Izinketho zixhobo zokuthengisa ezimangalisayo. Bavumela ukuba abatyali-mali kunye nabahwebi bafumane umgangatho omkhulu kwiimarike. Izinketho zezixhobo kuphela ezinikeza abathathi-nxaxheba bemarike ithuba lokwenza imali kwiimarike eziphakamileyo, ukuya ngaphantsi okanye kungadluli nonke.
Okukhethiweyo kukuba, kwizona zinto eziphambili, izixhobo ezibonisa ukungahambisani kwemarike. Kwihlabathi lezinto ezibonakalayo, ukhetho luncedo ngokukodwa njengemveliso yinye, ukuba ayinayo iklasi ye-asethi eninzi kakhulu.
Okukhethwa kukho yintengo yomshuwalense, abathengi bezinto ezikhethiweyo abaqinisekisiwe kunye nabathengisi bezinketho benze njengenkampani yomshuwalense.
Call Vs. Khetha izinto
Ifowuni uze ufake izinto ezikhethiweyo . Ifowuni inika umthengi ilungelo lokuthenga ngelixa ukubeka kunika umthengi ilungelo lokuthengisa. Uninzi lweendlela zokuthengisa abathengi bakha izithuba zeemakethe ngokusebenzisa ukudibanisa ukhetho. Uhlobo oluthengwayo lorhwebo luhlobo lokukhetha olusasazekayo. Okukhethwa kukho ngamaxabiso omatyala asondele kweli xabiso lemarike lithengisa amanani aphezulu, okanye iipresimesi, kunezo eziphambili kwixabiso lemarike langoku. Ngokomzekelo, ukhetho lwefowuni kwioli engcolileyo kunye nelungelo lokuthenga i-oyile kwi-$ 34 kwiinyanga ezintathu xa ixabiso lempahla yamandla yi-$ 30 ngomgqomo, libiza ngaphezu kwekhefu lokukhetha unelungelo lokuthenga kwi-$ 50 ngexesha elifanayo . Makhe sithi inkokhelo ye-$ 34 yokuphela kokuphela kweenyanga ezintathu i-$ 5. Ngethuba elifanayo, ukhetho lwe-$ 50 lwefowuni yokuphela kwexesha elide lingaba ngu-0.50.
Kulo mzekelo, ukuba uthengisa i-$ 34 yefowuni yekhowudi, ungathenga ukuya kwii-$ 50 ezikhethiweyo zokufowunela ngaphandle kwepalamum. I-$ 5 eyayifumana ukuthengiswa kweefowuni enye ye-$ 34 iya kuhlawula i-$ 5 ehlawulwa ukuthengwa kwee-10 $ ezikhethiweyo zeefowuni kwi-50 centi nganye. Ukuba ioli engcolileyo yayiya kuma-100 e-100 ngaphezu kobomi bokusasazeka, umphumo womndiliba uza kuba yinzuzo ye-$ 434 ngemitha yokusabalalisa.
Uza kulahla i-$ 66 kwi-$ 34 yokukhethwa kwentengiso, kodwa ngexesha elifanayo, inzuzo kwii-10 ezikhethiweyo zokufowunelwa ziza kuba yi-$ 500 ngomgqomo (ngamawaka e-$ 50). Ilahleko ephezulu kule shishini yayiza kuba yi-$ 16 ngomgqomo ukuba i-brude yayiya ku-$ 50 ekupheleni. Nangona kunjalo, ukunyuka kworhwebo kungenamkhawulo. Ukuba ioli yaya kwi $ 150 ngomgqomo ngaphambi kokuphelelwa yisikhathi, lo shishino luya kubangela inzuzo ye-$ 884 ngemitha yokusabalala eyenziwe. Ukongezelela, oku kwasasazeka kungaphumelela nakwixesha eliphantsi xa umntu ecinga ukuba imarike ihamba kakhulu. Ukuthengisa okukhethiweyo kufutshane kunye nokuthenga umlinganiselo wezinto ezikhethiweyo ezikude ukusuka kwintengo yemarike yangoku kunye nokuphelelwa yisihlandlo esifanayo kunokuvelisa inzuzo enkulu xa imarike ihamba ngokukhawuleza.
Ukubethelwa kwi-Volatility
Ekubeni i-premium ye-premium yokukhetha iyintando, xa uthengela ukhetho owenza ukubheja okuya kukhula. Xa uthengisa ukhetho, uthabatha ukuba ukunyanzeliswa kuya kuhla. Ngoko ke, ukukhetha umlinganiselo wokhetho apho umntu uthengisa izinto ezimbalwa kunokuba kuthengwa zilinganisela ukubethelwa kwintliziyo. Ukuba yenzayo, zonke iinketho zikhuphuka kwixabiso kodwa izinga lokutshintsha kwipesenti yeendlela ezikhethiweyo ziba zikhulu kunokuba kuthengiswe.
Iimarike zexesha elizayo zinika umgangatho wabathathi-nxaxheba beemarike; ukhetho lwemakethe lunokwandisa ukuphakamisa ngaphezulu. Ehlabathini lokurhweba kunye nokutshala imali enkulu umvuzo oyifunayo, umngcipheko omkhulu kufuneka bawuthathe. Ukukhethwa kwenkqubo yokwenyuka kuyisiphakamiso esiyingozi, kodwa xa behlawula i-profits bangaba ninzi kakhulu.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.