Vele, kukhona impilo edlula imakethe yamasheya futhi phakathi kwabo uchungechunge lwemikhiqizo engaziwa kakhulu kubatshalizimali abanobungozi obukhulu ekusebenzeni kwabo ivelele. Kunjalo izinsimbi zokutshala imali kusuka lapho uvame ukuthola imali eningi ngokuhamba okuvulekile, kodwa qaphela kakhulu, ngoba ungashiya futhi ama-euro amaningi endleleni. Kunoma ikuphi, kulula kakhulu ukuthi ubazi uma kwenzeka kwesinye isikhathi kungaba nenzuzo enkulu ukuyisa izinqumo zakho ezimakethe zezimali.
Kukhona okufana kakhulu kuyo yonke le mikhiqizo yezezimali futhi yilokho kuphela amamodeli anzima kakhulu ukusebenza futhi-ke uyaqonda. Ukufika ezingeni lokuthi uzodinga ukuqeqeshwa okuthile ekusebenzeni kwayo. Kokubili kususelwa kumbono wethiyori nongokoqobo. Ngoba awukwazi ukukhohlwa nganoma iyiphi indlela ukuthi kunemali eningi oyidlalayo ekusebenzeni kwakho kuzimpahla zezimali ezikhethiwe. Lapho kungaba kakhulu futhi ngaphandle kokukhawulela wena kuphela ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya.
Kunoma ikuphi, kungaba yifayela le- ithuba lebhizinisi langempela uma wazi ukuthi ungasebenza kanjani nalezi zinhlobo zokutshala imali. Yize kuzo zonke izimo, ngaphansi kwemali etshaliwe engafanele ifake engcupheni ukuxhaswa kwakho ngokwezimali. Lesi ngesinye sezihluthulelo ezizokusiza ukwengeza ukusebenza futhi ngaleyo ndlela ungene esimweni esingafunwa yinoma yimuphi umtshalizimali omncane naphakathi. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe obuzobuyekezwa kwenye indatshana ngale mikhiqizo yezezimali enesikhala esikhulu futhi ngasikhathi sinye eyingozi.
Ingozi: izimali ezihwebelana ngokushintshaniswa
Ingenye ye imikhiqizo evelayo ezimakethe zezezimali, kepha lokho kuvumela ukufinyelela kwezinye izimpahla ezejwayelekile zezimali. Kuyingxube phakathi kokuthenga nokuthengisa amasheya emakethe yamasheya nezimali ezihlangene. Kepha sethula amakhomishini ancintisana kakhulu kunamamodeli wokutshala imali wangaphambilini. Izimali ezihwebelana ngokushintshisana, ngakolunye uhlangothi, zisuselwa kuzimpahla zombili ezingaguquguquki nezingaguquguquki, kanye nezinye izinketho.
Konke lokhu kungaphakathi komkhiqizo wezezimali ofanayo njengalowo futhi kuhloswe ngayo yonke imigomo yesikhathi esigcwele: imfushane, iphakathi nendawo futhi yinde. Ngokungafani nezimali zokutshala imali ezihloselwe amafomethi amabili wokugcina kuphela. Kuyindlela elula kakhulu yokuthi uthathe izikhundla ezinkethweni eziyinkimbinkimbi zokutshala imali zokuqasha kwakho futhi ezingadala enye inkinga kubatshalizimali abancane nabaphakathi. Ngokunikezwa okunamandla amakhulu okwamanje yizikhungo zezikweletu.
Imikhiqizo Yokuhweba
Bangamamodeli wokutshala imali ukwenza imisebenzi ezimakethe zezimali esikhathini esifushane. Hhayi nje ukwenza ukunyakaza emakethe yamasheya, kepha nakwezinye izimpahla zezezimali ezingaziwa kakhulu kubatshalizimali. Ngaphandle kokukhohlwa ezinye izinto ezintsha ezinjengalezo ezimelwe yi- zezimali zedijithali noma imali yedijithali. Ngoba inhloso ekugcineni ukwenza imali izuze ngokushesha. Yize lesi sici sikhuthaza ubungozi bokusebenza ukuthi bube bukhulu kakhulu ngoba ngaphandle kokungabaza ungalahlekelwa yimali eningi ekuhambeni okuqondiswe ekuhwebeni.
Ngakolunye uhlangothi, lolu hlobo lwemikhiqizo ekhetheke kakhulu yezezimali ludinga ukufundwa okwengeziwe kuyo. Ngakho-ke, leli akulona icala lakho, kungcono ukuthi ugweme noma yikuphi ukuvuleka ezikhundleni ukuze ugweme izimo ezingafuneki kutshalomali. Le yinkinga enkulu ngokubamba iqhaza ku- imisebenzi yokuhweba. Lapho kungangabazeki ukuthi kungenye yamamodeli lapho ungathola khona imali ethe xaxa kusukela manje kuya phambili ngenxa yezici ezikhethekile ezilethwa yile ndlela ehlukile yokutshala imali.
Iziqinisekiso: ukutshalwa kwezimali okuyinkimbinkimbi
Ungomunye wemikhiqizo enobungozi obukhulu futhi yize ngaphandle kokufinyelela esigabeni sobuthi akuyona enye yezincomo ezinconyelwa kakhulu ngabatshalizimali abancane nabaphakathi. Ngenkathi ngakolunye uhlangothi, uma ama-waranti ebonakala ngokuthize, kungenxa yokuthi wethula okukodwa kwe- amazinga asetshenzisiwe aphezulu. Lesi sici sithanda ukuthi inzuzo ongayithola ingaphezulu kuneminye imikhiqizo yezezimali yokubaluleka okukhethekile kotshalo-mali. Ukufunda kwakho, ngakolunye uhlangothi, kufanele kube yisibopho uma ungafuni ukuba nezinkinga ezithile ekwakhiweni kwemishini yakho yokutshala imali.
Noma kunjalo, enye yezinzuzo ezinhle ezihlinzekwa yimvume ukuthi ungabheja, kuzo zombili izikhundla ze-bearish kanye ne-bearish. Njengomphumela walesi sici, ungakwazi ukuzivumelanisa nanoma yiziphi izimo ezimakethe zezimali. Ngokudumile izikhundla ezinjenge-put and call. Kokubili maqondana namasheya ezimakethe zamasheya, kanye nezinkomba noma imikhakha kulezi zimakethe zezezimali. Ngakho-ke kungumkhiqizo wokutshala imali oguquguqukayo ongaba inketho enhle kakhulu ezimweni ezimbi kakhulu zokushintshana ngokujwayelekile. Yize uhlala wenza ngokuqapha kuyo yonke iminyakazo oyivulayo.
Okuphuma kwezezimali
Akungabazeki ukuthi sibhekene nomunye wemikhiqizo yezezimali enobungozi obukhulu. Ngoba izinga lalo lokuphakamisa liphakeme kakhulu. Lesi yisici sokuthi kungakwenza ulahlekelwe cishe yonke inhlokodolobha ukuthi uzotshala imali kusuka manje kuqhubeke. Ngokuphambene nalokho, okuphuma kwezezimali kungumkhiqizo okhonjwe ngamapulatifomu wokutshala imali edijithali. Ngengozi enkulu ekusebenzeni okwenziwe njengoba zenziwa zaba semthethweni nemibandela yokuqashwa kwabo okunzima kakhulu. Ngamakhomishini angaba banzi kakhulu.
Lesi sigaba semikhiqizo yezezimali, ngakolunye uhlangothi, sidinga nokufunda okwengeziwe ukugwema izimo ezikhathaza ngempela abatshalizimali abancane nabaphakathi. Ukuthi kube ngumkhiqizo onganconyiwe ngabahlaziyi ezimakethe zezimali. Kuningi kakhulu ongakulahlekelwa ukwedlula ukuwina futhi lokhu yinto okufanele uyicabangele kusukela manje kuqhubeke. Kumele uvule izikhundla kokutholakele kwezezimali ngamanani emali ukuthi banesizotha kakhulu, ngamanani angaphansi kwama-euro ayi-10.000.
Ukuthengiswa kwezikweletu
Ngakolunye uhlangothi, uma ukuthengiswa kwesikweletu kubonakala ngento ethile, kungenxa yokuthi lo mkhiqizo uvumela ukubheja zimo bearish ezimakethe zokulingana. Ngenkathi kuphambene nalokhu, le modeli eyindida kakhulu yokutshala imali isuselwa ekutheni ikuboleke imali yokwenza lo msebenzi. Akumangalisi ukuthi incazelo yayo ngqo uhlobo lomsebenzi lapho inkokhelo yenziwa esikhathini esiphakathi noma eside, ngemuva kokutholwa kokuhle noma insizakalo. Futhi ngengcuphe edlula konke ukulawula nokuthi kufanele uhlaziye ukuthi kulula yini ukuthi uyiqashe ngalesi sikhathi.
Izimali ezibhekele ukutshalwa kwezimali
Ngakolunye uhlangothi, ungathola izimali ezisekela iphothifoliyo yazo kuzinqubo zokuziphatha zebhizinisi ezilungile noma ezinye ezibeka umkhawulo wokungatshali imali ekukhiqizeni izingalo, iziphuzo ezidakayo nezimboni zokukhiqiza ugwayi. Lapho ezinye izimali zokutshala imali nikela ezinhlanganweni ezingekho ngaphansi kukahulumeni U-0,5% wekhomishini yokuphathwa kwesikhwama, kanti abanye bahloselwe ukongiwa kanye nokuvuselelwa kwamabhishobhi amakhulu ayingxenye yeArtistic Heritage yaseSpain. Njengezibonelo ekusetshenzisweni kwaleli su lezezimali.
Lezi zimali zingatshala kunoma yiliphi izwe emhlabeni, kufaka phakathi i- amazwe asakhulayo, yize kulokhu okwedlule utshalomali lungadluli kuma-30% wezimpahla. Iphothifoliyo yemali engenayo engaguquki ibuye itshalwe esikhathini esimaphakathi nesikhathi eside esikweletini sikahulumeni nasemholweni ozimele wangasese. Ngenkathi ngakolunye uhlangothi, le mikhiqizo ehloselwe ukutshalwa kwezimali ibeka umkhawulo ekungatshalweni kwezimboni zokukhiqiza izingalo, ukukhiqizwa kweziphuzo ezidakayo nogwayi. Kulokho okulungiselelwe njengenye yezimpawu zayo zobunikazi.
Imakethe yamasheya: ziyini izinsiza?
Ngaphansi kwegama lezinsiza, uchungechunge lwezinkampani ezisohlwini oluhlobene kakhulu lubizwa nge- ugesi kanye nezinsizakalo zamandla jikelele. Akhiwa njengomkhakha obalulekile futhi obekwe eqhulwini kuzo zonke izimakethe zokulingana. Kokubili kuzwe nangaphandle kwemingcele yethu. Futhi lokho ngandlela thile, kufanele ube namanani abo ukwenza noma iyiphi iphothifoliyo yokutshala imali. Noma ngabe iyiphi iphrofayili oyethula njengomtshalizimali omncane naphakathi: ulinganisile, unolaka noma uphakathi naphakathi.
Izinsiza zigqama ngoba ziyizo amanani ahlanganiswe ngokuqinile ezindaweni zabo zebhizinisi. Ngezinzuzo ezinkulu kuma-akhawunti wakho webhizinisi nangezinhloso zokuguquguquka. Ukushintshashintsha okuqinile kwamanani abo akuyona enye yezimpawu zayo eziyinhloko. Ungazivula ngokuphelele izikhundla kumanani wazo ngoba ngeke ube nezimanga eziningi ezingezinhle phakathi nezinyanga zonyaka. Lezi zimpahla zezimali zingavunyelwa ngokuthengwa nokuthengiswa kwamasheya emakethe yamasheya nangeminye imikhiqizo yezezimali. Phakathi kwazo, izimali eziguqukayo zokutshala imali noma lezo ezaziwa kakhulu njengohlu.