Esinye sezihluthulelo zokuphatha kangcono izimpahla nokuzivikela, ngokombono wabasebenzeli bezezimali, kuzoba ukwehlukanisa utshalomali. Akufanele zigxilwe kunani elilodwa kuphela, noma ngisho nempahla yezezimali. Kepha, kunalokho, kufanele isatshalaliswe kubhasikidi abaningana. Ngokunye okubanzi kokuphakanyiswa, kuya ngesimo sezimakethe zezimali: imali engenayo, Imikhiqizo engaguquki, yemali, kanye nemodeli entsha engajwayelekile.
Ngale ndlela, ukonga okuvela ezimweni ezimbi kakhulu kuzogcinelwa abatshalizimali. Ngethuba langempela lokuthi ungenza imali yakho inenzuzo ezinyangeni ezizayo ngeziphakamiso ezihluke kakhulu. Kunoma ikuphi, ngeke kube ukuhlakanipha noma kube nengqondo kuwe ukugxilisa yonke imali edalelwe ukutshalwa kwemali enanini elilodwa lemakethe yamasheya. Njengoba kungenzeka manje. Ngeke ube nokhetho ngaphandle shintsha amasu akho, ngisho nokuwashintsha kakhulu.
Ngemuva kokufunda le ndatshana, uzobe usesimweni esidingekayo ukwehlukanisa utshalomali lwakho. Ngeke nje kukusize uvikele ukonga kwakho okutshalile, kepha nokwenza kahle ukusebenza kuzophawuleka kakhulu kunamanje. Ungakwazi ngisho nokuqonda ekutshalweni okuthile kuze kube manje obekungenakucatshangwa. Ezinye zazo zingezasekuqaleni, kwezinye izimo ziyakha.
Hlukanisa: kuzimpahla ezahlukahlukene
Umthetho wokuqala wokusebenzisa leli su lokutshala imali eliyingqayizivele. Ngaphandle kokugxila kulo lonke utshalomali enkampanini eyodwa efakwe ohlwini, hhayi ngisho nasezimalini ezifanayo zezezimali. Ukonga kufanele kube kumamodeli ahlukahlukene wokutshala imali. Hhayi kuphela emholweni oguquguqukayo, kepha futhi nakokutholwayo okuhleliwe, nakwezinye izinhlobo. Ngale ndlela, ngeke ube ngaphansi kokwehla kwenani ngaphezu kokujwayelekile kokuphepha kwezezimali noma kwempahla. Kuzoba inzuzo yokuqala oyithola kulayini wezenzo.
Noma kunjalo, kunezinombolo ze- imikhiqizo yasebhange noma yezezimali ehlangabezana nalezi zici. Ikakhulukazi, izimali zokutshala imali, okuyizo ezihlangabezana nazo zonke lezi zici ngokwakhiwa kwazo kumasheya, imali engenayo engaguquki kanye nezinye izindlela ezihlukile. Zenziwa yizinkampani zokuphatha ngaphansi kokwehluka okubalulekile ezimpahleni zazo zezezimali. Ngale ndlela, bazosiza abaphethe le mikhiqizo ukuthi bazivikele ekungazinzile kwezimakethe zezimali.
Ukwehlukaniswa kotshalo-mali kufinyelela ezingeni lokuthi izimpahla ezisuka kumasheya zivame ukuhlanganiswa nalezo ezivela kumali engenayo engaguquki. Ngale ndlela, uma amasheya ewa ezimakethe zanoma isiphi isimo, izintshisekelo zabasindisa imali zizovikeleka ngokutshalwa kwemali okususelwa emalini engenayo engaguquki, futhi ngokufanayo. Ngenye yamasu asetshenziswa kakhulu abasebenzisi ukulondoloza imali yabo. Ikakhulukazi ngezikhathi ezinzima ezimakethe zezezimali.
Amamodeli aguquguquka kakhulu emakethe
Esinye sezenzo esivame ukuthuthukisa iphothifoliyo yokutshala imali isuselwa ekusayineni imikhiqizo enikezwe ukuguquguquka okukhulu ekukhetheni izimpahla zezezimali. Noma kushiwo ngamanye amagama ukuze uqonde. Zama uku ukuzivumelanisa nazo zonke izimo zemakethe, kokubili ngaphansi kwamathrendi aphezulu naphansi. Kuzoba ithuluzi elifanele kakhulu ukugwema ukwenza amaphutha ongazisola ngawo kamuva.
Amafomethi aguquguqukayo anezinzuzo eziningi kunezinye izinhlobo zokutshala imali. Futhi ukuthi ziqhutshwa kakhulu ngabaphathi abakhulu bezimali. Ngeke kudingeke wenze izinguquko noma uguqule iphothifoliyo yakho yokutshala imali. Bonke abaphathi bazokwenziwa kusuka kulabaxhumanisi bezezimali. Uzoba nelungelo lokuyidlulisela kweminye imikhiqizo kuphela uma ungavumelani nokuvela komkhiqizo onenkontileka.
Futhi, yizimali zokutshala imali ezithatha kahle kakhulu lolu hlelo olusikisela. Kepha qaphela, akuyona yonke imikhiqizo egcina noma ehambisana nalezi zici. Uma ukhetha le modeli yokuphatha, ngeke uze ukhethe kodwa khetha isikhwama esivumelana nezimo. Amafomethi amasha avela njalo lapho esebenzisa leli qhinga futhi angakusiza ukuthi utshale izimakethe zezimali ngeziqinisekiso ezithe xaxa.
Vula kwezinye izimakethe zezezimali
Enye yezikhiye eziyinhloko zokuvikela ukonga kwakho akugxili ukutshalwa kwemali kwakho emakethe eyodwa yezezimali. Ukwehlukaniswa nakho kufinyelela kula mazinga. Akumangazi ukuthi ungonga imali yakho oyitshalile ezimakethe zamasheya ezingaphezu kwesisodwa, ukuzama ukukhawulela ukulahleka okungenzeka kungakhishwa kwizimali zamazwe omhlaba. Kuyinto efiseleka kakhulu ukuthi uyenze ngokusebenzisa ukuphepha noma imikhiqizo evela emikhakheni ehlukahlukene.
Ngaphandle kokungabaza, kuzokusiza ukuthi uthuthukise izikhundla zakho. Ngezinga lokuthi ungazuza ezimweni ezinhle kakhulu emakethe yamasheya ngesikhathi esithile. Akukhona ngokuya ezimakethe zamasheya ezahlukahlukene ngaphandle komqondo, kepha ukusebenzisa amathuba ebhizinisi okuvela njalo ezimakethe zezezimali. Uma usebenzisa leli su elilula lokutshala imali, uzoba nomhlaba omningi ozowuthola kusukela manje kuqhubeke.
Lokhu kuhamba kukhona emikhiqizweni eminingana ehloselwe ukutshalwa kwezimali. Kusukela ekuthengweni nasekuthengisweni kwamasheya kuze kube yinkontileka yeminye imikhiqizo yezimali eyinkimbinkimbi. Kusuka kwizimali ezidayiswa ngokushintshaniswa kuya ezigunyazweni. Ungakhetha nokuphuma kokunye, kodwa ucabanga ukuthi izingozi ozithola ziphakeme kakhulu. Uzodinga ukufunda okubalulekile ukuze usebenze nale mikhiqizo yezezimali.
Ukukhetha amamodeli axubekile
Elinye isu, yize liyinhlanganisela yeziphakamiso zangaphambilini, lisuselwa kokunye ukukhetha imikhiqizo exubekile. Kuyindlela elula yokwehlukanisa ukonga. Ungakwenza ngqo ezikhundleni zakho ezimakethe. Noma kunalokho, ngemikhiqizo ehlangabezana nalesi sici. Imvamisa zivela ezikhwameni zokutshala imali ezihlanganisiwe, onazo iziphakamiso eziningi.
Lezi zimali zibonakala ngokulula hlanganisa izimpahla zezimali eziningana ezivela kumkhiqizo ofanayo. Yinto ehlukanisayo maqondana nezinye iziphakamiso ezinezici ezifanayo. Ngaphandle kokukucabanga ukwanda kwezindleko zokuphathwa noma ukunakekelwa kwale mikhiqizo. Ziyatholakala kunoma yiluphi uhlobo lwephrofayili phakathi kwabatshalizimali abancane. Kuzofanele ukhethe kuphela imodeli evumelana kahle nezindlela zakho ezikhethekile zokukhulelwa utshalomali.
Futhi kungenye yezindlela zokugcina imali oyongayo inesiqinisekiso esikhulu sokuvikelwa. Futhi lokho kusetshenziswa ngabatshalizimali abanolaka kakhulu kunalabo abanengxenye yokuzivikela. Lesi yisigaba semikhiqizo ethola indawo kumkhakha wamanje wokuklanywa kwezezimali. Ngobubanzi obubanzi futhi obubalulekile beziphakamiso ezihlangabezana nezidingo zakho kulo mkhakha wokutshala imali.
Bheka imikhiqizo enamanzi kakhulu
Akudingeki nje ukuthi uhlukanise utshalomali lwakho, kepha kunconywa kakhulu ukuthi ukhethe amafa wezezimali anemali eningi. Inhloso yakho ngeke ibe enye ngaphandle kokukwazi ukungena nokuphuma ezimakethe zezezimali kalula, futhi ngamanani emakethe, angalokothi abekwe yibo. Ngale ndlela, uma kwenzeka noma yisiphi isehlakalo esibi, iminikelo yemali ingabuyiselwa. Lesi simo senzeka ngemvamisa ethile yamakepisi amancane ezimakethe zezimali.
Kwakha isu eliwusizo kakhulu le- Izimo ze-bearish zezimakethe zamasheya. Banikeza ukuguquguquka okukhulu kokusebenza, nangomugqa ofana nokulungisa amanani. Uma utshala imali oyongile kumanani amakhulu ezimakethe, kuzwelonke nangaphandle kwemingcele yethu, ngeke ube nezinkinga ezeqile ukwenza lesi senzo.
Mayelana neminye imikhiqizo yezezimali, inhloso izoba ngenye indlela. Ukuthi ungaba nayo yonke imali yakho ngesikhathi esisheshayo. Noma kunini lapho unquma ukuvala izikhundla futhi ubuyise amanani ahlanganisiwe kule misebenzi. Njengesibonelo, ezimali zokutshala imali kufanele ulinde phakathi kosuku olulodwa noma usuku ukuze intengo yamasheya akho iye ngqo kwi-akhawunti yakho yokuhlola.
Vuselela iphothifoliyo yakho njalo
Enye indlela ethakazelisa kakhulu kuwe ukuthi uvuselele iphothifoliyo yakho yokutshala imali kaningi. Kuzoba ngenye yezindlela eziphumelela kakhulu ukuthola inzuzo ephezulu ezindaweni zakho zokuthenga. Ngisho usuka komunye umkhiqizo uye komunye, kuya ngezimo zezimakethe zezimali, kodwa futhi nakwezomnotho jikelele uqobo. Izophinde inikeze ukuguquguquka okungaphezulu kokutshalwa kwezimali, noma kube noshintsho kumkhuba esitatimendeni semali engenayo.
Lapho ungakhululekile ngokuvela kwemali oyilondolozile, uzoba nayo kulula kakhulu. Shintshela kwezinye izindlela zokonga noma zokutshala imali. Kepha ukwazi ukuthi lokhu kusebenza ungaba nezindleko zezomnotho ngendlela yamakhomishini nezindleko ekuphathweni nasekugcinweni kwayo. Yize kuzokufanele impela ukwenziwa kube semthethweni.
Ukwenza lo msebenzi oyingqayizivele, imfuneko kuphela abazokucela yona ukuthi unokonga okwahlukahlukene ngokusebenzisa izimpahla ezahlukahlukene zezezimali. Futhi akudingeki ukuthi babe baningiyebo, kepha ezimbalwa zazo zizokwanela. Ungakhohlwa uma ufuna ukusebenzisa leli qhinga kusuka manje kuqhubeke.
Njengomphumela walolu chungechunge lwezeluleko esikunikeza zona kusukela kule ndatshana, udinga nje ukunaka okungenzeka kwezinye izimakethe zezezimali, noma kwezinye izindawo. Awazi ukuthi angaba kuphi amathuba angempela ebhizinisi. Mhlawumbe amakhilomitha amaningi ukusuka lapho uhlala khona.
Yize njengokujwayelekile, ukwehlukanisa izikhundla zokuthenga njengefomula yokulondoloza umcebo wakho ngempumelelo. Uma inamandla amakhulu, iyoba ngcono ngezintshisekelo zakho. Yinto abatshalizimali abancane nabaphakathi abanolwazi oluningi kuzo zonke izinhlobo zezimakethe zezimali abangayincoma. Ngisho nasezintweni ezintsha kakhulu eminyakeni yamuva. Kuzoba wusizo olukhulu ukwenza amasu akho ayisisekelo kulo mkhakha.