Indlela yabatyali zimali: bayithatha njani ingozi?

umendo Ayingabo bonke abatyali mali abancinci nabaphakathi abathatha umngcipheko ngendlela efanayo. Oku kubonisiwe kuphononongo lwakutsha nje olubizwa ngokuba luPhononongo loTyalo-mali lweHlabathi ngo-2018 nolwenziwe ngumthengisi wamazwe aphesheya uSchroders. Kufunyenwe ukuba kukho umahluko ocacileyo phakathi kwabagcini besizwe abahlelwa phakathi kwabo kuthathwa njengabaphambili okanye iingcali kwelinye icala ezinye, oko kukuthi, abaqalayo. Umahluko obonakalayo kwisicwangciso esinye nesinye kwaye ngakumbi kwindlela abathathe ngayo ubungozi bokusebenza.

Kule ngxelo malunga neendlela ezenzeka kubatyali zimali abancinci nabaphakathi, isimbo sokubekwa sigxina sibekwa kwinto yokuba iqela lokuqala, abona batyaleli baphambili, bafumana inqanaba eliphezulu lomngcipheko. Ukuza kuthi ga ngoku Utyalomali-23% lweepotifoliyo zabo kutyalo-mali olunomngcipheko ophezulu xa kuthelekiswa nalawo anenqanaba lokungena okanye ulwazi kwinqanaba lokungena. Kwimeko apho, ukubonakaliswa kwakho kule klasi ekhethekileyo yorhwebo yi-9% kuphela.

Enye yedatha ebaluleke kakhulu ekhutshwe kuphononongo olukhuthazwe ngumthengisi wamazwe aphesheya uSchroders kukuba abatyali mali abaphambili okanye iingcali banikezela iipesenti ezingama-42 zotyalo-mali lwabo kumngcipheko ophantsi, ngelixa ngokuchaseneyo, abasebenzisi abanolwazi oluncinci betyala imali kwi-60% . A Umahluko ochuliweyo Oko kufuneka kuvavanywe ukuze wazi ukuba yeyiphi eyona meko yokutyala imali kwi-equity ngalo mzuzu kanye apho unokufumana esinye isifundo malunga nezenzo ekuya kufuneka uzenze ukusukela ngoku.

Izikhundla zomngcipheko

ingozi Kwelinye icala, uphononongo lubonisa ngokucacileyo ukuba abatyali mali kwilizwe lethu phantse babe sisiqingatha sepotifoliyo yabo (49%) kwi utyalo-mali olunomngcipheko omncinci, ngaphezulu komndilili waseYurophu (iipesenti ezingama-45) nangaphantsi kwamaTaliyane (51%) kunye nesiPhuthukezi (57%). Ukongeza, bangaphezulu komndilili ekubonakalisweni kwabo kwimali eziinkozo, nge-27% yepotifoliyo xa kuthelekiswa ne-25% yomndilili onamava abatyali zimali kwilizwekazi elidala. Le yinto ebhengeza ukubaluleka kokuba ingaba kuyinzuzo na ukuthatha umngcipheko okanye izikhundla zomngcipheko ophezulu kwiimarike zezabelo.

Ulwabiwo lweeasethi zemali ezahlukileyo ikwayinto yohlalutyo kolu phononongo lwentengiso yemasheya. Kungenxa yokuba ibonisa ukuba ngabona batyalo-mali baphambili kakhulu okanye ingcali eSpain abathi ngoku bavelise ukubhengeza okubalaseleyo kwii-equities, nge-39% yezikhethwayo. Oku kulandelwa yi ingeniso (15%), iimali zezindlu nomhlaba (11%) kunye nolunye utyalomali, nge-14% yokusebenza. Ngaphandle kwayo yonke into, kuyabonakala ukuba iimveliso ezisisiseko-somvuzo zikwakhona kwiphothifoliyo yakho yotyalo-mali. Njengesicwangciso sokuqinisekisa nokukhusela igalelo lakho lemali ngaphezulu kwezinye izinto zobugcisa.

Impendulo ekuweni

Okungabalulekanga kangako kukubaluleka kokunikwa kwento ukusabela ekunciphiseni kwexabiso kunokuba kwenye okanye enye iprofayile yomsebenzisi kwaye eziye zahlalutywa kwi-Global Investment Study ka-2018. abanamathuba amaninzi oku phendula ngokukhawuleza Ujongene nale meko, imarike yemasheya inokubonisa ukusukela nge-71% yotyalo-mali okanye yokuhambisa imali ngokuthelekiswa ne-32% yabo banenqanaba lokuqala okanye elisisiseko. Ngelixa ngokuchaseneyo, i-68% yabatyali mali abancinci naphakathi abanolwazi olusisiseko okanye oluqalayo abenzi nto kwezi meko zotyalo mali.

Kunokuthiwa lelona xesha lokuthatha isigqibo kwimisebenzi yeemarike eziguqukayo leli lizwi. Oko kukuthi, xa izikhundla zimbi ngokwenene kwaye ixabiso langoku likude kakhulu kwixabiso lokuthenga. Apho kuya kufuneka wahlule Iindlela ezinochuku kwaye kwelinye icala abo balondolozayo. Kubaluleke kakhulu ukwenza isigqibo, nangona kuyinyani ukuba ayisiyonto ilula ukuyenza ngezizathu ezininzi ezingenakubalwa. Kuba ekupheleni kosuku banokuba nesiphumo esahluke ngokupheleleyo njengoko unokuqonda ngamava aqokelelwe unyaka nonyaka kwiimarike ze-equity.

Umngcipheko wotyalomali

ndlongondlongo Enye yeeprofayili abatyali mali abancinci nabaphakathi abakhoyo. Oko kukuthi, usesikhundleni sokukhetha wandise umngcipheko wakho kwimali oyityalayo. Kungenxa yokuba sisicwangciso oqhele ukusisebenzisa okanye ngenxa yokuba ixhaswa yiakhawunti yokonga esempilweni ekuvumela ukuba ubeke emngciphekweni ngakumbi kwimisebenzi yakho yeemarike zezemali. Ngokwesiqhelo ngeemveliso ezityala imali ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya, kodwa kwiimodeli ezahlukeneyo.

Ezinye zeemveliso zokulingana zikhona iimvume, ezivela kwezinye kunye nezinye zeempawu ezifanayo. Babalasele ngaphezu kwako konke ngomngcipheko omkhulu wokuba abatyali mali babaleke. Ngengqiqo yokuba nangona banokufumana imali eninzi kolu hlobo lwentshukumo, akukho nto iyinyani yokuba banokushiya uninzi, kodwa ii-euro ezininzi apha endleleni. Ewe, kwinqanaba eliphezulu kunelo liveliswe kwimarike yestokhwe ngokwalo, nakwindleko yokusebenza okukhawulezileyo apho eyona nto ibalulekileyo kukubetha imeko yexabiso okanye iasethi yezemali.

Inqanaba eliphezulu lokunyusa

Ngokuqinisekileyo le yenye yezona mpawu zibalulekileyo kwezi mveliso zemali apho ingengabo bonke abatyali mali abanazo Inqanaba lokufunda Oku kuyimfuneko kule mi sebenzi. Akumangalisi ukuba le yenye yeengozi ezinkulu zotyalo-mali kwezi modeli zezemali. Kuba ukuba awuboneleli ngamava angaphambili, olu hlobo lwesicwangciso-mali sinokuhlawula kakhulu. Ngokuchanekileyo abatyali zimali abancinci nabaphakathi abakwaziyo ukumelana nolu hlobo lomsebenzi onzima kwaye kwangaxeshanye benomngcipheko omninzi.

Kwelinye icala, ayinakulityalwa ukuba ezinye zeemveliso zinomhla wokuphelelwa. Ukuziqhelanisa kuthetha ukuba umngcipheko uyonyuswa ukusukela ukuba ulindelo aluzalisekiswa, amathuba onakho ulahlekelwe yinxalenye ebaluleke kakhulu yemali ukuba utyalomali kulowo nalowo msebenzi unezi mpawu zikhethekileyo. Ke ngoko kuyacetyiswa ukuba ungatyali yonke imali ekhoyo, kodwa ubuncinci ubuncinci bayo. Iya kuba yeyona ndlela ilungileyo yokukhusela iimfuno zakho zabucala ngendlela echanekileyo nesebenzayo.

Abatyalomali abangakumbi

Kwelinye icala, kukho abatyali mali ababizwa ngokuba ngabalondolozi okanye abazikhuselayo apho iprimiyamu kunye nokhuseleko yokusebenza kunenzuzo yabo. Ekugqibeleni, ingumcimbi wongaphezulu kwayo yonke loo mali okanye ukonga akwehli ngenxa yokusebenza gwenxa ngaphezulu kokunye ukuthathelwa ingqalelo kwayo nayiphi na imeko. Kusemva kwayo yonke eyona njongo iphambili ilandelwe lolu didi lwabatyali mali kwaye bakhawuleze ukubona ukuba zeziphi iimveliso abafuna ukuzithenga ukusukela ngoku.

Olunye lweempawu ezingcatsha iprofayili yotyalomali yile ibhekisa kutyekelo lwabo lwengeniso esisigxina ekonakaleni okwahlukileyo kwinxalenye elungileyo yamanqanaba otyalo-mali. Nokuba kudipozithi yexesha elimiselweyo. Phi Inzuzo incinci, kodwa kuyo nayiphi na imeko ilungisiwe kwaye iqinisekisiwe. Nokuba kukwindleko yokunikezela ngembuyekezo ephezulu eveliswe ziimveliso zokulingana lilonke. Kuba baya kuba nakho ukukhetha ukongeza isikhwama sabo sokugcina kancinci kancinci kwaye unyaka nonyaka.

Iminikelo yemali

euroOkokugqibela, kufanele ukuba kukhunjulwe ukuba omnye umahluko wokuba abatyali zimali abanenkathalo nabanolunya ngakumbi bavela kwimali abayichithayo kutyalo-mali lwabo. Ngelixa kwimeko yokuqala, isikelwe umda, okwesibini yenziwa phantsi kweentshukumo eziphezulu kakhulu. Ukuya kwinqanaba lokuba ezi profayile zimbalwa bakwimeko yokuhlawula amatyala kwiakhawunti yakho yokonga. Luphawu apho olu hlobo lweprofayile lwamkelwa ngaphezulu kwezinye izinto eziqwalaselweyo zobuchwephesha kwaye mhlawumbi nakwimbono esisiseko.

Ngaphandle kokuvuthwa okunokunikwa enye okanye enye imveliso kwaye ixesha elide lokuba sisigxina lilingana nendlela yotyalo-mali egcinayo okanye ekhuselayo. Ayothusi into yokuba yenye yeempawu onokuthi ujonge kuzo ukumisela ukuba loluphi uhlobo lwezicwangciso ojamelene nazo ngalo lonke ixesha. Kuba kuyinto exhaphakileyo kutyalo-mali olunomngcipheko omninzi wokuhamba okuhamba kunye nokuvuthwa okufutshane kakhulu kwaye kwezinye iimeko kufanele ukuba kudweliswe njengokufutshane. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kunye nakwindawo yokujonga esisiseko. Luphawu apho olu hlobo lweprofayile lwamkelwa ngaphezulu kwezinye izinto eziqwalaselweyo zobuchwephesha kwaye mhlawumbi nakwimbono esisiseko.


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