Kulesi sihloko esithakazelisayo sizokwethula konke okuhlobene ne- amasheya avamile nathandwayo, futhi ngendlela ekhethekile sizogcizelela umehluko phakathi kwabo. Uma uhlela ukutshala imali esitokweni, lolu lwazi luyakuthakasela!
Ukwabelana okuvamile nokuthandwayo
Ngaphambi kokungena kulesi sihloko esithakazelisayo, sizochaza ukuthi yiziphi izenzo. Itemu elithi share, emhlabeni wezezimali, libalulwe esihlokweni esinikezwe inkampani, inkampani noma ibhizinisi futhi elilingana nenani lengxenye eyodwa (1) yezingxenye ezilinganayo lapho inhlokodolobha yezenhlalo yenkampani ethile ihlukaniswa khona.
Ngokuvamile kunezinhlobo ezimbili zezenzo: amasheya avamile futhi akhethwayo. Ukuhlukaniswa kwezenzo kucabangela izici ezithile ezifana nezenzo ngokuya ngobungozi bazo, ngokuya ngenzuzo yazo, ngokuya ngohlobo lwezenzo, phakathi kokunye.
Kulesi sihloko sizokhuluma ngokuhlukaniswa kwezenzo ngokohlobo lwazo. Ngalo mqondo, kufanele wazi ukuthi kunezinhlobo ezimbili zezenzo:
Izenzo ezivamile
Lolu hlobo lwesitoko lwaziwa nasemhlabeni wezezimali njengesitoko esivamile. Lawa amasheya anikeza umnikazi (umninimasheya) isabelo ekulinganeni kwenkampani, kanye nelungelo lokukhuluma nokuvota emhlanganweni wabaninimasheya.
Isitoko esivamile sikhishwa kaningi futhi sichichima emakethe. Banikeza ithuba lokusungula inkampani ngokunikela kozakwethu futhi ngaleyo ndlela bagweme ukwenza inkontileka yezikweletu nezinhlangano zamabhange.
Kulolu hlelo lwemibono, amasheya avamile abhekwa njengempahla yezezimali. Phakathi kwezimpawu zabo singabala ukuthi abanalo usuku lokuphelelwa yisikhathi, ingxenye yomnikelo womnikazi wamasheya kulawa masheya incane futhi kungaxoxiswana ngayo kalula, okungukuthi, angathengiswa noma kuxoxiswane ngawo ngokuthanda komninimasheya, isikhathi asifuna ngaso.
Kubalulekile ukuqaphela ukuthi abanikazi bamasheya abanesabelo enkampanini enamasheya avamile noma ajwayelekile banamalungelo athile. Ezigatshaneni ezedlule siveze ukuthi banelungelo lokuzwakalisa izwi nokuvota.
Ngalo mqondo, bangasebenzisa ilungelo labo lokuvota lapho umhlangano wabaninimasheya uhlongoza ukwenza izinguquko emithethweni noma uhlanganise imithethonqubo emisha yangaphakathi enkampanini, uguqule imibandela yokusungulwa, uqoke umkhandlu wokweseka abaphathi futhi ugunyaze ukusatshalaliswa kwemithetho emisha enkampanini. amasheya amasha ajwayelekile. .
Kuhle ukwazi ukuthi ozakwethu besitoko abavamile banesibopho esilinganiselwe ngaphakathi kwenkampani. Lokhu okungenhla kusho ukuthi izimpahla zomuntu siqu zabanikazi azikho ngaphansi kwanoma iyiphi ingozi njengoba zingeyona ingxenye yempahla yenkampani.
Ngenxa yalokho, umnikazi wamasheya avamile akafaki ingozi enkulu, noma kunjalo ubeka engcupheni umnikelo wezomnotho wokuxhasa inkampani ngezimali.
Mayelana nokunikezwa kwezabelo, umnikazi walolu hlobo lwamasheya avamile uzothola iholo lakhe uma inkampani isithobela izibopho zayo.
Isitoko esincanyelwayo
Lolu hlobo lwamasheya lunezinga elimisiwe lezabelo, inkokhelo ekhethwayo ingaphezu kwamasheya avamile. Bakha izibambiso zezakhiwo ezikhishwe inkampani kancane futhi zinikeze umninimasheya umnikelo owengeziwe emalini etshaliwe ekuqaleni.
Lawa masheya akhanga kakhulu kunamasheya avamile, njengoba inkokhelo yezabelo ingaphezulu. Ayaziwa nasemhlabeni wezezimali njengamasheya athandwayo.
Abanikazi balolu hlobo lwamasheya banamalungelo noma amalungelo. Ake sibone ezinye zazo: Baqinisekile ukuthi bazokhokha izabelo, kungakhathaliseki ukuthi inzuzo yenkampani iqhuba kanjani. Esimeni sokuqothuka, abaninimasheya banokubaluleka kokuqoqa amasheya avamile ahambisanayo noma bathole imbuyiselo yemali etshalwe ngaphambi kwabanye.
Umehluko Phakathi Kwesitoko Esivamile Nesikhethwayo
Ngabe uyafuna ukwazi i umehluko phakathi kwamasheya avamile nakhethwayo? Okulandelayo, sizokwazisa. Sizodalula lo mehluko ngokusekelwe ezintweni ezibalulekile ezisivumela ukuba sichaze ngendlela ecacile nelula umehluko phakathi kwamasheya avamile noma athandwayo.
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Ukwehluka kwezomnotho
Sizohlaziya umehluko kulesi sici. Ngokuyinhloko kulele eqinisweni lokucatshangelwa, okungukuthi, amasheya avamile awanaso isiqinisekiso sokuthola izabelo uma kwenzeka ukuqothuka kwenkampani.
Nakuba amasheya akhethwayo ejabulela izabelo ezimisiwe, eqoqwa kuqala kunamasheya avamile, ngaphezu kwalokho, izinzuzo ezitholwa abanikazi bamasheya athandwayo ziphezulu kunalabo abangabanikazi bamasheya avamile.
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ukungezwani kwezombusazwe
Umehluko kulo mqondo uhlobene nokusetshenziswa kwevoti emihlanganweni yezinkampani. Abanikazi bamasheya avamile banelungelo lokuvota ohlelweni lokukhetha ibhodi yabaqondisi, kuyilapho abanikazi bamasheya athandwayo bengenawo amandla okuvota ezindabeni eziphathelene nenkampani.
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Amafa
Ngalo mqondo, esimweni sokuqedwa kwempahla yenkampani, abanikazi bamasheya athandwayo banethuba lokushintshanisa amasheya abo futhi babuyisele utshalomali lwabo, ngisho nangokwengxenye, kuyilapho abanikazi bamasheya avamile beyothola kamuva kubanikazi. yamasheya athandwayo.
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imali elinganiselwe
Udinga ukwazi ukuthi amasheya athandwayo ayizitshalomali eziyinkimbinkimbi, yingakho abatshalizimali abaningi bekhetha ukudayisa amasheya avamile. Kunamasheya avamile emakethe kunamasheya athandwayo asele.
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Intengo
Intengo yesitoko esivamile ishintshashintsha ngaphansi kwaleyo yesitoko esithandwayo
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Ikhotheshini
Amasheya ancanyelwayo awathengiswa esidlangalaleni, kuyilapho amasheya avamile ethengiswa. Amasheya athandwayo azofakwa ohlwini lwe-Association of Intermediaries of Financial Assets (AIAF)
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Izintandokazi
Izinkampani eziningi zikhetha isitoko esivamile
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Isibopho
Ngalo mqondo, umnikazi wamasheya avamile unesibopho esilinganiselwe.
Usuvele uyawazi umehluko phakathi kwesitoko esivamile nesitokwe esikhethwayo. Udinga ukwazi ukuthi amasheya athandwayo ayizitshalomali eziyinkimbinkimbi, yingakho abatshalizimali abaningi bekhetha ukudayisa amasheya avamile.
Siphakamisa ukuthi ngaphambi kokuthatha isinqumo sokutshala imali esitokisini, uhlaziye ngokucophelela izitayela eziyinhloko emakethe yamasheya, ngoba kuye ngokuthi uhlobo lwesitoko otshala kuso imali yakho, uzojabulela izinzuzo eziningi nezingcono. Uma unentshisekelo yokwenza ukutshalwa kwezimali, qiniseka ukuthi ufunda indatshana esikunikeza yona kusixhumanisi Ungafunda kanjani ukutshala imali
Okulandelayo, sikunikeza okubalulekile okulalelwayo nokubonwayo okuzokuvumela ukuthi unwebe ulwazi lwakho mayelana nokwabelana okuhlukahlukene okuvamile nokuthandwayo.