Ngaba ukutyala imali kufana nokonga?

gcina okanye utyalomali

Ngamaxesha athile xa uthetha ngehlabathi lemali, iyabhidisa into yokutyala imali kunye nokonga. Kusenokwenzeka ukuba kwenzeke kuwe kangangezihlandlo ezininzi. Nangona eyimigaqo enekhonkco elithile phakathi kwabo, intsingiselo yayo ayifani. Kuya kulungeleka kuwe ukuba uyithathele ingqalelo ukuze ucwangcise ngcono ulondolozo lwakho kwaye wazi ukuba zeziphi iimveliso ojolise kuzo. Ingakumbi ukuthintela naluphi na uhlobo lokudideka.

Ukongeza, siza kukucacisela ukuba zeziphi ezona mveliso zifanelekileyo kwisicwangciso ngasinye. Kungenxa yokuba ungazi, kodwa zahluke ngokupheleleyo. Ayisiyiyo eyakhe kuphela, kodwa ikwakhona Iinjongo ezilandelelweyo. Ngale ndlela, uya kuqala ukuba nolwazi olubanzi malunga nokuba kuyintoni na ukutyala imali kunye nokugcina.

Isiphumo sokuqala solu lwazi kukuba uya kuba kwimeko yokufumana isibonelelo esikhulu kwiiasethi zakho. Phakathi kwezinye izinto kuba uya kucaca ngakumbi malunga nento oyifunayo kunye ngaziphi iindlela. Kuba ngesiqhelo omabini la magama athanda ukufana. Kumajelo osasazo akhethekileyo kwilizwe lemali nayo yonke into eneemveliso zezemali.

Utyalomali yintoni?

Utyalo-mali uzama ukufumana isibonelelo sokusebenza kwemali. Ngokusebenzisa iimveliso ezenziweyo ukufezekisa le njongo. Alibali xesha, isixa okanye iiasethi zemali ezijolise kuzo. Sisiseko sentengiselwano kwiimarike zemali ezinokuba nexesha elinokuguquguquka okanye eliguqukayo. Kuphela iiyure ezimbalwa okanye zenzelwe ukuhlala ixesha elide. Akukho sithintelo kuzo zonke ezi paramitha.

El Eyona njongo iphambili unantoni xa Utyala imali yakho kukonyusa ilifa lakho. Okukhona ikukuhle ngakumbi, kokukhona iya kulunge ngakumbi kwiminqweno yakho. Ukuya kuthi ga kwinqanaba apho utyalomali lunokufumana imbuyekezo ekusebenzeni ngaphezulu kwe-10% kwezinye iimeko. Nokuba ungaphantsi kwemida enenzuzo ngakumbi, kuxhomekeke kwiziphumo ozifumanayo kwiimveliso ozityala kuzo.

Akuqhelekanga ukuba ugcine, kodwa ukuvelisa ukubuyela ukuphucula umgangatho wobomi. Ukusukela ngesiqhelo Inzuzo yakho eyinkunzi ayisetyenziswanga ukwenza ingxowa-mali yokonga. Nokuba mncinci okanye mdala. Kwiimeko ezininzi zisetyenziselwa ukuhlawulela uhambo olukhulu, ukuba nemali engaphezulu kwiakhawunti yokujonga okanye ukujongana nokuhlawulwa kwento oyithandayo.

Iimveliso ezilungiselelwe ukutyala imali

bolsa

Nje ukuba uchonge ukuba kuthetha ukuthini ukutyala imali, awuzukukhetha ngaphandle kokwazi ukuba zeziphi iimveliso onokuthi uzidlulisele kulondolozo lwakho. Njengoko ubona, zininzi kwaye zineendalo ezahlukeneyo. Ayisiyiyo kuphela kwii-equity, njengoko unokukholelwa kwiindlela zakho zokuqala. Kodwa kunye nokulungiswa kunye nezinye iindlela zotyalo-mali. Ayityalwanga kuphela ngemveliso enye yemali.

Xa uthetha ngotyalo-mali, umntu kufuneka asoloko ebhekisa kwiiasethi zemali ezinamaxabiso acatshulweyo kwiimarike. Ngale ndlela, kwaye njengesiphumo se umthetho wonikezelo kunye nemfunoiya kuhlala ihluka. Yonke imihla nakuzo naziphi na iimeko. Akukho xesha ekuvunyelwene ngalo ngexabiso, njengoko kunjalo kwiimodeli zokonga. Kuya kufuneka uyazi kuphela ukuba yeyiphi na imithombo onokuyifumana kuyo.

Imodeli yokubalasela kolu didi lokusebenza kukulingana. Kwaye phakathi kwayo, ukuthengwa nokuthengiswa kwezabelo kwimarike yemasheya. Yimodeli osetyenziswe kuyo ukuba usebenze ngayo. Imele ithuba lokuvelisa inzuzo kwimisebenzi yakho yemali. Kodwa ngomngcipheko okhoyo ungaphulukana, Kwaye nemali eninzi ukuba izinto azihambi kakuhle njengoko ubucwangcisile kwasekuqaleni. Iphawuleka kuba unenye indlela onokutyala ngayo. Izalathiso, amacandelo okanye ukhuseleko kwiimarike zesitokhwe. Ngesixhobo esaziwayo kubo bonke abasebenzisi.

Utyalomali unako ukuhambisa ezinye iimveliso ngakumbi nangakumbi imali. Apho iinzuzo zakho zinokuphakama ngokubonakalayo, kodwa kunye nelahleko. Lo ngumdlalo owahlukileyo okhuthaza uninzi lwabatyali mali abancinci nabaphakathi. Apho uhlala uphumelela ngamanye amaxesha kwaye ngamanye amaxesha uyaphulukana. Imalunga nokwamkela ukubonelelwa komthetho kunye nebango kwiimarike zezabelo.

Utyalo-mali lungenziwa nakwingeniso esisigxina ngokuthenga iibhondi, ityala loluntu kunye nezinye iimveliso ezineempawu ezifanayo. Akumangalisi ukuba ezi asethi zemali zikwadweliswe kwiimarike zezemali, njengee-equities. Kuyinyani ukuba bakunika ukhuseleko olukhulu kwiindawo ezivulekileyo. Kodwa endaweni yokunciphisa isivuno kakhulu. Ngayiphi na imeko, le nxalenye yotyalo-mali inonxibelelwano oluthile kunye nokonga.

Ngokusebenzisa imali yotyalo-mali

Ukutyala imali kwingeniso esisigxina kunesixhobo esisebenzayo kuwe ukuze uthathe inxaxheba kwiiasethi zakho zemali. Ziyimali yotyalo-mali esekwe kwingeniso esisigxina. Abakuqinisekisi ngembuyekezo ethe ngqo, kwaye ungaphulukana nemali ngazo. Ngokukodwa ukuba imeko apho bathutha khona ayisiyiyo eyolwalamano lwabo. Kodwa nangayiphi na imeko, baxhomekeke kuluhlu kwiimarike zemali.

Kukho uphawu olwahlukileyo kwezi mveliso ezenza ukuba bakhethe ukutyala imali. Ayikho enye into enokwenzeka ukuba kuya kufuneka uyihlule kunye nezinye iiasethi zemali. Ngendlela ebonakala ifanelekile kuba unemali yotyalo-mali yazo zonke izinto ozithandayo kunye kuyo nayiphi na iprofayili yomtyalomaliUbundlongondlongo, ukumodareyitha, ukuzikhusela okanye phakathi. Awuyi kufumana imida kule nkalo.

Kungenxa yokuba, eyona njongo iphambili yale mali kutyalo-mali, hayi ukonga. Hayi ngelize, uzama ukuphucula ibhalansi yeakhawunti yakho yokujonga ngale misebenzi. Kwelinye icala, unethuba elihle lokuba unoluhlu olubanzi lwezindululo. Kuzo zonke iintlobo, nangawo nawuphi na umzuzu kuqoqosho lwamanye amazwe. Ngenxa yesi sicwangciso, uya kuba nakho ukufikelela kubungakanani bemivuzo ngonyaka ngamnye phakathi kwe-5% ne-10%.

Yintoni ukusindisa?

ndoloza

Lo msebenzi wahluke ngokucacileyo. Imalunga nokwenza ingxowa yokonga kwixesha eliphakathi nelide. Ngaphantsi kokubuya okuthozamileyo kunokuba kuya kubakho idityaniswe nexabiso lemali. Oko kuyakuchaphazela ukuba amandla akho okuthenga awaphumeleli njengoko ubufuna. Kwenziwa ngokusesikweni ngezicwangciso zokonga, iiakhawunti zokonga kunye nedipozithi yekota, ikakhulu.

Umahluko ophawuleka kakhulu ngokubhekisele kutyalo mali, kukuba kule meko uya kuhlala unesiqinisekiso Ubuncinci bokufumana inzuzo, nokuba incinci kangakanani. Iya kunyuka, kancinci, ikomkhulu eligcinwe kwiakhawunti yakho. Ayothusi into yokuba kukusebenza okusetyenziselwa abathengi abancinci okanye abadala ngeenkqubo zokukhuthaza ukonga phakathi kwabasebenzisi. Yenye yeemodeli ezikhethwa ngabasebenzisi abalondolozayo, abakhetha ukhuseleko kunamanye amaxabiso ezemali.

Eyona njongo yokonga kukubonelela ngemali kwikamva. Omnye wemizekelo ecace gca zizicwangciso zepenshini. Bakhonza ukuze abantu abadala bonwabele isongezelelo somvuzo kwimali yabo yomhlala-phantsi. Ngemali egcinwe ngaphezulu kweminyaka emininzi, naphambi kokuba umhlala-phantsi uqhubeke. Kwesi sicelo sodwa uyakubona ngokucacileyo umahluko phakathi kotyalo mali kunye nokonga.

Iimodeli zokonga

idiphozithi

Zininzi, kodwa azininzi njengezo zenzelwe ukutyala imali. Enye yezona zinto zixhaphakileyo ngokwesiko ziidipozithi zekota. Ufumana imbuyekezo ekuvunyelwene ngayo phakathi kwamaqela omabini oya kuyifumana rhoqo, minyaka le okanye xa iphelelwa lixesha. Nangona kunjalo, kwaye ngenxa ye- Ixabiso eliphantsi lemali ngabasemagunyeni bezemali be-European Union, ukusebenza kwayo kuncinci. Kuzo zonke iimeko, ngaphantsi kwesithintelo esibalulekileyo se-0,50%.

Enye yeemveliso ezisebenza ukukhuthaza ulondolozo ziiakhawunti ezihlawulwayo. Kodwa banengxaki efanayo nakwimeko yangaphambili. Ukusebenza kwayo ngokucacileyo akonelisi kwiminqweno yakho. Ukuhamba phantsi kwemida efanayo, okanye nokuba kusezantsi. Kukwanokuthethwa njalo ngamanqaku esithembiso ebhanki, enye yeemodeli zokugcina.

Elinye icebo oza kuba nalo kukusayina isicwangciso sokonga esithengiswa ngamaziko amaninzi emali. Yindlela yesiko yokwenza i ibhegi yokonga yexesha eliphakathi. Kuba kunye naye, anelise ezinye zeeminqweno zakho zangoko. Oku kunokubandakanya ukuthenga imoto okanye isithuthuthu, ukuthatha uhambo nabahlobo bakho, ukufumana imodeli ye-smartphone yamva nje okanye nawuphi na umnqweno onokuba nawo ngalo mzuzu.

Ukugqiba ngolu hlaziyo lweemodeli zokonga ezinikezelwa ziimarike, awungekhe uzilibale izicwangciso eziyilwe ziinkampani eziphambili zeinshurensi. Bakhuthaza ukonga kwabathengi ngemida eyomeleleyo. Kwizindululo ezithile banako inyuke ngaphezu kwe-3%. Injongo yokutsala imali kubathengi abatsha ngokusebenzisa iifomula zentengiso ezintsha. Ukuba sesinye sezona zicwangciso zinoburhalarhume ezikhoyo ngoku kwicandelo lokonga eSpain.

Emva kokuhlalutya umahluko phakathi kokonga notyalo mali, uya kuba nakho ukuhambisa ubudlelwane bakho nehlabathi lemali ngcono. Ukwazi ngalo lonke ixesha uhlobo lwemveliso ekufuneka uyirhumele. Izindululo, nangayiphi na imeko, awuyi kuphoswa.


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