Yintoni ekuchaphazela ukuba uqale ngokwenza ingxowa yokonga? Ngokophando lwakutsha nje, zininzi izinto ezinokubangela ukuba ukhuthaze kolu lwalamano uza kuba nalo ukusukela ngoku kwihlabathi lemali. Enye yezona zixhaphakileyo zithathwa kwi- ukunyuswa kwemivuzo emsebenzini wakho. Ayisiyiyo kuphela, kuba ikwanefuthe elibonakalayo lokuba uya kuba nemeko-bume ekhuselekileyo ngomso. Kwelinye inyathelo elisezantsi elinokubakho lokufumana irhafu evulekileyo yotyalo-mali lwexesha elide onokuba nalo. Ngayiphi na imeko, ezi zizizathu nje ezimbalwa zokukhuthaza ezi zenzo. Unokuba nezinto ezahluke ngokupheleleyo kuxhomekeke kwiimpawu zakho.
Kuba kuyinyani ukuba ngokutyala imali amandla akho okuthenga aya kukhula. Ukuya kwinqanaba lokuba eyakho umgangatho wokuphila Kwaye uya kuba nakho ukufumana ezinye izinto ezininzi kude kube ngoku awunakufumana. Ukususela ekuthengeni isithuthuthu ukuhlawulela uhambo kolu hlobo kunye nabahlobo bakho abasenyongweni. Iinjongo zayo phantse akukho mida. Kuphela kuphela obekwe kuwe ngenzuzo eyinkunzi evela kwimisebenzi yakho. Zombini kwingeniso engaguquguqukiyo kunye nokwahluka kunye nakwimodeli ezizezinye okanye ezintsha zotyalo-mali kumqondo wayo.
Ukusuka kule ndlela uza kuba nayo kuphela Chaza iinjongo kwaye ubeke bonke ubulumko kwimarike yesitokhwe ukuze buphumeze. Ngamandla ezixa-mali, ubuncwane obuncinci obunokuhlawula ukuya kuthi ga kwinqanaba lokufikelela kwiinjongo ezingalindelekanga kude kube kwiinyanga ezimbalwa ezidlulileyo. Kodwa lumka kakhulu, kuba imbuyekezo ayiqinisekiswanga ngokupheleleyo, kude nayo. Kuba enyanisweni, njengoko usazi kakuhle, kuya kufuneka uthathele ingqalelo ukuba ungaphulukana nemali kwimisebenzi oyenzayo ukusukela ngoku. Apho ungena kwimvumelwano kunye neemveliso ezinobundlongondlongo, umngcipheko wokujonga i-akhawunti eseleyo uya kunyuka. Akufanele uyilibale phantsi kwazo naziphi na iimeko.
Ingxowa yokonga: ungayiphuhlisa njani?
Unezicwangciso ezininzi zokunyusa ibhegi yakho yokuqala yokonga imali kutyalo-mali lwakho. Ukususela ngoku unokuninzi onokukhetha kuzo. Ukusuka kwiindlela zotyalo-mali ezicace gca ukuya kwezinokumodareyitha ezona njongo ziphambili kuzo iya kuba kukugcina ukonga ngaphezulu kwezinye izinto eziqwalaselwayo. Chaza iprofayili yakho njengomtyalomali omncinci nophakathi kwaye uya kuba kwimeko efanelekileyo yokusebenzisa nayiphi na indlela yokwenza ekusondeza kwiimarike zezemali.
Kuyinyani ukuba ungaqala kwi akhawunti ephezulu yokuhlawula okanye idiphozithi yekota. Kodwa ngokuqinisekileyo le modeli ayizukukunceda uhlangabezane nolindelo lwakho lotyalo-mali. Kuba enyanisweni, uya kuba nakho ukwenza okuncinci ngokubuyisa kulondolozo lwe-1%, yiyo le nto ikunika yona ezi mveliso zebhanki ngalo mzuzu. Zimbalwa izibonelelo zoncedo lwezoqoqosho oluninzi kwaye eziza kwanelisa ulindelo lwakho ngalo lonke ixesha. Ke ngoko, awungekhe uzithathele ingqalelo ezi mveliso xa usenza ibhegi yakho yokonga kule minyaka imbalwa izayo.
Akusayi kubakho sisombululo sinye ngaphandle kwe Iimveliso ezivela kwimicimbi yezabelo. Ayisiyiyo kuphela ngokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya. Kodwa ngezinye iimodeli. Phakathi kwezona zinto zibalaseleyo zizigunyaziso, ukuthengiswa kunye nokuthengwa kwikhredithi okanye nakwimali yotyalo-mali esekwe kule asethi yemali. Uthatha umngcipheko ngakumbi nabo, ewe uyayenza. Kodwa kwangaxeshanye uya kufumana umvuzo owonelisayo ngakumbi kwiminqweno yakho ukuba yonke into iphuhliswe ngokuchanekileyo. Kodwa kuphela kwendlela onayo ngeli xesha yokuphucula ukusebenza konga lwakho.
Lawula ukonga ixesha elide
Ukuba yimeko yakho yomsebenzi, ngumsebenzi, oko kukuthi, ngoku usebenza kwisicwangciso-qhinga sakho sotyalo-mali, kufanele ukuba sijolise ekulawuleni ulondolozo ukuze luhlale ubomi bakho bonke. Nangona umncinci kakhulu kuwe umhlalaphantsi wobuso. Nangona kunjalo, kufanele ukuba ijolise kwiiprofayili onokuzibonisa kwaye leliphi inqanaba lobomi ofuna ukuliphumeza. Ukuze ngale ndlela ube nomthombo wengeniso ngexesha lokuthatha umhlala-phantsi okanye izehlo ezinokwenzeka kwilizwe lomsebenzi (intswela-ngqesho, iingozi, ukuncitshiswa kwemivuzo, njl.njl.).
Ukusuka kule meko, isicelo sakho sinokusekwa kwiingxowa-mali zozibini kunye nakwizicwangciso zokonga ezinobundlongondlongo. Kwaye ukuba sele uneminyaka engama-35 ubudala, iya kuba lixesha elifanelekileyo lokuqesha Isicwangciso somhlala-phantsi esiguquguqukayo kwaye yahlengahlengiswa kuzo zonke iimeko. Iya kuba sisigqibo esinexesha elifanelekileyo esiya kukuvumela ukuba ujonge kwikamva ngokhuseleko olukhulu ngeminikelo yemali ehlengahlengiswe kwingeniso yokwenene onayo. Unokuyigcwalisa nangotyalo-mali kwii-equities zobunzima obungaphezulu okanye obuncinci.
Iimali zokugcina
Iya kuba sesinye sezicwangciso onokuthi ujongane nazo ukusukela ngoku. Iya kusekelwa kwinto enengqiqo njengokubona kwangaphambili isicwangciso sokubhukisha esikuvumela ukuba usenze ngokuchasene neendleko ezingalindelekanga kunye neemeko. Ukusuka kwiindleko ezivela kungenelelo lotyando ukuya kwiiholide ocwangcise zona minyaka le. Apho ungenakulibala nangayiphi na indlela zonke izibonelelo ongenazo xa ulungiselela uhlahlo-lwabiwo mali lwakho okanye losapho. Iya kuba ngumbono oluncedo kakhulu ukuqaphela le ndlela ingumthombo wotyalo-mali lwakho oluphambili.
Kule meko, ukhetha into elungileyo kwingxowa-mali inokwenza izinto zibe lula kuwe. Apho ii-asethi eziyimali ezininzi zidityaniswa njengefomula yokugcina ikapitali yakho. Ukongeza, unokongeza enye imveliso oyigcinayo. Kukubonelela ngembuyekezo ethembekileyo neqinisekileyo ngonyaka. Nangona ibaluleke kakhulu ukuba ikuvumela ukuba ubenemali ebalulekileyo yokujongana neendleko ezongeziweyo ezivela ngeli xesha.
Igalelo eliphakathi
Ngale ndlela, inkampani yeinshurensi iAEGON iphakamisa umbono onokuba luncedo kakhulu ekukhuseleni umdla wakho. Akukho namnye ngaphandle kwalowo ubhekisa kubaqeshi nakubasebenzi ekufuneka bavumelane ngendlela yokunyusa ngokuzenzekelayo ukugcinwa kwemali okubandakanyeka kunciphiso lwemivuzo. Esona sicwangciso sithe ngqo sifezekiswa ngokwenyuka okuzenzekelayo. Ukunyuswa kwemivuzo kufuneka ibe yenye into ebalulekileyo ebalulekileyo ekhuthaza ukuba wenze utyalomali lwakho lokuqala. Nangona ngendlela ecwangcisiweyo kunye nazo zonke iintlobo zeefilitha ukunqanda isimanga esibi kwiminyaka ezayo.
Kwaye awungekhe ulibale ukuba ngoosomashishini ngokwabo abajongene nokuseka ezinye izicwangciso zokonga umhlalaphantsi. Ngokuchasene nale meko ikhethekileyo, i-AEGON ibheja ukuba ezopolitiko zonyuse inkuthazo kubaqeshi, ziphelise izithintelo ekudalweni kwezicwangciso kwaye zivulekele bonke abasebenzi. Ngale ndlela uya kuba kwimeko engcono yokwenza ibhegi yokonga. Nangona kunjalo, iya kwenzelwa ixesha elide kunesiqhelo. Ngokukodwa kwixesha eliphakathi nelide.
Ugcino ngemisebenzi ekhawulezileyo
Awuphelanga ukhetho lokuyila ibhegi yokonga kule minyaka imbalwa izayo. Kwaye enye yazo inentsebenzo ekhethekileyo kwaye ayisiyiyo enye ngaphandle kokuba inxulunyaniswe negalelo le- iimveliso zezemali eziphucukileyo. Ngaphandle kwento yokuba umngcipheko uya kuhlala ungacacanga ekusebenzeni kwabatyali mali abancinci nabaphakathi. Njengembuyekezo yembuyekezo ephezulu ezinokudibana nayo ezi modeli zodidi ukwenza utshintsho lotshintsho. Ngokuqinisekileyo ayizukuzinza kwaye iya kuzibeka phantsi kwamahla ndinyuka amaninzi kwiminyaka edlulileyo.
Ayisiyondlela ifanelekileyo kakhulu yokukhuthaza ukonga. Kwaye kungaphantsi kakhulu kokuhlala ixesha elide. Mnye kuphela iprofayili yobutsha, ngamandla okuthenga okuphezulu kunye nokukhethwa kwangaphambili kweentshukumo zokuqikelela kwi-equities kuya kuba ngumgqatswa wakho. Unokwabela kuphela inxalenye encinci yolondolozo lwakho kwesi sicwangciso sikhethekileyo. Ukuze ingabinakho ukwenzakalisa umdla wakho wokuphuhlisa ibhegi yokonga okanye engazinzanga.
I-inshurensi yokonga
Akunyanzelekanga ukuba ujonge kwiibhanki ukuze uqeshe izicwangciso zokonga. Kwakhona nkampani banike ezona zindululo zabo zibonisa. Phakathi kwazo le mveliso yemali ibonakala ngesizathu esikhetheke kakhulu. Ayikho enye ngaphandle kwenzuzo eqinisekisiweyo eyivelisa phakathi kwababhalisi bayo. Phezulu kunezo zeemveliso zebhanki. Ngembuyekezo yokonga kufutshane ne-3%. Enye yeendlela ezinenzuzo kakhulu kwiindlela ezizinzileyo. Ngomngcipheko omncinci kwizikhundla ezivulwe ngabasindisi.
Unoncedo olukhulu lokuba uyakwazi ukubona iimodeli ezininzi zezi mpawu. Ngamnye kubo unegalelo lakhe kwaye kwiimeko ezininzi kufuneka benze yile igalelo elinye kwezi mveliso. Kwezinye zazo zifuna ngakumbi kunezinye. Ezi inshurensi zenzelwe ixesha elide kakhulu, nokuba zinanditshwe ngexesha lomhlala phantsi. Nangona ungarhuma ukusukela kwiminyaka engama-35 ubudala ukuze ibhegi yokonga ibe nobuninzi rhoqo xa kudlula iminyaka.
Njengoko sele ubonile, zininzi iindlela onokukhetha kuzo. Bazokulinda kuphela ukuba wenze isigqibo ukuze ikomkhulu lakho likwazi ukwenyuka kule minyaka izayo yobomi bakho. Kwaye okukhona ngakumbi, kokukhona kuya kuba ngcono kuwe kunye nokwakho.