Amasheya ancanyelwayo awamathuluzi ezezimali avumela ukuthi imali itshalwe ngezindlela ezahlukahlukene. Kulesi sihloko uzofunda okwengeziwe ngalesi sihloko.
ukwabelana okuthandwayo
Uma abantu noma izinkampani zibheka uhlobo lokutshalwa kwezimali lapho izimo ezifanayo zemali engenayo eshintshile zinganakekelwa, singasho ukuthi sithola ithuluzi lezezimali elihlukile. Lokhu kuvumela ukunikeza i-solvency kanye nempahla ekutshalweni kwezimali.
Incazelo
Kubhekwa njengesheya elikhishwe isikhungo sezezimali noma inkampani ye-trust engakhiqizi noma yiziphi izinkokhelo ezihlobene nenhloko-dolobha yayo. Futhi abanalo ilungelo lokuvota ezinqumweni zenkampani. Ine-scope enkulu futhi ihlala ngokuhamba kwesikhathi, futhi inzuzo yayo ayiqinisekisiwe.
Amathuluzi ezezimali anobungozi obukhulu anezici ezihlukile kusuka kumali engenayo engashintshi kanye nokutshalwa kwezimali kwemali engenayo eguquguqukayo. Zifana nohlobo lwe-hybrid phakathi kokubili. Izihloko ezikhishwe unomphela zinembuyiselo eguquguqukayo neyingozi, azisho umthwalo wemfanelo noma ukubamba iqhaza ezinqumweni zenkampani.
Izici
Ukwazi Yiziphi amasheya akhethwayo Kubalulekile ukwazi ukuthi azikho ohlwini lwemakethe yamasheya, nakuba zingathengiswa zodwa. Baphinde bagadwe ngomasipala noma izikhungo zokuhwebelana ngamasheya. Kodwa ake sibone ukuthi yiziphi lezo zici ezibenza bahluke.
- Banenkontileka yemali engenamkhawulo eqondile, okusho ukuthi utshalomali kunzima ukulubuyisa.
- Ziyi-investimenti enobungozi obukhulu engakhiqiza inzuzo enkulu kodwa futhi ilahlekelwe.
- Zingaphansi kwenani lemakethe, umkhiphi kanye nezimakethe zezimali. Inani lakho lokuhlenga lingase libe ngaphansi kwevelu yokukhishwa.
- Isivuno sakho sinqunyiwe ngesikhathi sokuqala, ezinye izikhathi ziyahlukahluka.
- Isivuno sincike ebhizinisini elikhiphayo, elisungula okuthandwayo ezinzuzweni ezingasatshalaliswa.
- Bakhiqiza amakhomishini akhethekile ekuthengweni nasekuthengisweni yizinkampani ezikhiphayo
- Nakuba beyingxenye ye-apita yenkampani, amalungelo abo asekelwe kuphela ekukhokhweni nasekukhokheni iholo.
Ukutholwa kanye nezinzuzo
Amasheya athandwayo akhona ekuqaleni konyaka ka-2000, lapho ezinye izinkampani nezinkampani zaqala ukukhipha amasheya ezimakethe zamasheya. Kodwa-ke, ukubamba kwabo iqhaza bekufanele kulawulwe ngenxa yezimo nezici ezihluke ngokuphelele zokutshalwa kwezimali okukhona.
Izinkinga sekuyisikhathi eside ziyinqola ebalulekile kubatshalizimali abayithunzi abafuna izinzuzo zentela ezikhethekile. Ukuthengwa kwayo kwenziwa ngqo nezinkampani, ukuze amasheya abekwe ezimakethe zamasheya yesibili.
Lolu hlobo lwamasheya luphinde lumelwe kulokho okuthiwa okufakiwe kwe-akhawunti. Ngakolunye uhlangothi, zingaphinda zithengwe emakethe yamasheya eyinhloko, kodwa inani lazo kanye nezindleko zokutholwa kuzoba nenani elilinganiselwe kuphela.
Uma zitholwa emakethe yesibili, izindleko zokutholwa zizomelwa ngephesenti yenani elivamile. Ngamanye amazwi, amasheya ancanyelwayo akhishwa emakethe yokuqala ngenani elithile azoba nokunye lapho enikezwa emakethe yesibili.
Ngemva kokukhishwa kwesheya, inqubo yokuguquguquka iqala ngokusekelwe ekuhlinzekweni nasekufuneni isabelo esishiwo. Ngakho inani livame ukuhluka. Ngakolunye uhlangothi, lesi sabelo esifanayo singathengwa emakethe yesibili ngenani eliphansi elingafinyelela ku-90% yenani layo elilinganiselwe.
Umehluko ukhona lapho isenzo singenakho ukunyakaza kwesidingo esinakho emakethe yokuqala. Ngakho-ke kunzima ukuthi ikhiqize inzuzo yesikhashana. Ukufunda isihloko esilandelayo esihlobene ne Ukukhiqiza uzokwazi ukuqonda ukuthi kungani izinkampani eziningi zikhipha amasheya ezimakethe zamasheya
Ikhotheshini
Intengo yalolu hlobo lokubamba iqhaza incike kakhulu emakethe yemali engenayo engashintshi. Sikumema ukuthi ufunde isihloko esihlobene ne imali engenayo engashintshi kanye nezabelomali, lapho ungafunda khona yonke into ehlobene naleso sihloko. Kube sekutholakala ukuthi ngenxa yohlobo lwenzuzo, ukuthengwa kwezimali kwayo kuncane.
Lokhu kusho, isibonelo, ukuthi lapho uthola amasheya amasheya athandwayo, kukhona ithuba lokungakwazi ukuwathengisa ngesikhathi esifushane noma ngezindleko ezifanayo zokuthola. Izingcaphuno abazenzayo zincane, ngakho zibhekwa emakethe yokubamba iqhaza lapho imisebenzi yenza imali encane.
Ukuzuza
Amafomu okubuyisela amasheya athandwayo asungulwa minyaka yonke. Ahlinzekwa ngokukhokhwa kwenzalo yezikhathi ezithile, ngakho inzuzo yawo iphezulu, lokhu kubangelwa ukuntuleka kwemali futhi isimo sazo emakethe sihlala isikhathi eside kakhulu. Ukubuyisela ngezinye izikhathi kungase kube phezulu kunezibambiso ezivamile ezinikezwa ngamasheya emali engenayo engashintshi.
Lokhu kuyinzuzo engahlaziywa ngabatshalizimali abangochwepheshe. Ngakolunye uhlangothi, kungase kube nokwenzeka kokumiswa kwezinkokhelo zenzalo uma izimo ezimbi ziphakama ngasohlangothini lomnikezi. Izimemezelo zokulahlekelwa kumakhasi ebhalansi ezinkampani ziyingxenye yezinto ezingabangela inzuzo ukuthi ingabi nalutho.
Kodwa-ke, ngaphambi kokuthatha isenzo salolu hlobo, kuhle ukwenza ucwaningo lwemakethe ukuze wazi impilo yenhlangano. Ungafunda ngalolu hlobo lokuhlaziya ngokuchofoza esihlokweni Ungabala kanjani inani lenkampani? lapho kuchazwa ukuthi kubalwa kanjani nokwazi ukuthi yiziphi izinkampani nezinkampani ezicashunwe kakhulu emakethe.
Ukuhlola
Imbuyiselo kulawa masheya iwukudluliswa kwemali enkulu kubantu besithathu, izintela ezikhiqiza u-18% ngokusekelwe kwinzalo eqoqwe. Ngakho ingxenye kufanele ihlanganiswe nezisekelo zentela yokonga. Okusho ukuthi, azikho ngaphansi kwenkokhelo yentela. Kuphela uma isabelo sithengiswa ngaphansi kwevelu yokutholwa.
Ulwazi olubalulekile
Amasheya akhethwayo njengengxenye yezinhlobo zamathuluzi ezezimali, ahluke ngokuphelele kumasheya emali engenayo engashintshi nashintshayo. Bangaphinde babangele ukuphoxeka okuthile kubantu noma kubatshalizimali, lokhu kuvame ukwenzeka ngenxa yokuntula ulwazi.
Abanye abayingozi kakhulu bacabangela ukuthi kungenzeka batshale imali ngokuvumelana nemizwa yabo kanye nolwazi lwabo. Kuhle ukukhumbula ukuthi izibopho ezinqumweni ezinkampanini azikho. Umnikazi wamasheya ngamunye kufanele athobele izinqumo zebhodi labaqondisi.
Kodwa-ke, kwamanye amazwe, amathuba okuguqula imithetho ethile engakhuthaza izinhlangano namabhodi abaqondisi futhi avumele ukubamba iqhaza kwalezi zenzo ezinqumweni zenkampani kuyacwaningwa.
Inzuzo incike ezenzweni zezezimali zenkampani. Hhayi ngokubekwa okuqondile emakethe. Ngakho-ke ukubamba iqhaza kwayo kulokho okubizwa ngokuthi imakethe yesibili. Lapho inzuzo ingalingani namasheya abekwe emakethe yokuqala.
Kufanele futhi kwaziwe ukuthi ngemva konyaka wesihlanu akukho sibopho kulowo okhiphayo ukuthatha ilungelo phezu kwesenzo, ngakho-ke izimo zisungulwa kusengaphambili futhi ngokucacile, uzama ukungashiyi izikhala eziboleka ukudideka.
Amasheya amasheya athandwayo awasona isikweletu esifunwayo, lokhu kwenzeka njengoba singenalo usuku oluqondile lokuphelelwa yisikhathi. Ihluke ngokuphelele ezibophweni zokubamba iqhaza zamanye amathuluzi ezezimali.