Enye yezona zinto zinomdla wokuvula okanye ukuvala izikhundla kwiimarike ze-equity yenziwa ngenkxaso nangokuchasa. Kodwa ngaba siyazi ngokwenene ukuba athetha ntoni la manani? Ewe, ngaphambi kwenkcazo yayo echanekileyo, kuyakufuneka ukuba uqaphele ukuba ezi ngcamango zentengiso yesitokhwe sisixhobo esisebenzayo kwi uhlalutyo lobugcisa yeemarike zezemali. Ukuza kuthi ga kwinqanaba lokuba bazinywe yinxalenye elungileyo yabatyali mali abancinci nabaphakathi ukuze baqwalasele iipotifoliyo zabo.
Ngaphakathi kulo mxholo ngokubanzi, kunokuthiwa inkxaso lixabiso elinokuthenjwa elingaphantsi kwexabiso langoku. Isicwangciso-qhinga sakhe kukuba amandla okuhla angacothiswa kwaye ke ixabiso liya kuphinda libuye. Ngamandla angaphezulu nangaphantsi ngokuxhomekeke kwiitokhwe ezininzi zentengiso. Ukuba kuyo nayiphi na imeko indawo yokuqala ukuqala ukusebenza kwiimarike zezemali, nokuba kukwizikhundla ezinobundlongondlongo ngaphezu kwesiqhelo kwezi meko.
Yidatha ethathelwa ingqalelo inokuthenjwa kwaye kunqabile ukuba yenziwe ingaphendulwa kwaye iyimpendulo kwi umthetho wonikezelo kunye nemfuno yamasheya adweliswe kwizalathiso zamashishini zamanye amazwe. Ngomda weeshumi ezimbalwa ze-euro ukuze ungaphazami ekuchongeni inyani. Akumangalisi ukuba ngumthombo wesalathiso olandelwa ngokubanzi yinxalenye enkulu yeearhente zezemali. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye kwanakwindawo yokujonga izinto ezisisiseko.
Ukuxhasa kunye nokumelana
Ukuxhathisa, ngokuchaseneyo, kuyintshukumo echasene naleyo imelwe yinkxaso. Oko kukuthi, lixabiso ngaphezulu kwangoku kwaye ke ngoko umfutho wokunyusa phezulu ophuhlileyo ukuza kuthi ga ngoku uya kupheliswa. Nangona kunjalo, ukubaluleka kwale ntshukumo ibalulekileyo kuhlala kwinto yokuba ukuba kugqityiwe kweli nqanaba lifanelekileyo, ukubanakho ukuphinda kuqwalaselwe kubaluleke ngaphezu kokubaluleka. Ilindelwe linani elililo labatyali zimali abancinci nabaphakathi ukuba baqale ukusebenza kwiimarike zezabelo. Ngeentshukumo ngokubanzi ezinokuthenjwa kwaye ezinzima kakhulu kwiimpazamo.
Kwelinye icala, isampulu yala mandla kwezi zikhombisi zobuchwephesha ithathwe kule nto siza kuyichaza apha ngezantsi. Kuba, enyanisweni, inkxaso okanye ukuxhathisa kuzuza amandla amakhulu Amaxesha amaninzi kuvavanyiwe ngaphandle kwexabiso eliwe okanye lenyukile kuloo nqanaba kuthethwa ngalo. Esi sesinye sezizathu eziphambili zokuthembeka kwayo ukuba namandla amakhulu kwaye isebenza ukongeza okanye ukuphelisa isitokhwe kwiphothifoliyo yotyalo-mali ephuhlisiwe ukuza kuthi ga ngoku.
Ubude beli nyathelo lobugcisa
Enye yezona zinto zibaluleke kakhulu kula manani abalulekileyo kwimarike yemasheya isusela kwinto yokuba njengenkxaso okanye ukumelana hlala ixesha elide Okwangoku kuthathelwa ingqalelo ukuba impendulo yabo iya kuba namandla ngakumbi. Ngamanye amagama, iya kuba nokubonga okukhulu kunakwimeko ezithile ezineempawu ezifanayo. Apho elona cebiso lililo liyakuba kukuthenga okanye ukuthengisa ezokhuseleko ukuze wenze inzuzo okanye ukhusele izikhundla zabo kwiimarike zezabelo. Ngaphezulu kokuqwalaselwa kobuchwephesha kwiindlela zabo zobuchule zotyalo-mali.
Ngayiphi na imeko, kufanele ukuba kuqatshelwe ukusuka kulo mzuzu ukuba eli klasi lamanani liqheleke kakhulu kulo naluphi na uhlalutyo lobuchwephesha alukhathaleli ixesha labo ngokuhamba kwexesha. Ngengqiqo yokuba ukunganyangeki okanye inkxaso ethe yahlala ixesha elide inethuba elingcono kakhulu lokuphumelela kuloyiso lubaluleke kakhulu. Ke ngoku iya kugqiba ngamandla inokuba nayo, enye indlela okanye enye. Ukuze ukuba kunjalo, unokwenza isigqibo ngeengxoxo ezininzi ngakumbi kunangoku. Yinto ekufuneka uyixabisile ukusukela ngoku ukuya phambili kwaye le yinto ekufuneka igxininisiwe.
Amaxabiso kumanqanaba okuvala
Enye into ekufuneka ivavanywe ukusukela ngoku ukuya phambili kukuba zombini izixhasi kunye nokumelana kunamandla icandelo leemvakalelo ukusuka kwindawo yokujonga imarike yestokhwe. Ngokumalunga nenyaniso yokuba ixabiso lezabelo zezinto ezikhuselweyo kufuneka zivale iiseshoni zokurhweba ezingezantsi okanye ngaphezulu kwala manqanaba. Ngenjongo yokuba la manani endalo yemarike yemasheya anokuqinisekiswa phambi kwezikhundla kunye nezigqibo zabatyali zimali abancinci nabaphakathi.
Kwelinye icala, akufuneki ilibale ukuba la manani asetyenziswa rhoqo ukwenza imisebenzi yorhwebo. Oko kukuthi, umahluko omncinci kakhulu phakathi kokuthenga kwabo kunye nentengiso kwaye efuna ukufunda okungakumbi ukulungelelanisa amaxabiso ngendlela echanekileyo nesebenzayo. Akumangalisi ukuba ingxaki yayo enkulu ilele ekubeni la manqanaba angaba yi-alamu engeyiyo kwaye angadala imeko eyingozi kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Apho banokulahlekelwa yimali eninzi kolu hlobo lokuhamba kwiimarike ze-equity.
Usebenza njani ngala manani?
Ewe kunjalo, ukusebenza kunye neenkxaso kunye nokumelana akunzima kakhulu kwaye kufanelekile kuyo nayiphi na iprofayili yabatyali mali. Kungenxa yokuba isekwe kulindwe ixabiso lesitokhwe fikelela kula manqanaba ukwenza isicwangciso sotyalo-mali kwaye sinokubaninzi kwaye sahluke, njengoko uya kuba nakho ukuqinisekisa ngala maxesha achanekileyo. Omnye weyona mizekelo iqhelekileyo kwimisebenzi yokuxhathisa ulinde la manqanaba abalulekileyo ukuba agqithiswe ukuze kwenziwe ukuthengwa kwaye oku kunokuba nobundlongondlongo okanye ekufumaneni.
Ngokuchasene noko, ukuba nakweyiphi na imeko le meko ayenzeki, isenokuba sisizathu esifanelekileyo rhoxisa izikhundla ngexabiso. Phakathi kwezinye izizathu kuba ukulungiswa kwamaxabiso abo kunokumakishwa kakhulu ukusukela ngoko. Ngayiphi na imeko, ayisiyiyo imeko yokuvula izikhundla kwimarike yemasheya kuba unazo zonke iivoti zokushiya ii-euro ezininzi endleleni. Ayizukumangalisa kakhulu into yokuba inkxaso yoqobo ifunwa ukumisa ukuwa kwexabiso. Ngaphandle kwezinye izinto eziqwalaselweyo zohlalutyo lobuchwephesha kwaye mhlawumbi nakwimbono esisiseko.
Urhwebo kumanqanaba enkxaso
Ubucukubhede obuxhaswayo buyafana nakwimixokelelwano, ngaphandle kwakumahluko othile kunye nokuncinci. Ngale ndlela, kuyinto eqhelekileyo ukuba la manqanaba kwindawo efanelekileyo asebenzise isiqulatho ukuze kungabikho kuncipha kwixabiso. Kodwa ukuba nakweyiphi na imeko bekungenjalo, akusayi kubakho lungiselelo kodwa ukuvala izikhundla kuba ukuwa ukusuka kulo mzuzu ukuya phambili kunokuba nzulu kakhulu ngokobunzima. Ukuba, ngokuchaseneyo, bayema kula manqanaba, inokuba yindawo apho a isigaba esitsha sokwandisa Kwimpahla yexabiso eyimali, yobukhulu obukhulu okanye obuncinci.
Kwezi meko, umda kufuneka unikezwe ngexabiso apho amanqaku axhasayo ayona njongo iphambili yokungenzi mpazamo ekuchongeni isifo kwaye inokuba ngumqobo omkhulu kubacwangcisi abaqeshwe kutyalo-mali lwethu. Ubuncinci kuya kufuneka unike umda omncinci iisenti ezimbalwa ze-euro ngokungqinelana namaxabiso. Ke ngale ndlela, akukho zimpazamo kubalo ukutolika la manani abalulekileyo kwimarike yemasheya. Kwelinye icala, kuya kufuneka uyazi ukuba la manani emarike yemasheya kulula ukutolika kwaye ngokusebenzisa igrafu ehlaziyiweyo anokufumaneka ngokulula kuyo nayiphi na iprofayili yotyalo-mali.
Kulula ukutolika
Ukuba ulandela ezinye zezi ngcebiso, akukho mathandabuzo okuba uya kuba kwimeko efanelekileyo yokwandisa ukusebenza kwiimarike zezabelo. Ngaphandle kwesicwangciso oza kusisebenzisa kwityeli ngalinye. Kwimeko nayiphi na into, ngokuqinisekileyo uya kulungelelanisa amaxabiso ngcono kakhulu igalelo kunye nemveliso kwii-asethi zemali ezikhethiweyo. Le yinkqubo elandelwa ngokubanzi zizo zonke iintlobo zabatyali zimali abancinci nabaphakathi, ukusuka kwabo banamava ambalwa kolu hlobo lomsebenzi ukuya kwabo babonelela ngokufunda ngakumbi. Ngaphandle kokukhutshelwa ngaphandle kwalo naluphi na uhlobo kuba konke oku malunga nokwenza imali eyinkunzi kube yimpumelelo enkulu. Akusekho okungaphantsi.
Okokugqibela, qaphela kukuba le yenye yeendlela ezilula onazo ngalo mzuzu ukuba usebenze ngazo naziphi na iimarike zezemali. Ungayenza kwasekuqaleni ngaphandle kohlobo lokuthintela kuba ayinampembelelo imbi kwimidla yakho yobuhlobo kubudlelwane bakho nehlabathi elihlala linzima lemali. Kuya kufuneka ube ngqongqo kakhulu kunye nokusetyenziswa kwesihluzi ukuze ukwenze ngokuchanekileyo nangaphezulu kwako konke ngokufanelekileyo. Akumangalisi ukuba le ibe yenye yeenjongo zakho ezifanelekileyo xa uphuhlisa zonke iintlobo zemisebenzi kwiimarike zezabelo.