Faka imali emanzini? Ezikhathini zokungaqiniseki emalini, njenganamuhla, abatshalizimali abaningi bazama ukuqondisa ukonga kwabo kuzimpahla zezimali eziyinqaba. Ukuzama ukusebenzisa amathuba akhishwa njalo izimakethe zezezimali. Unokunikezwa okubanzi ongakhetha kukho. Kuyo yonke imvelo nezimo. Ukufika ezingeni lokuthi kuyisinqumo esingenakuqondakala kumtshali-zimali onolwazi kakhulu. Kusuka ezindleleni ezahlukahlukene zokutshala imali.
Kulesi simo sokutshala imali, ungatshala imali oyilondolozile cishe kuyo yonke into efakwe ohlwini lwe- izimakethe zezezimali. Kumaqembu egolide, ummbila, i-palladium, inyama yenkomo kanye nebhola. Futhi-ke emanzini njengoba ingenye ye- amandla abaluleke kakhulu emhlabeni. Ngokusetshenziswa okuphezulu kakhulu ngabantu bomhlaba. Inkinga ivela lapho uthatha isinqumo sokutshala imali yakho etholakalayo ngale ndlela yamandla. Ungahlangabezana kanjani nalesi sidingo kutshalo-mali olukhethekile kangaka? Hhayi-ke, sizokunikeza imibono yokufeza lesi siphakamiso.
Ngoba empeleni, uzoba nezindlela eziningi kakhulu kunendlela ocabanga ngayo ukuvula izikhundla emkhakheni wamanzi. Mhlawumbe hhayi ngendlela elula njengakwezinye izimpahla ezejwayelekile ezingaphansi noma ezijwayelekile. Kepha okungenani uzoba neziphakamiso ezimbalwa eziseduze zokukhetha lolu hlobo lokutshala imali oluhlongozwayo. Kunjalo ngokusebenzisa izimakethe zamasheya, kodwa futhi ngeminye imikhiqizo yezezimali engaqoqa ukufunwa kwakho ngalesi sikhathi.
Faka imali esikhwameni
Vele, indlela elula yokuthi wamukele le nselelo ngezimakethe zamasheya. Ngamagugu aphethe ukusabalalisa la mandla abalulekile. Kodwa-ke, inkinga enkulu ozoyithola kusukela manje ukuya phambili ukunikezwa okulinganiselwe onakho emakethe yamasheya kazwelonke. Kungani zimbalwa izinkampani zaseSpain ezihlanganyela kulo msebenzi webhizinisi. Igxila kakhulu ku- Amanzi eBarcelona, enesisindo esincane kakhulu ezimakethe zezimali zaseSpain. Ngaphandle kwalesi siphakamiso izinketho zikhawulelwe ngokusobala.
Ukutshala imali emanzini, akukho okunye ongakwenza ngaphandle kokuya ezimakethe zomhlaba jikelele. Lapho ukunikezwa kwalesi sigaba sezinkampani kuningi kakhulu. Okungenani unenketho yokuzama ukwenza ukuthi imali oyongele izuze. Isibonelo esihle salesi simo simelwe yi isikhwama saseJalimane. Lapho izinkampani eziningi zalezi zici zisohlwini futhi zingaba yisikhungo samehlo akho ukwenza iphothifoliyo yakho elandelayo yezokuphepha eminyakeni ezayo.
Kunoma ikuphi, uma kunemakethe lapho izinkampani zamanzi zimelwe kahle, yi-United States. Ngokunikezwa okukodwa okuphelele kunawo wonke emhlabeni. Yize ukuthenga amasheya abo bazodinga amakhomishini athe xaxa kunalawa alapha. Ukuthi kungakubiza cishe cishe kabili kunokuqhathaniswa nemisebenzi kazwelonke. Kuyisici ongeke usikhohlwe ukuhlela ukutshalwa kwezimali kwakho kusuka manje kuqhubeke.
Izizathu zokutshalwa kwemali kwakho
Akungabazeki ukuthi amanzi kuyinto enhle eyindlala emhlabeni, ngaphezu kwezinye izinhlobo zamandla. Ngakolunye uhlangothi, ukwanda kwenani labantu emhlabeni kuzofinyelela cishe kubantu abayizigidi eziyizinkulungwane eziyishumi ngonyaka wezi-10.000. Umphumela oqondile walesi simo ukuthi uzodala ukwanda okukhulu kwamanzi. Omunye wabazuzi abakhulu balesi simo ngokungangabazeki kuzoba yizinkampani ezixhumene nokuhweba kwamanzi. Vele, uma zibhalwe emakethe yamasheya, uzosizakala ngokuhamba kwazo.
Ngaphezu kwalokho, esinye sezizathu ezikumema ukuthi utshale imali sivela kuzona kanye lezi zimfanelo zokuphepha. Ngoba empeleni, zifakwe kuhlu ngokuzinza okukhulu futhi kuyaqabukela zikhombise ukweqisa, kokubili ngomqondo owodwa nakomunye. Ngokolunye uhlangothi, isimo esishubile asikho emigqeni yayo yokusebenza. Kuze kube seqophelweni lokuba amanani okuphepha aphephile ezimeni ezingezinhle kakhulu ezimakethe zezimali. Ngeke kumangaze kakhulu ukuthi ungenza imali enenzuzo lapho amasheya ewa noma ese-downtrend.
Isilinganiso salomkhakha wezamasu yi Amanzi we-S & P Global. Yenziwe yizinkampani ezibhekana nokuhlinzekwa kwamanzi, ukusebenza ngobuchwepheshe kanye nezinsizakalo zemvelo. Ngenzuzo yokuthi okwamanje isesimweni sokukhuphuka kwamahhala ngemuva kokubuyekezwa ngaphezulu kuka-200% eminyakeni eyisishiyagalombili edlule. Kusetshenziswe ngokunenzuzo ingxenye yokugcina yenkinga ebalulekile yezomnotho eyenzeke cishe emhlabeni wonke.
Imelwe yimali
Ngaphandle kokungabaza, lo ngomunye wemikhiqizo enconyelwe kakhulu ukuthatha izikhundla emanzini. Uneziphakamiso eziningi abaphathi abazilungisile eminyakeni yamuva. Olunye lwalezi zinhlelo luvela ku-JSS Sustainable Water Fund enakekela a isivuno sonyaka sisondele ku-10%. Akuyona yodwa lapho ungazibeka khona njengamanje kwazise ukunikezwa kwale mikhiqizo kukhiqize iPictet Water, enye yezindala kunazo zonke ezikhona njengamanje. Ngokubuyiselwa kokonga phakathi neminyaka emithathu edlule kufana kakhulu nomphumela wangaphambilini.
Ngaphakathi kwalokhu kunikezwa, iParvest Aqua Privilege-Capitalization nayo ivelele. Akumangalisi-ke ukuthi kube ngesinye sezimali ezinenzuzo enkulu kulokhu okukhethekile. Ukuba ngomunye walabo abane- inani elikhulu labahlanganyeli njengomphumela wokuvela kwephothifoliyo yokutshala imali. Ukuba ngenye yezindawo ezithandwayo zabatshalizimali abanolwazi kakhulu abafuna umkhiqizo omuhle ngaso sonke isikhathi. Ngezindlela ezilandelanayo futhi ezingasebenza njengesiphephelo ezimeni zomnotho ezimbi kakhulu.
Kodwa-ke, lezi zimali zokutshala imali zidinga ukunakekelwa okukhethekile engxenyeni yakho. Esinye sezizathu sivela okweqeni kwesikhathi esedlule. Yize, ezimweni eziningi, behlala ngaphansi ukunakekelwa kwesikhashana. Kungenzeka ukuthi isimo sakho esihle sesiphelile futhi sekwephuze kancane ukuvula izikhundla komunye wale mikhiqizo yezezimali. Yize unesithembiso esingaphezu kwamandla futhi ungenza okusemthethweni ebhange lakho elijwayelekile nangaphansi kwamakhomishini alo ajwayelekile.
Yini ongayenza ngamanzi?
Kunoma ikuphi, lolu ketshezi olunamandla lubonakala nge kuletha ukuthula kwengqondo ngezikhathi eziguquguqukayo kakhulu emalini. Ngoba empeleni, ngeke ube nokushintshashintsha okuningi kwikhotheshini yamanani abo, ngoba ahamba ngaphansi kwemikhawulo emincane kakhulu futhi kuzo zonke izimo ezingaphansi kwaleyo ethulwa eminye imikhakha. Kepha kunoma yikuphi, ukungenisa imigqa yokusebenza elandelayo kuzohlala kusiza. Lezi ngezinye zezinto ezifanele kakhulu.
- Bakhiqiza ukunikezwa okubaluleke kakhulu kunalokho ongakucabanga kusukela ekuqaleni. Okuzoba nakho izinketho ezahlukahlukene ukwenza iminikelo yakho yezezimali izuze kuzindlela ezahlukahlukene namasu okutshala imali.
- Amanzi akuyona impahla yezezimali ye- uhlamvu lokujikeleza ngakho-ke ingasetshenziselwa zonke izimo zomnotho wamazwe omhlaba. Ngokungafani nezinye iziphakamiso eziguqulwe ngokwengeziwe kumjikelezo wezomnotho. Uzohlala unabo nganoma yisiphi isikhathi.
- Kuyinto utshalomali okungaba ngaphezulu kunenzuzo esikhathini esimaphakathi neside, okuyizikhathi ezinconywe kakhulu uma ufuna ukuthatha isikhundla emanzini. Kokubili ekuthengweni ngqo nasekuthengisweni kwamasheya nasezimalini zokutshala imali ngokususelwa kulo mandla.
- Uma okufunayo ukwenza imisebenzi yokuqagela, kuzoba ngcono ukubheka ezinye izimpahla zezezimali ngohambo olukhulu lwesikhashana. Hhayi ngeze, i buyela lokho okuzokhiqiza imali oyongile ngeke kwanele ngokwezintshisekelo zakho njengomtshali-zimali omncane naphakathi.
- Elinye lamasu aphumelela kakhulu onalo ukuthi engeza ngamanzi imisebenzi yakho eyinhloko ezimakethe zezezimali. Kuzoba yindlela yokuvikela ngokuphumelelayo izikhundla zakho emalini nasemalini engaguquki.
- Unezinketho ezinkulu zokuthenga ezimakethe zomhlaba kunakwamanye amazwe. Ngokunikezwa okuhlukaniswe ngendlela yamasu ehlukene asuselwe kulo mandla adingeka kakhulu kubantu.
- Uma kufanele ukhethe umkhiqizo wezezimali owamukela kakhulu lolu tshalo-mali, lokho akuyona enye ngaphandle kwe- izimali zokutshala izimali. Akumangalisi ukuthi aqoqwe abaphathi ababaluleke kakhulu balezi zinhlobo ezihloselwe ukutshalwa kwezimali.
- Kususelwa ekusebenzeni okungavumelekile kakhulu ukuthola inzuzo enkulu, kepha kunalokho bazokukhiqizela ukubuya okuthobekile kunezinye izimpahla zezimali. Kuhloselwe iphrofayili yomtshali-zimali enokuthambekela kokugcina futhi ongafuni ukuthatha izingozi ngokweqile.
- I-Las izibikezelo iveze ukuthi isidingo sayo sizokwenyuka eminyakeni ezayo. Kungaba ucezu lolwazi ukuthi kulo nyaka ukumeme ukuthi ube namathuba amakhulu okwenza imisebenzi ngokusemthethweni emakethe yamasheya noma ngokusebenzisa eminye imikhiqizo yezezimali.
- I-Los imali ebhalwe phansi baqoqa futhi le misebenzi. Ngemodeli eyi-hybrid ehlanganisa ukuthengwa nokuthengiswa kwamasheya emakethe yamasheya nezimali zokutshala imali. Ukuze ukwazi ukusizakala ngezinzuzo zemikhiqizo emibili kusukela manje.