Enye yezinto ezinomtsalane kwii-equity yingqokelela yezahlulo ezinye iinkampani ezidwelisiweyo ezibavuza abanini zabelo. Kuba ngoku, esi sicwangciso sikwiphepha le- utyalo mali ivumela abasebenzisi ukuba bafumane intsebenzo kwimali oyigcinileyo iqinisekiswe ngokupheleleyo kwaye yalungiswa iminyaka. Ukuza kuthi ga kwinqanaba lokwenza ingeniso esisigxina ngaphakathi kokungafaniyo. Yindlela esebenzayo yotyalo-mali xa imiqathango yesigxina ijolise kweliphakathi nelide. Konke oku, ngaphandle kokuvela kwayo kwiimarike zemali.
Ukuhlawulwa kwezahlulelo sisixhobo esifunwa linani elonyukayo labatyali mali abancinci nabaphakathi. Akumangalisi ukuba yindlela yokwenza khusela umdla wakho kwiimarike zezabelo. Ngaphezulu kwezinye iindlela apho inzuzo ibekwa phambili ngaphezulu kwezinye izinto ezingafunekiyo. Alinakulityalwa nanini na ukuba yeyona ndlela ikhethekileyo yokuzikhusela kwezi meko zingathandekiyo zezabelo. Apho kukho ukungqubana okunamandla kwiingxowa.
Ukongeza, enye yeenzuzo zentengiso yesitokhwe yaseSpain lelinye lamaziko emali apho izabelo zikhona zisasazwa rhoqo ngakumbi. Uninzi lweenkampani ezidweliswe kwisalathiso esikhethiweyo, kwaye nangaphandle kwayo, zikhethe ukunika umvuzo obalulekileyo kubanini zabelo. Ziphantsi zonke iipesenti, oko kukuthi, ngezahlulelo eziphakamileyo kakhulu kunye nezinye ezingabalulekanga ngakumbi. Abatyalomali banoluhlu olubanzi lwezahlulo onokukhetha kuzo kwaye phantse ngaphezulu kunayo nayiphi na enye indawo.
Ukwahlulahlula: 3,1% ukubuya
Iziganeko zezahlulo kwiinkampani kukuba zizama ukuzonyusa minyaka le. Ngale ndlela, umyinge wesivuno kuqikelelo lwesahlulo ngo-2017 eUnited Kingdom naseYurophu 4,1% kunye ne-3,1%, ngokulandelelana. Phambili kwezo zibonelelwa zezinye iimarike zamanye amazwe. Njengakwimeko ethile ye-2% ye-United States okanye i-2,1% ye-Japan. Ukusuka kule meko yehlabathi, kunokuthiwa ilizwekazi elidala yindawo elungileyo yokuqokelela izabelo. Kwaye ngakumbi eSpain, apho kuyinto eqhelekileyo ukuba iinkampani zibhenele kwesi sicwangciso sikhethekileyo.
Kodwa yintoni entsha ngokwenene kukuba esi sicwangciso iphinde yafakwa kwingxowa mali. Kuyinyani ukuba ayizizo zonke, kodwa kukho inani elaneleyo ukuze wanelise le mfuno kutyalo-mali. Ngenxa yoku, iinkampani zolawulo ziye zonyusa iimveliso zezemali zezi mpawu. Apho abanini bafumana isixa esimiselweyo nesiqinisekisiweyo inyanga nenyanga. Nangona kukho umahluko malunga nokuthengwa ngokuthe ngqo kunye nokuthengiswa kwezabelo kwimarike yemasheya.
Kuzo zombini eziguqukayo kunye nengeniso esisigxina
Ayisiyondlela ekukholelwa ngayo, kwingxowa mali yotyalo mali eyahlukileyo apho lo mvuzo wenziwa. Kodwa mva nje ufumene ingeniso esisigxina okanye iimodeli ezidityanisiweyo ezidibanisa iindlela ezimbini zotyalo-mali. Ngayiphi na imeko, kuya kufuneka uhlalutye into ekubonelelwa ngayo kwezi mveliso zezezimali ukubona ukuba yintoni ehlangabezana nale mfuno kwaye uyiqeshe ukuba lo ngowona mnqweno wakho ungxamisekileyo. Ukuze ngale ndlela, ube nengeniso emiselweyo minyaka le. Ngale ndlela, ukuthengiswa kwemali kwiakhawunti yakho yokutshekisha kuya kuba sempilweni ngakumbi ngaphambi kweendleko ezenziwe luqoqosho lwasekhaya nganye nganye.
Nangona kunjalo, izabelo zeemali ezihlanganyelweyo azomelelanga kwimarike yemasheya. Ewe akunjalo, kuba eyakho Umyinge ophantsi wenzuzo ukuya kuthi ga kwiipesenti ezi-3 nge-5% Eziveliswa ekuthengweni nasekuthengisweni kwezabelo. Umahluko wokuqala oya kunikwa ngulo mvuzo kwizabelo. Ukongeza, amaxesha okuhlawulwa awaguquki njengakwimakethi yesitokhwe kuba ixesha labo lide. Ihlala ibakho rhoqo ngonyaka okanye kwisemester nganye. Baya kuya ngqo kwi-akhawunti yakho yokutshekisha ngomhla abakhutshwe ngawo.
Omnye umahluko okhoyo kwiimali ezixhaphakileyo kukuba zihlala zihlala Umahluko omandla kwintsebenzo unyaka nonyaka. Kuxhomekeke ekuziphatheni kwepotifoliyo yotyalo-mali eyenziwe ngabaphathi ngokwabo. Nokuba unobungozi bokuba iintlawulo ziya kubekelwa ecaleni ngenxa yemeko yeemarike zezemali. Ukusuka kule meko, iyimveliso engazinzanga ngokunxulumene nokuhlawulwa kwezahlulelo. Kuyacaca nokuba kunzima ukulinganisa iipesenti zabo. Apho kungayi kubakho khetho ngaphandle kokuya kwiincwadana zabo zolwazi ukufumanisa ukuba ngowuphi owona mvuzo kwaye uhlawulwa nini ngenxa yeakhawunti.
Iintlawulo ezincinci zesisa
Ukuba izabelo zemali yotyalo-mali zahlukaniswa yinto ethile, kungenxa yokuba azifikeleli kwimali eveliswe yimarike yemasheya. Bahlala bekho ezo zisekwe kwii-equities ezibonisa owona msebenzi mhle. Ukuya kuthi ga kwinqanaba apho iimali zinokubhaliswa ezenziwa ngokukodwa kule klasi yezokhuseleko. Ngelixa enye yeendlela eziqhutywa kwii-indices kwezi nkampani zidwelisiweyo zidityanisiwe. Ngokubuya kwimali esongiweyo ingcono ngakumbi kunenye imali. Ngayiphi na imeko, kunyanzelekile ukuba sihlalutye ukubonelelwa kwezi mveliso zezezimali ukumisela inzala eza kufunyanwa kwezi nyanga zilandelayo.
Kananjalo ayinakulityalwa loo nto unyango lwerhafu Ezi mali zifana ncam nemarike yemasheya. Kuba, enyanisweni, akukho mahluko nangayiphi na into kumzuzu wokugqibela werhafu. Ke ngale ngqiqo, abatyali mali abancinci nabaphakathi banokukhetha zombini iimodeli zembuyekezo. Ngamaxesha onke kuxhomekeka kukhetho lwabo buqu kunye nesicwangciso abaza kusisebenzisa ukusukela ngoko ukuya phambili. Ayothusi into yokuba yenye yezikhuthazi zokwenza ukuba ezinye zeengxowa mali zotyalo mali zibe semthethweni.
Izibonelelo zale mali
Ukumiselwa ngokusesikweni kwezi mveliso zezahlulo kubandakanya uluhlu lwemirhumo eya kuba luncedo kakhulu kuwe ukuba ukwazi ukusukela ngoku. Eminye isemilebeni yomntu wonke, kodwa abanye baya kukumangalisa ngandlela thile. Ke nguwe ekugqibeleni othatha isigqibo sokuba kufanelekile ukuthenga ezi mveliso zezemali. Hayi iphantsi, iya kuba sisigqibo sobuqu kwaye esiya kuxhomekeka kwizinto ezininzi, kuba kwelinye icala kusengqiqweni kwaye kuyaqondakala. Phakathi kwazo kukho ezo sikubhenca zona ngezantsi.
- Iya kukunceda yonyusa ukonga kwakho unyaka nonyaka, kwaye benze ibhegi yokonga eyomeleleyo kule minyaka imbalwa izayo. Ukusuka kolu luvo, yimveliso ekujongwe ukuba yenzelwe iprofayili yomtyali mali olondolozayo kwaye ufuna ukwandisa ikomkhulu lakho kancinci kancinci.
- Kunyaka ngamnye uneemveliso ezininzi onokukhetha kuzo. Ayisafani nakudala apho bebekuvumela kuphela ukuba uzilinganisele kwiingxowa-mali ezimbalwa zotyalo-mali. Ukongeza, ngembuyiselo ezisezantsi kakhulu kwaye ngaphezulu kwe-3%. Zonke zivela kwiimarike zamanye amazwe. Ngaphandle kwamagunya amakhulu kwicala labaphathi abajongene nokuzenza.
- Ewe iyimveliso ye akhonto indlongondlongo. Ingakumbi ukuba uthenga nabanye apho umngcipheko uphezulu kakhulu kwaye ungaphulukana nemali eninzi ngamagalelo akho emali. Ubuncinci yinkalo ekufuneka uyivavanye kwasekuqaleni ukucwangcisa utyalomali kulo naliphi na ixesha lesigxina.
- Kule meko, uqokelela izabelo ngokungangqalanga. Oko kukuthi, hayi ngokudweliswa kweenkampani, kodwa ngokuchaseneyo yeemali zotyalo mali ngokwazo. Yinto ebaluleke kakhulu ekufuneka uyithathele ingqalelo ngalo lonke ixesha uqesha ezinye zeemodeli zolondolozo.
- Ukuqokelelwa kwezahlulo akuyi kukuvelisela Akukho luhlobo lweekhomishini, okanye iindleko ekugcinweni nasekulawulweni kwayo. Balawulwa ziindlela ezifanayo zokuthenga nokuthengisa izabelo kwiimarike zesitokhwe. Ngaphandle kwawo nakuphi na ukwahluka koomatshini ababuyekezayo. Ngaphandle kwezohlwayo eziqhelekileyo kule klasi yeemveliso.
- Isicwangciso apho baya besanda abaphathi. Ngenjongo yokutsala inani elikhulu labathengi. Ukuze ngale ndlela, bakhethe ezi modeli zikhethekileyo ukuze bonakalise ezinye iimali eziqhelekileyo. Ngokunyuka okuqhubekayo kwisibonelelo sayo minyaka le.
- Ndikunike ngaphezulu uzinzo kwibhalansi yeakhawunti yakho yokujonga. Nangona ukuba eyona nto uyifunayo kukuphucula inzuzo, ayizukuba lolona khetho luchanekileyo. Kuba ngokubanzi ziingxowa-mali zotyalo-mali hayi ngomngcipheko ogqithileyo. Kuphela ezo zinxulunyaniswa nokwahluka kwiimarike zezabelo.
- Kwaye okokugqibela, awungekhe ulibale ukuba lutyalo-mali ekupheleni kosuku. Phi ungaphumelela okanye ulahlekelwe yimali, kuxhomekeke ekuziphatheni kokhuseleko kwiimarike zemali. Akumangalisi ukuba zenzelwe iintlobo ezahlukeneyo zeeprofayili zomsebenzisi. Ubundlongondlongo, ubeko olululo okanye ubume obuphakathi, phakathi kwezinye ezifanelekileyo.