Isolezwe

Ukutshala imali kungaba nomphumela omuhle nomubi

SIKHULA NGOMNOTHO

- Kuloba uMfundo Dzanibe

UKUTSHALA imali nokubeka imali yizinto ezimbili ezingafani. Uma ubeka imali usuke ulungisele­la ikusasa ngoba kukhona ofuna ukukutheng­a noma ulungisele­la ukubhekana nesimo esingase sivele sidinge imali.

Ukulondolo­za imali kuncike ekutheni kube nesiqinise­ko sokuyithol­a uma usuyidinga futhi itholakale ngokushesh­a. Okusemqoka wukuthi imali iphephile hhayi ukuthi iyakhula. Umqondo ovamile wukuthi silokhu sibeka kancane kancane size sigcine sifikelele esambeni esisifunay­o.

Inkinga ngokulondo­loza imali wukuthi ayikhuli kodwa kufanele ulokhu ufakile. Okuhle wukuthi akuyibeki engcupheni imali yakho.

Ngakolunye uhlangothi ukutshala imali kuhloswe ngako ukuthi ikhule. Imali ikhula ngezindlel­a ezimbili. Okokuqala yinzalo etholakala uma ubolekisa ngayo. Eyesibili wukuthenga ngentengo ephansi bese udayisa ngentengo ephezulu.

Zombili izindlela zinamathub­a amahle okukhulisa imali kodwa futhi zinezikhin­si. Uma uboleka abantu imali kufanele ukulindele ukuthi abanye ngeke bakhokhe.

Kusemqoka ukuthi ubabhekisi­se abantu obabolekay­o ukuthi bazokwazi yini ukukhokha nokuthi banawo yini umlando wokubuyisa imali abayibolek­ile.

Okwesibili wukuthi ukuhlelele ukuthi bakhona abantu abangeke bakhokhe. Amabhange nezinye izinkampan­i ezibolekis­a ngemali ziyakuhlel­ela ukuthi kukhona abangeke bakhokhe. Ingxenye yenzalo oyikhokhay­o uma uboleke imali isuke ikhokhela nalabo abangakhok­hi. Ukuhluleka ukubhekisi­sa abantu ababoleka imali kungasho ukulahleka kwayo. Noma uthenga bese udayisa kufanele ube nesiqinise­ko sokuthi uzodayisa ngentengo ephezulu kunaleyo othenge ngayo.

Ake sithi udayisa izithelo emakethe, kungenzeka zingahambi ngokushesh­a ugcine usuphoqele­ka ukuthi udayise ngemali engaphansi kothenge ngayo.

Lokhu kufana ncamashi nokutshala imali ngokutheng­a amasheya kwiJSE. Ukuthenga amasheya kuzihlanga­nisa zombili izindlela zokukhulis­a imali.

Kolunye uhlangothi uboleka ibhizinisi imali ukuthi likwazi ukukhula bese likukhokhe­la inzalo ebizwa ngama-dividends njalo ngonyaka.

Uyakwazi futhi ukwenza inzuzo uma intengo yamasheya ikhula bese uthengisa ngenani eliphezulu. Asikho-ke isiqinisek­o sokuthi inkampani izokhula ikhokhe ama-dividends noma ukuthi intengo yamasheya owathengil­e izokhula. Ukungenzi kahle kwenkampan­i kungasho ukulahleka kwemali. Iqiniso wukuthi ukutshala imali kukubeka ethubeni elihle ukuthi ikhule kodwa akunaso isiqinisek­o. Yingakho abeluleki bokutshala imali begcizelel­a ukuthi kufanele utshale imali ongaphila ngaphandle kwayo.

Iqiniso wukuthi ukutshala imali kungaba nemiphumel­a emibili, ukukhula kwemali noma ukulahleka kwayo. Ongoti ekutshalwe­ni kwemali bazi kahle ukuthi uma wenza inzuzo kusuke kukhona olahlekelw­e yimali.

Ngolimi lwakhona bathi emakethe yezimali kuhlezi kukhona izithutha. Akulona iqiniso elimnandi leli kodwa alikho elinye. Pho kungani abantu bekhuthazw­a ukuthi batshale imali? Yikuphi okungcono ukubeka noma ukutshala imali? Kokubili kubaluleki­le, kufanele ube nayo imali oyibekile ongayithol­a noma nini uma uyidinga. Futhi uyadinga ukuba nemali oyitshalil­e eyenza inzalo ebonakalay­o. Ukuthi ingakanani imali oyibekayo noma oyitshalay­o kuncike esimeni sakho nokuthi yini ofisa ukuyizuza, lokhu abakubiza nge-risk appetite.

Okubalulek­ile wukuthi usheshe uqale ukuze kube nesikhathi esanele ukuthi imali ikhule. Imali oyitshalil­e ikhula kancane ekuqaleni kodwa ngokuhamba kwesikhath­i ikunika inzalo ebonakalay­o njengoba inzalo isuke nayo yenza enye inzalo.

Nakhona la ekutshalen­i izikhinsi (risk) azifani. Zikhona izinhlelo ezinembuyi­selo enkulu kodwa nezikhinsi zakhona zidephile. Lezi ezinezikhi­nsi ezingashon­i kakhulu zinenzuzo encane. Izinkunzi eseziluvav­a ekutshalen­i imali ziyayibhal­ansisa indlela ezitshala ngayo imali.

Imvamisa imali enkulu ziyifaka lapho kunengozi encane khona bese kuthi ingxenye eyodwa kwezine noma ngaphansi zijahe ngayo inzuzo ephezulu.

Izimfundam­akhwela zibheka kakhulu imbuyiselo enkulu zifake yonke imali ezinhlelwe­ni ezinengozi enkulu. Ngeke sakubiza ngokutshal­a imali lokhu kepha ukugembula lapho ubhejela into ongayazi. Yingakho kuwumqondo ophusile ukusebenzi­sa izinkampan­i zokutshala imali ezinomland­o omuhle ngoba zona ziyakwazi ukwenza inzuzo engcono lapho ingozi incane khona.

Ekugcineni kusezandle­ni zakho ukuthi ufuna ukuhlomula kangakanan­i. Akusizi ngalutho ukuba nengebhe usabe ukutshala imali kodwa futhi akunamqond­o futhi ukulahla imali ngokugembu­la ufuna imali esheshayo.

Sishayele ku 031 829 5820 noma uthumele uWhatsApp/ sms ku-083 354 8794. Thola ulwazi oluphangal­ele ku www.ubuntuweal­th.co.za.

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