La imali engenayo engaguquki kanye nezabelomali amafomu amabili ahlobene nezinhlobo ezahlukahlukene zokutshala imali. Yazi umehluko phakathi kwabo ngokufunda isihloko esilandelayo.
Imali engenayo engaguquki namanani
Zimbili izinhlelo noma izinhlobo zokutshalwa kwezimali ezenziwa ngabantu, izinkampani noma izinhlangano ukuze zithole inzuzo kanye nezinsizakusebenza ezinkulu. Banomehluko obalulekile esizowubona ngokulandelayo.
Ukuqasha okulungisiwe
Kwaziwa njengenqubo lapho kubhekiselwa khona ezikweletini zamabhondi, izikweletu nezibopho zezwe ngalinye noma inkampani. Abatshalizimali abenza imisebenzi yabo ngeholo elingaguquki babolekisa ngempela imali ukuze ibuyiswe ngemva kwesikhathi eside, kodwa inenzalo eguquguqukayo.
Lolu hlobo lokutshalwa kwezimali lwenziwa ngesamba esikhulu semali, luqondiswe ikakhulukazi kubantu, izinkampani kanye nabatshalizimali abanezinsiza ezanele zokuthola inzuzo. Emhlabeni kunezinkampani ezizinikele kuphela ekucubunguleni nasekulawuleni imali engenayo engaguquki.
Kodwa-ke, eminyakeni yamuva nje kube nemizamo yokuguqula imithetho ethile yezezimali ehlobene nentando yeningi yenqubo yokutshala imali engenayo, kodwa ake sibone ukuthi ungatshala kanjani kuyo.
Itshalwa kanjani?
Ukwenza utshalomali lwemali engenayo engaguquki, kufanele kubhekwe ukuthi ayikho indlela eyodwa yokutshala imali. Abanye bathenga amabhondi e-treasury noma amabhondi enkampani nje.
Ungaphinda utshale ngemali engenayo egxilile yesikhathi esifushane, imali engenayo egxilile yezwe, amabhondi eholo le-European Union, amabhondi omgcinimafa wase-United States nanoma yiluphi olunye uhlobo lwemali engenayo engashintshi etholakala ezimakethe zamazwe ngamazwe.
Nakuba ihlelo layo lilungisiwe, inani lesikhwama liyashintshashintsha ngezikhathi ezithile lehla futhi lehle, konke kuncike ekuhambeni kwemakethe. Imali engenayo engaguquki ihloselwe abatshalizimali abalondolozayo. Izinzuzo azikho kakhulu kodwa ziqinisekile, njengoba imakethe yezezimali ehlobene nalolu hlobo lokutshalwa kwezimali inamandla kakhulu, kodwa hhayi kakhulu njengalena esizoyibona ngezansi.
izabelo
Ngokungafani nemali engenayo engaguquki, lolu hlobo lokutshalwa kwezimali lwenziwa ngokusekelwe emananini emakethe yamasheya. Sibe sesinethuba lokutshala imali kumasheya amabhange, ubuchwepheshe, ezohwebo noma ezinye izinkampani. Izinzuzo ezitholakala ngalolu hlobo lwamasheya ziphezulu kunalezo ezitholwa ngemali engenayo engashintshi.
Kulelo zinga elifanayo ithuba lokulahlekelwa imali nalo seliseduze. Lolu hlobo lokutshalwa kwezimali aluhlosiwe kubatshalizimali abalondolozayo kodwa kubatshalizimali abayingozi.
Ukutshalwa kwezimali kwalolu hlobo kungenziwa yinoma yimuphi umuntu noma inkampani enezinsiza ezilinganiselwe, akudingekile ukuba nemali enkulu kakhulu yokutshala izimali ezilinganisweni. Sikumema ukuthi ufunde isihloko esilandelayo esihlobene ne Ukugeleza kwemali eyindilinga lapho ulwazi oluhlobene nalesi sihloko lunwetshwa khona
Kusebenza kanjani?
Kunezindlela ezimbalwa zokutshala imali kumasheya, enye ejwayeleke kakhulu iqondile. Amasheya atholwa ngababizwa ngama-broker. Angamaphakethe amasheya lapho noma ubani engatshala khona. Nokho, amakhomishana abawakhokhisayo athi phezulu.
Abathengi abaningi abanemali ephansi bayatholakala emakethe yamasheya. Uhlelo lusebenza ngokukhokhisa imali yokusebenza ngakunye, ezimweni eziningi imali ihluka kakhulu ukusuka kwesinye isenzo kuye kwesinye. Isibonelo, ku-Wall Street ungathola amasheya akhokhisa ikhomishini yamadola angama-20 ngokusebenza ngakunye.
Nokho, abanye bangakhokhisa amadola angu-2 ngokusebenza ngakunye. Ngokunjalo, abanye abayikhokhisi ikhomishana yokugcina imali kuyilapho kukhona abakhokhisa inzalo enkulu ukuze bagcine imali.
Olunye uhlobo lokutshalwa kwezimali yilokhu okubizwa nge-investment funds. Lezi zitholakala emhlabeni wonke, ziningi futhi zihlukene kakhulu. Njengoba sibonile, imali engenayo engashintshi kanye nemali engenayo eguquguqukayo yizinhlobo ezahlukene zokutshala izimali ezikhiqiza izinzuzo zezinhlobo ezihlukahlukene.
Njengoba sesivele sazi iyini imali engenayo engaguquki kanye nemali engenayo eguquguqukayo, futhi uma uhlela ukwenza ukutshalwa kwezimali kwanoma yiluphi uhlobo, cabanga kuqala uma amanani akho engcuphe ephezulu, khona-ke ungatshala kumasheya emakethe yamasheya yanoma yiliphi izwe. Kodwa uma uzibheka njengomtshali-zimali onobuhlakani kodwa onakekelayo, yenza ukutshalwa kwezimali kwakho kumabhondi emali engenayo engaguquki.
Umehluko ekutholeni imbuyiselo emalini uncike kumthamo kanye nohlobo lokutshalwa kwezimali ofuna ukulwenza. Lezi zinketho zinhle kakhulu uma ufuna ukuthola izinzuzo zesikhathi eside bese ubheka enye indlela engakhiqiza izinsiza ezengeziwe. Esihlokweni esilandelayo ungathola ulwazi oluhlobene ne Inkululeko Yezezimali