Utyalomali: ungenza ntoni xa unamafutha eKrisimesi?

Ngamafutha eKrisimesi ungongeza ngakumbi iiasethi zakho zobuqu

Ukuba unethamsanqa kunye nejackpot yelottery yeKrisimesi, Siyavuyisana nawe, ngekhe usombulule ubomi bakho, kodwa ukuba wenza inzuzo ngokufanelekileyo, uyakube uyiphumezile injongo yakho, kwaye mhlawumbi akusafuneki ukuba usebenzele ukuphumla kweentsuku zakho. Ngokuqinisekileyo uya kwazi ukuba xa uphethe ibhaso leshumi kule mizobo yemveli phakathi kwabaseSpain uyakuba sisigqubuthelo seendaba ezininzi kuba Uyakube uthinte ii-euro ezingama-400.000. Nangona ayizizo zonke izinto eziza kuya kwiakhawunti yakho yokutshekisha, kuba iirhafu azizukuthatha indawo engathethekiyo yale mali.

I-20% yexabiso lakho liza kuya kuNondyebo, kwaye ngenxa yoku, inzuzo epheleleyo yokusebenza iya kuba ngama-320.000 euros. Ayizukubi nokuba, ucinga ukuba ungayenza ibe nengeniso nangakumbi, uyise kwimida engalindelekanga nje ukuba iimarike zezemali zixhase utyalomali lwakho. Ngayiphi na imeko, iya kuba malunga nokuhambisa le capital ongakhange ube nayo kwaphela. 

Iya kuba lithuba elifanelekileyo lokuyila imodeli yotyalo-mali eya kukwenza wandise kakhulu ubutyebi bakho obutsha. Usenokungayazi, kodwa phambi kwakho uthotho lweemveliso zezemali ukufezekisa ezi njongo, ukubala kumatrasi oqinileyo kwimeko yokuba izinto zinikezwe kakubi kulawulo lwayo.

Ngokukhawuleza xa utyalo-mali lukunceda, uya kufumana ubutyebi bakho bonyuke phakathi kwe-10% kunye ne-20%. Oko kukuthi, ngebhaso lakho lama-euro angama-320.000, liya kuba ngama-390.000 euros. Ukuzimisela ukuyonwabela kuhambo, iziyolo zobomi, kwaye kutheni kungenjalo, kolunye umsebenzi wentlalontle ukunceda abanye, abo bakudinga kakhulu.

Ukufezekisa le njongo iphakanyisayo, kuya kufuneka uhlangabezane neemfuno ezintathu. Yiba ngumphathi weshumi ophumeleleyo, cwangcisa isicwangciso esiliqili sokutyala imali ukuze wenze inzuzo, kwaye ke, ukuba ibe yimpumelelo. Kodwa ungakhathazeki, ukuba awuyazi indlela yokuyiphuhlisa, siya kukunceda ukuba ukufezekise. Ngothotho lwezindululo, ekunzima kakhulu ukuzizalisekisa, kwaye ngokuqinisekileyo ziyinyani, eziya kufuna phantse yonke imali yakho ukuba yenziwe.

Isitshixo sokuqala: gqiba ngengxowa

Ngokutsho kwabanye abahlalutyi bemarike yemasheya Unyaka olandelayo unokuba ngunyaka wezabelo zaseSpain, emva kohambo oludanisayo ngonyaka ka-2015 apho i-Ibex 35 ibimile, kumanqanaba afanayo nasekupheleni kuka-2014, njengesiphumo - phakathi kwezinye iziphumo - zokungaqiniseki okuveliswe lunyulo olwenziwe kule indawo yemozulu.

Nje ukuba kucace, inokuba lixesha lokutyala imali yejekhpothi kweyona amaxabiso ashiyekileyo esalathiso. Ngale ndlela, ezo zinxulumene nezinto zokwenza imveliso zezona zinokwenzeka ukuba zibe ngabagqatswa bokuziqesha. Ukuba banokufumana kuphela inxenye yelahleko kulo msebenzi, oko kuya kubonisa ukuba utyalo-mali lwakho luyakuphinda kabini imali oyityalileyo.

Nangona kunjalo, sisindululo esindlongondlongo, esithi inokumodareyithwa ngolwahlulo ekukhetheni ukhuseleko ngokhuseleko oluvela kumacandelo ahlukeneyoUnokukhetha nokubandakanya kwiphothifoliyo yakho yotyalo-mali ukubonakaliswa kweenkampani ezidweliswe kwamanye amazwe okutshintshiselana ngesitokhwe, kubandakanya ukumelwa okuncinci kwezo zisakhulayo.

Isitshixo sesibini: ukwahlula utyalo-mali lwakho

Ukwahlula utyalo-mali lwakho yeyona ndlela ingcono yokukhusela imali oyityalileyo

Okokugqibela, ukuba awufuni ukuchitha inxenye yomvuzo wakho, awuzukukhetha ngaphandle kokukhetha ukwahluka okukhulu kolondolozo lwakho. Njengefomyula yokuqinisekisa igalelo elenziweyo. Ngomvuzo osisigxina kunye nokwahlukileyo, kodwa ngaphandle kokulibala ezinye iimodeli, kunye neemveliso zokonga ngokwesiko (iibhondi, iidiphozithi, amanqaku ezithembiso zebhanki, njl. Ngale ndlela kuphela apho uya kuba nakho ukuqinisekisa ubuncinci bokusebenza, nangona ungakhange ubenomtsalane kakhulu.

Ukuba ufuna ukuzola kancinane kwezi nyanga zilishumi elinambini zizayo, unenye indlela yokwenza isivumelwano sengxowa mali yotyalo-mali yendalo exubeneyo, apho iiasethi ezivela kwimali engenayo esisigxina kunye neguquguqukayo zibandakanyiwe kwipotifoliyo. Iya kuba yinto enomdla kakhulu ukuba ibiya kuba bhetyebhetye, ukuze ikwazi ukuziqhelanisa nayo nayiphi na imeko kwiimarike zemali, nkqu nakwezona meko zingathandekiyo.

Ngale ndlela, uya kunika ukungqinelana ngakumbi kulondolozo lwakho, kwaye utyalo-mali lwakho lunokubakho ngendaleko elungileyo, phakathi kwe-5% kunye ne-10%, ukuba balandela iziphumo ezifanayo njengakwiminyaka edlulileyo. Njengomphumo wale meko, uya kufumana phakathi kwe-15.000 kunye ne-30.000 ye-euro eyongezelelweyo ngokubetha kwethamsanqa, kwaye ngaphandle komzamo omkhulu kwicala lakho.

Isitshixo sesithathu: ukukhangela eyona ndlela ikhuselekileyo

Ukuba, emva kokufumana ibhaso elibaluleke njengeKrisimesi, utshintsha isicwangciso-qhinga sakho kwaye ukhethe imodeli ekhuselekileyo, awuzukukhetha ngaphandle kokuyikhokelela kwidiphozithi yekota. Kodwa hayi nangayiphi na indlela, ngenxa yenzuzo ephantsi yezi mveliso zebhanki. Unokukhetha ukujolisa kwirhafu kubathengi abatsha, kwaye inentsebenzo engcono kuneemodeli zesiko. Phakathi kwe-1% kunye ne-2%, kuxhomekeke kwisindululo esikhethiweyo.

Ngesiqinisekiso esipheleleyo sokuba uza kuyifumana kwakhona imali oyityalileyo, kunye nenzuzo encinci, nantoni na eyenzekayo kwiimarike zezemali. Esi sicwangciso-qhinga siya kukuqinisekisa ngengeniso kunyaka-mali olandelayo ukuya kuthi ga kwi-6.000 euro.

Isitshixo sesine: kwiimarike ezizezinye

Ngokuqinisekileyo inokuba ngunyaka weemarike ezizezinye, ngakumbi iiasethi zemali eziwe kakhulu ngowama-2016. Ngokukodwa, amandla kunye nezinto ezingasetyenziswanga, ezinokukunika ithuba lokuqhubeka nokwenza imali. Mhlawumbi ngaphandle kokunyuka okumangalisayo, kodwa ngeepesenti ezinomtsalane ngokwaneleyo ukuba zinganyusa kakhulu iiasethi zakho kwezi nyanga zilandelayo. Olu tyalo-mali lunokwenziwa ngeendlela ezahlukeneyo, nokuba kukwinkampani kula macandelo adweliswe kwimarike yemasheya, okanye ngeephothifoliyo eziphuhliswe ngemali yotyalo-mali nakwii-ETFs.

Isitshixo sesihlanu: ukubheja kweyona amaxabiso asezantsi

Ukusebenza ngetyala kunokuphucula iinzuzo ezinkulu zekapitali

Unokunika umnqweno othile wokuvela kwiphothifoliyo yakho yotyalo-mali ngokusebenza kwetyala. Apho uzakukhetha amaxabiso ocinga ukuba angahla kulo msebenzi mtsha. Kungenxa yokusilela kwiinkampani zabo okanye kumacandelo abo, okanye kungenxa yokuba kule minyaka amaxabiso abo enyuke kakhulu. Njengomphumo wale nkqubo, tshintsha imeko, okanye wenze nje intshukumo yokulungisa kumaxabiso abo. Yindlela enobundlongondlongo yokuphucula iziphumo zakho kwiakhawunti yokutshekisha, eya kuthi ifune ulwazi olunzulu ngeemarike zezemali, nangona umvuzo uya kuba yeyona nto uyithandayo.

Isitshixo sesithandathu: ukubolekisa ngemali ebantwini

Indlela yoqobo yokufumana imbuyekezo engaphezulu kwimpumelelo yakho kumdlalo kukuboleka imali kwabanye abantu. Ngokusebenzisa amaqonga phakathi kwabantu, apho abanye baqhubela phambili imali kwabanye. Into ebizwa ngokuba yi-P2P eyenziwe yasebenza kwi-intanethi. Ngale mijelo yezemali eyahlukileyo, unokufezekisa isivuno esiqikelelweyo malunga ne-6,50% minyaka le njengombolekisi wabucala. Oko kuyakuvumela ukuba ufumane isibonelelo esipheleleyo esiphantse sama-25.000 euros ngonyaka.

Isigqibo sokunyusa ubutyebi bakho

Ngezinye iingcebiso ungenza umvuzo ube nenzuzo

Ukuba nesixa esiphezulu sokuzinikela ngokupheleleyo kutyalo-mali kuyonyusa amathuba okuba ngusozigidigidi kakhulu, nkqu usebenzisa ezinye iimveliso ngokudibeneyo nezo zesintu, kwaye utyalomali oluqhelekileyo alunakuba semthethweni. Ngayiphi na imeko, kuya kuba lula ukuba ulutyalo-mali ulunike neempawu zalo, ukuba ufuna ukulwandisa ngeyona ndlela ichanekileyo ukwanelisa iimfuno zakho. Ngokusisiseko baya kuvela kwezi ngcebiso zilandelayo:

  1. Ukuba ngusozigidi omtsha Iya kukuvumela ukuba ufikelele kwiimveliso zezemali kude kube ngoku kuthintelwe yimeko yezoqoqosho yangaphambili, kunye nezibonelelo ezilandelwayo ekusebenzeni kwemali.
  2. Njalo ungabeka emngciphekweni igalelo elikhulu, ngokufumana ezona mfuno zisisiseko ziphambili, nkqu nengxowa mali yolondolozo enamandla.
  3. Uyakwazi ukubala ngenkonzo yokucebisa esebenzayo ngakumbi, ngenxa yesimo esitsha soqoqosho, kubandakanya ulawulo olwenziwe ziibhanki kwiiasethi ezinkulu.
  4. Ukuba nakuphi na ukubheja kotyalomali kuhamba gwenxa, ayizukubangela lahleko yezemali, kodwa Ungayifumana kwakhona ngotyalo-mali olulandelayo, isijolise ngokuchanekileyo.
  5. Ngaphandle kothandabuza Umda wakho welahleko uya kubanzi ngokungapheliyo, kunye nethuba lokubandakanya iimveliso ezinobunkunkqele ezivelisa inzuzo enkulu yesisa, kwaye kwezinye iimeko zingaphezulu komndilili oqhelekileyo kwezi meko.
  6. Awuyi kuthintelwa ekusebenzeni kunye neprofayili ecacileyo yokuzikhusela, Kodwa uya kuxhaswa ngayo yonke i-asethi yakho, kwaye uvule izicwangciso ezintsha zotyalo-mali kude kube ngoku bambalwa abaphandiweyo.
  7. Awuyi kukhathalela kangako malunga neendleko kwiikhomishini, okanye kulawulo lwakho lokugcina, onokuvuzwa ngendlela ecacileyo nengqalileyo. Nokuba uhlawule irhafu, nangona imbuyekezo ikukhathaza kancinci ekuqaleni.
  8. Kuya kuhlala kulula ukwenza inzuzo enkulu nge-capital ye-320.000 euro, njengeyakho, ukuba nge-5.000 okanye i-10.000 euro, njengoko kwenzekile kuwe ngaphambi kokuba ube nethamsanqa ngejackpot yedraw.
  9. Uza ku kwiimeko ezingcono ukusebenzisa iindlela zokukhusela ulondolozo lwakho ngokugqibeleleyo, ukulungelelanisa iprofayili yakho yotyalomali: ukuzikhusela, phakathi okanye ubundlongondlongo.
  10. Kwaye okokugqibela, ukuba uziva ungenakho ukulawula ulondolozo lwakho, ungakhathazeki kakhulu kuba awuzukuba neengxaki ezinkulu zokuhambisa le misebenzi kwibhanki yakho yesiqhelo. Ngawo onke amathuba baya kuwuthanda umbono, kwaye uya kuba nakho ukuwenza, ngaphandle komzamo owenzayo. Ngenkonzo yebhanki, eyenzelwe abathengi ababalaseleyo, phakathi kwayo ukusukela ngoku uya kuzifumana ngaphandle kwamathandabuzo.

Yiba ngowokuqala ukuphawula

Shiya uluvo lwakho

Idilesi yakho ye email aziyi kupapashwa. ezidingekayo ziphawulwe *

*

*

  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.