Imizekelo, amacebo kunye nohlalutyo loTyalo-mali olufutshane
Inkcazo ye-Investment Term-Term
Ixesha elifutshane, malunga nokutyalomali, ngokubanzi kubhekisela kwisithuba esingaphantsi kweminyaka emithathu. Kwakhona kunjalo ngokuqhelekileyo ukwahlula abatyali-mali kunye neziqinisekiso zobungqina.
Enyanisweni, uninzi lwezibambiso zotyalo-mali, ezibandakanya iimasheya, iimali eziphathekayo, kunye nezinye iimbophelelo kunye neemali ezixhaseneyo, azifanelekanga ngexesha lokutyalomali elingaphantsi kweminyaka emithathu. Oku kungenxa yokuba uninzi lwabatyalomali luhlobo lwexesha elide, oko kukuthi batyale imali kwiinjongo zemali, ezifana nokuthatha umhlalaphantsi, ezinamaxesha angama-horizons athatha iminyaka emininzi okanye amashumi eminyaka.
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 uxelele umcebisi ukuba injongo yakho yotyalomali kukugcina ikhefu uceba ukuthatha iminyaka emi-2 ukususela ngoku, uza kukwahlula njengomtyalo-mali osisigxina. Ngoko ke iintlobo zentengiso-futshane ziza kuba zilungele kule njongo yokulondoloza.
Iimali zebhondi kunye neentlawulo zikwahlulwa njengexesha elifutshane ukuba ukukhula okuthe ngqo (okanye ngokuchanekileyo oko kuthiwa ubude) buphakathi kweminyaka eyi-1 ne-3.5.
Ukusebenza kwexesha elifutshane ngokumalunga nokuHlaliswa koTyalo-mali kunye noPhando
Xa uphando kunye nokuhlalutya utyalo-mali, ngokukodwa imali ephathekayo ephathekayo , ixesha eli-1 aliniki naluphi na ukuqonda okuthembekileyo kwithemba elithile lokuqhuba kakuhle kwixesha elizayo. Kungenxa yokuba amaxesha eminyaka-1 ayibonakali ulwazi olwaneleyo malunga nekhono lomphathi wezikhwama ukulawula 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. Ngoko ke, i-short-term (engaphantsi kweminyaka engama-3) ayinakucingwa xa uphando ngeemali zobudlelwane bexesha elide lokutyalo-mali.
Imizekelo yeeNtlu zoTyalo-mali ezifutshane
Ukuba unenjongo yokutyalomali okanye imali yokugcina imali eneminyaka engaphantsi kwe-3, iintlobo zokutshala ezifanelekileyo ziquka imali yemarike yemali , iiSatifikethi seDistim (i-CD) kunye neebhondi zexesha elifutshane. Izithuthi zengqesho ezithatha ixesha elide, ezifana nezitokhwe kunye neengxowa-mali zakwa-stock, zithwala ingozi enkulu kwimarike yeenjongo zokutshala kwexesha elifutshane. Ngokomzekelo, ukuba ukholelwa ukuba unokufuna imali yakho kwiminyaka emithathu ezayo, ukutshala imali kwi-stock funds kungabungozi kakhulu ngenxa yokuba ixesha elide lokunciphisa amaxabiso, eyaziwa ngokuba yimarike yeebhere, kunokubangela ukuba umtyalomali aphelise ngeyona nqununu encinci ngaphezu kokuba batyalwe.
Kwakhona Qaphela: Utyalo-mali lwexesha elide
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.