Kufuneka kusoloko kukhunjulwa ukuba xa ilahleko yemali isenzeka kwiimarike zezabelo, kukusilela kwesicwangciso somtyali mali. Ngayiphi na imeko, kufuneka kukhunjulwe ukuba kukho iimeko ezithile apho le meko ingathandekiyo inokuthintelwa, ubuncinci incitshiswe. Ukwenza oku, kuyimfuneko ukuthatha uthotho lwamanyathelo okhuseleko ahluka ngokuxhomekeka kwiprofayili yomtyali ngamnye omncinci nophakathi. Ngeyona njongo iphambili ye gcina imali oyityalileyo kwaye ivelise enye ingxaki yokuhlawula amatyala kwi-akhawunti yokonga.
Ukuthintela imisebenzi engathandekiyo, kuyacetyiswa ukuba umtyali mali azifumanise ezona mfuno zabo zotyalo mali. Ke ngale ndlela, inokufunyanwa ukuba iprofayile yakho inochuku okanye iyazikhusela. Kwaye okubaluleke ngakumbi, yimfuno yokuhlawula amatyala oya kuyenzela ikamva ukuhlangabezana nezinye zeendleko zakho eziyimfuneko. Akukho nanye kwezi meko apho ukhuseleko olunexabiso elisezantsi kufuneka lithengiswe, ngaphandle kokuba kunzima ukuyifumana. Nangona kuya kufuneka ugcine engqondweni ukusukela ngoku ukuba uhlalutyo lobuchwephesha ngokubanzi lubonelela ngemikhondo malunga notshintsho lwendlela.
Ngoluhlu lweengcebiso ezi Kulula kakhulu ukufaka isicelo ungaziphepha ezi meko zihlazo kwabanye bethu. Kufanelekile ukuba uzenze kuba unokuba nemali eseleyo kwingxelo yakho yengeniso. Yintoni injongo oyifunayo emva kwayo yonke loo nto. Kungenxa yokuba awungekhe ulibale ukuba siphambi kwemarike yemasheya kunye nayo yonke into enolu hlobo lomsebenzi ichaza kwiimarike zezemali. Apho ungenakulibala ukuba ungaphulukana nemali enkulu ngexesha elifutshane kakhulu.
Ukunga thengisi: ukungabinamonde
Ewe ukuba nomonde kwiimarike ze-equity kunokukunika ngaphezulu kovuyo olunye ukusukela ngoku. Ayothusi into yokuba, inxenye elungileyo yeempazamo eziye zenziwa xa kuthengwa kuhamba kungxamiseko lokwenza lo msebenzi. Ukuze ndi unemali kwi-akhawunti yangoku, ahlawule amatyala asekhaya okanye ajongane neendleko ezingalindelekanga. Ukuya kwinqanaba lokuba ungakhokelela ekubeni uzenze ezibonakalayo ezi odolo ngokukhubazeka. Xa unokubona ukuba ulibazisile ukusebenza ngewenze ngcono ngokuthengisa izabelo.
Ngelixa kwelinye icala, awungekhe ulibale ukuba ukuthengisa okungalunganga kunokubangelwa kukuswela ulwazi lweemarike zezabelo. Kwaye phambi kwe ukunqongophala kwedatha uyachaphazeleka ekwenzeni le ntshukumo. Ukuthintela le meko ingafunekiyo kubatyali mali abancinci nabaphakathi, awuzukukhetha kodwa ungabinamonde, nokuba uyabona ukuba utyalomali lwakho aluphuhlisi njengoko ubucinga ekuqaleni kokuthatha izikhundla. Kuya kufuneka ucamngce ngalo msebenzi ngaphambi kokuwenza kwaye ukuba kunyanzelekile ukuba ubale amaxesha amaninzi ngaphambi kokwenza le nto inokuchasene nomdla wakho. Ekupheleni kosuku kuthini malunga nezi zihlandlo.
Musa ukuthengisa kwii-uptrends
Kwelinye icala, kuya kufuneka uthathele ingqalelo ukusukela ngoku ukuya kwenye ukuba yenye impazamo enkulu ukwenza ukuthengisa kwimihla ngokwesiqhelo amava ahlukileyo khawulezani ukunyusa. Le yinto eyenzeka rhoqo kumatheko eKrisimesi. Apho amaxabiso esitokhwe ahlala khona Ukuhlaziya phakathi kwe-5% ne-10%. Phantsi kwazo naziphi na iimeko akufuneki ubenesicwangciso-qhinga sotyalo-mali sokutshintsha izikhundla ngala maxesha onyaka. Ngokuqiniseka konke ukuba ngexeshana elifutshane uya kuzisola ngokwenza isigqibo esibi kwiimarike zezemali.
Njengokuba inomdla kakhulu into yokuba amaxesha amaninzi unokuzivumela ukuba ulawulwe yi-inertia yeemarike zezemali kwaye uphulukane nohlaziyo olunokubakho onokuthi uluvelise kwipotifoliyo yezokhuseleko. Le yinto eqhele ukwenzeka phakathi kwabatyali mali abancinci nabaphakathi abanayo ukufunda okuncinci Kule klasi yokusebenza.
Kukwakho ukuvavanywa kwento onokuzithengisa ngayo izabelo ubuncinci ukubuyela umva onako kwiimarike zezabelo. Ngeziphumo ezibi ngokupheleleyo ukukhusela umdla wakho njengomsebenzisi wesitokhwe onjalo. Ezi meko kufuneka zithathelwe ingqalelo ukusukela ngoku ukuphelisa ukungazinzi kwiinkqubo zotyalo-mali lwakho. Akumangalisi ukuba kukho imali eninzi ongcakaza ngayo ngale misebenzi kwimarike yemasheya.
Khetha elona xesha lilungileyo lonyaka
Ezinye zezi ndlela zobuchule kwaye, kwiimeko ezininzi azikho ngqiqweni (kodwa zisebenza ngendlela efanayo) zezo zikhuthaza ukuthenga nokuthengisa ngokuxhomekeke kumhla, inyanga okanye ixesha lonyaka kwaye, ezi zilandelayo. Ngale ndlela, isihluzo sokwenza imicimbi kwintengiso yesitokhwe isekwe ekukhetheni usuku lwenyanga apho ukuthengisela khona ngokusesikweni. Amaxabiso ezokhuseleko zihlala zinyuka ngeentsuku zokuqala zenyanga nganye. Ke, ukuba ithengiwe kwiveki ephelileyo kwinyanga ephelileyo kwaye ithengisiwe kwiveki yokuqala yenyanga elandelayo, umtyali-mali unamathuba amaninzi okwenza inzuzo kutyalo-mali lwakhe ngexesha elincinci kwaye, ngendlela elula ukwenza lo mkhuba.
Kwelinye icala, ungasenza esi sicwangciso-mali ngokuxhomekeke kwimihla yeveki yokwenza lo msebenzi kwiimarike zezemali. Ngale ndlela, uLwesibini, uLwesithathu kunye nooLwezine ngokubanzi bazinzile, akukho oscillations enkuluNgelixa ngeMivulo banobungqina obucacileyo be-bearish kwaye ngolwesiHlanu iyonyusa. Kowokuqala kuba ulinde ukuba ivule njani Idonga isitalato kwaye, usuku lokugqibela lweseshoni yorhwebo, kuba kuhlala kukho iintshukumo kwicala le okanye abarhwebi Phambi kwempelaveki, apho ukuthengisa kwenziwe ngokusesikweni. Apho, ukuba kukho icandelo elibuthathaka kakhulu ngalo mzuzu, ayikho enye ngaphandle kwebhanki. Kukumanqanaba asezantsi okugqibela