Enye yeendlela zokupheka ezilungileyo ukujongana notyalo mali kule minyaka izayo iya kuba kukubonelela ngokuguquguquka okukhulu kutyalo-mali lwakho ngamanye amaqhosha ekusebenzeni. Ayisiyiyo kuphela kwimarike yokulingana, kodwa nakwiimarike zengeniso esisigxina Kungenxa yokuba iimarike zezemali zinokungena kwinkqubo ye ukwanda kokungazinzi. Kuya kusiba nzima ngakumbi ukufumana imbuyekezo enomtsalane kwimisebenzi oyenzayo ukusukela ngoku.
Inani labahlalutyi bezemali ababhekisa kwinzuzo eyenziweyo kwimarike yemasheya kwiminyaka edlulileyo iyanda. ayenzeki kwakhona. Ukubuyiswa kwamanani aphindwe kabini kuya kuba nzima ukusukela ngoku. Elinye lamaqhinga ekufuneka uwasebenzisile ukukhusela izikhundla zakho iya kuba kukwenza imisebenzi ojamelana nayo kwiimarike zibe bhetyebhetye.
Kodwa ngenxa yeemveliso ezi-agile ngakumbi ezinokuthi zithande umdla wakho. Unamanyathelo aliqela okuphumeza ezi njongo zichanekileyo. Ngeenjongo eziphindwe kabini kwezi ndlela. Kwelinye icala, isivuno senceba onokuyifumana. Kwaye kwelinye, bonelela ngokhuseleko olukhulu kuyo yonke imisebenzi. Unomda owaneleyo wokuphuhlisa esi sicwangciso sotyalo-mali.
Iimveliso zokwenza imisebenzi ibe bhetyebhetye
Kwindawo yokuqala, siya kukubhenca iimveliso eziza kukunika imida yokusebenza enkulu kutyalo-mali. Ngokuchanekileyo enye yeemveliso ezichaza kakuhle olu phawu ziimali zotyalo mali. Ayisiyiyo yonke, kodwa yintoni ephuhliswayo phantsi kwe- ulawulo oluguquguqukayo. Okwangoku, ukunikezelwa kwezi modeli zotyalo-mali kubanzi kakhulu kwaye umphathi ngamnye unemodeli ebonisa oku kubaluleka.
Zikuzisa ntoni iimali zotyalo-mali eziguquguqukayo? Ewe, ekuqaleni ulawulo olunamandla ngakumbi, apho utyalomali lunakho ukuziqhelanisa nazo zonke iintlobo zemo. Zombini zezona zintle kakhulu nakwezona zinzima kakhulu kwimeko yezoqoqosho. Ngaphandle kokubandakanya nayiphi na inkcitho eyongezelelweyo okanye olunye uhlobo lweekhomishini. Zilawulwa ziiparameter ezifanayo neengxowa-mali zemveli zotyalo-mali.
Ngale ndlela, inokuziqhelanisa nemeko apho iimarike zentengiso zingena ngokuchaseneyo. Apho ukuxabiseka kwezabelo kuyinyani kwezona ndawo zinoburharha. Ukuze wenze njalo, kuya kufuneka ubhaqe imvelaphi ethatha ezi mpawu. Kuya kufuneka uyibonise kulwazi lwakho, kwaye usilele oko unokuyijonga kwibhanki yakho yesiqhelo.
Indlela yokwenza utyalo-mali lubhetyebhetye?
Kwimarike yemasheya ungasiphuhlisa esi sicwangciso, nangona kungangqalanga. Ngokuthengwa kwezabelo ezivela amaxabiso alulwelo kakhulu. Ukuze ngale ndlela, ungangena kwaye ubashiye ngawona mzuzu ufuna, hayi xa bekushiya. Njengakwelinye icala, bekusenzeka ngokulula ngolunye uhlobo lwamaxabiso. Olunye uncedo oluza kukuzisela ezi ziqinisekiso kukuba ungazithenga uzithengise ngexabiso olibona lifanelekile, hayi eli libekwe ziimarike zezabelo.
Esi sihluzo sibalulekileyo siya kukuvumela ukuba wenze ukhetho olubaluleke ngokwenene lwabagqatswa ukwenza iphothifoliyo yakho ukusukela ngoku. Ngayiphi na imeko, ziya kungqinelana nezo zihambisa ezona zihloko zininzi kwimigangatho yorhwebo kwimarike yemasheya. Ngevolumu yokuqesha ephawuleka kakhulu oko kuya kukunceda ukuba utyalomali lwakho lube bhetyebhetye ngakumbi. Ukongeza, iya kuba sisicwangciso esongezelelekileyo ukukhusela ulondolozo lwakho ngokukhetha kunye nokuthengisa okukhawulezayo kuzo zonke iimeko.
Omnye umzekelo wokuba bhetyebhetye unokubonelelwa nguwe ngokusebenza okungekho phezulu kakhulu. Azinzima kangako ukuzisingatha kwiimeko ezingathandekiyo kangako kwii-equities. Ukusebenza kwinxalenye yakho kunokusekwa Thenga izinto ezininzi endaweni yokuzibeka kukhuseleko olunye kuphela. Ngaphandle kokwenza ubhetyebhetye obukhulu, kuyonyusa amanqanaba akho okwahlukahlukana. Uya kuthi ukhuseleke ngakumbi kwiintshukumo ozimiselayo phantsi kwezi nqobo ziluncedo kakhulu kwimidla yakho njengomtyali mali wevenkile.
Iimveliso zekhontrakthi ngaphandle kwemihla yokuphelelwa
Enye yeefomula ezisebenzayo zokwenza ukuba utyalomali lube bhetyebhetye ziya kusekelwa ekungangeni kwimvumelwano kwiimveliso ezinokuphelelwa lixesha. Kwaye kuncinci ukuba ezi zihlala ixesha elide. Ichaphazela zonke iimveliso zengeniso esisigxina (Iidipozithi zexesha, amanqaku ezithembiso zebhanki, amatyala oluntu, njl. Kodwa ke lumka kakhulu kuba ezinye izinto eziguquguqukayo ziyabanyanzela. Injalo imeko, umzekelo, yeziqinisekiso okanye ukuthengiswa ngetyala, ezifuna imihla emiselweyo yokuvala ukusebenza.
Ziza kubeka umngcipheko omkhulu, ekufuneka uthintelwe kulo nyaka. Ayothusi into yokuba ingozi xa kuvulwa izikhundla iya kuba mva kakhulu kunakwenye imithambo. Ukuthintela le meko iyingozi, kuya kuba lula ngakumbi kunangaphambili ukuba ungabhalisi kule klasi yeemveliso. Ngenjongo echazwe kakuhle kwaye oko kuya kuba nayo inkululeko enkulu yokuhambisa imali iyafumaneka kutyalo mali. Phambi kwaso nasiphi na isiganeko esinokuvela kwezi nyanga.
Iimveliso ekuvunyelwene ngazo akufuneki zibenamaqhina. Ukuze ngale ndlela ndinako Ukutenxa nangaliphi na ixesha kwezinye iiasethi zemali. Kule meko, eyona intle ngalo lonke ixesha. Ingakumbi lonke utyalo-mali olunxibelelene ngokuthe ngqo kwii-equity kunye neemarike zabo zemali. Kungale ndlela kuphela apho amagalelo emali anokukhuselwa ngamaxesha okuthandabuza okukhulu.
Izitshixo: phantsi kolawulo oluvulekileyo
Kudlule amaxesha apho uyilo lwemveliso yezemali lwenziwa phantsi kweeparameter ezivaliweyo. Ukusuka nakweyiphi na imeko yezoqoqosho, iipotifoliyo zotyalo-mali akufuneki zisekwe kwiimodeli ezingaguqukiyo. Abaphathi bengxowa mali yotyalo mali kufuneka bathathe inxaxheba kwi ulawulo olusebenzayo lweemali. Ukuhlaziya iiasethi zayo zemali ngokusekwe kwiimalike zezemali.
Yimodeli yotyalo-mali eya isamkelwa ngokunyanisekileyo ngabatyali zimali abancinci nabaphakathi, njengoko kunokuba njalo kwimeko yakho. Ukuze oku kube njalo, awunakukhetha kodwa ukwamkela ezi zindululo kunyaka ka-2017. Ayizukubandakanya nayiphi na inkcitho eyongezelelweyo kwaye iyakukunceda ukuba uzole ngaphambili ukulingana kujika. Kwaye kutheni kungenjalo, nayo ingeniso esisigxina. Unezindululo ezininzi apho unokukhetha kwaye uhlengahlengise ezi mveliso kwiprofayili oyivezayo njengomtyali mali wevenkile.
Esi sicwangciso, kwelinye icala, asinakusetyenziswa ekuthengweni nasekuthengisweni kwezabelo. Kwiimarike zakhe awuyi kukhuseleka ngakumbi kwimidlalo yakho. Kufanele ukuba kube yinto yohlalutyo ngalo lonke ixesha usiya kutyala imali oyigcinileyo. Thatha le nto uyithathele ingqalelo ngalo lonke ixesha usiya kuphucula izindululo zakho zotyalo-mali. Ngale ndlela, uya kuthintela ukuba nengxaki engaphezulu kwesinye kwiinyanga ezilishumi elinambini ezizayo.
Gcina iakhawunti yakho ingamanzi
Iya kuba lelinye lamaqhinga onawo ngaphambili. Kancinci, kodwa oko kunokuba luncedo kakhulu ekukhuseleni umdla wakho. Ingakumbi ukuba nezixhobo ezaneleyo zokujongana ne amathuba amatsha eshishini ezivela kula maxesha. Ngokuqinisekileyo uya kuba nethuba lokukhumbula le ngcebiso kwinqanaba elithile lomsebenzi olandelayo. Ungcono kakhulu kunokuba uvula izikhundla ngokungalunganga ukuze ufezekise iinjongo zakho.
Ngalo naliphi na ixesha, ukuthengiswa kwemali kunokufana nethuba leshishini. Ngale nto, kuyakufuneka ngokupheleleyo ukuba ube nemali yokuvula imisebenzi. Inxalenye elungileyo yale meko iya kwenzeka kuba awutyali mali kuzo zonke iinyanga zonyaka. Enye yeendlela zokusebenzisa esi sicwangciso sikhethekileyo iya kuba nguwe khetha kakhulu Kumsebenzi wokukhetha amaxabiso ezabelo. Ukulungiselela ukunyakaza kwakho kwiimarike zesitokhwe.
Ukongeza, enye into enokubangela ukuba ube nokuhlawula amatyala uya kukuzisela kukuba unako bajongane nothotho lweendleko ezingalindelwanga Ezithiwe thaca rhoqo ngonyaka: umthetho oyilwayo wamazinyo, ukutshintshwa kukamabonakude okanye olo hambo lungalindelekanga luvela nanini na. Ngale ndlela, awuyi kuba nesidingo esingxamisekileyo sokuthengisa izabelo ukuba ufumana imeko engathandekiyo kwizabelo.
Utyalomali olufutshane luhamba
Enye indlela yokunyusa ubhetyebhetye ekusebenzeni kwakho rhoqo kwimarike yemasheya kukwazisa ngokusesikweni ukusebenza kwexesha elifutshane. Hayi ngaphezulu kweenyanga ezi-3 okanye ezi-4, ezinokuqokelela ezona meko zintle zeemarike zezemali. Ngenxa yeempawu ezikhoyo zamashishini, akucebisi ukuba ulibazise urhwebo. Kodwa kunokuba usebenze kuzo kwaye uzame ukwenza ukonga kunenzuzo kwelona xesha lifutshane. Ngaphandle kokulibaziseka okukhulu.
Ngoku akufuneki ucinge ngokusebenza kwexesha elide okwexesha elidlulileyo, okanye ubuncinci njengoko wenza kwiminyaka embalwa edlulileyo. Kuya kufuneka ubhetyebhetye ngakumbi ukusukela ngoku ukuya phambili. Njengenkqubo ye Ukuthintela umngcipheko obangelwa ziimarike zemali ngoku. Ngokufutshane zifutshane, kokukhona kulunge ngakumbi kwimidla yakho. Nangona ukwenziwa kwemisebenzi kungalindelwanga. Okubi ngakumbi kuya kuba kukuzuza kwemali emva kwayo yonke loo nto.
Kuya kufuneka zibekele usukelo oluthile. Nje ukuba zifezekiswe, uyavala izikhundla ukuya kwezinye izindululo ezinokuqinisekiswa okufanelekileyo okuqinisekileyo. Iya kuba sesinye sezitshixo sempumelelo sokuza kwangoko kwikhondo lakho lotyalo-mali. Ngeendlela ezingekho ndlongondlongo kakhulu, kuncinci ukungafikeleleki.
Ngayiphi na imeko, uya kuzifumana unobunzima obukhulu kunakwimithambo yangaphambili. Konke oku kungenxa yeempawu ezizodwa zeemarike ze-equity ngeli xesha. Khumbula ukuba ukufikelela kwimbuyekezo yamanani aphindwe kabini ngoku kunzima kakhulu kwaye kufuna umngcipheko omkhulu wotyalo-mali. Kuya kufuneka uzibuze ukuba ungathatha nyhani na