Ukuba kukho amanani athile okubaluleka okhethekileyo kuhlalutyo lobuchwephesha kwiigrafu, ayikho enye ngaphandle kwemigangatho nophahla Izabelo zesitokhwe samasheya, amacandelo kunye nezalathiso. Ukuza kuthi ga kwinqanaba lokuba baya kukunika ezona zikhokelo zibalulekileyo ukuze uvule kwaye uvale ukusebenza kwiimarike zezemali. Ke ngoko, sesinye sezixhobo ezisebenzayo onazo ngalo mzuzu ukwenza ukuba intshukumo yakho izuze kwimarike yemasheya. Ngaphezulu kwezinye iindlela ezingathembekanga kwaye zikunika ukuthembakala okuncinci kwiziphumo.
Baninzi abatyali mali abancinci nabaphakathi abakhetha oku imodeli yohlalutyo ukumisela ipotifoliyo yotyalo-mali lwakho ngesiqinisekiso esikhulu sempumelelo. Kuba, enyanisweni, bakunika isisombululo esiphakamileyo kwiingxaki ezivela ngalo lonke ixesha ungazi ukuba wenzeni kubudlelwane bakho neemarike zentengiso. Ayothusi into yokuba baya kukunika umkhondo obalulekileyo wamanqanaba apho kunyanzelekile ukuba uthenge kwaye uthengise izabelo kwiimarike zezemali. Ayizukufuna ulwazi oluninzi ngawe, kuba ukufunda kolu hlobo lohlalutyo kuya kwanela.
Ukusuka kolu luvo, uya kuba nakho ukutyala imali ngendlela engcono kwaye wenze ukonga kwakho kunenzuzo ngokhuseleko olukhulu. Ngandlela thile, uya kuba ukukhusela imali yakho ngesicwangciso esikhuselekileyo sokutyala imali. Ikwabonelela ngothotho lweempawu eziluncedo kakhulu eziza kukunceda ubonise imeko yokwenyani yezokhuseleko, icandelo okanye isalathiso sesitokhwe. Kwaye yeyiphi eyona nto ibaluleke kakhulu kwimidla yakho yobuqu: umzuzu xa kufuneka wenze ukuba imisebenzi yakho ibe semthethweni kwizabelo.
Yintoni imigangatho kunye nesilingi?
Okwangoku xa uthetha ngemigangatho yesilingi ubhekisa kwelinye lawona macandelo afanelekileyo e- umjikelo wentengiso. Kungenxa yokuba, kunjalo, kuzo zonke iimeko inqaku lokunyuka ngokunxulumene nelangaphambili. Kuxhomekeke kwenye okanye kwenye intshukumo kwikoteyishini yamaxabiso abo. Kwelinye icala, ikwagcina ikhonkco elithile kunye imijikelo yeshishini. Kuba ubudlelwane busondele kakhulu kwaye phantse bahlala bekulindele imeko entsha yezoqoqosho, ngandlela ithile okanye enye.
Ngokubhekisele kwimigangatho yentengiso yemasheya, zenza olona phawu lucacileyo lokuba ukudodobala kuphelile. Ngenxa yale meko, uya kuba kwezona meko zilungileyo bathathe izikhundla kwiimarike zezabelo. Ngamathuba aphezulu okuba ungafumana iingeniso ezinkulu zemali ngokuhlaziywa kwamaxabiso. Ngesizathu esicace gca kwaye yile yokuba uza kuthenga izabelo ekuqaleni kwendlela entsha kwizabelo. Uya kuba neenyanga ezininzi zokuxhamla kule ndlela intsha.
Kwelinye icala, uphahla lwenziwe njengohlobo lwe intshukumo echasene ngokupheleleyo. Oko kukuthi, xa kukho izinto ezichasayo ezingasenakubethwa. Kwaye ngenxa yesi senzo, utshintsho lwendlela luyakhuthazwa. Kule meko, ukusuka kwi-bullish ukuya kwi-bearish. Ngumzuzu ekufuneka uthathe ithuba lokushiya ngokukhawuleza izikhundla zakho kukhuseleko oluchaphazelekayo. Iya kuba yindlela efanelekileyo kakhulu yokukhusela iinzuzo ezinkulu ezivelisiweyo ukuza kuthi ga ngoku. Ukuze oku kube njalo, awuzukukhetha ngaphandle kokuba wenze ngokuzimisela okukhulu kwaye ungachaphazeleki nokuncitshiswa kwamaxabiso.
Ukuyilwa kwamanani okulala
Nangona kunjalo, kuya kufuneka unike ingqalelo ekhethekileyo ekubunjweni kwabo kuba isenokuba yimeko yokuba yimigangatho yemigangatho yokulala kunye nophahla, nangona ingeyoyona ixhaphakileyo. Kuba kwasekuqaleni bavela ixesha elide kunokwakheka okuqhelekileyo. Ukufikelela kwinqanaba lokuba ngenxa yothotho lwezinto ezinokubangela ukuba benze umgangatho okanye isilingi iminyaka emininzi. Kule meko, akufuneki bakukhathaze ngokugqithileyo kuba zigcinelwe ixesha elide lokuhlala. Kuphela ngabatyali zimali abancinci nabaphakathi abaza kudityaniswa kwezi ntengiselwano.
Awunakulibala ukuba la manani obuxoki afunyanwa ngokulula kwiintsuku nje ezimbalwa zokuphuhliswa. Isalathiso esincinci sokuqonda oku kubangelwa kukuba babonisa umthamo wesivumelwano esilawulwa ngakumbi kunye neempawu ezifanayo kunakwiseshoni zangaphambili zorhwebo. Sesona sitshixo siluncedo kakhulu ukwazi ukuba uyintoni kwintengiso yemasheya kwaye kufuneka wenze ntoni ukusukela ngoku. Ngaphandle kwenjongo enye kukufumana imali oyigcinayo ngesiqinisekiso esikhulu sempumelelo.
Zisixelela ntoni iirafu?
Okokuqala, kubaluleke kakhulu ukuba uyazi ukuba ujongene nentshukumo ye-pendulum ebonisa ngokuqiniseka okukhulu kunye nokuchaneka ukuba usondele kakhulu kubuninzi okanye ubuncinci. Into ebaluleke kakhulu enokukunceda utshintshise utyalomali lwakho kwisicwangciso esichazwe kakuhle ekufuneka usenzile. Kuba ngenene, xa in ukuwa simahla okanye ukunyuka, unethuba elihle lokuba ukuphakama okutsha kunye neelows kuya kwenziwa kwisicatshulwa. Nangona kuya kufuneka uzibuze ukuba yintoni okanye baya kuba yintoni ngokungapheliyo
Njalo utshintsho luya kuza oko kuyakubangela utshintsho olukhulu kumgangatho wexabiso. Ngawo nawuphi na umzuzu kunokwenzeka, nokuba kulindeleke kancinane kwelakho icala. Le yindlela esebenza ngayo ixesha elininzi. Kungenxa yokuba intshukumo ayinakulindeleka ngokupheleleyo, njengoko kuchaziwe kubahlalutyi abaninzi bezezimali. Ekupheleni kosuku into esithetha ngayo yimarike yemasheya. Akukho nto ingaphantsi kwemarike yemasheya kwaye zininzi i-euro ongcakaza ngazo kwindlela yeemarike zezemali.
Ngawo, ke, ngamanani afanelekileyo anokukunceda ekubumbeni ipotifoliyo yakho nakwezona meko zingathandekiyo kwizabelo ngokubanzi. Ngesizathu esilula kakhulu sokuchaza kwaye ayikho enye ngaphandle kwe ukuthembeka okukhulu inikezwe ngale ndlela yohlalutyo ekhethekileyo. Ukuya kwinqanaba lokuba unokuzithemba ngakumbi emva kokwenza izigqibo, ngandlela thile. Oko kukuthi, ngalo lonke ixesha ujonga ukuthenga okanye ukuthengisa ngokusekwe kwinto ephawulwe linani elivela kwitshathi yakho.
Ubude beentshukumo zakho
Ewe, enye yemiba eya kukunika umdla kakhulu yindlela eya kuthi nganye kwezi ntshukumo ivelise. Kuba ngokwenyani, baya kuba khomba ngaphezulu kokufunekayo ukuze ulinganise ixesha lokuhlala apho utyalomali lwakho lujolise khona. Kuba inokuba mfutshane, iphakathi okanye inde, kuxhomekeke kubunzulu bayo. Ukubonelela ngolwazi ngokubaluleka okhethekileyo ukwazisa ukuthatha izigqibo kwicala lakho. Ngale ndlela, kulungile ukuba uyazi ukuba inqanaba lokuthembeka akubalulekanga njengakwimeko yangaphambili esele ivakalisiwe.
Ewe, iisilingi okanye imigangatho ayinalo ixesha elithile. Okanye ubunokumisela ngokuchaneka okukhulu. Ngale ndlela, ayizukuba yidatha ebaluleke ngokukodwa enje ukuphembelela izigqibo zakho malunga nento ekufuneka uyenzile kwiimarike zesitokhwe. Into ekuya kukunika yona yimbono encinci malunga namaxesha okusisigxina ekufuneka uprinte xa uthenga izabelo kwizabelo. Ngaphezulu kwayo nantoni na, ngamafutshane, yintoni isihloko esibonisa ngaphezulu kwayo nayiphi na into nangaphezulu kokunye ukuthathelwa ingqalelo.
Kuyinyani ukuba uphahla lwentengiso luhlala ixesha elide kuneenyanga. Kungenxa yokuba ngexesha lenkqubo yokuhambisa kukho inani elikhulu labatyali mali abashiya kwaye bangena kwiimarike zemali. Ngenxa yolu phawu lubalulekileyo, kuthatha ixesha elide ukukhula. Kodwa kwangaxeshanye, ixesha elihlala ixesha elide lide kakhulu. Ngayiphi na imeko, yindlela ethile enzima kubatyali mali abancinci nabaphakathi abanamava amancinci kwiimarike zezemali.
Zingasetyenziswa njani?
Okokuqala, usenokuzibuza ukuba la manani akhethekileyo anokuziphucula njani izikhundla zakho kwizabelo. Ewe, ukuba uwachonga ngokuchanekileyo la manani, ungazisebenzisa ezinye iibhonasi kumaxabiso athengiweyo. Ngenxa yesicwangciso esivela kwi ukuthengwa kwezabelo ezikhethiweyo. Ngamanye amagama, ngamaxabiso okuthenga akhuphisana ngakumbi anokukhokelela kwinzuzo engcono kwimisebenzi yakho kwiimarike zezabelo.
Ngayiphi na imeko, zizifom ezicetyiswa ngakumbi Imigangatho eyandisiweyo yokuhlala. Okanye yintoni efanayo, kwiiprofayili zabatyali mali abancinci abanolwazelelelo kunabanye. Kodwa ukuba into ofuna ukuyinyusa ziintshukumo zokuqingqa, sukukhathazeka kuba ekugqibeleni ayizukukwenza kakuhle okanye ubuncinci kakhulu. Unamanye amacebo asebenza ngakumbi kwezi meko zibakho kwimidlalo yakho yesiqhelo.
Elinye igalelo eliphambili onokulufumana kumgangatho wexesha elide nakwisilingi kukuba zithetha ukungeniswa kwezicwangciso zotyalo-mali ezingenabundlobongela ngokugqithisileyo okanye eziyingozi. Ngokuchasene noko, zibangela ukuba uthathe imigca yezenzo ezilumkileyo ezinobungozi obuncinci kwimidla yakho. Kuzo zonke, kunjalo isigqibo esiya kuxhomekeka kuphela kwiinjongo zakho kwintengiso yesitokhwe. Ayikho enye into onokuyisebenzisa ngempumelelo ukusukela ngoku. Ngexesha elibonwayo phakathi konyaka omnye ukuya kwemithathu. Eli lelona xesha licetyiswayo lokujonga iziphumo ozifumeneyo kwizikhundla zokuvula nakweyiphi na kwisitokhwe sikazwelonke nakwamanye amazwe.