Ukutshalwa kwezimali ngqo - yikuphi, izinhlobo zabo, izinhloso, ukuheha utshalomali oluqondile?

Umnotho uyazi into efana nokutshalwa kwezimali ngokuqondile, okusetshenziselwa ngokugcwele emazweni amaningi. Kunezinhlobo ezahlukene zokutshala izimali ezinjalo ngokuzikhethela kwabo nemithetho yabo. Ungabakhanga enhlanganweni yakho ngezindlela eziningana.

Iyini ukutshalwa kwezimali okuqondile?

Izitshalomali zesikhathi eside ezithathwa ngokuyinhloko emnyakeni wokukhiqiza zibizwa ngokuthi izimali eziqondile. Izimali zimali ekukhangiseni noma ekukhiqizeni impahla. Bakuvumela ukuthi ube ngumnikazi wesigxobo sokulawula. Ukuchaza ukuthi kusho ukuthini ukutshalwa kwezimali ngokuqondile, kubalulekile ukuthi ukhombise ukuthi ukwenza imali enjalo, umuntu uthola ingxenye enhlokodolobha egunyaziwe yenhlangano (okungenani 10%). Sekuyiminyaka eminingi kube khona ukwanda okukhulu kwezitshalomali eziqondile, ezenziwa ngezimali ezikhethekile.

Kunezinhlobo ezahlukene zokutshala izimali ngqo:

1. Isabelo sabathengi sithengisa umtshali-zimali wangaphandle. Kule fomu, inani lokutshalwa kwezimali okungenani li-10-20% yenani lemali eliphelele.
2. Ukubuyiswa kwemali engenayo kubonisa ukuthi inzuzo etholakale kusukela ekusebenziseni inkampani yokubambisana isetshenziselwa ukuthuthukisa inkampani. Inani lalo lixhomeke esabelweni salo mnikazi wezimali kule nhloko.
3. Ukuthola inkokhelo ngaphakathi kwenhlangano noma ukuqhuba utshalomali ngqo ukukhokha izikweletu eziphambene phakathi kwehhovisi legatsha kanye negatsha.

Inhloso yokutshalwa kwezimali ngokuqondile

Le ndlela yokutshala imali isetshenziselwa ukulawula ukukhiqiza noma ukuyiqinisa. Ukutshalwa kwezimali ngokuqondile kumasheya kukwandisa izinga lokulawula kungakhathaliseki ifomu elingokomthetho lebhizinisi. Ngenxa yalokho, abatshalizimali bangathonya izinga lokuthengisa nokukhiqiza, ngisho nenani lentengo. Ezimweni eziningi, abatshalizimali basesimweni esifanayo nomqondisi nomnikazi wenkampani. Ukutshala izimali ngokuqondile kwenhlangano kubalulekile ekusizeni ukuzisindisa ekuqotheni noma ukunikeza ithuba lokukhulisa ukukhiqizwa.

Imfundiso yokutshalwa kwezimali ngokuqondile

Emnothweni wamazwe omhlaba, imibono ehlukene isetshenziswa, ngosizo lwangakwazi ukuchaza izinqubo zezimali. Ukutshala izimali okuqondile nokungaqondile kubhekwe ngesisekelo sezinkolelo ezinjalo:

1. Imfundiso yokungapheleli kwemakethe. Kusekelwe ekufuneni kubatshalizimali ngokungapheleli kwemakethe, okubenza banike ithuba lokusebenzisa imali ngokuyinhloko ngokuphumelelayo. "Izikhala" ezinjalo zingabangelwa inqubomgomo yezohwebo, ukukhiqizwa nemithetho.
2. Umbono wokuvikelwa kwe-oligopolism. Kubonisa ukuthi ukunyakaza kwezimali kuncike ngumholi wemakethe.
3. Imfundiso "yezindizayo ezindizayo". Umthuthukisi walo modeli, ubonisa ukuthi ungaya kumthumeli kusuka kumngenisi wezimpahla. Wakhetha izinyathelo ezintathu zokuthuthukiswa komboni: ukungena kwemikhiqizo emakethe ngendlela yokungeniswa kwamanye amazwe, ukuvulwa kwamagatsha nezinkampani ezintsha kubonga izimali ezingakwazi ukwanelisa isidingo sasekhaya nangaphandle, okwenza umngenisi angaphandle.

Izimali eziqondile kanye nephothifoliyo

Abaningi badidanisa le mibono emibili, ngakho-ke kubalulekile ukwazi ukuthi bahluke ngani. Uma i-term yokuqala iqondakala, ukutshalwa kwezimali kwephothifoliyo kuqondwa njengokuthengwa kwezibambiso futhi lokhu kungathathwa njengenzuzo engenayo. Ngenxa yalokho, umnikazi akazenzeli ukuphatha inkampani. Umehluko phakathi kokutshala izimali eziqondile kanye nephothifoliyo kungaqondwa yizici ezinjalo:

1. Umsebenzi wokutshala izimali ngokuqondile ukulawula inhlangano, futhi ukuphathwa kwephothifoliyo ukuthola ukuthola inzuzo ephezulu.
2. Ukuze uqalise lo msebenzi ngokutshalwa kwezimali ngokuqondile, ubuchwepheshe bubukezwa, futhi ukutshala izimali zephothifoliyo, inkampani ithengisa izimali.
3. Izindlela zokufezekisa okufisa ukutshalwa kwezimali ngokuqondile - ukuphathwa nokuthengwa kwesigxobo sokulawula (kusuka ku-25%), nakwephothifoliyo - okungenani u-25%.
4. Ukuthola imali ekutshalweni okuqondile kuyinzuzo kusuka kubomabhizinisi, kanye nokutshala izimali zephothifoliyo - izabelo kanye nesithakazelo.

Ukutshala imali okuqondile kwamanye amazwe

Ake siqale ngamazwi, ngakho-ke, ngaphansi kokutshalwa kwemali kwangaphandle kwemali ukuqonda izimali zesikhathi eside ezivela ezweni elilodwa emagatsheni ahlukene omnotho womunye umbuso. Izindleko zabo ngokuqondile zixhomeke esimweni sokutshala izimali kanye nokuheha kwendawo. Ukutshalwa kwezimali ngokuqondile kwamanye amazwe akuqinisekisi nje ukuthola ukuthola imali, kodwa futhi kukhuthaze ukwethulwa kobuchwepheshe obusha ekukhiqizeni. Ngenxa yalokhu, kunelungelo lokukhetha amafomu amasha wokumaketha emsebenzini.

Ukutshalwa kwezimali ngokuqondile

Abatshalizimali abaningi abavela emazweni angaphandle benza ukutshala izimali kumabhizinisi kazwelonke, lokhu kubhekwa njengotshalomali olungenayo. Ukuze utshalomali oluqondile lwangaphandle, le nkampani kumele ikhangele futhi ithembise. Isilinganiso sezimali zokutshala izimali eziphumayo nezingenayo ziveza isibonakaliso esibalulekile se-macroeconomics - amandla okutshalwa kwezimali ezweni lonke. Uma ubheka iMelika, umthamo wemali ephumayo ingaphezu kwezingenayo, okungukuthi, izwe lingumthengisi wenetha.

Ukutshalwa kwezimali okuqondile

Lo mqondo usetshenziselwa ukuchaza isimo lapho umtshali-zimali efaka izinkampani zangaphandle. Ukuchaza izindlela zokutshalwa kwezimali okuqondile, kubalulekile ukuphawula ukuthi umsebenzi wabo ovela emazweni asathuthuka ukhula njalo. Muva nje, inani lamadiphozi emazweni ase-Asia likhule kakhulu. Isibonelo, ungathatha iChina, lapho ukukhula kwezimali eziphumayo kuhlangene nokuhlanganiswa kwezinkampani ezinkulu.

Indlela yokuheha utshalomali oluqondile?

Ukuthola i-deposit ethembekile akuyona into elula, kodwa kunezindlela eziningana ongazuza ngazo imiphumela. Okokuqala udinga ukusebenza kuphrojekthi yakho, ngoba kufanele ikhangele kubatshalizimali. Ungasesha ama-depositors usebenzisa izindlela ezilandelayo:

1. Ukutshalwa kwezimali okuqondile kwamanye amazwe kungadonselwa ngokubamba iqhaza emibonweni ehlukahlukene kanye nemibukiso yemipumelelo nemikhiqizo, hhayi kuphela kwendawo, kodwa nakwamanye amazwe.
2. Ungasebenzisa izinsizakalo zabaxhumanisi - izinhlangano zezohwebo nezokuhulumeni.
3. Enye indlela ukubeka ulwazi mayelana nephrojekthi kumasethingi ekhethekile wedatha.
4. Kukhona ama-ejenti amaningi asebenza emakethe yemali yangasese, ehlinzeka ngezinsizakalo zobuchwepheshe ukuthola abatshalizimali, nakwamanye amazwe.

Ukuheha izitshalomali eziqondile, kubalulekile ukucabangela ukuthi esigabeni ngasinye sokuthuthukiswa komsebenzi kungcono ukuheha izimali ezivela emithonjeni ehlukene.

1. Ukuhlela. Uma kukhona umqondo omuhle, kodwa ayikho imali yokusebenzisa, khona-ke ungabheka usizo oluvela esivumelwaneni esiseduze sabangane, izinhlelo zikahulumeni kanye nokutshalwa kwezimali.
2. Ukuqalisa. Kulesi sigaba, uhlelo lwebhizinisi seluvele lukhona, ithimba liqashwe futhi ukuhamba komsebenzi sekuvele sekukhona, kodwa akukho nzuzo okwamanje. Ukukhuthaza ukutshalwa kwezimali, ungathola ngokuxhumana nezikhwama zokuthengisa, abatshalizimali abazimele kanye nabaxhasi bangaphandle.
3. Isiqalo esihle. Inhlangano isivele isendaweni ethile emakethe futhi inenzuzo, noma iyingcosana. Ukwandisa imisebenzi yabo kuzosiza izimali zokulingana zangasese, izimboni ezinkulu kanye namabhange.
4. Ukukhula nokuthuthukiswa. Amafemu anezinzuzo ezizinzile azothola kulula ukuthola abatshalizimali. Isixazululo esingcono kakhulu: izimali zezimali zokuthengisa, izimbangi ezinkulu zezwe, izimali zikahulumeni kanye namabhange.
5. Ibhizinisi elihlelekile. Kulesi simo, kungcono ukungamukeli izimali zokuxhasa, kodwa ukuthengisa amasheya. Njengabatshalizimali, osomabhizinisi abazimele, izimali eziqondile, amabhange kanye nezikhwama zempesheni zingenza.

Ukutshala izimali ngqo - izitayela

Kunezindlela eziningana zokutshala izimali, ezihlala zifanele iminyaka engaphezu konyaka futhi eminyakeni ezayo ingozi yokuguquka ayilutho. Izinhlobo zokutshalwa kwezimali okuqondile zizosebenza uma kwenzeka ukuqala okuhlukile. Kuneziphakamiso eziningi, ngakho-ke udinga ukukhetha umqondo wangempela ngamathemba amahle. Muva nje, ama-akhawunti we-PAMM namaphrojekthi we-HYIP akhangayo kakhulu ekutshaleni.

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Leli gama liqondwa njengokuhlanganiswa kwemali yabatshali bezimali abaningana ukuze kusetshenziswe utshalomali oluthile enhlanganweni ethile. Izikhwama zangasese zangaphandle nezangaphandle zisebenza ngokulandela uhlelo olulandelayo: iphrojekthi yokutshala izimali ikhethiwe, isivumelwano senziwa, ukusebenza kahle kwe-transaction kukhuliswa, kanti inzuzo yokutshala izimali ebhizinisini ngokuphuma okulandelayo iyatholakala. Izikhwama zingaba izinhlangano zomhlaba jikelele nezihlukene, isibonelo, izinhlangano ezisebenza kuphela ku-IT sphere.