Izinto zokwenza imveliso zenziwa njengenye ye ezinye iindlela zotyalo-mali kwimizuzu engaphezulu okanye encinci. Ngenzuzo onokuyikhetha ii-asethi ezahlukeneyo zemali, ukusuka kwikofu ukuya kwiimbotyi zesoya, ngeswekile. Zininzi izindululo ozivulekileyo ukwenza ukonga kunenzuzo ngeyona ndlela ifanelekileyo. Oko kukuthi, ngokusebenza okuphezulu ngenxa yokuhamba kweemarike zayo. Kodwa ekubeni eli candelo lahlukeneyo, uneendlela ezahlukeneyo zokwenza imisebenzi. Njengokhetho loqobo kunye nolutsha kunakwamanye amatyala anikezelwa ziimarike zezemali ngalo mzuzu.
Ukusuka kule ndlela kutyalo-mali lwabucala, izinto zolimo ezingafakwanga ezikhoyo kwiminyaka ephantsi emininzi. Ngamanye amaxesha, ngamaxabiso angabonwanga ukusukela ngo-2015. Ngaphandle kwekofu yama-arabic, enokuqokelela ukuhamba kwemali okufuna izinto zexabiso ezinesimo esizinzileyo kunye nokunyuka kancinci. Ngayiphi na imeko, nganye yezi zinto zivelisiweyo ibonisa indaleko eyahlukileyo. Ukuze ube nolwazi oluthe kratya lokwenza isigqibo, siza kukubonisa ukuba zeziphi ezinye zezinto ezisetyenziswayo ezifanelekileyo.
Esinye isicwangciso esineenjongo eziphambili jonga amathuba amatsha eshishini. Ngaphandle kweemarike zokulingana, kuba abatyali mali abancinci nabaphakathi abahlali nje kuphela kwimarike yemasheya. Ngexesha apho iimarike zingaqala khona indlela esezantsi, nangona abanye abahlalutyi bezemali bengalunganga kwaye bachaza ukuba kwiinyanga ezizayo uxinzelelo lungenziwa kwezi marike zezimali. Nokuba yeyiphi na imeko enokuthi ivele, kuyakuhlala kunomdla kakhulu ukubuyiselwa endaweni ukuze ukwazi ukutyala imali yakho. Nangona ikwiimarike ngokungahambelaniyo njengoko injalo yenziwe ngezinto ezingavuthiyo.
Izinto zokwenza imveliso: ikofu njengempahla yexabiso
Ukuba kukho into ekrwada esebenza njenge-eksponenti ukwenza naluphi na uhlobo lotyalo-mali, ayisiyonganto ngaphandle kwekofu. Ukongeza, yenye yeeasethi zemali icandelo elingcono lobugcisa unayo ngoku. Kungenxa yokuba eneneni, ngaphandle kwemveliso eyomeleleyo kwiindawo ezithile zehlabathi, inokufumana amaxabiso. Ngokwenyani njengekhonkrithi njengokuhla kwemveliso yaseBrazil. Ukuya kwinqanaba lokuba iingcali kule marike zibonisa ukuba ukunciphisa ukubonelelwa kunokwenzeka kakhulu ukuba kuve. Ngayiphi na imeko, yenye yezona zinto ziphambili ezicetyiswayo ukuthatha izikhundla ukusukela ngoku. Ngaphandle komngcipheko obandakanyekayo kolu hlobo lomsebenzi.
Kuya kufuneka sikhumbule imveliso eColombia, ilizwe elivelisa ikofu ngokugqwesa. Ayinakulityalwa ukuba inoxanduva lwe-15% yemveliso yehlabathi. Ewe, idatha esele yaziwa ayibonisi lukhulu kutshintsho malunga neminyaka edlulileyo. Ngokuchanekileyo iparameter yokugqibela esinayo yonyaka ka-2016 kwaye oko kubonisa ukuba imveliso Ikhule ngeli xesha malunga ne-30%. Nangona kunjalo, ukubuyela emva kwale asethi yezemali kukuba kuya kufuneka uye kwiimarike zamanye amazwe ukuze uthathe isikhundla. Ngaphandle kokuba ukhethe ingxowa mali yotyalo mali kwezi mpawu. Kodwa kuyo nayiphi na imeko, yenye yezinto ezibonakalayo ekufuneka ithathelwe ingqalelo ukusukela ngoku. Nangona kunokungazinzi okukhulu kunezinye izindululo zotyalo mali.
Iswekile, engaziwayo phakathi kwabatyali mali
Ewe kunjalo, kukho iindlela ezimbalwa eziphindaphindiweyo phakathi kwabatyali mali. Kwaye ngaphandle kwamathandabuzo le nto eluhlaza yenye yazo. Akumangalisi ukuba yenye yezona zingaziwayo ngabathengisi. Ayifanele ilibale ukuba kude kube ngoku, i Imveliso yeswekile yaseBrazil, oyena mvelisi mkhulu weswekile onesabelo sehlabathi esingama-22%, uqokelela ukukhula okusondeleyo kuma-6% ngonyaka. Nangona kunjalo, umngcipheko uphezulu nangaphezulu kwezinye izindululo ngenxa yokungazinzi okuphezulu kwale asethi yezemali. Kwaye igcinelwe iprofayile echaziweyo echaziweyo. Apho inzuzo ifunwa kwisindululo esiqhelekileyo esiqhelekileyo.
Elinye icandelo lolwazi olunomdla okhethekileyo lelo libhekisa kwi-European Union. Ewe, kulo mzimba kuqikelelwa ukuba kwisithuba seminyaka elishumi, ukuveliswa kweswekile kule ndawo yezoqoqosho izakonyuka nge-6% xa kuthelekiswa namanqanaba kunyaka ophelileyo. Lelinye ke lamathuba onokuvavanya ukuba nawo kwipotfoliyo yotyalo-mali. Ngokunokwenzeka ecaleni kwezinye izindululo, kubandakanya ezo ezivela kwizabelo. Nangona kunjalo, kukho ukwahluka okunamandla ekufuneka ukuvavanya ukusukela ngoku. Ayisiyonto yimbi ngaphandle kwenyani yokuba phantsi kokukhula okunamandla kokubonelela, abahlalutyi kule marike yemali ababoni amaxabiso eswekile ephinda ebuya. Oku kunokuba ziindaba ezimbi kwimidla yakho kwaye ukuba ekugqibeleni uza kuthatha isikhundla kwezi zinto zibalulekileyo.
I-cocoa, inyuke nge-18%
Enye yezinto ezinokuvela apho unokuveza khona ukugcinwa kwakho ngaphandle kwamathandabuzo yiCocoa. Kude kube yiminyaka embalwa edlulileyo, ibiyenye yeenkampani ebezivelisa eyona mbuyekezo iphezulu ngokusebenza kwayo. Kodwa kuyinyani ukuba izinto zitshintshile kwaye izinto azisafani nakuqala. Apho okwangoku, eyona nto ibalulekileyo kukuba imveliso yecocoa inyuke nge-17% xa kuthelekiswa neminyaka edlulileyo. Inkqubo ye- iimeko zemozulu Uqikelelo lwe-asethi yezemali luyatshintsha imihla ngemihla, kwaye kuyo nayiphi na imeko yenye yezona zinzima kakhulu ukuvula izikhundla ngaphambi kokuphela konyaka. Apho enye yezona zinto zibalulekileyo eziza kuchaphazela ukuveliswa kwayo isuselwe kwimbalela enzima iBrazil. Omnye wabavelisi ababaluleke kakhulu kwihlabathi kwaye ubukhulu becala umisela ixabiso lecocoa kwiimarike zezemali.
Ngayiphi na imeko, ukuma kwayo kunzima kakhulu kuba kuya kufuneka uye kwiindawo zamazwe aphesheya ukuze uhlangabeze le mfuno ikhethekileyo. Ukuthintela naluphi na uhlobo lweengxaki, elona qhinga lilungileyo lokuthatha isikhundla kwesinye sezona zinto zibalulekileyo zenziwe njengecocoa ngokusebenzisa imali yokurhweba ngokutshintshiselana, eyaziwa ngokuba yi-ETFs. Yindibaniselwano yokuthenga kunye nokuthengisa izabelo kwimarike yemasheya nakwimali ezihambelanayo. Kodwa ngeekhomishini ezingabizi kangako kunezo mveliso zezezimali. Kwelinye icala, unoluhlu olubanzi lweemali zokujonga olu tyalo-mali loqobo kanye ngoku.
Umngcipheko wale misebenzi
Ngayiphi na imeko, ukutyala imali kwezi zinto ziveliswa kukuthwala uthotho lweziphazamiso ekufuneka uzivavanye ukuze uthathe isigqibo sokuba kulungile na kuwe ukwenza le misebenzi ikhethekileyo. Ayisiyiyo kuphela ngenxa yokuntsonkotha kokusebenza kwayo, kodwa kuya kufuneka ushiye imida yethu uyokwenza eli linge litsha lotyalo-mali. Ewe awuyi kuba lula kuba kuya kufuneka ujongane nobunzima obuninzi. Ngaphezulu kunokuba unokucinga kwasekuqaleni. Ezi zezinye onokuzifumana apha endleleni.
- Ayilotyalo-mali oluqhelekileyo kwaye ke ngoko iya kufuna ulwazi olunzulu kwiimarike zabo. Apho nakuphi na ukungalunganga kunokuhlawula kakhulu ukusukela ngoku ukuya phambili. Kuphela ukuba unamava ekusebenzeni kwabo apho uya kuba nomda omkhulu wokunxibelelana nezi zinto zivelisiweyo.
- Nasiphi na isiganeko, nokuba sincinci kangakanani, sinokuchaphazela ixabiso lezi asethi zemali. Ngesi sizathu kunjalo Kunzima ukulungelelanisa ukungena kunye nokuphuma kwamaxabiso kwezi marike zezimali. Ngomngcipheko omkhulu kuyo yonke imisebenzi oyenza ngokusesikweni ukusukela ngoku.
- Lutyalo-mali oluntsonkothileyo olufunekayo kwiimveliso ezinokuthi zivule izikhundla kwezi zinto zivelisiweyo. Kunye nezinye izinto zexabiso Njengamalungiselelo otyalo mali okanye ii-ETFs. Njengenye yezicwangciso ezisetyenziselwa ukwahluka kotyalo-mali ngendlela ebhetyebhetye.
- Ayilotyalo-mali olufanelekileyo kuzo zonke iiprofayili zabatyali mali abancinci nabaphakathi. Kodwa kuphela kwezona ndlongondlongo kwaye abafuna ukuthatha umngcipheko ukuphucula amanqanaba abo enzuzo. Ngenxa yomdla ophantsi weemveliso zebhanki (iidipozithi zekota, amanqaku ezithembiso okanye iibhondi). Oko kunqabile ukugqitha kumanqanaba e-1%, kwaye oko kubonisa ukungoneliseki kubasebenzisi.
- Lutyalo-mali olunjalo ukude kwimithetho yesintu Oko akufuneki izicwangciso ezifanayo ozisebenzisileyo ukuza kuthi ga ngoku kwelinye iklasi yeeasethi eziyimali. Ukuya kwinqanaba lokuba usebenzise iindlela ezintsha zokusebenza ukufezekisa iinjongo zakho.
- Umngcipheko latent ngakumbi kunezinye iintlobo zotyalo-mali. Apho ungafumana imali eninzi ngexesha elifutshane. Nangona ngesizathu esifanayo ungashiya ii-euro ezininzi endleleni. Nokuba ushiya umngxunya obalulekileyo kwimali yakho yokujonga. Ngesi sizathu, kuya kufuneka ulumke ngakumbi ekukhetheni izinto zokwenza imveliso. Ukuthatha umngcipheko omncinci kunokuba kubonwa kwangaphambili.