Yini okufanele uyenze ngokutshalwa kwezimali kuleli hlobo?

ukuphathwa kwezimali ehlobo

Kuza isikhathi sonyaka lapho kuba khona kunzima kakhulu ukuphatha izimali, futhi okubaluleke kakhulu, bavikele ezinkingeni ezingase zibe khona ezimakethe zezimali. Kumayelana nehlobo, lezo zinyanga, lapho abatshalizimali abangochwepheshe kakhulu befuna ukuchitha izinsuku ezimbalwa zokuthula okukhulu nomndeni wabo noma abangane. Naphezu kwakho konke, kuzoba yisikhathi lapho kufanele kuthathwe izinyathelo zokuqapha. Ngenhloso ecace bha, futhi lokho akuyona enye ngaphandle kokulondoloza ukonga.

Kuzoba izinyanga ezimbalwa, lapho kuzoba yinto ephambili khetha ukuphepha esikhundleni sokusebenza ongakonga. Kuzoza izikhathi lapho ukuvezwa kwamasheya kukhulu, futhi ngaphezu kwakho konke, ngesifiso sokuthatha izinyathelo ezinolaka ukwenza izimpahla zizuze. Kunoma ikuphi, kungakuhle kakhulu ukuthi unake uchungechunge lwezinto eziwusizo amathiphu lokho kuzokusiza ukufeza izinhloso zakho ngalezi zinyanga zonyaka.

Izimakethe zezezimali, ikakhulukazi izimakethe zokulingana, zivame ukuletha izimanga eziningi ezingezinhle kulezi zinyanga ezikhetheke kakhulu kubo bonke abasindisi. Eminyakeni embalwa edlule kugcwele umcimbi onjalo ezimakethe kwenze abatshalizimali abancane balahlekelwe yimali yabo eningi, ngenkathi bethule ngokuthula olwandle, noma kwenye indawo yeholide. Yinto okufanele uyigweme ngazo zonke izindlela kulo nyaka, ngoba unezindlela ezanele zokuyigwema.

Imikhiqizo yokonga imali

imikhiqizo yokonga

Okuza kuqala kwakho kuzoba okunye ngaphandle kokuthi khetha amamodeli aphephe kakhulu otshalomali, futhi uma kungabuye kube nenzuzo, khona-ke kungcono kunokuba ngcono kunezintshisekelo zakho. Akumangalisi ukuthi uzobe udlala kakhulu ngalesi sikhathi sonyaka. Futhi akuyona umbuzo wokumosha imali, ukude nayo. Ukuze wenze lokhu, kufanele wakhe iphothifoliyo yokutshala imali ngokulinganisela. Futhi-ke ushintsho emikhubeni yakho yokutshala imali. Khumbula ukuthi lezi zinyanga azifani nezinye zonyaka. Okungenani uma kukhulunywa ngokutshala imali.

Hlobo luni lwemikhiqizo okufanele uyikhethe kuleli su elihlukile lokutshala imali? Kunamamodeli amaningana angakusiza kakhulu kulezi zinyanga lapho uzobe useholidini, mhlawumbe kwenye indawo. Kufanele ugxile kulondolozo lwakho kuzo, kuya ngephrofayili oyivezayo njengomtshali-zimali: onolaka, olondolozayo, ophakathi, njll. Futhi lokho ngokuyisisekelo kuzoba okulandelayo esikudalula kuwe.

Imali: ungavunyelwa ukubekwa isikhathi senyanga eyodwa noma eziningana. Kuyiqiniso ukuthi imali oyibuyisayo ku-akhawunti yakho yokuhlola ngeke ibe yinto emangazayo, ingeqi ngaphezu kuka-0,50%, kodwa okungenani uzoba nokuvikeleka kokuthi uzobuyisa inani olitshalile lapho ubuya ngamaholide, futhi inzalo encane, yize iqinisekisiwe. Ungakwazi nokwenza idiphozi yokuphromotha, enamatemu amafushane kakhulu okuhlala unomphela, engekho ngaphezu kwezinyanga ezi-3, futhi enikeza imbuyiselo ephezulu. Kwezinye izimo ingafinyelela ku-1,50%, nangaphandle kokuxhumanisa neminye imikhiqizo yasebhange.

Kuyisu elifanele kakhulu lokutshala imali kumakhasimende azivikela ngokwengeziwe, angafuni ukuvezwa ngokungaqiniseki kwezimakethe zezimali, ikakhulukazi ngalesi sikhathi sonyaka. Unezinhlobonhlobo zokunikezwayo ezenzelwe amabhange kumakhasimende amasha. Futhi noma kunjalo, ayabiza kuwo wonke amakhaya, kusuka ekubhaliseni okuncane okuqala kusuka kuma-euro ayi-1.000 kuphela.

Izimali ezihlanganisiwe zokutshala imali: uma ufuna ukuba nezikhundla ezivulekele izimali, ungakwenza ngalo mkhiqizo wezezimali. Hhayi ngeze, ikuhlanganisa nezinye izimpahla zezezimali kusuka kwimali engenayo engaguquki. Leli qhinga lezinkampani zokuphatha linikeza ukuvikeleka okukhulu kokonga. Kuyiqiniso ukuthi izimbuyiselo ngalezi zimali ngeke zibe phezulu kakhulu, kodwa ukulahlekelwa kuzoba nomkhawulo omangalisayo. Ngaphezu kwalokho, ungavala izikhundla ngasikhathi sinye ocabanga ukuthi kufanelekile.

Ukunikezwa kwezimali zokutshala imali zalezi zici kubanzi kakhulu, ngokuba khona okuphawulekayo kwanoma iyiphi impahla ehloselwe ukutshalwa kwezimali. Futhi lapho uzoba nguwe okufanele uthathe isinqumo sokuthi iziphi izimali ezixubekile okufanele zenze iphothifoliyo yakho yokutshala imali kuleli hlobo. Ukufika ezingeni lokuthi unganikela kakhulu ngokulondolozwa kwakho kule miklamo emaphakathi. Kuzonconywa kakhulu ukuthi phakathi kweminye yale mikhiqizo efana kakhulu, uzokhetha lawo anekhomishini ephansi kakhulu.

Ngaphakathi kwale mikhiqizo yezezimali, ungakhetha amamodeli anolaka kakhulu kunamanye, kepha kungenzeka ukuthi avikele ukonga ezimweni ezimbi kakhulu ezimakethe zezezimali. Ngaphandle kwesidingo sokwabela yonke imali okonga, noma amamodeli ayinkimbinkimbi, athwala ubungozi obukhulu ekusebenzeni kwabo.

Izimali zemali: Uma kukhona noma yimuphi umklamo oqinisekisa ukuzinza ku-akhawunti yakho yokuhlola ngesikhathi sasehlobo, yizona kanye lezi zimali. Kuzoba nzima kuwe ukuthola inzuzo enkulu ekusebenzeni okuvulekile, kepha kuzokunikeza ukugcina ukulingana okufanayo ekubalweni kweminikelo yakho yemali. Ingozi onayo kuphela ukuthi uyayiqasha ngemali engeyona i-euro (I-franc yaseSwitzerland, idola laseMelika, iphawundi laseBrithani, njll.) Lokho kungaholela esimweni esingalindelekile ngenxa yokuntengantenga okukhulu okukhona kulezi zimpahla okwamanje.

Kuyimodeli yokonga okuthi, ngenxa yezici zayo ezikhethekile, ifane kakhulu nokufakwa kwemali ethempelini. Akumangalisi ukuthi ingxenye enkulu yokonga evela kule mikhiqizo iqondiswe kwizimali zemali. Ingenye ye- ezinye izindlela ezilandelanayo ukuthi manje usuzosebenzisa iholide ngokuthula okukhulu kwengqondo, ngaphandle kokwazi ngokuvela kwanoma iyiphi impahla yezezimali.

Shintsha ukuphathwa ngesikhathi sasehlobo

amasu okutshala imali

Enye indlela yokwenza ukonga kwakho kube nenzuzo ngesikhathi seholide izofika, hhayi kuphela ekukhetheni imikhiqizo ehamba phambili, kodwa futhi noshintsho ekuphathweni kwemali oyongile. Kuzoba ngezehlakalo ezikhethekile kulezi zinyanga, lapho ukuphepha kudlula inzuzo. Futhi noma kunjalo, uzonikezwa ngalezi zindlela ezilandelayo okuzodingeka uzithathe kulo nyaka onzima kakhulu wokutshala imali.

Bheka amamodeli aguquguqukayo: kuzobaluleka impela ukuthi ukhethe amafomethi avumelana nazo zonke izimo zezimakethe zezimali kuleli hlobo. Kuzo zombili izimo ze-bullish ne-bearish, kwesinye isikhathi ezijwayele ukuguquguquka njengezinyanga zasehlobo. Futhi kusukela kulo mbono, izimali zokubuyisa ngokuphelele kungaba yisixazululo esihle kakhulu sokuvikela ukonga kwakho. Bangabasindile abahamba phambili kunoma yisiphi isimo.

Ukunikezwa akukubanzi njengaseziphakamiso zangaphambilini, kepha uzoba nezixazululo ezanele zokwaba ingxenye yempahla yakho uqobo kulezi zindlela zokutshala imali. Ngokuphepha lokho ngeke ulahlekelwe kakhulu, futhi ungaqongelela nenzuzo ethile lapho ubuya eholidini elilindelwe kulo nyaka.

Hlukanisa utshalomali: isu okufanele ulisebenzise kuleli hlobo lizosuselwa ekwehlukaniseni lonke utshalomali lwakho. Ungagcini imali oyongile kumkhiqizo owodwa, ingasaphathwa eyokuphepha okusohlwini, kepha ngeke kube khona okunye ongakukhetha ngaphandle kwalokho usabalalise kabusha ngezindlela ezahlukahlukene zezezimali. Kungaba okufiselekayo ukuthi uhlanganise imali engenayo eguquguqukayo nemali engaguquki, futhi uma ukwazi ngisho namanye amamodeli wokusika. Akumangalisi ukuthi izoba ngesinye sezikhiye zokuvikela imali ezinhlakalweni ezingaba khona ezimakethe zezimali.

Ukunikezela, noma kunjalo, ingxenye encane esikhwameni. Uzoba nesikhathi lapho ubuya eholidini uzoshintsha isu lakho futhi wandise izikhundla zakho kule mpahla yezezimali. Ngalezi zinyanga, izinketho ezizokhethwa nguwe zizoba ngolondolozeka kakhulu, ngaphezu kwalezo ezikhonjiswe kwezinye izinkathi zonyaka.

Gcina imali ethile ku-akhawunti: ihlobo liyingxenye ethambekele kakhulu onyakeni ukuze izindleko zikhuphuke: amaholide, ezokungcebeleka, ukudla, njll. Lokhu kufanele kukusize ungatshalanga yonke imali, kude nayo. Okungenani ingxenye ebaluleke kakhulu ye-akhawunti yakho kufanele ibe ku-akhawunti yakho yokuhlola. Hhayi nje ukuhlangabezana nalezi zidingo, kepha futhi nokuvikela ukonga kwakho kusuka kuma-vagaries ezimakethe.

Ngaphezu kwalokho, kunezinyanga ezimbalwa lapho kuvame khona kuvela uchungechunge lwezindleko ezingalindelekileYebo, azange zibalwe kusabelomali sakho. Awukwazi ukuya eholidini ngokwanele nje, ngoba lapho ungaba nezinkinga ezingaphezu kweyodwa. Noma lokho kukuholela ekutheni uthengise utshalomali lwakho nganoma yisiphi isikhathi. Ibhalansi enempilo izokusiza ukufeza lezi zinhloso ngaphandle kobunzima obukhulu.

Unganqamuli nolwazi

mobile

Thatha iselula yakho: ohambweni lwakho lweholide akufanele ukhohlwe iselula yakho ukuze ukwazi ukusebenza kalula kunoma iyiphi indawo, noma ngabe ungaphandle kweSpain. Futhi nganoma yisiphi isikhathi ungathuthukisa noma yiluphi uhlobo lomsebenzi webhange, ukhansele umkhiqizo uma kunesidingo. Ungahlola ukuvela kwezimali zakho noma nini.

Okunye ukusetshenziswa kwayo ukuthi uma amathuba ebhizinisi evela kwizimali ngesikhathi sehlobo, bazokunikeza ithuba lokunikeza i-oda lokuthenga, ngaphandle kokuthi ulinde ukubuya kwamaholide. Noma yikuphi ukubambezeleka kwesikhathi kungenza umehluko wama-euro amaningi. Futhi ngoba ngeselula ungayixazulula khona manjalo, noma ngabe usendaweni ekude kakhulu ezweni.

Kuyosala kuphela ukuthi uthole ifomula elifanele lokugcina okungenani ifa lakho ngalezi zinsuku ezikhethekile ozozinikela ikakhulu ekuphumuleni nasekubeni nabathandekayo bakho. Futhi indlela engcono kakhulu kuzoba ngokugcina imali, ngokusebenzisa amasu ahlukene esikuchazele wona.


Yiba ngowokuqala ukuphawula

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.