezemali. Isicwangciso ekufuneka usisebenzise ukusukela ngoku ukuya phambili silula. Esona sisombululo sisiso onaso.

Izitshixo zokusebenzisa izixhobo

Ukurhweba ngolu hlobo lokhuseleko akuyi kufuna umgudu ogqithisileyo. Kodwa ewe, ngaphandle kokuba ungenisa izikhokelo zokuziphatha kutyalo-mali ezikunceda ngokuchanekileyo imisebenzi yakho ukusukela ngoku. Usenokuba sele uyazi uninzi lwazo, kodwa kwezinye iimeko kunokuba luncedo kuwe. Ngaba uyafuna ukwazi ukuba yeyiphi na into ekufuneka uyenzile ngala maxabiso abalulekileyo kwimarike yemasheya? Mamela ezi ngcebiso kuba zinokuba luncedo kakhulu kwizicwangciso zakho kwiimarike zezemali.

  • Yimisebenzi elungileyo kakhulu ukuze ukwazi ukuphucula utyalo-mali lwakho kwithuba elide. Ukwenza ibhegi yokonga eya kuthi isebenze ekuphuculeni umgangatho wobomi bakho okanye ukwanelisa ukuthanda kwakho okanye kwabathandekayo bakho.
  • Unethuba elikhethekileyo lokufumana imithombo emibini yengeniso. Kwinto esele isaziwa malunga neenzuzo kudaleko lwamaxabiso abo, kongezwe kulo mzekelo ingqokelela yezahlulo. Kuba, enyanisweni, bavelisa ezona mbuyekezo zibalulekileyo onokuzifumana ngoku kwii-equities.
  • Unako vumela amaxabiso akho asebenze Ngaphandle kwamaxhala amaninzi kuba ngokuqinisekileyo esiphelweni sotyelelo uya kuwufumana umvuzo wakho ofanelekileyo. Kuya kufuneka uchaze kuphela ukuba iinjongo zakho ziya kuba zeziphi kwezi ndlela zotyalo-mali.
  • Ukuba awufuni kugxila kwixabiso elinye, ungakhathazeki kakhulu. Ungalwenza lube semthethweni utyalo-mali lwakho ngengxowa-mali yotyalo-mali esekwe ngokukodwa kwizinto eziluncedo. Ngale ndlela, uya kufumana zahlula imali oyigcinileyo ngeyona ndlela ibalaseleyo. Ukusuka kwimveliso enye yemali kwaye mhlawumbi nakwiikhomishini ezifikelelekayo kuhlahlo-lwabiwo mali losapho.
  • Ukuba ufuna ntoni kwifayile ye- icandelo elibanzi ngokuqinisekileyo kwaye kubanzi malunga nokunikezelwa kwayo, ndiyavuyisana, kuba khange ubhidaniswe kukhetho. Uya kuba uluhlu olubanzi lweenkampani ezidwelisiweyo ezihlangabezana nezi mfuno. Nokuba uphakamise izindululo ezahlukeneyo, ukuba lo ngumnqweno wakho wokuqala.
  • Ezi ziimodeli ze Ishishini elizinzile kakhulu ezenza inzuzo rhoqo ngonyaka. Iya kuba sisiqinisekiso esongezelelweyo xa uvula izikhundla kwesinye sezitokhwe ezininzi ezinezi mpawu zichazwe kakuhle. Ngalo naliphi na ixesha lonyaka ungaqala le ntshukumo kuba ayiloxabiso lokujikeleza.
  • Umngcipheko onawo wokuba ezinye zeenkampani zisilele awukho kwaphela. Endaweni yoko, ngokuchaseneyo, bahlala bephantsi iintshukumo zomdibaniso ezo zihlala zinomdla kakhulu kwimidla yakho. Kwanele ukukhumbula okwenzekileyo nge-Endesa kwiminyaka embalwa edlulileyo. Apho abatyali mali bayo baphindaphinde inzuzo yabo kwiinyanga ezimbalwa zokurhweba.
  • ISpain yenye yezona zinto zigqibeleleyo zokubonelelwa kwezokhuseleko kuzo zonke iimarike zezemali. Ukugubungela onke amacandelo eshishini kunye neemarike zentengiso. Awunakutshintshela ukonga kwakho kwezinye iimarike zezemali zamanye amazwe. Ungaligubungela ibango lakho apha, ngaphandle kwengxaki.

Iinkonzo kule mali

nikela

Ukuya kwizinto eziluncedo kuluntu kunokukuzisela izibonelelo ezininzi. Kodwa kufuneka ubazi. Ngaphandle kwenjongo enye kukwandisa imisebenzi oyiphuhlisayo ukusukela ngoku. Ngokusisiseko baya kuba zezi zilandelayo sikubhengeza ngezantsi.

  1. Unokuninzi ngaphezulu ukufumana kunokulahleka, kuba umngcipheko wayo ngokucacileyo unqunyelwe phantse kuwo onke amaxabiso.
  2. Nangona zincinci, ekuhambeni kwexesha ukubuyela kulondolozo lwakho kuya kuba ikakhulu i-inshurensi. Apho ungongeza khona izabelo ezabelwa wena minyaka le.
  3. Ukuziphatha kwakhe kumaxesha amabi kwimarike yemasheya kuhlala kuhlala kunjalo ingcono kunamanye amacandelo. Nokuba umahluko uxabiseke kakhulu kwipesenti zabo.
  4. Kwezinye iimeko banokuba amaxabiso okusabela. Apho amawaka kunye namawaka abatyali mali ayokufuna ukhuseleko olukhulu kwiiasethi zabo.
  5. Los Ingeniso ngesabelo ngasinye Ukuvelisa amaxabiso ezinto ezisetyenziswayo yenye yezona ntengiso zinokukhuphisana. Iya kunika ukuzithemba ngakumbi kwiminikelo yakho yemali kwasekuqaleni.
  6. Ngandlela thile, banokuninzi ngakumbi okunokuthanani nomxholo we lo ndolozo ngaphezu kotyalo-mali. Ukuba uneprofayili yomtyali mali olungeleleneyo, iya kuba yenye into ekunika ukuzithemba kwizikhundla ozivulayo.
  7. Kwaye okokugqibela, awungekhe ulibale ukuba uninzi lwee abaphathi Basebenzisa la maxabiso ukwakha imodeli zabo zeepotfoliyo zotyalo-mali. Banikezelwa kubathengi bayo abaphambili.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
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