Esinye sezici ezifanele kakhulu kubatshalizimali lapho bethola khona imithombo yabo yokuqoqa imininingwane ngezinqumo okufanele bazenze ezimakethe zezimali. Izikhathi eziningi ngenxa yokungazi, kanti ezinye ngenxa yokusebenzisa izindlela ezingaqinisekisiwe ngokwanele, ziholela ekukhetheni okungafaneleki kakhulu, ngisho kuyingozi kakhulu ezithakazelweni zakho. Futhi kuze kube yilapho bengabathonya ukuthi basebenzise isu elingalungile elibaholela ekukhiqizeni ukulahleka okuningi ezikhundleni ezivulekile.
Uma ungenalo ulwazi olwanele lokusebenzisa imakethe yamasheya ngempumelelo, ngeke ube nenye indlela ngaphandle kokugxila ekufuneni i- iminikelo engcono yemininingwane evela kwizimali. Kumele babe nokuzimela ngaphandle kokungabaza, nokuthi abasebenzeli izinhloso zamaqembu ezomnotho, noma izinkampani ezibalulwe ezimakethe. ezezimali
Esinye isici lezi okufanele zibe nazo imithombo ngukuthi ziyi-solvency efakazelwe. Ukubheka ochwepheshe abahle kakhulu abangakusiza wenze iphothifoliyo yakho yokutshala imali ngempumelelo enkulu. Kunoma ikuphi, ukusuka kunoma yiluphi uhlobo lwamahemuhemu ngaphandle kwesisekelo, esingakudalela izinkinga ezinkulu lapho uvula izikhundla ezimakethe zamasheya. Kuvela ngemvamisa ethile ezinkundleni zedijithali ezingalethi ukuqina kumazwana nemibono yabasebenzisi.
Thola imininingwane engcono kakhulu
Kusuka kulokhu kucabanga lapho ungabandakanyeka khona ngokungaqondile ezinyangeni ezizayo, uzodinga ukwenza uhlu olufushane lwezindawo ezinhle kakhulu lapho ungathola khona ulwazi ukunquma izinqumo zakho ezimakethe zezimali. Ngeke ibe banzi kakhulu, futhi ngeke ikhawulelwe ngokweqile. Uma uphumelela, akukhona ukuthi kusukela manje uzoba usozigidi, kepha okungenani uzoba namathuba amakhulu okwenza imisebenzi enenzuzo ezimakethe ngeziqinisekiso.
Ukukusiza ukuthi ufeze lezi zinhloso ozifunayo, kule ndatshana sizokukhombisa lapho kufanele uye khona ngaphambi kokungena emakethe yamasheya ukuze uthole ukuhambisana okwengeziwe emholweni wakho ojwayelekile. Vele, ngeke kube iresiphi yomlingo yokuhamba ngokuthembeke emapaki, kepha okungenani uzoba nenketho evumayo yokuhlaziya ukuvela kwezimakethe. Kuzokusiza ukuhambisa utshalomali lwakho, futhi ekugcineni, ukungena (noma ukushiya) amapaki ngesikhathi esifanele.
Imininingwane yezomnotho efakazelwe
Okokuqala, akufanele uphuthelwe ukubuyekezwa komkhakha wezomnotho okhethekile. Kokubili kwedijithali nokuphrintiwe. Kepha kusukela ekubukekeni kolwazi lwakho, futhi kungani kungenjalo, kusukela ekuqeqesheni kochwepheshe bayo. Isihlungi sizoba sikhulu ngokwanele ukuqeda imidiya ethembeke kakhulu, noma okungenani, engasebenzi ngokuzimela kobuchwepheshe. Ngaleli su elidingeka kakhulu, uzoba sesimweni sokuhambisana nezindaba zakamuva, hhayi kuphela ezimakethe zezezimali, kodwa nasezinkampanini ezibalulwe uqobo.
Ngisho nakweminye imithombo yezindaba ongabonisana nayo, ayishodi izincomo ezinhle kakhulu kwezokuphepha ongazibhalisela ku-stock exchange. Hhayi ngeze, icabanga ukwesekwa okuhambisanayo ukunaba iphothifoliyo yakho yokutshala imali ngobunzima bezindlela. Ungaze uqhathanise izeluleko zomhlaziyi ngamunye ekugcineni kube nguyena owenza isinqumo ngokususelwa kuleso seluleko.
Ngokufanayo, bakunikeza uchungechunge lwamagrafu nokuhlaziywa kwezobuchwepheshe ngokuvela kwezinkampani ezinkulu lokho kubhalwe kuma-stock exchange. Ngenhloso yokuthi ungaba nombono oguqulwe ngangokunokwenzeka ukuze ukwazi ukuqinisekisa isimo sangempela sezokuphepha, imikhakha kanye nama-stock indices. Ngalo mqondo, inketho engcono kakhulu yezintshisekelo zakho ukusebenzisa uhlelo lokusebenzisana, lapho ungathuthukisa khona umsebenzi wakho wokuhlaziya ngokuya ngokuncamelayo onakho.
Amapulatifomu edijithali
Ezinyangeni zokugcina, futhi ngisebenzisa umthelela onikezwa ubuchwepheshe obusha, uchungechunge lwe- amapulatifomu abasebenzisi bokuhweba, okunikeza izinkomba ezithile mayelana nokuthi yiziphi izinketho okufanele ukhethe ukuzenza ukuze ukonga kube nenzuzo. Futhi lapho amalungu alezi zinethiwekhi zokutshalwa kwezimali okuncane akhiqiza imibono yawo ngesikhathi sangempela ngesimo sezimakethe zezimali.
Akuyona indlela evumelana ngokuphelele nezintshisekelo zakho, kepha okungenani - uma unolwazi oluncane ezimakethe - kuzokusiza ukuthuthukisa isiphakamiso sakho sokutshala imali ngokuphepha okukhulu. Ngisho ukufinyelela dala amaqembu abasebenzisi ngokususelwa kubudlelwano babo bokutshala imali. Hhayi nje ukuthatha isikhundla emakethe yamasheya, kepha futhi neminye imikhiqizo yezezimali (izimali zokutshala imali, izimali ezithengiswa ngokushintshana, izimvume, ukuthengiswa kwezikweletu, kanye nemakethe yezimali zangaphandle).
Ukubhalisela le nsizakalo, emahhala, bazodinga ukuthi ugcwalise uhlu lwemibuzo olulula bese unikezela nge-imeyili. Uma le nqubo yokubhalisa yenziwe yaba semthethweni, uzokwazi ukufinyelela nganoma isiphi isikhathi ngokusebenzisa iphasiwedi oyonikezwa yona kusuka kungxenyekazi yezezimali, futhi uzokwazi ukufinyelela mahhala kukho konke okuqukethwe kuyo, ngaphandle kwemingcele.
Izinkundla zabatshalizimali
Kuyisu elisetshenziswa ngabatshalizimali abanolwazi oluncane, futhi nangabancane. Bazama ukuthola eminye imininingwane ukuthuthukisa ukuthengwa kwamasheya. Kepha kulokhu bazokwazi ukuthola okuncane kakhulu, ngale kwalokho imibono ephindaphindwayo futhi enokwethenjelwa okuncane kakhulu nokuvumelana kobuchwepheshe. Kulesi simo, akuyona indlela efanelekile yokukhetha amanani wemakethe yamasheya, noma ukuvumelanisa nesinqumo sakho.
Ngemvamisa ethile, abanye abasebenzisi basebenzisa lezi zinkundla ngezinhloso ngaphandle kokutshala imali kwesitoko. Futhi kuze bangase bazame ukukudukisa ngemininingwane ebucayi ukuthi baqala ngeziteshi eziningi zalezi zici ezinikwe amandla ngefomethi eku-inthanethi. Kulula ukuthi ungabanaki kangako, futhi ungabanaki kangako ukuze bahambisane nesinqumo sakho. I-Rigor ayikho kunoma iyiphi yazo, futhi kungcono ukhohlwe ngaleli su elingahambelani.
Imininingwane evela ebhange lakho
Akunakuphikwa ukuthi omunye wemithombo yolwazi onayo okwamanje onayo ngongoti beqiniso kule ndawo yebhizinisi. Futhi ngalo mqondo, iyiphi indlela engcono kunokuya ebhange lakho elijwayelekile. Ngakolunye uhlangothi, ukuvakashela amagatsha asebhange, lapho bazokwazi ukukwazisa, hhayi kuphela ngamathuba amahle kakhulu okutshala imali, kepha futhi yimiphi imikhiqizo yezezimali ehamba phambili ngokususelwa kuphrofayela yakho njengeklayenti. Futhi ngaphandle kwezindleko zomnotho, ngoba zizodinga kuphela ukuthi ube iklayenti lebhizinisi, akukho okunye.
Ngakolunye uhlangothi, amabhange anamakhasi ewebhu asezingeni eliphakeme anikwe amandla, lapho insizakalo yokutshalwa kwezimali ifakwa ezinzuzweni zawo. Ngochungechunge lwezigaba ezizosiza kakhulu ukuhambisa utshalomali lokonga: amakhomishini, izincomo, amaphothifoliyo oyisibonelo wokutshalwa kwezimali, ukuvela kwemakethe yamasheya, njll. Ziyakwazi imininingwane inhloso ngempela, futhi kuqhathaniswa, ezosebenza njengethuluzi eliwusizo kakhulu ukuthenga nokuthengisa amasheya ezimakethe. Noma ukufinyelela eminye imikhiqizo eyinkimbinkimbi.
Izincomo zemvelaphi engabazekayo
Ngeshwa, kunenani elihle labatshalizimali abancane nabaphakathi abasaphethwe indlela engathandeki kakhulu, futhi esezingeni elidala, okungeyona enye ngaphandle kwe "izwi lomlomo" lendabuko. Ukulalela izeluleko zabangani nomndeni. Futhi ukuthi ngokulangazela kwabo ukusiza bancoma ukutshala imali kulondolozo kunani elilodwa noma elinye. Uma bekwenza, ukuhlinzwa kungahle kuhambe kahle, kepha imvamisa kuyiphasipoti yokwenza izingozi ezingadingekile.
Akufanele nhlobo wamukele ifayili le- ukuphazamiseka okuvela kubantu besithathu ukuthuthukisa iphothifoliyo yakho yokutshala imali, futhi kuncane uma benolwazi oluncane kunawe. Akumangalisi ukuthi yimali yakho ogembula ngayo. Kuze kube yiminyaka embalwa edlule bekuseyiqhinga elijwayelekile phakathi kwabatshalizimali abanokuqeqeshwa okuncane. Kepha uma unikezwa ukuvela kwemigudu emisha yolwazi, isinyamalale njengethuluzi lokuthatha izikhundla emalini.
Izinhlelo zokusebenza zeselula
Ukuthuthukiswa kobuchwepheshe obusha kuthinteka nobudlelwano babatshali bezimali abancane abanemithombo yolwazi. Futhi ngalo mqondo, izicelo ezintsha nezandayo ziyabonakala ukuthi ungazilanda mahhala kuselula yakho. Zihlobene nezwe lokutshala imali, futhi ikakhulukazi ezimakethe zamasheya. Ukwenza kube lula, ezimweni eziningi, ukufinyelela olwazini nokuqukethwe okuhlobene nomkhakha wemakethe yamasheya.
Kusuka kulesi simo esisha, kuvulwa iziteshi ezintsha zokwenza kube semthethweni ukusebenza kwezezimali kusuka kuleyo mobile ohlale unayo eceleni kwakho. Ngaphezu kwalokho, inedatha ngokuvela kwe- izimakethe zezezimali zesikhathi sangempela. Hhayi kuphela ezimakethe zikazwelonke, kodwa futhi nangaphandle kwemingcele yethu. Futhi ukuthi kumamodeli athuthuke kakhulu kunwetshiselwa kolunye utshalomali oluthile: izinto zokusetshenziswa, izimali, izinsimbi eziyigugu, njll.
Futhi noma kunjalo, kungaba ithuluzi elihle kakhulu lokwenza imisebenzi ibe semthethweni lapho ungekho ekhaya noma emsebenzini. Isibonelo, eholidini, ohambweni olude, noma kumcimbi wokuzijabulisa noma womndeni. Ukuphazamiseka kwayo okuyinhloko kulele ekuxakekeni kwezinye izinhlelo zokusebenza, okuzothatha isikhathi esithile kuze kube yilapho uqonda ukusetshenziswa kwazo.
Bayanda abasebenzisi, ikakhulukazi labo abavela emkhakheni wentsha, abakhetha ukuthi lolu hlelo olusha luthuthukise ukuma kwabo ezimakethe zokulingana. Kunoma ikuphi, ngaphezu kwezinye izindlela ezinikezwe kulolu lwazi