Esinye seziphumo ekufuneka sibenazo kwingozi eyenzeke kwiimarike zamasheya kwihlabathi liphela kukuba ukusukela ngoku kuya kufuneka sikhethe ngakumbi ekuthengeni izabelo kwiimarike zezabelo. Ukuba akunjalo, ngokuchaseneyo, akusayi kubakho khetho ngaphandle kokukhetha ngakumbi ukuza kuthi ga ngoku ukuzama ukuqesha amaxabiso asezona zilungileyo ngamaxesha onke kwaye zibonelela ngokusisiseko eziqinisekileyo ngokucacileyo. Ke ngale ndlela, kunokwenzeka ngakumbi ukwenza ukuba imali esiyinikelayo kule misebenzi inenzuzo kwilizwe. Malunga nokufumana ukhuseleko olukhulu kwizikhundla ezivulekileyo.
Ukongeza, ukusebenzisa iiresiphi ukuvula izikhundla kwimarike yemasheya, alithandabuzeki elokuba ekugqibeleni kuya kusinceda ukuba sonyuse ukusebenza ngendlela elunge ngakumbi nenempumelelo kunangoku. Ukusuka apho sinokuthi sibe nemali kwiimeko ezingcono ukuba sibe nengxowa yokonga engaphaya okanye ezinzileyo yexesha eliphakathi kwaye ngakumbi ixesha elide. Ukwazi ngamaxesha onke ukuba esona sisombululo sokufumana imbuyiselo kulondolozo kukubeka emngciphekweni kancinci kwaye oku kunokufezekiswa kuphela ngokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya. Ngaphezulu kwamanye amacebo otyalo mali anokumodareyitha anokuthi asekwe kwiibhanki okanye kwimveliso yengeniso esisigxina.
Kwelinye icala, xa kuvulwa izikhundla kwimarike yemasheya, kuyakufuneka ukuba uqeqeshwe ngakumbi ukususela ngoku ukuya phambili ukwenza esinye isicwangciso sotyalo-mali esikhokelela kwinjongo efunwa sithi sonke. Oku kucinga utshintsho olukhulu ngokubhekisele kwimikhwa ebesiyiqhelile kumashumi eminyaka adlulileyo. Yonke into ayizukufana de kube yinyanga yoKwindla kwaye le yinto ekufuneka ithathelwe ingqalelo kwiindlela zakhe nawuphi na umtyali mali omncinci nophakathi. Kule ndlela yotyalo-mali, siza kunika uthotho lweengcebiso zokuvula izikhundla kwimarike yemasheya ngeziqinisekiso ezithile zempumelelo.
Izikhundla ezivulekileyo: kumaxabiso asezantsi
Umgaqo ongasoze usilele kwezi zihlandlo kukukhetha isitokhwe esibonisa ngokucacileyo imeko yokhangelo kuhlalutyo lobuchwephesha. Ubuncinci ngokubhekisele kwithutyana kwaye ke vumela imisebenzi enenzuzo ukuba yenziwe ngexesha elifutshane kakhulu. Nkqu nakwezona meko zingathandekiyo kwiimarike ze-equity kuhlala kukho iqaqobana leenkampani ezikwindlela ephezulu yokuhambelana kwamaxabiso kwaye ezibavumela ukuba babe nokuziphendukela kwemeko elungileyo kwiiseshoni ezilandelayo zorhwebo. Ngaphandle kwento yokuba kunokucuthwa ngokukodwa kunokuveliswa kunokusetyenziselwa ukungena kwizikhundla zabo ngamandla amakhulu okuhlaziya.
Ngelixa kwelinye icala, asinakulibala ukuba esi sicwangciso sinokuba nomdla kakhulu ekuphuculeni ipotifoliyo yotyalo-mali ejolise kwelona xesha lifutshane kwaye ihlala ikho ngendlela ekhethekileyo ekusisigxina. Kananjalo nenyaniso yokuba le nkqubo yonyulo iyakunciphisa ilahleko yotyalo-mali eyenzeka ngamaxesha aphindaphindeneyo kwiimarike zezabelo, kuzwelonke nakwamanye amazwe. Ukuze ngale ndlela ukhusele utyalomali lwakho ngesiqinisekiso esikhulu sempumelelo. Ngale ndlela, kukho uthotho lwamaxabiso esitokhwe ahlangabezana nezi mpawu kwaye ke asinike ithuba lokwenza ukonga okunenzuzo nakweyiphi na imeko.
Iinkampani ezineziseko ezifanelekileyo
Le yenye yeenkqubo ekufuneka sizisebenzisile ukungena kwiimarike zezabelo kwaye oko kusinika ukuzithemba ngakumbi ekungeneni kwethu kwiimarike zezemali, nokuba leliphi na icandelo lemarike yemasheya elikhethwe ngabatyali zimali abancinci nabaphakathi. Ngale ndlela, kuyacetyiswa ukuba ekugqibeleni ungakhetha iinkampani ezibonelela ezisisiseko esihle kakhulu kwaye ezihamba nenqanaba eliphantsi kakhulu letyala. Yeyona ndlela ilungileyo kolu didi lweenkampani ezithengisa esidlangalaleni ukumelana neemeko ezingancumisi kuqoqosho kwaye, ewe, kwiimarike zezabelo zingcono kunezinye. Ngamandla okuphendula okuphezulu okuphawula amaxabiso athiwa thaca njengokucebisa kwimidla yabatyali mali abancinci nabaphakathi.
Ngelixa kwelinye icala, alithandabuzeki elokuba ekugqibeleni iinkampani ezihambisa iziseko ezilungileyo kunye nezo ziqhuba ngcono kwiimarike zezabelo. Nangona isenokungabikho kwixesha elifutshane, iya kuba imeko enokwenzeka ngakumbi kwixesha eliphakathi kwaye ngakumbi ixesha elide. Oko kukuthi, emva kwayo yonke loo nto, ixesha lokusisigxina labatyali mali abancinci nabaphakathi lokuzikhusela ngakumbi okanye ukusika okulondolozayo. Ke ngale ndlela, amathuba okwenyani ekuhlaziyweni kwawo aphezulu ukusuka kumzuzu kanye apho bathenga khona. Okokuba, ngamafutshane, iinkampani zizilinganiso eziqinileyo kwiiakhawunti zabo zeshishini ngaphezulu kolunye uthotho lokuqwalaselwa kobuchwephesha.
Thatha ithuba lokufumana amanqanaba aphezulu
Ngokuqinisekileyo esi sisicwangciso sotyalo-mali esinomngcipheko omkhulu ekusebenzeni, kodwa sisebenza ngokulinganayo kuba lo ngumqondiso olindele ukunyuka kwexabiso kwixa elizayo kulo mzekelo kuhlalutyo lobuchwephesha. Kuyacetyiswa ke ukuba ulandele ezi zikhokelo ukuqala ukurhweba kwiimarike zamasheya ukusukela ngoku. Ngokukodwa kuba iziphumo zinokwanelisa kakhulu abasebenzisi kolu hlobo lokuhamba kwemali. Apho banokubhatala ngaphezulu kunokulahleka kuba kukho imeko yentengiso ethe yatyhalelwa kumda ekuqeshweni kwezihloko. Kunye nesantya sayo esikhulu sokuvelisa ukonyuka okukhawulezayo kwiimarike zesitokhwe oko kukuthi, emva kwayo yonke loo nto, yenye yeenjongo ezingxamisekileyo zabasebenzisi ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya.
Kwelinye icala, asinakukujongela phantsi ukuba nangaliphi na ixesha ukusebenzisa amanqanaba okugqithisa kunokuba yeyona ndlela imfutshane yokufikelela kwinqanaba leenzuzo ezinkulu kwiipotifoliyo zethu zotyalo-mali. Ukusuka apho singamisa khona impumelelo yemisebenzi kuba inzima inokuvela kula manqanaba anzulu awela kulungelelwaniso lwamaxabiso abo. Ukuba akunjalo, ngokuchaseneyo, linqanaba apho utshintsho lwendlela lunokwenzeka khona, ukusuka kwi-bearish ukuya kwi-bullish okanye ubuncinci. Ngamaxesha onke ngokubhekisele kwixesha elifutshane kwaye ngenxa yoko ayisosicwangciso-qhinga sokutyala imali esifanelekileyo sokuhamba kwimarike yemasheya ixesha elide lokusisigxina kuba kunokwenzeka ukuba imeko esezantsi iqhubeke iye ezantsi.
Kwesinye isigxina, kufuneka kugxininiswe ukuba ukuthatha ithuba lamanqanaba okugqitha kuyindlela yokuba abatyali mali abagcina inqanaba eliphezulu lokufunda xa kuthengwa kwaye kuthengiswa isitokhwe kuhlala kusetyenziswa. Esinye sezifundo esizifumanayo kweli xesha likhethekileyo kuqoqosho lwamazwe aphesheya kukuba utyalomali kuya kufuneka luguqulwe kwiprofayili eboniswe ngabatyali zimali abancinci nabaphakathi. Kwaye kule meko ithile, ujonga kwaye uhlalutya inqanaba lokuthengisa elinenkampani edweliswe kwiimarike zezabelo. Ukuya kwinqanaba lokuba inokubonisa inqanaba lokungena kwenkampani edwelisiweyo okanye ubuncinci kakhulu. Ukuze ngale ndlela umsebenzi uphuculwe ngesiqinisekiso esikhulu sempumelelo.
Thenga kufutshane nezichasi
Ukwehla kwamva nje kwiinkampani zaseSpain ezidweliswe kwimarike yaseSpain kukhokelele ekubeni uninzi lwazo lusondele kakhulu kumanqanaba oxhathiso, kungoko eyona nto inobulumko ukuyenza kukulinda ukubona ukuba ngaba ngokuqinisekileyo bayaphula ukuze bathathe izikhundla kolunye lwezi zibambiso ngexesha lokuphuhliswa kwekota yokugqibela yalo nyaka kwaye, ngale ndlela, ukuze sikwazi ukuvala lo nyaka ngezibonelelo kwiphothifoliyo yethu yokhuseleko. Ngaphandle koko, kuya kuba yimfuneko ukulindela ukusikwa kwexabiso elinokuthatha amaxabiso alo ukubuyela kumanqanaba enkxaso, kwaye ukuba awaphuli, baya kuba ngumqondiso wokuthenga izabelo zala maxabiso kwiinyanga ezimbalwa ezizayo.
Kuzo zombini ezi meko, ungaya kwiiseshoni zentengiso yesitokhwe apho ukungazinzanga yeyona nto iphambili kumaxabiso abo, ngokwahluka kakhulu kumaxabiso abo, njengoko kwenzekile kwiiseshoni zokugqibela zeemarike zezabelo, ezinokuthi zikhokelele ekubeni Uvakalelo ngakumbi kusuku olunye (i-intraday) yokurhweba ukuze ufumane i-euro ezimbalwa. Nangona kule meko ithile, esi sicwangciso sijolise kuphela kubatyali mali abanamava ngakumbi abanokufumana inzuzo ebalulekileyo kwiiyure nje ezimbalwa.
Ezinye iipateni zokuziphatha
Ukuyigcina ilula kangangoko kunokwenzeka, kwaye ukulungiselela esi sikhokelo, imarike yemasheya yindawo nje apho abathengi nabathengisi badibana khona ukuze bathengise izitokhwe, nganye yazo iyinxalenye encinci yenkampani ethengisa esidlangalaleni.
Kutheni le nto izitokhwe zikhona kwasekuqaleni? Ukukhula kwaye ngethemba lokunyusa inzuzo yokuguqula ishishini libe yimpumelelo yezemali, iinkampani zinika abatyali mali amandla okubaxhasa ngemali yabo.
Ukungena kwimarike yemasheya: Ukutshintshiselana ngemali yakho, inkampani ikubonelela ngesabelo kwikamva layo, ukuze ube nenxalenye encinci yenkampani kwaye ube "ngumnini zabelo."
Kwaye ukuba uyafuna, le nxalenye yenkampani onayo inokutshintshelwa naye nabani na ofuna ukuyithenga.
Ngokwesiqhelo lo ngumbuzo uninzi lwabatyali zimali abafuna impendulo kuwo, kwaye esona sizathu sesigqibo sabantu abaninzi sokubeka imali yabo kwintengiso yemasheya. Masithethe ngokuphandle: asinakukuxelela into oza kuyifumana (kwaye ungakholelwa nakubani na othi uyazi - bayaxoka). Kodwa singakunika umbono wento enokufikelelwa.
Ngeereyithi zokonga ezihamba kumanqanaba asezantsi ngokwembali-umzekelo, i-1,3% kwi-akhawunti yokonga eqhelekileyo yokhuphiswano-inkuthazo yokujonga kwenye indawo imbuyekezo efanelekileyo yomelele.
Ewe kunjalo, wonke umntu angathanda ukufumana i-5% yemali yakhe, kodwa kuphela ukuba uthatha inqanaba lomngcipheko elilungele wena. Sitshilo ngaphambili, kodwa akukho nto iphosakeleyo ngokuyiphinda le nto de sifumane izimvo ezicace gca ngokubhekisele kutyalo-mali lwakho kwaye yiyo yonke loo nto ikhoyo kwezi meko.
- Njalo khumbula imigaqo emihlanu yegolide yokutyalomali:
- Ukuphakama kwembuyekezo oyifunayo, kokukhona kuya kufuneka umamkele umngcipheko.
- Musa ukubeka onke amaqanda akho kwibhasikidi enye. Zama ukwahluka kangangoko unako ukunciphisa ukubekeka emngciphekweni, oko kukuthi, tyala imali kwiinkampani ezahlukeneyo, amashishini nakwimimandla.
Iingcebiso zotyalo mali
Ukuba wonga okwethutyana, kububulumko ukuba ungathathi umngcipheko omkhulu. Kuyacetyiswa ukuba utyale imali ubuncinci iminyaka emihlanu. Ukuba awukwazi, kuhlala kulunge ngakumbi ukunqanda ukutyala imali kwaye ushiye imali yakho kwiakhawunti yokonga.
Jonga ipotifoliyo yakho. Isenzo sinokungaphumeleli okanye ungangakulungeli ukuthatha umngcipheko omninzi njengangaphambili. Ukuba awuyijongi iphothifoliyo yakho rhoqo, unokugqibela ngeakhawunti yokulahleka kwemali.
Musa ukuphaphazela. Utyalomali lunokwehla kwaye luye phezulu. Sukuhendeka ukuba uthenge okanye uthengise isitokhwe ngenxa yokuba wonke umntu ekho.
Ayinamsebenzi ukuba uza kuthenga isitokhwe sakho sokuqala okanye ukhethe ingxowa mali yesitokhwe okokuqala, ngalo lonke ixesha zibuze ukuba kutheni ujonge ukwenza imali.
Ekuhambeni kwexesha, izitokhwe kunye nezabelo ngokwembali ziye zadlula kwimali kwiiakhawunti zokonga.
Kodwa oko akuqinisekisi ukuba baya kwenza njalo kwikamva. Konke kuxhomekeke kwiimeko zakho zobuqu. Umzekelo, ungangomnye wabaninzi abathe baphelelwa lithemba ngamaxabiso e-lousy kwiiakhawunti zokonga kwaye bazimisele ukuthatha ithuba lokulandela imbuyekezo ephezulu.
Okanye usenokuza nesicwangciso esicingisisiweyo sokugcina i- $ 10.000 kule minyaka ilishumi izayo ukunceda ukuhlawulela abantwana bakho iifizi zesikolo. Kuzo zombini iimeko, kukukhanya okuluhlaza okucacileyo ukuya kutyalomali.
Qaphela ukuba kunikwa ingcebiso
Ukuba umhlobo ucebise ngetiphu yokuba babelane kwindawo yokushicilela, okanye ilungu losapho okanye umhlobo ucebise ukuba "ubeke iiponti ezimbalwa" kwisitokhwe okanye kwingxowa-mali ngoku - kwishishini lokukhangela - "ucime izibane" Kusenokwenzeka ukucinga kabini ngaphandle kokuba unemali ongasindisa ngayo onokuyifumana.
Jonga kakuhle, ngokunyanisekileyo kwimali yakho. Ukuba unengxaki yokugcina ikhadi lakho lokuthenga ngetyala, yithi, okanye uthathe umrhumo obizayo kwaye unokonga okuncinci, lixesha lokuba ubuye umva kwaye ucinge kwakhona.
Oku kunokuvakala njengolawulo olusisiseko lwendlu, kodwa umtsalane wokuphumelela ngokukhawuleza kwimarike yemasheya inokuthintela abantu abaninzi ekuboneni ukuba inokuba nzima kangakanani imeko yabo yezemali.
Baninzi kakhulu abantu abacinga ukuba kuthatha imali eninzi ukuze bakwazi ukutyala imali kwimarike yemasheya, kodwa ayenzi njalo, kwaye abatyali mali abancinci abaninzi "abondla" ngeemali ezincinci rhoqo banokwenza ngcono kakhulu kunabo bathulula nje isixa esikhulu semali kwintengiso.
Njengomgaqo oqhelekileyo wobhontsi, akufuneki utyale imali engaphezulu kunoko unokukwazi ukukulahla. Kungenxa yokuba, kwimeko yokuwa kwestokhwe, unokujamelana nelahleko enkulu yobutyebi bakho ukuba unemali eninzi oyityalileyo. Abacebisi abaninzi bezemali bacebisa ukuba utyale imali ubuncinci iminyaka emihlanu. Oku kukunika ixesha elininzi lokufumana ngaphezulu kwamaqhuqhuva kwimarike enokubangela ukuba ulahlekelwe yimali yakho.
Khumbula, njengoko besitshilo ngaphambili, ukuba unokonga okuncinci kwaye unamatyala amaninzi, ukungcakaza kwiimarike zesitokhwe kunokuba kubi kwimpilo yakho yezemali. Nangona kunjalo, ukuba uqokelele iqanda lendlu kwaye wondliwe ngamaxabiso olondolozo asezantsi, ukubeka isiqa sayo (esingadingi kuxhomekeka kwiindleko zakho zokuphila) kwimarike yemasheya kunokuba yindlela efanelekileyo yokuzama. fumana inzuzo ephezulu. Ukuba lolunye lwezinto abanokukhetha kuzo abatyali mali abancinci nabaphakathi ekufundeni kwabo kwaye banakho ukuzenza ukusukela ngoku.