Ukuphepha okuyindawo ephephile yilawo asebenza kangcono ezimakethe zezezimali ezimweni ezingezinhle neze, noma okufanayo, lapho zehla kakhulu ngaphansi kwezimo ezithile eziyinkimbinkimbi kakhulu. Kuyindlela entsha yokuvikela ukonga, kepha ngaphandle kokuziyeka ekutshalweni kwemali. Ukufika ezingeni lokuthi bangaba nenzuzo enkulu. Ngokudlala okuyela ngasocansini.
Ukuze usebenzise leli su elikhethekile lokutshala imali, kudingekile kuphela ukuthola ukuthi yiziphi izimpahla zezimali ezihlangabezana nalo mnikelo. Kusukela manje kuqhubeke, khetha lezo ezifanela iphrofayili yakho njengomtshalizimali omncane noma ophakathi. Ngezinzuzo kanye ukungalungi ukuthi sizokubuza kulolu lwazi.
Noma nini lapho isimo ezimakethe zezezimali, ikakhulukazi lezo zamasheya, singekho esivuna kakhulu izintshisekelo zakho, kuyodingeka ukuthi ucabange ngokutshala imali kwiziphephelo zokuphepha ngokwenza kahle. Abanye babo ungahle ubazi, kepha omunye angakumangaza nokuvela kwayo okuphezulu. Kunoma ikuphi, bazokwanelisa izidingo zokutshalwa kwezimali ezimweni ezinzima kakhulu. Ukusuka ekunyakazeni ngokweqile kuya ezingxabanweni zempi, futhi ngaphandle kokushiya noma yikuphi ukuhlaselwa kwamaphekula ngemuva kwakho.
Amanani okuphepha aphephile: izinsimbi eziyigugu
Uma kukhona noma yiluphi uhlobo lwamanani esiphephelo abonwa ngezici zawo, awekho amanye ngaphandle kwe- izinsimbi eziyigugu: igolide, isiliva, i-platinum ne-palladium. Abanye kuzoba lula ukubhalisela, kanti kwabanye ukuthatha izikhundla kuzoba inqubo eyinkimbinkimbi impela, futhi kwesinye isikhathi kuze kukhawulelwe eminikelweni emikhulu noma emalini evela enhlanhleni enkulu. Yinkinga kuphela ongaba nayo uma uhlose ukuvula izikhundla kunoma iyiphi yalezi zimpahla zezimali ezinsukwini ezimbalwa ezizayo.
Ngaphakathi kwezinsimbi eziyigugu, yigolide ngqo eligcwalisa le njongo. Akumangalisi ukuthi ngaso sonke isikhathi lapho izimakethe zamasheya zikhombisa ukuthambekela kwesikhathi eside ukwehla, insimbi ephuzi ikhombisa ukuvela okuhle kakhulu, ngokubuyekezwa okubalulekile. Ngokwengxenye yilokhu okwenzeka kulo nyaka Okwamanje, ithoni yokuqina yale nsimbi iphikisana nokuziphatha okubi kwezimakethe zamasheya zomhlaba wonke.
Kulezi zimo, ukutshala imali kuzinsimbi zegolide kungakhiqiza inzuzo enkulu yemali, futhi kunoma yisiphi isimo ngaphezu kwaleso esilindelekile. Kuzoba ngenye yamanani esiphephelo lapho kufanele uvule khona izikhundla uma ungafuni ukungathandi okungaphezu kokukodwa kwezinye izimpahla zezezimali. Eqinisweni, njengamanje igolide lingenye yezinketho ezimbalwa okufanele uqede unyaka ngezinzuzo. Ngokubuyekezwa konyaka ngaphezulu kwe-30%.
Ezinye izinsimbi eziyigugu, ikakhulukazi isiliva, nazo hlinzeka ngozinzo olukhulu kunani labo lesilinganiso kuzimo ezingezinhle kakhulu. Yize unama-nuances athile okufanele wazi ngaphambi kokungena ezimakethe zawo. Abaqoqeli ukubuya kwemali esetshenzisiwe kalula. Ngaphandle kokumiswa ngokucacile njengenani lesiphephelo njengomfowabo omdala, insimbi ephuzi. Futhi maqondana nezinye izinsimbi eziyigugu, izehlakalo zayo zingaphansi impela.
Umbuso weSolvency Bonds
Enye indlela enhle kakhulu yokwakha ukuphepha okuyisiphephelo ezikhathini ezimbi kakhulu zezimali zamazwe omhlaba izibopho ezithile ezizimele. Ngokukhethekile iJalimane neNyakatho Melika. Izizathu zicace bha kubo bonke abatshalizimali. Azikho ezinye ngaphandle kokuxazululwa kweminotho yazo. Kufike ezingeni lokuzenza zibaluleke kunoma iyiphi iphothifoliyo yokutshala imali ngezikhathi zokungaqiniseki okukhulu.
Kulezi zimo ezinzima, kunezinkulungwane nezinkulungwane zabasindisi ababheke kule mikhiqizo yezezimali uvikele iminikelo yakho yezezimali. Ngisho nokufuna ukusebenza okungaqagelwa ezikhathini ezimbi kakhulu zomnotho wamazwe omhlaba. Kuyindlela ethile yokuzivikela okufanele uyicabangele uma kwenzeka lesi simo. Ngokuqinisekile kuzokusiza kakhulu ukugcina inhlokodolobha yakho.
Esinye isici sezehlakalo ezikhethekile ukuthi kwenziwa kanjani amabhondi amakhulu. Yebo, indlela elula nehluke kakhulu yenziwe ibe semthethweni ngezimali zokutshala imali ezisuselwa kumholo ohleliwe, futhi ikakhulukazi kusuka kulawa mazwe. Zingahlanganiswa nezinye izimpahla zokulingana ukuzama ukukhulisa imbuyiselo yokutshalwa kwezimali.
Akufanele ikhohlakale ukuthi ezimweni ezingezinhle neze emnothweni, abatshalizimali abaningi badlulisela imali abayongele imali yabo kule mikhiqizo yezezimali. Ngenye yezinsimbi ezimbalwa lapho bangenza khona iminikelo yabo yemali izuze. Okuyinkimbinkimbi kakhulu ukuthi uzozihambisa kanjani izimfuno zabo, nokuthi yiziphi izinhlobo zokutshala imali.
Ezinye izimpahla ezihlukile
Ngisho nasezikhathini ezimbi kakhulu kuhlale kunamathuba ebhizinisi. Lesi yisisho esisetshenziswa ngabatshalizimali abanolwazi oluningi ezimakethe. Futhi ngezinga elikhulu baqinisile, yize kumele batholwe ngaso sonke isikhathi. Ngenzuzo ebalulekile yokuthi bangakwazi ukukhiqiza imbuyiselo ephakeme kakhulu kunaleyo etholakala emholweni ohleliwe. Noma kunjalo eyenzelwe abasebenzisi abanolaka kakhulu emakethe yezimali.
Okunye okuthakazelisa kakhulu kungaba ukuthi kuhlose ukuthatha izikhundla kukaphethiloli kawoyela nakwamanye amandla. Kuncike ekutheni izimakethe zabo zinokuthambekela okuhle kokuvula izikhundla ezimfushane. Nokho, kuyadingeka ukuhlinzeka ngokufunda ukusebenza ezimakethe zabo, ngoba kunzima kakhulu kunezinye izimpahla zezezimali.
Kungaba elinye lamanani esiphephelo ngokusebenza kahle nganoma yisiphi isikhathi. Inkinga ivela ngokungabi bikho kweziphakamiso ngokusebenzisa izimali zaseSpain. Ngeke ube nokhetho ngaphandle iya kwezinye izindawo zomhlaba wonke uma ufuna ukuhweba ngegolide elimnyama. Ikakhulukazi leyo ese-United States, lapho ngokuqinisekile uzoba nezinketho ezingapheli ezizokwanelisa lesi sidingo esikhethekile osithuthukisile.
Imakethe ye izinto zokusetshenziswa Kungaba enye indlela yamacala akhethekile otshalomali lwakho. Yize ungeke ube nokunye ongakwenza ngaphandle kokuya kwizimali ezidayiswa ngokushintshana ukuze ufeze izifiso zakho. Akumangalisi ukuthi kungumkhiqizo wezezimali oneluleka kakhulu ukuthatha izikhundla kunoma iyiphi yalezi zimpahla zezimali. Ngokwethulwa kwamakhomishini ancintisana kakhulu maqondana nokuthengwa nokuthengiswa kwamasheya ezimakethe zendabuko zamasheya.
Yini abayinikezayo?
Lezi zimpahla zezezimali zikhiqiza uchungechunge lwezinzuzo ezingakusiza wenze imali enenzuzo ngomzuzwana wempilo yakho. Ngokusebenzisa izici zabo ezikhethekile bazokuvumela ukuthi ugweme izikhathi ze- ukwanda kokungazinzi ezimakethe ezehlukene zezezimali: izimali, ukuhwebelana kwamasheya, amabhondi, njll. Kuzonconywa kakhulu ukuthi wazi ukuthi lolu hlobo lotshalo-mali olungajwayelekile lukulethelani.
- Ziyizimakethe noma izibambiso yamukela kakhudlwana ezikhathini ezingezinhle kangako ngokutshalwa kwemali jikelele. Futhi nokuthi bangakhiqiza isivuno ngaphezu kokujwayelekile.
- Lezi izimpahla ezejwayelekile zezimali ekusebenzeni kwakho, futhi kungenzeka ukuthi awuzange usebenze nazo. Ingabe yena ingozi eyandayo okuzofanela ubhekane nayo uma ufuna ukuvula izikhundla kusuka manje.
- Esiteji kuphela okungekuhle kakhulu Uzoba nesifiso sokutshala imali oyilondolozile kulezi zimpahla, ngoba ngokuvamile aziyona ingxenye yephothifoliyo yakho yokutshala imali. Kuwukutshalwa kwezimali okukhethekile.
- Awufuni ukutshala imali eningi kule mikhiqizo yezezimali, kodwa kuphela ingxenye encane yezimpahla zakho. Akumangalisi ukuthi kunezingozi eziningi ezihilelekile ekusebenzeni kwayo.
- Badinga i- abanye befunda ngoba zihamba ngaphansi kwemingcele ehlukile kukhotheshini yamanani azo. Yinto okufanele uyicabangele njalo lapho uzobhekana nanoma yikuphi ukusebenza ngalezi zinhlobo zokutshala imali.
- Njengegama labo, zingamanani anikeza indawo yokukhosela ku-capital in izikhathi ezingazinzile kakhulu, hhayi emnothweni kuphela, kepha nasezimweni zempi, ukuhlaselwa, ukungaqiniseki kwezepolitiki, kanye nasezikhathini ezinzima.
- Imvamisa kuyizinketho zokutshala imali kusebenza kuphela kulezi zimo ichazwe kahle. Futhi ukuthi ngaphansi kwezimo ezijwayelekile abemukeli izidingo zabatshalizimali abancane nabaphakathi.
Izindinganiso zokuziphatha
Ukusebenza nalezi zimpahla zezimali ezisebenza njengesiphephelo kuzimo ezithile, ngeke kube khona okunye ongakwenza ngaphandle kokungenisa uchungechunge lwezenzo. Bazokuvumela ukuthi uthole izinzuzo ezingcono ekusebenzeni, nokuthi ungathola inzuzo ethize ngokuhamba okuvulekile kulawa manani. Lokhu kuzoba eminye yale mihlahlandlela ekusebenzeni kwakho.
- Zama ukubeka imali yakho endaweni ephephile, kodwa ukuthi basebenzise kanjalo, futhi ikhombisa ukuziphendukela kwemvelo ngokuya ngokulindela kwakho njengomsindisi.
- Ungathola izimpahla ezithile zezimali ezivame ukuthatha isikhundla esikahle kunenkinga encane ezimakethe ezinkulu zezezimali. Ukunikeza a ukubuya okuhle kulezi zimo.
- Okwamanje ngokuqaphela okuthile ukuthi ukunyakaza kwayo kubuswa ngokuguquguquka okuphezulu. Ngokushesha nje lapho bekhuphuka ngamanani abo, ngemuva kwezinsuku ezimbalwa bayehla. Kufanele wazi ukuthi ungasebenza kanjani nalezi zinhlobo zamanani.
- Kwezinye izimo, izimali zenziwa ngemikhiqizo yezimali esezingeni eliphezulu kakhulu. Bangakusiza ukuthi uthole imali eningi, kodwa futhi nokulahlekelwa yizikhathi ezimbalwa zokuhweba.
- Ungakhathazeki kakhulu mayelana amakhomishini akho noma izindleko kubaphathi bakho. Zikulayini owodwa nokuthengwa nokuthengiswa okujwayelekile kwamasheya emakethe yamasheya. Kuzoba ngenye yezinzuzo ezinikezwa yilezi zinhlobo zokutshala imali.
- Azikaze zisebenze njenge kuhambisana nokutshalwa kwemali kwendabuko. Kepha kufanele uthathe lezi zimpahla zezimali ngamacala ahlukile kakhulu, futhi unciphise kakhulu isikhathi sazo.
- Ukuqinisekisa kangcono amathuba akho, kuzokwelulekwa ngempela lokho uchwepheshe kulezi zimakethe zezimali ukuphatha utshalomali lwakho, futhi uze ukwazi ukuphakamisa izindlela ezinhle kakhulu zokonga imali yakho ezikhathini ezinzima kakhulu.