Yini iminikelo yezimali ezixubekile?

kuxutshwe

Isendlalelo se- utshalomali Ungomunye wemikhiqizo yobuningi kakhulu ehambisana nomkhakha wotshalo-mali. Enye yazo yizimali okuthiwa zixubekile, ezingaba ngenye indlela ecacile kulesi simo esikhona ezimakethe zezimali. Okunye okunikelwe kakhulu kulo mkhiqizo wezezimali ukuthi uhlanganisa imali engenayo engaguquki nemali engenayo eguquguqukayo ngaphandle kokushintsha imodeli yokutshala imali. Kunoma ikuphi, kungenye yamathuba onawo njengamanje okwenza ukonga okunenzuzo ngempumelelo enkulu noma encane.

Ukuguquguquka kwayo kanye ne ukuvumelana nezimo yenza izimali ezixubekile esinye sezigaba ezinconywayo ezimakethe zanamuhla zemakethe. Lesi sigaba sezimali zokutshala imali asikho ngcono futhi asibi kakhulu kunamanye amafomethi, kepha ngokuphambene singaba ngaphezulu ifanele ukunyakaza okuthile zezimakethe zezimali. Ngaphandle kolunye uchungechunge lokucatshangelwa kwezobuchwepheshe futhi mhlawumbe kusuka endaweni yokubuka eyisisekelo. Kodwa-ke, ngaphakathi kwezimali ezixubekile kunezigaba eziningi zazo: ziyaguquguquka, zimbozwe i-euro, jikelele njll.

Ingenye yamamodeli akhethwe ngabahlaziyi bezezimali ngalesi sikhathi esinembile ukugcina indawo yokuzivikela kakhulu ezimakethe. Akumangalisi ukuthi bavame ukwenza kanjalo yehlisa isisindo sayo emalini ngakolunye uhlangothi, ubude besikhathi engxenyeni yemali engenayo bancishiswa ngenxa yobungozi bokunyuka kwamanani. Kepha noma kunjalo, hhayi kuzo zonke izimo ukuqashwa kwayo kuzuzisa kakhulu kubatshalizimali abancane nabaphakathi. Kufanele wazi ukuthi ungazifaka kanjani izikhundla zakho futhi ikakhulukazi umzuzu ofanele wokushiya nokufaka ezinye izinhlobo zokutshala imali.

Ukwakheka kwemali exubile

izimali

Izimali ezibizwa ngokuxubene zinokwakheka okwahlukahluka kakhulu kusukela ziqala kuzimpahla ezehlukene zezezimali. Imvamisa zenziwa yizimpahla ezivela, imali engenayo engaguquki neguquguqukayo. Kepha ngaphandle kokuyeka ezinye izindlela, ngokwesibonelo kwenzeka ngezimpahla zemali noma kumamodeli amasha sha ngotshalomali olwenziwe njengenye indlela. Ukuze ekugcineni ibhalansi ibe nkulu kakhulu kunamanye amamodeli ahlinzekwa yimali yokutshala imali.

Yini oyitholayo ngokusebenzisa leli su lokutshala imali eliyingqayizivele? Ngaphezu kwakho konke onokonga okuhlukahlukene kakhulu kunakuqala. Lesi sici senza ukuthi uvikeleke kakhulu ezimeni ezingafuneki ezimakethe zezezimali. Ikakhulukazi lapho ukungazinzi emakethe yamasheya kungumbonisi wabo ovamile futhi lokho kwenza izikhundla zemakethe zibe nzima kakhulu kuwo wonke amaphrofayili wabatshalizimali. Lesi ngesinye sezizathu eziyinhloko zokuthi kungani zilungele kakhulu izikhathi lapho izitayela zingachaziwe.

Ukulahlekelwa kulawulwa kakhulu

Esinye isici sezimali ezixubekile ukuthi, ngaphezu kwakho konke, ukulahleka kuvame ukulawulwa futhi kuvame abaxube abahle bephothifoliyo. Akumangalisi ukuthi abanikezeli imbuyiselo enhle kakhulu yezimali zotshalo-mali ngokuya ngamanani, kepha okungenani bavumela ukukalahleka okulinganiselwe lapho izimo zemakethe zingathandeki. Ngakolunye uhlangothi, lesi sigaba semikhiqizo yezezimali singaphathwa ngenkuthalo ngabaphathi ngenhloso yokwehlisa kakhulu izingozi. Ngaphezu kwamanye amasu ongawasebenzisa ngalesi sikhathi.

Vele, akuyona imodeli yokutshala imali entsha, kepha kunalokho, ibisebenza iminyaka eminingi. Kunoma ikuphi, kule minyaka yamuva lapho babambe iqhaza elikhulu khona. Phakathi kwezinye izizathu, ngoba kuyindlela elula yokuqoqa imali engenayo engaguquki nomholo oguqukayo. Ngaphandle kokwenza ukunyakaza ezimakethe ngoba kuyiphothifoliyo yokutshala imali ukuthi abalamuli bezezimali bakwakhele wena. Ungaphi khetha kumamodeli amaningi nangazo zonke izinhlobo zezingoma. Kuningi ongakukholwa kwasekuqaleni. Ekupheleni kosuku sikhuluma ngezimali zokutshala imali nokuthi lokho kusho ukuthini.

Ngokuhlukahluka ekutshalweni kwemali

utshalomali

Lesi ngesinye sezinhlelo zaso ezivame kakhulu ukubizwa. Kuze kube seqophelweni lokuthi izimali ezihlanganisiwe zilungile umphelelisi wezikhwama zethu zemali. Lokhu kungenxa yokuthi bavumela ukuthi ingxenye yotshalo-mali inikezwe amandla okuchayeka okukhulu noma okuncane kwizimali, izimali, njll. Noma uthathe izikhundla zamasu noma utshale imali ezingasisebenziseni kaningi isikhathi esiningi. Ngoba uma le mikhiqizo yezezimali ihlukaniswa okuthile, kungenxa yokwehlukaniswa okuphezulu onobuhle bazo abanabo. Kuyinto okufanele uyazi ukuthi uzoqasha yini enye yalezi zakhiwo kusukela manje kuqhubeke.

Ngakolunye uhlangothi, izimali ezixubekile zinenzuzo enkulu ezikhathini ezinde zokuphela, lapho imiphumela yalolu hlobo lwamaphothifoliyo ijwayele ukukhombisa ukuvumelana okuqinile. Ngisho ingeza inani ezikhundleni yezikhundla zokutshalwa kwezimali. Ngokungafani nezinye izinhlobo zezimali zokutshala imali ezikhawulelwe kakhulu, yize izinhloso zazo zichazwe kakhulu. Kulokhu, kunokuhlukahluka okuningi okunquma inzuzo yabo, yingakho behamba ngaphansi kwemikhawulo yenzuzo enesizotha kakhulu kunezimali zezimali. Yize iphakeme kunaleyo etholwe kumali engaguquki.

Izinhlobo ezahlukahlukene kuya ngeklayenti

amamodeli

Ngaphakathi kwabo, kutholakala izinketho ezahlukahlukene ngokusho kwephrofayili yomtshali-zimali nezidingo zakho. Yize ezimweni eziningi ziyindlela enhle kakhulu yezikhathi ezinjengezamanje. Lapho imakethe yamasheya ingenayo inkambiso echazwe kahle kakhulu kanye nezikhathi zokuguquguquka ezikhulayo okuyingozi kakhulu ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Futhi ngalesi sikhathi lapho izimali ezihlangene ezihlanganisiwe zingasebenza kakhulu. Ngaphezu kwalokho, ungakhetha amamodeli ahlukile ngokuya ngophawu lwakho lokutshala imali: olinganiselayo, olunolaka, oluphakathi noma okunye.

Ngakolunye uhlangothi, futhi njengakwezinye izimali zokutshala imali, kulezi ungakhetha phakathi kokuphatha okusebenzayo noma okwenziwa nje. Lokho, kwenzelwa ini ungazivuselela kancane kancane kuya ngezimo ezintsha zemakethe. Kodwa-ke, lesi sinqumo sizoncika ebungozini ongabuthatha kusukela manje kuqhubeke. Ngoba, ngokwesibonelo, lezo zokuphatha ezisebenzayo zisho ukuthi iphothifoliyo yakho yokutshala imali izohambisana kancane kancane nokuthi izimakethe zezezimali zihamba kanjani. Kuze kube seqophelweni lokuthi ungazuza ngisho nasezimeni ezimbi kakhulu ezimakethe zezimali.

Ngokuma okwengeziwe kokuzivikela

Kunento eyodwa okufanele ikucacele kusuka manje futhi lokho ukuthi lesi sigaba semali yokutshala imali sikulungele kakhulu zamukele ezinye izikhundla zokuzivikela Lokho kuze kube manje. Lokhu kusebenza kusekelwe eqinisweni lokuthi ngeke ube nokusebenza okunamandla kakhudlwana eminikelweni yakho yezomnotho. Ngenkathi wenze okuphambene nalokho, uzodlula imbuyiselo ebuthaka oyinikezwa yimikhiqizo yasebhange okwamanje (imali yesikhathi, amanothi ezethembiso zasebhange ngisho nama-akhawunti wemali ephezulu). Kuwo wonke lawa macala ihamba ngohlu oluncane kakhulu olusuka ku-0,25% luye ku-1,50%. Kungaba inzuzo enkulu kakhulu kuwe ukuqasha isikhwama salezi zici ukuhlangabezana nezinhloso zakho eziseduze kakhulu.

Kulesi simo esivamile, esinye isici okufanele usicabangele ezikhwameni ezixutshiwe ukuthi bangaba namakhomishini athe xaxa kuneminye imikhiqizo yezezimali. Njengesibonelo, ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya, izimali ezithengiswa ngokushintshaniswa noma imikhiqizo ehlukile ethathwe kokunye. Izipikili zivuliwe imali engafinyelela ku- 2% enhlokodolobha etshaliwe. Yize lezi zindleko zingagwenywa ngokwenziwa ngokusemthethweni kwezimali ezihlanganisiwe zokutshalwa kwezimali ezivela ezweni lonke. Akumangalisi ukuthi banamamaki wokungenelela angabizi kakhulu kuyo yonke imizi.

Esinye isici okufanele usazise nalesi sigaba semikhiqizo yezezimali ukuthi asikaze siqinisekise ukubuya okungaguquki njengezinye izimali zokutshala imali. Uma kungenjalo, kunalokho, konke kuzoya ngezimo zezimakethe zezimali. Ukuthi ungashiya ngisho nama-euro amaningi emgwaqeni, njengoba kwenzekile kule minyaka ngezimali ezithile zalezi zici. Ngoba yize inzuzo yayo ibiphezulu eminyakeni yamuva, lokhu akusho ukuthi kufanele iphindwe eminyakeni ezayo. Akuncane kangako ngoba kuyingozi esobala okufanele uyicabange lapho uqasha le mikhiqizo yokutshala imali.

Futhi ukuze uqede, yisho ukuthi izeluleko ezinhle njalo zingakusiza ukufeza izinhloso ezibekwe ekuqaleni. Ngeke kukubize ngalutho futhi kuzoba neminikelo eminingi le nsizakalo ezokwenzela yona kusukela manje. Ibhange lakho elijwayelekile uzoba nale nsizakalo lapho kungeke kusweleke iziphakamiso ukuze ukwazi ukutshala imali yakho ezinsukwini ezizayo. Futhi ngale ndlela, ungahlanganisa imali engenayo engaguquki nemali engenayo eguquguqukayo. Okungukuthi, ngemuva kwakho konke, ngabe imayelana nani.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.