Ukuba ungomnye wabanethamsanqa kwimzobo ka "Mntwana", Siyavuyisana nawe kuba uyakuba nemilinganiselo yokuphila ethe xhaxhe kunangoku. Ungade ukuhlawula amatyala obusenze kwisivumelwano phambi kwabantu besithathu. Ubukhulu becala ungatsho ukuba ubomi butshintshe ngokupheleleyo. Kodwa eyona nto ibaluleke kakhulu kukuba ngeli bhaso uya kuba nakho ukuqhubeka nokwandisa imali eyinkunzi ukusukela ngoku. Kubo uneefomula ezininzi ukwanelisa lo mnqweno ulindelwe kudala wokuvula unyaka omtsha.
Enye yeenzuzo oya kuba nazo kukuba awusayi kuphinda ubeke umngcipheko kwityala elitsha olizuzileyo ngethamsanqa kule raffle ikhethekileyo. Ayisiyi kuphela kwindlela engaphezulu okanye engaphantsi kwesiqhelo. Ukuba akunjalo ngokuchaseneyo ukusuka kwimibono emitsha kwicandelo lotyalo-mali. Ukuze ngale ndlela, ungaphinda kabini kwaye ngubani owaziyo ukuba uyiphindaphinde na imali oyifumeneyo ngetikiti lakho kwiLottery yeSizwe. Bayakufuna kuphela ukuba uzingise ekusebenziseni iindlela ezintsha nezintsha zotyalo-mali.
Ngexesha elimiselweyo eliya kuba umiselwe iinyanga ezilishumi elinambini ezizayo. Akubalulekanga ukuba unikele ngawo wonke umvuzo wexabiso olifumeneyo. Kungenxa yokuba into emalunga nayo, ngamafutshane, kukuba ngexeshana elincinci uyakutyeba kancinci kunangoku. Ewe ayizukuba ngumsebenzi ongenakwenzeka, njengoko uza kubona ukusuka ngoku kweli nqaku. Ngaba uzimisele ukuthatha olu tyalo-mali lutsha? Ewe, nikela ingqalelo encinci ukuze wamkele ezinye zezona zindululo ziphakanyisayo siza kuthi siziveze kuwe.
Tyala ibhaso lakho kwiziqinisekiso
Ukuba iinjongo zakho zinoburharha ngakumbi kunalezo bezisetiwe, ndiyavuyisana, kuba ujongene nenye yezona mveliso zezezimali zifanelekileyo ukufezekisa ezi njongo. Phakathi kwezinye izizathu kuba amandla aphezulu ibanzi kakhulu kunezinye iifom ejolise kutyalo mali. Ukuba uyawamkela lo mceli mngeni, ungathandabuzi ukuba ungafumana imbuyekezo kulondolozo lwakho ukuya kuthi ga kwiipesenti ezingama-50 okanye nangaphezulu kwipesenti ukuba ukuvela kwale mveliso yeyona nto yanelisayo kwimidla yakho.
Imvume kufuneka igcinwe kwiphothifoliyo yakho kude kube phelelwa. Ngale ndlela, umngcipheko uphezulu. Kungenxa yokuba ukuba izinto ezilindelweyo ziyafezekiswa, inzuzo enokuveliswa kwezi zikhundla iphezulu. Nangona ngenxa yezizathu ezifanayo ungashiya i-euro eninzi endleleni. Yimigaqo yomdlalo ebonelelwe yile mveliso inemali. Ukongeza, olunye uncedo lweziqinisekiso zokwenza ukuba ixabiso lalo mzobo libe yinzuzo kukuba unokuzibeka kumgangatho ophakamileyo nophantsi. Ngale ndlela, banika umnini wabo ilungelo, kodwa hayi uxanduva, lokuthenga (ukufowunela) okanye ukuthengisa (ukubeka) isixa esithile seasethi (isiseko seasethi) ngexabiso elimiselweyo (ixabiso lomsebenzi okanye ixabiso lesitrayikhi).
Khetha amaxabiso ashiyekileyo
Enye indlela yokwandisa ubulungisa bakho isekwe ekukhetheni loo maxabiso ashiyekileyo emva ngo-2017. Phakathi kwezinye izizathu, kuba ngokuqinisekileyo baya kuba nakho ukuphinda baqwalasele phezulu ukusukela ngoku. Elinye lamacandelo elifanela le projekthi yile zebhanki. Kunyaka ophelileyo ibineengxaki zolwakhiwo eziye zabonakaliswa kwixabiso lezabelo zalo. Oku kungatshintsha kakhulu kunyaka omtsha. Ukuya kwinqanaba lokuba inokuba lelinye lamacandelo anokukhokelela kwinzuzo kwizabelo zamazwe aseYurophu.
Ke ngoko, ukuba ungomnye wabaphumeleleyo kule raffle ekufuneka iqale unyaka we-2018, ngekhe woyike umngcipheko wokuba ukuvulwa kwezikhundla kweli candelo kuya kubandakanya. Ayothusi into yokuba kufuneka ufumane okungaphezulu kokulahleka. Kwelinye icala, unokuthembela kwingeniso emiselweyo kunye neqinisekisiweyo minyaka le emelwe zizabelo. Banikezela nge Umyinge wenzala ophakathi kwe-3% kunye ne-6%, Kuxhomekeke kwisindululo esikhethiweyo. Ngale ndlela, uya kuba kwimeko engcono yokukhusela umdla wakho kwimeko enokubakho kwimeko yentengiso yezezimali. Nokuba yeyiphi na, iya kuba yenye yeendlela onokuthi uzenze ukuze umntu ophumeleleyo we-XNUMX azuze inzuzo kwi-raffle yemveli "Niño".
Ingxowa-mali yokutshintsha esisiseko
Isindululo sokuqala sokubhiyozela ezi ndaba zimnandi iya kuba kukuqeshwa kwengxowa-mali edwelisiweyo, okanye i-ETF njengoko yaziwa ngcono, esekwe kwisinyithi esixabisekileyo njengesilivere. Kwenzeka ukuba yenye ye Uninzi lwee-asethi ezinamandla zemali ngalo mzuzu. Kwaye ngaphandle kwamathandabuzo iya kuba nakho ukukunika ngaphezulu kovuyo olunye ngexesha lomsebenzi omtsha. Nokuba uhlalutyo olunokubakho olukhulu kunolo lwegolide. Awunaloyiko olukhulu lokuba ekugqibeleni inguquko yayo iyafana okanye iyafana naleyo ivelisiweyo ukuza kuthi ga ngoku.
Lo ngumsebenzi onomdla kakhulu ukuba eyona nto uyifunayo kukwenza ibhaso lakho imali ngokukhawuleza. Akumangalisi ukuba ngumxube phakathi kweemali kunye nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya. Kodwa njengeyona nto iphambili ibonelela ngayo kuba unokukhetha iifomathi ezahlukeneyo zokonga ngokuxhomekeke kuyilo lwabaphathi. Kwelinye icala, ivumela i ulwahlulo olukhulu kutyalo mali njengoko lunokudityaniswa nezinye iiasethi zemali. Kuzo zombini eziguqukayo kunye nengeniso esisigxina. Okanye nakwezinye izindululo. Ukuze ngale ndlela, ikwazi ukumelana ngcono neemeko ezimbi zeemarike zezemali.
Yenza ibhaso lizuze nge-8%
Ukuba awufuni ukuzibeka emngciphekweni ogqithisileyo, unamaxabiso abawasasazayo Izabelo phakathi kwabanini zabelo Isithembiso esihle sokuqhubeka nokunyusa imali yakho ukusukela ngoku. Kuya kufuneka uvule kuphela izikhundla kwinkampani edwelisiweyo ebonelela ngeempawu ezizodwa. Iziphumo zayo eziphambili kukuba unyaka nonyaka uya kuba nengeniso eqinisekisiweyo. Okwangoku kukho amaxabiso anokuvelisa inzala ukuya kuthi ga kwi-8%. Ezinye zezindululo zimelwe ziinkampani zeIbex 35 ezinje ngeRepsol, iEnagás okanye iRed Eléctrica Española. Ngale ndlela, awuzukuveza nto kwisigqibo sakho kwaye uya kuba nakho ukuthatha ithuba lokuhlaziywa kwamaxabiso abo kwiimarike zezemali.
Ukuba uqhuba umsebenzi wokuthenga ngexabiso lama-100.000 euros emva kokuhlawulwa kwalo mvuzo, ibhalansi yebhaso lakho iya kunyuswa ukuya kuthi ga I-8.000 ye-euro eyongezelelweyo Inyanga qho. Ngenxalenye yenkqubo enokuthi ibe yonyaka, isemi-yonyaka okanye yekota. Enye yezinto onokukhetha kuzo ukwenza le mali ibe nenzuzo obungakhange ube nayo kude kube kutshanje. Ungasisebenzisa esi sicwangciso-qhinga ngokukhethekileyo kwixesha elijolise kwixesha eliphakathi nelide. Ke kancinci kancinci imeko yakho yezoqoqosho iyaphucuka kule raffle.
Utyalo-mali kwiimali ezibonakalayo
Kukho nezinye iimodeli ezinobundlongondlongo zokwenza ukuba esi sixa sithathwe ekungcakazeni kunenzuzo. Ngokusebenzisa iasethi yezemali eyimfashini ngoku phakathi kwabo bonke abatyali mali. Ayikho enye ngaphandle kwaziwayo Bitcoin. Ukunyuka kwayo kuye kwamangalisa ngokwenene kwaye kunqabile ukuba kubonwe kwiimarike zezemali. Akumangalisi ukuba yonke into ihambe kakuhle uyakuba kwindawo efanelekileyo yokuphinda kabini okanye neenzuzo zakho. Nangona ingxaki yabo enkulu yindlela abanokutyala ngayo kule mali yedatha. Kungenxa yokuba iindawo zabo zokuqesha zikhawulelwe kakhulu kunolunye utyalo-mali. Ukuza kuthi ga kwinqanaba lokuba kuya kufuneka uye kwimakethi yaseChicago kulapho uluhlu lweeasethi zezemali zamva nje zidwelisiweyo. Ewe, oomatshini bokuqesha bunzima ngakumbi kuba eyona nto ifanelekileyo kukuya kwimarike elawulwayo efana nekomkhulu laseOhio. Kodwa ukubuyisa ithemba lokuhlaziywa kwakhona liphezulu.
Ngaba i-bitcoin ayinakho ukuvelisa Inzuzo isondele kwi-700% kule minyaka yangoku. Kwaye ayimangalisi into yokuba uqhubeke ukulingisa ithamsanqa lakho ngale bhetri kwicandelo lotyalo-mali. Kuba phakathi kwezinye izizathu unokuba usondele kakhulu kunokuba ucinga ukuba ungusozigidi. Nangona kunjalo, akunakucetyiswa ukuba utyale yonke imali oyichukumisileyo kule mizobo yeeKumkani. Ukuba akunjalo ngokuchaseneyo, isixa esincinci ukusukela ukuba umvuzo unokuba yinzuzo kakhulu kulo lonke ulindelo ocinga ngalo ukusukela ngoku.
Ewe kunjalo zemali zizinto ekuqwalaselwa ngazo yinxalenye elungileyo yabatyali mali abancinci nabaphakathi. Ngale ndlela, awungekhe uliphose ithuba elikunika imali ephezulu kakhulu njengesiphumo sokuba ungomnye wabaphumeleleyo kolu raffle yemveli. Ukongeza, ayisosizathu sokuba ubhalise kwiimveliso eziqhelekileyo, ezo zobomi bakho bonke. Umzekelo, ifomathi yentengiso yefomathi yokuphakamisa enokuphakamisa umyinge wenzala osetyenzisiweyo.
Ukusuka kwesi sicwangciso-buchule uya kuba kwimeko yokufumana isivuno esikufutshane ne-2%. Ibhaso elongezelelekileyo lemali oyifumeneyo ngesishumi selotto yelizwe. Kwaye onokuthi unyuse ngalo ibhaso lemali olifumeneyo kolu raffleen yeKrisimesi.