Kwizabelo, awusoloko uphumelela, kodwa, njengoko kusengqiqweni ngokupheleleyo, zivelisa nelahleko kwimisebenzi eyenziweyo. Kumaxesha amaninzi njengemveliso yamashwa. Kodwa nakwipesenti ebaluleke kakhulu njengesiphumo seempazamo onokuthi uzenze kwiimarike zezemali. Apho maxa wambi zibangelwa ziimpazamo ezininzi ezivela kwizicwangciso zakho zotyalo-mali. Zizo kanye ezi lahleko zinokuthintelwa ukuba uyachonga Zinto zini eziphosakeleyo oye wazenza. Yeyona ndlela ilungileyo yokuthintela ezi meko ekubeni zenzeke kwakhona ukusukela ngoku.
Iimpazamo kwimarike yemasheya zisengqiqweni ukuba zinokwenzeka, kodwa ngendlela efanayo zinokuphetshwa. Okanye ubuncinci beka zonke izixhobo ukuze ezi mpazamo zincinci okanye zinkulu kwizigqibo zakho kwiimarike ze-equity ziphinde zenzeke. Kuba ngokwenyani, inokuba yifayile ye- utsalo olubalulekileyo kwibhalansi yeakhawunti yakho. Ngokukodwa xa ziphuhliswa rhoqo ngakumbi kwaye ngelishwa kwaba batyali zimali. Enye yeemeko ezimbi kakhulu ezinokuthi zenzeke kuwe kwi-equities. Ngaba ngokwenene ufuna oku kungenzeki kuwe?
Isenokuba yenye yezona mpazamo zimsulwa zikubangele ezi ndaba zimbi kwaye ekubangele ukuba uthengise izabelo zakho ngenqanaba lelahleko kwingxelo yeakhawunti yakho yangoku. Eyona ndlela yokuphepha ukuphindaphinda ezi ntlobo zeempazamo kukuba uzibone kwaye ufunde ezi zenzo zingafunekiyo kwimidla yakho njengomtyali mali ophakathi nophakathi. Kuya kuba kancinane inkqubo yokufunda Kuya kufuneka uqhubeke nayo ukusukela ngoku. Awuyi kuba nesisombululo esonelisayo.
Iimpazamo: ayicwangcisi utyalomali
Alithandabuzeki elokuba eli nyathelo liyakuba sisisulu somnye umsebenzi ombi kwiimarike zezabelo. Kungenxa yokuba, eneneni awunakukwazi ukuba yeyiphi inqanaba lakho lokuqala okanye nokuba yintoni na kodwa ingekuko ukumisela lithini ixesha lokuhlala apho imisebenzi yakho yentengiso yesitokhwe kufuneka ibhekiswe kuyo. Okanye into elula ngokungazi ubunyani bexabiso elimisele ukuthengwa kwakho. Hayi ngelize, awungekhe ulibale ukuba imalunga nokwenza ukulingana phakathi kwezixhobo kunye neemfuno ngokuhamba kwexesha.
Ukungacwangcisi utyalomali yenye yeempazamo ezinkulu rhoqo phakathi kwayo nayiphi na iprofayili yomtyalomali. Ayisiyiyo kuphela enokukwenza ukuba ulahlekelwe yimali ekusebenzeni, kodwa inokukwenza ukuba uguqule imigaqo esisigxina. Ngesi sizathu, kubaluleke kakhulu ukuba uzibekele iinjongo kwaye usebenzise isicwangciso esichanekileyo ukuziphumeza ngaphandle kobunzima obukhulu. Ewe kunjalo, nakuphi na ukungabikho kwenkcazo yokubheja kwakho kwimarike yemasheya kuya kukhokelela kwiimeko ezingafunekiyo.
Musa ukuthatha umngcipheko
Mangaphi amathuba ophulukene nawo ngokungathathi umngcipheko ongaphantsi okanye ongaphantsi kolawulo? Awungekhe ulibale nangaliphi na ixesha ukuba sithetha ngemarike yemasheya kwaye oku kuthetha okukhulu inqanaba lomngcipheko Ngaphandle kwezinye iimveliso zemali. Ngale ndlela, kuya kufuneka uhambelane nomsebenzi wakho wokuphumeza iinjongo zakho eziphambili. Kwimeko yotyalo-mali yangoku, ekuphela kwendlela yokuphucula inzuzo kukuzivulela ngokwakho umngcipheko oveliswe zizabelo. Yimeko yokujonga ibhalansi yeakhawunti yakho ukuba ibe nokuqaqamba rhoqo ngonyaka. Awuyi kuba nazo ezinye izibonelelo, nkqu nakwiimodeli zokonga ezivela kumvuzo omiselweyo.
Kwakhona, awungekhe ulibale ukuba nokuba ungumtyali mali olinganiselweyo, unokuba kwimeko yokuthatha ukungazinzi okuthile. Ngaphandle kwenjongo enye kukufezekisa inzuzo ephezulu bakunika ezinye izindululo zezemali. Kwimeko nayiphi na into, kufuneka ixhaswe yiprofayili oyivezayo njengomtyalomali omncinci nophakathi. Ngayiphi na imeko, ukuba ufuna ukugcina ukonga kwakho ngokukuko nangokukhuselekileyo, iimali ezihlangeneyo ziye zaba yindawo yokuhlangana phakathi kwabona batyalo-mali banolondolozo kunye nabona banoburhalarhume. Unokujonga umhlaba ophakathi phakathi kwezinto ezimbini onomdla kuzo.
Awunakuphelelwa ngumonde
Enye yeentshaba ezinkulu zabatyali mali ukungabi namonde. Ukuya kwinqanaba lokuba inokonakalisa lonke ulindelo lwakho. Ayimangalisi into yokuba uninzi lwaba basebenzisi luphuhlise ukusebenza gwenxa ngexesha lokujongana nelizwe lemali. Kwaye ukuba babenokulinda ithutyana elincinci, ngebabefumene izibonelelo zesisa kwingxelo yabo yengeniso. Ukwazi ukulinda yenye yezona mpawu zixabisekileyo nakweyiphi na iprofayili yomsebenzisi wentengiso yemasheya. Njengoko uya kwazi ngokuqinisekileyo ngeminye yemisebenzi yakho kwiimarike ze-equity.
Akumangalisi ukuba enye yezona mpazamo zinkulu kukuzama ukufumana eyona mbuyekezo iphezulu kwisithuba esifutshane sexesha. Ngaphandle kokuthathela ingqalelo olunye uthotho lwezinto ezifanelekileyo kakhulu ukufezekisa iinjongo kwiimarike zezemali. Ukuze yonke into ikhule ngokuchanekileyo, awuyi kuba nesisombululo ngaphandle koku zoqeqesho kakhulu kwaye ngokunyaniseka ulandele iikhrayitheriya zomngcipheko. Kwaye ukuba inokuba njalo, zikhulule ngokwakho iinjongo ezithile kwasekuqaleni. Kodwa ayizange ibe ngumbono olungileyo ukuzama ukuba ngusozigidi ngobusuku bonke. Ukukhawuleza akusiyo inxulumano elungileyo ukukhusela izikhundla zakho kwimarike yemasheya. Izinto phantse zihlala zingahambi kakuhle, njengoko usenokuba ubonile kwimidlalo edlulileyo.
Ukungafani notyalo-mali
Ewe kunjalo, enye impazamo enzulu onokuyenza kukungadibanisi ukonga kwakho. Okanye yintoni efanayo, yabela eyahlukileyo kwaye ngokukodwa ukhuseleko olunye okanye iasethi yezemali. Ayizizo iindlela ezilungileyo zokukhusela umdla wakho, ngokuchaseneyo. Ukuza kuthi ga kwinqanaba lokuba utyalo-mali lwakho lonke ukonga kwimodeli yotyalo-mali yenye yezona ndlela zimbi onokuziphuhlisa ukusukela ngoku. Awunakukhetha ngaphandle kokulungisa esi siganeko sisebenzayo.
Uluvo olusebenzayo lokulwa le ngxaki inzima yotyalo-mali isekwe ekukhetheni iimali ezininzi zeeasethi. Ayothusi into yokuba abaphathi bayo bakwisimo sokuhambisa utyalo-mali ngokukhululeka okukhulu. Kwaye okona kubaluleke kakhulu, kulo naluphi na udidi lweeasethi zemali. Ukuya kwinqanaba lokuba kuya kukuvumela ukuba uthathe ithuba lokuhamba kweemarike. Nkqu nakwezona meko zimbi kwiimarike zezemali. Yinto oza kuyenzakala ngamaxesha athile ongazi ukuba wenzeni ngolondolozo lwakho xa iingxowa ziqala ukuhla kwaye bayakumema ukuba ushiye iimarike.
Sukucetyiswa
Ukuzimela kwimarike yemasheya kunokubangela ukuba ulahlekelwe yimali eninzi kwimisebenzi eyenziweyo. Ngamaxesha ngamaxesha, ubuncinci, kufanelekile ukuba wamkele izimvo zabo bazi indlela ezenziwa ngayo iimali kunye nabaziyo ukuba zeziphi iimveliso zezona zilungileyo. ilungelelaniswe neemfuno zakho zokwenyani. Ke ngoko, ukuba awuyongcali, kuyacetyiswa ukuba ucetyiswe yingcali yotyalo-mali. Iya kuba yindlela elula kakhulu yokukhusela iiasethi zakho. Kodwa nangayiphi na imeko, kufuneka babe ziingcali ezizimeleyo kwaye kude nayo nayiphi na inzala yorhwebo okanye ukuxhomekeka kumashishini athile okanye kwiimpawu zeshishini.
Eli nyathelo lisebenza ngokuphandle xa ulwazi lwakho lwezezimali lungabanzi kakhulu. Kuba ekupheleni kosuku, nguwe oya kuthi ekugqibeleni uthathe isigqibo malunga nento ekufuneka uyenzile. Ukongeza, yinkonzo onokuyenza kwibhanki yakho yesiqhelo. Isimahla ngokupheleleyo kwaye unokufikelela nangaliphi na ixesha kwaye ngaphandle kwesidingo sokuqesha naluphi na uhlobo lwezibonelelo. Esi sisicwangciso oya kuhlala unaso xa kunokwenzeka ukuba igalelo lakho liyimfuneko.
Ukungahambi kakhulu
Amaxesha amaninzi ukugcinwa kwe-conservatism kunokulimaza kwimisebenzi yakho kwi-equities. Kukulungele ukuya kwezona mveliso zezezimali zibalaseleyo ngalo lonke ixesha kwaye azisoloko zifana. Ukuze yonke into ikhule ngokuchanekileyo, awusoze ube nesinye isisombululo ngaphandle kokwazi kakhulu ngenguquko lwezoqoqosho lwamanye amazwe. Ukuze ngale ndlela, utyalomali iiasethi zakho ngokufanelekileyo. Kwiimeko ezininzi, nkqu Uya kudinga ukutshintsha isicwangciso sakho okanye ipotifoliyo. Kuya kufuneka uvuleleke kuwo onke amathuba oshishino azokuvela ukusukela ngoku.
Akunyanzelekanga ukuba uhlale utyala imali kwiimveliso ezifanayo zemali. Ayothusi into yokuba inokuba yingozi kakhulu kwimidla yakho. Kuba Iimarike zezemali ziguquguquka kakhulu kwaye bayatshintsha yonke imihla. Into elungileyo namhlanje isenokungalungeli ingomso. Kuya kufuneka ukhuthele kakhulu ekukhangeleni iimodeli ezintsha zokuphuhlisa iindlela ezintsha zotyalo-mali.
Ngokuqinisekileyo kuya kubakho uthotho lweemveliso zemali ongazange uve ngazo kwaye kunokuba kuhle kakhulu ukuqesha ngeli xesha. Ewe, konke oku kuyenzeka kuba ungangxami ngokugqithileyo kubudlelwane bakho nehlabathi lemali. Ngayiphi na imeko, usoloko usexesheni lokutshintsha le nkangeleko ilondolozayo oyivelisayo ukuze wenze imisebenzi yakho kwiimarike zezemali. Kuba ngokwenene, i-euro ezininzi zisemngciphekweni. Kwaye awungekhe ulibale ukuba eyona njongo yakho ikukwenza yonke imali oyigcinayo ibe yinzuzo. Ngaphezulu kwezinye izinto ezicwangcisiweyo.
Ke uza kutyala imali kwimarike yemasheya.
Ungumntu onjani? Ngaba uthatha umngcipheko, ukulungele ukulahla imali kunye nethuba lokwenza imali eninzi, okanye ukhetha enye into "ekhuselekileyo"? Ungayiphendula uthini into yokuba ukwehla nge-10% kwistokhwe esinye ngosuku okanye ukuhla okungama-35% kwisithuba seeveki ezimbalwa? Ngaba ungayithengisa yonke ngexhala?
Iimpendulo zale mibuzo kunye nezinye ziya kukukhokelela ekubeni uthathele ingqalelo iintlobo ezahlukeneyo zotyalo-mali kwi-equity, ezinje ngesalathiso okanye ngokuhlangeneyo kwemali xa kuthelekiswa nesitokhwe ngasinye. Ukuba awunabungozi ngokwendalo, kwaye awonwabanga ukwenza njalo kodwa usafuna ukutyala imali kwizitokhwe, ukubheja okungcono kakhulu kunokuba yimali efanayo okanye imali yenkcazo. Kungenxa yokuba zahlulwe kakuhle kwaye ziqulathe amasheya amaninzi ahlukeneyo. Oku kunciphisa umngcipheko- kwaye akufuneki kuphando oluthile lwesitokhwe.
Ndinqwenela nje ithamsanqa kwindlela yakho yenkululeko yezemali.