Uma ufuna ukugcina ubudlelwane obuhle kakhulu nezimakethe zezimali, ngeke ube nenye indlela ngaphandle kokwazi ukuthi ukukhuphuka kwemali kuqukethe ini. Ingabe mayelana insiza yezomnotho izinkampani ezisebenzisa kakhulu kuyo afakwe ohlwini lwama-indices ezimakethe ezinkulu zezwe lethu. Futhi lokho kufaka imiphumela ethile kumanani athintekile. Uzoba namandla okuya noma cha kubo kuye ngezintshisekelo zakho emkhakheni wemakethe yamasheya.
Okujule ngokwengeziwe, ukwanda kwemali kungukusebenza kwezezimali okubandakanya ukukhulisa izinsiza zenkampani ngenhloso yokukwazi ukuxhasa izimali ezintsha noma ukuthuthukisa isimo sayo sezezimali. Lezi zinhlobo zokusebenza kwezomnotho azifani ngaso sonke isikhathiVele akunjalo, futhi zingakuthinta ngezindlela eziningi, kuze kufike ezingeni lokuthi zingakhululeka ngokuphelele, okuyilapho zivuna khona kakhulu izintshisekelo zakho. Ngokuqinisekile ungahlola uma ulandela lolu lwazi.
Amakilasi okwenyuka kwemali
Kunezinhlobo eziningi zokukhuphuka kwemali ongaya kuzo uma unezikhundla ezivulekile kwezinye zezibambiso zesitoko ngokuya ngokuhamba enhlokodolobha yazo. Futhi ngokuqinisekile bangavela ezikhathini ezingaphezu kwesisodwa empilweni yakho njengomtshali-zimali omncane naphakathi. Ezinye zizoba lusizo kakhulu kunezinye, kepha noma kunjalo kuzoba nguwe okufanele uthathe isinqumo.
Kukhishwe isandiso: iqukethe lapho inani elilinganiselwe lamasheya akhona landa: Ingakhokhiswa ezinzuzweni ezingasatshalwanga zenkampani, futhi uma kunjalo, ngeke kudingeke unikele ngemali kulo msebenzi ngoba uzothola amasheya amasha akhishiwe, okungukuthi, ngokuphelele free.
Kuyisimo esihle kakhulu sentshisekelo yakho, noma kungenjalo ngaso sonke isikhathi kuzo zonke izimo. Kungakusiza ukuthi ukhulise izikhundla zakho kunani, ngezenzo eziningi. Futhi ngenxa yalesi simo, uzoba namathuba amakhulu okwenza imisebenzi yakho ibe nenzuzo lapho uthengisa amasheya, amadala namasha.
Ngendima: kulapho zenziwa ngenani eliphansi lamasheya amasha. Kulesi simo, uma ufuna ukuya eselulekweni, ngeke ube nenye indlela ngaphandle kokukhokha enye imali yamasheya amasha. Le nhlangano ibizwa nge-premium ekhishwayo, futhi ayihlali yanelisa kakhulu izintshisekelo zakho. Kunoma ikuphi, kuzosho okunye ukukhishwa okuzodingeka ubhekane nakho ukuze ukwenze kube nenzuzo ezinyangeni ezizayo, noma eminyakeni.
Kukhiqizwa umphumela ongadukisa abatshalizimali abaningi. Akukho okunye ukwenyuka kwenani lamasheya asilele, okudala lokho yehlisa inani ukubalwa kwesenzo ngasinye. Lokhu kusebenza kunomthelela oqondile entengo yamasheya. Hhayi ngeze, ngezihloko eziningi kunakuqala, inani lesabelo ngasinye libiza kancane. Ukwehliswa kwenzeka ezitokisini, into okungenzeka ukuthi uyizwe ku-equity slang ezikhathini ezingaphezu kwesisodwa.
Sinjani isimo sakho?
Njalo lapho ukwenyuka kwemali kwenzeka ezinkampanini ezisohlwini, abaninimasheya bazoba nelungelo lokukhetha ukubhalisela amasheya amasha maqondana nabatshalizimali abangenazo izikhundla emalini. Ungakhohlwa, ngoba ingesinye sezici zale minyakazo, futhi lokho kungakusiza ukuthi wandise izikhundla kwezokuphepha ezithintekile. Kuze kube seqophelweni lokuthi imali oyitshalile ibe namandla kakhulu kunasekuqaleni.
Kodwa-ke, amalungelo okubhalisela amasheya amasha azoba ngokuzithandela. Awudingi ukuya ekukhuphukeni kwemali eyinhloko, futhi kuphela uma unentshisekelo ezimweni zabo, lapho kufanele wamukele ukuhlinzwa. Kulula kakhulu ukuthi udonse umshini wokubala ukuze uhlole umphumela wangempela wokwamukelwa kwawo kuma-akhawunti akho, futhi noma ngabe lokho kungasho izinzuzo ezengeziwe ngekusasa.
Ungasebenzisa lo msebenzi wezezimali ukuthola amasheya amasha amaningi njengoba uvunyelwe futhi ngentengo ekhishwe yinkampani ngaphambilini noma ukungasebenzisi ilungelo lakho ulithengise emakethe. Esimweni sokuqala, uzobona isikhundla sakho njengomninimasheya enkampanini esiqinisiwe, kungaba mahhala noma ngokukhokha inani. Uma, ngokuphambene nalokho, ungafuni ukuya kusandiso, ngeke ube nenye indlela ngaphandle kwalokho thengisa amalungelo ezimakethe. Ungathola nemali encane yokuthengiselana okwenziwe.
Imiphumela yokwenyuka kunani
Lapho kwenziwa ukunyakaza kwezezimali, kungenxa yokuthi inkampani izama ukuheha imithombo ethe xaxa yemali ukuqinisa umugqa wayo webhizinisi. Imvamisa njengomphumela wenye inkinga kuma-akhawunti akho ebhizinisi. Kungakho, isikhathi ngasinye kunokwanda kwemali yamukelwa kabi kakhulu yizimakethe. Amasheya abo ajwayele ukwehla, noma ngamandla, ukukhiqiza ukulahleka okukhulu kunani lamasheya abo.
Bahlonza izandiso ngezinkinga zezezimali enkampanini, nokuthi ngabo bangathola izinsiza ezidingekayo ukuze baqhubekele phambili. Akhiqizwa kuphela ezinkampanini ezinkulu zokwenza imali, kepha abaholi benkomba ekhethiwe yaseSpain bayayenza. Kwanele ukubona ukuthi eminyakeni edlule, Izinkampani ezinjengeBanco Santander noma iTelefonica sezethule ukwanda kwemali, yize zinemvelo ehlukahlukene. Futhi kuzo zombili izimo, ukulahlekelwa inani, noma okwesikhashana.
Kuphela uma abatshalizimali bakholelwa ukuthi inkampani izophuma iqiniswe kakhulu futhi yazuza ekwandisweni, lapho intengo yamasheya ingakhuphuka khona. Yize ungacabanga ngenye indlela, akusona isinyathelo esifunwa ngabatshalizimali abancane. Futhi ungaba nenzuzo kuphela uma ungaphandle kwenani. Kanjani? Kulula kakhulu, ukungena ezikhundleni zabo ngamalungelo, esikhundleni sokuthenga amasheya ngqo kusuka ekuthengisweni kwesitoko.
Phakathi nayo yonke iminyaka uzoba nokusebenza okuningi kwalezi zici, kokubili ngamanani amakhulu nalawo avela kuma-indices amancane. Kuzoba nguwe okufanele uthathe isinqumo sokuya kubo, bobabili njengabaninimasheya oyikho, noma ukuthatha izikhundla kunani. Ukunikezwa okwethulwayo kubaluleke kakhulu, nangohlobo olwahlukahlukene. Ngoba akuzona zonke izandiso ezizofana, ngoba ngasinye sazo silawulwa yizici ezichazwe kahle kakhulu.
Izinkinobho zokwazi ukuthi uya yini ekukhulisweni
Njalo lapho noma yikuphi kwalokhu kusebenza kwenzeka ezimakethe zezimali, kufanele ufunde lokho abakunikeza kona. Futhi thola ukuthi usesimweni sokwamukela isiphakamiso sokutshalwa kwemali. Ukukusiza ukuthi wakhe isu elinembile nelifanele, sikunikeza uchungechunge lwamathiphu angahle abe wusizo kakhulu kuzintshisekelo zakho njengomtshalizimali omncane. Futhi ngenxa yabo, khetha isinqumo esifanele kakhulu.
- Iningi lokwenyuka kwemali enkulu akusilo ithuba lebhizinisi njengoba ungacabanga. Izinkampani zizama ukukhulisa izinsiza zomnotho ukukhulisa ibhizinisi lazo, bese ziphendukela kubaninimasheya. Ungabhaliseli ngoba nje, futhi uma kunesidingo funa iseluleko kuchwepheshe ezimakethe zezimali ozozama ukukusiza wenze izinqumo.
- Indlela engcono yokuvikela izintshisekelo zakho yile lapho izandiso zikhululekile, futhi akudingeki ubhekane nanoma yikuphi ukukhishwa kwemali. Kulezi uma ungahle ube nentshisekelo yokubhalisela isandiso. Olunye udaba oluhluke kakhulu ukuthi intengo yamasheya izoguquka kanjani ezimakethe zezimali.
- Uzoba nesikhathi eside ngokwanele ukwenza isinqumo sokugcina. Lezi zinsuku zizokusiza ukuthi ufunde, uhlaziye futhi ulawule okunikezwayo. Akudingeki ukuthi unikeze umbono wakho ngosuku lokuqala, kepha unesikhathi sokubonisa esingafinyelela cishe ezinsukwini ezingama-30. Akukhona ukuhlakanipha ngawe ukuthi uthathe isinqumo ngaphambi kwesikhathi, ingasaphathwa eyokuboniswa.
- Uma inhloso yakho kungukuhlehlisa izikhundla kwezokuphepha ezimemezela ukukhushulwa kwemali, ngeke kube yisinqumo esihle ukuthi ushintshe umqondo ngenxa yaleli qiniso elimangalisayo. Kufanele ugcine isimo esifanayo, futhi kalula wenqabe isiphakamiso, ngaphandle uma imibandela yokubhaliselwe ivuna ngokukhethekile izidingo zakho.
- Inzuzo ongayithola kule misebenzi ngeke, ezimweni ezinhle kakhulu, ibe muhle kakhulu, futhi bazokunikeza kuphela izinsizakusebenza ezidingekayo ukuze uzitike ngonyaka, akukho okunye. Noma kungathatha izinyanga ezimbalwa ukwenza lo mkhuba ube semthethweni.
- Ngaphambi kokuya noma ukunganyuki kwemali, kuzodingeka ukuthi gcina engqondweni ukuthi lesi siphakamiso sokutshalwa kwemali sivela kuyiphi inkampani. Kuzoba inkomba eyodwa ukuthi kufanele uhlole ukusebenza kwakho ezinsukwini ezizayo. Njengoba besilokhu siphindaphinda, akufani konke, kude nakho.
Isiphetho sokugcina
Yize kungumbutho odala ukulindela phakathi kwabatshalizimali abancane, kungcono ukuthi ubheke ezinye izinketho ezisobala zokungena ezimakethe zezimali. Noma okungenani ukuqinisa izikhundla zakho ekuphepheni okuthile. Ngaphezu kwalokho, ezimweni eziningi, ukwanda kwemali kuyenyuka zichuma ngaphansi kwezimo ezinzima kakhulu, futhi wena uqobo awuqondi. Ukufuna izeluleko zabanye abantu, abazi ngalezi zinkampani.
Futhi uzoba nokuningi ukubona ukuthi isandiso senziwa ngokuphepha ngokuthambekela okubheke phezulu noma phansi, ngoba kungenzeka kube yindlela ezothathwa lapho isikhathi sokubhalisile siphela. Futhi ungakwenza kube nenzuzo, noma cha, ngokuya ngecala ngalinye. Akumangalisi ukuthi ngayinye yazo izohluka, futhi akudingeki ukuthi uzwakalise ukuxilongwa kwakho mayelana nokuthi udinga ukuya noma cha.