Ukuvela kwezimakethe zezimali engxenyeni yokuqala yalo nyaka akukwazi ukubhekwa, kude nakho, njengokwanelisa izintshisekelo zokutshalwa kwezimali kwabasindisa abancane nabaphakathi. Kunokungaqiniseki okuningi ezimaketheZiningi kakhulu ukuthi imali ingathuliswa, okungenani kumasheya. Kubangela, noma ngabe ikuphi, ukungaqiniseki kwalaba, abangacaci kahle ukuthi bangaqondisa kuphi isikhwama sabo sokonga, okungenani esikhathini esifushane.
Futhi ezinye izindlela azitholakali kubo okwamanje ngokweqile, impela njengoba uzobe ubheka esimweni sakho. Futhi kuphi Imbuyiselo yemali engaguquki ayilindelekile, noma ngabe kunengozi enkulu yokuvikela le patrimony. Kungaleso sikhathi-ke lapho kufika umzuzu wokuthi kubhekwe ukuthi kungalondolozwa kuphi ubuzimbili, futhi kutholakale nepheshana lenzuzo ezitshalweni. Kulesi sihloko, uzoba neziphakamiso ezifanele kakhulu ukufeza le nhloso, kepha noma kunjalo ngeke kube umsebenzi olula.
Ukuhlanganisa inzuzo nokuvikelwa kokonga kuzoba inhloso enzima kakhulu ukwedlula kokunye ukuzivocavoca uma kungenzeka. Izodinga ukuzinikezela okwengeziwe, futhi thola amathuba ebhizinisi ezethulwa ngaso sonke isikhathi. Ngakolunye uhlangothi, kuzodinga nomzamo omkhulu ohlangothini lwakho ukuthola imikhiqizo yezimali ehamba phambili okwamanje. Baningi abanikwe amandla, kepha bambalwa okufanele ngabe uyinaka lakho ukuzama ukwenza imali ezuzisayo ngendlela egculisayo. Uma abahlaziyi bochwepheshe bevumelana ngokuthile, ngukuthi kusukela manje kuzoba nokuningi khetha ngokwengeziwe.
Ufuna inzuzo ekutshalweni kwemali
Phakathi kweziphakamiso ezisifanele kakhulu lesi sikhathi sokungaqiniseki njengalesi esikhona njengamanje, labo inhloso yabo ukufuna imbuyiselo esheshayo kumanani atshaliwe agqamile ngaphezu kwakho konke. Yilezo ezingakhula kahle kuzo zonke izimo ezingenzeka, Ngaphandle kwemingcele. Hhayi ezinkathini ezibanzi kuphela, kepha nakwezomnotho, kunoma yiluphi uhlobo lwemakethe, kufaka phakathi izimakethe zokulingana. Kubonakala njengomunye wemibono ethakazelisa kakhulu futhi enenzuzo ongayisebenzisa njengamanje.
Kepha, umzuzu onzima kakhulu ufika futhi lokho akuyona enye ngaphandle kokukhomba ukuthi yimiphi imikhiqizo enalezi zimpawu ezichazwe kahle. Phakathi kwabo, okufanelekile kunazo zonke ukusebenzisa leli su lokutshala imali ngokungangabazeki yi- izimali zokubuyisa ngokuphelele. Bavuna ukuthi bethule okunikezwayo okubanzi kakhulu futhi ungakhetha phakathi kwamamodeli amaningi, ngeminikelo ehlukile, futhi kuya ngephrofayili onayo njengomtshalizimali ojwayelekile: olandelanayo, ophakathi noma onolaka.
Lesi siphakamiso sibonakala ngoba sifuna ukufeza inzuzo kuzo zonke izimo zomnotho wamazwe omhlaba, noma izimakethe zokulingana zehla. Ukukhonza ezimweni eziningi njengendawo ephephile yabatshalizimali abavikela kakhulu emakethe. Impela ungeke ulindele izimbuyiselo ezicace bha kubo, kepha okungenani zizokunikeza ithuba lokuvikela ukonga kwakho kwimikhiqizo enolaka kakhulu.
Uma ukhetha le ndlela yokutshala imali, uzokwazi ukuthola imbuyiselo emaphakathi yonyaka ephakathi kuka-3% no-6%, nangaphezulu kokunikezwa yimikhiqizo eyonga kakhulu (amadiphozi, amanothi ezethembiso, amabhondi, njll.). Noma kunjalo, ukusebenza ngeke kuqinisekiswe neze, futhi kuzoncika kwimodeli ekhethwe ngabasindisi. Ukuba ngomunye wemikhiqizo enenzuzo enhle kakhulu kungatholakala ezimweni zamanje zemakethe.
Cishe bonke abaphathi banomkhiqizo walezi zici, futhi umehluko phakathi kwabo ususelwa kuzimpahla zezimali ezikhona kuzikhundla zabo zokutshala imali. Ungabheka ngisho nephephe kunazo zonke, yize kunjalo izinzuzo zizoba zincane futhi ngokuqinisekile zikhawulelwe. Kunoma ikuphi, akufanele ngabe bayasilela ekutshaleni kwakho imali manje ngenxa yalezi zizathu. Ukufika ezingeni lokuthi kungaba yisiphakamiso esingenakubuyiselwa esimeni samanje sezimakethe zezimali.
Imikhiqizo yasebhange enezimali
Imikhiqizo yokonga okwamanje ayidlule kwesinye sezikhathi zabo ezinhle kakhulu ngokusebenza abakwenzayo, kude nayo. Ngokwanda lokho ungagcina imali oyongile ingasebenzi isikhathi eside, futhi ngenxa yezikhathi eziphezulu zokugcinwa kwale mikhiqizo. Kuzofanele ulinde ukuphela kwesikhathi sakho ukuthola iminikelo eyenziwe. Njengoba kunikezwe lesi simo, umqondo osebenzayo nosebenzayo ukukhetha imikhiqizo yasebhange enikeza ukuphepha okukhulu, futhi ikakhulukazi ukwenziwa kwemali kwizimali zakho zokonga.
Ngalo mqondo, isiphakamiso sokwenza leli qhinga ama-akhawunti akhona anikeza inzuzo ephezulu kakhulu. Futhi lokho kungakhethwa ngezindlela ezahlukahlukene. Owokuqala kuzoba lawo enzuzo ephezulu, nezimbuyiselo eziseduze no-1,50%, futhi ngaphandle kokuthola imfuneko yokuthola le nsizakalo. Aziziningi ezimakethwa ngamabhange, kepha okungenani uzoba neziphakamiso ezingaphezu kwesisodwa ekunikezelweni kwakho kwamanje ukufeza izinhloso zakho, ngaphandle kokufaka engozini okungenani.
Enye inketho ivela kuma-akhawunti okuthi, ngaphandle kokunikeza umholo wemali othokozisayo, okungenani asebenze ukuqukatha ingxenye yezindleko zasekhaya. Ngakolunye uhlangothi, ukubuyisa inani eliphansi lezikweletu ezinkulu (ugesi, amanzi, igesi, njll.). Kuzofanele ukuthi usebenzise lezi zikhokhelo njengemfuneko yokufinyelela kule mikhiqizo, futhi uzoba nalezi ziphulelo ku-akhawunti yakho, okuzosebenza nokuqukatha ukwanda kwentengo yalawa mandla.
Futhi kokunye, ukuthola uchungechunge lwezephulelo ekuthengeni ongakwenza, ikakhulukazi kumasevisi ezokuvakasha, ukusetshenziswa, ukudla, njll. Futhi lokho kuzokusiza ukuthi uhlele kangcono isabelomali onaso inyanga ngayinye. Ngaphezu kwalokho, lawa ma-akhawunti athuthukiswe mahhala kunoma iyiphi ikhomishini, nezinye izindleko ekuphathweni noma ekugcineni. Ukuba ngomunye wemikhiqizo enenzuzo enkulu ukubhekana nayo ezinyangeni ezizayo, ikakhulukazi ngenxa yokuqedwa kwalezi zindleko ku-akhawunti yakho.
Thola amathuba ebhizinisi
Izimakethe zezezimali zihlala zikhiqiza ezinye izindlela ongenza ngazo ukonga kwakho kube nenzuzo ngaphezu kweminye imikhiqizo. Kufanele nje ubathole, bese uzama ukusizakala ngokunyakaza kwabo. Njengamanje esinye salezi ziphakamiso sihlala ekuguqukeni kukawoyela. Uthuthukisa i-uptrend enamandla engahle shayela kufika kumazinga angama- $ 60 umgqomo. Njengoba abahlaziyi bemakethe kawoyela bexwayisa. Futhi kungahle kube yisikhathi sokuthatha izikhundla kusuka manje kuqhubeke.
Uma ufuna ukuqoqa lokhu kuhamba, ungancika kwenye yezinkampani zikawoyela ezisohlwini lwezimali. Noma, njengasendabeni yeRepsol, ngesivuno sedivithi esiseduze no-8%, futhi okungavikela ukonga kwakho ezimweni ezimbi kakhulu ezimakethe zamasheya. Kepha kwezokuphepha okukhulu, izimali zokutshala imali ezisuselwa kule mpahla yezezimali ziyancomeka. Manje kungagcwaliswa nabanye kusuka kwimali engenayo engaguquki. Ngale ndlela, ukuvezwa kwakho ezimakethe kuzoba kuncane kakhulu.
Ekugcineni, uthengise izimali. Kuyinhlanganisela yokuthenga nokuthengisa amasheya ezimakethe ngezimali ezihlangene. Ziwumkhiqizo oguquguqukayo, futhi lokho kunenzuzo enkulu yokuthi wethula amakhomishini ancintisana kakhulu kuneminye imikhiqizo yezezimali. Kunoma ikuphi, kungaba yisixazululo ezinkingeni zakho zokutshala imali ngalesi sikhathi.
Amanye amathuba ebhizinisi angenzeka kwezinye izimpahla zezezimali ezihlaselwe kakhulu ezinyangeni ezedlule. Njengoba kungaba izinto zokusetshenziswa, ngaphezu kwakho konke. Futhi kuzohlala kukhona insiza yokuqasha igolide, inani lesiphephelo ngobuhle. Kube nokuthuthuka okungenasici kusukela ekuqaleni konyaka. Futhi lapho abatshalizimali abaningi sebebuyile ngenxa yokushoda kwamathuba kwezinye izimakethe zezezimali, kufaka phakathi imali.
Futhi insimbi ephuzi iphendula kulindelo lwabatshalizimali abakhulu. Akumangalisi ukuthi labo abavule izikhala kule nsimbi eyigugu bazobe bebonile ukuthi kanjani ukonga kwabo kubonge kakhulu, futhi ngaphezu komngcele ongu-35%. Ngamasu ahlukahlukene wokusebenzisa lokhu kuthenga: amasheya, utshalomali nezimali ezibalwe ohlwini, imigoqo yegolide, njll. Njalo ngokuya ngephrofayili oyivezayo ukuze uvumelane nalokhu kutshalwa kwezimali okukhethekile.
Ekugcineni, kunomunye umthombo emikhakheni ongenza kangcono ngaphambi kwezimo ezingezinhle emnothweni. Futhi ukuthi kuzoba okuvikela kakhulu: amandla, ugesi kanye nokudla. Futhi banesikhuthazo esikhulu esenziwe izinzuzo eziphana kakhulu emakethe yezimali, ngamaphesenti asondele kakhulu ku-5%. Futhi lokho kuthanda kakhulu izisindisi ezonga kakhulu ngezikhathi zobunzima ezikhwameni.
Amanye amathiphu wokubhekana nokutshalwa kwemali
Ukukusiza ukuthuthukisa lo msebenzi, ngeke ulimale nakancane uma ungenisa uchungechunge lwezincomo ezilula ezizosiza kakhulu ezimweni zamanje zezimakethe zezimali. Futhi lokho kuzosuselwa kulayini wokusebenza olandelayo.
- Musa ukujaha ukutshala imali, ngoba kuzoba yimakethe uqobo ezokunikeza okhiye bokungena.
- Sesha amafa noma imikhakha baziphatha kangcono Ngezinyanga zokugcina.
- Nciphisa ukusebenza kwakho, futhi ungatshali yonke imali onayo yokwenza imisebenzi.
- Zama ukusesha amamodeli ahlukile ezinikeza impendulo engcono kunezimali ezivamile.
- Ungagxili yonke imali oyongile kumkhiqizo ofanayo, kepha kuzoba ngcono kakhulu kune hlukanisa kube eziningana, ngisho nasezimalini ezehlukene zezezimali.
- Ungacabangi ukuthi amanani entengo ashibhile, ngoba basengawa ngaphezulu, futhi ngenxa yalokho, zithole ngamanani asikisela ngokwengeziwe.
- Ekugcineni, khombisa ukuqaphela okuthile ngaso sonke isikhathi lapho uzothatha izikhundla kuhlobo oluthile lotshalo-mali, njengecebo lokuvikela okonga impilo yakho.