Imihlahlandlela Yokuhlukaniswa Kokuphumelelayo Kokutshalwa Kwezimali

ukuhlukahluka Esinye sezihluthulelo onazo ukuvikela imisebenzi yakho yamasheya ngokungangabazeki ukwehlukanisa utshalomali lwakho. Ngoba empeleni, uzokwazi kuphela ukukhulisa inzuzo kusuka okufanayo. Uma kungenjalo, kuzokusiza nokuthi uphile nezimo ezingezinhle neze emakethe yamasheya. Lapho ingozi enkulu onayo ukuthi konke ukunyakaza ukuthi uvule ngalowo mzuzu othize. Ngaphezu kwalokho, kuzoba isu elilula kakhulu ukufaka isicelo futhi livulekele wonke amaphrofayili wabatshalizimali abancane nabaphakathi.

Ngoba kumayelana nokuthi awutshali imali yakho yonke oyilondolozile kubhasikidi ofanayo wezimpahla zezimali. Kepha kunalokho, ukusabalalisa phakathi kwezinhlobo ezahlukahlukene zokutshalwa kwemali nokuthi kungani kungenjalo phakathi kwemikhiqizo ehlukahlukene yezezimali. Kusukela kokujwayelekile kakhulu kuya kulabo abathwala ubungozi obukhulu ekusebenzeni kwabo. Inhlanganisela yabo ingakulethela izinzuzo eziningi kusukela manje. Kuze kube seqophelweni lokuthi uzothuthukisa imbuyiselo oyothola kulondolozo lwakho. Kuyinjongo ukuthi ngemuva kwakho konke uzobe ukufuna kusukela ekuqaleni.

Enye yezinzuzo ezinhle ezishiwo lolu hlelo lokutshala imali ukuthi luzokuvumela ukuthi ukhethe izixazululo ezahlukahlukene. Ezinye zazo zendabuko kakhulu, kepha ezinye zazo zingezangempela futhi ezimweni ngisho nokuqanjwa ngokuqinisekile. Ukuze ekugcineni ubudlelwano bakho nezwe lemali bunelise kakhulu kunamanje. Kuzofanele ubeke intshisekelo encane futhi ngaphezu kwakho konke ukuqeqeshwa okuningi ukuze ukwenze ngokulungiswa okuphelele. Ngokuqiniseka konke, kuzofanele ukuthola imiphumela emihle ongayithola kulezi zindlela zokutshala imali.

Hlukanisa ekutshalweni kwemali

utshalomali Vele kuzodingeka ukuthi ukwehlukanisa utshalomali lwakho oya kulo izinhlobo ezahlukahlukene zezezimali. Isihluthulelo sempumelelo ukuthi ungahlanganisa ama-equities nemali engenayo engaguquki, ngisho nangezinye izindlela njengefomula elifanele kakhulu ukuvikela imali yakho kusukela ekuqaleni. Unokuhluka okuningi, okuningi njengokwakhiwa okwenziwe yizikhungo zezezimali. Lapho kuyodingeka ukuthi useshe futhi uthole kuphela ukuthi yini evumelana kangcono nezimo zakho njengomtshali-zimali odayisayo.

Esinye sezixazululo eziphumelela kakhulu ezinikezwa yimakethe yezimali sivela izimali zokutshala izimali. Ngoba kungumkhiqizo ovumela noma iyiphi impahla yezezimali ukuthi ihlanganiswe kumodeli efanayo. Ngenzuzo yokuthi unezimali eziningi ongakhetha kuzo nezethula lesi sici. Lawa amamodeli okuphatha asebenzayo akhiqizwa yizinhlangano eziphethe ukuklama lokhu kutshalwa kwezimali okukhetheke kakhulu. Ngisho nenkontileka evela kwezinye izimali ngaphandle kwe-euro: idola, ama-franc noma ama-yen aseJapan.

Izimali zotshalo-mali ezixuba izimpahla ezehlukene zezezimali ziphethe izinzuzo ezilandelanayo ngokuhlukahluka kokutshalwa kwezimali. Phakathi kwabo, ukuthi ukulahlekelwa kwakho kuzoba kuncane ezimweni ezingathandeki ezimakethe zezezimali. Ukuze ngale ndlela ukwazi ukusebenza kangcono kuzo zonke izimo ezingenzeka. Enye yamamodeli abamba kahle lo mkhuba yizimali ezihlanganisiwe zokutshala imali. Bahlanganisa zonke izinhlobo zemali engenayo, ngaphandle kokudela noma yiluphi uhlobo lwesiphakamiso sezezimali. Kuzo zonke izinhlangothi: ulaka, ukuzivikela noma okuphakathi.

Bhalisela imikhiqizo yasebhange

Elinye lamasu okwehlukanisa imali oyongile ukwenza inkontileka ngemikhiqizo yasebhange kude nalokhu okutshalwayo okumsulwa. Imali yesikhathi, amanothi ezethembiso zebhange noma ama-akhawunti emali engenayo kuzoba ngezinye zazo. Umnikelo wokuqala wale modeli yokonga ususelwa ekutheni uzokunikeza imbuyiselo engaguquguquki futhi eqinisekisiwe minyaka yonke. Umholo wakho ngeke ube mkhulu kakhulu, kepha okungenani ngeke ulahlekelwe yimali kunoma yikuphi ukuwa. Kuyintshisekelo engeke idlule amazinga we-2%. Kuzoba isu elilondolozayo kakhulu, kepha noma kunjalo kuzoletha ukuzinza okuningi kuphothifoliyo yakho. Ikakhulukazi lapho izimakethe zezezimali zikhombisa ukungaqiniseki okuningi.

Ungakwazi ukwaba ingxenye yokonga kwakho kule mikhiqizo yasebhange ukwehlukanisa ukusebenza. Ngaphezu kwalokho, amamodeli wokonga alula kakhulu wokuqasha angadingi ulwazi olukhethekile engxenyeni yakho. Yize ezimweni eziningi kuzodingeka ulinde ukuphela kwazo ukuze izinzuzo ziye ku-akhawunti yakho yokuhlola. Ngesiqinisekiso esiphelele sokuthi uzoba nembuyiselo eqinisekisiwe kulondolozo lwakho. Akumangalisi ukuthi iyimikhiqizo lapho imali yabazali bakho noma ogogo nomkhulu bakho yayiqondiswe khona ukuze yenze inzuzo.

Le mikhiqizo ibiza kakhulu kuyo yonke imizi. Ngoba bangaqashwa ngemali encane kakhulu. Ngenjwayelo kusuka eminikelweni yezimali evela kuma-euro ayi-1.000 XNUMX. Ngezikhathi ezahlukahlukene zokuhlala unomphela ngokuya ngezidingo zakho zangempela zokukhokhela izindleko kusukela ngaleso sikhathi. Yize uzoba nenkinga yokuthi ngeke ukwazi ukuwakhansela kusengaphambili, ngoba namabhange angafaka ikhomishini yalesi sici esiseduze no-2%.

Iya kwezinye izindawo zomhlaba jikelele

international Esinye isihluthulelo sokwehlukanisa imali oyilondolozile kusekelwe ekungakhawuleli wena kuphela ezimakethe zezimali zikazwelonke. Ungasebenzisa ngokunenzuzo ezinye izitezi zokuhweba ukwandisa ibhalansi ye-akhawunti yakho yokubheka. Ngoba empeleni, ngale ndlela uzobe usesimweni esingcono sokuvula amathuba amasha ebhizinisi akhona kwezinye izindawo emnothweni wamazwe omhlaba. Hhayi kuphela kumasheya, kepha futhi nakwezimali eziholile. Kepha ngaphezu kwakho konke ngokusebenzisa ezinye izindlela zokutshala imali: izinto zokusetshenziswa, izinsimbi eziyigugu, njll.

Omunye wemiphumela yaleli qhinga elithile kakhulu ukuthi uzokwazi ukufinyelela izindawo ezingaphezulu zemali yakho. Futhi njengomphumela wazo, amathuba okuthuthukisa izinzuzo zakho azokhuphuka kakhulu ngokuqhathaniswa nezinye izinhlobo zotshalo-mali. Kuyiqiniso futhi ukuthi kuzodingeka uthathe izingozi ezinkulu, kepha kuyimali ekhokhelwayo okufanele uyikhokhe ukuze ube nesifiso esikhulu kwizimangalo zakho ukuze uqondane nezwe lemali. Ukufinyelela ezimakethe zezimali kuze kube yiminyaka embalwa edlule ezazingafinyeleleki nhlobo. Yebo, kusukela manje ungakhetha le modeli ehlukile.

Ezimalini ze-United States unezimakethe ezihamba phambili ukwenza lesi sifiso siphumelele. Ngenketho yokuya ezimakethe zobuchwepheshe lapho kufakwa khona izinkampani ezihamba phambili kulo mkhakha webhizinisi. Noma nezimakethe zase-Asia lapho izimo zabo zikufuna. Kuyindlela ezuzisa kakhulu ngezikhathi ezithile emnothweni wamazwe omhlaba. Ukufika ezingeni lokuthi uvuselele iphothifoliyo yakho yokutshala imali ngezikhathi ezithile. Ukwenza ngcono okulindelwe ukukhula kwisitatimende sakho semali engenayo.

Khetha imodeli yokuphatha esebenzayo

Ngaphandle kokungabaza, lokhu kusebenza kuzokunikeza injabulo engaphezu kweyodwa kusukela manje. Uyini umgomo ozowufinyelela? Yebo, into elula njengokuzivumelanisa nazo zonke izimo ezingaba khona, noma izuze okuncane kakhulu kuzintshisekelo zakho. Izimali zokutshala imali yizo ezilicosha kahle leli su. Kuphi abaphathi ngokwabo baphethe ukuvuselela izimpahla zezimali kuya ngezimo zemakethe. Ngokubuyekezwa ngezikhathi ezithile kwamaphothifoliyo okutshalwa kwezimali. Njengokuphela kwendlela yokwengeza imbuyiselo kuzitshalo-mali.

Nganoma yisiphi isikhathi, imali engaguquki noma eguquguqukayo ingakhushulwa, kukhethwe amathuba amahle kakhulu ebhizinisi ngasikhathi ngasinye. Noma kungenzeka uthango izikhundla euro. Ukugwema ukunyakaza okungafuneki ngenxa yamanani ezimali eziphambili zomhlaba. Kunoma ikuphi, kuyimodeli inani elikhulayo labatshalizimali abalikhethayo. Abaphathi besikhwama baphethe ukwenza le misebenzi. Ngeke wenze lutho, ngoba ngalokho kubizwa ngezimali ezisebenzayo zokutshala imali.

Musa ukutshala yonke imali

dinero Ukwehlukaniswa kufanele futhi kusekelwe yimisebenzi eyenziwe ngengxenye ebaluleke kakhulu yokonga kwakho, kepha ishiya isikweletu esithile kwi-akhawunti yakho yokuhlola. Okokuqala, ngoba vikela izikhundla zakho ebusweni benkambiso engathandeki ezimakethe zezezimali. Kepha futhi ukuba sesimweni sokusebenzisa amathuba webhizinisi azovela ezinyangeni ezizayo. Ukuze lokhu kube njalo, ngeke ube nenye indlela ngaphandle kokushiya izinhlamvu ezithile zokuthuthukisa ukusebenza kwakho.

Iphesenti lotshalo-mali lwakho kufanele kube yilona oluhambisana nephrofayili yomtshali-zimali oyivezayo. Ngeke kufane kusilondolozi esinolaka kunesinye esivikela ngokusobala. Kufanele futhi uzibuze ukuthi yini i- Izinga lezindleko okufanele ubhekane nazo ezinyangeni ezizayo. Ngenhloso yokungangeni esilingweni sokwenza imisebenzi emibi ekutshalweni kwemali. Kususelwe esidingweni sakho sokuthola isikweletu esithile ukuze ukhokhele lezi zinkokhelo zemali.

Kuzophinde kunconywe kakhulu lokho usabalalise imali oyilondolozile ngokulingana phakathi kwemikhiqizo ehlukile yezezimali kukhethiwe. Ngaphansi kwamazinga owabona efanelekile ukuvikela izintshisekelo zakho. Lapho ingxenye encane yeminikelo yakho kufanele iye kumikhiqizo ethwala amazinga aphezulu engcuphe. Ngengxenye encane kuzoba ngaphezulu kokwanele ukwanelisa lesi sidingo. Ngoba kulapho ungalahlekelwa khona yimali eningi uma utshalomali lungahlangabezani nokulindelwe okwenziwe kwasekuqaleni.

Yebo, uma ulalela ezinye zalezi zeluleko, ungangabazi ukuthi imali oyitshalile izohamba kangcono kakhulu kusukela manje. Nge amathuba amakhulu okuvuna akhuphuke. Uma kungenjalo, yebo okungenani ukuze ukwazi ukukuqaphela ngokusobala kubhalansi ye-akhawunti yakho yokonga. Kufika ezingeni lokuthi ungazikhokhela i-whim eyinqaba yomuntu siqu.


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

Amazwana, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  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.

  1.   U-Eduardo Ernesto Garay kusho

    Njengokungathi uzowa ngokwesaba e-Argentina. Isikhathi esinqunyelwe sinezinga lama-49% lonyaka. Idiphozi yezinsuku ezingama-30 inika leyo renti, u-4.28% ngenyanga. Ukwenza ukubalwa okunzima kokuvuselela inani kanye nenzalo eqoqiwe yanyanga zonke kuzosinika ama-65.35% ezinyangeni eziyi-12. Umbuzo uthi, intaba enjalo yenzuzo yemali yesizwe ibingasekelwa kanjani uma kunenqwaba enkulu kakhulu efakwa kulo mkhiqizo webhange? Ngaphezu kwalokho, lokhu kuzogcina kuphela inani lediphozi ezingeni lokugcina lokutshala imali ngoba ukwehliswa kwemali yase-Argentina kuzoba cishe ngama-58 kuye kuma-64% maqondana nempahla edayiswa emakethe yasekhaya kanye nokwehla kwamandla emali okusemthethweni kwama-49 kuye kuma-54% njalo ngonyaka.