Ingxowa mali yomvuzo ethe yafunyanwa enyangeni Imirhumo elungileyo net engaphezulu kwe-270 yezigidi ze-euimilambo, zonke zijolise kwingeniso yexesha elide, ngokweedatha zamva nje ezinikezwe nguMbutho waMaziko oTyalo-mali oluHlanganisiweyo kunye neNgxowa-mali yomhlala-phantsi (Inverco). Apho kuyacaca ukuba kwi-2019 iyonke, imali yengeniso esisigxina sele iqokelele phantse i-2.500 yezigidi ze-euro zokungena.
Ngelixa kwelinye icala, iingxowa mali zamashishini zamazwe ngamazwe uhlengahlengise imeko yeenyanga ezidlulileyo kwaye bafumana ukuhamba okuqinisekileyo, bencedwa kukuziphatha kweemarike. Nangona kunjalo, ngaphandle kwembuyekezo entle, bafumana ukubuyiselwa kwemali ngaphezulu kwe-1.800 yezigidi zeerandi unyaka wonke. Ngokuchasene noko, imali ebuyayo ngokupheleleyo kunye nezo zinolawulo olugqithisileyo zigcine intlawulo zesiqingatha sokuqala sonyaka, ziqokelela phantse i-2.100 yezigidi zeerandi zentlawulo yokuqala kunye ne-605 kweyesibini.
Kwimeko jikelele, apho imali yotyalo mali, exhaswa ngumsebenzi olungileyo wentengiso enyangeni, inamava ukukhula ngoJuni kwezigidi ezingama-3.711 zeerandi kwaye, ngedatha yethutyana, bavala isiqingatha sokuqala sonyaka ngokunyuka kwe-10.688 yezigidi zeerandi kumthamo weeasethi zabo, ukuma kwi-268.203 yezigidi ze-euro, eyi-4,2% ngaphezulu kunasekupheleni kwe-2018. kungcono ukhethe imali yotyalo-mali ngokusekwe kwiphothifoliyo yee-equity okanye ukuba endaweni yoko ukhetha umvuzo ozinzileyo.
Kuba ezi mali zingcono
Okwangoku, imali yotyalo-mali edityanisiweyo kwii-equity ibonelela ngothotho lwezibonelelo ezinokuba ngumdla wokuziqesha ukusukela ngoku. Enye yezona zinto zibalulekileyo zithathwa kwinto yokuba inzuzo yayo inokuba phezulu kunengeniso esisigxina. Kwakhona, ngeli xesha ukuya ufumane inzala yokhuphiswano ngakumbi kubalulekile ukuba umngcipheko ekwenzeni izigqibo. Ngale ndlela, indlela yokukhetha ikule meko kwimeko apho iimarike zamasheya zamazwe aphesheya zibambe kakuhle ngokufanelekileyo.
Elinye igalelo lotyalo-mali oluhlanganisiweyo kwii-equity livela kwinto yokuba iimali ezikhuthazayo zithanda iimarike ngezi mpawu. Zombini icala elinye icala leAtlantic. Ngoncedo lokuba banokhetho oluninzi abanokukhetha kuzo nangaphantsi kweefomathi ezahlukeneyo kwiimarike zezabelo. Kwelinye icala, kukho umngcipheko wokuba bubble kumatyala oluntu ezinokuchaphazela iimali ezizinzileyo zotyalo-mali ngobundlobongela obuthile.
Ungazikhusela njani kwizabelo
Ngayiphi na imeko, unezicwangciso ezininzi zotyalo-mali ukukhusela ikapitali yakho kwiinkqubo ezinokwenzeka zokungazinzi kwiimarike zezemali. Enye yezi nkqubo idibanisa ii-equity nezinye ii-asethi eziyimali. Umzekelo, ezo zivela kwimathiriyeli eluhlaza, iimali okanye ezinye iimodeli. Olu lawulo lunokukunceda ukuba ubenelahleko kwezona meko zimbi kwimidla yabatyali mali abancinci nabaphakathi. Ngale ndlela, kukho imali yotyalo-mali ehlangabezana nolu phawu lukhethekileyo.
Elinye lamaqhinga onokulisebenzisa ukusukela ngoku ngoku lixhomekeke khetha ulawulo olusebenzayo. Kuthetha ntoni oku? Ewe, into elula njengokuhlengahlengisa ipotifoliyo yengxowa mali yakho kuzo zonke iimeko ezinokubakho, nkqu nezona zimbi kakhulu kwimidla yakho njengomtyali mali wevenkile. Ukulungelelanisa ipotifoliyo yakho ngesantya esithile ukuze wenze ukonga ngakumbi kunenzuzo. Uya kubona ukuba ukusebenza kuya kuba ngcono ukuba ulandela esi sicwangciso kulawulo lweemali zotyalo mali. Kule nto uninzi lweemveliso zezemali ezibonelela ngolu phawu lukhethekileyo. Ngaphandle kokuchaphazela iikhomishini ezisebenza kwezi mali zekhomishini.
Umngcipheko kwi-equity
Kwelinye icala, asinakulibala ezinye zezinto eziphazamisayo ezikhethwa yile modeli yotyalo-mali. Enye yezona zinto zibalulekileyo kukuba ukuwa kwiimarike zamasheya zamanye amazwe, kunye nokuhla kwexabiso ngaphezulu kwe-20% okanye i-30%. Ukuya kwinqanaba lokuba ungashiya ii-euro ezininzi endleleni nangexesha elifutshane kakhulu. Omnye umngcipheko wokusebenzisa le nkqubo ekukhetheni iiasethi zemali kungenxa yokuba izilungiso zinokuveliswa kwiinyanga ezizayo, okanye mandithi, ukusika okubaluleke kakhulu kulungelelwaniso lwamaxabiso abo.
Ukuya kwinqanaba lokuba sikwazi ukubona amaxabiso asezantsi kakhulu kunalawo acatshulweyo ngalo mzuzu. Ngokuwa kwiimarike zezemali phakathi kwe-10% kunye ne-20%, ezingaba ngaphezulu okanye ngaphantsi ipesenti yemali esinokuyishiya sisebenza kwimarike yemasheya ngokusebenzisa imali yotyalo mali yezi mpawu. Omnye umngcipheko esijamelene nawo kukuba isilingi sele senziwe kwizalathiso zamazwe aphesheya ekuya kuba nzima ukuwoyisa kule minyaka izayo.
Imarike yemasheya inenzuzo ngakumbi
Kwimeko nayiphi na into, kufuneka kuthathelwe ingqalelo ukuba utyalo-mali kwimarike yemasheya kuhlala kuyinto Ingeniso ngakumbi kwixesha eliphakathi nelide. Apho kuhlala kuhlaziywa ixabiso lemveliso engeniso esisigxina okanye ezenziwe ziibhanki ngokwazo. Ngexesha apho idinomineyitha eqhelekileyo kukuthoba ixabiso lemali.
Le yinto ebaluleke kakhulu ngokungathandabuzekiyo ekunceda ukuba uphucule kwiimarike zezabelo. Kuba oko kuthetha ukuba kunemali eninzi yokwenza inzuzo kwimarike yemasheya kwaye oku kuyanceda ukusebenza kwezi asethi zemali. Nangona oku kuyinto enokuthi ngokuqinisekileyo iphele kwinxalenye yokuqala yonyaka olandelayo. Kwaye ke, kuya kuqatshelwa kwixabiso lesabelo.
Ibuyisa izahlulo
Enye yeenzuzo eziphawuleka kakhulu zotyalo mali olusekwe kwizabelo kukuba uninzi lwazo luvelisa ukwahlula phakathi kwabaninizo. Ngenzuzo ebekwe kumanqanaba asondele kakhulu kwi-4% kwaye nakweyiphi na imeko ingaphantsi kwezo ziqhutywa kukuthengwa ngokuthe ngqo kunye nokuthengiswa kwezabelo kwimarike yemasheya. Nokuba yeyiphi na indlela, sisicwangciso esiliqili sokufezekisa ingeniso ephindaphindayo kunye nesisigxina minyaka le. Nokuba kwenzeka ntoni kwiimarike zezabelo kwaye baya ngqo kwiakhawunti yabathathi-nxaxheba.
Enye yemirhumo yezi ingeniso esisigxina kunye eqinisekisiweyo kukuba banceda ukugcina ukuthengiswa kwemali kubatyali mali abancinci nabaphakathi. Ayothusi into yokuba olu didi lweemali zotyalo-mali lujolise ikakhulu kumaxesha okusisigxina kwixesha eliphakathi nelide, kulapho ke kunokuthi kwenziwe unaniselwano olungakumbi okanye olungazinzanga lokonga. Kwaye kunye nokukhululeka kokudlulisela kwezinye iimali zotyalo-mali zeempawu ezifanayo ngethemba lokuba baya kwenza ngcono ukusukela ngalo mzuzu ukuya phambili. Ngaphandle kwalo naluphi na uhlobo lweekhomishini, iintlawulo ezongezelelweyo, izohlwayo kunye nezinye iindleko kulawulo nakulondolozo lwayo.
Ukungancedi ekuqeshweni
Ngelixa ngokuchaseneyo, olu didi lweemveliso ezilungiselelwe ukonga zabucala njengobona buthathaka bayo buphambili kukungazinzi kokulungelelaniswa kwamaxabiso abo. Kungenxa yokuba, emva kweenyanga ezintle kakhulu banokuba nabanye apho Ilahleko zinzima kakhulu kwaye banokuzinzisa ingxelo yengeniso kwipotfoliyo yengxowa mali. Ngayiphi na imeko, kubalulekile ukwenza ukulandelwa kwexesha kwezi mveliso ukuze singabinasothuko kwezi ntsuku zilandelayo. Ngayiphi na imeko, umngcipheko kumgaqo mkhulu kunezo zeemali zotyalo-mali kumvuzo osisigxina.
Kwelinye icala, asinakulibala ukuba le ayisiyomveliso yokuba nayo iinyanga ezimbalwa. Njengoko kunokwenzeka ngokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya okanye ukwenza ikhontrakthi kwezinye iimveliso zezezimali. Umzekelo, imali yokurhweba ngokutshintshiselana, iziqinisekiso okanye ezinye izinto ezivela kwezinye iiasethi zemali. Apho kunokugqitywa khona ukusebenza kwiintsuku ezimbalwa ukuba ityala liyavela. Kanye nokubekwa kwimeko ephezulu ziikhomishini ezinzima ukuba imali yotyalo mali ngokubanzi ithwale. Ukuya kuthi ga kwi-2,5% kwinani lomsebenzi.
Ngelixa lokugqibela, ezi mali zixabisekileyo azinakho ukuguquguquka njengotyalo-mali ngqo. Oko kukuthi, ukuthengiswa kwayo akukhawulezi kwaye kuya kufuneka wenze imisebenzi yobalo-mali ukuze wazi eyona meko yotyalo-mali ngale mveliso ikhethekileyo. Nangona ngokuchaseneyo, ineefomathi ezininzi ezinokuhlengahlengiswa kwiprofayili eboniswe ngabatyali mali abancinci nabaphakathi. Ukuba yinto ekufanele ukuba uyivavanye okwangoku ngokunikezela ngesibonelelo esahlukileyo nesininzi kuzo zonke iindawo zokujonga. Njengokwenyani kubantu abafuna ukukhetha olu tyalo-mali lukhethekileyo ngemali.