Ungayakha kanjani iphothifoliyo yesikhwama sokutshala imali?

izimali Uma kunomkhiqizo oqoqa ukonga kwabatshalizimali, awukho omunye ngaphandle kwezimali zokutshala imali. Ngoba ikunikeza izindlela eziningi zokuhambisa amasu okwenza ukonga kube nenzuzo. Kokubili kusuka kuzindlela ezivela kumasheya kanye nemali engenayo engaguquki. Kepha ngaphandle kokukhohlwa ezinye izinhlobo ezinjengezezimali, okunye okunye noma kuxhunyaniswe nezinto zokusetshenziswa noma izinsimbi eziyigugu. Cishe konke izimpahla zezimali ongakucabanga. Ngisho nokwangempela nokuqamba okwenziwe ngabaphathi.

Izimali zotshalo-mali zikuvumela ukuba uthuthukise imbuyiselo oyinikezwa yimikhiqizo ehlukahlukene yasebhange ngalesi sikhathi (idiphozi yethemu, amanothi ezethembiso noma izikweletu zombuso). Njengamanje bakunikeza cishe u-1% kuphela, into izimali ezingadlula. Noma kunjalo nezingozi eziphakeme ngoba inzuzo ayiqinisekisiwe. Esikhundleni salokho, engxenyeni enkulu yamacala bazoncika ekuguqukeni kwezimakethe zezezimali. Ngokushintshanisa, ungakhetha amamodeli wokutshala imali ahlukile ngokuya ngephrofayili oyivezayo njengesilondolozi.

Kepha ukuze iziphakamiso zakho zisebenze kuzofanele ukhethe imali elinganiselayo. Kuphi ukwehlukahlukana kunqoba ngaphezu kwamanye amasu. Ngale ndlela, akufanele udlulisele yonke imali oyongele esikhwameni esisodwa. Ngoba imiphumela ingalimaza izintshisekelo zakho. Ukuthi ungathola ukumangala okungaphezu kokukodwa ngalesi sigaba sokutshala imali. Kunoma ikuphi, ungafaka ezinye izinhlelo ukuze utshalomali lwakho lukhule kahle. Futhi kungakapheli iminyaka embalwa uzobe usethubeni lokujabulela ukubuyiselwa okutholwe enhlokodolobha yakho oyitshalile.

Izimali zokutshala imali kumholo ohleliwe

Uma ufuna ukwenza iphothifoliyo elinganiselayo futhi ephephe ngokwedlulele, akukho okunye ongakwenza ngaphandle kokufaka izimpahla zezimali eziholwayo ezihleliwe. Ngokwesilinganiso osibona kufaneleke kakhulu ngokuya ngezifiso zakho. Isiphakamiso esiwusizo kakhulu ukukhetha amabhondi aphephe kakhulu, njenge kusuka eJalimane nase-United States. Lelisu lizohlinzeka ngokuvikeleka okwengeziwe kuphothifoliyo yakho yesikhwama sokutshala imali. Ngaphezu kwalokho, kuzoba ngenye yezindlela ezisebenza kahle kakhulu zokuzivikela ezimeni ezingezinhle neze ezimakethe zezimali. Noma uthola izinzuzo kokulondoloziwe, noma ngabe lokhu kukuncane.

Kunoma ikuphi, uma okulindelwe kunolaka kakhulu, uhlala unethuba lokukhetha i- izibopho zomngcele. Kusuka emazweni afana nePortugal, i-Italy, iGrisi noma iSpain uqobo. Ngesizathu esilula kakhulu sokuqonda futhi lokho ukuthi amandla ayo wokubuyekeza makhulu kakhulu kuneminye imikhiqizo yalezi zici. Yize kuyiqiniso futhi ukuthi ubungozi obuthatha ngokuqasha kwakho bukhulu. Kodwa-ke, ungakhetha leli su ngaphansi kwengxenye encane yeminikelo yakho yezezimali.

Isikhwama sihlala sisezimalini

Noma ngabe isu lakho lokutshala imali, izimpahla zezezimali ezivela ezimakethe zezimali akufanele zishode. Kuyindlela ecacile yokuthatha lokho kweqa ofuna ukuthuthukisa izintshisekelo. Yize, ngokuphambene nalokho, kungadala ukuthi ibhalansi unyaka nonyaka ibe yimbi kakhulu kunokujwayelekile. Kepha ngenzuzo ongayenza ngendlela ehlukahlukene. Lokho wukuthi, ngaphandle kwesidingo sokufaka yonke imali yakho kunani lemakethe elilodwa. Unezimali zokutshala izimali zazo zonke izici, kusukela kokuvikela kakhulu noma okunamandla kokuya kulabo abanephrofayili enolaka. Ngenye yezinzuzo ezinikezwa yileli banga lemikhiqizo yezimali njengezimali zokutshala imali.

Ngaleli qhinga ungakwazi hlanganisa amasheya ezimali, imikhakha nama-indices. Kokubili ezimakethe zikazwelonke nangaphandle kwemingcele yethu. Akukho ukulinganiselwa kumamodeli izinkampani zabaphathi ebezikhula. Lapho unokunikezwa okubanzi ongakhetha kukho kusuka manje. Ukuthi ungayixuba nezinye izimpahla zezezimali zazo zonke izitayela nemvelo. Ukuze ngale ndlela, ukulahleka okungenzeka ukuthi ungakuthola ngokubhaliselwe okulinganiselwe kakhulu kwezimali zokutshala imali kuyalungiswa.

Hlanganisa womabili amamodeli wokutshala imali

Kunoma ikuphi, ungakhetha futhi imodeli ephakathi nendawo lokho cabanga ngakho konke ukuzwela. Yizinto okuthiwa yimali exubile futhi zimelwe ngaphansi kwamaphesenti avuma wonke amathuba. Yebo, le modeli kufanele ibekhona kuphothifoliyo yakho elandelayo yokutshala imali. Okungenani kuzodingeka unikele ngengxenye yokonga kwakho kule ndlela ehlanganisiwe. Kungumkhiqizo izinkampani zabaphathi ezinikela izinsiza eziningi ngokwengeziwe. Akumangalisi ukuthi unokuningi ongakhetha kukho futhi ngeke ube nenkinga yokuhlangabezana nezidingo zakho zokutshala imali.

Lesi sigaba sezimali zokutshala imali singafaka nezinye izimpahla zezezimali ezinokubaluleka okukhethekile. Isibonelo, izinketho zemali noma ezinye izindlela zokutshala imali. Elinye isu onalo njengamanje lokuvikela iminikelo yezomnotho ezimweni ezinzima kakhulu zomnotho. Uzoba nokuzivikela okukhulu kulezi zinhlobo zezimo ongazifisi kangako kubo bonke abasindisi. Ngakho-ke, kungenye inketho okungafanele ukuthi ishode lapho kwenziwa iphothifoliyo yale mikhiqizo yezezimali. Ngenhloso enkulu yokwandisa ibhalansi ye-akhawunti yakho yokubheka noma yokonga.

Okwezimali, inketho ephephe kunazo zonke

imaliFuthi akufanele ilahleke kunoma iyiphi iphothifoliyo, ikakhulukazi leyo yamaphrofayili wokuzivikela kakhulu. Ngoba zizinzile kakhulu futhi azikhombisi neze umehluko obaluleke ngokukhethekile. Okusho ukuthi, izinzuzo uma zinikezwa zincane. Yize ukubuya kunzima kakhulu ukuba behlise inani, noma ngabe isimo esivamile singemibi kakhulu. Lesi ngesinye sezizathu esiholela ekutheni unikele ngengxenye yokonga kwakho kulezi zinhlobo zokuphatha. Umphumela wayo ufana nokuthi unemali engenamandla. Lokho wukuthi, awunqobi noma wehliswe ngezikhundla zabo.

Kunoma ikuphi, kuyinketho efaneleke kakhulu ngezikhathi zenhlekelele yezomnotho. Lapho ukuwa kwezimakethe zezimali kwenziwa khona jikelele. Ngoba inikeza ukuzinza okuningi kunezinye izimali zokutshala imali. Ukuba yisikhundla esiwusizo kakhulu ezikhathini ezithile futhi hhayi obukhulu ngokweqile esikhathini sabo. Kunoma ikuphi, futhi kuwumkhiqizo ofanele kakhulu ukwenza ukudluliswa okuvela kwizimali zokutshala imali ezihleliwe futhi ikakhulukazi eziguqukayo. Kokubili ekuqondeni nakokunye. Ngoba ziyahlukahluka ukuthuthukisa lolu hlobo lwezenzo ezihlose ukugcina izintshisekelo zakho njengomtshalizimali omncane naphakathi.

Izimali ezihlukile: indlela yesithathu

Kuzo zonke izimo, ungakhetha imodeli yesithathu esuka kuzimali zendabuko zokutshala imali. Ngezindlela ezingafani njengoba kunjalo khetha ukungazinzi noma izinsimbi eziyigugu ezifanele kakhulu. Kepha ukuze leli qhinga likhule ngempumelelo kuzofanela ukwenze ngaphansi kwamathrendi aphezulu. Ukuze ngale ndlela, usesimweni esingcono sokusebenzisa lesi simo esivamile. Kungaba nemiphumela ezuzisa kakhulu ezikhathini ezinzima kakhulu zomnotho. Yize lesi sigaba semikhiqizo kungafanele sibhaliswe ngaphansi kwemali engabizi kakhulu. Kepha kunalokho, kunqunyelwe futhi kulawulwa maqondana nezikhathi zaphakade.

Le modeli yokonga yinto ejwayelekile kunazo zonke futhi isetshenziswa ngezikhathi ezithile. Ngakolunye uhlangothi, aziwa ngabatshalizimali abancane nabaphakathi. Kuze kube seqophelweni lokuthi zingenye zezimali ezingaziwa kakhulu ngabasebenzisi. Lapho kuyiqiniso impela ukuthi okuhlinzekwa ngabaphathi akugcini ngokweqile, ngobuningi babo naseziphakamisweni ezenziwe. Ngalo mqondo, kubalulekile ukuthi wazi ukwakheka kwawo ukugwema izimo ezingaphezu kwesisodwa ezingathandeki zezintshisekelo zakho.

Nciphisa ukulahleka okungaba khona

ukulahleka Njengoba kungenzeka ubone, unemibono engaphezu kweyodwa yokuba nephothifoliyo yesikhwama sokutshala imali elinganiselayo. Kusuka ezindleleni ezihluke ngokuphelele nokuthi zibhekiswe kuzo zonke izinhlobo zabatshalizimali abancane nabaphakathi. Lapho uzoba nesinqumo sokugcina kuphela wena nokuthi yini oyifunayo ebudlelwaneni bakho nezwe lemali elihlale liyinkimbinkimbi. Naphezu kwakho konke, esinye sezihluthulelo zokufeza izinhloso zakho sizoba sendleleni ebanzi yokonga.

Futhi njengesiphakamiso sokugcina, kuhlala kunesisetshenziswa lapho le mikhiqizo ingaba khona hlanganisa namamodeli asebhange endabuko. Njengesibonelo, ngama-akhawunti wemali ephezulu noma imali yesikhathi. Kusuka ezikhundleni ezikhiqiza ukubuya okungaguquguquki nokuqinisekisiwe minyaka yonke. Yize lokhu kuncane futhi kunamamaki wokulamula alinganiselwe ngempela. Kepha ukuthi uzokwazi ukunxephezela ngokulahleka okungenzeka ungakuthola kutshalo-mali olumsulwa nolulula. Ukuze ngale ndlela, ukulahlekelwa kwemali kungabi kukhulu njengoba ubucabanga ekuqaleni.

Ngoba iphuzu ukuthi imali yakho ayinakho ukwehla okuphawulekayo. Ikakhulu ngezikhathi ezinzima kakhulu ezimakethe zezezimali. Izikhathi lapho ubheka khona isimo sokutshala kwakho imali futhi kuyadingeka ukwenza ukudluliswa okungajwayelekile phakathi kwezimali ezikhethiwe zokutshala imali. Noma ngabe injani.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

*

*

  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.