Abacebisi bezoTyalo-mali banokukunceda uhlale uhamba
Abanye abacebisi bezocalo-mali basebenza ngendlela epheleleyo ekujongeni zonke iinkalo zobomi bakho bezezimali kunye nokuhlanganisa isicwangciso sotyalo-mali olubanzi. Oku kudla ngokuba kuthiwa "ulawulo lobutyebi." Abanye abacebisi bezocalo-mali banokugxininiswa okuncinci, njengokuba yingcali kwii-stocks ezihlawulelwayo-mali, okanye amabhondi kamasipala.
Njengabacwangcisi bezezimali, uhlobo lolawulo lobutyebi lomcebisi-mali kufuneka luqonde iinjongo zakho zemali. Oku kuthetha ukuba kufuneka bakwazi ukuba uza kulusebenzisa nini imali yakho, noko uza kuwusebenzisa. Bamele baqoke iinkcukacha zomntu kunye nemali malunga nawe. Bamele bathathe ixesha lokuqonda ukunyamezela kwakho kwengozi, izinga lakho elibuyelweyo lokubuyisela, kunye nekhono lakho lokubambisa imali.
Umcebisi otyalo-mali oza kusebenzisa olu datha ukuhlalutya iimali zakho ezikhoyo kunye nokwenza iingcomo malunga noko kufuneka uyenze phambili.
Umcebisi-mali osisigxininiso ngokuqhelekileyo akayi kuhlanganisa isicwangciso esipheleleyo. Kunoko, bagxininisa ukwabelana ngesicwangciso sabo kunye neziphumo kwindawo yabo yobuchule.
Kuqhelekileyo ukuba umcebisi wolawulo lobutyebi-mali uqeshe abacebisi abatyalo-mali abancinci ukulawula ezinye iipotifoliyo.
Luphi uhlobo lwengcebiso olunokuthi lube luphelele, ulawulo lobutyebi lomcebisi-mali undipha?
Umcebisi ojolise ekuphathweni kobutyebi uya kukuxelela:
- Yintoni ozoyifaka kuyo
- Ingaba kuthengwa amasheya okanye imali kunye
- Ukuba kufuneka usebenzise imali yenkcazo okanye abaphathi beengxowa-mali ezisebenzayo
- Ziziphi iimali-mali zokusebenzisa ngaphakathi kwiakhawunti yakho yomhlalaphantsi
- Ziziphi iingozi ezinxulumene notyalomali ngamnye
- Yintoni ekulindelekileyo yokubuyisela ongayifumana kwi-portfolio yakho
- Ziziphi iimali omele uzinike zona kwii-akhawunti ezingabikho komhlalaphantsi
- Ziziphi iintlobo zeerhafu ezihlawulwayo eziza kuzaliswa
- Ungayilungisa njani utyalo-mali ukunciphisa imali engenayo
- Ziziphi iirhafu ozakuzenza xa uthenga okanye uthengisa imali-mali
Ndingafuna nini na umcebisi-mali osisigxina?
Ndiyakwazi ukucinga ngemibandela embalwa apho umntu angadinga umcebisi-mali-mali ngolwazi oluthile lobuchule. Nazi ezimbalwa:
- Unayo ininzi yesikhombi senkampani kwaye ufuna ukufumana umntu obhala okukhethwa kukho, okanye ubeke umnxeba kule sitoksi.
- Uzuze iphothifoliyo enkulu yama-stocks okanye amabhondi kwaye kufuneka ufumane umntu ekukuncedeni ukulawula ezi ntengiso okanye ukuthengisa ngazo.
- Ufuna ukudala ireyithi yebhondi kwimali engenayo yomhlalaphantsi kwaye kufuneka ufumane umcebisi-mali-mali ojolise ekwakheni lolu hlobo lwepotfolio.
Abacebisi bentengo-mali batyala njani?
Abaninzi abacebisi-mali-mali batyala intlawulo yepesenti yeempahla ezilawulayo egameni lakho. Le ntlawulo ihlala iphakamileyo kuma-akhawunti amancinci, kwaye iphantsi kuma-akhawunti amakhulu. Uhlu oluqhelekileyo luya kuba ngamaphesenti amabini ngonyaka kunyakatho oluphezulu kwi-akhawunti eyi-$ 50,000, ukunyuka kwisiqingatha sepesenti ngonyaka ukwenzela i-akhawunti eyi-5,000,000 okanye ngaphezulu.
Esikhundleni salo, okanye ngaphezu kweemali zokulawula i-asethi, abanye abacebisi bezocalo-mali bangabhadela ngeendlela zilandelayo :
- Ireyithi yehora
- Imirhumo epheleleyo yokugqiba ukuhlaziywa kwepotfolio yakho ekhoyo
- Imirhumo yekota okanye yonyaka yokugcina
- Iikhomishini ezihlawulwa zona ezivela kwimali okanye ngempahla ye-inshurensi oyithengayo
- Ukuhlanganiswa kwemirhumo kunye neekomishoni
Ndiyakwazi njani ukuba umcebisi wam utyalo-mali uza kuhlawulwa?
Njalo ucele umcebisi-mali-mali ukuba uchaze ngokucacileyo indlela abahlawulwa ngayo. Umcebisi ongcono kakhulu uya kukunika inkcazelo yesiNgesi ecacileyo ukuba uyayiqonda. Wonke umcebisi-mali uyafuneka ukuba anikezele ngedokhumenti yokubhengeza ebizwa nge-ADV PART PART 2. Olu xwebhu luchaza iimbuyekezo zabo kunye neyiphi na into enokubambisana.
Iingcebiso malunga nokujonga kumcebisi-mali
Ngokubanzi, khangela oku "do" kwaye u "ungazi" xa ufuna umcebisi otyalo-mali.
- Yenza ntoni: Ufuna ukwazi apho uphuhliso lwakho lonke khona ukuze iphothifoliyo yakho iyonke iyakuqonda. Ngaphandle koko, unokuphela ukufumana uhlobo olufanayo lokutshala imali kwii-akhawunti ezahlukeneyo.
- Yenza: Nika inkcazelo ecacileyo, elula ukuyiqonda indlela abahlawulwa ngayo.
- Musa: Yenza iingcebiso kuze kube yilapho beqonda ukukhanya kwakho kwexesha elilindelekileyo, izinga lakho lamava kunye notyalo-mali, iinjongo zakho, kunye nokunyamezela kwakho inzuzo yokutyalomali.
- Awuyi: Phakamisa ukuba ufake yonke imali yakho kwisicwangciso esisodwa esicacileyo, njenge-100% kwisicwangciso esithile sokuthengiswa kwamasheya.
Ngaba abacebisi bezocalo-mali banokunika iingcebiso ngezezimali?
Iingcebiso zentengiso zihlukile kunezicwangciso zemali . Abanye abacebisi ngezocalo-mali banikela ngeengcebiso ezicwangcisiweyo zokucwangcisa imali, kwaye bambalwa banikeza isicwangciso-mali esiphezulu kunye neengcebiso zotyalo-mali.
Buza umcebisi onokuthi utyalo-mali ukuba ngaba banikela ngeenkonzo zokucwangcisa imali kwaye ukuba ezo nkonzo zifakiwe kwimali yazo. Ngaba ufuna umcebisi wezemali?