Ukukhetha indlela yokufumana imali, ukwandisa inzuzo yokuvelisa okanye ishishini, kubalulekile ukuqwalasela iindlela ezahlukeneyo zokutshala imali - iindlela zabo, ukungafani, okulungileyo kunye namanqaku angalunganga. Yintoni utyalo-mali, kwaye yintoni indima yabo kwizoqoqosho kumashishini athile kunye nelizwe lonke - umcimbi ophuthumayo kwihlabathi lanamhlanje.
Investment - yintoni na?
Njengomthetho, utyalo-mali mali utyalo lwemali kwinto okanye kwisixhobo ngenjongo yokwenza inzuzo. Kwimeko yeprojekthi yokwenza ilahleko, imali yokutshalwa kwezimali ibuyiselwa kakhulu kuncinci okanye ayikho. Yintoni utyalo-mali? Utyalo-mali olunjalo alube yimali kuphela kwifom yalo ecocekileyo. Ngokuqhelekileyo, oku kukuthengwa kwezabelo okanye ukugcinwa kwamasheya, ubunini bezinto, ilayisenisi okanye ilungelo lobunikazi, imali, izitya ezixabisekileyo. Ngamanye amaxesha, njengotyalo-mali, batyala imali:
- kwakhona;
- lungisa;
- ukugcinwa okanye ukuhanjiswa kwanoma yini na;
- lwakhiwo olutsha;
- imfundo okanye imfundo.
Inxaxheba yotyalo-mali kwezoqoqosho
Yintoni utyalo-mali? Ukusetyenziswa kwazo okunengqiqo kuvumela ukwandisa izinga lokuphuhliswa kunye namathemba alo kubaluleke kakhulu kumashishini, kwimveliso okanye kwezolimo zelizwe. Utyalo-mali kukuvumela ukuba ulondoloze okanye ulungise inani lemisebenzi, uphucule umgangatho weemveliso, ubeke umonakalo kunye nokudala indawo yokugcina impahla yezinto eziphathekayo ekuzalisekeni kweeprojekthi ezicwangcisiweyo.
Kufuneka ikhunjulwe ukuba akukho-mali onke aya kuba luncedo. Ukutshala imali kwi-shishini elingekho phantsi, ngaphandle kokuba lingenakulungiswa kwaye iindlela zemihla-mveliso okanye ezisetyenziswayo ngokuqhelekileyo azivelisi umphumo oyifunayo. Kwiimeko ezinjalo, ukubuya kotyalo-mali kunokuhlaselwa.
Utsalane njani utyalo-mali?
Utyalo-mali oluvuna kakhulu luya kuhlala lukhangeleka ngakumbi kubatyalomali, kodwa njani ukuphumeza umphumo oyifunayo? Kukho iinkalo ezinokuchaphazela ukufumana i-packaged investment investment.
- ukuqhuba ishishini elivulekileyo ngokunika ingxelo engqongqo yecebo elihlukile;
- umsebenzi wokucwangcisa ezenzweni ezongezelelweyo, ukulungiselela isicwangciso sophuhliso, ukusebenzisa imizamo eninzi yokuthobela;
- Uvavanyo oluqinileyo lweengeniso kunye neendleko ezilindelekileyo;
- ukufumaneka kweziphakamiso okanye idumela elihle kwicandelo loshishino;
- ukulungelelanisa ukubambisana;
- imeko yezoqoqosho, utyalo-mali kunye nenkxaso ethile.
Iintlobo zotyalo-mali
Ukuqwalasela umtyalo-mali ozayo kufuneka uhlalutyo lwentyalo-mali. Zininzi zazo:
1. Ngokomgaqo-mali:
- utyalo-mali olufutshane-ixesha, ngokuqhelekileyo ngaphantsi komnyaka;
- utyalo-mali oluphakathi-ixesha elide ukususela kunyaka omnye ukuya kwi-3-5 iminyaka;
- utyalo-mali-ixesha elide-kaninzi, ixesha elingaphezulu kweminyaka engama-3-5.
2. Kwimihlaba:
- lwangaphakathi;
- zangaphandle.
3. Ngohlobo lwezinto zokutyalomali:
- Ukunikezelwa ngqo okanye okwenene-mali ejoliswe ekuphuhlisweni kwemveliso okanye ishishini;
- iphothifoliyo okanye i-mali - bazisa ngokukhawuleza inzuzo kumtyalomali.
4. Ngohlobo lokuthatha inxaxheba kotyalo-mali:
- utyalo-mali;
- nxu lumene.
5. Ngeniso:
- ukungabikho kwengeniso, kodwa ubukho bentlalo, izendalo okanye ezinye iintlawulo;
- ephantsi;
- umyinge;
- phezulu.
6. Xa ulawulo lwefom yobunini, utyalo-mali lunokuthi:
- kwamanye amazwe;
- kunye namanye amazwe;
- ngasese;
- lumente;
- zixutywe.
Utyalo - apho utyalo mali?
Njengomthetho, ukwenza imali kwezotyalo yinjongo ephambili yabatyalomali. Ukukhethwa kwamashishini ukuze utyalo-mali luxhomekeke kwizinto ezilandelayo:
- ezikhethwa ngumtyalomali;
- imeko yezoqoqosho kunye nokufumaneka kwezikhokelo ezithembisayo;
- iimpawu zamashishini okanye amashishini kummandla;
- inani lemali ekhululekile.
Utyalo mali kwishishini
Abaninzi bayazibuza indlela yokwenza imali kwezotyalo-mali. Impendulo ingabonakalisa. Ngokomzekelo, xa utyalo-mali kwiiprojekthi zorhwebo kubalulekile ukuqwalasela inani lezinto:
- inzuzo ye shishini;
- uzinzo lwazo;
- uphuhliso;
- ingozi.
Investment in shares
Uhlobo oluqhelekileyo lotyalo-mali kukuthengwa kweziqinisekiso, kodwa akusoloko unako ukuphumeza umphumo oyifunayo - kukho ezinye iimpawu zotyalo-mali kwi-stocks. Iindleko zabo ziyahlukahluka ngokwemiqathango yezoqoqosho. Imisebenzi ifuna amava kunye nezakhono. Ukungabikho kwemali yotyalo-mali kunokuthi kubangelwa ukuba ekuqaleni inzuzo isasazwa phakathi kwemibutho yemboleko, abasebenzi kunye nabathengisi. Musa ukulibala malunga nokutyalwa kwebhanki kwenkampani kunye nezinye iingozi zemali.
Utyalo-mali ekuqaleni
Ngokuqhelekileyo, utyalo-mali kunye nezinto ezintsha zihlukana. Okwangoku, kukho abathuthukisi abanamakhono abaninzi kwaye baqala oomashishini bezoshishino, okubalulekayo ukufumana utyalo-mali ozinzile. Akusiwo wonke umntu olungele ukutyalo-mali lwawo kwiprojekthi entsha, engafunyanwa, ngoko kukho iingozi ezinkulu kwezolotyalo. Ukuze ufumene zombini iphrojekthi yokuqalisa kunye notyalomali, kubalulekile ukuqwalasela le mngcipheko kunye neendleko ezongezelelweyo. Kuya kuba luncedo ukwenza isicwangciso soshishino kunye nokuphunyezwa kwayo emva koko.
Invest in bitcoin
Injongo ininzi yabatyalomali inotyalo-mali, kodwa akusoloko kunokwenzeka ukuphumeza umphumo oyifunayo. Yintoni utyalo-mali kwi-bitcoin, kwaye yintoni umehluko wabo ekutyalweni kwemali eqhelekileyo? I-Bitcoin yinkqubo yokuhlawula ngokuqhelekileyo, ngokuqhelekileyo ukutshatyalaliswa kwontanga, esetyenziselwa ukuhlala kwi-intanethi phakathi kwabathengisi kunye nabathengi, ukutshintshiselana kwempahla okanye iinkonzo. Ngamanye amaxesha kunokwenzeka ukutshintshela i-bitcoin ngemali rhoqo ngokusebenzisa iinkonzo ezizodwa ze-intanethi.
Umbuzo wokutyalomali kwi-bitcoin uyimpikiswano, kuba indleko yolu hlobo lwemali lunokutshintsha amaxesha amaninzi ngosuku. Ngokuqhelekileyo, utyalo-mali olunjalo luyimvelo ende. Kukho uluvo lokuba lufanelekile phambi kobume bekhululekile. Kukho imizekelo yezinto zombini ezixhamlayo kwaye ezingenakunceda ukutyalomali kwi-bitcoins, ngoko ukhetho kulo mzekelo luhlala kumtyalo-mali.
Ukutshala imali ngegolide
Akunqabile ukufumana utyalo-mali ngaphandle kwengozi. Nangona intengo ezinzileyo yegolide ingashukunyiswa ngenxa yempembelelo yezoqoqosho zangaphandle. Kukho iingenelo zokutshala imali kwiindawo zegolide:
- isinyithi ayibonakali kakhulu kwizinto zangaphandle, ngoko ke kunokuqhubeka ixesha elide;
- ukugcinwa kwayo akudingi iimeko ezizodwa;
- Impembelelo yemeko yezoqoqosho kwixabiso legolide ayikho enkulu.
Ukutshala imali kwisitye esinqabileyo kunokufumana uhlobo lokuthenga iimali, ii-ingots, imihlobiso, ii-akhawunti zokuvula okanye i-brokerage yorhwebo. Njengawuphi na uhlobo lotyalo-mali, ukutshala imali kwigolide kubandakanya ingozi ethile ekufuneka ithathelwe ingqalelo xa ukhetha i-asethi yemali.
Utyalo mali ekwakhiweni
Isantya sokwandisa sokwakha sivame ukuvumela umntu ukuba abize utyalo-mali kule shishini elinye lentyalo-mali ekhoyo. Izinto zokutshala imali kulo mzekelo - indawo yokuhlala, ishishini, umveliso, imali yezemali. Isitulo sezindlu siyindawo eyaziwayo yokutyalomali. Kwaye akusebenzi nje kuphela kwidolophini, kodwa nakwiindawo zasemaphandleni. Kukho inani lezinto ezibangela ukuthandwa okunjalo:
- Iindleko zeemitha ezi-square zempahla yezindlu kwiindawo zokuqala zokwakha zincinci kakhulu kunexabiso lezindlu ezigqityiweyo.
- Izakhiwo zokuhlala ezilungele ukuhlala okanye ezingekho indawo zokuhlala zihlala ziphantsi koqeshiso, okuzisa inzuzo ethile kumtyalo-mali.
- Ngeemeko zezoqoqosho ezizinzileyo, amaxabiso okwakhiwa kwezindlu zasesekondari aya kukhula, ngakumbi kwiindawo ezinezibonelelo eziphuhlisiweyo.
- Iipropati zasemaphandleni azifaneki zilahlekelwe yixabiso. Ingqalelo eyongezelelweyo ekukhuleni kweendleko zezindlu kungakho ukuphakama kwamandla omzi kunye nommandla.
- Ukongeza kwindlu yokuqashisa, utyalo-mali kwihotele yeehotele ziqhelekile, ngakumbi ukuba ummandla ukhangela abakhenkethi.
Utyalo mali kwezolimo
Njengomgaqo, iinjongo zokutyalomali yilezo zinto umtyalo-mali uzibeka yena xa ekhetha into yokutyalwa kwemali. Ngokuqhelekileyo oku kuzuzwa ngemali, kodwa ngamanye amaxesha imisebenzi ingaba yentlalontle okanye impilo yendalo. Yintoni utyalo-mali kwicandelo lezolimo?
Oku kukutyalomali kwemali yokwakhiwa nokugcinwa kwemfuyo yeefama kunye nezakhiwo ze-agro-industrial complexes. Isiphumo saloo mali-mali asixhomekeli kuphela ekuveleni kwabo kunye nokubonelela ngokufanelekileyo, kodwa nangoluhlobo lwezolimo okanye izityalo, indawo, iimeko zezulu kunye neemeko zemozulu.
Kukho ezinye iimpawu zolu hlobo lotyalo-mali:
- Ixesha elide lokulinda inzuzo lixhomekeke kwimimiselo yokukhula izityalo, ukuqokelela, ukuyiqhuba nokuyithumela. Imeko efana nayo isebenza kwimfuyo.
- Ubungozi obuphezulu - impembelelo ekuvuneni kweemeko zemozulu, ubukho bezifo zemfuyo okanye iintaka.
- Isidingo sokuhlaziya umatshini wezolimo, ukuqaliswa kobuchwepheshe obutsha kwimveliso yesityalo kunye nemfuyo.
Ukuqonda ukuba yiyiphi imali-mali kunye nendlela esi sixhobo semali esisebenza ngayo kubalulekile ukubala iindleko ezifunekayo kunye neenzuzo eziqikelelweyo. Ukukhetha into okanye i-asethi yotyalo-mali, kubalulekile ukuqwalasela ingozi, iindleko zexesha kunye neendleko ezinokuhamba kunye naluphi na uhlobo lotyalo-mali.