Isixa-mali sokugqibela salo nyaka kufuneka sisebenzele abatyali mali abancinci nabaphakathi ukuphuhlisa ezona zicwangciso zilungileyo zotyalo-mali ukuze eyona njongo yabo iphambili kukuphucula iiasethi zethu zobuqu okanye zosapho. Ayisiyonto nje yokubetha indawo ekukhetheni ezona zibalo zibalaseleyo. Ukuba akunjalo ukubhalisela ezona mveliso zezezimali zibalaseleyo ngalo lonke ixesha ukuze ngale ndlela isikhokelele ekufezekiseni iinjongo zethu ngempumelelo iyonke. Kuba emva kwayo yonke into echaphazelekayo kuzo zonke iimeko.
Kule meko ngokubanzi, akukho mathandabuzo ukuba sinokusebenzisa iindlela ezahlukeneyo zotyalo mali. Kwaye oko kuyakuxhomekeka kwiprofayili esiyibonisayo njengabatyali mali abancinci nabaphakathi esiyiyo. Ukuze ngale ndlela, i ukukhuselwa kwezikhundla zethu kwiimarike zemali bakhuselwe ngepesenti ephezulu abaqhutywa ngayo ukusukela ngoku. Apho ukufunda kolu hlobo lwemisebenzi kuya kuba lixabiso elongeziweyo lokulenza kunye neziqinisekiso zempumelelo.
Ewe kunjalo, siza kubonelela ngezimvo eziluncedo kakhulu eziza kwamkeleka kwinani elikhulu labasebenzisi bemakethi yesitokhwe. Ukuze ukusukela ngoku ukusebenza kweemarike zentengiso kuqhubeke kunye neziqinisekiso ezikhulu zempumelelo kunye neempazamo ezimbalwa kwizicwangciso eziza kwenziwa. Apho ikhoyo khona ukuba ekupheleni konyaka ngamnye imali eseleyo kwiakhawunti yethu yokonga inamandla ngakumbi. Ngaphandle kwalo naliphi na ixesha sineengxaki ezinokuthi zingalunganga uhlahlo-lwabiwo mali lwasekhaya. Ewe kunjalo, ukubala kwimali encinci yokuhlawula kunye nokulawula iindleko zethu eziqhelekileyo.
Iingcebiso: ukunciphisa umda wokuthenga
Akufanele ube nezinye iindlela ezininzi kwipotifoliyo yakho yotyalo-mali kuba esi sicwangciso sinokudala ngaphezulu kwesinye xa kufikwa ekwenzeni ulondolozo lwakho lube nenzuzo. Kungcono kakhulu ukuba ujolise kwiimveliso ezimbalwa zemali kodwa une ukuqhubeka nokufunda ekusebenzeni. Ukuze ngale ndlela ubekwimeko engcono yokunyusa inzuzo kwimveliso yezemali ekhethiweyo. Akunyanzelekanga ukuba ufake iyantlukwano ngobundlongondlongo kuba kunokwenzeka ukuba ulahleke kuyo yonke intshukumo eyenziweyo.
Kwelinye icala, ungalibali ukusukela ngoku ukusebenzisa esi sicwangciso sotyalo-mali kunokuba lolona khetho lukhululekileyo kwimidla yakho. Oku kungenxa yokuba imbuyekezo enomdla kakhulu inokufezekiswa ngezindululo nje ezimbalwa. Ngokuchanekileyo ngenxa ye- ukulungiswa komsebenzi, zombini kwimarike yengeniso kunye ne-equity. Kodwa ngaphezulu kwako konke ngokusebenza okungcono kunezinye iimveliso zemali.
Fumana imbuyekezo eqinisekisiweyo
Olona khetho lucebisayo kukufumanisa ukuba iimveliso zezemali zikunika imbuyiselo emiselweyo kunye neqinisekileyo ngonyaka. Apho unokufumana khona buyisela kulondolozo malunga neepesenti ezintlanu. Omnye wale mizekelo uboniswa ziimali eziqinisekisiweyo zotyalo-mali. Ngokusebenzisa ipotifoliyo yotyalomali esekwe kuzo zonke iintlobo zeeasethi eziyimali. Kodwa ngokungafaniyo nezinye iimali zotyalo-mali, kule meko ivelisa umvuzo omncinci, nokuba kwenzeka ntoni kwiimarike zezemali.
Ngelixa kwelinye icala, kufuneka kuthathelwe ingqalelo ukuba iimveliso zengeniso esisigxina zibonelela ngolu phawu lukhethekileyo. Njengakwimeko yedipozithi yebhanki yexesha elimiselweyo, nangona inzala iphantsi kakhulu kunakuyo nayiphi na imeko ungagqithi kwi-1%. Ngoncedo lokuba ezi mveliso ungarhuma ngexabiso elifikelelekayo kakhulu kuyo yonke imizi. Ukusuka kwi-euro ezingama-500 ukubheka phambili kwaye ikhululwe ngokupheleleyo kwiikomishini nakwezinye iindleko kulawulo nakulondolozo lwayo.
Ubutyala kutyalo-mali
Alithandabuzeki elokuba le nto kufuneka ibe yenye yezona zinto ziphambili ngokubaluleka ukusukela ngoku. Ukuze ngale ndlela, ungaphuma kwizikhundla zabo nangaliphi na ixesha. Kwiimeko apho ufuna incam yemali ukuhlangabezana neendleko zobuqu okanye zobungcali. Kwelinye icala, esi sicwangciso sinokukunceda ukukhawulezisa inzuzo enokuvela kulo lonke utyalo-mali lwakho. Njengoko ivumela enkulu ukuhamba kwimveliso enye ukuya kwenye, Kuxhomekeka kwimeko ezintsha eziboniswe ziimarike zemali ezahlukeneyo.
Kuya kufuneka uyixabise into yokuba utywala Kwimveliso yezemali yinto esisiseko yokufezekisa iinjongo ezilandelelweyo kulo naluphi na uhlobo lotyalo-mali. Ngelixa kwelinye icala, sisicwangciso esisebenzayo sokutyala imali ukubonelela ngokuguquguquka okukhulu ekusebenzeni kwiimarike zengeniso ezinzileyo kunye nokwahluka. Ngeziphumo eziya kuthi ngokungathandabuzekiyo zibothuse abatyali mali abaninzi abathandabuzayo. Hayi ngenxa yenzuzo ebonelelwa yimisebenzi ngokwayo, kodwa kuba iya kuvula amathuba okubonelela ngobutyebi obungaphezulu kwiakhawunti yakho yokonga.
Zibekele ixesha elibekiweyo
Unaphakade kwimveliso eyahlukeneyo yemali yezi zinto ongafanele uzilibale xa usenza ipotifoliyo yakho yotyalo-mali. Ngokukodwa, ngenxa yayo ukuthembeka okuphezulu ukufezekisa iinjongo zotyalo-mali. Kuba kubaluleke kakhulu ukuba uzibekele iinjongo ezithile ekusebenzeni kwaye unamathele kule mihla ibekiweyo. Nokuba yeyiphi na, nokuba imfutshane, iphakathi okanye inde ngokuxhomekeke kwiprofayili yotyalomali oluncinci noluphakathi okhoyo ngamaxesha onke. Ewe kuyakunceda ukuba ube nempumelelo ngakumbi kwiintshukumo ezenziwa kwiimarike zezabelo.
Ngelixa kwelinye icala, ukusetyenziswa kwesi sicwangciso kutyalo-mali kuya kukubonelela ngokungabi naxhala ukuba amaxesha okusisigxina ajolise kwixesha elide. Ungayigcwalisa ngokuhambisa izabelo ezenziwa zezinye zeenkampani ezidweliswe kwiimarike zezabelo zelizwe lethu. Ngaphezulu kwembuyekezo enikezelwa ziimveliso zebhanki okanye izinto ezivela kwimali esisigxina.
Khetha izitokhwe ezikhulayo
Ewe kunjalo, ukukhetha isitokhwe kumacandelo anethemba elifanelekileyo lokukhula kulo nyaka ngumlinganiso olungileyo wokufezekisa iinjongo zakho kumacandelo otyalo-mali ahlukeneyo. Ukuba ufuna ubuchule obunamabhongo ngakumbi okanye nangakumbi, unokuya kukhangela uninzi lwezona zininzi wohlwaywa kwiminyaka edlulileyo. Zezona zinokubanakho ukuphinda ziphinde ziqwalaselwe kwaye kusenokwenzeka ukuba kwezinye iimeko bafikelele kumhlaba wabo ngokuhambelana namaxabiso abo. Apho baya kuba zezona ndlela zinenzuzo kuzo zonke iiprofayili zabatyali mali abancinci nabaphakathi.
Kwelinye icala, awungekhe ulibale nokuba kwezi zitokhwe Utyalomali ngqo kumaxesha amafutshane Inokuvelisa imbuyekezo eziye zibalasele ngokumangalisayo. Ngaphaya kweminye imiqathango kutyalo-mali oluza kuphathwa kwamanye amanqaku. Akumangalisi ukuba le nkqubo ivelise umngcipheko omncinci ukuba uyisebenzisa kwimeko ecacileyo, apho amaxabiso ekhula ngeveki. Logama oku kuqhubeka ungazigcina izikhundla ngaphandle komngcipheko walo naluphi na uhlobo.
Ukubonelela ngokuguquguquka ngakumbi
Alithandabuzeki elokuba ukubonelela ngokuguquguquka okukhulu kwizenzo zethu, apho, umzekelo, ayifanele ikhawulelwe ngokukodwa kwizabelo zeSpain, kodwa ukwandisa imisebenzi kwezinye iindawo zehlabathi ezibonisa inqanaba lokumema ukuba bathathe izikhundla. Isifundo sokuqala onokusifumana kwesi sicwangciso kukuba akufuneki uthintele ukuhamba kwakho kwiimarike zasekhaya kuphela. Ukuba kunjalo, ewe ungaphulukana namathuba oshishino kula maxesha.
Ngelixa kwelinye icala, le patheni yentshukumo akufuneki iphikisane nento oyifunayo ukhuseleko olukhulu lokonga. Ngokukodwa, ebusweni bemithombo enokubakho yokungazinzi kwezoqoqosho. Kwaye ekubeni iresiphi onayo ngaphezulu kukuqesha imali yotyalo-mali edibanisa umvuzo ohlukileyo kunye nengeniso esisigxina. Oko kukuthi, ukuze udibanise iiasethi zemali ezahlukileyo kwimveliso enye kwaye ngale ndlela ukwimeko yokugcina imali eninzi kwiikomishini nakwezinye iindleko kulawulo lwazo okanye kulondolozo.
Amathuba oshishino
Ewe kunjalo, ukonyusa ukuthengiswa kweakhawunti yethu yangoku, ngale ndlela, basebenzise amathuba aveliswayo kwiimarike zezemali. Hayi kuphela ngeendlela ezahlukeneyo zokulingana. Ukuba ayisiyiyo ingeniso emiselweyo kwaye ngaphandle kokulibala utyalomali oluqwalaselwe njengezinye iindlela Zeziphi ezizezona zilungele le profayili yotyalo-mali.
Njengomzekelo wenziwe ngeentsimbi ezixabisekileyo kwaye ngakumbi ngokukodwa ngegolide. Ngokwesiko kuthathelwa ingqalelo njengelungelo elikhuselekileyo lokujongana neyona meko imbi yeemarike zezabelo. Ukusuka kule ndawo yokujonga, ayizukuba ngumbono ombi ukuba uyama iinjongo ezingafikelelekiyo ngokugqithileyo, ukuzama ukuzizalisekisa ngezi zenzo.