Inogonawo kuverengwa mumakore anotevera zvichienderana nehuwandu hunofungidzirwa hweimba kunze kwekutengesa mari. Izvo zvaizova ikozvino kuenzaniswa kwekutsvaga iwe waizove nayo muimba yakagadziriswa nekukwira kupi zvako kwekukosha nekubhadhara kwebhadharo.
Nei Tichienzanisa ROE Mumakore Anotevera?
Kusiyana nedzimwewo ROI, Kudzokera kune kuwedzera kwekutsvaga, iyi inoyera kudzoka kwako pane nhamba inoshanduka. Mari yaunoisa mubhadharo yakaderera haina kuchinja, asi pamusoro pemakore mamwe maitiro anoita, uye anoshandura kudzoka kwako pahutano. Izvozvo ndezvokuti kuenzana kwako kuchinja. Kutanga, ngationei zvikomborero zvaunofarira pakuva neimba yekurenda:
- Kubhadhara chikwereti: Sezvaunoenderera mberi uchibhadhara chikwereti, uri kubhadhara pasi chikwereti chikuru chemari. Ukwana hwako hunowedzera nokuti iwe unokwereta zvishoma maererano nehuwandu.
- Kukoshesa zvakakosha: Musha wako unofarira kukosha kwemazuva. Saka, paunenge uchideredza zvaunokwereta, uri kuwedzera zvakare zvakakosha. Kusiyana pakati pezviviri kuri kukura; kuenzana.
- Cash Flow : Mwedzi woga woga uchange uri kubhadhara mari, mari inobhadharwa mubhadha iyo iri pamusoro pemari yekubhadhara uye mari.
- Kuwana mari yemutero: Kuwedzerwa kwepreciation inobatsira zvikuru. Gore rega roga iwe unogona kutora maererano nemari yekubhadhara chikamu chekukosha kwechimiro sekuderera. Iwe hauna kupedza chero chinhu, asi kubviswa kwakangofanana newe.
Izvo zvinhu zvinoshamisa zvinoshamisa zvinoita kuti dzimba dzive nani pane dzimwe dzimba dzekutsvaga. Zvisinei, tinoona kuti pane vaviri vavo vari kuchinja kushanda kwedu, izvo zviri kuramba zvichikura. Ngatitarisei muenzaniso:
Iwe unotenga imba yekubhadharira $ 100,000 ne $ 20,000 pasi. Gore rekutenga iwe unoona kuti rinokosha $ 100,000, asi iwe unongova $ 80,000 chete, sezvo iwe une $ 20,000 iri pasi kubhadhara sehutano.
Ngatitaurire kuti mari yako yegore inofadza inokwana $ 3 600, kana $ 300 pamwedzi pamusoro pekutenga mari uye mari. Saka, ROE yedu iri $ 3 600 / $ 20,000, kana 0.18 = 18% Dzokera kuEquity. Iwe uri guru guru rekutsvaga!
Zvino ngatifambisei mberi kwemakore gumi. Iwe wakanga uri kubhadhara pasi yako chikwereti, uye imba yaifarira kukoshesa, iko zvino inokosha $ 118,000. Chikamu chako chekukodzera chekubhadhara chikwereti kubva pa $ 80,000 kusvika ku $ 66,000. Zvino tarira kutarisana kwako. $ 118,000 - $ 66,000 = $ 52,000, mukana wenyu wekutsvaga mumuenzaniso wedu uri nyore. Iye zvino ngationei kuverenga zvakare ku ROE. Uri kutora zvishoma kubhadhara, saka mari yako inopera ikozvino $ 4 400 pagore. $ 4 400 / $ 52,000 = 8.5% Kudzoka paEquity.
Chii chakaitika? Zviri nyore, sezvo kuenzana kwawedzerwa iwe zvirokwazvo haugone kuwedzera renti nokukurumidza. Saka, ichi ichi chiri chekutsvaga kukuru here? Tarisa pane zvaungaita iye zvino ne $ 52,000. Inogona kuva nguva yekutengesa nekudzorera.