Kukhona eziningi izinketho zokutshala izimali engakwazi ukukhiqiza imali engenayo kanye nengozi elawulwayo, lapha sizokutshela ukuthi yiziphi ezingcono kakhulu zabaqalayo.
Ukutshala imali ngendlela efanele kungakhokha
Izinketho zokutshala imali eMexico
Ngokwezibalo ezikhishwe ocwaningweni lwesithupha lwaminyaka yonke lwe-Global Investor Pulse Survey, ama-53% abantu baseMexico bafuna ukutshala imali ukuze benze imali yabo imbuyiselo engcono.
Ngaphandle kwalokhu, ama-40% afuna ukuqonda ukuthi ukutshalwa kwezimali kungaholela kanjani emandleni ezezimali anempilo.
Ngakolunye uhlangothi, ama-32% afuna ukuqonda ukuthi ukutshalwa kwezimali kuhlanganiswe kanjani nenhloso yawo enkulu yezomnotho.
Ngokuhambisana nalokhu kukhathazeka, kubaluleke kakhulu ukuthi abantu bazifundise ukuthi yiziphi ezihamba phambili izinketho zokutshala izimali ezikhona nokuthi zingasiza kanjani ekwandiseni iholo lakho.
Futhi into ebaluleke kakhulu okufanele icatshangelwe ukuthi lokhu akukuvimbeli ekuhlangabezaneni nezindleko zakho zenyanga futhi ngaphandle kokwesaba ukulahlekelwa utshalomali ngenxa yokuba yizisulu zomkhonyovu.
Izincomo zokutshala imali
Noma nini lapho umuntu ezibuza ukuthi angaqala kuphi ukutshala imali, kuyanconywa ama-CETES (Izitifiketi Zomgcinimafa).
Ukwengeza, iyathengeka, njengoba ungakwazi ukuvula i-akhawunti yokutshala imali ngenani elincane lama-pesos ayi-100 futhi ungakwenza ngekhasi le-cetesdirecto.com.
Enye yezinzuzo zokutshala imali ku-CETES ukuthi ungakwazi ukufinyelela imali ngemibandela emifushane kakhulu. Imigomo ye-CETES yizinsuku ezingama-28, izinyanga ezi-3, izinyanga eziyisi-6 kanye nonyaka owodwa.
Ngokuya ngesikhathi esikhethiwe, kuzoba iphesenti lezinzuzo ezitholiwe. Izinga lokusebenzisa elihlinzekwayo lingu-8.16% ngonyaka.
Uma, isibonelo, unquma ukutshala ama-pesos angu-100 esikhathini sonyaka ongu-1 ngesilinganiso se-8.16%, ekupheleni kwaleyo nkathi yesikhathi ungaba nokugcinwa kwe-107.24 pesos, akubonakali kuningi.
Kodwa-ke, uma uyigcina kuphela ekhaya lakho, izoqhubeka ifana ne-pesos eyi-100 ephepheni, kodwa mayelana namandla okuthenga, inani layo lizokwehla ngenxa yokwehla kwamandla emali.
Ukutshala imali emhlalaphansi
Kungase kubonakale kuyindlela ende yokwenza iminikelo ngokuzenzakalelayo ohlelweni lomhlalaphansi lomuntu, kodwa kuyindlela enhle kakhulu yokutshala izimali, ngoba njengoba izindleko zikhuphuka, imali engenayo ngeke yanele ukwanelisa zonke izidingo.
Ngenxa yalesi sizathu, kubaluleke kakhulu ukuthi kwenziwe uphenyo ngokuthi inani lemali elinganiselwe elizotholwa empeshenini ngesikhathi sokuthatha umhlalaphansi lingakhuphuka.
Uma imali oyitholile incane, kuyancomeka ukuthi ukhuphule inani leminikelo efakwa esikhwameni somhlalaphansi, ngokuqinisekile ngeke uzisole ngokwenza kanjalo.
Amalenta
Okunye okuguquguqukayo kokutshalwa kwezimali okunikeza ukuvikeleka okukhulu, izinsimbi ezifana negolide nesiliva, ngoba ziyimithombo yemvelo engavuseleleki, inani lazo liyakwazisa ngokuhamba kwesikhathi.
Lokhu kungaholela enzuzweni enkulu esikhathini eside, enye yezindlela ezisetshenziswa kakhulu zokutshala ezinsimbi iwukuthenga ngokuqondile. Kutuswa ukwenza ukuthenga noma ukuthengisa ukusebenzisa izinkampani ezikhethekile kulawa mabhizinisi.
Nakuba izinsimbi zibonakala ziwutshalomali oluqinile, kufanele kubhekwe ukuthi indawo ephephile iyadingeka ukuze kufakwe izinsimbi nokuthi inezimo zokuzigcina zisesimweni esihle.
Lokhu okungenhla kubalulekile njengoba zibeka engcupheni yokulahleka, ukulahleka noma ukwebiwa kalula yinoma ngubani, zingalimala futhi ngale ndlela imali etshaliwe ingalahleka.
crowdfunding
Kwaziwa ngele: Uxhaso Oluhlanganyelwe, lokhu kuhlanganisa ithuba lokukwazi ukutshalwa kwezimali ekudalweni kwezinkampani ezintsha, izindlu nomhlaba noma ukwenza uxhaso lwezimali noma ukuboleka izinkampani zangaphandle.
Lokhu kungafezwa ngezinkundla zedijithali, lapho ungaqala khona ukutshala imali kusuka kuma-pesos angu-5.000.
Kumele kuqashelwe ukuthi uma ungumuntu osaqalayo endabeni yokutshalwa kwezimali, akufanelekile ukuthi uqale ngalokhu okungenzeka, ngoba ubungozi buphezulu kakhulu futhi ungadumazeka ngokungatshali imali kamuva, uma ulahlekelwa ukutshalwa kwezimali.
Kuyiqiniso ukuthi kunabantu abaningi abanonya abafuna ukuqola abanye futhi bantshontshe imali yabo. Kubaluleke kakhulu ukuthi ngaphambi kokutshala imali ku-crowdfunding, ibhizinisi liyaphenywa futhi linikezwe isitifiketi futhi ligunyazwe Ikhomishana Kazwelonke Yamabhange Nokuphepha (CNBV).
Ngaphambi kokutshala imali, ubungozi kufanele buhlolwe.
Izakhiwo ezithengiswayo
Le ndawo yezindawo ezithengiswayo yethulwa njengenye yezinketho ezinhle kakhulu zokutshala imali futhi ngendlela ethile iphephe kakhulu, njengoba kukhona isiqiniseko sokuba ngumnikazi wendawo noma indawo, ngaphezu kwalokho iyibhizinisi elinenzuzo ngenxa yokuthi izakhiwo zihlale zibonga ngokuhamba kwesikhathi.
Kumele kucatshangelwe ukuthi ukuthola izinzuzo embonini yezindlu nezindlu, kufanele kudayiswe ngaphezu kwenani lemakethe futhi kufanele kubhekwe ukuthi isikhathi sokuphothula ukuthengisa singasuka ezinyangeni eziyisithupha kuya onyakeni. Ngakho-ke ngeke ukwazi ukubala kuleyo mali esikhathini esifushane, uma kuqhathaniswa nezinye izindawo zokutshala izimali.
Inzuzo ingase ibe ukuthi uma ikhethwe kahle, ukubuyiselwa okungafika ku-30% kungafinyelelwa, yebo, konke kungaphansi kwezimpawu zempahla, imvelo yezomnotho nezenhlalakahle.
Kuhlale kuhle ukukhumbula ukuthi umhlaba wokutshalwa kwezimali udinga ukuvuthwa nokuthi konke ukutshalwa kwezimali kunobungozi bemvelo.
Kumele uqaphele ukuthi kuzohlale kukhona ukutshalwa kwezimali lapho kwezinye izikhathi kuba wusizo kanti kwezinye kungasebenzi. Okubalulekile wukuthi inyakatho kumele iqhubeke nokutshala imali.
Ezinye izinketho lapho ungatshala khona imali
Izimali zokutshala imali
Izimali zokutshala izimali zisebenza ngokubeka isikhwama esivamile sabatshalizimali ukuze sibabeke ezimpahleni ezahlukene, okungaba amabhondi, amasheya, njll. Lokhu kuphatha kuhlanganiswe uchwepheshe.
Njengamanje kunezimali ezimbalwa zokutshalwa kwezimali okwazi ukufinyelela kuzo futhi zingenziwa ngabacebisi be-robo, okungabeluleki berobhothi umsebenzi wabo uwukuphatha ukutshalwa kwezimali ngendlela ezenzakalelayo ngokuya ngephrofayili yomuntu siqu.
Acciones
Amasheya njengezinketho zokutshala izimali abizwa ngokuthi izibambiso izinkampani eziningi ezizenza zitholakale emakethe ngenjongo yokuzixhasa ngokwazo. Abantu abawatholayo benziwe ngamalungelo athile.
Ungayithola kanjani izabelo ethubeni lapho inkampani ekhiphayo ithola inzuzo futhi inquma ukusabalalisa phakathi kwabanikazi bamasheya bayo.
Ngokuvamile, amasheya adayiswa ngokushesha, okusho ukuthi i-investimenti enezinga eliphezulu le-liquidity futhi, ngaphezu kwalokho, amathuba aphezulu okuthola inzuzo esikhathini esimaphakathi nesikhathi eside.
Banengozi enkulu, njengoba imakethe izinzile futhi ithintwa yizici zangaphandle ezifana nezici zezomnotho, zezombangazwe noma zezenhlalo ezinomthelela enanini lamasheya.
Nakuba kungadingeki ukuba nenhloko-dolobha enkulu, ukukhokhwa kwamakhomishini kuchwepheshe ngomsebenzi ngamunye owenziwe kufanele kucatshangelwe. Uma ufuna ukukwenza wedwa, kuyadingeka ukuthi ube nolwazi oluningi endaweni.
Ama-bond
Amabhondi abizwa ngokuthi yizibambiso zezikweletu ezinye izikhungo zikahulumeni, izinkampani kanye nezinye izinhlangano ezizibeka emakethe yamasheya ukuze zithole uxhaso.
Banikeza umnikazi ilungelo lokuthola izinkokhelo zenzalo eziqhubekayo, ezisungulwe ngaphambilini futhi ezingaguquki phakathi nesikhathi samabhondi.
Lawa mabhondi anethuba elihle lokubuyisela, nokho imbuyiselo iphansi kunaleyo yamasheya, iphuzu elivuna bona ukuthi alukho ulwazi lobuchwepheshe oludingekayo ukuze utshale imali.
Ukutshala imali kumabhondi kubhekwa njengengozi ephansi, noma kunjalo, ngokubona okuhlangenwe nakho kwezinkinga zezezimali zamanje, abatshalizimali kufanele baqaphe kakhulu.
Enye yezingozi ezinkulu kulolu hlobo lokutshalwa kwezimali yilezi: izinga lenzalo, uhlobo lwesikweletu, ukwehla kwamandla emali kanye ne-liquidity. Ukwengeza, isikhathi sihlinzeka ngesilinganiso sengozi ehambisana nezinguquko ekusebenzeni, uma ubude besikhathi buqhubeka, ingozi inkulu kakhulu futhi okuphambene nalokho.
Isikhathi esinqunyiwe
Le nqubo yiyona ejwayelekile kunazo zonke lapho kutshalwa khona imali, phakathi kwabantu abafuna ngaphezu kwanoma yini ukulondeka nokukhululeka.
Ukusebenza kwayo kulula kakhulu, inani lemali lifakwa ebhange, okhokhela amaphesenti enzalo, ukuwagcina isikhathi esithile, esizokhokhiswa ngemva kwaleso sikhathi.
Uma ufuna ukuhlola ezinye izinketho zokutshala imali ungavakashela: Isebenza kanjani imakethe yemali? Izici!