Enye yeenjongo eziphambili zakhe nawuphina umtyali mali, njengoko injalo kwimeko yakho, ngaphandle kwamathandabuzo kukuphuhlisa isicwangciso semali ngokusebenza kakuhle okukhulu. Isicwangciso esidinga ulwazi oluninzi kwicala lakho. Kodwa malunga nesigqibo sokuyiphumeza ngokuchanekileyo. Hayi ngelize, lo mgca wentsebenzo uya kuxhomekeka kwi- ubume beeakhawunti zakho kule minyaka imbalwa izayo. Nokuba uhlala ngendlela ekhululeke ngakumbi kunangaphambili.
Ewe indawo enkulu yoluntu lwaseSpain kufuneka iphuhlise isicwangciso esinemali, esinenzuzo kwaye, ukuba kunokwenzeka, sinokubonelela ngokhuseleko lwakho ipotifoliyo yotyalo mali. Kuba kuyakufuneka ukuba uyazi lonto ayinakulinganiselwa kwi-asethi enye yemali. Kodwa ukuya kwindalo kunye nokwahluka kwendalo, nkqu nakwezinye iimodeli kude kube ngoku awukacingi ngokuthatha izikhundla. Ukwanelisa le mfuno kudala ilindelwe, uya kuba noluhlu lwezicwangciso ezinokuba luncedo kakhulu ekufezekiseni ezi njongo uzicebisayo rhoqo.
Kuba, eneneni, imibuzo oza kuzibuza yona yeyokuba ungaqala njani ukukhuthaza isicwangciso semali. Ukukunceda ukuba uphuhlise ezi ntshukumo, siya kukubonelela ngezimvo ezithile eziza kusebenza kulwalamano lwakho neemarike zezemali. Ayisiyiyo kuphela ingeniso esisigxina, kodwa ikwahluka okwahlukileyo, iimodeli zezemali okanye ezona ndlela zisisiseko ezikhoyo kubhambiso lwangoku lweebhanki. Uya kuba nesindululo esingaphezulu kwesinye ukuze unganyanzelisi ukusebenza kwakho kwiklasi enye yezicwangciso zotyalo-mali.
Isicwangciso sezemali: kutheni usenza njalo?
Le ngxaki iya kusonjululwa yimfuno ekhoyo yebhanki yokonga enamandla kule minyaka izayo. Nokuba ungaphezulu kwama-40 unenjongo eyahlukileyo. Ayikho enye ngaphandle kokukhonza ukuze ujongane nenqanaba le- umhlalaphantsi ngoncedo olukhulu lwezoqoqosho ngeli xesha apho uya kuphulukana nenqanaba lomsebenzi osebenzayo. Inokwenziwa kwiprofayili yotyalomali egcinayo, enobundlongondlongo okanye ephakathi. Ukulingana zonke iimfuno zakho.
Zininzi izinto ezinokwenzeka ixesha elide. Ukusukela ezizezomntu kuphela: imeko yentswela-ngqesho, iingozi zobungcali okanye imeko kanye yeemarike zezemali. Iya kuba yinto enomdla kakhulu kuwe ukuseta iinjongo eziyinyani kwaye ezinokufikelelwa ngaphandle kobunzima obuninzi. Nokuba kunjalo, phantsi kweendlela ezingenangqondo kakhulu kwaye ngaphezulu kokukunceda, abanokukwenza kukulimaza kwimisebenzi oza kuyingenisa ukusukela ngoku.
Apho eyona inzima iya kusekelwa ekuqalekeni kweyona ndlela iluncedo kakhulu ukukhusela umdla wakho kwiimarike zezemali. Ucinga ntoni malunga nokubuya okuphakathi kunye nokumiselweyo okungama-5% minyaka le? Ewe, ayinakwenzeka kwaphela. Ingakumbi ukuba ucofe iqhosha elifanelekileyo kunye amandla aphezulu esengqiqweni ngokwaneleyo ukuhlangabezana neenjongo zakho kwangoko. Siza kukucebisa ngolunye uluvo ukuze ukwazi ukusebenza ngayo nayiphi na iasethi eyimali.
Ndenza isicwangciso ngesigqibo
Amanyathelo okuqala aya kuba kukuyila elona xesha lokwenene lotyalo-mali. Kuxhomekeka kolu tshintsho, unokukhetha isicwangciso esinye okanye esinye sokunxibelelana neeasethi zemali. Ingayi ixesha elifutshane, isithuba seminyaka emibini, emithathu okanye ukuya kwemihlanu okanye ukuncedisana nepenshini oya kuyifumana xa uthatha umhlalaphantsi. Emva koko zibuze ngesigqibo esikhulu ukuba yeyiphi imithombo yengeniso kunye nenkcitho. Ukuze ngale ndlela, ukwimeko ezilungileyo zokukhetha usuku olunye okanye olunye. Iya kuba yintshayelelo yento eyakwenzeka kulo mzuzu kanye.
Ukwenza ikhathalogu kuyo yonke imithombo yengeniso yakho kuya kufuna ukuba uzinike ixesha lokufezekisa lo msebenzi ubalulekileyo. Ewe kuyakufuneka ngokupheleleyo oko bala umvuzo ezivela kumthombo ongahambelani notyalo-mali lwakho. Inokuba yimisebenzi eyongezelelweyo onayo ngeli xesha, naliphi na ishishini, okanye nayiphi na ingeniso evela kwilungu losapho lwakho. Kwaye njengento encinci eyaziwayo evela kwilifa okanye ngumntu onethamsanqa ngebhaso kwimidlalo yamathuba.
Awunakukhetha ngaphandle kokuthabatha kwiindleko ekufuneka uzithwele kuqoqosho lwasekhaya. Ukusuka kwiirisithi zeenkonzo eziphambili kunye nokubonelela ngokurhaxwa ukuya kwezi zihlekisayo. Apho irhafu, i-inshurensi kunye nezinye iindleko ezingabonwanga kuhlahlo-lwabiwo mali lwakho okanye losapho zibandakanyiwe. Ngezi zibalo zilula uya kuba sele unayo imali onokuyisebenzisa kutyalo-mali lwakho, okanye ngakumbi Isindululo esisemthethweni sokuqalisa isicwangciso semali esinyanzelayo. Hayi ngelize, uyaphi ukuze uqondise eyona midlalo ikufutshane.
Zeziphi iimfuno onazo?
Inyathelo elilandelayo kwezi zenzo kufuneka lisekwe ikakhulu Chaza ngokucacileyo ikristale ukuba zithini iinjongo zakho. Kuba ngokwenyani, kwimeko nganye baya kuba baphambuka kwaye ngendlela ethile baphikise. Unokukhetha kwimodeli enobundlobongela kwabanye ngeendlela ezingaphezulu. Nangona kunjalo kuwo omabini la matyala, ngenjongo enye enye ngaphandle kokwenza ukonga kunenzuzo phantsi kwezona ngeniso ziphezulu. Nangona kuyinyani, ukuba kwiimeko ezithile, kuya kuba ngumsebenzi onzima ukusombulula. Ngokukodwa kwezona meko zingathandekiyo ngenxa yeemarike zezabelo. Ngexesha elinamathandabuzo amaninzi malunga nento ekufuneka uyenzile.
Ngaphambi kokuba uqale ukulungiselela isicwangciso sezemali, kuya kuba luncedo kakhulu njengoko unakho Iinkcukacha ezithe xaxe kwiimveliso zezemali, kokukhona kunokwenzeka ukuba uhlalutyo olwenziweyo lotyalo-mali ekufuneka ulwenzile ukusukela ngoku. Ukwazi ngalo lonke ixesha ukuba akukho modeli yokonga ikhuselekileyo. Kuya kufuneka ukhumbule ukuba iimeko ziyatshintsha, kwaye kunjalo nangakumbi kwiimarike nakwiasethi yezemali. Ngesi sizathu, kunyanzelekile ngokupheleleyo ukuba uphonononge kwaye uhlaziye izicwangciso zemali amaxesha ngamaxesha. Ewe kunjalo, iya kuba sesona sicwangciso silungileyo sokukhusela imali yakho ngokufanelekileyo.
Ukuchaza isicwangciso sezemali
Nje ukuba ube nesicwangciso sezemali, yazi ukuba imiceli mngeni ayikapheli. Kodwa usemde umgama ekufuneka uhambe ngawo ukufikelela kwiinjongo zakho ezikhawulezileyo. Ukuze oku kube njalo, akusayi kubakho khetho ngaphandle kokugcina uhoyo rhoqo kwaye uqeqesheke ukumilisela amanyathelo oza kuwasebenzisa ukuphucula ikapitali yakho. Ngokulandela ukulandelelana okuqhubekayo nokuqeqeshekileyo yeentshukumo ekuvunyelwene ngazo ngeeasethi zemali Oko kukuthi, ngokubandakanyeka okukhulu kuzo zonke iintshukumo ozivulileyo. Ngokukodwa ukuba zenzelwe awona magama amafutshane.
Ukuba, ngokuchaseneyo, injongo yakho kukwenza ibhegi yolondolozo ukuze ube nayo xa ufika umhlala-phantsi, kuya kuba kubaluleke ngakumbi ukuba ujonge umahluko phakathi kwengeniso yakho kunye nenkcitho yakho ukuze ukwabele okuseleyo kutyalo-mali. Nangona kunganyanzelekanga ukuba ibe sisixa esipheleleyo esivela kulo msebenzi. Ungatyala imali encinci, kuxhomekeke kwiimfuno onazo ngelo xesha. Ayizusoloko ifana kuba imeko yakho yezemali ingatshintsha nanini na. Ngale ndlela, kuya kuba kokufanelekileyo kakhulu ukuba unokuhlengahlengisa ngokuxhomekeke kubume beakhawunti yakho yokujonga.
Akuyi kubakho khetho ngaphandle kokuhlangabezana noluhlu lweemfuno ukuba ufuna ukuhlangabezana neenjongo ezibekiweyo ukusuka ekuqaleni kwenkqubo. Ukuba iyikhonkco nengeniso esisigxina, ii-equities, iimveliso zezemali, njl. Kuba, enyanisweni, ngamnye kubo uya kubonelela ngeenkqubo zabo zotyalo-mali. Zonke ezi zinto zixabisekileyo zibonisa ukuba kuya kufuneka unikeze imisebenzi ngoguquko olukhulu kwimodeli yotyalo-mali ebizwa njengempahla yexabiso. Oko kukuthi, kulungelelaniswe kuzo zonke iimeko zeemarike ezahlukeneyo zezemali.
Iindlela zokuphatha isicwangciso
Nokuba yeyiphi indlela, iya kuhlala inceda ukuba unayo ezona njongo zisezantsi ukusuka ekubekweni kwemali eyinkunzi ekhoyo. Ukukunceda kulo msebenzi sikunika iimbono ezimbalwa eziya kuba luncedo kakhulu ekusebenzeni. Njengoku kulandelayo esikubhenca apha ngezantsi.
- La ubudala iya kuba yinto ebaluleke kakhulu ekulungiseleleni igalelo lakho kwisicwangciso sezemali. Apho uqala khona kwangoko, uya kuba nemali eninzi kwiakhawunti yakho yokutshekisha kwiminyaka edlulileyo.
- Unokukhetha izicwangciso zokulingana ukuba awukhathali thatha umngcipheko. Ayothusi into yokuba sesona sicwangciso-buchule sokwandisa imali. Ngaphezulu kwezinye iimodeli zezemali.
- Ukuphuhlisa isicwangciso semali kufuneka qikelela iindleko Uya kuba nayo kule minyaka imbalwa izayo. Ukuthintela nayiphi na imeko engafunekiyo apho ungenayo imali eyaneleyo yokujongana nayo.
- Umbono wokukhetha umntu unokuhlala unomdla Inzuzo eqinisekisiweyo. Ukuze ngale ndlela, usoloko unika ezinye izixhobo kulondolozo lwakho kwaye ngaphandle komngcipheko kwicala lakho.
- Ungazibuza phuma uye kwezinye iimarike zezemali apho kunokuba yinzuzo ngakumbi ukutyala imali oyigcinileyo. Kodwa kuya kuba yimfuneko kakhulu ukuba wazise malunga neekhomishini ezisebenza kuwe kubalamli bezezimali.
- Kuya kufuneka ucace gca ukuba ayifani nenkqubo yolondolozo lwakho kule minyaka imbalwa izayo kunokukhetha i ceba umhlalaphantsi wakho. Ayothusi into yokuba zizicwangciso ezahlukileyo eza kufuna iinkqubo ezahlukileyo zemali.
- Hayi ngenxa yokuba ucwangcisa isicwangciso semali kufuneka uvelise inzuzo. Kungenxa yokuba inokwenzeka loo nto iziphumo azibi kwaye ungaphulukana nemali kule misebenzi. Umzekelo, kwiimeko ezithile zoqoqosho.