Izabelo emakethe yesitoko zikhiqiza inzuzo emaphakathi engama-5% futhi kunoma yisiphi isimo kusho ukwenza imali engenayo engaguquki ngaphakathi kokuguquguqukayo. Ngokusebenzisa i- inkokhelo engaguquki futhi eqinisekisiwe Njalo ngonyaka, noma yini eyenzekayo ezimakethe zezimali. Ngesilinganiso senzalo esidlula kabanzi esakhiwe yimikhiqizo yasebhange eyinhloko (imali yesikhathi esimisiwe, amanothi ezethembiso ezinkampani noma ama-akhawunti emali engenayo ephezulu). Kuzo zonke, ukunxeshezelwa kwamakhasimende akuvamile ukweqa amazinga ayi-1% futhi kungesinye sezizathu zokukhetha izinzuzo ezisatshalaliswa ezinye zezinkampani ezibalwe.
Kunoma ikuphi, kunenye indlela ehlukile yokuqoqa izinzuzo ezimakethe zezimali futhi kwenzeka ngokutshalwa kabusha kwale mali kumnikazi wamasheya. Kuyiqiniso ukuthi akuzona zonke izinkampani ezenza lesi senzo senzeke, kepha kuyindlela evulekele abatshalizimali abancane nabaphakathi abafisa ukuqinisa izikhundla zabo emakethe yamasheya. Ukuze ngale ndlela, ukuba khona kwayo ezinkampanini ezifakwe kuhlu kubanzi futhi kunamandla amakhulu kunangesikhathi leso. Ngandlela thile, kuyindlela ye- qhubeka ukhetha isikhwama njengecebo elihle kakhulu lokwenza ukonga kube nenzuzo kusuka manje.
Yini etholakalayo ngaleli su elikhethekile lokutshala imali? Yebo, ngaphezu kwakho konke ukuqinisa izikhundla esezithathiwe. Ngoba amasu wokutshala kabusha okwahlukanisiwe avumela umtshalizimali ukuthi athenge ngokuzenzakalela amasheya amasha. Umphumela wawo osheshayo ukuthi ibhalansi ye- ukwabelana ikhula kancane kancane. Ngethuba langempela lokuthi okunye okuningi ukuzuza kwemali ephezulu ngoba sinenani elikhulu lamasheya wakho ngenxa yalesi senzo kuzinzuzo. Akumangalisi ukuthi kuyinto eyenziwa abaninimasheya abaningi eminyakeni edlule.
Izabelo ziya ekutshalweni kwemali
Vele, ukuphinda utshale imali eyinzuzo ikuvumela ukuthi wakhe iphothifoliyo enamandla kakhulu yokutshala imali esikhathini esizayo. Phakathi kwezinye izizathu, ngoba uthola amasheya minyaka yonke futhi kuya ngomholo wale nkokhelo ebalulekile kumnikazi wamasheya. Kuyisu elikhetheke kakhulu elihlose iphrofayili yabatshalizimali nolaka ngokwengeziwe ukuthi uncamela ngaphezu kwakho konke ukuhlala avalelwe ekutshalweni kwakhe kunokukhokha ngesikhathi kwenzalo njalo ngonyaka. Ngamanye amagama, awujahile ukwenza umsebenzi ube nenzuzo ngoba inhloso yakho enkulu kungukusebenza kweminyaka eminingi. Vele, ayihlangabezani nakho konke okulindelwe okusindisa.
Ngakolunye uhlangothi, lapho ukhetha lesi sinqumo, okufunayo ngempela ukutshala izimpahla futhi akunandaba ukuthi izabelo ziqoqwa ngesikhathi sokusatshalaliswa. Bashintshaniswa ngezenzo yenkampani lapho umsebenzisi evule khona izikhundla zakhe. Ngokwalo mbono, kuyindlela ekhetheke kakhulu yokwenza ngcono isitatimende semali engenayo esikhathini esimaphakathi nesikhathi eside. Ngobizo oluzinzile ngokwenani, okuyilokho olwehlukanisa nezinye izinhlobo zamaqhinga. Ngamanye amagama, empeleni uqoqa izinzuzo, kepha hhayi imali. Uma kungenjalo, ngokuphambene nalokho, ubenza ngezenzo.
Kungaba umsebenzi onenzuzo enkulu
Kunoma ikuphi, kufanele ubone ukuthi lokhu kungukusebenza okungaba nenzuzo enkulu uma izenzo ngemuva kweminyaka bayahlaziya. Nasi isihluthulelo sokunquma ukuthi kungakuhle yini ukuthi uye kule nhlangano ezimakethe zezimali. Ngoba uma ekugcineni bekunje, akungabazeki ukuthi umtshali-zimali uzowina ekuhambeni kwabo emakethe yamasheya. Kungaphindeka kabili noma kathathu inzuzo obungayithola ngokukhokha izinzuzo. Ngalo mqondo, kubalulekile ukuthi kucace bha ngezinhloso ezizolandelwa ngoba lo msebenzi ungaba nemiphumela emibi esitatimendeni semali engenayo sabasebenzisi.
Ngaphambi kokukhetha ukutshalwa kabusha kwezinzuzo, kufanele ucabangele ukuthi ufunani ezimakethe zezezimali. Ikakhulu maqondana ne- imigomo yokuhlala ngoba uma imisebenzi yakho emakethe yamasheya iqondiswe esikhathini esifushane akunangqondo ukuthi wenza lo msebenzi. Ngaphezu kwalokho, cishe ngakho konke ukuqiniseka ukuthi ekugcineni uzogcina ulahlekelwe yimali futhi uzozisola ngokungatholi inkokhelo yalezi zinzuzo esesizibalile. Ngakho-ke, kungukusebenza okudinga ukucatshangelwa kulokho okufunayo ezweni elihlale liyinkimbinkimbi emakethe yamasheya.
Ukwamukelwa kokutshalwa kabusha kwemali
Uma ekugcineni uncika kuleli su lokutshala imali, ngeke uswele izizathu ukufeza. Hhayi ngeze, kuzofanele uhlaziye ngokuningiliziwe ukuthi yiziphi izinzuzo ezizokulethela lo msebenzi. Yize ukuze uthathe isilinganiso ngendlela elinganiselayo, akufanele ukhohlwe ngomonakalo ongeke ubangelwe ukungaqoqi izinzuzo ngqo. Njengoba sikutshelile kule ndatshana, lesi sinqumo sizoncika kakhulu kuphrofayili oyethula njengomtshalizimali omncane naphakathi. Kusemaphethelweni kosuku ukuthi imayelana nani.
Ngalo mqondo, awukwazi ukukhohlwa ukuthi lezo zesilondolozi esinolaka azifani nalezo zephrofayili evikelayo noma elandelanayo. Ngokwezinga lapho bezodinga khona i- ukwelashwa okuhluke kakhulu, njengoba ukwazi ukubona kusengaphambili ngokufunda kwakho ezimakethe zezimali. Vele, ngesinye sezici okufanele uzihlole kangcono ngesikhathi esifanele lapho kuvela khona lesi simo. Ngaphezu kwezinye izindlela zobuchwepheshe futhi mhlawumbe ngisho nasendaweni yokubuka eyisisekelo. Ungakhohlwa uma ungafuni ukwenza iphutha elibi lapho kufika isikhathi sokukhokha izinzuzo.
Ingabe idividendi kumele iphinde itholwe?
Lesi simo sizovuma kakhulu lapho ezinye zezimo esizozichaza ngezansi zenzeka. Akumangalisi ukuthi uzothola ukuthi utshalomali lwakho lube namandla kakhulu kunamanje. Ukuze ungenalo uhlobo lokungabaza, akukho okungcono kunokukukhombisa lezi zimo isinqumo sakho esizoncika kuzo ngokuphepha okusabalalisa izinzuzo phakathi kwabaninimasheya. Ngabe uzimisele ukufika kuleli phuzu elifanele? Yebo, naka ngoba kungaba ithuluzi eliwusizo kakhulu ekutshalweni kwakho kwemali emakethe yamasheya.
Ukulula kokuqashwa kwakho
Yize ingumkhiqizo onenzuzo ngokulingene, akuyona yonke inzuzo futhi ukuqashwa kwayo kuncike ohlotsheni lweklayenti eqondiswe kulo. Phakathi kwezinzuzo umsebenzisi wemakethe yamasheya angazithola yilezi ezilandelayo:
- Inikezela nge- ukukhokha okuphezulu lokho kuya ngokuphelele kutshalomali olwenziwe ngaleso sikhathi.
- Ikuvumela ukuthi uqede ukukhokhwa kwe- izindleko zesondlo nezokuphatha ngisho nakuwo wonke amakhomishini. Ngakolunye uhlangothi, alukho uhlobo lwentela oluzokwehliswa, njengoba kunjalo ngokukhokhwa ngqo kwezinzuzo.
- Kuyindlela elula yokuthi kumele uphinde utshale imali ekhiqizwe ngale ndlela yokubuyisela. Ngaphandle kwesidingo sokuya ku- izimakethe zezezimali ukusetha intengo yokwenza ukuhweba.
Okubi ngaleli qhinga
Ngokuphambene nalokho, ukusetshenziswa kwayo kufaka uchungechunge lokulimaza olungakuniki njengesixazululo sokuya kulolu hlelo ukungena ngezikhundla ezintsha ngenani elikhethiwe. Ngoba empeleni, ukukhula kwayo kufaka uchungechunge lwezingqinamba okufanele futhi uzicabangele kusukela manje kuqhubeke. Futhi phakathi kwalokhu okulandelayo kuvela ukuthi sikudalula kule ndatshana.
- Ungathinti kuwo wonke ama-equities abasabalalisa izinzuzo kubaninimasheya abo. Uma kungenjalo, kunalokho, bambalwa kuphela abalawulwa yilezi zimingcele kutshalo-mali. Kufinyelela ezingeni lokuthi kungenza ukukhetha kwakho kwamuva kube nzima.
- Kunoma ikuphi, kuyi- umkhiqizo ozivikelayo kubatshalizimali abakhetha ukutshala imali ngqo ezimakethe zamasheya noma basebenzise ezinye izindlela ezihlinzekwa ngamasheya.
- Leli su elikhetheke kakhulu libhekiswe kubaninimasheya abanamasheya afakwe ebhange elilodwa nangevelu efanayo yemakethe.
- Lawa manani ahlanganisiwe kulokho okubizwa ngokuthi yi-Ibex Top Dividendo, okuyinkomba yemakethe yamasheya yaseSpain efaka izinkampani ezingama-25 ezinesabelo esikhulu kunazo zonke emakethe yaseSpain futhi inhloso yazo ukuqoqa ukuziphatha kwenkampani abanikela ngalolu hlobo lwempindiselo.
- Ngale ndlela, ukutshalwa kwezimali kumasheya kuvunyelwe ukuya ukukhula ngokuzenzakalela futhi ithuthuka ize ifike kumkhawulo ozibekele wona ngokuya ngezidingo zakho zokweqiwa kwemali. Esimweni ngasinye, kuzohluka kakhulu ngakho-ke ukwenziwa kwayo ngokusemthethweni kunganconywa noma cha.
- Izinzuzo ezakhiwe yamasheya nokuvalwa kwezintshisekelo ngeke babalwe njalo ngekota ku-akhawunti, njengakulezi zimo.
- Le ndlela inenzuzo ngaphezu kweminye imikhiqizo eyenziwe kulokho lapha kuphela kukhawulelwe ezenzweni yezinkampani ezibalwe uqobo. Ngokujwayelekile kufana nezisindo ezisindayo zesikhwama, ezaziwa ngokuthi ama-chips aluhlaza okwesibhakabhaka.