Ilizwe lemali likunika ithuba lokutyala imali kuyo nayiphi na iasethi eyimali. Nokuba yeyiphi na, nokuba yeyiphi eyona nto ingoyena ndoqo kunye neendlela ezintsha. Sisibonelelo sokuqala sokwamkela esi sicwangciso kutyalo-mali. Enye yezi ezinye iindlela unayo kwimarike yotshintshiselwano lwangaphandle. Yimarike eguqukayo kwaye esebenzayo evumela ukuba uvule izikhundla kwiimali zalo naliphi na ilizwe okanye indawo yejografi yamanye amazwe. Nangona ngaphandle kokuxolelwa emngciphekweni awuyi kufuna ukuthoba. Ngamaxesha apho uthatha isigqibo sokutyala imali oyigcinileyo.
Ungatyala imali oyigcinileyo ukusukela ngoku kwezona mali ziphambili zehlabathi (i-euro, idola yaseMelika, iFranc yaseSwitzerland okanye iJapan yaseJapan phakathi kwezona zibalulekileyo). Kodwa nakwezinye ezingaziwa kangako kwaye imisebenzi yabo inzima ngakumbi kulungelelwaniso lwabo. Awunamda xa kufikwa kolu hlobo lotyalo-mali olukhethekileyo. Xa unokufumana uhlaziyo olubalulekileyo kulondolozo lwakho.
Kodwa kuyo nayiphi na imeko, ukutyala imali kunaniselwano lwangaphandle kunezibonelelo kunye nokungalungi. Njengakwelinye icala, kwenzeka phantse kuzo zonke iimveliso zezezimali. Zombini ezivela kwingeniso esisigxina kunye nengeniso eyahlukileyo. Ziya kuthatha isigqibo sokuba uthumele imisebenzi. Nangona zineempawu ezichazwe kakuhle kwaye siza kukuchazela apha ngezantsi. Ewe kunjalo, injongo yakho yokuqala iya kuba nokuba kufanelekile na ukukhetha kwezi marike zezimali. Ngamaxesha onke ngobulumko obukhulu kwiintshukumo ozithathayo ukusukela ngoku.
Imali, bakunika ntoni?
Iimarike zemali, okwangoku, yintoni ekuvelisayo bubuninzi ekukhetheni. Awuyi kuzikhawulela kwi-asethi enye yemali. Kodwa ezininzi, nangona zivela kwimodeli efanayo yotyalo-mali. Ukongeza, unokwenza imisebenzi isebenze kwiimarike zezemali kuyo nayiphi na ibhanki okanye umlamli wezezimali. Ayothusi into yokuba wonke umntu asebenze ngale mali ibalulekileyo. Ukusuka kwiindlela ezahlukileyo kwezinye iimveliso.
Ingxaki enkulu oya kuba nayo ekulondolozeni kukuba unokutshintsha imali ukuze wenze esi sicwangciso sotyalo-mali esahlukileyo. Ngekhomishini elandelwayo ngokungathandabuzekiyo eya kwenza ukuba imisebenzi yakho ibize kakhulu. Ngesi sizathu, kuya kufuneka ucace gca ukuba ukhetha intengiso yemali kunezo zingenabunzulu. Ngemisebenzi enokuthi ibe mfutshane ngokunxulumene nexesha labo lokusisigxina. Kwiiseshoni ezimbalwa kwiikowuti zakho uya kuba nakho ukugqibezela izikhundla ezivulekileyo kwiinguqu ezahlukeneyo.
Olunye lolona phawu luphawu kwezi marike kukuba ikuvumela ukuba ube bhetyebhetye ebanzi ukuvala iintshukumo ezisesikweni. Ukungazinzi okubonakala ngakumbi kunakwezinye iiasethi zemali. Umahluko obanzi kakhulu kwisilingi nakwimigangatho kwizicatshulwa zabo. Ngokuchanekileyo kwiintshukumo zokuqikelela apho kwenzeka khona ukutshintsha kwemali.
Ungathengisa njani?
Ngokuqinisekileyo ayisiyondawo yentengiso yezemali kuninzi lwabatyali zimali abancinci nabaphakathi. Kwaye ke ifuna ukwahlulwa kwaye ichazwe kakuhle ukusebenza kwasekuqaleni. Kuya kufuneka unikezele ngenkcubeko yezemali ephezulu kunezinye iimveliso zemali. Utshintsho lwakho lulawulwa zizizathu ezininzi. Ingakumbi kuqoqosho, kodwa nolunye uhlobo. Nangona kunjalo, kufuneka uchaze utshintsho kwezemali ofuna ukufikelela kuzo kwimbuyekezo elindelekileyo kutyalo-mali lwakho.
Le yimisebenzi eyahlulahlulayo ngokuba bhetyebhetye ngakumbi. Kodwa ngaphezu kwayo yonke into esebenzayo. Ngalo naluphi na usuku amaxabiso abo ayahluka ngokuxhomekeka kunikezelo nakwimfuno yezi mveliso. Ukuya kwinqanaba lokuba kwiiyure ezimbalwa banokubonisa iipesenti eziphezulu kakhulu kumaxabiso abo. Kunqabile ukufezekiswa kwezinye iiasethi zemali. Ngenxa yoko, unokufumana imali eninzi ekusebenzeni kwabo. Kodwa ngenxa yesizathu esinye, ikushiye i-euro ezininzi kwiintshukumo ezenziweyo nakweliphi na izindululo ezikhethiweyo.
IiKhomishini ngezezimali
Enye into ekufuneka uyithathele ingqalelo ukusukela ngoku ukuya phambili ziikhomishini eziveliswa yile mveliso yemali. Ewe, ikumgca ofanayo nezinye iindlela onazo kutyalo-mali. Malunga ne-0,35% ngenqaku eliphezulu kwigalelo elenziweyo. Kuwe kufuneka kongezwe iindleko zotshintshiselwano lwemali, ezinokwenza umsebenzi ubize kakhulu, kuxhomekeke kumaxabiso aziswe ngamaziko emali. Kwaye nakwimali ekhethwe njengeziko lokuhamba kwiakhawunti yakho yokujonga.
Enye into efanelekileyo ekufuneka uyinyamekele kuyo yile ekubhekiselwe kuyo ayisiyiyo imisebenzi ephawulwa ngokujoliswa kwixesha eliphakathi nelide. Ngenxa yolu phawu, kuya kuba nzima ngakumbi kuwe ukuba ulungelelanise yonke imisebenzi oyenzayo. Ayothusi into yokuba awuzukukhetha ngaphandle kokuhlengahlengisa amaxabiso okuthenga kunye nokuthengisa. Njengefomyula yokuphucula imbuyekezo kulondolozo. Kuya kubaluleka kakhulu ukuba ungahanjiswa zizindululo zobuxoki kule marike. Banokukunika ngaphezulu kwesothuso esibi kwezi zihlandlo.
Nguwuphi umahluko owuzisayo ngokubhekisele kolunye utyalomali?
Umbuzo omnye oza kuzibuza wona ngumahluko otyalwa kutyalo-mali lwemali ngokunxulumene nezinye iintlobo zotyalo-mali zemveli. Ewe, kukho ezininzi onokuzibona. Eyona iphambili kukuba balawulwa ziintshukumo ezikhawulezayo, kwezinye iimeko zinobundlobongela. Ngenxa yezizathu ezininzi kwizicatshulwa zakho. Ukusuka kwidatha yezoqoqosho olukhulu lweli lizwe lichaphazelekayo ukuya kuzo naziphi na iindaba ezinefuthe ngqo kubudlelwane bamanye amazwe.
Kwakhona inyani yokuba unokuba neendlela ezininzi onokukhetha kuzo. Awuphelelanga kwiimali ezinkulu. Kodwa kunikezelo olubanzi lweemali zamazwe angabalulekanga kwihlabathi le-panorama. Ngayiphi na imeko, uya kuba neengxaki ezininzi ekufuneka uzenzile eziza kuba yipotifoliyo ekhethiweyo. Kwelinye icala, unethuba lokunciphisa umda kwilahleko yotyalo-mali lwakho ukuba uguquko lwezi asethi zemali aluguquki njengoko ubulindele ekuqaleni.
Umahluko nolunye utyalomali awupheleli apha. Oku ikakhulu kungenxa yokuba imarike yemali izinzile kakhulu. Ilunge kakhulu kwimisebenzi ye-agile kakhulu. Nokuba kwiseshoni efanayo yokuthengisa. Imeko ekunzima ngakumbi ukuyifaka kwezinye iimarike zezemali. Phakathi kwabo ukuthengwa nokuthengiswa kwezabelo. Ukusuka kule meko, zilunge ngakumbi ekuphuhliseni ukusebenza kwendalo yokuqikelela. Ukungena kunye nokuphuma kwiimarike apho zidweliswe rhoqo.
Usebenza njani kwezi marike?
Ukuba uyavumelana nezi ndlela, kuya kufuneka ucinge ngendlela yokurhweba ngokubalaseleyo, iidola, iifranc zaseSwitzerland okanye nayiphi na enye imali emhlabeni. Ngothotho lweengcebiso, uya kuba kwimeko engcono yokwandisa imisebenzi yakho. Nokuba ufunde iqhinga elingaqhelekanga eliya kuhlala liluncedo ukusukela ngoku. Ngaba ukulungele ukubamkela? Ukuba kunjalo, nazi ezinye izimvo eziya kusebenza kakhulu.
- Ungazami ukuya ngokuchasene nomsinga weemarike kuba uya kuba nayo yonke into eza kulahleka. Eyona nto ilula kukuya kwezona ndawo zibukhali ezithi zibonise eyona mali ifanelekileyo kuwo nawuphi na umsebenzi.
- Kuhlala kucetyiswa ngakumbi ukuba utyale imali oyigcinileyo kwezezonaqoqosho zinamandla kunakwasekuqaleni. Ayothusi into yokuba ezi ziqikeleleke ngakumbi malunga notshintsho olunokuthi luveliswe kutshintsho. Ukuza kuthi ga kwinqanaba lokuba ungabetha into ethatha ixesha elide ukuyifumana kwakhona.
- Ukuba unawo nawaphi na amathandabuzo onawo, kuya kuba ngcono ukuyeka ukuthatha izikhundla. Yindlela eluncedo kakhulu yokuzikhusela kwiimeko ezingalindelekanga. Okanye, ayithandeki kwaphela kwimidla yakho yobuqu. Ukongeza, unezinye iimarike apho unokutyala khona iiasethi zakho.
- Iya kuba luncedo kakhulu kuwe ukubona ukuba zeziphi ezona mali zinamandla ngawo onke amaxesha. Baya kuba ngabona bamkelekileyo ukungena kwiimarike zezemali. Kwakhona ukwenza ulandelelwano oluchanekileyo lweekowuti zakho. Iya kuba sisicwangciso esiya kukunika iziqinisekiso ezikhulu zempumelelo. Kwaye kwakhona namandla angakumbi kuhlaziyo lwayo.
- Kuya kufuneka uyazi ukuba intengiso yotshintshiselwano lwangaphandle yorhwebo iphazamiseka. Ngokungenasiphelo, njengesixhobo sokutyala imali kuyo nayiphi na imeko. Nangona kuya kufuneka uqhubeke nolawulo olupheleleyo kumaxesha amancinci rhoqo kubomi bakho bemihla ngemihla.
- Olu lolunye utyalomali olunokukunceda ujongane nemeko embi enokubonakaliswa ziimarike zezabelo. Njengokhetho lwesibini, nangayiphi na imeko. Kwaye uhlala uphantsi kwemali ephantsi. Oku kuyakukhusela ngcono ukujonga kwakho ibhalansi yeakhawunti.
- Awunawo amaxabiso anomdla ngokukodwa wokusebenza ngezi asethi zemali. Njengakwelinye icala kuyenzeka ngokusebenza kwintengiso yesitokhwe. Okanye kunye neengxowa-mali kunye nezinye iimveliso eziyinkimbinkimbi: iimvume, ukuthengiswa kweentengo zemboleko, ezinye izinto kunye neempawu ezifanayo.
- Ukuba uthetha ngemali, awusoze uyilibale imeko yendawo yejografi apho isetyenziswa ngabemi. Akumangalisi ukuba, yinto ekhethekileyo yokuqonda utshintsho lwayo nezinye iimali.
- Kwaye okokugqibela, awungekhe ulibale ukuba lukhetho olunomngcipheko omkhulu. Ingakumbi ukuba awuboneleli ngenkcubeko yemali efunekayo kwezi marike. Ngobukho bokwenyani bokuba umsebenzi uza kuhamba gwenxa. Utshintsho kwangolo suku lunokuba nobundlobongela. Ayilungelanga abatyali mali abangenamava agqithisileyo kwezi marike zikhethekileyo.