Ukuba kukho umkhwa kwiimarike zezemali ezithi abatyali mali abancinci nabaphakathi bathande okuncinci, ayikho enye ngaphandle kwecala. Ayikulungelanga ukwenza ulondolozo lube yinzuzo kuba ayisiyiyo intsingiselo ecacileyo, nokuba kukwiqondo elinye okanye kwenye. Kuxabisa ngaphezulu, ke ngoko, ukusebenza nokhuseleko kuba imbuyekezo enokufunyanwa kubo incinci kakhulu kule meko
Umkhwa wokuhamba osecaleni uhamba kwinqanaba elincinci kakhulu, kwaye ngokubanzi ujongene nenkxaso kunye nokumelana nezinto ezinokutshintsha iintshukumo kwiimarike zezabelo. Ngapha koko, abatyali mali xa le meko ingacacanga ibonisiwe bahlala beyeka ukwenza nayiphi na intshukumo. Balinde eli kamva ukuba liphulwe kwelinye icala okanye kwelinye, kwaye ngale ndlela lichaze ezinye Icebo lokutyala.
Xa intshukumo esecaleni ikhula, ukubanakho kokufumana inzuzo kuncinci kakhulu. Abaqhele ukugqitha kwi-5% isithintelo, Kwaye konke oku kweyona meko intle yesiqhelo edla ngokwenzeka kule meko. Banezicwangciso ezimbalwa kakhulu zokwenza ulondolozo lwabo lube nenzuzo kwaye bonke bahamba ngamaxesha amafutshane okusisigxina, nakwiseshoni efanayo yokuthengisa ekusebenzeni kwabatyali mali abakhohlakeleyo kwimarike.
Utyekelo lwamva: Kutheni isenzeka?
Babonisa ukunqongophala kwenkcazo yeemarike zezemali. Kwelinye icala, iindaba azincedi ukudibanisa izikhundla ezixhasayo, kwaye kwelinye icala, iimarike ze-equity azikho mbi kangako ngokwenza ukwehla okukhulu kumaxabiso abo. Njengomphumo wale meko hamba phakathi kwamanqanaba achaziweyo, ngokunyuka okuqhubekayo kunye nokunyuka, kodwa ngaphandle kokudlula iindawo ezibalulekileyo kwixabiso lazo.
Kuyinyani eyenzeka ngamaxesha athile xa iimarike zezemali zibonisa ukungaqiniseki okukhulu kwaye ngenxa yendaba okanye imicimbi enokwahluka lo mkhuba kwixesha eliphakathi okanye elide. Nokuba kufikelela ekuphelelweni lithemba kwe abatyali mali abangazi ngenene ukuba mabenze ntoni, nokuba kungena kwiimarike, nokuba kuthengiswa izabelo zabo okanye eminye imisebenzi ebaluleke ngokukodwa. Akumangalisi ukuba ngokuqinisekileyo uya kubandakanyeka kutyekelo lwezi mpawu ngaphezu kwesinye.
Ukuba kunyanzelekile, eyona nto intle ukuyenza kukulinda nje. Kukho utshintsho kwaye unokuchonga ukuba loluphi uhlobo lomsebenzi onokuwenza. Yinto elula nje leyo, awunakukhetha ukusebenzisa ezinye iindlela zokutyala imali. Ngale ndlela, ukuhamba kwexesha kuya kuba lelona qabane lakho lifanelekileyo ukufezekisa imeko efanelekileyo kwimidla yakho njengomtyali mali omncinci onguye.
Ngaba imeko yecala ihlala ixesha elingakanani?
Kwiimarike zezabelo, ukubambezeleka akusoloko kuqhubeka ekuhambeni kwexesha. Ngokwesiqhelo ayidluli kwiinyanga ezi-3 okanye ezi-4, nangona kukho iimeko ezizodwa ngokwenyani ezihlala zifuna ukwandisa le mihla kwaye ziphantse zihlale iinyanga. Yeyona meko imbi enokuthi iboniswe kwimidla yakho. Oko kukuthi, mva kunye neenyanga ezininzi ngaphambili. Kuncinci onokukwenza kwezi meko zichazwe gwenxa.
Ukuya kwinqanaba lokudikwa kwaye jongana nolondolozo lwakho kwezinye iimveliso zemali, kubandakanywa iziphumo zengeniso esisigxina. Ayothusi into yokuba baya kukubonelela ngembuyekezo emiselweyo kunye neqinisekileyo onokuyenza ngayo inzuzo yeasethi yakho. Ngaphandle kokwazi ngento enokwenzeka kwiimarike zezabelo. Kuyinyani ukuba xa intshukumo yecala isaphula yenza njalo ngamandla amakhulu. Kwaye kulapho unokuthatha khona ithuba lokwenza imisebenzi enenzuzo ngempumelelo enkulu.
Nokuba yeyiphi na indlela, inye into eqinisekileyo kwaye yiyo leyo imeko esecaleni ayihlali ngonaphakade. Ngokukhawuleza okanye kamva iyaphela, ukuhambisa intshukumo ephezulu okanye esezantsi, kuxhomekeke kwimeko yeemarike zezemali. Ngulo mzuzu kanye apho kufuneka wenze isicwangciso-mali esichazwe kakuhle esifezekisa izinto ozilindeleyo. Kwaye eyona meko intle yokufumana inzuzo eyinkunzi, kwithuba nje elifutshane.
Iindlela zotyalo-mali
Ngexesha lokuhamba okulandelayo awuyi kuba nezenzo ezininzi zokuphucula ukusebenza. Ziya kuthintelwa kakhulu, kwaye azisebenzi kakuhle. Kwiimeko ezininzi, bathabatha ithuba lokuhamba okuncinci ngexesha elifutshane kakhulu. Eli lixesha kanye apho imisebenzi yakho kwimarike yemasheya kufuneka ibhekiswe khona. Ngaphandle kokukhawuleza ixesha elimisiweyo.
Kuya kulungeleka kakhulu ukuba kule meko yokungaqiniseki okukhulu ufake isicelo sokunciphisa umda welahleko kwimeko yokwehla okunokubakho kwexabiso lamaxabiso. Ngale ndlela uya kuthintela ukufumana ukucaphuka okungaphezulu kwesinye. Ukwengeza, isixa semisebenzi akufuneki sibe phezulu kakhuluNgokuchasene noko, ilawulwa ziimfuno kwimeko nganye. Ungaze ube phantsi kwesixa esimele ngaphezulu kwe-60% yemali eyinkunzi efumanekayo kutyalo-mali
Bonke abatyali mali bayavumelana ngento enye, kwaye yiyo loo nto kufuneka ubenjalo ngokukhawuleza kwezorhwebo kunezinye iindlela. Awungekhe usilibale esi siqalo ukuba ufuna ukufumana imbuyekezo engcono kwimisebenzi ephuhliswe phantsi kwale meko. Ayothusi into yokuba, nakuphi na ukungakhathali onako ukuhlawula kakhulu. Ukushiya i-euro ezininzi apha endleleni. Yinto ekufuneka uyiphephe phantsi kwazo naziphi na iimeko.
Ukhetho lotyalo mali
Kule meko imeko esecaleni kwiimarike zamasheya zamanye amazwe, awuzukukhetha ngaphandle kokuya kwiimveliso ezibonisa le meko. Zimelwe ziimali ezithile zotyalo-mali lolunye uhlobo. Ngayiphi na imeko, kukho iintshukumo ezithile abanokuthi bazenze phantsi kwazo naziphi na iimeko. Ngomngcipheko wokuba isikhundla sabo sibandakanya, kwaye oko kuya kuqala kwezi zenzo zilandelayo.
- Lungisa ii-odolo zokuthenga kwi Elona jelo liphezulu lexesha elisecaleniNgaphandle kokuba amanqanaba oxhathiso agqithile.
- Utyalo-mali lwakho kufuneka lubhekiswe ngqo kwixesha elifutshane, ukuze ungavezwa kukutshintsha kwezinto okunokushiya ubambekile kumaxabiso akhethiweyo.
- Amaqhinga oza kuyila akufuneki zibonakaliswe ngokuhamba ngesiquphe ngaphakathi kwendlela esecaleni, kuba banokusenza nzima isikhundla sakho kwiimarike zezabelo, nakumanqanaba ekunzima ukuwacinga kulo naliphi na iprofayili yomtyali mali.
- Ukuba, ngaphandle kwayo yonke into, uthatha isigqibo sokuvula izikhundla kwimarike yemasheya, akufuneki wenze njalo phantsi kwazo naziphi na izikhokelo ezinobundlongondlongo. Kuya kufuneka bhenca isixa semali esingabalulekanga kangako, kwaye awuyi kuyidinga kwiinyanga ezimbalwa ezizayo.
- Awuyi kukhetha kodwa khetha ukhuseleko olungamanzi kakhulu, ekuvumela ukuba uphume ngokukhawuleza kwiimarike zezemali kwezona meko zintle kakhulu kwimidla yakho yobuqu kunye nokonga.
- Sukujonga ukwenza amaxabiso otyalo-mali otyalo-mali avelisayo amathandabuzo amaninzi kwiimarike ingeniso eguquguqukayo. Yeyona nto inokukunika ukungathandi kule meko inengxaki njengoko kunjalo.
- Ukuba ufuna khusela imali oyongayo, eyona ndlela ilungileyo oza kuyisebenzisa kukusebenzisa iodolo yokuthengisa ethintela ukuba ungaphulukani nemali eninzi kwimisebenzi eyenziweyo phantsi kwale meko kwintengiso yemasheya. Ukwazi ukuba uya kuba namathuba angcono okufumana kwakhona isikhundla sakho nakweyiphi na kwezi marike.
Ukwahluka kwiindices ezahlukeneyo
Enye into ekufuneka uyiqwalasele kukuba ukubambezeleka akusoloko kubakho kuzo zonke ii-indices zesitokhwe, kwaye kungaphantsi kakhulu kuzo zonke izinto ezikhuselweyo. Ungalibali ukuba uza kugxila kutyalo-mali lwakho kwiimarike zokulingana. Hayi lilize, ungaya kwabo bangekho phantsi kwempembelelo yalo mkhuba uqhelekileyo. Kusoloko kukho amathuba okutyala imali, kwaye ngakumbi ukuba ziyilelwe kwi-uptrend, okanye ubuncinci zixutywe neentshukumo ezisecaleni.
Nangona isalathiso esifana nemeko ethile yokhetho lukazwelonke sinokuhamba phantsi kwendlela yokubhengeza ebalaseleyo, oko akuthethi ukuba wonke umntu kufuneka alandele umgca wendlela efanayo. Akukho kuncinci, ngethamsanqa kubatyali mali abancinci. Kwenzeka rhoqo rhoqo ukuba amanye amaxabiso aso akenzi phantsi komgaqo ofanayo wezenzo. Kwaye ngakumbi ezinye ii-indices ezivela kwezinye iindawo, kufutshane kakhulu nezethu.
Kwezi meko siziphakamisayo, ukuvela kwexabiso lalo kuya kwelinye icala, oko kukuthi, ngokunyuka okuphezulu okanye okuphantsi, okunokuthi okanye kunganyulwa nguwe ukuba uvumelane nepotifoliyo yakho yotyalo-mali ukusukela ngoku. Nokuba uphantsi kwesicwangciso sobundlongondlongo, injalo nomnqweno wakho kwiinyanga ezimbalwa ezizayo.
Ukusuka kule ndlela yotyalo-mali, awungekhe ulibale ukuba elinye lawona macebo asebenzayo ayanyanzeleka ukuba ajongane neenqobo ezisemgangathweni yenza ngcono kunesalathiso ngokubanzi. Baza kuba kuloo mizuzu abo babonisa elona thuba lihle lotyalo-mali. Ngamandla amakhulu okuhlaziywa kweenyanga, okanye nangamaxesha amfutshane ukuba leyo yiprofayili yakho njengomtyali mali omncinci.
Kwelinye icala, ukhuseleko olunokuvela kakubi ngakumbi kunesalathiso semakethi esitokhwe. Kule meko ithile, awuzukukhetha ngaphandle kokubashiya ngaphandle kwizithuba ezivulekileyo oza kuzenza zibe sesikweni. Ubeka umngcipheko wokuba uza kuphulukana nenxalenye yempahla yakho ukuba ukhetha ezi ntshukumo kwiimarike zezabelo.
Kusenokubakho amatyala okhuseleko olucingelwayo. Iziphumo ziyingozi ngakumbi kunezinye iindlela. Ukwazi ukunxibelelana nawe ukuba ukuvela kwexabiso labo akuhambelani nokulindelweyo ozifake kwezi nkampani. Sukulibazisa ukuyeka ukuthatha izikhundla kule klasi yezokhuseleko. Ukulingana phakathi komngcipheko kunye nokubuya ngokuqinisekileyo akuyi kukuhlawulela wena okanye abanye abatyali mali. Iya kuba ngumzuzu xa ubeka zonke ezi ngcebiso.