Sineentsuku nje ezimbalwa ukuqala unyaka omtsha wentengiso yesitokhwe kwaye inyani kukuba ayizukuba ngumsebenzi wokulungiselela umdla wabatyali mali abancinci nabaphakathi. Phakathi kwezinye izizathu zokuba kutheni izakuba lixesha apho i nyusa inzala kummandla. Isigqibo semali ngokungathandabuzekiyo asiyi kuhlala kakuhle kubatyali mali kwiimarike zezabelo. Ukuya kwinqanaba lokuba izilungiso ezibalulekileyo zingenziwa kwimarike yemasheya ngeli xesha kwenziwa le nto ibalulekileyo.
Kwelinye icala, asinakulibala ukuba ii-equities azikaze zibe namava a kunqunyulwa amaxabiso okuqina okhethekileyo. Kwaye kukho umgaqo osoloko uzalisekiswa kwiimarike ze-equity kukuba akukho nto inyukayo ngonaphakade, nokuba yeyokunyuka. Kwaye kusenokwenzeka ukuba kulo nyaka kuveliswe olu tshintsho lubalulekileyo kwimeko. Olu lolunye uloyiko olukhulu abahlalutyi beemarike zezabelo abalatha kuzo. Into enokwenzeka ngesiqhelo.
Ngayiphi na imeko, kulo nyaka kuya kuhlala kunamathuba oshishino oluchanekileyo omele ukuwasebenzise ngokungathandabuzekiyo ukusukela ngoku. Ihanjisiwe kwizicwangciso ezahlukeneyo zotyalo-mali kwaye unokuyenza ngaphandle kobunzima. Ngelixa kwelinye icala, elinye lamaqhosha okuphumelela kwintengiso yesitokhwe liya kuba nokwazi ngenisa iimarike zezabelo ngexesha elifanelekileyo. Nangona kufuneka ulinde ixesha elide kwimisebenzi yezemali. Ukuze ukwazi ukwenza ukonga ngendlela enenzuzo kwaye ngendlela elungeleleneyo.
Inzuzo ngokwahluka
Esinye sezitshixo sokuphuma uphile kulo nyaka xa kufikwa kuthengiso lwentengiso kukwahlulahlula ukonga kwakho ngononophelo oluthile. Ukukhetha eyona asethi yezemali maxa onke kwaye nangayiphi na imeko iya kuvela kwezinye zeenyanga. Enye yeemveliso zezezimali ezichaza kakuhle esi sicwangciso sotyalo-mali ngokungathandabuzekiyo ziingxowa-mali zotyalo-mali. Ingakumbi kwimali enolawulo olusebenzayo, ezo zezo zilungelelanisa nazo zonke iimeko ezikwiimarike zezemali, nkqu nezona zinzima.
Enye into ekufuneka uyithathele ingqalelo ukusukela ngoku ukuya phambili yile inento yokwenza nokukhethwa kweeasethi zemali ezintywiliselwe kwimeko ecacileyo yokunyuka. Ukuze ngale ndlela wenze inzuzo ukunyuka okuya phezulu kwixesha elincinci okanye elingaphantsi. Oko kukuthi, ngemisebenzi emifutshane kakhulu ngexesha ukuze utshintsho kwindlela olunokuthi lukuchaphazele ngayo. Ukuba ulandela eli cebiso lilula ngoqeqesho olukhulu, ukusebenza kwakho akuyi kuba nokuphazamiseka okugqithileyo kulungelelwaniso lwamaxabiso.
Yiya kumaxabiso ashiyekileyo
Yenye inkqubo elula yokuyisebenzisa enokufezekisa iminqweno yakho kwiimarike zezabelo. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha bendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Ngelixa kwelinye, awungekhe ulibale ukuba esi sicwangciso sotyalo-mali ithwala umngcipheko omkhulu kunezinye. Kungenxa yokuba zezona zinokuba namandla amakhulu okuhlaziya kwiminyaka ezayo, nkqu nakwiimeko ezingathandekiyo zeemarike zokulingana.
Ngaphakathi kulo mxholo ngokubanzi, banokuba zezona zixhobo zinomdla wokubandakanya ipotifoliyo yalo nyaka. Kungenxa yokuba kuya kufuneka ugcine engqondweni ukuba akukho nto iyehla unaphakade, kungasathethwa kangako kwezi asethi zemali. Ukuya kuthi ga kwinqanaba lokuba Ukutshintsha kwendlela esitokisini yeeasethi eziyimali eziyintloko. Kwezinye iimeko phantsi kobunzulu obukhulu kulungelelwaniso lwezi ntshukumo zentengiso yesitokhwe. Ukuze ukwazi ukwenza imisebenzi enenzuzo kwimarike yemasheya ngendlela efanelekileyo neyanelisayo.
Icandelo elinokuhlaziywa
Kumacandelo kwiimarike zezabelo akukho mathandabuzo ukuba le isenokuba yenye yezinto ezilungileyo kulo nyaka mtsha. Oku kungenxa yento yokuba iza kubeka uxinzelelo lokuthenga olubaluleke kakhulu ngenxa yomdla kwinxalenye enkulu yeearhente zezemali. Hayi ngelize, kwiinyanga nje ezidlulileyo imali eninzi iza kula maxabiso kungalindeleka ukuba ukufakwa kungathathi xesha lide ukubonakala. Ngamandla okunyuka kwimarike yemasheya engaphezulu kwamanye amacandelo enza iimarike zezabelo.
Ngelixa elinye icandelo, kufuneka kwakhona ligxininiswe ukuba eli candelo leshishini lelona lelona likhulu Ukulindela kuyadala phakathi kwabatyali mali abancinci nabaphakathi. Ukongeza, sele bedibanisa iipotfoliyo zotyalo-mali zabameli bezemali kwaye ngenxa yoko banempembelelo ngakumbi kwizigqibo zabatyali mali. Ngayiphi na imeko, licandelo elinokuthi ngokungathandabuzekiyo libe lelinye lezimanga ezinkulu kulo nyaka liza kuvela. Ukuza kuthi ga kwinqanaba lokuba amaxabiso anokunyuka kwezi nyanga zilishumi elinambini phambi kwethu ukuzama ukwenza imali eyonga imali ukuba ibe nengeniso.
Ukhuseleko oluhlawula izabelo
Ukhuseleko olunezabelo sesinye sezicwangciso-qhinga ezikhuselekileyo zotyalo-mali kubatyali mali abancinci abancinci nabaphakathi iprofayili yokuzikhusela ngakumbi. Kungenxa yokuba yindlela elula yokufumana inzala ukuya kuthi ga kwi-8% minyaka le. Ngokuhlawulwa okuqinisekileyo kunye nokuqinisekisa, nantoni na eyenzekayo kwiimarike zezabelo. Ngelixa kwelinye icala, sisicwangciso esisebenzayo kakhulu sokuphucula umda wolamlo oboniswe ziibhanki kunye neemveliso zezemali, ezingadluli kumanqanaba ee-1% okanye i-2%.
Kwelinye icala, kuyacaca ukuba izabelo zenziwe ngesicwangciso esilula kakhulu sokwenza utshintsho oluzinzileyo lokonga ixesha eliphakathi nelide. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha kwendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Kwimizuzwana embalwa, njengangoku, apho ifayile ye- Ixabiso eliphantsi lemali yinyani kwindawo ye-euro. Apho iqondo lenzala belikwi 0% iminyaka eliqela. Oko kukuthi, ngaphandle kwexabiso lemveliso eyenzelwe ukonga okanye utyalo-mali.
Chaza imigaqo yesigxina
Ngexesha elifutshane, amaxabiso okusika aqikelelweyo kufuneka akhethwe kwaye anemida ebanzi yokuhla enyuka, Oko kukuthi, eguqukayo kakhulu phakathi kwelona xabiso liphezulu kunye nelona lincinci leseshoni. Esi sicwangciso-nkqubo asikhuthazwa unyaka wokungaqiniseki njenge-2020, ke eyona nto ikrelekrele kakhulu kukuyeka ukuyenza. Imingcipheko yale misebenzi iphezulu kakhulu kwaye ke ngoko akucebisi ukwenza le misebenzi kwixesha elininzi kakhulu kunye nokungaqiniseki okunje esikufikelela kwiiveki ezimbalwa. Alithandabuzeki elokuba nayiphi na impazamo inokuhlawulwa kakhulu ukusukela ngoku.
Ngelixa ngokuchaseneyo, ixesha eliphakathi okanye elide, kufuneka kukhethwe iinkampani ezinomgangatho wolawulo olululo, kwaye ngokubanzi i-oscillation yazo yemarike yesitokhwe ayikho phezulu kakhulu. Ngenzuzo eyongezelelekileyo yokuba bavuze umnini zabelo ngentlawulo yesabelo sonyaka, ngomda wokulamla aphakathi kwe-3% kunye ne-7%. Ke ngoko, iya kuba yeyona ndlela ilungileyo yokwenza unxibelelwano nezabelo kulo nyaka, ngenxa yobudlelwane phakathi kwemixholo yomngcipheko kunye nokubuya. Ukuba oku bekungenjalo, kungangcono uye kwezinye ii-asethi okanye iimveliso zezemali ezikhuselekileyo kwaye uqinisekise inzala emiselweyo unyaka wonke. Umzekelo, iidipozithi zebhanki zexesha elide.
Amathuba amashishini amancinci
Okokugqibela, kufanele ukuba kuqatshelwe ukuze abatyali mali abancinci nabaphakathi benze isigqibo esifanelekileyo sokuba imeko jikelele yeemarike zezabelo ikwasisigqibo sokusebenza kulo nyaka. Ayifanele ilibale ukuba emva kokuba ii-equity zikhuphukile phantse i-60% ukusukela ngo-2011Kusengqiqweni ukucinga ukuba amathuba okuthenga ambalwa anokuvela kwixesha eliphakathi nelide, nangona kusoloko kukho isipho esikhethiweyo nesilumkileyo esivela kwiinkampani ezinokuba nokuziphatha okuhle kunyaka omtsha wezorhwebo.
Ngesi sizathu, lonke urhwebo kwimarike yemasheya kufuneka lwenziwe ngononophelo olukhulu. Ngeyona njongo iphambili yokukhusela ngokuchasene neemeko ezingathandekiyo kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Ukuba sesinye sezitshixo kwisiphumo sokugqibela sotyalo-mali ekupheleni konyaka ka-2020. Apho kuya kufuneka ukuba kulungelelaniswe yonke intshukumo esiyenzileyo kulo nyaka mtsha wezorhwebo. Ngokomgaqo, ithemba alikho mnandi kwaphela, njengoko sibonisile kweli nqaku.