Enye yezingqinamba ezinkulu lapho kuqashwa izimali zokutshala izimali ngamakhomishini abanikazi bawo okufanele babhekane nawo. Akumangalisi ukuthi lesi sigaba semikhiqizo yezezimali asinakhomishini eyodwa njengasekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Kepha, kunalokho, kungasetshenziswa amakhomishini ahlukile kanye nohlobo oluhlukile. Konke lokhu kuzoncika esikhwameni sokutshala imali esikhethiwe futhi ngaphezu kwakho konke kumphathi ophethe ukumaketha umkhiqizo. Ngokwezinga eliphelele abakwazi ngalo finyelela kuma-2% enanini elitshaliwe.
Hhayi kuzo zonke izimali ezihlanganyelwayo amakhomishini afanayo akhokhiswa. Hhayi kancane. Umehluko phakathi kwesikhwama sokutshala imali sikazwelonke nokunye okuhlukile komhlaba kungafaka umehluko okhokhwayo ongaphezulu kwe-1%. Ngalesi sizathu esiqondile kubaluleke kakhulu ukukhetha amamodeli angadingi kakhulu kulokhu. Ngoba ngaphezu kwalokho, kungani ukhokha imali ethe xaxa kumakhomishini esikhwama lapho esinye sezici ezifanayo sicabanga ngamanani ashibhile emindeni?
Ngokusebenzisa izeluleko ezimbalwa ezilula kusukela manje uzokwazi ukwenza imali kulo mkhiqizo wokutshala imali ngendlela enengqondo futhi uqukethe izindleko maqondana nokukhokhwa kwamakhomishini awo. Ngoba kufanele wazi ukuthi amakhomishini asetshenziswa kuzo zonke izimali, hhayi kuphela emholweni ohleliwe, kodwa nakulokho okususelwa kumholo oguqukayo, imali, ukuphathwa okuhlukile noma okuqukethwe okuxubekile. Ngale ndlela, akukho ukukhishwa uma ufuna ukutshala imali yakho kunoma yiziphi izimali zokutshala imali.
Gcina kwizimali ezihlanganyelwe
Kuzoba kubaluleke kakhulu ukuthi wazi kuqala ukuthi kunezinhlobo eziningi zamakhomishini kulolu hlobo lwemikhiqizo yezezimali futhi-ke ziningi kakhulu kunalokho okucabangayo ekuqaleni. Kukhona okunye okuphoqelekile kuzo zonke izimali zokutshala imali, njenge lezo zabaphathi kanti nehlelo lediphozi lehliswa nsuku zonke kusuka kunani lesabelo sesikhwama. Ukuze ungaziboni lezi zindleko ekutshalweni kwemali, yize empeleni beyidonsa kancane kancane. Kulezi, isu eliyinhloko lokonga imali ekusebenzeni ukuya kulawo mamodeli anamanani aphansi. Ngalo mqondo, kunezimali ezinekhomishini engu-0,6% kuphela futhi ezingasiza ngokuphelele.
Ngoba into eyodwa okufanele ucace kusukela manje kuqhubeke ukuthi ngoba ukhokha imali ethe xaxa kumakhomishini akusho ukuthi inzuzo kumele ibe phezulu. Akuhlobene nomunye nomunye futhi iphuzu kungenxa yokuthi izimali zokutshala imali ezinamakhomishini aphansi zivame ukuba nenzuzo enkulu okwamanje. Ukukhetha kwakho kufanele kugxile enzuzweni yangakusasa lo mkhiqizo wezezimali ongakunikeza yona. Ngeke kube yimali eningi oyonga ngokusetshenziswa kwaleli qhinga, kepha okungenani kuzokusiza ukuthola inzuzo ethe xaxa ekusebenzeni ngakunye okwenziwa ezimakethe zezezimali.
Gwema amakhomishini abanzi kakhulu
Ezimalini zokutshala imali, amakhomishini awalungiswa, kepha kunalokho, ayahlukahluka. Lokhu kusebenza kumane kusho ukuthi abasoze bakwazi ukudlula okumbalwa amamejini wokulamula yizinkampani zokuphatha ezenza lo mkhiqizo utshalomali. Kodwa-ke, banenkululeko ephelele yokuzifaka futhi bazilinganise, namakhomishini amaningi njengoba abona efanelekile. Umthetho wesithupha oqukethe izindleko kulolu hlobo lotshalo-mali ukugwema amanani akhula kakhulu. Ezimweni eziningi zingumthwalo obaluleke kakhulu ukuze wenze ukonga kube nenzuzo ngempumelelo ngoba badla ingxenye enkulu kakhulu yazo.
Lokhu kuthinta ngokuyisisekelo lokho okubizwa ngokuthi amakhomishini wokuzikhethela: futhi yini lawa ngempela? Yebo, sikhuluma ngamakhomishini we okubhaliselwe, ukubuyiselwa imali noma ukusatshalaliswa. Unenzuzo enkulu yokuthi azivamile ezimalini zokutshala imali, kepha noma kunjalo zingamela ngaphezu kwe-1,50% yenhlokodolobha yokusebenza. Ikakhulukazi lapho bekukhokhisa ngaphezu kwekhomishini eyodwa yalezi zici. Akumangalisi ukuthi kungaba yinto engenzeka ohlangothini lwakho uma uzotshala imali eningi kulo mkhiqizo wezezimali. Kepha ngokuqinisekile hhayi ngemali ephansi kakhulu lapho ungakhawulela khona ukuncintisana kwesikhwama sokutshala imali.
Behlisiwe esilinganisweni
Kunoma ikuphi, ezinye izimali zokutshala imali ziyawehlisa lawa makhomishini. Kwezimali ezinikelwe noma izinzuzo eziqoqiwe, kuya ngemodeli oyikhethayo ngaso sonke isikhathi. Ngale ndlela, kubaluleke kakhulu ukuthi ukhethe izimali zokutshala imali ezingenayo ngaphezu kwamakhomishini wokuqashwa kwabo. Ngoba okubaluleke kakhulu ukuthi inenzuzo kule minyaka embalwa ezayo futhi ngeke kuncike ekutheni ukhokhe amakhomishini aphezulu kakhulu. Le nto ilawulwa ezinye izinto eziyinkimbinkimbi nokusebenza kwezimakethe zezimali. Kulula kanjalo futhi kuzodingeka ukuthi ukubhekisise kusuka manje kuqhubeke ukonga imali eningi kunalokho obucabanga ekuqaleni.
Ngakolunye uhlangothi, kunenzuzo enkulu kuwe ukuthi ukhokhe amakhomishini aphezulu kwizimali zokutshala imali uma imisebenzi yakho izongena kuyo isikhathi esimaphakathi neside. Ikakhulu, ngoba uzonciphisa kancane kancane lezi zindleko. Ngokuphikisana nokusebenza kwesikhashana lapho ukusetshenziswa kwaso kuzobonakala kakhulu. Ngokuphambene nalokho, utshalomali lwesikhathi esimaphakathi futhi ikakhulukazi lwesikhathi eside yilona olufanele kunazo zonke ukwakha isikhwama sokonga ngesikhathi somhlalaphansi wakho. Lokhu kusho ukuthi ungazithwala izindleko zamakhomishini.
Amasu okuqukatha izindleko
Vele, enye yezinjongo zakho eziyinhloko kufanele ihlose ukonga imali kwizimali zokutshala imali. Futhi iyiphi indlela engcono ukwedlula ukukhokha imali encane yamakhomishini asetshenziswa kulezi zinhlaka zokonga. Akungabazeki ukuthi ukukhetha izimali zikazwelonke zokutshala imali kuzobiza kakhulu kunezinye zomhlaba. Yini enye, zingafana noma zibe nenzuzo enkulu nangezindleko eziphansi. Ungakhetha le modeli ngokuqukethwe kwezindleko zamakhomishini. Ngeke kubandakanye noma yimuphi umzamo futhi uzothola izimali ezithakazelisa kakhulu ukwenza imali yakho yangasese ikwazi ukuzuzisa.
Enye ifomula yokufinyelela kuleli phuzu elifanayo isuselwa ekukhetheni izimali ezenziwe ngumphathi webhange lapho ongene khona ezinkampanini zakho zokutshala imali. Amabhange amaningi anale nsizakalo: I-Bankinter, iSantander, i-BBVA, iSabadell, njll. Ngokumelwa okubanzi kwale mikhiqizo yezezimali nazo zonke izindlela zayo, kusuka ezikhwameni zemali engaguquki kuya kokuguqukayo, ngokusebenzisa enye indlela noma nokuphathwa kwemali. Lesi siphakamiso sicabanga ukuthi ubhalise izimali zokutshala imali ngamakhomishini aphansi kakhulu emakethe. Futhi ngomehluko omncane kakhulu maqondana nenzuzo amanye amamodeli aklanywe ezinye izinkampani zokuphatha angakunikeza yona.
Gwema ukushintshaniswa kwemali
Esinye isihluthulelo sokonga imali kule misebenzi sisekuthini uvikela ushintsho lwemali lapho uqasha izimali zakho zokutshala imali. Vele, ngaphandle kokuthi kudingekile ngokuphelele empumelelweni yokusebenza kwakho ezimakethe zezezimali. Ngalo mqondo, awukwazi ukukhohlwa ukuthi uzoba nakho ezinye izindleko ezingeziwe kusukela ekushintshaneni kwemali. Ngakolunye uhlangothi, ngokwesiko lesi sigaba semali yokutshala imali sinwebeka kakhulu ekusetshenzisweni kwamakhomishini abo. Ukufika ezingeni lokuthi ungaba nezindleko ezingadingekile nokuthi ungakugwema ngokumane ushintshe isu lakho.
Ngaphezu kwalokho, ukutshala imali kulezi zimali zokutshala imali kufanele ube ne- ukuqhubeka nokufunda ekusebenzeni kwabo futhi benengozi enkulu kuzo. Ngale ndlela, ungalahlekelwa yimali eningi uma wenza iphutha elikhulu noma ungakhethi isikhwama esifanele sokutshala imali isikhathi ngasinye. Kodwa-ke, kuwukusebenza okujwayelekile phakathi kwabatshalizimali abaningi abancane nabaphakathi ngakho-ke uma kungenzeka kufanele ukhawule lolu hlobo lokuhamba ngemali yakho. Phakathi kwezinye izizathu ngoba ungakhokha kakhulu kusuka manje.
Sula izimali
Ngakolunye uhlangothi, omunye umthombo wokonga kumakhomishini ngokusebenzisa iphothifoliyo yokutshala imali ehlukahlukene. Ukuze ngale ndlela, bakwazi ukuzivumelanisa nazo zonke izimo lokho kungavela ezimakethe zezezimali, ngisho nokubi kakhulu kunakho konke. Inhlanganisela enhle yezimali ezilinganayo nemali engenayo engaguquki ingaba yisixazululo ezinkingeni zakho, ngamakhomishini alungiswa kahle kulokho okulindelekile okufanele ukwenze imali yakho izuze.
Yize kufanele ukhokhe imali ethe xaxa ngamakhomishini alethwe abaphathi. Iseluleko esisebenziseka kakhulu ukuya kulabo abasezingeni eliphansi kakhulu lezindleko. Ungawaqhathanisa nokufika ezikhwameni ezihambisana kangcono namathuba akho emali. Akumangalisi ukuthi unethuba lokuthi kukhona ukunikezwa okuhle kuleli banga lemikhiqizo yezezimali.