Zeziphi ezona mveliso zifanelekileyo kuxhomekeke kwiprofayili?

iprofayili

Phambi kokuba utyale imali oyigcinileyo kuya kufuneka uchaze ukuba yeyiphi iprofayili oyibonisayo njengomtyali mali omncinci nongumlamli. Iya kuthatha isigqibo sokudibana nayo Ukuchaneka okukhulu imisebenzi yakho kwiimarike zezabelo. Iya kuba yinto ebangela ukuba ukhethe enye okanye enye imveliso yemali. Kuba, enyanisweni, ayizizo zonke ezinconyelwayo ngenxa yeempawu ozenzayo. Zininzi iimodeli zotyalo-mali kwimarike, kodwa ayizizo zonke ezifanelekileyo kakhulu kwindlela onxibelelana ngayo nehlabathi lemali. Kungoko kuphela apho uya kufumana impumelelo kwiintshukumo ozenzayo.

Nje ukuba iprofayile ichazwe, iya kuba lixesha lokutyala imali kuyilo olulungele indlela yakho yokucinga. Ukuthathela ingqalelo ukukhula, ukusikelwa umda kwaye ngokuqinisekileyo inkunzi onayo yokwenza imisebenzi ibe yinzuzo. Ngale ndlela, uya kuba lula ngakumbi Yila iqhinga lakho lotyalo-mali sijonge phambili kwiinyanga ezimbalwa ezizayo. Nokuba ukhuselwe ngakumbi kwiiasethi zakho. Naliphi na ixabiso olibonisayo.

Elinye lawona macebo asebenzayo onokulisebenzisa lelo lixhomekeke ekuhlengahlengiseni iimfuno zakho. Ungakufezekisa oku ngokuthi ungatyali imali ngaphaya kwamandla akho. Elinye lamaqhosha okufumana eyona mbuyekezo ibalaseleyo kulondolozo. Ukongeza, ukudibanisa ngokwe Inkcubeko yezemali into oyincedayo. Ukuba, umzekelo, awubuqondi ubuchwephesha beziqinisekiso, eyona nto unokuyenza kukungabikho kwizikhundla zokuvula. Ukukhetha ezinye izindululo ezaziwa ngcono kwaye unokuba namava kuzo.

IProfayili: uninzi lwabatyali mali

abathelekeleli

Ukuba kukho iprofayili yotyalo-mali ehlala itsala umdla, ayisiyonto yimbi ngaphandle kwabaqikeleli. Zama uku yenza imisebenzi yakho ibe yinzuzo ngokukhawuleza nangaphezulu kwezinye izinto eziqwalaselweyo. Ayinamsebenzi ukuba bayayisebenzisa amaxabiso angaqhelekanga, kodwa njengoko ziguquguquka ngakumbi, kulunge ngakumbi kwimidla yazo. Kungenxa yezi zizathu ukuba banyulwe, hayi kuphela amaxabiso athile ezi mpawu. Kodwa nakwimveliso yezemali ephucukileyo. Ukusuka kweli nqanaba kukho iimodeli ezininzi ezinokubamela ukusukela ngoku.

Iziqinisekiso: yenye yeefomathi zakho ozithandayo ngenxa yokuntsokotha kwezikhundla zayo. Ayothusi into yokuba kulapho banokufumana khona eyona mbuyekezo iphezulu. Ngaphezulu kotyalo-mali oluqhelekileyo kwiimarike zezabelo. Nangona ngenxa yezizathu ezifanayo, kufanelekile ukuba ube nokumangaliswa okungaphezulu kwesinye. Ngomngcipheko wokuba ungashiya i-euro ezininzi kwiimarike zezemali endleleni. Ngaphezulu kokuba unokucinga.

Ukuthengisa ngetyala: Enye imveliso enomdla kakhulu efuna ukuba ube namava amaninzi kwiimarike. Olona phawu luphambili kukuba uyazuza kwizikhundla ze-bearish kwimarike yemasheya. Ngale ndlela, usesimweni esipheleleyo sokutyala imali oyigcinileyo kwezona meko zingathandekiyo onokuzifumana. Ingeniso ayinamkhawulo, kodwa ikwahlala nomngcipheko ofihlakeleyo. Ukusukela ngoku uvula izikhundla kuyo nayiphi na iaseti yezemali. Nokuba yeyiphi na indlela, kufuneka uzithembe kakhulu malunga nendlela ezihamba ngayo iimarike zezemali.

Iimveliso eziphantsi kwabatyali mali abaphakathi

Zivulelekile kuwo onke amathuba. Esinye sezibonelelo zokuba kweli qela labatyali mali abancinci nabaphakathi. Ayothusi into yokuba ungatyala imali kuzo zonke iimarike. Ngethuba nje beyamkela imisebenzi yakho. Ukusuka kwiidipozithi zexesha kwezinye zezi zikhankanywe ngasentla. Ukuba uvela kweli qela, Siyavuyisana, kuba uya kuba nesindululo esingaphezulu kwesinye sokufumana ulondolozo lweeasethi zakho.

Kukho nawuphi na, iimali ezixhasayo kunye nenye yeemodeli zakhe ezizithandayo. Ngokukodwa ngenxa yeentlobo ezahlukeneyo zeefomathi abanazo. Iyakwenza ukuba ukwazi ukutyala imali kumvuzo ozinzileyo okanye ongafaniyo. Nokuba ukhetha ezinye iifomathi okanye ubuncinci kungenjalo ziqhelekile. Yimeko ethile ye- Ii-STD.

Ngenxa yezi mpawu, ayothusi into yokuba ezi profayili zikhetha ukudibanisa iimveliso ezininzi ngaxeshanye. Sisicwangciso esilixa-mali kutyalo-mali esinokuthi sivelise iziphumo ezicebisayo kwimidla yakho. Ukongeza, iya kuba yifomula echanekileyo khusela ukukhangela ibhalansi yeakhawunti. Ke, ungadibanisa kwangelo xesha linye, ukusuka kwingxowa mali yotyalo-mali egcinakalayo ukuya kutyalomali olunobulungisa ngakumbi. Nangona awunakukhetha ngaphandle kokulandela ngokukodwa kwizikhundla zakho. Kwimeko apho bafuna ukwahluka kwipotifoliyo yezokhuseleko.

Abona bagcini bagcinakeleyo

ulondolozo

Liqela elithile elimelwe ikakhulu ngabasebenzisi abadala. Ngaphezulu kweminyaka engama-50, apho abantu abadla umhlala-phantsi benesisindo esithile. Bazama ukwandisa utyalo-mali lwabo ngokungathi yingxowa yokonga imali. Kwizihlandlo ezininzi kwimo yeklasikhi yemidlalo yakhe. Kungenxa yoko le nto bekhetha iidiphozithi, amanqaku ezithembiso zebhanki okanye ngamanye amaxesha ingxowa-mali yengeniso esisigxina. Okanye nakwezemali kwezona meko zinokuzikhusela ezinokufunyanwa.

Kunqabile, ngokuchaseneyo, ukuba ukubonakaliswa kwabo kwii-equities kuhlala kunjalo. Kwaye xa besenza, bahlala benendawo yokusabela okanye amaxabiso angaphezulu okulondolozayo kwiindawo zabo. Banenye yezona zikhuthazo ziphambili kwisahlulo. Ukuba nengeniso emiselweyo minyaka le ngaphakathi kokungafaniyo. Ngengeniso yonyaka kwaye ndiqinisekile ukuba Ungasondela kumqobo we-7%. Ngamanye amagama, ukubuya okunesisa ngakumbi kunoko kuveliswe yimveliso zebhanki. Apho kunqabile ukuba baphucule inqanaba le-1%.

Abona batyalo-mali bazikhuselayo kwiimarike zezemali kunqabile ukuba babonise ukonga kwabo kwiimveliso ezinzima ngokuqinisekileyo. Abazami nokuvula naluphi na uhlobo lomsebenzi. Bakhetha ukhuseleko lweeasethi zabo nakweyiphi na imbuyekezo enokuthi iveliswe kwiimveliso ezahlukeneyo abanokukhetha kuzo nakweyiphi na imeko. Ukungaqiniseki yinto eqhelekileyo kuzo zonke izenzo zabo. Ngamanye amaxesha ngendlela ephantse ibe nguzwilakhe. Nokuba yeyiphi na imali eyinikeleyo kule mi sebenzi.

Akukho nkcazo kwiprofayili yakho

akukho profayile

Kananjalo asinakulibala abo batyalomali abangachongwanga kwiprofayili yabo njengomtyalomali omncinci okanye ophakathi. Kulungile kuba awuzange utyale imali yakho kwiimarike zezemali. Okanye kuba eyakho imeko yezoqoqosho itshintshile. Ngenxa yelifa, ukunyusa umvuzo okanye nokuba ubabalwe ngebhaso elikhulu kwimidlalo yeentyatyambo yeorenji. Ewe, kwezi ingakumbi azizukubakho ulwazi ngendima oya kuyiphuhlisa ukusuka kula mathuba njengomtyali mali omtsha.

Kule meko, kwelinye icala rhoqo rhoqo ngeli xesha, eyona nto icetyiswayo kukuba uqhubeke nokukhokelwa ziimveliso ezikwenze kakuhle kakhulu ukuza kuthi ga ngoku. Akunyanzelekanga ukuba utshintshe kwaye kuncinci kakhulu kwaye mhlawumbi kuyothusa noko. Kuya kufuneka utshintshe isicwangciso-qhinga sakho sotyalo-mali phantsi kweemali ezingaphezulu kakhulu. Ukuba kunokwenzeka, ucebise kwibhanki yakho okanye kwiingcali ezinamava abanzi kulawulo lwenkunzi.

Ngayiphi na imeko, imarike yemasheya kufuneka ibe sisiseko sotyalo-mali lwakho. Nokuba ku ezahlukeneyo imali oyigcinileyo kwibhaskithi yesitokhwe. Endaweni yokubeka yonke imali kukhuseleko olunye okanye kwi-asethi yezemali. Ngamafutshane, iya kuba sesinye sezitshixo eziphambili ukuze ubesendaweni efanelekileyo yokukhusela iminikelo etyalwe ngelo xesha. Inokuncedwa kukhetho olunobulumko kwezokhuseleko oluya kwenza iphothifoliyo yakho.

Izenzo zabatyalomali

  1. Zifanele zincitshiswe kuphela kwiprofayili yakho ngaphandle kokuhlasela amanye amacandelo ayizizo ezabo. Akunqweneleki nokuba uzame ukwenza ulingelo olungaqhelekanga kwimali yakho. Ingeniso eguqukayo ayisiyiyo le ntshukumo i-atypical.
  2. Akunyanzelekanga ukuba babekelwe umda kwimveliso enye yemali. Njengoko sele sichazile, kwiprofayili nganye yotyalo-mali kukho amandla iimodeli ezahlukeneyo zokutyala Kuzo zonke iintlobo zeeasethi eziyimali. Banokuzenzela ukhetho.
  3. La amava ibaluleke kakhulu. Ukusuka kule meko, olona khetho unokukhetha kulo kukukhetha iimodeli zotyalo-mali osele unamava kuzo ekusebenzeni kwazo. Okukhona uyenzile, kokukhona kungcono.
  4. Ukuzijonga njengentshatsheli kwezona ndawo zikhuselekileyo akufuneki kuchasane ne ukufumana inzuzo ngaphezulu okanye ngaphantsi eyamkelekileyo. Isenokuba sisikhuthazo ekuphuculeni ngokuthe ngcembe ukujonga kwakho ibhalansi yeakhawunti. Ngaphandle kokumangalisa okukhulu, nangona ngendlela ekhuselekileyo.
  5. Ngaphantsi kweemeko zama xelisa abanye abatyali mali. Awubazi kwaye ngekhe ubazi ukuba zithini iimeko ezihamba kwiimarike zezemali. Banokuba nezizathu ezininzi kunye nendalo eyahlukileyo. Umona kwilizwe lemali alililo iqabane elilungileyo kolu hlobo lokuzonwabisa.
  6. Kucetyiswa kakhulu ukuba uzame ngazo zonke iindlela funda kwiimpazamo zakho zangaphambili kwicandelo lotyalo-mali. Isenokuba sesona sicwangciso siliqili sokwandisa imbuyekezo kwiimali ezityaliweyo ukusukela ngoku. Akumangalisi ukuba zininzi izifundo onokuzithatha kolu fundo kuzo zombini ii-equities kunye nengeniso esisigxina. Sukulibala.

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