Utyalomali kwimarike yemasheya lwenziwa ngokuthenga kunye nokuthengisa izabelo kwiimalike zokulingana kwemali. Kodwa okwangoku unesicwangciso esiliqili sokunciphisa umngcipheko kwaye, ngelishwa, fumana i- intsebenzo kulondolozo lwakho egqitha leyo yeemveliso zebhanki zesiko. Iyabonakala ngexesha lokugcina ixesha eliphuhliswe phantse kuwo onke amaqumrhu ebhanki. Yimveliso ekhethekileyo ekuvumela ukuba uthathe ithuba lokuvela kweentengiso zezemali.
Olunye lweempawu zalo ezifanelekileyo kukuba akukho xesha uya kuba nakho ukuvelisa ilahleko. Kodwa ngokuchaseneyo, uya kuba nenzala emiselweyo kunye neqinisekileyo ngonyaka. Iya kuba ncinane kakhulu, kodwa ukuba iimeko zexabiso elidityaniswe kwiidiphozithi ziyafezekiswa, ungaziphucula kakhulu ezi zinto zingezantsi. Kude kube fumana phakathi kwe-3% kunye ne-6% malunga nenzuzo. Ngayiphi na imeko, ezi dipozithi zinexesha elide lokugcinwa kunakwimodeli eqhelekileyo. Akumangalisi ukuba zihlala zisiya kwi-24 okanye kwiinyanga ezingama-36 apho kuya kufuneka ukuba inkunzi ekhoyo ingasebenzi.
Enye yeenzuzo ezibonelelwa zezi zoyilo zebhanki kukuba zilungelelaniswe nemali efikelelekayo kakhulu kuyo yonke imizi. Ukuya kwinqanaba lokuba ukwimeko yokufumana ikhontrakthi kolu hlobo lweemveliso zebhanki ngesixa esincinci ukusuka kwi-5.000 euro. Kwelinye icala, ababandakanyi iikhomishini okanye enye inkcitho kulawulo lwabo okanye kulondolozo. Baphethe kuphela amaxabiso aphezulu kakhulu ekurhoxisweni kwabo kwangoko kwaye abanokufikelela kwiipesenti ezi-2 kwimali etyalwe kwezi dipozithi. Ngayiphi na imeko, oomatshini bayo bayafana nelinye ixesha lokufaka imali.
Iidipozithi ezinxulumene notshintshiselwano
Ubume beli klasi ledipozithi yexesha elimiselweyo busekwe kwinto yokuba ufumana i Ubuncinci bokufumana inzuzo kwaye ikhuselekile ngokugcina imali oyigcinileyo. Kodwa ukuba kunokwenzeka, inokuphuculwa kunye nendaleko yezabelo apho le mveliso yebhanki inxulunyaniswe khona. Ukuba oku akuphumelelanga, umsebenzisi uya kufumana ukusebenza apho kuthengiswe khona idiphozithi. Ngenxa yezi mpawu, awusoze ufumane ilahleko kwingxelo yakho yengeniso. Esi sesinye sezizathu zokuba kutheni yenzelwe iprofayili yomsebenzisi echazwe kakuhle. Umntu ozigcinayo, ofuna ukugcina ikomkhulu lakhe kwaye ongafuniyo ukuthatha umngcipheko ekusebenzeni kwakhe.
Ngayiphi na imeko, sisicwangciso esikhethekileyo kakhulu sokuphucula umda obuthathaka obonelelwa lixabiso lemali ngalo mzuzu. Ngezinga lenzala oko kunqabile ukudlula amanqanaba ayi-0,1%. Ngaphandle kwesidingo sokuziveza kukuhla nokunyuka kwiimarike zemali, njengokuthenga ngokuthe ngqo kwezabelo kwimarike yemasheya. Nangona ngokuchaseneyo, awuyi kuba nethuba lokuqokelela ukonyuka kwamaxabiso. Ngesi sizathu, ayisiyongcebiso icetyiswayo yexesha lokuthengisa kwiimarike ze-equity. Imalunga nokukhetha ukhuseleko kunenzuzo ngelixa ucinga umngcipheko ongaphezulu.
Izindululo onokuthi uzirhumele
Isithembiso esibonelelwa ziibhanki kule klasi yedipozithi asibanzi kwaye banqunyelwe kwizindululo ezithile ezithile. Enye yezi modeli imelwe yi Idiphozithi edibeneyo iOfisi ngqo sele ithengisa iminyaka eliqela. Oomatshini bayo kulula kakhulu ukuyiqonda kuba isiqingatha sotyalo-mali senzelwe ukumiselwa kunye nexesha elimiselweyo leenyanga ezili-13 ezixela inzala yonyaka ye-0,4%. Kodwa oko kungoyiswa ukuba elinye icandelo lotyalo-mali, elo limiselwe ukulingana, liyazifezekisa iinjongo zalo.
Ayisiyo kuphela idipozithi ekhoyo kwintengiso yebhanki. Kuba ngoku, iNgxowa-mali edityanisiweyo ye-BBVA Fund ikwafumaneka, ekwabela ubuncinci i-30% yemali etyalwe kwingxowa-mali yotyalo-mali kwaye ifikelela kwi-0,75% ngonyaka kwidiphozithi uqobo. Le mveliso yemali inokubhaliswa kwixabiso eliphantsi kubo bonke abasebenzisi, ukusuka kwi-500 euro. Ukwahluka lelinye lamaqela akhethe esi sicwangciso-qhinga. Ukuze ngale ndlela, abagcini mali bangafika kumyinge we-1% kwinqanaba lenzala elinikelwayo.
Ulwahlulo lotyalo-mali
Esi sisitshixo esiphambili apho ezi mveliso zebhanki ziphuhliswa khona. Hayi ngelize, babeka imali kwiipesenti ezinokwahluka phakathi kwengeniso emiselweyo nengafaniyo. Ukuya kuthi ga kwinqanaba lokuba banokulingana, oko kukuthi i-50% kuzo zombini iimodeli ukuze utyalomali ngokubhekisele kwezinye zeemodeli ezichazwe kwezi dipozithi zexesha zingangqinelani. Nangona ekugqibeleni iya kuba nguwe omisela ukukhula, isixa kunye nezinye iimpawu zezi mveliso zemali. Ngaphakathi kunikezelo oluncinci kakhulu kwaye kungafani kwaphela kulolu hlobo lwezinto ezizodwa onazo.
Kwelinye icala, awungekhe ulibale ukuba ezi mveliso zinokunxulunyaniswa nemali okanye ibhaskithi yezabelo. Kuxhomekeke kukhetho lwakho njengomsebenzisi kunye nezinye izinto ekufuneka uziqwalasele ukusukela ngoku. Yindlela ethile enesibindi dibanisa ingeniso esisigxina kunye nengeniso eyahlukileyo. Kodwa ngesiqinisekiso esipheleleyo sokuba ekuvuthweni igalelo lezemali kunye nenzala ehambelanayo iya kubuyiselwa. Ngokunyuka kwenzuzo ngokubhekisele kwiimodeli zedipozithi eziqhelekileyo. Kwinto emiselweyo njengenye yeemveliso zokonga ezinyukayo ngalo mzuzu, nangona ngaphandle kwesithembiso esicacileyo esivela kwiibhanki.
Akukho lahleko zenziweyo
Kuzo zonke iimeko, ziyimveliso exolelwe ekulahlekelweni yilahleko ngenxa yokuhla kwexabiso lemali yexabiso apho kutyalwe imali. Esi sesinye sezizathu zokuba kutheni bevelise isibheno esikhulu phakathi kwabatyali mali abancinci nabaphakathi. Nangona kungekho thuba lokuthatha ubungakanani bonyuka kwiimarike ze-equity. Ayilolize, ukuba ufuna ukufumana i-juicy capital inzuzo kuya kuba ngcono ukuba uye ngqo kwinxalenye yotyalo mali olusulungekileyo. Ukuya kwinqanaba lokuba yi olona khetho lubalulekileyo kwiintshukumo eziya phezulu kwii-equities.
Kwelinye icala, kubaluleke kakhulu ukusukela ngoku ukuba olu hlobo lukhethekileyo lotyalo-mali lunokuba sisisombululo esifanelekileyo sokugcina imali kwezona meko zintle kakhulu kwiimarike zezemali. Ngaphezulu kwemisebenzi yentengiso yesitokhwe ebeka umngcipheko omkhulu ekukhuseleni umdla wakho njengomgcini omncinci nophakathi. Inyaniso yokuba a inzuzo Yiyo ixabiso elongeziweyo ngamaxesha athile. Ukuza kuthi ga kwinqanaba lokuba inokuthi isebenze njengotyalomali lwebhulorho ukuya kwenye imodeli ecacileyo eya kuthi ibangele imbuyekezo enzima ngakumbi.
Izinto eziluncedo zolu didi lweedipozithi
Ixesha elifakwe kwi-equities linikezela uluhlu lwezibonelelo omele uziqwalasele ukuba ufuna ukubhalisa ngexesha elithile ebomini bakho. Ayisiyiyo kuphela indawo yokujonga umvuzo, kodwa ivela kwelinye iklasi lezicwangciso. Umzekelo, ukusebenziseka lula kobume bayo ngokusesikweni nangaliphi na ixesha. Ukusuka kwezi zimvo uya kufumana ngaphezulu kwesizathu esinye sokuba unomdla kolu hlobo lweemveliso zebhanki. Njengakwizenzo ezilandelayo esiza kukucacisela apha ngezantsi.
- Ayifuni i ulwazi olukhethekileyo Iimarike zezemali, kodwa ngokuchaseneyo yimveliso eyenzelwe zonke iintlobo zeeprofayili zomsebenzisi. Ayizomodeli ezintsonkothileyo kwaye ungazilinganisa ukusuka kumzuzu wokuqala.
- Ku malunga Iimveliso eziqinisekisiweyo kwaye ke uya kusoloko ufumana imbuyekezo kulondolozo lwakho. Nokuba kwenzeka ntoni ngexesha lesigxina apho ezi dipozithi zekota zibhekiswa kuzo.
- Yenziwe njengesicwangciso esisebenzayo soku nyusa inzuzo yengeniso esisigxina ngoku. Ukonyusa imbuyekezo ngesishumi sepesenti ngokuthelekiswa neemodeli zesiko.
- Ukunqongophala kwenkcitho yenye yezinto ezikhuthazayo ezifakwa kwiidiphozithi kuba ziya kukuvumela ukuba ube nazo amatyala aphezulu kwiakhawunti yakho yokujonga xa iphelelwa lixesha. Into engakhange yenzeke kunye nezinye iimveliso ezilungiselelwe ukonga.
- Zilungelelaniswe nazo zonke iintlobo zemirhumo yemali kwaye ke ngoko unokwabela inxalenye yengxowa yakho yokonga kolu hlobo olukhethekileyo lotyalo-mali. Ukusuka kwi-5.000 euro Unokuqesha imveliso enezi mpawu.
- Ukuba uza kufuna imali etyalwe kwiinyanga ezizayo, ayisiyiyo eyona modeli intle ekufuneka uyiqeshile. Kungenxa yokuba ine umrhumo wokurhoxisa kwangethuba nto leyo inyanzelisa kakhulu. Ukuza kuthi ga kwinqanaba lokuthatha inxaxheba kwezibonelelo eziye zenziwa ngokusesikweni.
- Kwaye okokugqibela, awungekhe uyilibale loo nto akukho tyala awuzukufumana uhlengahlengiso lwamanani aphindwe kabini. Nokuba iimeko ezityalwe kutyalo-mali lwe-equity ziyafezekiswa. Okona kulungileyo, uya kufumana i-8% yembuyekezo kule misebenzi. Ngaphandle kokukwazi ukufumana imbuyekezo enkulu kwimisebenzi eyenziweyo.