Abatshalizimali abancane nabaphakathi basesimweni sokusebenzisa amasu athile ukunqanda ukwehliswa kwemali emakethe kuze kube yileso sikhathi, okungukuthi, ukulahleka kwemali enkulu. Ngokuvamile njengomphumela wokusebenza kwe- ukuthenga nokuthengisa amasheya emakethe yamasheya. Kepha neminye imikhiqizo ehloselwe ukutshalwa kwezimali (izimali zokutshala imali, iziqinisekiso, ezibalwe, njll.). Kepha into ethakazelisa kakhulu ngalawa masu ukuthi angakusiza nokukuzuzisa ngokwezezimali esitatimendeni semali esilandelayo. Lokho wukuthi, kungaba nomthelela omuhle ongeke uwuthole kuwo wonke amandla aso njengamanje.
Kulesi simo esivamile, kuzobaluleke kakhulu ukuthi uzame ukuthola uhlobo oluthile lwesixazululo se- Izinkinga zemakethe yamasheya otshaliwe imali yakho. Ikakhulukazi ku- izimo ze-bearish ezimakethe zezezimali futhi lapho kungenzeka khona ukuthi ulahlekelwe yi-20% noma i-30% yenhlokodolobha etshaliwe. Noma ikakhulukazi ezimweni ezingezinhle kakhulu lapho kuwela ezimakethe zezimali kunodlame ikakhulukazi. Kuze kube seqophelweni lokuthi kuzofika iphuzu lapho uza khona ukuzibuza lo mbuzo olandelayo: ngabe akhona ngempela amasu okubhekana nokukhubazeka?
Vele, azikho izindlela zokupheka zemilingo zokulungisa le nkinga enkulu ongayithuthukisa ngesikhathi esithile empilweni yakho njengomtshalizimali omncane naphakathi. Kodwa-ke, ngokusebenzisa eminye imihlahlandlela noma iseluleko ungabhekana nokuwa okudingidwa yizimali zamazwe ngamazwe ngesikhathi esithile. Ukuze ngale ndlela, ngakolunye uhlangothi ukwazi yeka ukulahleka kwemali ukuthi uyahlupheka. Futhi kokunye, usesimweni esingcono sokuthuthukisa ukusebenza ezimakethe zezimali.
Ukukhubazeka: isici okufanele usicabangele
Kuzo zonke izimo, akukho okunye ongakwenza ngaphandle kokukhomba iphrofayili onayo njengabasebenzisi be-stock market. Njengezici eziyinhloko zokutshalwa kwemali ozenzile esikhathini ngasinye. Futhi yikuphi okulandelayo esikudalula kuwe ngezansi:
Izinga loketshezi: Kuyadingeka ukuhlukanisa phakathi kwabasebenzisi abadinga izinsizakusebenza zezezimali kulabo abangazidingi. Ngalo mqondo, akufanele ukhohlwe ukuthi abokuqala babo bazoba nesidingo sokuthengisa amasheya abo ukuxazulula inkinga. Ngenkathi abatshalizimali abasele bazoba nesikhathi esithe xaxa sokubuyisa utshalomali lwabo. Lokho wukuthi, amasheya angaba seduze kwentengo lapho kuthengwe khona.
Isikhathi sokuhlala: Akungabazeki ukuthi ukuba sesikhathini eside akufani nokuba mfushane. Ukufika ephuzwini lokuthi ngokuya ngaleli pharamitha elibalulekile uzokhetha isu elilodwa noma elinye lokumisa ukulahlekelwa onakho kwi-akhawunti yakho yezokuphepha. Ngeke ube nesinye isixazululo ngaphandle kokukhomba isikhathi sokusebenza kwamasheya.
Inhlokodolobha etshaliwe Kuzoba wusizo olukhulu ukuthatha izixazululo zale nkinga ozocabangela inani lale misebenzi emakethe yamasheya. Ngoba empeleni, ukwelashwa kotshalo-mali lwama-euro angama-3.000 akufani nalokhu okudinga amanye ama-euro ayi-100.000. Kuzoba nokuhlukahluka okuphawulekayo kuzixazululo okufanele uzithathe kusukela manje kuqhubeke. Akumangalisi ukuthi ukwelashwa kwakho kuzohluka kakhulu esimweni ngasinye.
Imihlahlandlela yokumisa ukulahleka
Manje kuza umzuzu othakazelisa kakhulu wale ndatshana futhi yiwona obhekisa ezixazululweni onazo ukulungisa lesi sehlakalo esikhathazayo emhlabeni wemakethe yamasheya. Ungakhathazeki ngoba kusukela manje uye phambili izindlela eziningi ukuqukethe ukopha kokuwa kwamanani. Ngabe ufuna ukwazi ukuthi yiziphi ezinye ezihambisana kakhulu? Yebo, naka kancane ngoba ungaba wusizo olukhulu ukuze ukwazi ukuphuma esimweni esingajwayelekile esingavuni izikhwama.
Ukuxhashazwa kwentela kwabakhubazekile: ngokuya ngemali eyinhloko eyenziwe kulo nyaka futhi ngokuya ngokulahlekelwa emakethe yamasheya ongahlupheka kukho, ungenza ukuthengisa okuyingxenye noma okuphelele kwezibambiso ezingabhekiwe ngenani lentengo yokuthenga yesitatimende semali engenayo esilandelayo. Kuyindaba yokwenza izinombolo, ukubala ukuthi yiziphi izinzuzo ezingabikwa ngokwenza lokhu kuthengisa futhi, uma kwenzeka ungabaza, into enengqondo kunazo zonke ukuya kumeluleki wentela ozophatha ukunquma ukuthi lo msebenzi kufanele kwenziwe. Njengamanje kungenye yezindlela ezizuzisa kakhulu izintshisekelo zabatshalizimali abancane nabaphakathi.
Ukuthengisa okuyingxenye noma okuphelele?
Kungumsebenzi ozoncika kwezinye zezinto okuxoxwe ngazo esahlukweni esedlule. Ngoba ngeke kuhlale kuyisimo esifanayo futhi noma ngabe ungadala ini ekuqaleni. Uma kungenjalo, kunalokho, lokhu kusebenza ezimakethe zezimali kuzoncika kakhulu ku imali etshaliwe futhi ikakhulukazi isikhathi saphakade lapho utshalomali luhloselwe khona. Njengoba ubonile, ngeke kube ukwelashwa okufanayo kuzo zonke izimo, kepha kuzodingeka isenzo esihlukile esimweni ngasinye. Ngoba awukwazi ukukhohlwa ukuthi ngamunye wabo akahlangani ngalutho nabanye.
Kule ndlela ejwayelekile, kuza umzuzu wokunquma kunazo zonke. Kuzofanele usho lapho okumele ukwenze kusuka manje. Lokho wukuthi, noma ngabe ukwenza ukuthengisa okuphelele noma okuyingxenye ukuze ungalahlekelwa yimali eningi ezikhundleni zakho emakethe yamasheya. Yebo, ngalo mqondo, akukho okungcono kunokwenza ngokuvumelana ne- amasheya onawo kuphothifoliyo yakho ngalezo zikhathi. Kepha njalo ubheka isici esifanelekile njengokuthi uzoyidinga yini leyo mali ezinyangeni ezizayo. Noma uma ngokuphambene ungavumela ukuqhubeka nokunyakaza okuvulekile izinyanga ezimbalwa noma unyaka.
Hlala ugcina izikhundla
Enye indlela ongasizakala ngayo kulesi simo esikhona ukuthi ungashintshi isu lakho lokutshala imali kokuncane. Lokhu kusebenza kuhumusha ekungenzi lutho nakancane ekusebenzeni kwemakethe yamasheya. Ngenhloso eyinhloko yokulinda i- izimakethe ziphinde zizole futhi uqinisekise ukuthi amanani entengo yokuphepha ngakunye afinyelela, okungenani, intengo yokuthenga ngesikhathi esinqunyiwe umnotho wakho wasekhaya. Kuyindlela eqinisekile yokulondolozwa ekhonjisiwe kulabo abatshalizimali abanephrofayili yokuzivikela abangenazo izinkinga zemali futhi abaqondisa utshalomali lwabo esikhathini esimaphakathi noma eside.
Akubona bonke abasebenzisi abakwazi ukukhokhela lesi sixazululo esikhulu. Kepha konke kuzoya ngokuthi uzodinga yini ukubekwa kwemali ukuhlangabezana nezindleko zomuntu siqu noma zomndeni ezinyangeni ezimbalwa noma eminyakeni elandelayo. Ngalokhu, kuzofanele ubuyekeze ukuthi uyini umthombo wakho wemali kusukela manje kuqhubeke futhi lokho kuzonquma ngesinqumo ozosithatha mayelana nale nkinga evelayo futhi engadala nobuhlungu bekhanda ebusuku. Akumangalisi ukuthi udlala kakhulu ngalesi sinqumo onaso ngaphambi kwakho njengamanje.
Sebenzisa amanani ashibhile
Kunoma ikuphi, uma unephrofayili enolaka ngokwengeziwe, unecebo elingasiza kakhulu ebusweni bemigomo emide kunayo yonke. Akumangalisi ukuthi kungathatha ukuthi usebenzisa ngokunenzuzo amanani entengo aphansi ukuthuthukisa izikhundla zakho kumasheya. Ngoba empeleni, kulula njengoba uzokwazi ukubona ngezansi. Kuyindlela esekwe ekwenzeni ukuthenga okukhethiwe ukuze uthole iminikelo yakho yezezimali. Kepha ngentengo ephezulu kunalokho abanakho okwamanje. Ukuze ngale ndlela, ungagcini nje ngokubalekela ukukhubazeka, kepha nokuthi enye ingxenye ihambisane nesisekelo salokho okuzoba yisithelo sokutshala imali oyongile.
Lelisu lokutshala imali lisebenza kahle kakhulu lapho ukwehla kungumphumela wehle kakhulu ethize. Kufike ezingeni lokuthi uzohlangana namanye amanani wamasheya azothakazelisa kakhulu njengokubadelela. Kodwa-ke, kufanele ube negazi eliningi elibandayo futhi ngaphezu kwakho konke lokho usekelwa yi-akhawunti yokonga enamandla ngokwanele ukwanelisa lesi sidingo esikhethekile onaso njengomtshalizimali omncane naphakathi. Kufanele ubalule ngaphezu kokunye ukucatshangelwa ukuthi amanani akho angakhuphuka ngaphezu kwe-15% ngesikhathi esifushane.
Kunoma ikuphi, kufanele ukhumbule ukuthi leli qhinga liyasebenza impela uma kukhulunywa ngamasheya abonakala ngokungazinzi okuncane namandla awanikezayo ekusebenzeni kwabo emakethe yamasheya. Lapho ukunyakaza kungabi nodlame kakhulu futhi kungabuyisa intengo yabo yasekuqaleni kalula, phakathi kwezinye izizathu ngoba ukuwa kwabo ezimakethe zezimali kunodlame njengakwezinye iziphakamiso emakethe yamasheya. Ngaphandle kwezinye izinhlelo ongazisebenzisa ukubhekana nokulahleka okungafakwa esitatimendeni sakho semali engenayo. Okungukuthi, ngemuva kwakho konke, ukuthi isebenza ini kulawa macala.