Ukuba kukho nawuphi na umsebenzi obaluleke kakhulu ukumisela impumelelo yotyalo-mali lwakho, ayiyi kuba yinye ngaphandle kweentengiso oziphuhlisayo kwiimarike zemasheya. Kwaye ngakumbi kuya kubaluleka kakhulu, kungekhona nje ukwandisa utyalo-mali, kodwa khusela imali oyigcinileyo ngaphambili ngakumbi iimeko ezingathandekiyo kwimidla yakho. Kuya kufuneka wazi ukuba uza kuyenza nini iodolo yakho yokuthengisa, kwaye phantsi kwaziphi iimeko.
Ndiqinisekile ngokuqinisekileyo ukuba Umahluko phakathi kokufaka intengiso eyiyeyona ilungileyo kuleyo ingekho lungileyo uya kuba mkhulu., kwaye kuya kuba nee-euro ezininzi ezisengozini, ongafanele uxolele phantsi kwazo naziphi na iimeko. Ngokuqinisekileyo ngaphezu kwesihlandlo esinye kwimbali yakho njengomtyali-mali omncinci uya kuzibuza ukuba kutheni ungawenzanga lo myalelo, kwaye ngale ndlela ubuya kuzisindisa kwiingxaki ezininzi ngenxa yotshintsho. Ukususela ngoku awusayi kuba nezizathu zokuphinda le meko ingathandekiyo.
Isindululo sokuqala sokuqhuba ngempumelelo imisebenzi yakho kwiimarike zezabelo kukwazi ukuba nini, kwaye Kuphantsi kwaziphi iimeko apho kufuneka uthengise izabelo zakho? kwiimarike zamasheya. Kwezinye iimeko, iya kuba kukuvala imisebenzi kwaye ukonwabele inzuzo eyinkunzi evela kumsebenzi wakho. Kodwa kwezinye iimeko iya kuba nzima ngakumbi, kwaye eyona njongo yayo iphambili iya kuba kukukhusela inkunzi etyaliweyo, kubandakanywa nokuthintela ilahleko ukuba ibe mandundu kwaye imiselwe ngokuqinisekileyo ngexesha leeseshoni zorhwebo ezilandelayo.
Nangona kunjalo, esi sigqibo, esiya kuba somntu kakhulu, siya kuxhomekeka kwezinye iinguqu ezingaxhunywanga kwiimarike zezemali, kuncinci kwixabiso lesabelo. Kwelinye icala, iprofayile oyinikezelayo njengomtyali-mali othengisayo. Nokuba unobundlongondlongo, unogcino okanye uphakathi kuya kumisela iodolo yokuthengisa ngandlela thile.. Kwakunye nexesha obhekisa kulo utyalo-mali lwakho: elifutshane, eliphakathi okanye elide. Kuxhomekeke kuzo zonke ezi zinto, kunye nezinye oya kuzifumana kweli nqaku, kuya kufuneka uphuhlise intengiso yakho kwiimarike ngendlela enye okanye enye.
Ukukunceda uphuhlise isicwangciso esichanekileyo sotyalo-mali, awuyi kuba nako ukukhetha ngaphandle kokulandela uthotho lwezikhokelo zezenzo eziya kuba luncedo kakhulu ngalo lonke ixesha ucinga ukuvala imisebenzi. Ukongeza, ayizukuxabisa kakhulu ukuzisebenzisa, kuba zinikwe amandla kuzo zonke iintlobo zabatyali-mali.
Abanye unokuthi u-intuit, okanye ukhe wafaka isicelo ngaxa lithile ebomini bakho. Kodwa ngokuqinisekileyo abanye baya kuba basemzini kwindlela yakho yesiqhelo, kodwa banokukukhupha kwiingxaki ezingaphezulu kwesinye kubudlelwane bakho neemarike zezabelo. Nakwindlela ngokuqinisekileyo yantlandlolo, kwaye ubungayazi.
Isitshixo sokuqala: lungisa ukuchasa
Inqaku lokuqala lereferensi yokuphumeza iiodolo zokuthengisa kukuvala ekufikeni kwinqanaba elithile elibalulekileyo lokuchasa kwiikowuti. Ngesiqhelo iyakumisa indlela yokuya phezulu yamaxabiso achaphazelekayo, kwaye oko kunokuba ngumqondiso wokwenza izilungiso ezibalulekileyo kula manqanaba. Nangona kunjalo, ukuba bayaloyisa ukuxhathisa, amandla okuhlaziywa makhulu kakhulu. Nangona kungacebisekanga ukuba ubeke emngciphekweni ngokugqithisileyo, kwaye kufuneka ukhethe ukusebenzisa intengiso ukuze ukonwabele iinzuzo ezizuziweyo.
nayo, inkxaso ngamanye amanqanaba abaluleke kakhulu kutyalo-mali lwakho. Hayi ilize, xa zophulwa, ziya kuba sisizathu esifanelekileyo sokuba uvale imisebenzi ngokukhawuleza. Ngaphandle kokuba uchanabeke kwilahleko eyandayo kwipotifoliyo yakho yotyalo-mali ngokusisigxina. Yiyo loo nto kubalulekile ukuba uwahloniphe la manqanaba aboniswe zizicaphulo, kwaye ngokusekwe kuzo wenza ngokusesikweni ukuthengisa kwakho kwiimarike zezabelo.
Isitshixo sesibini: phambi kweemfuno zokungabi namali
Ukuba utyalo-mali lwakho luvelisa inzuzo, kwaye kuyo nayiphi na imeko, kufuneka uhlawule imali ukuze ujongane neendleko zobuqu: amatyala atyalwa abantu besithathu, ukuhlawulwa kwamatyala, okanye ukuxhasa uhambo olulandelayo nosapho lwakho, Akufanele uvumele ithuba lidlule kwaye uthengise izabelo zakho. Akufanele uzame ukucudisa eyona nzuzo inkulu enokuthi yenziwe, kuba nakuphi na ukubuyisela umva kwiimarike zemali kunokonakalisa inzuzo yakho kwimarike yemasheya.
Isitshixo sesithathu: emva kohlaziyo olukhulu
Kwimeko apho izabelo zakho ziye zathakazelelwa ngenxa yokunyuka ixesha elide, eli iya kuba lelinye lamathuba apho kufuneka ucinge ngokuvala imisebenzi. Hayi ilize, usengozini yokuba izabelo zithande ukulungisa amaxabiso azo, nangendlela evakala kakhulu. Ukuya kwinqanaba lokukhawulela, okanye nokurhoxisa, inxalenye yenzuzo yakho. Akufanelekile ukuqhubeka kunye nezikhundla ezivulekileyo kwiimarike zamasheya.
Okubaluleke ngakumbi amanqanaba okuthenga ngokugqithisileyo, enika izibonakaliso ezicacileyo ukuba kwiiseshoni ezizayo ukuthengisa kuya kunqoba ukuthengwa. Yenye yeemeko ezifanele ukubandakanya ukuba uyeke ukusebenza, nokuba okwethutyana. Nokuba kunokwenzeka ukuba uthenge kamva izabelo, kodwa ngamaxabiso aphantsi.
Isitshixo sesine: phambi kwalo naluphi na uphawu lobuthathaka
Yonke into isenokukuhambela kakuhle kwipotifoliyo yotyalo-mali othe wayibeka ndawonye kwiminyaka embalwa edlulileyo. Kodwa xa kuthe kwakho nabuphi na ubuthathaka, nokuba kukwiimarike zesitokhwe, okanye kwinkampani ngokwayo apho unomnini-zabelo, iya kusebenza ukuhlenga izabelo zakho ngokukhawuleza. Hayi ilize, inokuba Ingabula-zigcawu yeentshukumo zokulungisa ubunzulu obuphezulu.
Esinye sezicwangciso eziluncedo kakhulu zokujonga eli lizwe liya kuba lincinci kwixabiso layo liya kuhla. Uphawu oluya kuthetha ukuba utshintsho lwendlela luzimise ngokuqinisekileyo kwixabiso othe wathatha ngalo izikhundla. Esona sisombululo silungileyo siya kuqala kumyalelo owunika ibhanki ukuthengisa inxaxheba yakho.
Isitshixo sesihlanu: ukwenza ngaphandle kokunyoluka
Ungazami ukunyanzela inzuzo kwi-equity, kwaye ngale ngqiqo loo ntetho yakudala isetyenziswa ngoqeqesho kwiimarike zemasheya kwaye ithi loo nto. “Iyuro yokugqibela iya komnye umntu”. Icebiso elilungileyo, eliya kukunceda ngokungathandabuzekiyo izihlandlo ezingaphezu kwesinye, nelinokuthi abona batyali-mali banamava banokungqina ngalo malunga nesicelo sakho kunye neenzuzo ezizivelisayo.
Kungcono, kwelinye icala, musa ukungxama kwindlela ye-bullish yesitokhwe, kunokuba ubanjelwe emarikeni. Kwaye le meko inokukukhokelela ekuthengiseni okubi kakhulu, uninzi lwazo kunye nelahleko enkulu eya kuthi ilinganise izinto zakho zobuqu. Ukunqanda ezi meko, zixhaphake kakhulu phakathi kwabatyali-zimali abathengisayo, esona sicwangciso silungileyo sokukhusela umdla wakho siya kuba kukusebenzisa umyalelo wokuthengisa onciphisa ilahleko. Kuya kwenzeka ngokusebenzisa ilahleko eyaziwayo yokuyeka, eya kukunceda ufezekise iinjongo zakho.
Isitshixo sesithandathu: thatha iimpazamo ezenziweyo
Ekugqibeleni, yonke into inokuba lula njengoko wenze impazamo ekukhetheni izibambiso ezenza ipotfoliyo yakho yotyalo-mali. Okanye izicatshulwa zabo azishukumi njengoko ubulindele ekuqaleni. Kule meko, kuya kufuneka uyivume impazamo kwaye uthengise izabelo ngqo, ukulahlekelwa yimali ekusebenzeni. Akusayi kubakho kukhetha ukuba awufuni ukuba imeko yakho ibe mbi ngakumbi kwizinto onomdla kuzo.
Ukongeza, kuya kukunceda uqondise ngokutsha isicwangciso sakho sotyalo-mali kwezinye iinkampani ezidwelisiweyo, ngokuqinisekileyo ezinethemba elingcono lokukhula kumaxabiso azo. Kwaye wenze i-amortize ukusilela koqhagamshelwano lwakho lwangaphambili kunye neemarike. Nditsho, Unokukhetha kwizibambiso ezinezivuno eziphezulu kakhulu zezahlulo, ukuya kuthi ga kwi-8%. Baya kubuyekeza ilahleko eqokelelwe yisenzo sangaphambili.
Isitshixo sesixhenxe: lungisa ixabiso lokwenyani lezabelo
Enye yezona njongo ziphambili zeeparameters zokuthengisa izikhundla zakho ze-equity iya kuba xa izabelo zisondela kwixabiso labo ekujoliswe kulo, iya kuba lixesha apho kuya kufuneka uzilahle. Ngale ndlela, idatha enikezelwe ngabathengisi iya kukunceda uphuhlise inkqubo yokuthengisa. Abafane bagqithe kwikoteyishini yabo ngaphezulu kwe-10%. Ayifanelekanga ingozi yokufikelela kula manqanaba.
Enye into eyahlukileyo kakhulu kukuba utyalo-mali lwakho lurhweba kude kakhulu kula maxabiso, ngoko ke imida yokuqhubeka kwizikhundla zakho iya kuba bhetyebhetye ngakumbi. Kwaye nomgama owaneleyo wokufumana iinjongo ezinqwenelekayo ukusuka ekuqaleni.
Isitshixo sesibhozo: baleka iindaba ezingathandekiyo
Kwimeko yazo naziphi na iindaba okanye isiganeko esiphawulekayo esonakalisa ixabiso lezabelo zakho, isicwangciso esikhawulezayo sokukhusela ukonga kwakho asiyi kuba yinto enye ngaphandle kokuthengisa izabelo. Kwezi meko, ezikwaxhaphakileyo kwiimarike zezemali, akuqhelekanga ukuba abalamli abaphambili benze uhlaziyo oluhlayo kwixabiso labo ekujoliswe kulo.
Kwakhona iindaba ezimbi malunga ne ukuvela koqoqosho kwihlabathi jikelele Ziya kudluliselwa kumaxabiso eenkampani, ezihlayo kwiiseshoni ezimbalwa zokurhweba. Ngokuqinisekileyo, unokukulungisa oku ukuba, xa iimpawu zokuqala zobuthathaka zivela kwiimarike, ekugqibeleni ugqiba ekubeni uvale zonke izikhundla ozivulile ngelo xesha.
Isitshixo sesithoba: kunye neempawu zokudinwa
Amaxesha amaninzi intuition yomtyali-mali ithatha isigqibo ekujongeni ukuba amaxabiso ezabelo aya kuvela njani na kwiiveki ezizayo. Bade bafikelele kwisigqibo sokuba ixabiso ekuthethwa ngalo linoluhlu oluncinci, okanye ubuncinci, ukuba amandla ayo okuhlaziya aphelile. Eli akuyi kuba lixesha lokubeka emngciphekweni izikhundla zakho zokuthenga.
Iimpawu ezibonisa le meko, kwelinye icala, inokubonwa ngokugqibeleleyo ngegrafu. Ukubonisa, ukuba kuyimfuneko, ukubonisa indlela izikhundla eziqhelekileyo zabathengisi zibekwe ngokucacileyo kubathengi. Akuzukufaneleka ukuqhubeka kwimarike, nokuba izikhundla zakho aziphumelelanga ngokwenene. Kulo mbono, uhlalutyo lobugcisa luya kuba sisixhobo esilungileyo okufuneka ubhaqe le miqondiso yobuthathaka.
Ungandinika amaxabiso ukuba ndiwathenge?
Yonke into iya kuxhomekeka kwiprofayile yakho, kodwa ngokomgaqo ixabiso elithile kunye nesabelo esihle sokukhusela. Enkosi kakhulu, yaye uya kuba neenkcazelo ezithile kumanqaku alandelayo