Enye yeemeko ezimbi kakhulu ezinokuthi zivele kukulahleka kwipotifoliyo yakho yotyalo-mali. Ayisiyi kuba yimeko engafunekiyo kuphela, kodwa inokuvelisa intloko engaqhelekanga. Kuba awuyi kuba kwimeko yokuthengisa izabelo zakho kunye nomngcipheko owongeziweyo wokuba izabelo zakho ziqhubeke nokuhla kwiimarike zemali. Ukuza kuthi ga kwinqanaba lokuba yinto oye wahlangabezana nayo ngaphezu kwesinye kwimbali yakho njengomtyali mali omncinci nophakathi.
Zonke izicwangciso zakho mazijolise ekuphepheni le meko ingathandekiyo. Kodwa kwiimeko ezininzi awunakukhetha ngaphandle kokuyithatha njengesiphumo se-inertia yeemarike zezemali ngokwazo. Yinto eya kuba ngaphandle kolawulo lwemidlalo yakho. Apho uya kuba nezisombululo ezingaphezulu kwesibini kuphela. Okanye uthengise izabelo kunye nesiphumo Iziphene. Okanye, ngokuchaseneyo, linda izinto zihambe ngcono kuwe kunye namaxabiso ezabelo ahlawulweyo ade afike kwixabiso lokuthenga elifanayo.
Kuzo zonke, ukusukela ngoku uzakubanothotho lwezicwangciso zotyalo-mali eziza kukunceda ngelahleko ezinokubakho kwimisebenzi yakho kwizabelo. Kulula ukuzisebenzisa kwaye azizukufuna ulwazi olukhethekileyo ukuzenza ukusukela ngoku. Zinendalo eyahlukeneyo ukuze uzingenise ngokuxhomekeke kwiprofayili oyivezayo njengomtyali mali: ndlongondlongo, ngokuphakathi okanye ngokuzikhusela. Ngayiphi na imeko, iya kuba sisixhobo esiza kukunika ukusebenza ngakumbi kwizenzo zakho. Kwaye mhlawumbi unokuzithemba ngakumbi ekusebenzeni kwakho kwilizwe lemali.
Ngaba unokuthintela ilahleko kwimarike yemasheya?
Ewe kuya kuba nzima kakhulu kuwe ukuthintela ukubonakala kwale meko. Ukungathethi ukuba akunakwenzeka. Akumangalisi ukuba imarike yemasheya ayisiyonzululwazi kwaye nantoni na inokwenzeka, kubandakanya ukukwazi ukulahla ngaphezulu kwe-euro kunokuba bekulindelwe kwimisebenzi yesitokhwe oyenzayo ukusukela ngoku. Kodwa ewe onokuyifumana kukuzikhawulela. Ke ukuze ibhalansi yeakhawunti yakho yokujonga ingavelisi ngaphezulu kokucaphuka kule minyaka izayo. Ukwenza oku, kuya kufuneka ulandele ezinye zeengcebiso esiza kukuveza ngazo.
Ukufezekisa ezi njongo kudala zilindelwe, awuzukuphumelela kuphela ukwenza isikhokelo esicacileyo nesichaziweyo sezenzo. Kodwa kuya kufuneka ukuba utshintshe ezinye zeendlela onazo kubudlelwane bakho neemarike zezabelo. Ngethamsanqa elincinci kunye noqeqesho oluthile ngekhe ubenazo iingxaki ezigqithileyo Ukusukela ngoku ukuya phambili, ibhalansi yeakhawunti yangoku ayihlupheki kakhulu. Ukuya kwinqanaba lokuba ungaphulukana nenxalenye ebaluleke kakhulu yeeasethi zakho zobuqu.
Isitshixo sokuqala: ukwahluka
Iya kuba ngumthetho osisiseko ukukhusela ulondolozo lwakho kwiimeko ezingathandekiyo ezinokukuzisela zona ii-equities. Esi sicwangciso sotyalo-mali sinokusetyenziswa ngokungatyali imali oyigcinileyo ngexabiso nje. Kodwa ezininzi kwaye ukuba kunokwenzeka zivela Iimpahla ezahlukeneyo zemali. Ukulungiswa, ukwahluka, enye ingeniso kunye nemarike entsha yemali yeyona ndlela iphambili yokuma iphothifoliyo yakho kwezi zihlandlo zichanekileyo.
Nokuba imveliso yemali eqokelela ezi mali kutyalo mali. Iimali zotyalo-mali zichanekileyo esinye sezindululo ezibambe kakuhle le ndlela yahlukileyo. Kungenxa yokuba, iiphothifoliyo zakho zinokwenziwa ngeeasethi ezahlukeneyo zemali. Ukusuka kwiibhondi zomdibaniso ukuya ekuthengeni izabelo kweyona ntengiso yezemali yoqobo onokuyifumana ngoku. Ngeziphumo ezonelisayo kakhulu kubantu abasebenzisa ezi ndlela.
Isitshixo sesibini: ulawulo olusebenzayo
Alithandabuzeki elokuba eli nyathelo liya kukunceda uluqhube ngcono utyalo-mali lwakho. Ingakumbi kwezona meko zingathandekiyo kwiimarike zemali. Ngesizathu esikhetheke kakhulu kwaye oko kukwazi lungelelanisa iintshukumo kuzo zonke iimeko ezinokwenzeka. Ukusuka kwezona ziluncedo kwimidla yakho yobuqu ukuya kwinto eyenziweyo ngamaxesha okudodobala kwezoqoqosho. Kukwanokubaluleka okubalulekileyo ukuba abaphathi ngokwabo baya kuba noxanduva lokwenza olu tshintsho kuxhomekeke kwiimeko ezivelayo ngalo lonke ixesha.
Ingxaki enkulu ekuphumezeni oko kukuba bambalwa kakhulu iimveliso zebhanki okanye zezezimali ezibonelela ngolu hlobo. Kwaye kwakhona ziingxowa-mali zotyalo-mali ezikunika zona kuwo onke amandla alo. Phantsi kolawulo olusebenzayo lokonga kwakho kwaye loo nto ithelekiswa neefomathi zotyalo mali. Zeziphi ezihlala zigcina ukwenziwa okufanayo. Nokuba kwenzeka ntoni nokuba iingxaki ezinzulu zenzeka kwezinye zeemarike ezikhethiweyo. Umahluko omkhulu onokukunceda uphume enkathazweni. Ngokukodwa kumaxesha e-bearish.
Isitshixo sesithathu: dibanisa ezininzi
Elinye lamaqhosha abaluleke kakhulu ukuze ilahleko yakho ingabi nkulu kakhulu kukusasaza ulondolozo lwakho iimveliso ezahlukeneyo zemali. Ukuza evela zombini umvuzo ohleliyo kunye nokwahlukileyo okanye nokukhetha enye indlela yentengiso. Apho ezo zezinto ezisetyenzisiweyo, isinyithi esixabisekileyo okanye ezemali kunokuba zezona zinika ingcebiso ngokudibanisa utyalomali lwakho ukusukela ngoku. Iziphumo, njengoko ubona, zinomtsalane njengoko ilahleko iya kuncitshiswa ngokumangalisayo. Ngokusebenza ngakumbi kunokuba unokucinga kwasekuqaleni.
Ngale ndlela, uya kuba nakho uku dibanisa iidipozithi zexesha, amanqaku ebhanki, ukuthengwa nokuthengiswa kwezabelo, utyalo-mali okanye iimali ezidwelisiweyo kunye neeakhawunti zokujonga umvuzo omkhulu. Ngenxa yesi sicwangciso siluncedo, uya kuba nakho ukukhetha iimveliso ezintsonkothileyo ezinokukunika imbuyekezo enkulu kwiminikelo yakho yezemali. Uncedo onalo kukuba uya kuba kwimeko efanelekileyo yokudibanisa nayiphi na imveliso okanye i-asethi yezemali.
Isitshixo sesine: phuma kwimida
Ukunciphisa iilahleko onokuzivelisa ukusukela ngoku ukuya phambili, unokuya nakwezinye iimarike zamanye amazwe kwizabelo. Ayothusi into yokuba kuhlala kukho ezinye eziziphatha ngcono kunabanye kwaye ungathatha ithuba le inertia ngokwendlela yamaxabiso abo. Iya kukunika umda ongcono woku thintela iimeko ezingathandekiyo ukulungiselela umdla wemali oyityalileyo. Nangona awunakukhetha ngaphandle kokujongana neenkomishini ezibanzi eziza kukuchithela imisebenzi kwiimarike zezabelo ngaphandle kwemida yethu.
Ewe iyakukunceda lixhakamfule onke amathuba Leshishini elibonisiweyo. Ngalo naliphi na ixesha nakwizicwangciso ezahlukeneyo. Akukho mida ekusebenzeni kwakho kuba nguwe kuphela oya kubabeka kwiindlela zakho zokunxibelelana nelizwe elinzima lemali. Ukusuka kwii-equities zase-United States ukuya kwili zwekazi lakudala, bayakulibala ngeemarike zestokhwe zaseAsia okanye zaseLatin. Babandakanya umngcipheko omkhulu, kodwa kwangaxeshanye umvuzo uya kuba phezulu. Soloko unenjongo yokunciphisa ilahleko yengxelo yakho yengeniso.
Isitshixo sesihlanu: ukunciphisa umrhumo
Enye indlela esebenzayo yokukhusela umdla wakho njengomtyalomali omncinci nophakathi. Kuba iya kukuvumela ukunciphisa ukukhubazeka ngendlela egqibeleleyo. Ayothusi into yokuba imali esesichengeni iya kuba mbalwa kwaye ke ngoko uya kuba semngciphekweni omncinci kunakwimeko ezithile ezibanzi ukusuka kwindawo yemali. Kungenxa yokuba, awudingi ukutyala yonke imali ekhoyo, kodwa ngenxalenye yayo, kuxhomekeke kwiimfuno zakho zoqoqosho. Nokuba unegalelo eliphantsi kangakanani ukuthintela ukuthatha umngcipheko ogqithileyo kwiintshukumo zakho kwimarike yemasheya.
Ukongeza, iya kukubonelela ngento yokuba unokuba nemali enkulu xa kuvela amathuba amahle nakweyiphi na intengiso yemali. Into engenakwenzeka, ukuba ngokuchaseneyo, utyala yonke imali yakho ngexesha elinye. Ukuba wabela phakathi kwe-20% kunye ne-60% yolondolozo lwakho, iya kuba yanele ukwanelisa iminqweno yakho yotyalo-mali. Ukushiya umthwalo wabo kwimisebenzi emitsha kwiinyanga ezizayo.
Isitshixo sesithandathu: hayi kwezi zinobunkunkqele
Okokugqibela, awungekhe ulibale ukuba ukungabikho kwakho ekuthatheni isikhundla kwezona mveliso zinochuku kuya kukunceda ulawule ikapitali yakho. Uninzi lwazo lubandakanya umngcipheko ogqithisileyo kwaye ngakumbi ukuba awunalo ulwazi olwaneleyo lwezezimali ukuze usebenze ngezi zindululo. Apho uguquko olubi lwazo lunokubangela ukuba ulahlekelwe ngama-euro amaninzi kunjalo nje. Ukuya kumanqanaba anokuba yingozi kwimidla yakho. Apho kunokwenzeka ukuba ushiye indawo elungileyo yenkunzi embindini.
Iziqinisekiso, ukuthengisa ngetyala, ezinye izinto kunye nezinye iimali zotyalo-mali zezinye zeemveliso apho ungaphulukana nemali engaphezulu kunokuba iyimfuneko. Ukuya kwinqanaba lokuba ucinga ukuba ayikufanelanga ukuba utyale ezi modeli zindlongondlongo ngokwendlela yabo. Kananjalo awuyi kuzilibala iimveliso ezifanayo neefayile ze- Inetyhefu Kwaye bashiye umgca wamaxhoba endleleni. Ngeenkqubo zokugweba ezichaphazelekayo. Yinto ongafanele uyenze ukuba owona mnqweno wakho uphambili kukukhusela ulondolozo lwakho kuzo zonke iindleko. Akukho namnye kubo, ukunqanda ukuba nexesha elibi kwimeko yakho yobuqu.