Iimpahla kunye neemali
Amatyala asebenza njani?
Xa uthengisa nantoni na kwi shishini lakho, uhlawula ngemali evela kwi-akhawunti yakho yokukhangela okanye uboleka, kwaye yonke into ebolekayo idala uxanduva.
Ukuthenga kwikharityhulam yekhredithi kukuboleka ngaphandle kokuba uhlawula ikhadi lekhredithi ngaphambi kokuphela kwenyanga. Ewe, ukufumana mboleko yezoshishino okanye ukubolekwa kwepropati kwipropati oyenawe kubalwa njengomthwalo.
Ibhizinisi lakho linokuthi linamatyala kwimisebenzi efana nokuhlawula abasebenzi kunye nokuqokelela irhafu yokuthengisa kubathengi. Ezi matyala zibizwa ngokuba yi-trust fund yerhafu ngenxa yokuba ubambelele kwi-trust kwaye ibhizinisi lakho kufuneka libalwe njengamatyala aze ahlawulwe.
Ziziphi iintlobo ezahlukeneyo zeMatyala?
Amatyala aboniswe kwiphepha lakho lokulinganisela ibhankinari , isitatimenti semali esibonisa imeko yoshishino ekupheleni kwexesha lokuphendula. Iimpahla zezoshishino (izinto ezinazo) ziboniswa ngakwesobunxele, kwaye amatyala kunye nokulingana komnini kuboniswa ngakwesokudla. Amatyala adweliswe kwimiyalelo ethile:
Iimali zexesha elide. Iimbopheleleko zexesha elide zizo zibophelelo zoshishino ezilindeleke ukuba ziqhubeke iminyaka engaphezu konyaka.
Ezi zibandakanya iimboleko ezihlawulwayo kunye nemali ehlawulwayo.
Iimali ezifutshane zexesha elifutshane. Iimfanelo ezifutshane zexesha elifutshane zizo zibophelelo zoshishino ezilindeleke ukuba zihlawulwe ngaphandle konyaka. Ezi ziquka
- Intlawulo yentlawulo ehlawulwayo
Ezi zixa ziqokelelwa kubaxumi ngexesha lokuthengiswa kwaye zigcinwe kude kube zihlawulwe kwiSebe elifanelekileyo lezezimali.
- Iintlawulo zerhafu ezihlawulwayo
Ezi zixa ziqokelelwa kubasebenzi (ukubambelela kwiirhafu zerhafu kunye neerhafu zengqesho ) kwaye zibekelwa bucala ngumqeshi, kufuneka zihlawulwe ngexesha elifanelekileyo kwi-IRS okanye i-arhente yentlawulo yombuso. - Imali kunye nemivuzo ehlawulwayo
Ezi ntlawulo zenyanga zenyanga zemali mboleko kunye nemali yokubolekwa kwemali.
Yintoni eyahlukileyo phakathi kwamatyala kunye neendleko?
Iimbopheleleko ngokuqhelekileyo imali ehlawulwa yoshishini ngokuthengwa kwempahla. Umzekelo, ungathenga imoto yenkampani ekusebenziseni ishishini, kwaye xa uhlawula imoto, uya kugqitywa ngemboleko-oko kukuthi, uxanduva.
Intlawulo yintlawulo eqhubekayo yento engenaxabiso elibonakalayo, okanye iinkonzo. Iindleko zisetyenziselwa ukuvelisa ingeniso. Ifowuni eofisini yakho, umzekelo, isetyenziselwa ukuqhubeka uxhulumana nabathengi. Ezinye iindleko zingaba ziqhelekileyo okanye zolawulo, ngelixa ezinye zinokudityaniswa ngqo ngokuthengisa.
Uninzi lweentlawulo zezoshishino zenza iindleko. Umzekelo, unokuhlawula indawo yokuqeshisa kwisikhundla seofisi, okanye iinkonzo, okanye iifowuni. Ukuba uyeka ukuhlawula iindleko, inkonzo iyahamba okanye indawo kufuneka ikhutshwe.
Iindleko kunye namatyala avela kwiindawo ezahlukeneyo kwiinkcazo zemali zenkampani. Ngenxa yokuba zidibene nefa, amatyala avela kwiphepha lokulinganisela kwenkampani.
Kodwa iindleko, ezinxulumene neengeniso, zivela kwinkcazo yengeniso yenkampani (inzuzo kunye nelahleko kwinkcazo) .
Ziziphi iimfanelo ezixhamle neNzuzo?
Ingcamango yokubaluleka kweshishini ibhekisela kwindlela ibhizinisi elithenga ngayo ii-asethi ezintsha. Ukuba iimpahla zithengwa ngemali-mboleko-oko kukuthi, ngokunyuka kwamatyala-ishishini litshitshisiwe. Eminye imbopheleleko ilungele ishishini; kakhulu kunokulimaza indawo yezemali yezoshishino.
Ndingazihlalutya njani Iimfanelo Zoshishino Lwam?
Amashishini angakwazi ukulinganisa inani lematyala (amatyala) ngamanye amanyathelo amabini, ukuchonga ukuba ishishini linomthwalo omkhulu / ityala.
Amatyala kwiRhafu yoLuntu. Ukulinganiswa kwetyala-kuya-equity ratio kumanyathelo amatyala emfutshane kunye nexesha elide ngokubhekiselele kwi-akhawunti yomlingani. I-TheBalance ithi umlinganiselo weetyala ezingaphezu kwama-40-50% ekulinganisweni kuthetha ukuba umnini-shishini kufuneka abukele ekunciphiseni ityala.
Amatyala kwiRhafu yoHlelo. Umlinganiselo- mboleko we-asethi ulinganisa ipesenteji yeetyala (zombini ixesha elide kunye nexeshana elifutshane) kwiimpahla zeshishini elipheleleyo. Kufuneka ube nepahla efanelekileyo yokuthengisa ukuze uhlawule ityala lakho, ukuba kuyimfuneko.