Alithandabuzeki elokuba elona xesha linzima kutyalo-mali kuxa kufuneka uthengise izabelo zakho kwiimarike zezemali. Ukuya kwinqanaba lokuba ungathandabuzi nokuba ngowona mzuzu ulungileyo ukumisela ngokusesikweni ezi ntshukumo kwizabelo. Okanye ukuba, ngokuchaseneyo, kuya kuba luncedo kakhulu kwimidla yakho yokulinda iiveki ezimbalwa ukuze uhlehlise izikhundla. Ngayiphi na imeko, thengisa bolsa Ihlala ithanda ukwenza intloko engaqhelekanga njengoko ingumsebenzi obuthathaka kakhulu, ngenxa yeemeko ezahlukeneyo. Njengoko uya kuba nakho ukuqinisekisa kweli nqaku.
Eyona nto ibaluleke ngakumbi yokuthengisa izabelo ivela kwizikhundla zokuhamba kwakho. Kuba, enyanisweni, ayizukufana into yokuba uzuze ngokucacileyo kwimali eyinkunzi kunokuba uqokelele ilahleko enzima okoko kuthengwe izabelo. Kuba iqhinga lotyalo mali ekufuneka ulisebenzise kwimeko nganye liya kuba eyahlukileyo ngokupheleleyo. Kukulungele ukuba uyithathele ingqalelo ukusukela ngoku ukuya phambili ukuba awufuni ukwenza iimpazamo ezizodwa. Kwaye unokuzisola emva kweeyure ezimbalwa.
Ukuthengisa izitokhwe kwiimarike zemali akukho lula okanye ngqo. Ukwenza njalo, kuya kufuneka ungenise uthotho lweenjongo kwiindlela zakho kwasekuqaleni. Ngaphandle kwakho, awuyi kuba nemigca yokwenza khusela umdla wakho njengomtyalomali omncinci nophakathi okuyo. Ukuya kwinqanaba lokuba esi iya kuba sisicwangciso-qhinga sakho esiphambili. Iya kukunceda, ingaphelelanga ekwenzeni ulondolozo lwakho lube nenzuzo, kodwa okona kubaluleke kakhulu, kukubakhusela ngokufanelekileyo nangokuzimisela.
Ukuthengisa kwintengiso yesitokhwe: izinto ezinefuthe
Ewe izinto ezininzi zinokuhamba ngentloko yakho ngaphambi kokwenza intengiso kwiimarike zezemali. Okokuqala, ukuba lixesha elifanelekileyo lokwenza ngalo mzuzu kanye. Ngaba uyafuna ukwazi izizathu? Ewe, ukusebenzisa i-Anglo-Saxon ethi "thengisa ngo-may uhambe" ungafikelela kwisigqibo esichanekileyo. Kungenxa yokuba oko kuthetha ukuba inxenye enkulu yokwanda konyaka sele iphunyeziwe. Kwaye kuya kufuneka linda de uphele unyaka ukuthatha ithuba lolunye ukwanda kwamandla afanayo. Ngokukodwa, ezo zithathwe kwirali ekupheleni konyaka.
Eli lizwi alinakuhlala liyinyani. Kodwa nangayiphi na imeko, siqala ixesha lonyaka elingathandekiyo ngokuthatha izikhundla kwiimarike zezabelo. Njengoko kubonisiwe kwiminyaka yakutshanje. Ke Ubulumko kufuneka ibe yeyona nto iphambili kwizenzo zakho. Ngaphezulu kwezinye iintlobo zokuxabisa kwaye zibaluleke kangakanani. Ungakulibali ukuba awufuni ukwenza impazamo enkulu. Kuba ungahlawula kakhulu ngexabiso lokuncipha kwepotifoliyo yakho.
Ewe, ukuba ukudinwa kuthatha amanye amaxabiso onawo kwiphothifoliyo yakho, iya kuba ngumzuzu oqinisekileyo wokuba utshintshe isicwangciso sakho. Kuba ngokwenyani, awuzukukhetha ngaphandle kokuyihlengahlengisa ukuphucula izikhundla zakho kwii-equities ukusukela ngoku.
Ukungabinaso isicwangciso esichaziweyo
Enye into enokuthi incam intsalela yokuphuhlisa intsebenzo esekwe kwintengiso engaphelelanga okanye iyonke ukungabinaso isicwangciso esichaziweyo. Nokuba uzuze imali kwiipotifoliyo zezokhuseleko, ukuba awuzichazanga iinjongo zakho, iya kuba sisizathu esifanelekileyo sokuphuma kwiimarike zezemali. Ukuze ngale ndlela, ukonwabele izibonelelo eziveliswe ngayo nantoni na oyifunayo. Ukusuka ekuhlawuleni uhambo nabahlobo bakho ukuya ekwaneliseni i-whim yakho encinci. Kungalixesha lokuba uqwalasele ezi zenzo.
Kwaye awunakulibala ukuba ukunqongophala kwenkcazo kwiinjongo kunokuba sisilumkiso malunga nokuba kungenzeka ntoni kuwe. Ujongene notshintsho lomkhwa ongalindelekanga kwiimarike ze-equity. Ayothusi into yokuba izinto ezininzi zinokwenzeka kwaye ayizizo zonke ezilungileyo. Ukuphuculwa kuya kudala kuphela iingxaki kuwe ukusukela ngoku. Ke ngoko, akufuneki ukhawulezise ukusebenza. Kuba, enyanisweni unokwenzeka into ongayilindelanga kwaye uphulukane nenxalenye yeeasethi zakho zobuqu.
Ukuthintela zonke ezi ngxaki, awuzukukhetha ngaphandle kokungenisa umgca wentshukumo ochazwe kakuhle. Kwaye kunjalo ilungelelaniswe kwiprofayili oyivelisayo njengomtyali mali ophakathi kunye nomncinci. Iya kuba yeyona ndlela imfutshane ilula onokuyithatha ukufezekisa iinjongo zakho. Ngaphezulu kwezinye izinto eziqwalaselweyo ukusuka kwindawo yokujonga uhlalutyo lobugcisa. Kuya kufuneka ubenentando yokuyenza ngokuzimisela.
Phanda ubume bezokhuseleko
Kungenzeka ukuba nangona ukuthengisa kwakho kukhula, akufani ngenzuzo yakho. Kwaye ukuthunyelwa okulandelayo kweeakhawunti zakho kunokubangela ukuthengisa. Ngomngcipheko wokuba le nto inokuvelisa kulondolozo lwakho. Eyona ndlela yokuthintela le meko iyingozi kukusebenzisa uqikelelo lwesiteyitimenti sengeniso yakho. Ayothusi into yokuba unolwazi olwaneleyo lokwenza le misebenzi. Ukuba kunjalo, kungangcono ukuba uphume kwiimarike ze-equity ulinde amathuba amashishini angcono kwiinyanga ezizayo.
Uqikelelo kwizabelo zamashishini ezingenanzala emisiweyo luvelisa inzuzo eninzi. Ngale ndlela, kuyacetyiswa kakhulu ukuba ulindele ukuphucula imeko yokwenyani yeakhawunti yakho yezokhuseleko. Ngokuqinisekileyo uya kuba nakho ukuqokelela lonke ulwazi malunga nemeko yeenkampani apho ufuna ukutyala imali oyigcinileyo ukusukela ngoku. Kuya kufuneka unikezele kuphela ixesha lakho, kodwa ngesiqinisekiso sokuba iya kuba yinto eya kufaneleka. Ngokukodwa xa usenza ukuthengisa ngokusemthethweni kwiimarike zemali.
Kutshintsho lwendlela
Ngaphandle kwamathandabuzo, utshintsho kumkhondo kukhuseleko okanye kwi-indices zesitokhwe iya kuba luphawu olucacileyo lwe rhoxisa izikhundla ngokukhawuleza. Nokuba sithini na isimo sokwenene sotyalomali lwakho. Phakathi kwezinye izizathu, kuba kwiintsuku ezimbalwa ezizayo ixabiso lezabelo zakho liza kuhla. Nokuba ngalamzuzu ungoyena ulahlekileyo. Kuhlala kungcono ukuhlehlisa isikhundla kunye nabambalwa kangangoko. Kungenxa yokuba banokwanda, nangakumbi ngogonyamelo kunokuba bekulindelwe.
Ukuba uza kuhlala ixesha elide, unecebo elithe kratya. Ayikho enye ngaphandle yenza intengiso ngokuthe ngqo xa utshintsho kutyekelo lwenzeka ekugqibeleni. Yinto abatyali mali abanamava ngakumbi kwiimarike zezemali abayenzayo. Kwelinye icala, ugcina izikhundla zakho kwisitokhwe. Kwaye kwelinye icala, bayakwazi ukuba nokuhlawula amatyala kwiakhawunti yabo yokujonga xa ezona meko zibi zamasheya zifika. Akumangalisi ukuba, sisenzo esiphakathi. Ngaphezulu kwayo yonke loo nto, zama ukukhusela umdla wakho ngaphezulu kolunye uxabiso olubaluleke kakhulu.
Utshintsho lomkhwa kufuneka lube ngamashishini njengamathuba eshishini. Ewe bakhonza ugqithisele utyalo-mali lwakho kwezinye ii-asethi eziyimali. Iya kuba yeyona nto iphambili yokutshintsha isicwangciso-qhinga sakho sotyalo-mali kwaye uguqule isikhundla sakho. Ukuya kwinqanaba lokuba ungancika kolunye uthotho lweemveliso zemali. Ukusuka kwingxowa-mali yotyalo-mali ukuya kwezona zinobunkunkqele njengeziqinisekiso, ukuthengisa ngetyala, kwaye kwiimeko ezithile kunye nokuphuma okanye ukhetho lwexesha elizayo.
Kufuneka wenze ntoni xa kungabikho mali?
Enye yeengxaki ezinkulu kubatyali zimali abancinci nabaphakathi kukuhlangabezana neemfuno zabo zokuhlawula amatyala. Ukuhlangabezana neendleko zakho, uxanduva lwerhafu, isikolo sabantwana kunye nezinye iindleko ezingalindelekanga. Ukuthintela iingxaki ekuhlaleni kwipotifoliyo yakho, akukho nto ingcono kunokutyala kuphela imali leyo ongayi kuyidinga iminyaka emininzi. Okanye uyasilela yinxalenye yenkunzi kuphela emiselwe ukuthengiswa kwintengiso yesitokhwe. Ngale nkqubo uza kuba kwimeko engcono yokulungisa okanye yokunciphisa iingxaki zakho zemali.
Kuba ngokwenyani, akukho mntu unokukwenza ukuba utyale imali yakho kwiziphumo zezabelo. Hayi kangako, kuba nasiphi na isiganeko semali sinokubangela owona mzuzu ungalindelekanga. Makungabikho naphantsi kwazo naziphi na iimeko gcina ibhalansi yakho yokujonga iphantsi. Kuya kufuneka usoloko ulindele inkcitho oza kuba nayo kwiinyanga ezizayo. Zininzi kwaye zahlukile ngokwendalo. Ngayiphi na imeko, kuya kufuneka uwahlalutye ukuveza isixa onokuthi usabele kwilizwe lemali.
Ukusuka kule meko ngokubanzi, akufuneki ube ndlongondlongo kwiindlela zakho zotyalo-mali. Ayothusi into yokuba ucwangciso oluhle luya kuba sisiqinisekiso esihle sokusebenza kwemali. Ngokuqinisekileyo uya kudibana nomntu osondeleyo kuwe otyale yonke imali yakhe. Ingxaki enkulu eya kubazisela ngaphezulu kwesiphumo esinye esibi. Kuya kufuneka ufunde kwezi meko kwaye ungaziphindi kuwe. Sesinye sezifundo ofanele ukuzifunda kwimarike yemasheya.
Kuya kufuneka ukhumbule ukuba kukho iimveliso zebhanki kunye nezemali ezifikeleleka kakhulu kuwo onke amakhaya. Ukusuka kwimirhumo yemali evela kwi-1.000 euro. Ezifana neengxowa-mali zotyalo-mali okanye iidipozithi zexesha elidityaniswe kwimarike yemasheya. Mhlawumbi sisisombululo ukuze ungabinangxaki kuhlahlo-lwabiwo mali lwakho ukusukela ngoku. Kwaye unokwenza nembuyekezo enomdla kwimali oyigcinileyo. Ungalibali ukuba awufuni ukwenza iimpazamo kulawulo lwemali yakho. Ukuya kwinqanaba lokuba yenye yezona ngxaki zinkulu abatyali mali abancinci abanazo.