Ukwandisa iindlela abatyalo-mali bangakwazi ukulungelelanisa ixabiso labo kunye notyalo lwabo
Impembelelo yokutshala imali - utyalo-mali oluhambelanisiweyo kunye nexabiso lakho - lidlalwa njengoluhlu lwezinto ezicebile kakhulu. Le mfuneko ayinjalo. Ukuba unotyalo-mali, loo mali inefuthe. Umbuzo kukuba, ngaba yimpembelelo emihle okanye engalunganga? Yenza ntoni imali yakho? Ngaba utyalo-mali lwakho luhambelaniswe nexabiso lakho okanye usebenza nabo?
Awudingi ukuba ube phakathi kwabacebisi abacebileyo ukuze basebenzise imali yakho ngenjongo yokubuyisela imali kunye nokubuyiswa kweemeko zentlalo okanye yendalo.
Kuyo yonke inqanaba lemali engenayo, abatyali-mali banomdla ngakumbi kwiimpembelelo zentlalo kunye nezosingqongileyo zezigqibo zabo zezimali.
Iimpahla zezobalo-mali ezinoxanduva loluntu e-US ziye zanda iipesenti ezingama-76 kwiminyaka emibili edluleyo, ibe yi-6.57 trillion e-sector ekuqaleni kuka-2014, ngokweSiseko sase-US SIF. I-report ye-SIF ibhekisele kuyo yonke into ephantsi kwe-"ezinzileyo, ezinoxanduva kunye nefuthe lokutshala imali"
I-Millennials kunye nabasetyhini baxhomeke ngakumbi kwiinjongo zokutyalomali.
Ipesenti ezingama-45 zemali-millenniya ezibutyebi bafuna ukusebenzisa ubutyebi babo ukunceda abanye kunye nesiqingatha seGen X kunye neGen Y abatyala-mali "banokuthi" okanye "banokuba" ukuba benze utyalo-mali olujongene noluntu.
I-Pax World Investments yashicilele uphando olubonisa ukuba ngaphezu kweminyaka engama-40 edlulileyo, ukuthatha inxaxheba kwabasetyhini kwihlabathi loqoqosho kuvelise ngaphezu kwe-$ 3.5 trillion.
Ngo-2030, kucetywayo ukuba abafazi baya kubamba i-sibini kwisithathu sezoqoqosho zaseMelika. Oku kubhalela kakuhle igalelo lokutyalomali kuba ama-53 ekhulwini abesifazana abanomdla banomdla kwimali-mali enoxanduva lokusingqongileyo xa kuthelekiswa namadoda angama-33% kuphela, ama-47 ekhulwini angathanda ukutyalomali kwimali-mali enoxanduva loluntu, ngokuthelekiswa nama-33% amadoda.
Njengoko amabhinqa kunye neenkulungwane zeminyaka zilawula ubutyebi obuninzi, imfuno yempembelelo yokutyalomali iya kukhula. Nangona ukhetho luya kwanda, utyalo-mali oluninzi luyafumaneka kuphela kubabutyebi kunye neenkcukacha ezininzi zempembelelo abatyali ngabantu abazizityebi, amaziko okanye iziseko.
Kukuphi okukushiya ukuba ungenayo izigidi ezininzi ezinqambileyo ukuze ungadingi
ufumana imali yokubuyisela imali okanye awukwazi ukufumana utyalo-mali obuncinane? Cinga ngokutyalomali lwakho ngokuqhubekayo.
I-Continuum ye-Value Based Based Investment
- Akukho Mngcipheko. Cinga nje: unayo imali kwiinkampani kunye nezenzo zoshishino ongavumelani nazo? Shenxisa utyalo-mali owenza izinto ongavumelani nazo. Ezinye zezikrini ezikhethiweyo ezingabonakaliyo ngogwayi okanye ngcakazo kwaye, ngoku kutshanje, iifossil fuel.
- Yenza okulungileyo. Isikrini kwiityalo ezenza izinto ezilungileyo. Ezi zinokubandakanya iindlela ezifanelekileyo zokusingqongileyo, okanye ulwahlulo olunamandla ngaphakathi kwintlangano. Unokuqwalasela ukutshala imali kwi-B Corporations-ezo zonke ezihlangabezana nemigangatho yokusebenza yentlalo kunye nokusingqongileyo.
- Ukulungelelanisa neempawu zakho zobuqu. Kule nqanaba, utyalo-mali luya kulungelelanisa ngokwakho kunye nemilinganiselo yakho kwaye inokucocwa ngakumbi kunokuba ebanzi "yenza okulungileyo" kubhalwe ngasentla. Ukwandisa unokufumana iimali kunye kunye notyalo-bucala (nangona utyalo-mali obuthile bucala buphezulu). Unokuhlola iindidi ezichaphazela abaphathi bezolimo kunye ne-ImpactAssets50.
Iibhanki zeBhanki: Iibhanki ezintsha ezinje njengeBhanki yeNew Resource, iBhanki yeeNdawo eziNcedo kunye neBhanki yokuqala ye-Green ibonelelwe ukuba ibhenele kumakhasimende abanoxanduva loluntu. Ngokukodwa ngokuza kwebhanki ye-intanethi, ukufuphi kunye nenani leendawo eziphathekayo akunakunceda xa ucinga ukuba yiyiphi ibhanki yokuyisebenzisa.
I-Mutual Funds : Iimali ezininzi zentlalo zijolise ngqo kwiinkqubo zengxowa-mali. Ezinye iintsapho zeengxowa-mali ezinika ukhetho lokutyalo-mali-based based Calvert, PAX, Parnassus, kunye neDominini. I-US SIF iyona mithombo eninzi yokufunda ngokubanzi malunga neempembelelo okanye uxanduva lwezentlalo eziphathekayo.
Izicwangciso ze-401k: I- Social K yiplatikhi ye-401k enefuthe lokukhetha utyalo-mali. Kwaye unokucela umqeshi wakho ukuba afake ukhetho oluninzi oluchaphazelekayo loluntu kwi-401k yakho. I-RLP Abacebisi bezeMpahla yinkampani ephawulekayo kwiindawo zokubonelela ngenkxaso engama-401k yokuxhasa amaqumrhu (kwaye apho uCary Krosinsky ophephe le phepha nge-About.com uye waba ngumcebisi).
Amanqaku e-Investment Community: Amacandelo afana neCalvert kunye neziseko zengingqi zendawo zinika amanqaku okutyalomali ngamanqaku ahlukeneyo angena kunye namathuba okuthatha inxaxheba kwiiphothifoliyo ezilawulwe ngokufanelekileyo ekugxileni imisebenzi, ukwakha izindlu ezithengekayo, ukukhusela imo, nokudala ezinye iimpembelelo zentlalo.
Impembelelo ye-Thematic Impact Investment - Kuze kube kutshanje, ubuncinci obuphezulu (i-$ 250K okanye i-$ 500K) kunye neemfuno zokubhengezwa ezenza iimali-mali ezizimeleyo ezizimeleyo ezifanelekileyo kuphela kubacebisi abatyebi okanye abakwiziko. Oku kutshintsha. Amasheya abucala kunye noluntu kunye nezincinci ezincinci zingakusondeza kwiingqikithi ezithile ezingabalulekanga kuwe. Iimpembelelo ze-ImpactAssets 'eziza kusungulwa ngokukhawuleza kunye neenkcukacha zonyango ezizimeleyo zetyala ngumnye umzekelo wamathuba akhulayo ayenzelwe ukuwandisa ukufikelela ekuchaphazeni utyalo-mali.
Impact Utyalo-mali lenye i-lens yokuhlola ukutshalwa kwezimali - ingaba isikrini esilula okanye i-lens ecacileyo. Cinga ngefuthe lokutyalomali njengendlela yokuzalisekisa iinjongo zakho zokutyalomali-njengama-horizons amaxesha kunye nokwabiwa kwempahla-ungabanqobeli.
Abacebisi ngezezimali bangaba ngumthombo; ezinye zakha izenzo malunga nokutyalo-mali-based based. Bonke mabaqwalasele iinjongo zakho zophuhliso kunye nezinto ozikhethayo.
Isinyathelo esibalulekileyo kukuba uqale ukukhangela indlela utyalomali imali kwaye yintoni imali yakho eyenzayo ehlabathini. Apho ufuna khona, ungathatha amanyathelo ekubhekiselele kokulungelelanisa nemali yakho. Njengoko utyalo-mali luhamba phambili, kukho amathuba amatsha kunye namaphulo aphuhlisayo ukusebenzisa izixhobo zakho ukudala utshintsho olungileyo lwentlalo nolungqongileyo, ngelixa udala ukubuyiswa kwemali.