Enye yeengxaki zokutshala imali kwi-equities kukuba kufuneka ube nemali engenakunyuswa ixesha elingaphezulu okanye elingaphantsi. Kuxhomekeka kwifayile ye- imihla ebekiweyo kwabo kubhekiswa kubo. Ngokwehla kwemali eseleyo kwiakhawunti yakho yokujonga kuba uya kuba neengxaki ezininzi uthathe ezinye zeendleko ezicwangcisiweyo kuhlahlo-lwabiwo mali. Umzekelo, hlawula iholide zakho, uthenge ikhompyuter yobuchwephesha okanye uthathe ikhosi yobungcali. Nangona eyona nto ixhalabisayo yindlela yokujongana neendleko ezingalindelekanga okanye ezo zithatyathwe kulo naliphi na ityala elilindileyo kwiziko lakho lezemali.
Lo ngomnye wemingcipheko obalekayo ukuba utyala yonke impahla yakho kwimarike yemasheya. Ujongene nale meko, elona cebo licetyiswayo lisekwe ekushiyeleni ibhegi yokonga kwiakhawunti yokujonga ukufezekisa ezi mfuno. Kodwa ngakumbi, ngesicwangciso esiliqili oko akukuthinteli ekujonganeni nezona meko zintle kuqoqosho lwasekhaya. Kungenxa yokuba esiphelweni sosuku ziimeko ekufuneka ulindele kuzo kwangaphambili. Kuba iziphumo zinokuba mbi kakhulu kwimidla yakho.
Emva koko siza kukuveza uthotho lweziganeko ezinokuthi ngaxa lithile okanye enye ivele. Ukuze uyazi into ekufuneka uyenze ngamaxesha onke ukusukela ngoku. Ayothusi into yokuba yimidlalo oyidlulisileyo ngaphezulu kwesihlandlo esinye. Apho uye wakwazi ukushiya i-euro eninzi endleleni. Ukuthintela ezi zehlo, kucetyiswa kakhulu ukuba ucace malunga nezenzo ekufuneka uzenzile ngalo lonke ixesha. Ayisiyongxaki yokuphucula kuyo yonke imisebenzi yakho. Kodwa ngokuchaseneyo ukuba unayo yonke into oyicwangcisileyo ukuze kungabikho nto yothusayo ukusukela ngoku.
Ukugcina njani ukuthengiswa kwemali?
Kuhlala kuluncedo kakhulu ukuba nemali kwiakhawunti yakho yokutshekisha. Ukwenza intlawulo kunye nokugcina inqanaba lakho imihla ngemihla. Ukusuka kule ndlela ngokubanzi, inyathelo lokuqala lilele ngaphakathi ungatyali ngaphezu kwe-60% yeeasethi zakho. Ngale ndlela, iprofayile oyivezayo njengomtyalomali omncinci nophakathi uya kuba nento eninzi yokwenza ngayo: uburharha, ukumodareyitha okanye ukuzikhusela. Kuxhomekeke kule parameter, uya kuba nakho ukujolisa ngokulula kugcino lwakho. Kodwa uhlala ugcina umqamelo wokuhlawula amatyala iinyanga ezimbalwa. Ukongeza, iya kukubonelela ngokhuseleko olukhulu ngakumbi ukwenza imisebenzi kwiimarike zemali.
Kwelinye icala, awungekhe ulibale ukuchaza ukuba leliphi ixesha elisisigxina apho uya kwabela khona utyalomali lwakho. Kuba, Ayifani ukuya kwikota elifutshane kunasekude. Kuba baya kufuna amacebo ahluke ngokupheleleyo kwasekuqaleni. Kwaye nokucwangcisa uhlahlo-lwabiwo mali lwasekhaya kunyaka ngamnye. Njengoko ubona, utyalo-mali lungaphezulu kokwenza ulondolozo lube nenzuzo ngokuthe ngqo. Ifuna unyango oluthile ekufuneka ululawule ngononophelo olukhulu. Kuba awungekhe ulibale ukuba ubeka emngciphekweni imali yakho, kwaye kwezinye iimeko uphantsi kwezixa ezikhulu kakhulu, ukushiya yonke into iye kuphuculo.
Ukuthengisa okukhethekileyo njengesisombululo esixubekileyo
Enye yeendlela onazo okwangoku kukuthengisa ngokuthe ngqo endaweni yetotali iyonke. Ufumana ntoni ngokusebenzisa esi sicwangciso? Ewe, ilula kakhulu, hlala kwii-equities Ngelixa ukonwabela inzuzo eyinkunzi evelisiweyo kwimisebenzi yakho. Yindlela ephakathi ekuvumela ukuba ulawule utyalomali lwakho kwindlela ebhetyebhetye ngakumbi kunangaphambili. Kuxhomekeke kwindaleko yeemarike zezabelo. Oku kufuneka kwenziwe xa iimarike ziphelelwa ngamandla okanye zisuka kwi-uptrend ziye kwi-bearish. Ngelixa kwimeko ye-bullish isicelo sayo asisebenzi kakuhle. Ngenxa yokuba unokuphoswa yinxalenye elungileyo yeentshukumo eziqhubayo. Kodwa ngokuchaseneyo, lixesha lokuqhubeka kwintengiso. Kuze kuvele iimpawu zokuqala zobuthathaka.
Ukuthengisa ngokuthe ngqo, kwelinye icala, kuya kukunceda ujongane nezona ndleko zingxamisekileyo zemali yakho yobuqu okanye yosapho. Isitshixo silele khetha umzuzu apho ukwenza ngokusemthethweni le miyalelo yokuthengisa. Ngaphantsi kwenani eliya kuthi limiselwe sisicwangciso osisebenzisayo ngawo onke amaxesha. Kanye njengefomula yentsusa yokuqokelela imali kwiintlawulo zesahlulo sakho. Ngayiphi na imeko, awuyi kuhlala kufuneka uzenze ezi ntlobo zikhethekileyo zentengiso. Kuphela kuxa iimeko zezemali zifuna oko. Ungalibali ngalo naluphi na uhlobo lweempazamo okanye urhwebo olubi kwii-equities.
Vumela izibonelelo ziqhubeke
Eminye imeko enokuthi ivele kukuba utyalomali lwakho lntywiliselwe kwi Ukuhlala ixesha elide. Ewe, kwezi meko zikhethekileyo, awuzukukhetha ngaphandle kokuvumela izibonelelo ezihlanganisiweyo ziqhubeke kwiminyaka edlulileyo. Ukusuka kule nkqubo, umbono osebenzayo ayikokuyeka izikhundla kwaye uqokelele inzuzo. Kude kube ngumzuzu kanye ekuthi ngalo naluphi na uphawu lobuthathaka lwenziwe kwikowuteshini yamaxabiso okhuseleko olukhethiweyo. Ukuze esi sicwangciso senziwe, kuya kuba yimfuneko ngokupheleleyo ukuba senziwe kumkhwa wokukhula kangangoko kunokwenzeka. Ukuze umngcipheko ube sezantsi kakhulu.
Yindlela esetyenziswa linani elandayo labatyali mali abancinci nabaphakathi. Phakathi kwezinye izizathu kuba kulula kakhulu ukufaka isicelo kwaye nabancinci abanamava banokuyihlakulela ngobunzima obuncinci. Kuphela komqobo kukufumana amanqanaba apho kuya kufuneka uzishiye izikhundla. Ngayiphi na imeko, ngohlalutyo lobuchwephesha uya kuba nethuba lokufumana isixhobo sokuphumeza iinjongo. Umzekelo, ukulahlwa komndilili ohambayo ngokubaluleka okuthile. Esi sicwangciso sisebenzayo phantse asisoze sasilela kwezi zihlandlo zikhethekileyo.
Uqwalaselo oluninzi ngenkxaso
Uya kuba nesinye isixhobo sokuya kwi-akhawunti yakho yokonga. Imalunga nokusebenzisa amanqanaba amaxabiso ezibonelelwa zezixhasi ekwenziweni kwamaxabiso. Kuba ngenene yindawo, apho kugqithisiwe kuyo, awuyi kuba nenye indlela ngaphandle kokuvala izikhundla kwimarike yemasheya ngokukhawuleza. Ayithengiswanga ngentengiso, kodwa ngokuchaseneyo ngokupheleleyo. Ukuze kamva bakwimo efanelekileyo yokuphinda bangene kwiimarike zemali. Kodwa ngeli xesha kusetyenziswa amaxabiso okhuphiswano ngakumbi ngenxa yohlengahlengiso kwikoteyishini. Ukuza kuthi ga kwinqanaba lokuba izindululo kwimarike yemasheya ziya kuba nakho ukuphinda ziphinde zibaluleke ngakumbi kunangoku.
Kwelinye icala, ukuba uyaqinisekisa ukuba iyazichasa ezi nkxaso, iya kuba luphawu lwamandla amakhulu. Kwaye kuya kufuneka uphendule ngokuthenga okunamandla kakhulu. Kuba iya kuba nohambo oluphezulu ngaphezulu kokufanelekileyo. Ngaphandle kwawo nawuphi na umqobo kude kuchasane ngokulandelayo kwaye kunokuthetha ntoni umahluko ongaphezulu kwe-10%. Ngayiphi na imeko, awuyi kuba nalo naluphi na uhlobo lweengxaki ukwenza esi sicwangciso sisisiseko sabo bonke abatyali mali. Nokuba yeyiphi na iprofayile oyivezayo njengomsebenzisi wesitokhwe. Kuba imalunga nokwenza ukuba amatyala azuze kwaye ipesenti inyuke, kuya kuba ngcono kulomdla wakho.
Ukuthengisa ngenxa yezabelo
Enye indlela eyahluke kakhulu sisiphumo sentengiso emva kokufumana izabelo. Kule meko ethile awuyi kuba nesinye isisombululo ukuba unqwenela njalo ugqibe umsebenzi. Ukuya kolunye ukhuseleko kunye nethemba elingcono kwixabiso labo. Ngelixa uyakonwabela inzala evela kule ntlawulo iye kumnini zabelo kwaye iya kuya ngqo kwiakhawunti yakho yokonga. Ngale ndlela, akufuneki ulibale ukuba amaxabiso ezokhuseleko ahamba kule meko athatha iiseshoni ezimbalwa ukubuyisa ixabiso lawo langaphambili. Kuba le mali isaphulelo kwizabelo. Nangona kwiimeko ezininzi le meko izalisekisiwe kwizabelo.
Ngolu hlobo lwamaxabiso into ongafanele uyenze thengisa izabelo ngaphambi kokuhanjiswa kwesahlulo. Ubuncinci ukuba awuyifumani inzuzo ephezulu kwixabiso langoku. Okwenzekayo emva koko kuya kuba sisigqibo sakho esiya kuthi simiselwe ngothotho lwamacebo onawo engqondweni yakho. Ukuza kuthi ga kwinqanaba lokuba abatyali mali abazikhuselayo bakhetha ukugcina isikhundla sabo. Nokuba iminyaka emininzi ukuba izicwangciso zakho zijolise ekwenzeni ibhanki yokonga ezinzileyo kule minyaka imbalwa izayo. Ngayiphi na imeko, yinto oya kuthi uthathe isigqibo ngayo ngokuxhomekeke kwiimfuno zakho zotyalo-mali.
Njengengcebiso zokwenza ukuba imisebenzi ibe yinzuzo, eyona nto isengqiqweni ukuyenza isekwe kukuxhasa umkhwa. Oko kukuthi, bamba izikhundla kwiintshukumo zokuthengisa kwaye uthengise ngeebhere. Yeyona ndlela ilungileyo yokuphepha ukwenza iimpazamo ezimbalwa kangangoko kunokwenzeka ukusukela ngoku. Apho unokuthembela kuncedo olubalulekileyo lwemizobo. Kuba zezona ziya kukunika isikhokelo esifanelekileyo sezenzo zakho kwiimarike zezabelo. Nokuba yeyiphi na inkangeleko oyibonisayo ngalo lonke ixesha.