Enye yeenzuzo zeemali zotyalo-mali ezisekwe kwiimarike zokulingana kukuba zivumela ukwahluka kwiasethi yazo yezemali. Ukuza kuthi ga kwinqanaba lokuba kukho iimodeli ezininzi ezinokuthi zikhethwe ngabatyali zimali abancinci nabaphakathi. Njengenye yeempawu ezifanelekileyo zokuba zeziphi iimali zotyalo-mali xa kuthelekiswa nezinye izicwangciso zotyalo-mali ezifanayo ezifanayo. Ukudala ubhetyebhetye obukhulu ekulawuleni ukonga kwakho ukusukela ngoku.
Kule ndlela yotyalo-mali, siza kukucacisela apha ngezantsi ukuba zeziphi ezinye zokudibanisa onokukhetha kuzo kwiingxowa-mali ezikhethiweyo. Kungenzeka ukuba isindululo samathuba athile siyakumangalisa kukuvela kwezindululo kulawulo lweemveliso zemali. Apho ungafikelela khona kuthotho lweentengiso ezilinganayo zemali ezingathandabuzekiyo kwaye ongenakufikelela kuzo ngokukodwa ngokuthenga kunye nokuthengisa izabelo kwimarike yemasheya. Ngeziphumo ezinokuba yinzuzo kakhulu ngexesha elithile lonyaka.
Ngelixa kwelinye icala, imali yotyalo-mali yezi zinto zibalulekileyo ayinakudityaniswa kuphela neeasethi zenzuzo. Ukuba akunjalo, ngokuchaseneyo, ungadibanisa enye ngokusekelwe kumvuzo osisigxina, ii-asethi eziyimali okanye kwinto ekuthiwa yeyenye indlela yotyalo-mali. Ngenjongo enye kwaye ayisiyonyani le ngaphandle kokuphucula umda wokulamla phakathi kwemali yesiqhelo okanye eqhelekileyo yotyalo mali. Ngogqithiso lwayo ngamanqaku eepesenti ezimbalwa ngaphezulu kweemodeli zoqobo. Oko kukuthi, ukuze ube nokufumana izibonelelo ezinkulu xa uzivalela izikhundla kule mveliso yemali.
Iiklasi Equity
Ngaphakathi kulo mongo, enye yeembono onazo ngakumbi kukuxhomekeka kwii-equities zaseYurophu kunye nezo EUnited States. Yindlela efanelekileyo kakhulu yokukhusela imali yakho ekhoyo ngexesha lokungazinzi okukhulu kwiimarike zezemali. Kuba iyahlangabezana nenjongo yokungatyali imali kwibhasikithi enye, kodwa ngokuchaseneyo, into oyenzayo ekugqibeleni kukwahlula iiasethi zemali ezisekwe kuzo ezi mali zotyalo-mali. Ngoncedo onokukhetha kulo imodeli esele yenziwe ziinkampani zolawulo ngokwakho. Kwinto emiselweyo, eyona nto ibalulekileyo kule mveliso kutyalo-mali.
Kwelinye icala, kufanele kuqatshelwe ukuba ezi mali zotyalo-mali zithathwa njengeemveliso ze ulawulo olusebenzayo okanye olungenziwayo kwimeko nganye. Apho ulawulo lwabo luthathelwa ingqalelo ngexesha lokuqesha kubo ukusukela ngoku kwaye oko kungakhokelela ekuziphatheni kwabo ngendlela eyahlukileyo. Kungenxa yokuba, umzekelo, kulawulo olusebenzayo utyalo-mali lunokulungelelaniswa neemeko ezintsha ezibekwe ziimarike zezabelo ngokuhluka okukhulu kwipotfoliyo yotyalo-mali. Ukuya kwinqanaba lokuba imida yenzuzo efikelelweyo kude kube lelo xesha inokuphuculwa.
Isasazwa ziindawo zejografi
Enye yeempumelelo ezinokwenzeka kutyalo-mali ivela kukwahlukahlukana kwimimandla yejografi. Unokukhetha iYurophu, iMelika, imarike yesitokhwe evelayo okanye nayiphi na enye indawo kumaziko ezezimali. Kuba imalunga nokuphela kosuku kukuba yonke imali etyalomaliweyo ayiyi kwindawo enye okanye kubhasikidi ethe ngcono. Ngayiphi na imeko, sisixhobo esinamandla sokukhusela izikhundla zethu kwiimarike zezemali xa behamba ngalo mzuzu wokungazinzi. Ukuvumela ukuba sikhethe uhlobo lotyalo-mali Ngakumbi Kuzo zonke iimfuno zethu kwixabiso elongezelelweyo elisizisela izibonelelo ezininzi ukusukela ngoku.
Ngelixa kwelinye icala, singekhe silibale ukuba ukukhetha utyalomali oluhanjiswe kwimimandla yejografi akunakunceda ekuphuculeni imida yokulamla ukusukela ngoku. Ngokukodwa, kuba iya kunciphisa ilahleko kwiimeko ezininzi, ngakumbi kumaxesha akhethekileyo apho ukungazinzi kuyinto eqhelekileyo kwizenzo zezi asethi zemali kwaye oko kunokuba nakho kukhokelela kwiimeko ezingafunekiyo ezilungiselela thina, njengoko kwenzekile kule minyaka idlulileyo. Kwaye kuthi kuthi ekufuneka bafunde ukuziphatha kakuhle ngakumbi ukufezekisa iinjongo zethu kwiimarike zezabelo.
Ukhuseleko kumacandelo ngamacandelo
Esinye isitshixo sempumelelo kutyalo-mali kwimarike yemasheya kungenxa yokwahluka kumacandelo emarike yemasheya ahlukeneyo. Ngokwenyani oku kuthetha into elula ukuchaza indlela ekufuneka uyihambise ngayo imali imigca eyahlukeneyo yeshishini, ayisiyiyo enye, njengoko inani elincinci labatyali mali abancinci nabaphakathi besenza ngamanye amaxesha. Unokukhetha umbane, iibhanki, iinkampani zokwakha, unxibelelwano ngomnxeba okanye iinkampani ezisa ukutya, phakathi kwezinye zezona zibalulekileyo. Ngale ndlela, i-2020 iya kuba ngunyaka weembuyekezo ezilungileyo apho kufanelekileyo ukusondela kwiimveliso ezinciphisa ukungazinzi kweephothifoliyo zethu. Kwaye yeyiphi indlela ebhetele kunokwahlulahlula iiasethi zemali ngokusekwe kumacandelo emarike yazo.
Kwelinye icala, kufanele kuqatshelwe ukuba kwezi nyanga zimbalwa zizayo okanye nakwiminyaka, utyalo-mali lwehlabathi lolona luninzi kwaye kufuneka lukhokele kwipotfoliyo yethu elandelayo yotyalo-mali. Ukusuka kule ndawo yokujonga, akukho nto ibhetele kunokudibanisa ezona ziqendu zikhoyo ngoku kwaye enokuba sesinye sezitshixo ekuphuculeni imbuyekezo kulondolozo lwethu olutyaliweyo. Inokuphuculwa ngamanqaku eepesenti ezimbalwa ngaphezulu kokusebenza kokuqala. Ukuze ngale ndlela, iinzuzo ezinkulu zikhulu kunangaphambili ukwenza esi sicwangciso sotyalo-mali kudala silindelwe ngabasebenzisi beemarike zentengiso.
Kuxhomekeke kunikezelo lwesahlulelo
Enye indlela yokuxhasa inzuzo yotyalo-mali isekwe ekukhetheni iinkampani ezidwelisiweyo ezihambisa izabelo phakathi kwabanini zabelo. Ukuze ngale ndlela, kubekho umvuzo ozinzileyo kunye noqinisekisiweyo minyaka le nantoni na eyenzekayo kwiimarike zezabelo. Ivumela ukufumana inqanaba lenzala ukuya kuthi ga kwiipesenti ezingama-9 rhoqo kwaye nakweyiphi na imeko ingaphezulu kwale inikezelwa zizo zonke iibhanki okanye iimveliso zengeniso esisigxina. Apho umda wokulamla ungaphaya kwe-0,75% kwaye ungonelanga ukuhlangabezana neemfuno zabasebenzisi bebhanki.
Ngelixa kwelinye icala, isicwangciso-qhinga sotyalo-mali esekwe kunikezelo lwesahlulo sinika uzinzo olukhulu kwipotfoliyo yotyalo-mali yabona bazinisi abathengisayo okanye abathengisayo. Kwaye oko kungadityaniswa nezinye iiasethi zemali ezinobundlongondlongo ngakumbi kwaye zibonelela ngomngcipheko omkhulu ekusebenzeni. Ngale ndlela, iintsingiselo zala maxabiso zithathelwa ingqalelo ukubonelela ngokhuseleko ngakumbi kwiziphumo zale ntshukumo kwiimarike zezabelo. Ukuba yenye yeendlela ezihamba phambili zilandelwa linani elilungileyo labantu abakhetha olu hlobo lwezicwangciso zotyalo-mali.
Idityaniswe nezinye iiasethi
Ewe kunjalo, ayizizo kuphela iindlela esinokuthi sakhe iphothifoliyo yethu ukusukela ngoku. Ukuba akunjalo, ngokuchaseneyo, kukho enye indlela yokwenyani yokuxuba iiasethi zesahlulo nezinye iimodeli kutyalo mali. Banokuvela kwizikhundla ezilondolozayo, ezinjengee-asethi zemali, njengefomula yokuthintela ilahleko enokubakho kwimarike yemasheya. Ngelixa kwelinye icala, unokukhetha ezinye iiasethi ezinobungozi obuphezulu njengearhente yokuthengisa izindlu nomhlaba kunye neenjongo zazo eziphambili kukuphucula ukusebenza kwale misebenzi yesitokhwe. Ukuba lelinye lamagalelo aphambili kwesi sicwangciso sotyalo mali.
Enye inyani efanelekileyo kwesi sicwangciso kukuba inokuhlengahlengiswa kwiimfuno zeprofayili yabatyali mali abancinci nabaphakathi. Apho iyakwahluka kwimeko nganye kwaye ngendlela ethile yenziwe ibe semgangathweni ukuya kuthi ga kubasebenzisi ngokwabo. Ukusuka kubundlongondlongo ngakumbi, iindlela ezikhuselayo okanye eziphakathi ngokuxhomekeke kwiimfuno zomntu ngamnye. Oko kukuthi, phantsi kokuguquguquka okulungele ukuqaqanjiswa kuba ayisiyiyo imodeli emileyo, kodwa ngokuchaseneyo, ibaluleke kakhulu kuzo zonke iimeko. Ukuze ikwindawo yokuphucula izibonelelo zale misebenzi kwiimarike ze-equity kwaye kwiimeko ezininzi iinjongo ezibekwe ngaba bathengi ziya kufezekiswa.
Njengoko kuya kubakho ukubonisa ukuba utyalomali kwimarike yemasheya inokuba bhetyebhetye ngakumbi kunoko kunokucingwa ekuqaleni. Ngale ndlela, kunokwenzeka kuphela ukuba ukhethe imodeli ehlangabezana kakuhle neminqweno yabatyali mali abancinci nabaphakathi. Injongo, emva kwayo yonke loo nto, ikhoyo kwindlela yabo yobudlelwane babo nehlabathi lemali.