Okwangoku, ii-equities zesizwe zibonisa imeko apho kuqheleke kakhulu ukuba amaxabiso athile agqithe ngenkxaso yokubaluleka okuthile. Eli nyathelo liza njengesiphumo sonyuso olwenziwe kwisiqingatha sokuqala sonyaka. Le yinyani ebaluleke ngokukodwa kutyalo-mali kwaye apho kuya kubakho ukwenza isigqibo esona njongo sayo iphambili kukugcina ukuthembeka kulondolozo lwethu. Kungenxa yokuba intshukumo ngokungathandabuzekiyo inokukhokelela kwi Ukuhamba ixesha elide. Okungaphezulu kokutyala kwabatyali zimali abancinci nabaphakathi.
Ukusuka kule meko ngokubanzi, akusayi kubakho khetho ngaphandle kokuyila isicwangciso sokunciphisa iziphumo ezinokuthi zivele ngokushiya abezindaba abafanelekileyo. Apho kuyakufuneka sishiye izikhundla kwiimarike zezabelo ukunqanda ilahleko enokubakho kwiakhawunti yethu yokhuseleko. Ngumba okhoyo ngoku ngeli xesha amanye amaxabiso esalathiso esikhethiweyo semakethi yesitokhwe saseSpain ahamba nale nkqubo kwikoteyishini yabo. IMapfre, iTelefonica okanye iBBVA ngamanye amaxabiso afunyenwe kwezi meko. Ngesi sizathu, kubaluleke kakhulu ukuhlalutya kunye nokuphuhlisa izicwangciso zokwenza ezizodwa, kodwa kwangaxeshanye, iimeko eziqhelekileyo.
Ukwaphuka kwenkxaso yinto ebalulekileyo leyo eya kufuna utshintsho kwi iqhinga lotyalo mali. Ayothusi into yokuba izinto zingenakufana njengoko zinjalo ukuza kuthi ga ngoku. Ngaphandle kokuba utyalo-mali lujolise kwelona gama lide, kwimeko apho sinako ukuvumela ukuphumla kwiintshukumo eziza kuthatha kwiintsuku okanye kwiiveki ezizayo. Kwelinye icala, esi siganeko sobuchwephesha sibonakaliswa kwiigrafu sinokufunyanwa ngokulula. Nokuba ngabatyali mali abanamava amancinci kwiimarike zezemali. Kulula kakhulu ukugqiba ngaloo nto into eyenzekileyo ngexabiso kwaye oko kuyakuchaphazela ingxelo yethu yengeniso.
Ixhasa: ukuphendula kwangoko
Ngalo mzuzu kanye apho ezona nkxaso zibalulekileyo zidiliziweyo, akusayi kubakho khetho ngaphandle kokwenza isigqibo esicingisisa kakhulu. Oku akwenzeki ngaphezulu kokuthengisa izikhundla ezivulekileyo kumvuzo oguqukayo. Ngayiphi na imeko, ukuqinisekisa le ntshukumo ibalulekileyo kwiimarike zemali, kuya kufuneka linda iiseshoni ezimbalwa zokurhweba ide iqinisekise ukuba yenzekile. Ngenxa yokuba inokwenzeka ukuba yialamu engeyiyo apho ungawa khona kwaye ngenxa yoko wenze umsebenzi ombi kwimarike yemasheya. Akumangalisi ukuba yinto ephindaphindwe ngakumbi kunokuba ucinga ekuqaleni.
Kuya kufuneka ulinde umzuzwana ukutyhila oko ikhefu elivelisiweyo liyinyani. Kanye ngeli xesha kufuneka wenze isigqibo malunga notyalo-mali lwakho. Ukuza kuthi ga kwinqanaba lokwenza intengiso iyonke okanye inxenye kuxhomekeke kwisicwangciso-qhinga sakho kwiinyanga ezimbalwa ezizayo. Ngokukhawuleza xa ukwazisa ngokusesikweni ukuthengisa, kuya kuba ngcono kwimidla yakho kuba uya kuphulukana nemali encinci ekusebenzeni. Kufuneka yenziwe ngokukhawuleza kwaye ngaphandle kokulibaziseka okukhulu. Kungenxa yokuba ukuba ulinde ixesha elide, ixabiso lezabelo linokufikelela kumanqanaba asezantsi kakhulu anokwenzakalisa kakhulu intsalela yokusebenza.
Kutheni kusenziwa la manani?
Okokuqala, kuya kuba kubaluleke kakhulu ukuqinisekisa imvelaphi yale ntshukumo. Sisiphumo soxinzelelo kwizikhundla zokuthengisa kubathengi. Ufikelela kwinqanaba apho ujongene nenqanaba apho kuya kukuthatha ukuthatha iindlela ezimbini. Kwelinye icala, ukuqala kwakhona ukuthenga izikhundla ukunyusa amaxabiso abo. Kwaye kwelinye icala, ukuba ukuwa kugqithisile, baya kwenziwa ngamandla amakhulu kunangoku. Kuwo onke amathuba okuba ufumane indawo ekubhekiswa kuyo elandelayo, oko kukuthi, isibiyeli esitsha. Ngobundlongondlongo obuphawuleka kakhulu kwezi meko kwaye oko kukhokelela kumthamo wabo wokugaya ukunyuka ngokubonakalayo. Ayothusi into yokuba yintshukumo eya kutsala umdla omkhulu kwasekuqaleni.
Ngaphandle kwayo nayiphi na imeko iya kuba yindawo yokuhamba oya kuthenga kwiimarike zezemali. Kuya kuba yimpazamo ukuba uya kuhlawula kakhulu kwiimarike ze-equity. Kodwa ngokuchaseneyo, kufuneka yenza lula iphothifoliyo yesitokhwe ngokungxamisekileyo. Awunyanzelekanga ukuba ucinge nzima ukwenza oku kuzimisela ngamaxesha anje. Ukuwa okunokubakho kumaxabiso kunokufikelela kwinqanaba le-10% okanye nangakumbi kubunzima bokuma nkqo. Kuya kufuneka ukhumbule ukuba uxinzelelo lokuthengisa luya kuba namandla kakhulu ukusukela ngoko. Nokuba liliphi ixabiso kunye nohlobo oluqhelekileyo lweemarike zezemali.
Iba kukuchasana okutsha
Olunye uphawu oluphambili lwale ntshukumo kwimarike yemasheya kukuba xa inkxaso igqithile, iba luxhathiso ngokuzenzekelayo. Yinto ebonakalisa ezi nkqubo ekwenziweni kwamaxabiso. Kwaye Kulula kakhulu ukuzibona kwiitshathi, njengoko ubona ukususela ngoku kwiitshathi. Inokukunceda ukuba uphuhlise isicwangciso esiliqili sokutyala imali apho uya kuwazi amanqanaba apho kufuneka ungene kwaye uphume khona. Ngoncedo lokuba unokukhulisa imisebenzi emininzi, nakwiseshoni efanayo yokuthengisa. Ngamafutshane, iya kuba ngumqondiso onamandla kakhulu wokuba iimarike zezemali ziya kukunika ukwandisa zonke iintshukumo kwimarike yemasheya.
Ewe, oku kuchasana kutsha kuya kuba yindawo yokungena entsha ukuba boyisiwe ekugqibeleni. Ukuya kwinqanaba lokuba ungathenga ngobundlongondlongo ngexabiso ukwenza ukonga kunenzuzo ngokhuseleko olukhulu kwisisombululo. Awunakulibala ukuba yi ubuchule obusetyenziswa ngabo bonke abatyali mali. Ngokukodwa abo banamava ngakumbi kwiimarike ze-equity. Ngenxa yokuthembeka kwezi ntshukumo zixhaphakileyo kwizicatshulwa zikunika. Ngobuninzi bokuthenga ngokuchasene nokuthengisa kwizixhasi. Hayi ngelize, yinto elula kakhulu ukuyifaka kwaye ungayenza ngokusesikweni ngaphandle kweengxaki ezigqithileyo.
Amaqhinga onokuwaqesha
Xa kugqityiwe ngenkxaso, umgama kwizikhundla zakho uya kuba ngaphezu kokuyimfuneko, kubalulekile. Kodwa inokuba yeyomzuzwana kuba uya kuba nakho qhubeka notyalomali xa amaxabiso asondele kakhulu kwinkxaso elandelayo, kwaye ukuba nje ayahlonitshwa, iyakuba lixesha elifanelekileyo lokungena kwiimarike zezemali kwakhona. Amathuba ovavanyo ngokutsha aya kufaneleka ngakumbi. Kwaye yintoni ebaluleke ngakumbi, enokubakho okukhulu kuhlaziyo lwayo. Ayilolize, luphawu olucacileyo ukuba izikhundla zokuthenga zifakiwe kwiimarike kwaye ngakumbi kula maxabiso.
Kwelinye icala, kufuneka sikwazile ukoyisa ukuxhathisa. Kungenxa yokuba iyahambelana nomnye umqondiso ocacileyo wokungena kwizikhundla zexabiso. Rhoqo le meko iyathandeka kwimidla yakho eyenza ukuba ubenolwazi malunga nokuvela kwamaxabiso. Ukuba ayisiyiyo yonke imihla, ubuncinci rhoqo ngeveki. Ukungaguquguquki kweli candelo kuya kukunceda ufezekise iinjongo zakho ngendlela eyanelisayo ngakumbi kwimidla yakho njengomtyalomali omncinci nophakathi.
Izitshixo zokungaphazami
Ngayiphi na imeko, iya kuhlala iluncedo ukuba unika imigca yentshukumo ukuze ungaphazami kwiintshukumo ojolise kuzo kula maxabiso. Iya kuba nenjongo echazwe kakuhle eya kuthi isekwe ekukhuseleni igalelo lakho lemali kwasekuqaleni. Ukongeza, iya kuba sisiqinisekiso sokuphucula ukusebenza kwabo. Okuninzi okanye okungaphantsi kunokusekwa kwezi ndlela zilandelayo siza kukuveza ngezantsi.
- Ukwahlula okucacileyo kwezixhasi kufuneka kwenziwe kwifayile ye- Isizathu esifanelekileyo sokushiya iimarike ingeniso eguquguqukayo. Nokuba yeyomzuzwana okanye yethutyana ukubuya kamva ngamaxabiso okhuphiswano.
- Ukuwa okunokuvela kula manqanaba zivakaliswa kakhulu kwaye akufanelekanga ukuba uvuleke kwizikhundla. Kukho imali eninzi ongaphulukana nayo kwezi meko, kwanangendlela ebukhali kakhulu.
- Sebenzisa ezi ndlela zamacebo xa uthenga kwaye uthengisa isitokhwe kunokubonelela ngesakhono sokwakha iphothifoliyo yesitokhwe amaxabiso aqine. Ngale ndlela, unamathuba amaninzi okuphucula imbuyekezo kwisavefu sakho. Okanye ubuncinci ngendlela ekhuselekileyo.
- Esona sicwangciso silungileyo kufanele ukuba sijolise kuso thenga emazantsi omsele kwaye uthengise kwelona liphezulu. Yile ndlela abatyali mali abanamava ngakumbi kule klasi yokusebenza. Ngale ndlela, ubuchule obugqwesileyo kukulinganisa iindlela zabo.
- Ukukhawuleza okukhoyo kwimisebenzi yakho, kokukhona uya kwenza ngcono kulungelelwaniso lwemisebenzi yakho. Awunakulibazisa le midlalo kuba umonakalo kutyalo-mali unokubunzima. Ngamanye amaxesha ngendlela engenakulungiseka, njengoko kulula ukuyiqonda.
- Awuyi kukhetha kodwa hlalutya ixabiso rhoqo lwamaxabiso ezokhuseleko. Ukuze ukwazi ukuqikelela ngokulula kungekuphela nje inkxaso kodwa kunye nokuchasana. Iya kukunceda ukuba uphucule izikhundla zakho ngokulula okukhulu. Ngaphezulu kunokuba unokucinga kwasekuqaleni.