Uyigcina njani imali ngengxowa mali?

Amaqhinga okonga ngemali mutual

Iimali zotyalo-mali zibe sesinye sezixhobo ezikhethwayo kubatyali mali abancinci ukwenza ukonga kwabo kunenzuzo. Ngokukodwa kwiinyanga zamva nje kwaye njengesiphumo senzuzo esezantsi eboniswe ziimveliso eziphambili zebhanki (iidiphozithi, amanqaku ezithembiso zebhanki, amatyala oluntu, iibhondi zikazwelonke, njl. Abanikeli imbuyekezo eyoneleyo kwimidla yakho njengabagcini abancinci, apho kunqabile ukuba badlule kumqobo omncinci we-1%.

Ukujongana nale meko yezemali, kunye nemingcipheko echaphazelekayo kutyalo-mali kwii-equities, uninzi lwabasindisi (eyona ikhuselayo), phakathi kwabo unokuba nguwe, Bazijikile izinto zabo ngakwingxowa-mali yotyalo-mali njengendlela yokunyusa iiasethi zabo, ngaphandle kokuzibeka emngciphekweni ogqithisileyo.. Ngokusisiseko ngenxa yezizathu ezininzi ezixhasa ukhetho lwemodeli yotyalo-mali. 

Enye yazo yi Iimodareyithi ezinkulu zeefomathi onokuthi uzenze ngokusesikweni kwiingxowa-mali: ingeniso esisigxina, eyahlukileyo, exubileyo, kunye nokunye. Kodwa baya phambili, xa iinkampani zolawulo zibenza, ngokhuseleko olukhulu kunye nomdla ukuze zisayinwe ngumthengi njengakwimeko yakho. Ukusuka kubhetyebhetye, ukuya kwi-euro egutyungelweyo, kunye noluhlu olupheleleyo lwezicwangciso zorhwebo eziqinisekisile inani elilungileyo labasindisi ukuba benze igalelo labo lemali.

Ngaba kuyacetyiswa ukwenza le misebenzi?

Ngokungafaniyo nemveliso yengeniso emiselweyo, abakuniki mbuyekezo eqinisekisiweyo, nkqu nakwezo zisekwe kwiiasethi zemali ezingezizo ezimalike zentengiso. Nangona kunjalo, Bahlala bevelisa isivuno esiphakathi phakathi kwe-3% kunye ne-10% Kwiminyaka yakutshanje, kuxhomekeke kubunjani kunye nokuvezwa kwezinto eziphambili zezemali.

Kwaye kwimeko ekhethekileyo ye abo banxulunyaniswa neemarike zentengiso bangaphakama xa iimeko ziyayixhasa. Nokuba yeyiphi na indlela, kulungile ukuba uyazi, hayi ukuba inzuzo yabo iqinisekisiwe, kodwa banokuthi bavelise inzuzo enkulu.

Ngexesha Ayisiyomveliso icetyiswayo kwixesha elifutshane ngohlobo lwayo, ibonisa uluhlu lweenzuzo ezinokuthi zenze ukuba zilungele umdla wakho, ukuba ufuna ukufumana isibonelelo kulondolozo lwakho lobomi bakho bonke. Ngokubanzi, bavela kwiimeko zabo ezizodwa zekhontrakthi, kunye nokufikelela kunyango olungcono lwerhafu ngogqithiso olwenzayo phakathi kwabo. Endaweni yokuba uzithengise kwaye ujongane neendleko, ungazitshintshela kwezinye iimali, ukuze usebenze kakuhle ngaphandle kokuhlawulwa kwemali.

Kodwa eyona nto inomdla kuwe ayisiyiyo inzuzo abanokuthi bayenze ngokuqesha kwabo, kodwa ugcino olukhulu lwemali onokulufumana ukuba uyakwazi ukuphatha kakuhle. Kwaye oko kuchaphazela zombini iikhomishini zabo kunye nokudluliselwa okunokwenziwa phakathi kwabo.

Nokuba iibhanki ezininzi zikunika ithuba lokusebenzisa umdla onomdla Unikelo lwentengiso lokuzisa imali kwamanye amaziko, Nditsho nokucebisa ngemali ukuba wamkele utyando. Ayizubaninzi, kodwa ngokuqinisekileyo uya kuba nayo into efunekayo ukuze uzihlawule intwana-ntwana.

Ukusuka kulondolozo kulawulo lwayo, ukuya ekuphelisweni kweekhomishini eziphambili zezinye zeenzuzo ezivela ekuqeshweni. Kwaye ngakumbi ukuba zithelekiswa nezinye iimveliso, zombini ii-equities (imarike yestokhwe, iziqinisekiso, ezinye, njl.), Kunye nengeniso esisigxina (iidiphozithi zexesha, iibhondi ezihlanganisiweyo, amanqaku ezithembiso zebhanki, njl.

Zeziphi iikhomishini oya kuthi ujongane nazo kwingxowa-mali?

Iikomishini ezinokuthi zenze imali

Ngokungafaniyo notyalo mali olulinganayo ngokwesintu, iimali ezihlangeneyo unokufumana ngaphezulu kwekhomishini enye Ukuba banokukuhlawulisa ngexesha lokumisela ngokusesikweni, kwaye kude kube kuphelisiwe. Kwimeko nayiphi na into, awukwazi ukufumana enye yazo ngaphandle kwanoma iyiphi indlela. Imalunga nolawulo apho umphathi aya kukuhlawulisa ngolawulo lwayo, oluya kuhlala luvela phakathi kwemiqathango yalo. Kuyakuba yipesenti eqingqiweyo eza kuthi isetyenziswe ngokubanzi kwi-capital yakho oyityalileyo, nangona kwezinye iimeko isekwe kwinzuzo eqokelelwe kwingxowa-mali. Ihamba kuluhlu olusuka kwi-0,50% kwaye ubuninzi be-2%, kuxhomekeke kwimodeli ekhethiweyo.

Kodwa zikhona ezinye ezinokwenza le mveliso yemali ibize kakhulu. Kwaye phakathi kwezona zixhaphakileyo, iidipozithi, ukubhaliswa kunye nokuhlengwa kuyabonakala. Kodwa lumka kakhulu ukusukela mva nje kuye kwavela enye yesitampu esitsha, echazwe njengempumelelo, ezinokunyusa inkcitho yakho ukuya kuthi ga kwiipesenti ezingama-20. Ukuba ufunde ngokuchanekileyo, ngaphandle kwepesenti enkulu.

Ngenxa yokuwa kwexabiso kwezi mveliso, abaphathi bazamile ukunika abathengi ukuzithemba okukhulu ngeli nqanaba. Eyona nto ibalulekileyo kukuba kuya kufuneka uyihlawule ukuba iinjongo ekusebenzeni kwazo ziyafezekiswa. Ngale ndlela, ukuba uvelisa iinzuzo ezinkulu uya kwenza kakuhle, kodwa kuya kufuneka ujongane neemeko ezinzima kakhulu. Ngokubuyisela, ukuba awufumani zibonelelo akusayi kufuneka uhlawule le khomishini.

Ikhomishini yediphozithi: iya kuba yibhanki ngokwayo eyigcinayo, kodwa hayi kuzo zonke iimeko, kwaye kuyo nayiphi na imeko iphantsi kwemida ethambileyo kunakwamanye amaxabiso. Zithathwa kulondolozo lweemveliso zebhanki.

Umrhumo wobhalisoKuqhelekile ukuba bahlawuliswe ngenxa yeakhawunti, kodwa kuya kufuneka uyazi ukuba yenziwe ngalo mzuzu kanye apho wenza ngokusesikweni ingxowa-mali ebekiweyo, oko kukuthi, ekuqaleni komsebenzi, kwaye isixa sayo asiphezulu kakhulu .

Ikhomishini yokubuyiselwa kwemali: sisixa esivelayo xa imali ebityaliwe ibuyisiwe, kwaye njengakwimeko ezidlulileyo, ayifakwanga rhoqo ukuba isetyenziswe kuwe. Soloko uphantsi kwemida eyamkelekileyo kwimidla yakho.

Kwimeko nayiphi na imeko, kwaye nangona ingxowa-mali nganye yotyalo-mali ineeKhomishini zayo, ezi azinakugqitha kwinqanaba eliphezulu elisebenza kuzo zonke iimali zotyalo-mali, nokuba zithini na uhlobo kunye nokwakhiwa kwazo.

Ngapha koko, olona lubanzi lolona luchaphazela ukubhaliswa kunye nemisebenzi yokuhlengwa, ekungekho naphantsi kwazo naziphi na iimeko abanokukuhlawulisa ngaphezulu kwe-5% yenkunzi oyityalileyo. Ngokuchasene noko, kwezi ziqhelekileyo zihamba ngaphantsi kweepesenti ezinyamezekayo epokothweni yakho: idiphozithi (0,20%) kunye nolawulo (2,25%).

Unokwenza udluliselo olungenamda

Iimali zotyalo-mali Ayisiyomveliso ukuba nayo iiveki ezimbalwa kwaye utshintshele kwenye. Ewe akunjalo, kuba imiqathango esisigxina ecetyiswayo ipasa ubuncinci iminyaka emi-2 okanye emi-3, apho ukusebenza kwayo ekuphuculeni ukonga kucaca. Njengoko kuchaziwe ngabaphathi bezi mveliso zezezimali.

kunjalo, kukho iimeko apho utshintsho olukhulu kwipotfoliyo yotyalo-mali luya kuba yimfuneko, ukuzama ukuba ukusebenza kwayo kuphezulu, kwaye kunokutshintshwa kuzo zonke iimeko eziveliswe ziimarike zezemali. Ngayiphi na imeko, kukho iimeko ezininzi ezinokubangela ukuba le misebenzi isebenze phakathi kweemali zotyalo-mali.

  • Ukujongana nempazamo ebonakalayo kwinkqubo yethu yokukhetha ingxowa-mali, kwaye oko kuyakufuna ukulungiswa kwangexesha nangxamisekileyo okufanayo.
  • Kutshintsho lwemijikelezo yezoqoqosho, okanye okwethutyana, eziya kufuna ezinye iimodeli ezifanelekileyo ngakumbi ngale meko intsha, nokuba zitshintshe ulawulo lwabo.
  • Kwiimeko, apho ukuvela kwayo-kwiinyanga ezininzi- ayihlangabezani nolindelo olwenziwe, kwaye notshintsho luyafuneka ekwakhiweni kwengxowa-mali yethu yengxowa-mali.
  • Xa iimeko zeemarike zezemali zifuna ziyahluka kwimodeli yolawulo, ezinje, umzekelo, ukusuka kwingxowa-mali yengeniso eyahlukileyo ukuya ku-fixed, exutywe kuguquko, njl.

Uyigcina njani imali ekuqeshweni kwakho?

Izitshixo zokonga imali eninzi kutyalo mali

Ukuba ulawula ezi mveliso zotyalo-mali ngokuchanekileyo, uya kufumana izibonelelo ezininzi, kuba iyimodeli evuleleke kakhulu kwiinkangeleko ezahlukeneyo zokugcina. Ukwazi indlela yokuzikhetha kunokugcina phantse iipesenti ezi-1 kwiikhomishini.

Isithembiso esikhulu esiveliswa zezi mveliso zikwanceda ukuyila isicwangciso-qhinga sokufezekisa ezi njongo, kwaye uzinikezele kuphela ekukhetheni ezona modeli zibalaseleyo ngokwendlela eziza kukubonelela ngayo kule minyaka imbalwa izayo.

Ukuqala kwezi zinto zixabisekileyo, kuyakufuneka ukuba ukusukela ngoku ungenisa uthotho lweengcebiso oko kuya kuba luncedo kakhulu ekwenzeni ipotifoliyo yakho yotyalo-mali. Kwaye ukuba unayo nayiphi na imibuzo, unokuqhagamshelana nebhanki yakho yesiqhelo, ngokuqinisekileyo enenkonzo yeengcali eziya kuthi ngokuqinisekileyo zisombulule amathandabuzo onawo malunga nale mveliso.

  1. Xa ujongene nemali eneempawu ezifanayo, Kuya kufuneka ukhethe izinto ezibandakanya ubuncinci iikhomishini kunye nenkcitho. Lo msebenzi uza kukunceda ukuba wenze inzuzo enkulu kulo msebenzi ngamnye owuphuhlisayo.
  2. Hlaziya ingxowa-mali nganye ngokunzulu, Ukujonga ukuba loluphi uhlobo lweekhomishini oya kuthi uhlawule. Isenokuba ngaphezulu kwesinye, ngakumbi kwezo zisuka kwii-equities.
  3. Ungayifumana ingxowa-mali, ngokusebenza ngokugqwesileyo, oko Kuthengiswa phantsi kweekhomishini ezincinci, malunga ne-0,75%.
  4. Jonga isibonelelo semali esiveliswe yibhanki osebenza nayo, kuba iikhomishini zabo mhlawumbi azikho phezulu kangako.
  5. Kukulungele oko Zonke iimveliso zenziwe kwibhanki enye, kuba ngale ndlela unokwenza ugqithiso olungenamda, ngaphandle kwendleko zoqoqosho kwimidla yakho.
  6. Kuya kufuneka uyazi ukuba iikhomishini, ngokubanzi iya kuncitshiswa kumaxabiso ezokhuseleko, kwaye nangayiphi na indlela isixa salo msebenzi.
  7. Iya kuba yingeniso ngakumbi kune khetha iimali zesizwe, kuba banokuba nenzuzo ngokulinganayo, kodwa ngeekhomishini ezingabizi kakhulu.

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