Uhlelo lokutshalwa kwezimali futhi abahlanganyela kuso

Inqubo utshalomali uma silinganisa - yinqubo nokubekwa kwezimali noma yimuphi omunye dolobha, injongo okuyinto ukuthola inzuzo esizayo. Ngamanye amazwi, inqubo utshalomali ungase ucabange njengoba uhlobo senzo, lapho izimali utshalomali noma yimuphi omunye etshaliwe by zimali, umsebenzi, kanjalo umlethe abahola ezingaba khona. Yileyo utshalomali kungenziwa uthathwa njengomunye wezinye izindlela ongazithatha ukuze enze inzuzo by imali dolobha.

Inqubo utshalomali kuyingxenye ebalulekile yomnotho yesimanje. Nokho, Zimali empeleni e indima umbolekisi, ingozi nokutshala izimali kuhlukile credit ingozi. Le mali futhi isithakazelo, kungakhathaliseki ukuthi inzuzo kumele abuyiswe kungakapheli isikhathi esibekiwe, futhi ngaleyo ndlela ulethe imali. Ungalindela okufanayo ku nenzuzo yokutjala okungaphezulu futhi nokwenza imali kungenzeka kuphela uma a inzuzo utshalomali iphrojekthi, ngaphandle kwalokho ungase ulahlekelwe utshalomali.

Inqubo utshalomali siqukethe uchungechunge izinqubo ezenza zimali ukukhetha amaphrojekthi utshalomali, usayizi utshalomali, isikhathi kokusebenza, ukutshalwa kwezimali zawo kakhulu futhi, ekugcineni, ukuqapha ukuqaliswa kwe-project.

Nokho, kube yilowo nalowo wemali encane ine isikhathi sokuba akhethe izixazululo ehlukile, ingasaphathwa ubuchwepheshe ezidingekayo.

Kuyinto akukho ngozi ukubukeka inani elikhulu lwezinhlobo ezahlukene utshalomali collective eklanyelwe zokuhlangabezana nalezo zidingo. Mhlawumbe uhlobo ezivamile futhi othembisayo utshalomali collective kuyinto inkampani utshalomali.

Investment ifomu ihlelwe ngokukhethekile umlamuli zezimali, okuyinto bakhangwa zimali kusuka izimali abelwe ukuthengwa imali. Zimali, esikhundleni salokho, afakwa amalungelo athile maqondana kokubili amafa abeyizuzile futhi inzuzo.

Ngakho, omunye wemisebenzi eyinhloko izinkampani izimali ukuhlanganisa inhlokodolobha abatshali bezimali abaningi ukuba babe nezinhloso esifanayo utshalomali. Ayevame khona amafomu alandelayo:

• mutual funds (levulekile inkampani utshalomali);

• avaliwe ekupheleni izimali utshalomali.

Zimali ngale ndlela ushwele kokuba abaningi, mhlawumbe, wayazi izinqubo ngokwanele, isibonelo, ukubala ingozi, ezimali kanye intela - unesibopho bonke abaphathi abanolwazi.

Investment sikhwama sivumela zimali ukunciphisa izingozi utshalomali. Lena - indlela jikelele imali inhloko-dolobha yabo, ngoba kulesi simo ungakhetha isilinganiso elilungile phakathi riskiness kokutshalwa kanye nezinga inzuzo yabo.

Umnikeli Isikhwama ngokusemthethweni ingxenye ukwenza umnikelo, ungumnikazi ukwabelana ngamunye ukwabelana amafa yesikhwama utshalomali, kodwa empeleni, empeleni, ukubamba iqhaza ekuphathweni inkampani okuhlangene isitokwe ayikwazi - isithakazelo ayenaso emihlanganweni ka bamasheya ngokusemthethweni ukumela abaphathi ngubani lapho uthenga amasheya ke, la mandla zidluliselwa. I real futhi umnikazi esisemthethweni zonke ukwabelana kwenhlangano engokomthetho kuyinto Isikhwama utshalomali.

Ukuvela izinhlobo ukumpontshelwa inqubo isitokwe utshalomali kulula capital komunye legatsha kwenye. Kungashiwo ukuthi izimali utshalomali Uyi omkhulu dolobha labathaki bamafutha. Siyabonga kubo, abatshalizimali abavamile ungagcina bese buthelela dolobha, ngenkathi kugwenywa izingozi nakanjani elihlobene ne ukutshalwa kwezimali.

Kusobala ukuthi le nqubo utshalomali, njenganoma iyiphi enye, okuyinto subordinated ekuzuzweni kwemiPhumela Izinjongo othize, okudinga ukuphathwa.