Izibonelelo zeemali zotyalo-mali

Elinye lamajelo okwangoku onokuthi utyale kuwo ukonga kungenxa yotyalo mali olusekwe kwizabelo. Ngenye yeendlela onokuzibeka ngazo kwimarike yemasheya. Usenokungabaza ukuba ukhethe ukuthenga nokuthengisa izitokhwe kwiimarike zesitokhwe okanye kwezi mveliso zininzi bhetyebhetye. Ukuze ube neziseko ezingaphezulu kwisigqibo sakho, siza kukucacisela ukuba zeziphi izibonelelo eziziswa zezi modeli ukwenza ulondolozo lube nenzuzo.

Ngokomgaqo, kufanele kuqatshelwe ukuba akukho mveliso ilungileyo okanye imbi. Kodwa yonke into iya kuxhomekeka kwiprofayili oyivezayo njengomtyali mali omncinci okanye ophakathi. Kwaye inqanaba lomngcipheko ozimisele ukulithatha kwiinyanga ezimbalwa ezizayo. Nje ukuba ucace malunga nezi ndlela, iya kuba lelona xesha lokuqalisa lotyalo-mali lwakho. Ukwazi ngalo lonke ixesha ujongene nengeniso eyahlukileyo, kwaye ungaphumelela okanye uphulukane. Kuxhomekeke kwinto ezenziwa ziimarike zemali.

Iimali zotyalo-mali ezinxulunyaniswe namashishini ezingenanzala emisiweyo ziyimveliso ebonakaliswa yinto yokuba ibifakwe ngokusisigxina kwisibonelelo sebhanki ngalo mzuzu. Awuyi kuba nangxaki nokuqesha enye yezi mali. Unokukhetha nakwiimodeli ezininzi ezenziwe ngabaphathi. Nangona benesakhiwo esifanayo, indalo yabo yahlukile kakhulu kwaye esi sisibonelelo sokuqala sokuba ukuqeshwa kwabo kubandakanya.

Izimali: iifom zotyalo-mali

Ukuba uyathandabuza ukuqala ukusebenza ngale modeli yotyalo-mali ingeniswe ngolu hlobo kubhengezo lwebhanki, kuya kufuneka uthathele ingqalelo elona galelo lakhe liphambili. Ayisiyonto ngaphandle kwithuba ekubonelela ngalo ukuba wenze ibhaskithi yezabelo. Ngokuchasene nokuthenga kunye nokuthengisa isitokhwe kwimarike yemasheya, apho ujolise kukhuseleko olunye. Kwimali, ulwakhiwo lwahlukile kuba uthatha inxaxheba kwizinto ezahlukeneyo zemali. Inokuba nemvelaphi oyifunayo ngokwakho. Akukho miqobo okanye ukungafakwa.

Ufumana ntoni ngesi sicwangciso sotyalo-mali? Ewe, into elula njengaleyo uyakube uchaphazela izikhundla zakho kwiimarike ze-equity. Ngamasheya awahlukeneyo, amacandelo okanye ii-indices zentengiso yemasheya. Ayizukuba nguwe oza kubakhetha, kodwa baya kuba sele bemiselwe ziimodeli ezenziwe ziinkampani zolawulo. Ngenxa yoko, awunakukhathazeka malunga nokuba eli lixabiso elingcono kunelinye. Kuya kufuneka uthathe isigqibo sokurhuma kuphela kwingxowa-mali ekubhekiswa kuyo.

Obu buchule kulungiselelo lwayo kunokuba luncedo kakhulu kwimidla yakho. Akumangalisi ukuba inokukunceda ukhusele imali kwezona meko zibi kwiindlela zakho zobuqu. Ngenxa yokuba uya kukhuselwa ngotyalo-mali olwahlukeneyo. Awungekhe uqokelele eyona mbuyekezo ilungileyo ngexesha elifanelekileyo kwimarike yemasheya. Kodwa ngenxa yeso sizathu sinye, ezona zimbi ziya kuba nendaleko ephantsi kunokuthatha isikhundla ngokuthe ngqo kwintengiso yesitokhwe.

Unikezelwa ngesibonelelo esibanzi kakhulu

Olunye uhlobo lwegalelo eliphambili oluvela ekuqeshweni kwakho kukuba uya kuba neemodeli ezininzi onokukhetha kuzo. Ngaphezulu kunokuba unokucinga ekuqaleni. Oku kuyakukunceda ukuba ujonge isiqinisekiso esikhulu oza kusisebenzisa ukusukela ngoku. Unokukhetha iimarike zelizwe kunye nezinto ezimelwe ngaphandle kwemida yethu. Ukusuka kwezona ndawo zinamandla zokutshintshiselana ngesitokhwe emhlabeni, ezinje ngeJamani okanye isiFrentshi, ukuya nakwiimarike ezingalindelwanga ukuba kude kube kutshanje ubungenazo iindaba malunga nezitokhwe zabo. Iyenzeka namanye amazwe amancinci ukusuka kwilizwekazi laseAfrika ukuya kwelaseAsia.

Ngayo nayiphi na imarike yemasheya ocinga ukuba inokuba yinzuzo kakhulu. Okanye ubuncinci ngaphezulu kokunye. Njengoko ubona, izibonelelo zotyalo mali ezinxulunyaniswe namashishini zingaphezulu kokumangalisayo. Ukuya kwinqanaba lokuba uya kuba nengxaki engaphezulu kwesinye ngokhetho lwakho. Iiakhawunti ezinezindululo ezigqithileyo eziza kwenza kube nzima kuwe ukuba wenze nasiphi na isigqibo ngalo mzuzu uthatha isigqibo sokutyala imali oyigcinileyo ngale mveliso yemali aziwa kakhulu phakathi kwabagcini.

Nokuba kunokwenzeka ukudityaniswa nezinye iiasethi zemali. Njengomzekelo ngengeniso esisigxina. Nangona kule meko besingayi kuphinda sithethe malunga nengxowa mali yotyalo mali, kodwa malunga neemodeli ezixubeneyo. Siza kuthetha ngayo kwelinye inqaku. Ewe, bakunika ukungafani okungafaniyo, kwelinye icala kwimarike yemasheya ayinakukunika yona. Kuya kuba kubaluleke kakhulu ukuba ulixabise eli nqaku xa uthatha isigqibo sokutyala imali oyigcinileyo. Kodwa awuqinisekanga ukuba loluphi uhlobo lotyalo-mali.

Ngaba iimali ezihlangeneyo zibiza?

Ngokuqiniseka konke, enye indlela oza kuyenza ngalo mzuzu uza kubandakanya ukuba ngaba ukwenziwa kwawo ngokusemthethweni kuya kudla imali enkulu. Ngokomgaqo akufuneki kube ngolu hlobo, kuba baxhomekeke kwiikomishini ezizinzileyo abazinyanzelayo. Awafani kuzo zonke iimeko kwaye axhomekeke kwizinto ezininzi eziqwalaselweyo. Kuyo nayiphi na imeko, inye into ekufuneka uqiniseke ngayo kwaye ubuninzi abanokukuhlawulisa ngokwenza ikhontrakthi yotyalo-mali yi-2% yenkunzi yotyalomali. Nangona kunqabile ukuba ufikelele kula manqanaba, njengoko ubona kwisibonelelo sangoku sokuba ezi mveliso zezemali zikunika zona.

Zininzi iintlobo zekhomishini, kodwa kuzo zonke iimeko ziyasebenza kuwe. Banokuba ngabaphathi, idiphozithi, ubhaliso, njl. Kwaye inomdla kakhulu esandula ukwenziwa. Yikhomishini ebizwa ngokuba yinzuzo. Isekwe kwinto elula njengokuba baya kukuhlawulisa ireyithi ukuba ungaphezulu kobuncinci benzuzo. Kodwa ngokuqinisekileyo iya kuba yenye yezo ungazikhathalelanga ngokuhlawula. Ewe? Ayothusi into yokuba licebo lokuba abaphathi bayile kwiinyanga ezidlulileyo ukuthengisa iimveliso zabo.

Ukusuka kolu luvo ngokubanzi luboniswe kwingxowa-mali yotyalo-mali kwimarike yemasheya, inkcitho enokukubandakanya inokuphakama kunaleyo yenziwa kukuthengwa ngokuthe ngqo kwezabelo kwiimarike zesitokhwe. Kodwa ngaphantsi kweepesenti ezingabekiyo, kwaye nangayiphi na indlela akufuneki ukuba nefuthe kwisigqibo sakho sokugqibela. Imalunga nokufumana eyona mbuyekezo ilungileyo kwimeko nganye. Kwaye ukusuka kolu luvo, zombini iimveliso zemali ziyafana kwaye zithwala ukufana okungaqhelekanga.

Ukutshintshela kwezinye iimali

Kodwa ukuba kukho naluphi na uphawu olunokukwenza ukhethe imali yotyalo-mali esekwe kwii-equities, kungenxa yokuba ungazidlulisela ngokukhululekileyo kwaye ngaphandle kwalo naluphi na uhlobo lokusikelwa umda. Naluphi na uhlobo. Kodwa yintoni ebaluleke ngakumbi, olu hlobo lokusebenza alukuhlawuli ngeyuro enye. Ekuphela kwemfuneko abaya kuyifuna kukuba uqhubeke nokuhamba kunye nemali ekuvunyelwene ngayo kwibhanki enye.

Unokudlulisa phakathi kweemali zotyalo-mali nanini na. Ujongene notshintsho kwisicwangciso, xa ujongene nemeko yengxowa-mali okanye ngenxa yokuba le yeyona nto uyithandayo. Ayizukubiza yuro enye kwaye ungenza ugqithiso oluninzi ngendlela ofuna ngayo. Logama nje udibana nale meko ichazwe apha ngasentla. Isicwangciso esiluncedo kakhulu kwimidla yakho, kwaye into enokutyala imali kwintengiso yesitokhwe ayikuniki. Iya kuba ngumbuzo oya kuthi uhlalutye nzulu le minikelo ikunika yona imali yotyalo-mali.

Ukongeza, amaziko amaninzi ezemali anoxanduva lokukuhlawula ikheshi yotshintsho olwenzayo olusuka kwezinye iibhanki. Ngokusebenzisa izibonelelo ezinamandla nezinokhuphiswano onokuzisebenzisa ngoku. Sisicwangciso sebhanki sokutsala imali yabathengi abatsha kwaye inikezelwa phantsi kwezindululo ezinobundlongondlongo onokuthi ufumane ngazo imali ngaphandle komzamo. Awuyi kuba nanto unokuyenza ngaphandle kokujonga kwakhona umnikelo wangoku olungiselelwe ziibhanki ukufezekisa le njongo.

Ngaba le mali inenzuzo ngakumbi?

Umzuzu ophambili uza xa kufuneka ukhethe eyona mveliso inenzuzo. Ewe, iimali zotyalo-mali azilunganga okanye zimbi kunezinye, kuba ziya kuxhomekeka kwifomathi ekuvunyelwene ngayo. Kodwa kwiimeko eziqhelekileyo kunika imbuyekezo esezantsi kunokuba ukhetha ibhegi ngqo. Okanye ezinye iimveliso ezinobulungisa ezinobundlongondlongo. Ayothusi into yokuba umngcipheko onawo nawo usezantsi. Kuba imali yakho iya kukhuselwa ngakumbi ngenxa yeempawu zayo ezizodwa.

Ukusuka kule meko, indlela yakho kufuneka ibe yeyiphi ekufaneleyo ngokuxhomekeke kwiinjongo ozilandelayo kunye nohlobo lomtyali mali ongowakho. Inqanaba lesigxina osinika kutyalo-mali nalo liya kuba nefuthe. Oko kukuthi, ukuba ijolise kwixesha elifutshane, eliphakathi okanye elide. Konke oku kunye kunye kuya kukwenza wenze isigqibo malunga nokuba zeziphi iimveliso zezezimali eziya kufaneleka kakhulu ukuvula izikhundla ngalo naliphi na ixesha.

Mhlawumbi ingxowa mali yotyalo mali ayifikeleli kulindelo lwakho kwaye kuya kufuneka uphendukele kwezinye iindlela zokonga ezahlukileyo. Eso sisigqibo oya kuthi wenze kuwe kuphela. Kwaye ke kufanelekile ukuba icingisiswe nangayiphi na imeko. Ayothusi into yokuba nguwe ngokwakho ongcakaza ngemali kwaye ngubani omele athathe uxanduva. Yinto elula leyo, ngaphaya kwezinye iindlela ezintsonkothileyo. Ungalibali, ukuba awufuni kuba nesothuso esingaphezulu kwesinye ukusukela ngoku. Kungenxa yokuba ziindawo apho ushukuma khona.