Phinda ufumane izabelo

Ukwahlulahlula kwimarike yemasheya kuvelisa i-avareji yenzuzo ejikeleze iipesenti ezi-5 kwaye kuyo nayiphi na imeko oko kuthetha ukuba ngumvuzo omiselweyo ngaphakathi kokwahlukileyo. Ngokusebenzisa i- intlawulo eqingqiweyo neqinisekisiweyo Unyaka nonyaka, nantoni na eyenzekayo kwiimarike ze-equity. Ngenqanaba lenzala elidlula ngokubanzi elenziwa ziimveliso eziphambili zebhanki (iidipozithi zexesha elimisiweyo, amanqaku ezithembiso zenkampani okanye iiakhawunti ezinengeniso ephezulu). Kuzo zonke, ukuhlawulwa kwabathengi kunqabile ukugqitha amanqanaba eepesenti enye kwaye sesinye sezizathu zokukhetha ukwahlula-hlulwa okwabelwe ezinye zeenkampani ezidwelisiweyo.

Kuyo nayiphi na imeko, kukho enye indlela yokuqokelela izabelo kwiimarike ze-equity kwaye iyenzeka ngokubuyiselwa kwale ntlawulo kumnini zabelo. Kuyinyani ukuba ayizizo zonke iinkampani ezenza eli nyathelo linokwenzeka, kodwa lukhetho oluvulekileyo kubatyali mali abancinci nabaphakathi abanqwenela ukomeleza izikhundla zabo kwimarike yemasheya. Ukuze ngale ndlela, ubukho bayo kwiinkampani ezidwelisiweyo bubanzi kwaye bunamandla ngakumbi kude kube lelo xesha. Ngandlela thile, yindlela ye qhubeka ukhetha ibhegi njengesona sicwangciso silungileyo sokwenza ukonga ngeniso ukusukela ngoku.

Yintoni efezekisiweyo ngesi sicwangciso sikhethekileyo sokutyala imali? Ewe, ngaphezulu kwako konke ukomeleza izithuba esele zithathiwe. Ngenxa yokuba izicwangciso zokutsalwa kwemali eyahluliweyo zivumela umtyali mali ukuba athenge ngokuzenzekelayo izabelo ezintsha. Iziphumo zalo ezingxamisekileyo kukuba ibhalansi ye izabelo ikhula kancinci kancinci. Ngobukho bokwenyani bokuba ezinye ngaphezulu Inzala ephezulu kuba sinenani elikhulu lezabelo zakho ngenxa yeli nyathelo kwisahlulo. Akumangalisi ukuba yinto entle eyenziwe linani labanini zabelo kule minyaka idlulileyo.

Izabelo ziya kutyalo-mali

Ewe, ukuphinda kutyalwe izabelo kukuvumela ukuba wakhe iphothifoliyo enamandla kakhulu kwixesha elizayo. Phakathi kwezinye izizathu kuba uqokelela izabelo minyaka le kwaye kuxhomekeke kumvuzo wale ntlawulo ibalulekileyo kumnini zabelo. Isicwangciso esikhethekileyo esijolise kwiprofayili yotyalomali ndlongondlongo ngakumbi ukuba ukhetha ngaphezu kwako konke ukuhlala egcinwe kutyalo-mali lwakhe kunasekuhlawuleni kwangexesha inzala minyaka le. Ngamanye amagama, awungxami ekwenzeni ukuba umsebenzi ube nenzuzo kuba eyona njongo yakho kukusebenza kweminyaka emininzi. Ewe ayihlangani konke okulindelweyo kugcino.

Kwelinye icala, xa ukhetha esi sigqibo, eyona nto uyifunayo kukutyala iiasethi kwaye ayinamsebenzi ukuba izabelo ziyaqokelelwa ngexesha lokuhanjiswa. Batshintshiselwa ngezenzo yenkampani apho umsebenzisi evule khona izikhundla. Ukusuka kolu luvo, yinkqubo ekhethekileyo yokuphucula isitetimenti sengeniso kwixesha eliphakathi nelide. Ngobizo oluzinzileyo ngokwexabiso, yiyo loo nto eyahlula kwezinye iindlela zobuqhetseba. Ngamanye amagama, uqokelela izabelo, kodwa hayi ngemali. Ukuba akunjalo, ngokuchaseneyo, uzenza ngokwenyama.

Ingaba ngumsebenzi onenzuzo ngakumbi

Ngayiphi na imeko, kuya kufuneka ubone ukuba lo ngumsebenzi onokuba luncedo ngakumbi ukuba iintshukumo emva kweminyaka bahlaziya. Nasi isihluthulelo sokuthatha isigqibo sokuba ngaba kuyacetyiswa ukuba uye kule ntshukumo kwiimarike ze-equity. Kuba ukuba ekugqibeleni bekunje, akukho mathandabuzo ukuba umtyali mali uya kuphumelela kwiintshukumo zabo kwimarike yemasheya. Inokuphindaphinda kabini okanye kathathu inzuzo obuya kuyifumana ngokuhlawula izabelo. Ngale ndlela, kubalulekile ukuba kucace gca malunga neenjongo ekufuneka zilandelwe kuba lo msebenzi unokuba nefuthe elibi kwingxelo yengeniso yabasebenzisi.

Ngaphambi kokukhetha ukuphinda utyalomali kwisahlulo, kuya kufuneka uthathele ingqalelo into oyilandelayo kwiimarike zezemali. Ingakumbi ngokubhekisele kwi imiqathango yokuhlala ukusukela ukuba imisebenzi yakho kwimarike yemasheya ijolise kwixesha elifutshane ayenzi ngqondo yokuba uqhuba lo msebenzi. Ngapha koko, phantse ngako konke ukuqiniseka ukuba ekugqibeleni uyakuphela uphulukana nemali kwaye uya kuzisola ngokungayifumani intlawulo yezi zahlulo sele zikhankanyiwe. Ke ngoko, ngumsebenzi ofuna ukuboniswa kwinto oyifunayo kwihlabathi elihlala linzima kwimarike yemasheya.

Ukwamkelwa kotyalo mali

Ukuba ekugqibeleni uncike kwesi sicwangciso sotyalo-mali, awuyi kuswela izizathu ukuqhuba. Hayi ilize, kuya kufuneka uhlalutye ngokweenkcukacha ezinkulu ziziphi izibonelelo oya kuziziswa ngulo msebenzi. Nangona ufuna ukuthatha umlinganiso ngendlela elungeleleneyo, akufuneki ulibale ngomonakalo ongazukubangelwa kukungaziqokeleli ngqo izabelo. Njengoko sikuxelele kule nqaku, esi sigqibo siya kuxhomekeka kakhulu kwiprofayili oyivezayo njengomtyalomali omncinci nophakathi. Ewe, kukuphela kosuku ukuba ungantoni na.

Ngale ndlela, awungekhe ulibale ukuba ezo zisindisa zisindlongondlongo azifani nezo zokuzikhusela okanye ezenzekelayo. Ukuya kuthi ga kwinqanaba apho baya kufuna khona unyango olwahlukileyo, njengoko ubona kwangaphambili ngokufunda kwakho kwiimarike ze-equity. Ewe kunjalo ngomnye wezinto ekufanele ukuba uzivavanye owona mzuzu uchanekileyo apho kuvela le meko. Ngaphezulu kwezinye iindlela zobuchwephesha kwaye mhlawumbi nakwimbono esisiseko. Ungalibali ukuba awufuni ukwenza impazamo enkulu xa kufika ixesha lokuhambisa izabelo.

Ngaba isahlulo kufuneka siphinde siphinde senziwe?

Le meko iya kuba ntle kakhulu xa ezinye zeemeko esiza kuzichaza apha ngezantsi zisenzeka. Hayi ngelize, uyakufumana utyalomali lwakho lube namandla ngakumbi kunangoku. Ke ukuze ungabinalo naluphi na uhlobo lwamathandabuzo, akukho nto ilunge ngakumbi kunokubonisa le meko apho isigqibo sakho sixhomekeke kwixabiso elihambisa izabelo phakathi kwabanini zabelo. Ngaba uzimisele ukufikelela kweli nqanaba lifanelekileyo? Ewe, nikela ingqalelo kuba inokuba sisixhobo esiluncedo kakhulu kutyalo-mali lwakho kwimarike yemasheya.

Uncedo lokuqesha kwakho

Nangona iyimveliso enenzuzo ngokuphakathi, ayizizo zonke izibonelelo kwaye ukuqeshwa kwayo kuxhomekeke kuhlobo lomthengi ekubhekiswa kuye. Phakathi kwezibonelelo ezinokufunyanwa ngumsebenzisi wentengiso yesitokhwe zezi zilandelayo:

• Ukubonelela nge- umvuzo ophezulu oko kuya ngokupheleleyo kutyalo-mali oluye lwenziwa ngelo xesha.
• Ikuvumela ukuba uphelise intlawulo ye- ulondolozo kunye neendleko zolawulo Kwaye nazo zonke iikhomishini. Kwelinye icala, akukho luhlobo lwerhafu luya kuncitshiswa, njengoko kunjalo ngokuhlawulwa ngokuthe ngqo kwezabelo.
• Yindlela elula kakhulu yokuba kufuneka uphinde utyale imali eveliswe ngale ndlela yempindezelo. Ngaphandle kwesidingo sokuya iimarike zemali ukuseta ixabiso lokwenza urhwebo.

Ukungancedi kwesi sicwangciso

Ngokuchasene noko, ukusetyenziswa kwayo kubandakanya uthotho lomonakalo ongenakukunika njengesisombululo sokuya kule nkqubo ukungena ngezikhundla ezintsha kwixabiso elikhethiweyo. Kungenxa yokuba, ukukhula kwayo kubandakanya uthotho lweengxaki ezinokuthi zithathele ingqalelo ukusukela ngoku. Kwaye phakathi kwezi zinto zilandelayo kuyacaca ukuba sikubhengeza kweli nqaku.

• Sukuchaphazela kuzo zonke izabelo abasasaza izabelo kubanini zabelo. Ukuba akunjalo, ngokuchaseneyo, bambalwa kuphela abalawulwa zezi paramitha kutyalo-mali. Ukuya kwinqanaba lokuba inokwenza ukhetho lwakho lwamva lube nzima.
• Ngayiphi na imeko, yi- Imveliso ekhuselayo kubatyalomali abakhetha ukutyala ngokuthe ngqo kwimarike yemasheya okanye ukusebenzisa ezinye iindlela ezibonelelwa zizabelo.
• Esi sicwangciso sikhethekileyo sijolise kubanini zabelo abanezabelo ezibekwe kwibhanki enye nakwixabiso elifanayo lemarike.
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• Ngale ndlela, utyalomali kwizabelo luvumelekile ukuba luye ukukhula ngokuzenzekelayo kunye nokuqhubela phambili ukuya kuthi ga kumda wokumisela ngokwakho ngokusekwe kwiimfuno zakho zokuhlawula amatyala. Kwimeko nganye, iya kwahluka kakhulu kwaye ke ngoko ukwenziwa kwayo ngokusemthethweni kuyacetyiswa okanye hayi.
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