Gcina imali yakho oyigcinileyo kwiwayini, ngoba kutheni?

Ekuqaleni isenokubonakala ngathi kukugabadela okuthile, okanye okubi ngakumbi, umbono onophawu oluncinci lokuba yinyani yokutyala imali. Kodwa inyani yile iwayini inokuba lolunye uhlobo kutyalo-mali lwakho kwaye ufumane imbuyekezo ebalulekileyo kwimali oyongileyo, ingakumbi ejolise kwixesha elide. Ngayiphi na imeko, iya kuba lolunye ukhetho ekufuneka ulungenisile kwiimarike ze-equity. Ewe kunjalo, ukusuka kwinqanaba ngokuqinisekileyo yokuqala, kwaye nokuba nezinto ezintsha.

Olunye uncedo oluza kukuzisela olu hlobo lotyalo-mali, njengoko uza kuba nakho ukuqinisekisa kweli nqaku, kukuba uya kuba nesixhobo esingaphezulu kwesinye sokuhambisa iminqweno yakho yokwandisa ubutyebi bakho. Ayisiyiyo kuphela ngokuthengwa kwezabelo ngokuthe ngqo kwintengiso yesitokhwe, kodwa ngezinye iimarike ezincedisayo. Kwaye konke oku, ukusuka kwi-asethi ezinzileyo yemali, ekunqabileyo ukuba ichaphazele ukuhla okukhulu kumaxabiso ayo.

Ewe, ukusukela ngoku ukuya phambili, iwayini ayizukutya nje okumnandi, okanye ukuchitha ubusuku obonwabisayo neqabane lakho. Kwakhona iya kukunceda uyile ipotifoliyo yotyalo-mali eyahlukeneyo, kwaye ayisiyiyo eyayo imvelaphi. Ayisiyiyo kuphela abatyali mali abancinci nabaphakathi ukujika izinto zabo kule mveliso, kodwa abaphathi ngokwabo balungiselela iimali zabo kwesi siselo, kwaye nangoyilo oluthile.

Ukongeza, unokukhuthazwa yinto yokuba iwayini ayiloxabiso le-cyclical, kwaye inokwenza ngokukuko nakweyiphi na imeko yezoqoqosho, kwanakumaxesha aphindaphindeneyo. Ukubanakho ukuhambelana njengexabiso elikhuselekileyo lamaxesha amancinci angalinganiyo. Ukusuka kule ndawo yokujonga, uyakuba nembono entsha ngala maxesha xa imarike yemasheya iwela kwii-indices zayo, kwaye awazi ukuba ulindele ntoni ukwenza ulondolozo lwakho lube nenzuzo.

Iindlela ezahlukeneyo zokutyala imali

Ukuba uzimisele ukubuguqula ubutyebi bakho buye kule asethi yemali inomdla, ngokuqinisekileyo amathuba awayi kusilela kwiinyanga ezizayo, nangaphezulu kunokuba ubucinga ekuqaleni. Ngenjongo, kwelinye icala, yokufumana ngakumbi kwimali oyigcinileyo. Kuya kufuneka uyazi eli shishini niche, kwaye ukhethe ezona modeli zotyalo-mali zifanelekileyo kwiprofayili yakho njengomgcini. Ukukunceda, ukusukela ngoku kuya kufuneka ube nethamsanqa elincinci kwiimarike, kwaye uvelise ubuninzi beenzuzo ezinkulu.

Ewe, eyona ndlela yoqobo ekufuneka uyiphuhlisile le nyathelo kukudala iwayini encinci kwikhaya lakho, okanye kumhlaba othengwe kutshanje. Nangona kunjalo, iya kuba ngumsebenzi onzima, kuba wena kuyakufuna iminyaka emininzi yokuzinikezela, ngaphezu kokuba ucinga, kodwa ngomvuzo omkhulu ukuba ufezekise iinjongo. Ayothusi into yokuba ukuphononongwa kwakhona kuqinisekisiwe, kwaye uya kuba nakho ukufumana imbuyekezo eyonwabisayo kolu nikezelo lukhethekileyo unalo.

Ukuba ekugqibeleni ukhetha le mbono yoqobo, uya kuba nengxaki enkulu yexesha elide eliya kufuna lo msebenzi, kunye nolwazi olunzulu ngecandelo. Intoni Ukuqwalaselwa kuya kukuvumela ukuba ube ne-asethi yemali ngaphandle kokugqithiswa kwemali. Ingade ikukhokelele kwii-adventures ezomeleleyo kweli candelo leshishini.

Ukuthenga ukhuseleko kwimarike yemasheya

Eyona ndlela ethe ngqo yokwenza ukuba olu tyalo-mali lube semthethweni, kwaye ingenzeka njani enye into, iya kuba kukuvezwa kwimarike yemasheya. Ngokusebenzisa ukhuseleko oludweliswe kwii-indices zayo. E-Spain awunazikhetho ezininzi, kodwa ubuncinci uneenkampani ezimbalwa ezinikele kwimveliso yewayini. Zonke ziya kuhlangabezana nolindelo lwakho.

Kuluhlu lwezokhuseleko oludweliswe kwiimarike zemali ngaphandle kokuqhushumba okugqithisileyo. Ngenxa yazo, ungalindelanga uhlaziyo olukhulu, kodwa hayi ilahleko ebhengezwe kakhulu nokuba. Ayothusi into yokuba uzinzo lwamaxabiso abo zezona ziqhelekileyo kubo bonke. Ngemigca yeshishini ngokuqinisekileyo esekwe iminyaka emininzi.

Ngapha koko kwiimarike zamasheya zamanye amazwe uya kufumana amanye amathuba Ukutyala imali kule klasi yeenkampani. Ngokukodwa eMntla Melika, isiFrentshi okanye isiTaliyane eso sibonelelo siya kuba banzi, kwaye sinokudibanisa. Ngesithembiso esinokwanelisa umnqweno wakho wokusebenza nala maxabiso. Ukuya kwinqanaba lokuba kungazukubeka ngxaki zigqithileyo ukuba uzibhaqe.

Iimali ezizimeleyo zotyalo-mali

Uya kuba nazo nezinye izixhobo zotyalo-mali, apho ungalathisa khona ukonga kwakho, ngaphandle kwemizamo egqithileyo. Eyona nto ixhaphakileyo ivela kwingxowa mali yotyalo mali esekwe kule asethi yemali. Ukuze kube njalo, iinkampani zolawulo zenze uthotho lweemali ezilawulwa zezi zinto, kwaye oko kubonakalisiwe kwiimveliso ezithile zentsusa onokuzikhetha, ukuba unqwenela njalo.

Akusiyo imfihlo ukuba kule minyaka idlulileyo uluhlu olutsha lweemali zotyalo-mali luphunyezwe ngewayini njengoyena mntu uphambili. Le yimibhobho esemgangathweni ephezulu zivela kwizidiliya eziphambili zaseMelika, eFrance okanye e-Itali. Nangona kuyinyani ukuba aziwa kakhulu, banikezela ngembuyekezo yomndilili enomdla kakhulu, kwaye kwezinye iimeko bade bagqithise kwezo zezezimali ziqhelekileyo.

Abaphathi abangakumbi nangakumbi bajika bajongana neli shishini likhethekileyo, becebisa abathathi-nxaxheba kwizimali zezona zindululo zokuqala ukuze baphuhlise iphothifoliyo yabo indlela engaqhelekanga kude kube yiminyaka embalwa edlulileyo. Ngaphezu koko, baqhutywa yingcebiso yabahlalutyi abaninzi bezezimali, abababona njengokhetho olucacileyo lokwenza ukonga kunenzuzo.

Ngomhla ka-Matshi Vini Catena okanye kwi-Blue Chip Winery Funf zezinye zeemali eziphakanyisiweyo ngabaphathi ukuba bamkele lo mceli mngeni. Zijolise ikakhulu kwiinkampani zokuhambisa, ukuvelisa iiwayini, iinkampani zezolimo okanye ishishini lewayini elingumncedisi. Kodwa umtyalomali unokuthenga iwayini ephathekayo, kwaye enze ivenkile yabucala ethobekileyo eya kuthi inyuse iiasethi zakhe kwiminyaka edlulileyo.

Ukongeza, kwiingxowa-mali zezi mpawu unako Ukwahlula utyalo-mali ngokudibanisa nezinye ii-asethi eziyimali. Ukuza kumvuzo omiselweyo kunye nokwahluka, oko ke kunciphisa ukwehla okunokubakho ngexesha elithile. Ukunikezela kule minyaka idlulileyo uzinzo olukhulu kwixabiso lokhuseleko lwayo, nangaphezulu kweyona mali isezantsi yokuzikhusela.

Izitshixo ezisibhozo zokutyala imali kwiwayini

Njengolu hlobo lukhethekileyo lotyalo-mali, lifuna ulwahlulo olwahlukileyo kwicala labatyali mali abancinci nabaphakathi. Ngenjongo ecace gca, ekungekho enye ngaphandle kokwenza ukonga kunenzuzo, kwaye ngokuyinxalenye bakhusele kwizinto ezingaqinisekanga ezinokuvelisa iimarike zezemali.

Ukusuka kulo mzuzu kanye, ukuba injongo yakho kukukhetha le modeli yotyalo-mali, kuya kufuneka uthathele ingqalelo ukuba uza kusebenza njani na nale asethi yemali, kwaye ungenise ngaphakathi izibonelelo ezibandakanya ukuqeshwa kwayo. Nangona, ngaphezulu kwako konke, kuya kuba kubaluleke kakhulu ukuba uyazi ukuba eli candelo loshishino liqulathe ntoni, xa kufanelekile ukuthatha isikhundla kuyo, okanye ngokulula umahluko ohleli phezu kweefomathi eziqhelekileyo.

Ukukunceda uphuhlise ipotifoliyo yakho yotyalo-mali, sikunika into elula kakhulu, kwaye kwangaxeshanye, iingcebiso ezisebenzayo eziya kwenza lo msebenzi ube lula kuwe. Awunakukhetha ngaphandle kokulandela, ngendlela eqeqeshekileyo, ezinye zezi ndlela zilandelayo zichazwe kweli nqaku, ukuba ufuna ukuxhamla kwezinye zeenzuzo eziphambili zokukhuthaza ukonga kwakho.

Amathuba okuphuhlisa iindlela zakho zotyalo-mali aya kuba sezantsi kakhulu, kodwa nangona kunjalo Uya kuba noluhlu oluhle lwezindululo Ukwanelisa iimfuno zakho, kunye neemodeli zotyalo-mali ezahluke ngokupheleleyo.

1. Yiyo ngokuqinisekileyo i-asethi ezinzileyo yemali ezinokuba luncedo kakhulu kumaxesha okungazinzi kwezoqoqosho, kunye nakwimarike yemasheya. Ingakumbi ukuba iyancedisana nezinye iimveliso, ezivela kuzo zombini ii-equities kunye nengeniso esisigxina.
2. Ukuba ufuna ukuqokelela lonke uhlaziyo olunokubakho kolu tyalo-mali lukhethekileyo, awuzukukhetha ngaphandle kokuya ngqo kwiimarike zesitokhwe, nakwiinkampani zeli candelo, baya kulanda ngokuqinileyo ngakumbi ukunyuka kwamaxabiso.
3. Yintengiso ngandlela thile ayivavanywa ziiarhente zezemali, ke ukufikelela kwayo kuyinkimbinkimbi ngakumbi. Nangona, kwelinye icala, uyakufumanisa ukuba izindululo ezitsha ziyavela ezinewayini njengendawo ekubhekiswa kuyo.
4. Iimali zotyalo-mali ezisekwe kule asethi yezemali zezona ndlela zicetyiswayo zokuhlangula ezinamava amancinci kwiimarike zemali, kuba ziyilelwe kunye iziqinisekiso ezipheleleyo ngabaphathi.
5. Uya kuyifumana loo nto ayisiyonto iqhelekileyo ukusebenza phakathi kwabatyali-mali baseSpain, kodwa ngesiqinisekiso sokuba yinto eqhelekileyo engaphaya kweyethu, apho abasebenzisi abaninzi nangakumbi bekhetha le ndlela iphakanyisayo, kwaye kwezinye iimeko zinenzuzo.
6. Sukucinga ukuba ngokwenyani yokuba lolunye utyalo-mali olwahlukileyo noluyintsusa oko kuya kuthetha ukubuya okungcono. Ewe akunjalo, kodwa yonke into iya kuxhomekeka kwindaleko yayo kwiimarike zemali, ngokungathi yenye yeasethi eyimali.
7. Funa ingcebiso kwingcali Lowo ngulowo uthatha isigqibo sokuba ngaba olu hlobo lotyalo-mali lolona lucetyiswayo kwiprofayili oyivelisayo, kwaye phantsi kwaziphi iimeko ekufuneka uyenze ibe semthethweni imisebenzi yokuthenga.
8. Kwaye okokugqibela, gcinani engqondweni ukuba ukusukela ngoku iya kuba ngu enye indlela kufuneka uyenze imali oyongelayo. Ukujongana nokudodobala okanye ukuncipha kweyona mikhwa mikhulu yotyalo-mali. Ingasetyenziselwa ukwenza ipotifoliyo yakho yotyalo-mali, kunye nezinye iifom (kwimarike yemasheya, iziqinisekiso, imali yotyalo-mali, njl.