Imveliso eyahlukileyo kwiprofayili nganye yomtyali mali

Ukwandisa utyalo-mali lwakho ukuya kwelona liphezulu, awuyi kuba nelinye inyathelo elingcono kunokukhetha eyona mveliso ilungileyo kwityeli ngalinye, okanye ngakumbi, ngokuxhomekeke kwiprofayile oyivezayo njengomtyali mali omncinci okanye ophakathi. Akunanto, baya kwahluka, kwaye nangonyango olwahluke kakhulu. Iya kuba lelinye lamaqhosha abaluleke kakhulu ekuqinisekiseni impumelelo yakho imisebenzi kwiimarike zezabelo.

Ukuba awufuni ukwenza iimpazamo ngokubaluleka okuthile kwiimarike, kuya kufuneka uhlengahlengise kolu luhlu. Hayi ngelize, iya kuba yiyo ekunika isikhokelo esifanelekileyo sokwenza nayiphi na intshukumo kwii-asethi eziyintloko zemali. Ukongeza, iya kuba sisicwangciso esichanekileyo khusela ukonga ngokufanelekileyo, nokuba unedosi esempilweni yeemarike zezemali. Awunakho ukuphoswa, ke, le nkqubo eya kuthi icwangcise isikhokelo sentshukumo ukusukela ngoku ukuya phambili.

Ukuze yonke into ikhule ngokweendlela eziyiliweyo, kuya kufuneka ngakumbi oko qala ukwenza iprofayile yakho njengomtyali mali. Ngokusekwe kwiinjongo zakho, imali efumanekayo, isigxina kunye nenqanaba lomngcipheko okulungeleyo ukuwuthatha kuwo wonke umsebenzi owenziweyo kwiimarike zezabelo. Iya kuba yeyona mfuno iphambili yokufezekisa le njongo yokuqala, engayi kuba yiyo ngaphandle kokwazi ukuba unjani ngenene njengomtyali mali.

Iiprofayili: amanqanaba ahlukeneyo

Ukuchonga iprofayili yakho akuyi kuba nzima kwaye kwaye Uyakwazi ukuyazi malunga nemizuzu embalwa. Ukuze, ngokusekwe kule nguqu, unokwenza ipotifoliyo eyoneleyo yotyalo-mali kwaye ngokuhambelana neempawu ozibonisayo. Usenokuba sele uyayazi, kodwa ukuba akukhange kubenjalo, ukusukela ngoku kuya kuba nzima kuwe ukuba uyazi le nxalenye yakho ibalulekileyo. Isibonelelo sokusebenza kwakho siya kubonakala, kwaye ukusebenza kwemisebenzi yakho kwiimarike zesitokhwe kunokunyuka kakhulu.

Ukuba ungomnye wabo banikezela uthotho lweeprofayili ezinoburharha, kuya kufuneka ubhenele kwezona ndlela zinobungozi kwezemali. Ayothusi into yokuba kulapho uya kuba nakho ukufumana imali engakumbi. Nangona utshintshisa ngamathuba okuphulukana nee-euro ezininzi apha endleleni, kwaye ngamanye amaxesha ngendlela eyingozi kakhulu kwimidla yakho.

Akucetyiswa ukuba kwenziwe ngokubanzi phantsi kweprofayili esemgangathweni nganye nganye eya kwabela iiasethi zayo kwibhola okanye ezinye iimveliso ezifanayo. Esona sibonelelo sikhulu sivela ulwenziwo ulwenziwo, kwaye yahlengahlengiswa kuzo zonke izinto ezichaphazela ubudlelwane bakho necandelo lemarike yemasheya.

Imveliso kuxhomekeke kwiprofayili

Kuya kubakho imveliso eyahlukileyo kulowo ngamnye kubatyali mali. Kwezona ndlongondlongo, kubandakanya nokucinga, kuya kubakho ukhetho kuyilo olutsha olwenzelwe ii-equities, kodwa nakwezinye iimarike. Iimveliso ezilungelelanisiweyo, iziqinisekiso, ukusebenza kwamatyala okanye ezinye izinto ziya kuba zezona zinokucetyiswa kula matyala. Umngcipheko uza kunyuka kakhulu, kodwa imbuyekezo inokuba yeyonelisayo.

Iiprofayili ezilondolozayo okanye ezikhuselayo, ngokuchaseneyo, ziya kukhetha ukufuna ukhuseleko ngaphezulu kwezinye izinto eziqwalaselwayo. Ngale ndlela, jonga ezona mali zikhuselekileyo kwiimarike zezabelo. Ukuza kumacandelo eshishini kunye nemigca eqinileyo yeshishini. Kwaye kwizihlandlo ezininzi bahambisa umvuzo ozinzileyo kwaye uqinisekisiwe unyaka nonyaka ngezahlulo. Unokuxela umyinge wenzala ophakathi kwe-6%.

Kwaye phakathi kwala manqanaba otyalo-mali ngabatyali mali abaphakathi. Zizo ezidibanisa ezinye zeempawu zeeprofayili zangaphambili. Bafuna ukubeka umngcipheko kwenye into kwizikhundla zabo, kodwa ngaphandle kokugqitha. Ayifikanga kuwo onke amanqanaba okuqikelela. Baye kwimisebenzi yokuthenga nokuthengisa izabelo kunye notyalo mali iimveliso eziphambili ukwanelisa iimfuno zabo.

Kananjalo abo batyalo-mali bangamaxesha okuqala okwenza uhlobo oluthile lomsebenzi wezezimali abanakulityalwa. Abo baya kwenza ukubhaptizwa kwakhe kwiimarike, kwaye abaqhotyoshelwanga naliphi na iqela. Banokukhetha nayiphi na kuzo, kuxhomekeke kulindelo olwenziweyo. Bayazamkela ke zonke iingcebiso zezinye iiprofayili zabatyali mali abancinci nabaphakathi.

Uza kuba njani lo nyaka kutyalo-mali lwakho?

Njengoko iprofayili yomtyalomali isiba ndlongondlongo ngakumbi, igalelo kwimisebenzi ayivulayo kwiimarike zezemali ziyanda. Ukufikelela kumanqanaba anokubandakanya yinxalenye ebaluleke kakhulu yelifa lakho. Nangona kunjalo, esi sicwangciso sithatha amanqanaba aphezulu kakhulu omngcipheko. Ngokukodwa ukuba kukho ukwehla okunamandla kwiimarike zesitokhwe.

Ngelixa abatyali mali abazikhuselayo belumke ngakumbi ngezixa abazenzayo. Bahlala benikezela kuphela inxalenye yolondolozo lwabo, kwaye loo nto kudityaniswe nokwenza ikhontrakthi kwezinye iimveliso zebhanki (iidipozithi zexesha, amanqaku ezithembiso, iibhondi zikarhulumente, njl. Ngandlela thile, kunokwenzeka ngakumbi ukuba bahlukanise umvuzo wabo wemali. Njengokuphela kwenjongo yokubakhusela ngaphezulu kwezinye izinto eziqwalaselweyo.

Kuphela ngabo bathanda umngcipheko omkhulu abanikezela lonke igalelo labo kwimisebenzi yokulingana, apho babalaselisa khona Ukufumana ezona mveliso zintsonkothileyo. Zonke iinjongo zichazwe kakuhle, kwaye ayikho enye into ngaphandle kokufumana ubuninzi beenzuzo ezinokubakho, kwaye ukuba kunokwenzeka ngeentsuku ezimbalwa, okanye ubuncinci iiveki.

Zeziphi iimveliso ozithengayo?

Ngoku lixesha lokucacisa ukuba zeziphi iimveliso ezithandwayo kubatyali mali abancinci. Njalo phantsi kwezihluzo ezikhankanywe ngasentla. Kwaye oko kuyakunika udidi lwenjongo ngakumbi ngolondolozo lwakho.

Iprofayili yokugcinaBatyala imali kwimarike yemasheya, kodwa phantsi kokhuseleko ngakumbi kunabanye abatyali mali. Iziko lalo lokusebenza lisekwe kwiidipozithi zebhanki kunye namanqaku ezithembiso, njengeemveliso ezibonelela ngokhuseleko olukhulu kwizikhundla zalo. Bajonge ubuncinci bembuyekezo, kodwa baqinisekisiwe unyaka nonyaka obanceda bonyuse iiasethi zabo kancinci kancinci. Abachaphazelekayo kuphononongo olukhulu, kodwa bangalahleki i-euro enye kwimali eseleyo yeakhawunti yakho yangoku. Kwaye abayilahli imali yotyalo-mali. Kodwa kuyo nayiphi na imeko kunye neemodeli zokuzikhusela ezivela kwiinkampani zolawulo. Zihlala zinxulunyaniswa nengeniso esisigxina, kwaye kwezinye iimeko ziye zikhethe ezo zohlobo oluxubekileyo. Kodwa abahambeli phambili kumabango abo.

Olunye lweempawu zalo kukuba iimeko zokuhlala zinde kakhulu, ngaphezulu kwesiqhelo. Bayathanda ukugcina imali ixesha elide, kodwa beqinisekisa imbuyekezo. Abazimiselanga ukuzama iimveliso ezintsha, kungasathethwa ke ngomngcipheko. Ulawulo lwakho kwiiakhawunti lucwangcisiwe kwasekuqaleni kokusebenza kwakho kulo naluphi na uhlobo lwentengiso yemali.

Iprofayile ephakathi: beza kuthatha umngcipheko ngakumbi, kodwa ukuba nje balawulwa. Ngenxa yolu phawu, zivulelekile kwiimodeli zotyalo-mali ezintsha. Baya kwimali-mboleko ngamacandelo exesha elifutshane kakhulu, apho imbuyekezo inokuba nesisa ngakumbi. Ngayiphi na imeko, bafuna ukubonelela ngokuguquguquka okukhulu kunye nokwahluka kunolunye uhlobo lweeprofayili. Iinjongo zabo zijolise kwixesha eliphakathi, nangona bengawanaki amanye amaxesha okusisigxina.

Ngaphandle kwayo yonke into, ngokungathandabuzekiyo bayathandabuza ukubhalisa kwiimodeli zotyalo-mali ezinobungozi ngakumbi, okanye ukulalanisa iphepha labo lokulinganisa. Zilunge kakhulu ukuqokelela izibonelelo zazo amaxesha ngamaxesha. Ukwazi ukonwabela i-whim yakho okanye ukwanelisa iimfuno zobuqu okanye zosapho. Kwaye abahlali baphambuka kwezi zikhokelo zokuziphatha, ngaphandle kokumbalwa.

Iprofayile enobundlongondlongo: olona lukhulu kuzo zonke, kuba izama ukufumana izibonelelo ngokukhawuleza. Apho ngaphandle kokuthandabuza ukuthembela kwiifom ezibanzi ngakumbi ezikuvumela ukuba ufumane imali eninzi ngexesha elifutshane. Ukusuka kule meko ikhetheke kakhulu, bakhetha iimveliso zezezimali ezinje ngeziqinisekiso, ii-ETFs, ezinye izinto kunye neempawu ezifanayo. Imingcipheko abayithathayo ngokucacileyo ibanzi kwaye ifuna ngakumbi.

Baye bathambekele ekukhangeleni ezinye iindlela zoqobo zotyalo mali. Akukho kunqongophala kweemarike zokulingana kumazwe aphesheya, okanye kumazwe asakhasayo ukuba kunjalo. Bazama ukusebenzisa onke amathuba oshishino avelayo. Ngaphandle kokukhathazeka malunga nokuguquguquka kwayo okanye ukuba banokwenza iimpazamo kulawulo lwayo. Kwaye ngaphakathi kweziphi iimali zotyalo-mali, akukho kunqongophala kwe izindululo ezinoburhalarhume, nakwimali engenayo esisigxina (iibhondi ezihlanganisiweyo, iibhondi ezinesivuno esiphezulu, njl. Ngamafutshane, bayathanda ukuzama izinto zexabiso zezemali, zalo naluphi na uhlobo kunye nohlobo.

Izindlela zokuchonga iprofayile yakho

Ukuba, ngaphandle kwayo yonke into, awukwazanga ukufumana iprofayile yakho njengomsebenzisi, uya kuba nethuba lokugqibela lokuyazi kwaye uhlengahlengise kwizinto zayo ezizodwa njengomtyali mali. Ngayiphi na imeko, baya kuqala kwezi ngcebiso zilandelayo siza kuthi siziveze ukuze ufezekise ezi njongo ziyimfuneko ekuchazeni iqhinga kwiimarike zezemali.

• Ukuphonononga iintshukumo zokugqibela ozenzileyo kule minyaka idlulileyo. Unokufikelela kwisigqibo esicacileyo malunga nokuba ungubani njengomsebenzisi wezezimali.
• Buza kwisithuba esisigxina osinikezela kutyalo-mali lwakho, kuba iyakucacisa ukuba ungowuphi na umsebenzisi wezemali. Ngaphezulu kunokuba unokucinga kwangaphambili.
• Kuya kufuneka uzibuze de amanqanaba omngcipheko onokufikelela kuwo. Iya kuba ngumbuzo ophambili ekufumaniseni ukuba kuya kufuneka ubuze ukucacisa imeko yakho.
• Ngaba uyaxhasa kwiimveliso ezibhalwe phantsi ezivela kwingeniso esisigxina? Ukuba kunjalo, uya kuba necandelo lokuzikhusela iya kugqiba lonke utyalomali oyenzayo kule mizuzu.
• Kuya kubaluleke kakhulu ukuba uqwalasele ukuba ingakanani ikapitali yakho unokucinga ngelahleko ezinokwenzeka. Iya kuba sisiqwenga solwazi esifanelekileyo ukubumba iprofayili yakho njengomtyali mali omncinci.
• Kwaye ekugqibeleni, ziphathe ngendlela oyiyo, ngaphandle kokuzama kwiimarike zezemali.