Ukuba ufuna ukufezekisa uluvo lokwenyani lokutyala imali oyigcinileyo, uya kuba nocwangciso olulungileyo kwezona ndawo zithengiswayo zivenkile ehlabathini ukwanelisa lo mnqweno unomdla. Kungenxa yokuba sele kunokwenzeka ukuba unako fikelela kwiimarike zezabelo ezinqabileyo. Kwaye kude kube yiminyaka embalwa edlulileyo bekungenakwenzeka ukuba ivule izikhundla kolunye ukhuseleko lwayo. Ngoku kunokwenzeka, kwaye wenze ngokusemthethweni imisebenzi kwibhanki yakho yesiqhelo.
Ithuba lokuvula ukuya iimarike ezintsha inkulu. IVietnam, iMoldova, iBotswana iTanzania okanye i-Ecuador zezinye zazo. Ngokuqinisekileyo awunalo ulwazi oluninzi malunga nabo, kwaye nangaphantsi kwemisebenzi oyenzileyo kwinqanaba lakho njengomtyalomali omncinci. Kodwa nangayiphi na imeko, yenye yeendlela ezininzi onokuthi ufake kuzo izabelo zamazwe ngamazwe.
Umbuzo wokuqala oza kuzibuza wona ukusukela ngoku ukuba ungayenza njani ngokusemthethweni imisebenzi kunye nokuba zeziphi iimveliso zezemali. Ngokomgaqo, ukufikelela kwiimarike zabo kuya kuba nzima kakhulu kuwe. Phantse kungenakwenzeka ukuba uphuhlise imisebenzi evela eSpain, kwaye kuphela kwamanye amazwe apho oku kunokwenzeka kuvulwe. Kwenye inokuba yinto engaphezulu kokugqogqa, kodwa kwabanye ngokungathandabuzekiyo iya kuba yindlela entsha yokwenza ukuba ubutyebi bube nenzuzo.
Ukusuka kwingxowa mali
Ayisiyi kuba akukho khetho ngaphandle kokuya kutyalo mali ukuba umnqweno wakho awukho ngaphandle kokuthenga izabelo kwezi marike zangaphandle. Awuyi kuba nangxaki, kuba eyona nto iphambili abaphathi benze iimveliso ezinezi mpawu. Kwaye iiphothifoliyo zotyalo-mali zazo ezisekwe kwii-equity zala mazwe ezingaqhelekanga kubatyali mali abaninzi.
Nangona kunjalo, utyalo-mali alukho kuphela kwezi marike zesitokhwe, kodwa kunoko zidityaniswe nezinye zemveli neziqhelekileyo. Omabini la mazwe abalulekileyo kwaye asakhasayo. Kwaye ikwakhona kwingxowa mali yendalo exubeneyo, ukuze utyalomali lukhuselwe ngengeniso esisigxina. Unokukhetha phakathi kweefomathi ezahlukeneyo, ezibandakanya amanye amazwe aneempawu ezizodwa.
Iimali ezirhweba ngokutshintshiselana, ezaziwa ngcono njengee-ETFs, nazo zivelisa ezi fomathi zinomdla, nangona isibonelelo sabo siphantsi kakhulu kunemali yotyalo-mali. Ukuya kwinqanaba lokuba ukhetho lwakho luya kukuphakamisa iingxaki ezinkulu ukuthatha izikhundla kwezi marike. Kwaye kuyo nayiphi na imeko, kubandakanya indibaniselwano yokuthenga nokuthengisa izabelo kwimarike yemasheya nakwimali yotyalo-mali.
IiKhomishini kunye nezinye iindleko kulawulo lwayo
Ukuba uza kuvula izikhundla kwezinye zeemarike ngoku, kwaye kufuneka ulawule phesheya, kuya kubandakanya iikhomishini ezibanzi. Ukuza kuthi ga kwinqanaba lokuba uya kuzibuza ukuba kufanelekile na ukwenza olu lawulo lwesitokhwe lukhethekileyo, kodwa kukwayingozi. Iindleko ziya kuthi ziphindaphindwe kabini kubemi, kwaye kwezinye iimeko zifuna okungakumbi. Ayothusi into yokuba lixabiso oya kuthi ulihlawule ngokuya kwezi marike zezimali zinomdla.
Uncedo kuphela xa kuvulwa izikhundla kuthathwe kwinto yokuba baphantsi kokunyuka okubamemayo ukuba bathenge izabelo zeenkampani ezidweliswe kwezi marike zamanye amazwe. Zingamaxabiso amancinci awaziwayo, okanye ukuba zichaneke ngakumbi, ngaphandle kokubhekiswa kuzo. Thatha le nto phambi kokuba unomdla kubo, kwaye ngale ndlela thintela ngaphezulu kwesinye seengxaki ngexesha lokumisela ngokusemthethweni izinto ozithengileyo.
Ndingafumana ntoni kwezi ngxowa?
Ezi marike zibeka umngcipheko omkhulu kuyo yonke imisebenzi, enokuthi ikhokelele kwilahleko enkulu kunezo zicingelweyo. Ngokwenene kunokwenzeka ukuba Ukukhubazeka kufakwe kwipotfoliyo yotyalo-mali ezenziwe ngezi ntengiso zantlandlolo. Ukubuyisa, banokuvelisa inzuzo enkulu kakhulu, kuba amaxabiso okhuseleko lwabo alawulwa kukungazinzi. Okubanzi kunoko kuphuhlisiwe kwezinye ii-indices zesitokhwe kwiimarike eziqhelekileyo. Hayi ngelize, banokuphuhlisa umahluko kwixabiso labo, kwiseshoni efanayo yokurhweba, ukuya kuthi ga kwi-20%.
Ayizizo iintengiso zestokhwe, ke ngoko, zilungele zonke iiprofayili zotyalo mali. Kodwa ngokuchaseneyo, kuphela abanamava kakhulu, kwaye zisetyenziselwa ukusebenza kwiingxowa zokuqala kunye nokusebenza ngaphezulu kwesinye. Ukusuka kule meko, ukuba awunazo izimvo ezicace gca, kuya kuba ngcono ukuyeka ukuthatha isikhundla. Ewe kunjalo, ukuba awufuni ukuthatha ngaphezulu kokungathandwa ukusukela ngoku. Ungalibali phantsi kwazo naziphi na iimeko.
Ezi ngxowa zinokusetyenziselwa xa onke amanye amathuba sele ephelile. Oko kukuthi, xa kungasekho kukhetho oluphezulu lwesivuno kwiimarike zesitokhwe zemveli, kwaye ufuna ukuhlala unxibelelene kwii-equity, nokuba zikwiimarike zesitokhwe kude nakummandla wakho njengoko unjalo. Kodwa kuyo nayiphi na imeko, akufuneki naphantsi kwazo naziphi na iimeko uzibeke emngciphekweni wemali eninzi, kodwa ngokuchaseneyo.
Utyalo-mali lwakho luza kuba luncinci kakhulu kuzo zonke iimeko. Ngaphandle kwama-20% eyimali eyinkunzi emiselwe ukutyala imali. Kwaye uhlala ukhuselekile ngakumbi ekusebenzeni kwakho. Kuya kucetyiswa kakhulu, ukuba unako, ukuba Beka i-odolo yokuyeka. Awuyi kuba nenye injongo ngaphandle kokunciphisa ilahleko enokubakho kutyalo-mali. Enye into ekufuneka uyithathele ingqalelo kukuba oku kutshintshiselana ngesitokhwe kuneeshedyuli ezahlukileyo ngokupheleleyo kuneemarike zesizwe. Kwaye ke kuya kuba nzima ngakumbi kuwe ukuba usebenze ngamaxabiso.
Esinye isiphako esivela kwezi marike zintsonkothileyo kukuba uya kuba neengxaki ezininzi zokulandela imisebenzi ngexesha lokwenyani, kwaye kuya kuba nzima ukuphumeza. Akumangalisi ukuba ezi ntengiso zinzima kakhulu ukuba zisebenze ngokunxulumene nezesiqhelo. Kukulungele ukuba uyithathele ingqalelo ukusukela ngoku ukuya phambili ukuba awufuni ukwenza iimpazamo ezigqithileyo onokuzisola ngazo ukusukela ngoku.
Zeziphi izibonelelo onokuzifumana?
Njengakuyo nayiphi na intengiso yemali, uya kuba nezibonelelo ezinokuba luncedo olukhulu ekuqwalaseleni utyalomali lwakho. Akufanele uzijongele phantsi njengoko ngamanye amaxesha unokukhetha ezi ntengiso zingaqhelekanga. Kwaye oko kunokuba yimigca yesenzo elandelayo enokuthi ihanjiswe nangaliphi na ixesha nakwizicwangciso ezahlukeneyo.
- Masithi kwenye enye indlela onayo phakathi kwengeniso eyahlukileyo, kwaye leyo ungayisebenzisa nangaliphi na ixesha. Ngokukodwa ukuba ukhetho oluphambili lusilele.
- Yindlela yokwenza inzuzo ukonga okwahlukileyo ngokubhekisele kwezinye iiasethi zemali, kwaye xa bebonisa uguquko oluhle banokuba yinto onomdla kuyo kutyalo-mali.
- Banokucinga ngamanani abonisa indaleko kwiimarike zemali zilungele umdla wakho, nangaphezulu ivezwe ngamanye amaxabiso kwindalo yakho.
- Baza kukunceda yandisa inkcubeko yakho yezemali, kwaye oko kunokuba luncedo kweminye imisebenzi kwiimarike eziqhelekileyo. Ukuza kuthi ga kwinqanaba lokonyusa ulwazi lwakho lwezabelo ngaphezu kwezo zabanye abatyali mali.
- Ukuba uyazi ukuba ungarhweba njani ngolu tshintshiselwano lutsha, banokuvulelwa wena amathuba amaninzi oshishino. Nangona kuyakufuneka ube nolwazi oluninzi malunga nokuziphatha kwiimarike zezemali.
- Ukuguquguquka okuphezulu Kuya kukunceda ukonyusa inzuzo, ukuba uyakwazi ukulawula izikhundla zakho, kwaye uhlengahlengise izikhundla ngalo mzuzu apho kuvela khona iimpawu zokuqala zobuthathaka.
Eyona ngozi yayo
Kuya kufuneka uphinde uvavanye umonakalo owenziwe lolu hlobo lwemisebenzi yesitokhwe, kwaye uvavanye ukuba kuya kuba kufanelekile na ukukhetha ezi ntengiso zinzima. Emva kolu hlalutyo, iya kuba ngumzuzu wokugqibela apho kuya kufuneka uvavanye konke ukuphazamiseka okuza kwenziwa yimisebenzi yakho. Ngokusisiseko bekungayi kubakho khetho ngaphandle kokufumana oku kulandelayo.
- Sukuzama ukuphumelela abo unayo ilahlekile kwezinye iimarike zezabelo, kuba uya kuba wenza impazamo ekunzima kakhulu ukuyisombulula. Inokukwenza ulahlekelwe yimali engaphezulu kunangaphambili.
- Nciphisa igalelo lakho kubuncinci obunakho, kwaye ukuba kunokwenzeka kwinqanaba lobungqina, ngcono ngakumbi kwimidla yakho njengomtyali mali. Ngayiphi na imeko, musa ukutyala yonke okanye inxalenye enkulu yenkunzi yakho.
- Uya kwenza impazamo enkulu, onokuthi uyenze hlawula ngee-euro ezininzi kwityala lakho. Kuphela ukuba uqhele ezinye zeemarike zayo apho uya kuyivula isebenze kunye neziqinisekiso ezithile.
- Awuyi kuba ukugqithisa okugqithisileyo ukuthatha isikhundla, nkqu nemithombo yeendaba ekhethekileyo. Kwaye ngenxa yazo, uya kuba ne-intuition yokwenza utyalomali.
- Inkxaso kunye nokuxhathisa ukuthenga kunye nokuthengisa izabelo kuya kuba nzima ngakumbi ukuzibona, kunye nayo umngcipheko uza kunyuka ngokubonakalayo. Ayothusi into yokuba ulawulo lweentshukumo luya kuba nzima ngakumbi.
- Gcina ukhumbula ukuba uninzi lwe ezi ntengiso zifunyenwe, kwaye nakwezinye iimeko ezinokusetyenziswa ngakumbi, kwaye oko kungonakalisa inzala yakho njengomtyali mali omncinci onguye.
- Kwaye ukuba ekugqibeleni awunakho ukhetho ngaphandle kokutyala imali oyigcinileyo kwiimarike zesitokhwe zala mazwe, yenze njalo imisebenzi yexesha elifutshane, nangaphantsi kwegalelo eliphantsi elingaziguquli ngokugqithileyo iiasethi zakho.
Izigqibo zokugqibela
Ewe kunjalo, ayizizo ezona ntengiso zicetyiswayo zotyalo-mali kumgangatho wasekhaya. Ayaziwa kakhulu, kwaye akukho zinkcazo ngokuthe ngqo ezikwenza ukuba uphakamise ukusebenza kunye neziqinisekiso ezithile. Nangona kunjalo, ayizizo zonke iimarike zentengiso ezifanayo, kwaye unokufumana enye ehambelana neempawu zakho njengomtyali mali wevenkile. Thatha ithuba kuzo, kodwa ulawule yonke intshukumo yabo. Kwaye nakuwuphi na umqondiso wobuthathaka, rhoxisa izikhundla ngomzuzu wokuqala.