Isamba sokugcina salo nyaka kufanele sisebenzele abatshalizimali abancane nabaphakathi ukwenza amasu amahle kakhulu okutshala imali ukuze inhloso yabo enkulu ukwenza ngcono izimpahla zethu noma zomndeni. Akukhona nje ukushaya indawo ekukhetheni ama-equities ahamba phambili. Uma kungenjalo futhi ukubhalisela imikhiqizo yezezimali ehamba phambili ngaso sonke isikhathi ukuze ngale ndlela kusiholele ekufezeni imigomo yethu ngempumelelo ephelele. Njengoba kungemva kwakho konke lokho okubandakanyekayo kuwo wonke amacala.
Ngalesi simo jikelele, akungabazeki ukuthi singasebenzisa amasu ahlukene ekutshaleni imali. Futhi lokho kuzoncika kuphrofayili esiyethula njengabatshalizimali abancane nabaphakathi ukuthi siyikho. Ukuze ngale ndlela, i ukuvikelwa kwezikhundla zethu ezimakethe zezimali banomshwalense ngamaphesenti aphezulu abenziwa kusukela manje kuqhubeke. Lapho ukufunda kulolu hlobo lwemisebenzi kuzoba inani elengeziwe lokulenza ngeziqinisekiso zempumelelo.
Vele, sizonikezela ngemibono ewusizo kakhulu ezokwamukeleka kwinani elikhulu labasebenzisi be-stock market. Ngakho-ke ukuthi kusukela manje ukusebenza kwemakethe yamasheya kungenziwa ngeziqinisekiso ezinkulu zempumelelo nangamaphutha ambalwa kumasu okufanele athuthukiswe. Kuphi ngempela ukuthi ekupheleni konyaka ngamunye ibhalansi ye-akhawunti yethu yokonga inamandla amakhulu. Ngaphandle kwanoma yisiphi isikhathi sinezinkinga ezingahle zingahambi kahle isabelomali somndeni. Vele, ukubala isikweletu esincane ukukhokha nokuphatha izindleko zethu ezivame kakhulu.
Amathiphu: khawula ukuthenga
Akufanele ube nezindlela eziningi ongakhetha kuzo kwiphothifoliyo yakho yokutshala imali ngoba leli qhinga lingadala inkinga engaphezu kweyodwa uma kukhulunywa ngokwenza imali yakho oyisebenzisayo izuze. Kungcono kakhulu uma ugxila kwimikhiqizo embalwa yezezimali kepha une ukuqhubeka nokufunda ekusebenzeni. Ukuze ngale ndlela ube sesimweni esingcono sokunyusa inzuzo kwimikhiqizo yezezimali ekhethiwe. Akudingekile ukufaka ukwehlukahluka ngamandla kakhulu ngoba kungenzeka ukuthi ulahleke kukho konke ukunyakaza okwenziwe.
Ngakolunye uhlangothi, ungakhohlwa kusukela manje kuqhubeke ukuthi ukusebenzisa leli qhinga lokutshala imali kungaba inketho entofontofo kakhulu yezintshisekelo zakho. Lokhu kungenxa yokuthi ngeziphakamiso ezimbalwa ungafinyelela inzuzo ethakazelisa kakhulu. Impela ngenxa ye- nokwenza kahle ukusebenza, zombili ezimakethe ezingaguquguquki zemali engenayo nezilinganayo. Kepha ngaphezu kwakho konke ngokusebenza okungcono kuneminye imikhiqizo yezezimali.
Thola izimbuyiselo eziqinisekisiwe
Inketho ephakamisa kakhulu ukuthola imikhiqizo yezezimali ekunikeza ukubuyiselwa okungaguquguquki nokuqinisekisiwe minyaka yonke. Lapho ungathola khona i- buyisela ekulondolozeni cishe u-3%. Esinye salezi zibonelo simelwe yizimali eziqinisekisiwe zokutshala imali. Ngokusebenzisa iphothifoliyo yokutshala imali esekwe kuzo zonke izinhlobo zezimpahla zezimali. Kepha ngokungafani nezinye izimali zokutshala imali, kulokhu kukhiqiza umholo omncane, noma ngabe kwenzekani ezimakethe zezezimali.
Ngenkathi ngakolunye uhlangothi, kufanele futhi kubhekwe ukuthi imikhiqizo engenayo engaguquki inikezela ngalesi sici esikhethekile. Njengasendabeni yamadiphozithi ebhange lesikhathi esimisiwe, noma ngabe kunenzalo ephansi kakhulu kunanoma isiphi isimo ungeqi ku-1%. Ngenzuzo yokuthi le mikhiqizo ungayibhalisela ngemali engabizi kakhulu kuyo yonke imizi. Kusuka kuma-euro angama-500 kuye phambili futhi kukhululwe ngokuphelele kumakhomishini nakwezinye izindleko ekuphathweni nasekugcinweni kwayo.
Imali yotshalo-mali
Akungabazeki ukuthi lesi sici kufanele sibe ngenye yezinto ezibaluleke kakhulu kuwe kusukela manje. Ukuze ngale ndlela, ukwazi ukuphuma ezikhundleni zabo nganoma yisiphi isikhathi. Ezimweni lapho udinga khona ithiphu yokukhokha ukuze uhlangabezane nezindleko zomuntu siqu noma zobungcweti. Ngakolunye uhlangothi, leli qhinga lingakusiza futhi ukusheshisa inzuzo engenzeka engatholakala kulo lonke utshalomali lwakho. Njengokuthi ivumela okukhulu ukuhamba kusuka komunye umkhiqizo kuya komunye, kuya ngezimo ezintsha ezethulwe izimakethe ezahlukahlukene zezezimali.
Kufanele futhi ubalule ukuthi izimali kumkhiqizo wezezimali kuyinto eyisisekelo yokufeza izinjongo ezilandelwa kunoma yiluphi uhlobo lotshalo-mali. Ngenkathi ngakolunye uhlangothi, kuyisu elisebenza kahle kakhulu lokutshala imali ukuhlinzeka ngokuguquguquka okukhulu ekusebenzeni ezimakethe zemali engenayo eziguqukayo nezishintshashintshayo. Ngemiphumela ngokungangabazeki ezomangaza abatshalizimali abangabazayo. Hhayi ngenxa yenzuzo enikezwa yimisebenzi uqobo, kepha ngoba izokuvula amathuba okukunikeza imali ethe xaxa ku-akhawunti yakho yokonga.
Setha izinsuku zokugcina
Ukuhlala unomphela emikhiqizweni eyehlukene yezimali yalezi zinto okungafanele ukukhohlwe lapho wenza iphothifoliyo yakho yokutshala imali. Ikakhulu, nge ukuthembeka okuphezulu ukufeza izinhloso zokutshala imali. Ngoba kubaluleke kakhulu ukuthi uzibekele ezinye izinhloso ekusebenzeni futhi unamathele kulezi zinsuku zokugcina. Noma ngabe yikuphi, kungaba okufushane, okumaphakathi noma okude ngokuya ngephrofayili yomtshali-zimali omncane naphakathi oletha ngaso sonke isikhathi. Vele kuzokusiza ukuthi ube nempumelelo ethe xaxa ekunyakazeni okwenziwa ezimakethe zamasheya.
Ngenkathi ngakolunye uhlangothi, ukusetshenziswa kwaleli qhinga ekutshalweni kwemali kuzokunikeza ukuthi ungakhathazeki uma izikhathi zokuhlala zihlose imigomo emide. Ungayihlanganisa nokusatshalaliswa kwezinzuzo ezenziwa ezinye zezinkampani ezibhalwe ezimakethe zezimali zezwe lethu. Ngaphezulu kokunye ukubuyiselwa okunikezwa yimikhiqizo yasebhange noma okutholwe yimali engenayo engaguquki.
Khetha amasheya akhulayo
Vele, ukukhetha amasheya emikhakheni enamathuba amahle kakhulu okukhula kulo nyaka kuyisilinganiso esihle sokufeza izinhloso zakho emikhakheni ehlukene yokutshalwa kwezimali. Uma ufuna isu lokuvelela noma elinolaka kakhulu, ungafuna ezinye zazo wajeziswa eminyakeni edlule. Yibona abanamandla amakhulu okubuyekezwa futhi kungenzeka ukuthi kwezinye izimo bafinyelele ezingeni labo ngokuvumelana namanani abo. Ngazo kuzoba izindlela ezizuzisa kakhulu kuwo wonke amaphrofayili wabatshalizimali abancane nabaphakathi.
Ngakolunye uhlangothi, awukwazi ukukhohlwa noma lokho kulawa masheya utshalomali ngqo kumigomo emifushane Ingakhiqiza izimbuyiselo ezigqame ngokuba mnandi kakhulu. Ngaphandle kweminye imibandela ekutshalweni kwemali esivele izophathwa kwezinye izindatshana. Akumangalisi ukuthi lolu hlelo lukhiqiza izingozi ezimbalwa uma ulusebenzisa ezimeni ezisobala kakhulu, lapho amanani akhula khona isonto nesonto. Uma nje lokhu kuqhubeka, ungagcina izikhundla ngaphandle kwezingozi zanoma yiluphi uhlobo.
Nikeza ukuguquguquka okwengeziwe
Akungabazeki ukuthi ukuhlinzeka ngokuguquguquka okukhulu ezenzweni zethu, lapho, ngokwesibonelo, akufanele kukhawulelwe kuphela kumasheya aseSpain, kepha ukunweba ukusebenza kwezinye izindawo zomhlaba wonke ezibonisa isimo sokumema ukuthatha izikhundla. Isifundo sokuqala ongasithatha kuleli su ukuthi akufanele ukhawulele ukunyakaza kwakho kuphela ezimakethe zikazwelonke. Uma kunjalo, impela ungalahlekelwa ngamathuba ebhizinisi kulezi zikhathi.
Ngenkathi ngakolunye uhlangothi, le ndlela yokwenza akumele iphikisane neqiniso olifunayo ukuvikelwa okukhulu kokonga. Ikakhulu, lapho kubhekene nemithombo engaba khona yokungazinzi komnotho. Futhi njengoba iresiphi onayo kuseduze ukuqasha izimali zokutshala imali ezihlanganisa imali engenayo eguquguqukayo nemali engenayo engaguquki. Lokho kungukuthi, ukuze ukwazi ukuhlanganisa izimpahla ezehlukene zezezimali kumkhiqizo owodwa futhi ngale ndlela futhi usesimweni sokugcina imali eningi kumakhomishini nakwezinye izindleko ekuphathweni noma ekugcineni kwawo.
Amathuba ebhizinisi
Vele yebo, kukhulisa ukwenziwa kwemali kwe-akhawunti yethu yamanje, ngale ndlela, usebenzise amathuba akhiqizwa ezimakethe zezezimali. Hhayi nje kuphela ngokutholakala kokulingana okuhlukahlukene. Uma kungenjalo nemali engenayo engaguquki futhi ngaphandle kokukhohlwa ukutshalwa kwezimali okubhekwa njengezinye izindlela. Yikuphi okuyifanela kahle kakhulu le phrofayili yokutshala imali.
Ngokuqondene nesibonelo kwenzeka ngezinsimbi eziyigugu futhi ikakhulukazi ngegolide. Ngokwesiko kubhekwa njengendawo ephephile lapho kunezimo ezimbi kakhulu zezimakethe zezimali. Ngokwalokhu kubuka, ngeke kube ngumqondo omubi uma ume izinjongo ezingafinyeleleki ngokweqile, ukuzama ukuwafeza ngalezi zenzo.