Ukutyala imali emanzini kuyahlawula ekuhambeni kwexesha

amanzi

Utyala imali emanzini? Ngamaxesha okungaqiniseki kwizabelo, njenganamhlanje, abatyali mali abaninzi bazama ukuhambisa imali yabo kwiimali ezinqabileyo. Ukuzama ukusebenzisa amathuba aveliswa ziimarike zezemali. Unendawo ebanzi onokukhetha kuyo. Kuzo zonke indalo nemeko. Ukuza kuthi ga kwinqanaba lokuba sisigqibo esingenakuqondakala kumtyali mali onamava. Ukusuka kwiindlela ezahlukeneyo zotyalo-mali.

Kule meko yotyalo-mali, unokutyala imali oyigcinileyo kuyo yonke into edweliswe kwi iimarike zemali. Ngegolide, umbona, ipalladium, inyama yenkomo kunye neeklabhu zebhola. Kwaye kunjalo emanzini, yenye ye ezona zinto zibalulekileyo kumhlaba. Ngokusetyenziswa okuphezulu kakhulu ngabemi behlabathi. Ingxaki ivela xa uthatha isigqibo sokutyala imali yakho ekhoyo kule ndlela yamandla. Ungahlangabezana njani nale mfuno kutyalo-mali olukhethekileyo? Ewe, siya kukunika ezinye izimvo zokwenza esi sicelo.

Kuba ngokwenyani, uya kuba neendlela ezininzi ngakumbi kunokuba ucinga ukuvula izikhundla kwicandelo lamanzi. Mhlawumbi hayi ngendlela elula njengakwezinye iiasethi zemali ezingaphezulu okanye ezingaphantsi. Kodwa ubuncinci uza kuba nezindululo ezimbalwa oza kuzikhetha kule fomu yotyalo-mali. Kunjalo kwiimarike zamasheya, kodwa ngezinye iimveliso zezezimali ezinokuqokelela ibango lakho ngeli xesha.

Gcina imali engxoweni

Ewe, eyona ndlela ilula yokuba wamkele lo mngeni kukuthengisa iimarike. Ngokusebenzisa amaxabiso aphetheyo ekusasazeni la mandla abalulekileyo. Nangona kunjalo, eyona ngxaki iphambili oya kuyifumana ukusukela ngoku kukubonelela okuncinci onakho kwimarike yesizwe. Kutheni zimbalwa iinkampani zaseSpain ezibandakanyekayo kulo msebenzi weshishini. Ijolise ikakhulu kwi Amanzi eBarcelona, enobunzima obuncinci kakhulu kwiimarike zezemali zaseSpain. Ngaphandle kwesi sicelo, ukhetho lucacile.

Ukutyala imali emanzini, awuzukukhetha ngaphandle kokuya kwiimarike zamanye amazwe. Apho ukunikezelwa kwale klasi yeenkampani kuninzi kakhulu. Ubuncinci unokukhetha ukuzama ukwenza ukonga kwakho kunenzuzo. Umzekelo olungileyo wale meko uboniswa yi ibhegi yasejamani. Apho ezinye iinkampani zezi mpawu zidwelisiwe kwaye inokuba sisazulu samehlo akho ukwenza iphothifoliyo yakho elandelayo yezokhuseleko kwiminyaka ezayo.

Ngayiphi na imeko, ukuba kukho intengiso apho iinkampani zamanzi zimelwe kakuhle, yiMelika. Ngenye yezona zinikezelo zigqibeleleyo kwimeko yamazwe aphesheya. Nangona ukuthenga izabelo zabo baya kufuna iikhomishini ezingakumbi kunezo zilapha. Ukuya kwinqanaba lokuba inokukuxabisa phantse iphindwe kabini xa kuthelekiswa nemisebenzi yesizwe. Yinto ongasoze uyilibale ukucwangcisa utyalo-mali lwakho ukusukela ngoku.

Izizathu zotyalo-mali lwakho

utyalo mali

Alithandabuzeki elokuba amanzi kuyinto enqabileyo elungileyo emhlabeni, ngaphezulu kwezinye iintlobo zamandla. Kwelinye icala, ukwanda kwabemi behlabathi kuya kufikelela phantse kubemi abali-10.000 lamawaka ezigidi ngonyaka wama-2050. Isiphumo esithe ngqo sale meko kukuba iya kubangela ukwanda okubonakalayo kwamanzi. Omnye wabaxhamli abakhulu bale meko ngokungathandabuzekiyo ziinkampani ezinxulumene nentengiso yamanzi. Ewe kunjalo, ukuba zidwelisiwe kwimarike yemasheya, uya kuthatha ithuba lokuhamba kwazo.

Ukongeza, esinye sezizathu esikumema ukuba utyale imali sivela kwiimpawu zolu khuseleko. Kungenxa yokuba, zidweliswe ngozinzo olukhulu kwaye kunqabile ukuba zibonise ukugqitha, zombini ngengqondo enye nakwezinye. Kwelinye icala, ukungazinzi akukho kwimigca yokusebenza kwayo. Ukuza kuthi ga kwinqanaba lokuba ukhuseleke kumaxabiso kwezona meko zintle zeemarike zezabelo. Ayizukumangalisa into yokuba unokwenza ingeniso enenzuzo xa amasheya esiwa okanye ekwidowntrend.

Umgangatho weli candelo lobuchule ngu I-S & P yeHlabathi yaManzi. Yenziwe ziinkampani ezijongana nonikezelo lwamanzi, ukusebenza kwetekhnoloji kunye neenkonzo zokusingqongileyo. Ngoncedo lokuba ikwimeko yokunyuka simahla emva kokuba iphinde yahlaziywa ngaphezulu kwama-200% kule minyaka isibhozo idlulileyo. Ngokuchanekileyo ukuthatha inxaxheba kwinxalenye yokugqibela yentlekele ebalulekileyo yezoqoqosho eye yenzeka phantse kwihlabathi liphela.

Imelwe yimali

imvelaphi

Ngaphandle kwamathandabuzo, le yenye yeemveliso ekucetyiswa ukuba zithathe indawo emanzini. Unezindululo ezininzi ezilungiselelwe ngabaphathi kule minyaka idlulileyo. Elinye lala manyathelo livela kwi-JSS Sustainable Water Fund, egcina a isivuno sonyaka sisondele kwi-10%. Ayisiyiyo kuphela apho unokuzibeka khona okwangoku okoko ukunikezelwa kwezi mveliso kuvelise iPictet Water, enye yezona zidala ezikhoyo ngoku. Ngokubuyisa imali oyigcinileyo kule minyaka mithathu idlulileyo ifana kakhulu neziphumo zangaphambili.

Ngaphakathi kwesi sibonelelo, iParvest Aqua Privilege-Capitalization ikwavelele. Akumangalisi ukuba, kwenzeka ukuba ibe yenye yezona mali zinenzuzo kulo msebenzi. Ukuba ngomnye wabo bane inani elikhulu labathathi-nxaxheba njengesiphumo sokuvela kwepotifoliyo yotyalo mali. Ukuba yenye yeendawo ezinqwenelekayo zabatyali mali abanamava abafuna ezona mveliso zilungileyo ngawo onke amaxesha. Ngeendlela ezizinzileyo kwaye ezinokuthi zibe yindawo yokubalekela kwezona meko zoqoqosho zimbi.

Nangona kunjalo, ezi mali zotyalo-mali zifuna ingqalelo ekhethekileyo kwicala lakho. Esinye sezizathu sivela kukugqithisa kwexesha elidlulileyo. Nangona, kwiimeko ezininzi, behamba phantsi ukugcinwa kokuphakama. Kusenokwenzeka ukuba imeko yakho intle kwaye iphelile ukuba uvule izikhundla kwenye yezi mveliso zemali. Nangona unesibonelelo esingaphezulu kwesinamandla kwaye unokwenza ngokusesikweni kwibhanki yakho yesiqhelo nangaphantsi kwekhomishini yesiqhelo.

Ungenza ntoni ngamanzi?

buchule

Kwimeko nayiphi na into, olu lwelo olunamandla lubonakaliswa ngu izisa uxolo lwengqondo Ngamaxesha obunzima kwiimali ezilinganayo. Kuba, enyanisweni, awuyi kuba nantlukwano kumaxabiso amaxabiso, kuba bahamba phantsi kwemida emxinwa kakhulu kwaye kuzo zonke iimeko ezingaphantsi kwezo zinikezelwe ngamanye amacandelo. Kodwa nangayiphi na imeko, ukungenisa le migca ilandelayo yesenzo kuya kuhlala kuluncedo. Ezi zezinye zezona zichaphazelekayo.

  1. Bavelisa isithembiso esibaluleke ngakumbi kunokuba ungacinga kwasekuqaleni. Into oza kuba nayo iindlela ezahlukeneyo ukwenza igalelo lakho lemali lenze inzuzo kwiindlela ezahlukeneyo nezicwangciso zotyalo-mali.
  2. Amanzi ayisiyomali yexabiso uphawu lokujikeleza kwaye ke inokusetyenziselwa yonke imeko yoqoqosho lwamanye amazwe. Ngokungafaniyo nezinye izindululo ezihlengahlengiswe ngakumbi kumjikelo wezoqoqosho. Uya kuhlala unazo nanini na.
  3. Lutyalomali olunokuba ngaphezulu Inenzuzo kwixesha eliphakathi nelide, leliphi elona xesha licetyiswayo ukuba ufuna ukuthatha indawo emanzini. Zombini ekuthengweni ngokuthe ngqo nasekuthengisweni kwezabelo nakwizimali zotyalo-mali ngokusekwe kula mandla.
  4. Ukuba into oyifunayo kukwenza imisebenzi yokuqikelela, kuya kuba ngcono ukujonga ezinye iiasethi zemali ixesha elide kwixesha elifutshane. Hayi ngelize, i buyela Eziza kuthi zivelise kulondolozo lwakho ziya kuba zanele ngokwaneleyo kwimidla yakho njengomtyali mali ophakathi nophakathi.
  5. Elinye lawona macebo asebenzayo onawo kukuba yongeza ngamanzi imisebenzi yakho ephambili kwiimarike zezemali. Iya kuba yindlela yokukhusela ngokufanelekileyo izikhundla zakho kwii-equities kunye nengeniso esisigxina.
  6. Unokhetho olukhulu lokuthenga kwiimarike zamanye amazwe kunakwilizwe. Ngokunikezelwa kwesibonelelo esahluka-hlukeneyo ngohlobo lwezicwangciso ezohlukeneyo ezisekwe kula mandla afunekayo kubemi.
  7. Ukuba kuya kufuneka ukhethe imveliso yezemali eyamkela ikakhulu olu tyalo mali, ezo azikho ngaphandle kwe mali mali. Akumangalisi ukuba aqokelelwe ngabaphathi ababaluleke kakhulu kwezi modeli zenzelwe ukutyala imali.
  8. Zisekwe kwimisebenzi engekho semthethweni ukufumana inzuzo enkulu, kodwa ngokuchaseneyo baya kukuvelisa ukubuya okuthozamileyo kunezinye ii-asethi eziyimali. Ijolise kwiprofayili yotyalomali kunye notyekelo lokugcina kwaye ngubani angafuni ukuthatha umngcipheko ogqithileyo.
  9. Las uqikelelo Chaza ukuba ibango layo liza kunyuka kule minyaka izayo. Isenokuba sisiqwenga solwazi ukuba kulo nyaka sikumema ukuba ube namathuba amakhulu okwenza imisebenzi kwimarike yemasheya okanye ngezinye iimveliso zezemali.
  10. Los Iimali ezidwelisiweyo Baqokelela le misebenzi. Ngokusebenzisa imodeli ye-hybrid edibanisa ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya kunye notyalo mali. Ukuze ukwazi ukuthatha ithuba lezibonelelo zezi mveliso zimbini ukusukela ngoku.

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