Uma ufuna ukwandisa imali yakho yokonga, akudingeki ukhawulele ekuthengeni nasekuthengiseni amasheya. Kukhona okungaphezu kwezabelo zomhlaba wonke . Futhi iyiphi indlela engcono kunokuhlola amamodeli angajwayelekile , njengezinkampani ezintsha? Ngisho nalezo ezintsha kakhulu ongazithola njengamanje. Zingakusiza ngisho nokuthuthukisa imbuyiselo ekutshalweni kwakho imali.
Kuyiqiniso ukuthi ezinye izindlela zilinganiselwe. Kodwa okungenani uzoba nemibono embalwa yokukusiza ukufeza izifiso zakho ngeziphakamiso zokutshalwa kwezimali ezithile. Kodwa-ke, lokhu kuzodinga ukuqonda okukhulu nokujulile kwezimakethe zabo . Lesi sici sizothinta iqiniso lokuthi akubona bonke abatshalizimali abancane nabaphakathi abazokwamukela le misebenzi. Ngokuphambene nalokho, bambalwa abakhethiwe kuphela abazoba nethuba elihle lokuvula izikhundla kwezinye zalezi zimpahla zezimali.
Kunoma ikuphi, kuzoziveza njengendlela ehlukile yangempela yokutshalwa kwezimali. Ungayenza isebenze nganoma yisiphi isikhathi, ngisho nangezikhathi ezingezinhle kakhulu ezimakethe zezimali, lapho udinga njalo ukuphendukela ezimakethe ezingaphandle kwe-stock exchange ukuze uhambise ibhalansi etholakalayo ku-akhawunti yakho yokuhlola. Ngokuqinisekile, iziphakamiso zezimali ezingaphezu kwesisodwa zizokumangaza ngokuvela kwazo . Kodwa qaphela kakhulu, ngoba zingase zibe nezingozi eziningi kunokudingekile, njengoba uzobona kusukela manje kuqhubeke.
Olunye utshalomali: qala
Ngokuqinisekile, omunye wemibono ethokozisayo kakhulu ukwenza lokhu kukhetha. Ngokuxhumana nalaba bameli bezezimali, ungatshala imali kusukela manje ngamandla okukhula aphezulu , mhlawumbe udlule ngisho nenzuzo enikezwa yizimakethe zezimali ezivamile. Lokhu kufezwa ngezindlela ezihluke ngokuphelele kulezo ezikhiqizwa yizabelo ozijwayele. Kodwa-ke, kunoma yikuphi, ngeke ube nakukhetha ngaphandle kokuthatha ingozi eyengeziwe ukuze ufinyelele imigomo yakho.
Kusekelwe esu elilula neliphumelelayo njengokufuna amaphrojekthi ebhizinisi anemodeli yebhizinisi esebenzayo kanye nethuba lokukhula lokunikeza inzuzo kubatshalizimali babo. La maphrojekthi angavela emikhakheni ehlukene yebhizinisi futhi abe nohlobo oluhluke ngokuphelele. Ungabasiza ukuthi bafeze isinyathelo sabo, kuyilapho wena ngokwakho uthola umvuzo ovela enzuzweni ekhiqizwa yimali etshaliwe.
Kodwa-ke, lokhu akuyona inqubo elula futhi engenazithiyo. Cha, ngoba kuzodingeka uqale ucele amadokhumenti aphelele kulaba bagqugquzeli abonisa isimo samanje kanye nekusasa elibikezelwe lephrojekthi. Yilokhu okwaziwa ngamagama ebhizinisi njengohlelo lwebhizinisi. Uzodinga futhi ulwazi ngesimo sabo sezezimali nezomthetho kanye nolwazi lwethimba elinomthwalo wemfanelo wokuqalisa iphrojekthi. Ngaphezu kwalokho, isiphakamiso sabagqugquzeli esichaza imigomo yabo ehlosiwe kufanele sifakwe ngaso sonke isikhathi. Kungase kube nokuhlangana kwezintshisekelo kuzo zombili izinhlangothi. Abagqugquzeli bafuna ukuxhaswa ngezimali, kuyilapho abatshalizimali befuna nje ukubuyisa imali yabo yokutshalwa kwezimali, okungcono kakhulu kudlule iziphakamiso zokuqala zokutshalwa kwezimali.
Faka imali futhi esitinini
Enye indlela ehlukile nephumelela kakhulu yokwenza imali yakho ikhule iwukubuyela emkhakheni wezindlu. Kodwa ngendlela ehlukile, futhi ngaphezu kwakho konke, entsha. Hhayi ngokutshala imali kumasheya alolu hlobo. Cha, kodwa ngezinkampani ezintsha kakhulu lapho ungafaka khona imali ukuze ikhule. Ngokwazisa okungatholakala ngokuthenga impahla.
Ungenza lezi zivumelwano zibe semthethweni ngemali encane, kusukela ku-€100 kuphela uma lokhu kungumphumela owufisayo. Inzuzo ukuthi ungavala izikhundla zakho noma nini lapho uthanda khona, ubuyise imali yakho kanye nenzalo ehambisanayo. Ngempela, kungokwesikhathi esiphakathi neside lapho imbuyiselo ingaba ekhangayo kakhulu, ngenzuzo engaba ngu-10% noma ngaphezulu, ngenxa yokwanda kwempahla.
Zimbalwa iziphakamiso zalolu hlobo emakethe. Kodwa-ke, kunomkhuba okhulayo kulezi zindlela zokutshala imali ezithile. Kodwa-ke, esikhathini esifushane, amathemba akho okuphumelela kakhulu ezimakethe zamasheya aphansi kakhulu. Njengoba imbuyiselo ku-akhawunti yakho yokuhlola kulindeleke ukuthi ingabi ngaphezu kuka-2% noma u-3% , lokhu kusese phezulu kunalokho okunikezwa yimikhiqizo yasebhange eyinhloko (njengediphozithi yesikhathi esinqunyiwe, amanothi esithembiso, noma amabhondi ezinkampani).
Amapulatifomu aku-inthanethi: anezingozi eziningi
Uma ungesabi ingozi, lokhu kungaba inketho efanelekile kuwe. Kuhilela ukuhweba ngobudlova kuzo zonke izimakethe zezimali, ngezinye izikhathi ngisho nangosuku olufanayo . Ungawina imali eningi, kodwa futhi ungayilahlekelwa ngokushesha. Kuzodingeka ufunde okuningi ukuze uhwebe ngalezi zinhlobo zemikhiqizo yezezimali. Lena yindlela engcono kakhulu yokugwema ukwenza izinqumo ezingenamsebenzi ezingabeka engcupheni ibhalansi yakho ye-akhawunti yokonga.
Enye yezinzuzo zalolu hlobo lokutshalwa kwezimali oluyingqayizivele ukuthi ungavula izikhundla ngamanani amancane kakhulu, afanelekela izabelomali eziningi zasekhaya. Kodwa-ke, lokhu kutshalwa kwezimali kuza nezimali zokuphatha ezinkulu kanye namakhomishini, adlula lawo emikhiqizo evamile, njengaleyo yokuthenga nokuthengisa amasheya, izimali zokutshalwa kwezimali, ngisho nokuthengisa ngesikweletu. Khumbula lokhu lapho uhlela isabelomali sakho.
Lesi sigaba samapulatifomu aku-inthanethi siyanda eminyakeni yamuva futhi ungathola okungaphezulu kwesisodwa okungahambisani nezinyathelo zokuphepha ezidingekayo. Kungenye ingozi eyengeziwe yokuthi le misebenzi yezezimali ehlukaniswa njengengozi enkulu ifaka phakathi. Lapho kunesigaba samaphrofayli okungabhekiswe kubo iziphakamiso zabo zokwenza ifa libe nenzuzo. Kunoma ikuphi, ngeminikelo yemali engatheni. Ukuvikela izikhundla zakho njengomtshalizimali omncane naphakathi oyikho.
Ukuboleka imali kubantu ngabanye
Enye indlela entsha ngempela yokwenza imali yakho ikhule ukunikeza umugqa wesikweletu kulabo abaswele. Lokhu kudluliselwa ngamapulatifomu aku-inthanethi ontanga futhi kunenzuzo yokuthuthukisa ukusebenza kwemikhiqizo yakho yasebhange eyinhloko. Eqinisweni, imbuyiselo ongayithola ingasukela ku-4% kuya ku-7% . Ngale ndlela, ababoleki bangafinyelela ezimalini ezingabizi kakhulu, ngaphandle kwezimali noma izindleko zokuphatha. Futhi wena, ngaleli su eliyingqayizivele, uzothuthukisa ibhalansi yakho yamanje ye-akhawunti.
Kodwa-ke, akulona uhlelo olulula kangako ukulusebenzisa. Udinga ukuthola ipulatifomu yomsebenzisi ehlangabezana nezidingo ezidingekayo kanye nomtshali-zimali ozimele onikeza iziqinisekiso eziphezulu ekuthengiselaneni. Kodwa uma unqoba lezi zithiyo, uzoba sesimweni esihle kakhulu sokudlula imingcele enikezwa yimali engenayo ehleliwe njengamanje. Futhi kwezinye izimo, ngisho naleyo etholakala emikhiqizweni ethile yezezimali enezinga eliguquguqukayo.
Eminyakeni yamuva nje, inani elikhulayo labasebenzisi likhethe lolu hlelo lokubambisana kontanga. Inselele enkulu isekusunguleni ukwethembana phakathi kwezinhlangothi zombili . Lokhu kungenxa yokuthi imodeli isebenza ngalezi zindlela zokuxhumana, ezintula ngokwemvelo kwezinye izindlela zokutshala imali, ezivamile noma ezingavamile. Okungenani inikeza enye indlela yokuthuthukisa ezezimali zakho, futhi kuzodingeka uzinqumele ukuthi kuyazuzisa ngempela noma cha.
Ukunikelwa kwezinye izinhlelo
Lezi zinketho zokutshala imali esizethule zihlukile kakhulu. Azingcono futhi azimbi kunezinye, kodwa zinikeza amamodeli okutshala imali ahlukene kuye ngephrofayela yakho yokonga. Kunoma ikuphi, kufanele uzihlaziye ukuze uqonde ukuthi zisebenza kanjani futhi ugweme noma yiziphi izimanga endleleni. Ungazisebenzisela ngisho nalapho izimakethe zezimali zendabuko ziphuza . Kuyohlala kungcono kunokuphendukela enzuzweni ephansi enikezwa yimali engenayo engaguquki ngalesi sikhathi.
Kuyiqiniso ukuthi awunazo izinketho eziningi zokusebenzisa lawa mamodeli. Kufanele uzikhawulele kwezimbalwa nje, futhi ungase ungabi nolwazi oludingekayo lokusebenza namanye awo. Ngalo mqondo, ayikho indlela engcono yokufunda ngawo kunokutadisha nokuhlaziya okuningiliziwe kwendlela amamodeli awo okutshala imali asebenza ngayo. Kulapho-ke kuphela lapho uzokwazi ukuwasebenzisa khona ngethuba elihle kakhulu lokuphumelela futhi ugweme izinkinga ezithile.
Iningi lazo alisuselwa kunani lanoma iyiphi impahla yezezimali. Kepha kunalokho, amasu abo bawabeka ekusekeleni izidingo zabantu. Kungaba ngamaphrojekthi amabhizinisi abo, noma ngokumane ubanikeze imali edingekayo yezinkinga zabo zansuku zonke zokukhokha. Azisekho izimfihlakalo kulezi zimali ongazidinga kwesinye isikhathi noma kwenye.