Esinye sezihluthulelo eziphumelela kakhulu ekusetshenzisweni kokutshalwa kwezimali kuxhomeke ekwenzeni ujikelezo olulungile kwizokuphepha ezakha iphothifoliyo yethu yokutshala imali emakethe yamasheya. Lokhu akufanele neze kumile, kepha kunalokho, kufanele kubuswe ngaphansi kukhulu ukuguquguquka emisebenzini eyenziwayo. Ukungeza nokususa amanani kwiphothifoliyo, njengoba amabhange enza ngamaphothifoliyo awo oyisibonelo. Ngale ndlela, ungasebenzisa leli su ukwenza ngcono isimo sezimpahla zakho.
Njengoba uzokwazi kahle ukuthi ungumtshalizimali, amanani esitokwe angaphansi kwamathrendi ahlukene unyaka wonke ngakho-ke kufanele uncike kulabo abakhombisa isici sobuchwepheshe esihle kakhulu ngaso sonke isikhathi. Lesi senzo sidinga izinga eliphakeme lokuqapha kuzo ukuze kuvuselelwe iphothifoliyo yokutshala imali ngokuya ngesimo sayo sohlu samanje. Lokhu kusebenza kufanele kwenziwe ngezikhathi ezithile nokuthi kuzoya ngephrofayili oyivezayo njengomtshali-zimali omncane naphakathi: onolaka, ophakathi nendawo noma olondolozayo.
Uma wenza lokhu kuhamba, uzobe ungatholi inzuzo engcono kuphela ekusebenzeni kwakho, kepha futhi uzokwazi ukuba sethubeni lokusebenzisa amathuba amahle kakhulu ebhizinisi akhiqizwa ezimakethe zezimali. Ukushintshanisa izikhundla emakethe yamasheya ngakolunye uhlangothi futhi isu elilungile loku gwema izimo ezingafuneki kakhulu ngabatshalizimali. Lokho wukuthi, ukugwema ukulahleka okukhulu kwemali ekuhambeni okwenziwe.
Iphothifoliyo yotshalomali: yivuselele
Ngokuvamile, kunconywa njalo ukuthi wenze le nhlangano, okungenani kanye ngonyaka. Kuzokusiza ukuthi ususe amanani anezinkinga kakhulu ukuwafaka amanye anamandla amakhulu okwazisa eminyakeni embalwa ezayo. Kuyisu elilula kakhulu elingeke kuzodinga ulwazi olwengeziwe yalezo onazo njengamanje. Ngaphandle nje kokuthi ngeke ube nokhetho ngaphandle kokwazi kakhulu ukuvela kwezimakethe zezimali futhi ikakhulukazi ngamanani wazo.
Ngakolunye uhlangothi, kuzodinga ukuzinikezela nsuku zonke ukukhombisa ukuthi yini i- amanani azuze kakhulu futhi alimaza kakhulu yesimo sezomnotho samanje. Ukuze ngale ndlela, ukwazi ukumisa ukulahleka okungenzeka kwenziwe kuphothifoliyo yakho yamanje yokutshala imali. Ngale ndlela, akukho okubi kakhulu kunokuma ndawonye unyaka nonyaka ngoba ngesikhathi esithile uzobona ukuthi wenze iphutha elibi kakhulu elingakubiza kakhulu. Kufanele uzwele kakhulu kulezi zinhlobo zezenzo ezimakethe zezimali. Ungakhohlwa nganoma iyiphi indlela.
Izinzuzo zalo msebenzi wemakethe yamasheya
Ngakolunye uhlangothi, kubaluleke kakhulu ukuthi ubheke kulezi zikhathi ze- a ukujikeleza okulungile iphothifoliyo yakho yamanje yokutshala imali ingakusiza kakhulu ukufeza izinhloso zakho zokuqala. Okungukuthi, ngecebo elilula njengokuyeka amanani amabi kakhulu onawo emakethe yamasheya, okungukuthi, lawo akhiqiza imbuyiselo ephansi, lapho akhombise khona isikhundla esihle ngokwengeziwe. Ngaleli qhinga lokutshala imali umehluko ungabonakala kakhulu kuzo zonke izindlela zokubuka. Ngokukhulisa imali yakho ngamaphoyinti amaningana wamaphesenti.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi umehluko phakathi kwamanani amahle kakhulu namabi kakhulu wezimali ungafinyelela ukwehluka okungaphezu kwama-50% ngisho kwezinye izimo ngaphansi kwamaphesenti aphezulu. Lesi isivivinyo salokho ongakufinyelela kusukela manje nokuthi kunoma yikuphi kuzokufanele. Akumangalisi ukuthi lokhu kungukusebenza okuzokubiza imali encane kakhulu futhi okuzomelwa amakhomishini wokuthenga nokuthengisa amasheya emakethe yamasheya. Bangakwazi ukufinyelela isilinganiso esiphakathi kuka-0,10% no-0,20% kunani elitshaliwe futhi kuya ngebhange lapho wenze khona lo msebenzi.
Kufanele uyivuselele nini iphothifoliyo?
Imfuneko yokuqala yokusebenzisa le nhlangano ukuvuselela iphothifoliyo yakho yokutshala imali ngezikhathi ezithile. Yini ipharamitha okufanele uyikhethe? Kahle ngalo mqondo ayikho imithetho ehleliwe, kepha kunalokho kuzoncika ezicini ezimbili ezihambisanayo ezicacile. Ngakolunye uhlangothi, iphrofayili oyivezayo njengomtshali-zimali omncane naphakathi, futhi ngakolunye uhlangothi, imibandela eyethulwe izimakethe zezezimali ngaleso sikhathi esiqondile. Ukuze ngale ndlela, ungekho esimweni sokunciphisa kuphela ubungozi bokusebenza, kepha futhi nokwenza iphothifoliyo yokutshala imali yabatshali zimali ngamunye inenzuzo ngamandla amakhulu.
Kubalulekile futhi ukuqaphela lokho awudingi ukuvuselela noma ushintshe wonke amanani, uma kungenjalo kuphela labo abasebenza kabi kakhulu ezimakethe zezimali. Ngoba empeleni, kuyalulekwa impela ukuthi wenze le nqubo ngendlela elinganiselayo, ngaphandle kokunyakaza okunodlame okungasongela umuzwa weqiniso wokutshalwa kwemali. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe futhi mhlawumbe ngisho nasendaweni yokubuka eyisisekelo. Ngalo mqondo, kufanele ngaphambili uhlaziye zonke izinguquko ofuna ukuzenza kusuka kulowo mzuzu. Ungayikhohlwa ukuze ungathathi isimanga esingeke sikulinde kunoma iyiphi indawo yokubuka.
Yiziphi izimpahla okufanele zikhonjwe
Kusukela ngomzuzu wokuqala okufanele uhlele ukuthi yiliphi isu lokutshala imali ozimisele ukulisebenzisa. Inqobo nje uma ungacaciswanga kahle ngalokhu, ngeke ukwazi ukwenza ushintsho lwephothifoliyo ngendlela ephumelelayo futhi elinganiselayo. Uma kwenzeka ukuthi unephrofayili yotshalomali onolaka, izinto zakho kufanele ziqondiswe emakethe yamasheya zibheke ezokuphepha, imikhakha noma izinkomba zamasheya ukuqagela okukhulu ekukhuleni kwayo. Yize zingafani ezifanayo ezingadala ubungozi obukhulu ekuthatheni izikhundla. Lokho wukuthi, amandla abo okubuyekezwa ahlala ephakeme njalo, kepha ngasikhathi sinye bangakhuphula ukwehla okukhulu ekulinganisweni kwabo uma isimo lapho behamba khona singesona esingcono kakhulu salabo abafiselekayo.
Ngakolunye uhlangothi, ungakhohlwa ukuthi uma ukhetha leli su elikhetheke kakhulu kufanele ube phezulu ekuziphendukeleni kwalo. Phakathi kwezinye izizathu ngoba kungahle kufike isikhathi lapho ungenakho ukukhetha ngaphandle kokuthi vala izikhundla. Kungenxa yokuthi uhlangabezane nezinhloso zakho noma ngoba nje ukuvela kwayo bekungalindelekile kuwe futhi ulahlekelwa yimali ngezikhundla ezivulekile kumafa wezezimali ashiwo ngenhla. Ngaphandle kokungabaza, isu eliyinkimbinkimbi kakhulu ukwedlula lonke futhi elizodinga ukunakwa okuningi kusuka engxenyeni yakho kusukela manje kuqhubeke.
Zivikele ezimeni ezimbi
Esinye isimo esingavela ngalesi sikhathi ukuthi ufuna ukunikeza ukuvikela okuthe xaxa noma okulondolozayo ekutshalweni kwakho. Ukuze ukwenze, kuzofanele ukhethe ukufaka kwizibambiso zakho ezilandelayo zokutshala imali izikhwama ezizinzile ngokwengeziwe futhi kunjalo ukuzivikela. Ngalo mqondo, isenzo sakho kufanele sidlule ngokukhetha amanani okuthiwa ophephelo. Yilezo ezibonisa ukusebenza okungcono kunemakethe ejwayelekile ezimweni ezingezinhle zamasheya. Phakathi kokunye, ungakhetha izinkampani emkhakheni kagesi, onguthelawayeka nomkhakha wokudla. Ngaphandle kokungabaza, yibo abenza konke okusemandleni kulolu hlobo lwesimo esikuphakamisa lona kulolu lwazi.
Ngakolunye uhlangothi, luchungechunge lwamagugu aqondana nalokho abakusabalalisa phakathi kwabaninimasheya abanakho nge inzuzo ephezulu yesivuno lokho kugudla ngamamajini aphakathi kuka-4% no-7%. Ngale ndlela, imali engenayo engaguquki ingenziwa ngaphakathi kokuguqukayo ngokukhokha okungaguquki nokuqinisekisiwe minyaka yonke. Into ethakazelisa kakhulu ukubhekana nezikhathi zokungazinzi okukhulu kwezimakethe zezimali. Ngaphezulu kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe ngisho nasendaweni yokubuka eyisisekelo.
Yidlulisele kweminye imikhiqizo
Ekugcineni, kuhlala kunenketho yokukhetha eminye imikhiqizo yezezimali ethuthukisa inzuzo noma, uma yehluleka lokho, inikeze ukuphepha okwengeziwe, ngokuya ngezimo ezingavela kusukela manje. Kusukela ohlangothini lokugcina lwamasu, ushintsho lwephothifoliyo lungaqondiswa ku- Imali yasebhange apothayi noma onobuhle bemali. Ngenkathi wenze okuphambene nalokho, uma ufuna ukuhlukumezeka okukhulu kutshalo-mali, inketho ingamelwa yizimali zokutshala imali noma ngamafomethi amasha wokutshala imali. Kuncike ekukhuphukeni ofuna ukukutshala.
Kuleli qembu lokugcina, izingozi zikhulu kakhulu kunakwamanye amafomethi, kodwa ngenzuzo yokuthi zinamathuba amakhulu okwenza ukonga kube nenzuzo. Zenzelwe imigomo emifushane kunaleyo yonke futhi ezinye zazo zibonakala ngamazinga aphezulu wokuziphilisa nokuzenza zibe yingozi kakhulu kuzintshisekelo zabatshalizimali abaningi abancane nabaphakathi. Ngenxa yezici ezikhethekile ezilethwa yileli banga lomsebenzi ezimakethe zezimali nokuthi hhayi wonke umuntu uyazi ukuthi angasebenza kanjani nalezi zinhlobo.