Utyalomali: kufuneka wenze ntoni xa imarike yemasheya iyehla?

utyalo mali

Njengokuba isiqingatha sokuqala sonyaka sisondele esiphelweni, lixesha elifanelekileyo lokuthathela ingqalelo into enokwenzeka ukuba ukusukela ngoku ukutyala imali kwizabelo kulunge kakhulu. Yimeko ekude kakhulu nenyani ngokoluvo lwabanye abahlalutyi beemarike zezemali. Ingakumbi xa ukwehla okukhulu kunokuba bekulindelwe kuqoqosho lwelizwekazi elidala. Kwaye zonke emva kwexesha lokuqala lonyaka ziya kuhlawulwa ngemali eseleyo kwiimarike ze-equity ekufuneka zihlelwe njengezintle ngokuphakathi.

Ewe, siza kukunika uthotho lweengcebiso kwimeko apho ukuwa koyika kwiimarike ze-equity kwenzeka ekugqibeleni. Ukuze ngale ndlela, ukwimo efanelekileyo khusela iiasethi zakho zobuqu okanye usapho. Kuba awungekhe ulibale ukuba ukuba oku kwenzekile ukusukela ngoku, kuyakubakho ii-euro ezininzi ezinokushiya usendleleni kwimarike yemasheya. Ke ngoko, kuya kufuneka ulungele le meko inokuthi ivele kwelona xesha lilindelekileyo ngabatyali mali abancinci nabaphakathi. Ngaphandle kwezinye izinto zobugcisa eziqwalaselweyo esitokisini kwaye mhlawumbi zikwindawo yokujonga izinto ezisisiseko.

Enye yezinto eziphambili ngokubaluleka ukusuka ngoku ukuya phambili kukulindela ezi ntshukumo zinobundlobongela kwiimarike zamasheya zamanye amazwe. Nokuba unethuba lokwenyani lokuba kule meko imbi unakho ukwenza imali ukonga ngobuchule obukhulu ekusebenzeni. Ngelixa kwelinye icala, akufuneki uphumle emva kokusebenza kweemarike zezemali ngexesha lesiqingatha sokuqala sonyaka. Inokuba sisirhashalala esishiya uninzi lweesave zitsaliwe, ngakumbi abo banamava amancinci ekuqeshweni kwemigangatho yorhwebo.

Utyalomali: ukukhetha isitokhwe esizikhuselayo

ukuzikhusela

Elinye lawona macebo asebenzayo otyalo mali ukuzikhusela kwezi ntlobo zeemarike zezemali kukunikezela ikhontrakthi Iimpawu zokuzikhusela okanye ugcina. Apho kwezona meko zibi kakhulu banokuphuhlisa isimilo esingcono kunesinye. Oku kwenzeke kwinxalenye yokugqibela yonyaka, nabameli beenkampani zecandelo lombane. Ngelixa isalathiso esikhethiweyo sengeniso yesizwe sifumene ukwehla okubonakalayo, amaxabiso eli candelo lezeshishini axabisekile kumanani amabini.

Kwelinye icala, ayinakulityalwa ukuba ezi ntlobo zeenkampani zidwelisiwe bahambisa izabelo ezinomtsalane kakhulu phakathi kwabatyali mali kwaye imida yokulamla kwabo iphakathi kwe-5% kunye ne-7%, yenye yezona ziphezulu kwizabelo zamazwe. Ngaphezulu kwezo ziveliswe zezinye iimveliso zebhanki, ezinje ngeakhawunti ezinengeniso ephezulu, iidipozithi zexesha okanye amanqaku ezithembiso zenkampani. Ngayiphi na imeko, sisicwangciso esiliqili sokwenza okanye sokuphuhlisa ipotifoliyo yomvuzo ngaphakathi kwisahluko. Ukwenza ibhegi yokonga ezinzileyo yexesha eliphakathi nelide.

Yiya kwezinye iimarike

Alithandabuzeki elokuba isisombululo esigqibeleleyo sokwenza ingeniso enenzuzo ngexesha lokungazinzi kwiimarike zezemali kusekwe kwintengiselwano yezinye iimveliso. Ukuba kuzo zonke iimeko banokuyenza ngcono kunentengiso yemasheya, njengoko bekwenziwe njalo ngokwesiko kunye nezinye ze izinto ezibonakalayo ifaneleke ngakumbi kwimeko yegolide. Kwelinye icala, ayinakuqatshelwa ngeli xesha ukuba isinyithi esimthubi sibonisa imeko entle yezobuchwephesha njengoko sihamba ngendlela ephezulu echaziweyo.

Enye into enokusetyenziselwa imali inokuba yi-oyile ukuba amaxabiso ayo ahlala ephantsi kwendlela yokuthenga okwangoku. Kule meko, akusayi kubakho khetho ngaphandle kokuya kwiimarike zamanye amazwe apho zidwelisiwe, ngakumbi iUnited States. Nangona oku kufuneka uxhase iikhomishini ngokuqinisekileyo ezibanzi ngakumbi kunelizwe. Kodwa iya kuba ngumsebenzi oya kulunga ngokwenene kuba inzuzo enokufunyanwa inomvuzo ngakumbi. Ngokukodwa ukuba amaxabiso abo agqithile kwinqanaba lama-75 eerandi.

Utyalomali olwahlukeneyo

xabiso

Enye yeenkqubo zotyalo-mali onokuzisebenzisa ukuphuma kule trance kwiimarike ze-equity kukwahlula utyalo-mali lwakho kwiiasethi ezahlukeneyo zemali. Endaweni yokufaka yonke imali oyigcinileyo kwibhasikithi enye, kucetyiswa kakhulu ukuba wena usasaze kwiimveliso ezahlukeneyo zemaliIimali zotyalo-mali, ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya kwaye kunjalo nakwiidipozithi zebhanki zexesha elimisiweyo. Ngale ndlela, uya kuba ukhusela izikhundla zakho kwiimarike zezemali. Kwaye kwimeko embi kakhulu, alithandabuzeki elokuba uya kubeka umda kwilahleko enokubakho ukusukela ngoku.

Ukongeza, yindlela ebonakalayo yokuthintela iimeko ezinzima kakhulu kwimicimbi yakho yobuqu. Apho imeko inokuvela ukuba ulahlekelwe yimali eninzi kukhuseleko olunye okanye kwimveliso yesitokhwe. Kubaluleke kakhulu ukuhambisa imali ekhoyo kwiibhasikithi ezininzi ezinceda ukwenza ibhalansi yokugqibela kutyalo-mali lwakho lube lolulungileyo. Yeyiphi ekupheleni kosuku enye yeenjongo zakho eziphambili ngokubaluleka bajongane naluphi na uhlobo lotyalo mali. Ukudibanisa, ukuba kunokwenzeka, ii-equities kunye nengeniso esisigxina okanye ezinye iifomathi, njengoko kwenza abatyali mali abanamava ngakumbi kolu hlobo lwemeko.

Khetha ulawulo olusebenzayo

Ulawulo olusebenzayo kwihlabathi lemali kuhlala kunika iziphumo ezigqwesileyo kumaxesha okungazinzi okukhulu kwiimarike zezemali. Phakathi kwezinye izizathu kuba iyaziwa ukuziqhelanisa nalo naluphi na uhlobo lwesimo kwiimarike zezemali. Nditsho nakwezona zingathandekiyo kwimidla yabatyali mali abancinci nabaphakathi. Ngaphandle kwezinye izinto eziqwalaselweyo zobuchwephesha kwaye mhlawumbi kude kube kwinqanaba lokujonga izinto ezisisiseko. Ngasentla kweziphumo ekubonelelwa ngolawulo lwemali.

Ngelixa kwelinye icala, ulawulo olusebenzayo lulungele ukuhamba ukuvuselela iiasethi zemali kuxhomekeke kwindaleko yabo. Isicwangciso esoloko silibaleka abasindisi ngenxa yokunqongophala kwengcebiso kwaye enokubakhokelela kwiimeko ezinzima kakhulu kwezi meko zingathandekiyo. Sisicwangciso esisetyenziswa ngokubanzi kwiingxowa-mali zotyalo-mali, zombini zisuka kwingeniso esisigxina kunye nokwahlukileyo. Apho kungekho mali ye-asethi ilahliweyo, kodwa eyona ikhethiweyo ikhethwa ngamaxesha onke.

Amaxabiso angcono olwelo

Enye inkqubo engaze isilele kwezi meko kukukhetha imveliso okanye ukhuseleko olubonelela ngobutyebi obukhulu. Ngeyona njongo iphambili yokuba ungaphuma kwizikhundla zakho ngexesha elibi leemarike zezemali. Ke ngale ndlela, awunakubanjwa kwezinye izikhundla ze-bearish ezinokubiza imali eninzi ukuze uphume kuzo. Kukwabaluleke kakhulu ukuba ukhethe le modeli yotyalo-mali eya kuba lula ukuyisebenzisa kwaye ngaphandle kwenkcitho eyongezelelweyo. Kwelinye icala, kuya kukunceda ukuba ube nokufumana ukulungelelanisa ngcono amaxabiso okuthengisa ekusebenzeni kwiimarike zezabelo.

Ngale ndlela, akukho mathandabuzo ukuba kufuneka thintela iminqwazi emincinci bahlala bekunika inkathazo enkulu yokungena nokuphuma kwizikhundla zabo. Ukuza kuthi ga kwinqanaba lokuba zinokukwenza ukuba ulahlekelwe yimali ngendlela engeyomfuneko kwaphela, njengoko kwenzekile ngamanye amaxesha kwimbali yakho njengomtyali mali. Ngezinye iziphumo ezingafunekiyo kwiiakhawunti zakho.

Ukusebenza kwemakethi

xabiso

Imarike yengeniso esisigxina igcine inqanaba eliphezulu lomsebenzi. Apho ifayile ye- Umthamo opheleleyo Kunyaka ikhule nge-77,9%, emva kokurhweba i-28.750 yezigidi zeerandi kwinyanga ephelileyo, i-85,3% ngaphezulu kunangoFebruwari 2018. Ukongeza, imiba eyamkelweyo kurhwebo inyuke nge-7,8% ukusukela ekuqaleni konyaka kwaye ibhalansi eseleyo inyuke nge-2,9% . Ngokubhekisele kurhwebo lweziphumo zezemali, urhwebo lukhuphuke nge-3,9% kwiinyanga ezimbini zokuqala zonyaka xa kuthelekiswa nelo xesha linye lowama-2018. Ngelixa ngokuchaseneyo, ukurhweba kukhetho lwe-Ibex kunyuke nge-314,6% ngenyanga.

Kwelinye icala, kufanele kuqatshelwe ukuba indawo evulekileyo yazo zonke iziphumo zezemali inyuke nge-7% xa kuthelekiswa nenyanga edlulileyo. Ukonyuka okuphambili kubhalisiwe kwikamva kunye nokukhethwa kwi-Ibex 35, ngokunyuka kwe-6,8% kunye ne-16,5% ngokwahlukeneyo. Ngelixa iifayile ze ikamva kunye nokukhethwa kwistokhwe nako kunokukhula. Kwezi meko, i-3,1% kunye ne-6,6% kwifomathi nganye yotyalo-mali. Ukuqaqambisa umdla kwicandelo labatyali mali abancinci naphakathi kwiimarike zezabelo. Kwimizuzu efana neyangoku apho inzuzo yengeniso esisigxina ikwimbali esezantsi. Ngeziphumo ezithile kumaxabiso ezabelo.


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