Ukuba uthatha isigqibo sokutyala imali oyigcinileyo kwii-equities, yenzelwe injongo ekhethekileyo, ekungekho enye ngaphandle kokufumana imbuyekezo ebonakalayo eya kwiakhawunti yakho yokutshekisha. Okukhona zininzi, kokukhona kulunge ngakumbi kwimidla yakho, akukho mda kwiimarike zemali. Kodwa kunokwenzeka kuwe oko uguquko lwezenzo zakho aluphuhlisi ngendlela obuya kulindela ngayo ekuqaleni. Le yimeko engafunekiyo apho umlinganiso wakho wokuqala uyakuba kukukhusela ulondolozo lwakho.
Ukusebenza kokukhubazeka kuqhelekile phakathi kwabatyali zimali abancinci nabaphakathi, kwanaphakathi kwabona banamava. Nayiphi na idatha yezoqoqosho, iziphumo zeshishini, okanye iintshukumo zomdibaniso zinokuphazamisa ulindelo olwenziwe emva kokumiselwa ngokusemthethweni kokuthengwa kwiimarike. Kunokwenzeka ukuba ungayiphephe, kodwa kweli nqaku uza kufumana ezinye ze Izitshixo ukuze izinto zingahambeli phambili kwaye zilahlekelwe yimali eninzi ekusebenzeni.
Okokuqala, kuya kufuneka uthathele ingqalelo ixesha lotyalo-mali olujolise kulo: elifutshane, eliphakathi okanye elide. Kuxhomekeka kolu luhlu, uya kuba nakho ukusebenzisa ezinye iindlela ngeendlela kunezinye. Kwaye ngaphezulu kwako konke, sebenzisa icebiso eliluncedo kakhulu kwezi meko, ezibandakanya kutyalomali kuphela loo mali ongazukuyisebenzisa kwixesha elingaphezulu okanye elingaphantsi kwengqiqo. Akunanto, ukuba uyayihoxisa, uya kuba neengxaki ezingaphezu kweyodwa ukujongana neendleko ezivela ngexesha elithile: ukuhlawulwa kwamatyala, uxanduva lweerhafu, okanye ukuhlawulwa kwerenti yendlu yakho.
Ukhuseleko kunye nokuhlawula amatyala
Ayizizo iimeko ezincomekayo kakhulu, kuba ukuba imeko yemarike yemasheya yakho ayihambi ngamaxesha amnandi, uyakunyanzelwa ukuba usebenze kakubi kwiimeko ezininzi. Ngokuqinisekileyo kunye nelahleko ezininzi, ethi ekuthengisweni kwayo emva koko inyamalale kwimpahla yakho. Ukuthintela oku, isisombululo sale ngxaki sinokulala Thenga izitokhwe ngezahlulo eziphezulu, ngengeniso eyi-avareji yonyaka isondele kwi-6%. Esi sicwangciso sokurhweba siza kukuzisela izibonelelo ezininzi xa kufuneka ujongane nentlawulo okanye iindleko. Isizathu kukuba baya kukuhlawula umvuzo osisigxina, phakathi kwesi-1 nesi-4 amaxesha ngonyaka, okuya kukunceda ukuba ubenakho ukuhlangabezana neendleko ezincinci.
Kodwa into exhalabisa ngokwenene iya kwenzeka kuwe xa ubona indlela izenzo zakho zikwindawo engathandekiyo. Ngokuqinisekileyo ulwalamano olumnandi, kude nalo. Awuyi kwazi, kumaxesha amaninzi, ukuba wenzeni ngezabelo zakho, nokuba uza kuzithengisa ucinga ngelahleko, uzigcine kwipotifoliyo yakho, okanye uzitshintshele ngokuthe ngqo kolunye ukhuseleko olunolindelo oluphezulu lovavanyo, kwaye ikwanobugcisa obuhle inkalo. Iya kuba sisigqibo esizimisele kakhulu ekufuneka usenze ngexesha elikhawulezayo, kungekho ngaphezulu kweentsuku ezi-2 okanye ezi-3. Ukuba awufuni ukubona ukuba ukukhubazeka okuvelisiweyo ukuza kuthi ga ngoku kunokuba nzima ngakumbi kwiinyanga ezizayo, ngomngxunya onzulu ...
Iingcebiso ezisibhozo zokunciphisa ilahleko
Iya kuba ngumzuzu wokuthatha isigqibo, ngokugqibeleleyo kwiimeko ezininzi, uhlalutya ubume beeakhawunti zakho. Ngenjongo enye, eyokukunceda uthathe esona sigqibo sichanekileyo kwimeko nganye, kwaye nalapho uthotho lweengcebiso luya kuboniswa oluya kuba luncedo kakhulu ekuqwalaseleni imisebenzi yakho kwiimarike zezabelo. Nokuba ucinga ukuba uyakuhlala unesigqibo sokugqibela kunye nesokugqibela kutyalo-mali lwakho.
Isitshixo sokuqala: faka i-odolo yokuyeka ilahleko
Xa usiya kubeka ngokusesikweni ukuthengwa kwezabelo, akufuneki ulibale ukubeka iodolo ethintela ilahleko enokubakho kutyalo mali. Ziye zithandwa kakhulu Umyalelo weelahleko zokumisa ezisetyenziselwa ukukhusela ekuweni okukhulu kwixabiso lazo. Ukuyiphumeza, kuyacetyiswa kakhulu ukuba uhlalutye ukuya kweliphi inqanaba lokuncipha onokufikelela kulo. Ngamanye amaxesha iyakuba yi-2%, kwezinye iyokutsho kwi-5%, kodwa ingabi phezulu kakhulu.
Ngale ndlela, ekudodobeni kweemarike zesitokhwe, uya kuthintela izilungiso ekubeni nzulu ngakumbi kwaye usebenze emngciphekweni wokuphulukana nesixa semali. Nokuba awunakufanisa nayo. Akunanto, Kuhlala kulunge ukushiya i-3% yolondolozo, hayi i-10%. Iintshukumo zokulungisa ezenzekayo kuya kufuneka zisikwe kwasekuqaleni, kwaye ujongane nendawo yokuba wenze impazamo.
Isitshixo sesibini: utshintsho kwisicwangciso-mali
Le meko, engafunekiyo kwimidla yakho, inokuba ikhule ngenxa yempazamo yakho. Uya kuba nexesha lokulungisa impazamo kwaye ngokuqinisekileyo utshale utyalo-mali lwakho. Isicwangciso esiphambi kwale ndlela siza kubandakanya ukutshintsha kwexabiso, kwaye uzikhokele kwabanye ababonisa ubuchwephesha obungcono bokuthatha ithuba lokuphononongwa kwakhona.
Umsebenzi wokutshintsha phakathi kukhuseleko olwahlukeneyo luya kwenziwa ekuqaleni ngelahleko ngenxa yentengiso eyenziwe emva kokungaphumeleli kokusebenza. Nangona kunjalo, unokumisa ukuhla kwexabiso lolondolozo lwakho ngendlela egqibeleleyo. Kwaye kwelinye icala, uya kukhetha isindululo esikhuselekileyo malunga nendaleko enokuthi ithathe kwezi seshoni zilandelayo zorhwebo.
Isitshixo sesithathu: hlukanisa utyalo-mali lwakho
Ukuthintela ukungena ngaphakathi kwipotifoliyo yakho yotyalo-mali, awusoze wabela yonke imali yakho kwikampani enye edwelisiweyo. Kwaye kuncinci ukuba iyathekelela, okanye ubuncinci ivelisa ukungazinzi okubanzi kumaxabiso ayo, ngaphezulu kwesiqhelo. Kuyinyani ukuba unokufumana imali eninzi ekusebenzeni, kodwa kunokuba kubiza kakhulu ukuba i-downtrend ithatha ukunyakaza kwakho.
Ukwahluka kutyalo-mali yeyona ndlela ilula onayo ukuze le meko ingenzeki kwiinyanga ezizayo. Yayo, Kuya kufuneka uphuhlise ipotifoliyo efanelekileyo kwaye elungeleleneyo yotyalo-mali ethathela ingqalelo amacandelo ahlukeneyo, iinkampani, kwaye kuya kucetyiswa kakhulu ukuba kubandakanye ezinye ii-indices. Ngenxa yesi sicwangciso, uya kuba nakho ukunciphisa umda ngelahleko ngokugqibeleleyo, ngakumbi xa lowo uchaphazelekayo kwezi ntshukumo ekhuselekile ngokukodwa.
Isitshixo sesine: musa ukubeka emngciphekweni imali egqithileyo
Ukuba awucacanga ncam ngesindululo osenzileyo ngokusesikweni kwiimarike zezemali, kungcono ungachithi lonke ulondolozo lwakho. Ukuba iphakathi kwe-20% kunye ne-40% yetotali iyonke, iya kuba ngaphezulu kokulingeneyo ukukhusela kwiimeko ezingalunganga zomdla wakho. Ngeemali ezincinci kuya kuhlala kulula ukuthwala ilahleko.
Esi sicwangciso sitsha sotyalo-mali sinokuncediswa neengcebiso zangaphambili, ukukhetha i Ukhetho olubanzi lwesitokhwe esenza iphothifoliyo yakho ngokufanelekileyo. Kuyanqweneleka ukuba uninzi lweenkampani ezivela kwezona ndawo zikhuselayo zamashishini ezikhoyo: umbane, iindlela, ukutya, njl. Iya kuba yeyona ipasipoti yenziwe ngcono ukunqanda intshukumo yokulungisa ukuba ibonakale ngakumbi kwaye iqhubeke.
Isitshixo sesihlanu: ukuthintela imeko ye-bearish
Akukho luthintelo lukhulu ekuqinisekiseni ukuba ipotifoliyo yotyalo-mali ayiyeki kunokuba uyeke ukuthatha izikhundla (ukuthenga) kwiimeko ezicacileyo ze-bearish. Yenzelwe yona Kuya kufuneka uhlalutye iimarike zentengiso ngeetshathi, apho uza kuwubona ngokucacileyo umba wobugcisa. Kwaye ayitsho ngaphandle ukuba amaxabiso asimahla asoze abe yinto yohlalutyo lwakho ukwenza nawuphi na umsebenzi. Yeyona meko inokwenzeka inokwenzeka kwimarike yemasheya.
Kwaye okona kubi kukwenziwa kwemisebenzi, xa ukhuseleko lwaphula izixhasi zalo. Ukuba le meko iyenzeka, rhoqo kwelinye icala, awuzukukhetha ngaphandle kokufaka iodolo kwangokoNgaphandle koko, ufuna ukuba inxalenye yenkunzi yakho inyamalale kwiiseshoni ezimbalwa zokurhweba. Ngumthetho wegolide wokuba bonke abahlalutyi bemarike yemasheya bacebise, ngaphandle kokukhetha, ukunqanda loo nzuzo inkulu ikhukhula utyalomali lwakho.
Isitshixo sesithandathu: musa ukuzibekela iinjongo zexesha elifutshane kakhulu
Amaxesha okusisigxina kwimarike yemasheya abaluleke kakhulu, kwaye unokubeka imeko kwindalo yotyalo mali. Ayothusi into yokuba uhamba ixesha elide unokuhlala uthatha umngcipheko, kwaye ngenxa yoko, zigcine kwiphothifoliyo yakho iminyaka embalwa, ngaphandle kokuthengisa izabelo kwiimfuno zeakhawunti yakho yokujonga.
Kuyinyani ukuba awuzukutyala imali oyongele ukubashiya kwilifa labantwana bakho, ewe akunjalo. Kodwa kumgaqo, Akukwacetyiswa ukuba uqwalasele amaxesha amafutshane kakhulu anokuqhushumba ebusweni babo nabuphi na ubunzima. Ukubalathisa kwixesha eliphakathi, phakathi konyaka omnye ukuya kwemithathu inokuba yeyona nto ibalulekileyo yokulumkisa ukuze ingcebiso yakho yotyalo-mali ingaveli kakubi.
Isitshixo sesixhenxe: funda iimpazamo zexesha elidlulileyo
Ngokuqinisekileyo sele udlule kule meko. Ukuba kunjalo, kuyakukunceda ungaziphindi, kwaye ufunde izifundo eziphawule ikhondo lakho njengomtyali mali omncinci. Kuya kufuneka ucamngce apho wenze isiphoso khona, ukuze loo nto inye ingaphindi yenzeke. Uya kufikelela kwisigqibo sokuba ukuze ufumane intsebenzo elungileyo, kuya kufuneka ukuba udlule kwiimeko ezingathandekiyo ngenxa yomdla wakho.
Nokuba awuziva ukhuselekile kwaye uzithembile ngokuqhuba urhwebo lwesitokhwe, kuyacetyiswa ukuba beka imali oyongele ezandleni zabaqeqeshiweyo ukuze bazi indlela yokuyilawula ngendlela efanelekileyo. Kwibhanki yakho banokukunceda uyile imodeli yotyalo-mali ekhuselekileyo, kwaye ngale ndlela ukhusele imali oyityalileyo.
Isitshixo sesibhozo: ungaphelelwa lithemba, yingxowa leyo
Kwaye okokugqibela, cinga ukuba uthatha umngcipheko onamandla ngokutyala imali yakho kwimarike eyahlukileyo njengeequity. Inamandla kwaye inokutshintsha okunamandla kumaxabiso ayo. Kwaye ukuba ufuna ukhuseleko ngakumbi, kuya kuba ngcono uye kwezinye ii-asethi eziyimali, ikakhulu ukusuka kwingeniso esisigxina, nangona ukusebenza kwabo kuya kuba sezantsi. Kodwa ubuncinci baya kukuqinisekisa ngengeniso encinci.