Isinqumo sokutshala izimali singabaluleka njengokukhetha phakathi kokuwela ibhuloho elinyakazayo noma ukulinda isiphepho esinamandla. Ukuba ne-a ithuluzi okusivumela ukuthi silinganise okulindelwe kwenzuzo ngokumelene nengozi kubalulekile. Yilapho itiyori yokusetshenziswa okulindelekile iqala khona ukusebenza, isinika a ukuhlaziywa kwezibalo ukuhlola indlela engcono kakhulu eya phambili ekutshalweni kwezimali kwethu.
Ithini ithiyori yensiza elindelwe?
Ithiyori yensiza elindelwe, ngamagama alula, iyindlela yokuhlola izinqumo ngaphansi kokungaqiniseki. Su Umgomo uwukukhulisa ukwaneliseka komtshalizimali noma "usizo" ngokusekelwe emathubeni kanye nemiphumela engaba khona. Le theory ingaba yinkimbinkimbi ekuqaleni, kodwa uma isiqondwa, kungaba ikhampasi ekusiza ukuthi uzulazule umhlaba ezezimali.
Kungani usebenzise ithiyori yensiza elindelwe ekutshalweni kwezimali?
Ukusebenzisa le thiyori ezinqumweni zakho zokutshala imali kukuvumela ukuthi ucabangele zonke izinto eziguquguqukayo ezingase zibe khona ngaphambi kokuthi ungene. Linganisa ngokucophelela izingozi nezinzuzo, ngaphandle kwalokho izinqumo ezisekelwe ekuzingeleni noma imizwa.
Ungayisebenzisa kanjani ithiyori ekutshaleni kwakho imali
Okokuqala, qala ngokukhomba zonke izinketho zokutshala izimali ezitholakalayo. Konke ukutshalwa kwezimali kunezingozi nezinzuzo ezithile, futhi kubalulekile ukuhlola ngayinye ngokuningiliziwe. Como Isibonelo, ungase unqume phakathi kokutshala imali kusitoko sokuqalisa kwezobuchwepheshe noma isikhwama senkomba esivamile.
Izinyathelo zokusebenzisa ithiyori yokusetshenziswa okulindelekile:
- Bhala zonke izimali ezitshaliwe
- Yabela amathuba kumphumela ngamunye okungenzeka. Lawa mathuba kufanele asekelwe ocwaningweni nakudatha ephathekayo.
- Bala insiza elindelwe kunketho ngayinye yokutshala imali. Lokhu kwenziwa ngokuphindaphinda umphumela ngamunye ongaba khona ngamathuba awo ahlukene kanye nokwengeza yonke leyo mikhiqizo ndawonye.
- I-Compara inzuzo elindelwe etholiwe. Ukutshalwa kwezimali okunenzuzo ephezulu kakhulu elindelekile, ngokusobala, kuzoba okusebenzayo futhi okunenzuzo kakhulu.
Isibonelo esisebenzayo
Cabanga ukuthi unezinketho ezimbili zokutshala izimali: isikhwama senkomba esinembuyiselo elindelekile engu-6% kanye nesiqalo sobuchwepheshe esinembuyiselo elindelekile engu-20%, kodwa esinengozi enkulu engaholela ekulahlekelweni okuphelele. Sebenzisa idatha yomlando, imibono yochwepheshe, nokuqagela ukuze unikeze okungenzeka:
- Isikhwama senkomba: Amathuba angu-95% okubuyiselwa okungu-6% kanye namathuba angu-5% okulahlekelwa okungu-2%.
- Ukuqala kobuchwepheshe: Amathuba angu-50% okubuyiselwa okungu-20% kanye namathuba angu-50% okulahlekelwa okuphelele.
Bala insiza elindelekile ye-investimenti ngayinye:
Isikhwama senkomba:
- (0.95 6%) + (0.05 -2%) = 0.057 + (-0.001) = 0.056 (5.6%)
Ukuqala kobuchwepheshe:
- (0.5 20%) + (0.5 -100%) = 0.1 + (-0.5) = -0.4 (-40%)
Ngakho-ke, ngokombono wokusetshenziswa okulindelekile, isikhwama senkomba sinikeza okukhulu insiza elindelekile futhi kungaba ukutshalwa kwezimali okunengqondo kakhulu.
Izinzuzo zokwenza izinqumo ezisekelwe ekusetshenzisweni okulindelekile
Sebenzisa lo mbono okunikezwayo indlela ehlelekile yokuthatha izinqumo ngaphansi kokungaqiniseki. Iphinde ivumele hlanganisa okuguquguqukayo ngokomzwelo nangokwengqondo, ukuvimbela ukwesaba noma ukuhaha ekucekeleni phansi utshalomali lwakho. Iphinde ikhuthaze ukugxila kwesikhathi eside ngokukusiza ukuthi ubone izinqumo ezikhulisa inhlalakahle yakho iyonke, hhayi nje inzuzo esheshayo.
Ithiyori yensiza elindelwe, ngaphandle kokungabaza, iyithuluzi elinamandla kunqolobane yabatshalizimali abanobuhlakani. Ngokuqonda nokusebenzisa le miqondo, ungakwazi ukuzulazula olwandle oluyinkimbinkimbi lwezezimali ngokuzethemba okukhulu. ukuphepha nokuthula.