Ngoobani abatyali, okanye phi imali kwishishini

Ihlabathi mihla lee ngaphandle ngokupheleleyo-epheleleyo ingeniso yorhwebo-mali. Ayisafuni nakucaciswa yona into yokuba nayiphi na ubudlelwane izinto ziya kulawulwa yimithetho ethile kunye nabantu. Ngenxa yoko, kweli nqaku siza kufunda okungakumbi ngubani na izimali, yintoni indima yabo ubudlelwane zemali yamazwe ngamazwe kunye negalelo kuphuhliso loqoqosho ngamashishini ahlukahlukeneyo.

definition

Ngoko nangoko, siphawula ukuba namhlanje oko kwenzeka ehlabathini kukuba nayiphi na iprojekthi ethembisayo abayi kufumana uphuhliso olululo, ngaphandle ekuziseni kuyo amanye amanani emali.

Ngoko ke, ngoobani abatyali mali? Ngokutsho isigama wazivuma, kuba ngumntu (emzimbeni zomthetho), ngubani imali yazo ku ezahlukeneyo yoyilo kunye nenjongo enye - ukufumana yenzuzo ngokwabo.

amandla

Ukutsala abatyali kunika umntu ithuba ukukhulisa ishishini labo ukuya kwinqanaba entsha, ngaphezulu. Ukongeza ekuziqondeni ngcono ngubani abatyali mali kufuneka wazi ukuba imali eyabelwe yona amaninzi isetyenziselwa ukwanda, ezifana umthamo imveliso, ubuchwepheshe ngokunyusa kunye nezixhobo, uqeqesho lwabasebenzi, eqhuba imisebenzi yophando.

imithombo mali

Fumana imali namhlanje ukuba enze imisebenzi ebicwangciselwe, unga:

• iziko zebhanki;
• kwi mali;
• ukusuka mali labucala.

Nganye kwezi zinto ziya kuqwalasela ngokweenkcukacha.

Kuqala kwinto zonke, siphawula ukuba nayiphi na ibhanki - ukugcina imali eninzi, kodwa oko akuthethi ukuba umnini kukuphosa kuzo zonke iindlela. Kubalulekile ukuqonda ukuba bagcini utyalo-mali lwabo kangangoko kunokwenzeka zama ukuphepha ingozi. Ukuze senjenjalo, baya kubeka phezu kubaboleki zabo iimfuno engqongqo kakhulu.

Ngokupheleleyo zonke iibhanki asebenze-mali kuphela xa imeko yemali izinzile le nkampani, ezama ukuboleka imali. Ngokufuthi, iziko zemali kufuneka inike akananto okanye uhlawule imali ngokuyinika ekhulwini ethile. Ngelo xesha kubananisi ziyajongwa ukufunda amaxwebhu, kwaye ukuba kukho yokuthandabuza malunga yokuhlawula amatyala emntwini, umba imali inqabile.

Yimani, ezimkayo bangaphi abatyali-mali , mali leyo. Le yindlela elula nomtsalane ukuba ukutyala imali iiprojekthi ezintsha.

Ngenxa yoko, utyalo-mali labucala kunokwenzeka kuphela xa umntu othile ubona nomdla wakhe inxaxheba kwimisebenzi ethile yaye uyaqonda ukuba ngenxa yakhe imali imali iya kubuyela inzuzo. Ngokwenene, umtyali ngasinye ikhethiwe ngamnye kuxhomekeka ishishini. Noko ke, umthengi kuya kufuneka ukuba isicwangciso soshishino okanye izibalo kubugcisa nakuqoqosho ngokusekelwe eza kumiselwa nengqiqo intsebenziswano ngakumbi phakathi isakhono amahlakani. Kodwa nayiphi na imeko, utyalo-mali labucala kufumana kulula kakhulu kwesivumelwano kunye kwibhanki okanye umfela-mali eyinkunzi.

market Securities

Eli icandelo zehlabathi kwiimalike zemali unabo ezahlukeneyo abadlali. Kwakhona qaphela umlinganiswa, njengoko umtyali-mali. Umsebenzi ophambili we umntu ngokwendalo okanye ngokomthetho kukuba imali kangangoko kunokwenzeka ngokusetyenziswa kwe portfolio zakhe zotyalo-mali kunye kakuhle isicwangciso salo babecinga-eyabo. A kujonga iintlobo data abatyali-mali.

• zimali ndlongondlongo. Yena ziqhutywa lulangazelelo ukuphumeza yenzuzo. Amaxesha amaninzi, ubeka imali iiprojekthi ezintsha, elingaziwayo ngokupheleleyo ukuba kwixesha elide ukuzisa udumo kunye inzuzo enkulu. Kulo mzekelo, ingozi iphezulu kakhulu.
• zimali Conservative. Kuye njengoko injongo yayo engundoqo ukwenza ingeniso ngokusekelwe lotyalo iindleko. Akazange esukela ubukhulu, kodwa nozimiseleyo ukuthembeka kunye imali yokhuseleko.
• zimali Moderate. portfolio yayo yotyalo bekusoloko ulungelelwano phakathi adventure nengqiqo. qho, kuba izibambiso karhulumente, kwizabelo-waziwa kakuhle kunye neenkampani ezinzile kakhulu kunye neenkampani.

ukwabelana inzuzo

Kuzo zonke cala bokuqonda yayo. Kule nkalo asifanele, ukucinga ukuba imali eyabelwe uphuhliso lweshishini okanye ishishini, banjalo. Zonke iinkampani-abatyali bafune kuphela ukuqinisekisa ukuba bafumana umvuzo aphezulu kangangoko. Nangona kukho imizekelo apho umboleki ngokoqobo 'licudisa "imali eyinkunzi nenzala. Ngoko ke, ngokusekelwe kwi-S & P 500 zinde hlabathi uluhlu njengoko Berkshire Hathaway, Google kunye Apple azikho nomdla kakhulu ukwabelana iingeniso kunye abagcinisa zabo, yaye oku nangona yokuba aziyi kuqwalaselwa ilahleko. Iingcali zithi xa ezi nkampani baye babhenela zabelo zabo nazo baza kuhlawula imali ethile enkulu, kunokuba kunjalo ngoku, ixabiso izabelo ezi Titans zemakethi zobuchwepheshe obutsha liye landa kakhulu.

Sithemba Ngalo eli nqaku wena yacaca ngubani abatyali yaye kutheni lukhona.