Kuqhelekile ukuba ngokufika konyaka omtsha yeyona ilungileyo i ngcebiso ukutyala imali oyigcinileyo. Kodwa hayi kangako ngezokhuseleko okanye iiasethi zemali eziza kubonisa ukungazinzi okukhulu ngeli xesha. Iya kuba ngomnye umthombo wolwazi ngokubaluleka okhethekileyo ukuze ukwazi ukwenza imisebenzi yakho unesiqinisekiso sempumelelo. Nokuba sisandulelo ukuze ukhethe i Ukutshintsha iintshukumo. Njengefomyula yotyalo-mali yokusebenzisa amathuba ezivelisa ezona ntandabuzo kwiimarike zemali.
Ukuguquguquka kuya kubakho kwii-asethi ezininzi zemali, ngaphezulu kunokuba ucinga ngoku. Ayothusi into yokuba iyakuba ngunyaka onzima kakhulu apho kuya kufuneka uyazi kakuhle yonke into eyenzeka ngala maxesha kwilizwe lemali. Ukusuka kuthotho lwezindululo eziza kuba nedinomineyitha kuzo zonke. Ayikho enye ngaphandle inqanaba eliphezulu lokungazinzi. Ngaba uzimisele ukuthatha lo mthombo omtsha wolwazi kutyalo-mali lwakho?
Kakade ngaphambili bekukho iimeko apho ukungazinzi kufakelwe ixesha elifutshane. Njengomphumo we ukungazinzi kwezopolitiko kwilizwekazi elidala, ngakumbi emva kokuvunywa kwe-Brexit ngabantu base-Bhritane. Kodwa kulo nyaka, ngokutsho kwabahlalutyi abohlukeneyo beemarike zezemali, imeko ithambekele ngakumbi kolu phawu luchazwe kwaye luchaphazela iimveliso ezahlukeneyo zezimali kakhulu. Mhlawumbi elinye lamagama aphambili achaza kakuhle indlela eziphatha ngayo iimarike yile. Ukuguquguquka. Makhe sibone ukuba zeziphi iiasethi zemali eziza kuchaphazeleka kakhulu ukusukela ngoku.
Kuya kubakho phi ukungazinzi?
Ukucacisa le ntsumantsumane igcinwe ngabatyali zimali abancinci nabaphakathi, njengoko kunjalo kwimeko yakho, inkampani yotyalo mali iGoldman Sacha inika ezinye zezitshixo malunga nokuba zingavela phi ezi ntshukumo zikhethekileyo. Kwingxelo yakutshanje, ukhankanya ukuba kuya kubakho izinto ezininzi ezimangazayo ngolu phawu lweemarike zezemali, xa kuthelekiswa nonyaka ophelileyo. Ngayiphi na imeko, amacandelo amabini abonisa oku kubaluleka ziinkampani zemigodi kunye neenkampani zebhayoloji.
Kula macandelo mabini, unezicwangciso ezininzi zokuqokelela ukungazinzi okuboniswa ngamaxabiso abo. Enye yezona zinto zisebenza kakuhle ngeemali zorhwebo, eyaziwa ngokuba yi-ETS. Yenye yeendlela onokuthi ukhethe kuzo kulo nyaka ukwenza inzuzo oyigcinileyo kutyalo-mali. Ewe kunjalo, ngenxa yezi ntshukumo. La ngamacandelo angenakho ukugcina imeko eqinisekileyo kwaye iya kuba lixesha lokuba uvule izikhundla kwezi mveliso zezezimali.
Kuzo zombini iimarike zezemali, ukungazinzi kunokuba phezulu ngeli xesha litsha. Ukuthatha ithuba lolu mkhwa, ungarhuma kwenye yezi mveliso kwaye wenze intshukumo enenzuzo kwiindawo zonyaka apho banogonyamelo olukhulu khona. Ukuze ngale ndlela, ube neziphumo ezilungileyo zotyalo-mali lwakho kuzo zonke iimeko ezinokubakho, nakwezona zinzima.
Ezixabisekileyo zithatha eli nqanaba
Enye yeeasethi zezemali ezichaphazelekayo ezinokuthi ezi meko zinokuziqhelanisa nazo zezesinyithi ezixabisekileyo, ngakumbi igolide. Kungenxa yokuba, abahlalutyi bezemali bacebisa ukuba iimeko zinokubakho ukungazinzisi ukuhlala kwixabiso lazo ukusukela ngoku. Ngasentla kubonisiwe kolunye utyalomali oluqhelekileyo okanye ubuncinci ukuba uqhele ukusebenza nabo. Kwakhona ngokusebenzisa ingxowa-mali yokurhweba edibene ngokusondeleyo neentshukumo zentsimbi etyheli.
Ngale ndlela, amazwi eengcali aliqela alumkisa oko Ixabiso layo linokulungiswa ngokuqinileyo kulo nyaka. Emva kovavanyo olukhulu olwenziwe kwiminyaka emibini edlulileyo. Ukuwa kumanqanaba abathengisa kuwo ngoku, nge-1.200 yeedola, ukuya kuthi ga kwi-1.000 yeedola. Nangona kungekho kunqongophala kweengcali zentengiso ezichaza ngokuchaseneyo ukuba isiphumo esichaseneyo sinokubakho. Ngenxa yokungaqiniseki kwezopolitiko okuza kubakho kuDonald Trump. Ukuza kuthi ga kwinqanaba lokuba abatyali mali abaninzi banokuthatha igolide njengendawo ekhuselekileyo yokwenza imisebenzi yabo kwiimarike zezemali.
Ezi ntshukumo zinokwandiswa ziye ezinye izinyithi ezixabisekileyo, nangona kuncinci kakhulu kubunzulu beekowuti. Umzekelo, kwiimeko ezithile zeplatinam, ipalladium okanye isilivere efanayo. Nangona kunjalo, yimisebenzi eya kufuna umzamo omkhulu ukuyenza kuba ayizizo zonke iimveliso zezemali ezinazo kwiphothifoliyo yazo yotyalo-mali. Akukho kuncinci, kuba uya kuba neendlela ezimbalwa kakhulu zokuvula izikhundla kuyo nayiphi na kwezi asethi zemali ezizodwa.
Ukungazinzi kwimarike yemasheya
Ngokubhekisele kwii-equity zemveli, ungakhathazeki kuba uya kuba namathuba okutyala iiasethi zakho phantsi kwempawu yokungazinzi. Kunjalo kumaxabiso athile ukodlula amanye. Kwaye ngendlela elula kakhulu. Akumangalisi ukuba yimarike osele uqhele ukuthengisa kuyo rhoqo. Kwaye mhlawumbi nazo zonke iintlobo zendlela, kubandakanya le. Ngoku kufuneka wazi kuphela ukuba ngawaphi amacandelo okanye isitokhwe esiya kuba nakho ukuva ezi ntshukumo zingalunganga.
Ewe kunjalo, omnye wabo uya kumelwa licandelo lebhanki. Kukho amathandabuzo amaninzi afuna ukususwa ukusukela ngoku. Kodwa kwelinye icala, banamandla amakhulu okujonga phezulu. Ngenxa yokuba bathengisa ngokubalulekileyo izaphulelo kumaxabiso abo. Njengesiphumo esithe ngqo sezilungiso eziqinileyo ezenziweyo kunyaka ophelileyo. Ukusuka kolu luvo, banokuba lolunye ukhetho ukuba ufuna ukukhetha ukungazinzi njengesicwangciso sotyalo-mali.
Unazo ezinye iindlela ebhegini. Enye inokuthi ithathwe kwelona xabiso likhulu kwiimarike. Kwiimeko ezininzi, inxulunyaniswa netekhnoloji entsha okanye iimodeli zeshishini ezintsha. Banokubandezeleka ngeendlela ezahlukeneyo kwiinyanga ezizayo. Kude kube kufikelelwe kwinqanaba eliphezulu lokuphambuka kwizicatshulwa. Inokuba sesinye isicwangciso onokuwusebenzisa ukukhetha ukungazinzi. Ngeziphumo ezilungileyo kakhulu ukuba le meko yokuba uninzi lwabahlalutyi bamasheya alinganisa ukuba yenzekile.
Kwakhona ezinye izinto eziluhlaza
Ukujonga kwakho ukungazinzi kutyalo-mali, awungekhe ulibale malunga nezinto ezithile eziluhlaza eya kukhokelwa yile parameter. Hayi, kunjalo, ngeoyile, kuba kubonakala ngathi iya kuqhubeka nokunyuka ngokufanayo ivaliwe kunyaka ophelileyo. Ewe kunjalo, ngokulungiswa kwayo kwamaxesha ngamaxabiso ayo. Kodwa ngokomgaqo, hayi ukuyikhetha njengeeasethi ezinokuguquguquka kwemali. Ngokuchasene nento enokwenzeka ngezinye iiasethi kolu rhwebo lubalulekileyo lwezezimali.
Njengakwimeko ekhethekileyo ye okunye ukutya. Phakathi kwazo, ingqolowa, ioyile, isoya okanye iswekile. Ngotyekelo lokuba inokukhulisa umahluko obanzi phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Ungathatha ithuba lokuhamba kwezi mali zorhwebo ngokutshintshiselana kwakhona. Ngokukhetha okuhle kweemveliso ezinezi mpawu. Ngelixa kwezendabuko ngakumbi iindlela onokuvula kuzo izikhundla kolu qhushumbo zilinganiselwe kakhulu.
Nangona kunjalo, kuya kufuneka unikezele ngolwazi oluthe kratya kwezi mveliso zezezimali. Ayothusi into yokuba umngcipheko abanokuthi bawuthathe mkhulu kakhulu. Kananjalo unokushiya ii-euro ezininzi endleleni. Ukuba ucinga ezi meko, kuyacetyiswa ngakumbi ukuba ukhethe ezinye iindlela ezivela kwiimarike ezilula. Okanye ubuncinci bakunika iziqinisekiso ezingaphezulu ngokweziphumo onokuzifumana.
Izitshixo zokusebenza
- Kuya kufuneka ukhethe ukungazinzi xa kucacile ukuba ziya kubakho kwezinye zee-asethi eziyimali ukuba usebenze ukukhulisa utyalo-mali.
- Kufuneka zibe lutyalomali amaxesha amafutshane kakhulu, ukuze ungaziboni utyibilikisiwe kwiintshukumo ezingafunekiyo ezinokukhokelela ekurhoxiseni inzuzo eqokelelweyo kwiiseshoni ezidlulileyo.
- Imfuno esisiseko yokusebenza iya kuba yile uyazi kakuhle iimarike ezikhethiweyo kule misebenzi. Ayinguye wonke umntu osebenzayo, kodwa kunye nabo baqhele ukusebenza okanye ukuhamba kuzo.
- Ngaphandle kwamathandabuzo kufuneka nawe vavanya ubungozi kwabo uziveza ngokwakho ngale misebenzi ikhethekileyo. Ewe kunjalo, ngaphezulu kakhulu kwezinye iimeko eziqhelekileyo kutyalo-mali lwakho.
- Ukunyaniseka asiyontshukumo eqhubekayo, kodwa ke Imiselwe ixesha elithile ngakumbi kunelinye. Awunakukhetha ngaphandle kokuthatha ingqalelo yokwandisa ukusebenza nakweyiphi na intengiso yemali.
- Ayizukucetyiswa kakhulu ukuba utyale imali eninzi kwiiasethi zakho kule misebenzi. Endaweni yoko, kufuneka zakhiwe njenge iintshukumo ezincedisayo kutyalo-mali lwakho oluphambili. Kwaye uhlala ngexesha elifanelekileyo nangaphezulu okanye ngaphantsi.
- Ngexesha ulwazi olungaphezulu onazo kwiimarike ezichaphazelekayo, kokukhona kuya kuba ngcono kwimidla yakho. Ngokukwazi ukwandisa imisebenzi yakho ukuya kwezinye iindlela ezahlukileyo zotyalo-mali. Ukonyusa isivuno kangangoko kunokwenzeka.
- Ngaphandle kwamathandabuzo kukho ezinye Ii-asethi eziyimali ezibuthathaka kunabanye kukungazinzi. Ngokuchanekileyo kwezi apho kuya kufuneka uye kwenza iminyaka yakho ibe nenzuzo kulo nyaka. Nangona ungaphulukana namathuba athile eshishini kwezi nyanga.