Enye yeenzuzo zotyalo-mali kukuba inokwenziwa kwizicwangciso ezahlukeneyo. Ukusuka kwesona siko lesiqhelo ukuya kolona hlobo lwentsusa kunye nolutsha olunokumangalisa umsebenzisi ongaphezulu kwesinye. Kodwa ke, enye yezona zinto ziphakanyiswayo zezona zinenjongo yendalo. Ukongeza, inokuhanjiswa ngeemveliso ezahlukeneyo zemali, ngaphandle kokukhawulelwa ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Ngayiphi na indlela, yenye into ekufuneka uyenzile ukuze wonge imali ukusukela ngoku.
Enye yezinto ezinomtsalane zokungenisa le modeli yotyalo-mali kukuba unokunceda nokusingqongileyo ngokusebenzisa igalelo lakho lezemali. Ukuya kwinqanaba lokuba iphindaphindeka ngakumbi imveliso yezezimali yezi mpawu. Ukusuka kuzo zonke iindlela, njengoko uza kuba nakho ukuqinisekisa ukusukela ngoku. Kungenxa yokuba i-ecology ibe yinto yexabiso enokuba luncedo kakhulu. Yintoni egqithisile, ilungele iimeko ezithile ukuba iimarike zemali zinokuphuhla.
Isithembiso sokutyala ilifa lakho kwilifa lezinto eziphilayo sigubungela ezingenakubalwa amathuba. Ukusuka kutyalo-mali lwentengiso yeklasikhi ukuya kwezinye iifomathi ezithile, ezinje ngedipozithi yekota kwaye ngakumbi imali yotyalo-mali. Indlela entsha ivula ukuze ukwazi ukudibanisa umhlaba wotyalo-mali kunye nendlela yakho yokuqonda ubomi. Ukuze ufezekise ezi njongo zinqwenelekayo, siza kukunika ezinye zezindululo ekubonelelwa ngazo ziimarike zezemali ezahlukeneyo. Ngokuqinisekileyo ezinye zazo ziya kutsala umdla omkhulu.
I-ecology engxoweni
Njengoko ayinakuba ngaphantsi, i-ecology ikwakhona kwiimarike ze-equity. Nangona kuyinyani ukuba ukusukela kwindlela encinci yokujonga ngokubhekisele kwamanye amacandelo. Imelwe ikakhulu ziinkampani zamandla ezivuselelekayo kwaye zibonisa iindlela ezininzi. Zombini kwizabelo zamazwe kunye nakwiimarike zamanye amazwe. Uninzi lwazo luvela iinkampani zombane ukuzama ukuziqhelanisa nezi modeli zeshishini. Ngokwamkelwa okubalulekileyo ngabatyali mali abancinci nabaphakathi.
La maxabiso abonelela ngegalelo elongeziweyo elenza ukuba linomdla kakhulu kuzo zonke iiprofayili zotyalo mali. Ukusuka kwezona zinoburharha kwabo bafuna iindlela ezizinzileyo ngakumbi. Okwangoku imbuyekezo ayisiyonto ibalaseleyo. Kodwa ngokuchaseneyo, bahamba phantsi kwemida eqhelekileyo. Apho enye yeenkampani ezikhethe kakhulu ukufumana amandla ahlaziyiweyo Iberdrola. I-state-of-the-art xa kufikwa ekusebenziseni la mandla amatsha.
Iimveliso zendalo eMelika
Enye indlela kukuwela ulwandle uye kwii-equities zase-US. Kuba, enyanisweni, kwezi nkampani zibalulekileyo zentengiso yemali ezinxibelelene ngokusondeleyo kwihlabathi lendalo zidwelisiwe. Apho amaxabiso okutya kunye neemveliso ezibonelela ngolu phawu lubalulekileyo. Apho amanqanaba enzuzo kutyalo-mali anokuphuculwa. Nangona le misebenzi iya kubandakanya okuninzi ukwanda kweekhomishini isetyenziswa ngamaziko emali.
Ukuba ungumxhasi we ecology, akukho mathandabuzo ukuba kule marike ye ngeniso ekhoyo uya kuba namathuba amakhulu okuphucula imbuyekezo kulondolozo lwakho. Nokuba kwizindululo ezinxibelelene ngokusondeleyo kubuchwephesha obutsha. Ngokuchasene noko, isiphoso sabo esikhulu silele kwinto yokuba baya kuba ngamaxabiso amancinci awaziwayo kwaye abayi kukuvumela ukuba uchonge ngokucacileyo iinkampani ezikhethe le modeli yeshishini ikhethekileyo. Zikho nakwiimarike zaseYurophu, kodwa ngaphandle kwamandla eemarike zaseMelika.
Iimali ezizodwa zotyalo-mali
Ngayiphi na imeko, eyona mveliso ibonakalisa lo mkhwa yenye yeemali zotyalo mali. Yeyona ndlela ilula yokuzibeka kweli candelo litsha. Kwiimeko ezininzi ngeenkampani ezixhasa ezopolitiko ngoncedo lokusingqongileyo. Kodwa nangeeasethi zemali ezisekwe kwi amandla acocekileyo nacocekileyo. Njengakwimeko ethile yamanzi okanye imithombo yomoya. Olona khetho luqhelekileyo phakathi kwabatyali mali abancinci nabaphakathi ukuzibeka ngokucacileyo kwicandelo lezinto eziphilayo.
Hayi kuba beziingxowa-mali zendalo zinenzuzo ngakumbi kunezinye. Endaweni yokuba inxulumene nokuvela kwezinto zexabiso kwiimarike. Ngale ndlela, kufuneka kukhunjulwe ukuba kunyaka ophelileyo umyinge wenzuzo yezi mali zotyalo mali isondele kwi-8%. Nangona bengasoloko bebonisa iipesenti ezifanayo, njengoko kusengqiqweni ukuba ungaqonda. Nokuba yeyiphi na, yindlela enomdla kakhulu yokuzibeka kwi-ecology ngaphandle kwengxaki ezigqithisileyo kwaye ngendlela elula.
Iimali zotyalo-mali zezi mpawu zinikezelwa ngabaphathi ababalulekileyo kwintengiso. Iimodeli ezidibanisa utyalomali kunye nezinye iiasethi zemali. Ngokubanzi kwii-equities kunye nengeniso esisigxina. Ukuze ngale ndlela, ukwimeko ezintle zokutshintsha iiasethi otyalomali. Eyilelwe ngokukodwa ukuze ukwazi ukuziqhelanisa nazo zonke iintlobo zemeko, kubandakanya neyona nto ingathandekiyo kwiimarike zezemali.
Iirhafu ezinxulumene neli candelo
Unokukhetha okungakumbi ekunxibelelaniseni ukonga kunye nendalo. Enye yezona zinto zixhaphakileyo yimbonakalo yedipozithi yekota, kodwa kule meko inxulunyaniswa nale asethi yemali ikhethekileyo. Isicwangciso sokuphucula inzuzo ebuthathaka enikezelwa zezi mveliso okwangoku. Ukuze udlule kwinqanaba le-1% kwimirhumo oyenzayo ngezi modeli zokonga. Yintoni egqithisile, umngcipheko uya kuba sezantsi kakhulu kunaleyo yezinye iimveliso zemali, Ngokubanzi inxulunyaniswa namashishini.
Ngayiphi na imeko, uya kufumana imbuyekezo rhoqo ngonyaka. Ngamagama ahlukeneyo okusisigxina ukusukela ukusuka kwiinyanga ezili-12 ukuya kuma-48 ubuninzi. Nangona kunjalo, awuyi kuba nakho ukurhoxisa irhafu emngciphekweni wokuhlawula ikhomishini ebiza kakhulu eyi-2% kwimali ebekiweyo. Ukhuseleko yenye yezona zinto zixhaphakileyo kule mveliso ingeniso esisigxina ehlengahlengiswe kuzo zonke iintlobo zokugcina. Apho iprofayile yokuzikhusela ngakumbi iphambili apho uzinzo lokonga lukhona ngaphezulu kwezinye izinto ezinoburharha. Unokuziqesha ezi dipozithi kwixabiso eliphantsi kakhulu kuyo yonke imizi, ukusuka kwi-3.000 euro.
Ngokusebenzisa imali ethengiswayo
Ii-ETFs zikwabonelela ngethuba lokuhlangabezana nale mfuno kubatyali zimali abancinci nabaphakathi. Kodwa ukusuka kwiindlela ezinobundlongondlongo kuba le mveliso iyi hlanganisa phakathi kweemali zendabuko kunye nokuthengwa nokuthengiswa kwezabelo. Oku kuthetha ukuba imida yenzuzo inokuphakama kunezinye iindlela esikufundise zona. Ngayiphi na imeko, ulwazi olukhulu ngakumbi luyafuneka ngenxa yokuntsokotha kwale modeli yokonga. Kuba kwelinye icala, unokushiya ii-euro ezininzi endleleni.
Njengakwimali edibeneyo, ezi fomathi zihlala zityala imali kwiiklasi zamandla eziluhlaza. Nangona kule minyaka idlulileyo zonke iimodeli zotyalo-mali ezinxulunyaniswe namandla ahlaziyekayo ziyakhuthazwa. Enye yeenzuzo zale mali yokurhweba ngotshintsho kukuba zilungelelaniswe phantse lonke ixesha lamaxesha. Ngelixa kwelinye icala babonisa iikhomishini ezinokhuphiswano ngakumbi kunolo lwenziwe kwiimarike zezabelo. Nangona kunjalo, yimveliso yezemali entsonkothe ngakumbi kunezinye.
Izikhokelo zokwenza izinto ngezinto eziphilayo
Ukuba uza kukhetha olu khetho, awuzukukhetha ngaphandle kokwazi ukuba akufuneki utyale imali ukuze ufumane indalo. Kodwa ngokuchaseneyo, isigqibo sakho kufuneka sisekwe kwiinjongo zokufumana inzuzo. Kwelinye icala, sukubonelela ngembuyekezo ephezulu okanye esezantsi kwimidla yomxholo wabo. Ngokuchasene noko, iya kugqitywa lolunye uthotho lwezinto ezihambelana nokunxibelelana kweemarike zezemali. Kukho nzima ngakumbi ukulandela kuba zivela kwezinye iindlela zentengiso ezingabonakali ngokubanzi kwimithombo yeendaba.
Enye into ekufuneka uyithathele ingqalelo lelo libhekisa kwithuba lotyalo-mali. Kuba, ayilotyalo-mali lwexeshana, kodwa ngokuchaseneyo, inokusetyenziselwa nayiphi na imeko kwiimarike zezemali. Zombini ezandayo kwaye ezingathandekiyo kwimidla yakho njengomtyali mali ophakathi nophakathi.
Akumangalisi ukuba kwiimeko ezininzi kuya kuxhomekeka kwindaleko yokwenyani yezi asethi zemali. Ukuya kuthi ga kwinqanaba lokuba uya kuba nengxaki enkulu ngakumbi yokuthwala ubunzulu ukulandelela izikhundla ezivulekileyo Nasiphi na kwezi zindululo. Kukwabaluleke kakhulu ukuba uyazi ukuba iindlela ezinikezelwa ziimarike zamanye amazwe zibanzi kunakwintsimi yethu. Kuba ekupheleni kosuku zininzi iingcebiso onokuzikhetha ukuba uza kutyala inxalenye yelifa lakho kwindalo.