Uzihlanganisa kanjani izimali zokutshala imali kwizimali?

Enye yezinzuzo zezimali zokutshala imali ezincike ezimakethe zokulingana ukuthi zivumela ukwehlukaniswa kwempahla yazo yezezimali. Ukufika ezingeni lokuthi kunezinhlobo eziningi abatshalizimali abancane nabaphakathi abangakhetha kuzo. Njengenye yezimpawu ezihambelana kakhulu nokuthi yiziphi izimali zokutshala imali kuqhathaniswa nezinye izinhlelo zokutshala imali kokufana okufanayo. Kwakha ukuguquguquka okuthe xaxa ekuphatheni ukonga kwakho kusuka manje

Ngale ndlela yokutshala imali, sizokuchazela ngezansi ukuthi yiziphi ezinye izinhlanganisela ongakhetha kuzo ezikhwameni zokutshala imali ezikhethiwe. Kungenzeka ukuthi isiphakamiso esivela ngezikhathi ezithile sizokumangaza ngokuqala kweziphakamiso ekuphathweni kwale mikhiqizo yezezimali. Lapho ungafinyelela khona uchungechunge lwezimakethe zokulingana kwezezimali ze-exoticism engangabazeki futhi ongakwazanga ukuyifinyelela ngawodwana ngokuthenga nokuthengiswa kwamasheya emakethe yamasheya. Ngemiphumela engaba yinzuzo kakhulu ngesikhathi esithile sonyaka.

Ngenkathi ngakolunye uhlangothi, izimali zokutshala imali zalezi zimfanelo azikwazi ukuhlanganiswa kuphela nezimpahla zokulingana. Uma kungenjalo, ngokuphambene nalokho, ungahlanganisa nokunye kususelwa kumholo ohleliwe, izimpahla zemali noma ngisho nokuvela kulokho okuthiwa okunye ukutshalwa kwezimali. Ngenhloso eyodwa nokuthi lokhu akuyona enye into ngaphandle kokwenza ngcono umkhawulo wokulamula wesikhwama sendabuko noma esivamile sokutshala imali. Ngokuthuthuka kwayo ngamaphesenti ambalwa kunamamodeli woqobo. Lokho kungukuthi, ukuze ube nezinzuzo ezinkulu lapho uvala izikhundla kulo mkhiqizo wezezimali.

Amakilasi ama-Equity

Ngaphakathi kwalo mongo, omunye wemibono osesondele kuwo ukuncika emalini yaseYurophu naleyo ye- United States. Kuyindlela ephumelela kakhulu yokuvikela imali yakho etholakalayo ngezikhathi zokungazinzi okukhulu ezimakethe zezezimali. Ngoba ihlangabezana nenhloso yokungatshali imali kubhasikidi owodwa, kepha okuphambene nalokho ekugcineni okwenzayo ukwehlukanisa izimpahla zezimali lezi zimali ezitshaliwe ezisekelwe kuzo. Ngenzuzo yokuthi wena ngokwakho ungakhetha imodeli eyenziwe izinkampani zokuphatha. Kulokho okulungiselelwe umongo wokuthi lo mkhiqizo uhloselwe ukutshalwa kwezimali kuyini ngempela.

Ngakolunye uhlangothi, kufanele kuphawulwe ukuthi lezi zimali zokutshalwa kwezimali zithathwa njengemikhiqizo ye- ukuphathwa okusebenzayo noma okungenzi lutho esimweni ngasinye. Lapho kubhekelelwa khona abaphathi babo ngesikhathi sokuqashwa kwabo kusuka manje kuye phambili futhi lokho kungaholela ekuziphatheni kwabo kube ngandlela thile. Ngoba, ngokwesibonelo, ekuphathweni okusebenzayo ukutshalwa kwezimali kungashintshwa ukuze kuvunyelwe izimo ezintsha ezibekwe izimakethe zamasheya ngokuhlukahluka okubonakalayo kuphothifoliyo yokutshala imali. Ukufika ezingeni lokuthi imingcele yenzuzo efinyelelwe kulelo phuzu ingathuthukiswa.

Kusatshalaliswa izindawo ezindawo

Enye yempumelelo engaba khona ekutshalweni kwemali isuselwa ekuhlukaniseni izindawo. Ungakhetha imakethe yamasheya yaseYurophu, yaseMelika, noma enye indawo ongaya kuyo ezikhungweni zezezimali. Ngoba kumayelana nokuphela kosuku ukuthi yonke imali etshaliwe ayiyi endaweni eyodwa noma kubhasikidi oshiwo kangcono. Kunoma ikuphi, kuyithuluzi elinamandla ukuvikela izikhundla zethu ezimakethe zezezimali lapho bedlula ezikhathini ezithile zokungazinzi. Ukuvumela ukuthi sikhethe imodeli yokutshala imali ukuqina kuzo zonke izidingo zethu kunani elengeziwe elisilethela izinzuzo eziningi kusukela manje.

Ngenkathi ngakolunye uhlangothi, asikwazi ukukhohlwa ukuthi ukukhetha ukutshalwa kwezimali okusatshalaliswa izindawo ngokwendawo akunakusiza ekwenzeni ngcono imingcele yokulamula kusukela manje kuqhubeke. Ikakhulu, ngoba kuzokhawulela ukulahleka ezimweni eziningi, ikakhulukazi ezikhathini ezikhetheke kakhulu lapho ukungaziphathi kuyinto ejwayelekile ezenzweni zalezi zimpahla zezimali futhi kusiholele ezimweni ezingafuneki ngezintshisekelo zethu, njengoba kwenzekile eminyakeni yamuva. Futhi kulabo bethu okufanele bafunde ukuziphatha kahle kakhulu ukufeza izinhloso zethu ezimakethe zezimali.

Ukuphepha okuvela emikhakheni eyehlukene

Esinye isihluthulelo sempumelelo ekutshalweni kwemali emakethe yamasheya kungenxa yokwehlukahlukana ezigabeni ezahlukahlukene zemakethe yamasheya. Lokhu kusebenza kusho into elula ukuchaza ukuthi kufanele uyabe kanjani imali imigqa ehlukene yebhizinisi, hhayi eyodwa kuphela, njengoba inamba enhle yabatshalizimali abancane nabaphakathi benza ngemvamisa ethile. Ungakhetha ugesi, amabhange, izinkampani zokwakha, ezokuxhumana ngocingo noma izinkampani ezisabalalisa ukudla, phakathi kwezinye zezinto ezifanele kakhulu. Ngalo mqondo, u-2020 uzoba unyaka wezinzuzo ezinhle lapho kulula khona ukusondela kwimikhiqizo eyehlisa ukuguquguquka kwamaphothifoliyo ethu. Futhi iyiphi indlela engcono ukwedlula ukwehlukanisa izimpahla zezimali ngokuya ngemikhakha yazo yemakethe yamasheya.

Ngakolunye uhlangothi, kufanele kuqashelwe ukuthi ezinyangeni ezimbalwa ezizayo noma eminyakeni, utshalomali lomhlaba wonke yilona olunokuningi futhi okufanele lube phambili kuphothifoliyo yethu elandelayo yokutshala imali. Ngokwalokhu kubuka, akukho okungcono kunokuhlanganisa izingxenye ezinamandla kakhulu ezikhona njengamanje futhi ezingaba esinye sezikhiye zokwenza ngcono imbuyiselo kulondolozo lwethu esilutshalile. Kungathuthukiswa ngamaphoyinti ambalwa wamaphesenti kunokusebenza kokuqala. Ukuze ngale ndlela, inzuzo etholakalayo ibe nkulu kunangaphambili ukwenza leli su lokutshala imali obekulindelwe ngabasebenzisi bemakethe yamasheya.

Kuya ngokusatshalaliswa kwesahlukaniso

Enye indlela yokweseka inzuzo yotshalo-mali isuselwa ekukhetheni izinkampani ezifakwe kuhlu ezisabalalisa izinzuzo phakathi kwabaninimasheya. Ukuze ngale ndlela, kube nomholo ongaguquguquki futhi oqinisekisiwe njalo ngonyaka nanoma yini eyenzekayo ezimakethe zezimali. Ivumela ukuthola isilinganiso senzalo se- kufika ku-9% ngokungaguquguquki futhi kunoma yisiphi isimo esingcono kunaleso esinikezwa yibo bonke abasebhange noma imikhiqizo engenayo engaguquki. Lapho umkhawulo wokulamula ungeqiwe cishe ku-0,75% futhi onganele ukwanelisa izidingo zabasebenzisi basebhange.

Ngenkathi ngakolunye uhlangothi, isu lokutshala imali elisuselwa ekusatshalalisweni kwezabelo linikeza uzinzo olukhulu kuphothifoliyo yokutshala imali yabathengisi abalondolozayo noma abavikelayo. Futhi lokho kungahlanganiswa nezinye izimpahla zezezimali ezinolaka kakhulu futhi ezinikeza ubungozi obukhulu ekusebenzeni. Ngale ndlela, ukuthambekela kwalawa magugu kuyashintshwa ukuze kunikezwe ukuphepha okwengeziwe emiphumeleni yalokhu kuhamba ezimakethe zezimali. Ukuba ngomunye wemikhuba elandelwa kakhulu yisibalo esihle sabantu abakhetha lolu hlobo lwamasu okutshala imali.

Kuhlanganiswe nezinye izimpahla

Vele, akuzona ukuphela kwezinketho esinazo zokwakha iphothifoliyo yethu kusukela manje kuqhubeke. Uma kungenjalo, kunalokho, kunenye indlela yangempela yokuxuba izimpahla zokulingana namanye amamodeli ekutshalweni kwemali. Zingaba sezikhundleni ezilondolozayo kakhulu, ngokwesibonelo kuzimpahla zemali, njengefomula yokuvikela ukulahleka okungenzeka kusuka ekusebenzeni emakethe yamasheya. Ngenkathi ngakolunye uhlangothi, ungakhetha futhi ezinye izimpahla ezinobungozi obuphezulu njenge-real estate futhi inhloso yayo enkulu ukuthuthukisa ukusebenza kwale stock stock. Ukuba ngomunye weminikelo eyinhloko yaleli su ekutshalweni kwezimali.

Elinye iqiniso elifanele kuleli su liqukethe iqiniso lokuthi lingalungiswa kwizidingo zephrofayili yabatshalizimali abancane nabaphakathi. Lapho kuzohluka khona esimweni ngasinye futhi ngandlela thile kwenziwe ngokusemthethweni ukuze kulungele abasebenzisi ngokwabo. Ukusuka kuzindlela ezinolaka, zokuzivikela noma eziphakathi ngokuya ngezidingo zomuntu ngamunye. Lokho wukuthi, ngaphansi kokuguquguquka okufanele ukukuqhakambisa ngoba akuyona imodeli emile, kepha kunalokho, yenziwa ngezifiso zonke kuzo zonke izimo. Ukuze kusesimweni sokwenza ngcono izinzuzo zale misebenzi ezimakethe zezimali nokuthi ezimweni eziningi izinhloso ezibekwe yila maklayenti zizofinyelelwa.

Njengoba kuzokwazi ukukhombisa ukuthi ukutshalwa kwezimali emakethe yamasheya kungashintsha kakhulu kunalokho okungacatshangwa ekuqaleni. Ngalo mqondo, kungenzeka kuphela ukukhetha imodeli ehlangabezana kangcono nezifiso zabatshalizimali abancane nabaphakathi. Inhloso, ngemuva kwakho konke, ekhona endleleni yabo ebudlelwaneni babo nezwe lemali.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.