Ungazikhusela njani kwiimozulu zentengiso?

ukuguquguquka Lo nyaka, nangokuchasene nazo zonke iingxaki, kuvelise ukungazinzi ukubuyela kwiimarike zezemali emva kweminyaka engaphezu kwemithathu ngaphandle kobukho bakhe kwimisebenzi. Ewe kunjalo, imeko entsha enyanzele abatyali zimali abancinci nabaphakathi ukuba batshintshe iindlela ezithile kwiintshukumo zabo kwizabelo. Nokuba kubaphathi ngokwabo kuye kwanyanzeleka ukuba bathengise iimveliso ezintsha zemali apho kuthathelwa ingqalelo lo msebenzi ukhethekileyo.

Nangona kunjalo kukho inqaku elifanelekileyo koku umendo kwiimarike ezahlukeneyo zemali. Ayikho enye into ngaphandle kokuba ukwanda kokungazinzi kunokuba ngumqondiso onokukhetha kuwo amathuba amatsha eshishini ukususela ngoku ukuya phambili. Zombini ngenxa yotshintsho kwisicwangciso sotyalo-mali kunye nezo zibhekisa ekusetyenzisweni kweemveliso ezintsha zotyalo-mali. Ngenjongo yokwandisa imida yenzuzo kwinkqubo nganye eyenziwa ngabasebenzisi ngokwabo.

Ukusuka kule meko ngokubanzi, kuya kufuneka uvume ukusukela ngoku ukuya phambili inkqubo entle kakhulu ukukhusela umdla wakho kwicandelo lotyalo-mali. Apho ekuphela kwento ekuya kufuneka uyitshintshe yinkqubo yotyalo-mali obusoloko uyisebenzisa de kube la mathuba achanekileyo. Ayothusi into yokuba yimodeli yolawulo eyahlukileyo. Kungcono okanye kubi kunabanye, kodwa kulungelelaniswa neemeko ezintsha zeeasethi zemali. Ngayiphi na imeko, uyakufuna ubhetyebhetye ngakumbi ekuphuhliseni le misebenzi kuba uya kuba kwimeko yentengiso engafaniyo ngaphambili.

Izixhobo ezichasene nokungazinzi

Ngaphandle kwamathandabuzo esinye sezona zicwangciso zidumileyo zokulawula umngcipheko kubandakanya inyani yento ebizwa njenge Ulwahlulo ngamacandelo. Olukhetho lusetyenziswa linani elikhulu labatyali mali kwaye ngakumbi abo banamava ngakumbi ekusebenzeni okwenziwa kwiimarike zezemali zokulingana. Ukwahluka ngamacandelo akungxamiseki kuphela. Kodwa iyasebenza nakwimimandla yezoqoqosho okanye yejografi. Oku, ngokwenza, kuthetha ukuba akufuneki uzikhawulele nakweyiphi na indawo yoluhlu. Kodwa kunokuba ngokuchaseneyo.

Ngale ndlela, enye ye izicwangciso ezisebenzayo osele unayo uquka ukungenisa usasazo olulinganayo oluphendula kwezona ndawo zibalulekileyo kwizabelo zamashishini ezingenanzala emisiweyo. Kwaye oko kuyakuxhomekeka kwiprofayile oyivezayo njengomtyali mali omncinci okanye ophakathi maxa onke. Oko kukuthi, ubundlongondlongo, uqikelelo, phakathi okanye ukuzikhusela. Ukuza kuthi ga kwinqanaba lokuba liyakunika izikhokelo eziyimfuneko zokwenza ipotifoliyo yotyalo-mali elungeleleneyo kwaye apho unokucinga ukuba ukungazinzi kuyinto edweliswe kwiimarike zezemali.

Ukusetyenziswa kolunye utyalomali

Alithandabuzeki elokuba esi sicwangciso sinokuba luncedo kakhulu kwimidla yakho. Kungenxa yokuba unokukhetha iimodeli zotyalo-mali kude kube ngoku awuzange ubuthathele ingqalelo ubukho bazo. Banokuvela kwiimarike ze izinto ezibonakalayo, izinyithi ezichanekileyo okanye ezinye ezivelisa izabelo. Phakathi kwezinye izizathu kuba zinokusebenza ngcono kunoko kubizwa ngokuba zii-asethi eziqhelekileyo zemali. Ukongeza, icandelo elilungileyo lolu tyalo-mali lolunye lwenziwa njengeeasethi ezikhuselekileyo apho batsala imali kubatyali mali.

Kwelinye icala, ezinye zezi ndlela zibonise uphononongo olunomdla kakhulu kule minyaka idlulileyo. Kwezinye iimeko ziphantsi amanqanaba angaphezulu kwe-20% kwaye nangayiphi na imeko baseludinini kwimarike yemasheya engenakubanikeza ngalo mzuzu. Kananjalo iimveliso ezivela kwingeniso emileyo zimile ngenxa yexabiso eliphantsi kwixabiso lemali njengesiphumo semigaqo-nkqubo yezemali ephuhliswe ziibhanki eziphambili zemimandla ephambili yezoqoqosho. Ngale ndlela, olu khetho lunokuba lithuba elihle kakhulu lokonga imali kwisiqingatha sokugqibela sonyaka. Ngaphandle kwezinye izinto zobugcisa.

Iimveliso ezimiselwe ukungazinzi

iimveliso Ewe kunjalo, kuhlala kukho ukusetyenziswa kwezi mveliso zezezimali njengendlela yokuphuma kwizikhuthazi ezimbalwa zeemarike zezemali zemveli. Owona mqobo uphambili wale mali yokubheja uhleli kwinto yokuba kuya kufuneka uye kutyalo mali ukwanelisa le mfuno ikhethekileyo unayo. Kuba ngokusebenza, kulapho ezi mpawu zibandakanywayo, ezinxibelelene ngokusondeleyo kwinto sonke esiyiqondayo njengokuguquguquka. Nangona izicwangciso ezahlukeneyo ngokubhekisele kwindlela yokuhambisa utyalomali. Ngayiphi na imeko, lukhetho oluthile kwaye kuphela isebenza ixesha elifutshane kakhulu.

Kwelinye icala, awungekhe ulibale ukuba isiseko sezi modeli zokonga senziwe kwisiseko senzuzo yayo siphezulu uninzi lweziganeko ezingathandekiyo yeemali. Kulapha kanye apho ihlangabezana ikakhulu nolindelo lwayo. Ukuza kuthi ga kwinqanaba lokuba ukuhamba kwemali kubalulekile kwenziwe ukusuka kweyona mveliso iqhelekileyo ukuya kwezi modeli zimbi kutyalo-mali. Nangona kubalulekile ukwazi ukuba uza kungena nini kuba yenye yezitshixo zokuphucula iiasethi zakho zobuqu okanye zosapho.

Imisebenzi yorhwebo

bolsa Unesinye isibonelelo sokuvelisa inzuzo enkulu kwingxelo yakho yengeniso, nangona ivela kwindlela enobundlongondlongo. Ukuya kwinqanaba lokuba ubaleke umngcipheko ongaphezulu kunezo ziveliswe ngaphambili. Kwanele ukuba uyazi ukuba ungaphulukana nemali eninzi ekusebenzeni kwaye ngokuqinisekileyo ngaphezulu kunalawo abalwa ekuqaleni. Imalunga nokukukhokelela kwimisebenzi eyenziweyo kwiseshoni efanayo yorhwebo okanye nge-intraday njengoko besaziwa ngotyalomali abanamava ngakumbi kule klasi yokuhamba ngokukodwa.

Ewe, esi sicwangciso sinokuxhamla ngokubonakala kokungazinzi kwiimarike zezemali. Kungenxa yokuba ezi ntshukumo zivelisa ukuhla okubonakalayo kumaxabiso abo. Ngamandla aphawuleka kakhulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Kodwa awuzukukhetha ngaphandle kokwazi ukuba usebenza njani kwezi meko zifunekayo. Ayothusi into yokuba bonke abasebenzisi bayakwazi ukwenza le misebenzi ifuna uqeqesho olubaluleke kakhulu ukuze bazi indlela yokuhlonipha ukungena kunye nokuphuma kwamanqanaba eeasethi zemali. Njengotyalo-mali oluncinci ezi ndawo zinikiwe.

Khangela inzuzo ezinzileyo kunye nexesha

Ngokuchasene noko, abatyali mali abazikhuselayo banesicwangciso-buchule esinye seentsika zabo zokuqhubeka nokwenza ukonga kwabo kunenzuzo. Ungazifumana kwiimali zotyalo-mali ngokwazo njengoko kukho iimodeli ezithile ezibonelela ngolu phawu lukhethekileyo. Nangona kunjalo, iqondo lenzala elinikezelwa zezi mveliso alikho phezulu kakhulu. Ukuba akunjalo, ngokuchaseneyo, bahamba ngemfoloko ukusuka kwi-3% ukuya kwi-5%. Ngesiqinisekiso sokuba uza kuyifumana imali oyigcinileyo kunye nenzala ehambelana nayo. Kodwa ngaphandle kokubanakho ukufumana imbuyekezo entle, njengoko kunjalo nangemali ethe kratya yotyalo-mali yemveli enikezelwa ngabaphathi okanye ngabalamli bezemali.

Ngayiphi na imeko, yenye indlela yokuphuma kwelona xesha linzima kwiimarike zesitokhwe. Kuba ekupheleni kosuku uya kuqhubeka nokufumana ibhaso lokufika ngexesha lolondolozo lwakho iindlela ezilula kakhulu zokuzigqiba. Olu didi lweemali alunaso isithembiso esinamandla, kodwa ukubuyisela inika ukhuseleko kwingxelo yakho yengeniso. Ingakumbi kutyalo-mali olujolise kwixesha eliphakathi nelide. Ke ngale ndlela, ukwimeko ezilungileyo zokwenza ibhegi yokonga ezinzileyo efanele ukwenziwa ngokusemthethweni.

Iirhafu ezinxulumene nemarike yemasheya

bolsa Olukhetho lokugqibela kwisimo sezulu kwezona zihlandlo zingazinzanga kwimarike yemasheya. Kungenxa yokuba uyakuhlala ufumana umdla, nangona kuyinyani ukuba yeyona nto incinci unokugxininisa kuyo ukusukela ngoku. Akumangalisi ukuba isicwangciso sakho sotyalo-mali sisekwe kwinto yokuba ukhuseleko luyoyisa ubungozi. Okokuqala, iqinisekisa ukuba unokuba nengeniso esisigxina minyaka le, ujikeleze ubuncinci ukubuya okujikeleze i-1,50%. Basenokungakuniki okuninzi kwasekuqaleni, kodwa xa ubona indlela ezimalunga ngayo iimarike zezemali eziwayo kancinci kancinci ungatshintsha ingqondo. Kuba inye into eqinisekileyo kwaye yile yokuba kwezi mveliso zebhanki awuyi kuphulukana neyuro enye.

Luhlobo lweedipozithi ezisetyenziswayo ngaphandle kwamandla amancinci kwisibonelelo esenziwe ziibhanki. Awusenazo iimodeli ezininzi njengoko ubunamatyala ambalwa adlulileyo. Kodwa ukuba yanele ukwanelisa le bango unalo kumzuzu okhethekileyo wobomi bakho. Ngexesha lokuvuthwa eliqhubeka phakathi kweenyanga ezili-12 ukuya kwezingama-36 ukuze bakwazi ukuziqhelanisa neprofayile yakho njengotyalomali oluncinci naphakathi. Nangona kungathandeki kakhulu ukuba ngekhe ukwazi ukurhoxisa kwangaphambili kuba izohlwayo zabo ziphezulu kakhulu. Ngamaxabiso ukuya kuthi ga kwiipesenti ezimbini kwiimali ezinkulu ezityaliweyo.


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

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.