Iindlela zotyalo-mali: ugqithiselo phakathi kwengxowa-mali

Zininzi izibonelelo eziziswa kukuqeshelwa kwengxowa mali. Kodwa ke enye yezona zinto zibalulekileyo kukuba kubonelelwa ngokudluliselwa phakathi kwezi mveliso zezezimali. Kuba, ungazuza le ntshukumo kwimisebenzi yakho kwingxowa mali. Ukuya kuthi ga kwimeko yokuba ungazi wena ngokwakho. Ukuze ufezekise ubuchule bokusebenza obungcono, uya kuba ukusukela ngoku ukuya phambili kufuneka wenze ukonyusa ugqithiselo.

Iimali zotyalo-mali ziye zaba ziimveliso ezithandwayo zabasebenzisi ukwenza ulondolozo lwabo lube nenzuzo. Nje ukuba ezona mveliso zokonga ziphambili (iidipozithi zexesha, amanqaku ebhanki, iiakhawunti ezinengeniso ephezulu, njl. Emva kwesigqibo sabaphathi bemali baseYurophu sokunciphisa ixabiso lemali kwaye bazise kuyo ezantsi zembali kwi-0%. Le meko kule minyaka idlulileyo ikhokelele kwezi modeli zebhanki kunqabile ukuba zivuze abathengi ngamanqanaba enzuzo angadluli kwi-1%.

Le nto ikhokelele kwinxalenye elungileyo yabasindisi baseSpain ukuba bajolise kwingxowa mali. Kwiindlela zayo ezahlukeneyo, kwezo zisekwe ngeniso ekhoyo, esisigxina, esixutyiweyo okanye nokuba yimali okanye enye imali. Ayothusi into yokuba sesinye sezicwangciso ezimbalwa onazo zokuphucula umda wenzala enokuthi ibhegi yakho yokonga irente. Ngaphandle kokuthatha umngcipheko othile, kuba ukwenza ikhontrakthi kwezi mveliso zezezimali akuxolelwanga nakwezinye izinto eziphazamisayo.

Ukudluliselwa kwenziwa njani ngokusesikweni?

Ewe, ukuba unomdla ekubhaliseni imali yotyalo-mali, kuya kufuneka uyazi ukuba ungalwenza ntoni ugqithiso phakathi kwengxowa mali. Ngokukodwa, ngaphambi kwe- Inqanaba lerhafu ezifuna olu hlobo lotyalo-mali. Kuba, enyanisweni, ungadlulisela ukutshintsha ipotifoliyo otyale kuyo imali yakho. Ungayenza kuye nabani na ongomnye, ngaphandle kwalo naluphi na uhlobo lokusikelwa umda. Nokuba uvela kwezinye iinkampani zolawulo, nokuba kungohluka okanye umvuzo ohleliyo okanye nayiphi na enye into ekubonelelwa ngayo ngumlamli wakho wezezimali.

Unokwenza amaxesha amaninzi njengoko ufuna kwaye simahla ngaphandle kwentlawulo kwaye simahla kulo naluphi na uhlobo lweekhomishini, njengoko unokucinga ekuqaleni. Ukusuka kule ngqondo, imalunga Umsebenzi oluncedo kakhulu kwimidla yakho okanye njengomtyali mali ophakathi nophakathi. Kungenxa yokuba abanye banokwenza ngokusesikweni ngexesha elibonakala lifanelekile. Kuba ngokuqinisekileyo kuya kuba kufanelekile ngakumbi ukwenza ugqithiselo phakathi kwengxowa-mali yotyalo mali kunokugqibezela umsebenzi. Inkuthazo yezemali.

Ngenxa yenqanaba eliphezulu lerhafu yenkqubo yethu yerhafu, kuya kufuneka ujongane nepesenti ebalulekileyo ngenzuzo yotyalo mali lwakho. Kodwa ngogqithiso ungabathintela ekubeni basetyenziswe ngokukhawuleza. Ukuza kuthi ga kwinqanaba lokuba ungalindela irhafu ukuba yehle kwaye ngale ndlela uthengise izikhundla zakho kwezi mveliso zezezimali. Esi sisicwangciso esisebenzayo hlawula imali encinci. Ubuncinci kwixesha elifutshane kwaye oko kukuvumela ukuba uqhubeke nemisebenzi yakho yesiqhelo kule modeli yolawulo.

Kufuneka zenziwe nini?

Ewe kunjalo, kukho iimeko ezintle ngakumbi kunabanye zokwenza ngokusesikweni ukuhanjiswa kwemali yotyalo-mali. Okokuqala, xa kukho imeko ngokubanzi irhafu ebanzi kakhulu. Ukongeza, ngumsebenzi osebenzayo kwimeko apho ulahlekelwe zizikhundla zakho kule klasi yeemveliso zezemali. Kungenxa yokuba unokuhambisa indawo yakho kwezinye iimodeli zotyalo-mali kwezi mpawu. Kwaye ungawabhatala amatyala ngobhejo olutsha lotyalo-mali. Esinye sezibonelelo ezibaluleke kakhulu kukudlulisela. Kodwa ayisiyiyo kuphela, njengoko uza kuba nakho ukubona ukusukela ngoku.

Le ntshukumo ikwacetyiswa kakhulu xa kuvela amashishini amatsha ngaphakathi kwezi mveliso zotyalo-mali. Kuba awuzukuzibophelela thengisa izikhundla zakho, kodwa kuyakwanela ukuyisa kwingxowa eyahlukileyo. Lo msebenzi unokwenziwa amaxesha ngamaxesha njengoko ufuna, ngaphandle kwalo naluphi na uhlobo lweemfuno okanye umda. Ngayiphi na imeko, ngumsebenzi onokuqhubekeka kuphela kwezi mveliso. Hayi kwezinye kwaye zenza utyalomali kunye nolondolozo olunikezelwa ngamashishini emali.

Amanyathelo ekufuneka uwalandele

Ukwenza ugqithiselo phakathi kwengxowa-mali yotyalo-mali, into yokuqala ekufuneka uyenzile kukukhetha indawo elandelayo oyigcinileyo. Nje ukuba isicelo esitsha semali sifunyenwe, kuya kufuneka wenze olo tshintshelo. Lo msebenzi unokuqhutywa kwibhanki yakho yesiqhelo okanye kwikhompyuter yakho kamnandi ekhaya okanye naphi na apho ukhoyo ngelo xesha. Ukusuka kulo mzuzu, Imali yakho iya kuba sele ithengisa kwingxowa-mali entsha ekhethiweyo. Kwaye isixa esilinganayo nesangaphambili, kuba abayi kuyiphungula irhafu ebandakanya ezi mveliso zemali.

Inyathelo elilandelayo ekufuneka ulithathile ukusuka kulo mzuzu kukulinda iintsuku ezimbalwa de intshukumo yenziwe ngokusemthethweni. Inokuhlala phakathi kwentsuku enye okanye iintsuku, kodwa hayi ixesha elide. Ngenxa yokuba sele uza kuba kwimeko epheleleyo yokuba ukhuseleko lwakho ludweliswe kwiimarike zemali. Uya kuba nakho ukubalandela kwizikwere apho iiasethi ezintsha zemali zihamba khona. Kungumsebenzi olula ukwenza ukuba uya kuba nakho ukuwaphindaphinda emva kweentsuku ezimbalwa kwaye uyitshintshele imali kwenye ingxowa-mali yotyalo-mali. Yinto elula kangako, kuba akukho nto kwaye akukho mntu uya kuba nakho ukukuxelela into ngezi zigqibo. Yinto yobuqu kunye nelungelo elingenakuthethathethwano onalo.

Iimfuno zokwenza ugqithiselo

Ekuphela kwemfuno abaya kukubuza yona kukuba imali ibekwe kwibhanki enye okanye kumlamli wezezimali. Ayikho enye into enokukuqhubela ekubeni uthintele le misebenzi. Kuba ngokwenyani, unokuyitshintsha ufake enye imali yotyalo-mali ekhoyo kwiziko lezemali osebenza nalo. Esi sesinye sezizathu zokuba kutheni uvulekile ekuphuhliseni ezi ndlela kubudlelwane bakho nehlabathi lemali. Kukulungele ukuba uyithathele ingqalelo kwimeko yokuba uza kukhuthaza le misebenzi ukusukela ngoku.

Enye into ekufuneka uyazi kukuba ungalwenza olu hlobo lotshintsho, inxenye okanye ngokupheleleyo. Ungayigcina inxenye yotyalo-mali lwakho kwaye udlulisele enye kwingxowa-mali oyikhethileyo. Ngonaphakade phantsi kweemeko ezifanayo kwaye akukho mahluko ngokubhekisele ekusebenzeni ekufuneka ukwenzile. Eli nyathelo liya kuxhomekeka kwisicwangciso osiphuhlisayo ukukhusela ulondolozo lwakho. Akusoloko kufuneka ibe yinjongo efanayo.

Kwelinye icala, ugqithiselo phakathi kwemali yindlela eya phucula izikhundla zakho. Kuba ngoku, bayakuvumela ukuba uhlaziye iphothifoliyo yotyalo-mali amaxesha ngamaxesha. Ukuze ube kwezona meko zintle ukuze iinzuzo ezinkulu zifakwe kwingxelo yakho yengeniso. Ngenxa yoku kuyakufuneka uqaphele kakhulu ukuvela kwezihloko zezi mveliso zezezimali. Ukusuka kule meko, kunokuthetha ukwanda kwinzuzo evela kwiimeko ezintsha.

Iingcebiso ngokutshintsha imali

Kuhlala kukho ezinye iimeko kunabanye apho kunenzuzo ngakumbi ukwenza lo msebenzi. Awuyi kuba nanto unokuyenza ngaphandle kokuba ubathathele ingqalelo ukwenza olu tshintsho kwisicwangciso sakho. Ezi zezinye zezitshixo apho kuya kulunge ngakumbi ukukhuthaza le ntshukumo.

• Ukuba ubona ukuba ingxowa-mali yakho ayifikeleli kulindelo lwakho, esona sigqibo ungasithatha kukuba iqondise kwezinye iimali zotyalo-mali ezinamathuba angcono okuxabisa. Ingxaki kuphela oya kuba nayo kukukhetha imodeli entsha yokonga.
• Ngaphambi kwayo nayiphi na utshintsho kwimijikelezo yeshishini ezinokuphuhliswa. Iya kuba lelona xesha lifanelekileyo lokwenza uphononongo olunzulu kwipotfoliyo yakho yotyalo-mali ukuyiphucula kakhulu.
• Inokuba kukutshintsha imodeli yotyalo-mali isiya kwii-equity okanye kwingeniso esisigxina kwaye ke oko kuya kufuna ukujika kwevili lokuqhuba Yolula ipotifoliyo. Ayiloqhinga elifanelekileyo lokuba uyenze ngokufutshane. Kodwa kwelinye icala kuyasebenza kakhulu kumaxesha okuhlala kunye nokuhlala ixesha elide.
• Akunyanzelekanga ukuba udlulise imali yotyalo-mali ngobubhanxa obuthile. Ewe akunjalo, kodwa kuphela xa kuvela iimeko eziyimfuneko ukwandisa ukusebenza. Kuba kuya kubakho amaxesha athile xa bebophelelekile ngokupheleleyo.
• Ukutshintshwa akufuneki kube kukuhamba phakathi kweeasethi ezifanayo zemali. Utshintsho kwipotifoliyo lunokuba lukhulu ngakumbi okanye luze utshintsho kwisicwangciso utyalo-mali. Yinto eqhelekileyo enokuveliswa kwinxalenye elungileyo yabasekeli.
• Ukuze yonke into ihanjiswe ngendlela eyiyo, kuya kuba yimfuneko ukwenza uhlalutyo lotyalo-mali lwakho ngesiqhelo. Ukongeza, iya kuba sisenzo esiluncedo kakhulu ukukhusela umdla wakho kubudlelwane bakho nehlabathi lemali.
• Iimali zotyalo-mali azinakuba nazo ebomini bakho bonke. Kwaye oku kuyenzeka ngokujonga kwakhona. Kuxhomekeka kwiimpawu ozibonisayo njengomtyali mali omncinci nophakathi.