Sabemos que tenemos que hacer una inversión inicial para empezar nuestro emprendimiento. Pero puede que no sepamos como manejar esa inversión, a que tiempo la tendremos de vuelta, como interpretar esos números para tu beneficio, como ir monitoreando el rendimiento o retorno de esa inversión.
Hoy voy a darte algunos tips muy sencillos de aplicar, pero súper importantes para que puedas internalizar los conceptos.
#1. Define la Inversión. ¿Cuánto necesito invertir?
Es primordial que podamos tener bien definido ese número:
- ¿Cuánto necesito invertir para empezar a operar o empezar ese nuevo proyecto que quiero hacer?
Para ello, haz una lista de todo lo que necesitas comprar, cotiza diferentes opciones, al menos tres opciones de cada item necesario, luego escoge la mejor opción analizando su costo/beneficio y suma todos los rubros con sus montos. Al final ese resultado será el dinero que necesitas para invertir. Es importante que esto te lo revise un experto o alguien de tu confianza con experiencia que te pueda dar su punto de vista y recomendaciones.
Si estás por iniciar un negocio, contempla en tu proyección los costos fijos de al menos 6 meses, para que tengas el dinero disponible y no te preocupes por cómo vas a cubrir tus costos fijos esos primeros meses, recuerda que el negocio está empezando y dándose a conocer, es mejor estar preparado. ¡Ojo! Sin importar eso, mételes todas las ganas desde el día 1 como si no tuvieras ese dinero de back up.
- ¿Cuánto es lo mínimo que necesito para iniciar operaciones o poner andar ese nuevo proyecto en mi negocio?
Cuando hablo de proyectos, puede ser cualquier cosa que necesite de un monto de dinero para ponerlo andar, ejemplo: creación de página web, compra de algún equipo, compra de computadora, alquiler de un nuevo local, remodelación de local, compra de más inventario o de insumos, etc.
Cuando estamos iniciando un negocio o un proyecto, es recomendable iniciar con lo mínimo requerido para operar, para no comprometer tanto capital innecesariamente inicialmente.
#2. ¿En qué tiempo tendré mi inversión de vuelta?
Si tu caso es que tu pusiste la inversión inicial, puedes decidir de qué manera y en qué tiempo lo quieres tener de vuelta.
Ejemplo: Si pusiste de capital propio, $1000.00 para el negocio, y decides que quieres tenerlo de vuelta en 12 meses, sin intereses.
$1000/12 meses = $83.33
En este caso, el negocio tiene que pagarte $83.33 mensuales para obtener la inversión devuelta en 12 meses.
Tendrías que incluir dentro del presupuesto de tus costos fijos este monto, como pago a mi inversión.
Acá puedes descargar gratis una plantilla automatizada para tener una guía de cómo hacerlo.
Otro escenario puede ser sacar un porcentaje de tus ganancias brutas, para pagar a la inversión. Digamos que quieres pagar un 5% de tus ganancias a pago de inversión.
Ejemplo, si tus ganancias brutas del mes fueron de $600.00 por el 5% = $30.00, que estarías pagando para amortiguar la inversión. En este caso te llevaría más tiempo, si la inversión fue de $1000.00 / $30.00 = 33.33 meses aproximadamente unos 2 años y 7 meses. Claro si decides que el porcentaje sea mayor, así mismo disminuirá el tiempo de retorno de tu inversión.
Todo esto lo puedes decidir tú mismo, ya que eres el dueño de tu negocio y eres quien haces las reglas.
El escenario cambia, si el dinero fue prestado por una entidad bancaria, ya que ellos son los que ponen las reglas. Sin embargo, no olvides, antes de tomar la decisión de meterte en una deuda, analizar todas las opciones disponibles, en cuanto a tasas de interés, letras mensuales, tiempo de la deuda, analiza cuanto te costará cada opción y escoge la que mejor te convenga.
Inclusive, para no comprometer tu patrimonio personal y no descapitalizarte puedes considerar mejor la opción de tomar un financiamiento con una entidad bancaria, todo depende del monto de la inversión y de tu planificación, lo que me lleva al siguiente punto.
#3. Planifícate.
Sé que vivimos en una cultura, donde lo que queremos todo ¡ya!, y es lo que muchas veces nos lleva a cometer errores en nuestras finanzas que nos llevan a crisis y dolores de cabezas que nos agobian por muchísimo tiempo, por eso la planificación juega un papel crucial para cualquier área de nuestro emprendimiento y vida personal, pero cuando estamos hablando de inversión de dinero, es aún más relevante, no te dejes llevar por los impulsos, planifica tus proyectos en tiempo y espacio.
Lo que quiero decirte es que, escribas en tu cuaderno de notas o agenda, el nombre del proyecto que quieres desarrollar, cuando lo quieres tener hecho, y cuánto te costará hacerlo.
Por ejemplo, la vez pasada, me preguntaron, Sophia, ¿Cómo hago para comprar una máquina de serigrafía que quiero traer a mi negocio, la quiero porque es más rápida y tiene más capacidad? Le contesté con otra pregunta, ¿Ya sabes cuánto te cuesta la máquina?, me contestó: No, le dije, bueno esa es lo primero que debes saber. La siguiente pregunta es, ¿Para cuándo te gustaría tenerla en tu negocio? Me contestó para enero del otro año, o sea en 6 meses. Le dije, bueno una vez sepas cuánto cuesta la máquina, por ejemplo, digamos que el precio es de $2000.00 / 6 meses = $334.00 al mes debes ahorrar para comprarla. En base a esto planifícate, para lograr tus objetivos.
También está la opción de adquirirla por medio de financiamiento, siempre y cuando, hayas analizado todas las opciones y no afecte tu presupuesto.
Espero que estos tips te sirvan, me cuentes qué te apareció, y cualquier duda que te quede, no dudes en escribirme.
Acá podrás encontrar otras guías y plantillas que te ayudarán a llevar organizadamente las finanzas de tu negocio, Plantillas y guías.
Nos vemos la próxima semana,
38 comentarios en “¿Cómo manejar la inversión en tu Emprendimiento?”
Excelente post. Me ha caido justo a tiempo este tema, justamente iniciamos una pequeña inversión en el negocio, a veces pienso que escribe para mi, la mayoria de los temas me caen como anillo al dedo. Gracias por continuar educandonos
¡Hola Lily! Me has hecho reir, que buenooo que te ayude lo que escribo. De verdad gracias por leerme y el apoyo. Un abrazo.
Excelente Post.
Gracias por compartir sus conocimientos, espero muy pronto realizar un seminario con ud.
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