Enye yezinto ezinqabileyo ukuba ukwanda kwehlabathi kutyalo-mali akulethanga kukubonakala kwamaqonga ezemali amaninzi edigital azijoliswanga kwimveliso enye. Ukuba akunjalo, ngokuchaseneyo, bagubungela imisebenzi eyahlukeneyo kwi-equity kunye nakwiimarike zorhwebo. Ukusuka kukhetho lwekamva lesivumelwano. Ngaphandle kokulibala ezinye zeasethi zemali ngokwesiqhelo zobume botyalo-mali, ezinje ngezixhobo zokwenza izinto.
La maqonga ezemali edijithali asivumela ukuba sikwazi ukufikelela kwimixholo yawo kwimizuzu embalwa kwaye ke senze nawuphi na umsebenzi kwiimarike zezemali. Akukho mfuneko yokuba ube neakhawunti yokutshekisha okanye nokugcina ubudlelwane obuzinzileyo kunye nomqhubi. Ke kuyakufuneka kuphela ukubhalisa ngothotho lweedatha ezisisiseko kwaye ezingazukuphula isazisi sethu. Ngayiphi na imeko, la maqonga akwi-Intanethi avela nakweyiphi na indawo emhlabeni, nkqu nakwimpuma yeAsia amazwe.
Ekuqaleni, iya kusinika ithuba lokusebenza kuyo nayiphi na iasethi yezemali, ezinye zazo kude kube ngoku besingenazo iindaba. Ngoncedo lokuba sinokuphuhlisa utyalomali ngemali encinci, malunga nee-euro ezingama-20. Ngomgangatho ophakamileyo ongafumanekiyo kwezinye iimveliso zemali eziqhelekileyo. Ewe kunjalo, sisilingo esikhulu senxalenye elungileyo yabatyali mali abancinci nabaphakathi. Kodwa ke lumka kakhulu ngala maqonga, kuba inokuba yingozi kwimidla yabo.
Amaqonga okurhweba: imimiselo yawo
Umba wokuqala ekufuneka siwujongile kubudlelwane bethu namaqonga ezemali edigital avumela zilawulwa ngokufanelekileyo. Hayi ngelize, ngalo mzuzu kukho inani elilungileyo labo abangakhange badlule kule nkqubo beyimfuneko ekuqinisekiseni ukuba imisebenzi iyenziwa nakweyiphi na intengiso yemali, nokuba ibiyintoni na. Ukusuka kolu luvo, naphantsi kwazo naziphi na iimeko akufuneki sithathe inxaxheba kule klasi yamaqonga ezemali edigital avunyelweyo. Phakathi kwezinye izizathu kuba sinokulahlekelwa yimali ebekiweyo okanye singafumani iinzuzo ezinkulu ezenziweyo.
Kwelinye icala, asinakulibala ukuba xa sijongana imisebenzi ephezulu yomngcipheko Bathetha ukuba kwiimeko ezininzi kukho ukuphakama okuphezulu kwaye abakho kwezinye iimveliso eziqhelekileyo okanye zemveli zemali. Oko kukuthi, ngesi sicwangciso sotyalo-mali unokufumana imali eninzi kwimisebenzi eyenziweyo. Kodwa ngokuchaseneyo, umngcipheko uphezulu kakhulu kwaye ukuya kuthi ga kwinqanaba lokuba ungashiya phantse yonke imali etyalwe. Yinto ekufuneka uyixabise ngakumbi ukuba ukhetha le modeli inxulumene neemarike zezemali.
Ayizizo imisebenzi eziqhelekileyo
Kwiiplatifti zorhwebo ezidijithali, into ongayi kuyifumana ngokuqinisekileyo ziimveliso ubusenza isivumelwano kunye nebhanki yakho yesiqhelo. Ngale ndlela, ukuthenga nokuthengisa izabelo kwimarike yemasheya boyisiwe ngeefomathi ezinobundlongondlongo ngakumbi kwaye mhlawumbi awuzange usebenze nabo kubomi bakho bonke. Lo ngomnye umngcipheko obandakanyekayo ekwenzeni le misebenzi kwiimarike zezabelo. Ayothusi into yokuba ujongene necandelo elahlukileyo, elingaphaya kotyalo-mali olunento yokwenza nokuqikelela okunamandla nokumsulwa.
Kwelinye icala, asinakulibala ukuba ezi mveliso zezezimali zifuna ukufunda okungaphezulu komsebenzisi. Akwanelanga ngomnqweno woku ukufumana inzuzo enkuluKuyimfuneko ukubonelela ngolwazi olunzulu ngezi marike zikhethekileyo nezinobungozi. Akufuneki usebenze kwimisebenzi yakho kuba kunjalo, eyona nto inokwenzeka kukuba ulingo luya kuhamba kakubi kwaye iimpembelelo zalo kwibhalansi yeakhawunti yakho yokonga zinokudakumba ngokwenene. Le yenye yezinto ekufuneka ithathelwe ingqalelo kuhlalutyo olunenjongo noluthembekileyo lwamaqonga orhwebo lwedijithali.
Ubukho kwimidiya yoluntu
Ukuba la maqonga orhwebo edijithali abonakaliswa yinto ethile, kungenxa yabo ubukho obusebenzayo kwimidiya yoluntu. Ewe kunjalo, zibandakanyiwe kwiiakhawunti zezona zichaphazelekayo ngesiphumo esiphindwe kabini. Kwelinye icala, nxibelelana nabathengi bakho zonke iintlobo zeendaba ngokubhekisele kwiqonga ledijithali, kwaye kwelinye icala, sombulula nakuphi na ukuthandabuza abanokukubonisa nangaliphi na ixesha. Ukusuka kwezi ngcinga, sisixhobo esitsha esinokukunika umbono ongaphezulu kwesinye ukuhambisa olona tyalo mali lubalaseleyo kumzuzu ngamnye nakwimeko nganye. Yeyona nto intle kakhulu kolu didi lwabasebenzisi bezemali. Ngaphandle kwezinye izinto zobugcisa.
Enye into ekufuneka ixabisiwe kula maqonga orhwebo edijithali kukuba banezicelo ezinamandla ukuze ukwazi ukuphatha ukubeka iliso kwimisebenzi nakwesiphi na isixhobo setekhnoloji. Ngale ndlela, yinkxaso enkulu kwimisebenzi yakho kwiimarike zezabelo nangaphaya komngcipheko ohambelana nokuhamba kwabo konke. Akumangalisi ukuba zidibene ngokusondeleyo kubuchwephesha obutsha kwintengiso. Into engenzekiyo, umzekelo, ngokusebenza kweklasikhi kwimarike yemasheya.
Utyalomali kwiiasethi zemali
Ii-asethi eziyimali apho imisebenzi yakho inokuxhomekeka khona azinakubalwa kwaye zineendidi ezahlukeneyo kwaye kuxhomekeke kwiimpawu zamaqonga orhwebo edijithali. Kwiinyanga ezidlulileyo, i utyalo-mali kwiimali zedijithali, ikakhulu kwi-bitcoin, kodwa nakwesinye isizukulwana sokugqibela esingaziwayo. Umngcipheko wale ntshukumo ubuninzi kwaye kwindawo yokuqala kuya kufuneka uhlalutye ukuba umqhubi ngokutshintshiselana ngababini ulawulwa ngumzimba ofanelekileyo. Asinakulibala ukuba malunga noku, ngelishwa kuye kwakho ubuqhetseba kunyaka ophelileyo.
Ngelixa ngokuchaseneyo, kwiinyanga nje ezidlulileyo ezinye iiasethi zemali eziqhelekileyo ziye zavela. Yimeko ethile ye- Iimpahla kunye nezo uya kuba nazo iingxaki zokufikelela kwezinye iindlela zokuthengisa. Phakathi kwezo zivelise isinyithi esixabisekileyo (igolide, isilivere, iplatinam, njl.njl.) Ukuze ukwazi ukwenza inzuzo ngokonga ngexabiso elikhuselekileyo ngokugqwesa. Ngenxa yokungazinzi kunye nokungazinzi kweemarike zezabelo. Njengabanye izinto ezinjengempahla ekrwada, ioyile ime ngaphandle kwayo yonke into. Ngale ndlela, akukho mathandabuzo ukuba amathuba oshishino avulelekile kuwe ngaphezulu kwezinye izinto ezincinci.
Idiphozithi kunye nokurhoxiswa kwemali
La maqonga orhwebo edijithali asebenza phantsi kweeparameter ezahluke ngokupheleleyo xa kuthelekiswa namanye amaqela otyalo-mali okanye amaziko emali. Apho kuya kufuneka ngokupheleleyo wenze idiphozithi yemali ukuqala ukusebenza kwezi marike zezimali. Ukuza kuthi ga kwinqanaba lokuba amanye amaqonga orhwebo edijithali afuna idiphozithi encinci. Ngaphantsi kwesixa-mali esiphakathi kwe-10 ukuya kwi-50 ye-euro, nangona kukho imali ebaluleke kakhulu emiselwe abathengisi abaziingcali. Njengeekhomishini kunye nezinye iindleko kulawulo lwazo okanye kulondolozo.
Ngaphantsi kwesicwangciso esifanayo, ukurhoxiswa kwemali kwenziwa kumaqonga orhwebo edijithali. Ngenxa yoko, unako Sebenzisa iindlela ezahlukeneyo zokuhlawulaUkudluliselwa kwebhanki, amakhadi etyala okanye okuthenga ngetyala kwaye okokugqibela izixhobo ze-elektroniki eziboniswe kakuhle kolu didi lwemisebenzi yezemali. Ngokungafaniyo nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya okanye ezinye iimveliso zezezimali: iimali zotyalo mali, iziqinisekiso okanye ezinye ezinempawu ezifanayo. Ngayiphi na imeko, ukuguquguquka kokwenza le ntshukumo yemali kuya kuba lilonke.
Urhwebo lwekamva
Ezinye iimveliso ezikhoyo kweli klasi lamaqonga orhwebo lwedijithali zezo zithathwe kwimisebenzi yekamva. Ayisiyiyo kuphela kwiimarike ze-equity, kodwa nakwezinye iindlela ezinje ngesinyithi esixabisekileyo, iimali ezibonakalayo okanye izinto ezingavuthiweyo. Ukusuka kolu luvo lomsebenzi, akukho mathandabuzo ukuba amaqonga orhwebo lwedijithali enza isixhobo esitsha sotyalo mali kodwa phantsi kweempawu zayo. Apho kungonelanga ukutyala imali, kodwa ukulungela ukwenza le misebenzi inzima kwezi marike zezimali zikhethekileyo.
Alithandabuzeki elokuba aba baqhubi botyalo-mali phakathi kwabantu banzima ngakumbi. Akukho mntu ukuthandabuzayo oku ngalo mzuzu kanye kwaye kububulumko ukuba njalo Lumkele ukuvula izikhundla kwezinye zeasethi eziyimali ezifumanekayo kumaqonga orhwebo ledijithali. Apho injongo ephambili ikukugcina inxalenye yegalelo lakho lemali ngenxa yomngcipheko omkhulu wokuba olu hlobo lomsebenzi lusebenza kwimarike, njengoko besesikucacisile ngaphambili.
Enye yeenjongo zakho kwangoko iya kuba kukuhlalutya ukuba kuyakufanelekile na ukuvula izikhundla kwiimveliso zezemali ezinzima njengale. Kungenxa yokuba usenokungabi nawo umngcipheko wokubeka imali yakho emngciphekweni ngokurhweba kakhulu. Apho kuwo onke amathuba okuba unokulahleka okungaphezulu kokuphumelela kuzo zonke iimeko ezinokubakho. Ayothusi into yokuba uya kuba neendlela ezingaphantsi zokuzikhusela kunezinye iimveliso zemali eziqhelekileyo. Ukuba ukuphela kosuku yinto ekufuneka ujonge kuyo ukusukela ngoku.