Inkulumo Yesazi: Ukufukulwa Kwezimali Nokuvikeleka Kwabesifazane

Expert Talk Financial Empowerment

Ezezimali

Kule minyaka eyishumi edlule, sibone ushintsho olwakhayo kubantu besifazane abazethembayo futhi abazethembayo ekukhetheni kwabo imfundo, umsebenzi, kanye nempilo yangasese. Ngaleli gagasi elisha lobufazi nokufukulwa kwezezimali, abesifazane abaningi sebeqalile ukwenza izinqumo zokuzimela zokutshala izimali, ngokwesiko ezazishiywa kumuntu owondla umndeni.

EzezimaliIsithombe: Ukuvala

Abesifazane okwamanje balinganiselwa ukulawula cishe ingxenye yesithathu yengcebo yangasese ephelele yomhlaba, ngamandla abo ezezimali akhula kuwo wonke amazinga. Umbiko we-2017 Ernst & Young, Abesifazane Nomcebo - Icala Lendlela Ekhethiwe uthi, 'I-CFA Institute ilindele ukuthi imali engenayo yabesifazane emhlabeni wonke inyuke isuke ku-USD 13 trillion iye ku-USD 18 trillion eminyakeni emihlanu ezayo.' Ngokwenyuka kwemali engenayo nokwenza izinqumo ezizimele, abatshali zimali besifazane manje bayithuba elikhulu elilandelayo lomkhakha wokuphathwa kwengcebo.

Imibono eyiphutha Mayelana Nabesifazane Abatshalizimali

amathiphu wobuhle basekhaya wobuso

Ngokocwaningo olwenziwe yiBoston MFO, ama-62% ochwepheshe bezokuphathwa kwengcebo bakholelwa ukuthi le mboni ayizibhekeleli kahle izidingo nezidingo ezithile zamakhasimende esifazane. Oweshumi nje ubona abesifazane besebenza kahle njengamanje. Okunye okungaqondakali kahle ukuthi abesifazane bathambekele ekungazinikeli ubungozi uma empeleni abesifazane bejwayele ukuba nezinhloso eziningi kunokutshalwa kwezimali okusebenza kuphela. Futhi, abesifazane babeka phambili izinhloso zabo ngokuhlukile kunabesilisa futhi yingakho badinga indlela esuselwe ekugxileni, ukubhekelela isimo esithile senhlalo nesomzwelo sohambo lwabo lwempilo ikakhulukazi lapho leyo ngqikithi yomphakathi ehlangene inokufinyelela okuningana kwezinsizakalo zezezimali ze abesifazane.

Ezezimali

Isithombe: Ukuvala

Izitayela Eziqhamukayo Zithembisa Abatshalizimali Abesifazane

ungasusa kanjani izinwele zobuso unomphela ngaphandle kwelaser

Imikhuba emikhulu ikhombisa ukuthi abesifazane abasebasha, abangaphansi kweminyaka engama-25, bakhombisa ubungozi obukhulu ngokutshala imali ezimakethe zamasheya, ngaphandle kwezindawo zokuphepha zendabuko ezifana negolide nezimali zamabhange. Imikhiqizo yezezimali efana nomshuwalense kanye nokuhlelela umhlalaphansi nayo ibona ukutholwa okuphezulu njengoba abesifazane bebeka phambili kakhulu ukwesekwa, ukuphepha kwezezimali kwabo kanye nomndeni futhi okujabulisayo ukuthi nabo banesifiso sokuthatha umhlalaphansi ngaphambi kwesikhathi.

Ukutshala imali ku-Real Estate Real Estate

Izakhiwo zihlala zisezingeni eliphezulu njengoba zihlinzeka ngokuphepha okubonakalayo kanye nethuba elide futhi elizinzile lokuthola imali. Ukuheha kwayo kulele esimweni esingenabuciko besigaba sempahla. Noma kunjalo, ngenxa yosayizi omkhulu wokutshala imali, imvamisa ngabesifazane abakubakaki abahola kakhulu abangamaphesenti aphezulu wabathengi bayo phakathi kwabo bonke. Ngokuvamile, ama-HNI nezikhungo bakhetha ukutshala imali kwizakhiwo ezithengiswayo ezibandakanya izindawo zokugcina izimpahla, amahhovisi, izindlu zokubonisa ezidayiswayo njll emakhaya abantu ngenxa yembuyiselo ephezulu enikezwayo. Ngokukhula kobunikazi obuncane, lezo zakhiwo eziyinhloko manje sezitholakala kubatshalizimali abathengisa.

Ezezimali

Isithombe: Ukuvala

Ubunikazi be-Fractional bukhuphuka

amakhambi ezinwele ezinde nezinemizimba

Ubunikazi be-Fractional buyindlela yobunikazi lapho abatshalizimali abaningana bebeka izizumbulu zemali ukuzitholela ingxenye ethile yempahla yenani eliphakeme. Inhloso ebumbene ukuthola inzuzo ephezulu ngokuhamba kwesikhathi. Kuyindlela engenazihibe yokutshala imali encane ekutshalweni kwempahla yamathikithi amakhulu, lapho isethi yezobuchwepheshe isusa izinselelo ezinkulu zokufuna, ukuthenga, ukuphatha nokuphuma, nokuqinisekisa ukuthi impahla oyitshalile ikhiqiza inzuzo ephezulu. Ubunikazi be-Fractional sebuchaza kabusha ukuthi abatshalizimali bakhetha kanjani ukutshala imali kwizakhiwo zomhlaba wonke futhi ngokuzayo kuzosebenza futhi kube yindlela yokutshala imali yabesifazane abasendleleni eya enkululekweni yezezimali.

Abesifazane Kwezimali
Abesifazane baba namandla okuzimela futhi bazimele ngezinqumo zabo zezezimali futhi bazimisele ukukhuphula umdlalo wabo ngenkathi bebeka imali kuzingxenyekazi ezahlukahlukene. Yize kusenebanga elide okusamele lihambe maqondana nengqalasizinda, izinqubomgomo kanye nokuphathwa kwezimali ngokuzimela, kunesidingo sabaphathi abaningi besifazane embonini yokuphathwa kwengcebo.

yeka izinwele zokuphinda zibe nempandla ngokwemvelo
Ezezimali

Isithombe: Ukuvala

Abesifazane baqhubeka ngokuthatha izindima eziphezulu zobuholi emhlabeni jikelele embonini yezinsizakalo zezezimali-i-12% ezikhundleni ze-CFO, i-18% ezikhundleni eziphezulu kanye ne-13% ezikhundleni ze-CEO ekuphathweni kwezokutshalwa kwemali okuqondile. Ngenkathi emhlabeni jikelele, abesifazane bathola izikhundla ezingama-20% emabhange azimele, eNdiya ama-8% abesifazane abasezikhundleni zokuphathwa kwempahla. Ngenkathi kuseNdiya, ama-69% abesifazane angena ngaphansi kwesigaba esisebenzayo, lesi sibalo sifushane ngokudabukisayo emkhakheni wezezimali futhi ikakhulukazi embonini yokuphathwa kwengcebo. Njengoba kudluliswe imali engamaRandi ayizigidi eziyizinkulungwane ezingama-30 ezenzakalweni zeminyaka eyehlukene eminyakeni engama-25 ezayo, futhi ingxenye enkulu yalokhu ezothathwa ngabesifazane, amafemu okuphatha ingcebo alungiselela ukwakha izinsizakalo namasu awo kule ngxenye ebalulekile.

Funda futhi: Kungani Abesifazane Bedinga Ukuba I-CFO Yabo