Ukutshala imali kwimvelo, okuthile okungaphezu kwemfashini

Enye yezinzuzo zokutshalwa kwezimali ukuthi kungenziwa ngamasu ahlukene. Kusuka kokujwayelekile kakhulu kuye koqobo futhi kuyintsha futhi lokho kungamangaza umsebenzisi ongaphezu koyedwa. Kepha-ke, okunye okusikisela kakhulu yilowo onemvelo njengenhloso yawo enkulu. Ngaphezu kwalokho, ingahanjiswa ngemikhiqizo eyehlukene yezezimali, ngaphandle kokukhawulelwa ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Ngandlela thile, kungenye indlela okufanele wenze ngayo ukonga kube nenzuzo kusuka manje kuqhubeke.

Okunye okuhehe ukungenisa le modeli yokutshala imali ukuthi ungasiza imvelo ngeminikelo yakho yezezimali. Ukufika eqophelweni lokuthi kuya ngokuya kujwayelekile ukuthi imikhiqizo yezezimali yalezi zici ivele. Ukusuka kuzo zonke izindlela, njengoba uzokwazi ukuqinisekisa kusukela manje kuqhubeke. Ngoba imvelo isiphenduke impahla yezezimali engaba yinzuzo enkulu. Yini enye, ilungele kakhulu izimo ezithile ukuthi izimakethe zemali zingathuthuka.

Isithembiso sokutshala ifa lakho ku-ecology sihlanganisa okungenakubalwa amathuba. Kusuka ekutshalweni kwezimakethe zamasheya zakudala kuya kwamanye amafomethi acacisiwe, njengokufakwa kwama-term futhi ikakhulukazi izimali zokutshala imali. Indlela entsha iyavula ukuze ukwazi ukubuyisana nomhlaba wokutshalwa kwemali nendlela yakho yokuqonda impilo. Ukuze ufeze lezi zinhloso ozifunayo, sizokunikeza ezinye zeziphakamiso onikezwa zona ezimakethe ezehlukene zezezimali. Ngokuqinisekile ezinye zazo zizodonsa ukunakwa okuningi.

Imvelo esikhwameni

Njengoba kungeke kube kuncane, imvelo nayo ikhona ezimakethe zezimali. Yize kuliqiniso ukuthi kusuka kundlela ebabazekayo ngokuphathelene neminye imikhakha. Imelwe kakhulu yizinkampani zamandla avuselelekayo futhi yethula izinketho eziningana. Kokubili emalini kazwelonke nasezimakethe ezahlukahlukene zomhlaba. Iningi lazo livela izinkampani zikagesi ukuzama ukuzivumelanisa nalezi zinhlobo zebhizinisi. Ngokwamukelwa okuphawulekayo ngabatshalizimali abancane nabaphakathi.

Lawa manani ahlinzeka ngomnikelo owengeziwe owenza ube mnandi kakhulu kuwo wonke amaphrofayili wabatshalizimali. Ukusuka kokunolaka kakhulu kuya kulabo abafuna izindlela ezilandelanayo eziningi. Okwamanje izimbuyiselo aziteleki kakhulu. Kepha kunalokho, bahamba ngaphansi kwamamaki ajwayelekile. Lapho enye yezinkampani ezikhethe kakhulu ukuthola amandla avuselelekayo ikhona Iberdrola. I-state-of-the-art uma kuziwa ekusebenziseni la mandla amasha.

Imikhiqizo yezemvelo e-USA

Enye indlela ukuwela ulwandle uye ezingeni le-US. Ngoba empeleni, kulezi zimakethe ezibalulekile zezimakethe zezimali ezixhumene kakhulu nomhlaba wezemvelo zibaliwe. Lapho kuvezwa khona amanani okudla anemikhiqizo enikeza lesi sici esikhethekile. Lapho amazinga enzuzo ekutshalweni kwemali angathuthukiswa. Yize le misebenzi izobandakanya okukhulu ukwanda kwamakhomishini isetshenziswa yizikhungo zezezimali.

Uma ungumlandeli wemvelo, akungabazeki ukuthi kule makethe ye imali engenayo uzoba namathuba amakhulu wokuthuthukisa imbuyiselo kulondolozo lwakho. Ngisho naseziphakamisweni ezixhumene kakhulu nobuchwepheshe obusha. Ngokuphambene nalokho, ukubuyela emuva kwabo okuhle kuxhomeke ekutheni bazoba amanani amancane kakhulu awaziwayo nokuthi ngeke bakuvumele ukuthi wazi izinkampani ezikhethe le modeli yebhizinisi elihlukile. Zikhona futhi ezimakethe zase-Europe, kepha ngaphandle kwamandla ezimakethe zaseMelika.

Izimali ezikhethekile zokutshala imali

Kunoma ikuphi, umkhiqizo omuhle kakhulu okhombisa lo mkhuba yizimali ezihlukile zokutshala imali. Kuyindlela elula yokuzibeka kulo mkhakha omusha. Ezimweni eziningi ngezinkampani ezisekela osopolitiki abasiza ngezemvelo. Kepha futhi ngezimpahla zezimali ezisuselwa ku- amandla ahlanzekile nahlanzekile. Njengasesimweni esithile semithombo yamanzi noma yomoya. Kuyindlela ejwayelekile kakhulu kubatshalizimali abancane nabaphakathi ukuzibeka ngokusobala emkhakheni wezemvelo.

Hhayi ngoba ziyizikhwama zemvelo zinenzuzo enkulu kunezinye. Esikhundleni salokho, kuhlobene nokuvela kwezimpahla zezimali ezimakethe. Ngalo mqondo, kufanele kukhunjulwe ukuthi ngonyaka odlule inzuzo emaphakathi yalezi zimali zokutshala imali kusondele ku-8%. Yize bengakhombisi njalo amaphesenti afanayo, njengoba kunengqondo ukuthi ungaqonda. Kunoma ikuphi, kuyindlela ethakazelisa kakhulu yokuzibeka ku-ecology ngaphandle kwezinkinga ezeqile nangendlela elula.

Izimali zokutshala izimali zalezi zici zinikezwa ngabaphathi ababaluleke kakhulu emakethe. Ngamamodeli ahlanganisa nokutshalwa kwezimali nezinye izimpahla zezezimali. Ngokuvamile kusuka kumasheya kanye nemali engenayo engaguquki. Ukuze ngale ndlela, usesimweni esihle kakhulu ukwehlukanisa izimpahla ezitshaliwe. Idizayinelwe ngokukhethekile ukuze ukwazi ukuzivumelanisa nazo zonke izinhlobo zezimo, kufaka phakathi okungathandeki kakhulu ezimakethe zezezimali.

Izintela ezixhunywe kulo mkhakha

Unezinketho eziningi zokuxhumanisa ukonga nemvelo. Enye yezinto ezivamile yenziwa ngamadiphozithi etheimu, kepha kulokhu kuxhunyaniswe nale mpahla yezezimali ekhethekile. Kuyisu lokuthuthukisa inzuzo ebuthakathaka enikezwa yile mikhiqizo okwamanje. Ukuze weqe izinga le-1% eminikelweni oyenzayo ngalezi zinhlobo zokonga. Yini enye, ubungozi buzoba buphansi kakhulu kunalokho kweminye imikhiqizo yezezimali, ngokuvamile ixhunyaniswe namasheya.

Kunoma ikuphi, uzothola imbuyiselo engaguquki minyaka yonke. Ngamagama ahlukile okuhlala unomphela kusukela ibanga lisukela ezinyangeni eziyi-12 lize lifike kuma-48. Kodwa-ke, ngeke ukwazi ukukhansela intela engcupheni yokukhokha ikhomishini ebanga kakhulu ecishe ibe ngu-2% kunani elibekiwe. Ezokuphepha zingenye yezinto ezijwayelekile zalo mkhiqizo wemali engaguquki eguqulelwa kuzo zonke izinhlobo zokulondoloza. Lapho iphrofayli evikela kakhulu lapho ukuzinza kokonga kudlula okunye ukucatshangelwa okunolaka. Ungaqasha la madiphozithi kusuka kumanani aphansi kakhulu kuwo wonke amakhaya, kusuka kuma-euro angama-3.000.

Ngezimali ezihwebelana ngokushintshaniswa

Ama-ETF abuye anikeze ithuba lokuhlangabezana nalesi sidingo kubatshalizimali abancane nabaphakathi. Kepha kusuka kuzindlela ezinolaka kakhulu ngoba lo mkhiqizo uyi hlanganisa phakathi kwezimali zendabuko mutual nokuthengwa nokuthengiswa kwamasheya. Lokhu kusho ukuthi amama wenzuzo angaphakama kunezinye izindlela esikufundise zona. Kunoma ikuphi, ulwazi oluthe xaxa luyadingeka ngenxa yobunzima bale modeli yokonga. Ngoba ngakolunye uhlangothi, ungashiya futhi ama-euro amaningi endleleni.

Njengezimali ezihlanganyelwe, lawa mafomethi athambekele ekutshaleni imali ezifundweni zamandla aluhlaza kakhulu. Yize eminyakeni yamuva nje zonke izinhlobo zokutshala imali ezixhunywe emandleni avuselelekayo nazo ziyakhuthazwa. Enye yezinzuzo zalezi zimali ezidayiswa ngokushintshisana ukuthi aguqulelwa cishe kuzo zonke izinhlaka zesikhathi. Ngenkathi ngakolunye uhlangothi bethula amakhomishini ancintisana kakhulu kunalawo akhiqizwa ezimakethe zezimali. Kodwa-ke, ngumkhiqizo wezezimali onzima kakhulu kuneminye.

Imihlahlandlela yokusebenza ne-organic

Uma uzokhetha le ndlela, ngeke ube nenye indlela ngaphandle kokwazi ukuthi akufanele utshale imali ukuze uthole imvelo. Kepha, kunalokho, isinqumo sakho kufanele sisekelwe kunqubo yokuthola inzuzo. Ngokolunye uhlangothi, unganikeli inzuzo ephezulu noma ephansi kuzintshisekelo zokuqukethwe kwabo. Ngokuphambene nalokho, kuzonqunywa ngolunye uchungechunge lwezinto eziguqukayo ezixhumene nokuvela kwezimakethe zezimali. Okunye futhi okunzima kakhulu ukulandela ngoba zivela kwezinye izimakethe ezingavamisile ukuvela kwabezindaba.

Esinye isici okufanele usicabangele yileso esibhekisa ethubeni lokutshala imali. Ngoba empeleni, akukhona ukutshalwa kwezimali kwesikhashana, kepha kunalokho, kungasetshenziselwa noma yisiphi isimo ezimakethe zezezimali. Kokubili kukhulu futhi kungathandeki kakhulu kuzintshisekelo zakho njengomtshali-zimali omncane naphakathi.

Akumangalisi ukuthi ezimweni eziningi kuzoncika ekuguqukeni kwangempela kwalezi zimpahla zezezimali. Ukufika ezingeni lokuthi uzoba nenkinga enkulu kakhulu yokuthwala okujulile ukulandela umkhondo ngezikhundla ezivulekile kunoma yisiphi salezi ziphakamiso. Kubalulekile futhi ukuthi wazi ukuthi izinketho ezinikezwa izimakethe zomhlaba jikelele zibanzi kunendawo yethu. Ngoba ekugcineni kosuku kuneziphakamiso eziningi ongazikhetha uma uzotshala ingxenye yefa lakho kwimvelo.