Imveliso elula kakhulu ukuba ingene kwisivumelwano, kodwa kwangaxeshanye inzima ekwakhiweni kwayo zezi mali mali. Ukuthintela ukuba ungabinangxaki nabo, Uya kudinga ukuqokelela lonke ulwazi malunga neemveliso zemali. Indlu enye yazo yahlukile, kwaye ziya kuba nobume obuhluka ukusuka kwimodeli enye ukuya kwenye. Awunakukhetha ngaphandle kokufumana incwadana eya kuthi ithunyelwe kuwe ivela ebhankini, okanye kumphathi wale mali.
Kuya kufuneka bayithumele kuwe kwiintsuku nje ezimbalwa zokurhuma. Kwaye ukuba nangasiphi na isizathu awuzange ubamkele Kuya kufuneka wazise ibhanki yakho ukuba ikuthumele yona ngokulibaziseka okuncinci. Ngale ndlela ke, kufuneka ube nolwazi olwaneleyo ukuze wazi ngokuqinisekileyo apho utyalomali ulondoloze khona kwaye zeziphi iimpawu ezibonelelwa yingxowa-mali ebhalisiweyo.
Ulwazi ngengxowa-mali
Uxwebhu oluphambili oluya kuthunyelwa kubathathi-nxaxheba beemali zotyalo-mali ziya kuba ziincwadana ezinemifanekiso. Kolu xwebhu uya kuba nayo yonke idatha kuhlobo lwemveliso abayithengileyo. Ngokwengxelo ekhutshwe yi-Inverco, uMbutho waMaziko oTyalo-mali aHlanganisiweyo kunye neNgxowa-mali yoMhlala-phantsi, ama-66% abantu ababhalisele kwingxowa-mali yotyalo-mali khange bazifunde iincwadana ezinolwazi abanokufikelela kuzo. Kwaye kwinqanaba elisezantsi, abakhange bade bayiqonde
Ngokuqonda kwakho, unokuqonda ukusukela ngoku ukuba kutheni imali iphinda ihlaziywe, okanye ngokuchaseneyo, yehlisiwe kwiimarike zezemali. Kwaye yinxalenye ebaluleke kakhulu kwinkqubo yotyalo-mali, eya kufuna ukuzimisela ukuyifunda kubatyali zimali abancinci nabaphakathi, njengoko kunjalo kwimeko yakho. Hayi ngelize, jonga la manqaku alandelayo alandelayo aya kuba luncedo kubo bonke abasebenzisi.
- Ukwakhiwa kwemaliUhlobo lotyalo mali lwengxowa-mali luya kubandakanywa ngokweenkcukacha, kunye nokuba zeziphi ii-asethi eziyimali imveliso eyenziweyo: ezinzileyo, eziguqukayo, enye ingeniso, nokuba inezikhundla kwimarike yemali okanye yemali.
- Imvelaphi yeeasethiImvelaphi yezi ngxowa-mali kufuneka zichazwe, zombini kwiimarike zengeniso esisigxina nakumahluko. Kwaye ngokuqinisekileyo inani elabelwe iasethi nganye yezemali. Inokuba yeyasekhaya, yaseYurophu, yehlabathi, okanye evelayo.
- Imbuyekezo eqokelelweyo: Olunye ulwazi olunokuthi luqwalaselwe kolu lwazi luya kuthunyelwa kwidilesi yakho kukufumana inzuzo kwezi mali kule minyaka idlulileyo. Iya kubonakala kakhulu, kwaye kuyo nayiphi na imeko ayizukuthetha ukuba iya kuphinda ikhule kule minyaka imbalwa izayo. Njengoko ubona kwimithambo nganye yahlukile, ayifani.
- Iziqendu: ukuba nakweyiphi na imeko iya kubandakanya umvuzo kwi-saver, kufuneka ibonakaliswe kwezi ncwadana, kunye nexesha layo (inyanga nenyanga, ngekota, semi-ngonyaka okanye ngonyaka). Ukuze uyazi, ngamaxesha onke, imali oyakuyifumana kule ntlawulo minyaka le, njengoko isenzeka kwimarike yesitokhwe.
- IiKomishini: iya kuba yenye yezinto ezifundisayo onikwa zona ziincwadana ezinemifanekiso. Apho kuya kufuneka ubandakanye ukuba yeyiphi intlawulo oza kuhlawuliswa ngayo ngokusesikweni kwayo, kwaye kunjalo, nesixa sayo. Banako ulawulo, idiphozithi, ukuhanjiswa, njl.
- Mngcipheko: iya kuba luxanduva lomphathi wengxowa-mali uqobo ukukuxwayisa ngemingcipheko ozibeka kuyo kwezinye zeemali zotyalo-mali ongene kuzo, kunye neprofayili yomtyali mali ezijolise kuyo ezi mveliso zezemali. Ayothusi into yokuba ezinye zazo zimele umthombo wokungaqiniseki ngokusesikweni, onokungakwazi ukukucinga. Ngokukodwa ukuba uyinxalenye yeqela labatyali mali abazikhuselayo.
Eminye imithombo eyenye
Nangona kunjalo, kuya kufuneka ukhumbule ukuba ezi ncwadana zinokuba nzima ukuqondwa ngokuchanekileyo, ngakumbi i abantu abanolwazi oluncinci lwezemali okanye abanalo kwaphela. Ukuba le yimeko yakho ekhethekileyo, awuzukukhetha ngaphandle kokucela uncedo kwibhanki yakho yesiqhelo ukuze uchaze ngokucacileyo ukuba yeyiphi imveliso abanayo. Okanye ukucacisa nje inqaku ongaliqondiyo ngokuchanekileyo. Kwaye ngenkonzo yotyalo-mali baya kulawula imfuno ngokukhawuleza, ngeqela leengcali kolu hlobo lotyalo-mali.
Ngayiphi na imeko, uneminye imithombo apho ungaya khona ukufumana ulwazi malunga nengxowa mali. Abayi kuba nzulu njengeencwadana ezisemthethweni zeenkampani zolawulo, kodwa ubuncinci uya kuba nakho ukwanelisa ibango lakho ngokubhekisele kwiimpawu zotyalo mali ezenza ipotifoliyo yakho yotyalo-mali.
Enye yeendlela ezifikelelekayo, kwaye kwangaxeshanye ilula, kukuya kwiwebhusayithi yebhanki apho usebenza khona rhoqo. Kufuneka ibenolwazi kwimali abayithengisayo, kuxhomekeke kuyilo lwewebhu. Ayizizo zonke izinto ezibandakanyiweyo kule nkonzo, kwaye zichanekile ngokuchanekileyo Iibhanki ezikwi-Intanethi ezahlukileyo ngokunikezela ngeyona nkonzo ibalaseleyo kwezi ziqulatho.
Ngokukwanjalo, kukho uluhlu olubanzi lwamaphepha afundisayo abandakanya ezi datha, ngamandla amakhulu okanye kancinane, kunye nalapho eme khona. ezo zivela kubalamli bezezimali, okanye umzimba ukukhusela abasebenzisi. Kuya kukunceda ukuba ube nedatha ethile, nokuba ufuna ukwazi ukuba leliphi elona xabiso lezabelo zakho kwingxowa mali yotyalo mali. Kuzo zonke, awuyi kuba nesisombululo ngaphandle kokuya kweyona mithombo yolwazi, kwaye oko kunika ukuzithemba okukhulu.
Iingxaki ezinokuvela
Ayikho imfihlo leyo Ukuqokelela ulwazi kwiingxowa mali mutual kunzima kakhulu Kunorhwebo lwemfuyo lwesiNtu. Akumangalisi ukuba eyokuqala yeemveliso yenzelwe ixesha elandisiweyo lokusisigxina, ukuqala kwiminyaka emi-3 okanye emi-5, ngenxa yokuhamba kancinci kokusebenza kweemarike zezabelo.
Ngayiphi na imeko, kuya kuhlala kukho iimeko apho uya kuba nombuzo malunga neengxowa-mali zotyalo-mali ozibhalisileyo. Banokuba ziindidi ezahlukeneyo, ukusuka kubuchwephesha bezobuchwephesha, kwindlela onokuthi uzivale ngayo izikhundla kuzo. Ngaphambi kokuyiqesha, kuyakufuneka ukuba ube nalo lonke ulwazi malunga nabo, kwaye ngale ndlela uyayiphepha nayiphi na ingxaki kwezi zoyilo zijolise kutyalo-mali.
Enye yezona zinto zibalulekileyo kukwazi apho ubeke imali khona. Akumangalisi ukuba uninzi lwabatyali zimali abambalwa bengayazi nokuyazi, kuba bayirhumele ngaphandle kwemfuno ezinkulu. Kwaye mhlawumbi xa belahlekelwa yimali kwizabelo zabo bayayiqonda impazamo abayenzileyo. Ngenxa yale meko, olona ncomo lubalaseleyo lusekwe kukungasayini nayiphi na ingxowa-mali ngaphandle kokwazi umxholo wayo.
Kuya kufuneka uyazi nenxalenye oyityalileyo kwi-asethi nganye yemali enikwe amandla ziimarike zezemali. Usenokungazi nokuba ukhetho olukhethwe nguwe lusekwe kwingeniso esisigxina okanye eguquguqukayo, okanye isenokuba yendalo exubeneyo. Kuya kufuneka uphephe le meko ingathandekiyo.
Imimandla yejografi apho iingxowa-mali ezihlanganisiweyo kwipotifoliyo yakho yotyalo-mali zichanekile ayinakubaluleka kangako. Enye impazamo enkulu onokuthi uwele kuyo nangaliphi na ixesha, ukuba awuyifumani ngaphambili le datha. Nokuba yeyiphi indlela, uya kuba nakho ukuyisombulula ngexesha ngokubonisana nebhanki, okanye nangomphathi uqobo, kwaye nakweyiphi na imeko baya kukuxelela ngokukhawuleza ukuba ukhethe iYurophu, eyomhlaba wonke okanye evelayo iimali.
Ezona mpazamo ziqhelekileyo
Enye yeemeko apho abatyali mali abanolwazi oluncinci kwiimarike, okanye ubuncinci, abanolwazi olwaneleyo lwezemali, kukukholelwa ekubeni imali esekwe kwingeniso esisigxina ayinakuhla. Kububuxoki ngokupheleleyo obu bango, njengoko uya kube uqinisekisile kwiinyanga ezidlulileyo. Ewe banako ukulahla kwixabiso lokwenyani lezabelo, kwaye nangobunewunewu obukufutshane naleyo yezabelo.
- Enye inkolelo ephosakeleyo kukucinga ukuba ekuhambeni kwexesha yonke imali yotyalo-mali ivelisa imbuyekezo kulondolozo. Ngokwesiqhelo le yimeko, kodwa kwisibonelelo sangoku kukho iimodeli ezithile eziye zaphuhlisa ukwehla okukhulu kule minyaka ili-10 idlulileyo. Ngomngcipheko wokuba ungaphulukana nenxalenye ebaluleke kakhulu kulondolozo olutyaliweyo.
- Kwelinye icala, abanye abatyali mali banoluvo lokuba ngezi mveliso zemali abanakukwazi ukufumana uphononongo olubalulekileyo lweeasethi zabo. Kuyinyani, kuba ezinye iimali kule minyaka idlulileyo-ngakumbi ezo zivela kwii-equity-ziye zabuya nembuyekezo yonyaka ukuya kuthi ga kwi-50%, kwaye kwiimodeli ezinobundlongondlongo ziye zaba nesisa ngakumbi.
- Kwaye ayiyonyani ukuba izixa ezikhulu kufuneka zibe negalelo kolu hlobo lotyalo-mali. Hayi kangako, kuba ukusukela kwi-euro ezingama-1.000 ungenza ngokusesikweni ingxowa-mali, naphantsi kweemeko ezifanayo zesivumelwano. Akumangalisi ke ukuba yenye yeemveliso zezemali ezilungiselelwe yonke imizi, kwaye ngaphandle kwezithintelo. Nangona kuyinyani ukuba ezinye iimodeli zifuna ngakumbi kwaye zifuna indawo enokhuphiswano ngakumbi.
- Kwaye kunokwenzeka ukuba kwezinye zazo ungabinakho ukuyithengisa okanye ukuyigqithisela okwethutyana, njengoko ufuna isabelo sabathathi-nxaxheba, kwaye baya kukuthintela ukuba ushiye izikhundla zabo ngexesha olifunayo. Ngayiphi na imeko, ukuba ufunda iincwadana zolwazi zeenkampani zolawulo ngononophelo, awuyi kuba nangxaki ukuphuma kwezi meko, kunye nezinye ezinokuthi zikhule ngexesha lobomi bakho njengomtyali mali kule klasi yeemveliso. Kwaye ngaphandle kokuba zintsonkothe ngokugqithisileyo, zifuna ingqalelo enkulu kwinxalenye yakho.