Ukuze uchaze noma yiliphi isu lokutshala imali, kubalulekile ukuchaza iphrofayela yakho njengomtshalizimali omncane. Lokhu kuzonquma indlela yakho yokuhweba ngemakethe yamasheya, futhi kwezinye izimo, ngisho nesu lakho lizohluka ngokuphelele . Akufani nokuba ngumtshalizimali ovikelayo njengoba kuphakathi kwabanolaka kakhulu. Kuzodingeka uhwebe ngamasheya ngeziqondiso ezichazwe kahle kakhulu esimweni ngasinye.
Amaphrofayili abatshalizimali azonquma izikhathi zokutshala imali ozikhethayo, ezingaba zesikhathi esifushane, esiphakathi, noma eside. Futhi kunoma yikuphi, uzobe uphishekela izinhloso ezingafani ngaso sonke isikhathi . Ukuze wenze ukuthengiselana kwakho kube semthethweni ezimakethe zamasheya, kuzodingeka wazi iphrofayili yakho, ukuze kusukela ngaleso sikhathi kuqhubeke, ukwazi ukulandela isu elihlukile nelichazwe kahle.
Ukuqonda la maphrofayili kubaluleke kakhulu kangangokuthi kuzokuholela ekutheni ukhethe isethi ethile yamanani esimweni ngasinye. Futhi ukuwahweba kuzodinga amasu aqondile kakhulu aklanyelwe isimo ngasinye . Lesi yisikhathi esifanele sokufunda ngamaphrofayili ahlukene atholakalayo ku-stock exchange kanye nezici zawo eziyinhloko. Ngokwenza kanjalo, uzothola kulula kakhulu ukufeza imigomo yakho kusukela manje kuqhubeke.
Amaleveli kumaphrofayela
Izici onazo zokusondela ekutshaleni imali zizokunikeza uchungechunge lwezihluthulelo ezizoba usizo kakhulu ekwenzeni imali yakho eyongiwe ibe nenzuzo ezimakethe zezimali. Icala ngalinye lizohluka futhi lizodinga isethi yamakhono okutshala imali ongeke ukwazi ukuphila ngaphandle kwawo. Okokuqala, kuzodingeka uthole ukuthi yiziphi izici owela kuzo futhi uqonde izici zeqembu ngalinye. Lokhu kuzokuvumela ukuthi ulungele ukubeka ama-oda okuthenga nokuthengisa ezimakethe zezimali. Ukulungele?
Kunezinhlobo eziningi zamaphrofayili abatshalizimali njengoba kunezindlela zokusondela ekuhwebeni ngamasheya. Kodwa-ke, sizowahlanganisa ngezigaba ezimbalwa ukuze sikusize uqonde kangcono futhi uthole izifundo ezivela kulezi zincazelo. Eqinisweni, abalamuli abaningi bezezimali basekela izincomo zabo zemakethe yamasheya kumaphrofayili abatshalizimali, ngokushintshashintsha okukhulu phakathi kwamaqembu, njengoba uzobona kulesi sihloko.
Futhi inhlokodolobha onayo izokuthonya ekuchazeni lokhu kuguquguquka okubalulekile. Akufani nokuthi unokonga okukodwa kwama-euro ambalwa, ukuthi yonke imali etholakala kokulondoloziwe kwempilo yakho yonke, nokuthi ingavela efeni lomndeni, noma nasemklomelweni otholwe ngama-raffles wendabuko . Esimweni ngasinye, kuzodinga ukwelashwa okwehlukile okuzonqunywa yiphrofayili oyivezayo. Futhi ukuthi esimweni ngasinye ngeke kufane, njengoba uzokwazi ukuqinisekisa kusukela manje kuqhubeke.
Amaphrofayli we-Conservative
Akungabazeki ukuthi bangabavikeli kakhulu kunabo bonke. Akumangazi ukuthi babeka phambili ukulondolozwa kwemali ngaphezu kwakho konke okunye. Abavamile ukuthatha izingozi ekuthengeni kwabo futhi bakhetha izimpahla eziphephile kakhulu ezimakethe zezimali, ngokuvamile ngokusebenzisa izinkomba zemakethe yamasheya zezwe labo. Abasunguli izinto ezintsha ezindaweni zabo ezivulekile, futhi amasheya aqagelayo ngokuqinisekile awanayo indawo kuphothifoliyo yabo yokutshalwa kwezimali. Ngamafuphi, abathandi ukuzama lapho imali yabo isengozini.
Esinye isici ukuthi zihlose ukubamba isikhathi eside kakhulu, ngezinye izikhathi zize zibe yizimali ezizuzwe njengefa. Ngamanye amazwi, azizisusi futhi ngokuvamile zidlulisela ezinganeni zazo noma kubazukulu bazo. Lezi zimali ngokuvamile zikhiqiza izinzuzo ezithile zezimali ngenxa yeminyaka eminingi eqoqwe. Zisekelwe ezitokweni ezivikela kakhulu ezivela emikhakheni yendabuko kakhulu yemakethe yamasheya.
Esinye isibonakaliso salaba batshalizimali ukuthi iphothifoliyo yabo yokutshala imali ifaka amasheya akhokha izinzuzo kubanikazi bamasheya. Leli isu lokutshala imali elicacile kakhulu phakathi kwabasebenzisi balolu hlobo. Bakha ukonga ngalezi zinkokhelo ezivamile, ezibavumela ukuthi bathole imbuyiselo yonyaka eqinisekisiwe engafinyelela ku-8% esimweni esihle kakhulu.
Ama-inverters anephrofayili emaphakathi
Laba batshalizimali bamele indlela exubile yamasu okutshala imali. Abagcini nje ngokuba nemithetho eqinile ngoba bafuna inzuzo ephezulu ezikhundleni zabo zemakethe. Kodwa-ke, bagwema nokuvezwa ngobudlova obukhulu, ekugcineni bafuna ukuphepha okukhulu kokutshalwa kwezimali kwabo. Kunoma ikuphi, bavulekele kakhulu amasu amasha okutshala imali , kodwa ngaphandle kokuzikhandla ngokweqile.
Ukuze bakhe iphothifoliyo yabo yokutshalwa kwezimali, abanqikazi ukuyikhulisa ukuze ifake ezinye izibambiso ezinengozi ephezulu . Kodwa-ke, bayagwema izibambiso eziqagelayo ezingasusa ingxenye enkulu yokonga kwabo. Lesi simiso sicacile kubo lapho benquma ukuvula izikhundla ezimakethe zamasheya, futhi bagcina izinhlelo zabo ziphelele, ngaphandle kokuyekethisa.
Ngokuphathelene nezikhathi zabo zokubamba, kufanele kuqashelwe ukuthi bazifinyeza kakhulu uma kuqhathaniswa nabatshalizimali abavikelayo, kodwa ngaphandle kokusebenzisa isikhathi esifushane kakhulu. Ngempela, babonakala ngokungabi bahwebi ngokushesha kakhulu, ingasaphathwa eyokwenza ngaphakathi kweseshini efanayo yokuhweba. Lena akuyona indlela yabo evamile; kunalokho, bagxile ekutshalweni kwezimali kwesikhathi eside, kusukela ezinyangeni ezi-3 kuya kwezingama-24 , lapho bebeka khona imigomo ecacile kakhulu.
Kulokhu, zivuleleke kumanani wendabuko amancane ezindaweni zokuhweba, yize ngaphandle kokucabanga ngobungozi obedlulele. Futhi ukuthi ekugcineni bangagcwalisa utshalomali lwabo neminye imikhiqizo yezezimali evela kumasheya: izimali ezihlanganyelwe, izimali ezibalwe, futhi kwezinye izimo ngamamodeli wokutshala anolaka kakhulu.
Ngokuvamile bafuna inzuzo ephezulu ekongeni kwabo kunaleyo abanayo njengamanje, njengoba benganelisekile ngamazinga anikezwa abatshalizimali abavikelayo. Bazama ngazo zonke izindlela ukwandisa inzuzo , kodwa ngaphandle kokweqisa. Bacacile kakhulu ngombono wokuthi ukulondoloza ingcebo yabo kubalulekile ngaphezu kwazo zonke ezinye izinhlelo, futhi ekugcineni bathatha lo mbono bawuyise esiphethweni sawo esinengqondo.
Abatshalizimali abanolaka kakhulu
Sesifikile eqenjini lokutshalwa kwezimali eliyingqayizivele kunawo wonke. Lokhu kungenxa yokuthi bahlose ukwenza imali eningi ngesikhathi esifushane kakhulu . Ukuthengiselana kwabo kushesha kakhulu, ngezinye izikhathi kuze kuqedwe ngosuku olufanayo, ngaphandle kokubambezeleka okukhulu. Balwela ukushintsha isimo sabo senhlalo ngobusuku obubodwa. Ukuze bafeze lokhu, bakhetha kalula amasheya aqagela kakhulu emakethe, lapho bangathola khona inzuzo enkulu yezimali, kodwa futhi babhekane nengozi ehlala ikhona yokulahlekelwa yingxenye enkulu yokonga kwabo.
Ababhaliseli amasheya athengiswa kakhulu, kodwa babhalisela lawo mabhizinisi anethuba elikhulu lokuthola inzuzo . Uma ukubheja kwabo kuphumelele, bavame ukugcina benemali eningi ku-akhawunti yabo yasebhange. Ngaphezu kwalokho, babonakala ngobudlelwano babo obuseduze nezimakethe zezimali. Ukuhweba kwabo kuvame kakhulu, futhi abavamile ukubamba izikhundla zemali.
Njengoba bephakathi kwabatshalizimali abanolaka kakhulu, banokuhlangenwe nakho okukhulu kakhulu ezimakethe zamasheya . Banokuhlangenwe nakho kokuhweba okuningi, futhi okuhlangenwe nakho kwabo okubi kunegalelo ekuqondeni kwabo okujulile ngalo mkhakha wokutshalwa kwezimali. Kwezinye izimo ezithile, bathembele ngisho kulo msebenzi njengomthombo wabo oyinhloko wemali engenayo. Laba baziwa njengabatshalizimali abangochwepheshe bokuthengisa. Bayazi ukuthi bangasebenza kanjani ezimakethe, futhi uma kudingeka babeke ama-oda okuthengisa ukuze bavale isivumelwano, abanqikazi ukuwasebenzisa.
Akungabazeki ukuthi laba ngabatshalizimali abathatha izingozi ezinkulu ekusebenzeni kwabo, futhi akubona bonke abantu abangakwazi ukwenza kanjalo ngenxa yezimo zabo. Ngezinye izikhathi i-Prudence igama elingekho eqoqweni labo lolimi . Baziwa ngokukhetha amasheya esigaba sesibili noma sesithathu, okuyinto abambalwa kakhulu abawajwayele ekuqaleni. Benza imisebenzi ngobunzima obukhulu kuzo zonke izici.
Ukuleliphi iqembu?
Ngemuva kokwethulwa okufushane kwesigaba sabatshalizimali abancane nabaphakathi abatholakala ezimakethe zezezimali, kusele kuphela kuwe ukuthi ucabangisise ngokusimama kwakho kwamanye amaqembu abhalwe ohlwini. Usuvele uyazi ukuthi banjani nokuthi yiziphi izindlela zabo zokwenza izinto. Futhi nezingozi ozifaka ekusebenzeni okuvulekile ezimakethe zezezimali.
Ukuze unciphise amaphutha, kuyalulekwa kakhulu ukuthi uvulekele uchungechunge lwamathiphu azoba usizo kakhulu ekusebenzelaneni kwakho namasheya. Akunzima ukuwasebenzisa, futhi uzothola izinzuzo eziningi. Lezi yiziqondiso ezilandelayo.
- Zichaze ngephrofayili oyitshalile ivumelaniswe nezici zakho, kodwa futhi kuya ngenani onalo lokutshala imali.
- Ungashintshi ukusuka kolunye uhlobo kuya kolunye ngemvamisa ethile, ngoba ukuphela kwento engakukhiqizela ukudideka, ngoba wenza amaphutha amaningi kunesidingo.
- Noma ngabe iyiphi iphrofayili onayo, ngeke kudingeke ukuthi ulahle noma ikuphi imihlahlandlela yokuqinisekisa futhi isiqiniseko semali etshaliwe. Futhi-ke ungazivumeli uthathwe ngamakhono angaphenduli emisebenzini yokulingana.
- Holwa ngumthwalo wemfanelo futhi ungazami ukubeka engcupheni imali eningi kunesidingo Kuwo wonke umsebenzi obonisa ubunikazi bakho njengomsebenzisi wemakethe yesitoko.