Ukuqwalasela Okwenza abatyala-mali belizwe lonke kufuneka balungise ukulindela
Kule nqaku, siza kujonga ukuba ngaba abatyali-mali abanako ukuthembela kwi-7% ukuya kwi-8% yonyaka ebuyiswayo xa beceba ikusasa labo.
Ubungenako Ukubuyiswa Okuphantsi
UMcKinsey & I- Returns Yokunciphisa Ukubuyiswa Kwetyala: Kutheni AbaTyalo-mali Bayadinga Ukunciphisa Izinto Abazilindeleyo baxabana ukuba imikhosi eqhubekele ukubuyiswa kotyalo-mali ngokugqithiseleyo kwiminyaka engama-30 edlulileyo iyancipha kwaye ibuye iguquke. Ixabiso lentengo kunye nemigangatho yenzalo yawa ngokukhawuleza kwiintsika zazo; Ukukhula koqoqosho lwehlabathi lonke kwakomelele; Iimpawu zentlalo efanelekileyo zikhoyo; kunye ne-teknoloji kwandisa kakhulu umkhiqizo kwimali ephezulu.
Ngokukhula kancinci kwaye ixabiso lentengo liphantsi, i-ingxelo ibonisa ukuba ukubuyiswa kwamanani ase-US kunokuhla kwe-4%; Izivuno zikaRhulumente zaseburhulumenteni zase-US zinokungena kwi-zero; Amazwe aseYurophu angalinganisa i- 4.5% kuphela; kunye neentsebenziswano zikaRhulumente zaseYurophu zingabhekisana nantoni - njengokuba sele sele zikhona kwezinye iindawo.
Ngaphantsi kwimeko yokuphucula ukukhula, ingxelo ibonisa ukuba kubuyiselwa ukubuyiswa okuthobekileyo, kodwa kusekho ngaphantsi kwe-20 ubudala.
Ezi ntlawulo ezincinci zingaba nefuthe elibi kumalimi-mali ngabanye kunye namaziko ehlabathini lonke. Ngokomzekelo, ingxelo ibonisa ukuba u-2% umahluko phakathi kwembuyekezo yonyaka ngokubanzi kwithuba elide lithetha ukuba umntu oneminyaka engama-30 namhlanje kufuneka asebenze iminyaka eyisixhenxe ngaphezulu - okanye phantse kabili ukugcinwa kwabo-ukuba baphile kunye nokuthatha umhlalaphantsi .
Imali yomhlalaphantsi kawonkewonke kufuneka kwakhona ilungelelanise ukulindela kwabo okanye ukunciphisa ukuhlawulwa.
AmaCatalyst for Returns Highers
Ingxelo kaMcKinsey neNkampani igxininisa ezinye izinto ezibalulekileyo ezinobungozi eziza kuguqulwa kwimbuyekezo engaphantsi kwiminyaka ezayo, kodwa kukho abanye abahlalutyi abakholelwa ukuba ikusasa linokukhanya ngakumbi njengoko iimarike ezikhulayo zikhula kwaye ubuchwepheshe obutsha buguquke. Nangona ezi zihlandlo zihlala zixhomekeke kwizilindelo ezizayo malunga nokusebenza kwangaphambili, umphumo wetheknoloji kuma-2000 awunakuphikiswa.
Ukuphazamiseka kwezobuchwepheshe ngaphaya kwamanqanaba nantoni na ukujonga namhlanje kunokukhawulezisa umkhiqizo owenziweyo ("GDP") ukukhula kwikamva. Ngokomzekelo, ukuziphendukela kwemvelo kunye nokusetyenziswa kwemishini yamashishini kunye nolwazi lweengcali kuzo zonke iindimbane zamashishini zingenza abasebenzi bavelise ngokuphawulekayo kwimpumelelo eqoqosho. Ngokutsho kweQela lokuHlola , i-intelligence engenziwayo ingaba nefuthe le-5.89 trillion kwiimpembelelo zehlabathi lonke kwiminyaka eyi-10 ezayo.
Iimarike ezininzi ezikhulayo nezomhlaba nazo zivuthiwe ukukhula kwangaphandle kwimiyaka ezayo ukuba zilungise kwaye zivuthiwe. Nangona iChina ibe yinto ecacileyo yokukhula kwiminyaka emininzi edlulileyo, iindawo ezilungileyo eziye eNdiya nasePakistan zinokuqhuba ukukhula okuqhubekayo kunye nokutsha ngaphandle kwehlabathi eliphuhlisiweyo.
Ngokutsho kwe-EY, iimarike ezikhulayo zingabangela i-50% ye-GDP yomhlaba wonke kunye no-55% wokutyalomali-mali oluzinzileyo ngo-2020.
Ukugcina iPortfolio kwixesha elizayo
Abatyalomali bamazwe ngamazwe bathabatha iimbono ezi zombini xa bakha nokugcina iipotifoliyo zabo ngekamva.
Ukuqala kokubanjwa kukuba imbuyiselo engaphantsi ifumaneka ukusebenza kwangaphambili, oko kuthetha ukuba abatyali-mali kufuneka bahlaziye ngokuqinisekileyo ukulindela kwabo ngokufanelekileyo. Oku kunokuba kuthetha ukucwangcisa ukutshala imali eyongezelelweyo kwimali yokuqala ukwenzela ukuvelisa iifayile ezifanayo emva koko ebomini okanye ukulibaziseka umhlalaphantsi ukwenzela ukuba kunikwe iminyaka engaphezulu kwimarike. Nangona ukuhamba kusenokubakho buhlungu kwithuba elifutshane, inzuzo enokuba neyaneleyo yokuthatha umhlalaphantsi phantsi kwendlela ifanelekile.
Okwesibini okuthatyathwayo kukuba abatyali-mali bangadinga ukujonga ngaphaya kweemarike zemveli kunye neeklasi ze-asethi ngamathuba angcono okukhula.
Ngokomzekelo, abatyali-mali basemhlabeni bangabheka ukwandisa ukunyuka kweemarike zabo ezikhulayo kwiminyaka ezayo njengoko beba yingozi kakhulu kwaye banikezela iintlawulo ezinyanzelisayo xa kuthelekiswa neemarike eziphuhlisiwe. Kwakhona kunokwenzeka ukuba kuncitshiswe ukunciphisa ukutyunjwa kwebhondi kwaye kunokunyusa ukwanda kwecandelo letheknoloji .
Ngaphantsi
Abatshali-mali ngabanye baye batyelwa ukuba baceba ukubuyela ngonyaka kwi-7-8% udidi xa beceba ukuhlala umhlalaphantsi, kodwa ezi ntlobo zentlawulo zingenako amathuba eminyaka ezayo, ngokwemibiko kaMcKinsey neNkampani. Nangona uphumelelo olutsha lwezobuchwepheshe lunokutshintsha ezi zibikezelo, abatyali-mali kufuneka bacebe ngakumbi kwaye ba nethemba elifanelekileyo ukuze bakwazi ukulawula kakuhle imali yabo kunye nokuqinisekisa umhlalaphantsi oxhaswa ngemali ngexesha.