Enye yezinhloso zanoma yimuphi umtshalizimali omncane naphakathi ukuzama ukuthuthukisa imingcele yenzuzo yabo ekusebenzeni okwenziwa ezimakethe zezimali. Kodwa-ke, lo ngomunye wemisebenzi eyinkimbinkimbi ukwedlula yonke okufanele uyenze kusukela, ngezinga elincane noma elikhulu, kuzoncika enanini olabele ukutshala imali. Yize unamaqhinga amancane azokuvumela ukuthi uthuthukise lezi zimaki zemali. Ukuze ekupheleni konyaka ngamunye ube nemali enqwabelene kwi-akhawunti yakho yokonga.
Esinye isihluthulelo sokufeza lezi zinhloso ezifunwa yibo bonke ukwazi ukuthi kufanele uhlehlise nini izikhundla ezimakethe zezimali. Ngoba empeleni akufani ukukwenza ngembuyiselo ye-3% kunenye ye-17%. Umehluko okufanele ukuthi uphathwe ngendlela ekholisayo futhi ngaphezu kwakho konke isu lokutshala imali elisebenza kahle kakhulu. Noma kunjalo, awunakukhetha ngaphandle kokushintsha isikhathi sakho sokuhlala. Mhlawumbe ukubambezela ukusebenza izinyanga ezimbalwa, kepha kuyisenzo ekugcineni esizokufanelekela ukwenziwa ngokusemthethweni.
Ngenkathi ngakolunye uhlangothi, ungakhohlwa ukuthi ukukhetha amanani ancintisanayo noma amakhomishini kuzohlala kukusiza ukwenza inzuzo iphane kakhulu. Yize kunjalo kuleli cala, ngomehluko othile lokho ngeke kusho ukwanda ngokweqile kunhlokodolobha eqoqiwe kusukela manje kuqhubeke. Ekugcineni, kunezindlela eziningi futhi ezahlukahlukene onazo ngalesi sikhathi ukwandisa inzuzo yakho ekuhwebeni emakethe yamasheya. Ngabe ufuna ukuthola okunye okubaluleke kakhulu okufanele ukwenze ezinyangeni ezizayo?
Khulisa umholo wakho: izici
Ukuzuza ezimakethe zezimali kungenziwa ngokuya ngokuhlukahluka okuningi okufanele ukubheke kusuka manje. Okunye okubaluleke kakhulu kuncike ekutshaleni izizumbulu zemali. Isibonelo, kusuka kuma-30.000 euros, okuyileveli lapho izintshisekelo ezingathathwa njengezizuzisa kakhulu. Kunoma ikuphi, ungalokothi ngokusebenzisa izibalo ezithathwa njengezincane lapho kuzoba khona inzuzo encane kakhulu ongayithola ngalezi zinyakazo ezimakethe zamasheya.
Okunye ukhiye ukuthi uthatha izikhundla kwezokuphepha ezihamba nokuntengantenga okuningi futhi ngenxa yalokho zinamandla okubuyekeza aphakeme kakhulu kunakwabanye abameleli ezimakethe zezimali. Kanye nokukhomba isikhathi sokuhlala unomphela esilungiswe kuphrofayela yakho njengomtshali-zimali omncane naphakathi futhi esingafakwa ebangeni elisuka ezinyangeni ezi-3 kuye kweziyi-24 cishe. Kuthuthukiswe ikakhulukazi ekunyakazeni noma ekuthambekeni okucacile kwe-bullish, okungenani esikhathini esifushane naphakathi.
Khetha ukuphepha okucatshangelwayo
Akungabazeki ukuthi ukuphepha okuqagelayo kungomunye umthombo wokuthola izinzuzo ezinkulu zemali. Ngecebo lokutshala imali ungathatha inqobo nje uma umfutho oya phezulu wenani okukhulunywa ngalo uhlala khona. Ukuze kuthi lapho kuvela izimpawu zokuqala zokukhathala, ukhethe ukuvala izikhundla ngenzuzo ephezulu. Ngenkathi ngakolunye uhlangothi, esinye isilinganiso ongasisebenzisa kusukela manje ukwenza ukuthenga okusha njengoba ukumelana kwenani kudluliwe. Phakathi kwezinye izizathu ngoba kuzoba yisignali mayelana namandla wezokuphepha nokuthi kungakusa kude kakhulu ekuvumelaneni kwamanani.
Akumangalisi ukuthi esinye sezihluthulelo zokuhweba okuphumelelayo sisebenzisa izinkathi ze-bullish. Futhi uma kungenzeka kuzimo zokulayisha zamahhala, khona-ke kungcono kunokuzithakasela. Kuzoba ipasipoti enhle kakhulu ukuze ukwazi ukwandisa ibhalansi ye-akhawunti yakho yokonga ezinyangeni noma eminyakeni ezayo. Ukufika ezingeni lokuthi kwezinye izikhathi ungaba nezinzuzo ezingaphezu kwe-50%. Okusho ukuthi, ngemuva kwakho konke, yini ehilelekile kulolu hlobo lokutshalwa kwezimali okuphezulu futhi okukhethekile. Yize kunzima ukubakhipha kumasu okutshala imali. Ngoba kufanele wazi ukuthi izimakethe zokulingana azikhuphuki unomphela. Hhayi kancane.
Amathiphu wokusebenzisa kahle ukusebenza
Inhloso yanoma yiluphi uhlobo lokutshalwa kwezimali kusekelwe yisebenzise kakhulu imali oyifakile ngokuthengwa nokuthengiswa kwamasheya. Yize lesi simo singatholakali ngaso sonke isikhathi ngenxa yezizathu ezahlukahlukene. Ngalesi sizathu, kubalulekile ukuthi ekugcineni kube kuhle ngoba ekugcineni kosuku kumayelana nokungalahlekelwa yimali ekusebenzeni ezimakethe zezimali. Kwezinye izimo ngempumelelo engaphezulu kunezinye futhi kulapho izeluleko zethu zizoqondiswa khona ukuze kuthuthukiswe utshalomali.
Vele, akuwona umsebenzi olula ukuwenza. Kepha ngolwazi oluncane nezinga eliphakeme lokuziphatha akukho kungabaza ngalokho sizofinyelela ezinhlosweni ezihlongozwayo. Kepha lapho kuzodingeka khona ukuhlinzeka ngezinga eliphakeme lokufunda ezimakethe zezimali. Ezimakethe lapho ulwazi lukhulu khona futhi olungaba lukazwelonke noma oluvela ngaphandle kwemingcele yethu. Kanye nolwazi oluphakeme lokuthi izibambiso ziziphatha kanjani ezimakethe zezezimali.
Ngenkathi ngakolunye uhlangothi, amasu okuphatha imali ngempumelelo kumele ancike ekusetshenzisweni kwezinhlelo ezinokwethenjelwa kakhulu ekusebenzeni kwemakethe yamasheya. Ukwazi ngaso sonke isikhathi ukuthi nganoma yisiphi isikhathi esingakwenza yenza elinye iphutha ngokufanayo. Manje yisikhathi sokuthi siqhamuke nemibono ethile ongayishintshela ezimakethe zezimali. Kusukela ochungechungeni lwezindlela ezizohluka kakhulu njengoba uzobona kusukela manje.
Thenga kuma-resistors
Elinye lamaqhinga alula kakhulu okutshalwa kwezimali kukho konke kusekelwe ekuthengeni uma ukumelana sekunqotshwe. Le modeli ayivamile ukwehluleka futhi ingenziwa kuzo zonke izimo nakuwo wonke amanani inqobo nje uma le mfuneko eyisisekelo ihlangatshezwa. Ngakolunye uhlangothi, akufanele ikhohlakale ukuthi ukwephulwa kokuphikisana nokunyakaza okuthuthuka kakhulu kuzo zonke izikhathi zokuhweba, noma ngamanani afanayo. Ungayisebenzisa ngaphandle kwengozi ekusebenzeni ngenxa yokuthembeka kwayo okuphezulu.
Leli su lokutshala imali likuvumela ukuba ube namandla aphezulu ekubuyekezweni kwamanani ahamba kulesi simo kaningi ezimakethe zamasheya. Njengezehlakalo zakho zokwenza ifayela le- iphothifoliyo yokutshala imali elinganiselayo futhi kusekelwe ohlelweni lokukhetha oluvuna kakhulu izintshisekelo zabatshalizimali abancane nabaphakathi. Lapho okukodwa kokhiye kulele ekwenzeni le misebenzi ngokushesha okukhulu. Okwamanje lapho ama-resistor ephuka.
Ekuguqukeni kwethrendi
Kungenye futhi isu lokutshala imali elingeyona inkimbinkimbi ukuliqhuba kusukela manje kuqhubeke. Lapho usuka e-downtrend uye phezulu noma kusuka ekunyakazeni kwe-lateral. Ngaphezu kwalokho, kulula kakhulu ukuhumusha lapho kwenzeka lolu shintsho kumkhuba. Akumangalisi ukuthi ngemuva kohambo lwayo olubheke phezulu lubaluleke ngaphezu kwesikhathi esibalulekile okumele sihlukaniswe njengesihlala isikhathi eside. Akunabungozi esicelweni sayo ngoba awekho amamajini wamaphutha nganoma yisiphi isikhathi. Isikhathi kuphela sokwenza ukuthengisa kube semthethweni ngenzuzo yemali enqwabelene ekusebenzeni.
Ngakolunye uhlangothi, awukwazi ukukhohlwa kusukela manje kuqhubeke ukuthi lolu hlelo lokutshala imali lusetshenziswa abatshalizimali abanolwazi oluningi lokuthenga nokuthengisa amasheya emakethe yamasheya. Esinye isici okufanele usihlole kusukela manje ukuthi ukushintsha kwesimo kusho isikhathi eside kakhulu futhi kungahlala ngisho neminyaka eminingi. Ukuze ngale ndlela ukwazi ukusebenzisa isu emisebenzini yakho yesitoko uzinze kakhulu kunakuqala. Ngalo mqondo, uzokwazi ukuba nezokuphepha kwiphothifoliyo yakho iminyaka eminingana njengoba kungeyona iminyakazo yokuqagela.
Kusukela eziqongweni zokwehla kwamahhala
Kulesi senzakalo sikhuluma ngenye yezinhlelo ezithwala ubungozi obukhulu ekusebenzeni kwayo. Phakathi kwezinye izizathu ngoba kuyinkimbinkimbi ngokwengeziwe ukwazi ukuthi ikuphi izinga lapho ukuwa ezimakethe zezimali kuzoma khona. Futhi-ke ungenza amaphutha kaningi. Leli qiniso lingaba nomthelela wokuthi ungashiya ngendlela lapho ulandela inani ngokuthambekela okufanayo kuze kube manje.
Ngalesi sizathu, kulula kakhulu ukuthi uhlaziyeke ukusebenza kwalokhu kusebenza nokuthi yini engenzeka kuwe uma imisebenzi ingathuthuki njengoba ubulindele ekuqaleni. Ngenkathi ngakolunye uhlangothi, leli qhinga lokutshala imali linethuba lokuthi lingaba namandla wokubuyekeza aphezulu kunamanye amasistimu wokuhlaziya ajwayelekile.