Enye yezona zinto zixhalabisayo abatyali mali abancinci abaya kuba nazo kwezi zilandelayo zizakuba yindlela yokumisela iphothifoliyo yabo yotyalo-mali kweli hlobo. Ngamaxesha onke anzima enyakeni kwaye oko kuhlala kubenza babe namathandabuzo malunga nento ekufuneka beyenzile. Ngenjongo yoku yenza imali ngokulondoloza kwakho neziphumo ezilungileyo. Into ekunzima kakhulu ukuyenza kunakwamanye amaxesha onyaka. Njengoko bekwazile ukungqinisisa ngexesha lokugqibela lokuzilolonga kwimarike yestokhwe.
Ukuziphatha kwamasheya kwezi nyanga kuphantse kuhlala kunjalo -ngathethekiyo. Kuba enyanisweni, kunzima kakhulu ukubona ukuba yeyiphi imeko ezinokuthi zibekwe ziimarike zezemali. Ewe akusayi kuba lula ukufikelela kule meko, nangona kunjalo siya kukunika izitshixo ukuze ufumane isigqibo sakho ngokuchanekileyo. Okanye kungcono ukukhusela umdla wakho, amaxabiso aya kuthathelwa ingqalelo ngakumbi khusela izikhundla zakho kwimarike yemasheya. Ukuze xa ukubuya kwakho eholideyini kufika, ibhalansi yokujonga iakhawunti yakho iyadlamka ngakumbi.
Ewe unezinye iindlela ezifanelekileyo zokutyala imali ukukhusela umdla wakho njengomtyali mali ophakathi nophakathi. Zinyanga nje ezimbalwa, kodwa zinzulu kakhulu apho kuya kufuneka uthathe amanyathelo okhuseleko kuba nayiphi na impazamo inokukwenza ulahlekelwe yimali eninzi. Mhlawumbi ngaphezulu kunokuba unokufikelela kwiakhawunti yakho yekhaya. Ke ngoko kufanelekile ukuzama thintela iimeko ezingathandekiyo kwiimarike zezabelo. Kuya kufuneka uzame ubuncinci ukusukela ngoku.
Ihlobo, ndenza ntoni ngemali yam?
Indlela yokuqala ekufuneka uyenzile ngeli xesha kulapho ungalathisa khona ukonga kwakho. Ewe, ayisosigqibo silula kakhulu ukusenza. Phi ukhuseleko kufuneka lubekhona ngaphezulu kolunye uxabiso olunamandla ngakumbi. Akumangalisi ukuba ukungazinzi kweemarike zezemali kuya kuba yenye yezona zinto ziphambili kuzo kwezi ntsuku zikhethekileyo. Ukongeza, kuya kufuneka ulindele ukuba inani lemisebenzi eyenziweyo evela kwiimarike zezabelo zaseSpain ziya kuncitshiswa.
Awuyi kukhetha ngaphandle kokuzibekela iinjongo ezingabonakaliyo. Kungenxa yokuba enyanisweni inokubangela unxunguphalo olukhulu kuwe. Awungekhe ulibale ukuba kwezi nyanga zonyaka uhlaziyo, okanye ukwehla kwexabiso, akubalulekanga kangako. Ungalibali ukwenza musa ukwenza ulindelo olungeyonyani. Isenokuba sesinye seziphumo zokuba ukusebenza gwenxa kwiimarike zemali kunokubangela. Kwaye ukuba unokuthandabuza okungaphezulu kwesinye, kungangcono ukuba ungabikho kumgangatho weparquet ubuncinci iinyanga ezimbalwa.
Funa imbuyekezo eqinisekisiweyo
Elinye lamaqhinga okuqala onokuwenza ngokusesikweni kukuqinisekisa ukubuya okungaguqukiyo kulondolozo olutyalomali. Oku kunokwenziwa ngokulula kukhuseleko olusasaza izabelo phakathi kwabanini zabelo. Ngale ndlela, unokufumana inzuzo esondele kwi-8% kuxhomekeke kwisindululo esikhethiweyo. Konke oku, nokuba kwenzeka njani ukuvela kwayo kutshintsho olwenziwa mihla le. Nangona kunjalo, sisicwangciso esijolise ekoneliseni abasebenzisi abazikhusela. Abafuni mngcipheko onokuthi ubeke esichengeni ii-asethi zabo nangaliphi na ixesha.
Ukongeza, lo mvuzo uza kulungiselelwa kwangaphambili. Ngaphandle kokulinda ukuthengiswa kwezabelo zakho. Inokusebenza njengotyalo-mali ukuyisa kwixesha eliphakathi nelide, ukuba ibingumnqweno wakho ngokwenene. Kwelinye icala, iya kuba yeyona ndlela isebenzayo yokugcina ulondolozo lwakho kwiinyanga zasehlotyeni. Ukuba uyavumelana nezi ndlela awuyi kuba neengxaki ezigqithileyo ukukhangela amaxabiso ezi mpawu. Kuzo zonke iintlobo kwaye zivela kuwo onke amacandelo ezemali.
Amaxabiso azinzileyo ngeli xesha
Olunye ukhetho kwezi nyanga lusekwe ekukhetheni amaxabiso akhuselayo angenakuvelisa iingxaki ezigqithileyo. Ukuze wenze ipotifoliyo yotyalo-mali yezi mpawu, kuya kufuneka ukhethe awona macandelo akhuselekileyo kwimarike yemasheya. Phakathi kwabo abanako ukuhambisa umbane kuzo zonke iinkampani zabo ezidwelisiweyo. Ukuya kwinqanaba lokuba kukunika uzinzo olukhulu oluya kubaluleka kakhulu kwezi nyanga zikhethekileyo zonyaka. Uya kuba nethuba elihle ukuba awuyi kuphazamiseka kwixabiso lakho. Njengakwelinye icala, inokwenzeka nakwezinye iindawo ezinobundlobongela bezinto ezikhoyo.
Kananjalo akufuneki ucekise ekuthatheni isikhundla kuhola wendlela waseYurophu, njenge-Abertis, enexabiso elinconyelweyo kwezi zihlandlo zikhethekileyo. Kuba iya kuba lutyalo-mali lwexeshana elifutshane, kunye nexesha lesigxina elingagqithiyo kwiinyanga ezimbini okanye ezintathu. Ngale ndlela, eli candelo linokuba sesinye sezona zigqibo zibalaseleyo onokuzenza ukusukela ngoku. Ngayiphi na imeko, kuyakufuneka ukuba ube nesindululo sokulingana esilondolozayo kunabanye. Ke imida yakho yokwenza iimpazamo iya kuba sezantsi kakhulu.
Ukusebenza kwemini enye
Ukuba nangasiphi na isizathu, iprofayile yakho yotyalomali inochuku ngakumbi, awuzukukhetha ngaphandle kokutshintsha isenzo sakho kwiimarike zezemali. Kwaye enye yezi ntshukumo iya kuqala kwimisebenzi yangaphakathi. Oko kukuthi, kwenziwe kwiseshoni efanayo yorhwebo ukuthatha ithuba lokutshintsha okukhulu okunokuthi kuveliswe ngamaxabiso abo. Nangona ukubuya, awuyi kuba nesinye isisombululo ngaphandle kokuthatha umngcipheko ngakumbi kunezinye iindlela ezingaphezulu okanye ezingaphantsi kwesiqhelo.
Enye yeenjongo zokukhetha le modeli yotyalo-mali kukuziqhelanisa notshintsho olukhulu olunokuthi lwenzeke kwezinye iiseshoni zezabelo. Ngale nto, ukusebenza kwakho kufuneka kube mhle ngakumbi kwaye kunjalo ngaphandle kokudinwa imiqathango yokusisigxina. Awuyi kufumana mbuyekezo ebalaseleyo, kodwa ubuncinci iya kukunceda kwimozulu kwezi nyanga zinzima zotyalo-mali. Ngayiphi na imeko, kuya kufuneka ube ufunda ngakumbi kolu hlobo lomsebenzi. Ukuba akunjalo, kungcono uhlale ngaphandle kwaso nasiphi na isikhundla esithatha ukusukela ngoku.
Olunye ukhetho: imali yokurhweba ngokutshintshiselana
Ukuba awufuni kubekwa kwimarike yemasheya kwezi nyanga, uya kuba nezinye iindlela ezinomdla kakhulu ukukhusela umdla wakho njengomtyali mali omncinci. Ngale ndlela, imali yokurhweba ngokutshintshiselana ibhetele kuneemali zotyalo-mali zemveli. Oku kungenxa yesizathu sokuba iyimveliso yezemali i-agile ngakumbi. Kodwa ngaphezulu kwako konke ngenxa yokuba ihambelana bhetele namaxesha okusisigxina afunwayo kwiinyanga zasehlotyeni. Ngenxa yokuba, i-ETFs iqulunqwe njengenye indlela yokonga imali ngexesha elifutshane kakhulu. Apho ungangena kwaye uphume kwindawo ngokulula. Ngeekhomishini eziya kufikeleleka ngakumbi kunezinye iimveliso zotyalo-mali.
Imali yokurhweba ngokutshintshiselana, kwelinye icala, ikunika ithuba lokutyala imali oyigcinileyo phantse kuzo zonke iiasethi zemali. Ayisiyiyo kuphela kwii-equity. Ukuba akunjalo nakwi-fixed okanye nakwezinye iimodeli zotyalo-mali. Umzekelo, ngokusekwe kwiimarike zezinto ezisetyenzisiweyo okanye izinyithi ezixabisekileyo, phakathi kwezona zibalulekileyo. Inokuba sisindululo esisebenzayo ukuze ukwazi ukwenza imali ngezikhundla zakho kwiimarike ezahlukeneyo zemali. Njengakwelinye icala, baphuhlisa inani elonyukayo labatyali mali abancinci.
Ikhontrakthi yexesha elimiselweyo
Abatyalomali abakhuselayo banokuya kwiimodeli ezilondolozayo. Kwaye esinye sezona zindululo silula senziwe ngokudiphozitha ixesha. Malunga neminyaka emibini okanye emithathu, ubude beli xesha lonyaka. Iya kukubonelela ngegalelo lakho soloko ukhuselekile, nokuba kwenzeka ntoni kwiimarike zezemali. Nomvuzo oqinisekileyo kuzo zonke iimeko. Nangona ngokucacileyo ingonelanga kulindelo lwakho njengomgcini. Kuba ngokusebenza, kunqabile ukugqitha kumanqanaba abekwe kwi-1%.
Ngayiphi na imeko, iya kukuvumela ukonwabele ezi holide ngoxolo olukhulu lwengqondo. Ewe kunjalo, ungaqapheli kubunewunewu obunokubonelela ngeemarike zezemali. Ixabiso elongeziweyo elinokubaluleka ngokukodwa ukuba awufuni kumangaliswa xa ubuya kuhambo lwakho lweholide. Ukongeza, unethuba lokuba nguwe oya kukhetha ubude bokuhlala apho ufuna ukuba ilifa liye khona. Ngayiphi na imeko, awuzukukhetha ngaphandle kokulinda ukuphela kwayo ukuze ube nomdla wokujonga i-akhawunti eseleyo.
Njengoko sele ubonile, zininzi ezinye iindlela ezikhoyo zokufumana imali yakho kwezi veki zokuphumla. Kuya kufuneka uzilungelelanise neprofayile oyivezayo njengomtyalomali omncinci nophakathi. Kwaye kunjalo yemali oza kuyabela olu hlobo lomsebenzi. Zombini kwii-equities kunye nengeniso esisigxina. Apho ekuphela kwemeko ekufuneka uhlangane nayo kukuba iphuculwe ixesha elifutshane kakhulu. Ngokungafaniyo nezinye izicwangciso zotyalo-mali ezinokuqina ngakumbi ngokwexesha.
Nangona ungantoni, ukuphela kosuku, yinto oyigcinayo kwikomkhulu lakho. Kwaye ukuba kunokuba nangenzuzo ethile, kodwa ubuncinci kunokuba bunjalo. Ngale mfuneko, uya kube uhlangabezene nolindelo lwakho lwexesha lasehlotyeni. Kuba ngenene, ayilixesha lonyaka lokunyusa ibar kumathemba akho okuphucula impilo yeeakhawunti zakho.
Izenzo zeli hlobo zinokuba kukutyala imali kwiimveliso nakukhuseleko kwi-Forex. Kukho izinto ezilingayo endizibonileyo, umzekelo, kukho amaxesha apho igolide yomeleza kwaye kwamanye iyawa.
Ukuthenga okuphantsi kunokuba lithuba elihle lokwenza inzuzo.