Nangona kunjalo, ngaphambi kokuba unikezele imali kwi-crowdfunding ye-investmentfunding, kubalulekile ukuba uhlolisise imeko ukuba ubone ukuba kulungile kuwe-njengokuba ungayenza nayiphi na uhlobo lotyalo-mali.
Yintoni i-Investment Crowdfunding?
Uvile nge-crowdfunding. Yivuma xa uvuma ukuthumela imali kumntu ukuba ancede ngenjongo. Kungenzeka ukunyusa imali unyango. Mhlawumbi kukubanceda bapapashe incwadi. Mhlawumbi badala imveliso kunye negalelo lakho liya kubanceda bafumane ishishini. Kungakhathaliseki isizathu, uthumela imali kwaye awulindelanga nto, ngaphandle kwesaziso sokubonga kwaye mhlawumbi isampuli esandula.
Utyalo-mali (ngamanye amaxesha obizwa ngokuba yi-equity) u-crowdfunding uhlukile. Kwaqaliswa njengenxalenye ye-Jumpstart yethu ye-Business Startups (JOBS) Act ngo-2012. Lo Mthetho wawudinga ukuba iKhomishana yokuThengisa nokuThuthukiswa kweeNkxaso (iS SEC) ukuba ifike nemithetho yokutsalwa kweentlobo zentengiso, ukuvumela imimiselo eyahlukileyo yokuqalisa kunye ne-SMBs ukuphakamisa inkunzi ngaphandle ukukhutshelwa ngenye ye-tape ebomvu efunekayo ukukhupha izabelo kunye nokubonelela ngembuyekezo yabathathi-nxaxheba.
Kukho imigaqo kunye ne-tape ebomvu, kodwa utyalo-mali lwe-investmentfunding yenza kube lula ukuba amashishini akhulise i-capital ngokuvumela abanye ukuba batyalole.
Ekuqaleni, abatyala-mali kuphela abavunyelwe ukuba babandakanyeke. Nangona kunjalo, ngo-2016, nabani na oya kuqala ukufikelela kwiipulatifomu zokutyalomali kwi-shishini elitsha, ngenxa yemithetho ebizwa ngokuba yi-Title III.
Ngoku, kunokwenzeka ukuba uthathe i-$ 100 kwisikhundla se-investmentfunding platform kwaye utyalomali imali kwithemba lokuba uza kubona ukubuyisela ukubetha i-market market.
Unotyala njani kwiwebhusayithi yeCrowdfunding Website?
Iiwebhusayithi ze-Crowdfunding ziye zavela ukususela kuMthetho we-JOBS. IiSayithi ezinjengeKickfurther, SeedInvest, kunye ne-WeFunder zonke zikunika ukufikelela kwiinkwenkwezi okanye iinkampani ezandayo ezifuna i-capital. Ukuze ubhalise, kufuneka ugxume kwiihitshi ezifanayo njengoko uzotyikitya kuyo nayiphi na iwebhusayithi. Ufuna ulwazi lomntu kunye nolwazi lwe-akhawunti yebhanki.
Emva kokuba uvule i-akhawunti yakho yezobalo-mali kunye neqonga elihloniphekileyo lotyalo-mali, ulungele ukutyalomali. Iziqonga ezahlukeneyo ziza kunye neendlela ezincinci. Iqonga elinjengeKickfurther lingafuna kuphela utyalo-mali obuncinane be-20 e-brand okanye inkampani. Nangona kunjalo, ukuba usebenzisa i-platform ye-investmentfunding platform njenge-RealtyShares okanye i-Fundrise, unokufuna ukutsalwa kwe-investing enkulu, ngo-$ 5,000 okanye i-$ 10,000.
Kukho nawuphi na, utyalo-mali lwakho usemncinci kunokuba ungadinga ukutshala imali kwimibutho efanayo. Ukuba ube ngumxhasi-mali okanye isithunywa-mali phambi kwe-investment fundfunding, udinga izigidi zeedola ukutyalwa kumgangatho ophantsi. Ngaphambi kokuba utyalo-mali lwabantu bezindlu, ungadinga naphakathi kwe-$ 100,000 kunye ne-$ 2 yezigidi nje ukujoyina iqela lokutyalomali kwaye ufikelele kwezinye iiprojekthi onokuzithengayo zibe yingxenana yesixa-mali namhlanje.
Ngaphambi Kwengozi Yakho Imali Ngomhlala-mali weCrowdfunding
Njengawo nawuphi na utyalo-mali, kubalulekile ukuqinisekisa ukuba wenze ukunyamekela kwakho. Kutyalo-mali, ngoko kukho ithuba lokulahlekelwa.
Ezinye zeziqonga ezivumela ukuba utyalomle kwiinkampani zisebenza ngokufana newebhusayithi ye-P2P yokuboleka. Ukwenza utyalo-mali lwakho njengenxalenye yenkxaso-mali kwaye uyahlawulwa xa inkampani iqala ukufumana inzuzo. Ukuba inkampani ayiguquli inzuzo, okanye iyaqhuma, awukwazi ukubona kuphela ukubuyiselwa kwentlawulo-okanye akukho ntlawulo. Unokulahlekelwa yimali yakho.
Ezinye izinto zibandakanya:
- Ziziphi iikhampani ezi ndawo? Khumbula: ezininzi zale nkampani zikwimimandla ye-website ye-investmentfunding ngoba ayikwazi ukukhanga ezinye iifom zezimali, nokuba zivela kwiintengo-mboleko okanye ngeentengo zemboleko. Nangona kunethuba unokufumana ukhetho oluqinileyo-okanye nakwi-unicorn-yinyani kukuba awukwazi ukufumana inkampani elandelayo yeebhiliyoni enye kwiwebhusayithi.
- Ngaba unokusingatha ukungabikho komthetho? Awukwazi nje ukutsala imali yakho xa ufuna. Akufani nokuthenga nokuthengisa izabelo ezinomthengisi wendabuko. Umele ulinde ukuba inkampani iqale ukwenza iintlawulo kwiintlawulo zayo. Akukho nto ithengisa ngayo ilahleko nje ukufumana enye yemali yakho eyinkunzi kwi-pinch.
- Ngaba uhlangabezana neemfuno? I-SEC ayigcini nje ukukubeka engozini yonke into. Ukuba wenza imali engaphantsi kwee-100,000 zamawaka ngonyaka, unokutshala imali engama-2,000 okanye iipesenti ezi-5 zengeniso yakho yonyaka, nawuphi na umkhulu. Ukuba wenza phakathi kwe-$ 100,000 kunye ne-200,000 zamawaka ngonyaka, i-cap iya kufika kwi-10 ekhulwini yengeniso yakho. Kwabanye abatyalo-mali, loo miqathango ithetha ukuba awuyi kuthatha inxaxheba kwiwebsite ye-crowdfunding yangaphandle, nangona ufuna.
Utyalo-mali lubeka amathuba okukhulisa ubutyebi bakho ngendlela engavumelekanga. Ngaphambi kokuba uqhubele phambili, kunjalo, kukunyamekela ukuba uqwalasele imeko yakho kwaye unqume ukuba ngaba unokunyamezela ingozi.