Ihlobo lifika ngomnye unyaka kunye nexesha elimiselwe ukuphumla kunye nokuphumla. Ayililo ixesha elilunge kakhulu kutyalo-mali kwiimarike ze-equity. Phakathi kwezinye izizathu kuba ukubonakaliswa ngakumbi kukungazinzi okoko uxinzelelo lokuthengisa lubekwe kumthengi. Ngokwesiqhelo le yinto ibisenzeka kule minyaka idlulileyo kwaye yinto ekhokelele kwinxalenye enkulu yabatyali mali ukuba bazibuyise izikhundla zabo kwiimarike zesitokhwe.
Kule meko ngokubanzi, akukho khetho ngaphandle kokujonga iindlela ezizezinye ezonelisayo ukwenza ulondolozo lube nenzuzo ngalo iziqinisekiso ezinkulu zempumelelo. Nangona ikwiimodeli zotyalo-mali ezinamaxesha amafutshane kakhulu okusisigxina kwaye kwiimeko ezininzi zigubungela iinyanga ezintathu zexesha lasehlotyeni. Ukuze ngale ndlela ukonwabele iholide yakho oyifaneleyo ngoxolo olukhulu lwengqondo. Ngaphandle kokwazi amaxabiso ezinto ezinesivumelwano semali.
Kwelinye icala, awungekhe ulibale ukuba kwezi nyanga i umthamo wekhontrakthi Ukusebenza kweemarike zezemali kwehle ngokukodwa. Ukuza kuthi ga kwinqanaba lokuba uthathe umngcipheko omkhulu kwizikhundla ezivulekileyo kwezi ntsuku zikhethekileyo zonyaka. Ukuze uphuhlise ezi zicwangciso zotyalo-mali, siza kukubonelela ngezimvo zokuhambisa imali yakho ekhoyo. Ngokuguquguquka okukhulu kukhetho lwakho ukuphucula ibhalansi yeakhawunti yakho yejeti ngeli xesha lonyaka.
Ukuqesha iidipozithi ehlotyeni
Enye yeendlela ezizezinye zokupaka imali kwiinyanga zasehlotyeni kukwenziwa kwibhanki yexesha elimiselweyo. Ngokusisigxina kwiinyanga ezintathu elona xesha lihlala ehlotyeni. Olu khetho luvelisa i Inzuzo isondele kakhulu kwi-0,5%. Ewe akuninzi, kodwa ubuncinci kuya kusivumela ukuba singalahleki i-euro enye kutyalo-mali lwethu. Ngoncedo lokuba yimveliso yebhanki ngaphandle kweekhomishini kunye nezinye iindleko kulawulo lwayo okanye kulondolozo.
Kwelinye icala, lithuba lokwenene lokufumana ezinzileyo kunye nenzuzo eqinisekisiweyo kwezi nyanga. Nokuba kwenzeka ntoni kwiimarike zezemali, ngakumbi kwiimarike zezabelo. Ukuze emva kwezi nyanga uphinde uphinde utyalomali kwiimarike ze-equity kwakhona. Nje ukuba iimarike zesitokhwe zicacisiwe kwaye unokuba nesigqibo esingcono sokwenza ukonga ngendlela enenzuzo ngakumbi kunangoku. Apho banokumiselwa khona ngesiqinisekiso esikhulu sempumelelo ngexesha lokwenziwa kwepotfoliyo elandelayo. Kujongwe ngawo onke amaxesha okuhlala.
Amanqaku esithembiso eBhanki njengenye indlela
Le mveliso iyathandeka kakhulu ukuze ibhaliswe kwiinyanga zasehlotyeni. Iyafana kakhulu kwiidipozithi zebhanki, kodwa ngumahluko omkhulu. Yintoni i inzala iya kubizwa kwangaxeshanye uyenza ibe semthethweni kwaye hayi xa iphelelwa lixesha, njengoko kusenzeka kwiidipozithi zexesha elimisiweyo. Kwelinye icala, asinakulibala ukuba ikhontrakthi yabo ibhetyebhetye ngakumbi kunezinye iimveliso ezenzelwe ukonga. Ngamaxesha aqala kwiintsuku ezimbalwa ukuya kwiminyaka eliqela ubude kwaye ukusebenza kwawo kukhula kakhulu de kube kufikelela kwi-1,50%.
Nangona kunjalo, amanqaku ezithembiso asebhankini anengxaki enkulu kwaye ayikokugutyungelwa koko kubizwa ngokuba idipozithi yesiqinisekiso semali. Oku kuthetha ukuba xa iziko lingonanga ungaphulukana nayo yonke imali etyalwe kwimveliso. Ngowuphi umngcipheko wakho omkhulu ngaphambi kwayo nayiphi na imeko yezi mpawu. Ngaphandle kwenqanaba lenzala abanikezela ngayo banomtsalane ngokwenene wokulwa le nto sele siyikhankanyile. Ngenxa yayo yonke le minikelo, ewe, inokusetyenziselwa ukuyibeka ngokusesikweni iinyanga ezimbalwa, ngokuchanekileyo zehlobo.
Ingxowa mali ithengiswa ngegolide
Ukuba okwangoku kukho iasethi eyimali ebalasele ngaphezu kwayo yonke loo nto, ngaphandle kwentsimbi etyheli. Ngokunyanzeliswa ngokucacileyo kulo nyaka kwaye oko kuyenza umdla kakhulu kubatyali mali abancinci nabaphakathi. Njengakwelinye icala, kunzima kakhulu ukutyala igolide, eyona nto icebisayo kukuba utyale imali kwingxowa-mali edwelisiweyo yezi zinto zikhethekileyo kwaye unako Xela inzuzo enkulu eyinkunzi kwezi nyanga zintathu zilandelayo. Ngemveliso engumxube phakathi kweemali kunye kunye nokuthengwa kunye nokuthengiswa kwezabelo kwiimarike ze-equity. Kodwa ngeekhomishini ezinokuthi zifikeleleke ngakumbi kwimidla yakho.
Njengeyona asethi idumileyo ikhuselekileyo, yi-inshurensi yotyalo-mali olwenziwe ngabatyali mali. Ngokukodwa, njengendawo yokulwa ukomeleza idola ukusuka eUnited States, esingqina ukunyuka okuqhubekayo kwaye oko kubangela ukuba intsimbi yegolide ifumane amandla kwiimarike zezemali. Kwelinye icala, nakuphi na ukulungiswa okulungiselelwe abatyali mali lithuba lokwenene lokuthenga. Enye yeeasethi zezemali enezona zinto zibalaseleyo kwaye ivelisa ukukhula okucebisayo kakhulu kwiinyanga zasehlotyeni.
Ityala loluntu: likhuseleke kakhulu
Le yimveliso yobomi bezona profayili zilondolozekayo. Zizinto ezixabisekileyo ikhutshwe ngesaphulelo Ke ngoko, ixabiso layo lokufumana lingaphantsi kunemali eza kufunyanwa ngumtyalomali ngexesha lentlawulelo. Umahluko phakathi kwexabiso lokuhlawulelwa kweBhili (i-euro ezingamawaka) kunye nexabiso layo lokufumana iya kuba ngumdla okanye isivuno esiveliswe nguMthetho oYilwayo kaNondyebo. Njengokuba lukhuseleko lwexesha elifutshane, umahluko kumaxabiso abo kwimarike yesibini uvamise ukuba mncinci; Ke ngoko, babeka umngcipheko osezantsi kutyalomali olindele okanye onokuthi afune ukuthengisa ezi zokhuseleko kwintengiso ngaphambi kokuvuthwa kwazo.
Okwangoku, uNondyebo ukhupha iMithetho eYilwayo kaNondyebo ixesha elisisigxina leenyanga ezi-3 kuphela, ixesha lokuhlala kwehlobo. Umyinge wenzala wale mveliso ingeniso esisigxina usondele kwi-0,17% kwifandesi yokugqibela. Kukungasebenzi kakuhle kodwa kuya kukuvumela ukuba ufike kwinyanga yoMsintsi ngaphandle kwamanani abomvu kwiakhawunti yakho. Kwelinye icala, kwaye njengamanqaku ezithembiso zebhanki, uya kuyifumana inzala kwangaxeshanye ikhontrakthi ingekuko ukukhula kwayo. Into engathandabuzekiyo ekuvumela ukuba ubenemali ethe kratya kwiinyanga apho ucwangcisela khona ikhefu lakho kunye nalapho kukho nezinye iindleko.
Ukuxhamla kunye neziqinisekiso
Kukho ukhetho olugcinelwe kuphela ezona profayili zinkulu zotyalo-mali kwaye kungenxa yemveliso ekhethekileyo njengaleyo imiselwe yimvume. Apho ungafumana khona imali eninzi kwezi zinyanga zintathu uphambili kuzo, kodwa ngendlela efanayo ukuphulukana nayo kuba umngcipheko yenye yeempawu zayo eziphambili. Kungenxa yokuba ibonisa inqanaba eliphezulu lokunyusa Kunemveliso eseleyo zotyalo-mali kwiimarike zezabelo. Isicwangciso kule meko kufuneka sijolise ekugxileni kwizitokhwe ezinotyekelo oluya phezulu, ubuncinci lujolise kwixesha elifutshane neliphakathi.
Iziqinisekiso ziimodeli zotyalo-mali ezahlukileyo ngokwazo ukungazinzi okuphezulu Kwaye kuba inokuba sisisombululo sethutyana kwiingxaki zakho zotyalo-mali kweli hlobo. Nangona sinyanzelisa kuphela abatyali mali abanesimo esinoburharha ngakumbi. Apho banokwabela isixa esincinci semali kude kube yinyanga yoMsintsi kunye nokujonga ngokukodwa ukusebenza okwenziweyo kwezi mveliso zezezimali zilungele ukwenza izikhundla ezinenzuzo ngomda ophezulu wokulamla. Ke ngoko, lumka kakhulu ngolu khetho kutyalo-mali esilucebisayo.
Indawo yokugqibela: yiba kwimali yokuhlawula amatyala
Ngayiphi na imeko, kuhlala kukho ubutyebi bokuthatha ithuba kwiinyanga ekudala zilindelwe ze uzinike ubonelelo phambi kweendleko ezizayo. Hayi ngelize, iya kuba yifomula yokungazikhathazi malunga nokuza kwenzeka ngeli xesha kwiimarike zezemali, zombini ingeniso esisigxina kunye neguquguqukayo. Apho inokuba lithuba lokuhlengahlengisa izikhundla kwimarike yemasheya kwaye wonwabele inzuzo eyinkunzi eqokelelweyo ukuza kuthi ga ngoku. Kwimeko apho kukho, iyakusebenza njengesizathu esipheleleyo sokumka kwiimarike zezemali ixesha elininzi okanye elingaphantsi.
Kwelinye icala, kwaye njengesishwankathelo, kufanele kuqatshelwe ukuba eli lixesha lokutshintsha okanye ukujikeleza ipotfoliyo yolondolozo. Nokuba yeyiphi na impahla okanye iimveliso zezemali ebhalwe ngayo ngalo mzuzu. Ngenjongo ephambili yokuyiphucula kwixesha elifutshane neliphakathi nangaphaya kwezinye iintlobo zokuqwalaselwa kobuchwephesha. Ekupheleni kosuku yintoni ebandakanyekayo kulo naluphi na uhlobo lwesicwangciso kwilizwe elihlala linzima lemali kunye notyalo mali. Kuxhomekeke kwiprofayili oyivezayo njengomtyali mali.