Ungalijonga njani ixesha lokuBuyisa kuTyalo-mali

NguMichael Taillard

Inkqubo ye- Ixesha lokuhlawula linani lamaxesha eliza kuthatha ukuhlawula utyalo-mali lokuqala kwisiqwenga senkunzi. Ngamanye amagama, linani leminyaka eliyakuthatha ukuba iqumrhu liyeke ukutyala imali entsha.



Ixesha lokuhlawula libalo olubalulekileyo ekubaleni kungekuphela kokuqikelela ukuhamba kwemali, ukuhlawulwa kwenzala, kunye nezinye iindlela zolawulo lwexabiso zotyalo-mali, kodwa kunye nokuqikelela ifuthe leprojekthi kulawulo lweeasethi zonke zenzuzo kunye nenzuzo. Ibalwa ngoluhlobo:



Ixesha lokuhlawula = Utyalo-mali lokuqala / ukuhamba kwemali ngonyaka

Qala ngotyalo-mali lwakho lokuqala; emva koko yahlulahlula ngokuhamba kwemali okuphakathi kwakho. Umzekelo, yithi uchitha i $ 10,000 kwisiqwenga senkunzi. Esi siqwenga senkunzi siza kuvelisa, ngokomndilili, i $ 1,000 eyongezelelweyo kwi-EBIT kwiqumrhu lakho kwaye sinokuphila iminyaka engama-20.



Ukubala ukubala ixesha lakho lokuhlawula kwesi siqwenga sezixhobo kujongeka njengoku: 10,000 / 1,000 = iminyaka eli-10. Kuya kukuthatha iminyaka elishumi ukuhlawula utyalo-mali kwikapitali. Oku kuhamba kwemali okuveliswe kule minyaka ilishumi iseleyo yobomi botyalo-mali kuyinzuzo engagungqiyo. Yenziwe kakuhle!

Olu kubalo luthatha, ewe, ukuba utyalomali lokuqala lwenziwa ngaxeshanye. Akunyanzelekanga ukuba, nangona kunjalo. Ngotyalo-mali olukhulu kakhulu, ungathatha ixabiso lexa elizayo kuzo zonke iintlawulo zokuhlawula amatyala kwaye ulisebenzise njengotyalo mali lwakho lokuqala.

Ngamanye amagama, ukuba unotyalo-mali olukhulu kakhulu kufuneka ulubuyise kwaye uhlawule utyalo-mali kwisithuba seminyaka emininzi, yongeza nje konke ukuhamba kwemali okungalunganga. Le nkqubo yokusasaza iintlawulo zeendleko ibizwa ngokuba ukuhlawula amatyala.



Ukubala ixesha lokuhlawula kutyalo-mali oluchongiweyo kusebenza kuphela ngamazinga enzala amiselweyo, nangona kunjalo, apho imali oyibuyisileyo ingazokutshintsha ngokuhamba kwexesha. Ngemali mboleko eguquguqukayo, ukubala kuya kusiba nzima ngakumbi kwimathematics kwaye kungaphaya kwale ncwadi.