Ngaba Ufuna Ukuphathwa Kwemali Yobungcali?
Abanini-zimali abaninzi abanalo izixhobo okanye ixesha lokuthenga izithenjwa ngabanye , njengezikhethi kunye nezibophelelo. Ukuze uzuze ekutyaleni imali kumntu ngamnye, umtyalo-mali akafunanga kuphela izibonelelo kunye nexesha, kodwa ubuninzi bezakhono.
Kodwa ngeemali ezihlangeneyo, abatyali-mali bangakwazi ukufumana izakhono namava olawulo lwezemali.
Ulawulo lwezeMali zoBuchule
Kwimeko yenkxaso-mali , ukuphathwa kwemali yengcali kukulawula kweempahla ngumphathi wezemali. Umphathi wezezimali uza kuphanda, athengise kwaye athengise amasheya-njengoko kuchazwe kwiphishini-ukuze azuze abanini-mali beempahla zabathengi.
Umphathi wezezimali uya kujongamela lonke iqela lokulawulwa kweengxowa-mali, elingabandakanya abanye abaphathi kunye neqela labahlalutyi.
Izinzuzo ezintathu zoLawulo lweMali
1. Ubungcali boMphathi
Kwiingcamango, kwaye ngokuqhelekileyo ekusebenzeni, abaphathi beefundulwazi baxhamli banalo ubuchule ngaphezu kolawulo loluntu jikelele. Amaxesha amaninzi, umphathi wezikhwama uye wavelisa izakhono eziphambili kwizemfundo ezizodwa, amava kunye nokuqeshwa kobugcisa-njenge-Chartered Financial Analyst.
Le mfundo namava anokuncedisa umphathi wezezimali ngokugqithisa ngeenkcazo zemali zenkampani (iingxelo zengeniso, ama-balance sheet, njl.), Iingxelo zophando kunye nolunye ulwazi, kwaye ekugqibeleni uncede benze izigqibo zotyalo-mali.
2. Izixhobo zoMphathi
Iimali ezininzi zengxowa-mali ziphethe iqela labahlalutyi abaxhasa inkxaso-mali (okanye iqela labaphathi bezezimali) kwaye bancedise ukuhlalutya i-securities nganye. Eli qela labaphathi bezemali ngokuqhelekileyo linobuncwane bemithombo ukwenzela ukuba bancede bahlalutye amasheya okufakwa kwintlawulo yabo.
Umphathi wezikhwama kunye nabahlalutyi banokufikelela kwiingxelo zophando, abaphathi beenkampani, ulwazi lokhuphiswano, kunye nolunye ulwazi olubalulekileyo oluyimfuneko yokwenza utyalo-mali olululo kwi-fund.
3. Ugcina ixesha le-Investual Fund
Uninzi lwabatyalo-mali banemisebenzi, iintsapho, izinto ezithandwayo, kunye / okanye ezinye izinto ezinomdla ezichitha ixesha labo. Ngokwahlukileyo, abaphathi beengxowa-mali kunye nabahlalutyi bavuka rhoqo ekuseni bazinikezela ubomi babo bobugcisa ukuphanda nokuhlalutya ukubambezeleka kwangoku kunye nokubanakho okubambisana nabo. Ukuba ukhetha ukunyamekela ixesha lakho kunokuba udlulise idatha yedatha, sebenzisa ulawulo lwemali lobuchwepheshe.
Iindleko zoLawulo lweMali loPhuhliso
Ulawulo lwemali lwezakhono alufi ngaphandle kweendleko. Ezinye iimali zihlawula umthwalo , ngelixa ezinye iimali zingenawo umthwalo . Ezinye iimali zineemali ezi-12b-1 kunye nabanye abangekho. Ngaphambi kokutshala imali kwingxowa-mali, kubalulekile ukuqonda iintlawulo ezahlukahlukeneyo ezihlawulwayo.
Ulawulo lweMali loQeqesho: Ngaba lufanelekile kwiindleko?
Ingaba okanye ulawulo lwezemali olufanelekileyo lufanelekile kwiindleko ozihlawulayo isigqibo ngasinye. Ukuba ukhetha ukugxininisa amandla akho kwezinye iindawo zobomi bakho, ngoko ulawulo lwezemali luya kuba yinto yakho.
Ukuba awunalo ubuchule bokuthenga iziqinisekiso zobuntu kwaye ukholelwa kwiingenelo zeemali zentsebenziswano, ngoko ulawulo lwezemali olusesikweni nge-fund fund luya kuba kuwe.