Enye yezinkinga ezibandakanywa yimakethe yamasheya ukuthi wenza iphutha lapho uthenga ngentengo yemakethe. Lokho wukuthi, ngemuva kwezikhathi ezimbalwa zokuhweba intengo ingaphansi kakhulu kwalokho okwenziwe ekutholakaleni kwayo. Ngokulahleka kwemali eyimfihlo okungenza ukuthi ulahlekelwe ama-euro amaningi ekuhambeni okuqhutshwa ezimakethe zezimali. Ngokuqinisekile, uzobe uhlangabezane nalezi zenzo empilweni yakho njengomtshali-zimali omncane naphakathi futhi uzobe ukuqinisekisile ukuthi lokho kukhathazeka kuzobe sekulungile esimweni sakho sengqondo.
Ukuze ukwazi ukulungisa lezi zinkinga ngokutshala izimali ezimakethe zezimali, sizophakamisa uchungechunge lwezixazululo ukuzama ukudambisa lesi simo lokho kungenzeka ngamaza athile ekusebenzeni kwakho emakethe yamasheya. Ngoba empeleni, ngokusebenzisa amasu ahlukene uzokwazi, okungenani ukukhawulela ukulahleka okungatholakala ku-akhawunti yakho yezokuphepha kusukela manje kuqhubeke. Yize kulokhu kufanele uthole amakhono athile ekuphathweni kwale mpahla yezezimali efaneleke ngokukhethekile.
Asikwazi ukukhohlwa ukuthi elinye lamaphutha amakhulu abatshalizimali abancane nabaphakathi abangawenza ukuvala izikhundla emakethe yamasheya lapho izinto ziqala ukonakala. Lokho wukuthi, lapho ukuvela kokutshalwa kwezimali ezimakethe zamasheya kungenjengoba ubungathanda ekuqaleni. Kunoma ikuphi, lesi sici singavame kwezinye izimo ngoba akudingeki wenze imisebenzi ibe nenzuzo ngemuva kokuthenga. Kungathatha amasonto amaningi noma izinyanga ukuthi isitatimende semali engenayo sibe sendaweni enhle.
Izixazululo: shintsha izikhathi zokugcina
Isu elilula kakhulu ukufaka noma ukufeza lenziwa ngokwenzeka ngokuhlukahluka ngokwemigomo yaphakade. Uma ubona ukuthi ulahlekelwa yimali kusenesikhathi emakethe yamasheya, esikhundleni sokucabanga ngokutshalwa kwemali kwesikhashana, njengoba kwakuyisifiso sakho sokuqala, ungakwazi yandise kwezinye izikhathi ezinde, okufana naphakathi nendawo futhi okude. Ngale ndlela enamandla, uzokugwema ukwenza ukuthengisa okukhohlisayo ngamanani ezimakethe okubeka izinhlawulo ezinzima kusitatimende semali engenayo ye-akhawunti yakho yokonga. Kumele ushintshe i-chip ngokuya ngezinhloso zakho ezimakethe zezimali.
Ngakolunye uhlangothi, ukwenza leli qhinga lokutshala imali elihlukile kuzokusiza ukuthi ubone imakethe yamasheya ngokwehlukile. Ngokuzola okukhulu nangaphandle ube nokuphuthuma okuthile ukuphothula imisebenzi ngesikhathi esifushane noma esincane. Akumangalisi ukuthi ukutshalwa kwezimali ezimakethe zamasheya esikhathini esiphakathi nesikhathi eside ngokuvamile kunesiphetho esigculisayo ngokwengeziwe sokuvikela izintshisekelo zakho. Kuzodingeka ushintshe iphrofayili yakho njengomtshalizimali omncane naphakathi ukuze uyiqondise kokuzivikela kakhulu kunakuze kube manje. Kuluhlelo olungasoze lwehluleka nhlobo.
Wasebenzise amanani entengo
Isu lesibili lokutshala imali ongaqhubeka nalo kusukela manje kuqhubeke yilo elihlobene ukuthengiswa kwempahla. Ukube ukulahlekelwa ezikhundleni zakho bekungamakiwe kakhulu, uzohlala unezinsizakusebenza futhi usebenzise ama-rebound ukulungisa izikhundla zenani. Ungangabazi nakancane ukuthi lokhu okubuyile, kungekudala noma kamuva, kuzovela ngesikhathi esithile, noma ngabe inani lisenkingeni ecace phansi kakhulu. Yize kuliqiniso ukuthi zingavela ngamandla amakhulu noma amancane, kuya ngezimo zezimakethe zezimali. Imayelana nokunciphisa okungenani ukulahleka okungenzeka ukuthi ungakukhiqiza ekusebenzeni kwakho ezimakethe zezimali.
Inkinga enkulu kuzodingeka ufeze lolu hlelo uma kwenzeka kuba nephutha ekukhetheni izibambiso kuphothifoliyo yakho yokutshala imali ukwazi ukuthi kuziphi izinzuzo okufanele usebenzise ama-oda akho okuthengisa. Akumangalisi ukuthi ungacabanga umehluko phakathi kuka-5% no-10% kubhalansi esitatimendeni sakho semali engenayo. Kuze kube seqophelweni lokuthi ungaphuthelwa yileli phuzu lamanani uma uthatha isikhathi eside kakhulu ukusebenzisa leli qhinga, okulula kakhulu ukulifaka ngokusemthethweni. Lapho kungadingeki khona ukuthi uphuthume intengo yokuqala ngoba lokho okumayelana nakho ekugcineni akukhona ukulahlekelwa yi-euro ekusebenzeni emakethe yamasheya.
Shintshela inani elilodwa kwelinye
Akuhambelani lesi esinye sezixazululo eziyinkimbinkimbi kakhulu ukuzenza ngoba kudinga ukufunda okukhulu ekusetshenzisweni kwayo. Imayelana nokuthi ukhethe inani elinganiselwa kunoma yisiphi isimo kufayela le- ukwehla okujulile Futhi lokho kungakuthatha kwehle kakhulu kwisilinganiso sakho kunalapho ukhona njengamanje. Kulokhu, isixazululo ukumane ushintshe inani lemakethe yamasheya liye kwelinye elibonisa isici sobuchwepheshe esingcono futhi uma kungenzeka sisezingeni eliphezulu, kungcono kakhulu kuncono. Akumangalisi ukuthi kungaba nomehluko wama-euro amaningi ukuba sesimweni esisodwa noma kwesinye ezimakethe zezimali.
Kuzosho kuphela izindleko ezincane ezingeziwe ku- amakhomishini wokuthenga nokuthengisa amasheya njengomphumela walokhu kudluliswa kwamasheya ezimakethe zezimali. Ngokuya ngenani lomsebenzi, kungaba yimali ephakathi kuka-30 no-100 euros cishe. Lokho kusho ukuthi, kucatshangwa ngokuphelele ngamanani wokucatshangelwa okuthile nokuthi ngakolunye uhlangothi uzohlunga ngesikhathi esifushane. Akufanele wesabe ukusebenzisa leli qhinga lokutshala imali ngoba udlala imali eningi kulesi simo esikhethekile.
Kwenze kube nenzuzo ngedividendi
Akungabazeki ukuthi ukuphepha okusabalalisa izinzuzo kubaninimasheya abo kukuvumela ukuthi uvikele ngokwengeziwe ezenzweni zakho. Ngoba noma ngabe ulahlekelwa yimali kwikhotheshini yamanani wamasheya, ungawanciphisa ngokusebenzisa le nkokhelo ku-akhawunti eyenziwa njalo ngonyaka. Noma yini eyenzekayo ezimakethe zezimali. Ngenzalo engaguquki eqinisekisiwe engaphakathi kobubanzi lokho ihamba phakathi kuka-3% no-10%, ngokuya ngezimpahla ezikhethiwe zezimali. Ukuze ngale ndlela, ekugcineni isitatimende sakho semali engenayo sisendaweni enhle.
Ngakolunye uhlangothi, ukuqoqwa kwezabelo kuzonciphisa kancane ukusilela onakho ekusebenzeni kwemakethe yamasheya. Kuze kufike iphuzu onalo kuqedwe ukulahlekelwa cishe ngaphandle kokuqaphela. Luhlelo olusetshenziswa ngabatshalizimali abavikela kakhulu ezimakethe zezimali. Lapho ubungozi buncane khona, noma ngabe kufanele ukwandise isikhathi sokuhlala ngendlela efanelekile. Kanye nokwakha ukushintshaniswa okuzinzile kokonga kwesikhathi esimaphakathi nesikhathi eside nangaphezulu kolunye uchungechunge lokucatshangelwa kwezobuchwepheshe futhi futhi futhi ngokubuka kwezisekelo zako.
Yicasule ngokwezimali
Esimweni esibi kakhulu, esinye sezixazululo onazo zokunciphisa noma ukukhansela ukulahlekelwa kwakho kusekelwe kokuthile okujwayelekile njengokukukhokhela ekubukeni kwentela. Ngesitatimende sakho semali engenayo esilandelayo futhi kuya nge ibuyela kwezabasebenzi nasenhlokodolobha. Ngalo mqondo, kulula kakhulu ukuzibeka ezandleni zomeluleki wentela ukukuqondisa kulokho okufanele ukwenze kulesi simo. Ngoba ungakhohlwa ukuthi uma ulahlekelwe ezimakethe zamasheya, awunakho konke okulahlekile. Uhlala unensiza yezimali ukuzama ukuguqula isimo esivele ekutshalweni kwakho.
Ngenkathi ngakolunye uhlangothi, ungakhohlwa ukuthi lesi sici singathandeka kakhulu onyakeni olandelayo wezimali inqobo nje uma sihambisana neminye imininingwane imali engenayo kanye nokudonswa kwemali yokuhlala yama-akhawunti akho. Kunoma ikuphi, uzokwazi ukubona kule ndatshana ukuthi kunezixazululo zezinhlobo ezahlukahlukene zokulungisa lesi simo esingafiseleki kangako kubatshalizimali abancane nabaphakathi. Futhi ukuthi ngesikhathi esithile empilweni yakho kuzobe sekwenzekile kuwe. Ngemiphumela engaba mibi kakhulu uma ungafinyeleli ezinhlotsheni ezithile zokunquma lokhu kulahlekelwa ekutshalweni kwemali.
Kunoma ikuphi, kufanele uhlaziye uma lokhu kulahleka ezimakethe zamasheya kuthinta inani elincane kakhulu noma uma, kunalokho, kukhulu kakhulu. Ngoba esimweni ngasinye, akungabazeki ukuthi uzoba nokwelashwa okwehlukile futhi kungahle kube ngokwakho. Ngoba akumele ukhohlwe ukuthi ekugcineni lokho okumayelana nokuxazulula le nkinga ebucayi engalethwa kubanini zimali abaningi. Ikakhulukazi, ezimweni ze-bearish kakhulu kuzo futhi ezingathatha amanani azo aphansi kakhulu kunalokho okwamanje.