Isikhathi sesifikile sokutholakala kwezindleko zokutshala imali futhi leli qiniso lingaqhamuka ezigabeni ezahlukahlukene esizokukhombisa ukuze abatshalizimali bakwazi ukuzilinganisela esimweni sobunzima obukhulu babo bonke abasebenzisi. Hhayi kuphela maqondana nentuthuko yemisebenzi yabo ezimakethe zezimali. Kepha futhi kwimikhuba yabatshalizimali uqobo kuzofanele yehluke kubo nokwandisa ukunyakaza kwakho kusuka manje. Ngale ndlela, ekugcineni umphumela ku-akhawunti yakho yokonga wanelisa kakhulu ekupheleni konyaka ngamunye.
Ngokwesimo lapho abantu abaningi benza lolu hlobo lwemisebenzi njengomthombo noma umphelelisi weholo labo ngenxa yokushoda kwemali engenayo ngenxa yomsebenzi wabo noma iholo labo. Lapho, ukunikezwa okuhle kwemikhiqizo yotshalo-mali kuvumela ukuthuthukiswa kweziphakamiso eziqhubeka ngokuncintisana nezindawo ezisebenzayo kuzo zonke izimakethe zezezimali ezingafinyelelwa ngokusebenzisa ezinye izindleko ezingabizi kakhulu kwezomnotho yawo wonke amakhaya, futhi lokho kungasebenza njengesiqalo sokuqalisa amasu wokonga kulo lonke utshalomali.
Ngale ndlela, akunzima kakhulu ukuthi ekupheleni konyaka ngamunye singonga imali ebonakalayo esingayabela abanye izidingo zomuntu siqu noma zomndeni. Ngesikhathi lapho ukunqwabelana kwezindleko kufanele kube enye yezinhlaka ezifanele kakhulu ezenzweni zethu kusukela manje kuqhubeke. Futhi ukuthi ukuphela kosuku kungenye yezinjongo zethu, okungenani kuze kube sekupheleni kwenkinga yamanje yezomnotho eqale ngemuva kokunwetshwa kwe-coronavirus. Ngoba empeleni, le njongo efunwa ngabatshalizimali abancane nabaphakathi futhi ingafinyelelwa ngokutshalwa kwezimali, ikakhulukazi esikhathini samanje.
Izindleko zokutshala imali: amakhomishini
Vele, ukuhamba kwamakhomishini kunoma yiluphi uhlobo lwemikhiqizo yezezimali exhunywe kutshalomali kungenye yemithombo ephawuleka kakhulu yaleli su elikhetheke kakhulu. Ngakolunye uhlangothi, kuzodingeka ukuya kulowo nalowo kubo ukukhombisa ukuthi yiziphi izinqumo ezizofanele zithathwe kusukela manje kuqhubeke. Kulokhu, uma kukhulunywa ngokuthenga nokuthengisa amasheya emakethe yamasheya, ngeke sibe nenye into esingayenza ngaphandle kokuya ezimakethe zezimali zikazwelonke, okuyizo ezikhombisa amanani ancintisanayo kakhulu. Ngokuncishiswa kwamacala ascillates phakathi kuka-20% no-30% enanini lomsebenzi owenziwe. Ukusuka lapho ukutholakala kwezindleko kulula kakhulu ukukwenza ngeziqinisekiso ezinkulu zempumelelo.
Ngenkathi ngakolunye uhlangothi, kufanele kukhunjulwe ukuthi kunokuguquguquka okukhulu maqondana namanani ekhomishini wokuthenga nokuthengisa ukusebenza emakethe yamasheya. Ngokunikezwa okuhlukaniswe kakhulu ngokwama-ejenti alungiselela lezi ziphakamiso ekuphathweni kokongiwa kwabaninizo. Ngaphansi kwezinye izaphulelo ezihambayo kusuka ku-3% no-10% ngokususelwa kuziphakamiso zezinhlangano eziphethe ukubeletha lawa makhomishini. Ngokuqondene neqiniso, ungakhetha phakathi kwamakhomishini ezimakethe zikazwelonke njengoba zitholakala ngaphandle kwemingcele yethu. Ngokwehlukahlukana okungafinyelela amazinga afinyelela kuma-20% futhi ngalokho-ke kungaba ngomunye wemithombo yethu yokonga abasebenzisi be-stock market.
Ukusebenza okuncane futhi kunamandla amakhulu
Elinye isu abangalisebenzisa abatshalizimali abancane nabaphakathi ukwenza imisebenzi yeqembu ibe mbalwa. Ngamanye amagama, kuhlala kukhetha ukukhetha ukwenza imisebenzi embalwa yokuthenga amasheya yenani elikhulu lemali kunaleyo embalwa futhi enamandla amancane kakhulu. Eqinisweni, uzokwazi ukubheka kusuka kulowo mzuzu ukuthi izindleko zokunyakaza kwe-accounting kuncishiswe kakhulu. Kufike ezingeni lokuthi uzoba nemali eningi kwi-akhawunti yakho yokonga kunalokho obukucabanga ekuqaleni. Akumangazi-ke ukuthi, ekupheleni kosuku enye yezinhloso ingxenye enkulu yabatshalizimali abazibekele yona lapho bebhekene nalolu hlobo lokusebenza ezimakethe zezimali.
Ngakolunye uhlangothi, kufanele kuphawulwe ukuthi ngalokhu ngaso sonke isikhathi kuyasiza kakhulu ukukhetha kakhulu lapho uthatha izikhundla ezimakethe zezimali. Akuwona umbuzo wokutshala imali ukuze utshale imali, kepha kunalokho kuyithuba lokubheka amathuba ebhizinisi anenzuzo. Kuyindlela yokwandisa lolu hlobo lokutshala imali ngoba eminyakeni yamuva asizange siyisebenzise ngakho-ke kube ngomunye wemithombo yamaphutha ethu futhi okuholele ekutheni silahlekelwe ngama-euro amaningi nasendleleni. Manje yisikhathi sokufunda kokwedlule, futhi manje yisikhathi esihle sokushintshwa kwesu lokutshala imali elinamandla.
Khetha imikhiqizo eshibhile
Vele, akuyona yonke imikhiqizo yezezimali esuselwa ezimakethe zokulingana ezinesilinganiso esifanayo namakhomishini. Hhayi kancane. Uma kungenjalo, ngokuphambene nalokho, ungathola ukwehluka okuhlukile phakathi kokunye futhi okungafinyelela ku-30%. Ngokombono, omunye wemikhiqizo enenzuzo enkulu yi- izimali ezihwebelana ngokushintshaniswa noma ama-ETF lokho kukhombisa amazinga wokuncintisana kakhulu enzuzweni yabaphethe. Lo ngumkhiqizo ohlanganisa izimali ezivamile zokubambisana kanye nokuthengwa nokuthengiswa kwamasheya. Ukuze ngale ndlela, bakwazi ukuqukatha izindleko ekusebenzeni kwabo. Ngenzuzo eyengeziwe yokuthi izimali ezihwebelana ngokushintshisana zingabhaliswa, zombili kumafa wezezimali asuselwa kwizimali kanye nemali engenayo engaguquki.
Izimali zokutshala imali nazo zingaba nenzuzo enkulu uma sazi ukuthi singayikhetha kanjani imodeli evumelana kangcono nezidingo zethu. Ngalo mqondo, yilabo abasuselwa ezimakethe zikazwelonke ezinikeza amadili amahle kakhulu okwamanje. Ikakhulukazi uma bevela emalini engenayo engaguquki noma ezindleleni zemali ukwenza ukonga kube nenzuzo ngalezi zimali zokutshala imali. Ukuze usesimweni esihle kakhulu sokuqukatha izindleko emsebenzini wakho ngamunye ezimakethe zezezimali. Hhayi ngeze, umehluko phakathi kokunye noma komunye kungaba yisihluthulelo sokuthi ekugcineni ungaphetha ngokufika kwaleli su ekutshalweni kwabantu ngabanye. Ngethuba langempela lokuthi akudingeki uzikhawulele kunoma iyiphi impahla ethile yezezimali. Uma kungenjalo, ngokuphambene nalokho, ungaya kumafa wezezimali agcina ukuthambekela okucacile okuphezulu ngenkathi kunwetshwa izimakethe.
Gcina kuma-commissions
Ikakhulukazi abatshalizimali abenza imisebenzi eminingi ngonyaka, yomibili ebhekiswe esikhathini esifushane, esiphakathi noma eside, bangasebenzisa amanani entengo emakethe yamasheya aqala ukuthengisa izikhungo zezezimali ezengeziwe futhi, ezivumela ukonga okukhulu ngokwamakhomishini imisebenzi eyenziwe. Izinga lalo liphakathi kuka-10 no-20 euros ngenyanga, futhi kumuntu owenza inani eliphelele lemisebenzi ngenyanga, isibonelo, ukulondolozwa kuzoba kungasho cishe ama-euro angama-30 ngenyanga ngokwesilinganiso, okusiza nokwandisa utshalomali.
La isilinganiso esiphansi Emakethe yamasheya, ivumela umsebenzisi ukuthi enze imisebenzi eminingi yokuthenga nokuthengisa njengoba efuna, njengoba kunjalo ngamanani ocingo noma we-Intanethi. Yize ukusetshenziswa kwayo kungasakazeki kakhulu emkhakheni wezezimali, ikakhulu kubandakanya amabhange nabalamuli bezezimali, amabhange okonga asebenza nge-Intanethi nangabalamuli bezezimali. wabathengi, kuzwelonke nakwamanye amazwe, okuyiwona ahlinzeka ngezimo ezihamba phambili. Ukufika lapho izindleko zingase ziqukethwe cishe ku-2% womqondo ophelele wale misebenzi. Ngendlela elula kakhulu yokwenza noma yiluphi uhlobo lwephrofayili kumtshalizimali omncane noma ophakathi.
Sivuna izimakethe
Kunoma ikuphi, indlela engcono yokonga ngezimali zethu ezitshaliwe iyaqhubeka nokuba nokuqonda hhayi ukwenza lokho ngokungenangqondo nangokuphikisana nomqondo wezimakethe. Ukwenza lokhu, ngaphambi kokutshala imali yethu, kufanele qaphela ukuziphatha kwezimakethe izitatimende zezimali, hlola ukuthi zivuka nini futhi uqinisekise ukuthi ziwa nini, kanye nohlobo lwezindaba ezithinta ukuvela kwazo ukuze zisinikeze - ngisho nangendlela elula - ukuthi kuzokwenzekani ezifundweni ezilandelayo.
Kunjalo-ke, futhi uma lonke lolu lwazi selufakiwe, lapho sinomqondo olinganiselwayo womkhuba ongathathwa yilo lonke utshalomali lwethu. Uzokwazi ukuthola izikhundla kunoma imiphi imikhiqizo yotshalo-mali ehlaziyiweyo. Futhi, impela lo msebenzi wokuqoqa imininingwane uzosiza abasebenzisi ukuthi benze ukonga kwabo kubaluleke kakhulu futhi kuphakanyiswe ngokuthenga okungcono nokuthengisa, lapho izinzuzo zizoba ngaphezulu.