Enye yezinkinga zaphakade zabatshalizimali abancane naphakathi lapho becubungula utshalomali lwabo ukuthi kungcono yini ukukhetha izinzuzo noma, kunalokho, ukukhetha lezo zinkampani khiqiza inani. Kuzoba yisinqumo esiyinkimbinkimbi kakhulu esizoncika kakhulu kuphrofayili oyivezayo njengomsebenzisi wesitoko. Ngoba empeleni, akulona isu elifanayo uma ungumtshali-zimali onolaka kunokuthi ukhetha okukhethwa kukho okulondolozeka kakhulu. Ngaphezu kwalokho, ngokuya ngzikhethele, kufanele wenze ukunyakaza ngamanani ngezindlela ezahlukahlukene ezindleleni ozozenza ezimakethe zezimali.
Enye yezinkinga ezinkulu ngokuhamba kumzila wokwahlukaniswa ukuthi bangakucupha ezinkampanini ezingakwazi ukufakazela inzuzo ephezulu kangaka. Lokho wukuthi, izinkampani ezingakhuli, ezinesikweletu esikhulu noma ngisho ngokubuya okuncane. Kuze kufike ezingeni lokuthi ungazisola ngalesi sinqumo iminyaka eminingi. Ngalo mqondo, uma uzokhetha enye indlela yokwahlukaniswa, ngeke ube nenye indlela ngaphandle kokukhetha izinkampani ezinokuqina okukhulu kuma-akhawunti azo ebhizinisi.
Ngaphezu kwalokho, okunye ukungalungi kwaleli su lokutshala imali ukuthi ngeke likuvumele ukuthi ufune amathuba amasha ebhizinisi ezimakethe zezezimali. Ngoba uzobheka kuphela inzalo le nkokhelo ezonikeza yona kumnikazi wamasheya. Le mali engenayo ihamba phakathi kwamamaki ahambayo kusuka ku-3% kuye cishe ku-8%. Kepha ukubheka ukuthi ukusebenza ezimakethe zezimali kuzokukhawulela kusukela lapho kuqhubeke. Ngakho-ke, kufanele kube yisinqumo esicabangisisa kakhulu ngasohlangothini lwakho. Ngoba ungalahlekelwa okuningi kuleli qhinga lokutshala imali.
Ingozi enkulu yezabelo
Yini inkinga ngokukhetha ukutshalwa kwezimali okususelwa kule nkokhelo yabaninimasheya? Yebo, ikakhulu ngoba inzuzo yakho ingahlanjululwa eminyakeni edlule. Ngengcuphe enkulu yokuthi imishado yakho ingancishiswa kakhulu noma okubi kakhulu, ukuthi igcina ngokunyamalala. Ukusuka kulesi simo, kujwayelekile ukuthi kwenziwe indiza yenhlokodolobha enesihluku ngakho-ke, isitoko sizokwehla. Njengomphumela walesi senzo ezimakethe zezezimali, ubeka engcupheni yokuthi imali oyongile izolahlekelwa yinani eminyakeni ezayo. Ngisho nokufinyelela amazinga ayingozi kakhulu kwizintshisekelo zakho.
Isimo ongafinyelela kuso ngemvamisa ethile ukuthi ngaleli su lokutshala imali uthola isivuno sokwahlukana kakhulu. Cishe ku-5%. Kepha kunalokho, unamathela ezikhundleni ezivulekile kuma-equities. Kuze kube seqophelweni lokuthi ulahlekelwa yithuba lokuba phambi kwezinye izibambiso ezinenzuzo ephezulu. Umphumela oyinhloko walesi senzo sakho ukuthi uzolahlekelwa yimali ekusebenzeni kwakho emakethe yamasheya.
Izinzuzo zokukhiqizwa kwenani
Elinye isu onalo okwamanje ngaphakathi komkhakha wokutshala imali ukubheka amanani anikela noma akhiqiza inani elingaphezulu. Lokho, lapho ungathuthukisa izinga lenzalo yenhlokodolobha etshaliwe. Futhi lokho kufayela le- amamodeli anolaka kakhulu angakwazi ukufinyelela amazinga afinyelela kwamadijithi aphindwe kabili. Lukulethelani lolu hlobo lokutshala imali? Yebo, ngaphezu kwakho konke lokho ufisa kakhulu ngokuya ngomphumela wokusebenza emakethe yamasheya. Akumangalisi ukuthi uthatha izingozi eziningi, yize ushintshela ekubuyiseni okwanelisa kakhulu kusuka manje.
Awukwazi ukukhohlwa ukuthi kukhona uchungechunge lwezibambiso ezinamandla wokuncintisana wokuncintisana futhi ezingakwazi thuthukisa ibhalansi ye-akhawunti yakho zamanje ngokukhululeka okuthile. Lokhu kufanele kube enye yezinhloso okufanele uzilandele emkhakheni wezimali ohlale uxakekile. Ngaphezulu kokunye ukucatshangelwa kobuchwepheshe kanye nemibono ngokombono wokuhlaziywa okuyisisekelo. Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi ungakhetha nobude bayo yonke imisebenzi yakho.
Amathuba ngo-2018
Uma ekugcineni uthatha isinqumo sokwakha inani ngezimali zeSpain, kunjalo, ngeke ushodelwe ngamathuba okwenza imali oyongele izuze ngalezi zikhathi eziqondile. Ngisho nalapho ungalindelanga khona. Njengezinkampani ezihlanganisiwe phakathi kwezokuphepha zaphakathi naphakathi nezimali ezinkulu, zichazwe njenge izinkomishi ezincane, Okungathuthukisa ukuvela okuhle ezimakethe zezimali kusukela manje kuqhubeke. Ngezinkampani ezinjengePharmaMar noma iDuro Felguera okungenzeka kube phezulu ekubuyekezweni kulo nyaka.
Le ngenye yezindlela zokubhekana necebo lezinzuzo emakethe yamasheya. Ngoba ekupheleni konyaka ukusebenza kungaba ngaphezulu. Ngaphandle kwesidingo sokuthi wazi noma yimuphi umholo ongaguquguquki futhi oqinisekisiwe njalo ngonyaka. Akunandaba noma ngabe kuphakeme kangakanani. Akumangalisi ukuthi kuyisici esingakudukisa ukuze ufeze izinhloso otshalweni lwakho kusuka manje. Kufanele ukhethe phakathi kokukodwa kokukhethwa kukho okuphambene ngokuphelele ngokuqonda ukuthi kuyini utshalomali. Yize uzoba nguwe onegama lokugcina kulokho okufanele ukwenze kulezi zikhathi ezikhethekile.
Inzuzo eningi kunezabelo
Kwanele ukunikeza isibonelo ngezinzuzo zokusebenzisa amanani akhiqiza inani elingaphezulu kwe- Inkokhelo yezabelo. Uma intengo yomgqomo inyuka, uma kuyisikhathi esihle sokufaka izinkampani zamandla ngoba inzuzo izobe iphakeme kakhulu kunezinye izindlela zokutshala imali. Hhayi ngeze, ngokukhokhwa kwezabelo amazinga wenzalo awasoze afinyelelwa azotholakala ngokufuna inzuzo yezokuphepha ezisohlwini lwezimakethe zezimali. Luhlelo ongalusebenzisa ukwenza ngcono isimo sangempela se-akhawunti yakho yokuhlola noma yokonga.
Ngakolunye uhlangothi, izabelo zinemikhawulo yenzuzo elinganiselwe ngoba azikaze uzothola ngaphezu kuka-8% noma u-9%. Okuthile uma bekunika amanani akhiqiza inani emakethe yamasheya. Lapho kungenzeka ukuthi badlule kalula izinga elibalulekile le-10%. Ngisho nangaphansi kwamaphesenti kuyanelisa kakhulu ngezintshisekelo zakho. Umehluko ocashile okuzodingeka ukuthi uwuhlaziye kusukela manje kuqhubeke. Yize kuliqiniso ukuthi konke kuzoncika kuphrofayili oyivezayo njengomtshalizimali omncane nophakathi ngoba izokuthambekisela isu elilodwa noma elinye ekuphathweni kwengcebo yakho.
Izinzuzo zokudalwa kwamanani
Ukuseshwa kwaleli su ngokungangabazeki kuzoletha uchungechunge lwezinzuzo kusukela ekuqaleni kokutshalwa kwezimali. Ngabe ufuna ukwazi okunye okufanele kakhulu? Wabhale phansi ngoba angakusiza kakhulu esikhathini esithile sempilo yakho. Kuze kube seqophelweni lokuthi bangakha ingxenye ebaluleke kakhulu yephothifoliyo yakho yokutshala imali kulo nyaka. Lokhu kungenye yeminikelo yakhe efanelekile.
- Kuyindlela engcono kakhulu ongakwenza ngayo khulisa umholo wakho ezimakethe zokulingana. Ngaphansi kwamaphesenti anamandla kakhulu futhi lokho kungasiza ekuthuthukiseni imali ekupheleni konyaka.
- Nguwe ozonquma ukuthi ufuna ukuqhubeka isikhathi esingakanani nokutshalwa kwezimali. Uzodinga kuphela ukuzibuza ezinye izinhloso eziphansi Mayelana nenzuzo oyiphishekelayo kulowo nalowo msebenzi owenziwayo.
- Uzoncika kwifayela le- imibandela eyethulwe izimakethe zezezimali hhayi ngesinqumo sezinkampani ukumaka umholo kumnikazi wamasheya. Kuyisici esizonikeza ukuguquguquka okukhulu kokukhiqiza izinzuzo ezinkulu zemali kunoma yiluphi uhlobo lwendlela yokutshala imali.
- Ungasebenzisa ithuba le- phezulu izimakethe zokulingana. Lapho amanani amasheya azokwazi ukukala kabusha ngokushesha, ngaphandle kokuphelelwa yisikhathi ekusebenzeni okwenziwayo.
- Kuliqiniso ukuthi izingozi ocabanga ukuthi ziphakeme. Kepha esikhundleni sokuthola umvuzo ophakeme kunamanye amasu okutshala imali. Ungakwazi ukusika nokusebenza uma kungakhuli njengoba ubulindele kusukela ekuqaleni.
Izinzuzo zokuya kwizabelo
Lokhu kusebenza, kunalokho, kukunikeza olunye uchungechunge lwezinzuzo ongeke uzwele ngalo. Okunye okuqine kakhulu ukuthi uzoqinisekiswa nge-a inzalo engaguquki njalo ngenyanga. Okunye ukuthi kuzokusiza ukuthi wakhe isikhwama sokonga esizinzile. Futhi nguwe ozonquma inkampani ezokhokha leyo mali nge-akhawunti. Ngezibambiso ezahlukahlukene ezethula lesi sici namaphesenti ahlukile kumholo wazo.
Ngakolunye uhlangothi, awukwazi ukukukhohlwa lokho ngezimali kungaba ukusebenza okunenzuzo enkulu ukuvikela izintshisekelo zakho. Futhi lokho kuzoba ithuluzi ukuze isikweletu esiku-akhawunti yakho yokuhlola sihlale siphephile. Lapho ungabhekana khona nezinkokhelo eziphuthuma kakhulu emnothweni wakho wasekhaya. Ekugcineni, kuzoba ngumthombo wezimo ezingezinhle ezimakethe zezimali. Kufinyelela ezingeni lokuthi ungenza nokonga kube nenzuzo ngobungozi obuncane. Ngaphandle kokuvela kwamanani amasheya.