Enye yeendlela ezinokuthi ziyekwe ngabo bayekayo tshintsha utyalo-mali lwakho kungenxa yexesha elide. Nangona kunjalo, umbuzo ovelayo kunye nokuhamba rhoqo yinto eqondwa ngeli xesha lokuhlala. Ewe, ngokubanzi unokujonga ukuba lutyalo-mali lwexesha elide xa izikhundla zimiselwe oko ubuncinci iminyaka emibini okanye emithathu. Kodwa ngaphandle komda ngokwemihla yokuphelelwa kwayo kuba unokukhetha naliphi na ixesha. Nokuba uyiphila ngonaphakade njengendlela yokwenza ibhegi yokonga umhlala phantsi.
Ezi ntlobo zotyalo-mali zenzelwe abasebenzisi abachazwe kakuhle. Bangabantu abaneprofayile yokuzikhusela kakhulu kwaye bangene apho ukhuseleko lukhona ngaphezulu komngcipheko. Ihambelana nenxalenye elungileyo yabatyali mali abadala abafuna ukwenza ukonga kwabo kunenzuzo ngezi zindululo kwizabelo. Ngayiphi na imeko, ayijoliswanga ekusebenzeni kwendalo yokuqikelela okanye efuna uguquko olukhulu loku-odola ukuthengwa kunye nokuthengiswa kwiimarike zemali. Ayothusi into yokuba yenye yeempawu zayo eziphambili.
Imisebenzi emide abanyanzeli nto ikhethekileyo, ngokungafaniyo nemisebenzi ejolise kwixesha elifutshane. Kungoko kanye kwesi sizathu kungabikho luhlu lwabatyali zimali abancinci nabaphakathi abangafakwanga. Wonke umntu unokuthatha izikhundla kula maxesha amade. Apho abakukhangelayo kukunika indawo yokuphuma yegalelo labo lezemali ukufezekisa ukusebenza kwabo okuphezulu. Ukongeza, ngokwandisa imigaqo, ivumela imbuyekezo kulondolozo ukuba ibe nomtsalane ngakumbi kunokuba imiselwe ixesha elifutshane okanye eliphakathi.
Ixesha elide, kutheni ukhetha?
Esona sizathu sibalulekileyo sokuba kutheni ungayikhetha le modeli kutyalo mali kungenxa yokuba inokubonelela ngokhuseleko olukhulu kwimisebenzi eyenziweyo. Kungenxa yokuba, unalo ixesha elifunekayo lokufumana kwakhona izikhundla ukuba nangasiphi na isizathu ukuvela kwezabelo akwenzi ngendlela obulindele ngayo kwasekuqaleni. Ngenxa yolu phawu lubalulekileyo awuyi kuziva unyanzelekile ukuhlangabezana nexesha elimisiweyo. Kodwa ngokuchaseneyo, uya kuba nakho ukuba nomonde ngakumbi kunezinye iimeko kunye neemeko. Iya kuba yeyokutyala imali yakho ngendlela ekhululekileyo kunabanye.
Le misebenzi ikwabonakaliswa yinto yokuba ngexesha lokugqibela kwezikhundla, ungazitshintsha ngokokuthanda kwakho. Oko kukuthi, yenza ukuthengwa okutsha okanye ukugqitha Inxalenye okanye intengiso iyonke. Ngenjongo ecace gca kwaye ayikho enye into ngaphandle kokuziqhelanisa neemeko ezintsha kwizabelo ezinokuvela. Zombini kwiintshukumo zokunyusa kunye nokuhamba kwiimarike zemali. Ukuze ngale ndlela, umvuzo ube mkhulu xa uthatha isigqibo sokuhlawula izikhundla zakho kwiimarike zezemali.
Inkunzi yale misebenzi
Omnye umbuzo omele uzibuze wona sisixa ekufuneka usinikeze ukwabelana ngemisebenzi yokuthenga. Ngale ndlela, akukho mahluko mkhulu ngokubhekisele kwimisebenzi kwixesha elifutshane neliphakathi. Nangona inqaku elifanelekileyo kwaye inento yokwenza noqikelelo. Ibhekisa kwimbophelelo ekufuneka uyibonile kwangaphambili iindleko oya kuthi ujongane nazo kwiminyaka ezayo. Phakathi kwabo, uxanduva lwerhafu, isikolo sabantwana, iindleko zamakhaya okanye uhlahlo-lwabiwo mali lweeholide.
Ukusuka kule meko, isixa ekuya kufuneka uncedise kolu tyalo-mali siguquguqukayo. Kuxhomekeke kulondolozo oluqokelelweyo kunye nohlahlo-lwabiwo mali olibelweyo kwiminyaka embalwa ezayo. Ngayiphi na imeko, awuzukukhetha ngaphandle kokushiya ezinye okanye ubonelelo olwaneleyo kwiakhawunti yakho yokujonga. Ukusebenza phambi kwayo nantoni na enokwenzeka kuwe ukusukela ngoku. Ngayiphi na imeko, esi sisigqibo sobuqu ekufuneka usicamngce ngokuzola. Kodwa ngaphezulu kwayo yonke ngokusebenzisa ikhaltyhuleyitha yakho ukubonisa ukuba leliphi na inani elinokuthi ekugqibeleni ulabe ngokutyala imali kwimarike yemasheya.
Ngawaphi amaxabiso asezantsi?
Le yenye yezinto ezinomdla kakhulu kubatyali mali abakhethekileyo kwixesha elide. Kuba ayizizo zonke ezifanelekileyo. Akukho ngaphantsi kunokuba unokucinga. Ukufikelela kwinqanaba lokuba kufuneka babe ngamaxabiso entengiso yemasheya kwaye eneempawu ezichazwe ngokucacileyo. Kuya kubaluleka kakhulu ukuba abanako ukuguquguquka okukhulu kwixabiso labo locaphulo. Kodwa endaweni yoko, kwaye babonisa umahluko ezimbalwa phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Ukuze ngale ndlela ungafumani isimanga esibi kwaye oko kunokubangela ukuba ipotifoliyo yotyalo-mali yehle.
Nje ukuba ezi zihluzi zibalulekileyo zisetyenziswe kukhetho, inyathelo elilandelayo iya kuba kukufumana izindululo ezizinzileyo kwiimarike. Ukuze ube kwezona meko zintle zokufezekisa intsebenzo emiselweyo minyaka le. Nangona kunjalo awulindelanga ukuba iipesenti zibaluleke kakhulu. Ukulungiselela loo nto, kukho ezinye izinto ezikhuselekileyo ezisebenza ngcono ngamafutshane. Amaxabiso athi yiba lulwelo kakhulu kwaye bazithembile kwiimalike zemali.
Isigqibo esifanelekileyo iya kuba kukukhetha abameli be icandelo lombane. Banikezela ngokhuseleko olukhulu kunabanye olungabalulekanga kangako. Ukongeza, zikulungele kakhulu ukuphuhlisa olu hlobo lwemisebenzi. Apho ungalindelanga ukuphononongwa okumangalisayo, kodwa endaweni yoko banokukunceda ukuba uqwalasele ibhegi yokonga enamandla ngakumbi iminyaka emithathu, emine okanye emihlanu. Elinye icandelo lee-equity elinokuba luncedo kakhulu ekukhuthazeni esi sicwangciso sotyalo-mali lelo libhekisa kukutya. Kungenxa yokuba isebenza ngcono nakwezona meko zibi kwizabelo zamashishini ezingenanzala emisiweyo. Zombini kwiimarike zezemali zikazwelonke, nangaphandle kwemida yethu.
Isivuno esiphezulu sesahlulo
Awunakulibala kukhetho lwale phothifoliyo ukhuseleko olunesivuno esihle. Kuba ngale ndlela, unokuqiniseka imbuyiselo emiselweyo neqinisekisiweyo minyaka le ukuya kuthi ga kwi-8%. Unenzuzo ngakumbi kuneemveliso zebhanki (iidipozithi zexesha, amanqaku eshishini okanye iibhondi ezihlanganisiweyo). Kwimeko apho, okwangoku abaxeli ngaphezulu kwe-1,5%. Ewe, esi sisicwangciso esiliqili sokubonelela ngobutyebi minyaka le, kodwa ngaphandle kokulibala malunga nokulingana.
Unenzuzo enkulu onokukhetha kuyo. Kuwo onke amacandelo naphantsi kwazo zonke iimpawu. Ukuze ngale ndlela wenze isigqibo esifanelekileyo sokukhusela umdla wakho njengomtyali mali ophakathi nophakathi. Yonke, ngaphandle kwendaleko kwezabelo kwiimarike zezemali. Kuba ngokwenyani, uya kuba neendlela ezimbini zokunyusa ikapitali yakho ukusukela ngoku. Kwaye ngakumbi ukuba izikhundla zakho zijolise kule mihla imiselweyo. Nditsho ukuyabalela ixesha lokufika komhlala-phantsi.
Zeziphi iindlela onokuzisebenzisa?
Ngayiphi na imeko, unemigca eliqela yezenzo zotyalo-mali kwixesha elide. Enye yazo ibandakanya ukuvumela inzuzo ukuba iqokelele. Njengakwelinye icala kwenzeka ngamanani amahlelo eebhanki zehagu. Apho ixabiso layo lixabisa kancinci kancinci kwaye ngaphandle komehluko obonakalayo. Esinye sezicwangciso onokuzisebenzisa kolu hlobo lwexesha elibekiweyo buza ukuphelelwa, nokuba ibiyintoni na, kwaye ungazikhathazi ngento enokwenzeka kwisindululo sakho kwizabelo. Nangona oku awuzukusifumana esinye isisombululo ngaphandle kokukhetha ixabiso elizinzile kakhulu.
Kwelinye icala, awungekhe uphoswe yimisebenzi yakho ukukhetha ezona zikhuselweyo zokuzikhusela kwiimarike zezemali. Abayi kukunika izinto ezininzi ezimangazayo kwaye uya kuba nethuba elihle lokuba iinzuzo ezinkulu ziya kufakwa kwingxelo yakho yengeniso emva kokuphelelwa kwayo. Ezi ziinkampani ezilawulwa ziintshukumo ezimfutshane kakhulu phantse kuzo zonke iiseshoni zorhwebo. Kwaye ngokubanzi zimelwe ziinkampani ezincinci neziphakathi. Ewe kunjalo, awuzukuzikhangela kwiitshipsi eziluhlaza okanye nakumaxabiso afanelekileyo kwimarike yemasheya, kuzwelonke nakwamanye amazwe.
Elinye igalelo ekubonelelwa ngazo ziimarike zezemali kukuba ungaziphambanisa izikhundla zakho kwimarike yemasheya. Ngokudibanisa ne ezinye ii-asethi eziyimali kunye nendalo eyahlukileyo. Phakathi kwazo kukho izinyithi ezixabisekileyo, izinto ezingasetyenziswanga kunye nezinye iindlela ezizezinye zokuqala. Umngcipheko uphezulu kakhulu, kodwa ngokutshintshiselana ngokukhulisa imbuyekezo onokuyifumana kwikomkhulu lotyalo-mali. Ngayiphi na imeko, kuya kufuneka ube nolawulo ngakumbi kwizikhundla zakho ukunqanda naziphi na iimeko ezingafunekiyo.
Kuba ngokwenyani, unokwabela imali yakho ixesha elide kwaye enye eseleyo iye kuyo imisebenzi eguqukayo ngakumbi. Akudingeki ukuba kunxulunyaniswe namashishini. Kodwa ngokuchaseneyo, unokukhetha ezinye iimodeli ezizezinye. Isicwangciso esiliqili ngokukodwa sokudibanisa iimodeli ezininzi zolawulo. Ngaphantsi kwemilinganiselo eya kuchazwa ngokwamathuba oqoqosho lwakho. Kodwa nangenxa yeprofayile yomtyali mali omncinci owubonisayo ngalo naliphi na ixesha. Ngale ndlela, unokwandisa iinjongo zakho ngaphandle kokungahoyi ezona zorhwebo zide malunga nokuphelelwa lixesha. Ngayiphi na imeko, iya kuba yeyona ntsebenzo yoqobo onokuyikhetha ukusukela ngoku.