Enye yeenzuzo ezinkulu onazo xa ubhalisela imali yotyalo-mali luluhlu olubanzi lweemodeli onokukhetha kuzo, kuzo zonke iintlobo. Ngokusuka kulo naliphi na icandelo lezoqoqosho, nkqu nakwimpahla engaphezulu ezintsha, kwaye kwezinye iimeko zingaqhelekanga. Imbalwa imisebenzi yeshishini engaphandle kwezi mveliso zezezimali. Akunanto, Abaphathi bebesungula iifomathi ezintsha rhoqo, apho bazama ukumangalisa abathengi ukuba babhalise. Kwaye ngaphezulu kwesihlandlo esinye bayaphumelela, nokuba yeyiphi na iprofayile abayivezayo.
Ukusuka kule meko, ingxaki enkulu onayo ayikho enye ngaphandle kokukhetha uhlobo lweemodeli onokuzikhetha, kwaye ezinokuvelisa imbuyekezo enkulu kulondolozo lwakho. Ngokukodwa ezo zifunyenwe kwishishini elitsha, okanye kwiindawo zeshishini ezingekamiswa kakuhle kwinkqubo yezemali. Ngayiphi na indlela, ngokusebenzisa imali yotyalo-mali ungafikelela nakweyiphi na iasethi eyimali ngokulula nangokukhawuleza. Kuba unokubaqesha kwibhanki yakho yesiqhelo, nokuba ikwifomathi ekwi-Intanethi, ukukhawulezisa inkqubo yokuthenga izabelo zakho.
Ukuzama ukutsala umdla wabathengi babo, abaphathi bezi mveliso abonqeni ukuzisa imali eyonyukayo kwintengiso, ekuthe kwiminyaka embalwa edlulileyo wawungacingi ukuba ungasetyenziselwa ukutyala imali oyigcinileyo. Nokuba ukufikelela thatha ithuba lokuguquguquka kweemarike zezabelo. Kwaye kunikwe amathuba ambalwa okufumana imbuyekezo kulondolozo lwakho, ikwavumela amaxabiso enzala ukuba akhule kwezi meko njengoko ukungazinzi kwiimarike zezemali kubi kakhulu.
Imali esekwe kwimpahla yorhwebo
Unezinye iindlela ezimbalwa zokutyala imali kwezi asethi zezemali ngeendlela ezininzi eziqhelekileyo. Kodwa ukuba ukhetha imali ngezi mpawu, uya kuba nesibonelelo esingaphezulu kwesamkelekileyo, esisithi inxulunyaniswe kuluhlu olubanzi lwezi zifundo, phantse ngaphandle kwemida. Ukusuka kokutya okuphambili (isoya, iswekile, umqhaphu, ingqolowa ...), kweminye imicimbi enxulumene namandla (igesi, amafutha, ukucoca, njl. Izinketho ezivulekileyo zinkulu, kwaye awunakufikelela kuzo ngezinye iimveliso zezemali, nokuba zezona ziphucukileyo.
Yenye yeemveliso ezinxulunyaniswa nemijikelezo yezoqoqosho, kwaye apho unokufumana khona inzuzo ebalaseleyo, ukuba ukuvela kwayo yeyona nto ilungele umdla wakho. Ukusukela ngalo mzuzu ukuya phambili, kuya kufuneka ukhethe ukuba zeziphi ezizezona zilungele isihlandlo ngasinye. Kwaye yeyona ngxaki inkulu ngokuqesha ezi mali zikhethekileyo.
Olunye uphawu lwazo kukuba zijolise kubatyali mali ngolwazi oluthe kratya kwezi marike, kwaye ngubani owaziyo indlela yokuhamba kwabo. Ukuba uhlangabezana nale mfuno, uya kuba namathuba okwenene eshishini kwiinyanga ezizayo. Nangona ukwenza ukuba babe nenzuzo kuya kufuneka uziveze ixesha elide. Kwaye oko ungabaqesha kwingxowa mali yotyalo-mali eyahlukaniswe nezinye iiasethi zemali, zombini ingeniso emiselweyo, kunye nokwahluka.
Itekhnoloji entsha njengenye indlela yotyalo-mali
Ngaphandle kwamathandabuzo, eli candelo lishishini likhulayo lelinye lezona zinto zintsha eziye zavela kule minyaka idlulileyo, kunye neemodeli zeshishini eziphambili kakhulu. Kwaye banomhlaba ochumileyo wokufumana i-capital kwezona meko zixabisekileyo zentengiso ye-equity. Nangona, ngokuchaseneyo, iingozi ozifumanayo ziphezulu kunezinye iimali zesintu.
Utyalomali, kule meko, alujoliswanga kwiinkampani ezinxibelelene ne-Intanethi kuphela, kodwa nawo onke amacandelo ezobuchwephesha, phantse ngaphandle kokukhetha (ababoneleli ngeenkonzo, urhwebo nge-elektroniki, isoftware, izixhobo zekhompyutha, uqhagamshelo lweWi-Fi, njl.). Nangona uninzi lwe Unikezelo lwezi mali luvela kwiinkampani ezenza imali encinci, igalelo labo eliphambili lilele kumathemba okukhula amahle abawabonisayo kwiimarike zesitokhwe. Akuqhelekanga ukuba uhlangane neziphakamiso, ezingaphezulu kwezinto eziyinyani, oko bakunikelayo kulindeleke kwikamva.
Utyalomali oluhlaza kwiiprofayili zendalo
Olunye ukhetho lotyalo mali oluhlangabezana nezi mfuno luhlaza ngokwendalo, ngecandelo lezendalo eligcweleyo lonke ubume beepotfoliyo zotyalo mali. Kuluhlu olubanzi lwezindululo, kuzo zonke iintlobo, kunye nazo zonke iiprofayili ezinikezelwe ngabatyali zimali zentengiso. Ukusuka ekunciphiseni utshintsho kwiziphumo zemozulu, ekufakeni ukonga kubuchwephesha obucocekileyo. Kwaye kule minyaka idlulileyo, kuye kwakho ukubakho kwemali yotyalo-mali esekwe kuhlumo oluzinzileyo lweplanethi.
Enye yeenzuzo eziphambili zokukhetha le modeli ikhethekileyo yotyalo-mali kukuba ngaphandle kokufuna imbuyekezo kulondolozo, abanini bale mveliso baya kuba nakho ukwenza imisebenzi yabo phantsi kweenqobo abakholelwa kuzo, ubambe uthotho lwamaxabisoAyisiyiyo kuphela kubomi bakhe babucala, kodwa ikwadlulisela nakwicandelo lezemali. Batyale imali ngokusekwe kwizikhundla zabo.
Ke ngoko, ayimangalisi into yokuba iinkampani zolawulo zilithathile eli bango kubathengi, kwaye bathambekele ekwenzeni iimveliso ezihlangabezana nezi mpawu, zibonelela ngakumbi nangakumbi, uyilo oluyinyani, kwaye kwiimeko ezininzi zinobuchule bohlobo lwendalo yazo . Kwaye nabo Ungafezekisa imbuyekezo yonyaka eqhelekileyo iphakathi kwe-3% kunye ne-10%, Kuxhomekeke kumthambo ngamnye. Ngokuhambelana naleyo ibonelelwa zezinye iimali zotyalo mali.
Ukuxhasa impilo yenye inkqubela ekhoyo kwezi mali, zizifumana zikhona kunye nezindululo njengokucebisa njengokutyala iiasethi kwiinkampani ezinxulumene ne-oncology. Okanye unxulumene nokhathalelo lwempilo, amayeza okanye i-biotechnology. Icandelo elithe kwiminyaka yakutshanje labonisa indaleko ethe kratya kunamanye endalo eqhelekileyo. Kwaye apho uninzi lwabaphathi lukhethekileyo ekulungiseleleni le mali. Ngomnikelo obanzi kakhulu, kodwa kwangaxeshanye kwahluka.
Utyalomali kumazwe asakhasayo
Enye yamathuba avulekileyo ngakumbi kwezi modeli zotyalo mali kukuba unako tshintshela imali yakho oyigcinileyo kwezona marike zezimali zingalindelwanga, kwikona yokugqibela yeplanethi. Kwaye kude kube ngoku awukwazanga ukurhweba nabo, nkqu ngokuthe ngqo kwiimarike zesitokhwe. Ngale ndlela, ngoku kunokwenzeka ukuya kwiimarike zezemali zeVietnam, iNamibia, iKenya okanye iBolivia, ukubala nje ezimbalwa zazo.
Ezi ntengiso zikhulayo, nangona kunjalo, zibonelela ngomngcipheko omkhulu ongenakho ukuthatha. Hayi ngelize, iinzuzo ezinkulu onokuzifumana zibaluleke kakhulu, kodwa ngenxa yesizathu esifanayo ungashiya ii-euro ezininzi ekusebenzeni ngakunye. Nangona ukunciphisa oku kungahambi kakuhle, abaphathi bagqibe kwelokuba benze olu didi lwemali, ngokuhambelana nezinye iiasethi zemali ezikhuselekileyo, ezibonelela ngozinzo kwigalelo lezoqoqosho.
Ngayiphi na imeko, yenye into enokwenzeka ukuba unayo phambi kwakho, xa ujongene nemeko ecacileyo yokuthengisa kwezi marike. Nangona naphantsi kwaziphi na iimeko kufuneka utyale imali yakho oyigcinileyo kwingxowa-mali yotyalo-mali kwezi mpawu. Ukuba akunjalo, ubukhulu becala ukubancedisa nabanye osebenza nabo rhoqo, zombini ingeniso emiselweyo nengafaniyo. Iya kuba sisicwangciso-qhinga ukukukhusela ngokufanelekileyo.
Okwangoku ungayenza nangeeasethi ezivela kwingeniso emiselweyo yala mazwe. Oko kuya kuba yingozi ngokulinganayo ekuqeshweni. Ukungazinzi okugqithisileyo, okuqhelekileyo kwintengiso yemasheya, ekhuthaza ukuxabisa nokuhla kwamaxabiso ezokhuseleko. Ayilolize ngemini enye ukuba ungaphumelela (okanye uphulukane) malunga neepesenti ezi-2 zekapitali oyityalileyo. Ayingabo bonke abathengisi abanokujongana nezi meko kwiimarike.
Utyalomali kwezimbiwa
I-classic yengxowa-mali yotyalo-mali yobomi bonke, nangona kwiminyaka yakutshanje isibonelelo sabo sikhuphukile, nditsho ngezindululo ezandayo nezicebisayo. Zenzelwe ukuba zenziwe tyala imali kwizixhobo ezingaxutywanga, kwaye siqokelele iingeniso zemali ezithi ziveliswe kwiimarike zazo ezifanelekileyo. Isenokuba kwiiminerali zeshishini, ezinje ngentsimbi kunye namalahle, okanye ikakhulu kwimveliso yezinyithi ezixabisekileyo (igolide, isilivere, iplatinam, ipalladium ...).
Ukuphunyezwa kweemodeli ezintsha zotyalo-mali kude kwafikelela nakwicandelo lezolimo, ngokubeka isikhundla kwiiasethi zemali eziphambili eziveliswe kwiplanethi. Kwaye ekulangazeleleni kwabo izinto ezintsha bafikelela kwimveliso yehlathi. Nangona kunjalo, Ezi mveliso zikhethekileyo ezifuna ulwazi olunzulu ngezi marike elakho icala. Kwaye ingcebiso echanekileyo kuphela onokuyifaka kwipotfoliyo yakho elandelayo yotyalo-mali.
Usebenza njani ngezi mali?
Ungafikelela nakweyiphi na kwezi mali zotyalo-mali kwiibhanki, nangona imisebenzi oyenzayo kufuneka yenziwe ngokusesikweni ngononophelo olukhulu. Kuza kubakhona i khusela ngokukodwa ukonga imali, ukuze ingakuthathi nayiphi na into engalindelekanga kwezi nyanga zimbalwa zizayo. Eyona ndlela ikhuselekileyo yokuthatha izikhundla kwezi mali kukukhetha iimodeli ezibandakanya iiasethi zemveli: iibhondi, ii-equities, iimali, njl.
- Ezi mveliso akufuneki zijolise kuba zinobuchule ngokwenene, kodwa ngokulula kuba banokubakho kokukhula okuphezulu kakhulu, ukuba kunokwenzeka ngaphezulu kwezinye iimali.
- Uninzi lwezi zoyilo zenziwe ngeemali ngaphandle kwe-euro, kwaye baya kufuna utshintshiselwano lwemali ukuze babhalise, kwaye kuya kufuneka bafune ukuhlawulwa kwekhomishini kulo msebenzi.
- Zizinto eziguqukayo ngakumbi kuneemali zesiko, kwaye kufuneka uzilungiselele ukumelana namaxesha okungazinzi okukhulu, Bade bakwenze ukuba ulahlekelwe yimali kwizikhundla zabo. Ngayiphi na imeko, inokuba yeyenye yokwenyani xa amathuba kwiimarike eziqhelekileyo sele ephelile.