Ukuphepha kungenye yamagugu adingeka kakhulu kubatshalizimali abancane nabaphakathi. Ukuzama ukuqinisekisa ukonga kwakho futhi thola ukubuya kokusebenza. Kodwa-ke, ukuphepha kwizimali kunzima kakhulu ukukufeza ngenxa yemisebenzi ekhethekile. izici kulezi zimakethe zezimali. Ngeke ukhohlwe ukuthi izinhlobo ezahlukahlukene zokutshala imali aziqinisekisi noma iyiphi imbuyiselo. Ngokungafani nokwenzeka emikhiqizweni yemali engenayo engaguquki ekhiqiza inzalo kusukela ekuqaleni.
Kusukela manje kuqhubeke, enye yezinjongo zakho eziyinhloko kuzoba ukungenisa ukuphepha okukhulu kuyo yonke imisebenzi ozoyenza kusukela manje kuqhubeke. Kuzo zonke izimo, kuzodinga ukwanda kokuziphatha kokusebenza ngisho isu lokushintsha ekutshalweni kwezimali. Ukuze ngale ndlela, usesimweni esingcono sokuvikela imali oyongele ngendlela ephumelela kakhudlwana. Ngaphandle kokungazinaki izinzuzo ongazithola kuyo yonke imisebenzi yakho.
Kunoma ikuphi, ukuphepha kokusebenza ezimakethe zezezimali kuzovama kakhulu uma izindlela zakho zokutshala imali zisondela kakhulu ekulondolozeni noma ekuzivikeleni. Kuphi ngaphandle kokungabaza ukuphepha kuzobusa ngaphezu kwezinye izenzo. Kuyisici esihle kangangoba kuzokusiza futhi ukuthi uvikele ukonga kwakho ngendlela ewusizo kakhulu. Ukukhuthaza ukuthi ekugcineni ukulahlekelwa yikhona okuncane okungenzeka. Ukuze lo msebenzi ube ngokoqobo, akukho okungcono kunezeluleko ezilula ongazisebenzisa kusukela manje kuqhubeke.
Ukuphepha Komkhiqizo Okwaziwayo
Ayikho indlela engcono yokuhlinzeka ngokuvikeleka okukhulu kunokutshala imali oyongele kumikhiqizo yezimali ojwayele ukusebenza ngayo. Phakathi kwezinye izizathu ngoba uzokwazi ukuthi imishini yayo iyini kanye nobungozi obubandakanya bona ngaso sonke isikhathi. Ngaphezu kwalokho, uzoba nethuba elikhulu lokungena nokuphuma ezimakethe ngokwazi ukuthi lezi zimpahla zezezimali ziziphatha kanjani. Ngokungafani nolunye uchungechunge lwemikhiqizo ongazi nokuthi iziphi izindlela abaziphethe ngayo. Kuphi kuzoba lula kakhulu kuwe ukwenza iphutha ezinqumweni ezenziwe kusukela manje.
Akuyona imfihlo ukuthi ukuhweba ngemikhiqizo ethandwa kakhulu kuzokusiza ukwandise ukusebenza. Uma ungasafuni ezinye izimanga kusukela manje ngeke usakwazi ukuzikhethela ngaphandle kokuthi gxila kumamodeli wokutshala imali owaziwayo. Gcina izivivinyo zezinye izikhathi ezivumelana nezintshisekelo zakho. Ngoba lokho okuphathelene nakho ukuthola ibhalansi ye-akhawunti yakho yokuhlola ukuze ikhule unyaka nonyaka. Ngaphandle kokuzama ukushesha ukusebenza nganoma yisiphi isikhathi.
Ukhiye wesibili: chaza izikhathi zokugcina
Kuzobaluleke impela ukuthi ube nezinhloso ezichazwe kahle maqondana nezikhathi zaphakade zokusebenza kwakho kwe-equity. Lelisu lizokusiza ukuthengisa okubi kuyehla ngenxa yezidingo zakho zempahla. Imvamisa ukubhekana nezindleko ezingalindelekile futhi lokho kungaholela ekulahlekelweni yimali eningi emsebenzini ngamunye. Akukhathalekile ukuthi mfushane, uphakathi noma mude kwazise into ebalulekile ukuthi ucace ngalezi zikhathi.
Uma usebenzisa le ndlela akukho kungabaza ukuthi uzoba nokuphepha okwengeziwe ekuvikeleni imali oyongile. Ngakolunye uhlangothi, kuya ngokuhlukahluka okubalulekile uzoba namanani afaneleka ngokwengeziwe kulesi sici ekutshalweni kwemali. Ngoba empeleni, kuneziphakamiso ezithile emakethe yamasheya ezingasiza kakhulu ezinkathini ezimfushane futhi ezinye zibe zinde. Ungenzi iphutha elibi lokudida ukukhethwa kwesitoko sakho ngokuya ngokuthi kuzodingeka ulinde isikhathi esingakanani.
Ukhiye wesithathu: ungatshali konke
Elinye lamasu asebenziseka kakhulu kuzoba ukutshala ingxenye yemali oyongile etholakalayo yalolu hlobo lokusebenza ezimakethe zezimali. Ngale ndlela, uzoba kunciphisa ukulahleka okungaba khona lokho kungakhiqizwa kusuka kule misebenzi. Uma kungu-40% wale mali, kuzoba ngaphezu kokwanele ukuqinisekisa zonke izinhlobo zokuhamba ezimakethe zezimali. Ngaphezu kwalokho, kuzoba wusizo olukhulu ukugcina ukwedlula imali ethe xaxa ku-akhawunti yakho yokuhlola.
Vele, eminye iminikelo yaleli su ukuthi izokuvumela ukuthi usebenze kuyo funa amathuba ebhizinisi ezikhiqizwa njalo kulezi zimakethe zezimali. Lapho udinga khona kuphela ukulinda isikhathi esizayo futhi kungathatha izinyanga ezimbalwa noma ngisho neminyaka ukuthi lezi zimo zenzeke. Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi uzohlala uzolile kulesi simo. Ngoba uzoba nenkinga encane ukukhokha izikweletu zasekhaya, isikole sezingane noma ukumane uhlangabezane nezibopho zakho zentela.
Ukhiye wesine: bamba umzuzu
Akufanele utshale imali ngaso sonke isikhathi, kude nayo. Kepha kunalokho, kufanele ugxile ezikhathini ezizuzisa kakhulu ezimakethe zezezimali. Ngokwesibonelo, kuma-uptrends uma imodeli yotshalo-mali ekhethiwe iyimakethe yamasheya. Umehluko wokwenza umsebenzi kusuka kwesinye isimo uye kwesinye ungabonakala kakhulu. Kufana nokwenza ucabange kusukela manje kuqhubeke. Akumangalisi ukuthi awuphoqelekile ukuthi utshale imali oyongele kuzo zonke izimo. Ngokuphambene nalokho, kufanele ukhethe lapho usesha amathuba.
Ngale ndlela, kumathrendi we-bullish kuzodingeka ukuthi uthambekele kakhulu kunase-bearish noma ekuhambeni kwesikhathi. Ngalo mqondo, kuzoba wusizo olukhulu ukuhlaziya ukuthi isimo samanje sezimakethe zezimali siyini. Ukuthi uthole ukuthi yini engazwela kakhulu ukuthola iminikelo yakho yezezimali. Akunandaba ukuthi yiziphi izinhloso zakho ezithile ngaso sonke isikhathi. Kufanele ufunde kusuka manje kuqhubeke ukuthi umzuzu ngamunye udinga izindlela ezahlukahlukene ohlangothini lwakho.
Ukhiye wesihlanu: hlala kude nobuthi
Uma ufuna ukuqinisa ukuphepha kwemali oyitshalile, uzophoqeleka ukuba ubalekele noma yiluphi uhlobo lwemikhiqizo enobuthi. Akudingekile ukuthi ubudlelwano bakho nezwe lemali ligcinwe. Ngakolunye uhlangothi, kuyindlela eyingozi kakhulu yokukushiyela ama-euro amaningi endleleni. Ikakhulukazi, uma ungenayo isiko lezezimali ngokusebenza nalezi zakhiwo eziyingozi ukuvikela izintshisekelo zakho. Hhayi ngeze, i-equation esungulwe phakathi kwengozi nokubuyela ekusebenzeni ayinenzuzo.
Futhi imikhiqizo enobuthi ingakudalela inkinga engaphezu kweyodwa ngesikhathi esifunekayo. Cabanga ukuthi uzoba nokwanele ngokusebenza kwakho ezimakethe ezijwayelekile zokulingana. Isibonelo, ngokuthengwa nokuthengiswa kwamasheya emakethe yamasheya noma nge- izimali zokutshala izimali. Lapho ungeke ube nesiqinisekiso maqondana nezinga lenzalo imisebenzi ezobikwa ngalo. Lokho ngeke kuqinisekiswe yinoma yimuphi umkhiqizo we-equity, ngisho nomuntu olondoloza kakhulu.
Ukhiye wesithupha: hlanganisa nezimpahla eziningi
Ngenye yezindlela zokuhlinzeka ngokuvikeleka okuningi kokulondolozwa kwakho kwempilo. Kuqukethe ukuxuba ukonga nezinye izimpahla zezezimali kusuka kumholo ohleliwe. Ngalesi senzo uzofinyelela ukuthi izingozi zincishiswe kakhulu. Ukuze kukuvikele ezimeni ezingathandeki kangako ezimakethe zokulingana. Uzonciphisa ukulahleka kwesinye isikhathi okuyingozi kakhulu ezithakazelweni zakho njengomtshali-zimali omncane naphakathi. Noma kwesinye isikhathi noma kwenye uzobe usezimweni zokuzuza kwemali.
Awukwazi ukukhohlwa ukuthi lokhu kusebenza kotshalo-mali kuzokunikeza imbuyiselo encane engxenyeni yeminikelo yakho yezezimali. Ukuphikisana nemiphumela emibi yezintengo ezimaka izimakethe zezezimali. Umgomo okufanele uwuphishekele lungisa ibhalansi yalezi zimali ezimbili. Enye yezikhiye zokufeza lokhu isuselwa ekunikeleni imali ethe xaxa kusu linye noma kwelinye, kuya ngephrofayili oyivezayo njengomtshalizimali othengisa. Okuthile okungekho lula isikhathi esiningi. Ngisho noma unolwazi olunzulu kulolu hlobo lokusebenza.
Ukhiye wesikhombisa: ake uzokwelulekwa
Ukusebenzisa noma ukudinga izinsizakalo zochwepheshe bemakethe yezimali kungumbono omuhle ongakunika ukuphepha okukhulu ekusebenzeni kwakho okuningi. Bazokwazi ngaso sonke isikhathi ukuthi yiziphi izimpahla eziyimali okufanele utshale imali yakho kuzo. Ngokusebenzisa i- ukuphathwa okusebenzayo okuzosuselwa ekusebenziseni ngokunenzuzo zonke izimo ezikhiqizwa ezimakethe ezehlukene zezezimali, ngokunengqondo kubandakanya imakethe yamasheya. Ungayiqasha le nsizakalo ebhange lakho elijwayelekile ngokuhlaziya kwayo neminyango yokuphathwa kwemali.
Ngakolunye uhlangothi, bazokunikeza umbono ongaphezulu kwalowo obungeke ukwazi ukufinyelela uwedwa. Ngaphezu kokuba nguphathi osebenzayo, kuzophinde kube nokuguquguquka. Ngokuyisisekelo ngoba kuzoba njalo ivumelaniswe nezinhlobo ezahlukahlukene zokutshalwa kwemali. Hhayi kuphela esikhwameni, kodwa kusuka kumikhiqizo elindelwe okungenani engxenyeni yakho. Lezi zingcweti zizozama ukwenza ngcono ukubuyiselwa kwakho, kepha ngaphezu kwakho konke kusuka esimweni sokuvikelwa ngaphezulu kwempahla enikelwe. Lokhu yilokho okubizwa ngokuthi ukutshalwa kwezimali okudlulisiwe, futhi lokho kuvame ukusetshenziselwa imali enzima kakhulu.