Ujikeleza njani izikhundla kwiphothifoliyo yotyalo-mali?

isikhwama Esinye sezona zitshixo ezisebenzayo ekuphuculeni utyalo-mali ilele kwinyani yokwenza ujikelezo oluchanekileyo kukhuseleko olwenza ipotifoliyo yotyalo-mali kwimarike yemasheya. Oku akufuneki kube yinto emileyo, kodwa ngokuchaseneyo, kufuneka ilawulwe phantsi kwe enkulu uguquko kwimisebenzi eyenziweyo. Ukongeza kunye nokususa amaxabiso kwipotifoliyo, njengoko iibhanki zisenza ngeepotifoliyo zazo. Ngale ndlela, unokusebenzisa esi sicwangciso ukuphucula imeko yezinto zakho zobuqu.

Njengoko uza kwazi kakuhle njengomtyali mali, amaxabiso esitokhwe aphantsi kweendlela ezahlukeneyo unyaka wonke kwaye ke kufuneka uthembele kwabo babonisa ezona zinto zibalulekileyo zobuchwephesha ngamaxesha onke. Eli nyathelo lifuna inqanaba eliphezulu lokubeka esweni kubo ukuze bahlaziye iphothifoliyo yotyalo-mali esekwe kwimeko yalo yangoku. Lo msebenzi kufuneka wenziwe amaxesha ngamaxesha kwaye iya kuxhomekeka kwiprofayili oyivelisayo njengomtyalomali omncinci nophakathi: uyindlongondlongo, uphakathi okanye uyalondoloza.

Ukuba wenza ezi ntshukumo, awuzukufumana kuphela imbuyekezo engcono kwimisebenzi yakho, kodwa uya kuba kwimeko engcono yokuthatha elona thuba lishishini libalaseleyo elenziwe kwiimarike zezabelo. Ukujikeleza kwezikhundla kwimarike yemasheya kwelinye icala ikwayiqhinga elifanelekileyo loku thintela iimeko ezingafunekiyo ngabatyalomali. Oko kukuthi, ukunqanda ilahleko ebonakalayo yemali kwiintshukumo ezenziweyo.

Iphothifoliyo yotyalo-mali: yivuselele

Ngokubanzi, kuhlala kucetyiswa ukuba uyenze le ntshukumo, ubuncinci kube kanye ngonyaka. Kuya kukunceda ulahle awona maxabiso anengxaki yokuwabeka amanye anokubonga ngakumbi kule minyaka imbalwa izayo. Isicwangciso esilula kakhulu esingayi kwenza iya kufuna ulwazi ngakumbi kwezi unayo ngoku. Ngaphandle kwento onokuthi ungabinayo enye indlela ngaphandle kokuba wazi malunga nokuvela kweemarike zezabelo kwaye ngakumbi malunga nexabiso lazo.

Kwelinye icala, kuyakufuna ukuzinikezela yonke imihla ukubonisa ukuba ziintoni amaxabiso amaninzi axhamlileyo nawenzakalisiweyo yemeko yezoqoqosho yangoku. Ukuze ngale ndlela, ungamisa ilahleko ezinokuthi ziveliswe kwipotifoliyo yakho yotyalo-mali. Ngale ndlela, akukho nto imbi ngaphezu kokuma unyaka nonyaka ukusukela emva kwexesha uyakuqonda ukuba wenze impazamo enkulu kakhulu enokubiza imali eninzi. Kuya kufuneka ubenolwazelelelo kwezi ntlobo zezenzo kwiimarike zezemali. Ungalibali nangayiphi na indlela.

Izibonelelo zalo msebenzi wentengiso yesitokhwe

inzuzo Kwelinye icala, kubaluleke kakhulu ukuba uthathele ingqalelo kule mizuzu ye ujikeleziso oluchanekileyo ipotifoliyo yakho yangoku yotyalo-mali inokukunceda kakhulu ukuba ufezekise iinjongo zakho zokuqala. Oko kukuthi, ngesicwangciso esilula njengokushiya amaxabiso asezantsi onawo kwimarike yemasheya, oko kukuthi, ezo zivelisa imbuyekezo esezantsi, apho zibonise indawo entle. Ngale ndlela yokutyala umahluko ungabaluleka kakhulu kuzo zonke iindawo zokujonga. Njengokunyusa imali yakho ngamanqaku eepesenti aliqela.

Kwelinye icala, awungekhe ulibale ukuba umahluko phakathi kwamaxabiso asezona zilungileyo kunye nezona zibi unokufikelela Ukuphambuka okungaphezulu kwama-50% nakwezinye iimeko phantsi kweepesenti eziphezulu. Olu luvavanyo lwento onokuyiphumeza ukusukela ngoku kwaye kuyo nayiphi na imeko iya kuba kufanelekile. Ayothusi into yokuba lo ngumsebenzi oza kukubiza imali encinci kwaye uya kumelwa ziikomishini zokuthenga nokuthengisa izabelo kwimarike yemasheya. Banokufikelela kwi-avareji yenqanaba eliphakathi kwe-0,10% kunye ne-0,20% kwixabiso elityaliwe kwaye kuxhomekeke kwibhanki apho usebenze khona.

Kufuneka uyihlaziye nini ipotifoliyo?

Imfuno yokuqala yokufaka le ntshukumo kukuhlaziya iphothifoliyo yakho yotyalo-mali amaxesha ngamaxesha. Yeyiphi ipharamitha ekufuneka uyikhethile? Kulungile ngale ndlela akukho mithetho iqingqiweyo, kodwa ngokuchaseneyo iya kuxhomekeka kwimiba emibini ecacileyo yokuhambelana. Kwelinye icala, iprofayile oyivezayo njengomtyali mali omncinci nophakathi, kwaye kwelinye icala, iimeko ezichazwe ziimarike zezemali ngalo mzuzu kanye. Ukuze ngale ndlela, ungekho kwimeko yokunciphisa umngcipheko wokusebenza, kodwa ikwenze ukuba ipotifoliyo yotyalo-mali yomtyali ngamnye azuze inzuzo ngamandla amakhulu.

Kubaluleke kakhulu ukuba uqaphele ukuba awudingi ukuvuselela okanye ukutshintsha onke amaxabiso, ukuba ayisiyiyo kuphela eyeyona inentsebenzo embi kwiimarike ze-equity. Kungenxa yokuba, kuyacetyiswa ngokwenene ukuba uyenze le nkqubo ngendlela emodareyithayo, ngaphandle kwentshukumo enobundlobongela enokusongela uluvo lokwenene lotyalo-mali. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko. Ngale ndlela, kuya kufuneka uhlalutye lonke utshintsho ofuna ukulwenza ngalo mzuzu. Ungakulibali ukuze ungathathi isimanga esingayi kukulinda kuyo nayiphi na indawo yokujonga.

Zeziphi iiasethi ekujoliswe kuzo

asethi Ukusuka kumzuzu wokuqala into ekufuneka uyicwangcisile yeyiphi isicwangciso-qhinga sotyalomali ozimiseleyo ukusiphumeza. Ngethuba nje ungacacanga kule nto, awuyi kuba nakho ukwenza utshintsho kwipotifoliyo ngendlela efanelekileyo nefanelekileyo. Kwimeko apho unobungangamsha botyalo-mali, izinto zakho kufuneka zijolise kwimarike yesitokhwe ngokubhekisele kukhuseleko, kumacandelo okanye kwizalathiso zesitokhwe kunye ingqikelelo enkulu ekukhuleni kwayo. Nangona zizo ezifanayo ezinokubangela umngcipheko omkhulu wokuthatha izikhundla. Oko kukuthi, amandla abo okuhlaziya ahlala ephezulu, kodwa kwangaxeshanye banokuphuhlisa ukwehla okubonakalayo kumaxabiso abo ukuba imeko apho behamba khona ayisiyiyo eyona inqwenelekayo.

Kwelinye icala, ungalibali ukuba ukuba ukhetha esi sicwangciso sikhethekileyo kufuneka ube phezulu kwindaleko. Phakathi kwezinye izizathu kuba kungafika ixesha apho ungenakukhetha kodwa ukuvala izikhundla. Kungenxa yokuba udibene neenjongo zakho okanye ngenxa yokuba inguquko ayikhange ilindelwe kwicala lakho kwaye uphulukana nemali ngezikhundla ezivulekileyo kwezi asethi zemali sele zikhankanyiwe. Ngaphandle kwamathandabuzo, sisicwangciso esimbaxa ngakumbi kunesinye kwaye esiya kufuna ingqalelo engakumbi kwinxalenye yakho ukusukela ngoku.

Zikhusele kwiimeko ezimbi

Enye imeko enokuvela ngeli xesha kukuba ufuna ukunika ukhuseleko ngakumbi okanye ulondolozo oluchukumisayo kutyalo-mali lwakho. Ukuyifeza, kuyakufuneka ukhethe ukufaka kubambiso kwi-portfolio yakho elandelayo iingxowa ezinzileyo kwaye ngokuqinisekileyo uyazikhusela. Ngale ndlela, isenzo sakho kufuneka sigqibe ekukhetheni amaxabiso abizwa ngokuba yindawo yokusabela. Zizo ezo ezibonisa ukusebenza okungcono kunentengiso ngokubanzi kwiimeko ezingathandekiyo zezabelo. Phakathi kwezinye, unokukhetha iinkampani kumacandelo ombane, uhola wendlela kunye namacandelo okutya. Ngaphandle kwamathandabuzo, zezona zenza okona kulungileyo kolu hlobo lwesimo esikucebisayo kuwe kolu lwazi.

Kwelinye icala, luluhlu lwamaxabiso ahambelana noko basasaza phakathi kwabanini zabelo nge isahlulo semveliso ephezulu ojikeleza ngemida ephakathi kwe-4% kunye ne-7%. Ngale ndlela, ingeniso esisigxina inokwenziwa ngaphakathi kokungafaniyo ngentlawulo esisigxina kunye neqinisekisiweyo minyaka le. Into enomdla kakhulu kwimozulu kumaxesha okungazinzi okukhulu kwiimarike ze-equity. Ngaphezulu kokuthathelwa ingqalelo kwezobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko.

Yitshintshele kwezinye iimveliso

iimveliso Okokugqibela, kuhlala kukho ukhetho lokukhetha ezinye iimveliso zezezimali eziphucula inzuzo okanye, ukusilela oko, ukubonelela ngokhuseleko ngakumbi, kuxhomekeke kwimeko ezinokuthi zivele ukusukela ngoku. Ukusuka kwicala elilondolozayo lesicwangciso, utshintsho kwipotfoliyo lunokujoliswa kwi iidipozithi zebhanki aptie okanye iimodeli zemali. Ngelixa ngokuchaseneyo, ukuba ufuna ubundlongondlongo obukhulu kutyalo-mali, ukhetho lunokumelwa yimali yotyalo-mali okanye ngeendlela ezintsha zotyalo-mali. Kuxhomekeke kukonyusa ofuna ukukunika kutyalo-mali.

Ngaphakathi kweli qela lokugqibela, umngcipheko mkhulu kakhulu kunezinye iifomathi, kodwa ngoncedo lokuba banethemba elikhulu lokwenza ukonga kube yinzuzo. Zenzelwe amagama amafutshane kakhulu kunamanye kwaye ezinye zazo zibonakaliswa ngamanqanaba aphezulu okunyusa kwaye zibenza babe yingozi kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Ngenxa yezinto ezikhethekileyo eziboniswa lolu didi lomsebenzi kwiimarike ze-equity kwaye ayinguye wonke umntu owaziyo ukusebenza kwezi modeli.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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