Imizekelo, amacebo kunye nohlalutyo lwexesha elide
Inkcazo yexesha elide
Ixesha elide, ngokubhekiselele ekutyalweni, ngokubanzi libhekisela kwithuba elingaphezulu kweminyaka eyi-10. Kwakhona kunjalo ngokuqhelekileyo ukwahlula abatyali-mali kunye neziqinisekiso zobungqina.
Ngokomzekelo, ukuba umcebisi-mali ucela imibuzo ukulinganisa ukunyamezela kwakho, bafuna ukufumanisa ukuba zeziphi iintlobo zokutyalombela ezifanelekileyo kuwe kunye neenjongo zakho zotyalo-mali. Ngoko ke, ukuba usemncinci kwaye awulindele ukuba wenze ukurhoxiswa kwi-akhawunti yakho ye-brokerage ubuncinane iminyaka engama-10, unokuthi uthathwa njengomtyalo-mali osisigxina.
Iimali zebhondi kunye nezibophelelo zikwahlulwa ngokwexesha elide ukuba ukukhula okufanelekileyo (okanye ngokuchanekileyo oko kuthiwa ubude) bude ngaphezu kweminyaka eyi-10.
Ukusebenza kwexesha elide ngokumalunga nokuHlaliswa koTyalo-mali kunye noPhando
Xa uphando kunye nokuhlalutya utyalo-mali, ingakumbi imali-mali, kulungile ukujonga ukusebenza kwexesha elide, enokuthi ithathelwe ingqalelo kwiminyaka eyi-10 okanye ngaphezulu. Nangona kunjalo, "ixesha elide" lidla ngokusetyenziswa ngokubhekiselele kwixesha elingaphantsi kwexesha elifutshane, njengonyaka omnye okanye ngaphantsi. Oku kungenxa yokuba amaxesha eminyaka-1 ayibonakali ulwazi olwaneleyo malunga nokusebenza kweengxowa-mali okanye umphathi wezikhwama amandla okulawula iphothifoliyo yokutshala imali ngokusebenzisa umjikelezo opheleleyo weemarike, oquka ixesha lokunciphisa imali kunye nokukhula kwaye kubandakanya imarike yenkomo kwaye ithwale imarike .
Umjikelo ogcweleyo weemarike ngokuqhelekileyo unyaka wesi-3 ukuya kwe-5. Yingakho kubalulekile ukuhlalutya ukusebenza kweminyaka emi-3, iminyaka emi-5 kunye neminyaka eyi-10 yokubuyiswa kwengxowa-mali. Ufuna ukwazi ukuba le mali iyenze ngokubini kunye nokuhla kweemarike.
Ngokuqhelekileyo umtyalo-mali ohlala ixesha elide uqeshe isicwangciso sokuthenga kunye nesibambiso , apho iimali ezikhethiweyo zikhethiweyo kwaye zithengwa kodwa zingatshintshanga kakhulu ukuya kwiminyaka emininzi okanye ngaphezulu.
Esi sicwangciso siye sachongwa ngokugqithiseleyo isicwangciso sephothifoliyo .
Indlela yoba ngumtyalomali wexesha elide
Umtyalo-mali osisigxina unokukwazi ukuthabatha umngcipheko wokuthengisa imali. Ngoko ke, ukuba bengenakucinga ukuba bathatha ingozi ephezulu, bangakhetha ukwakha iphothifoliyo enobudlova .
Abatyali-zimali abanentlonelo bazimisele ukwamukela ixesha lokunyuka kweemarike ezigqithiseleyo (ups and downs in value value) ngenjongo yokufumana ithuba lokufumana inzuzo ephezulu yexabiso lokuphuma kwamanani entengo kwi-marge ebanzi. Isampuli esinobudlova esabiwe yi-asethi ye-asethi yi-85% yamaShishini, i-15% yeebhondi.
Imizekelo yeeNgxowa-mali zangexesha elide
Uhlobo lokuqala lotyalo-mali abaninzi abantu bacinga ngalo malunga nokutyalomali kwexesha elide kwiimpahla. Oku kungenxa yokuba baye bafumana imilinganiselo ephezulu yembuyekezo yokubuya kunokuba abanye abatyala imali kunye nokugcina izithuthi, ezifana nezibophelelo kunye neZatifikethi zeDistim (iiCD). Iimali zengxowa-mali, ngokukodwa iimali zesikhwama sokukhula kunye neengxowa-mali ezikhulayo . Abaninzi-mali abatyali-mali abaninzi banokuthanda ukusebenzisa imali yenkcazo ngeendleko zabo eziphantsi kunye nokuthambekela kwabo kumyinge wokubuya okuhle ngexesha elide, njengeminyaka eyi-10 okanye ngaphezulu.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali.
Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.