Bayanda abantu abakwaziyo lokho ukuba nemali efakwe kwi-akhawunti yasebhange akusizi ngalutho bese ubheka ezinye izindlela ongazisebenzisa ngokulondoloza kwakho. Kodwa-ke, ukungaqiniseki nolwazi oluncane kukhulisa ukwesaba ukulahlekelwa yilokho okulondoloziwe. Kungakho sizonikezela le ndatshana ichaze ukuthi ungayitshala kanjani imali ngempumelelo.
Ngenxa yokushintshwa kwenani njalo lapho zonke izimali zihlupheka, Imali esiyilondolozile nayo iyashintsha kunani futhi esimweni esibi kakhulu, iyalahleka. Singakugwema kanjani lokho? Inketho engcono kakhulu ukusebenzisa imali ukusebenza, okungukuthi, ukuyitshala, ngokuthenga impahla noma amasheya emakethe yamasheya. Uma ufuna ukwazi ukuthi ungayitshala kanjani imali nezinketho okufanele ukwenze, ngincoma ukuthi uqhubeke ufunda.
Impilo yezezimali
Ake siqale ngokuchaza kafushane ukuthi iyini impilo yezezimali ngaphambi kokunikeza imiyalelo yokuthi ungayitshala kanjani imali. Leli gama lisho izimali zomuntu siqu, zomndeni noma zebhizinisi. Kodwa-ke, akubhekiseli kuphela ekongeni okungaba khona. Yize kubiza ukuyithola, ukonga imali kungabiza kakhulu uma kunesici se-macroeconomic esibizwa nge- "inflation." Ngokuyisisekelo ukukhuphuka kwentengo okujwayelekile. Kulokhu, imali esiyibekele eceleni ilahlekelwa yinani, ngoba ayizikhuli iyodwa.
Ngakho-ke, inketho engcono kakhulu ukusebenzisa imali ukusebenza. Uma sesifinyelele ezingeni elifanele lokonga, kufanele siphenye ukuthi yiziphi izindlela ezingcono kakhulu zokutshala imali. Ngalokhu kufanele sicabangele ukuphepha kotshalo-mali, ngoba abanye bangaba nezingozi ezinkulu.
Ukucacisa kahle umbono wokuthi kungani ukonga kungagcina sekulahlekelwa inani, sizochaza ukuthi yini utshalomali. Kulo msebenzi, ukonga kuphrojekthi noma ithuluzi kusetshenziselwa ukuthola ukusebenza noma inzuzo esikhathini esizayo, kungaba seduze noma kude. Lapho sikhetha okuthile esizotshala imali kukho, kufanele siqhathanise izinto ezintathu zezinketho ezahlukene: Ukusebenza, isikhathi abahlala kuso kanye nobungozi. Ngokufanelekile, utshalomali kufanele lube yingozi ephansi, ukubuya okuphezulu, futhi luhlale isikhathi esikahle. Kuzwakala kulula, kepha kunzima kakhulu ukuthola imali efanelekile.
Ungatshala kanjani imali encane?
Njengoba ukutshalwa kwemali kufaka izinqubo nezingozi ezahlukahlukene, Ukuhlaziywa kufanele kuqala kwenziwe ngaphambi kokwenza isinqumo. Umgomo ukuthola ukubuya okuphelele okungenzeka kube nengozi ephansi kakhulu futhi ngesikhathi esifushane kakhulu. Ukuze sithole ibhalansi phakathi kwalezi zinto ezintathu eziguqukayo, kufanele silandele uchungechunge lwezinyathelo:
- Funda konke ongakhetha kukho.
- Nquma inani lemali esizolitshala.
- Setha umgomo wenzuzo.
- Sungula isu.
Ukwenza isinqumo kudinga isikhathi, ngakho-ke akufanele sixhamazele futhi sicabange ngezinto izikhathi eziningi ngangokunokwenzeka. Futhi, kufanele ucabange ukwehlukanisa utshalomali lwakho. Ukusabalalisa imali ngezinsimbi ezahlukene kusiza ukukuvikela ekulahlekelweni lokho kungenzeka. Ngaphezu kwalokho, ithuthukisa ukusebenza. Ngalokhu engqondweni, sesivele sisisinyathelo esisodwa sisondele ekwazini ukuthi singayitshala kanjani imali.
Ubuningi
Njengoba kwaziwa, ukutshala imali njalo kubeka ubungozi. Ngakho-ke, kungcono ukuthi sitshale kuphela uma sinemali ethile esilondoloziwe futhi uma sikwazi ukukhokhela okuncane kweholo lethu. ngaphandle kokuthinta impilo yethu yezezimali. Ngemuva kwakho konke, umqondo omkhulu ukuthi singakwazi ukugcina izinga lethu lokuphila kunoma yikuphi. Ngakho-ke sibeka eceleni imali esizotshala kuyo futhi asisoze sathatha okuningi kunalokho esinakho ukukuthola.
Sesivele sishilo ukuthi indlela engcono kakhulu ukwehlukanisa izimali ukwenza ngcono ukusebenza nokuvikela ekulahlekelweni ngezikhathi ezithile. Ngalokhu kufanele sikhethe izinsimbi ezahlukahlukene esizotshala kuzo bese sinquma inani lemali esizofaka kulowo nalowo. Indlela engcono yokwenza izinqumo eziningi kangaka ukwenza uhlelo olubheka ubungozi, isikhathi esibekiwe, ukubuya, kanye nezinga lethu lokubekezelela ukungaqiniseki. Futhi ngakho-ke sizobe sesizuze isu lokutshala imali.
Ngabe imali ingatshalwa kuphi kangcono?
Lokho esifuna ukufaka imali yethu kuyisinqumo somuntu uqobo futhi kufanele ngaso sonke isikhathi sincike ekuhlaziyweni esasikwenzile phambilini. Noma kunjalo, kubalulekile ukwazi zombili izici zobungozi, ukwenziwa kwemali noma inzuzo engatholakala ngezinye zezinsimbi zokutshala imali ezivame kakhulu.
Ngaphezu kwalokho, kufanele sicacelwe ukuthi sizimisele ukutshala imali engakanani kanye nezinto esizithandayo maqondana nokuphathwa kwamathuluzi. Uma simusha kulomhlaba, kuyalulekwa ukusebenzisa izinsimbi ezinobungozi obuphansi. Ngale ndlela singakhulisa ulwazi lwethu futhi sijwayele kancane kancane.
Mayelana nezindlela okumele sizitshale, kukhona amathuba ahlukahlukene. Into ephephe kunazo zonke imvamisa ukutshala imali ngamabhange. Kukhona nababizwa nge- "Brokers", abangabalamuli phakathi kwabathengi nemakethe. Kodwa-ke, kufanele siqaphele kakhulu, ngoba Kunamawebhusayithi amaningi nezinhlelo zokusebenza ezibizwa nge- "Brokers" kepha ezingasunguli ubudlelwano nemakethe, uma kungenjalo bazakhela imakethe yabo. Gcina ukhumbula ukuthi bayazuza ekulahlekelweni kwethu, ukuze bakwazi ukuphatha amashadi.
Izinsimbi zokutshala imali
Ukwazi ukuthi ungayitshala kanjani imali, kubalulekile ukuthi sazi zonke izinketho okufanele sizenze. Ngezansi sizothola uhlu lwezinsimbi ezivame kakhulu zokutshala imali:
Izimali zokutshala imali
Izimali ezihlanganyelanayo ngukutshalwa kwezimali okuphethwe yizikhungo ezihlanganisa imali yababambiqhaza abahlukahlukene bese kuba ngabaninimasheya alesi sikhwama. Kunezigaba ezintathu: Isikweletu, i-Equity ne-Capital. Lezi zimali aziqinisekisi ukusebenza futhi lapho bezibeka engcupheni ngokwengeziwe, kuyanda ukubuya, kodwa futhi nengozi.
Acciones
Izenzo ziyizihloko ezikhishwa yizinkampani ukuze zikwazi ukuxhaswa. Abathengi bathola amalungelo, njengokuthola izabelo uma inkampani iwasabalalisa. Isu laleli thuluzi lokutshala imali ukuthola izabelo noma ukuthengisa amasheya ngentengo ephezulu. Ukushiswa kwemali yalokhu kutshalwa kwezimali kuphezulu, kanye nengozi yabo, kusukela imakethe ayishintshi kakhulu.
Ama-bond
Uma sikhuluma ngamabhondi, sikhuluma ngokuvikeleka kwezikweletu kuzo zombili izinkampani kanye nohulumeni noma ezinye izinhlangano. Lezi zikhungo zibanikeza ukuthi bakwazi ukuzimela futhi Banikeza umthengi ilungelo lokuthi ngezikhathi ezithile athole inzalo engaguquki kusukela ekuqaleni. Imbuyiselo yale nsimbi yokutshala imali yinhle, kepha ayisihle njengasesitokisini.
Izakhiwo ezithengiswayo
Ukwazi ukuthi ungayitshala kanjani imali, inketho eyodwa iku-real estate. Esimweni esinjalo, umtshalizimali uthenga izindlu nezindawo ukuze aziqashe noma azithengise ngentengo ephezulu. Kungaba kokubili umhlaba nezindlu noma amafulethi. Izindawo ezahlukahlukene futhi ziyahlukahluka ngentengo kuye ngendawo, ukuxhumana nemvelo. Noma yikuphi ukuguqulwa kwesinye salezi zinto kungadala ukwanda noma ukwehla kwenani lezakhiwo ezisendaweni.
Ibhizinisi
Enye indlela ukutshala imali ebhizinisini. Okungukuthi: Nikeza ngezimali ezidingekayo ukuthola izinzuzo bese kamuva uthengise amaphesenti wokubamba iqhaza. Le nketho ingenziwa ebhizinisini lakho, komunye umuntu, elisha noma inkampani esivele isunguliwe.
Oro
Ukutshala imali egolide kusebenza ngendlela efanayo: Le nto eluhlaza iyathengwa ukuze kamuva ithengiswe ngentengo ephezulu. Ukuthola igolide kunezindlela ezimbili zokukwenza:
- Indlela eqondile ngokusebenzisa izinhlamvu zemali zegolide noma imigoqo.
- Indlela engaqondile ngokusebenzisa izitifiketi zamadiphozithi.
Kuwutshalomali olunenzuzo enkulu uma sazi kahle ukuthi yisiphi isikhathi esihle sokuthenga nokuthengisa. Njengotshalomali kuwumqondo omuhle kakhulu esikhathini esifushane naphakathi, njengoba abantu abaningi bephephela egolide lapho kukhona ukungazinzi.
Ukuthenga nokuthengisa izimali
I-Forex, noma i-Foreign Exchange, iyimakethe yokushintshaniswa kwamanye amazwe okuvela ukuthi kungenye indlela yokutshala imali enobungozi obubandakanyekayo ingahluka kakhulu, uma kuqhathaniswa nezinye izinsimbi zokutshala imali. Imayelana nokuthenga nokuthengisa izimali ezivela emazweni ahlukahlukene njengama-euro, amadola noma i-yen, phakathi kwamanye amaningi. Izimali zizuza noma zilahle inani kuye ngoshintsho emakethe. Lokhu kwehluka kuyithuba lokuthola imbuyiselo. Kodwa-ke, leli thuluzi lokutshala imali alifanele wonke umuntu, ngoba izingozi zincike kumuntu ngamunye futhi izinzuzo noma ukulahleka kuphezulu kakhulu futhi kuyahluka ngesikhathi esifushane kakhulu. Ngakho-ke, ingenye yezinsimbi zokutshala imali ezinzile futhi eziyingozi kakhulu.
Criptomonedas
Ukuthengwa kwama-cryptocurrensets kwenziwa ngezinsizakalo ezivikelekile zedijithali, njengezimali, kusukela lapho Ngemuva kokwenza ukunyakaza ku-akhawunti yomunye wabanikazi, irekhodi elingenakuguqulwa lihlala. Mayelana nokutshalwa kwemali, umqondo ukuthenga amayunithi we-cryptocurrency ahambisanayo ukuze uwathengise kamuva ukuze uthole imali ethe xaxa.
Ngiyethemba le ndatshana ikusizile ukuthi uqonde umhlaba wokutshala imali kangcono kancane. Ukutshala imali kuhle futhi kungaxazulula ikusasa, kepha kufanele ngaso sonke isikhathi sikwenze ngekhanda futhi sigcine impilo yethu yezezimali.