Ngokufika kwehlobo kwakhona, ingxaki iya kwanda unokwenza ntoni nolondolozo. Ngenxa yokuba, kunjalo, yi ixesha lonyaka inzima kakhulu kwaye inokukuphosa ngaphezulu kwesingxaki esinye. Xa eyona nto uyifunayo kukuchitha cwaka nabahlobo bakho. Kananjalo, ayilixesha elifanelekileyo lokwenza iiasethi zakho zinenzuzo kwiimarike zezabelo. Kule meko, kuyinto eqhelekileyo ukuba unamathandabuzo malunga nento ekufuneka uyenzile kubudlelwane bakho nehlabathi lemali.
Enye yeenjongo zakho ngeli xesha lonyaka yeyokwenza imisebenzi ibe yinzuzo. Kodwa kule meko, ayizukubaluleka kangako Gcina imali yakho kwezinye izinto okanye iindlela ezingaphaya. Ukuze kube njalo, awuyi kuba nesinye isisombululo sokutshintsha isicwangciso sakho sotyalo-mali ukususela ngoku ngoku. Kuba lithuba elithile lonyaka eliza kufuna unyango oluhluke kakhulu kwezinye iinyanga. Ukuze uphucule izibonelelo zokusebenza kwakho kwemali.
Kuyinyani ukuba awunakho ukhetho oluninzi njengoko unokucinga kwasekuqaleni. Kodwa ngokuchaseneyo, kuya kufuneka ujonge ezinye izindululo kude kube ngoku ubungakhange uziqwalasele. Ngayiphi na imeko, awuzukukhetha kodwa cwangcisa utyalo-mali ngeli xesha libalulekileyo lonyaka. Apho akufuneki ushiye nantoni na ukuze uphucule, nangona unexesha elininzi lokuphumla. Ukuze ngesicwangciso ufumane umvuzo wakho ofanelekileyo. Sikunika ezinye izimvo zokutyala imali oyigcinileyo ehlotyeni.
Utyalomali lwehlobo: ingxowa
Ewe kunjalo, utyalomali kwimarike yemasheya kufuneka lubekhona kwezi nyanga zehlobo. Kodwa phantsi kolumkiso olukhulu ngenxa yeempawu ezizodwa zeli xesha lonyaka. Ukuba nehlobo elizolileyo awuzukukhetha kodwa ukhethe ezona ndlela zokuzilolonga. Ukuze ugcine iminikelo yakho yemali. Ngaphantsi kwezi ndlela enye yeendlela zokuqala kukufuna isivuno sesahlulo. Nangona kule meko, iya kuba ngamaxesha aphezulu okusisigxina. Ubuncinci ukuyiqhuba de kuphele unyaka.
Ukuba ukhetha enye indlela kutyalo-mali, uya kuba nakho ukufumana esona sivuno siphezulu kwimarike yezemali ngeli xesha. Kude kube kufikelelwe buyela kwi-8%, nangaphezulu koko kubonelelwe zezinye iimveliso zezemali. Nokuba lithini ixabiso layo kwiimarike zezabelo. Ukongeza, amaxabiso enza ukuba olu sabelo phakathi kwabanini zabelo luqine kwaye luzinzile. Akumangalisi ukuba, bengakulungelanga ukwenza intshukumo entle kakhulu. Ukuza kuthi ga ngoku sisicwangciso esiliqili esisebenzayo sokukhula ngeli xesha lonyaka.
Kwelinye icala, yindlela yoqobo yokugcina izikhundla zakho kwiimarike zezemali. Olunye ukhetho kufuneka ucwangcise utyalomali lwakho ehlotyeni jonga amaxabiso alondolozayo ezibonisa ukusilela okubuthathaka kumaxabiso abo. Ngokudweliswa kweenkampani ezingenamatyala amakhulu, okanye iingxaki ekubunjweni kwabanini zabelo. Ngale profayile unezindululo ezininzi zokuba uvule izikhundla kwezi nyanga. Kumacandelo abalulekileyo kwaye ahlukeneyo njengombane, ukutya okanye oohola bendlela.
Utyalomali oluxubileyo
Ungayidibanisa ingeniso esisigxina kunye nengeniso eyahlukileyo ukuba lo ngumnqweno wakho. Ngokusebenzisa imali ezixubeneyo. Ngezindululo ezininzi ezithe zaphuhliswa ziinkampani zolawulo. Ukusuka kule meko, luluvo olwanelisayo kakhulu ukugcina ulondolozo lwakho ngelixa uzama ukugcina imali etyalomali. Ngoncedo olukhulu lweekhomishini oya kuthi uhlawule ngalo ikhontrakthi yezi mveliso kwaye azikho banzi kakhulu. Nkqu ngaphantsi kwezinye iifomula zotyalo-mali.
Unye kuphela ukungasebenzi kakuhle kwaye kuhlala kwinto yokuba imali yotyalo-mali ijolise ngokukodwa kwimigangatho ebanzi. Kodwa ngoncedo onokukhetha ipesenti ofuna ukuyinika i-asethi yemali oza kuyiqasha. Unemali yezi mpawu ukumodareyitha, ukuzikhusela, okanye ubundlongondlongo. Kuxhomekeke kwiprofayili oyivezayo njengomtyali mali ophakathi okanye omncinci. Ewe kunjalo, inzuzo onokuthi uyifumane ngale mveliso yemali ayizukuba ngaphezulu. Kodwa ubuncinci kuya kukunceda ukhusele imali yakho kweli hlobo.
Irhafu yexesha elifutshane kakhulu
Ukuba, ngaphandle kwayo yonke into, injongo yakho ayikukubeka emngciphekweni imali ekhoyo, awuyi kuba nenye indlela ngaphandle kokubhenela kwiidipozithi zekota. Kodwa kule meko, kwisithuba sonyaka omnye ukuya kwemithathu, ixesha elihlala ihlobo. Kukho into yeklasi ekufuneka uyicinge kwaye lelo liqondo lenzala oya kuthi ikunike le modeli yokonga iphantsi kakhulu. Apho kuya kuba nzima kakhulu ukoyisa umqobo we-0,75%. Kodwa endaweni yoko uya kuba nembuyekezo emiselweyo neqinisekisiweyo oya kuyifumana kwiakhawunti yakho yokutshekisha xa iphelelwa lixesha. Ngokhuseleko lokuba xa ubuya kwiholide yakho uya kufumana imirhumo ebekiweyo.
Okwangoku, iibhanki zivelise iimeko ezininzi kwezi mpawu. Ngokusebenzisa iimodeli ezahlukeneyo ezizama ukwenza ukuba ukuqeshwa kwakho kubhetyebhetye. Esinye sezona zicwangciso-qhinga zezona ziphucukileyo zezi ziphuhliswe phantsi kwesibonelelo kubathengi abatsha. Ukuze ngale ndlela, kudlule kwimida yorhwebo enikezelwa ngamaziko emali. Ukuya kwinqanaba lokuba ungafumana isivuno sisondele kwi-3%. Ngaphandle kwalo naluphi na uhlobo lweekhomishini okanye ezinye iindleko kulawulo lwazo okanye kulondolozo.
Ukuphucula inzuzo, iidipozithi ezinxulunyaniswe nezinye ii-asethi eziyimali ziyenziwa. Ukuza kwizabelo, izinyithi ezixabisekileyo, izinto ezingafakwanga imveliso okanye kwimarike yemali. Yimveliso yezemali enenzuzo eqinisekisiweyo, kodwa ukuze kuphuculwe imbuyekezo kulondolozo, uthotho lweenjongo kuyakufuneka kufikelelwe kulo. Oko kwelinye icala, hayi kuzo zonke iimeko. Iidipozithi, ngamafutshane, zikunika iindlela ezininzi zokugcina imali oyigcinileyo kweli hlobo.
Amanqaku eBhanki: enye indlela
Le mveliso inokukunceda ukhusele igalelo lakho kwezi nyanga. Kodwa kule meko, phantsi kokusebenza okubuthathaka kakhulu, kwaye kuhlala kungaphantsi kwe-0,4%. Banemiqathango eyahlukeneyo yesigxina, ukusuka kwinyanga enye ukuya kwixesha elide. Ngobume obufanayo oboniswe ziidipozithi zekota. Kodwa ngumahluko owufumana umdla ngexesha elichanekileyo lokuqesha kwakho. Nangona ngokuchaseneyo, ayinasiqinisekiso sabo kwimeko yenkqubo engaziwayo okanye ukubhengezwa kweziko lezemali.
Endaweni yokuvelisa umdla, eyona nto uyithandayo uzakuzola ngeenyanga apho inqaku lebhanki lihlala khona. Kwelinye icala, awungekhe ulibale ukuba yimveliso yezemali ecace gca phakathi kokukhethwa ngabatyali mali abancinci nabaphakathi. Kungenxa yokuba ngexesha apho inzala ikumanqanaba asezantsi, ayisiyiyo enye yezona zicetyiswayo ngenxa yeempawu zayo ezizodwa. Nokuba yeyiphi indlela, yenye indlela onokuthi ube nayo ngeli hlobo lonyaka litsha.
Imali yokurhweba ngokutshintshiselana: ibhetyebhetye kakhulu
Kodwa ukuba kukho imveliso elungiselelwe ngokukodwa eli xesha lonyaka, yi-ETF eyaziwayo. Ngaphezulu kwako konke kuba zonke iintlobo zotyalo-mali zibandakanyiwe. Ukusuka kutyalo-mali kwisalathiso sesitokhwe ukuya ekuthatheni isikhundla kwimarike yorhwebo, ngaphandle kokulibala iibhondi okanye ingeniso esisigxina ngokubanzi. Awungekhe ulibale ukuba iimali zothengiso-mali ngu hlanganisa phakathi kwemali kunye nokuthenga nokuthengisa izabelo engxoweni. Ukuba kunjalo, imodeli yokonga eguqukayo enokuhlengahlengiswa kwiprofayili yotyalomali.
Ziyafumaneka kwisibonelelo esibonelelwa ngamaziko emali kunye neekomishini ezingabonakali kwixabiso labo elikhethekileyo. Kwelinye icala, le mveliso icetyiswa kakhulu kumaxesha okusisigxina phakathi kwenyanga enye ukuya kwezintathu. Apho unokufumana khona umvuzo ogqwesileyo ukuba ipotifoliyo yakho iguquka kakuhle kwiimarike zezemali. Nangona kungekho ngaphandle komngcipheko, ngakumbi kwezinye zeenkampani ezidweliswe kakhulu. Ezifana nezivela kwii-equity nakwezinye iimarike ezizezinye.
Okokugqibela, unokuthatha isikhundla kwi imarike yangaphambili. Udinga iiseshoni ezimbalwa zokurhweba ukufezekisa iinjongo zakho. Kodwa nangayiphi na indlela, uya kudinga ukufunda ngakumbi ukuphucula imisebenzi yakho. Kuba, eneneni, umngcipheko uhlala ukho kwimarike yezemali njengoko ikhethekile njengoko kunjalo. Ngamandla amakhulu okuguquguquka kunabanye, umahluko ophawuleka kakhulu phakathi kobuninzi kunye notshintsho oluncinci.
Ayilolize, ukurhweba ngeemali kukuvumela ukuba wenze ukwenza imisebenzi ngokukhawuleza nangexesha, Ngaphandle kobungqingqwa obufunyanwa zezinye zeemveliso zezemali esizityhile kuwe. Nokuba kunjalo, kulo nyaka awuyi kuba nasizathu sokwenza ulondolozo lwakho lube nenzuzo, nokuba kukwizicwangciso-qhinga ezahlukeneyo kwaye kwezinye iimeko zivelise ngokupheleleyo. Apho uyakuba nguwe kuphela oza kuba nesigqibo sokugqibela malunga nento onayo okanye ongamele uyenze ngeli xesha lonyaka. Okanye mhlawumbi uya kukhetha ukuphumla kumtyalo-mali wakho kwaye ngale ndlela wonwabele iholide yakho ekufaneleyo.