Uzigcina njani iindleko zotyalo-mali?

Lifikile ixesha lokuba ziqulathe iindleko zotyalo-mali kwaye le nyani inokuvela kumacandelo ahlukeneyo esiza kuwabonisa ukuze abatyali mali bakwazi ukumodareyitha kwimeko yokuntsonkotha okukhulu kubo bonke abasebenzisi. Ayisiyiyo kuphela eyokukhulisa imisebenzi yayo kwiimarike zezabelo. Kodwa nakwimikhwa yabatyali mali ngokwabo abaya kufuneka bayitshintshe Lungiselela ukuhamba kwakho ukususela ngoku ukuya phambili. Ngale ndlela, ekugqibeleni iziphumo kwiakhawunti yakho yokonga yanelisa ngakumbi ukuphela konyaka ngamnye.

Kwimeko apho abantu abaninzi beqhuba olu hlobo lomsebenzi njengesixhobo okanye ukuxhasa umvuzo wabo xa kungekho mvuzo ngenxa yomsebenzi wabo okanye umvuzo wobuqu. Apho, isithembiso esikhulu semveliso zotyalo-mali sithanda ukuphuculwa kwezindululo ezikhuphisanayo kunye neendawo zokusebenza kuzo zonke iimarike zezemali ezinokufikelelwa iindleko zoqoqosho ezifikelelekayo ngokufanelekileyo kuwo onke amakhaya, kwaye oko kungasebenza njengesiqalo sokuphumeza iindlela zokulondoloza kulo lonke utyalomali.

Ngale ndlela, akukho nzima ukuba ekupheleni konyaka ngamnye sinako ukugcina iimali ezibalulekileyo esinokuthi sabele abanye iimfuno zomntu okanye zosapho. Ngexesha apho ukugcinwa kweendleko kufanele ukuba yenye yezona zinto zichaphazela abaqhelekileyo kwizenzo zethu ukusukela ngoku. Kwaye ukuba ukuphela kosuku yenye yeenjongo zethu, ubuncinci kude kube yingxaki yezoqoqosho esele iqalile emva kokupheliswa kwe-coronavirus. Kungenxa yokuba, le njongo ifunwa ngabatyali zimali abancinci nabaphakathi inokufezekiswa ngotyalo-mali, ngakumbi ngeli xesha langoku.

Iindleko zotyalo-mali: iikhomishini

Ewe kunjalo, ukumka kwekhomishini kulo naluphi na uhlobo lweemveliso zemali ezinxulunyaniswe notyalo-mali sesinye sezona zinto zibalulekileyo kwesi sicwangciso sikhethekileyo. Kwelinye icala, kuyakufuneka ukuya kulowo nalowo kubo ukubonisa ukuba zeziphi na izigqibo ezizakuthathwa ukusukela ngoku. Kule meko, xa kufikwa ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya, asizukukhetha ngaphandle kokuya kwiimarike zesizwe zokulingana, ezo zibonisa amanqanaba okhuphiswano ngakumbi. Ngokuncitshiswa kweerhafu ezihamba phakathi kwe-20% kunye ne-30% Iyonke intsebenzo eyenziweyo. Ukusuka apho ingqokelela yenkcitho kulula kakhulu ukuyiphumeza kunye neziqinisekiso ezinkulu zempumelelo.

Ngelixa kwelinye icala, kufanele ukuba kukhunjulwe ukuba kukho ubhetyebhetye obukhulu ngokubhekisele kwiirhafu zekhomishini zokuthenga nokuthengisa imisebenzi kwimarike yemasheya. Ngokunikezelwa okuneendlela ezahlukeneyo ngokweearhente ezilungisa ezi zindululo kulawulo lokonga abanini bazo. Ngaphantsi kwezinye izaphulelo ezihambayo ukusuka kwi-3% kunye ne-10% Ngokusekwe kwizindululo zamaziko anoxanduva lokuzalwa kwezi khomishini. Ngokwenyani, unokukhetha phakathi kwekhomishini yeemarike zesizwe njengoko zibekwe ngaphandle kwemida yethu. Ngokwahluka okunokufikelela kumanqanaba ukuya kuthi ga kwiipesenti ezingama-20 kwaye ke oko kunokuba ngomnye wemithombo yethu yolondolozo kubasebenzisi bemakethi yesitokhwe.

Ukusebenza okuncinci kunye namandla amakhulu

Elinye icebo elinokuthi abatyali zimali abancinci nabaphakathi basebenzise ukwenza imisebenzi yeqela ibe mbalwa. Ngamanye amagama, kuhlala kukhethwa ukukhetha ukwenza imisebenzi yokuthenga isitokhwe enexabiso elikhulu kunemali kunye nokuqina okuncinci. Ngapha koko, uya kuba nakho ukujonga ukusukela kuloo mzuzu ukuba inkcitho yeentshukumo zokuphendula kanjani incitshiswe kakhulu. Ukuya kwinqanaba lokuba uya kuba nemali eninzi kwiakhawunti yakho yokonga kunokuba ubucinga njalo kwasekuqaleni. Akumangalisi ukuba oku kuphela kwemini yeenjongo ezathi indawo enkulu yabatyali-mali bazibeka xa bejamelene nolu hlobo lomsebenzi kwiimarike zezabelo.

Kwelinye icala, kufanele ukuba kuqatshelwe ukuba kule ndlela kuhlala kuluncedo kakhulu ukukhetha ngakumbi xa uthatha izikhundla kwiimarike zezemali. Akungombuzo wokutyala imali, kodwa ngokuchaseneyo lithuba lokujonga amathuba oshishino anenzuzo. Yindlela yokwandisa olu hlobo lotyalo-mali kuba kule minyaka idlulileyo asikhange sizisebenzise kwaye ke ibingomnye wemithombo yeempazamo zethu kwaye oko kukhokelele ekubeni siphulukane nee-euro ezininzi apha endleleni. Lixesha lokuba ufunde elidlulileyo kwaye eli lelona xesha lilungileyo lokutshintsha kwesicwangciso esinamandla.

Khetha iimveliso zexabiso eliphantsi

Ewe kunjalo, ayizizo zonke iimveliso zezemali ezisekwe kwiimarike zokulingana ezinenqanaba elifanayo kunye neekhomishini. Hayi kangako. Ukuba akunjalo, ngokuchaseneyo, unokufumana ukungafani okwahlukileyo phakathi kwenye kwaye unokufikelela kwi-30%. Ukusuka kweli nqanaba, enye yezona mveliso zinenzuzo yile Iimali ezithengiswa ngokutshintshiselana okanye ii-ETFs ezibonisa amanqanaba okhuphiswano ngakumbi kwimidla yabanini. Le yimveliso edibanisa imali eqhelekileyo kunye nokuthengwa nokuthengiswa kwezabelo. Ukuze ngale ndlela, babe nokuqulatha iindleko ekusebenzeni kwabo. Ngenzuzo eyongezelelweyo yokuba imali yokurhweba ngokurhweba inokubhaliswa, kokubini kwiasethi yemali esekwe kwii-equities kunye nengeniso esisigxina.

Iimali zotyalo-mali zinokuba yinzuzo ngakumbi ukuba siyayazi indlela yokukhetha imodeli efanelekileyo iimfuno zethu. Ngale ndlela, zezo zisekwe kwiimarike zesizwe ezibonelela ngeyona misebenzi mihle ngalo mzuzu. Ingakumbi ukuba zivela kwingeniso emiselweyo okanye kwiindlela zemali ukwenza ukonga kunenzuzo ngezi mali zotyalo mali. Ukuze ube kwezona meko zintle zokugcina iindleko kuyo yonke imisebenzi yakho kwiimarike zezemali. Hayi lilize, iyantlukwano phakathi kwenye okanye enye inokuba yeyona nto iphambili enokuthi ekugqibeleni ifikelele esiphelweni ngokufika kwesi sicwangciso kutyalo-mali lomntu ngamnye. Ngobunyani bokwenyani bokuba awunyanzelekanga ukuba uzinciphise nakweyiphi na iasethi ethile yezemali. Ukuba akunjalo, ngokuchaseneyo, ungaya kwiasethi yemali egcina imeko inyuke ngokucacileyo ngexesha lokwandiswa kweemarike.

Gcina kwii-commissions

Ingakumbi abatyali mali abenza imisebenzi emininzi ngonyaka, zombini ezijolise kwixesha elifutshane, eliphakathi okanye elide, banokusebenzisa amaxabiso entengiso yesitokhwe aqala ukuthengisa ngakumbi nangakumbi amaziko emali kwaye, avumela ukonga okubalulekileyo ngokweekhomishini. yemisebenzi eyenziweyo. Ixabiso layo liphakathi kwe-10 ukuya kwi-20 ye-euro ngenyanga, kwaye kumntu owenza imisebenzi emine ngenyanga, umzekelo, ukugcinwa kuya kuba Ingathetha malunga nee-euro ezingama-30 ngenyanga ngokomndilili, ekwanceda ukwandisa utyalo-mali.

La ixabiso elimthebelele Kwimarike yemasheya, ivumela umsebenzisi ukuba enze imisebenzi yokuthenga nokuthengisa njengoko befuna, njengoko kunjalo ngomnxeba okanye amaxabiso e-Intanethi. Nangona ukusetyenziswa kwayo kungasasazekanga kakhulu kwicandelo lezemali, ligubungela ikakhulu iibhanki kunye nabalamli bezemali, iibhanki zokonga ezisebenza nge-Intanethi kunye nabalamli bezemali. okanye abarhwebi, kuzwelonke nakwamanye amazwe, zezona zibonelela ngeemeko ezilungileyo. Ukuza kuthi ga kwinqanaba lokuba inkcitho inokuqulatha malunga neepesenti ezi-2 zembono iyonke yale misebenzi. Ngendlela elula kakhulu yokwenza naluphi na uhlobo lweprofayile kumtyali mali omncinci okanye ophakathi.

Ngokuthanda iimarike

Kuyo nayiphi na imeko, eyona ndlela yokonga kunye notyalo-mali lwethu ihlala ingubulumko kwaye ingenzi ngokungenangqondo nangokuchasene nengcinga yeemarike. Ukwenza oku, ngaphambi kokutyala imali yethu, kufuneka jonga indlela ezenziwa ngayo iimarike Iingxelo zezemali, jonga ukuba bavuka nini kwaye uqaphele ukuba bawa nini, kunye nohlobo lweendaba ezichaphazela ukuvela kwazo ukuze zisinike- nokuba ngendlela elula kakhulu - into eza kwenzeka kwiiseshoni ezilandelayo.

Injalo kanye loo nto, kwaye nje ukuba lonke olu lwazi lufunyanwe, xa sinombono wokuthelekiswa kwendlela olunokuthi luthathe lonke utyalomali lwethu. Uya kuba kwimeko yokuthatha isikhundla kuyo nayiphi na imveliso yotyalo-mali ehlaziyiweyo. Kwaye, ngokuqinisekileyo olu lwazi lokuqokelela ulwazi luya kuthi luncede abasebenzisi ukuba benze ukonga kwabo kubaluleke ngakumbi kwaye babhengezwe ngokuthenga okungcono kunye nentengiso, nezibonelelo ziya kuba phezulu.


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