Ukhetho phakathi kweemveliso kumvuzo ohleliyo okanye umvuzo oguqukayo sesinye sezigqibo ezivela kutyalo-mali lwakho kwisiqingatha sesibini sonyaka. Emva kokuba kudlule owesibini ngenqanaba elingcono kunokuba bekulindelwe uviwo lweenyanga ezintandathu zokuqala zomsebenzi. Ngezimanga zayo ezisengqiqweni kunye namathandabuzo amaninzi apha endleleni. Kodwa ekupheleni kosuku bavale eli xesha ngebhalansi efanelekileyo kwizikhundla zabatyali zimali abancinci nabaphakathi, yiyo loo nto ekugqibeleni.
Ngale ndlela, abahlalutyi beRenta 4 Banco bacace gca malunga nezinto abazikhethayo kuba zigcinwa ngokukodwa ngamanani alinganayo xa kuthelekiswa nengeniso esisigxina ngo-2019. ngexabiso elinomtsalane ngakumbi ngemimiselo. Kwimeko enikwe ingqalelo njengokuncipha, kodwa hayi ukudodobala koqoqosho. Inqaku elihamba rhoqo lixoxwa kwiimarike zezemali kwaye lelo likhuthaza indawo elungileyo yabatyali mali ukuba bangathathi isikhundla kwixabiso lomvuzo oguqukayo. Ngenxa yokoyika ingozi enkulu kwiimarike zesitokhwe. Into engekenzeki ukuza kuthi ga ngoku, kude kuyo.
Kwelinye icala, imigaqo-nkqubo yemali iza kuqhubeka kunye nokuhamba ngokuthe ngcembe ngo-2019. Ukuba kunjalo, njengoko kulindelwe kwiinyanga ezizayo, iyakuba lithuba elihle lokuvula izikhundla kwimarike yemasheya ukwenza inzuzo. ivuliwe. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwiziseko zayo. Okanye ubuncinci yinto efanelekileyo bathabathe izaphulelo kwiimarike zemali. Ayothusi into yokuba le nto iyasimema ukuba sithenge amaxabiso akhethwe ngokukuko kuzwelonke, nangaphandle kwemida yethu.
Ukudodobala komjikelo wezoqoqosho
Ngayiphi na imeko, isebe lohlalutyo lweRenta 4 Banco ligxininisa ukuba ukuphuhlisa nasiphi na isicwangciso sotyalo mali se2019 kuya kufuneka sithathele ingqalelo kwezi nyanga zizayo siphantsi kwemeko yokuhla komjikelo wezoqoqosho kwihlabathi liphela, nangona sigcina amanqanaba afanelekileyo omsebenzi. Kwizinto ezintle, ezinye iimeko zezemali ziselungile kwaye, njengowona mqobo uphambili ekukhuleni, athe nalo mhlalutyi wezemali wongeza "amatyala aphezulu kwinqanaba lehlabathi." Iya kuba yinto ekufuneka ithathelwe ingqalelo kwiintsuku okanye kwiinyanga ezizayo.
Ngokumalunga nokuthandabuza okungapheliyo kwe-sim, kubalulekile ukuba kwabelwe imali kwingeniso esisigxina okanye kwingeniso eguqukayo, kananjalo abanamathandabuzo kuba bagcina ukhetho olucacileyo lolwesibini lotyalo-mali oluchaziweyo. Apho esi sicwangciso sotyalo-mali sinokuthandwa ukuya kuthi ga kwinqanaba apho Umsebenzi wezoqoqosho uza kuqhubeka ukuxhasa ukuvela kweziphumo zeshishini. Ngokoluqikelelo lweli ziko lemali bacinga ukuba linokufikelela nakumanani. Ngamanye amagama, kwezinye iimeko isitokhwe sisenokubanalo ixabiso lokuxabisa ngokubhekisele kumaxabiso akhoyo ngoku.
Iingxaki ezininzi kwimali engenayo esisigxina
Ngelixa ngokuchaseneyo, umvuzo ozinzileyo awusayi kuphinda ufumane inkxaso ecacileyo yeebhanki eziphambili. Njengophawu olucacileyo lokuba banako thatha uthotho lomngcipheko ukuba ekugqibeleni esi sigqibo sibonakala silunge ngakumbi okanye sizikhusela sikhethelwa abatyali mali abancinci nabaphakathi. Apho ngaphandle kwamathandabuzo ukuba imali eninzi inokulahleka apha endleleni ngenxa yokuma kwezi asethi zemali. Ayothusi into yokuba nangaliphi na ixesha inokunika ukungoneliseki kubasebenzisi ababekwe kule nxalenye yotyalo-mali.
Akumangalisi ukuba, kungummangaliso ukuba ngokolu phononongo, ukutyala imali kwii-equity kusenomtsalane ngakumbi kwezi, nditsho nokuthetha ngokwembali. Ngezaphulelo ezikumahlelo phakathi kwe-10% nama-30 %, kunye ne-PER esondele kwiminyaka engama-30. Kwelinye icala, ngaphakathi kwingeniso eyahlukileyo kuqikelelwa ukuba iYurophu inokuba luncedo ngakumbi kunaseSpain kubatyali mali abancinci nabaphakathi ngeli xesha. Ukuza kuthi ga ngoku ukuba yaphule ezinye zenkxaso ezifanelekileyo ezaziphambi kwayo ngexabiso lazo.
Ukwanda kokungazinzi
Ngayiphi na imeko, abahlalutyi bezemali banefuthe kwinto yokuba imbuyiselo ezilindelekileyo kwii-equities azisayi kukhululeka kubume obuguquguqukayo. Lo ngumcimbi esikwazileyo ukuwuqinisekisa kwezi nyanga zintandathu zokuqala zalo nyaka, umahluko omkhulu phakathi kwamaxabiso aphezulu nelona lisezantsi kwaye kwezinye iimeko kukhokelele kwiyantlukwano engaphezulu kwe-4% okanye i-5% kuqikelelo lwamaxabiso amaxabiso abo kwiimarike ze-equity. Ukuba yenye yeengozi eziphambili kubasindisi kweli candelo lesibini lonyaka okhethekileyo. Ngokukodwa ukuba imigaqo-nkqubo yemali iyatshintsha kumacala omabini e-Atlantic, eyinto ebekwa etafileni kwiimarike zesitokhwe ngoku.
Kwelinye icala, kufuneka sithathele ingqalelo ubungozi obuninzi obuvela ekukhuleni (ingqalelo kuthethathethwano lwezorhwebo phakathi kwe-US ne China) okanye ezopolitiko (i-Itali, iBrexit, unyulo lwase-Europe kunye nembambano enokubakho e-Ukraine, phakathi kwezinye ). Nokuba yeyiphi na indlela, oku kungonyuka kokungazinzi iya kuvelisa amathuba okuthenga kulo lonke Umhla wokugqibela wonyaka ozayo. Oko kukuthi, kunjalo, amathuba oshishino aya kwenziwa ukusukela ngoku. Njengokuba kuhlala kunjalo kwilizwe elinzima lemali.
Kutheni uthenga ingeniso esisigxina?
Izithuba ezithandekayo kolu didi lwezicwangciso zotyalo-mali zinokuma ngokubhekisele kwimodeli yokonga ezolileyo kude kube ngoku. Kodwa le meko inokutshintsha ngokungathandabuzekiyo kwiintsuku okanye kwiiveki ezimbalwa ezizayo kwaye eyona nto imbi kukuba loluphi utshintsho olunokubakho emngciphekweni. Kungenxa yokuba, umvuzo omiselweyo uyeka ukuba yiyo izinto zexabiso zoxolo awayeyonwabela de kube ngoku. Ukuba akunjalo ngokuchaseneyo, kunokuba notyalo-mali olunobungozi ngakumbi kunemali yokulingana ngokwalo okanye kwimodeli yotyalo-mali ethathelwa ingqalelo njengenye indlela.
Ewe kunjalo, enye into ekufuneka ixabiswe kwimali esisigxina yile ingeniso embi ezinikezela ngeemveliso zazo ezahlukeneyo zemali okwangoku. Apho kunzima kakhulu ukufumana inzala ephezulu kune-3% okanye ye-4%, njengoko ubonile kwiinyanga ezidlulileyo, kulo nyaka nakwenye edlulileyo. Nokuba sesichengeni sokushiya i-euro ezimbalwa endleleni. Into ebonakalisiweyo kwiingxowa-mali zotyalo-mali ngokusekwe kwiimarike zengeniso esisigxina. Ngokuhla kweepotfoliyo zabo zotyalo-mali.
Yintoni engcono yokutyala imali ngoku?
Lo ngumbuzo wesigidi seedola ukuba inxenye elungileyo yabatyali mali abancinci nabaphakathi bayazibuza phambi kwepanorama ethiwe thaca licandelo lemali. Ewe, yonke into ibonakala ibonisa ukuba baya kuba ziimodeli zotyalo-mali ezisekwe kubulungisa. Kuba ukufumana ukubuya okuphezulu Ugcino aluyi kuba nandlela yimbi ngaphandle kokuthatha umngcipheko. Ngelixa kwelinye icala, okulindelweyo okwangoku kwii-equity kubhetele kunengeniso esisigxina. Ubuncinci ngokubhekisele kwinto eyakwenzeka ngenene kwinxalenye yesibini yonyaka apho imarike yemasheya ifanele ukuzithemba ngakumbi ukwenza ulondolozo lube nenzuzo ngendlela eyanelisa ngakumbi umdla wabasongi.
Kufuneka kugxininiswe ukuba icala lobuchwephesha kwiimarike zezabelo alikho mbi. Hayi kangako. Ukuba akunjalo kwezinye iimeko, gcina imeko ephezulu ichazwe kakuhle kwaye inokunceda abatyali mali abancinci nabaphakathi ukuba benze esona sigqibo sichanekileyo. Nangona ngexabiso lokuthatha umngcipheko ngakumbi kwimisebenzi eza kuthathwa kwiintsuku okanye kwiiveki ezimbalwa ezizayo. Apho kuyinyani ukuba nantoni na inokwenzeka njengesiphumo sayo yonke imicimbi esalindelweyo kwiimarike zamasheya.
Ukwahlulahlula imveliso
Kwelinye icala, ayinakulityalwa ukuba imbuyekezo yembuyekezo enikezelwa zizabelo kwizabelo imi kumanqanaba akufutshane kakhulu ne-5%. Oko kukuthi, unesisa ngakumbi kunenzala yezona mveliso ziphambili zengeniso esisigxina kwaye ngumvuzo osisigxina noqinisekisiweyo minyaka le. Nokuba kwenzeka ntoni kwiimarike zezabelo. Kwaye le yinto edlalayo kwimarike yemasheya kwi ezona profayili zotyalo-mali zilondolozayo.
Kuba banengeniso efanelekileyo kakhulu okwangoku ayiqinisekiswanga zezinye iimveliso zezimali zalo naluphi na uhlobo. Kwiinkampani ezidwelisiweyo ezingamacandelo ahlukeneyo emisebenzi. Ukusuka kumaxabiso aphakathi kakhulu ukuya kwabanye anochuku kodwa ekugqibeleni bayavumelana ngale nto: babonelela ngemali kwizabelo. Ukuya kuthi ga kwiipesenti ezi-8 zenzala.