Unyaka ongaphaya ulindelwe yimisitho yeKrisimesi ekudala ilindelwe. Kunye nemibutho yosapho, imibhiyozo nabahlobo kwaye ekugqibeleni uchithe iintsuku ezimbalwa zolonwabo kunye nabo ubathandayo. Kodwa into abantu abaninzi abangayaziyo kukuba eli lixesha lonyaka apho utyalomali lunokuba luncedo kakhulu. Ukuya kwinqanaba le Fumana iipesenti ezifuna ngakumbi kwaye oko kungadibana nolindelo lwakho. Kungenxa yokuba enye ye-axioms ecacileyo kwihlabathi lemali kukuba nawuphi na umzuzu unokusebenza ngokufanelekileyo kuzo zonke iintlobo zokusebenza kwemali.
Unexesha lokuhlangabezana nale mfuno ikhethekileyo eya kukunceda ukuba uphucule ukujonga ibhalansi yeakhawunti yakho ukusukela ngoku. Ayisiyo kuphela ngokuthengwa kunye nokuthengiswa kwezabelo. Kodwa ngezinye iimveliso zezezimali, apho kunjalo kubandakanya ingeniso esisigxina. Ngale ndlela, awungekhe ulibale ukuba naliphi na ixesha lixesha elifanelekileyo lokwenza ishishini. Kodwa ngakumbi ngeKrisimesi, njengoko uza kuba nakho ukubona ukusukela ngoku. Kuya kufuneka ubeke ezinye zeembono.
Eli lixesha lonyaka apho ubutyebi obukhulu behlabathi busetyenziswa khona. Kwaye kwezinye iimeko, ngayiphi indlela. Ewe lixesha lokuba uxelise ezi zenzo ukuze uqale unyaka omtsha ngenkuthazo entsha emsebenzini we Yongeza iiasethi zakho zobuqu. Ewe, izindululo azizukulahleka ukusukela ngoku. Ukusuka kwiindlela ezahlukeneyo zotyalo-mali. Ukusukela kwizicwangciso ezilondolozayo ukuya kwezinye ezinobundlongondlongo kunye nesidingo sokuthatha inqanaba eliphezulu lomngcipheko. Ngaba uyafuna ukwazi ezinye zezindululo? Ewe, nika ingqalelo encinci kuba banokukunceda ufezekise iinjongo zakho.
IKrisimesi: iintshukumo ngezaphulelo
Imarike yemasheya ngukumkanikazi wotyalo-mali kwaye kunokuba kuncinci kangakanani ukuba uzigcine engqondweni ukwenza ukonga kwakho kunenzuzo ngeentsuku zeholide zeKrisimesi. Isicwangciso esiliqili kukukhetha amaxabiso abalulekileyo izaphulelo kumaxabiso abo. Oku kwenzelwa ukuba uthathe ithuba lokuphinda uhlaziyeke kwezi asethi zemali. Nokuba kwiintsuku ezimbalwa ukusukela kule mihla ukulayisha kwiimarike zezabelo zichazwa ngakumbi. Ayothusi into yokuba ungayityale imali yakho ngesiqinisekiso esikhulu kunakwamanye amaxesha onyaka.
Ngapha koko, ayisosicwangciso sodwa onokuthi usisebenzise ngeli xesha lonyaka. Kodwa ngokuchaseneyo, unokukhetha izahlulo isasazwa ziinkampani ezithengisa esidlangalaleni. Kuba ngeli xesha lonyaka kuxhaphake kakhulu ukuba olu lwabiwo mali lwenziwe. Ngokukodwa, ngeentsuku zokuqala zonyaka omtsha nezikhokelwa ziinkampani zombane ngokubanzi ezinxulunyaniswe nazo zonke iintlobo zamandla. Ngeli qhinga lilula uya kuba kwimeko yokufumana imbuyekezo kulondolozo lwakho ukuya kuthi ga kwi-6%. Ngokhuseleko lokuba le ntlawulo iyakwenziwa isebenze kwiakhawunti yakho yokonga.
Inkangeleko yeRally yeKrisimesi
Ukuba la maqela osapho abonakaliswa ngento ethile ngokubhekisele kwilizwe lemali, kungenxa yokuba ethandwa kangaka phantse uhlala evela Rally yekrisimesi. Kuwo onke amaxabiso, izabelo ziyaxatyiswa ngenxa yokutyhala kwabathelekisi. Yintshukumo engenalo ixesha elithile kwaye inokuhlala iiveki ezininzi. Kuxhomekeke kubunzulu bayo, ungaqhuba isicwangciso esinye okanye esinye sotyalo mali. Amathuba aphezulu ukuze ukwazi ukuphucula imida yenzuzo kwigalelo lakho lezoqoqosho kwezi ntsuku okanye kwezi veki.
Le rally isetyenziswa yinxalenye elungileyo yabatyali mali abancinci nabaphakathi abasebenzisa ezi holide zosapho ukwandisa ukuhamba kwabo kwiimarike zokulingana. Ayinamsebenzi ukuba leliphi icandelo ojolise kulo kuba lichaphazela phantse lonke ukhuseleko olwenza intengiso yaseSpain eqhubekayo. Nangona mhlawumbi ezona zinoburharha zezi zinempendulo ethe kratya kwezi ntsuku zamashishini ezingenanzala emisiweyo. Kwelinye icala, Awuyi kuvavanya ubuchwephesha okanye umba osisiseko yezi nkampani zidweliswe kwimarike yesizwe.
Qesha ingxowa mali exubeneyo
Enye inketho ekufuneka uyityalile imali kwezi ntsuku zikhethekileyo yimali efanayo. Kodwa ixesha elide kunelo ligutyungelwe zezi holide. Kodwa phakathi kwazo zonke ezi mveliso zezemali eyona nto ibonisiweyo mhlawumbi zezi iimali ezixubileyo. Kwipotifoliyo apho ii-equity kunye nee-asethi eziyimali zengeniso esisigxina zikhona. Ukuze ngale ndlela, ube ngcono ukwahlula iiasethi ezityaliwe ngelo xesha. Ngale ndlela, uya kukhuselwa ngakumbi kukungabikho kozinzo kwiimarike zezemali. Kuba kwezi meko, ilahleko iya kuncitshiswa ngokumangalisayo.
Olu didi lweemali zotyalo-mali lunethuba lokuba ungawaqesha ngexabiso elifikelelekayo kuzo zonke iintlobo zoqoqosho lwasekhaya. Ukusuka kwi-1.000 euro Unokwenza ngokusesikweni enye yeefomathi ezenziwe ziinkampani zolawulo eziphambili emhlabeni. Kuxhomekeke kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi. Ngeendlela ezahlukeneyo apho ngokuqinisekileyo yonke imimandla okanye imimandla yomhlaba ifakiwe. Ukusuka kummandla we-euro ukuya kwi-Mpuma-mpuma ye-Asiya kwaye phantse kungabikho zodwa.
Idiphozithi yenyanga enye kuphela
Ukuba ungumtyali mali okhuselayo, esona sisombululo sisiso kwimidla yakho senziwa ngedipozithi yenyanga enye. Ngale ndlela, uya kuqinisekisa ngaphezulu kwayo yonke iminikelo yakho, kodwa ufumane imbuyekezo encinci. Ngomyinge wenzala ukuya kuthi ga kwi-0,5% oya kuyifumana emva kokuvuthwa kwale mveliso yemali. Ngemirhumo evela kwi-100 euro ngaphandle kolunye uhlobo lweekhomishini okanye ezinye iindleko kulawulo nakulondolozo lwayo. Ngayo nayiphi na indlela, yimodeli yokonga ehlengahlengiswe kwezi holide zeKrisimesi. Ukuze emva koko uyiguqulele kwenye imveliso yezemali.
Ngayiphi na imeko, le mida inokuphuculwa ukuba unxibelelanisa le mveliso neeasethi eziyimali. Umzekelo, ezo zidityaniswe kwii-equities, izinyithi ezixabisekileyo okanye kwanezinto ezisetyenzisiweyo. Ukuze inzala ebonelelwe zezi dipozithi ibe nakho ukufikelela kumanqanaba asondele kwi-1%. Nangona oku kuya kuba yimfuneko ngokupheleleyo ukuba iimeko ezincinci ziyafezekiswa. Phakathi kwayo kubonakala ukuba amaxabiso okhuseleko angaphezulu kwamanqanaba amiselweyo ngaphambili. Ngayiphi na imeko, isithembiso asibanzi njengakwiidipozithi zemveli.
I-ETF esekwe kwimpahla yorhwebo
Ukuba ufuna ukuba nobugocigoci ukwenza ukonga kwakho kunenzuzo ngeli xesha lonyaka, akukho nto ingcono kunemali yothengiselwano. Kodwa kule meko, ngokusekwe kumnqakathi impahla eluhlaza egcina imeko ecacileyo yokunyuka. Into ongayi kuba nangxaki kuyo ukufumana eli bango. I-ETFs, yindlela ebizwa ngayo le mveliso yemali, ngumxube phakathi kokuthenga nokuthengisa izitokisi kunye neengxowa-mali. Kodwa ziluncedo ngakumbi kwixesha elifutshane njengeKrisimesi. Nangona kunjalo, kuya kufuneka unolwazi olukhulu lwezezimali ukuvula izikhundla kule modeli yotyalo-mali.
Ungayibhalisa kwimali ethobekileyo kunye neekhomishini ezingafuneki kangako kunakwimeko yotyalo mali. Nokuba yeyiphi indlela, enye yeenzuzo zayo kukuba unokukhetha iindlela ezahlukileyo zokurhweba ngemali ngokusekwe kwinto ekhethiweyo ekrwada. Eyona nto iphambili ekuqeshweni kukuba uninzi lwezi mveliso luya kufuna wena ukumisela ngokusesikweni kwenye imali ngaphandle kweyuro. Iya kuba sisenzo esiya kukudlela imali ethe kratya njengesiphumo seekhomishini ezikhoyo ezi mveliso zezezimali. Zenziwe ngokubanzi kwiidola zaseMelika, iiponti zaseBritane okanye nakwiifranc ezithile zaseSwitzerland.
Eyona nto ibheja kakhulu: iziqinisekiso
Eyona ndlela inoburhalarhume yokutyala imali kwiKrisimesi yile mveliso inzima ngakumbi kunezo sele zikhankanyiwe ukuza kuthi ga ngoku. Kungenxa yokuba kuphela yenzelwe iprofayili ethile yotyalo-mali. Apho ibalaselisa khona umnqweno wayo wokufumana imbuyekezo ephezulu kwimali ngexesha elifutshane kakhulu. Apho umngcipheko ukhona kuyo yonke imisebenzi. Kuba ngelixa kuyinyani ukuba unokufumana imali eninzi ukusukela ngoku ukuya phambili, unokuzishiyela ii-euro ezininzi apha endleleni. Mhlawumbi ngaphezulu kunokuba unokukuthwala ngoku.
Olunye umahluko olwenziwa yile mveliso yemali kukuba ungasebenza nayo kuzo zombini iindawo zokuthenga nokuthengisa. Unako ngayo uyilungelelanise kuzo zonke iimeko zentengiso yemali. Nokuba zezona zingathandekiyo kubo. Ngeziphumo ezinobundlongondlongo ngakumbi xa kuthelekiswa nezinye iimodeli zotyalo-mali ezichazwe apha ngasentla. Ngayiphi na imeko, kuphela ukuba iprofayile yakho inochuku, kuya kufuneka ubhenele kule modeli yotyalo-mali inzima. Kuba umngcipheko uhlala uhleli kakhulu kuyo yonke imisebenzi oza kuyiphuhlisa ukusukela ngoku.