Eli xesha leeholide elenzeka minyaka le lizisa uthotho lwamathandabuzo phakathi kwabatyali mali abancinci kwaye kufuneka bacacise. Eyona iphambili ithathwe kwinto abanokuyenza ngolondolozo lwabo kwezi ntsuku. Ukwazi kwangaphambili ukuba NgoLwesihlanu oMnandi iimarike zesitokhwe zikazwelonke ziyavalwa. Uninzi luvavanywa ukuba lurhoxe kwizikhundla zazo ngelixa lichitha iintsuku ezimbalwa kunye nabathandekayo. Abanye, ngokuchaseneyo, bathambekele ekuvuleleni izikhundla kutyalo-mali lwabo, kwaye apho banokufumana khona inzuzo eyimfuneko yokuhlawula iindleko zezi holide.
Kule veki, kuzo zonke iimarike zezemali ukutshintshiselana kwezokhuseleko kuncinci kakhulu, Thenga uthengise imisebenzi kwintengiso yesitokhwe yehla. Kwaye ngenxa yoko, ukungazinzi kumaxabiso ezabelo kuchazwe ngakumbi kunamanye amaxesha. Kuya kufuneka uyazi ukuba abatyali zimali ezinkulu nabo bayazithatha iiholide zabo, kwaye lo yenye yemihla yonyaka apho le mali iphuma khona kwiimarike. Ngoku kufuneka ube ngulowo unelizwi kwisicwangciso esiza kusetyenziswa ngeli xesha leholide.
Eyona njongo iphambili yezenzo zakho, kuyo nayiphi na imeko, kufuneka ijolise ekukhuseleni ukonga, ngaphezulu kwako konke. Ngale ngqiqo, yonke into Kuya kuxhomekeka kwiprofayili oyivezayo njengomtyali mali: ulondolozo, ubundlongondlongo okanye uphakathi. Kwaye imeko yangoku yezikhundla zakho: ukuba unemali epheleleyo, okanye ngokuchaseneyo, uneendawo ezivulekileyo kwiimarike zezabelo. Kuxhomekeke kwezi zinto zixabisekileyo, umgca wokusebenza kwakho kule veki unokwahluka kakhulu.
Ngaba lixesha lokwenza utyalomali?
Ukuba awunayo iindawo ezivulekileyo Kutyalo-mali lwakho, ukhetha ukuba ulinde iintsuku ezimbalwa ukuba injongo yakho kukuthenga izinto ozikhethileyo. Iya kuba kukulibaziseka nje kweentsuku ezimbalwa, kwaye umphumo wokugqibela uya kukufanele. Ngapha koko, kule mihla ikhethekileyo, ngokwembali akubangakho kuhlaziywa kuphambili kwiinkampani ezidwelisiweyo. Ngaphandle kweziganeko zokubaluleka okukhethekileyo, ezingafane zenzeke kwezi ntsuku zibaluleke kakhulu.
Ukusuka kule meko, isicwangciso sakho sotyalo-mali sichazwe kakuhle. Yeka ukuthatha isikhundla kwiimeko eziqhelekileyo zentengiso. Sukuba nexhala malunga nentengiso yemasheya enyukayo kule veki, kuba uya kuba nexesha kamva lokungena, ngaphandle kokungxama ngamaxabiso. Kwaye ukuba iyehla, iya kuba sisizathu esifanelekileyo sokuthenga kamva ngamaxabiso esitokhwe okhuphiswano ngakumbi. Ngokukodwa ukuba indlela yakho ijolise kwixesha eliphakathi nelide.
Ngapha koko, Yiveki enokukunceda uchaze isicwangciso oza kusisebenzisa kwiintsuku ezimbalwa ezizayo. Nokuba ukhetha ukhuseleko olwenza iphothifoliyo yakho yotyalo-mali. Uya kuba nexesha elikhululekileyo lokwenza olu hlalutyo ngoxolo lwengqondo kwaye ujonge amaxabiso. Ayothusi into yokuba uya kuba nezixhobo ezibanzi zokuhambisa esi sigqibo: ulwazi, imizobo, iingcebiso ezivela kubarhwebi, njl.
Ukongeza, njengoko uguquko lwee-indices eziphambili zesitokhwe kwihlabathi liphela lukhula malunga neenyanga ezintathu besikunyaka omtsha, akuyi kulunga ukuba ungxamele isigqibo. Kuza kubakho amathuba afanelekileyo okungena kwiimarike, kwaye mhlawumbi ngamathemba angcono okwenza ukonga kube yinzuzo. Kungathatha iinyanga ezimbalwa ukwenza ngokusemthethweni umsebenzi kunye neziqinisekiso ezinkulu zempumelelo.
Kwaye ayizukuthandeka into yakho ukuba ulahlekelwe yimali ngale mihla apho kuya kufuneka ujongane nothotho lweendleko ezongezelelweyo: ukutya, ezothutho, ukuhamba, ukuya ezivenkileni ... ke ngoko kuyacetyiswa kunemali Ngaba uyigcinile kwiakhawunti yakho yokutshekisha xa kunokwenzeka nasiphi na isehlo oko kunokwenzeka kuwe ngexesha leeholide. Kwaye xa ubuyile, iya kuba lixesha lokujonga inqanaba lotyalo-mali lwakho, kunye nokuba wenzeni ngeeasethi zakho.
Ngaba ndiyazirhoxisa izikhundla zam kwintengiso yemasheya?
Enye imeko eyahluke mpela ivela kwiimeko apho, kuyo nayiphi na imeko, uneendawo zakho ezivulekileyo kwizabelo. Isigqibo ekufuneka usenzile siya kuba malunga nokulingana kwepotifoliyo yakho yotyalo-mali. Kwaye kwimeko nganye, iya kwahluka kakhulu. Kunye nenqanaba lokusombulula iakhawunti yakho yokutshekisha kwiinyanga ezimbalwa ezizayo.
Eyokuqala yeziganeko kukuba ulahlekile, ngenxa yokuwa kweemarike zentengiso kwihlabathi liphela. Kwaye kwimeko ye-Ibex 35, ihambile kwiinyanga ezisibhozo ukusuka kumanqanaba asondele kumanqaku ayi-11.000 ukuya kwinto yokudlala ngothintelo lwamanqaku angama-8.000. Ukuba le yimeko yakho ethile, Awunandlela yimbi ngaphandle kokunyamezela. Kwaye naphantsi kwazo naziphi na iimeko akufuneki uhlehlise izikhundla ngePasika. Ngaphandle kokuba unyanzelwa zizizathu ezifanelekileyo.
Enye into enokuthi ivuleke kukuba neemeko apho unenzuzo enkulu ekuthengeni izabelo. Ukuba kunjalo, unokhetho ezimbini onokuzisebenzisa. Kwelinye icala, yenza intengiso yenxalenye ukuze ubenemali eyaneleyo ngesandla ukuhlangabezana neendleko eziza kwenziwa kolu hambo. Kwaye kwelinye, ukuvala izikhundla ngokupheleleyo, ngakumbi ebusweni bokudinwa kokuhamba okuphezulu okuphuculweyo kukhuseleko. Akumangalisi ukuba isenokuba lixesha elifanelekileyo lokuyenza, kwaye ubuyele kwiimarike kwiinyanga ezimbalwa.
Inokusebenza njengokuhamba ukwenza olunye utyalomali olulandelayo. Oko kukuthi, ukuba awonelisekanga kukuvela kwezabelo zakho, ungathatha ithuba lale veki uzithengise. Kwaye kwiveki elandelayo ubathumele kwezinye iinkampani ezidwelisiweyo ezibonelela ngobuchwephesha obungcono, ngakumbi ngakumbi ngamathuba okuhlaziya kwiimarike zezemali.
Zithini iinjongo zakho ngeli xesha leholide?
Awuyi kubakho nakweyiphi na iveki, kodwa kwiintsuku ezimbalwa apho ukuphumla kunye noxolo kuya kubakho. Kwaye ezi mpawu zizinto ekuya kufuneka ukuba ube nazo negalelo kubume botyalo-mali, nokuba yeyiphi na iprofayile oyivezayo. Kungoko kuphela apho uya kufezekisa iinjongo zakho ngamandla amakhulu. Ukukhusela zonke iintshukumo ukuba wenze ngokusesikweni ngeli xesha likhethekileyo lonyaka.
Injongo yezenzo zakho ayizukuba yenye ngaphandle kokukuthintela ekuphulukaneni nenxalenye yolondolozo lwakho kule veki. Njengoko unokuchitha iintsuku ezimbalwa uphumle, ukulibala imizuzwana embalwa ukuvela kweemarike zezemali kunye nehlabathi lezemali. Iya kuba lixesha elifutshane kakhulu, apho uya kuba nakho ukubuyisa amandla akho, ukumisela iikhrayitheriya zakho ngokuqina okukhulu kunye nokuqiniseka xa ubuya eholideyini.
Ukwenza oku, kuya kufuneka ucace gca malunga nento oyifunayo kunye neenjongo zakho. Nje ukuba le mibuzo ichazwe ngokucacileyo, kuya kuba lula kakhulu kuwe ukumisela iikhrayitheriya kwinto omele uyenze nokonga kwakho ngeli xesha lePasika. Kwaye kuloo ndlela ngokubanzi baya kushwankathelwa kwezi ndlela zilandelayo.
Isigqibo sokugcina imali ngokuchanekileyo
Akufanele ube nesidingo sokusebenza kwiimarike ze-equity, ngokuchanekileyo kwezi ntsuku ziqhelekileyo kwimarike yemasheya, kuba unyaka mde kakhulu kwaye kuya kubakho amathuba afanelekileyo okuthatha izikhundla kwiiasethi eziyimali eziyintloko, nangolwazi oluthe kratya.
Kuzo zonke iimeko, ukhuseleko lokonga kufuneka lubekhona kwimisebenzi yakho ngaphezulu kweminye imirhumo, kwaye kuthintelwe nasiphi na isibonakaliso sokungazinzi okuphuhliswa ziimarike zamasheya ngeli xesha lonyaka.
Ukuba ufuna ukwenza utyalomali lwakho lube nenzuzo ngexesha leVeki eNgcwele ungarhuma kwezinye iimveliso zebhanki ezikhuselekileyo, njengediphozithi enenzuzo enkulu, kunye nexesha elifutshane kakhulu lokusisigxina. Ngale ndlela uyakukhusela ngokufanelekileyo kwiminikelo yakho yemali, ngokuthembela kwimbuyekezo eqinisekisiweyo, nangona iphantsi kakhulu.
Sukuzama ukukhawulezisa kule mihla imisebenzi yokuthenga nokuthengisa izabelo, kuba ayizukuvakala, ngaphandle kokuba ufuna imali ukuze ukwazi ukuhlangabezana neenkcitho eziphambili eziza kuvela kwezi holide. Nangona ukungenisa umngcipheko omkhulu kwesi sigqibo.
Kuya kufuneka ukhumbule ukuba Isiqingatha nje sale mihla sizakuba lishishini ukuze usebenze kwiimarike zezabelo. Ke ngoko, akuyi kuba yinzuzo kuwe ukugxila ekusebenzeni ngemihla embalwa kangaka, kunye nokuhamba okunomda ngakumbi kunesiqhelo.
Awona maxesha afanelekileyo okuhamba okuphezulu kuya kwenzeka ukungqinelana okuthile, kwaye ngenxa yesizathu esinye, ukwehla kwexabiso akubalulekanga kangako. Akumangalisi ukuba uzinzo lwamaxabiso kuhlala lolunye lwezinto eziqhelekileyo kule veki.
Lixesha elilunge kakhulu uku yonga imali kwiimveliso ezikhuselekileyo, kwaye banamazinga aphezulu okuhlawula amatyala. Mhlawumbi unokuqesha ingxowa mali yotyalo mali odibana nayo kwezi njongo ziyimfuneko.
Ukuba uneendawo ezivulekileyo kwiimarike ze-equity, Hlala unolwazi ngeselula yakho malunga nendlela izinto zakho eziguqukayo, ngaphambi kokuvela kwawo nawuphi na umthombo wokungazinzi kwiipaki kwaye kuya kufuneka ungxamele ukuthengisa izikhundla zakho ngexesha leholide.
Sukuzama ukwenza imisebenzi ekhawulezileyo ngeentsuku zokuqala zeveki ukufumana inzuzo eyimfuneko yokuhlawulela iholide yakho. Ubeka emngciphekweni wokuba umdlalo uphume kakubi, kwaye uneengxaki zokuhlawula amatyala ngemihla yokugqibela.
Kwaye ekugqibeleni elona cebiso lililo lokuba ube nexesha elingcono ngeli xesha leholide lilandelayo kukuba uyalibala ngalo lonke utyalomali lwakho, kwaye jolisa ngokukodwa ekuphumleni nasekuphumleni nosapho kunye neqela labahlobo. Akumangalisi ke ukuba ulifanelwe likhefu lokuphumla emva kokubona ukungazinzi okuphezulu okuboniswa yimarike yestokhwe ekuqaleni konyaka.