Vele, elinye lamasu angcono kakhulu wokuvikela ukonga kwethu kusekelwe ekutshalweni kwemali okuhlukahlukene. Kepha akunakwenziwa nganoma iyiphi indlela, kepha nge ukuhlela okulungile yephothifoliyo yokutshala izimali abazoyakha abatshalizimali ezinyangeni ezimbalwa ezizayo. Ngaphezu kwakho konke, kufanele ilinganiswe ngoba kungenye yezindlela zokugwema noma iyiphi uhlobo lwamaphutha lokho kujezisa ukulondolozwa kwethu ngendlela engadingekile futhi engenangqondo.
Ngakolunye uhlangothi, indlela eyiyo yokwehlukanisa okonga isuselwe kungakhawulelwe kwimpahla eyodwa yezezimali. Esikhundleni salokho, ezinye izindlela kufanele zivulekele ezinye izinketho, zombili kumali engenayo nakwezinye izimakethe zezimali ezihlukile (imali, izinto zokusetshenziswa, izinsimbi eziyigugu, njll.). Ngoba okumayelana nakho ekupheleni kosuku akukhona ukugxilisa zonke izimpahla kubhasikidi owodwa. Leli iphutha elibi kakhulu elingaba nemiphumela emibi kubhalansi ye-akhawunti yethu yokubheka.
Ngaphezu kwalokho, iqiniso lokwehlukanisa izimali liphethe olunye uchungechunge lwezinzuzo ezengeziwe. Enye yazo ukuthi izokhiqiza isimo esihle kakhulu kunoma yiluphi uhlobo lwesimo. Hhayi ukutshala imali kuphela ezikhathini zokunweba, kepha nakulezo ezimbi kakhulu ezimakethe zezezimali. Ngoba enye yezinzuzo zokwehlukaniswa kotshalomali ukuthi ivumela sakha kabusha iphothifoliyo yethu izikhathi eziningi njengoba sifuna. Kuya ngesimo sangempela sezimakethe zezimali. Ekugcineni, kumayelana nokuphathwa okusebenzayo kwemali yethu hhayi okumile njengalokho okukhuthazwa ngabatshalizimali abanolwazi oluncane ezimakethe zezezimali.
Hlukanisa: izimpahla eziningi zezezimali
Ngokungangabazeki, esinye sezikhiye zokufeza le nhloso oyifunayo ukuthi khetha amafa wezezimali ahamba phambili yemizuzu yonke. Vele, akufanele sigxile kokukodwa kuphela kusukela lapho sizobe sithuthukisa iphutha lethu kusukela kulezo zikhathi eziqondile. Elinye lamasu asebenza kakhulu ukuhlanganisa ukulingana nempahla yemali engaguquki nezinye izinto, ngemali edlala indima entsha ekwenzeni izikhundla zamanje zivuleke inzuzo.
Ngaphezu kwalokho, kungenye yezindlela ezilula onazo zokuvikela imali etshaliwe. Njengoba izimpahla ezehlukene zezimali zizosebenza amabhuleki ezimweni ezingezinhle kakhulu ezimakethe zezezimali. Ngokutholakala kokuthola inzuzo enkulu kwesinye salezi zimo kuyinkimbinkimbi kakhulu ezithakazelweni zakho maqondana nezwe lemali. Esinye salezi zibonelo simelwe yilokho okubizwa ngezimali ezihlanganisiwe zokutshala imali. Lapho zivulekele izindlela ezahlukahlukene zokuphatha izimpahla zomsebenzisi. Njengoba abaningi babo benza empeleni.
Vulela izinketho ezintsha
Ukwehlukanisa izindlela zokutshala imali akukho okunye ongakwenza ngaphandle kokuba kuguquguquka kalula maqondana nezimpahla zezimali ezikhethiwe. Kufanele ugcine cishe zonke zazo engqondweni. Kusukela kumabhondi kazwelonke wendabuko kuye kokuyinkimbinkimbi, njengokutshalwa kwemali ku-oyela. Ukuze ngale ndlela, usebenzise wonke amathuba ebhizinisi azoziveza wona kusukela manje kuqhubeke. Lokho kusho ukuthi, okuphambene nokuhlala umile nokuthi okuwukuphela kwento engakukhiqizela ukuthi ungene ngokujulile ekulahlekelweni kwakho ezimweni ezingezinhle neze zezimpahla eziningi zezezimali.
Ngakolunye uhlangothi, esinye sezikhiye zokwenza leli qhinga lokutshala imali eliyingqayizivele lincike ekukhetheni ukuphathwa okuguquguqukayo. Lapho usesimweni esihle kakhulu sokukhulisa kancane kancane isimo se-akhawunti yakho yokuhlola. Akumangalisi ukuthi ingashintshwa nganoma yisiphi isikhathi kuzo zonke izimo zezomnotho ezimakethe zezimali. Yize kulokhu, ungeke ube nesinye isixazululo ngaphandle kwe- qaphela kakhulu konke okwenzekayo emnothweni wamazwe omhlaba. Ukushintsha noma usebenzise iphothifoliyo yakho yokutshala imali ngokuya ngesimo ngasinye. Ngalo mqondo, akufanele ukhathalele imigomo yesiphetho ngoba okubaluleke kakhulu ukulandela ukuthambekela kwempahla enhle kakhulu.
Ngebhasikidi lamasheya
Uma imakethe ekhethelwe ukuthuthukisa utshalomali lwakho eyezezimali, uzoba necebo elizokwenza uthuthukise imiphumela yakho kusukela manje kuqhubeke. Akukho okunye ngaphandle kokuncika kubhasikidi wamasheya esikhundleni senani lemakethe yesitoko elilodwa noma ezimweni ezinhle kakhulu eyodwa kuphela. Kepha ngamanani agcwalisanayo ngempela ngendlela ephumelelayo. Lokho wukuthi, abakwazi ukunikeza isinqumo sakho sokuthenga amasheya emabhange amabili noma amathathu. Ngoba uma wenza lokhu uzobe wenze iphutha elikhulu. Futhi ukuthi bazokwazi ujulise ukusikeka uma lo mkhakha ucwiliswa kunqubo ye-bearish yomfutho omkhulu.
Kungcono kakhulu ukubheka izingxenye zesikhwama ezigcwalisana kahle. Ukukhetha iphothifoliyo efanayo yokutshala imali amasheya ahlongozwayo ahlukile njengalawo avela emkhakheni wezamandla, owokwakha, ubuchwepheshe obusha kanye nemikhakha yokudla. Ukuze uvikele izikhundla zakho ngendlela efanelekile kunoma yiluphi uhlobo lwendlela. Vele, awusoze waba nokulahlekelwa ongakuthuthukisa kusuka esiphakamisweni esisodwa noma ezimbili zokulingana. Kuyinto ozoyifunda kancane kancane ngokuhamba kwemisebenzi oyenza ibe semthethweni kusuka kulezi zikhathi eziqondile.
Yiphelelise neminye imikhiqizo
Futhi kuzoba wusizo olukhulu uma uxuba ukuthi yini utshalomali olumsulwa nolunzima ngemikhiqizo ejwayelekile yasebhange. Njengokudonswa kwesikhathi, amanothi ezethembiso zebhange noma ama-akhawunti akhokha kakhulu. Awukwazi ukukhohlwa ukuthi lezi zinhlobo zokonga zingumthombo wenzuzo cishe kuzo zonke izimo. Kuyiqiniso ukuthi kuzoba kuncane kakhulu, kepha okungenani kuzokusiza ukuthi ungangeni ezinombolweni ezibomvu. Ngomphumela ozuzisa kakhulu kulo lonke utshalomali. Ukuqashwa kwakho kuzokhiqiza inzalo cishe ku-1%. Kepha ukukuqinisekisa minyaka yonke ngaphandle kwengozi yangempela kuzikhundla ezivulekile ezingxenyeni zakho.
Amaphesenti okutshalwa kwezimali Izonqunywa yiphrofayili oyivezayo njengomtshalizimali omncane naphakathi. Ngoba empeleni, ngeke kufane kumtshali-zimali onolaka kunenye lapho ukuphepha kunqoba khona okunye ukucatshangelwa kobuchwepheshe nokuyisisekelo. Uzoba nguwe okhetha ukuthi uzokwabela malini kumkhiqizo ngamunye okuyiyona nto yalokhu kusebenza. Lapho umbuso owethulwe yizimpahla ezehlukene zezezimali nawo uzosebenza kakhulu. Ungonga futhi imali encane ukuze usebenzise amathuba webhizinisi azobonakala noma nini.
Iya kwezinye izimakethe zamasheya
Akungatshazwa ukuthi ukujikeleza kwemali yakho kufanele futhi ihlangabezane nalesi simiso esibalulekile. Akufanele ukhohlwe ukuthi ukuma enkombeni ekhethiwe noma endaweni kungaba yiphutha elibi kakhulu elingakhokha kakhulu kusukela manje kuqhubeke. Kufanele uye lapho imali yabalondolozi abakhulu iya khona futhi ngokungaguquguquki futhi ngasikhathi sinye ufunde. Lapho kuzoba khona umzuzu omubi kakhulu lapho kudingeka khona ukuthi ushiye imakethe yemali engenayo eya kwenye eya komunye ekhombisa isimo esingcono sobuchwepheshe. Lokho wukuthi, nge-uptrend ehambisanayo ngokuphelele.
Kulokhu, kungenye isu lokutshala imali elisetshenziswa ngabasebenzisi abanikezela ngolwazi olukhulu ekusebenzeni okwenziwayo. Bayazi ukuthi kufanele baphume nini nokuthi ungagxilisa kuphi iminikelo yakho yezezimali, okungenye yezingxenye eziyinkimbinkimbi kakhulu zalolu hlobo lotshalo-mali. Ngoba, phakathi kwezinto, kuzodinga ukuthengwa okuhle kakhulu. Kepha futhi nokuthengisa. Nakhu okusemqoka ekuphumeleleni kwalaba batshalizimali nokuthi bazi ukuthi bangahlukanisa kanjani imali yabo nganoma yisiphi isikhathi nasezimakethe zezimali.
Ukuvuselelwa ngezikhathi ezithile
Enye yezindlela ezisetshenzisiwe yilezo ezisuselwa ekuhambeni ukushintsha nokuvuselela utshalomali lwakho njalo kaningi. Njengesibonelo, phakathi kokukodwa kuya kathathu ngonyaka. Izokunikeza ukuguquguquka okwanele ukuzivumelanisa nazo zonke izimo ezingenzeka. Kusuka kokunwebekayo kakhulu ngokuhlangana kuya kwabanye lapho ukusikeka kuyindawo ejwayelekile yezimpahla zezimali. Akubalulekile kuphela ukuthi uyisebenzise ekuthengeni nasekuthengiseni amasheya. Kepha, kunalokho, kuzoba wusizo olukhulu kwizimali zokutshala imali, ezibalwe noma nemikhiqizo yezezimali enolaka kakhulu.
Kuzofanele ususe kuphela kwiphothifoliyo yakho lokho kutshalwa kwezimali okungaziphathanga ngendlela obulindele ngayo ekuqaleni. Ukuzifaka esikhundleni sabanye abakhombisa ifayili le- amandla aphezulu aphezulu. Noma okungenani bathengisa ngaphansi kwe-uptrend ejulile esikhathini esifushane naphakathi. Ngale ndlela, inzuzo oyitshalile izokhula, uma kungenjalo ngokumangazayo, uma kunjalo, ukuze ungalahlekelwa yimali ngayo. Kepha ngaphansi kokuhlaziywa ngokucophelela kwezimakethe zezimali.
Ngoba kwezinye izimo ezinye iziphakamiso zizosebenza kwezinye kwezinye. Akumangalisi ukuthi enye yezinzuzo ezinhle zokutshala imali ukuthi ungakhetha phakathi kwemikhiqizo ehlukile yezezimali. Okuningi kunalokho ongakucabanga kusukela ekuqaleni. Kepha uhlala uhlukanisa iminikelo yakho yezezimali. Ungakhohlwa futhi uzoba nezinzuzo eziningi kusukela manje.