Esinye sezici ezibaluleke kakhulu zokutshala imali ezimakethe zokulingana ukungena kwezokuphepha. Kuyindawo lapho kuzosebenza khona inzuzo futhi ngenxa yalesi sizathu kubaluleke kakhulu lungisa amanani ngendlela eyenelisa kakhulu izintshisekelo zabatshalizimali abancane nabaphakathi. Akufani ukuthenga amasheya ku-3 kunase-4 euro. Phakathi kwezinye izizathu ngoba kuzofanele sisebenzise isu elihluke kakhulu lokutshala imali. Kuze kube seqophelweni lokuthi kuzodingeka ukuthi kuhlukaniswe iphuzu lokuphuma kutshalo-mali.
Kunoma ikuphi, unamasistimu lapho ungangena khona ezimakethe zezimali ngeziqinisekiso eziningi zempumelelo. Ngethuba lokuthi ngesikhathi esilinganiselwe noma esincane uzokwazi ukwenza ukonga kube nenzuzo kusuka manje kuqhubeke. Ngenzuzo eyengeziwe elula kakhulu ukuyisebenzisa nokuyisebenzisa, ngaphandle kwesidingo sanoma yiluphi uhlobo lokuqeqeshwa noma nolwazi oluningi kulolu hlobo lokuhweba. Ngemiphumela lokho kuzoba kuhle kakhulu njengoba uzobona.
Amazinga okuvula ngawo izikhundla ezimakethe zamasheya azothatha izinqumo zokuphumelela komsebenzi. Zisezimakethe zikazwelonke nangaphandle kwemingcele yethu. Ngalo mqondo, iseluleko sokuqala esikunikeza sona ukulungisa amanani entengo ngaphezu kwezinye izinto zobuchwepheshe. Ukuze ngale ndlela, izimali zakho zibe namandla okukhula amakhulu kunangaphambili. Vele, izinzuzo ezinkulu ze-10% azifani nokuthola inzuzo ye-2%.
Amazinga okungena: isilinganiso sokuhamba
Kufanele uzame ukuqondisa amasu akho okutshala imali kumasheya ahweba ngaphezu kwesilinganiso esihambayo. Le parameter ingathatha njengesethenjwa ku Izikhathi zokuhweba ezingama-20,100 noma ezingama-200. Okubanzi lokhu, ukuthembeka kwemiphumela kukhulu nokuvikeleka kokusebenza ezimakethe zezimali. Ngakolunye uhlangothi, lolu uhlelo olunemiphumela emihle kakhulu kumanani lapho kwenzeka khona lokhu kuhamba. Ukuthi iphuzu lokuthi isilinganiso sokuhamba sisebenza njengokwesekela ngaphambi kokuwa okungenzeka likhiqize.
Uma kunoma yisiphi isimo isilinganiso esikhethiwe sokuhamba sidluliwe, kuzoba ngumzuzu ocacile wokuthi ushiye izikhundla ezimakethe zezimali. Phakathi kwezinye izizathu zokuthi kungani i- kwehle ngamandla amakhulu futhi lokho kungakudalela ukulahlekelwa okukhulu ekutshalweni kwemali. Ngaphezu kwalokho, kungenye yezinhlelo ezikhethwe ngabahlaziyi abaningi bezezimali ukuncoma ukuphepha kwabo okuthandayo kumakhasimende. Ngethuba elihle lokuthi izibikezelo zakho zokutshala imali zizogcwaliseka.
Ukunqoba ukumelana
Ingenye imodeli ye-IPO ethembeke kakhulu futhi esebenza kahle ngoba ayivamile ukuba nephutha ekuhlaziyweni kwayo kobuchwepheshe. Ngoba ihambisana nalokho okuthiwa umthetho wokuhlinzeka nokufunwa phakathi kwabatshalizimali izimakethe zokulingana. Isu lalo kulula kakhulu ukusisebenzisa ngoba lincike kokuthile okunengqondo ukulenza njengokuthi lapho ukumelana kwephukile ngokwanele, ukuthambekela kokuhamba kungukunyuka okuqondile. Phakathi kwezinye izizathu kuze kube ukumelana okusha kusengaphambili.
Lolu hlelo lokuhlaziya lusetshenziswa izinkulungwane nezinkulungwane zabatshalizimali abancane nabaphakathi abasebenzisa le minyakazo ekuguqukeni kwamanani ukuthatha izikhundla kwezokuphepha, inkomba noma umkhakha wezimakethe zezimali. Vele, akunzima nakancane ukuyithola ngesikhathi futhi ngale ndlela yenza ukulondolozwa kwethu kube nenzuzo ngeziqinisekiso ezinkulu zempumelelo kunanamuhla. Ngoba ngaphezu kwalokho, amandla ayo wokubuyekeza aphakeme kakhulu futhi ngaphezu kwamanye amasistimu otshalomali abazimele esiwasebenzisa kaningi.
Ivolumu yenkontileka
Ukukhuphuka kwamasheya enani elihambisana nokukhuphuka kwevolumu yokuhweba nakho kuyisiqinisekiso sempumelelo ekutshalweni kwethu emakethe yamasheya. Lokhu kungenxa yokuthi abatshalizimali empeleni bakhombisa intshisekelo kwezokuphepha okukhulunywa ngazo. Kepha kulokhu kufanele kube nokwanda okuphawuleka kakhulu ku ukushintshwa kweziqu phakathi kwabatshalizimali. Kuzoba uphawu olucace bha ukuthi kukhona okwenzekayo empeleni nokuthi izinkunzi zihunyushwa njengesihluthulelo sokunyakaza okunamandla. Kungaba esinye sezikhathi lapho udinga ukungena ezimakethe zamasheya ukwenza imali oyongile ikwazi ukwenza inzuzo.
Ngenkathi ngakolunye uhlangothi, ungakhohlwa ukuthi lena ngenye yamapharamitha alula ukuwathola futhi ngenxa yalokho ayidingi ulwazi olubaluleke kakhulu lokuhlaziywa kobuchwepheshe. Ngokushesha nje lapho uba nentshisekelo emhlabeni wemakethe yamasheya, uzobona ukwehluka okukhiqizwa ngevolumu yokuhweba kwezibambiso ezithintekile. Kuyisu lokutshala imali ukuthi kuyaqabukela kwehluleke ngakho-ke ungayisebenzisa ngengcuphe encane kakhulu ekusebenzeni. Kufika ezingeni lokuthi kungumthombo oyisethenjwa wengxenye enhle yabahlaziyi bezezimali.
Ukubuyekezwa komhlaziyi
Njengoba wazi kahle, ama-broker bavame ukuhlola kaningi kakhulu amanani entengo ezinkampani ezifakwe kuhlu. Ukuthatha phezulu noma phansi ngokuya ngesilinganiso sakho. Endabeni yokuthi bangabokuqala, kungaba yithuba elihle lokungena ezikhundleni zabo. Ngoba ukunyakaza okuphezulu kokuqina kuvame ukukhula, okungenani ngezikhathi ezimbalwa zokuhweba. Kungenye yezimo zokungena ezimakethe zezezimali yize isikhathi esifushane kakhulu sokuhlala unomphela ukunyakaza kwayo kukhawulelwe kakhulu.
Ngakolunye uhlangothi, ukubuyekezwa kwabahlaziyi bezezimali kusho ukuthi ungashintsha iphothifoliyo yakho yezokuphepha. Ukuqeda iziphakamiso ezithile emakethe yamasheya futhi ungeza abanye maqondana namathemba alaba bameli bezezimali. Kunoma ikuphi, akuyona indlela enokwethenjelwa njengakuqala, kepha okungenani uzoba nomunye umthombo oyisithenjwa wokwakha iphothifoliyo yokutshala imali enengqondo futhi elinganiselayo kusukela manje kuqhubeke. Ngokusekelwa okuyisisekelo okuyisisekelo okungakuholela ekwenzeni ibhalansi ye-akhawunti yakho yokonga ikhule ngendlela ezuzisa kakhulu ezithakazelweni zakho.
Ukwandisa ukuvalwa kwamasonto onke
Lapho lesi simo senzeka, kunikezwa isiginali eqondile ngomqondo wokuthi amasheya azokhuphuka ngentengo emasontweni azayo. Kepha kulokhu ngeke ube nenye indlela ngaphandle kokuthi ube kakhulu kusalindwe ukuvalwa ezimakethe zokulingana. Akumangalisi ukuthi ukuqhathanisa kufanele kwenziwe esikhathini esithe xaxa, okungenani amasonto amane noma amahlanu. Qaphela kakhulu, kufanele kube ukuvalwa kokugcina kwesonto, hhayi izinsuku eziphakathi nokuthi kulo mqondo kuncane kakhulu abangakusho. Ngaphezu kwalokho, ukunyuka kuzothuthuka futhi ngokuvamile ngeke kube namandla amakhulu.
Esinye isici okufanele usicabangele kusukela manje kuqhubeke yiso esiphathelene nokuthi kungenzeka ukuthi i-alamu yamanga. Lokhu kuyinto engenzeka futhi eyenzeka kaningi kunalokho ongase ucabange kwasekuqaleni. Ngalesi sizathu, lolu hlelo lokuhlaziya aluthembeki kakhulu kunezinye esikuvezele lona futhi ludinga ukujula okukhulu kwezinye izinhlelo noma izibalo emakethe yamasheya. Ukuze ngale ndlela ungabambeki kunani. Lokho wukuthi, kude kakhulu nentengo yokuthenga futhi lokho kungaholela ekutheni wenze ukuthengisa okungafuneki nganoma yisiphi isikhathi.
Ilungele ukuphuma ezimakethe
Kunoma ikuphi, enye yezinzuzo ezitholwa ukwamukelwa kwalesi simiso sokutshalwa kwezimali ukuthi iyakuvumela uthole inzuzo ephakeme yemali ngoba ukunyuka kwentengo kunamandla amakhulu. Kepha ngakolunye uhlangothi, kufanele unake kakhulu isikhathi lapho ukuvalwa okwengeziwe kwamasonto onke kuyeka. Ngoba empeleni, kuzokwazi ukuthi ubulindele ukuphuma ezikhundleni ngokushesha okukhulu. Akumangalisi ukuthi ukuwa kuvame ukulingana nokukhuphuka futhi noma yiliphi iphutha lingadlala umdlalo omubi. Ngoba ekugcineni kosuku kuyimali yakho oyidlalayo kule misebenzi emakethe yamasheya.
Ngawo wonke la macebo okutshala imali, kusukela manje uzoba nokuncane okuncane konga imali okunenzuzo. Kepha ukwazi ukuthi ezimakethe zamasheya akukho lutho olungenaphutha futhi ungenza iphutha elengajwayelekile elonakalisa zonke izinhlelo obukade uzilungiselela ukufeza izinhloso zakho ozifuna kakhulu emakethe yamasheya. Kunoma ikuphi, kungcono kakhulu kunemisebenzi yakho iya esikhathini esifushane ngezindlela ezingokoqobo ngokwenzekayo ezimakethe zezezimali. Ukuze ekugcineni impumelelo ifakwe esitatimendeni sakho sokugcina semali engenayo.