Isiliva ngenye yezimpahla zezezimali ezikhethwa ngabatshalizimali abancane nabaphakathi abafuna ukutshala imali yabo izimo ezingezinhle kakhulu. Ukuthi iphuzu lokuthi imisebenzi yakho ingaba nenzuzo ngeziqinisekiso ezinkulu zempumelelo kunangemikhiqizo yezezimali. ezivamile. Ngamaphesenti angamangaza abagibeli abalondolozayo kakhulu. Kodwa-ke, inkinga enkulu yokukhetha lokhu kutshalwa kwezimali yindlela encane yokuphuma yokuthola izinketho zokuthatha izikhundla kule mpahla yezezimali.
Vele, uma inhloso yakho eseduze kakhulu ukutshala kule nsimbi eyigugu yokubaluleka okukhethekile, uzoba nakho kunzima kakhulu kunezinye iziphakamiso zezimali. Hhayi ngeze, cishe kuyinto engenakwenzeka yokutshala imali kusiliva ngesikhwama. Kokubili ezimakethe zikazwelonke nangaphandle kwemingcele yethu. Ngaphandle kokuthi ukhethe izinkampani ezisekela ibhizinisi lazo ezimayini ezinomkhiqizo wazo kule mpahla yezezimali.
Ngale ndlela yokutshala imali, kubaluleke kakhulu ukuthi wazi ukuthi into ebaluleke kakhulu ukuthi ube nezinye izindlela ongathatha ngazo izikhundla kule mpahla yezezimali ngendlela engajwayelekile. Kuze kube seqophelweni lokuthi uzoba nazo izindlela zangempela ezingaphezulu kokujwayele ukusebenza. Isibonelo, ngokusebenzisa ifayili lakhe le- ukuhlanganiswa neminye imikhiqizo evela emalini engenayo engaguquki. Noma ngokuthengwa nokuthengiswa kwamasheya ezinkampani zezimayini ezixhumene nokukhiqizwa noma ukukhishwa kwale nsimbi eyigugu.
Isiliva ngesikhwama
Enye yezimpahla zezezimali ebilokhu ithuthukisa ukusebenza okuhle ezinyangeni ezedlule isiliva. Kunabatshalizimali abaningi asebephendukile futhi ukunaka kwakho kule nsimbi eyigugu. Inkinga evelayo kuwe ukuthi ungalusebenzisa kanjani lolu hlobo lotshalo-mali. Akungabazeki ukuthi kuzodinga ukwelashwa okwehlukile kuwe. Kuzofanele ufune ezinye izimakethe, futhi kuze kube yilapho ushintsha kakhulu indlela osebenza ngayo. Kuzoba nzima kakhulu kepha ekugcineni ungathola umvuzo wakho ngendlela yokuzuza kwemali enkulu. Ngabe ufuna ukwazi ukuthi yiziphi izindlela okufanele uvule ngazo izikhundla kusiliva? Hlala ubukele ngoba sizophakamisa amasu athile awusizo kakhulu.
Ukutshala kule nsimbi eyigugu, ngeke ube nenye into ngaphandle kokushiya imingcele yethu uye ezimakethe lapho kubhalwe khona le mpahla yezezimali. Ikakhulu e-United States naseGreat Britain, yize kungaphansi kwamakhomishini athe xaxa. Uzoba nochungechunge lwezinkampani, hhayi eziningi, ezinikezelwe ekukhiqizweni nasekuhanjisweni kwale nto eluhlaza. Isu lakho lokutshala imali licishe lifane nakwezinye izibambiso, kepha linamathela ku-oda eliqinile lokulahleka kokuma.
Ngezimali zokutshala imali
Kuyindlela elula futhi esebenzayo kakhulu yokutshala imali kusiliva. Kuzofanele ubheke isikhwama kuphela lapho iphothifoliyo yokutshala imali isuselwa kule mpahla yezezimali. Ngokuqinisekile kuzohlanganiswa nolunye utshalomali. Kuqhamuka emholweni oguqukayo, imali engenayo engaguquki ngisho nangamanye amamodeli Ukwehlukaniswa kuzoba ngesinye sezici eziyinhloko zale mikhiqizo yezezimali. Ngale ndlela, kuzokusiza ngendlela ephumelela kakhulu ukuvikela ukonga kwakho.
Imikhiqizo eyinkimbinkimbi ngokwengeziwe
Unamamodeli anolaka amaningi anenye yezinhloso zawo esiliva. Zingaba yimali yokuhwebelana eshintshanayo, ama-waranti, okutholakele, njll. Kodwa-ke, ziyingozi kakhulu ezithakazelweni zakho ngenxa yomklamo wazo okhethekile. Ungathola imali eningi kuzo, kepha futhi ushiye ama-euro amaningi endleleni. Ngakolunye uhlangothi, kufanele ube nokufunda okuphezulu kule mikhiqizo ngoba ubungozi bokusebenza kwabo buphakeme kakhulu, ngaphezu kwamanye amamodeli wokutshala imali. Kepha kunoma yikuphi, kuvumeleke ngokuphelele ekulandeni ukunyakaza okunamandla kwale nsimbi eyigugu ehlukile.
Kodwa-ke, leli su lokutshala imali linezingozi ezeqile ekusebenzeni kwakho. Ngaphezu kwalokho ongakucabanga kusukela ekuqaleni. Ngoba empeleni kuyiqiniso ngokuphelele ukuthi ungenza ukonga kwakho kube nenzuzo ngamamaki enzuzo aphezulu. Kepha ngezizathu ezifanayo, uzokwazi ukushiya ama-euro amaningi ezimakethe zezezimali. Okungaphezu kwalokho ongakwazi ukukulawula kuleli klasi lokusebenza elikhetheke kakhulu.
Kulesi simo, kunemikhiqizo eminingi ekuvumela ukuthi uthathe izikhundla ngesiliva. Ngezindlela ezahlukahlukene nangezindlela ezahlukahlukene. Kepha okunye okuphathelene kakhulu yimikhiqizo. Ziyimikhiqizo ye- ingozi enkulu ukuthi kufanele wazi okuningi. Akumangazi-ke ukuthi iNational Securities Market Commission (CNMV) ixwayise ngobungozi bayo obukhulu nokuthi kufanele wazi ukuthi uyini umkhiqizo wezezimali ongena kuwo. Ngoba imiphumela ingaba yilokho ongakulindele ngempela.
Imikhiqizo exhunywe kumali engenayo engaguquki
Enye indlela elula yokutshala imali kule nsimbi eyigugu ngokusebenzisa isikhathi. Yebo, awudidekile, yize le ndlela yokuthatha izikhundla ibonakala imangaza kancane. Yebo, yimikhiqizo exhunywe nokuvela kwesiliva ezimakethe zezimali. Ngukuthi kunesipho esinamandla kakhulu esivela ezikhungweni zezezimali. Kuzodingeka uzikhawulele esenzweni seziphakamiso ezimbalwa ezithile futhi ezinqunyelwe ngokuqinisekile ongabhalisela kuzo kusukela manje.
Imishini yakhona ilula kakhulu ngoba isuselwa enzalweni okuqinisekiswayo ukukuqinisekisa. Kuzoba ngaphansi kwezimbuyiselo ezincane kakhulu futhi lokho ngeke zivame ukweqa amazinga we-0,50%. Yize imbuyiselo izobuyiselwa ekulondolozweni kwakho okuzolungiswa futhi kuqinisekiswe. Akunandaba ukuthi kwenzekani esiliva. Ukuze ngale ndlela, uhlale unomvuzo omncane ngeminikelo yakho yezezimali. Ngoba empeleni, akunasimo lapho uzolahlekelwa khona yimali. Hhayi neyuro eyodwa.
Enye ingxenye yotshalo-mali yileyo enesiliva njengebhentshimakhi yayo. Njengomphumela wentengo engayimaka ezimakethe. Uma uthola ukwazisa uzozuza kulo mkhuba. Umahluko omkhulu, inzuzo oyithola ekugcineni iyanda. Ngesikhwama esiphezulu lapho izinzuzo, ngokujwayelekile kubekwe ku-5%. Ukwehluleka ukwenza njalo, noma ngabe kwehla intengo, ngeke kuthinte isikhundla sakho. Lokho wukuthi, ngeke uhole lutho, kepha ngeke kukuthinte ukunciphisa inani lentela ebhaliselwe.
Izinzuzo zale misebenzi
Lokhu kutshalwa kwezimali okukhethekile, okusekelwe esiliva, kungakulethela izinzuzo eziningi. Kulula ukuthi ubacabangele kusukela manje uye phambili ukuze unqume ukuthi kulungile yini kuwe ukuvula izikhundla kweminye yemikhiqizo yezimali esiyibalile. Kunoma ikuphi, kuyindlela yokwenza inzuzo ehlukile futhi ehamba ngamanye amapharamitha kunokusebenza okuvamile. Ngochungechunge lwezinzuzo ezimelelwa yizenzo ezilandelayo.
- Ngenye yezindlela ongazisebenzisa zokuthuthukisa izikhundla zakho kufayela le- izimakethe ezingezinhle zezimali. Akumangalisi ukuthi le nsimbi ebalulekile eyigugu ibilokhu ibhekwa njengendawo ephephile iminyaka eminingi. Iminyaka. Ukuheha ukugeleza kwemali enkulu kulezi zimo.
- Isiliva liyimpahla yezezimali ekunika yona ingozi encane kunezinye. Kufinyelela ezingeni lokuthi inganikeza utshalomali lwakho ngokuzinza okukhulu kanye neziqinisekiso zokuphumelela. Njengakwezinye izinsimbi eziyigugu (igolide, i-platinum, i-palladium, njll.). Unokunikezwa okuhle kulezi zimpahla.
- Unezinketho ezilondolozayo zokuthatha izikhundla ngesiliva, ngaphandle kokuthinteka lapho uwe khona. Njengasesimweni esithile se- idiphozi. Lapho uzoba nesikhathi sokuhlala kuphela, kwesinye isikhathi isikhathi eside ngokweqile. Kungathatha iminyaka emibili noma emithathu.
- Kufanele wazi ukuthi ubhekene nenye ye izimpahla zezimali ezinamandla ngokwengeziwe izimakethe zokulingana. Akumangalisi ukuthi intengo yesiliva ishintshashintsha kakhulu futhi kungaba nezinguquko zomkhuba ngezikhathi ezithile. Ngomehluko ophawuleka kakhulu phakathi kwezintengo zayo eziphakeme nezincane.
- Kuyiqiniso ukuthi uma inhloso yakho ukutshala imali ekuthengeni nasekuthengiseni amasheya emakethe yamasheya, uzoba nenkinga kakhulu kunangeziphakamiso ezijwayelekile. Kufike ezingeni lapho kuzofanele uphendukele khona izinkampani zemayini axhumene nokukhiqizwa nokususwa kwale nsimbi eyigugu.
- Kusanikezwa le mikhiqizo ayibanzi kakhulu, kodwa okungenani unethuba lokutshala imali kulesi siphakamiso. Ngemizamo ethile ethize eyenziwe ngamabhange ukwanelisa izifiso zabatshalizimali abancane nabaphakathi. Njengoba kwenzeka kuwe.
- Akukhiqizi izinkinga ezeqile kuwe ukuthi utshale kule mpahla yezezimali futhi ungavula izikhundla ngemibono emincane yokuthi lemakethe yezimali ibhalwe kuphi. Igxila kakhulu ku- Izikwele zase-United States naseGreat Britain, lapho kungenye yezilinganiso zabatshalizimali abakhulu.
- Awukwazi ukukhohlwa ukuthi kungenye yezindlela ezinhle kakhulu zokutshala imali lapho izimakethe zamasheya zingaphansi kwesimo sokuwohloka komnotho. Futhi ngezikhathi ze ukungaqiniseki okukhulu kwezomnotho. Ngoba empeleni, baphendula kangcono kunezinye izimpahla ezisezingeni eliphakeme.
- Futhi ekugcineni, kufanele ukhumbule ukuthi isiliva lingazuza izinzuzo ezinkulu ku- ukuthambekela okuhle. Kufanele kube ngaleso sikhathi lapho kudingeka ukuvula izikhundla ngezindlela eziningi ezihlukile okufanele utshale ngazo kule nsimbi ekhethekile.