Ukuthengisa Okufushane Kungaba Kanjani Ingozi?
Kuvamile ukubona igama elithi ukuthengisa okufushane ezindabeni. Kuyisu elivame ukusetshenziswa ngabatshalizimali abaziwayo. Baphinde babelane ngamasheya abo amafushane esidlangalaleni, okuholela ekutheni abatshalizimali abaningi bezitolo balandele ukuhola kwabo. Nokho, iqiniso lihlala liwukuthi ukudayiswa okufishane kuyingozi, futhi abatshalizimali bezitolo kufanele bakugweme. Nakuba kungase kube yiqiniso ukuthi izimali nabatshalizimali abanenani eliphakeme bathola imali eningi eshodayo, kuyingozi futhi. Kuso sonke lesi sihloko, sizohlola umqondo wokuthengisa okufushane futhi sihlole ubungozi obuhlobene.
Ukuthengisa okufushane - kuyini?
Ngokuvamile kuba nezinhlangothi ezimbili kukho konke okwenziwa ngemali. Ngasohlangothini lokuthenga, kukhona amaqembu amabili, futhi ohlangothini lokuthengisa, kukhona amaqembu amabili okuhweba. Ukuthenga nokuthengisa kuvame ukuhlelwa ngokulandelana kwesikhathi. Ngenxa yalokho, iqembu lidinga ukuthenga uhlobo lwemali kuqala, bese liyibamba isikhathi esithile, bese liyayidayisa.
Kukhona, nokho, enye indlela yokuhweba ngemakethe yamasheya. Umhwebi angakwazi ukuboleka imali kumthengisi futhi ayithengise kamuva, okuholela ekuhwebeni okufushane. Ukuhweba okufushane akudingekile. Uma intengo yohlobo lwemali yehla, umhwebi uzoyithenga futhi emakethe futhi ayibuyisele kumthengisi. Ngamanye amazwi, ukuhweba okufushane kuphambene nokuhweba okude. Kuyithemba lomtshali-zimali ukuthenga isibambiso sesikhathi eside elindele ukuthi izokhuphuka intengo. Umtshali-zimali wesikhathi esifushane, noma kunjalo, uthemba ukuthi ukuphepha okuyisisekelo kuzokwehla ngentengo lapho bethengisa ukuhweba kwesikhashana. Ngakho-ke, ukuthengisa okufushane kuyindlela yokuthola inzuzo lapho izimakethe ziphansi.
Ukuthengisa okufushane kuyingozi kakhulu ngenxa yezizathu ezilandelayo:
Unlimited Downside
Abatshalizimali besikhathi eside bangalahlekelwa kufika ku-100% wemali abayitshalile. Inani le-investimenti lingase libe nguziro uma inkampani iwa. Abatshalizimali bangalahlekelwa amanani angenamkhawulo uma beshoda ekutshalweni kwezimali. Lokhu kungenxa yokuthi imali ingakhuphuka kunoma yiliphi izinga, ngakho-ke umtshali-zimali angase alahlekelwe imali ephindwe kabili kunaleyo ayitshalile uma uhlamvu lwemali lukhuphuka ngo-200% lapho kulindeleke ukuba liwe.
Izingcingo ze-Margin
Kuvamile ukuthi abatshalizimali babhekane nezingcingo ze-margin lapho beshosha imali uma inani layo liguquguquka liye kolunye uhlangothi. Abatshalizimali kulindeleke ukuthi bafake imali eningi kumthengisi wabo ukuze baqhubeke nomsebenzi uma lezi zingcingo zemajini zamukelwa. Uma umtshali-zimali engayifaki imali eyengeziwe, umthengisi uzokhipha isikhundla ngaphandle kwemvume yakhe. Labo abanesikhathi kanye nokuthambekela kokuqapha ukunyakaza kwamanani nokwenza izinqumo yibona kuphela abakwazi ukuthengisa kancane ngenxa yalezi zingcingo ezihlala njalo. Ngenxa yokuthi abatshalizimali abadayisayo bangabatshalizimali abangenzi lutho, abanaso isikhathi sokucabanga ngalezi zinqumo phakathi nosuku, ngakho ukuthengisa okufushane akubalungele.
I-Buy-In kanye Nokucindezela Okufushane
Akuzinzile ngokwemvelo ukuhwebelana ngemali emfushane ngoba abatshalizimali abakwazi ukulawula uhlobo lwemali abaluthengayo. Kwezinye izimo, nakuba uzimisele ukukhokha inzalo emalini, ingase ifunwe ngokuzumayo umbolekisi. Ukuthenga kubizwa ngokuthi lolu hlobo lomsebenzi.
Abathengisi abafushane baphoqeleka ukuthi baqede futhi bakhokhele ababolekisi babo ezimeni ezinjalo. Ezimweni ezifanayo, ungase wenqatshwe ukudayiswa kohlobo lwemali naphezu kokuthi uzimisele ukukhokha inani elifanelekile.
Lokhu kwaziwa ngokuthi ukuminya okufushane. Uma lokhu kwenzeka, ngeke ukwazi ukuphinda uthenge imali bese uyibuyisela kubabolekisi. Ngenxa yokujaha kwabathengisi abafushane ukumboza izikhundla zabo, kunesidingo esikhulu semali. Kuholela ekuminyanisweni okufushane okubangela ukuthi amanani emali enyuke ngokushesha.
Isiphetho sendaba
Ngakho-ke, ukuthengisa okufushane kuyingozi ngokwemvelo futhi kuyaqagela. Abatshalizimali bangaba ngcono uma begwema leli su ngenxa yesimo salo sokuqagela.
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