Enye yezimpahla zezimali okwamanje ezakhiwe njengendawo ephephile yinto eluhlaza efana nesiliva. Ngenye yezitshalomali ezingaziwa kakhulu ngabatshalizimali abancane nabaphakathi. Akumangalisi ukuthi ifihlwe ngokuhambisana komfowabo omdala, okuyigolide. Kufika lapho lapho sekukhona lokhu iheha ukugeleza okukhulu kwenhlokodolobha ezimweni zokungazinzi okukhulu ezimakethe zezimali. Phakathi kwezinye izizathu ngoba kungukutshalwa kwemali okunethuba eliphakeme lokuhlaziywa yize kucatshangelwa ubungozi obuthile.
Isilivere empeleni ingenye yezimpahla zezezimali ezikhiqize ukuhlaziywa okukhulu kakhulu eminyakeni yamuva. Eminyakeni ethile, inzuzo yabo isondele 50% amazinga. Iphesenti ongeke ulithole ngokutshalwa kwemali kwendabuko. Lokho okungukuthi, kwenziwa ngokuhwebelana kwamasheya ngokuthengwa nokuthengiswa kwamasheya. Lapho kunzima kakhulu ukufeza lezi zindawo ezisezingeni eliphakeme zenzuzo ezinamandla kangako.
Enye yezinzuzo eziphambili zokutshala imali kulokhu okubalulekile ukuthi kungenziwa ngokusemthethweni kusuka kumanani amancane. Kepha ngaphezu kwakho konke ngemikhiqizo eyehlukene yezezimali futhi, lapho izinkampani ezahlukahlukene zokutshala imali zivumela ukufinyelela kule makethe ekhangayo. Ngaphandle kokuya ezimakethe zezezimali ukwanelisa lesi sidingo esikhethekile. Ngalo mqondo, kuyindlela enobuhlakani obukhulu edlulela ngale kwamamaki ajwayelekile.
Isilivere: isuka kuphi ukuyiqasha?
Kunoma ikuphi, okunikezwa isiliva okwamanje akukubanzi njengakwezinye izimpahla zezezimali, njengegolide. Kulesi simo esivamile ungathatha izikhundla kulokhu okubalulekile impahla yezezimali ngokubuka ngokomzimba (i-bullion noma izinhlamvu zemali) noma ngokusebenzisa izimali zokutshala izimali ivezwe kule nsimbi eyigugu. Kunoma yimaphi amanani, ukubuyekezwa okutholwe yilolu hlobo lotshalo-mali kuyabhekwa, yize kungenjalo ngaso sonke isikhathi ngamandla afanayo. Ngeke ube nokhetho ngaphandle kokukhetha imodeli eyodwa noma enye ukwenza ukonga kube nenzuzo kusuka manje.
Ngakolunye uhlangothi, eminye imikhiqizo eyinkimbinkimbi iyatholakala edinga ifayela le- ulwazi oluthe xaxa ekusebenzeni. Ngoba empeleni, sibhekisa esikhathini esizayo kanye nezinketho ngokususelwe kule mpahla yezezimali. Kodwa-ke, banokubi okukhulu ukuthi badala izingozi ezinkulu ekusebenzeni futhi kuzo zonke izimo kumele babhaliswe ngaphansi kweso lochwepheshe kulezo zimakethe. Ngoba kunemali eningi engangena emgwaqeni uma ungazi ukuthi ungayishayela kanjani ngendlela efanele. Ukufika ezingeni lokuthi akuwona umkhiqizo wezezimali onconyelwe abatshalizimali abancane nabaphakathi.
Qasha isiliva nge-bullion
Vele, enye yezindlela ezintsha kakhulu zotshalo-mali lwakho ngale ndlela yendabuko kakhulu nokuthi ungakwazi bhalisa noma kunini. Kulesi simo esivamile, awukwazi ukukhohlwa ukuthi lo mkhiqizo uyindlela enhle yokwenza izimpahla zakho zinenzuzo futhi ngaphandle kwesidingo sokuya ezimakethe zezimali ezinye. Uma kungenjalo, ngokuphambene nalokho, kwenzeka ngokuthengwa ngokomzimba kwale nsimbi eyigugu. Ngokuguquguquka okubanzi ekutholakaleni kwe-silver bullion, ngoba kungenziwa kusuka kumanani aphansi kuya kwabanye abacabanga ukukhishwa kwemali enkulu. Kuya ngamandla okutshala imali womsebenzisi ngamunye.
Lolu hlobo olukhethekile nolusha lokutshalwa kwemali lungenziwa ngokusemthethweni ezitolo ezikhethekile noma amapulatifomu aku-inthanethi. Ukuze ngemizuzu embalwa ube nezingodo zakho ekhaya. Ukuze usesimweni soku zigcine ziphephile kusuka ebhange lakho. Ngakolunye uhlangothi, i-silver bullion izwela kakhulu uma ingashukunyiswa ngokomzimba ngakho-ke abahwebi bahweba ngamaphepha. Ngokuqinisekile kungenye indlela ongathatha ngayo izikhundla kule mpahla yezezimali ebalulekile nebaluleka ngokwandayo.
Ukusebenza kwemali, ikusasa ...
Ngakolunye uhlangothi, izinsizakalo zokuhweba nezamabhange ezihlobene nalesi simo se-bullion zifaka ukheshi, ukusebenza kwesikhathi eside nokwesikhashana, izinketho kanye nokuphuma okuxhunyaniswe nesiliva. Noma kunjalo kulokhu, ngeke ube nokhetho ngaphandle kokuthola ulwazi oluningi kulolu hlobo lwemisebenzi ethile yezimali. Kufike ezingeni lokudinga izeluleko ezijulile zokuhlaziya ukunyakaza kwale nqubo yokuthenga izingcezu zesiliva.
Ukusebenza kwesikhathi esizayo, ngakolunye uhlangothi, kungenye yezindlela ongakhetha kuzo onazo zokutshala imali kule mpahla yezezimali. Noma kunjalo, kungukusebenza okubucayi okubandakanya izingozi eziningi kusukela ekuqaleni. Lapho kuyiqiniso ukuthi ungathola inzuzo enkulu yemali, kungenzeka ukuthi ikushiyele ama-euro amaningi endleleni. Uma ungazi ukuthi usebenza kanjani nalo mkhiqizo othile, kungcono uwuyeke lo mzamo. Ngoba empeleni, kungaba nemiphumela engadingeki emnothweni wakho wasekhaya. Ngakho-ke kuzoba ngcono ukuthi ugxile kulawo amamodeli wokutshala imali owaziyo.
Izinzuzo zale misebenzi
Yize isiliva belingelinye lempahla yezezimali ebelithokozela kakhulu eminyakeni yamuva, lokhu akusho ukuthi kufanele uthathe izinyathelo zokuqapha ukugwema izimanga ezizayo esitatimendeni sakho semali engenayo. Kepha kunoma yikuphi, okokuqala kufanele uhlaziye ukuthi yiziphi ezinye izinzuzo ezibandakanya lolu hlobo lomsebenzi. Lapho okuhambisana kakhulu nalokho esikudalula ngezansi.
- Akukho lapho ungakhohlwa khona ukuthi ubhekene nenye yezimpahla zezezimali ngokwazisa okuphezulu kakhulu eminyakeni yamuva. Lapho kube khona iminyaka lapho kuye kwaba nenzuzo ngenhla kwe-50%. Lokhu kusho ukuthi kungukutshalwa kwemali okunamandla amahle kakhulu okukhuphuka, kepha ngaphansi kokushintshashintsha okukhulu.
- Ingenye yamanani esiphephelo wempilo yonke, futhi kunconyelwe kakhulu izikhathi zokungaqiniseki nokungazinzi komnotho. Yize kusenkingeni yokuthatha izingozi eziningi ukwedlula kulokho okuthiwa ukutshalwa kwezimali kwendabuko noma okuvamile kubo bonke.
- Ingenye yemikhiqizo yokutshalwa kwezimali ethandwa kakhulu eminyakeni yamuva. Ngokungabikho kwemibono nangendlela ethile ukungacaci kwezimakethe zendabuko zezimali. Ukuvumelana nganoma yisiphi isimo njengenye indlela yangempela yokwenza ngcono amamaki wenzuzo ekusebenzeni.
- Ungathola i- inzalo engaphandle kokubuka kwezimakethe zezimali ngokwesiko. Ngoba okwamanje bambalwa abanganikela ngenzuzo yangempela neyonyaka esondele kakhulu ku-90%. Uma lesi simo sithandeka kakhulu ungasithola. Lokhu akunakwenzeka lapho uthenga futhi uthengisa amasheya ezimakethe zezimali.
Okubi kokuhweba ngesiliva
Ngokuphambene nalokho, le misebenzi kule nsimbi eyigugu yokubaluleka okukhethekile ifaka uchungechunge lweziphazamiso ezidingekayo ukuze wazi. Ukuze ngale ndlela usesimweni esihle kakhulu sokuhlola noma cha ukuqasha kwakho kokugcina. Ngoba empeleni akuyona yonke into engamalambu kulesigaba sokutshalwa kwemali, kepha kukhona uchungechunge lwama-nuances olungaba luhle kakhulu ukuvikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi. Futhi lezi ngezinye zezinto ezibaluleke kakhulu.
- Akungabazeki ukuthi ukuba ngumkhiqizo wenoveli kudinga i- isipiliyoni esithile ekusebenzeni kwakho. Njengoba kungenjalo, kungaba nemiphumela engadingeki ezikhundleni ozivula kusukela manje kuqhubeke.
- Kweminye imikhiqizo yezezimali esuselwa kule nsimbi eyigugu kuyadingeka ukuthi uhlaziye imibandela yenkontileka. Okufana nokuphelelwa yisikhathi, amakhomishini, izinhlawulo, njll. Ukuze ngale ndlela ungatholi isimanga esibi ngesikhathi esithile ekutshalweni kwemali.
- Ubhekene nemodeli ekutshalweni kwemali ethembele kakhulu emandleni okuthiwa yi- ukufunwa nokunikezwa kwezimakethe zomhlaba jikelele. Leli qiniso elibonakalayo ngokungangabazeki lingakhawulela kakhulu izinzuzo ezingakhishwa kusuka kuzikhundla ezivulekile zesiliva.
- Kunjalo akuwona umkhiqizo oguqulwe kuwo wonke amaphrofayili yabatshalizimali abancane nabaphakathi. Hhayi kancane, ngoba kuphela ababucayi kakhulu kulolu hlobo lomsebenzi abazokwazi ukuthatha isikhundla ngesiqinisekiso sokuphumelela kwesinye isikhathi.
Njengoba ubonile, ukutshala imali kusiliva kungaba nenzuzo enkulu kusuka manje. Kepha inqobo nje uma unengqondo ejwayelekile njengendawo ejwayelekile ekusebenzeni futhi ngaphezu kwakho konke umthamo omuhle wokuqapha kukho konke ukusebenza. Akuwona umkhiqizo ongawusebenzisa, kepha ubonakala ngaphansi kwezimo ezimakethe zezimali ezihluke kakhulu. Futhi lokhu kuyinto okufanele uyiqaphele manje ngaphezu kokunye ukucatshangelwa. Akumangalisi ukuthi amanani abo abuswa amanani ahlukile kunalawo ezinye izimpahla zezezimali. Kuyinto ebaluleke kakhulu ukuthi ibhekwe kuyo yonke imisebenzi.