Enye yezinhloso zanoma yimuphi umtshalizimali omncane naphakathi kufanele kube ukuvikela izikhundla zabo ezimakethe zamasheya ngaphezu kokunye ukucatshangelwa. Akumangalisi ukuthi kunemali eningi ongayilahlekelwa yiminyakazo ongayenza ngalezi zikhathi eziqondile. Ngenxa yokuguquguquka okwenziwa ngokuvumelana kwamanani abo futhi okungaholela kuko umehluko ozungeze u-5% noma ngamazinga okuqina aphakeme ngokuya ngesici sobuchwepheshe samanani ahlaziyiwe.
Ukuze ngale ndlela, izimo ezingafuneki kakhulu zingagwenywa abasebenzisi be-stock market, okungenye yezinjongo okufanele ziphakanyiswe ngaphezu kwanoma yikuphi okunye ukucubungula kwezobuchwepheshe. Ngezikhathi, njengalezi zamanje, lapho izibani zikhanya kuzo zonke izimakethe zezimali, ngaphambi kokubonakala kukhuphuke izinga lenzalo ngabaphathi bezezimali bendawo ye-euro. Futhi lokho kungaholela ekulungisweni okungathi sína kwizibambiso ezibhalwe emakethe yamasheya kule ndawo ebalulekile yendawo.
Ngenkathi ngakolunye uhlangothi, asikwazi ukukhohlwa kusukela manje kuqhubeke ukuthi isixwayiso kufanele kube yiso esivamile kuyo yonke imisebenzi yethu ezimakethe zezezimali. Noma ngabe iyiphi impahla oyikhethele imali yokonga kwezinye izikhathi ezikhetheke kakhulu ukuhlobana nezwe lemali eliyinkimbinkimbi njalo. Ukuze lokhu kube ngale ndlela, akukho okungcono kunokusebenzisa imihlahlandlela ethile yesenzo engasiza kakhulu kunoma yisiphi isimo ezimakethe zezimali.
Okhiye: thola ngenani
Akungabazeki ukuthi lesi yisici okufanele sihlonishwe kakhulu ngoba sizothinta ukuvela okulungile kwe- Iphothifoliyo yokutshalwa kwezimali. Ukufeza le njongo ebalulekile, kuzodingeka ukuthi ulawule ukunyakaza kwabo ezimakethe zamasheya ukuze wazi ukuthi yimaphi amanani aveza isici sobuchwepheshe esingcono ngaso sonke isikhathi. Ukukhetha labo abasesikhathini esiphakeme esivumela ukuthi bafinyelele emazingeni aphezulu ngokuvumelana kwamanani abo. Futhi uma kungaba ngaphansi kwenani lokukhuphuka kwamahhala, khona-ke kungcono kakhulu kuzintshisekelo zethu. Akumangalisi ukuthi yizimo ezinhle kakhulu zabatshalizimali.
Ngakolunye uhlangothi, kulula kakhulu ukuhlaziya izinga lesikweletu okungenzeka ukuthi lezi zinkampani ezibalwe zinazo. Ngaphezulu kokukhula kokukwazi ukufinyelela enanini elihlosiwe elalisungulwe ngaphambilini yizindlu ze ukuhlaziywa kwemakethe yezimali. Lesi ngesinye sezici okungafanele sintuleke lapho kukhethwa amasheya amahle kakhulu emakethe yamasheya, noma ngabe kuzwelonke noma ngaphandle kwemingcele yethu. Ngoba izomaka ukuthambekela kokutshalwa kwemali nhlobo ngemigomo yokuhlala unomphela: okufishane, okulingene nokude.
Thola izinkampani ezizinzile
Kuzobalulekile futhi ukukhetha amasheya anika abatshalizimali abancane nabaphakathi ukwesaba okukhulu. Ziyacatshangelwa Azenzelwe ukutshalwa kwezimali okuvamile noma okuncane ngokubuka kwabo. Uma kungenjalo, kunalokho, kufanele kubhekiswe kulayini bebhizinisi abemukelwa ngokuphelele izimakethe zezezimali ngoba lesi sici sinomthelela ekunikezeni uzinzo ekucushweni kwamanani. Lesi yisici esidingeka kakhulu ekwenziweni kwephothifoliyo enengqondo futhi elinganiselayo kuyo yonke imibono.
Ngakolunye uhlangothi, akufanele kukhunjulwe ukuthi lezi zinhlobo zezinkampani azijwayele ukukhulisa ukuwa okukhulu ezimakethe zezimali. Kepha kunalokho, gcina ukuzinza okukhulu kuzintengo zabo, ikakhulukazi esikhathini eside sokuhlala kwabo. Ngakho-ke kuyisu elisebenza kakhulu lokwenza iphothifoliyo yemakethe yamasheya ezinzile kancane kancane ukwenza ukonga kube nenzuzo ngokuvikelwa okukhulu enhlokodolobha etshalwe kuzo zonke izinhlobo zemikhiqizo yezezimali, hhayi kuphela ekuthengweni nasekuthengisweni kwamasheya ezimakethe zezimali .
Tshala imali kuphela lokho okudingekayo
Elinye isu lokutshala imali ongalisebenzisa kusukela manje ukusebenzisa imali eyanele. Ungazami ukuhlinzeka ngemali ethe xaxa ekusebenzeni ngoba ungaba nokumangala okungajwayelekile nganoma yisiphi isikhathi. Ngoba ungadinga imali lapho ubhekene nenkokhelo engalindelekile noma ukhokhe isikweletu ngaphambi kwabantu besithathu. Ngoba kuyadingeka ukuthi ube nomatilasi ku-akhawunti yakho yokuhlola ukukuvikela kwezinye zalezi zimo esiziphakamisile kule ndatshana. Akumangalisi ukuthi kungaholela ekubeni wenze izinto ezimbi ezikwenza ulahlekelwe yimali ekusebenzeni kwemakethe yamasheya okwenziwe kulezi zimo ezithile.
Ngenkathi wenze okuphambene nalokho, ngeke uvezwe ukulahleka okukhulu esitatimendeni sakho semali engenayo. Hhayi ize, ungahlanganisa utshalomali lwakho neminye imikhiqizo engenayo engaguquki, njenge imali yasebhange yesikhathi esinqunyiwe. Yize bezokunikeza imbuyiselo ephansi kakhulu engeke ibike ngaphezu kwe-1%, kepha ngesiqinisekiso esiphelele sokuthi ngeke ulahlekelwe yi-euro eyodwa kulolu hlobo lotshalo-mali. Leli iqhinga elijwayele ukusebenza kahle ngezikhathi zokungazinzi okukhulu ezimakethe zezimali. Ngaphezu kwalokho, ngeke kukubize lutho ukukufeza kusukela manje kuqhubeke.
Musa ukutshala kuphela ekuvikelekeni okukodwa
Akungabazeki ukuthi ukwenza utshalomali ngempahla eyodwa yezezimali kuyiphutha elikhulu elingakhokha kakhulu ngalo. Ebhekene nalesi simo, esinye sezikhiye sisekukwakheni ubhasikidi wamasheya noma izimpahla zezimali ngenhloso eyinhloko yokugcina ukulinganiswa kweminikelo yemali eyenziwe. Ngakolunye uhlangothi, kuyindlela elula kakhulu yokwenza funa ukonga imali ngaphezulu kokunye ukucatshangelwa kobuchwepheshe, futhi mhlawumbe futhi kusukela ekubukeni kwedatha yakho eyisisekelo. Ngokunye okunye, akungabazeki ukuthi uzothatha izingozi ezingaphansi kakhulu kuze kube manje, okugcina kungukuthi laba baphathi bakhuluma ngani.
Awudingi ukwenza leli su ngaphakathi kwezimakethe zezimali. Uma kungenjalo, ngokuphambene nalokho, ungakwenza kube semthethweni nezinye izimpahla zezezimali, kufaka phakathi lezo ezivela emalini engenayo engaguquki noma ngisho kusuka kwezinye izinhlobo zokutshala imali. Ukuze ungeke ulahlekelwe yimali ngasikhathi sinye njengoba kwenzeka ngokuvamile lapho utshala imali oyilondolozile ekuvikelekeni kwezezimali okukodwa noma kwempahla lapho ubungozi bokusebenza bukhuphuka ngamandla athile. Njengoba uzokwazi ukuqinisekisa ekusebenzeni owake wakwenza eminyakeni eyedlule nangaso sonke isiqiniseko sokuthi bekungeke kube kuhle kakhulu kuzintshisekelo zakho. Uma kungenjalo kunalokho okuphambene, njengoba nawe ngokwakho ungakufakazela ngalesi sikhathi.
Buyekeza izindlela zamanani
Vele, leli qhinga eliyingqayizivele lilusizo olukhulu ekuthuthukiseni ukusebenza kwemakethe yamasheya, yize kubuye kube nengozi yokuthi akubona bonke abatshalizimali abancane nabaphakathi abakwaziyo ukulenza ngolwazi. Ngakho-ke ukubaluleka kokuba nemininingwane ecace bha yokuthi kufanele uyihambise kanjani le misebenzi ezimakethe zezimali. Kuzobaluleka impela ukuthenga lezo ezihlangabezana nale mibandela. Icebo elincane lokwenza lolu hlelo lokutshala imali lususelwa entweni eyisisekelo njengokuthi inani kumele libe ngezansi ngaphezulu wakhe isilinganiso sezinsuku ezingama-50 noma eziyikhulu. Ukusetshenziswa kwayo kuyaqabukela kwehluleke, kungakhathalekile isikhathi saphakade lapho uqondisa khona utshalomali lwakho.
Ngenkathi ngakolunye uhlangothi, elinye iqhinga elingasetshenziswa ukwenza lokhu kutholakala ezimakethe zezimali liqukethe ukuthenga amasheya angaphezulu. Lokho kusho ukuthi, bawele kakhulu ezimisweni zokugcina zemakethe yamasheya ngakho-ke kuyizimo ezikahle zokuphinda ziphinde zivuleke futhi zinamathuba amaningi okuthi lezi zinhlangano zizoqala ukusebenza ezimakethe zezimali, kuzwelonke nangaphandle kwemingcele yethu. Yikhiphe futhi uzobona ukuthi izimali zakho ezihamba phambili zihamba kanjani kangcono kakhulu kulezi zikhathi eziqondile.
Ngamanani ku-uptrend
Esinye isixazululo sezinkinga zakho ngalezi zimali silele ekutheni inani elingaphezulu kwalezi zimali esesizidalulile phambilini linamandla kakhulu kunezinye, noma okungenani alikho kakhulu. Yize uma iwela ngaphansi okufanayo akukho kungabaza ukuthi bazobe besesimweni sokuba ku inqubo yokulungisa ecacile. Lapho ungathola khona la masheya afanayo ngamanani entengo yokuncintisana ezinsukwini ezimbalwa noma emasontweni ambalwa kamuva. Ngokuqina okukodwa noma okunye maqondana nokwehla kwamanani entengo ezimakethe lapho lezi zimpahla zezimali zibhalwe khona.
Kufanele kube ukusebenza okufanele ukwenze ngokucophelela okukhulu ngenxa yezingozi ezihilelekile kulolu hlobo lokunyakaza olubheke phansi ngendlela ethile futhi ekhethiwe. Akumangalisi ukuthi kufanele uhlinzeke ngezinga eliphakeme lolwazi isu elizosetshenziswa kulezi zimali ezikhethekile kuzo zonke izindawo zokubuka. Lapho ungalahlekelwa khona okuningi uma ungakwenzi ukwenza njengoba ufisa kusukela manje.