Ukuze kufumaneke iinjongo zotyalo-mali, kuya kuthatha isigqibo sokuba iiprofayili zabatyali zimali abancinci nabaphakathi zicaciswe, nanjengoko kunjalo nakuwe. Ngokusekwe kolu tshintsho lubalulekileyo ungasebenzisa isicwangciso esinye okanye esinye ngazo uzama ukwenza ulondolozo lwakho lube nenzuzo. Ayothusi into yokuba ayizukufana nomthengisi okhangela i intshukumo yokuqikelela Kwiimarike zezemali, kunabo bafuna kuphela ukwenza isamente kwibhanki yokonga yexesha elizayo, kwanaxa umhlala-phantsi wabo ufika. Unyango lwakho luya kwahluka ngokupheleleyo.
Ukuzama ukukunceda ngokuchanekileyo ukuhambisa iintshukumo zakho kwii-equities, akusayi kubakho khetho ngaphandle kokuveza zonke iiprofayili ezikhoyo njengomtyali mali. Azikho zininzi, njengoko ubona. Ngale ndlela, uya kujonga ukuba leliphi na iqela lokwenyani. Iya kuba sisicwangciso esiluncedo kakhulu ukuze ukusukela ngoku ubekwisimo se Lungiselela yonke imisebenzi kwicandelo lemarike yemasheya.
Ukufumanisa indawo yokuthatha ngcono kwiimarike zezemali, iprofayile oyivezayo njengomtyali mali omncinci nophakathi iya kufaneleka kakhulu. Iya kuba lelinye lamaqhosha onawo ezandleni zakho ukuphucula iziphumo zokusebenza kwakho. Zombini kwingeniso engaguquguqukiyo kunye nokwahlukileyo, okanye nangokucacileyo kwezinye iindlela okanye kwezinye iikhonsepthi kutyalo-mali. Iya kuba yinto onayo ngoncedo olukhulu ukuhambisa imisebenzi kuyo nayiphi na iasethi eyimali. Ngesi sizathu, uya kuba nezizathu ezingakumbi zokukhathalela indawo ebalulekileyo kubudlelwane bakho nehlabathi lemali.
Utyalomali: Iiprofayili zabasindisa
Ngulowo uzama ukukhusela imali yakhe ngaphezu kwayo yonke into, nkqu nengeniso anokuyifumana. Imisebenzi yakho Zenzelwe ixesha eliphakathi okanye elide, kwaye phantse ngalo lonke ixesha ngamaxabiso azinzileyo, agcina ivolumu yemihla ngemihla kwisivumelwano sezihloko zabo ezibaluleke ngokwenene. Izenzo zabo azihlali zibonisa ukuphambuka kumaxabiso abo ngaphezulu kwesiqhelo. Kananjalo bayamelana neemeko ezingathandekiyo kubulungisa.
Abatyalomali abanolunya. Ityala elichaseneyo, apho ikukuphathelene nokwenza iintshukumo zentengiso yemasheya enenzuzo ngexesha elifutshane elinokwenzeka. Indawo yayo yendalo kukusebenza kwexesha elifutshane, kwaye kwiseshoni efanayo yorhwebo. Ziye zaphawulwa ngenxa yokuba zithambekele ekwenzeni imisebenzi emininzi enyakeni. Nangona phantsi kwemida ethile kwizixa zayo. Abatyali lonke ulondolozo lwabo kule misebenzi. Zikwadla ngokuba zezona zinamava okusebenza kwezi asethi zemali.
Iprofayile ephakathi. Kule meko, ihambelana neempawu ezithile zamaqela abasebenzisi bangaphambili. Abakulingelanga ilize dibanisa umngcipheko kunye nokukhuselwa kogcino lwakho. Nangona ngaphandle kokugweba imeko. Zivulelekile kuwo onke amathuba anikwa ziimarike zezabelo, kwaye ngamanye amaxesha azikhawulelwanga kwimarike yemasheya, kodwa bakhetha ezinye iimveliso zezezimali. Iimali ezihlangeneyo zezinye zeentando zakhe, zombini kwi-equity kunye neemodeli ezixubekileyo.
Kuthekani ngezahlulo?
Ukuhlawulwa kwezahlulelo iminyaka ethile ngoku kukuvumela ukuba ukhethe ezimbini. Kwisandle esinye, zibize ngqo Kwaye baya kwi-akhawunti yakho yokutshekisha ukuze wenze into oyifunayo kubo. Kwaye kwelinye icala, ukubanakho kokubanakho ukuphinda ubabuyise kwizenzo apho uthathe isikhundla. Iya kuba sisigqibo sobuqu ekufuneka usenzile emva kokuhlalutya eyona nto uyifunayo kwaye ithini iprofayile yomtyali mali omncinci oyibonisayo.
Ngayiphi na imeko, kuya kuba lula kuwe ukuba wazi ukuba yeyiphi imeko apho kulunge ngakumbi kuwe ukuba utyalomali olu rhumo lufunyanwa ngabo bonke abaninizabelo. Njengesicwangciso se phucula imeko yeakhawunti yakho yezokhuseleko. Akumangalisi ukuba unako ukuphucula imida ebhankini ekubonelela ngayo ngezahlulo. Nika ingqalelo kuba inokuba lunomdla ngalo lonke ixesha le meko yotyalo-mali isenzeka kuwe.
Ukwahlulahlula: Iinkqubo zokunyusa amandla: xa imarike yemasheya inenkqubo eqhubayo, kuya kufuneka uphinde uthengise ukuhlawulwa kwezabelo. Isizathu kungenxa yokuba enkosi kule mi sebenzi uya kuba nezabelo ezininzi, kwaye ke, amathuba amakhulu okuba imveliso inyuke. Endaweni yokonwabela ukuthengiswa kwakho. Iya kuba ngumcimbi wokuba nemali inyanzeliswe ixesha elide. Ukutshintshiselana nokuphuculwa kokusebenza kwamashishini.
Iingxowa zokonga zexesha elide: ukuba utyalo-mali lwakho lwenzelwe ixesha eliphakathi okanye elide, le ntshukumo iya kuba yinzuzo. Ayizukuvumela kuphela ukonyusa utyalomali lwakho, kodwa uyakuba kwimeko yokuqokelela imali ngakumbi kwisahlulo esilandelayo. Ngaloo ndlela, uya kuyonyusa imali oyityalileyo kancinane kancinci. Yindlela yoqobo yokudala ibhegi yokonga kule minyaka imbalwa izayo. Akumangalisi ukuba indlela yakho ijolise kwiminyaka emininzi, nokuba ikwimo yotyalo mali. Inokuba lithuba elihle lokunyusa izikhundla zakho kwimarike yemasheya.
Izikhundla kwisitokhwe esiqinileyo
Elinye icebo linokuphuhliswa kwixabiso elizinzileyo elinqabileyo ukubandezeleka ngokubonakalayo kwintengiso yesitokhwe. Iya kuba yinto efanelekileyo ngakumbi ukudibanisa izabelo kutyalo-mali endaweni yokungaziqokeleli kwangoko. Ngokukodwa ukuba awuzukuyidinga loo mali ixesha elide. Ngayiphi na imeko, awuzukukhetha ngaphandle kokujonga ixesha elimisiweyo lokuvala izikhundla kwii-equities. Ukuthintela nakuphi na ukuhamba ezantsi kwiimarike kunokubangela ukuba inxenye yezi ngeniso inyuke, ukongeza kutyalo-mali ngokwalo.
Ukuba ungumlandeli oqhelekileyo wezindululo zabahlalutyi bezemali kunye nabalamli, kuya kufuneka uliqhelane neli xesha, apho ungazazi eyona ntsingiselo yalo. Kukutyeba kakhulu kukhuseleko oludweliswe kwiimarike zokulingana. Ewe isebenza xa amaxabiso ezabelo zenkampani Ngaphantsi kokulindelweyo kuhlalutyo. Ke, sisicwangciso-qhinga esiqhelekileyo kubatyali mali abancinci ukuvula izikhundla kwiimarike zezemali. Akumangalisi ukuba oko kuthetha ukuba banohambo olude kwindaleko yabo kwimarike yemasheya. Ngamanye amaxesha, ngaphezulu kwamanani aphindwe kabini kwinzuzo.
Ukutyeba kakhulu kwimarike yemasheya
Xa bekuxelela ukuba ukhuseleko lutyebile luphawu olucacileyo lokuba ungaqala imisebenzi yakho yokuthenga ngaphandle komngcipheko ogqithisileyo. Kuba eneneni, ibonisa ukuba zidwelisiwe ngezaphulelo ezibalulekileyo ngokunxulumene nexabiso lakho ekujoliswe kulo. Imeko onokusebenzisa kuyo ukwenza ulondolozo lwakho lube nenzuzo. Ngaphandle kokuhlalutya ezinye iiparameter kwisicatshulwa sakho esiya kugqiba isigqibo ekufuneka usenzile. Ukutyeba kakhulu kwiimeko ezininzi lithuba elihle lokwenza ishishini elifanelekileyo kwiimarike zokulingana.
Ngokuqiniseka konke ukuba ngoku uthathela ingqalelo ukuba zeziphi izizathu zeli meko. Ewe, kwesi siganeko kufuneka uyazi ukuba inyani yokuba iasethi eyimali ingaphantsi kwexabiso eliqikelelweyo inokubangelwa ziimeko ezininzi. Enye yezona zinto zibaluleke kakhulu inokuveliswa ngokubandakanyeka kwifayile ye- yehla ngamandla amakhulu.
Enye, yezinto nje zethutyana zenkampani uqobo. Kwaye kwinxalenye enkulu yezindululo zotyalo mali, ngenxa yomdla ophantsi wabatyali mali abangazigubungeliyo iimfuno zezabelo. Ngayiphi na imeko, sisicwangciso esisebenzayo kakhulu samaxesha okusisigxina amiselwe ixesha eliphakathi nelide. Apho kuyinzuzo ngakumbi ukwenza le misebenzi ngaphezulu kwabanye.
Iinjongo ekufuneka uzifezekisile
Ngayiphi na imeko, elinye lawona manqanaba abalulekileyo enkqubo yotyalo-mali kufuneka asekwe kwiinjongo ekufuneka uzenze zisesikweni. Iziphumo kufuneka zisekwe kwiiprofayili ozibonisayo njengomtyali mali omncinci nophakathi. Ukongeza, amacebo owasebenzisayo ukwenza imali oyigcinayo izakuba nefuthe. Kungenxa yokuba, ayifani iindlela ezinobundlobongela kwabanye abanenjongo yokugcina ukonga ngaphezulu kwayo yonke enye into. Zizinto ongenakukhetha kuzo kodwa ukuhlala kuzo ukumisela iinjongo zomsebenzi wakho kubulungisa kunye neemarike zengeniso esisigxina.
Ewe, njengoko imigca yezenzo zakho isiya isiba mandundu nangakumbi, kokukhona ulindelo oluya kukhula ebusweni besitetimenti sengeniso. Yinto eyinyani kuzo zonke iimeko, nkqu nezona zingathandekiyo kwiimarike zemali. Awunakulibala nangaliphi na ixesha malunga amanyathelo okhuseleko ukuba uncedise kutyalo-mali lwakho. Ngomyalelo wokulahleka komda okanye ukuthengisa ngokuthe ngqo ukugcina iphothifoliyo yakho ekunciphiseni kwexeshana.
Enye yeenjongo ekufuneka uziqwalasele ukusukela ngoku ukuya phambili kukuqhuba uhlalutyo olunenkcukacha kakhulu lwabagqatswa ukwenza itafile yakho yokusebenza. Ayothusi into yokuba le nkqubo yokhetho iya kuthi ekugqibeleni ichonge ingxelo yengeniso yemisebenzi yakho. Ngamanye amaxesha iya kuba yimpumelelo ngakumbi kunabanye. Oku kuqhelekile kwaye kuqhelekile kulo naluphi na udidi lweeasethi zemali. Ke kuyakufuneka uphucule kwisigqibo sakho. Nokuba ufuna ixesha elininzi, kuya kufuneka uzinike wena ukwenza izigqibo ezifanelekileyo ukusuka kumzuzu wokuqala. Akukho mathandabuzo ukuba ukuba ulandela zonke ezi ngcebiso, kuya kuba lula kakhulu ukufikelela kwiinjongo zakho. Kwaye nakwimivuzo ebanzi kunangoku.