Nezvizhinji zvinokwezva zvechikwereti zvinopihwa uye zvigadzirwa zvinodhura pamusika, mutengi ari kuita sarudzo dzisina kunaka dzemari.
Mumamiriro ezvinhu akadai, zvinenge zvisingaite kuchinja tsika iyi nekuda kwekufurirwa nevezera rako uye kuda kutora zvese zvinopihwa.
Zvisinei, iwe unogona kuvandudza izvi nekutevera mafungiro akanaka uye iwe unogona kuzadzisa izvozvo nemhando dzepfungwa dzakakodzera.
Heano mamwe emhando dzepfungwa dzinoshanda kwazvo dzinogona kukubatsira kuita sarudzo dzemari dzakakodzera.
Chii Chiri Mienzaniso Yepfungwa?
Mumutauro wevasina basa, mienzaniso yepfungwa haisi chinhu kunze kwekumiririra kuti chimwe chinhu chinoshanda sei. Sezvo maonero evanhu pamusoro penyika akasiyana, mienzaniso yepfungwa inobatsira mukunzwisisa maonero anoita munhu nyika mupfungwa dzake dzakaoma kunzwisisa.
Uyezve, mienzaniso yepfungwa inotibatsira kuita zvirinani uye nekukurumidza sarudzo uye inogona kubatsira zvikuru patinenge tichiita sarudzo dzemari. Asi, semienzaniso yepfungwa yakasarudzika mavari, hatigone kutaura kuti haina upenzi kana kuti inokundikana zvachose.
Hazvisi nguva dzose yakarurama kana inoshanda, asi inogona kubatsira mukuita sarudzo dziri nani nemashoko akazara. Iwe unogona kushandisa mienzaniso yepfungwa kunyangwe mamiriro ezvinhu akanyanya kuoma. Ivo vanogara vari munzira uye nekudaro vanogona kubatsira zvakanyanya kana vakashandiswa nemazvo.
Sezvo kune nheyo dzesainzi dzedzidziso dzesainzi, mienzaniso yepfungwa inoshanda sehwaro hwakanakisa hwesarudzo dzemari. Nokudaro, vanoita basa rinokosha mukuita zvisarudzo.
Semuyenzaniso, kune muzvinabhizimusi, mhando dzepfungwa dzinopa hwaro hwemafambiro ekuita bhizinesi nekuita sarudzo dzakanaka dzekukura kwebhizinesi.
Saizvozvo, kumutengesi, kuita sarudzo dzakakodzera dzemari panguva yakakodzera zvinogona kuitika chete kana mhando dzepfungwa dzakakwana dziri kushandiswa.
Ko Sarudzo dzeMari Dzakanaka Zvinorevei?
Sarudzo dzemari dzinogona kuve dzakanyanya kukosha dzimwe nguva uye nekudaro, dzinofanirwa kutorwa nekungwarira. Ingave mari yemunhu kana yekambani, unofanirwa kuigovera zvine hungwaru kudzivirira kurasikirwa kwemari kana kusagadzikana.
Iwe unofanirwa kugara wakasvinura uye kuendesa yakakodzera yepfungwa modhi kuti uite sarudzo dzemari dzakakodzera panguva yakakodzera.
Pazasi pane runyorwa rwemaMental Models mashanu anoshanda zvakanyanya anogona kukubatsira kuita sarudzo dzemari dzakafanira. Vatarise:
1. Simba Rokubatanidza
Kubatanidza kunogona kungotsanangurwa senzira yekuwedzera mhindu pane yekutanga kufarira. Iyi nzira inoenderera mberi kusvika pamari yekutanga invested inosvika pakukura kwayo.
Nekuda kwekubatanidza, kwete chete mari yekutanga yakasimwa, asiwo mubereko unowanikwa pamukuru unoburitsa mihoro nekufamba kwenguva. Izvi zvinoramba zvichienderera mberi, zvichikubatsira kuita purofiti kubva pamari yekutanga uye kubva kune yega yega yawaniswa mubereko wekomboni.
Semuyenzaniso,
Mari huru = Rs. 100, ROI = 10% pa, Period = 10 makore
Pakupera kweGore 1 = Mbereko yakawedzerwa pamukuru wechikoro iRs.10 (10% paRs.100)
Saka, iyo mari inoiswa mushure megore rimwe inova
Mukuru + Gore 1 kufarira = 100 + 10 = 110
Pakupera kweGore 2 = Chibereko chakawedzerwa iRs.11 [10% paRs.110 (Rs.100 + Rs.10)
Pakupera kweGore 3 = Yakawedzerwa mhindu iRs.12.1 [10% paRs.121 (Rs.100 + Rs.10 + Rs.11) Uye zvichingodaro…. Nenzira iyi, simba rekubatanidza rinobatsira mukukura kwehupfumi hwako nekufamba kwenguva.
2. Mukana Mari
Paunenge uchiita sarudzo dzemari, iwe unofanirwa kutarisa mari dzakavanzika uye kwete mari yakananga chete. Mukana mutengo unonyanya kutsanangurwa semutengo une chekuita nemukana wakasiiwa.
Tinogona kutotaura kuti chero chatinoita, pane mukana wemutengo wezvese. Mukana mutengo unouya pamufananidzo kana paine nzira dzakasiyana dzekusarudza kubva. Panyaya yeimwe nzira imwe chete, hapana mutengo wemukana.
Asi, pese kana munhu afunga nezvekudyara uye kupaka mari yavo, anouya nenzira dzakawanda. Mumamiriro ezvinhu akadai, mari yakarasika nekudyara mune imwe 'A' pane imwe 'B' inogona kunzi mukana wemutengo.
Mutengo wemukana muenzaniso wakakosha wepfungwa uyo unobatsira kuve nechokwadi chekuti mashandisiro akakwana ezviwanikwa zvemari zvishoma uye zvishoma zvinoitirwa iwe pachako.
3. Net Present Value
Mambure azvino kukosha hachisi chinhu kunze kwekukosha kwemari nhasi iyo ichakura mune ramangwana. Saka, izita rinopihwa kukosha kwazvino kwemari ichakura mune ramangwana. Iyo yakakosha yemuenzaniso modhi inokubatsira iwe kusarudza kuti ndeipi chirongwa chaunofanirwa kusarudza.
Kazhinji, purojekiti ine yakanaka uye yepamusoro NPV inosarudzwa pane iyo ine yakaderera kana yakaipa NPV. NPV inoreva zvese kuyerera kwemari yakaderedzwa akawedzera pamwe chete. Discounting inoreva kushandisa mwero wakakodzera wekudzikisa kumari inoyerera kuti uishandure kubva kune yeramangwana kukosha kune yazvino kukosha.
Nenzira iyi, nekuverenga kwakaringana kwakavakirwa pamitengo yakakodzera yekudzikisa, NPV inogona kuverengerwa. Inogona kubatsira zvakanyanya mukuita sarudzo dzemari dzakakodzera panguva yakakwana.
4. Kuenzanisa Kunobatsira
Kuenzanisa Kubatsira kunoreva chimwe chinhu chakanakira uye chinoratidza kubatsira zvakanyanya. Munhu anogona kushandisa mabhenefiti akadaro kana ari ega kune imwe chete.
Sezviri paMutemo weComparative Advantage, sarudzo dzako dzinofanira kufunga nezvemutengo wemukana. Izvo zvinofanirwa kuve zvisinei nekuti absolute Advantage iripo here kana kuti kwete.
Ngatitii kana paine Advantage yakakwana pakati pezvinhu zviviri, iyo ine mukana wakaderera inofanira kusarudzwa uye nyanzvi mune.
Iyi idzidziso yakakurumbira yezvehupfumi inogona kubatsira kuita sarudzo dzemari dzakaringana kuitira kugara zvakanaka kwemari.
5. Kudemba Kuderedza
Chinangwa chikuru chemuenzaniso wepfungwa uyu kuderedza kuzvidemba kweramangwana nekuongorora uye nekubvunzurudza sarudzo dzemari dzemunhu kuburikidza nekuona nguva. Pfungwa yekuseri kwemuenzaniso uyu ndeyekuti ramangwana remunhu raizofunga sei nezvesarudzo dzaanotora nhasi. Inotarisa zvishoma pane yepfungwa yepfungwa yemunhu kuti ive nechokwadi chekuti hapana kukuru kuzvidemba mune ramangwana.
Uyezve, iyi muenzaniso yepfungwa inonyanya kushamwaridzana nayo Jeff Bezos. Akashandisa uyu muenzaniso wepfungwa kusiya basa rake chairo uye kutanga Amazon apo internet yaive mubhoom. Kutenda kune iyi yepfungwa modhi, isu tava neAmazon sezvatinoiziva nhasi.
Kubvunza mubvunzo wakareruka senge sarudzo ingakupa kuzvidemba makore mashoma pasi pemutsara dzimwe nguva inogona kukubatsira iwe kuzviitira sarudzo yakakunakira. Saka funga nekuchenjera, uye sarudza zvisarudzo zvinoita kuti usazodemba mune ramangwana.
Summing Up
Iwe unogona kunzwisisa maitiro epfungwa seakafanotsanangurwa masisitimu ayo aizopa mhedzisiro yakasiyana pane zvaizove mhedzisiro dai watora sarudzo dzemari zvichienderana neseti yavo yepakutanga yezvitendero. Vanoshanda sebhokisi rekushandisa pakuita sarudzo.
Iwe unofanirwa kuve nechokwadi chekuti mamodheru akakodzera anoiswa kugadzirisa rimwe dambudziko, sekunge asiri ese maturusi akakodzera nyaya yega yega.
Nekusarudza chimiro chepfungwa chakakodzera, unogona kuita sarudzo dzemari nyore panguva chaiyo, nekudaro uchive nechokwadi chekuti mukana wekuita rombo rakanaka wakaitwa nenzira kwayo.
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