Uyakha njani ipotifoliyo yengxowa mali yotyalo mali?

imvelaphi

Ukuba kukho imveliso eqokelela ulondolozo lwabatyali mali, ayikho enye ngaphandle kwemali yotyalo mali. Kuba ikunika iindlela ezininzi zokuhambisa izicwangciso zokwenza ukonga kunenzuzo. Zombini zivela kwiindlela ezivela kwii-equities kunye nengeniso esisigxina. Kodwa ngaphandle kokulibala ezinye iifomathi ezinjengemali, enye indlela okanye idityaniswe kwizixhobo ezingafunekiyo okanye iintsimbi ezixabisekileyo. Phantse zonke iimpahla zezimali onokuyicinga. Nokuba lolona luqobo kunye nolutsha olwenziweyo ziinkampani zolawulo.

Iimali zotyalo mali zikuvumela ukuba uphucule imbuyekezo ekhutshwa ziimveliso zebhanki ezahlukeneyo ngeli xesha (idipozithi yekota, amanqaku ezithembiso okanye amatyala wombuso). Okwangoku bakunika kuphela iipesenti ezi-1, into enokugqitha kwimali. Nokuba ku kunye nemingcipheko ephezulu kuba inzuzo ayiqinisekiswanga. Endaweni yoko, kwinxalenye enkulu yamatyala baya kuxhomekeka kwindaleko yeemarike zezemali. Ukutshintshiselana, unokukhetha iimodeli ezahlukeneyo zotyalo-mali ngokuxhomekeke kwiprofayili oyivezayo njengesigcini

Kodwa ukuze izindululo zakho zizalisekise kuya kufuneka wenze ukhetho olulinganayo lwemali. Phi Ulwahlulo lukhona ngaphezulu kwezinye iindlela. Ngale ndlela, akufuneki ujike yonke imali yakho oyongele kwingxowa enye. Kuba iziphumo zinokuba yingozi kakhulu kwimidla yakho. Ukuza kuthi ga kwinqanaba lokuba unokufumana ngaphezulu kwesimanga esinye ngeli nqanaba lotyalo-mali. Ngayiphi na imeko, unokufaka amanyathelo athile ukuze utyalo-mali lwakho lukhule ngokuchanekileyo. Kwaye kwisithuba seminyaka embalwa uya kuba kwimeko yokonwabela imbuyekezo evela kwikapitali yakho oyityalileyo.

Iimali zotyalo-mali kwimali engenayo esisigxina

Ukuba ufuna ukwakha ipotifoliyo elungeleleneyo nekhuselekileyo, awuzukukhetha ngaphandle kokubandakanya iiasethi eziyimali zengeniso esisigxina. Ngokomyinge ocinga ukuba ngowona ufanelekileyo ngokuxhomekeke kwiminqweno yakho. Isiphakamiso esiluncedo kakhulu kukukhetha iibhondi ezikhuselekileyo, ezinje ukusuka eJamani naseMelika. Esi sicwangciso-qhinga siza kunika ukhuseleko ngakumbi kwipotfoliyo yengxowa mali yakho. Ukongeza, iya kuba yenye yezona ndlela zisebenzayo zokuzikhusela kwezona meko zingathandekiyo kwiimarike zezemali. Nokuba ufumane imbuyiselo kulondolozo, nokuba zincinci.

Ngayiphi na imeko, ukuba izinto ozilindeleyo zinoburharha, uhlala unethuba lokukhetha i- iibhondi zemida. Ukusuka kumazwe afana nePortugal, i-Itali, iGrisi okanye neSpain uqobo. Ngesizathu esilula kakhulu sokuqonda kwaye kukuba amandla ayo okuhlaziya angaphezulu kakhulu kwezinye iimveliso zezi mpawu. Nangona kuyinyani ukuba umngcipheko owuthathayo ekuqeshweni kwakho uphezulu. Nangona kunjalo, unokukhetha esi sicwangciso phantsi kwenxalenye encinci yegalelo lakho lezemali.

Ingxowa ihlala ikwiimali

Nokuba sithini na isicwangciso sakho sotyalo-mali, iiasethi eziyimali ezivela kwiimarike zezabelo azifanele ukuba zisilele. Yeyona ndlela icacileyo yokuthatha umtsi ofuna ukuphucula umdla. Nangona, ngokuchaseneyo, kunokubangela ukuba ibhalansi unyaka nonyaka ibe mbi ngakumbi kunesiqhelo. Kodwa ngoncedo onokuyenza ngendlela eyahlukileyo. Oko kukuthi, ngaphandle kwesidingo sokugalela yonke imali yakho kwixabiso elinye lemarike. Unemali yotyalo mali yazo zonke iimpawu, ukusuka kwezona zikhuselayo okanye ezikhuselayo kunabo baneprofayile enobundlongondlongo. Esinye sezibonelelo ezibonelelwa lolu didi lweemveliso zemali ezinje ngemali yotyalo mali.

Ngeli qhinga unako Hlanganisa isitokhwe samasheya, amacandelo kunye nezalathiso. Zombini kwiimarike zesizwe nangaphandle kwemida yethu. Akukho sithintelo kwiimodeli iinkampani zolawulo esele ziphuhlisa. Apho unendawo ebanzi onokukhetha kuyo ukusukela ngoku. Ukuba unokuyixuba kunye nezinye iiasethi zemali zazo zonke izinto kunye nendalo. Ukuze ngale ndlela, ilahleko enokuthi uyifumane ngohlahlo-mali oluncitshisiweyo lweemali zotyalo-mali ziyalungiswa.

Hlanganisa zombini iimodeli zotyalo-mali

Nokuba yeyiphi na indlela, unokukhetha kwimodeli ephakathi ukuba qwalasela lonke uvakalelo. Zizo ezibizwa ngokuba yimali exubeneyo kwaye zimelwe phantsi kweepesenti ezivuma onke amathuba. Ewe, le modeli kufuneka ibekhona kwipotfoliyo yakho elandelayo yotyalo-mali. Ubuncinci kuya kufuneka unikezele inxalenye yolondolozo lwakho kule ndlela ixubeneyo. Yimveliso iinkampani zolawulo ezinikezela ngezixhobo ngakumbi nangakumbi. Akumangalisi ukuba unezinto ezininzi onokukhetha kuzo kwaye awuyi kuba nangxaki yokuhlangabezana neemfuno zakho zotyalo-mali.

Olu didi lweemali zotyalo-mali lunokubandakanya ezinye iiasethi zemali ezifanelekileyo ngokukodwa. Umzekelo, ukhetho lwemali okanye ezinye iindlela zotyalo-mali. Elinye iqhinga onalo okwangoku ukukhusela igalelo lezoqoqosho kwezona meko zoqoqosho zimbi. Uya kuba nokuzikhusela okukhulu kwezi ntlobo zeemeko ezinqweneleka kakhulu kubo bonke abagcini. Ke ngoko, lolunye ukhetho olungafaneleki ukusilela xa kuyilwa ipotifoliyo yezi mveliso zezezimali. Eyona njongo iphambili yokwandisa ibhalansi yokujonga okanye yokugcina iakhawunti.

Imali, lolona khetho lukhuselekileyo

emali

Kananjalo akufuneki ilahleke nakweyiphi na ipotifoliyo, ngakumbi ezona profayili zokhuselo. Kungenxa yokuba zizinzile kwaye azibonisi umohluko wokubaluleka okhethekileyo. Oko kukuthi, iinzuzo ukuba zinikiwe zincinci. Nangona ukubuya Kunzima kakhulu kubo ukwehla, nokuba imeko ngokubanzi yeyona inokwenzeka. Esi sesinye sezizathu ezikhokelela ekubeni unikezele ngenxalenye yokonga kwakho kwezi modeli zolawulo. Iziphumo zalo ziyafana nokuba ibinemali engafakwanga nto. Oko kukuthi, awuzukuwina okanye uphulukane nezikhundla zabo.

Ngayiphi na imeko, lukhetho olulungele ngakumbi amaxesha eengxaki zoqoqosho. Apho ukuwa kweemarike zezemali kwenziwa ngokubanzi. Kuba ibonelela ngozinzo ngakumbi kunezinye iimali zotyalo mali. Ukuba yindawo eluncedo kakhulu kumaxesha athile kwaye ungaxinanisi ngokugqithileyo ngexesha labo. Ngayiphi na imeko, ikwayimveliso efanelekileyo kakhulu ukwenza ugqithiselo oluvela kwingxowa mali yotyalo mali esisigxina kwaye ngakumbi ezo ziguqukayo. Zombini kwicala elinye nakwelinye. Kungenxa yokuba ziyaguquguquka ukuphucula olu hlobo lwezenzo ezijolise ekugcineni umdla wakho njengomtyali mali ophakathi naphakathi.

Enye imali: indlela yesithathu

Kuzo zonke iimeko, unokukhetha imodeli yesithathu ephambukayo kwimirhumo yotyalo-mali yemveli. Ngeendlela ezingafaniyo njengokuba zinjalo khetha ukungazinzi okanye esona sinyithi sixabisekileyo. Kodwa esi sicwangciso sokuphuhlisa ngempumelelo kuya kufuneka uyenze phantsi kwendlela ezihamba ngayo. Ke ngale ndlela, ukwimeko engcono yokufumana ithuba kule meko ngokubanzi. Inokuba neziphumo eziluncedo kakhulu kumaxesha anzima oqoqosho. Nangona olu didi lweemveliso kufuneka lungabhaliswa phantsi kwexabiso eliphantsi kakhulu. Kodwa ngokuchaseneyo, kunokuba kuncitshiswe kwaye kulawulwe ngokubhekisele kumaxesha okusisigxina.

Le modeli yokonga incinci kunayo yonke kwaye isetyenziswa ngamaxesha athile. Kwelinye icala, abaziwa kakuhle ngabatyali mali abancinci nabaphakathi. Ukuza kuthi ga ngoku ziyenye yeemali ezingaziwayo ngabasebenzisi. Apho kuyinyani khona ukuba isithembiso esenziwe ngabaphathi asixinani, kokubini kwinani labo nakwizindululo ezivelisiweyo. Ngale ndlela, kubalulekile ukuba uyazi ukubumba kwayo ukuthintela imeko engaphezulu kwesinye engathandekiyo kwimidla yakho.

Nciphisa ilahleko enokwenzeka

ilahleko

Njengoko sele ubonile, uneengcamango ezingaphezulu kwesinye ukuze ube nepotifoliyo yengxowa mali yotyalo mali. Ukusuka kwiindlela ezahlukeneyo ngokupheleleyo kwaye zijolise kuzo zonke iintlobo zabatyali zimali abancinci nabaphakathi. Apho uyakuba nesigqibo sokugqibela kuphela kwaye ufuna ntoni kubudlelwane bakho nelizwe elihlala linzima lemali. Ngaphandle kwayo yonke into, elinye lamaqhosha ekufezekiseni iinjongo zakho lilele kukwahluka okubanzi kokonga.

Kwaye njengesindululo sokugqibela, kuhlala kukho izixhobo ezinokuba zezi mveliso dibanisa neemodeli zebhanki zesiko. Umzekelo, iiakhawunti ezinengeniso ephezulu okanye ixesha eligcinwe. Ukusuka kwizikhundla ezivelisa imbuyekezo eqingqiweyo nesiqinisekisiweyo minyaka le. Nangona oku kuncinci kwaye kunemida yokulinganisa. Kodwa uya kuba nakho ukubuyekeza ngelahleko enokuthi uyifumane kutyalo-mali olusulungekileyo nolulula. Ukuze ngale ndlela, ilahleko yenkunzi ingabininzi njengoko ubucinga ekuqaleni.

Kungenxa yokuba inqaku kukuba imali yakho ayinasinciphiso sibalulekileyo. Ngokukodwa kumaxesha anzima kakhulu kwiimarike zezemali. Amaxesha apho uthathela ingqalelo imeko yotyalo-mali lwakho kwaye kubalulekile ukwenza ugqithiselo olungaqhelekanga phakathi kwengxowa mali ekhethiweyo. Nokuba yeyiphi na indalo.


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