Izitshixo ezi-6 zokwahlula ngokuchanekileyo utyalomali

ukwahlukaEwe, elona cebo lililo lokukhusela ulondolozo lwethu lusekwe kutyalo-mali olwahlulayo. Kodwa ayinakwenziwa nangayiphi na indlela, kodwa nge izicwangciso ezichanekileyo Kwipotfoliyo yotyalo-mali abaza kuyakha abatyali mali kwiinyanga ezimbalwa ezizayo. Ngaphezulu kwayo yonke loo nto, kufuneka ilungelelaniswe kuba yenye yeendlela zokuphepha nayiphi na uhlobo lweempazamo ohlwaya ukonga kwethu ngendlela engeyomfuneko nengavakaliyo.

Kwelinye icala, indlela echanekileyo yokwahlulahlula imali isekwe ayikhawulelwanga kwi-asethi enye yemali. Endaweni yoko, ezinye iindlela kufuneka zivuleleke kwezinye iindlela, kokubini kwingeniso esisigxina nakwezinye iimarike zezemali (imali, izinto zokwenza imveliso, izinyithi ezixabisekileyo, njl. Kuba umalunga nokuphela kosuku ayikokugxininisa zonke iiasethi kubhasikidi enye. Le yimpazamo enkulu enokuba neziphumo ezibi kukujonga ibhalansi yeakhawunti.

Ukongeza, inyani yokwahlulahlula utyalo-mali ithwala olunye uthotho lwezibonelelo ezongezelelweyo. Enye yazo kukuba iya kuvelisa eyona meko ilungileyo kulo naluphi na uhlobo lwemeko. Ayisiyiyo kuphela ukutyala imali kumaxesha okwandisa, kodwa nakwezo zinzima kwiimarike zezemali. Ngenxa yokuba esinye sezibonelelo zotyalo-mali olwahlukeneyo kukuba ivumela ngokutsha iphothifoliyo yethu amaxesha amaninzi njengoko sifuna. Kuxhomekeke kwimeko yokwenyani yeemarike zezemali. Ekugqibeleni, imalunga nolawulo olusebenzayo lwemali yethu kwaye ayimi ndawonye njengaleyo ikhuthazwa ngabatyali mali abanamava amancinci kwiimarike zezemali.

Ukwahluka: iiasethi ezingaphezulu kwemali

asethi Ngaphandle kwamathandabuzo, esinye sezitshixo ekuphumezeni le njongo inqwenelekayo kukuba Khetha ezona asethi zibalaseleyo zemali mzuzu ngamnye. Ewe kunjalo, akufuneki sigxile kwinto enye ukusukela ngoko siyakuthi siphucule impazamo yethu kuloo maxesha kanye. Elinye lawona macebo asebenzayo kukudibanisa i-equity kunye ne-asethi yengeniso engagungqiyo kunye nezinye izinto, ngemali idlala indima ebaluleke ngakumbi ekwenzeni izikhundla ezivulekileyo zangoku zibe yinzuzo.

Ukongeza, yenye yeendlela ezilula ekufuneka ukhusele imali oyityalileyo. Kuba iiasethi ezahlukileyo zemali ziya kusebenza waqhekeza kwizimo ezingathandekiyo kwiimarike zezemali. Ngobuchule bokuba nokufumana inzuzo enkulu kwenye yezi meko zinzima kakhulu kwimidla yakho ngokunxulumene nehlabathi lemali. Omnye wale mizekelo uboniswa yinto ekuthiwa yeyokuxuba imali. Apho zivulekileyo ngeendlela ezahlukeneyo zokulawula iiasethi zomsebenzisi. Uninzi lwazo luyenza.

Vula iinketho ezintsha

ukhetho Ukwahlula-hlula utyalo-mali awuzukukhetha ngaphandle kokuba bhetyebhetye ngakumbi ngokunxulumene neeasethi zemali ezikhethiweyo. Kuya kufuneka ugcine phantse zonke engqondweni. Ukusuka kwiibhondi zesizwe zesintu ukuya kwezona zinobunkunkqele, ezinjengotyalo-mali kwioyile. Ukuze ngale ndlela, usebenzise onke amathuba oshishino azakuzibonakalisa kuwo ukusukela ngoku. Oko kukuthi, okuchasene ngokupheleleyo nokuhlala umile kwaye ekuphela kwento enokukuvelisa kukuba ungene nzulu kwilahleko zakho kwiimeko ezincinci ezithandekayo zeasethi yezemali.

Kwelinye icala, elinye lamaqhosha okwenza le nkqubo-mali ikhethekileyo isekwe ekukhetheni ulawulo oluguquguqukayo. Apho ukwiimeko ezilungileyo zokunyusa ngokuthe ngcembe imeko yeakhawunti yakho yokutshekisha. Akumangalisi ukuba inokuthi iguqulwe nangaliphi na ixesha kuzo zonke iimeko zoqoqosho kwiimarike zezemali. Nangona oku, awuzukufumana sisisombululo ngaphandle koku yazi kakhulu ngayo yonke into eyenzekayo kuqoqosho lwamanye amazwe. Ukutshintsha okanye ukwenza ipotifoliyo yakho yotyalo-mali kuxhomekeke kwimeko nganye. Ngale ndlela, awunakukhathalela malunga nemigaqo esisigxina kuba eyona nto ibalulekileyo kukulandela ezona asethi zibalaseleyo.

Ngebhasikithi yezabelo

Ukuba imakethi ekhethiweyo ukuphuhlisa utyalo-mali lwakho yeyokulingana, uya kuba nesicwangciso esiya kuthi siphucule iziphumo zakho ukusukela ngoku. Ayisiyonto ngaphandle kokuncika kwingobozi yesitokhwe endaweni yexabiso elinye lemarike yesitokhwe okanye kwimeko ezifanelekileyo. Kodwa ngenxa yamaxabiso ayancedisana ngokwenene ngendlela efanelekileyo. Oko kukuthi, abanakho ukucebisa ngesigqibo sakho sokuthenga izabelo kwiibhanki ezimbini okanye ezintathu. Kuba ukuba uyayenza le nto uyakube wenze impazamo enkulu. Kwaye baya kuba nakho nzulu ukusika ukuba eli candelo ligxunyekwe kwinkqubo ye-bearish ngamandla amakhulu.

Kungcono ukujonga amacandelo ebhegi azalanayo ngokuchanekileyo. Ukukhetha iphothifoliyo efanayo yotyalo-mali kwizitokhwe ezicetywayo ngokwahlukileyo kunaleyo evela kumandla, ulwakhiwo, itekhnoloji entsha kunye nakwicandelo lokutya. Ukuze ukhusele izikhundla zakho ngendlela efanelekileyo kulo naluphi na uhlobo lwendlela. Ewe awuyi kuba nelahleko onokuyihlakulela ukusuka kwisindululo esinye okanye ezibini zokulingana. Yinto oza kuyifunda kancinci kancinci ngokuhamba kwemisebenzi oyibeka ngokusesikweni kula maxesha achanekileyo.

Yizalise kunye nezinye iimveliso

Kuya kuba luncedo kakhulu xa uxuba olu lutyalo-mali olusulungekileyo nolunzima neemveliso zebhanki eziqhelekileyo. Njengokudipozitha ixesha, amanqaku ezithembiso zebhanki okanye iiakhawunti ezihlawula kakhulu. Awunakulibala ukuba ezi modeli zokonga zingumthombo wenzuzo phantse kuzo zonke iimeko. Kuyinyani ukuba iya kuba ncinci kakhulu, kodwa ubuncinci iya kukunceda ukuba ungangeni kumanani abomvu. Iziphumo eziluncedo kakhulu kulo lonke utyalomali. Ukuqesha kwakho kuya kuvelisa inzala malunga ne-1%. Kodwa ukuyiqinisekisa minyaka le ngaphandle komngcipheko wokwenyani kwizikhundla ezivulekileyo kwinxalenye yakho.

Ipesenti yotyalo-mali Iya kugqitywa yiprofayile oyivelisayo njengomtyalomali omncinci nophakathi. Ngenxa yokuba, ayizukufana nomtyali-mali onobukrakra kunenye apho ukhuseleko lukhona ngaphezulu kwezinye izinto zobuchwephesha kunye nezisisiseko. Nguwe oya kukhetha ukuba uza kwabela malini kwimveliso nganye eyinjongo yale misebenzi. Apho urhulumente oboniswe zii-asethi zemali ezahlukileyo uya kufaneleka kakhulu. Ungagcina nemali encinci ukuze usebenzise amathuba eshishini aya kuvela nangaliphi na ixesha.

Yiya kwezinye iimarike zesitokhwe

idonga isitalato Alithandabuzeki elokuba ukujikeleza kwemali yakho Kuya kufuneka ukuba ihlangane nesi sihloko sibalulekileyo. Akufanele ulibale ukuba ukumisa kwisalathiso esikhethiweyo okanye kwindawo yejografi kunokuba yimpazamo enkulu enokuhlawula kakhulu ukusukela ngoku. Kuya kufuneka uye apho imali yogcino olukhulu iya khona kwaye rhoqo kwaye kwangaxeshanye ufunde. Apho owona mzuzu mibi uya kubakho xa kufuneka ushiye imarike yengeniso eyahlukileyo uye kwelinye elibonisa imeko yezobuchwephesha. Oko kukuthi, ngokudibanisa ngokupheleleyo.

Kule meko, sesinye isicwangciso sotyalo-mali esisetyenziswa ngabasebenzisi ababonelela ngamava amakhulu kwimisebenzi eyenziweyo. Bayalazi ixesha lokuphuma kwaye ijolise phi igalelo lakho lezemali, lelinye lawona macandelo anzima kolu hlobo lotyalo-mali. Kungenxa yokuba, phakathi kwezinto, iya kufuna ukuthengwa okugqwesileyo. Kodwa kunye nokuthengisa. Apha kulapho isitshixo sempumelelo saba batyali mali kwaye bayayazi indlela yokwahlula imali yabo nangaliphi na ixesha nakwiimarike zemali.

Ukuhlaziywa kwexesha

Enye yeendlela ezisetyenzisiweyo yile isekwe ekuhambeni ukutshintsha kunye nokuhlaziya utyalomali lwakho rhoqo rhoqo. Njengomzekelo, phakathi kwesinye ukuya kathathu ngonyaka. Iya kukunika ubhetyebhetye obaneleyo bokuziqhelanisa nazo zonke iimeko ezinokubakho. Ukusuka kwezona zinabileyo ngokudibeneyo ukuya kwezinye apho ukusikwa kungumlinganiso oqhelekileyo weeasethi zemali. Ayibalulekanga ukuba uyisebenzise ekuthengeni nasekuthengiseni izabelo. Kodwa ngokuchaseneyo, iya kuba luncedo kakhulu kutyalo-mali, kuluhlu okanye kwezona mveliso zinochuku.

Kuya kufuneka ususe kwiphothifoliyo yakho olo tyalomali lungakhange luziphathe ngendlela obulindele ngayo ekuqaleni. Ukuzifaka endaweni yazo zibonisa ezinye ephezulu ephezulu enokubakho. Okanye ubuncinci bathengisa phantsi kokuphakama okunzulu kwixesha elifutshane neliphakathi. Ngale ndlela, inzuzo yotyalo-mali lwakho iya kunyuka, ukuba ayiphawuleki, ukuba akunjalo, ukuze ungalahli mali ngayo. Kodwa phantsi kohlalutyo olunonopheleyo lweemarike zezemali.

Kuba kwezinye iimeko ezinye izindululo ziya kusebenza kwaye kwezinye ezinye. Akumangalisi ukuba enye yeenzuzo ezinkulu zotyalo-mali kukuba unokukhetha phakathi kweemveliso ezahlukeneyo zemali. Uninzi ngakumbi kunokuba unokucinga kwasekuqaleni. Kodwa soloko uguqula igalelo lakho lezemali. Ungalibali kwaye uya kufumana izibonelelo ezininzi ukusukela ngoku.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
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