Itekhnoloji entsha lolunye lwezinto onokukhetha kuzo ukwenza ukuba ulondoloze imali yakho kwii-equities. Nangona ufuna ukuyenza kwiimarike zesizwe ngokungathandabuzekiyo uya kuba nengxaki enkulu ukwanelisa umnqweno wakho wotyalo-mali. Eli candelo liye laba yenye yeenkokheli kuzo zonke iimarike zamazwe ngamazwe. Ngokusebenzisa iinkampani ezinemodeli zeshishini zazo ezisekwe kwi inkqubela phambili kwezobuchwephesha.
Ukuba kukho icandelo elitshintshe ubume bezabelo, ayikho enye ngaphandle kwetekhnoloji entsha. Ukuya kwinqanaba le yenza ii-indices ezintsha zesitokhwe elo qela iinkampani eziveza ezi mpawu. Zimelwe kwiindawo zotshintshiselwano ngeempahla e-United States, Japan, China, Germany kunye nenxalenye entle yeendawo zotyalo-mali. Kwezi iimarike Unokurhweba ngokuthatha izikhundla ngeli klasi likhethekileyo kwiinkampani.
Ukufika kwala maxabiso kungqamene nokufika kwezi modeli zeshishini. Ifakwe kwilizwe lotyalo-mali. Apho ungasele uthengile kwaye uthengise izabelo zezi nkampani ukuze ufumane izibonelelo patrimony. Okulandelayo, siza kukunika zonke izitshixo eziyimfuneko ukuze ukusukela ngoku uzokutyala imali oyigcinileyo kumaxabiso obuchwephesha obutsha.
Itekhnoloji entsha: amanqaku
Iinkampani ezinikezelwe kwezi modeli zeshishini zinazo Iimarike ezininzi ze-niche zivela phi. Iikhompyuter, izinto, uthungelwano lwasentlalweni, i-intanethi, iipheripherali kunye nezixhobo zokusebenza phakathi kwezona zibalulekileyo. Iinkampani ezisandula ukwenziwa ezisekwe, ngaphezulu kweziphumo zeshishini labo, kulindelo abanokuluvelisa. Ngenxa yolu lwazi lubalulekileyo, kuyinto eqhelekileyo ukuba ukunyuka kwamaxabiso kube phezulu kakhulu. Ngaphezulu kokuboniswa ngamanye amacandelo emarike yemasheya.
Yenye into ebonelelwa ngamashishini anokulingana ukuze ufumane okubalulekileyo izibonelelo kwimisebenzi yakho. Kodwa ngenxa yesizathu esinye unokushiya i-euro eninzi endleleni. Umngcipheko ochaphazelekayo ekuhambeni kwabo uphezulu kakhulu. Ukuza kuthi ga kwinqanaba lokuba ungaphulukana nenxalenye yemali oyityalileyo. Awunakukhetha ngaphandle kokusebenza ngononophelo kunye nemisebenzi yokulinganisa ukusuka kumzuzu wokuqala.
Ezi ziinqobo ezingasetyenziswanga kuzo zonke iiprofayili zabatyalomali abancinci nabaphakathi. Kodwa, ngokuchaseneyo, abanamava kakhulu iya kuba ngabo abaya kuthi baphume kwimisebenzi yabo. Yenziwe njengenketho onakho ukuyifumana Ncedisana nolunye utyalomali. Ngaphandle kokutyala imali eninzi, okanye ubuncinci eyona nto ibalulekileyo kwingxowa-mali yakho yokonga. Kukulungele ukuba uyithathele ingqalelo ukusukela ngoku ukuya phambili ukuze ungenzi ukungakhathali.
Ungathengisa phi?
Umbuzo wokuqala oza kuzibuza kuwo kukuba zeziphi iimarike onokuzihambisa kwezona zinto zikhethekileyo. Ewe, ngaphakathi phantse wonke umntu ehlabathini, kodwa umahluko omncinci omncinci kuya kufuneka uyazi ngoku. Ukuba ufuna ukuya kwintengiso yesitokhwe ngesibonelelo esibalulekileyo nesahlukeneyo sokhuseleko, kuya kufuneka uphume ngaphandle kwemida yethu.
Zeziphi ezona ntengiso zilinganayo ezifanelekileyo kubuchwepheshe obutsha? Ngaphandle kwamathandabuzo iNorth America kunye neJapan, apho uza kufumana izindululo ngayo yonke indalo. Nokuba iyintsusa ngokuqinisekileyo ngenxa yokutsha kwamashishini abo. E-United States, kukho iparadesi kolu tyalo-mali ngokusebenzisa isalathiso sayo sesitokhwe. Ingaba u NASDAQ, apho phantse zonke iinkampani ezinolu hlobo lweshishini zimelweyo.
Kuya kuba nzima kakhulu kuwe ukuba ukhethe ixabiso elinye ebusweni bobukhulu bezindululo. Abatyalomali abafuna ukutyala imali kubuchwephesha obutsha bakhetha le ndawo ukuya kuyo ukuze bafumane imali yabo. Nangona kunjalo, inengxaki xa kuthelekiswa neemarike zasekhaya. Ayikho enye into ngaphandle kokubonisa iikhomishini ezibanzi ngakumbi. Bayakwenza ukuba imisebenzi ibize kakhulu kuba bamele iintlawulo eziphindwe kabini kwimali oyihlawulayo kwimarike yaseSpain.
Iimarike zaseYurophu
Kwilizwekazi, ezona zibonelelo zibalaseleyo kwintengiso yemasheya zivela kwiimarike zesitokhwe zaseJamani naseNgesi. Ngaphandle kokufikelela kwinqanaba laseMelika, banikezela ngokukhetha okwahlukileyo kwamaxabiso ezi mpawu. Nangona kungazukuba lula ukuzikhetha nazo. Eyona ngxaki inkulu onokuthi ungene kuyo yile amagama abo akunakukhala intsimbi. Ke ngenxa yoko awuyi kuba nesalathiso kwiingxelo zabo zengeniso. Iya kuba kukusilela kwemali kuya kufuneka uyicinge ukuba uyafuna ngokwenene ukuvula izikhundla kwezinye zezi nkampani.
Enye into ekufuneka unomdla ngayo malunga nokhetho onalo kutyalo-mali kukuba kuya kufuneka uyazi ukuhamba kwayo kwimarike yemasheya. Ayothusi into yokuba balawulwa ziikhowudi zokucaphula ezinophawu. Izabelo zakho zinyuka zisihla ngamanye amaxesha. Ukuya kwinqanaba lokuba imizobo yayo zikhangeleka njengezilayidi zokwenyani kwiintsuku ezimbalwa. Kuyinyani ukuba kunzima ukusebenza kwezi meko, kodwa ubuncinci kuya kukunceda ekusebenzeni kwangaphakathi, oko kukuthi, kwenziwa kwangolo suku lunye.
Kuthekani ukuba ndifuna ukutyala imali eSpain?
Kule meko, iimfuno zakho ziya kuba nzima ngakumbi ukuzalisekisa. Inkcazo ibangelwa yinto yokuba bambalwa kakhulu iinkampani zetekhnoloji entsha ezisebenza kwizabelo zaseSpain. Zimbalwa zamaxabiso, kwaye ayibalulekanga kangako. Ezi ziinkampani ezincinci, ezincinci ezithi zihambise izitokhwe ezimbalwa kwiimarike yonke imihla. Kwakhona, uninzi lwezi nkampani zivela kwii-indices ezisezantsi ezingabonakalisi kakhulu kwimarike yethu yesitokhwe.
Kungenxa yokuba zidityanisiwe Enye indlela yokuThengisa (MAB) kulapho ke ezokhuseleko sele zikhutshiwe zidwelisiwe. Ngamashishini angenayo kwaye uninzi lwezibonelelo eziphantse zangabikho. Okanye yintoni ebaluleke kakhulu ngetyala elibaluleke kakhulu elinokutsala kuphuhliso lweshishini lakho. Njengoko ubona, akukho lula kuwe ukuba ufuna ukufezekisa iinjongo zakho zokutyala imali kubuchwepheshe obutsha kwimarike yesitokhwe sikazwelonke.
Uya kuba nesibonelelo esihle kuphela sokuba izise iikhomishini ezikhuphisanayo ngokunxulumene nezinye iimarike zezemali zamanye amazwe. Ngenxa yoku, uya konga imali kwimisebenzi yokuthenga nokuthengisa izabelo. Ngokuchongwa okukhulu kweemodeli zeshishini ezinikezelwe kwezi nkampani. Kodwa nangayiphi na imeko, ngaphandle kwesithembiso esinomtsalane nakweyiphi na imeko.
Lubekwa njani olu xabiso?
Ukhuseleko kweli candelo lezemali ligcina iimpawu ezichazwe kakuhle. Ukuguquguquka kulawula yonke into oyenzayo. Ngezinye iindawo eziphakamileyo kunye nezisezantsi kwikoteyishini yamaxabiso abo agqithisileyo. Banokufikelela kwiseshoni enye yokurhweba Umahluko ukuya kuthi ga kwi-10%. Eyona nto igqithisileyo kwezinye iimeko. Kunzima kakhulu ukusebenza nolu hlobo lokhuseleko. Ngokukodwa ukuba awunamava ubuncinci.
Baye bahluka kuba zilola iintshukumo zazo, ngandlel 'ithile. Ukuba iimarike zentengiso zinyuka, amaxabiso ezobuchwephesha ayenza ngumahluko omkhulu, kwaye kungenjalo. Kufuneka ithathelwe ingqalelo ukuba ufuna olu hlobo lotyalo-mali ukusukela ngoku. Olu tshintsho lwamaxabiso makhulu luncedo kakhulu ukuba ufuna ukufumana inzuzo eyinkunzi. Kodwa kuyonakalisa kakhulu kwelinye icala. Awuyi kuphumla kulo naluphi na utyalo-mali olwenza lube semthethweni.
Ukuba amaxabiso obuchwephesha obutsha avele into ethile, kungenxa yokuba zibuthathaka kakhulu kwimijikelezo yezoqoqosho. Kwiimeko ezibanzi baqhuba ngcono kunentengiso. Kwaye ngamaxesha okwehla kwamandla emali, kubi kakhulu. Umahluko obaluleke kakhulu kunye nabanye abakhuphisana nawo kwiimarike zezabelo. Esi siganeko sibangelwa yinto yokuba zisekwe kulindelo lweshishini kunakwinyani kwimigangatho yeshishini labo.
Izicwangciso ezifanelekileyo zokuthengisa
Ngayiphi na imeko, ukuba uqhubeka ucinga ngokuvula izikhundla nakweyiphi na kwisitokhwe sayo, ayizukulimaza ukuba usebenzisa imigaqo yokuziphatha eya kuba luncedo kwezi meko. Baza kuqala kwezi meko zilandelayo esikubhengeza zona ngezantsi.
- Sukunyanzela lonke ulondolozo lwakho kwezi ntlobo zokusebenza. Kodwa baya kukutyala sebenza njengomphelelisi kolunye utyalo-mali olwenzileyo ngokusebenzisa ipotifoliyo yakho yezokhuseleko.
- Kuya kufuneka uthathe ithuba iimeko ezibanzi ukuqala imisebenzi kwicandelo lobuchwepheshe. Ayothusi into yokuba inqanaba lomngcipheko liza kuncipha ngamandla.
- Gxila kuphela kwi amaxabiso anamandla ngakumbi kwaye unokubonga ngokubanzi. Ukuyeka iinkampani ezinikezela ngamathandabuzo amaninzi kuphuhliso lweemodeli zazo zolawulo.
- Nokuba ukude kufuneka uvule izikhundla ngaphandle kokukwazisa ngaphambili ngobume benkampani. Kungenxa yokuba unganakho ukumangaliswa okungaphezulu kwesinye ukusuka ekuqaleni kotyalo mali kwezi marike.
- Ukuba uzimisele ngokwenene ukwenza lo mnqweno wobuqu ukuba uzaliseke, kungcono uwenze ube semthethweni. ngaphandle kwemida yethu. Apho uya kuba namathuba ngakumbi ukuhambisa ukonga kwakho, ngezindululo zazo zonke iintlobo.
- Njengesicwangciso sotyalo-mali esinokusetyenziselwa ixesha elifutshane kakhulu lokuhlala, kwangalo mini. Kodwa akunandlela kangangeminyaka emininzi, njengakwelinye icala wenza nezinye iintlobo zamaxabiso.
- Sukucwangcisa imisebenzi ethe cwaka kwasekuqaleni. Ukusukela oscillations baya kuhlala bephawula ukuvela kwamaxabiso. Unokuphumelela ngenye imini, kwaye uphulukane nayo yonke into elandelayo.
- Awuzukukhetha ngaphandle kokwenza i phantse yonke imihla ukujonga amaxabiso akho, kuba olu hlobo lotyalo-mali lufuna imisebenzi ekhawulezileyo ngokwemiyalelo yokuthengisa. Okanye ukuthintela ukuwa okunzulu ngakumbi ngenxa yokuqina kwayo.
- Okokugqibela, kuyacetyiswa kakhulu kwicala lakho ukuba Sukusebenzisa gadalala le misebenzi kwintengiso yemasheya. Zininzi iingozi ovezwa kuzo. Awunakukhetha ngaphandle kokukhusela imali yakho kuzo zonke iimeko