- Ukuphathwa kwengcebo kuhlaziya futhi kuhlele zonke izimpahla, amalungelo, kanye nezikweletu ukuze kuhambisane nemigomo ecacile yesikhathi eside.
- Uhlelo lwengcebo oluhlelwe kahle luthuthukisa intela, luhlukanisa izingozi, futhi luthuthukisa imbuyiselo iyonke yezimpahla.
- Ukusekelwa ngumphathi ochwepheshe kusindisa isikhathi nemali, kuvimbela amaphutha abizayo, futhi kunciphisa izingxabano zomthetho zesikhathi esizayo.
- Ukubuyekezwa njalo kanye nokuphathwa okusebenzayo kugcina izimpahla zivumelaniswe nezinguquko zomuntu siqu, zebhizinisi kanye nezemakethe.
Ukuphathwa kwengcebo Kudlulela ngalé kokutshala imali nje kuphela. Uma kwenziwa kahle, kuhilela ukuhlaziya ngokucophelela konke onakho—izimpahla, amalungelo, izikweletu, kanye namaphrojekthi esikhathi esizayo—ukuze uklame isu elikuvumela ukuthi ulondoloze, uvikele, futhi, uma kungenzeka, wandise leyo ngcebo ngokuhamba kwesikhathi. Akukhona nje ukufuna imbuyiselo, kodwa ukwenza kanjalo ngokuhlakanipha, ngokubona kusengaphambili, nangokwahlulela okunengqondo. uhlaka lwezezimali nolwezomthetho.
Nakuba abantu abaningi behlobanisa ukuphathwa kwengcebo nengcebo enkulu kuphela, Noma ubani onenani elithile lempahla angazuza ohlelweni lokuphathwa kwengcebo oluhlelwe kahle.Akunandaba ukuthi unayo inkampaniKungakhathaliseki ukuthi unezindlu noma imali oyilondolozile, noma unemali encane, unesu elicacile, futhi uma kungenzeka, uchwepheshe ozokuqondisa, angenza umehluko phakathi "kokuqhubeka" noma ukwakha isisekelo sempahla esiqinile nesilungiselelwe ikusasa lomndeni wakho nebhizinisi lakho.
Kuyini ngempela ukuphathwa kwengcebo?
Inqubo ehlelekile ukuhlaziya, ukuhlela, nokuhlela isethi yezimpahla, amalungelo, kanye nezibopho zomuntu ngamunye, umndeni, noma inkampani. Lokhu kufaka phakathi kokubili izimpahla zezimali (imali, ukutshalwa kwezimali, imikhiqizo yasebhange, amasheya esikhwama, njll.) kanye nezimpahla ezingezona ezezimali (izindlu, izindawo, umhlaba, izimoto, amabhizinisi, izimpawu zokuhweba, amalungelo obunikazi, noma enye impahla ephathekayo noma engaphatheki).
Ngokwenzayo, Isinyathelo sokuqala sihlala siwukuhlaziywa okujulile kwesimo sezezimali.Lokhu kuhlanganisa ukuhlonza ukuthi yiziphi izimpahla ezigcinwe, ukuthi zakhiwe kanjani, yiziphi izingozi ezikhona, yiziphi izikweletu ezihilelekile, yiziphi izimali ezitshalwayo, kanye nemiphumela yentela kanye neyomthetho yesikhundla ngasinye. Kusukela lapho, kuchazwa umgomo ocacile (ukugcina, ukukhulisa, ukudlulisa, ukuhlukanisa, njll.) bese kwakhiwa uhlelo lwesu oluhambisana nalowo mgomo.
Lokhu kuhlela kungafaka phakathi izinhlelo zokonga zesikhathi eside, amasu okutshala imali ahlukahlukene, izakhiwo zokunciphisa umthelela wentela wemisebenzi ethile, noma izindlela ezithile zokudlulisela izimpahla (ngokwesibonelo, ama-trust noma amalungiselelo alinganayo (kuye ngokuthi izwe linjani). Into ebalulekile ukuthi zonke izinqumo zigxile emgomweni ohambisanayo kanye nesikhathi esichazwe kahle.
Uma sikhuluma ngabantu ngabanye, I-Equity ihlanganisa kokubili izimpahla kanye nezikweletuLokhu kufaka phakathi izindlu, amabhizinisi, amasheya ebhizinisi, ukutshalwa kwezimali, izimali mboleko ezisasele, izimali mboleko zezindlu, kanye nezimpahla ezingabonakali njengezimpawu zokuhweba noma amalungelo obunikazi. Emabhizinisini nasemaqembu omndeni, isimo siba nzima kakhulu ngenxa yezakhiwo zezinkampani, amazinga ahlukahlukene obungozi, izintshisekelo zamalungu omndeni amaningana, kanye nesidingo sokuxhumanisa izimpahla zebhizinisi nezomndeni.
Kukho konke lokhu, ochwepheshe abakhethekile Abaphathi bengcebo bazinikele ngokunembile ekuqondiseni amakhasimende kulo lonke lolu hlelo. Basiza ekukhetheni amasu afanele kakhulu, bakhe amaphothifoliyo okutshalwa kwezimali ahambisana nezinhloso zeklayenti, futhi bavumelanise uhlelo nemikhuba yemakethe, izinguquko zomthetho, kanye nezimo zomuntu siqu noma zebhizinisi zeklayenti.
Iyini inhloso yokuphathwa kwengcebo futhi yiziphi izinhloso ezilandelwayo?
Ukuphathwa kwengcebo kusetshenziselwa oda futhi ulungiselele Yonke imali etholakalayo, kusukela kwezezindlu namabhizinisi kuya emikhiqizweni yezezimali kanye nokwabiwa kwemali. Inhloso yayo ukuthi leli qoqo lezinsiza lisebenze ngendlela ehlelekile nenenjongo, hhayi njengephazili yezimpahla ezingahlelekile ezikhethwe ngokungahleliwe.
Isimiso esiyisisekelo salo lonke ukuphathwa kwengcebo enhle sithi nokwenza kahle kwezinsizaKodwa njalo kusukela emgomweni othize. Isibonelo, umuntu onenkampani, izindawo ezimbili, kanye nezimoto eziningana angase abeke umgomo wakhe oyinhloko oshiya ifa elihlelwe kahle ezinganeni zakhe ngendlela efana ne-trust noma ukuhlela ifa okuthuthukisiwe. Kuleso simo, indlela izimpahla eziphathwa ngayo izoqondiswa ekuqinisekiseni ukuthi ukudluliselwa okuhlelekile, kanye nomthwalo wentela ophansi kakhulu kanye nokungqubuzana okuncane kakhulu phakathi kwezindlalifa.
Kungenzeka futhi ukuthi inhloso eyinhloko akuyona ukudlulisa, kodwa gcina izinga lokuphila ngesikhathi sokuthatha umhlalaphansiUkuhlukanisa izingozi noma ukuvikela izimpahla ezigamekweni ezingalindelekile. Kuye ngomgomo—ukukhula okunolaka, ukuzinza, ukuvikelwa ekukhuphukeni kwamanani entengo, ukuthengwa kwemali kwesikhathi esizayo kwephrojekthi yebhizinisi, njll.—isu lizohluka kakhulu, nakuba lihlala lingaphakathi kohlaka lokusebenza kahle kanye nokulawulwa kwezingozi.
Ezindaweni eziyinkimbinkimbi zebhizinisi noma zemindeni, izintshisekelo ezihlanganisiwe Kubantu abaningana, ukuhlela izinkampani, izimpahla ezibambisene, izimoto zokutshala imali, kanye nempahla yomuntu siqu kubalulekile. Lapha, kuvamile ukusebenza nezinhlaka ezingama-360º ezibandakanya amaqembu ahlukene: ochwepheshe bezezimali, intela, ezomthetho, kanye nokuphathwa komndeni, konke kugxile ekuvikeleni ifa nokuqinisekisa ukuhambisana okuphelele.
Ngemva kwakho konke, yenza imali yakho kanye nempahla yakho ikusebenzele ngokuhlakanipha, esikhundleni sokumane "ubekwe eceleni" noma ungasetshenziswa ngokwanele, futhi wenze kanjalo ngokuqiniseka okusemthethweni, ukusebenza kahle kwezezimali, kanye nohlelo olunengqondo eminyakeni eminingana kusukela manje.
Izinzuzo zokuphathwa kwengcebo okuhle
Izinzuzo ezidlula kude kakhulu Kudlula ngale kwenzuzo elula yezinombolo. Kusiza ukuqonda ukuthi yini onayo ngempela, ukuthi uthatha izinga elingakanani lengozi, ukuthi yiziphi izidingo zesikhathi esizayo okuzodingeka uzimboze, nokuthi yiluphi uhlobo lokutshalwa kwezimali olufanelana kangcono nesimo somuntu siqu noma sebhizinisi esimweni ngasinye.
Inzuzo yokuqala ebalulekile yi- ikhono lokunciphisa umthelela wezezimali wesikhathi esideUkukhetha izakhiwo zomthetho ezifanele, ukuhlanganisa indlela yokubhala izimpahla, ukusebenzisa izinzuzo ezitholakalayo, noma ukuhlela ukuthengiswa kwezimpahla ngezikhathi ezisebenzisa intela kangcono kungenza umehluko omkhulu engcebweni eqoqwe eminyakeni edlule.
Esinye isici esibalulekile yi- ukusetshenziswa kahle kwezinsiza ezitholakalayoEsikhundleni sokuba nokonga okuhlanganiswe nembuyiselo encane, izakhiwo ezingasetshenziswa kahle, noma ukutshalwa kwezimali okuhlukahlukene kabi, yonke iphothifoliyo yezimpahla iyabuyekezwa futhi izimpahla zabelwe kabusha ukuze zivumelane kangcono nephrofayili yengozi, isikhathi, kanye nesethi yemigomo.
Ukuphathwa kwengcebo nakho kuyasiza ukudalwa kwesu lokutshala imali elenziwe ngokwezifiso ngokugcweleLe ndlela ayisekelwe emikhiqizweni ejwayelekile, kodwa isekelwe kuphothifoliyo eyenzelwe umuntu ngamunye noma umndeni. Lokhu kufaka phakathi ukuchaza ukwabiwa phakathi kwemali engenayo engaguquki, amasheya, izindlu, imali, kanye nokutshalwa kwezimali okunye, kanye nezinhlobo zemikhiqizo ezifanele kakhulu (izimali, ama-ETF, umshwalense wokonga, izakhiwo ezizuzisa intela, njll.).
Ngaphezu kwalokho, ukuba nohlelo olucacile lwendlela kuvumela thola futhi usebenzise amathuba emakethe ngokuqonda okwengeziwe. Ngokuba nokuqonda okucacile kokuthi ingakanani imali engabekwa ezitshalweni ezintsha nokuthi yiliphi izinga lengozi elamukelekayo, kulula kakhulu ukuhamba ngokushesha lapho kuvela amathuba amahle ezimakethe noma emkhakheni wezindlu, ngaphandle kokufaka engcupheni ukuzinza okuphelele kwempahla yomuntu.
Empeleni, konke lokhu kuhunyushwa kube izinzuzo ezine ezinkulu zokugcina: Ukonga isikhathi nemali, ukunciphisa izingxabano zomthetho, ukuvimbela amaphutha abizayo, kanye nokwehlukahluka okuhlakaniphile yezimpahla ukunciphisa izingozi nokuthuthukisa amathuba okukhula.
Londoloza isikhathi nemali ngomphathi wengcebo
Thembela kuchwepheshe Ikuvumela ukuthi uthuthukise izinsiza futhi ugweme izinqumo ezibizayo. Ukuhlaziya imakethe, ukubukeza imiphumela yentela yokuthengiselana ngakunye, ukuqonda umbhalo omncane wemikhiqizo eminingi yezezimali, noma ukuhlola ezinye izindlela zezindlu kudinga ukuzinikela, ulwazi, kanye nolwazi.
Uma unikeza umphathi wengcebo onolwazi, Ukwakhiwa kohlelo lokuphatha kuyasheshiswa futhi amaphutha ambalwa enziwa ngenxa yokuntuleka kolwaziEsikhundleni sokuzama imikhiqizo engayifanelani nawe noma ukwenza izinqumo ngokuphamazela, ulandela isu elihlelekile, ngokusekelwa okuqhubekayo kanye nokubuyekezwa njalo kwephothifoliyo yakho kanye nohlelo lwengcebo.
Lokhu kusekelwa kusiza futhi Gwema izindleko ezingadingekile, izikweletu ezingahlelwanga kahle, noma izinqumo ezidala izindleko zentela eziphezulu. ngaphandle kokunikeza izinzuzo zangempela. Isibonelo, ukuxhaswa ngezimali kwezindlu, ukuhlelwa kwefa, noma ukuthengwa nokuthengiswa kwezimpahla kungathuthukiswa ukuze kwehliswe izindleko zizonke futhi kwenze umthelela engcebweni usebenze kahle kakhulu.
Ngokuhambisanayo, Ukonga isikhathi kukhulu kakhulu.Iklayenti akudingeki lichithe amahora amaningi lifunda yonke intuthuko yemakethe noma ushintsho lomthetho, ngoba umphathi wenza lowo msebenzi futhi ukhuluma kuphela ngezinqumo ezibalulekile, ezichazwe ngokucacile. Lokhu kuvumela ibhalansi phakathi kokuphathwa kwengcebo nokuphila kobungcweti nokomuntu siqu, ngaphandle kokudela ukulawula okwanele.
Ngamafuphi, ukuba nomphathi wengcebo omuhle kufana nokuba "nomqondisi wezezimali womuntu siqu noma womndeni" osebenza Inakekela izici zobuchwepheshe nezokusebenza zansuku zonke, kuyilapho wena ugxila kumaphrojekthi akho siqu noma ebhizinisini.ukwenza izinqumo ezibalulekile ngolwazi oluhlungiwe kahle noluhlelekile.
Ukuvimbela amaphutha kanye nezingxabano zomthetho
Ukuphathwa kabi kwempahla Lokhu kungaholela ekulahlekelweni okungagwenywa. Ukwehluleka ukusebenzisa kahle izinsiza ezitholakale kanzima kangaka kusho ukulahlekelwa amathuba okutshala imali, futhi kwezinye izimo, ukulahlekelwa okukhulu okwakungagwenywa ngaphandle kokuhlela okuncane.
Phakathi kwamaphutha avame kakhulu yi- ukunganaki umongo wezomnotho kanye nemakethe: izinqubomgomo zezimali ezivimbela kakhulu noma ezandayo, izinguquko zomthetho emazweni athile, ukushicilelwa kwemiphumela yebhizinisi, izinguquko ezinqubomgomo zezabelo zezinkampani, noma izinguquko zentela ezithinta ngqo imikhiqizo ethile yokutshalwa kwezimali.
Esinye isici sezinkinga ezivame ukwenzeka ukungabuyekezi iphothifoliyo njaloLokhu kusho ukuthi, ngokuhamba kwesikhathi, ezinye izimpahla ziba nzima kakhulu, ezinye ziphelelwa yisikhathi, inzuzo ayithathwa uma kungaba ukuhlakanipha ukwenza kanjalo, noma izinga lengozi alilungiswa njengoba umgomo obalulekile usondela (umhlalaphansi, ukuthengiswa kwenkampani, ukuthengwa kwendlu, njll.).
Emkhakheni wezomthetho, Ukuntuleka kolwazi lokulawula kungaholela ezingxabanweni zomthetho.Izinkinga ezifana namafa angahlelwanga kahle, ukuntuleka kwencwadi yefa, ukwabiwa okungacacile phakathi kwezindlalifa, ukungalandeli imithetho yentela, noma izakhiwo zezinkampani ezinganele kungagcina ngokuqulwa kwamacala amade, abizayo, futhi aqeda amandla kakhulu ezingeni lomuntu siqu nelomndeni.
Umphathi wengcebo, ovame ukusekelwa abameli, abeluleki bezentela, kanye nabanye ochwepheshe abangochwepheshe, Kuqinisekisa ukuthi isu lokuphathwa kwempahla lihambisana nemithetho yamanje ngaso sonke isikhathi.Lokhu kunciphisa ingozi yezijeziso zesikhathi esizayo, izicelo, noma amacala. Lokhu akugcini nje ngokonga imali kodwa futhi kunikeza ukuthula kwengqondo nokuzinza emndenini noma kubalingani bebhizinisi.
Ukuhlukahluka okuhlakaniphile kanye nokuphathwa kwengcebo okusebenzayo
Ukuhlukahluka Kungenye yezinsika zokuphathwa kwengcebo yesimanje. Ukusabalalisa ingcebo kuzo zonke izinhlobo zezimpahla, imikhakha, izindawo zezwe, kanye nezitayela zokutshalwa kwezimali kubalulekile ekunciphiseni ubungozi kanye nokuthuthukisa ibhalansi yembuyiselo/yokuphepha.
Ukuphatha kahle izimpahla kuhilela Ukwazi ukuhlanganisa ukutshalwa kwezimali ezikhwameni (amasheya, amabhondi, izimali, njll.) nokutshalwa kwezimali ezindlini (izindlu, amahhovisi, izindawo zokugcina impahla, umhlaba)Ngaphezu kokucabangela ezinye izindlela lapho kunengqondo, njengokutshalwa kwezimali ezinkampanini ezingafakwanga ohlwini, amaphrojekthi ebhizinisi lakho, noma izimpahla ezikhethekile kakhulu.
Esimweni esithile sempahla yezindlu, kubalulekile hlola izinga lokuhlukahluka Uma ucabangela izindlu nezinye izimpahla, kubalulekile ukuhlaziya izakhiwo kanye nezakhiwo zazo zezimali, inani kanye nebhalansi phakathi kwezindlu nezinye izimpahla, isimo sezimpahla, kanye nezinga lazo lokuhlukahluka. Ukuba nezakhiwo eziningana ezigxile endaweni efanayo futhi zohlobo olufanayo lokusetshenziswa akufani nokuba nephothifoliyo yezindlu ehluka ngendawo, ingxenye, kanye nohlobo lomqashi.
Ngemva kwalokho kutholakala kwesifo, okulandelayo kuchazwa izinhloso ezicacile zendawo yefaUkuyilondoloza, ukuyikhulisa, ukukhiqiza imali engenayo njalo, ukulungiselela ukuthengiswa kwesikhathi esizayo, njll. Njengoba kucatshangwa ngalezi zinhloso, kuklanywa uhlelo oluthile lokuphatha, olunezinyathelo ezinemininingwane, izinsuku zokugcina, kanye nezinqubo zokubuyekeza, ukuze impahla ivumelane nezimo zemakethe kanye nezidingo zomnikazi wayo.
Ukuphathwa okusebenzayo nokululekwe kahle nakho kuvumela ukufinyelela kumathuluzi ezezimali namathuba athile Ngezikhathi ezithile, njengezinkinga zemali engenayo ezinzile enembuyiselo ekhangayo, izimpahla ezingabalulekile kakhulu ezinamathuba aphezulu, noma imikhiqizo eqinisekisiwe ehambisana nephrofayili yomtshali-zimali. Isihluthulelo ukuyibona kusenesikhathi bese uyifeza ngokushesha, into elula kakhulu uma unochwepheshe ozinikele kulo msebenzi.
Ukuhlolwa kwezikhundla zezimali kanye nokuhlaziywa kwabatshalizimali
Ukuhlolwa okugcwele ngezikhundla ezikhona ngaphambi kokuphakamisa izinguquko kuphothifoliyo noma isakhiwo sempahla. Emhlanganweni wokuqala, umphathi udinga ukwazi ukuthi izimpahla zitshalwa kanjani: iyiphi ingxenye emikhiqizweni yezezimali, iyiphi ingxenye yezindlu, yiziphi izikweletu ezikhona, yiziphi iziqinisekiso ezikhona, kanye nokuthi yiziphi izakhiwo zomthetho ukutshalwa kwezimali okwenziwe ngaphansi kwazo.
Lokhu kuhlaziya kuhlukanisa phakathi izakhiwo ezahlukene kanye nezimoto ezisetshenziswayo (abantu ngabanye, izinkampani, izimali, umshwalense wokonga, njll.)njengoba ngayinye inemiphumela ehlukile yentela kanye neyomthetho. Isikhathi sokutshalwa kwezimali ngakunye siyabuyekezwa, futhi kuyaqinisekiswa ukuthi umnikazi uyazi ngempela yini ingozi ayicabangayo kanye nezinga lokuguquguquka kwempahla ngayinye.
Ngaphezu kwesithombe samanje sesikhwama semali, kwenziwa ucwaningo isimo samanje sezomnotho omkhulu kanye nesimo sezomnotho esincanekanye nezinhlelo zesikhathi esizayo zomtshali-zimali: ukushintsha indawo yokuhlala, ukuthengiswa okungenzeka kwenkampani, ukuxhaswa ngezimali kwezifundo zezingane, umhlalaphansi, ukuthengwa kwendlu entsha, ukwandiswa kwebhizinisi, njll. Konke lokhu kuthonya indlela iphothifoliyo okufanele iguquke ngayo eminyakeni ezayo.
Ngesikhathi esifanayo, umsebenzi wenziwa ku- ukuhlaziywa komuntu siqu kanye nokulinganisela kweklayentiUlwazi luqoqwa mayelana nephrofayili yakho yengozi, Imali engenayo kanye nezindleko ezilindelekileIzimpahla zabo zezimali nezingezona ezezimali, amandla abo okonga, kanye nenani abazimisele ukulitshala konke kuyacatshangelwa. Ulwazi lwentela olufanele oluvela ezweni abahlala kulo nalo luyacatshangelwa, njengoba lunquma indlela engcono kakhulu yokutshala imali nokuhlela ingcebo yabo.
Ngalo lonke lolu lwazi, umphathi usesikhundleni sokuphakamisa ukuxilongwa okucacile ngesimo samanje kanye nokushiyeka noma izingozi ezingaba khona, kanye namathuba okwenza ngcono angasetshenziswa esikhathini esifushane, esiphakathi nesikhathi eside.
Ukuchaza izinhloso nokuklama uhlelo lwezezimali
Uma sekutholakale ukuxilongwa kokuqala, kufika isikhathi esibalulekile: chaza imigomo yempahla Ngamagama aqondile. Akwanele ukuthi "Ngifuna ukuthola imali eningi" noma "Ngingathanda ukukhokha intela encane"; kufanele ubeke imigomo yakho ezibalweni, ezinsukwini zokugcina, kanye nezinto eziza kuqala: ukuthi ufuna ukuqongelela imali engakanani, ngayiphi injongo, ngezinga elingakanani lengozi eyamukelekayo, kanye nesikhathi esingakanani.
Umphathi wengcebo uyacabangela isimo semakethe, izitayela zomnotho nezenhlalo, umongo wezezimali, kanye neqiniso lomndeni noma lebhizinisiNgokusekelwe kukho konke lokhu, kusiza iklayenti ukuthi libeke imigomo enzima kodwa engokoqobo, eqondile futhi elinganiswayo, njengokukhiqiza imali engenayo yonyaka kusukela emhlalaphansi, ukulungiselela ukudluliselwa kwebhizinisi eminyakeni engu-X noma ukufeza izinga elithile lokwehlukahlukana phakathi kwezimpahla zezimali nezezindlu.
Njengoba imigomo ichazwe ngokucacile, uhlelo lwezezimali olunemininingwane okuchaza izenzo ezidingekayo ukuze zifezwe. Lolu hlelo lungafaka phakathi ukuthengiswa kwezimpahla ezithile, ukuthengwa kwezinye, ukusetshenziswa kwezakhiwo zentela ezizuzisayo, ukuqanjwa kwemikhiqizo ethile yokutshalwa kwezimali, noma ukuhlelwa kabusha kwezikweletu neziqinisekiso.
Kubalulekile ukuthi iklayenti liqonde futhi liqinisekise zonke izinyathelo eziphakanyisiwe, ngoba Kuphela uma kukhona ukuvumelana phakathi komphathi nomnikazi wempahla lapho isu lingasetshenziswa khona ngokuhambisanayo.Uhlelo alumile: lubuyekezwa njalo ukuze kuhlolwe ukuthi izigigaba ezihleliwe ziyafezwa yini, futhi uma kudingeka, kulungiswe indlela lapho izimo zemakethe noma izimo zomuntu siqu zishintsha.
Okokugcina, ukuphathwa kwengcebo kuhlanganisa ingxenye ye ukuqapha okuqhubekayoImiphumela iyahlolwa, ukungalingani kuyalungiswa, futhi isu liyabuyekezwa ukuze livumelane nezinguquko ebhizinisini, emndenini, noma ezomnotho. Ngale ndlela, uhlelo luhlala lushintshashintsha futhi luhambisana nezinhloso zeklayenti kuzo zonke izigaba zokuphila kwabo.
Indima yomeluleki kanye nensizakalo ephelele yokuphathwa kwengcebo
Isihluthulelo Kubantu ngabanye, ochwepheshe, abanikazi bamabhizinisi, kanye namaqembu emindeni anezinqubomgomo eziyinkimbinkimbi. Indima yabo ayigcini ekuncomeni imikhiqizo yokutshalwa kwezimali, kodwa ihlanganisa umbono ophelele wengcebo, ukuhlanganisa ezezimali, intela, ezomthetho, futhi, ezimweni eziningi, izici zomndeni noma zebhizinisi.
Lo chwepheshe ukhetha izinketho ezinhle kakhulu zempahla kanye nezezimali zeklayenti ngalinyeLokhu kusekelwe njalo kuphrofayela yakho yengozi, izintandokazi zempahla, izidingo zokukhokha intela, kanye nezimo zemakethe ezifanele kakhulu zokungena noma ukuphuma ekutshalweni kwezimali ezithile. Izincomo eziningi zizohlobana nezinqumo zokutshalwa kwezimali, kodwa njalo zingaphakathi kohlaka olubanzi lwesu.
Kumaphothifoliyo empahla ayinkimbinkimbi, njengalawo amaqembu athile emindeni noma "amahhovisi omndeni", kuvamile ukuba Izinsizakalo ze-360º ezibandakanya amaqembu ahlukene akhethekileAbeluleki bezezimali, ochwepheshe bezimali, ochwepheshe bezentela, abameli, abeluleki bokuphathwa komndeni, njll. Umgomo ukunikeza isevisi ephelele ebhekana nezidingo zokuphathwa kwengcebo, imindeni, kanye namabhizinisi.
Ngokusebenza nezakhiwo zokutshalwa kwezimali ezivulekile, umeluleki angakwazi finyelela imikhiqizo ehlukahlukene evela kubaphathi bezimpahla abaphambili kanye nezinhlanganoLokhu kubavumela ukuthi bakhe amaphothifoliyo ahlelwe ngokwephrofayela nezidingo zeklayenti, futhi angagcini nje kukhathalogi yebhizinisi elilodwa.
Ezimweni eziningi, usizo oluseduze nolusebenzayo luyatholakala futhi: Umeluleki uxhumana neklayenti lapho kwenzeka izenzakalo ezifanele emakethe noma emithethweni.Lokhu kusebenza lapho kuvela amathuba afana nephrofayili yabo noma lapho bebona isidingo sokulinganisa kabusha iphothifoliyo yabo. Ngale ndlela, umtshali-zimali uhlala enomuntu angabonisana naye, ngokuthula kwengqondo kokuba nochwepheshe oqapha njalo izimpahla zabo.
Ukuphathwa kwengcebo yobungcweti, uma kuhlelwe kahle, kugcina kuyisifundo esibalulekile Ivikela, ithuthukise, futhi inikeze ukuhambisana kweqoqo lezimpahla namalungelo omuntu, umndeni, noma inkampaniukusiza ekugcineni nokukhulisa inani layo ngokuhamba kwesikhathi, ukunciphisa izingozi ezingadingekile kanye nokwenza kube lula ukudluliselwa okuhlelekile ezizukulwaneni ezilandelayo.
Uma wonke lo msebenzi wokuhlaziya, ukuhlela amasu, ukuhlukahluka, ukuphathwa kwezingozi, kanye nokusekelwa kochwepheshe kuhlanganiswa ngendlela eyodwa, Ifa liyayeka ukuba yiqoqo lezimpahla ezihlakazekile futhi liba yiphrojekthi eqinile, eqhubekayo ehambisana nokuphila kanye nezinhloso zebhizinisi zomnikazi walo.okukuvumela ukuthi usebenzise amathuba emakethe kangcono futhi ugweme izinkinga eziningi zesikhathi esizayo.
