Esinye sezigqibo ekufikelelwe kuzo yi NdinguParcoin woTyalo mali lweBarcoin Kwingxelo yayo yamva nje, abathandathu kwabalishumi abasindisi baseSpain abaphakathi kweminyaka engama-25 ukuya kwengama-44 bakhetha iindlela zedijithali zotyalo-mali ngaphezu kobuso nobuso. Ngokufanelekileyo, I-60% yabasebenzisi bakhetha utyalomali lwedijithali ekonakaleni kwezendabuko. Lo ngumgca wesenzo okhoyo ekunikezelweni kwekhontrakthi zezinye zeemveliso ezichaphazelekayo zemali: ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya, iimali zotyalo-mali, iziqinisekiso, ezinye izinto, njl.
Le ngxelo yakutshanje yemikhwa yokusetyenziswa kwemali ikwabonisa ukuba olu khetho kumajelo akwi-intanethi lukwacacisiwe xa kuvavanywa, ukongeza kubudala, inqanaba lolwazi lwezezimali abemi abanalo: inqanaba eliphezulu lolwazi, utyalomali oluphezulu ngamajelo edijithali. Nangona kufanelekile ukuhlalutya ezinye zeenzuzo zazo eziphambili kwaye ngokuqinisekileyo ukungalunganga okubandakanyiweyo kule klasi yemisebenzi yezemali.
Okokuqala ukukhankanya, ukuba isiphumo sokuqala sangempela sokusetyenziswa kotyalo-mali lwedijithali okanye lwe-Intanethi kukuba ngokungathandabuzekiyo kuyanceda Ukunciphisa iindleko. Oku kuthetha ukuba ukwenza ikhontrakthi kwezi mveliso kutyalo-mali akunakubiza ngaphantsi kunakuqala. Nangona singazukulindela ukuncitshiswa okumangalisayo kuba enyanisweni akunjalo. Kodwa ubuncinci i-euro iya kusetyenziswa ukugcina i-euro ezimbalwa minyaka le kwaye ke ngenxa yoko sinokwabela ezinye iimfuno zobuqu okanye zosapho. Okanye ngokulula ukuzonwabisa ngendlela engaqhelekanga yobuqu ngexesha lokuzilolonga okumbalwa okulandelayo.
Ukwenza phi utyalo-mali lwedijithali?
Lo ngumbuzo wokuqala ukuba nawuphi na umtyali mali ophakathi kunye nomncinci kufuneka abuze, njengoko kunjalo kwimeko yakho. Kuba, ngenene, asinakulibala ngezi zihlandlo zichanekileyo Utyalo-mali lwedijithali lubiza kancinci ngaphezu kwesiqhelo. Kuzo zonke iimveliso zezemali esinokuthi sisebenzise esi sicwangciso sokugcina iindleko ekusebenzeni. Ukusuka ekuthengweni nasekuthengiseni izabelo kwimarike yemasheya ukuya kwiimodeli zokonga ezikhuthazwe ziibhanki. Ngaphandle kokukhetha kulo naluphi na uhlobo olunokuthi lunciphise ukusebenza kwakho ngokuqesha nge-Intanethi.
Olunye lwezona zinto ziluncedo kuzo lubandakanya intuthuzelo oya kuthi ube nayo ngokusesikweni ezi mveliso zezemali. Ungawaqesha kamnandi ekhaya okanye nakweyiphi na indawo apho ukhoyo kwaye okona kubaluleke nangaliphi na ixesha losuku, nokuba kusebusuku okanye ngeempelaveki. Ukongeza, uya kuba nakho ukuthelekisa ezininzi ukubonelela kunye nokunyusa enikezelwa ziibhanki kwaye oko kuyakuvumela ukuba ukhethe iimodeli ezinomtsalane kwiprofayili yakho njengomtyali mali omncinci nophakathi. Ngaphandle kwesidingo sokuya kwisebe ukuze usayine ikhontrakthi okanye wenze ezinye iinkqubo zolawulo. Ngamafutshane, lulawulo olubhetyebhetye ngakumbi kunalowo ujongene ubuso ngobuso.
Bhalisa iidiphozithi ezikwi-Intanethi
Yenye yeemveliso zebhanki apho esi sicwangciso silungeleleneyo ngokusesikweni. Uyifumana ntoni? Ewe, okwangoku, yenza le nkqubo ngokulula ngakumbi ekhayeni lakho kwaye ngaphandle kokuya kwelinye icandelo lesixeko sakho. Kwelinye icala, akukho mathandabuzo ukuba unako phucula imida yokulamla abo banikezela ngezi mveliso kulondolozo. Hayi ngendlela yokunyanzelwa, kodwa ubuncinci ufumana inqanaba lenzala kwiakhawunti yakho yokutshekisha enezishumi ezimbalwa zepesenti ephezulu kuneemodeli eziqhelekileyo okanye zemveli.
Kwelinye icala, unethuba lokuba le fomathi kwiidipozithi zexesha elimiselweyo ayibandakanyi naluphi na uhlobo iikhomishini, izohlwayo okanye ezinye iindleko kulawulo lwayo okanye kulondolozo. Oko kukuthi, akuyi kuhlawula ngaphezulu ukubhalisa kwaye kwelinye icala unesithembiso sokuba unyaka nonyaka unyuke ngokubonakalayo ngenxa yomdla kwinxalenye yeebhanki yokuphuhlisa iimveliso ezinjengeediphozithi ezikwi-Intanethi. Ngokumalunga ngokusisigxina ukusukela kwiintsuku ezimbalwa ukuya kwiminyaka eliqela. Ngale ndlela, awuyi kuba nangxaki nangaluphi na uhlobo.
Ukuthenga nokuthengisa kwimarike yemasheya
Ukusebenza kwiimarike ze-equity yenye yeemveliso ezibuthathaka kakhulu ukuze babe nokufumana ikhontrakthi kwi-Intanethi ukusukela ngoku. Ngexabiso elongeziweyo onokulifumana kongela imali eninzi kwiiKhomishini ebezisenziwa ngamaziko ezezimali. Ngeerhafu ezinokuba sisiqingatha sexabiso eliphantsi ngokuthelekiswa nokuqeshwa komntu. Oku kubaluleke kakhulu kubatyali mali abancinci nabaphakathi abaqhuba imisebenzi emininzi minyaka le kuba banakho ukujongana neendleko zolu luvo. Ngaphaya kolunye umahluko kubuchwephesha bendalo.
Ukurhweba kwimarike yemasheya, kwelinye icala, kukuvumela ukuba uthenge kwaye uthengise izabelo kwiimarike zezemali phantse ngexesha lokwenyani. Le yeyona nto ibaluleke kakhulu ukuze uhlengahlengiso kumaxabiso kwaye ngenxa yoko, ungaphucula ukuzuza kwemali kwimisebenzi nganye eyenziweyo. Ngelixa ngokuchaseneyo, ngaphandle kwamathandabuzo uyakuba kwimeko ecacileyo yokuhlalutya okungcono isitokhwe onaso phambi kwekhompyuter yakho. Kananjalo nokwenza ukuba ezi ntshukumo zenziwe ngokusesikweni naphina, nokuba useholideyini okanye kuhambo lobuchule.
Iimali zotyalo-mali
Le yenye yeemveliso ezichaphazelekayo onokuthi ubhalise kwi-Intanethi kwaye ngendlela ebhetyebhetye ngakumbi kuneefomathi eziqhelekileyo. Phakathi kwezinye izizathu zokuba lula ukulawula ipotifoliyo yengxowa mali yakho. Kunye ne ugqithise okanye wenze intengiso ngokuthe ngqo okanye iyonke yalo. Into eza kuthi ijongane ubuso ngobuso ingafuna inkcitho enkulu yexesha kwiinkqubo ekuya kufuneka uzenze kwaye ungabinakho ukuhambisa olu londolozo kwipotifoliyo yakho yemali ukusukela ngoku. Kwiikhontrakthi ezikwi-Intanethi wenza ukuba yonke into ibe lula ngendlela elula kunye nengqiqo.
Kwelinye icala, awungekhe ulibale ukuba imali yotyalo-mali yimveliso efuna i Ukulandela ngokukodwa kwaye nge-Intanethi ungamnika olu nyango lukhethekileyo. Ngokukwazi ukuyidlulisela kwenye ingxowa-mali yotyalo-mali ukuba uguquko alunqweneleki emva kwexesha elingaphezulu okanye elingaphantsi. Zonke ezi nkqubo zikulungele ngakumbi ukuzilawula kwikhompyuter yakho ekhaya, nokuba iimarike zezemali zivaliwe. Njengakwimodeli engaphambili, ayibandakanyi naluphi na uhlobo lweendleko ezongezelelweyo okanye umrhumo ovela kwiinkampani zolawulo okanye izinto zebhanki.
Ukutshintshiselana ngemali okanye ii-ETFs
Ezi ziimveliso ezizodwa ezifuna iimpawu zazo ezizodwa ukuba zingeniswe kwi-Intanethi. Akumangalisi ukuba singabhekiseli kwindibaniselwano yento ethengwayo kunye nokuthengiswa kwezabelo kwimarike yemasheya nakwimali yotyalo-mali. Kodwa ngomahluko ozisa iikhomishini ezikhuphisana ngakumbi kunezi mveliso. Kwaye kwinguqulelo yayo ekwi-Intanethi iiakhawunti ezinamaxabiso anomdla ngakumbi kubafakizicelo bayo apho ungagcina isiqingatha seendleko kwizibonelelo kunye nokunyusa amaziko amatyala athe aphuhliswa. Ibango ukuze ukwazi ukubaqesha ukusuka ekhayeni lakho kwezi modeli.
Ngakolunye uhlangothi, ii-ETFs ayifuni ixesha elininzi lokusisigxina, njengoko kunjalo nakwimali yotyalo-mali. Akukho kuncinci, kuba ngeenyanga ezintathu okanye ezi-3 kuphela kunokwanela ukwenza imisebenzi yakho ibe yinzuzo kunye neziqinisekiso ezithile zempumelelo. Ngethuba nje ukuba imeko yezezimali, ezinzileyo okanye eguqukayo yemarike yengeniso, ikunye nawe. Ukongeza, yimodeli yotyalo-mali ehlengahlengiswe kakuhle kuzo zonke iintlobo zeeprofayili kubatyali mali abancinci nabaphakathi. Ukusuka ekuzikhuseleni ukuya kweyona nto inoburharha kwaye kungabikho nakuphi na ukungafakwanga.
Izibonelelo ekusebenzeni
Ikhontrakthi ekwi-Intanethi inothotho lwegalelo ekufuneka uyazi ukusukela ngoku ukuphucula imisebenzi yakho. Phakathi kwazo kukho oku kulandelayo esikuvezayo apha ngezantsi:
- Uyakhawulezisa ixesha Iyafuneka de imveliso ekuthethwa ngayo yenziwe, usazi ukuba ixesha lotyalo mali yimali.
- Unako phucula kancinci inzala ezinikezelwa yimodeli nganye enokwenziwa ngokusesikweni ngezi ndlela zonxibelelwano. Unyaka emva konyaka iya kuba sisixa esikhulu semali. Musa ukuthandabuza nanini na.
- Ngeli xesha, iibhanki sele zivelisile iimveliso ezinokungena kuphela kwi-Intanethi. Yi mkhuba ongenakunqandeka apho kuya kufuneka uzuze kwezi zihlandlo zichanekileyo.
- Akukho naliphi na ityala elinokuthi lenze inkcitho eyongezelelweyo kwiakhawunti yakho yokujonga. Ukuyibeka ngandlela thile, ukutyala imali kwifomathi ekwi-Intanethi kuya kuhlawula kukhululeka ngokupheleleyo. Akukho mrhumo kwi-akhawunti ekusebenzeni.
- Oku kubhaliswa akusachaphazeli kuphela iimveliso ze-equity, kodwa kunye neemveliso zokulingana. ingeniso okanye nolunye utyalomali.
- Ukwenza i ii-odolo zexesha langempela Yenye yenkuthazo yokubhenela kwezi ndlela zokwenza isivumelwano ngenxa yokuba unokwandisa ukusebenza.