Kuyacaca ukuthi iphrofayili ngayinye yokutshalwa kwemali inendlela ehlukile yokwelapha ukutshala izimali zayo futhi yenze ukonga kube nenzuzo emazingeni aphezulu okulamula. Kule ndlela sizoya ukuthuthukisa uchungechunge lwamasu ekutshalweni okwenzelwe bona ngokukhethekile. Ngale ndlela, uzokwengeza kangcono ukuphathwa kwempahla yakho yangasese noma yomndeni ukuze ekugcineni ube nebhalansi ephezulu ku-akhawunti yakho yokuhlola futhi lokho, ngemuva kwakho konke, imayelana nani.
Ngaphezu kwalokho, ukusebenzisa lolu hlelo ukuzibeka emakethe yemali, uzoba nezinkinga ezimbalwa zokulahlekelwa isitatimende sakho semali engenayo. Phakathi kwezinye izizathu ngoba imali oyitshalile izomane ivumelaniswe nezidingo zakho zangempela. Ngaphandle kokuthi uthathe izingozi ngokweqile, kuphela lezo ezitholwe ekutshalweni uqobo. Lapho kubaluleke kakhulu ukuthi ube nomkhiqizo wakho ngokususelwa kuzici onazo njengomtshali-zimali omncane nophakathi oyikho. Ukuze ekugcineni imiphumela ihlangabezane nokulindelwe okwenziwe.
Ngakolunye uhlangothi, akunakukhohlwa ukuthi ingxenye enhle ye- amaphutha abatshalizimali abawenzayo bathola ngokungabhaliseli umkhiqizo kutshalomali olufanele. Lokhu kuyinto ejwayelekile kakhulu kubasebenzisi, nabo abayenza ibe semthethweni ngaphandle kokuba nolwazi lwezezimali olufiselekayo. Ngenxa yalokho ekugcineni akuyona into efiseleka kakhulu ngezintshisakalo zabo, ezimeni eziningi ezinokukhubazeka ekusebenzeni. Ukugwema lezi zehlakalo, sizokunikeza ukuthi iyini iphrofayili yakho yabatshalizimali nokuthi yimuphi umkhiqizo okufanele uwuqashe kusukela manje kuqhubeke.
Iphrofayili Yomsebenzisi: I-Conservative
Yilapho abatshalizimali abaningi abancane nabaphakathi bengabakhona lapho inhloso yabo enkulu ukugcina imali yabo phezu kokunye ukucatshangelwa okunamandla kakhulu. Umqondo wokuthola imbuyiselo encane, noma ngabe uphansi kangakanani, uyaphumelela. Ngalo mqondo, kunemikhiqizo eminingana eyanelisa lesi sidingo kwabatshalizimali abathengisayo. Enye yezinto ezifanele kakhulu ngokungangabazeki idiphozi yesikhathi eside yasebhange, enikezela nge buyisela ekongeni kuze kufike ku-0,5%. Ngesiqinisekiso sokuthi lapho sesivuthiwe sizobuyisa lonke utshalomali nenzalo yalo ehambisanayo.
Lo mkhiqizo ngakolunye uhlangothi ungabhalisa ngezikhathi ezibekiwe ezahlukahlukene unomphela ngokuya ngezidingo zabaphethe. Kusuka emasontweni ambalwa kuya eminyakeni eyi-4 noma emi-5 lapho imali izohlala ingasebenzi ngokuphelele ize iqedwe. Enye yezinzuzo zalolu hlobo lotshalo-mali ukuthi azidingi amakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni kwazo. Lokho kusho ukuthi, kuyimodeli yokonga engeke idinge ukukhishwa kwemali njengoba kwenzeka kwamanye amafomethi ukwenza ukonga kube nenzuzo. Uzojeziswa kuphela ngemali yokukhanselwa kwayo okuyingxenye noma okuphelele.
Abatshalizimali abaphakathi: ingozi ethile
Kulesi sigaba samaphrofayli, sezivele zisesimweni sokuthatha ubungozi obuncane, kepha ngaphandle kwenjabulo eyeqile. Enye yamamodeli ahlangabezana nalokhu okulindelwe okungabizi kakhulu yizimali ezihlanganyelwe, kepha kuzona inguqulo yemali ehlanganisiwe nengaguquki. Lapho ukutshalwa kwezimali kungahlukaniswa nezinye izimpahla zezezimali, noma kusuka ezimakethe zezimali, yize kunamaphesenti angashayi kakhulu. Unezimali eziningi ezinalezi zici futhi zenzelwe abaphathi bobabili nabezwe.
Yize ungumkhiqizo olinganiselwe kakhulu ezingozini, akusho ukuthi ungalahlekelwa yimali ngokuthatha izikhundla. Ngoba empeleni, ingakhiqiza imbuyiselo engemihle yize ngandlela thile ilawulwa yilo kanye uhlobo lotshalo-mali. Inkinga enkulu yalezi zimali zokutshalwa kwezimali ukuthi zinikeza amakhomishini angafinyelela kuze kufike ku-1,50% wemali etholakalayo. Kuphakeme kunokuthengwa nokuthengiswa kwamasheya emakethe yamasheya futhi okudinga imininingwane yangaphambilini engxenyeni yakho ukuze ungathathi ezinye izimanga ezingezinhle kusukela manje kuqhubeke.
Umtshali-zimali onolaka, izingozi eziningi
Njengoba kunengqondo ukuqonda kulesi sigaba sabatshalizimali ubungozi bukhula ngokuqhubekayo. Ukuze wenze ngcono ukubuyiselwa kwemali oyongele imali futhi lokho kuholele ekutheni udalule okuningi ezikhundleni zakho. Ngakho-ke, kuleli cala kufanele uye ezimakethe zamasheya nalapho ukuthenga nokuthengiswa kwamasheya ezimakethe zamasheya kungumkhiqizo wokutshalwa kwemali ngokugqama. Ngukutshalwa kwemali okujikelezayo ngoba ukusebenza kwaso okuhle kakhulu kwenzeka ku izinkathi ezikhulayo zomnotho. Ngenkathi kwenzeka okuphambene nalokho, ngezigaba ezeqile ithambekele ekubeni amanani ayo ehle, kwezinye izimo ngamandla amakhulu futhi lapho ungalahlekelwa khona uhhafu wemali oyitshalile.
Ngakolunye uhlangothi, ungalinganisa utshalomali emakethe yamasheya uma unayo esikhathini esimaphakathi nesikhathi eside, okuyilapho izingozi ekusebenzeni zikhawulelwe kakhulu. Ngenkathi ngakolunye uhlangothi, ikuvumela ukuthi ube ne- ukuqedwa ngokuphelele mayelana nezikhundla ezivulekile ngoba ungaphuma futhi ungene ezimakethe zokulingana nganoma yisiphi isikhathi ofuna ngaso. Ngamakhomishini azosuselwa enhlokodolobha etshaliwe, kepha imvamisa isondele kuma-euro angama-30 ekutshalweni kwemali engaba ngu-5.000 euros. Ukukhuphuka ngokuqhubekayo njengoba utshalomali lunamandla amakhulu ngokombono wemali.
Ukusebenza okunamandla ngokwengeziwe
Abatshalizimali abancane nabaphakathi abaphakathi abanolaka oluningi futhi abanesifiso sokubeka engcupheni yokuthola inzuzo enhle kakhulu bakwesinye isinyathelo. Abakhathalele ubungozi ekusebenzeni, kepha okuphambene nalokho abakufunayo ukuthola umphumela ongcono ekuhambeni okuvulekile kunoma yiluphi uhlobo lwezimakethe zezezimali. Ngalo mqondo, kunemikhiqizo eminingi yokuthatha izikhundla ngendlela ephumelelayo yezintshisekelo zabathengisi. Isibonelo singamelwa yimali yotshalo-mali ku- izimali zamazwe omhlaba noma ezivelayo. Okuyilapho umholo ophakeme ungatholwa khona, yize kubiza ukukhuphula ubungozi ezindaweni eziphakeme ongazicabangi.
Omunye wemikhiqizo enolaka ngokwenza kahle ngokungangabazeki iziqinisekiso. Kulesi simo, kungumbuzo wemikhiqizo yezimali esuselwa ekubonisweni ngokuxoxisana ngendlela yesibambiso enikeza umnikazi wayo ilungelo, kodwa hhayi isibopho, sokuthenga noma ukuthengisa inani elithile lempahla. Ngokusebenzisa izikhundla ezaziwa ngokuthi shayela ubeke, ngokulandelana futhi lokho kungashintshwa kuzidingo zokutshala imali zabanikazi babo. Kuyiqiniso ukuthi ungathola imali eningi kunezinye izindlela zokutshala imali, kepha ngenxa yezizathu ezifanayo awukwazi ukushiya ama-euro amaningi endleleni. Zihloselwe kuphela kubatshalizimali abahlinzeka ngolwazi olunzulu lwezezimali nokufunda okuphezulu ekusebenzeni kwabo.
Ukuqagela okumsulwa nokunzima
Uma ekugcineni, okufunayo ukushaya itafula bese ulawula imali enkulu, unenketho ye- zezimali ezibonakalayo noma imali yedijithali. Kepha kulokhu, izingozi azisalawulwa ngoba ziningi, lapho ungalahlekelwa yikho konke okutshalile, kunokuphinda kabili noma okuphindwe kathathu kokutshala kwakho imali kokuqala. Kulula kakhulu ukuthi wazi ukuthi awubhekene nokutshalwa kwezimali ongakusebenzisa, kepha kunalokho ukuqagela kuze kube semakethe yezimali ebonakala ngokungazethembi okwedlulele ekuvumelaneni kwamanani ayo. Lapho kungekho khona amaphrofayili achazwe ngaphambilini angena ezikhundleni zawo futhi lokho kuchaza ukuthi yini obeka engcupheni lapho ungena kulezi zindawo zokuhweba.
Lokhu yilokho okwenzeka ngezinye zezimali eziyimfashini phakathi kwabaqageli, ama-bitcoins noma ezinye izimali ezinezici ezifanayo. Ngokusebenzisa okuhlukahlukene amapulatifomu ezezimali lokho kuvumela ukuthathwa kwezikhundla kulezi zimpahla ezikhetheke kakhulu zezimali. Kepha lokhu kutshalwa kwezimali nakho kungadluliselwa ngemikhiqizo ethathwe kokunye, okuyizibonelo eziyinkimbinkimbi kakhulu futhi ezingenalo ulwazi ngengxenye enkulu yabatshalizimali abancane nabaphakathi naphakathi. Hhayi ize, kufanele wazi ukuthi ungasebenza kanjani nale mikhiqizo ngoba uma ungakwazi ukushiya imali eningi ezikhundleni. Ngaphezu kwalokho, kubalulekile ukuthi amanani okungena nawokuphuma alungiswe ukuze kukhuliswe imiphumela yokugcina.
Ngenkathi ekugcineni, kuhlale kukhona isisetshenziswa sokukhetha imakethe yokushintshaniswa kwamanye amazwe. Kuyinto eguquguqukayo kakhulu futhi ungakhetha izimali eziningi: idola, i-franc yaseFrance, i-krone yaseNorway noma i-yen yaseJapan. Kepha akulula njengoba kungabonakala ekuqaleni. Uma kungenjalo, kunalokho, kudinga ukushesha okukhulu ekunyakazeni ngoba ukuguquguquka kuhlala kunjalo futhi kaningi kunokuguquguquka okuningi. Ukufika lapho uzodinga khona ulwazi oluningi lokuncika kule ndlela ehlukile yokutshala imali. Yize kuyimpahla yezimali eyejwayelekile noma engaphansi ebivele ikhona impilo yonke.