Ukunwetshwa kwesikweletu

I- roll-over kungukwelulwa kwemali mboleko ngesikhathi sokuvuthwa esikhundleni sokukhokhwa kwayo. ibhalansi esele idlulela phambili esikhathini esisha ngemibandela emisha, ngokuvamile ngenkokhelo eyengeziwe nenzalo eyengeziwe, kunokuba ikhokhwe. Kuphinde kubhalwe ngokuthi rollover, futhi ngezinye izikhathi kubizwa ngokuthi ukuvuselelwa, ukwelulwa noma ukuqhubeka.

Indlela yokusebenza ilula. Imiphumela ayilula, ngoba imali mboleko egoqiwe ibukeka isesimweni esihle ezincwadini kuyilapho isibopho esiyisisekelo singehlanga nhlobo.

Izincazelo ezimbalwa

Leli gama linezincazelo okungenani ezine ezihlukene, futhi ukuzidida kubangela amaphutha angempela:

• I-roll-over yemali mboleko — ukwelula imali mboleko evuthwayo kunokuba ikhokhwe. Le yincazelo esetshenziswe kuleli khasi lonke.
• I-roll-over yesikhathi senzalo — emalini mboleko enesilinganiso esishintshashintshayo, ukushintshela okuzenzakalelayo kusuka esikhathini esisodwa senzalo kuya kwesilandelayo, lapho isilinganiso sisethwa kabusha ngokwesilinganiso esiyireferensi samanje. Lokhu kuyinto evamile, esesivumelwaneni futhi akunayo imiphumela yesikweletu yencazelo yokuqala.
• Inzalo egoqiwe — inzalo eqongelelwe futhi yengezwe kubhalansi kunokuba ikhokhwe ngezikhathi ezithile, okuvamile kwezezimali zebhuloho.
• I-rollover ye-akhawunti yomhlalaphansi — ukudlulisa izimali phakathi kwama-akhawunti epenshini noma omhlalaphansi ngaphandle kokudala intela. Umkhakha ohluke ngokuphelele, futhi ongahlobene nokubolekisa.

I-roll-over uma iqhathaniswa namagama ahlobene

• I-roll-over - Okushintshayo: Idethi yokuvuthwa iyelulwa; ibhalansi idlulela phambili ingashintshile kakhulu.

  • Isizathu esivamile: Umboleki akakwazi ukukhokha ngesikhathi sokuvuthwa, noma akafuni ukukhokha.

• Ukurefinansa - Okushintshayo: Imali mboleko entsha ithatha indawo yaleyo endala, ngokuvamile ngombolekisi ohlukile noma imibandela ehluke kakhulu.

  • Isizathu esivamile: Intengo engcono, isikhathi eside, ukuhlanganisa.

• Ukuhlelwa kabusha - Okushintshayo: Imibandela iguqulwa ngenxa yobunzima bezezimali — isilinganiso, isikhathi, isitolimende, noma inani eliyinhloko.

  • Imbangela evamile: Ukucindezeleka komboleki, okuqashelwa ngokusemthethweni.

• Isandiso - Okushintshayo: Isikhathi sokuvuthwa sihlehlisiwe, eminye imigomo ayishintshile.

  • Imbangela evamile: Ukubambezeleka okufushane emthonjeni wokubuyisela ochaziwe.

• Ukwengeza - Okushintshayo: Inhlokodwa eyengeziwe ikhishwa ngaphezu kwebhalansi ekhona.

  • Imbangela evamile: Umboleki ucela imali eyengeziwe.

• Ukuhlela kabusha - Okushintshayo: Isheduli yokubuyisela iyadwetshwa kabusha.

  • Imbangela evamile: Ukungahambisani kwesikhathi sokugeleza kwemali.

Umngcele obaluleke kakhulu ekusebenzeni uphakathi kokwelulwa kwesikweletu nokuhlelwa kabusha. Kokubili kwelula imali mboleko umboleki angakwazi ukuyibuyisela njengamanje. Ukuhlelwa kabusha kuyakuqaphela ukucindezeleka futhi, ngaphansi kwezinhlaka eziningi zokubala nokuqapha, kudala imiphumela yokuhlukaniswa nokubekelwa imali. Ukwelulwa kwesikweletu okwenziwa njengokuvuselelwa okuvamile akwenzi lokho. Isilingo sokuthatha okwesibili njengokokuqala yilapho inkinga enkulu kule ndawo isuka khona.

Ukwelulwa kwesikweletu kusebenza kanjani

Ngesikhathi sokuvuthwa, umboleki akakwazi noma akafuni ukubuyisela. Esikhundleni sokumemezela ukuhluleka ukukhokha, umbolekisi uyavuma ukwelula. Ngokuvamile:

1. Umboleki ucela isandiso ngaphambi noma ngesikhathi sokuvuthwa.
2. Umbolekisi uyahlola — noma, emkhubeni obuthakathaka, akahloli — ukuthi izimo zishintshile yini.
3. Kukhokhiswa inkokhelo, futhi inzalo esele iyakhokhwa, ifakwe ebhalansini, noma idonswe emalini entsha ekhishwayo.
4. Kubekwa usuku olusha lokuvuthwa, futhi ngokuvamile irekhodi elisha lemalimboleko liyavulwa.
5. Ikhawunta yezinsuku ezedlule ibuyela ku-zero.

Leso sinyathelo sokugcina yisona esinesisindo esikhulu kakhulu futhi esinakwa kancane kakhulu.

Izinhlobo zokuvuselelwa kwesikweletu

Ukuvuselelwa okuphelele. Isamba sonke senani eliyinhloko siyadlulela phambili. Kuphela izinkokhelo kanye nenzalo enqwabelene ziyakhokhwa, uma kukhona okukhokhwayo nhlobo.

Ukuvuselelwa okuyingxenye. Umboleki ukhokha ingxenye yenani eliyinhloko bese edlulisela phambili okusele. Kungcono kakhulu ngokwezinto ezibonakalayo, ngoba ubungozi behla ngempela.

Ukuvuselelwa kwenzalo kuphela. Inzalo enqwabelene iyakhokhwa bese inani eliyinhloko lonke liyelulwa. Kuvamile ekubolekeni kwesikhashana futhi kuyisakhiwo esihlotshaniswa kakhulu nokuba nesikweletu isikhathi eside.

Ukuvuselelwa okwengeza inzalo enqwabelene. Inzalo engakhokhiwe kanye nezinkokhelo ziyengezwa enanini eliyinhloko, ngakho ibhalansi ekuqaleni kwesikhathi esisha iba nkulu kunesikweletu sokuqala.

Ukuvuselelwa okuzenzakalelayo noma okungapheli. Isikweletu siyazivuselela ngaphandle uma olunye uhlangothi lunikeza isaziso. Kuvumelekile kwezinye izinhlelo zezimali zebhizinisi nezohwebo, lapho umjikelezo oyisisekelo uphindeka ngempela.

Izindleko zokuvuselela isikweletu

Ukuvuselelwa ngakunye ngokuvamile kuholela enkokhelweni entsha yokuhlela noma yokwelula, kanye nenzalo esikhathini esisha. Lapho inani eliyinhloko lingehli, umboleki ukhokha kaninginingi ngemali efanayo.

Kufanele kushiwo ngokucacile ukuthi izibalo zibukeka kanjani. Isikweletu sesikhashana esinenkokhelo yamaphesenti ambalwa enani eliyinhloko ngenyanga sibukeka sincane uma siwukuthengiselana okukodwa. Uma kuvuselelwe izikhathi eziyisithupha, izinkokhelo kuphela zingasondela noma zeqe inani ebelibolekiwe ekuqaleni, kuyilapho inani eliyinhloko lisamile lapho laliqale khona. Lapho inzalo ihlanganiswa enanini eliyinhloko esikhundleni sokukhokhwa, ibhalansi ikhula umjikelezo ngamunye bese inzalo yesikhathi esilandelayo ibalwa ngenani elikhulu.

Yingakho isamba sezindleko zekhredithi kuso sonke isikhathi sokuba nesikweletu — hhayi izinga elikhangiswayo lanoma yimuphi umjikelezo owodwa — siwukuphela kwesilinganiso esinengqondo sesikweletu esingase sivuselelwe.

Ukuvuselelwa ekubolekiseni abathengi isikhashana

Ukuvuselelwa okuphindaphindiwe kuyingozi eyinhloko ekubolekweni kwabathengi kosuku lokuhola kanye nokwesikhashana kakhulu. Le ndlela ibhalwe kahle: umboleki uthatha isikweletu esilingana neholo lakhe elilandelayo, uthola ukuthi ukubuyisela kushiya imali encane kakhulu yokuphila, uyasivuselela isikweletu, bese ephinda. Umjikelezo ngamunye udlulisa inkokhelo ngaphandle kokwehlisa isikweletu.

Abalawuli ezimakethe eziningi baphendule ngemithetho ethile, evame ukufaka:

• Imikhawulo yenani lokuvuselelwa elivunyelwe esikweletwini esisodwa, ngokuvamile okubili noma okuthathu
• Umkhawulo wezindleko eziphelele okhawula zonke izinkokhelo zibe yisiphindaphinda senani elibolekiwe
• Izikhathi zokuphola phakathi kwezikweletu ukuvimbela ukuboleka kabusha ngokushesha
• Ukuhlolwa kabusha kwekhono lokukhokha okuyimpoqo ngaphambi kwanoma yikuphi ukwelulwa
• Izidingo zokudalula ezibonisa izindleko eziqongelelayo zokwelulwa okuphindaphindiwe

Isinqumo senqubomgomo esiyisisekelo siwukuthi ukwehluleka komboleki ukukhokha ngesikhathi sokuqala sokuvuthwa kuwubufakazi bokuthi isikweletu besingakwazi ukukhokhwa, nokuthi ukuselula kwandisa inkinga kunokuba kuyixazulule.

Ukuvuselelwa okungapheli nokuhlanekezelwa kwephothifoliyo

Kubabolekisi, ingozi enomphumela omkhulu yilokho okwenziwa ukuvuselelwa okuphindaphindiwe ekubikweni kwephothifoliyo.

Evergreening kuwumkhuba wokuvuselela noma wokuhlela kabusha izimalimboleko ngokuqondile ukuze kuvinjelwe ukuthi ziqashelwe njengeezingasebenzi. Kungase kube ukufihla ngamabomu, noma kungase kuqongelele ngezinqumo eziningi ezithethelelekayo ngazodwana — isikhulu ngasinye sinweba umboleki ngamunye ngesizathu esizwakalayo.

Imiphumela iyahlangana:

• Izinsuku ezeqe isikhathi ziyasethwa kabusha, ngakho amabhakede okuguga abonisa isimo esihlanzekile.
• Iphothifoliyo esengozini iyehla, ngoba imalimboleko ayisephuzile.
• Izibonelelo zibhalwe ngaphansi, ngoba ukubekela izibonelelo kulandela ukuhlukaniswa futhi ukuhlukaniswa kulandela imali ephuzile.
• Ukuhlaziywa kweqembu lemvelaphi kuyonakala, ngoba izimalimboleko ezihlulekile zirekhodwa njengezimalimboleko ezivuthiwe futhi ezivuselelwe.
• Inkinga itholakala sekwephuzile, lapho umboleki engasakwazi ngisho nokukhokha izimali ezikhokhwayo, ngaleso sikhathi ukuchayeka okunqwabelene sekukhulu kakhulu kunemalimboleko yasekuqaleni.

Inani lephothifoliyo esengozini elibalwa ngaphandle kokunaka ukuziphatha kokuvuselela likala inqubo yokuqoqa, hhayi ikhwalithi yesikweletu. Noma yimuphi umbolekisi onevolumu ephawulekayo yokuvuselela kufanele alandelele isilinganiso sezimalimboleko ezihlelwe kabusha futhi ezivuselelwe eceleni kwe-PAR, futhi kufanele abike izimalimboleko ngokwesisekelo sezinsuku ezeqe isikhathi eziqongelelekayo esingasethwa kabusha lapho kunwetshwa. Abagadi ezindaweni eziningi manje bafuna ukuthi ukuchayeka okuvuselelwe nokuhlelwe kabusha kumakwe, kugcinwe esigabeni sokuhlolwa, futhi kubuyiselwe esimweni sokusebenza kuphela ngemva kwesikhathi esinqunyiwe sokukhokha okufakazelwe.

Lapho ukuvuselelwa kusemthethweni

Akusikho konke ukunwetshwa okuwuphawu lwesexwayiso. Ukuvuselelwa kuyimpendulo enengqondo lapho:

• Isikhungo semali esiyisisekelo sinomjikelezo ngempela — ukuxhaswa kwezohwebo ngokumelene nebhuku lama-oda elijikelezayo, imali yokusebenza yesizini, ukuxhaswa kwempahla okusekelwe endaweni yokugcina impahla.
• Umthombo othize wokukhokha ubambezeleka ngesizathu esikhonjwayo nesinobufakazi: ukuthengiswa okuqinisekisiwe okuphothulwa sekwephuzile, inkokhelo yenkontileka isendleleni, ukukhokhelana kusalindelekile.
• Umboleki ukhokha ingxenye ebalulekile yemali eyinhloko emjikelezweni ngamunye, ngakho ukuchayeka kuyehla.
• Izimo ziphinde zahlolwa futhi umboleki ubonakala esakwazi ukukhokha.
• Ukunwetshwa kubhalwa phansi njengoba kunjalo, kuhlukaniswa ngendlela efanele, futhi kuyabikwa.

Umbuzo ohlukanisayo uqondile: ingabe ukuchayeka kuyehla? Isikhungo semali esivuselelwa ngenkathi imali eyinhloko iyehla siwuhlelo lwemali yokusebenza. Isikhungo semali esivuselelwa ngenkathi imali eyinhloko imile noma ikhula siwukulahleka okuhlehlisiwe.

Izilawuli okufanele zibe khona

• Imikhawulo yokuvuselela ngemalimboleko ngayinye nangomboleki ngamunye, ebekwe kunqubomgomo yesikweletu kunokuba ishiyelwe ekuboneni kwesikhulu.
• Ukuhlolwa kabusha okuphoqelekile kwamandla okukhokha ngaphambi kwanoma yisiphi isandiso, hhayi kuphela ngesikhathi sokuqalisa.
• Ukwehliswa okuncane kwemali eyinhloko okudingekayo emjikelezweni ngamunye.
• Ukwehlukaniswa kwegunya — isikhulu esakhipha imalimboleko akufanele kube yisona esigunyaza isandiso sayo.
• Izinga lokuvuselelwa kwemalimboleko njengenkombandlela ebhekiwe, elilandelwa ngomkhiqizo, igatsha kanye nesikhulu esakhipha imalimboleko. Izinga elikhuphukayo lingelinye lezimpawu zokuqala ezikhona zokuwohloka kwephothifoliyo.
• Ukulandelela okuqongelelwe kwezinsuku ezedlule isikhathi sokukhokha okuqhubeka ngisho nangemva kwesandiso.
• Imithetho ecacile yokuhlukanisa ehlukanisa ukuvuselelwa okujwayelekile ekuhlelweni kabusha okubangelwa ubunzima, esetshenziswa ngokungaguquki.

Ukubalwa kwezimali nokubika

Ukuthi i-roll-over iphathwa njengokuguqulwa kwemalimboleko ekhona noma njengokukhishwa ekuqashelweni nokuqashelwa kwemalimboleko entsha kuncike ekutheni imigomo ishintsha kangakanani, ngaphansi kohlaka olusebenzayo lokubika kwezimali. Umehluko unomthelela ekutheni noma iyiphi inzuzo noma ilahleko ibonakala kanjani nokuthi izimali ezikhokhwayo zisatshalaliswa kanjani ngokuhamba kwesikhathi.

Okubaluleke kakhulu ekusebenzeni umphumela wokonakala kwenani. Lapho isandiso sinikezwa ngenxa yokuthi obolekayo usebunzimeni bezezimali, izinhlaka eziningi zisiphatha njengesivumelwano esibonisa ukukhula okuphawulekayo kwengozi yezikweletu, okudinga ukuhlukaniswa kabusha kanye nokubekelwa eceleni kwezimali okwengeziwe — kungakhathaliseki ukuthi imalimboleko ayikadluli isikhathi sokukhokha. Ukuphatha isandiso esinjalo njengokuvuselelwa okujwayelekile kwenza izibonelelo zibukeke zincane futhi kubeka iphothifoliyo ngendlela engeyiyo.