Ukuvumelana nezimo kungenye yezimpawu eziyinhloko ezinikezwa yimali kwizimali. Ngoba awudingi ukuthenga nokuthengisa amasheya emakethe yamasheya. Kepha kunalokho, ungakhetha amanye amamodeli, kufaka phakathi lawo avela emalini engenayo engaguquki. Ukuze ngale ndlela iminikelo yakho ilawulwa kakhulu futhi i izingozi bazoba ngaphansi kakhulu kunamanje. Hhayi ngomkhiqizo owodwa wezezimali, kepha ngokusebenzisa izindlela ezahlukahlukene ezinikezwa izimakethe zezezimali okwamanje.
Ukuvela kwamafomethi amasha okonga anezimakethe zokulingana njengengxenye yengxenye yawo kuya ngokuya kukhula njalo. Ngenhloso ye- kuqinisekisa ukunikela kwakho kwezezimali lapha. Kodwa-ke, enye yezingqinamba zayo ezinkulu ukuthi imbuyiselo ongayithola incane kakhulu kunokutshala imali ngqo kulezi zimpahla zezimali. Lapho, ezimweni ezinhle kakhulu, isivuno esiseduze no-4% singenziwa, kepha okuthe xaxa kulawa ma-margins. Ngokuphindaphindiwe uzoba nenzalo ehleliwe futhi eqinisekisiwe minyaka yonke. Ngalokho ukuxhasa ukusebenza komsebenzi wakho.
Kulesi simo esivamile, kuvuleka amathuba amasha emkhakheni wokutshala imali, kodwa kusuka ezindleleni ezahluke kakhulu ngokuphumula kulabo obukusebenzisa kuze kube manje. Konke kuzoncika kuphrofayili oyivezayo njengomtshalizimali omncane naphakathi. Ngoba uma kungenalo ulaka kakhulu kungasiza kakhulu ukuvikela izintshisekelo zakho. Ukwazi ngaso sonke isikhathi ukuthi azingcono noma zimbi kakhulu kunamamodeli ajwayelekile kakhulu. Esikhundleni salokho, uzokwazi ukuwasebenzisa nganoma isiphi isikhathi futhi njengomphumela wenguquko ecatshangelwe kahle kumasu.
Imali engenayo ehleliwe ihlanganiswe nemakethe yamasheya
Elinye lamasu asetshenziswa kakhulu ukuxuba izimpahla zemali engaguquki nokutshalwa kwezimali emakethe yamasheya emkhiqizo ofanayo wezezimali noma webhange. Ngakho-ke, uqinisekisa ukubuyiselwa okuncane kulondolozo lwakho. Ngenkathi ngakolunye uhlangothi, kuyisikhali esinamandla sokuvikela ukonga kwakho ngezikhathi zokungazinzi okukhulu ezimakethe zezimali zamasheya. Vele, uzoba neziphakamiso ezingaphezu kwesisodwa okufanele zikhethwe ngokuya ngalokho okulindele nemali ofuna ukuyithola eminikelweni yezezimali. Kunoma ikuphi, awukwazi ukukhohlwa ukuthi kukhona impilo ngale kwesikhwama.
Ngalesi sikhathi uneziphakamiso zazo zonke izinhlobo, yize okunikezwayo kungeyona iningi iningi labasebenzisi. Kusuka kokukhethwa kukho okulondolozayo kuya kwabanye okusho ukuthi kufanele uthathe izingozi ezithile. Kepha kuzo zonke izimo bayoba njalo amathuba amasha ukuze ube sesimweni esingcono sokwenza ukonga kube nenzuzo kusuka manje kuqhubeke. Kumele wazi kuphela ukuthi le mikhiqizo yezezimali iqukethe ini nokuthi yini okufanele uyenze ukuze uyiqashe. Impela ngesikhathi esithile empilweni yakho zingaba usizo olukhulu ukuze ube nokuncipha okwengeziwe ku-akhawunti yakho yokubheka. Okuphela kosuku ukuthi kuyini, njengoba wazi kahle.
Imali exhunywe kunaniselwano
Vele, omunye wemikhiqizo ephawuleka kakhulu yimali yediphozithi enikeza lokhu kuhluka. Hhayi ngeze, ziyaqondakala kakhulu kuwo wonke amaphrofayili emkhakheni wokutshala imali. Azidingi ulwazi olukhethekile lwezezimali kubafakizicelo bale mikhiqizo yasebhange. Ikuvumela ukuthi uvikele izimo eziyingozi kakhulu ezimakethe zezimali. Ngoba bagwema ukuwa okungaba kakhulu ekulahlekelweni okukhulu kwe-akhawunti yakho yokuhlola.
Imishini yayo ilula kakhulu futhi isuselwa eqinisweni lokuthi banikela ngenzalo engaguquki, noma yini eyenzekayo, nokuthi ingakhuphuka ngokuya ngokusebenza kwamasheya ezimakethe zezimali. Kuze kufike amazinga asondele kakhulu ku-5%. Kunoma ikuphi, ngeke kube khona ukulahleka, noma ngabe ukuvela kwebhasikidi lamasheya kucacile. Kunoma ikuphi, kusebenza isikhathi eside sokuhlala kunezinye izithiyo. Akumangalisi ukuthi banezikhala zesikhathi lokho isukela ezinyangeni ezingama-24 kuye kwezingu-49. Ngenzuzo eyengeziwe yokuthi badinga iminikelo engabizi kakhulu yemali yabo bonke abasindisi. Ngama-euro angama-5.000 kuphela ongabhalisela idiphozi yalezi zici.
Izimali ezihlangene ezihlanganisiwe
Enye yamamodeli wokutshala imali ongayikhetha uma ufuna ukusebenzisa leli qhinga izikhwama ezihlangene ezihlanganisa imali engenayo engaguquki. Noma nangamanye amafa wezezimali noma wemali uma kufanele. Zakhiwa izinkampani zabaphathi ukuhlinzeka ngeziphakamiso ezingaphezu kwesisodwa ukuze zikhethwe ngamakhasimende. Esimweni esinjalo, asikho isigaba sokubuyisa esiqinisekisiwe, kepha konke kuzoya ngokuthi izimakethe zezimali zenzani. Kepha noma kunjalo, njengoba kungukutshalwa kwezimali okuhlukahlukene, kuzosusa ubungozi bazo zonke izinhlobo. Okuthile okungenzeki ngokuthengiswa nokuthengwa kwamasheya neminye imikhiqizo enezici ezifanayo.
Lesi sigaba semikhiqizo sivumela isilondolozi ukuthi sibe khona emakethe yamasheya, kepha ngaphandle kokucabanga ngobungozi obuningi. Ukufika ezingeni lokuthi kuzokhiqiza ukuthula okukhulu kwengqondo kusuka kumzuzu oqondile wokuqashwa kwakho. Ngakolunye uhlangothi, banenzuzo enkulu leyo ube nomnikelo obanzi izimali zokutshala izimali zalezi zici. Ngalo mqondo, ngeke kukubize kakhulu ukukhetha imodeli evumelana nephrofayili yakho njengomtshalizimali omncane naphakathi. Ngesisindo esengeziwe kunoma iyiphi impahla yezezimali oyithandayo. Ngaphezu kwalokho, kuyisu eliwusizo kakhulu ukuze ukwazi ukuqondisa kokuhwebelana kwamanye amazwe okunzima kakhulu kuwe ukufinyelela kukho uma uhamba wedwa.
Izimali ezihwebelana ngokushintshaniswa, imodeli ephakathi
Okokugcina, unazo futhi izinto okuthiwa ama-ETF, futhi okuyimikhiqizo eyi-hybrid. Ngokuyinhloko ngoba kungumxube ohlanganisa ukuthengwa nokuthengiswa kwamasheya emakethe yamasheya nezimali ezihlanganyelweyo. Lokho okungukuthi, lezo esikuchazile ngaphambilini. Ukuqasha kwakho kunenzuzo ongayithola finyelela ezimakethe zezimali ezingakahlolwa kuze kube manje kwakho. Ngoba empeleni, ungathola izinkontileka zamasheya ezimakethe zokulingana zamazwekazi amahlanu. Okuthile abakwazanga ukukwenza ngokutshalwa kwezimali okuqondile emakethe yamasheya okungavumi abalamuli.
Ngakolunye uhlangothi, izimali ezithengiswa ngokushintshana ziyimikhiqizo eyinkimbinkimbi edinga isiko elikhulu lezezimali engxenyeni yakho. Isici esingavimba ngesinye isikhathi ukuma kwakho kumasheya. Ngaphezu kwalokho, zivumelana kakhulu nokutshalwa kwezimali kwesikhashana noma okuphakathi esimweni esibi kakhulu. Kuyindlela yokutshala imali engaguquguquki kuwo wonke amaphrofayili wabatshalizimali abathengisayo. Phakathi kwezinye izizathu eziningi zokwakheka okukhethekile kwamaphothifoliyo abo. Ngakho-ke, akumangazi ukuthi ube nobunzima obukhulu ekulandeleni kwayo okulandelayo. Kuyisici okuzodingeka uphile naso uma ufuna ukwenza kube semthethweni noma yiziphi izimali ezithengiswa ngokushintshisana ezikhona emakethe yasebhange.
Uyini umkhiqizo omuhle kakhulu?
Umbuzo ozibuza wona okwamanje ukuthi yimuphi kubo okukulungele ukuthi uqashe kusuka manje. Le yimpendulo eyinkimbinkimbi kakhulu ezohamba kuya ngezinhloso ozilandelayo ngomzuzwana othile. Kepha ezingeni elijwayelekile, kufanele kuthiwe uma ufuna ukuthola amamaki enzuzo ephezulu, kungakuhle kuwe ukuthi ukhethe imikhiqizo efaka ubungozi obukhulu esakhiweni sabo sokutshala imali.
Esinye isici okufanele usibheke kusuka manje yileso esibhekise ebudeni bokuhlala. Ngoba empeleni, lezi zinhlobo zotshalomali zidinga isikhathi esinqunyelwe kakhulu lapho ungeke ukwazi ukuba nemali yakho. Kuzoba isikhathi esihle kakhulu sokunquma ukuthi ungaba yini ngaphandle kwale ngxenye yokonga. Ikakhulu, uma kwenzeka izindleko ezingalindelekile ezingavela noma kunini. Akumangalisi ukuthi ikwazi ukudala inkinga engaphezu kweyodwa ukuxazulula le misebenzi yemali. Ngalesi sizathu, akukhona ukuhlakanipha nhlobo ukwaba yonke imali etholakalayo kulesi sigaba semikhiqizo yasebhange. Ngaphandle kokuthi ufuna ukuvezwa inkinga enkulu kwezezimali zakho.
Ngakolunye uhlangothi, awukwazi ukukhohlwa nganoma iyiphi indlela ukuthi lezi zindlela zokutshala imali ngeke zikhiqize ukubuyisa okumangazayo. Kepha kunalokho, zizokusebenzela ukuze ukwazi ukuthola imali ejwayelekile minyaka yonke. Ngaphezu kwembuyiselo ekhishwa yimikhiqizo yasebhange yempilo yonke. Kepha akukho okunye okudlula lawa ma margins ekungeneleni kwezezimali. Yebo, ukuphepha okuzokunikeza kuzimo ezingezinhle kakhulu zobudlelwano nezwe lemali. Ngoba uzokwazi kusengaphambili ukuthi okungenani ngeke ulahlekelwe yilutho kunoma yiluphi uhlobo lwesimo. Okuthile kuyinto, ngemuva kwakho konke. Ngoba enye yezinjongo zakho eziyinhloko kuzoba ukuvikela izimpahla zakho ngaphezu kokunye ukucatshangelwa kwanoma yiluphi uhlobo. Yinto abanye abatshalizimali abancane nabaphakathi abangena kuyo ngezikhathi ezithile futhi njengoba kungenzeka ukuthi kwenzeke kuwe ngesikhathi sempilo yakho.