Iimali zotyalo mali yenye yeemveliso ezikhethwayo kubasebenzisi bezemali. Ukulula kwabo ukubhalisa kuyadityaniswa kwesi sihlandlo ngu isixa esikhulu semali yenziwe ziinkampani zolawulo. Phakathi kwezona zibalaseleyo zezo zingaguquguqukiyo, ezisisigxina, imali, isiqinisekiso okanye enye ingeniso, phakathi kwezinye ezibaluleke kakhulu. Ngomdibaniso oqhelekileyo kuzo zonke kwaye oko kuyinxalenye yeempahla ezininzi zemali ezenza ipotifoliyo yakho yotyalo-mali.
Iimali zotyalo-mali, ngaphandle kokungazinzi okuphezulu okubonakalise iimarike zezemali ngo-Okthobha, zibonise tyaba okanye ukungaziphathi kakuhle ngokwemigangatho yokuhamba, kwaye abanamava okuhlawulwa kwemali eyi-493 yezigidi ze-euro ngeli xesha lihlalutyiweyo. Ukuguquguquka okuphezulu kwiimarike zezabelo kwakhombisa indlela yokuziphatha kweemarike zesitokhwe zehlabathi ngo-Okthobha, kunye nokuhla kwenyanga nenyanga kuqoqosho oluhambileyo nolusakhulayo. Ke, umzekelo, ii-indices zebhentshi ezinje nge-IBEX 35, i-S & P 500 okanye i-Nikkei ivala inyanga ngohlengahlengiso lwe-5%, 7% kunye ne-9% ngokwahlukeneyo.
Ukuziphatha kweemarike zentengiso zehlabathi kulungelelanise ukuvela kweasethi yeendidi ezahlukeneyo zeNgxowa mali. Ngapha koko, udidi oluphezulu ukunciphisa umthamo yeeasethi ibiyileyo yeNgeniso yaMazwe ngaMazwe eguqukayo, ethi ngaphandle kokufumana imirhumo ephezulu ngenyanga, yehlise iiasethi zayo ngaphezulu nje kwe-1.252 yezigidi zeerandi. Ngayiphi na imeko, eli candelo liyaqhubeka nokurekhoda olunye lolona nyuso lukhulu kwi-2018 iyonke (i-9,7% ngaphezulu kunasekupheleni konyaka).
Imali: izitshixo zokubazi
Olu didi lweemveliso ezithandwayo zemali zikhokelele kumaxesha amaninzi ongawaziyo kuwo onke amandla alo malunga nento oyityikityayo. Oku nangayiphi na imeko akufuneki uyenze kuba isibonda siphezulu kwaye nayiphi na impazamo kunyulo inokukuxabisa imali eninzi ukusukela ngoku. Ukuba awunalo uluvo oluninzi malunga nengxowa mali yotyalo mali yintoni enye onomdla kuyo kutyalo-mali Kungcono uzibeke ezandleni zomcebisi oqeqeshiweyo ukumisela le nyathelo. Ayothusi into yokuba enye yeempazamo zenxalenye elungileyo yabatyali zimali kukuba abalazi olu hlobo lweemveliso ezizodwa.
Kule meko, ukufunda ubume bengxowa-mali otyale kuyo imali yakho iya kuba lelona nyathelo lililo onalo ngalo mzuzu ukulungisa oku kusilela. Ngale ndlela, uya kuyazi ngamaxesha onke ukuba Ii-asethi eziyimali uyatyala kwaye yeyiphi iqhinga lotyalo mali abayenzayo ekugqibeleni. Kungenxa yokuba kufuneka ukhumbule ukuba ingxowa mali nganye yahlukile. Akukho zimbini ziyafana kwaye oku kwenza ukhetho lwakho lube nzima ngakumbi. Njengakwiikhomishini ezisebenza kuwe ukusuka kumzuzu othile wokuqesha kwabo.
Yazi imvelaphi kunye noyilo lwayo
Le yenye yeeparameter ekufuneka uyivavanye xa uqesha nayiphi na ingxowa mali. Uyazazi izibonelelo zolu hlobo lotyalo-mali? Uyazi ukuba yeyiphi ingxowa-mali otyale kuyo eyona mali? eminye yemibuzo ekufuneka uzibuze yona ukusukela ngoku ngolwazi lwakho olugqibeleleyo nangaphezulu kwezinye izinto eziqwalaselweyo. Kwaye kusekho inani elikhulu labatyali mali abayazi inxenye yolwazi kubalulekile xa utyala imali kolu hlobo lwemoto yokonga. Ukusukela ngoku awunyanzelekanga ukuba ube yinxalenye yale profayili kubasebenzisi.
Ngubani olawula iiasethi zakho? Enye indlela ekufuneka uyenzile ngaphambi kokuqesha. Hayi lilize, iyakukunika umkhondo ongaqhelekanga malunga nengxowa mali yotyalo-mali oza kuthi uyirhumele kwaye nokuba kufanelekile kwiimpawu zakho zokwenyani njengomtyalomali onguye. Ngokuchasene noko, ukuba uninzi lweempendulo zale mibuzo luvuma, iya kuba lolona phawu lubalaseleyo lokuba yonke into ihamba kakuhle kutyalo-mali osele uluphuhlisile. Uya kuzithemba ngakumbi malunga nenkonzo onokuyinikwa yile mveliso yemali ngalo lonke ixesha lobomi bakho.
Inyaniso yemali
Ngomnye umthambo, awungekhe ulibale ukuba inani leeakhawunti ezithatha inxaxheba kutyalo mali zivaliwe ngo-Agasti kwii-11.318.000 zeeyunithi. Ziphantse zingama-200.000 iiakhawunti ezingaphantsi kobude bembali obufikelelwe kuJuni ophelileyo. Uluhlu lokonyuka okuqokelelweyo kweli xesha lokuhlalutya lisaqhutywa yimali yehlabathi, ethi, ngaphandle kokuncitshiswa okwenziwe ngo-Okthobha, kuqokelele ukukhula okungaphezulu kwama-23% ngowama-2018 xa uwonke. aqinisekisiwe nemali zezona zikhule kakhulu ngo-Okthobha, nge-120 kunye ne-52 yezigidi zeerandi, ngokwahlukeneyo.
Oku kuya kukunika umbono ongcono wemveliso yezemali eya kuba phezu kwetafile. Kwelinye icala, iya kukwazisa ngefayile ye- iikhomishini kunye nezinye iindleko kulawulo into oza kujongana nayo. Gcina ukhumbula ukuba ngokungafaniyo nezinye iimodeli zotyalo-mali, kwiingxowa-mali unokufumana iikhomishini ezininzi zeentlobo ezahlukeneyo. Into ekuya kufuneka uphile ngayo ukuba ungumtyali mali rhoqo kolu hlobo lweemveliso zemali. Akumangalisi ukuba yenye yeempawu zayo ezixabisekileyo, njengoko uya kuba nakho ukuqinisekisa ukusuka ngoku ukuya phambili.
Yintoni iiasethi zakho zemali?
Ewe kunjalo, awunyanzelekanga ukuba uqeshe ingxowa mali yotyalo mali ngenxa yokuba, kodwa ngokuchaseneyo, kuya kufuneka ukuba wazi ubume bayo. Ngokukodwa, iiasethi eziyimali ezibandakanyayo kwaye yeyiphi ipesenti ukuze ngale ndlela nawe ube nakho qaphela inkqubela yabo rhoqo kwiimarike zezemali. Ukuba kunokwenzeka, kufuneka basebenze nabo uqhelene nabo kuba sesona sicwangciso-qhinga sokuphepha ukungonwabi ngamanye amaxesha ukusukela ngoku. Kwelinye icala, ukuba unawo nawaphi na amathandabuzo onawo, awusenaso esinye isisombululo ngaphandle kokuya kwiziko apho ubhalise khona ingxowa mali ukuze uyicacise ngolwaneliseko.
Enye into ekufuneka ithathelwe ingqalelo kule mveliso yemali yile inento yokwenza neemali zotyalo-mali, ezinzima ngakumbi kwaye ke zifuna a Iinkcukacha ezithe xaxe elakho icala. Ngale ndlela, akukho lula ukuba uqeshe iimveliso ezingazi ukuba zisebenza njani, kancinci ukuba zinokuvelisa iziphumo ezibi kakhulu ukuba ezantsi ekugqibeleni aziziphathi ngendlela obelindele ngayo kwasekuqaleni. Musa ukoyika ukucela ulwazi oluninzi kwibhanki yakho okanye kwiziko apho wenze khona ngokusemthethweni lo msebenzi.
Ayizizo iimveliso ezikwisalathiso
Inqaku elinye ekufuneka uligcinile engqondweni ukusukela ngoku kukuba imali yotyalo-mali ngokubanzi ayikhange ibonakaliswe. Oku kwenza ukuba ngaba kunjalo idityaniswe nesalathiso sesitokhwe, umzekelo, abayiphindaphinda ngokuchanekileyo kwaye oku kwenza ukuba ube nokudideka ekulandeleleni kwabo. Ukujonga ukuba ayidweliswanga ngendlela efanayo nesalathiso apho ingxowa-mali idityaniswe khona. Ukuba awufuni ukuba nale ngxaki, awuzukukhetha ngaphandle kokurhuma kwingxowa mali yotyalomali oludwelisiweyo kwindalo.
Le yenye yeempazamo ezinkulu ezenziwa ngabatyali zimali abancinci nabaphakathi kwaye kuyenzeka ukuba xa bebona uqingqo-mali lwengxowa-mali yabo lotyalo-mali ayifani naleyo babeyicwangcisile. Ngesi sizathu sichanekileyo kuyacetyiswa ukuba ungaze ujonge ukudibana kwabo, kodwa ngokuchaseneyo, yiya kumthombo othe ngqo, ekungekho kulo mzekelo ngaphandle kwengxowa-mali uqobo. Ukuze ngale ndlela ungabinangxaki zolu hlobo kwakhona kwaye oko kungakunqanda ukuba wazi ukuba yeyiphi imali oyityalileyo otyale yona maxa onke.
Inikwe umda ziikhomishini
Kwelinye icala, kufuneka uqaphele ukuba kwezinye iimali zotyalo-mali, umvuzo onokuthi ube nawo kwingxowa-mali yotyalo-mali unokubekwa ziikhomishini ukuba olu hlobo lweemveliso zemali lubandakanya. Ngale ndlela, kuya kufuneka uyazi ukuba zeziphi iikhomishini ezibandakanya kunye nepesenti yazo ukuze zibe isuswe kwinzuzo zale mveliso. Akumangalisi ukuba kukho iikhomishini ezinokuthi zifikelele kwinqanaba le-2%. Ukuza kuthi ga kwinqanaba lokuba "bangatya" indawo enkulu yeengeniso ebeziqokelelwe de kube ngalamzuzu.
Iikhomishini zinokubaninzi kwaye zinendalo eyahlukileyo kwaye ayizizo zonke ezisebenza ngendlela efanayo njengoko usenokuba uyazi ngoku. Oku kuthetha ukuba kufuneka ulumke kakhulu ngalo mba ukuba kwelinye icala awusoze uzifumane ngokuthenga kunye nokuthengisa izabelo kwimarike yemasheya. Kule meko, akunakwenzeka ukuba iimali zotyalo-mali ziyimveliso yezemali enzima kakhulu, kodwa sinyanzelisa kuphela kule meko. Kwintsalela ayibonisi iingxaki ezigqithisileyo Ukusebenza nabo kuba benziwe phantsi kwesicwangciso esicace gca kubuchwephesha bayo kunye nolwakhiwo.
Kodwa kuzo zonke iimeko kuya kufuneka ulumke kakhulu nabo ukuze ekugqibeleni yonke inkqubo ikhule ngokwento oyilindeleyo kwezi mveliso zezezimali zithandwa kangaka phakathi kwabatyali mali.