Icandelo lezokwakha lelinye lezona zicetyiswayo ukutyala imali esiyigcinileyo kulo nyaka. Kukho abahlalutyi bezemali abakhetha oku ngenye indlela njengefomyula yokwenza ukuba inkunzi inenzuzo kunye neziqinisekiso ezinkulu zempumelelo. Kodwa, ngaba uyazi ngokwenene ukuba ungasitshintsha njani ngokuchanekileyo esi siphakamiso kwii-equities? Kuba uyakuba nembono engaphezulu kwesinye yokufezekisa lo mnqweno kule minyaka imbalwa izayo.
Ukuba kukho into ephawula eli candelo, kungenxa yokwahluka kwayo okuphezulu. Kukhulu kune abanye ezikhoyo kwizabelo. Kuluhlu olubanzi lwezindululo, njengoko uza kuba nakho ukubona ukusukela ngoku. Kakhulu ukusuka kwindawo enobundlobongela ngokungathi iindlela zakho zotyalo-mali zilondolozile. Ewe, ngeli xesha awunakuba namathandabuzo malunga namathuba avulekileyo okungena kwicandelo lokwakha. Ngeendlela ezahlukeneyo.
Kuyinyani ukuba eyona ndlela ethe ngqo yokutyala imali yakho kulwakhiwo yimarike yemasheya. Ngeenkampani ezininzi ezahlukeneyo. Kodwa nangolunye uthotho lwezindululo ezizodwa ezinokusebenza ngokulinganayo. Ngamanye amaxesha nangokusebenzisa Ukuqhekeka komhlaba kunye neendlela zokuyilwa kwemvelaphi yazo. Ngayiphi na imeko, awuyi kufutshane nezimvo zokuhambisa ezi ntlobo zemisebenzi. Iqhelekile, kwelinye icala, kwizinto ezithandwa ngabatyali mali abancinci nabaphakathi.
Ulwakhiwo: iimarike zesitokhwe
Ukuba awufuni ukwaphula intloko, isindululo sokuqala ekufuneka uye kuso ziimarike zezabelo, kwaye ngokukodwa kwimarike yemasheya. Unezikwere zesizwe iinkampani ezininzi ngalo mgca osekwe kwisitena seshishini. Nangona ngeendlela ezahlukeneyo. Akumangalisi ke ukuba yenye yezona zinamandla kuzo zonke iintengiso zamazwe aphesheya. Ewe awunyanzelekanga ukuba ubamonele. Licandelo elibalulekileyo kuqoqosho lwaseSpain. Kwaye oko kwafumana amandla kwakhona emva koqoqosho lwezoqoqosho ukuqala ngo-2008.
Kwakhona ukujonga kwabo bonke abatyali mali babuyile kwiinkampani zokwakha. Ngamanye amaxesha nangamandla amakhulu. Apho indawo yokuthenga inyanzelisa ngokucacileyo kubathengisi. Ngaphandle kwamaxabiso okungena ngaphakathi kwezinye zeenkampani ezidweliswe kwimarike yaseSpain. Ngophononongo olunomdla olunomdla kakhulu olusekwe kumngcipheko wokuba izabelo zalo zikhona ngalo mzuzu.
Ukongeza, uninzi lweenkampani zokwakha zibonelela nge- isivuno sesahlulo malunga neepesenti ezi-5. Njengento eyongeziweyo yokunyusa inzala kukuthenga kwakho. Ngokubanzi ngokusasazwa kwabanini zabelo rhoqo ngonyaka. Ngayiphi na imeko, ibikhula njengelinye lawona macandelo asebenzayo kwezemali kweli. Nangona amaxabiso abo evelisa ukungazinzi okukhulu kumaxabiso abo. Umahluko obanzi kakhulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi kwaye kwezinye iimeko unokufikelela kwi-3%, nokuba ugqithe kwiiseshoni ezisebenzayo kwiimarike zezemali.
Imali yotyalo mali yokuthengiswa kwezindlu
Enye yeefomathi onazo okwangoku zokutyala imali yakho kungenxa yotyalo mali. Olukhetho olulondolozayo, kodwa ngaphandle komdla omkhulu kwiinyanga ezizayo. Nangona utyalomali lwakho, ngaphezulu kweenkampani zokwakha, isekwe kwizindlu nomhlaba. Yinto encinci ekufuneka uyivavanye ukuba ufuna ukuvula izikhundla ukusukela ngoku kwezi mveliso zezezimali. Ngoluhlu olubanzi lweemali ukuhlangabezana neemfuno zakho zangoku.
Ezi mali, ngamanye amaxesha, zidibene nezinye iiasethi zemali. Ukuza kumvuzo omiselweyo kunye nokwahluka. Nangona iipesenti ubuncinci ezingadluli kwi-25% yepotifoliyo yotyalo-mali. Zenziwe ziinkampani zolawulo ezahlukeneyo, kwaye phantsi kweemodeli ezahlukeneyo kulawulo lwazo. Ke unokukhetha ifomathi efanelekileyo yeempawu zakho njengomtyalomali omncinci nophakathi.
Le ndlela yotyalo-mali ijolise ngakumbi kwixesha eliphakathi nelide. Yenye yezinto ezizodwa ezikhoyo ezi ngxowa-mali zikhethekileyo. Ayilolize, ukuba into oyifunayo kukukhawuleza, kuya kuba bhetele ukuba ukhethe ezinye iimveliso zezemali eziguquguqukayo ezinokuthi zalathise ukuhamba kweenkampani zokwakha kwiimarike ze-equity. Kwimali yotyalo-mali, ngokuchaseneyo, into onokuyenza kukudala indawo yokugcina imali kwiminyaka embalwa ezayo ngokusekwe kweli candelo libaluleke kakhulu kuqoqosho.
Utyalomali nge-ETFs
Imali yokurhweba ngokutshintshiselana ibandakanya izibonelelo zeemali ezihlangeneyo kunye nentengiso kunye nokuthengwa kwezabelo kwimveliso enye. Nangona iphantsi kobuntu obuchazwe kakuhle. Ewe ikwanemodeli ezisekwe kulwakhiwo, kodwa nge uthotho lokwahluka okuphawuleka kakhulu ekufuneka uyazi. Ayisekelwanga kwixabiso elinye lesitokhwe, kodwa kubhasikidi wesitokhwe. Ngale ndlela, uya kuba nakho ukwahlula utyalo-mali lwakho ngokufanelekileyo. Ngokukodwa kwelona xesha lingathandekiyo kwimidla yakho.
Inokuba nohambo lokunyuka kakhulu kwiinyanga ezimbalwa ezizayo. Ngaphandle kwalo naliphi na ixesha izikhundla zabo zinxulunyaniswa nezinye ii-actinos zezemali. Akukho mvuzo ungenisiweyo okanye uguquguqukayo. Yimveliso yezemali ebeka umngcipheko ngakumbi kwisivumelwano sayo. Kodwa ngomvuzo onokuthi ubuyekeze inzala yakho ngokuthenga kwakho kwiimarike zezemali.
Ukusuka kule meko ngokubanzi, iyinxalenye yokucebisa kakhulu kwiprofayili yotyalomali oluphakathi. Ngaphandle kokuthatha isikhundla sobundlongondlongo, kodwa zikude nakwiindlela zokuziqhelanisa. Okwangoku, uneemali ezininzi zokurhweba ezitshintshayo ezihlangabezana nale miqathango. Nangona kunjalo, Unikelo alunamandla kangako njengaleyo ubonelelwe ngayo ngezinye iimodeli kulawulo lwayo. Ukuya kwinqanaba lokuba banomda kwaye bafuna ulwazi olukhulu ngemveliso.
Isindululo sotyalo mali
Ngayiphi na imeko, ukwimeko yokukhetha imodeli yotyalo-mali eyahlukileyo ngokupheleleyo. Zombini ekukhawulweni kwayo nakoomatshini bayo. Kutyala imali encinci ekwakhiweni kweeflethi. Kuqala unokucinga ukuba ufumana i- isivuno sisondele kwi-3%. Kodwa ukuba ixesha lotyalo-mali lijoliswe ixesha elide, unokuyinyusa ibe ngaphezu kwama-50%. Eyona nto inomdla ngesi sicelo sodwa kukuba ungayenza ngokusesikweni ukusuka kwi-100 euro. Ukuziqhelanisa oko kuthetha ukuba uya kuba neyakho iflethi okanye iflethi ngendlela elinganayo. Njengenzuzo efunyenwe ngenxa yokwenza lo msebenzi.
Yimodeli yotyalo-mali yeziganeko zamva nje kwaye isabonisa ukuthandabuza. Ikwaphuhliswa ngamaqonga amatsha akwi-intanethi agqibe ekubeni enze le projekthi ngenjongo yokutyala oosomashishini abancinci. Ngaphandle kwemingcipheko emininzi ngenxa yokuba bhetyebhetye kweminikelo yemali. Ngamafutshane, ezinye iindlela onokuzisebenzisa ukutyala imali kwintengiso yokwakha ukusukela ngoku.
Utyalomali kumakhaya amatsha
Amathuba akho okutyala ngale mali yezezimali akapheleli apha. Njani? Ewe, ilula kakhulu, ngokutyala imali kwikhaya lesibini. Ngokwezifundo ezininzi kwicandelo, ukubanakho ukuphinda kujongwe ukuthengwa kweeflethi kwakhona enomtsalane kubatyali mali. Ngokukodwa, ukufunyanwa kwekhaya lesibini yenye yezona ndlela zisebenzayo zokwenza ukuba umsebenzi ube nenzuzo.
Kule nto unesithembiso esomeleleyo sokubolekwa kwemali mboleko. Ukuthatha ithuba lokwehla kweedreyini kwisalathiso somgangatho wokubambisa, i-Euribor. Ayothusi into yokuba ikumanqanaba amabi. Le meko inokukunceda ukuba uthenge indlu yesibini. Kodwa ngenjongo yotyalo-mali, hayi eyokuhlala. Ngeli xesha unemali mboleko yakho yobambiso ekhoyo ukusasazeka ngezantsi kwe-1%. Ngale ndlela, umsebenzi uya kubiza ixabiso eliphantsi ukuze ubenakho ukuwenza ube semthethweni.
Isicwangciso sotyalo-mali sinokuhanjiswa ngeendlela ezimbini. Kwelinye icala, ngokuyithengisa xa ixabise ngokwaneleyo. Ukufumana inzuzo enkulu ekusebenzeni. Oko kungagqithwa kumanqanaba angama-20%. Ayothusi into yokuba kwisithuba seminyaka embalwa unokuhlangabezana neyona minqweno uyifunayo. Ngoncedo lokuba uya kulawula ubunzima bomsebenzi ngokwakho, ngaphandle koncedo lwezixhobo ezongezelelweyo.
Okwesibini kwamanyathelo onokuwathatha ngendlu oyifumeneyo kusekwe ekuyiqeshiseni. Unokufumana kwakhona imbuyekezo kule ntengiselwano yemali. Nokuba kuphela kwifayile ye- Amaxesha okuphumla. Hayi lilize, baya kuba yingeniso eyongezelelweyo onokuyisebenzisa inyanga nenyanga. Yiyo loo nto ukuphucula ibhalansi yeakhawunti yakho yokujonga. Lonke ixesha kubonakala kufanelekile ukugcina urhulumente wokuqeshisa nekhaya lakho elitsha.
Njengoko sele ubonile, unendlela engaphezulu kwesinye yokutyala imali kwilizwe lezitena. Naziphi na zazo ziya kukuzisela izibonelelo, ngakumbi ukuba uyakwazi ukuzilawula ngokuchanekileyo kwaye imarike iyaxabisa ngokokulindelweyo. Ngaphandle kwesidingo sokugxila ngokukodwa ekuthengeni izitokhwe kwiimarike zezabelo. Kuba uya kuza kwisigqibo sokuba kukho ubomi ngaphaya kwengxowa. Ngaphandle kokuya phambili, lo ngumzekelo wesi sicwangciso.