Impembelelo yokulinganisa ihlala inzima kubaTyalo-mali
Ngamazinga okugcina umdla, iimvavanyo ezintsha ziyaqhubeka zizama ukuzama nokunceda abatyali-mali banempembelelo enhle kuluntu kunye neentengo zabo zentalo-mali, kodwa njani lo msebenzi wenzeni, kwaye unokusebenza njani?
Sasiveze ngaphambili kwinqaku kunyaka ophelileyo kunyaka weendwendwe kule ndaba, kodwa kwenzeke ntoni ukususela oko?
I-BlackRock, utyalomali-zimali omkhulu wehlabathi kunye ne-4.5 trillion zama-dollar asethi phantsi kolawulo, uninzi lwabaninzi ngemveliso entsha "yempembelelo", kodwa ifunyenwe kuphela i-dollar ezingama-20 kwiimpahla okanye i-.0004 ipesenti zeempahla zabo.
Ingxelo ephezulu yeJPMorgan ethi " Amehlo kwi-Horizon " esuka ngoMeyi 2015 yabona ngaphantsi kweebhiliyoni eziyi-100 zamarandi ezityalo-mali ekutsalweni kwemali, kunye nolwabiwo lwabiwo olwenzelwe ukufikelela kwiinkonzo zempilo, imfundo kunye neenkonzo zezemali kubantu abaphantsi. Izizathu ezinokuthi ziqiniseke, kodwa ukuba unomdla wakho kummandla, ngoko umbuzo oyintloko uba nefuthe lokutyalombela wonke umntu, kwaye yintoni na kwaye akunjalo?
Iyintoni Impembelelo yokuTyalwa kweMali ngokwenene
Ezinye iinkcazo zempembelo yokutsalwa ziquka amandla avuselelweyo kunye nezinye izisombululo eziphantsi kwe-carbon, kodwa nge-Bloomberg New Energy Finance ibona izigidigidi ezingama-318 ngo-2014 (kunye ncinane ngaphezu koko ukuba uquka umsebenzi we-M & A), ngokucacileyo luphawu olungaphezulu kweJPMorgan enye ngasentla. Ezinye iinkcazelo zempembelelo yokutyalomali zibandakanya izicwangciso zendalo. Oku kubangela ukudideka okukhulu kwimarike.
Umzekelo weklasi wefuthe lokutyalomali uza kuba yiSizwe sokuqala eCanada ukuxhasa iifama zomoya ukuze zisebenzise amandla.
Oku kuya kubangela ukudlala okufanelekileyo kathathu kwintlawulo yendawo, inzuzo yendalo, kunye nokubuyiswa kwemali. Kwaye ke inxaxheba ekutyala imali ingancinci kwezinye iimeko iibhuloho zendalo, ezentlalo nezentlalo. Emva koko kukho iFort Foundation. Eli nqaku elibalaseleyo ligxininisa ukuzinikela kukaFort Foundation ukulungisa ingalingani.
Ingaba kuncedo ekunciphiseni impembelelo ekutyaleni ke kwiindawo zentlalo, ingakumbi ukuba njengomzekelo wokuqala ngasentla, kunokufumana inzuzo engqongileyo kunye neentlalo kwi-investment single?
Konke oku kuchaziwe, enye ingxaki ithintela utyalo-mali aluyikusombulula ukuba yonke intsalo-mali ingaba neempembelelo ezintle nezimbi, ngokuqinisekileyo kwindlela yokusingqongileyo.
Siya kumemeza ukuvavanywa nokwakhiwa kwezentlalo kwi-B Corporations kunye nokwakhiwa kwe-Benefit Corp kunye nezinye iindidi zentlalo yoluntu, kunye nokuzama ukutsalwa kwezobume bezityalo ezifana neBondmate Bonds. Nangona kunjalo, kunikezelwa ukuba yonke imali ingabangela impembelelo engafanelekanga njenge-carbon dioxide kunye nezinye iirhasi zokushisa i-greenhouse, kubalulekile kubo bonke abatyali-mali ukuba iimpembelelo zetyala zaliphi na utyalo-mali ziqondwa .
Ukuyiqonda njani Impembelelo yeNet
Ngaloo ndlela utyalo-mali lwendalo luyakwazi ukuzithemba nokuthembeka ngaphandle kokuthi i-ethanol eyenziwe ngqolowa ibe nemigangatho embi engafanelekanga njengamaxabiso aphezulu okutya okanye amaxesha ombane aphelelwe yinto engeyona inzuzo kummandla.
Kuphela ngokuqonda nokubonakalisa inzuzo ye-intanethi iya kuthi uvavanyo lokutsalwa kwe-investment lufumane inzame phakathi kweqela elikhulu labatyalomali bakawonke-wonke.
Oku kuhlala ithuba elikhulu kwi candelo lezemali ekubuyiseleni ukuzithemba ekulahlekeni ngexesha lokugqibela kweengxaki zemali.
Oku kubandakanya iiklasi ze-asethi ezifana neziseko nakwiziko. Apho imigangatho yokuzinza kuseyiyo umsebenzi ngokuqhubekayo kunye nokubambisana kwamaqela amasha, umgangatho omtsha kunye neempembelelo ezifakwe kwi-intanethi ziya kubonakala njengesiphumo esibalulekileyo kwimpumelelo.
Kubatyalomali abanomdla kuzo zonke abakwenzayo, omnye uya kubhekisela kumsebenzi wamva we-PRI apho kuvele khona isiKhokelo seNtsebenzo. Oku kuquka ukukhetha ngokuzikhethela kwisisombululo sokutsalwa kwezocwangciso kwindlela yokusingqongileyo kunye / okanye yezenzo zentlalo, ukudibanisa nokubandakanyeka neenkampani, abenzi bomgaqo-nkqubo kunye nabaphathi bezikhwama zangaphandle, nokuthengisa izikhundla kuphela emva kwenkqubo ecingayo.
Nangona ijoliswe kubanikazi bee-asset ezinkulu, esi sikhokelo esitsha se-PRI sinokufaka isicelo kubarhwebi ngabanye.
Abatyalomali banga:
- Yenza ukhetho lwentlawulo ngokuzikhethela kwaye vumela abadayisi bakho kunye nezimali ezixhamlileyo bazi ukuba ufuna ntoni kwaye kutheni
- Vote iingxelo zakho zeproxy uze usebenzise igama lakho njengomnini-shareholder, kwaye
- Thengisa izikhundla ezingagqibekanga kwiimpawu zakho zobuqu kwaye ungenayo ityala, kwaye mhlawumbi uthenge ezinye iinkampani ezinezo zombini ezi zinto.
Emva koko uya kubamba iqela labanini-mali abakhulu, abanomdla njengo-AXA eYurophu, kunye neNorges Bank kunye nezimali ezinkulu zepensheni zaseDatshi, ezithathile ezi ntlobo zamanyathelo.
Unokuba nempembelelo emihle njengotyalo-mali ngokukhawuleza ukuba ucingisise, kwaye unokuthi uphumelele ngexesha elifanayo.