Esinye sezona zitshixo zokuthatha isigqibo sokwenza utyalomali olufanelekileyo luhlala ngaphakathi unemfundo efanelekileyo yezemali ukukunceda ukuhambisa imisebenzi yakho kwiimarike ze-equity. Iya kuba yinto ebaluleke kakhulu ekuqhubeni inzuzo kwiintshukumo nganye oziprintayo kwicandelo lotyalo-mali. Nangona kunjalo ukuphelisa imikhwa ethile emibi eyingozi kwimarike yemasheya, ngakumbi kubatyali mali abanamava amancinci kwiimarike.
Inkcubeko okanye imfundo yezemali ifunyanwa ngothotho lolwazi, kwaye kutheni kungenjalo, ikwakhona amava afunyenwe ngokusebenza kweemarike zentengiso. Uninzi lwazo luya kuvela kubudlelwane obucekeceke kunye necandelo lezemali. Kwaye ungaphulukana nenxalenye yolondolozo lwakho ngaphambi kokuba uzilungiselele ngokufanelekileyo ukusebenza kwimarike yemasheya kunye neziqinisekiso ezincinci.
Xa uthetha ngemfundo ethile yezemali, umthombo wokuqala wokuyifumana iya kuba Inxalenye yethiyori malunga nokuziphatha kweemarike zezemali, kunye nendlela yakho yokusebenza kuzo. Iya kuba ngaphantsi komgangatho obalulekileyo ukuvula ifayile ye- kwizikhundla eziphezulu kwiimarike zezabelo. Siza kukucacisela ngeli nqaku ukuba ungayenza njani ngokusesikweni, kwaye zeziphi iimfuno oza kuzifuna ukufezekisa ezi njongo.
Ungayifumana phi imfundo yezemali?
Ukuba awukho kwimeko egqibeleleyo kuba uswele isiseko senkcubeko yezemali ukuthatha inyathelo lokuqala kwaye utyale imali oyigcinileyo kwezi ntlobo zeemarike zezemali, awuzukukhetha ngaphandle kokulungiselela i-ajenda encinci apho olu lwazi luvela khona. Ungayiphumeza njengoko uzifundisile, kwiakhawunti yakho kwaye ulandela isingqisho esikufanela ngokweempawu onokuzibonisa njengomtyali mali omncinci onguye.
Iya kufuna ukuzinikezela ngokuyinxenye, kodwa kwangaxeshanye rhoqo ukuze uqonde zinjani iimarike zezemali nendlela onokusebenza ngayo. Kuya kuba yimfuneko ukuba uziqhelanise nawo onke amanani aphinda ashiye amaxabiso kwiitshathi zawo. Kwaye oko kuya kuba kubaluleke kakhulu kuhlalutyo oluneenkcukacha kakhulu lwale nxalenye yotyalo-mali.
Unokulufumana njani olu lwazi? Sele sikuxelele ukuba nguwe wedwa, kodwa ukuze babe nokuchaphazeleka okukhulu unokuya kwabaninzi Izifundo kunye neesemina ezenziwa ziibhanki kunye nabathengisi bemasheya, apho zichazwe kuwe ezi nkqubo. Kwaye okubaluleke ngakumbi, zizifundo zokuqala zokutyala imali onayo kwiakhawunti yakho yokutshekisha. Bahlala bekhululekile, ngaphandle kokuba wenze nayiphi na inzame yezemali ngoncedo lwabo.
Ukufundisa usebenzisa amajelo akwi-intanethi
Ungangabinalo ixesha lokuya kwezi khosi kwimarike yemasheya, okanye ufuna ukubekela bucala ixesha lezinye izinto ezinxulumene nelizwe lotyalo-mali. Sukuba nexhala kakhulu, kuba uninzi lweebhanki zinolona lwazi lubalulekileyo kuzo Amaqonga e-Intanethi. Ngenxa yesi sicwangciso, uya kuba nakho ukufumana ulwazi lwakho lokuqala malunga nemarike yemasheya kamnandi ekhaya, kwaye ngexesha elilungele wena, kuxhomekeke kubume bekhadi lakho.
Ezi zifundo zincinci ziya kuba sisizathu esifanelekileyo sokuthatha amanyathelo okuqala okukuqeqesha ukuba ube nemfundo yezemali. Akunakuba lilize, baya kuba njalo iluncedo kakhulu ukuhambisa ulawulo lokonga kwakho xa uvula izikhundla kwisitokhwe samasheya, amacandelo okanye ii-indices. Kwaye unokufaka isicelo, zombini kwiimarike zikazwelonke nezamazwe aphesheya. Kufuneka ubonakalise ulwamkelo olukhethekileyo kwezi mfundiso.
Baza kukunika isikhokelo sokuqala sendlela ekufuneka uziphathe ngayo kubudlelwane obusondeleyo kunye neemarike zezemali. Ayisiyongxowa kuphela, kodwa nezinye iindlelaiimali, izinto ezingavuthiweyo Uya kuba nakho ukuqaphela iziphumo zayo kancinci kancinci, njengoko usamkela iikhonsepthi abakunika zona kwezi zifundo zoqeqesho kwimarike yemasheya.
Ukuzama ukusebenza
Nje ukuba ukulungele ukuqhuba imisebenzi yokwenyani, awuzukukhetha ngaphandle kokuyiqhuba ngokulinganisa. Ngaphandle kokubeka emngciphekweni i-euro enye kuyo nayiphi na imisebenzi ye-equities. Kukho izixhobo ezinikwe amandla ziibhanki ezithile kunye namaqonga e-intanethi avumela ukusebenza okulingisiweyo kwimarike yemasheya. Ungazibeka ngokusesikweni okoko ufuna, kwaye ude ubone ukuba wenze inkqubela phambili kwimibutho oyikhuthazayo kwiimarike zezemali.
Awuyi kudlala imali yokwenyani, imalunga imisebenzi ebonakalayo yenzelwe bona ukuba bafunde ukusebenza njani kwiimarike zokulingana. Kwaye kuyo nayiphi na imeko baya kukunika amava ayimfuneko ukuze wenze umtsi omkhulu kwiimarike zokwenyani. Utyala imali yakho kwaye ulawule yonke intshukumo.
Iya kuba yinxalenye yenkqubo yokufumana imfundo enkulu yezemali yokutyala imali oyigcinileyo ngayo nayiphi na imveliso yezemali: ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya, ikamva, iziqinisekiso, iimali ezithengiswayo, njl. Kuphela kuyakufuna ukuzinikezela okuncinci, kwaye ngaphezulu kwayo yonke into intando eninzi yokuba ngumtyali mali omncinci oya kuthi ukusukela ngoku abenethuba lokwenza ukonga kwakhe inzuzo, ngempumelelo enkulu okanye encinci.
Ulwazi malunga nokhuseleko
Elona candelo linzima kule nkqubo yokufunda imfundo yezemali lihleli, kwaye inokuba yeyona nto ikubiza kakhulu ukufezekisa. Kwaye ayisiyonto ngaphandle kokuzama ukuqonda ukuba ungasebenza njani neenkampani ezenza eyona indices zemarike yestokhwe. Awunakukhetha ngaphandle kokubona indaleko yabo kwintengiso yesitokhwe, kwaye kunjalo nakwimigca yeshishini abazinikele kuyo.
Akumangalisi ukuba, into eluhlaza okwesibhakabhaka kwimarike yaseSpain ayizukufana neenkampani ezincinci ezidweliswe kwiindices zesekondari. Ezi zokugqibela zifuna ukufunda okungakumbi ukuba kuphela abatyali mali abanamava abanokukunika. Ukuba ayisiyiyo imeko yakho, kungcono ungabikho kwimisebenzi yabo de ube uyaqonda ukusebenza kwabo. Zininzi iingozi ezinokuthi zenze iintshukumo zazo.
Emva kwala manyathelo, iya kuba lithuba elifanelekileyo lokuba uphonononge ngakumbi kwiimpawu ze Amasheya athengisa ukhuseleko. Ubuncinci kwiqela elikhethiweyo elinokwenzeka ukuba liqalise iintshukumo zakho. Ngalo lonke ukhuseleko, ukuba emva kweentsuku ezimbalwa zokuwenza lo msebenzi, uya kuba nakho ukusebenza kwiimarike ngokukhululeka okukhulu, kunye neziqinisekiso ezithile zokukhusela igalelo lakho lemali.
Ulwazi lweemveliso zemali
Ixesha lifikile lokuba unikezele ixesha lakho elincinci ukuze ufundisise ukuba zinjani kwaye ziqulathe ntoni. iimveliso ezahlukeneyo zemali enikezelwa ziibhanki kunye nabalamli ukuba basebenze kwiimarike zezabelo. Iya kuba yindlela eyahlukileyo yokwandisa inkcubeko yakho yezemali. Ukongeza, baya kunika ithuba lokulinga nabo ngokusebenzisa imisebenzi ebonakalayo, ngaphandle kokutyala i-euro enye.
Kuya kufuneka ukhumbule ukuba ezinye zeemveliso zinzima kakhulu kwaye zifuna inani elithile lokufunda kwelakho icala. Akunanto, ungaphulukana nemali eninzi kulo msebenzi ngamnye. Kwaye nokuba yeyiphi na imeko ayifanelekanga kuzo zonke iiprofayili zabatyali mali, kodwa kuphela zezona zinamava kwicandelo lotyalo-mali.
Ukuba uyafuna unganika ngokubaluleka kokusetyenziswa kwezi modeli zotyalo-mali, Kuxhomekeke kwiimfuno zakho zokwenyani. Ayizizo zonke ezifanayo, kwaye bafuna ulwazi oluthile ekufuneka ulwenzile ngaphambi kokutyikitya kunye neziqinisekiso ezincinci. Ewe, iya kuba yeyona ndlela ilungileyo yokuqala ukusebenza nabo, kunye nokuphelisa uthotho lomngcipheko oveliswa zezi modeli.
Izitshixo zokuqalisa kwimarike yemasheya
Nje ukuba uyongeze imfundo yakho yezemali, uya kubanakho ukuqala imisebenzi yakho, ngaphandle kwezikhuselo ezithile zokukhusela ulondolozo lwakho. Kwaye apho, ewe, awuyi kukhululeka nakweyiphi na impembelelo embi enokuthi ivele kwimisebenzi yakho. Khumbula ukuba imarike yemasheya ayisiyiyo inzululwazi ekhululiweyo, kwaye nantoni na inokwenzeka. Akukho ngqiqweni yokuqonda indlela abaziphethe ngayo.
Ukusuka kule ndlela ngokubanzi, kuyakuhlala kulungile ukuba usebenzise uthotho lwezikhokelo eziya kuba luncedo kakhulu ukuze ukwazi ukwenza imali oyongayo. Kwaye baya kuqala kwezi meko zilandelayo siziphakamisa kuwe ngoku.
- Imalunga fumana lonke ulwazi ngaphambi kokungena kwiimarike ze-equity, nokuba oko kuthetha ukulibaziseka ekuvuleni izikhundla zakho.
- Ungasebenzisa iindlela ezahlukeneyo ukuzixhobisa ukwanda kwemfundo yezemali, Ukusuka kwizixhobo ezibonelelwe yibhanki yakho, ukuya kumaqonga akwi-intanethi anikwe amandla okutyala imali kwimarike yemasheya.
- Okukhona kukho ubunzima beemveliso zemali, lukhulu ulwazi oluya kufuneka ulufumane, kukuthatha iintsuku ezininzi kulo msebenzi unzima omiselwe kutyalo-mali.
- El kufunda Iya kuba sesinye sezitshixo ekufuneka usenzile ukufezekisa iinjongo zakho, akukho mizamo mininzi kwicala lakho. Kwaye unokwenza nokuba usebenze ngokusesikweni ngokusebenza ngokukuko.
- Ukuba awuyazi into oyityalayo kwimarike yemasheya, ungangcono yeka imizamo yakho ukufaka idipozithi yokonga ubomi bonke. Iya kuba yinto omele uyilahle kunokuba uphumelele. Ungalibali ngaphezulu kwezinye izinto eziqwalaselweyo.
- Ithamsanqa alikho kwii-equities, kodwa endaweni yoko a Ulwazi lweemarike zezemali Iya kuba ngabo abakunika izikhokelo ezifanelekileyo zokungena kunye nokuzikhupha rhoqo.
- Ngaphambi kokutyala imali, cinga malunga nento ofuna ukuyenza ngemali yakho. Akunanto, Ubeka esichengeni icandelo elibaluleke kakhulu kubutyebi bakho. Kwaye ayizukuba ngumbuzo wokuyichitha ngeeyure ezimbalwa. Musa ukulibala ukuba ibhegi yinto enzulu kakhulu engajoliswanga kuzo zonke iiprofayili zabasindisa. Ngaba ityala lakho?