Imihla emiselweyo yeemveliso zotyalo-mali

Imigaqo kutyalo-mali yeyona nto imisela ukulawula ingeniso yeemveliso zezemali. Kude kube Imodeli nganye yotyalo-mali ifuna isigxina sayo. Kuzo nganye yahlukile, nangona ezinye zinokuhlangana. Kuya kuba kubaluleke kakhulu ukuba uyithathele ingqalelo ukusukela ngoku. Ukuze ube neziqinisekiso ezininzi ngakumbi kuyo yonke imisebenzi oyimiselayo.

Ayifani nokujonga ixesha elifutshane njengexesha elide. Akumangalisi ukuba baya kufumana unyango olwahluke ngokupheleleyo. Kwaye baya kufuna ukuqeshwa kwabathile iimveliso zemali ngaphezulu kwabanye. Ukuba ufuna ukuphumelela kubudlelwane bakho nehlabathi lotyalo-mali, awuzukukhetha kodwa ukwazi ukuba zeziphi ezona zicetyiswayo kwimigaqo nganye. Uya kuba neendlela ezahlukeneyo kwaye kwezinye iimeko phantsi koomatshini abangafaniyo kuwo onke amatyala.

Ke ukusukela kulo nyaka ukutyala imali yakho kuphuculwe ngempumelelo enkulu, kuya kufuneka uyazi ukuba zeziphi iimveliso ezinenzuzo ngakumbi kwimigaqo nganye. Kwaye ubuncinci, izizathu zokuba le meko yenzeke. Ukuba neemveliso ezininzi zotyalo-mali, uya kuba nendibaniselwano engaphezulu kwesinye ukwenza ukonga kunenzuzo ngeyona ndlela ichanekileyo. Kweli nqaku, yonke imiqathango yokuhlala enokubakho iya kubandakanywa. Ke unako zisebenzise kwimisebenzi yakho kwiimarike zezabelo okanye ezinye iiasethi zemali.

Imihla yokugqibela: kukufutshane

Le misebenzi yile yenzeka kwiseshoni enye yorhwebo. Ziyaziwa njenge ngaphakathi kwaye bafuna ukunyuka okungaqhelekanga kwiintshukumo ngamanye amagama amade. Imveliso ebonisa le meko ngokungathandabuzekiyo yingxowa. Ngenxa yeempawu zayo ezikhethekileyo kwaye zikuvumela ukuba `` uvule kwaye uvale indawo kwiiyure ezimbalwa, nokuba yimizuzu. Yeyona ntengiso ye-agile onayo kule miqathango imfutshane. Ngenkululeko epheleleyo kuyo yonke intshukumo oyenza ngokusesikweni ukusukela ngoku

Nangona kunjalo, ayingawo onke amaxabiso aya kusebenza kolu hlobo lwemisebenzi ekhethekileyo. Kuya kufuneka ujonge kwabo banokungazinzi okuphezulu. Umahluko obanzi phakathi kwamaxabiso abo Ubuninzi kunye nokuncinci. Ukuze ngumahluko wabo ubekwimeko yokwenza iintshukumo zakho kwizabelo ukuba zinenzuzo kunye neziqinisekiso ezinkulu. Ukuza kuthi ga kwinqanaba lokuba ukwazi ukwenza imisebenzi emininzi kwangolo suku lunye.

La maxesha amade ngalawo akhethwe ngabona batyalo-mali bathelekelelayo. Ufuna nciphisa ixesha elibekiweyo, nangona inzala abayifumanayo isezantsi. Zisebenza ngokuqhubekayo, ngaphandle kokuyeka ukwenza imisebenzi kwimarike yemasheya. Ngamanye amaxesha ngendlela elungileyo, kodwa kwabanye becinga ukuba baya kwenza ukukhubazeka. Banamaxabiso athe tyaba okusebenza kunye neemarike zezemali, ekunokugcinwa kuzo ii-euro ezininzi unyaka wonke.

Amagama amafutshane, kunye neemveliso ezingaphezulu

Le ikwayimisebenzi ekhawulezayo kakhulu, kodwa ngaphandle kokuqhushumba kwentshukumo yangaphambili. Ingxowa ikwamkela olu hlobo lokuhlala isigxina.. Kodwa ngomda omkhulu ekusebenzeni. Ixesha elifutshane lithathwa njengelixa elinokubakho ukusuka kwiiveki ezimbalwa ukuya kwiinyanga ezimbini okanye ezintathu. Nokuba kunokwenzeka ukuqokelela izabelo kwiimeko zokhuseleko ezikhetha lo mgaqo-nkqubo womvuzo wabanini zabelo.

Kule meko, ezinye iimveliso ezihambelana nesi sicwangciso zivulelwe wena. Enye yazo yimvume, nangona ikuluhlu olusisigxina. Yimodeli yotyalo mali enzima ngakumbi. Phakathi kwezinye izizathu kuba kuya kufuna ulwazi olunzulu ngoomatshini bayo. Unokufumana imali eninzi, kodwa ushiye ii-euro ezininzi apha endleleni. Ngenxa yomngcipheko owenzayo ukuba ubaqesha njengefomula yotyalo-mali kwiprofayile yakho njengomsebenzisi.

Los mvume Banelungelo lokuba ungababhalisa, kokubini ngokusebenza okufutshane kunye nokude. Ngale ndlela, ungathatha ithuba kuzo zonke iimeko ezivelayo. Eyona nto imbi kakhulu kwiimarike zezemali. Ongakwaziyo ukuzenza kunye neemveliso ezininzi zemali. Awuyi kufuna ukuba iibhegi zenze i-bullish ukuze ubenakho ukwenza inxenye yokonga kwakho ibe yinzuzo.

Amagama aphakathi, ukuqheleka kwimarike yemasheya

Olu hlobo lokuzinza lolona luqhelekileyo kubatyali zimali abancinci nabaphakathi. Mhlawumbi ikwimeko yakho. Isusela kwiinyanga ezimbalwa ukuya kunyaka. Kwiinyanga ezininzi ezizayo, ukuba izinto azihambi ngendlela obucwangcise ngayo xa uqala utyalo-mali lwakho. Uninzi lweziqinisekiso ezithengiswa kwii-equities zisebenzele wena. Zombini izizwe kunye nezo zivela kwezinye iindawo zamanye amazwe. Unesithembiso esinamandla ukumisela ipotifoliyo yakho ngendlela efanelekileyo kunye neziqinisekiso ezithile.

Awunakulibala nakweyiphi na imeko ukuba eli xesha liphakathi liluncedo kakhulu ekuphuhliseni ukusebenza kwimarike yemasheya. Kodwa nakwezinye iimveliso zemali. Ezifana notshintshiselwano mali. Ezinye iimveliso ezibandakanya olu phawu lubalulekileyo yimali yotyalo mali. Kuyo nayiphi na into eyahlukileyo eyahlukileyo. Zombini kwizabelo nakwimali engenayo esisigxina. Nokuba usebenzisa ezinye iindlela zotyalo-mali ukuba lo ngowona mnqweno wakho uphambili.

Iimveliso ezinobungozi obuphezulu, ezinje ngeziqinisekiso zentengiso kwiikhredithi nazo ziyaphendula kwesi sidingo sotyalo-mali. Nangona eneemfuno ezahlukileyo ezahlukileyo. Ijolise kwiprofayili yotyalo mali elinganiselweyo. Khangela imbuyekezo ekhawulezayo kwaye inenkcubeko enkulu yezemali. Nangona kukho umngcipheko wokugqibela wokuba uninzi lwee-euro lunokushiyeka endleleni. Mhlawumbi zininzi kakhulu kwelinye iklasi labatyali mali.

Elona xesha lide lotyalo-mali

Okokugqibela, kukho amagama amade, ayilelo enzelwe ixesha lokuhlala ngaphezulu kweminyaka emibini okanye emithathu. Abona bamkeli bayo bakhulu ikakhulu ngabatyali mali abanesimo esifanelekileyo. Kukho amatyala abagcini-mali abagcinileyo akukho mhla wokuphelelwa. Ukuya kuthi ga kwinqanaba apho utyalomali lunokuba lilifa. Njengoko iqhelekile phakathi kwabatyali mali baseJapan. Ngayiphi na imeko, lolunye ukhetho olukulawulayo lokonga kwakho.

Zonke ziyimveliso ezisetyenziselwa la maxesha amade. Ewe kunjalo, kubandakanya urhwebo kwimarike yemasheya. Zihambelana kakhulu nokuhamba kancinci. Kodwa hayi kuwo onke amaxabiso. Kodwa ngokuchaseneyo, ngabo bazinzileyo kwaye benza imbuyekezo encinci minyaka le. Kude kube unokuxhamla kwizabelo abasasaza rhoqo. Ngesivuno sonyaka esiphakathi kwe-3% kunye ne-8%. Unezindululo ezininzi zezi mpawu. Ukwenza ingeniso emiselweyo ngaphakathi okwahlukileyo.

Enye yeemveliso ezilungiselelwe elona xesha lide yenziwe ngezixhobo zotyalo-mali. Mhlawumbi yeyona ifanelekileyo kuzo zonke. Ziyindalo eziyiyo. Akukho mahluko ngokubhekisele ekucetyisweni kwale migaqo. Luhlobo lwe yenza ingxowa yokonga imali unyaka nonyaka. Nanjengokongeza kwipenshini. Ayothusi into yokuba kuqhelekile ukudibana nabanye abagcini abangaphezulu kweminyaka emihlanu kule mveliso yemali.

Ngokwahlukileyo, iimveliso zotyalo-mali ezinobungozi obukhulu azilungelanga le misebenzi. Hayi kangako, kuba zifuna ukushukuma ngakumbi ngakumbi kwaye zifuna ukuzalisekiswa kwexesha elimisiweyo. Njengakwimeko ethile yeziqinisekiso, ukuthengisa ngetyala okanye izivumelwano zomahluko. Ngaphandle kwazo naziphi na iimeko akufuneki utyale imali kuzo, ukuba umbono wakho umiselwe ixesha elide.

Ukongeza, kufuna ukuba unenkxaso ebaluleke kakhulu yezemali. Kwanele ukuze ungadingi kuhlangulo oluthile. Into exhaphake kakhulu phakathi kwabasindisi abadala. Ngokuchasene noko, omncinci akathandi ukukhetha ezi mveliso zotyalo-mali. Abavumelani ngokukhethwa kwemigaqo. Kwaye ngamanye amaxesha akukho koomatshini bayo kutyalo-mali. Iinjongo zakho zihamba kwicala elahluke kakhulu. Ihlala isuswe kwimigaqo emide kakhulu yokuhlala. Abahambi nefilosofi yabo yemali.

Ngazo zonke ezi ngcaciso, uya kuba nokucaca kancinci apho iimodeli zokonga kufuneka utyale imali yakho. Ukusuka kwikota yokuhlala efanelekileyo yeprofayile yakho. Iya kuba yindlela yoqobo Ukulahla izindululo zotyalo-mali. Ukuhlala ngokuqinisekileyo nezo zilungele iimfuno zakho. Akusekho okungaphantsi. Yindlela eluncedo kakhulu yokulawula iiasethi zakho ukusukela ngoku. Kuxhomekeka kwiindawo zokubeka onazo.

Njengoko unokucinga, nayo into efanayo iyenzeka kwiimveliso zebhanki. Ukufakwa kwexesha, amanqaku ezithembiso okanye iibhondi ezihlanganisiweyo, phakathi kwezona zibalulekileyo. Ungabakhetha ngokusekwe kumhla obekiweyo. Unabo ngokuhlala inyanga enye ukuya kumaxesha amade anokufikelela ngokugqibeleleyo kwiminyaka emihlanu. Ngaphezulu kolunye uhlobo lwezindululo ezizodwa. Ngale ndlela, ukuba bhetyebhetye kukodwa ukulungiselela iimfuno zakho kubudlelwane bakho nehlabathi lemali. Izindululo, ewe, awuyi kuphoswa nakweyiphi na imeko. Kwaye kuzo zonke iimeko zoqoqosho kunye nemeko. Ekuphela kwento elahlekileyo iya kuba ngumnqweno wakho wokwenene wokutyala imali ngemirhumo oyifumene kwiakhawunti yakho yokutshekisha ukusuka kuloo mzuzu kanye.