Uma igama labeluleki be-robo lifika engqondweni yakho ekuqaleni, ungahle ungazi ukuthi liyini ngempela.
Kepha uma esikhundleni saleli gama eliyinkimbinkimbi sikhuluma nawe ngomphathi ozenzakalelayo wokutshalwa kwezimali, uzobe usunomqondo osondele kakhudlwana mayelana nencazelo yalo yangempela. Lapho ucabanga ukuthi kuyinto efanayo, abeluleki be-robo noma umphathi ozenzakalelayo. Futhi isicelo sikabani esithuthukiswa ukuze ukwazi ukutshala imali yakho ezimakethe zezezimali, kepha ngombono ohlukile.
Hhayi kuphela ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya, kepha nakwezinye izinhlobo zokutshala imali. Isibonelo, ku izimali ezihlanganyelweyo, izinhlelo zempesheni, izincwadi ezigunyazayo noma okuphuma kokunye nokuthi bangakuvumela ukwenziwa okuhle kokusebenza ozoqhubeka nakho kusukela manje kuqhubeke.
Isu layo lincike ekunikezeni izeluleko zezezimali kanye nokuphathwa kumaphothifoliyo okutshalwa kwezimali ngokusebenzisa ama-algorithms futhi lapho ukubamba iqhaza komuntu kungekho khona. Kusho ukuthini ngempela lokhu? Yebo, amaphutha angenziwa ekunyakazeni ezimakethe zamasheya mancane kakhulu futhi ngenxa yalesi senzo uzoba namathuba amaningi okwenza imali oyongele yona ibe nenzuzo. Izinga lapho imingcele yenzuzo ingathuthukiswa khona.
Esinye isici esihlukanisa le menenja ekhethekile kakhulu ezenzakalelayo ukuthi ingakwazi ukukhiqiza iphothifoliyo ye- utshalomali olwenziwe ngezifiso futhi yakhelwe izidingo zangempela zabatshalizimali abathengisa. Akumangalisi ukuthi ingabanikeza isisombululo sezezimali abasidingayo nganoma yisiphi isikhathi futhi kunoma yisiphi isimo, kepha ngendlela ezenzakalelayo ngokuphelele njengoba ibucayi kakhulu ekuthathweni kwezinqumo okufanele zithathwe emkhakheni wokutshala imali. Isibonelo, uma kungcono ukutshala imali emikhakheni evikelayo noma kunalokho, kunethuba lokuthatha izikhundla kubuchwepheshe obusha.
Abeluleki beRobo abavela ku-fintech
Yisevisi esanda kwenziwa esivele inabalandeli abaningi phakathi kwabasebenzisi emhlabeni jikelele. Ikakhulu ngenxa yokusungulwa kweziphakamiso zayo kusukela ukwakheka kwamaphothifoliyo ayo okutshalwa kwezimali kungahluka ngokuya ngesimo sezimakethe ezehlukene zezezimali. Kepha okuhle kakhulu kuzo zonke izici zayo ukuthi ifinyelela le nhloso ebalulekile ngokunemba okukhulu ngakho-ke ingaba njalo thuthukisa imiphumela yokusebenza kunokuthi ngabe zenziwe ngendlela yomuntu siqu kanye neyomuntu ngamunye. Lokho wukuthi, ngaphandle komnikelo waleli thuluzi ekuphathweni kwezezimali.
Le misebenzi yezezimali yokutshalwa kwezimali isetshenziselwa ini? Yebo, ngokuyisisekelo ukunyakaza okuyinhloko ezimakethe zezimali, phakathi kwazo lapho ukuthenga nokuthengisa amasheya emakethe yamasheya noma kwezinye izimpahla zezimali. Njengesibonelo, izinto zokusetshenziswa, izinsimbi eziqondile futhi kwezinye izimo zicaciswe ngohlobo lwemali olubonakalayo noma ama-cryptocurrensets. Kusuka kundlela yokutshala imali eshesha kakhulu kunamafomethi wendabuko ebesikujwayele ukusebenza ngawo kuze kube yiminyaka embalwa edlule.
Ezinye izinzuzo zayo
Kusobala ukuthi lo mkhiqizo uhlobene kakhulu notshalomali futhi lokhu kuyisici esinzima sakho konke ukungabaza. Kepha yenziwe yaba yesimanje ezinyangeni ezedlule kuze kube yilapho ubungozi bokusebenza kwayo bunqunyelwe. Ngomqondo wokuthi okulindelwe ngabatshalizimali abancane nabaphakathi aziguqulwa ngokuguquguquka ezimakethe zezimali. Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi enye yezimpawu ezichazwe kakhulu zezimali ukuthi bakhiqiza umehluko omkhulu phakathi kwamanani abo aphezulu kanye namanani amancane angafika ku-10% kuseshini efanayo yokuhweba. Yebo, ngalo mphathi ozenzakalelayo la maphesenti ancishiswe kakhulu.
Ngakolunye uhlangothi, le menenja ezenzakalelayo ekhetheke futhi entsha yenza kube nokwenzeka ukulinganisela izimpahla zezimali ezikhethwe abasebenzisi noma amaklayenti. Lokho wukuthi, kubanikeza ukuphepha okukhulu lapho benza imisebenzi yabo, noma ngabe banjani. Akukona ngokwako ukuphathwa okufanele kusetshenziswe, kepha kunalokho kuyasebenza futhi kwenziwe ngezifiso ukuze kwehlukaniswe ngokwakho namanye amamodeli ekuphathweni kotshalomali oluzimele.
Imvelaphi yalaba baphathi
Kunoma ikuphi, nangokuqonda kwakho okungcono, kuyadingeka ukuthi uye ngemuva kwayo ukuze uqinisekise kangcono ukuvela kwayo ezimakethe zezezimali. Kuyiqiniso ukuthi akuwona umkhiqizo omusha selokhu wabonakala phakathi kuka-2007 no-2009, kepha ubulokhu upheleliswa eminyakeni edlule. Kusuka ku-2016 Sekuvele sekuyindlela entsha yokuthi abatshalizimali benze ukulondolozwa kwabo kube nenzuzo ngeziqinisekiso ezithe xaxa zempumelelo futhi bakwazi ukuthembela kulo msebenzi ngokunikezwa okukhulu okuvela ezinkampanini eziphethe ukumaketha.
Okwamanje akuwona umkhiqizo othandwa kakhulu, kepha sekukhona abalamuli abaningana bezezimali abahlinzeka le nsizakalo kumakhasimende abo. Eminye eyaziwa kakhulu yi-Indexa Capital, Finizens, Inbestme neFininbest?. Kepha izindaba ezimnandi zabatshalizimali abathengisayo ukuthi izinkampani ezinjalo ziya ngokwanda. Ukutshala imali yakho kusuka kwenye indlela ekuphatheni okuvamile okusebenzayo.
Ukutshalwa kwemali kwesikhathi esizayo
Abeluleki beRobo sebengabonakala njengokutshalwa kwemali kwesikhathi esizayo. Leli iqiniso elingenakuphikwa elisekelwa ngamanye amahlelo alo ajwayelekile futhi selivele lisizakale ngabathile izinhlelo zempesheni eziphansi kakhulu.
Phakathi kwalezi zinhlangano ezijwayelekile kukhona okulandelayo esikudalula ngezansi:
- Izindleko eziphansi: ungonga ingxenye ebaluleke kakhulu yezindleko ezibandakanya amasevisi akudala kakhulu.
- Kungumkhiqizo ofinyeleleka kakhulu: ngomqondo wokuthi singayiqasha ngamanani alula kakhulu kubatshalizimali. Ngokuvamile kusuka ku-3.000 ukuvula i-akhawunti nokubamba iqhaza ezinzuzweni zayo zezezimali.
- Hlukanisa utshalomali: ivumela iphothifoliyo yokutshalwa kwezimali ukuthi inwetshiselwe kwimikhiqizo nezimpahla eziningi zezezimali. Ngenhloso ephindwe kabili, ngakolunye uhlangothi ukulondoloza imali, ngakolunye uhlangothi ukwenza ngcono imiphumela esitatimendeni sakho semali engenayo. Ngenani elengeziwe lokuthi yonke inqubo izofakwa ekhompyutheni kusukela ekuqaleni.