Enye yeengxaki ezingunaphakade zabatyali mali abancinci nabaphakathi xa bejonga utyalomali lwabo kukuba kungcono na ukukhetha izabelo okanye, ngokuchaseneyo, ukukhetha ezo nkampani ukuvelisa ixabiso. Iya kuba sisigqibo esintsonkothileyo esiya kuxhomekeka ikakhulu kwiprofayile oyivezayo njengomsebenzisi wesitokhwe. Kungenxa yokuba, ayisosicwangciso-qhinga esinye ukuba ungumtyali mali onobukrwada kunokuba ukhetha ezinye iindlela zokonga. Ukongeza, kuxhomekeke kukhetho, kuya kufuneka uhambise intshukumo kwizabelo ngokweendlela ezahlukeneyo oza kuthi uzenze kwiimarike zezemali.
Enye yeengxaki ezinkulu ngokuhamba kwindlela yokwahlulahlula kukuba banokukubambisa kwiinkampani ezingenakho ukuthethelela isabelo esikhulu kangaka. Oko kukuthi, iinkampani ezingakhuliyo, ezinamatyala amakhulu okanye nkqu ngembuyiselo encinci. Ukuza kuthi ga kwinqanaba lokuba ungazisola ngesi sigqibo iminyaka emininzi. Ngale ndlela, ukuba uza kukhetha enye indlela yokwahlulahlulahlula, awuzukukhetha ngaphandle kokukhetha iinkampani ezizinzileyo kwiiakhawunti zazo zeshishini.
Ukongeza, enye into engeyiyo kwesi sicwangciso sotyalo-mali kukuba ayizukuvumela ukuba ufune amathuba amatsha eshishini kwiimarike zemali. Kungenxa yokuba uyakujonga kuphela inzala eya kuthi inikwe le ntlawulo kumnini zabelo. Le ngeniso ihamba phakathi kwemida ehamba ukusuka kwi-3% ukuya phantse kwi-8%. Kodwa uthathela ingqalelo ukuba ukusebenza kwiimarike ze-equity kuya kukukhawulela ukusukela ngoko. Kufuneka ke, ke, ibe sisigqibo esicingisisayo kwicala lakho. Kuba ungaphulukana nokuninzi kwesi sicwangciso sotyalo-mali.
Ingozi ephambili yezahlulelo
Yintoni ingxaki ngokukhetha utyalomali ngokusekwe kule ntlawulo yabanini zabelo? Ewe, ikakhulu ngoba inzuzo yakho inokuhlanjululwa emveni kweminyaka. Ngomngcipheko omkhulu wokuba imida yakho inokuncitshiswa kakhulu okanye, yintoni embi, ukuba iphele inyamalala. Ukusuka kule meko, kuqhelekile ukuba kwenziwe inqwelomoya yenqwelomoya kwaye ke isitokhwe siya kuhla. Ngenxa yeli nyathelo kwiimarike zezemali, ubeka umngcipheko wokuba ulondolozo lwakho luzakuphulukana nexabiso kule minyaka izayo. Nokuba ufikelele kumanqanaba ayingozi kakhulu kwimidla yakho yobuqu.
Imeko onokufikelela kuyo ngamanye amaxesha kukuba ngesi sicwangciso sotyalo-mali ufumana isivuno sesahlulo. kufutshane ne-5%. Kodwa ngokuchaseneyo, uyabambeka kwizikhundla ezivulekileyo kwii-equities. Ukuya kwinqanaba lokuba ulahlekelwe lithuba lokuba uphambi kolunye ukhuseleko olunembuyekezo ephezulu. Iziphumo eziphambili zeli nyathelo lakho kukuba uya kuba ulahlekelwa yimali kwimisebenzi yakho kwimarike yemasheya.
Izibonelelo zokuveliswa kwexabiso
Elinye icebo onalo ngalo mzuzu kwicandelo lotyalo-mali kukujonga amaxabiso anegalelo okanye avelisa ixabiso ngakumbi. Oko kukuthi, apho unokuphucula khona inzala yenkunzi yotyalomali. Kwaye oko kwi iimodeli ezinobundlongondlongo ngakumbi banokufikelela kumanqanaba ukuya kuthi ga kumanani aphindwe kabini. Luzisa ntoni olo hlobo lotyalo-mali? Ewe, ngaphezulu kwako konke onomdla ngakumbi ngokwesiphumo sokusebenza kwimarike yemasheya. Akumangalisi ukuba uthathe umngcipheko ngakumbi, nangona utshintshisa ngembuyekezo eyonelisayo ngakumbi ukusukela ngoku.
Awungekhe ulibale ukuba kukho uthotho lokhuseleko olunokuphinda lube nakho ukhuphiswano olunokubakho kwaye olunako phucula ibhalansi yeakhawunti yakho yangoku ngokulula. Oku kufanele ukuba kube yenye yeenjongo ekufuneka uzilandele kwicandelo elihlala linzima lezabelo. Ngaphezulu kokuthathelwa ingqalelo kobuchwephesha kunye neembono kwimbono yohlalutyo olusisiseko. Kwelinye icala, awungekhe ulibale ukuba unokukhetha ubude bayo yonke imisebenzi yakho.
Amathuba ngo-2018
Ukuba ugqiba kwelokuba wenze ixabiso nge-Spanish equities, ewe, awuyi kufutshane namathuba okwenza ulondolozo lube nenzuzo kula maxesha achanekileyo. Nokuba ungalindelanga phi. Njengeenkampani ezidityanisiweyo phakathi kunye nokhuseleko oluncinci lweemali ezinkulu, zichazwe njenge iikomityi ezincinci, ezinokuthi ziphuhlise indaleko elungileyo kwiimarike ze-equity ukusukela ngoku. Ngeenkampani ezinje ngePharmaMar okanye iDuro Felguera ezinokuba ngaphezulu kovavanyo kulo nyaka.
Le yenye yeendlela zokujongana nesicwangciso sesahlulo kwimarike yemasheya. Kuba xa kuphela unyaka ukusebenza kunokuba phezulu. Ngaphandle kwesidingo sokuba wazi nawuphi na umvuzo oqinisekileyo kunye noqinisekileyo minyaka le. Nokuba uphakame kangakanani. Akumangalisi ukuba yinto enokukulahlekisa ukufezekisa iinjongo kutyalo-mali lwakho ukusukela ngoku. Kuya kufuneka ukhethe phakathi kweendlela ezimbini ezichaseneyo ngokuchasene nokuqonda ukuba luyintoni na utyalomali. Nangona inguwe oya kuba nelizwi lokugqibela kwinto ekufuneka uyenzile kule mizuzu ikhethekileyo.
Inzuzo engaphezulu kunezahlulo
Kwanele ukunika umzekelo malunga nezibonelelo zokubhenela kumaxabiso avelisa ixabiso ngaphezulu kwe Intlawulo yesahlulo. Ukuba amaxabiso emgqomo ayenyuka, ukuba lixesha elifanelekileyo lokungena kwiinkampani zamandla kuba inzuzo iya kuba phezulu kakhulu kunezinye iindlela zotyalo-mali. Akumangalisi ukuba ngentlawulo yezahlulo, amanqanaba wenzala awusoze ufikelelwe oya kufunyanwa ngokufuna inzuzo yezokhuseleko ezibhalwe kwiimarike zezabelo. Yinkqubo onokuyisebenzisa ukuphucula imeko yokwenyani yeakhawunti yakho yokujonga okanye yokonga.
Kwelinye icala, izabelo zinomda wokulinganisela wenzuzo kuba azange uya kufumana ngaphaya kwe-8% okanye i-9%. Into ukuba bakunika amaxabiso avelisa ixabiso kwimarike yemasheya. Apho kunokwenzeka ukuba banokudlula ngokulula kwinqanaba elibalulekileyo le-10%. Nokuba ungaphantsi kweepesenti wanelise ngakumbi kwimidla yakho. Umahluko ocashileyo ekufuneka uwuhlalutye ukusukela ngoku ukuya phambili. Nangona kuyinyani ukuba yonke into iya kuxhomekeka kwiprofayili oyivezayo njengotyalomali oluncinci noluphakathi kuba iya kukuthambekisela kwisicwangciso esinye okanye esinye kulawulo lobutyebi bakho.
Izinto eziluncedo ekudalweni kwexabiso
Ukukhangelwa kwesi sicwangciso ngokungathandabuzekiyo kuya kuzisa uthotho lwezibonelelo ukusuka ekuqaleni kotyalo mali. Ngaba uyafuna ukwazi ezinye zezona zibalulekileyo? Ewe, zibhale phantsi kuba zinokuba luncedo kuwe ngaxa lithile ebomini bakho. Ukuza kuthi ga kwinqanaba lokuba banokwenza icandelo elibaluleke kakhulu kwipotfoliyo yakho yotyalo-mali kulo nyaka. Le yeminye yemirhumo yakhe echaphazelekayo.
- Yeyona ndlela ilungileyo yokwenza oko yongeza umvuzo wakho kwiimarike zezabelo. Ngaphantsi kweepesenti ezinamandla ngakumbi kwaye oko kunokunceda ekuphuculeni imali ekupheleni konyaka.
- Nguwe oya kuthatha isigqibo sokuba ufuna ukuqhubeka kangakanani notyalo-mali. Uya kudinga ukuzibuza kuphela ezinye ezona njongo zisezantsi Ngokubhekisele kwinzuzo oyilandelayo kuyo yonke imisebenzi eyenziweyo.
- Uya kuxhomekeka kwi- iimeko ezichazwe ziimarike zezemali kwaye hayi ngesigqibo seenkampani ukuphawula umvuzo kumnini zabelo. Yinto eya kuthi inike ubhetyebhetye obukhulu bokuvelisa inzuzo enkulu kuyo nayiphi na indlela yendlela yotyalo-mali.
- Ungathatha ithuba le nditsho Iimarike zezabelo. Apho amaxabiso ezabelo aya kuba nakho ukuphinda ahlaziye ngokukhawuleza, ngaphandle kokuphelelwa yimisebenzi eyenziweyo.
- Kuyinyani ukuba ingozi ocinga ukuba ziphezulu. Kodwa endaweni yokufumana umvuzo ophezulu kunezinye iindlela zotyalo-mali. Ungawusika umsebenzi ukuba awuphuhlisi njengoko ubulindele kwasekuqaleni.
Izibonelelo zokuya kwisahlulelo
Le ntsebenzo, ngokuchaseneyo, ikunika olunye uthotho lwezibonelelo ongenakuba nokungakhathali ngazo. Enye yezona zomeleleyo kukuba uya kuqinisekiswa a inzala eqingqiweyo inyanga nenyanga. Enye kukuba iya kukunceda wenze ibhegi yokonga ezinzileyo. Njengokuba iya kuba nguwe othatha isigqibo malunga nenkampani eya kuthi ihlawule loo ntlawulo nge-akhawunti. Kuluhlu olubanzi lokhuselo olubonisa olu phawu kunye neepesenti ezahlukeneyo kumvuzo wabo.
Kwelinye icala, awungekhe uyilibale loo nto imali kunokuba ngumsebenzi olunge ngakumbi ukukhusela umdla wakho. Kananjalo iya kuba sisixhobo esifanelekileyo ukuze ukuhlawula kwiakhawunti yakho yokutshekisha kuhlala kukhuselekile. Apho unokujongana nezona ntlawulo zingxamisekileyo kuqoqosho lwasekhaya. Okokugqibela, iya kuba sisixhobo seemeko ezingathandekiyo kwiimarike zemali. Ukuya kwinqanaba lokuba unokwenza nokonga kube nenzuzo ngomngcipheko omncinci. Ngaphandle kokuvela kwamaxabiso ezabelo.