Kukuthini ukwanda kwemali enkulu?

Ukuba ufuna ukugcina ubudlelwane obulunge ngokwenyani kunye neemarike ze-equity, awuyi kuba nanyanzelekanga ngaphandle kokwazi ukuba loluphi ukonyuka kwemali eyinkunzi. Imalunga ne ubutyebi boqoqosho ezithi iinkampani zibhenele kubo rhoqo Ezidweliswe kwiimarike eziphambili zesitokhwe selizwe lethu. Kwaye oko kubandakanya iimpembelelo ezithile kumaxabiso achaphazelekayo. Uya kuba negunya lokuya okanye ungayi kubo kuxhomekeke kwimidla yakho kwicandelo lemarike yemasheya.

Okunzulu ngakumbi, ukonyuswa kwemali kukusebenza kwemali okubandakanya ukonyusa izibonelelo zenkampani ngenjongo yokukwazi ukuxhasa ngemali utyalo-mali olutsha okanye ukuphucula imeko yezemali.

Ezi ntlobo zokusebenza koqoqosho azisoloko zifanaEwe akunjalo, kwaye banokukuchaphazela ngeendlela ezininzi, ukuya kuthi ga kwinqanaba lokuba bakhululeke ngokupheleleyo, kulapho ke bakuthandayo kakhulu kwimidla yakho yobuqu. Ngokuqinisekileyo unokujonga ukuba uyayilandela le ngcaciso.

Iiklasi zonyuso lwenkunzi

Zininzi iintlobo zonyuso lwenkunzi onokuya kuzo ukuba unezikhundla ezivulekileyo kwezinye zogcino lwesitokhwe ngokuxhomekeke kwezi ntshukumo kwikomkhulu lazo. Kwaye ngokuqinisekileyo banokuvela ngaphezulu kwesihlandlo esinye ebomini bakho njengomtyalomali omncinci nophakathi. Ezinye ziya kuba luncedo ngakumbi kunezinye, kodwa kuyo nayiphi na imeko iya kuba nguwe oya kuthatha isigqibo.

Ulwandiso lwasimahla: luquka xa ixabiso lezabelo ezikhoyo lonyuswa: Inokuhlawuliswa kwinzuzo engafakwanga yenkampani, kwaye kwimeko enjalo, awuzukunyanzeleka unikele ngemali ekusebenzeni kuba uza kufumana izabelo ezitsha ezikhutshiweyo, isimahla.

Le yeyona meko intle kakhulu kwimidla yakho, nangona kungasoloko kunjalo kuzo zonke iimeko. Inokukunceda ukhulise izikhundla zakho kwixabiso, ngezenzo ezininzi. Kwaye ngenxa yale meko, uya kuba namathuba amakhulu okwenza imisebenzi yakho ibe yinzuzo xa uthengisa izabelo, ezindala kunye nezintsha.

Ngokwesiqhelo: kuxa zisenziwa ngokwexabiso lobuso bezabelo ezitsha. Kule meko, ukuba ufuna ukuya kulwandiso, awuzukukhetha kodwa ubhatale imali eyongezelelweyo kwizabelo ezitsha. Le ntshukumo ibizwa ngokuba yipremiyamu yomcimbi, kwaye ayisoloko yanelisa kakhulu kwimidla yakho. Kwaye kuyo nayiphi na imeko, oko kuya kuthetha enye into ekuza kufuneka ujongane nayo ukuze uyenze inzuzo kwiinyanga ezizayo, okanye kwiminyaka.

Iziphumo ziveliswa ezinokulahlekisa abatyali mali abaninzi. Akukho enye ngaphandle kokunyuka kwenani lezabelo ezingekahlawulwa, elibangela ukuba ixabiso lencwadi lesabelo ngasinye lehle. Oku kusebenza kunempembelelo ngqo kwixabiso lesabelo. Akunanto, ngezihloko ezininzi kunangaphambili, ixabiso lesabelo ngasinye lixabisa ngaphantsi. Ukucocwa kwenzeka kwisitokhwe, into osele uyivile kwi-equity slang ngaphezulu kwesihlandlo esinye.

Injani imeko yakho?

Ngalo lonke ixesha ukonyuka kwemali eyinkunzi kwenzeka kwiinkampani ezidwelisiweyo, Abanini zabelo baya kuba nelungelo lokukhetha ukubhalisela izabelo ezitsha ngokubhekisele kubatyali mali abangenazikhundla kwizabelo. Ungalibali, kuba yenye yeempawu zokuhamba, kwaye oko kunokukunceda wandise izikhundla kukhuseleko oluchaphazelekayo. Ukuza kuthi ga kwinqanaba lokuba utyalomali lwakho lube namandla kunasekuqaleni.

Nangona kunjalo, amalungelo okubhalisela izabelo ezitsha aya kukhethwa. Akunyanzelekanga ukuba uye kunyuso lwenkunzi, kwaye kuphela ukuba unomdla kwiimeko zabo, kuya kufuneka ulwamkele utyando. Kukulungele kakhulu ukuba utsale ikhalityhuleyitha ukukhangela isiphumo sokwamkelwa kwayo kwiiakhawunti zakho, nokuba oko kuya kuthetha izibonelelo ezizayo.

Ungathatha ithuba lalo msebenzi wezezimali ukufumana izabelo ezininzi njengoko uvumelekile kunye nexabiso ebelikhutshwe ngaphambili yinkampani okanye ungasebenzisi ilungelo lakho ulithengise kwintengiso. Kwimeko yokuqala, uya kusibona isikhundla sakho njengomnini zabelo kwinkampani eyomeleleyo, nokuba simahla okanye ngokuhlawula ixabiso. Ukuba, kwelinye icala, awufuni ukuya kulwandiso, awuzukukhetha kodwa thengisa amalungelo kwiimarike. Unokufumana isixa esincinci kwintengiselwano yentengiso eyenziweyo.

Iziphumo zokunyuka kwexabiso

Xa kusenziwa iintshukumo zezemali, kungenxa yokuba inkampani izama ukutsala imali eninzi yokuxhasa ishishini. Ngokwesiqhelo njengesiphumo yenye ingxaki kwiiakhawunti zakho zeshishini. Kungenxa yoko le nto, ixesha ngalinye kukho ukunyuka kwenkunzi yamkelwe kakubi kakhulu ziimarike. Izabelo zabo zihlala zincipha, nokuba zikhohlakele, ukuvelisa ilahleko ebalulekileyo kwixabiso lezabelo zabo.

Bachonga ulwandiso kunye neengxaki zemali kwinkampani, kwaye ngazo banokufumana izixhobo eziyimfuneko ukuze baqhubele phambili. Aziveliswa kuphela kwiinkampani ezincinci, kodwa iinkokheli zesalathiso esikhethiweyo saseSpain ziyayenza. Kwanele ukubona ukuba kule minyaka idlulileyo, Iinkampani ezinjengeBanco Santander okanye iTelefonica zisungule ukonyuka kwemali eyinkunzi, nangona indalo yahlukile. Kwaye kuzo zombini iimeko, ukuphulukana nexabiso, nokuba lithutyana.

Kuphela kuxa abatyali mali bakholelwa ukuba inkampani iyakuphuma yomelele kwaye ixhamle kulwandiso, apho ixabiso lesabelo linokunyuka. Nangona unokucinga ngenye indlela, ayisiyonyathelo elinqwenelwa ngokwenene ngabatyali mali abancinci. Kuphela kuxa ungaphandle kwexabiso apho unokufumana khona inzuzo. Njani? Ewe, ilula kakhulu, ukungena kwizikhundla zabo ngamalungelo, endaweni yokuthenga izabelo ngokuthe ngqo kwi-stock exchange.

Ngayo yonke iminyaka uya kuba nemisebenzi emininzi yezi mpawu, kokubini kumaxabiso amakhulu kunye nalawo avela kwii-indices ezincinci. Iya kuba nguwe ekufuneka wenze isigqibo sokuya kubo, bobabini njengabanini zabelo, okanye uthathe isikhundla kwixabiso. Isithembiso esibonisiweyo sibaluleke kakhulu, kunye nendalo eyahlukileyo. Kuba ayizizo zonke izandiso eziya kufana, kuba nganye yazo ilawulwa zizinto ezichazwe kakuhle.

Yazi ukuba uya ekwandiseni

Ngalo lonke ixesha nayiphi na le misebenzi yenzeka kwiimarike ze-equity, kuya kufuneka ufunde ngesithembiso abakunika sona. Kwaye ubone ukuba ngaba ukwimeko yokwamkela isindululo sotyalo mali. Ukukunceda uphuhlise isicwangciso esichanekileyo nesaneleyo, sikunika uthotho lweengcebiso ezinokuba luncedo kakhulu kwimidla yakho njengomtyali mali omncinci. Kwaye ngenxa yabo, khetha esona sigqibo sifanelekileyo.

Uninzi lokonyuka kwemali eyinkunzi ayilothuba leshishini njengokuba ucinga. Iinkampani zizama ukukhulisa izixhobo zezoqoqosho ukukhulisa ishishini labo, kwaye bajikela kubanini zabelo. Sukubabhalisa ngenxa yokuba, kwaye ukuba kukho imfuneko funa ingcebiso kwingcali kwiimarike zezemali eziya kuzama ukukunceda uthathe izigqibo.

Eyona ndlela yokukhusela umdla wakho yile xa izandiso zisimahla, Kwaye akukho mfuneko yokuba ujongane nayo nayiphi na imali. Kwezi ukuba unokuba nomdla ekubhaliseni ulwandiso. Omnye umba ohluke kakhulu kukuba ixabiso lezabelo liya kuguquka njani kwiimarike zezabelo.

Uya kuba nexesha elide ukwenza isigqibo sokugqibela. Ezi ntsuku ziya kukunceda ukuba ufunde, uhlalutye kwaye ulawule umnikelo. Akunyanzelekanga ukuba unike uluvo lwakho kusuku lokuqala, kodwa unexesha lokuboniswa elinokufikelela phantse kwiintsuku ezingama-30. Ayibobulumko ukuba uthathe isigqibo ngaphambi kwexesha, ungasathethi ke ngaphandle kokucinga.

Ukuba injongo yakho kukushenxisa izikhundla kukhuseleko olubhengeza ukonyuswa kwemali eyinkunzi, ayizukuba sisigqibo esihle kuwe ukutshintsha ingqondo ngenxa yesi sibakala simangalisayo. Kuya kufuneka ugcine imeko efanayo, kwaye ngokulula ukwala isiceloNgaphandle kokuba iimeko zobhaliso zilunge ngakumbi kwiimfuno zakho.

Inzuzo onokuyifumana kule mi sebenzi ayizukubakho, kwiimeko ezintle kakhulu, kwaye baya kukubonelela kuphela ngezixhobo ezifanelekileyo zokuzonwabisa ebudeni bonyaka, akukho nto iyenye. Nangona kunokuthatha iinyanga ezimbalwa ukwenza le ntshukumo ngokusemthethweni.

Ngaphambi kokuba uye okanye unganyusi imali eyinkunzi, kuyakufuneka oko gcinani engqondweni ukuba le ngcebo yotyalo-mali ivela kweliphi na inkampani. Iya kuba sisikhokelo esinye ekufuneka uvavanye ukusebenza kwakho kwiintsuku ezizayo. Njengoko besiphinda-phinda, ayingafani yonke, kude kuyo.

Isiphelo sokugqibela

Nangona kungumbutho odala ulindelo phakathi kwabatyali mali abancinci, kukhethwa ukuba ujonge ezinye iindlela ezibonakalayo zokungena kwiimarike zezabelo. Okanye ubuncinci ukomeleza izikhundla zakho kukhuseleko oluthile. Ngapha koko, kwiimeko ezininzi, ukonyuka kwemali eyinkunzi baphumelela phantsi kweemeko ezinzima kakhulu, kwaye awuqondi nokuqonda. Ukufuna ingcebiso yabanye abantu, abayaziyo le mibutho.

Uya kuba nokuninzi ukubona ukuba ulwandiso lwenziwe kukhuseleko ngokunyuka okuphezulu okanye okuhla, kuba iya kuba yindlela eyenzekayo xa ixesha lokubhalisela liphela. Kwaye ungayenza inzuzo, okanye hayi, kuxhomekeka kwimeko nganye. Akumangalisi ukuba nganye yazo iya kwahluka, kwaye awunyanzelekanga ukuba ubenesi sifo ekuchongeni malunga nesidingo onaso okanye sokungayi.


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