Lapho utshala imali emakethe yamasheya, kunamanani entengo ehlukene, amanye eba nzima kubatshalizimali. ILos Chicharros yilabo abanezinga eliphansi lokwenza imali, imali ephansi kanye nokuqagela okusobala.
Zingathathwa njengesiqeshana ngaphakathi kwemakethe yamasheya, ezinokucaciswa okucacile okubenza bangabonakali ngabasindisi.
Kwabanye ithuba, yize kuyingozi ngokweqile nokuntuleka kwengqondo kwabanye.
Charm for speculators and in general a phenomenon with amathuba okuba kube nenkulumompikiswano ezimweni ezithile, yize iningi lochwepheshe linemibono efanayo.
Kungaba yinkimbinkimbi ukwenza imisebenzi ngophizi, ngoba ingozi ebekiwe iphezulu. Noma kunjalo, kukhona abatshalizimali abathanda ukuhamba kuleli zinga, beheha kubo.
Ukukwazi ukukhuphuka kakhulu futhi kudlule kusuka esandleni kuya kwesinye ngenxa yokungazinzi kwentengo abangakuthola ngesikhathi esifushane; Uma zigcina seziphethwe yithi futhi zingathengiswa ngesikhathi esifanele, noma uma inani lazo lehla kakhulu, umonakalo ungaba mkhulu.
Kunemibono nezimpikiswano eziphikisanayo, kepha kuvuna ngokulinganayo ingxenye yabagxeki maqondana nalezi zimiso, ezisusa impikiswano.
Sizobuyekeza kule ndatshana yezici nezinye izinto ezithokozisayo zalo mcimbi emakethe yamasheya.
AmaChicharros eMakethe Yesitoko - Incazelo
Bangamagugu anethuba lokukhonjwa kalula. Izinkampani ezincane ezifakwe ohlwini lwezimakethe zamasheya, ezinamanani aphansi okukhokhwa imali kangangoba ziyizisulu zabalamuli bezezimali kanye nabaqageli abazoba nomthelela omkhulu ekucolelweni kwabo ngentengo.
Yingakho nje ukuvela kwayo kunodlame kulezi zimakethe. Ukuguquguquka kwentengo yayo kumakwe ngaphezu kokujwayelekile, ukukwazi ukuvuselela u-15%, kepha kusalokhu kwehla ngendlela ebabazekayo ngisho nangaphezulu kwaleli phesenti.
Kungukuphepha izinga likanhlokodolobha liphansi kakhulu futhi lifaka ubungozi obukhulu. Babhekana nokushintshashintsha okuphezulu kakhulu emananini abo ngakho-ke bazoba yinto yokuqagela, kulula ukuyisebenzisa.
Yizinkampani ezincane noma eziphakathi nendawo okuthi, ngenxa yokuxoxisana okuncane, zivame ukuhlupheka ngokushintshashintsha kwezimakethe zamasheya, ezinye ziba nohambo olunzima eStock Market ngenxa yokuthi zincane futhi zihlobene nemikhakha emisha enamandla amakhulu okukhula. Futhi okweqa izimo zokumiswa kokukhokha noma ukwenza ngcono isitatimende sakho semali engenayo. Ukwanda okuhle kokulindelwe ngumhlaziyi nakho kunomthelela kuleli qiniso.
Luhlobo lomsebenzi esingaluchaza njengonganconyiwe kubatshalizimali abalondolozayo, kepha kulabo abanamaphrofayli anolaka.
Kubhekiswa kuye ngokweyisa njengechicharros, ngokufaniswa nenhlanzi eshibhile, esezingeni eliphansi ebizwa ngaleli gama. Izinkampani ezivame ukufanele leli gama, zibandakanyeka ezinkingeni zezomnotho eziqhubekayo ezenza ama-akhawunti azo angazinzi, zibonakale kumanani entengo yazo.
Inkampani enkulu enebhizinisi elisezingeni eliphansi ngeke ibhekwe njenge-pea, futhi inkampani encane enebhizinisi elinenzuzo ngeke nayo ibe njalo.
Lezi zinhlobo zokuvikeleka zingakhuphuka ngokubabazekayo futhi zande intengo yazo kakhulu ngesikhathi esifushane. Kungenzeka futhi ukuthi bawa isikhathi eside njengamashumi eminyaka.
Kungenzeka ukuthi ube ku-pea izinyanga ezimbalwa bese uthola ukuyiphindaphinda imali izikhathi eziyishumi, kepha ungahlala kuyo iminyaka engama-10 bese ulahlekelwa yimali kakhulu.
Kuyinto engenzeka noma ithuba lokuphumelela ekuzuzeni izinzuzo ezingavamile ngezikhathi ezimbalwa, okuheha abaningi.
Isenzo esinengqondo kunazo zonke kungenzeka ukugwema isilingo. Kungenzeka ukuthi ushaya imali, abaningi bathi, kodwa kungenzeka kakhulu ukuthi kulahleke imali eningi emizameni elandelayo eyehlulekile.
Kuphakanyiswa ukuthi noma ezimweni lapho amanani angakhuphuka kakhulu, kunzima ukuwina, ngoba bangawa ngokushesha okukhulu noma ngaphezulu kunalokho abakhuphuke; okudala ukuthi abatshalizimali abathenga phansi bababone bekhuphuka bengathengisanga, ngethemba lokuthi bazoqhubeka nokwenza kanjalo, bavele bahlasele ngokungazelelwe iqiniso lokuthi baphinde baba ngenani abalithengile, hhayi njalo ngaphansi.
Abaningi bacabanga ukuthi into ehlakaniphile kunazo zonke ongayenza ukuhlala kude nophizi bese uwagwema.
I-Chicharrillos
Kubhekwe njengesahluko sikaphizi, banengozi engagunci ekhuliswa kakhulu. Bangathathwa ngokuthi "bangamanzi" amancane kakhulu, ngisho nokuyeka ukuhweba, okuyingozi kakhulu kubatshalizimali.
Ziyashintshashintsha ngaphezu kukaphizi uqobo. Ezinyangeni ezimbalwa bayakwazi ukuphindaphinda imali yabo emakethe nge-10 noma nge-15. Kukho konke lokhu, kuvame ukuphathwa ngabatshalizimali abanolaka olunamandla noma abalinde intuthuko yemakethe ngokuqhubekayo.
Inkampani ephethwe kabi akuyona iChicharro ngaso sonke isikhathi
Kunezinkampani ezincane zokwenza imali futhi azithathwa njengepea. Bangatholakala njengebhizinisi elinenzuzo kuze kube seqophelweni lokuthi labo abatshala imali kubo bangakwazi ukwenza utshalomali olulula, ikakhulukazi uma bezokhula noma bumbozwe yinkampani ephezulu ngokuzayo.
Yize ama-chicharros eyizinkampani ezincane zokwenza imali, kuseseyizinkampani ezingalawulwa kahle ezinezinkinga ezinkulu zomnotho.
Ngenxa yokuthi inkampani iphethwe kabi, lokhu ngeke kuyenze ipea. Uma inemali enkulu yemakethe ephezulu, ngeke ibhekwe njengokuvikela okunjalo.
Kuyadingeka ukuthi zombili izici noma izimo zihlangane. Okungukuthi, yiba khona osonhlamvukazi abaphansi futhi ube izinkinga ezinkulu zezomnotho.
Ukukhomba izici
Ngendlela efingqiwe nakuhlanganiso, sichaza imininingwane yezici ezizosiza ukukhomba lolu hlobo lwenani.
- Zizoba izinkampani ezincane, imvamisa zinokuhamba okuncane.
- Ukwehluka kwamanani abo kukhulu kakhulu.
- Banemali emikhulu ephansi, futhi imali yabo etholakalayo ingaphansi kunezinye izibambiso ezibhalwe Emakethe Eqhubekayo.
- Izinkampani ekunciphiseni komnotho zingabhekwa ngaphakathi kwalesi sigaba.
- Ukuguquguquka kwayo kunehaba, ngenani lentengo ephezulu ngenxa yevolumu yalo yokuhweba ephansi.
- Intengo yayo ingahamba ngokushayisana kusuka ku-10 - 15%.
- Amanani anokuzungezisa okuncane futhi anciphile.
- Abazinkampani ezinezimo ezibucayi zezezimali.
Ilungele ukutshala imali noma ukuqagela?
Kungaba inzuzo ukuqagela ngophizi, yize kunganconyiwe. Ezimweni zalezo zindlu zotshalo-mali ezingahambisa la manani ngamanani amancane emali, kungaba kuncane kakhulu kunalokho.
Lawa ngamanani anokusetshenziswa kalula. Futhi lo mbuzo ungaphawulwa njengenye yezimpawu zabo zokukhomba. Ngama-oda nemali embalwa, kungenzeka ukuthi kususwe ikhwithi.
Kuyashiwo ukuthi lawa manani awakulungele ngempela ukutshala imali, kunalokho alungele ukuqagela futhi lokhu uma umtshali-zimali enolwazi olwanele lokubona imikhawulo yenzuzo nokulahlekelwa kwakhe.
Abatshalizimali Abangenalwazi Babanjiwe
Umtshali-zimali onolwazi ozinikele ekuqageleni ngophizi uzohlala ekhumbula ukuthi "namuhla" umsebenzi othile ungaba nenzuzo enkulu; kodwa lokho "kusasa" konke kungalahleka.
Abatshalizimali abaningi abanolwazi oluncane bazozithola bebhajwe ekulahlekelweni njengoba behehwa izithembiso zenzuzo esheshayo.. Ngokuvamile bagxila ezinzuzweni ezingaba khona futhi abacabangi ngokwanele ngokulahlekelwa abangakuthola.
Ake sicabange inkampani okuthi ngesikhathi esithile ihweba ngama-0.04 euros. Uma intengo ibuyela kuma-euro ayi-0.08, sizobe siphinda kabili ukubheja, sikwazi ukucabanga ukuthi ngamasenti amane kuphela ngaphandle kokuhambisana okuningi. Njengoba kunzima ukubeka ukulahleka kokuma ngamanani aphansi kangako, abatshalizimali abangenalo ulwazi olwanele noma ulwazi bayayeka ukumisa lolu hlobo.
Ngokubanjwa ekulahlekelweni, ngeke kusaba umsebenzi wokuqagela kukodwa futhi kuzoba utshalomali lwesikhathi eside.
Iphutha liqala ukuphindaphindeka ngokwandayo, ngoba lawa manani angawa iminyaka lapho efaka ukulahleka okunamandla kanjena, abengeke aze abuyise inani lawo langempela.
Kwabaningi, ukuqagela ngophizi kufana nokudlala ilotho, ngisho nangaphezu kwesenzo sokuqagela uqobo.
Ama-chicharros amanani lapho abatshalizimali abanolaka bejabule khona, hhayi kanjalo abagcini bemvelo abazoncika kakhulu kulolu hlobo lotshalo-mali ngenxa yokungavikeleki okukhona, bazi ukuthi bangaba nokulahlekelwa okuphawulekayo ngezikhathi ezimbalwa zokuhweba.
Abatshalizimali abanolwazi kakhulu yilabo abangakwazi ukusizakala ngalolu hlobo lwezibambiso, yize kubalulekile ukwenza kucace ukuthi kungumsebenzi onobungozi.
Kuyadingeka ukuthi uthenge futhi uthengise ngokushesha ngesikhathi lapho kuba khona ukuthambekela okuphezulu, ngaphandle kwalokho kuzodingeka ugcine inani elingeke likufanele lokho okukhokhele.
Uma uphizi uphathwa ngendlela engafanele, ungaba yincithakalo yangempela, yize kuzo zonke izingozi, amathuba okuphumelela ayohlala ekhona.
Uma inkampani inyuka ngokuma phezulu bese yehla ngesilinganiso esifanayo, ize iyeke ukufakwa ohlwini, kungenzeka kanjani lokho; uma kunjalo, kungenzeka ukuthi uhlale ubhajwe enanini kuze kube yilapho inkampani iqhubeka ngezinyathelo ezanele nezinqumo zokuphinde zinikeze amandla noma ukuthengisa umuntu wesithathu.
Yize uphizi ungabuye ubuyekeze ngamandla, noma ngabe kunamathuba amakhulu okuthola izinzuzo kune "Blue Chips", akungabazeki ukuthi kuzoba ngumdlalo oyingozi.