Ingeniso ababezibiza - yintoni na le nto? Le umyinge wesiqhelo senzuzo

imali ababezibiza - kubalulekile ukuba ukubala apho kusetyenziswa amagama kuphela zemali, ngoxa phantsi kobhaliso: kwinqanaba kwamaxabiso, ukunyuka kwamaxabiso kunye namandla ukuthengwa imali.

Iindlela zokubona ukungalingani zemali

Abantu khona phakathi koluntu, ukuba imigangatho eyahlukeneyo yengeniso, ke ngoko, babe ngabantu abakwizihlalo abahlukene. ingeniso ababezibiza - oku yi ixabiso elililo lemali.

Yokwazi ukuba zabiwa ngayo imivuzo, sebenzisa enye yezi ndlela zilandelayo:

• ubuchule manani ukumisela ixabiso we computeryomndilili.
• Ukwenziwa amaqela, kuxhomekeke kubukhulu ingeniso kunye luthelekiso amaxabiso abangenagama ezi ukuzibaxa izinto.
• Lorenz kwigophe, ukwakhiwa okuvumela ukumisela ubukhulu ukungalingani kuluntu nge lonyuselo (ukwanda) isiphumo.

ingeniso wesiqhelo kunye real

ingeniso ababezibiza - kuba sonke isixa-mali ukuba umntu ufumene ngexesha elithile.

Ingcamango yengeniso yokwenene kufaka ukubala inani kweempahla kunye neenkonzo, nto leyo ekugqibeleni wayenako umthengi. Asinto ixabiso elililo, kunye neenguqu kwixesha lomyinge level (wokwenene) of ingeniso index kwamaxabiso. Kungenxa yoko le nto ixesha yesiseko yoqobo kuthatha a kuqondana kwezi ntlobo yengeniso, waza wenza ukubalwa utshintsho ixabiso kwithuba ixesha, kwaye ebangela umahluko phakathi kwengeniso wesiqhelo kunye yokwenene kwithuba langoku.

Eli yengeniso ngama

Ngokuqhelekileyo, ingeniso ababezibiza - sisixa imali ukuba umntu ufumene okanye efunyenwe ngexesha lokudla kwabo. Kwakhona kungabandakanya zonke iintlobo izixhobo eziphathekayo kunye neenkonzo ezithengiweyo okanye ekuveliseni ngexesha xesha.

Ukubaluleka kwingeniso ukuyiqikelela njengomsebenzi lomsebenzi kunye neqondo ukusetyenziswa. imali lokwenyani yile:

• le mali evela ishishini;
• payroll;
• kwentlawulo scholarship;
• yezibonelelo zentlalo;
• kwe pension;
• of izahlulo ezifunyenwe izibambiso;
• yezinye ingeniso efunyenweyo, ezifana evela kwintengiso welifa okanye kumhlaba wezolimo.

Ngokusekelwe izinga leengeniso, singakwazi ukuthetha-ntle wonke ummi kwaye kangakanani ukuba ikwazi ukukhawulelana uluhlu ngokupheleleyo iimfuno zabo ngokomoya nangokwenyama. Ngomhla isixa anemivuzo ephantsi iphenjelelwa yimiba ezifana: umvuzo, ingeniso evela imixokelelwane, umgangatho xabiso emarikeni kunye nexabiso nenzaliseko yawo.

phezu imithombo

ingeniso ngama wakhula? Nantoni na ingenzeka, ingakumbi xa kukho kukuhla kunyuka kulo mthombo. Ngokomzekelo, ukwanda umvuzo, ingeniso evela ukuhlalwa izibambiso okanye isixa kwintlawulo asethi eziqeshiweyo. Kodwa ingeniso becala wesiqhelo amiliswe ngenxa iintlawulo zikarhulumente. Le mali isetyenziselwa ukuthenga iimfuno zentlalo: zokufunda, iinkonzo zonyango kunye nezibonelelo ezahlukeneyo.

imali engengakanani yeyona nto enkulu ukwenzela uphuhliso eluntwini. Ngokomzekelo, omnye umsebenzi ophucukileyo kunempembelelo entle ukukhuthala, uxanduva kunye nengqeqesho ukusebenza. Ukuba uncedo na axhome, oko kunokukhokelela nomkhwezeli - abantu ngokukhawuleza waphelelwa ngumdla imisebenzi yabo.

Credit nenkqubo emali

Njengenxenye ubudlelwane emali iingeniso wesiqhelo abantu beli zahlulwe ngolu hlobo lulandelayo:

• intlawulo, apho lisebenza njengesiseko nayiphi na inkqubo karhulumente;
• inzuzo evela ekukhuleni izibambiso;
• mboleko ebhankini ukuze kwakhiwe indlu;
• Loan Party, ebibanjelwe ekuhlaleni umthengi;
• lokuwina lotto;
• bahlawuliswe ezahlukeneyo okanye umsebenzi;
• ubukho izimali ezikhoyo okwexeshana, kwakheka ngenxa yokufumaneka kwempahla ngetyala;
• Enye ingeniso evela kwintengiso yempahla eshukumayo zobuqu.

Ukongeza, kwingeniso ngegama kuquka intlawulo zomthetho njengoba werhafu. Oko kukuthi, ezi ntlawulo angumthombo ukubunjwa izibonelelo ezongezelelweyo kunye nokwabiwa eyinkunzi.

Izinto yengeniso

Income sabantu - oku imali kwaye izibonelelo uhlobo efunyenweyo kangangexesha elithile. Eyokuqala ibandakanya nayiphi na ingeniso yemali: ngusomashishini ingeniso, imivuzo yabasebenzi, iinzuzo, inkamnkam, yokufunda, inzala, izahlulo, irenti, kwaye imali evela kwintengiso izibambiso, indawo okanye iimveliso zezolimo, njl Isaveyi mali Family olwenziwe yi-manani zikarhulumente musa ithathele ingqalelo igalelo yokunyuka ebhankini imali.

Income in uhlobo - ezi imveliso kwiindawo ezinjalo yekhaya, ezifana nezolimo, izilwanyana kunye nokulima zeenkukhu. Ukongeza, apha ukuze ziquka nayiphi na imveliso, iinkonzo, okanye ezinye izinto ezingeyomali (iiPC., Kg ngeyure) efunyenwe ngaphakathi ebaleni okanye egadini iziza, ifama ngamnye. Olu didi kwakhona kuquka izipho samozagotovki endalo, ilungiselelwe ukusetyenziswa buqu (ifom non-yorhwebo).

emali

Ngaphezu zagutyungelwa ke imbono ngokweenkcukacha "ingeniso yokwenene encinane." Ukunyuka kwamaxabiso ungalungisa kakhulu umgangatho inzuzo, ngenxa yokuba, kalula, imali yanto. Oku kwenzeka ngenxa yokukhula ngokuchasene nemvelaphi kwinqanaba yengeniso odlulileyo amaxabiso. Ukunyuka kwamaxabiso - ayikho jump engenamsebenzi kwamaxabiso, kunye nemeko elide yaye kunzima, kulawulwa ngurhulumente ngokusetyenziswa kwezixhobo ezahlukeneyo zoqoqosho.

Neziphumo ezimbi kakhulu kwamaxabiso - lo ubungakanani nokunikezelwa kwengeniso kwakunye nobutyebi. Kule meko, ukuhla kwamandla lokuthenga mali ngenxa yomonakalo lonke uluntu.

A ukwehla kwingeniso ngokwenene kwimeko ukuba ukukhula ingeniso nominal ngezantsi izinga lokwenyuka kwamaxabiso. Ngenxa yoko, nabani na ubunzima: umntu ofumana ingeniso esisigxina (abaqeshwa bakarhulumente, umhlala-), umnini yedipozithi lokonga, ngokunjalo endodeni.

Kungenxa kwindawo kunolunye;

• ngusomashishini, ixabiso kweemveliso ezigqityiweyo ikhula ngokukhawuleza ngaphezu izibonelelo ezifunekayo ukuze umenzi wayo;
• onetyala;
• State, ukuba ahlawule imali cheap iimbopheleleko zabo.

Ngoko ke, lo ukunyuka "irhafu" kuza kufuneka 'ahlawule "ethenjiweyo somamkeli ngamnye mali esisigxina, yaye" mali "uya kufumana kwabo imivuzo yabo imali aphakame ngokukhawuleza ngaphezu kwamaxabiso. Isiphumo - ingeniso kunye nobutyebi kuphindwe.

Inkqubo ukubalwa ingeniso yokwenene

Phantse wonke umntu uyazi ukuba phantsi ingeniso lokwenene aqondwe kwamaxabiso ingeniso thabatha. Ukunyuka kwamaxabiso kwenzeka nayiphi na imveliso, iimpahla kunye neenkonzo. Iinkcukacha-manani zibonisa ukuba kule minyaka ili-15 idlulileyo kuye kwabakho ulwando oluphindwe-5 kwamaxabiso. Oku kunokwenziwa uyicacise umzekelo olula: imali lonke eli xesha walala phantsi umatrasi, ngaphambi kokuba uthenge ii-apile ezi-5, kodwa ngoku mnye kuphela.

Ukuze kulondolozwe amandla ukuthengwa abantu badla nokutyala imali yabo wesixhobo zemali - idipozithi, imali, ezithengiswayo. Thuthu watsala izabelo, iibhondi kunye amatye anqabileyo.

Le umyinge wesiqhelo lembuyekezo thabatha emali ukuba isivuno lokwenene. ixabiso layo kunokuba kuzo ebezintle nezo zingentle.

Malunga ixabiso baviswa imixokelelwane yengeniso coupon

Amaxabiso yangoku iqhina - ke cash flow ezilindelekileyo ngokunxulumene kwixesha langoku. Ubume-cash flow iqulathe amacandelo amabini: wesiqhelo phetshana kunye ubuso nexabiso izitropu.

Iindleko luxhomekeke kwezi meko zilandelayo:

1. Ukuqwalaselwa kwemali kwimeko axa umdla coupon ziya kuhlawulwa, ezakutshintsha kuxhomekeke iimeko eziye zenzeka ngexesha umba bond.
2. market returns Ubukhulu ithathela ingqalelo ngengozi kolu hlobo lotyalo-mali. Ubukhulu isivuno efunekayo usenokwahluka ngokuxhomekeke kwixesha operation.
3. bond nganye ixesha ezisikelwe, kukuvela leyo efuna ukurhoxiswa kwayo.

Bonds: Ixabiso kunye nezinto ezichaphazela ngayo

Ngomhla ixabiso iqhina zinakho iphenjelelwa yimiba eyahlukeneyo, ezizezi:

• izinga lenzala;
• ukuthandwa nokuthembeka umnikeli;
• ixesha ekuvuthweni;
• ixesha kwegazi.

Kakade ke, ixabiso neentambo iphenjelelwa kakhulu zixhonywe kunye ukukhululwa umyinge wenzala phezu inkcazelo yayo, yona, iphenjelelwa kwexabiso elibekiweyo ngayo ulwalamano kunye nongeniselo. Ukuba umtyali-mali sele investment ezinye ezemali, kunye nezinye iimeko bayalingana, ukhetho uya kuwa baxhasa imbuyekezo kakhulu. Umzekelo, ukuba ixabiso coupon isivuno-12% ngonyaka kwaye enye kuguqulelo lwe investment ikwazi ukubonelela ingeniso enye, oluyintambo kufuneka zithengiswe ngexabiso elifikelelekayo.