Enye yezinzuzo ezinhle onazo lapho ubhalisela izimali zokutshala imali ububanzi bezinhlobonhlobo ongakhetha kuzo, kuzo zonke izinhlobo. Cishe kunoma yimuphi umkhakha wezomnotho, ngisho nakwezimpahla eziningi abasha, futhi kwezinye izimo ngisho nokungajwayelekile. Imbalwa imisebenzi yebhizinisi engaphandle kwale mikhiqizo yezezimali. Hhayi ngeze, abaphathi bebelokhu bethula amafomethi amasha njalo, lapho bezama ukumangaza amakhasimende ukuthi ababhalise. Futhi ngezikhathi ezingaphezu kwesisodwa bayaphumelela, kungakhathalekile iphrofayili abayivezayo.
Kulesi simo, inkinga enkulu onayo akuyona enye ngaphandle kokukhetha ukuthi hlobo luni lwamamodeli okufanele ukhethe, futhi okungakhiqiza inzuzo enkulu kulondolozo lwakho. Ikakhulukazi leyo etholakala emabhizinisini amasha, noma ezindaweni zebhizinisi ezingakakhiwa kahle ohlelweni lwezezimali. Noma ngabe ikuphi, ngezimali zokutshala imali uzokwazi ukufinyelela kunoma iyiphi impahla yezezimali kalula futhi ngokushesha. Njengoba ungabaqasha ebhange lakho elijwayelekile, noma ngefomethi eku-inthanethi, ukusheshisa inqubo yokuthenga amasheya akho.
Ukuzama ukuheha ukunaka kwamakhasimende abo, abaphathi bale mikhiqizo abanqikazi ukuletha izimali eziya ngokuya ngokwengeziwe emakethe, okuthi kuze kube yiminyaka embalwa edlule ubungacabangi ukuthi ungasetshenziselwa ukutshala imali oyilondolozile. Ngisho ukufinyelela sisebenzise izimo zokuguquguquka ezimakethe zezimali. Futhi lokho kunikezwe amathuba ambalwa wokuthola imbuyiselo kulondolozo lwakho, futhi kuvumela namazinga wenzalo ukuthi akhule kulezi zimo njengoba ukungazinzi ezimakethe zezimali kubi kakhulu.
Izimali ezisuselwa kwimpahla
Unezindlela ezimbalwa ongatshala kuzo kulezi zimpahla zezimali ngamamodeli ajwayelekile kakhulu. Kepha uma ukhetha imali enalezi zici, uzoba nokunikezwa okungaphezu kokumukelekile, okuyi ixhunywe ezinhlobonhlobo zalezi zifundo, cishe ngaphandle kwemikhawulo. Kusuka ekudleni okuyinhloko (isoya, ushukela, ukotini, ukolweni ...), nakwezinye izindaba eziphathelene namandla (igesi, okokubasa, okokuhlanza, njll.). Izinketho ezivulekile zikhulu kakhulu, futhi obungeke ukwazi ukufinyelela kuzo ngeminye imikhiqizo yezezimali, ngisho nezicokeme kakhulu.
Ungomunye wemikhiqizo exhunywe kumjikelezo wezomnotho, futhi lapho kutholakala khona inzuzo enhle kakhulu, uma ukuvela kwayo kuyinto elula kakhulu kwizintshisekelo zakho. Kusukela kulo mzuzu kuqhubeke, kuzofanele ukhethe ukuthi iziphi ezifanele kakhulu isenzakalo ngasinye. Futhi leyo nkinga enkulu ngokuqasha lezi zimali ezikhethekile.
Esinye isici sazo ukuthi ziqondiswe kubatshalizimali abanolwazi olukhulu ngalezi zimakethe, futhi abakwaziyo ukuqonda ukunyakaza kwabo. Uma uhlangabezana nalezi zidingo, uzoba namathuba angempela ebhizinisi ezinyangeni ezizayo. Yize ukuze uzenzele inzuzo kumele uziveze isikhathi eside. Futhi lokho ngisho ungabaqasha kusuka ezikhwameni zotshalo-mali ezihlukaniswe nezinye izimpahla zezezimali, yomibili imali engenayo engaguquki, njengokuhlukahluka.
Ubuchwepheshe obusha njengenye indlela yokutshala imali
Ngaphandle kokungabaza, lo mkhakha webhizinisi okhulayo ungomunye wezinto ezintsha kakhulu ebezivele eminyakeni edlule, ngamamodeli webhizinisi asethuthuke kakhulu. Futhi banendawo evundile yokuzuza kwemali ezimeni ezihamba phambili kakhulu zezimakethe zezimali. Yize, ngokuphambene nalokho, izingozi ozithola ziphakeme kunezinye izimali zendabuko.
Ukutshalwa kwezimali, kuleli cala, akugxili kuphela ezinkampanini ezixhunywe kwi-Intanethi, kodwa nakuzo zonke izinhlaka zobuchwepheshe, cishe ngaphandle kokukhetha (abahlinzeki bezinsizakalo, ezentengiselwano ngogesi, isoftware, ihadiwe, ukuxhumana kwe-Wi-Fi, njll.). Yize okuningi kwe- ukuhlinzekwa kwalezi zimali kuvela ezinkampanini ezisebenzisa imali encane, umnikelo wabo omkhulu ulele kumathemba amahle okukhula abawethula ezimakethe zamasheya. Akuvamile ukuthi uhlangabezane neziphakamiso, okungaphezu kwamaqiniso, ezikunikezayo okulindelwe ngekusasa.
Ukutshalwa kwemali okuluhlaza kwamaphrofayili emvelo
Enye inketho yokutshala imali ehlangabezana nalezi zidingo iluhlaza ngokwemvelo, ngengxenye yemvelo egcwele konke ukwakheka kwamaphothifoliyo okutshalwa kwezimali. Ngeziphakamiso ezahlukahlukene, zazo zonke izinhlobo, nangawo wonke amaphrofayili athulwe ngabatshalizimali abathengisa. Kusuka ekwehliseni ushintsho emiphumeleni yesimo sezulu, ekufakeni imali kubuchwepheshe obuhlanzekile. Futhi lapho eminyakeni yamuva nje, kube nokuvela kwezimali zokutshala imali ezisuselwa ekukhuleni okusimeme kweplanethi.
Enye yezinzuzo eziphambili zokukhetha le modeli ekhetheke kakhulu yokutshala izimali ukuthi ngaphandle kokufuna imbuyiselo kulondolozo, abanikazi balo mkhiqizo bazokwazi ukuthuthukisa ukusebenza kwabo ngaphansi kwenqubo abakholelwa kuyo, ephethe uchungechunge lwamanani, hhayi kuphela empilweni yakhe yangasese, kepha futhi eyidlulisela emkhakheni wezezimali. Babeka imali ngokuya ngezikhundla zabo.
Ngakho-ke, akumangazi ukuthi izinkampani zabaphathi zisithathile lesi sidingo kumakhasimende, futhi zithambekele ekwenzeni imikhiqizo ehlangabezana nalezi zici, inikeze ngokwanda, imiklamo emisha ngempela, futhi ezimeni eziningi ize ibe nemisha ngokwendlela yokwakheka kwayo . Futhi nalabo ungazuza imbuyiselo yonyaka evame ukuba phakathi kuka-3% no-10%, kuya ngomsebenzi ngamunye. Ngokuhambisana nalokho okunikezwa ezinye izimali zokutshala imali.
Ukusekela ezempilo kungenye indlela lapho lezi zimali ziveza khona, zizithola zikhona ngeziphakamiso ezisikisela njengokutshala izimpahla ezinkampanini ezihlobene ne-oncology. Noma ihlobene nokunakekelwa kwezempilo, umuthi noma i-biotechnology. Umkhakha eminyakeni yamuva ukhombise ukuvela okuhle ukwedlula eminye yemvelo ejwayelekile. Futhi lapho abaphathi abaningi bekhethekile ekulungiseleleni lezi zimali. Ngokunikezwa okubanzi kakhulu, kepha ngasikhathi sinye kuyehluka.
Ukutshalwa kwezimali emazweni asafufusa
Elinye lamathuba avulekile ngokwengeziwe ngalezi zinhlobo zokutshala imali ukuthi ungakwazi dlulisela imali oyongile ezimakethe zezimali ezingalindelekile, ekhoneni lokugcina lomhlaba. Futhi kuze kube manje awukwazanga ukuhweba nabo, ngisho ngqo ngezimakethe zamasheya. Ngale ndlela, manje kungenzeka ukuya ezimakethe zezimali zaseVietnam, iNamibia, iKenya noma iBolivia, ukubala nje ezimbalwa zazo.
Lezi zimakethe ezisafufusa, noma kunjalo, zinikela ngengozi enkulu ongase ungakwazi ukuyithatha. Hhayi ize, ukuzuza kwemali ongayithola kubaluleke kakhulu, kepha ngesizathu esifanayo ungashiya ama-euro amaningi ekusebenzeni ngakunye. Yize ukunciphisa lokhu kuphazamiseka okukhulu, izimenenja zithathe isinqumo sokwenza lesi sigaba sezimali, sizivumelanise nezinye izimpahla zezimali eziphephe kakhulu ezihlinzeka ngozinzo eminikelweni yezomnotho.
Kunoma ikuphi, kungenye indlela ongaba nayo ngaphambi kwakho, lapho ubhekene nesimo esivelele ngokusobala kulezi zimakethe. Yize noma kungaphansi kwaziphi izimo kufanele utshale yonke imali oyilondolozile esikhwameni sokutshala imali salezi zici. Uma kungenjalo, okungenani ukubaphelelisa nabanye osebenza nabo njalo, kokubili imali engaguquguquki neguquguqukayo. Kuzoba isu lokukuvikela ngempumelelo enkulu.
Futhi kuleli qophelo, ungakwenza futhi ngezimpahla ezivela emholweni ohleliwe walawo mazwe. Okuzoba yingozi ngokulinganayo ukuqasha. Ngokuguquguquka okukhulu, okujwayelekile emakethe yamasheya, ekhuthaza ukwazisa nokwehla kwamasheya aphawuleka kakhulu. Hhayi ize ngosuku olulodwa ungawina (noma ulahlekelwe) cishe u-2% wemali oyitshalile. Akubona bonke abathengisi abakwazi ukusingatha lezi zimo ezimakethe.
Ukutshalwa kwezimali ezimayini
Izimali zakudala zokutshala imali impilo yakho yonke, yize eminyakeni yamuva nje ukunikezwa kwabo kukhuphukile, noma ngabe iziphakamiso eziya ngokuya ziba ezintsha nezisikisela okuthile. Zenzelwe tshala imali ezintweni zokusetshenziswa, futhi baqoqe izinzuzo ezinkulu ezikhiqizwa ezimakethe zabo zezezimali. Kungaba kumaminerali ezimboni, njenge-iron namalahle, noma ikakhulukazi ekukhiqizeni izinsimbi eziyigugu (igolide, isiliva, i-platinum, i-palladium ...).
Ukuqaliswa kwezinhlobo ezintsha zotshalo-mali sekuze kwafinyelela nasemkhakheni wezolimo, ngokusebenzisa izikhundla ezingxenyeni ezinkulu zezimali ezikhiqizwa emhlabeni. Futhi ekulangazeleleni kwabo izinto ezintsha bafinyelela nasemikhiqizweni yasehlathini. Noma kunjalo, Le yimikhiqizo ekhethekile edinga ulwazi olujulile ngalezi zimakethe kwakho. Futhi lokho kuphela ngezeluleko ezifanele ongazifaka kuphothifoliyo yakho elandelayo yokutshala imali.
Ungasebenza kanjani ngalezi zimali?
Ungathola noma yiziphi zalezi zimali zokutshala imali emabhange, noma ngabe imisebenzi oyenzayo kufanele yenziwe ngokusemthethweni ngokuqapha okukhulu. Kuzoba khona ikakhulukazi ukuvikela okonga imali, ukuze ungathathi noma yiziphi izimanga ezingezinhle phakathi nezinyanga ezimbalwa ezizayo. Indlela ephephe kunazo zonke yokuthatha izikhundla kulezi zimali ukukhetha amamodeli afaka izimpahla zendabuko: amabhondi, imali, izimali, njll.
- Le mikhiqizo akufanele iqondiswe ngoba ithuthukisa ngempela, kepha imane nje ngoba zinamandla amakhulu kakhulu okukhula, uma kungenzeka ngaphezu kwezinye izimali.
- Iningi lale miklamo zenziwa ngemali engeyona i-euro, ukuthi bazodinga ukushintshaniswa kwemali ukuze bakwazi ukubhalisa, nokuthi bazodinga ukukhokhwa kwamakhomishini alo msebenzi.
- Zishintsha kalula kunezimali zendabuko, futhi kufanele uzilungiselele ukumelana nezikhathi zokungazinzi okukhulu, Baze bakwenze ulahlekelwe yimali ezikhundleni zabo. Kunoma ikuphi, kungaba enye indlela yangempela lapho amathuba ezimakethe ezivamile eseqediwe.