Ukuba kwiinzuzo ezinkulu, uthengise okanye ulinde?

thenga ngengxowa

Ngexesha lokufumana kwemali eyinkunzi kutyalo-mali olwenziweyo, kuyinto eqhelekileyo ukuba abo bagcinayo baqwalasele ukuba lixesha elifanelekileyo na lokuthengisa, okanye ngokuchaseneyo nokulinda izibonelelo ukuba zibe nkulu ngakumbi. Ukuchaza le ndlela kuyakufuneka Yila isicwangciso oko kunciphisa iinjongo yomtyali mali. Kuxhomekeke kwiprofayili yakho, ngokwemiqathango ekujoliswe kuyo kunye nenkunzi eyabelweyo Akumangalisi ukuba kwiimeko ezininzi baya kugqiba ngempendulo kule ndlela yotyalo-mali.

Kwiimeko zokunyuka okuphezulu, eyona nto ibubulumko kukuqhubeka notyalo-mali de ufumane amaxabiso angcono kwikoteyishini yayo. Okanye ide ivele imiqondiso ebonisa ukugqitywa kwale nkqubo, nokuba kukho umngcipheko wokuba iinzuzo ozifumeneyo ukuza kuthi ga ngoku zinganyuka.

Ukwenza iimpazamo ezimbalwa kangangoko kunokwenzeka, kuyacetyiswa ukuba ukhethe ifomula ukudibanisa ukhuseleko nomngcipheko Njengesicwangciso sokugcina imali yakho. Ngokukodwa kumaxesha e-bearish apho kulula ngakumbi kwimeko yokuba iphothifoliyo yakho yotyalo-mali ibuyiselwe umva. Ukuya kwinqanaba lokufikelela kwizikhundla ezigwenxa, apho kuya kuba nzima ngakumbi ukubuyisa izikhundla kwiimarike zezabelo.

Inzuzo eyinkunzi: Beka iinjongo

kwimarike yemasheya

Ngaphezulu kwako konke, awuzukukhetha kodwa ukuseta iinjongo onokucinga ngazo kwasekuqaleni. Sukwenza oko phantsi kweenjongo zokuba nethemba, nangemiqondiso yokungaphumeleli. Iya kuba yimpazamo ukubona kwangaphambili iinjongo ezimbalwa ezinokufikelelwa kunye neenzuzo ngaphezulu kwesiqhelo kolu hlobo lomsebenzi. Esinye isikhokelo esiluncedo kakhulu kwezi meko kukuseka imigaqo yotyalo-mali yokusebenza: mfutshane, phakathi okanye ende. Kwaye ngokusekwe kule parameter, sebenzisa isicwangciso esiliqili sotyalo-mali.

Vala izikhundla kwimarike yemasheya

Xa izikhundla zakho kwii-equities zihlala ziphumelela kukho isilingo sokuthengisa izabelo ngokukhawuleza. Kodwa, ngaba ichanekile isenzo sabatyali mali? Kuya kuxhomekeka kwiindlela osikhokela ngazo kulawulo lwakho. Akumangalisi ukuba, kwiimeko zokungazinzi kwezezimali okanye ukungazinzi kwimarike yesitokhwe inokuba sesona sigqibo silungileyo osenzayo, ngaphezulu kwezinye izikhundla ezinobundlongondlongo.

Kodwa le meko ayisoloko isenzeka, kwaye kweyona intle kakhulu kwimidla yakho (phantsi kwendlela ephezulu, okanye ukungathathi cala), uya kuba ungalunganga xa uzivala izithuba ngenkuthalo ethile. Abatyalomali abanamava ngakumbi kwiimarike zezemali bayakuthanda sebenzisa izibonelelo ngaphezulu kwezinye izinto eziqwalaselweyo. Ngethuba nje uzibekela iinjongo ezimbalwa ezincinane kwintengiso yesitokisi.

Icebo elincinci lokwenza ngale ndlela kukujonga kumaxabiso aphezulu veki nganye. Ke ngalo mzuzu ncipha, Yenza isigqibo kwaye ushiye izikhundla ngokukhawuleza kunye nazo zonke izibonelelo ezifumanekileyo kude kube ngulo mzuzu. Esinye sezona zicwangciso zithembekileyo zokwenza isigqibo ngezi mpawu. Ngokusisiseko kubatyali mali abathe ngqo utyalo-mali lwabo kwixesha elifutshane.
Amagama amafutshane anokungahambi nefom yesiqhelo yotyalo-mali. Kodwa ngokuchaseneyo, yenzelwe ukuba iphakathi okanye inde. Kule meko, uya kuba nakho ukuthatha ilahleko kwiinyanga zokuqala, kuba ulindelo lwakho lokukhula koqoqosho luyakubekwa kwiminyaka emi-5, 8, 10 okanye nangaphezulu. Awudingi ukuba wazi iikowuti zemihla ngemihla Ukhuseleko olugcina kwipotfoliyo yakho yotyalo-mali. Ukuba uwenza lo msebenzi rhoqo, uya kuba ngaphezulu.

Kufuneka uzilungise nini izikhundla?

Nokuba luphi na uhlobo lotyalo-mali lwakho, kukho imeko apho ungayi kuba nanyulo ngaphandle kokuvala izikhundla ozivulekileyo kwizabelo. Iya kuba ngumzuzu ngqo apho iikowuti yaphule inkxaso ebalulekileyo. Iya kuba luphawu olucacileyo lokuba ubhidekile kwiindlela zakho. Kwaye akusayi kubakho khetho ngaphandle kokuhlehlisa izikhundla. Ngenjongo ecace gca, ekungekho enye ngaphandle kokuthintela ekulahlekelweni yimali eninzi kwiimarike zezemali.

Enye into enomdla omkhulu kwimisebenzi yakho kwimarike yemasheya ivela ekuqaleni kwentshukumo ezantsi, emva kokufumana inzuzo enkulu kwimisebenzi yesitokhwe. Ngokuqinisekileyo ufuna ukuvala imisebenzi nokuba uneenzuzo ezincinci. Umngcipheko ovela kwesi sicwangciso kukuba inokukuthintela kulayisho olunokwenzeka kwiinyanga ezizayo, ezikhokelela ekunyuseni inzuzo yakho, nangakumbi.

Ewe, le ngxaki ithambile iya kusonjululwa ngokuhlalutya imeko yexabiso lobugcisa. Ngayo yonke ingqiniseko yokuba iyakubonisa ukuba ayikafiki elona xesha lilungileyo lokuthengisa. Ayothusi into yokuba unokuba kwimeko yokufumana izibonelelo ezongezelelweyo kwiiseshoni ezilandelayo. Ngapha koko, sisigqibo esixhomekeke kuphela kuwe, kwaye yeprofayile oyivezayo njengomtyalomali omncinci nophakathi. Ngezicwangciso ezahlukeneyo kwimeko nganye.

Iindleko zomsebenzi

iikhomishini

Ngeli xesha lokulinganisa iingeniso ezinokubakho zorhwebo ngalunye lwesitokhwe, akukho mfuneko yokujonga umahluko phakathi kwexabiso lokuthenga kunye nexabiso lokuthengisa. Kodwa kufuneka yongeza iikhomishini Umsebenzi ngamnye wentengiso yemasheya unawo, kunye nalawo agciniweyo, kwaye ke, nemali emiselwe uNondyebo. Iya kuba yeyona ndlela ijolise ekubaleni eyona ngeniso oyakuyifumana kutyalo-mali.

Ngamanye amaxesha kunokuba kuncinci, kwaye kwezinye awunakho nokuhlawula iindleko zeekhomishini kunye neerhafu. Njengokuba umvuzo wakho ukhula, ifuthe lala malungiselelo liya kungxengeka ngokubonakalayo. Unokwazi nokuhlengahlengisa imisebenzi yokuthengisa ukufezekisa iinjongo zakho ozifunayo.

Kucetyiswa kakhulu ukuba ukhethe esinye sezibonelelo ezininzi ezenzelwe amaziko ezemali ukunciphisa ezi ndleko. Akunanto, ungagcina ukuya kuthi ga kwiipesenti ezingama-20 kwimisebenzi. Ngaphandle kokuncama nantoni na, okanye nayiphi na inkonzo. Kuqhelekile ukuba babonise nokudluliselwa simahla kwiipotfoliyo zotyalo-mali ezivela kwezinye iibhanki. Apho beza kunika imali, enokufikelela kwi-euro eyi-1.000 XNUMX.

Kufuneka usithathe nini isigqibo?

Iya kuba lelinye lawona maxesha anqabileyo kwikamva lakho njengomtyali mali. Nangona kunjalo, kukho ukungalunganga okwaziwayo ukuba kufuneka kuthathwe nini isigqibo. Kukho amathandabuzo amaninzi aya kuthi gqi engqondweni yakho, ngandlela ithile okanye enye. Ukuya kwinqanaba lokuba ungathandabuzi ukuba ziluncedo lweeodolo ozithumele kwiimarike zezemali.

Akufanele uyenze ngenxa yezidingo zemali, kude nayo njengesisombululo sokujongana nezinye iindleko zoqoqosho lwasekhaya: isikolo sabantwana, amatyala angahlawulwanga okanye naliphi na ityala phambi kwabantu besithathu. Ayothusi into yokuba le meko inokwenzakalisa kakhulu umdla wakho, kwaye nangaphezulu kunokuba ubucinga ekuqaleni.

Ukutyala imali ngcono kufuneka ubekwimeko yezoqoqosho engaphezulu okanye encinci. Oku kungqinwa ngabatyali zimali abancinci abenze imisebenzi emibi kakhulu kwizabelo ngenxa yeengxaki zokuhlawula amatyala kwiakhawunti yabo yangoku. Baye baphulukana nemali kwiintshukumo zabo emva kotyalo mali lwabo kwinzuzo.

Kufike ukuba nguwe ekufuneka ucacise ezi ndlela sizityhile kuwe kweli nqaku. Ayizukuba ngumsebenzi olula, ewe, kodwa ngentando encinci kwaye amanye amava uya kuba nakho ukuphumeza iinjongo ngexesha elingagqithanga ixesha elide. Ngethemba, ukusukela ngoku ukuya phambili, uya kuba kwimeko engcono yokwandisa urhwebo ngokulingana kwaye ufumane inzuzo enkulu.

Iingcebiso ezisibhozo zotyalo-mali

Ukusukela ngoku ukuya phambili, ayisoze yenzakalise ukungenisa uthotho lwezikhokelo ezilula zentshukumo eziza kuba njengenjongo ephambili yokucacisa ukuba leliphi elona xesha lililo lokuphuma kwiimarike zezemali ngenzuzo eyinkunzi, nokuba zincinci. Okanye, ngokuchaseneyo, linda iikowuti ukuba ziye kwizikhundla eziphambili zokwenza iintshukumo zakho kwisitokhwe zinenzuzo ngakumbi. Ngokusisiseko baya kuba zezi zilandelayo.

  1. Ungaze uthengise kwiimeko zentengiso eguqukayo, ngaphandle kokuba neenzuzo ezinkulu. Ngokukodwa xa iigrafu kunye namanani afanayo abonisa ukuba uhlaziyo lungaqhubeka kwiiseshoni ezilandelayo.
  2. Hlalutya Ukuphakama kweveki kunye nokuhla kuba baya kukunika umkhombandlela ochanekileyo malunga nokuhamba kwamaxabiso kwezi seshoni zilandelayo zorhwebo. Ngale ndlela, xa ukwehla kweeveki eziphezulu kunokuba ngumqondiso wokuphelisa indawo yokuthenga.
  3. Nyusa ezinye iinjongo ezisengqiqweni kwaye ungaguquguquki ekuthatheni izikhundla, kuxhomekeke kwikota ofuna ukuya kuyo: ipesenti yenzuzo, ilahleko onokuyicinga, njl.
  4. Ir ukuqokelela izikhundla njengoko intshukumo ephezulu idibanisa kwaye, ngokuchaseneyo, yenza izikhundla ngokuxhomekeke kwixabiso elilahlekelwa ngamandla kumaxabiso alo emihla ngemihla.
  5. Xa Uxinzelelo lokuthengisa luphezulu kunomthengi iya kuba lixesha lokusuka kwiimarike ze-equity. Ukushiya ecaleni nasiphi na isicwangciso esiliqili kwaye, ngaphandle kwengeniso eyenziweyo incinci kakhulu.
  6. Decantarte ngu Amaxabiso asezantsi kuba baya kuhlala benika isiqinisekiso esikhulu sokuba inzuzo inokuqhubeka nekhosi yabo. Ngayiphi na imeko, kuya kufuneka ulumkele nayiphi na i-alamu ebonisa ukuba amaxabiso esitokhwe sele enyukile kwaye umkhwa, ke ngoko, unokutshintsha kwiintsuku ezimbalwa.
  7. Nasiphi na isiganeko okanye inyani inokumosha iminqweno yakho kutyalo-mali. Awuzukukhetha ngaphandle kokuba ubambeke kakhulu kwaye ulindele ukuhamba.
  8. Kwaye ekugqibeleni awungekhe uyilibale loo nto kukhethwa ukuba ufumane imali encinci kunokuba uxakeke ngekamva. Ezi meko ziye zachaphazeleka kuninzi lwabatyali mali, nkqu eyona ingcali kwezentengiso.

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