Umkhiqizo ohlukile wephrofayili ngayinye yomtshalizimali

Ukwenza uxhaso lwakho lube lukhulu kakhulu, ngeke ube nesinyathelo esingcono kunokukhetha umkhiqizo omuhle kakhulu kumcimbi ngamunye, noma ukucacisa kakhulu, kuya ngephrofayili oyivezayo njengomtshalizimali omncane noma ophakathi. Hhayi ngeze, zizohluka, futhi nangokwelapha okuhlukaniswe kahle kakhulu. Kuzoba esinye sezikhiye ezibaluleke kakhulu ukuqinisekisa impumelelo ye- ukusebenza ezimakethe zezimali.

Uma ungafuni ukwenza amaphutha ngokuhambisana okuthile ezimakethe, kuzofanela ujwayele lesi sigaba. Hhayi ngeze, kuzoba yiyo ekunika imihlahlandlela edingekayo yokwenza noma yikuphi ukunyakaza kuzimpahla eziyinhloko zezezimali. Ngaphezu kwalokho, kuzoba isu elinembe kakhulu uku ukuvikela ukonga ngempumelelo, noma ngabe unezilinganiso ezinhle zezimakethe zezimali. Ngakho-ke, awukwazi ukuphuthelwa yileli hlelo elizosetha imihlahlandlela yesenzo sakho kusukela manje kuqhubeke.

Ukuze yonke into ithuthuke ngokwezindlela ezenzelwe, kuzodingeka ikakhulukazi lokho qala ukwenza iphrofayili yakho njengomtshalizimali. Ngokuya ngezinhloso zakho, imali etholakalayo, imigomo yokuhlala unomphela ngisho namazinga engcuphe ozimisele ukuwenza emsebenzini ngamunye owenziwa ezimakethe zezimali. Kuzoba yimfuneko enkulu ukufeza le nhloso yokuqala, engeke ibe yimbi ngaphandle kokwazi ukuthi ungubani ngempela umtshali-zimali.

Amaphrofayli: amazinga ahlukene

Ukuhlonza iphrofayili yakho ngeke kube nzima ukukhuluma futhi uzokwazi ukukwazi cishe imizuzu embalwa. Ukuze, ngokususelwe kulokhu kuguquguquka, ungakha iphothifoliyo eyanele yokutshala imali futhi ngokuya ngezimpawu ozivezayo. Kungenzeka usuyayazi, kepha uma kungenjalo, kusukela manje kuzoba nzima kakhulu kuwe ukwazi le ngxenye yakho ebalulekile. Inzuzo ekusebenzeni kwakho izobonakala kakhulu, futhi ukusebenza kwemisebenzi yakho ezimakethe zamasheya kungakhula kakhulu.

Uma ungomunye walabo abahlinzeka ngochungechunge lwamaphrofayili anolaka, kuzofanele usebenzise izindlela eziyingozi kakhulu zamasheya. Akumangalisi ukuthi kulapho uzokwazi khona ukuthola imali ethe xaxa. Yize ushintshanisa nethuba lokulahlekelwa ama-euro amaningi endleleni, futhi kwesinye isikhathi ngendlela eyingozi kakhulu kuzintshisekelo zakho.

Akukhuthazwa ukuyenza ibe ngaphansi kwephrofayili ejwayelekile yalowo nalowo osindisa imali abazokwabela izimpahla zabo ebholeni noma kweminye imikhiqizo efanayo. Inzuzo enkulu ivela ngokwezifiso utshalomali, futhi yaguqulelwa kuzo zonke izinto ezithinta ubudlelwano bakho nomkhakha wemakethe yamasheya.

Umkhiqizo kuye ngephrofayili

Kuzoba nomkhiqizo ohlukile kubatshali zimali ngamunye. Kokuhlaselayo okukhulu, okubandakanya nabaqageli, kuzoba nokukhethwa kwemiklamo emisha eyenzelwe izimali, kepha nakwezinye izimakethe. Imikhiqizo eyakhiwe, ama-waranti, ukusebenza kwezikweletu noma okuphuma kuzona okuyizinto ezelulekwa kakhulu kulawa macala. Ubungozi buzokhuphuka kakhulu, kepha imbuyiselo inganelisa kakhulu.

Amaphrofayli alondolozeka kakhulu noma azivikelayo, kunalokho, azokhetha ukufuna ukuphepha kokunye ukucatshangelwa. Ngale ndlela, funa amasheya aphephe kakhulu ezimakethe zezimali. Ukuqhamuka ezigabeni zebhizinisi ezinemigqa eqinile yebhizinisi. Futhi ezikhathini eziningi basabalalisa umholo ongaguquguquki futhi oqinisekisiwe njalo ngonyaka ngezinzuzo. Ungabika isilinganiso senzalo esimaphakathi esingu-6%.

Futhi phakathi kwala mazinga okutshalwa kwezimali kukhona abatshalizimali abaphakathi. Yizo ezixuba ezinye zezici zamaphrofayili wangaphambilini. Bafuna ukufaka engcupheni enye into ezikhundleni zabo, kodwa ngaphandle kokudlulela. Awafiki nhlobo amazinga wokuqagela. Banemisebenzi yokuthenga nokuthengisa amasheya nezimali zokutshala imali imikhiqizo eyinhloko yokwanelisa izidingo zabo.

Futhi nalabo zimali abasebenza okokuqala ukwenza ngokusemthethweni uhlobo oluthile lomsebenzi wezezimali bangakhohlwa. Labo abazokwenza ukubhaphathizwa kwakhe ezimakethe, nokuthi azihlangene nanoma yiliphi iqembu. Bangakhetha noma iyiphi yazo, ngokuya ngokulindelwe okwenziwe. Ngakho-ke, zamukela zonke izeluleko zamanye amaphrofayili wabatshalizimali abancane nabaphakathi.

Ngabe lo nyaka uzoba kanjani ekutshaleni kwakho?

Njengoba iphrofayili yomtshalizimali iba nolaka ngokwengeziwe, iminikelo yokusebenza ayivulayo ezimakethe zezezimali iyanda. Kufika kumaleveli angahlanganisa ingxenye ebaluleke kakhulu yefa lakho. Kodwa-ke, leli su linamazinga aphezulu kakhulu engcuphe. Ikakhulukazi uma kukhona ukwehla okuqinile ezimakethe zamasheya.

Ngenkathi abatshalizimali abavikela kakhulu beqapha kakhulu ngamanani abawenzayo. Imvamisa banikela ingxenye kuphela yokonga kwabo, nalokho kuhlanganiswe nokwenza isivumelwano kweminye imikhiqizo yasebhange (imali yesikhathi, amanothi ezethembiso, amabhondi kahulumeni, njll.). Ngandlela thile, maningi amathuba okuthi bahlukanise imali yabo engenayo. Njengenhloso kuphela yokuzivikela ngaphezu kokunye ukucatshangelwa.

Yilabo kuphela abathanda izingozi ezinkulu abanikela yonke iminikelo yabo ekusebenzeni kwamasheya, lapho begqamisa khona ukuthola izinkontileka ngemikhiqizo eyindida kakhulu. Yonke inhloso echazwe kahle, futhi lokho akuyona enye ngaphandle kokuthola inzuzo ephezulu kakhulu yemali, futhi uma kungenzeka ngezinsuku ezimbalwa, noma okungenani amasonto.

Yimiphi imikhiqizo oyisebenzisayo?

Manje yisikhathi sokucacisa ukuthi yimiphi imikhiqizo eyintandokazi kubatshalizimali abancane. Njalo ngaphansi kwezihlungi ezingenhla. Futhi lokho kuzonikeza ukuhlukaniswa kwenhloso ngokwengeziwe ngokonga kwakho.

Iphrofayili elondolozayo: Babeka imali emakethe yamasheya, kodwa ngaphansi kokuqapha okuningi kunabanye abatshalizimali. Isikhungo salo sokusebenza sisekelwe kumadiphozithi asebhange namanothi ezethembiso, njengemikhiqizo enikeza ukuphepha okukhulu ezikhundleni zayo. Babheka ukubuyiselwa okuncane, kepha kuqinisekisiwe minyaka yonke okubasiza ukuthi bandise izimpahla zabo kancane kancane. Abakhathazeki ngokubuyekezwa okukhulu, kepha hhayi ukulahlekelwa yi-euro eyodwa kubhalansi ye-akhawunti yakho yamanje. Futhi azilahli izimali zokutshala imali. Kepha noma kunjalo ngamamodeli wokuzivikela kakhulu avela ezinkampanini zokuphatha. Imvamisa zixhunyaniswa nemali engenayo engaguquki, futhi kwezinye izimo bakhetha ngisho nalabo abanemvelo exubile. Kepha abaqhubeki nokufuna kwabo.

Okunye okufana nakho ukuthi imigomo yokuhlala kwayo yinde ngokweqile, ingaphezu kokujwayelekile. Bathanda ukubeka imali isikhathi eside, kepha kuqinisekiswe imbuyiselo. Abathambekele ekuzameni ngemikhiqizo emisha, ingasaphathwa eyengozi. Ukulawula kwakho ama-akhawunti kuhlelwe kusukela ekuqaleni kokusebenza kwakho kunoma yiluphi uhlobo lwemakethe yezezimali.

Iphrofayili emaphakathi: beza ukuthatha ingozi enkulu, kepha inqobo nje uma belawulwa. Njengomphumela walesi sici, bavulekele amamodeli amasha okutshalwa kwezimali. Baya ezimalini ngokusebenzisa imikhakha yesikhathi esifushane kakhulu, lapho izimbuyiselo zingaba khona kakhulu. Kunoma ikuphi, bafuna ukuhlinzeka ngokuguquguquka okukhulu nokuhlukahluka kunezinye izinhlobo zamaphrofayela. Izinhloso zabo zibhekiswe esikhathini esimaphakathi, yize bengazinaki ezinye izinkathi zaphakade.

Naphezu kwakho konke, futhi banqena ngokungagwegwesi ukubhalisela amamodeli wokutshala imali ayingozi kakhulu, noma ukuyekethisa ibhalansi labo. Bayathandeka kakhulu ukuqoqa izinzuzo zabo ngezikhathi ezithile. Ukukwazi ukujabulela ukuthanda komuntu siqu noma ukwanelisa isidingo somuntu siqu noma somndeni. Futhi abavami ukuphambuka kulezi zinkombandlela zokuziphatha, ngaphandle kokumbalwa.

Iphrofayili enolaka: inamandla kakhulu kunakho konke, ngoba izama ukuthola izinzuzo ngendlela esheshayo. Lapho kunganqikazi ukuthembela kumafomethi abanzi kakhulu akuvumela ukuthi uthole imali eningi ngesikhathi esifushane. Kulesi simo esikhetheke kakhulu, bakhetha imikhiqizo yezezimali enjengama-waranti, ama-ETF, okuphuma kokunye nabanye abanezici ezifanayo. Izingozi abazithathayo ngokusobala zibanzi futhi zifuna kakhulu.

Bathambekele kakhulu ekufuneni ezinye izindlela zangempela zokutshala imali. Akukho ukushoda kwezimakethe zokulingana emazweni omhlaba, noma ngisho nasemazweni asafufusa uma kunjalo. Bazama ukusebenzisa wonke amathuba ebhizinisi azivelelayo. Ngaphandle kokukhathazeka ngokuguquguquka kwayo noma ukuthi bangawenza amaphutha ekuphathweni kwayo. Futhi ngaphakathi kweziphi izimali zokutshala imali, akukho ukusweleka kwe- iziphakamiso ezinolaka kakhulu. Ngamafuphi, bathanda kakhulu ukuzama izimpahla zezezimali, zanoma yiluphi uhlobo nemvelo.

Okhiye bokukhomba iphrofayili yakho

Uma, phezu kwakho konke, ungakakwazanga ukuthola iphrofayili yakho njengomsebenzisi, uzoba nethuba lokugcina lokuyazi futhi uvumelane nezici zalo njengomtshali-zimali. Kunoma ikuphi, bazoqala kusuka kuzeluleko ezilandelayo esizozethula ukuze ufeze lezi zinhloso ezidingeka kakhulu ukuchaza isu ezimakethe zezimali.

• Buyekeza i- ukunyakaza kokugcina okwenzile eminyakeni yamuva. Ungafinyelela esiphethweni esicacile sokuthi ungubani njengomsebenzisi wezezimali.
• Buza isikhathi sokuhlala unomphela osinikeza utshalomali lwakho, ngoba luzocacisa ukuthi ungumsebenzisi wezezimali ongakanani. Ngaphezu kwalokho ongakucabanga ekuqaleni.
• Kuzofanele uzibuze kuze kube amazinga engcuphe ongafinyelela kuwo. Kuzoba ngumbuzo obalulekile ekuhlolweni okufanele ukucele ukucacisa ngesimo sakho.
• Ngabe uyavumelana nemikhiqizo ebhalwe phansi etholakala emholweni ongaguquki? Uma lokho, uzoba nengxenye yokuzivikela kakhulu leyo izonquma konke ukutshalwa kwezimali okwenzayo kusuka kulezi zikhathi.
• Kuzobaluleke kakhulu futhi ukuthi ubheke ukuthi ingakanani inhlokodolobha yakho ungacabanga ngokulahleka okuthile okungenzeka. Kuzoba ulwazi olubalulekile ukwakheka kwephrofayili yakho njengomtshalizimali omncane.
• Ekugcineni, ziphathe njengoba unjalo, ngaphandle kokuzama ukuhlolwa ezimakethe zezezimali.