Ukuchaza nasiphi na isicwangciso sotyalo-mali kuya kuthatha isigqibo sokuba uchaze iprofayile yakho njengomtyali mali omncinci. Ngokusekwe kolu lwazi, uya kuba nefayile ye- eyahlukileyo ngokupheleleyo umgca wezenzo, nakwimeko ezichaseneyo ngokuthe ngqo kwimisebenzi yeemarike zentengiso. Akumangalisi ukuba akufani ukuba ungumtyalomali okhuselayo okhuselayo kunokuba ubekiwe kwezona ndlongondlongo. Kuya kufuneka urhwebe ngokulinganayo nge izikhokelo ichazwe kakuhle kwimeko nganye.
Iiprofayili zabatyali mali ziya kuba zezizokukhokelela kwimigangatho eyahlukileyo yesigxina, enokuba mfutshane, iphakathi okanye inde. Kwaye nangayiphi na imeko, ukulandela iinjongo ezingasoloko zifana. Ukwenza imisebenzi isebenze ngokusesikweni kwiimarike zesitokhwe, awuzukukhetha ngaphandle kokwazi ukuba yeyiphi eyakho, kwaye ukusukela ngalo mzuzu ukuya phambili, yenza ulwahlulo olwahlukileyo kunye noluchazwe kakuhle kwimisebenzi yentengiso.
Iiprofayili ziyimfuneko ukuzazi, kangangokuba ziya kukukhokelela ekubeni uncike kuluhlu lwamaxabiso athile kwimeko nganye. Kwaye indlela yokusebenza nabo eya kufuna ukusebenza ngokuthe ngqo kwaye ilungelelaniswe nemeko nganye. Iya kuba lelona xesha lichanekileyo lokuba wazi ukuba zeziphi iiprofayili ezibonisiweyo engxoweni kunye neempawu zazo eziphambili. Ngale ndlela, kuya kuba lula kakhulu ukusukela ngoku ukufezekisa iinjongo ozibekele zona.
Amanqanaba kwiiprofayili
Iimpawu ozibonisayo ukuze ujongane notyalo mali ziya kukunika uthotho lwezitshixo eziya kuba luncedo kuwe ukwenza ukonga kwakho kunenzuzo kwiimarike zemali. Kwimeko nganye ziya kwahluka, kwaye ziya kufuna uthotho lwezakhono kwicandelo lotyalo-mali ongenakukwazi ukuzenza ngaphandle kwazo. Ekuqaleni Kuya kufuneka uzichaze apho ubandakanyiwe khona, kwaye uqinisekise iimpawu zeqela ngalinye. Ngale ndlela, ubekwisimo sokusebenzisa ukuthenga kunye nokuthengisa iiodolo kwiimarike zezemali. Ngaba ukulungele?
Kukho iiprofayili ezininzi zabatyali mali njengoko kukho iindlela zokusondela kurhwebo lobulungisa. Ngapha koko, baya kudityaniswa babe ngamaqela ambalwa ukuze uyiqonde ngcono kwaye ubenakho ukufumana izifundo onokuzifumana kwezi ngcaciso. Ngapha koko, uninzi lwabalamli bezemali Ukukhulula iingcebiso zabo zesitokhwe ngokusekwe kwiiprofayili zabatyali mali. Umahluko omkhulu phakathi kwamanye amaqela kunye namanye, njengoko ubona kweli nqaku.
Kwakhona imali oyifumanayo iya kukuchaphazela ekuchazeni lo mahluko ubalulekileyo. Ayifani into yokuba unokonga imali enye kwi-euro ezimbalwa, ukuba yonke imali eyinkunzi isuka kulondolozo lobomi bakho bonke, kwaye inokuvela kwilifa losapho, okanye nakwibhaso elifunyenwe kwiiraffles zemveli . Kwimeko nganye, kuya kufuna unyango olwahlukileyo oluya kuchongwa yiprofayili oyivelisayo. Kwaye kwimeko nganye ayizukufana, njengoko uza kuba nakho ukuqinisekisa ukusuka ngoku ukuya phambili.
Iiprofayili ezigcinayo
Ngaphandle kwamathandabuzo zezona zikhusela kuzo zonke. Akumangalisi ukuba bazame ukugcina imali ngaphezulu kwezinye izinto. Banqabile ukuba semngciphekweni wokuthenga kwabo kwaye bakhetha amaxabiso akhuselekileyo iimarike zezemali, ngokubanzi ngee-indices zesitokhwe kwilizwe lakho. Abenzi ubuchule kwizikhundla zabo ezivulekileyo, kwaye ngokuqinisekileyo ukhuseleko olucingelwayo alunandawo kwipotifoliyo yotyalo-mali. Ekugqibeleni, abathandi ukuzama xa imali yabo isemngciphekweni.
Olunye lweempawu zalo kukuba amaxesha okusisigxina abhekisa kuwo ekusebenzeni aphezulu, kude kube ngamanye amaxesha lutyalo-lifa. Oko kukuthi, bayasihambisa, kwaye bahlala bedlulisela kubantwana babo okanye kubazukulwana. Ngokubanzi ngenzuzo ethile eyinkunzi njengesiphumo seminyaka emininzi eqokelelwe kutyalo-mali. Ngaba kunjalo ngokusekwe kumaxabiso okusika akhuselayo ezivela kumacandelo emveli emarike yemasheya.
Omnye umqondiso wokuchonga aba batyalomali kukuba ipotifoliyo yabo yotyalo-mali ibandakanya ukhuseleko bahambisa izabelo phakathi kwabanini zabelo. Esi sisicwangciso esicacileyo sokutyala imali phakathi kwabasebenzisi bezi mpawu. Bafika bakha ibhegi yokonga ngokusebenzisa le ntlawulo rhoqo ezinye izinto zinayo. Kwaye bayabenza bazuze inzuzo yonyaka kunye neqinisekisiweyo enokufikelela kwi-8% kwezona meko zintle.
Abaguquli abanesiphelo esiphakathi
Zizo ezimele indawo exubeneyo kwiindlela zotyalo-mali. Abalondolozi nje kuba bezama ukufumana imbuyekezo ephezulu kwiindawo ezivulekileyo kwiimarike. Kodwa kwelinye icala, abaxhasi ukwenza ukubonakaliswa okukhohlakeleyo, kodwa nzulu kubo bafuna isiqinisekiso esikhulu seminikelo yabo yemali. Kukho nawuphi na, kunjalo evulekileyo ngakumbi kwiifomula ezintsha zotyalo-mali, kodwa ngaphandle kokugqitha kwiziphumo zalo.
Ukwenza iphothifoliyo yabo yotyalo-mali, abathandabuzi yandise kolunye ukhuseleko olubonakaliswe emngciphekweni omkhulu. Kodwa ngaphandle kokufikelela ekuqeshweni kokhuseleko olucingelwayo, olunokubakhokelela ekonakaliseni inxalenye elungileyo yokonga kwabo. Olu phawu lucacile kubo xa bethatha isigqibo sokuvula izikhundla kwiimarike ze-equity, kwaye bathabathe izimvo zabo ukuya esiphelweni. Ngaphandle kokunikwa naluphi na uhlobo.
Ngokubhekisele kwimiqathango yabo esisigxina, kufanele kuqatshelwe ukuba bayabanciphisa ngokubhekisele kubatyali mali abazikhuselayo, kodwa ngaphandle kokubasa kwelona xesha lifutshane. Akumangalisi ukuba zibonakaliswe kuba azenzeki ngokukhawuleza kakhulu ukusebenza, kwaye kuncinci kwiseshoni efanayo yokuthengisa. Ayisiyondlela yakhe yokuziphatha, kodwa ziimbonakalo zakhe Zijolise kwimigqaliselo exinene ngakumbi, ukusukela kwi-3 ukuya kwiinyanga ezingama-24, apho iinjongo ezichazwe kakuhle zichazwe khona.
Kule meko, zivulelekile kumaxabiso asezantsi kwiipaki, nangona ngaphandle kokuthatha umngcipheko ogqithisileyo. Kwaye banokuthi ekugqibeleni bagqibezele kutyalo-mali lwabo kunye nezinye iimveliso zeemali ezivela kwii-equity: mutual fund, mali ezidwelisiweyo, kwaye kwezinye iimeko iimodeli zotyalo mali.
Ngokwesiqhelo bajonge imbuyekezo kulondolozo lwabo olukhulu kunangoku, kuba abanelisekanga ngamanqanaba abatyali mali abazikhuselayo. Bazama ngazo zonke iindlela yandisa inzuzo, kodwa ngaphandle kokulahla indlu ngefestile. Bacace gca malunga noluvo lokuba kubalulekile ukugcina ilifa labo ngaphezulu kwamanye amanyathelo. Ukugqibela ngokuthatha olu luvo kwiziphumo zalo zokugqibela.
Abatyali mali abakhohlakeleyo
Sifikelele kwelona qela likhethekileyo lokutyala imali. Oku kungenxa yokuba bayazama fumana imali eninzi kwisithuba esifutshane kakhulu. Ukusebenza kwabo kuyakhawuleza kakhulu, banokumiselwa ngokusesikweni kwangolo suku lunye, ngaphandle kokulibaziseka okukhulu. Bazama ukutshintsha inqanaba labo ekuhlaleni ngokukhawuleza. Ukwenza oku, abathandabuzi ukukhetha ezona zikhuselo ziqikelelweyo kwintengiso. Apho banokufumana khona iinzuzo ezinkulu, kodwa kunye nomngcipheko wokugqibela wokuphulukana nenxalenye elungileyo yolondolozo lwabo.
Ababhalisi ezona zabelo zininzi, kodwa kwezo ndawo zeshishini apho kukho okukhulu amandla aphezulu. Ukuba ukubheja kwabo kuhamba kakuhle bahlala bethatha imali eninzi kwiakhawunti yabo yokujonga. Kwelinye icala, zibonakalisiwe kuba ziphantse zadibana neemarike zezemali. Imisebenzi yabo ixhaphake kakhulu, kwaye kunqabile ukuba babekho kwiindawo ezinemali eninzi.
Ukuba ngomnye wabatyali mali abaneyona profayili inochuku, ngabo abanezona ziphezulu ukufunda kwiimarike ingeniso eguquguqukayo. Zitshixiwe kwimisebenzi eliwaka kunye nanye. Kwaye ngamava amabi achaphazela ulwazi olukhulu lweli candelo lotyalo-mali. Kwezinye iimeko ezithile, bayaziphilisa ngalo msebenzi njengowona mthombo uphambili wengeniso yabo. Baziwa njengabatyali mali bezentengiso. Bayayazi indlela yokusebenza kwiimarike, kwaye xa kufuneka basebenzise iiodolo zabo zokuthengisa ukugqibezela umsebenzi, abathandabuzi ukubaphumeza.
Alithandabuzeki elokuba abatyali zimali abathatha owona mngcipheko mkhulu kwimisebenzi yabo, kwaye ayinguye wonke umntu onokuyifumana ngenxa yeemeko zabo. Ubulumko, ngamanye amaxesha, ligama elingekhoyo kwisichazi-magama sakho. Kwaye apho bemi khona ngokukhetha ukhuseleko kwinqanaba lesibini okanye lesithathu, bambalwa kakhulu abagcini bokugcina abazi kuqala. Ukwenza imisebenzi ngobunzima obuninzi ngandlela zonke.
Ukweliphi iqela?
Emva kwenkcazo emfutshane yeklasi yabatyali mali abancinci nabaphakathi abanokubonwa kwiimarike zezemali, kuhlala kuwe ukuba ubonakalise isigxina sakho kwamanye amaqela adwelisiweyo. Sele ubazi ukuba banjani kwaye ziziphi iindlela zabo zokwenza izinto. Kwaye nemingcipheko ongena kuyo kwimisebenzi evulekileyo kwiimarike zezemali.
Ukuze wenze ezona mpazamo zincinci, kuyacetyiswa kakhulu ukuba uvuleleke kwi uthotho lweengcebiso oko kuya kuba luncedo kakhulu kubudlelwane bakho namashishini. Abayi kuba nzima kakhulu ukufaka isicelo, kwaye endaweni yoko uya kuba nakho ukufumana izibonelelo ezininzi. Ezi zikhokelo zilandelayo zokwenza okuthile.
- Zichaze ngeprofayili yotyalo-mali oyiyo ilungelelaniswe neempawu zakho, kodwa kuxhomekeke nakwisixa osifumanayo sotyalo-mali.
- Sukutshintsha ukusuka kwimodeli enye ukuya kwenye ngesiqhelo esithile, kuba ekuphela kwento enokukuvelisa kukudideka, kuba wenza iimpazamo ezininzi kunokuba kufanelekile.
- Nokuba yeyiphi iprofayile onayo, awuzukunyanzeleka ukuba ulahle nakweyiphi na imeko izikhokelo zokuqinisekisa kunye isiqinisekiso semali oyityalileyo. Kananjalo akunakuzivumela ukuba uqhutywe zizakhono ezingaphenduliyo kwimisebenzi yolingano.
- Khokelwa luxanduva kwaye musa ukubeka emngciphekweni imali engaphezulu kunokuba iyimfuneko Kwimisebenzi nganye ephawula isazisi sakho njengomsebenzisi wentengiso yesitokhwe.