Injongo yokuqala yabatyali mali abancinci nabaphakathi ukufezekisa inzuzo ephezulu ekusebenzeni kwiimarike zezabelo ngokukhethekileyo. Okuzuzayo kwimali eyinkunzi abayiphumezayo, kubangcono kuthi kwaye nangona ezi njongo, zifunwa ngabo bonke abathengisi, azisoloko zifezekiswa. Ukusuka kule meko kwihlabathi lotyalo-mali, lixesha lokuba uqwalasele ukuba zeziphi iiasethi zemali ezinokuvelisa ezona ziphumo zibalaseleyo kula maxesha achanekileyo.
Kuzo zonke iimeko, imalunga nokusebenzisa iiasethi zemali ezinokuqhubeka ngakumbi ekubumbeni amaxabiso azo. Nokuba ku asiyi kuba naluphi na uhlobo lweziqinisekiso kwinzuzo esinokuyifumana kwimisebenzi nganye. Ezi ziintshukumo ezijolise kwiprofayili echazwe kakuhle kakhulu yabatyali mali abancinci nabaphakathi: umsebenzisi onoburharha ofuna ukwenza imali yabo ibe nenzuzo ngexesha elifutshane kakhulu. Nangona ngexabiso lokuthatha umngcipheko ongaphezulu kokuyimfuneko ukujongana nolu hlobo lwemisebenzi ekhethekileyo.
Ngaphakathi kolu khetho lokutyala imali, akunakubakho ukusilela kweeasethi zemali ezikwifashoni kwiinyanga ezidlulileyo, ezinje ngezinye iintsimbi ezixabisekileyo, iimveliso okanye iimali ezibonakalayo. Ukuze ngale ndlela iminyaka embalwa elandelayo ibe ngcono xa ujongene nomvuzo osweleyo weemveliso eziphambili zebhanki: iidipozithi zexesha elimiselweyo, ityala elizimeleyo okanye iiakhawunti ezinengeniso ephezulu. Ekupheleni kosuku, yintoni malunga nokunyusa ibhalansi yeakhawunti yokonga ukusukela ngoku.
Izinto zomngcipheko: ioyile
Kwindawo yokuqala, utyalomali kwigolide emnyama akufuneki lusilele kuba yenye yeasethi yezemali enokusinika olona lonwabo kwezi nyanga zizayo. Nangona usazi ngalo lonke ixesha ukuba lutyalo-mali olutshintshatshintshayo kwaye lubonisa umohluko omkhulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi. Kodwa inokuhlawula ukuba ukuqonda okubonelelwa ngabahlalutyi beemarike zezemali kuyafezekiswa. Okwangoku amaxabiso abo ahamba kuluhlu oluya ukusuka kuma-55 ukuya kuma-70 eerandi. Kodwa ayinakukhutshelwa ngaphandle ukuba inokudlula ngokukhawuleza isithintelo esibalulekileyo kwi-75 yedola.
Izicwangciso ezibini ezilinganayo ezinokusetyenziselwa ukutyala imali kule asethi ibalulekileyo yezemali. Kwelinye icala, ukuthatha isikhundla kule nto ikrwada kwiimarike zezemali, nangona oku kungayi kubakho khetho ngaphandle kokuya kwiimarike ze-Anglo-Saxon, ezinje ngeNgesi okanye eMntla Melika. Ngelixa kwelinye icala, kuhlala kukho ubutyebi bokukhetha ezinye zeenkampani zeoyile ezidweliswe kwimarike yemasheya. Kwiimarike zokulingana zikazwelonke isisombululo sijikela Repsol. Okwangoku kuthengiswa kwii-euro ezingama-12 ngesabelo ngasinye, kodwa yenye yezokhuseleko ze-Ibex 35 ezinamandla amakhulu okuhlaziya. Ngendlela efikelela kwi-15 okanye i-16 yee-euro ngaphandle kokuhamba kancinci kwindalo yeoyile.
Ukongeza, asinakulibala ukuba kula maxesha achanekileyo kukhuseleko olunikezela ngesona sivuno siphezulu kwisabelo ngasinye kwi-Ibex 35. Ngembuyekezo yokonga kufutshane kakhulu ne-7% kwaye oko kubonakala kwiintlawulo ezimbini zonyaka eziqinisekisiweyo. Olu lolunye ukhuthazo olongezelelekileyo lokuthatha isikhundla kukhuseleko lwezi mpawu zibonelela ngethemba elihle kwixabiso lazo. Ngokucuthwa okunengqiqo okuya kwenziwa kwiiveki ezizayo okanye kwiinyanga ezizayo.
Iimali ezikhoyo: umngcipheko uphezulu
Ukuba kukho iiasethi eziyimali ezinxulunyaniswe nemisebenzi eyingozi, ngokungathandabuzekiyo nayiphi na imali ebonakalayo. Yaziwa ngcono ngokuba zii-cryptocurrensets kwaye ibonakalisiwe kuba unokwenza intywenka enkulu ngexesha elifutshane kakhulu. Kodwa akukho mathandabuzo ukuba umngcipheko ekusebenzeni kwakho uye kumda ukusukela oko utshintsho lwakho lwemihla ngemihla lunokufikelela Imida ukuya kuma-50% okanye nangakumbi ngamandla. Ngesi sizathu, ukusebenza kwayo akukhuthazwa kuzo zonke iiprofayili zabatyali mali abancinci nabaphakathi. Ukuba akunjalo, ngokuchaseneyo, zisemthethweni ekuphuhliseni iintshukumo zokuqikelela.
Ngaphakathi kulo mxholo ngokubanzi kwiimali ezibonakalayo, kufanele kuqatshelwe ukuba imisebenzi yabo kufuneka ihambe ngamaxesha amafutshane okusisigxina, kwiintsuku nje ezimbalwa okanye iiveki. Ukuthintela iimeko ezingafunekiyo ngabatyali mali abancinci nabaphakathi. Ngengqiqo yokuba phantse lonke utyalomali lunokushiyeka endleleni. Ngenxa yakho, kuya kufuneka ukuba ukhethe izindululo ezininzi kweli candelo. Kuyinyani ukuba i-cryptocurrency eyaziwayo yeyona Bitcoin, okubi kakhulu kukho nabanye abaninzi njengakwimeko yokudlala. Ukuba ufuna iimvakalelo ezinamandla oku ngaphandle kwamathandabuzo kukhetho lwakho lotyalo-mali olulolunye.
Iimarike ezikhulayo
Olu lolunye ukhetho ekufuneka ulubeke emngciphekweni kwiimarike ze-equity kuba banokhuseleko olunamandla amakhulu okukhula. Baye bashiye ngasemva kwezinye iimarike eziqhelekileyo kwaye kungekudala okanye kamva baya kunyuka ngamaxabiso abo. Ngayiphi na imeko, inye into eqinisekileyo kwaye oko kukuba ukonyuka kwabo kuya kuba ngokuthe nkqo ngakumbi kunoko kuqhele ukwenziwa ziimarike zezemali kwindalo esingqongileyo. Okwangoku zikho iimarike ezininzi ezihlumayo ezikalwe kakhulu ngabahlalutyi bezemali. Phakathi kwazo zonke kume iingxowa ze Indiya, iBrazil ukuya kuthi ga kwinqanaba elithile iRussia. Ayizukuthatha ixesha elide ukuba ezi marike ze-equity ziqhume ngokwembuyekezo abanokuthi bayinike abatyali mali.
Ngelixa kwelinye icala, olu tyalomali akufuneki lwenziwe phantsi kwemali iyonke ekhoyo. Ukuba akunjalo, ngokuchaseneyo, kuya kuba kuphela nikela ubuncinci benxalenye ngenjongo yokugcina ilifa lethu lobuqu okanye losapho. Okanye, ukusilela oko, njengotyalo-mali olongezelelekileyo kweyona nto iphambili eya kudluliselwa kwiimarike zesiko. Kule meko yemicimbi, ayikhangeleki ingaqhelekanga ukuba sibuyisela izinto zethu kwakhona kwiimarike ezisakhulayo yakuba inzuzo iye yoma koovimba baseNtshona. Nangona ikwixabiso lokuthatha umngcipheko omkhulu ekusebenzeni, kodwa le yinto ekufuneka siyenzile kwasekuqaleni.
Amaxabiso agciniweyo kwimarike yemasheya
Olu luvo oluhle kakhulu ukuba ufuna ukuhambisa otyalo-mali lwexesha eliphakathi nelide. Oko kukuthi, thatha ithuba lokuwa okwenzekileyo ehlotyeni ukuthatha isikhundla kwisicwangciso sobundlongondlongo ngakumbi kunangaphambili. Akumangalisi ukuba sizakufumana amaxabiso abonisa kakhulu ukuvula izikhundla ukusukela ngoku. Kwaye banokubaluleka okungaphezulu kokuphononongwa, kwezinye iimeko ngaphezulu kwe-20%. Ipesenti ephezulu kakhulu kunaleyo ibonelelwa zezinye ii-asethi eziyimali ezibaluleke ngokukodwa kwaye ezinokufezekiswa ngaphandle komzamo ogqithileyo ukuba akukho ukuwa kwiimarike zezabelo kwiinyanga ezizayo.
Njengento engeyiyo, kukho inyani yokuba icandelo elilungileyo lala maxabiso esitokhwe ane- inkangeleko yobuchwephesha ewohlokileyo njengesiphumo sokophula ezinye zenkxaso ezibaluleke kakhulu ababenazo phambi kwabo. Nokuba kwezinye iimeko, zikwimeko yokuwa simahla eyona nto imbi kunazo zonke kutyalo-mali kwimarike yemasheya. Phakathi kwezinye izizathu kuba abasenazo inkxaso ezingaphantsi kwexabiso langoku. Ngale ndlela, kuya kuba yimfuneko ukusebenza ngononophelo olukhulu kuba banokusinika ngaphezulu kwesoyikiso elinye ukusukela ngoku. Ngokukodwa, kuba amanani ayo kuhlalutyo lobuchwephesha awanamdla wokuphucula ukusebenza ubuncinci kwixesha elifutshane.
Amatyala kumazwe aseAsia
Kwelinye icala, kukwakho nethuba lokukhetha ingeniso emiselweyo yamazwe aseAsia anokuthi asinike amathuba oshishino ekonakaleni kwetyala lemveli. Ngale ndlela, unokukhetha iimali ezizinzileyo zotyalo-mali ezidibanisa olu tyalo-mali nezinye iiasethi zemali njengefomula yokwahlulahlula ukugcina ngendlela enempumelelo ngakumbi. Ayothusi into yokuba ziiasethi ezinendlela ethe xhaxhe ukuya phezulu kodwa kwindleko yokoyisa umngcipheko wale misebenzi ikhethekileyo. Ngale ndlela, uninzi lweenkampani zolawulo lwamanye amazwe zibonelela abathengi bazo ngezi mpawu.
Kuzo naziphi na iimeko, ityala lala mazwe linendlela ende yokuvelisa inzuzo kunokuba, umzekelo, ovela kwilizwekazi elidala. Kule meko, unokwenza ngokusesikweni ingxowa-mali ebonelela ngezi mpawu ngesixa esincinci. Kwelinye icala, ayinakulityalwa ukuba olu didi lweemveliso zemali lubonisa iikhomishini kunye nenkcitho kulawulo lwazo okanye ulondolozo olongezelelekileyo.
Njengoko sele ubonile, okwangoku unezindululo ezaneleyo zokwenza ulondolozo lube nenzuzo ngokukhula okunokubakho. Kodwa ngemfuneko ebalulekileyo yokuba kufuneka wandise umngcipheko ekusebenzeni, nangona uhlala phantsi kwemida efanelekileyo ngokuxhomekeke kwiimfuno zakho kwicandelo lotyalo-mali okanye imeko yokwenyani yeeakhawunti zakho.