Okunye okuheha izimali ukuqoqwa kwezinzuzo ezinye izinkampani ezibalulwe eziklomelisa abaninizabelo bazo. Ngoba empeleni, leli qhinga kufayela le- utshalomali ivumela abasebenzisi ukuthi bathole buyisela kulondolozo lwakho okuqinisekiswe ngokuphelele futhi okulungisiwe iminyaka. Kufika eqophelweni lokwenza imali engenayo engaguquki ngaphakathi kokuguqukayo. Kuyindlela yokutshala imali esebenza kahle kakhulu lapho imigomo yesikhathi saphakade ibhekiswe kokuphakathi naseside. Konke lokhu, ngaphandle kokuvela kwayo ezimakethe zezezimali.
Ukukhokhwa kwezabelo kungumthombo inani elikhulayo labatshalizimali abancane nabaphakathi abakhethayo kulo. Akumangalisi ukuthi kuyindlela yokwenza vikela izintshisekelo zakho ezimakethe zokulingana. Ngaphezulu kwezinye izindlela lapho inzuzo ibekwa phambili ngaphezu kokunye ukucatshangelwa okuncane. Akunakukhohlakala nganoma yisiphi isikhathi ukuthi kuyindlela ekhetheke kakhulu yokuzivikela ezimeni ezingezinhle neze zamasheya. Lapho kukhona khona ukuphahlazeka okunamandla ezikhwameni.
Ngaphezu kwalokho, enye yezinzuzo zemakethe yamasheya yaseSpain yilezo zezikhungo zezezimali lapho kunenzuzo zisatshalaliswa njalo. Izinkampani eziningi ezibalwe enkombeni ekhethiwe, futhi nangaphandle kwayo, zikhethe ukunikela ngale nkokhelo ebalulekile kubaninimasheya. Phansi wonke amaphesenti, okungukuthi, anezinzuzo eziphakeme kakhulu nokunye okungabalulekile kakhulu. Abatshalizimali banezinzuzo ezahlukahlukene abangakhetha kuzo futhi cishe ngaphezu kwanoma iyiphi enye indawo.
Izinzuzo: 3,1% ukubuya
Izehlakalo zezabelo ezinkampanini zinjalo ukuthi zizama ukuzikhulisa minyaka yonke. Ngalo mqondo, isivuno esilinganiselwe isibikezelo sesabelo ngasinye ngo-2017 se-United Kingdom ne-Europe sikhona 4,1% no-3,1%, ngokulandelana. Phambi kwalezo ezinikezwa ezinye izimakethe zomhlaba jikelele. Njengasesimweni esithile se-2% se-United States noma i-2,1% yeJapan. Kulesi simo somhlaba jikelele, kungashiwo ukuthi izwekazi elidala liyindawo enhle yokuqoqa izinzuzo. Futhi ikakhulukazi eSpain, lapho kujwayelekile kakhulu ukuthi izinkampani zisebenzise leli su elikhetheke kakhulu.
Kepha okusha sha ukuthi leli qhinga iphinde yatshalwa yathathwa yangezimali zokutshala imali. Kuyiqiniso ukuthi akubona bonke, kepha kunenombolo eyanele ukuze ukwazi ukwanelisa lesi sidingo kutshalo-mali. Njengomphumela walokhu, izinkampani zokuphatha zikhuphule imikhiqizo yezimali yalezi zici. Lapho abanikazi bethola inani elinqunyelwe futhi eliqinisekisiwe njalo ngenyanga. Yize kukhona umehluko othile maqondana nokuthengwa ngqo nokuthengiswa kwamasheya emakethe yamasheya.
Kokubili imali engenayo eguquguqukayo nengaguquki
Akuyona indlela okungahle kukholwe ngayo, ezikhwameni zokutshala imali eziguquguqukayo lapho kwenziwa loholo. Kepha muva nje futhi ubambe imali engaguquki noma amamodeli ahlanganisiwe ahlanganisa amasu amabili okutshala imali. Kunoma ikuphi, kuzofanele uhlaziye ukuthi yini okunikezwa yile mikhiqizo yezezimali ukuthola ukuthi yini ehlangabezana nale mfuneko bese uyiqasha uma lokhu kuyisifiso sakho esiseduze kakhulu. Ukuze ngale ndlela, ube neholo elinqunyelwe minyaka yonke. Ngale ndlela, isikweletu esiku-akhawunti yakho yokuhlola sizoba nempilo ngaphambi kwezindleko ezikhiqizwe ngumnotho wasekhaya ngamunye wabo.
Kodwa-ke, izinzuzo zezimali ezihlanganyelwe azinamandla kangako emakethe yamasheya. Akunjalo, ngoba eyakho inzuzo ephansi emaphakathi kuze kufike ku-3% ngo-5% okwenziwa kusukela ekuthengweni nasekuthengisweni kwamasheya. Umehluko wokuqala lo mholo ozowunikeza umninimasheya. Ngaphezu kwalokho, izinkathi zokukhokha aziguquki njengasemakethe yamasheya ngoba izikhathi zazo zinde. Imvamisa kuba minyaka yonke noma okungenani njalo semester. Bazoya ngqo ku-akhawunti yakho yokuhlola ngosuku abakhishwa ngalo.
Okunye umehluko okhonjiswa yimali mutual ukuthi kukhona okujwayelekile ukwehluka okuqinile kokusebenza unyaka nonyaka. Kuya ngokuziphatha kwephothifoliyo yokutshala imali eyenziwe ngabaphathi ngokwabo. Noma kunengozi yangempela yokuthi izinkokhelo zizokhishwa ngenxa yesimo ezimakethe zezimali. Kusuka kulesi simo, kungumkhiqizo ozinzile kancane maqondana nokukhokhwa kwezinzuzo. Kunzima ngisho nangokucacile ukubala amaphesenti abo. Lapho kungeke kube khona okunye abangakwenza ngaphandle kokuya ezincwajaneni zabo zolwazi ukuthola ukuthi umholo wangempela uyini nokuthi ukhokhwa nini nge-akhawunti
Izinkokhelo eziphana kancane
Uma izinzuzo zezimali zotshalo-mali zihlukaniswa okuthile, kungenxa yokuthi azifinyeleli kumanani akhiqizwa yimakethe yamasheya. Bahlala njalo lezo ezisuselwa kwizilinganiso ezibonisa ukusebenza okuhle kakhulu. Ngokwezinga imali engabhaliswa ngalo elakhiwe kuphela kulesi sigaba sezokuphepha. Ngenkathi ezinye izindlela ziqhutshwa ngama-indices kulezi zinkampani ezibalwe zihlanganisiwe. Ngokubuyiselwa kokonga okungcono kangcono kunezinye izimali. Kunoma ikuphi, kuyadingeka ngempela ukuhlaziya ukunikezwa kwale mikhiqizo yezezimali ukunquma inzalo ezotholwa ezinyangeni ezilandelayo.
Futhi kungakhohlwa lokho ukwelashwa kwentela yalezi zimali zifana ncamashi nemakethe yamasheya. Ngoba empeleni, akukho ukwehluka nganoma yini ngomzuzu wokunquma wentela. Ngakho-ke ngalo mqondo, abatshalizimali abancane nabaphakathi bangakhetha zombili izinhlobo zezinxephezelo. Njalo ngokuya ngokuthanda kwabo siqu necebo abazolisebenzisa kusukela lapho kuqhubeke. Akumangalisi ukuthi kungenye yezikhuthazo zokwenza ezinye zalezi zimali ezikhethekile kakhulu zibe semthethweni.
Izinzuzo zalezi zimali
Ukwenziwa ngokusemthethweni kwale mikhiqizo yezezimali nezabelo kufaka phakathi uchungechunge lweminikelo ezosiza kakhulu kuwe ukwazi kusukela manje. Ezinye zisemilonyeni yawo wonke umuntu, kepha ezinye zizokumangaza ngandlela thile. Ukuze kube nguwe ekugcineni onquma ukuthi kufanele yini ukuthenga le mikhiqizo yezezimali. Hhayi phansi, kuzoba yisinqumo somuntu uqobo futhi esizoncika ezintweni eziningi, ngoba ngakolunye uhlangothi kunengqondo futhi kuyaqondakala. Phakathi kwazo kukhona lezo esikuvezela zona ngezansi.
- Izokusiza khulisa imali oyongele unyaka nonyaka, bese bakha isikhwama sokonga esinamandla eminyakeni embalwa ezayo. Ngokwalo mbono, kungumkhiqizo ohloselwe iphrofayili yabatshalizimali abalondolozayo futhi ufuna ukukhulisa imali yakho kancane kancane.
- Njalo ngonyaka unemikhiqizo eminingi ongakhetha kuyo. Akusekho njengakudala lapho bebekuvumela kuphela ukuthi uzilinganisele kwizikhwama ezimbalwa zokutshala imali. Ngaphezu kwalokho, ngezimbuyiselo eziphansi kakhulu nangaphezulu kwe-3%. Zonke zivela ezimakethe zezimali zangaphandle. Ngaphandle kwamandla amakhulu ngakwabaphathi abaphethe ukuwenza.
- Vele kungumkhiqizo we lutho ulaka. Ikakhulukazi uma uthenga nabanye lapho izingozi ziphakeme kakhulu nokuthi ungalahlekelwa yimali eningi ngeminikelo yakho yezezimali. Okungenani kuyisici okufanele usihlole kwasekuqaleni ukuhlela ukutshalwa kwezimali nganoma yisiphi isikhathi saphakade.
- Kulokhu, uqoqa izinzuzo ngokungaqondile. Lokho, hhayi ngezinkampani ezibalwe ohlwini, kepha kunalokho zezimali zokutshala imali ngokwazo. Kuyisici esibaluleke kakhulu okufanele usicabangele njalo lapho uqasha ezinye zalezi zinhlobo zokonga.
- Ukuqoqwa kwezabelo ngeke kukukhiqize alukho uhlobo lwamakhomishini, noma izindleko ekugcinweni nasekuphathweni kwayo. Zilawulwa izindlela ezifanayo zokuthenga nokuthengisa amasheya ezimakethe zamasheya. Ngalutho neze umehluko emishini yabo yesinxephezelo. Ngaphandle kwezinhlawulo ezijwayelekile kuleli banga lemikhiqizo.
- Kuyisu okufanele ziya ngokwanda izimenenja. Ngenhloso yokuheha inani elikhulu lamakhasimende. Ukuze ngale ndlela, bakhethe lezi zinhlobo ezikhetheke kakhulu ukulimaza ezinye izimali ezijwayelekile. Ngokukhula okuqhubekayo kokunikezwa kwayo minyaka yonke.
- Ngikunikeze okuningi ukuzinza kubhalansi ye-akhawunti yakho yokuhlola. Yize uma okufunayo ngempela kungukuthuthukisa inzuzo, ngeke kube inketho efanele kunazo zonke. Ngoba ngokuvamile ziyizimali zokutshala imali hhayi ngezingozi ezeqile. Yilabo kuphela abaxhunyaniswe nokuhlukahluka ezimakethe zezimali.
- Futhi ekugcineni, ngeke ukhohlwe ukuthi kungukutshalwa kwemali ekugcineni kosuku. Kuphi ungawina noma ulahlekelwe yimali, kuya ngokuziphatha kwezokuphepha ezimakethe zezezimali. Akumangalisi ukuthi zenzelwe izinhlobo ezahlukahlukene zamaphrofayili womsebenzisi. Ukuma okunolaka, okulondolozayo noma okumaphakathi, phakathi kokunye okuhambisana kakhulu.