Njengakuyo yonke iminyaka, futhi, kuzoba khona amathuba amasha ebhizinisi ezimakethe zezimali. Yizindlela zokutshala imali ozozisebenzisa kusukela manje. Kwezinye izimo zizoba izindlela zokupheka zakudala ngempela, kepha kwezinye izimo zizovelela ubusha bazo nangendlela yokuqamba kwazo. Kuzo zonke izimo, zizomiswa njengezinye zezinsimbi ezintsha okuzodingeka ukuthi uzenzele imali oyongile. Ngaphezulu kwe- amasu okutshala imali yakudala ngokwengeziwe noma obujwayele ukusebenza ngayo.
Ezimweni eziningi, izimo ezinikezwe wena zivela ezimakethe zezimali. Kepha kwezinye izimo, akufanele ukhohlwe amathuba ezinye izinketho azokunikeza wona. Kuningi ongasizakala ngakho, yize kungabambalwa kuphela abazoba iziphakamiso ezinhle kakhulu zokutshala imali yakho kulo nyaka. Vele, ngeke ufinyelele kuziphakamiso ze- zihlobana nezwe lemali. Noma kunezinketho ezingaphezu kokuphikiswa kwezinye izikhathi.
Enye yezinjongo ngaleli qhinga eliyingqayizivele ukuthi amaphesenti ezimbuyiselo aphezulu kunalapho utshale imali yakho yendabuko. Ngesifiso ngisho nokuthi ngingakwazi finyelela amadijithi aphindwe kabili. Kuze kube seqophelweni lokuthi ungayenza ibe semthethweni kunoma yiluphi uhlobo lwesimo, noma ngabe kungathandeki neze kuzintshisekelo zakho. Ngakolunye uhlangothi kungenzeka ezimakethe zezimali. Ngokungabaza okuningi okuphakanyiswa emnothweni wamazwe omhlaba. Kusuka kuwo wonke ama-engeli nangemvelo ehlukahlukene.
Ezinye izindlela: izinto zokusetshenziswa
Ngaphandle kokungabaza, le mpahla yezezimali ingaba ngesinye sezimanga ezinhle ezinyangeni eziyishumi nambili ezizayo. Ngoba empeleni, amanani amaningi okudla okuyisisekelo angabiza kakhulu kusukela manje kuqhubeke. Ngisho empeleni sebevele bayayiqoqa kwikhotheshini yamanani abo. Ngokuthengiswa okubaluleke kangako njengekhofi, isoya, ukolweni, noma ushukela phakathi kokubaluleke kakhulu. Akumangalisi ukuthi zinamandla amakhulu wokubuyekeza. Ngenhla kwezinye izinhlobo zeziphakamiso zokutshalwa kwezimali.
Kunoma ikuphi, kufanele ukwenze kube semthethweni ngesikhathi esifanele. Ngeke bahlale bakunikeza isignali yokungena yokuvula izikhundla. Kepha-ke zizovela lapho ungazilindelanga. Kunoma ikuphi, kufanele babe njalo imisebenzi esheshayo futhi eguquguqukayo kakhulu ukuzivumelanisa namazinga wokufaka nawokukhipha. Njengecebo lokwandisa imisebenzi oyifunayo ezimakethe zezezimali. Bangakunika injabulo engaphezu kweyodwa kusukela manje. Ngaphandle kokucabanga amazinga athile engcuphe okufanele uwafunde.
Imikhiqizo yezezimali ebucayi kakhulu kulezi zinhlangano izimali ezidayiswa ngokushintshana. Ngoba ezinye zalezi zimali zifakiwe ngobukhona obukhulu. Ngokuphikisana nokusebenza emakethe yamasheya, umkhawulo wayo ubonakala kakhulu. Ukufika ezingeni lokuthi ungakhetha cishe noma iyiphi impahla yezezimali yalezi zici. Noma kungenzeka ukuthi ungakwazi hlukanisa utshalomali nezinye izimpahla zezezimali. Kokubili imali engenayo engaguquki neguqukayo. Kuzoba ngenye yezinzuzo le modeli yokutshala imali ezokulethela yona. Impela kuzoba ngale ndlela.
Ukutshala imali kwezinye izinsimbi eziyigugu
Le makethe izoba ngenye yezindlela ongazitshala. Kepha hhayi ngegolide lendabuko, kodwa ngezinye izimpahla zalezi zici. Ikakhulu, ukuthatha izikhundla ngesiliva, i-palladium noma i-platinum. Izinketho ezingaziwa kakhulu zabatshalizimali abancane nabaphakathi. Kepha ngesabelo semakethe esisebenza kahle kakhulu. Kunoma ikuphi, kufanele ubacabangele ukutshala imali okongiwe ezinyangeni ezimbalwa ezizayo. Noma njengokutshalwa kwemali okungeziwe noma okungeyona eyokuqala. Njenge-fulcrum yokunyakaza kwakho okuyinhloko.
Inkinga enkulu ozoba nayo kusukela manje ukuya lapho ungaya khona. Ngoba empeleni, azitholakali kuzo zonke izimakethe zezezimali. Phakathi kwazo imakethe yamasheya nengxenye enhle yemali engenayo eguqukayo kuyabonakala. Imikhiqizo yezezimali ebamba kahle lo mkhuba yile izimali ezihlanganyelanayo noma ama-ETFs. Noma yiziphi zazo zikunikeza ithuba lokungena kwezinye zalezi zinsimbi eziyigugu. Yize kunoma yiliphi kulawa macala, ngeke ube nokunye ongakwenza ngaphandle kokunikeza isiko elibanzi lezezimali. Noma ulwazi oluthe xaxa ekusebenzeni kwalezi zimpahla zezimali.
Lezi zinsimbi zivame ukwenza, ngakolunye uhlangothi, njengezindawo zokuphepha lapho kubhekene nezimo ezingezinhle neze. Njengengxenye yokuhlaziywa ukuze ukwazi ukuhambisa imali oyongile. Ungaya futhi ezimakethe zabo zezimali. Kepha ngezinkinga ezinkulu ngokuya ngesidingo seziphakamiso zayo eziyinhloko. Kuyiqiniso ukuthi ungathola imali eningi ngalokhu kusebenza kwezinye izimakethe. Yize ngesizathu esifanayo, ulahlekelwe yimali. Kukushiya ama-euro amaningi ekusebenzeni ngakunye kulezi zimpahla ezithile zezimali.
Imakethe yezimali, enye yezinketho ezinhle
Uma lezi zimakethe zibonakala ngokuthize, kungumsebenzi omkhulu kuzintengo zazo. Ngokuhamba okungazelelwe kuzo zonke izikhathi. Ukwelulekwa kakhulu kuwo wonke amaphrofayili wabatshalizimali. Kusukela ekusikeni okunolaka kakhulu kuya ekusikeni okumaphakathi kakhulu. Uzohlala unesikhathi sokutshala imali oyongile. Iziphakamiso ziningi futhi zehlukene ngokwemvelo. Idola, iphawundi laseBrithani, i-franc yaseSwitzerland noma i-yen yaseJapan kuzoba ezinye zezindlela okufanele uthuthukise izimali zakho kusukela manje kuqhubeke. Kuya ngokuvela ngakunye kwalezi zimali zomhlaba jikelele.
Kulokhu, ngeke ube nokunye ongakwenza ngaphandle kokuya ezimakethe lapho lezi zimali zibhalwe khona. Ngaphandle kweminye imikhiqizo yezezimali ezosebenza njengabalamuli. Njengakwelinye icala kwenzeka ngezinye izimpahla zezezimali. Ngokushintshana bazokunikeza i- ubugagu obukhulu bokuthatha izikhundla. Futhi njengomphumela wazo, ithuba lokuthuthukisa ibhalansi ye-akhawunti yakho yokuhlola lizokhula. Yize uzoba nengozi enkulu yokulahlekelwa yizikhundla kwiphothifoliyo yakho yokutshala imali. Lokhu yinto okufanele uyicabangele uma ufuna ukukhetha okunye kwalokhu kutshalwa kwezimali okuhlukile, njengoba kulokhu kuyimali.
Ukuvumelana nezimo kuzoba ngomunye weminikelo lezi zimpahla zezimali ezizokunikeza yona. Kusuka ezikhundleni ezinolaka kakhulu, noma okungenani eziphakeme kunalesi siphakamiso semali. Akumangalisi ukuthi umehluko phakathi kwezintengo zabo eziphansi nezincane ziphakeme kunokujwayelekile. Ngokunyakaza okushesha kakhulu okuzodinga ukukhuthala okukhulu ekunyakazeni okwenzayo kusukela manje kuqhubeke. Akumangalisi ukuthi bangakwazi kukuyise ezimeni ezingafuneki ngezintshisekelo zakho.
Ukutshalwa kwemali okuzibophezele emphakathini
Kungenye yezinye izindlela onazo esandleni sakho ukwenza imali yakho izuze. Enye yezinzuzo zokukhetha le modeli yokutshala imali ukuthi izokunikeza ithuba uhambisane nendlela yakho yokucabanga noma ukuqonda impilo. Ngomnikelo ongasizakala ngale ndlela enye yokutshala imali etholakalayo. Okuncanyelwayo ngokusebenzisa izimali zokutshala zalezi zici. Abaphathi bakha imikhiqizo eyanda egcwalisa le misebenzi. Kuwo wonke ama-engeli namasu okutshalwa kwezimali.
Okunye okujwayelekile yilokho okuzibophezele emvelweni nakuzo zonke izinhlobo zamasu ezemvelo. Ngesidingo esikhulu esivela kubatshalizimali abancane nabaphakathi. Kufike ezingeni lokufakwa kufayela le- idiphozi futhi kwezinye izimo kuma-akhawunti okonga noma amaholo aphezulu. Ngenye yezinto ezintsha ezinkulu ezenzeke eminyakeni yamuva. Ukuphela kwento esele ukuthi wamukela noma yisiphi salezi ziphakamiso ezibizwa ngokuthi luhlaza ngenxa yesimo sazo semvelo.
Iminikelo yalezi ziphakamiso
Akungabazeki ukuthi uzoba nezinketho eziningi kuleli banga lokutshalwa kwezimali, ube nezikhethekile. Kusuka ezindleleni ezahlukahlukene kuya ngephrofayili oyethula njengamanje njengomtshalizimali ojwayelekile. Phakathi kwazo kukhona okulandelayo esidalula kuwe ngezansi.
- Kufanele ukhethe ifayela le- ezinye izindlela ezingcono ekutshalweni kwemali inqobo nje uma zivumelana namasu akho okutshala imali. Futhi hhayi kuzo zonke izimo, noma ezimeni, uzohlala ufana.
- Ithuba lebhizinisi lingavela nganoma yisiphi isikhathi ezimakethe zezimali. Kufanele ulungele ukwazi ukuthi iyiphi enye imakethe kufanele usebenzise. Ngoba kungahle kube okungalindelekile kuwe,
- Uphawu olucace bha ongakhetha kuzo kulezi zimakethe yi inani eliphezulu lokuqashwa kukhombisa ezinye zalezi zimpahla zezimali. Izinga eliphakeme kunokujwayelekile lizoba ukhiye wokuthi uvule izikhundla kwenye yezimakethe zalo zezezimali.
- Omunye wemisebenzi ephawuleka kakhulu ezimakethe ezihlukile zezimali yilowo omelwe yi ukuhweba. Ukunyakaza kwesikhashana esifushane kakhulu nokuthi ungakwenza kube semthethweni ngesikhathi esifanayo emakethe yamasheya. Kodwa-ke, kufanele uqoqe ulwazi olubanzi kuleli banga lokunyakaza okunomkhawulo ngesikhathi.
- Sikunikeze isiphakamiso esiyinqaba sokutshala imali emakethe yamasheya. Kepha kufanele ugcine engqondweni ukuthi kungahle kube nokuningi okuningi kumasheya. Masonto onke bayavuka amathuba amasha okuthenga masonto onke.
- Kuzonconywa kakhulu ukuthi ucabangele ezinye izinselelo ezihlosiwe nezingenzeka ukuze ukwazi ukufeza izinhloso zakho ngomthamo omkhulu weqiniso. Akumangalisi ukuthi kuzoba yingxenye yamasu owathuthukisayo ekutshalweni kwemali.