Ukuvavanya Ukunyamezela Kwakho Ingozi: Ixesha Lakho lokuPhala
Ixesha liyona nto ibaluleke kakhulu kwi-equation risk. Nangona utyalo-mali oluthile lufumana amaxabiso atshanje, i-intanethi ingakhankanywa ngaphandle kwexesha. Kwiimarike ezibophekileyo, imizekelo emihle kakhulu emihle kakhulu kunye neemeko ezikhulayo . Bobabini basesiphelo esiphezulu senqanaba lomngcipheko, kodwa bobabini baye banikela ukubuyiswa kwexesha elide .
Utyalo-mali kunye nexesha elide elide (iminyaka emihlanu ukuya kweyishumi) usemgangathweni wokumelana nokunyuka kwexesha elifutshane ekutshintshiseni ukubuyiswa kwexesha elide. Ngakolunye uhlangothi, umntu ofuna imali ngokukhawuleza kwaye angabamba kuphela unyaka okanye amabini kufuneka asebenzise utyalo-mali obuthathaka. Isizathu? Ukuba ngaba utyalo-mali ngexesha lexesha xa amava otyalo-mali aphezulu, usuke ungenawo ixesha lokwenza ilahleko.
Ngenxa yalesi sizathu, abatyali-mali kufuneka baphephe ukuthabatha ngaphezu kweyona nqanaba elincinci kakhulu lomngcipheko ngemali abayifunayo ngenjongo ethile kwisithuba esilandelayo ukuya kwiminyaka emibini -thi, ukuhlawula kwindlu, ukuhlawulwa kwekholeji, njl njl.
Ngale nto engqondweni, umgaqo osisiseko wesigxina nguwe: mfutshane ixesha lakho, ingozi engaphantsi oyifanele ukuyithatha. Ngakolunye uhlangothi, ixesha elongezelelweyo lithetha ithuba elikhulu lokubeka umngcipheko, ingakumbi ukuba uneminye imithombo yengeniso okanye inani leminyaka yokusebenza elingaphambi kwakho.
Ukuvavanya Ukunyamezela Kwakho Ingozi: Ungayithatha Kangakanani Ubunzima?
Kwezinye iimeko, kubakho abatyali-mali abanokubamba ixesha elide lokuba banako ukubeka umngcipheko nje ngokuba bengathandi ukubona ukubaluleka kotyalo-mali babo behla kwixesha elifutshane.
Ukuba ucinga ukuba ungabakho kule nqanaba, utyalo-mali obuncipheko obuphezulu mhlawumbi alukho kuwe.
Enye indlela yokuvavanya ukuba utyalo-mali lufanelekile ukuba ukhangele imbali yayo yamanani, efumaneka kalula kwiwebhusayithi ye-intanethi njenge-Yahoo! ZeMali. Ukuba ubheka emva kwaye ubone utyalo-mali uye wabhekana nokuhla kwexesha elibukhali, cinga ngezinto oza kuyenza kuloo meko. Ukuba ukuphendulwa kwakho kokuqala kuya kuba kukuthengisa, mhlawumbi unokunyamezela okuphantsi kweengozi.
Umzekelo ogqithiseleyo ngumsebenzi wokubambisa izibophelelo eziphezulu ngexesha leengxaki zemali ka-2008. Kwiinyanga zokuqala ezilishumi elinanye zaloo nyaka, iimali eziphezulu ezivunayo ziye zalahleka ukusuka kwi-25% ukuya kwi-35% yexabiso lawo. Ngaba unako ukumelana nokuhamba okunjalo? Ukuba akunjalo, kukho ithuba elihle lokuba uthengise i-fund yakho ye-bond bond xa ubhekile kwaye uvalelwe ekulahlekelweni-oku kuthetha ukuba awuyi kukwazi ukufumana inzuzo ekuphumeni kwayo emva kweminyaka eyalandelayo.
Ngokuqhelekileyo, nangona kunjalo, abatyali-mali kufuneka bathathe ubuninzi bomngcipheko njengoko kufanelekile imeko yabo. Ngoxa kungekho mntu uthanda ukubona ukubaluleka kohlalo lwazo lokutshala imali - nangona-mngcipheko wexesha elifutshane ngokubanzi lukhokelela ekubuyiseni kwexesha elide.
Oku kubaluleke kakhulu ukugcina engqondweni kubantu abatsha, abanalo ixesha kwicala.
Ukuziphendulela : Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lithathwe njengengcebiso-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso. Soloko ubonisana nomcebisi-mali kunye neengcali zerhafu ngaphambi kokuba utyale.