Esinye sezimo ezimbi kakhulu ezingavela ukulahleka kuphothifoliyo yakho yokutshala imali. Ngeke nje kube yisimo esingafuneki, kepha kungakudalela ikhanda elingajwayelekile. Ngoba ngeke ube sesimweni sokuthengisa amasheya akho nangobungozi obengeziwe bokuthi amasheya akho angaqhubeka ukwehla ezimakethe zezimali. Kuze kube seqophelweni lokuthi yinto ohlangabezane nayo kaninginingi emlandweni wakho njengomtshali-zimali omncane naphakathi.
Onke amasu akho kumele ahlose ngawo ukugwema lesi simo esingemnandi. Kepha ezimweni eziningi awunakukhetha ngaphandle kokucabanga njengomphumela we-inertia yezimakethe zezimali ngokwazo. Kuyinto engeke ilawulwe ukusebenza kwakho. Lapho uzoba nezixazululo ezingaphezu kwezimbili kuphela. Noma thengisa amasheya ngomphumela ukukhubazeka. Noma, ngokuphambene nalokho, linda izinto zikuhambele kangcono futhi amanani entengo amasheya abuye aze afinyelele entengo yokuthenga efanayo.
Kuzo zonke, kusukela manje uzoba nochungechunge lwamasu okutshala imali azokusiza ekulahlekelweni okungenzeka ukuthi ukwenze ekusebenzeni kwakho ngamasheya. Kulula ukuzisebenzisa futhi ngeke zidinge ulwazi olukhethekile ukuze zenziwe kusukela manje kuqhubeke. Zinemvelo ehlukahlukene ukuze ukwazi ukuzingenisa ngokuya ngephrofayili oyethula njengomtshalizimali: ulaka, ulinganisela, noma ukuzivikela. Kunoma ikuphi, kuzoba ithuluzi elizokunikeza ukusebenza kahle okukhulu ezenzweni zakho. Futhi ngokuzethemba okukhulu ekusebenzeni kwakho emhlabeni wemali.
Ungakugwema ukulahleka emakethe yamasheya?
Vele, kuzoba nzima kakhulu kuwe ukugwema ukuvela kwalesi simo. Ukungasho ukuthi akunakwenzeka. Akumangalisi ukuthi imakethe yamasheya akuyona isayensi futhi noma yini ingenzeka, ngisho nokukwazi ukulahlekelwa ama-euro amaningi kunalokho obekulindelwe ekusebenzeni kwesitoko okwenzayo kusukela manje kuqhubeke. Kepha yini yebo ongakuthola ukukhawulela kubo. Ukuze ibhalansi ye-akhawunti yakho yokuhlola ingakhiqizi ukungajabuli okungaphezu kokukodwa eminyakeni ezayo. Ukwenza lokhu, kuzofanele ulandele amanye amathiphu esizokudalula wona.
Ukufeza lezi zinhloso ekudala zilindelwe, ngeke kudingeke nje ukuthi wenze izinkomba ezicacile nezichazwe kahle zezenzo. Kepha kuzodingeka futhi ukuthi ushintshe eminye yemikhuba onayo ebudlelwaneni bakho nezimakethe zezimali. Ngenhlanhla encane nokuziphatha okuthile ngeke ube nezinkinga ezeqile kusukela manje, ibhalansi ye-akhawunti yamanje ayihlupheki ngokweqile. Ukufika ezingeni lokuthi ungalahlekelwa yingxenye ebaluleke kakhulu yezimpahla zakho.
Ukhiye wokuqala: diversify
Kuzoba ngumthetho oyisisekelo ukuvikela ukonga kwakho ezimeni ezingathandeki ezingalethwa yimali yakho. Lelisu lokutshala imali lingasetshenziswa ngokungatshali imali oyilondolozile ngevelu nje. Kepha kokuningana futhi uma kungenzeka zivela izimpahla ezehlukene zezimali. Imali engenayo engaguquguquki, eguquguqukayo, ehlukile kanye nemakethe yezimali entsha engajwayelekile iyindlela enhle kakhulu yokwakha iphothifoliyo yakho kulezi zikhathi eziqondile.
Ngisho nangomkhiqizo wezezimali oqoqa le minikelo ekutshalweni kwemali. Izimali zokutshala imali zingenye yeziphakamiso ezibamba kahle lo mkhuba oyingqayizivele. Ngoba empeleni, amaphothifoliyo akho angakhiwa ngempahla ehlukahlukene yezezimali. Kusuka kumabhondi ezinkampani kuze kuthengwe amasheya ezimakethe zokuqala zezimali ongazithola njengamanje. Ngemiphumela egculisayo kakhulu kubantu abasebenzisa la macebo.
Ukhiye wesibili: ukuphathwa okusebenzayo
Akungabazeki ukuthi lesi senzo sizokusiza ukuthi uphathe kangcono utshalomali lwakho. Ikakhulukazi ezimweni ezingezinhle neze ezimakethe zezezimali. Ngesizathu esikhetheke kakhulu futhi lokho ukwazi guqula ukunyakaza kuzo zonke izimo ezingenzeka. Kusuka kokulusizo kakhulu kuzintshisakalo zakho kuya kokwenziwayo ngezikhathi zokwehla komnotho. Futhi kunenzuzo ebalulekile yokuthi abaphathi uqobo bazophatha ukwenza lezi zinguquko kuye ngezimo ezivela ngaso sonke isikhathi.
Inkinga enkulu ekwenzeni lokhu ukuthi imbalwa kakhulu imikhiqizo yasebhange noma yezezimali enikeza lesi sici. Futhi futhi yizimali zokutshala imali ezikunikeza ngazo zonke izindlela. Ngaphansi kokuphathwa okusebenzayo kokonga kwakho futhi lokho kuqhathanisa namafomethi wokutshala imali. Yikuphi okuhlala kugcina ukwakheka okufanayo. Noma yini eyenzekayo noma ngabe kunezinkinga ezinkulu kwezinye zezimakethe zezimali ezikhethiwe. Umehluko omkhulu ongakusiza uphume ezinkingeni. Ikakhulu ezikhathini ze-bearish zezimali.
Ukhiye wesithathu: hlanganisa eziningana
Enye yezinkinobho ezibaluleke kakhulu ukuze ukulahlekelwa kwakho kungabi kukhulu kakhulu ukusabalalisa imali oyongile imikhiqizo ehlukahlukene yezezimali. Sivela ku imali engenayo engaguquki neguquguqukayo noma ngisho nokukhetha enye imakethe engajwayelekile. Lapho lezo zezinto zokusetshenziswa, izinsimbi eziyigugu noma ezezimali kungaba yikho okuphakamisa kakhulu ukuhlanganisa utshalomali lwakho kusuka manje. Imiphumela, njengoba ubona, iyamangalisa ngoba ukulahlekelwa kuzoncishiswa kakhulu. Ngempumelelo enkulu kunalokho ongakucabanga kusukela ekuqaleni.
Ngale ndlela, uzokwazi uku hlanganisa imali yesikhathi, amanothi asebhange, ukuthengwa nokuthengiswa kwamasheya, utshalomali noma izimali ezibalwe ngisho nama-akhawunti wokuhlola imali ephezulu. Njengomphumela waleli su eliwusizo kakhulu, uzokwazi nokukhetha imikhiqizo eyinkimbinkimbi kakhulu engakunikeza inzuzo ethe xaxa eminikelweni yakho yezezimali. Inzuzo onayo ukuthi uzobe usesimweni esihle kakhulu ukuhlanganisa noma imuphi umkhiqizo noma impahla yezezimali.
Ukhiye wesine: phuma emingceleni
Ukuze unciphise ukulahleka ongase ukwenze kusukela manje kuqhubeke, futhi ungaya kwezinye izimakethe zamazwe ngamanani. Akumangalisi ukuthi kuhlala kukhona ezinye eziziphatha kangcono kunezinye futhi ungasizakala ngaleli inertia ngokuthambekela kwamanani abo. Izokunikeza i-margin engcono ku gwema izimo ezingezinhle kakhulu ngentshisekelo yenhlokodolobha oyitshalile. Noma ungekho okunye ongakwenza ngaphandle kokubhekana namakhomishini athe xaxa azokubiza ngokusebenza ezimakethe zezimali ezingaphandle kwemingcele yethu.
Vele kuzokusiza bamba wonke amathuba zebhizinisi ezethulwayo. Nganoma yisiphi isikhathi futhi kuzilungiselelo ezahlukahlukene. Akunamkhawulo ekusebenzeni kwakho ngoba uzoba nguwe kuphela obabeka kubo ezindleleni zakho ukuze baqondane nezwe eliyinkimbinkimbi lemali. Kusukela emalini yase-United States kuya kuleyo yezwekazi elidala, kufanele bakhohlwe ngezimakethe zamasheya zase-Asia noma zaseLatin. Zibandakanya ubungozi obukhulu, kepha ngasikhathi sinye umvuzo uzoba mkhulu. Njalo ngenhloso yokunciphisa ukulahleka kwesitatimende sakho semali engenayo.
Ukhiye wesihlanu: khawula iminikelo
Enye indlela esebenzayo yokuvikela izintshisekelo zakho njengomtshalizimali omncane naphakathi. Ngoba kuzokuvumela ukunciphisa ukukhubazeka ngendlela eguquguqukayo. Akumangalisi ukuthi imali esengozini izoba ncane ngakho-ke uzoba nobungozi obuncane kunezinye izimo ezibanzi ngokwendlela yemali yokubuka. Ngoba empeleni, awudingi ukuthi utshale yonke imali etholakalayo, kepha ngengxenye yayo, kuya ngezidingo zakho zezomnotho. Noma ngabe unemali enesizotha kakhulu yokugwema ukuthatha izingozi ngokweqile ekuhambeni kwakho emakethe yamasheya.
Ngaphezu kwalokho, izokunikeza iqiniso lokuthi ungaba nesikweletu esikhulu lapho kuvela khona amathuba amahle kakhulu kunoma yiziphi izimakethe zezimali. Okuthile okungenakwenzeka, uma kunalokho, utshala yonke imali yakho ngasikhathi sinye. Uma wabela phakathi kuka-20% no-60% wemali oyongile, izokwanela ngaphezu kokwanelisa izifiso zakho zokutshala imali. Ukushiya iqoqo labo ukwenza imisebenzi emisha ezinyangeni ezizayo.
Ukhiye wesithupha: cha kulezi eziyinkimbinkimbi
Okokugcina, awukwazi ukukhohlwa ukuthi ukungabikho kwakho ekuthatheni isikhundla emikhiqizweni enolaka kakhulu kuzokusiza ukuphatha imali yakho. Eziningi zazo zibandakanya izingozi ezeqile futhi ikakhulukazi uma ungenalo ulwazi olwanele lwezezimali ukuze usebenze nalezi ziphakamiso. Lapho ukuvela okubi kwazo kungadala ukuthi ulahlekelwe ngama-euro amaningi Konje. Kufika kumazinga angaba yingozi kuzintshisekelo zakho. Lapho kungenzeka khona ukuthi ushiye ingxenye enhle yenhlokodolobha maphakathi.
Iziqinisekiso, ukuthengiswa kwezikweletu, okuphuma kanye nezinye izimali zokutshala imali kungeminye yale mikhiqizo lapho ungalahlekelwa khona yimali ethe xaxa kunesidingo. Kuze kube seqophelweni lokuthi ucabanga ukuthi akukufanele ukutshala imali kulezi zinhlobo ezinolaka ngokwendlela yazo. Futhi awukwazi ukukhohlwa imikhiqizo efana kakhulu ne- anobuthi nokuthi bashiye umugqa wezisulu endleleni. Ngezinqubo zokwahlulela ezihilelekile. Yinto okungafanele uyenze uma isifiso sakho esikhulu ukuvikela ukonga kwakho ngazo zonke izindlela. Akukho nokukodwa, ukugwema ukuba nesikhathi esibi esimweni sakho.