Ngaba uyafuna ukufunda ukutyala imali kwimarike yesitokhwe kodwa ungumntu oqalayo kwaye awufuni kukruqula? Kuqhelekile ukuba woyike ukuqala, ngakumbi xa ungayazi loo ndawo kwaye udlala imali.
Ngoko ke, ngezantsi sifuna ukukushiya ezinye iingcebiso ezinokukunceda ukususa uloyiko kunye nokutyalomali. Asitsho ukuba ukwenze oko njengegeza, kodwa eyona ndlela ilungileyo yokufunda kukuqhelisela. Ziphose kuyo?
Yintoni i-Stock Market
Ukufunda ukutyala kufuna, ubuncinci, ukwazi ukuba yeyiphi imakethi oza kungena kuyo kwaye uya kulindela ntoni kuyo. Ngqo, I-Stock Market yimarike apho zombini izitokhwe kunye neebhondi kufuneka zithengiswe (ukuthengiswa).
Injongo yale ndawo kukuba abantu banokufumana imali ngotyalo-mali lwabo kwezi zixhobo zemali, nangona, kufuneka kuthiwe, kunokubakho ilahleko.
Ukusebenza kwayo akunzima kuba iqulethwe yinto ebizwa ngokuba ngumthetho wokubonelela kunye nokufunwa: xa enye yalezi zixhobo ifunwa kakhulu, ngoko ixabiso liya kwanda; Kwelinye icala, ukuba akukho mntu uyifunayo, iya kuba nexabiso eliphantsi kakhulu. Ngokubanzi, uya kuba neendima ezimbini:
- Thenga: ukufumana izabelo ngexabiso elithile kwaye ulindele ukuba baphakame ukuze bazithengise kwaye bafumane inzuzo koko kuthenga.
- Thengisa: ukuphepha ilahleko. Xa kuziwa ekuthengiseni, zimbini izinto ezinokuthi zenzeke: ukwenza oko kuba izabelo zinyukile kwaye ucinga ukuba zifikelele kwisilingi; ukuba uyenzile ngenxa yokuba ixabiso liyehla kwaye oko kuya kuthetha ukuba nelahleko yezoqoqosho.
Funda kwezona zilungileyo
Ukuziphosa kutyalo-mali kwimarike yemasheya ngaphandle kokuba nolwazi okanye ukwazi nantoni na malunga nelo hlabathi kunokuba "isigwebo sokufa". Udlala ngomlilo, kwaye utyala imali yakho, kangangokuba, ukuba uyenza kakubi, uphelelwa yiyo.
Kungenxa yoko, Enye yeengcebiso xa ufunda ukutyala imali kukuthatha ixesha lokukhangela iireferensi phakathi kutyalo-mali kwaye bachithe ixesha befunda indlela abayenza ngayo.
Ewe, kunokwenzeka ukuba ngoku uthi akusiyo ixesha elifanayo, ukuba izinto zenziwa ngokuhlukileyo ngoku, njl. Kodwa ulwazi olunikwa zezi ngcali lukunceda ukuba uqonde amanyathelo omele uwathabathe. Amanyathelo aqinileyo azama ukungaphelelwa yimali kutshintsho lokuqala.
Yaye ngawaphi loo magama afanelekileyo? UWarren Buffett, uPhillip Fisher, uPeter Lynch okanye uDavid Einhorn zezinye iimbekiselo ezibalulekileyo omele uzilandele.
Ngokucacileyo, ukufunda iiblogi, ukubukela iividiyo kwiYouTube (ezisemgangathweni), okanye ukufunda iincwadi kunokuba yindlela efanelekileyo yokuphucula xa kuziwa kutyalo-mali.
Thatha ikhosi ukuze ufunde indlela yokutyala imali
Siyazi ukuba injongo oyifunayo kukutyala imali kwaye uqale ukuziqhelanisa. Kwaye kulungile. Kodwa xa ungenawo amava kwinto kufuneka uyiqeqeshe, nokuba oko kuthetha ukutyala kolo qeqesho. Ukongeza koku ngasentla, okunokuthi kukuhlawule (umzekelo xa uthenga iincwadi), unokufumana iikhosi ezininzi kwi-Intanethi ukutyalomali kwi-Stock Market, ukufunda ukurhweba kwi-intanethi, njl.
Abanye bakhululekile kwaye abalahlekelwa ngumgangatho ngenxa yoko; Ukuba kwenziwe, kunokwenzeka ukuba zilungile kuba zibeka iziseko zotyalo-mali (yiloo nto kanye oyifunayo). Bade bakunike izixhobo zokuziqhelanisa kwii-simulators kwaye ubone ukuba ubambelela njani.
Ziqhelanise
Khawufane ucinge ukuba uthathe izifundo, ufunde iincwadi kwaye unalo lonke ulwazi oludingayo ukuze utyale imali. Kodwa awukakwazi ukwenza isigqibo. Oko kukodwa nje kukuzithethelela. Ubambelele kuloyiko lokuba awukafundi ngokwaneleyo ukuba ungaqalisi. Kwaye ithiyori ngaphandle kokusebenza ayinamsebenzi.
Ngoko ke, kungcono ukuba uqale. Awunayo ukudlala imali; Ungasebenzisa i-simulators okanye uqale ujonge iziphumo kunye neeakhawunti zonyaka zeenkampani ukuze ubone ukuba zinjani ezo ngxelo, ukuqikelela ukuba inkampani iya kuba nenzuzo, ukuba izabelo ziya kunyuka ...
Ngokuhamba kwexesha uya kubona ezo ngxelo kwaye ulindele izigqibo zakho. Kwaye xa ubona ukuba ulungile kunye nabo, eyona nto inokwenzeka kukuba ulungele ukutyala imali.
Yiba nomonde
Ukufunda ukutyala imali akukhawulezi okanye kulula. Ukuba ufuna ukuqhuba eyona nto ilula kukuba ekugqibeleni wenze iimpazamo kwaye ekugqibeleni ulahlekelwe yimali. Ngoko ke, kule meko, zama ukuba nomonde, zombini ukufunda ukutyalomali kunye nokuthenga nokuthengisa.
Izitokhwe aziyi kuba nexabiso eliphantsi xa uthatha isigqibo sokuzithenga. Akunjalo, kwiiyure ezimbini ziya kunyuka ngexabiso kwaye uya kuba nakho ukuzithengisa kwaye ufumane imali. Apha eyona nto iya koyisa kakhulu iya kuba ngumonde womntu. Ukuphonononga idatha, ukubeka iliso kwimicimbi yangoku, ukwazi inkampani zizinto eziza kukunceda ubone indaleko, okanye ulindele okuhle nokubi.
Ukukhetha ezona zitokhwe zibalaseleyo xa ufunda ukutyala imali
Xa usenza isigqibo sokutyala imali ngokusemthethweni, ayizizo zonke izenzo ezisebenzayo. Kubalulekile, ngakumbi xa usaqala, ukuba uhambe phantse ngokukhuselekileyo. Oko kuthethwa, khumbula:
- Ukuba kufuneka utyale imali kwizenzo ezimbalwa, abo ubuphonononga ixesha elide kwaye uyayazi indlela abaziphatha ngayo. Kwanokuba zikunika ingenelo encinane, aziyi kukongamela yaye uya kukwazi ukubona abanye okwangoku.
- Gcina iliso kwingxelo yonyaka yenkampani, okanye iileta eziya kubaninizabelo kuba oko kunokukunika ulwazi oluxabiseke kakhulu malunga namanyathelo akho alandelayo.
- Sebenzisa izixhobo zokuhlalutya, kungekuphela nje ukuvavanya izabelo onazo, kodwa ukujolisa ingqalelo kwezinye ezinokuthi zilungele ukutyala imali kuzo.
Ewe, musa ukuphambana ngesixa esikhulu nokuba. Qala ngokutyala imali encinci, eyaneleyo ukuba ukwazi ukusebenza kwaye ngexesha elifanayo imali ongayi kuyidinga kwixesha elide. PUkukunika umbono, ukuba une-10000 yee-euro kwiakhawunti yakho, akufanele utyale imali yonke., kodwa yimali ekunika umda ukuba uyithenge yaye akukhathali ukuba uphulukene nayo xa kunokwenzeka ukuba wenze kakubi. Injongo ayikokuphelelwa yimali, ngokucacileyo, kodwa ayikokuphulukana nayo yonke into onayo.
Ngaba unesibindi sokutyala imali ngoku? Ngaba unazo ezinye iingcebiso kwabo bafuna ukufunda ukutyala imali?