Yiyiphi intsebenziswano encinci kunye nokuba kutheni bajongene noTyalo-mali bakho
Uthini umahluko phakathi kokuthenga amasheya esitokisini kunye nokutyalomali kubambiswano olunqamlekileyo? Njengomtyalo-mali omtsha, lo mbuzo ungeke uphendulwe kalula. Ekubonweni kokuqala, kucacile ukuba imiphumo yerhafu, kunye neenzuzo kunye neengxaki, zibalulekile. Ukusuka ekuthengeni iinqununu ezibambiseneyo kunye nokuthengiswa kwebhanki kunye ne-akhawunti yakho yomrhweba ukwenza ulwalamano lwakho olulinganiselwe ukuze utyalomle kunye nosapho kunye nabahlobo ngokuxuba imali, le ntsebenziswano ebalulekileyo yobudlelwane obuncinci yenzelwe ukukunceda ukuphendula imibuzo yakho ebalulekileyo kwaye ikukhokele indlela efanelekileyo ukuba xa udibana nomcebisi oqeqeshiweyo, uya kuba nesiseko kunye nenqanaba lolwazi lomqali.
Amalungu entsapho bahlala befuna ukutyalomali kunye kunye nokuhlanganisa imali yabo ukuze bafumane amathuba okutyalo-mali angenakufanelekela ubuncinane beakhawunti. Enye yezindlela ezithandwa kakhulu ukufezekisa le nto kukuqulunqa intsebenziswano ebomini. Olu hlobo olukhethekileyo lokutyala lunikeza inzuzo yerhafu kunye nezinye izibonelelo, kwaye, njengakanye nezinye izakhiwo zotyalo-mali, ulwalamano olunqamlekileyo lunokuthi lube noluncedo. Makuvumele ukuba lo mboniso uqalise ukuqonda okuyisiseko malunga nentsapho ebambisene ngayo kunye nendlela enokuzuza ngayo intsapho yakho. Inkqubo enkulu yokunciphisa irhafu yezindlu kunye nentlawulo yesipho kukudala ubambano obunqongophele lwentsapho, ukudibanisa i-asethi yakho ngaphakathi kwayo, kwaye unike inxalenye yobambiswano ngaphandle kwindlalifa yakho ngonyaka. Akumangalisi, esi sicwangciso sithile sisetyenziswe rhoqo kwiintsapho eziphumeleleyo nezityebi. Kule nqaku enzulu, ndiya kukunceda uqonde indlela esi sicwangciso esilungileyo esinokusebenzela ngayo wena nentsapho yakho. Ukuba uyaqonda ukuba yiyiphi intsebenziswano encinci, indlela abasebenza ngayo, izibonelelo zabo kunye nokungahambi kakuhle, kunye nendlela abanokukunceda ngayo kunye nepottoliyo yakho, kwaye ulungele ukudala owakho, uya kuphi na? Ingaba wenza ntoni? Kungenokuba nzima kakhulu ekuqaleni, kodwa ukuqala ngokubambisana okulinganiselwe kulula kunokuba ucinga! Ngommeli onelungelo okanye umgcini-mali kunye namakhulu ambalwa okanye amawaka eedola, unokukwazi ukwenza ulwalamano olunqamlekileyo kwiyure okanye ezimbini. Kulabo bacinga ngokubambisana ngokubambisana, ndiza kuchaza iindlela ezimbini ezithandwa kakhulu ukudala intsebenziswano encinane eMelika. Ukuba awuqinisekanga ukuba ukwenza ulwalamano olulinganiselwe kukulungele, jonga kwinqaku elingezantsi ukuze uthole ulwazi olungakumbi.
Ukuba ufunde ngamanqaku ukuya kweli nqaku, ngoku kufuneka ube nolwazi oluyisiseko lwentsebenziswano encinci, yintoni eyenzayo, kunye nento encinci yepros and its cons. Ukwandisa kwizinto ozifundileyo, kweli nqaku ndenze uluhlu lwezinto ezintandathu eziyinzuzo zokwenza intsebenziswano encinane. Ngokuqonda oko bakuyo, unokungasebenzisa kakuhle olu hlobo lwakhiwo lokutshala imali. Enye yeengxaki ezingundoqo zokusebenzisa intsebenziswano encinci kukuba umntu olawula utyalo-mali, umlingani oqhelekileyo, unelungelo elingenamkhawulo. Oko kuthetha ukuba bathabatha iitalente ezininzi kwaye izinto zihamba kakubi, yena usekhokhweni kwaye unokukwazi ukuba nazo zonke iimpahla zakhe ezikulo mgca. Ngombulelo, inani elikhulu lamazwe lidale uhlobo olukhethekileyo lwezithuthi zotyalo-mali ezibizwa ngokuba ngumthwalo ongenamkhawulelano wokubambisana ukuze kuphephe le ngxaki. Kule nqaku, ndiza kukuhamba ngokubambisana okulinganiselwe (LLLP) kunye nendlela esetyenziselwa ngayo, kunye neenzuzo kunye neengxaki zayo. Inkampani efana neCedar Fair, eneendawo eziphambili zeepaki kuma-United States naseKhanada, ngokwenene iyinxalenye ebambiseneyo yokusebenzisana kwaye ayiyiyo inkampani. Oku kunokufumana impembelelo yerhafu xa ubiza umnini-mboli wakho ukuba enze utyalo-mali. Ngaba uyazi ukuba kunokwenzeka ukuba utyalombile kwiinqununu ezibambisene kunye kunye nezabelo zesitokhwe ngaphandle kokuba wazi? Ngamanye amaxesha, ii-unit units ezinxulumene (okanye ii-LP units) zorhwebo kwiimarike ezivulekileyo kwaye zihlala ziphosakele ngezabelo zesitokisi esifanayo. Xa ungena kwi-akhawunti yakho yomrhweba ukubeka umyalelo wokurhweba, okanye xa ubiza umthengisi wakho ngemiyalelo yokuyithenga, wena okanye umthengisi wakho uthengisa iiyunithi ze-LP esikhundleni sezabelo zesitokisi esifanayo. Imiphumo yerhafu yale mpazamo ingaba enkulu. Fumana oko kusemngciphekweni ...
Phantse yonke i-hedge funds kunye neengxowa-mali zamashishini abucala zihlelwe ngokubambisana. Ngenxa yemithetho yabo nemimiselo eyahlukileyo, abatyali-mali abavunyelwe kuphela kunye nabasomali-mali abanomdla bayavunyelwa ukuba batyalomali kwisikhwama se-hedge fund. Ukuba uke wathanda ukuqonda ukuba yintoni isikhwama se-hedge fund, senza ntoni, indlela eyafumana ngayo igama layo, indlela abaphathi bayo abahlawulwa ngayo, ngabaphi abatyali-mali abasemthethweni kunye nabangqinekileyo, kwaye ngaphezulu, oku kuluhlu olufutshane luyakukunceda ukwakha isiseko sakho semfundo.