Ulawulo lobutyebi, amandla okucwangcisa

Ulawulo lwezobutyebi ngumgaqonkqubo ogcweleyo wotyalomali odibanisa iinjongo zexesha elide lomntu ngezixazululo zezemali, usebenzisa indlela yokubonisana.

Nangona kunjalo, abacebisi abaninzi abachithi ixesha lokuqonda ngokwenene iinjongo zabaxhasi kunye namaphupha abo. Abafaki iinkalo ezibalulekileyo zolwazi kwisicwangciso esibanzi esenzelwe ukufezekisa iinjongo ngexesha elifanelekileyo.

Esona sizathu esiphambili sokuseka eli shishini lethu lokulawula ubutyebi kukunceda abaxumi bethu ukuba babelane ngoloyiko lwabo ngokwasemalini kwakunye neenjongo zabo; kunye nokubanceda bafezekise ezi njongo. Sinikeza iintlobo ezahlukeneyo zemveliso zemali kunye neenkonzo ezixhomekeke kwiimeko ezipheleleyo zezimali zabaxumi bethu.

Isicwangciso semali esenzisiswe kakuhle

Ukuphuhlisa uxwebhu olusemthethweni olucacisa isicwangcisomali somthengi, luyinto ebalulekileyo kwinkqubo yolawulo lwethu lobutyebi. Elona xabiso lesi sicwangciso kukuba lithatha inkqubo engabonakaliyo yokucwangcisa imali liyenze ukuba libe yinyani.

Ungasifunda, usiqonde, uphinde ubuyele kuso uze ucacisele usapho kunye nezihlobo zakho. Kwakhona kubaluleke kakhulu kumphathi wezobutyebi ukwenzela ukuba akwazi ukubhekisela kwisicwangciso ngexesha lokuphononongwa kweentlanganiso kwaye abeke inkqubo yokusebenza kwimeko ende. Kodwa nangona kunjalo inkqubo yokuphathwa kobutyebi ihambela ngaphaya kotyalo lomthengi. Injongo yakhe nomphi na umphathi wezobutyebi kukuba “Ligosa eliyintloko lezemali” zomxumi ubomi bakhe bonke. Lo msebenzi unwenwela kwilifa, umhlalaphantsi kunye nocwangciso lomngcipheko.

Incoko yokucwangcisa

Kubalulekile kubaphathi bethu bezobutyebi ukuhlakulela ubudlelwane obuqinileyo kunye nomxhasi; oku kusinika ulwazi olunzulu ngohambo lobomi bakho.

Entliziyweni yakhe ukuphuhlisa isicwangciso yincoko phakathi komxumi kunye nomphathi wezobutyebi.

Kukule ncoko apho sikwaziyo ukufumanisa iinjongo zomthengi, amaphupha kunye nokwazi amava akhe adlulileyo otyalo mali.

Izinto ezibalulekiyo xa usenza isicwangciso

Ngokuthi sithethe banzi ngayo yonke imiba yobomi bemali yabaxhasi ngexesha lokufumanisa kunye nentlanganiso yokucwangcisa, sichaza imisebenzi ethile ekufuneka sijonge kuyo njengoko sishukumisela umthengi ngakumbi kwaye sisondele kwiinjongo zabo.

Eminye yemiba emelwe icingwe:

* Isicwangciso sokutyala imali

Kuhlala kusithiwa abantu bachitha ixesha elininzi becwangcisa ngokuya kwiholide yeeveki ezimbini kunokucwangcisa ngokutyala imali. Inkqubo yocwangciso yotyalomali kufuneka ikhokelele ekuqikeleleni izidingo zokufezekisa iinjongo zomtyalimali, kuthathwe ingqalelo yokuba iinjongo ezizodwa zabaxhasi, ixesha, isiseko see-asethi zangoku, uvelwano lwentlawulo kunye nokunyamezela, phakathi kwezinye izinto.

* Isicwangciso somhlalaphantsi

Ukucwangcisela umhlalaphantsi ayonto imelwe ingathathelwa ngqalelo.

Oku kubangelwa kukuba imali oyilondolozela umhlalaphantsi yeyona asethi yakho inkulu. Ngako oko kumele wazi indlela izigqibo ozithathayo ziza kuchaphazela njani ebomini.

Xa uthatha umhlalaphantsi uza kube ujongene nengxaki yokuba izigqibo osele uzithathile azijikeki. Xa ucwangcise kakuhle; ulondoloze imali, kwaye ubenolwazi oluphangaleleyo ngezigqibo zakho, ungakwazi ukuba nomhlalaphantsi okhuselekileyo.

* Ucwangciso lomngcipheko

Ucwangco lomgcipheko lubalulekile ukukhusela ii-asethi zakho kunye nokubonelela usapho lwakho xa sele uswelekile. Ingakwazi nokukunika ukhuseleko kunye nolawulo oluluqilima kubutyebi bakho xa ungasweleka, ukhubazeke okanye ugule. Ikwavumela usapho lwakho ukuba lungathwali umthwalo wokungabi namali.

Ukuba sele unaso isisombululo somngcipheko, abaphathi bezobutyebi bangakwazi ukuvavanya ukufaneleka kwezicwangciso zokufa kwakho, ukukhubazeka kunye nezifo baze bakubalele ukuba ungasilela kweyiphi na indawo.

* Isicwangciso serhafu

Isicwangciso serhafu yindlela yokuzicwangcisela izinto zakho apho ungathi wehlise imali engatsalwa yerhafu. Oku kwenziwa ukuba kumataniswe iinjongo zakho zemali kunye nemali yerhafu engatsalwa.

Umphathi wezobutyebi uza kukunceda ukuba uhlangabezane nazo zonke izicwangciso zesicwangciso sakho sezemali ngendlela efanelekileyo yerhafu.

Injongo ephambili yokucwangcisa irhafu kukusebenzisa imithetho yerhafu yangoku kwiimeko zakho zemali, ukwenzela ukunciphisa ingeniso yakho yerhafu ngexesha.

* Isicwangciso selifa

Ukuba nencwadi yelifa kunye nokucwangcisela ukukhusela nokugcina ubutyebi bakho yenye yezinto ezibaluleke kakhulu ongazenza.

Ukucwangciswa kwelifa kuthetha ukuba uyakugcina ubuninzi bobutyebi nobuza kuzuzwa ngabo bazakuxhamla kulo.

Okanye, onganelifa elikhulu, kwaye unciphise nayiphi na impembelelo yentlawulo yerhafu. Apha, kuya kufuneka usebenzise ubuchule obuninzi obucwangcisiweyo kwisicwangciso sakho sempahla, sengxowa yakho yemali.

Iimeko eziqhelekileyo zokuphumelelisa abaxumi

Abathengi banamhlanje abafuni bathengisi kodwa bafuna abacebisi abafanelekileyo kakhulu abazinikezeleyo kwimpumelelo yabo yemali.

Ukuqala ulwalamano lwabaxumi kunye nesicwangciso esicingisisiweyo kakuhle nesiza kuqinisekisa ukuba abaxumi baya kuba neyona ndlela efanelekileyo yokufikelela kwiinjongo zabo zexesha elide nesingakwazi ukuqinisekisa isicwangciso sekamva elihle.

Sikholelwa ngokunyanisekileyo ukuba ulawulo lobutyebi lunokongeza kuphela ixabiso ukuba, kwaye kuphela, ukuba lufanelekile kwiimfuno zomntu ngamnye.

Sijonge ukunyusa iimveliso zemali ezinikezela abathengi ngemali. Ngoko xa sithatha izigqibo zemveliso eziza kuqinisekisa intlalontle yexesha elide sukube sicinga ngabathengi bethu engqondweni.

Qhagamshelana ne-Inkunzi Wealth Group 087 160 0018, okanye kwi: email invest@iwgsa.co.za.