Uma ukhathele ukufaka imali yakho njalo emikhiqizweni efanayo yezezimali, usenesikhathi sokushintsha isu lakho. Ngoba empeleni, kukhona impilo edlula imakethe yamasheya kanye nemali engenayo engaguquki, ngezinye izimpahla zezezimali. Ukuze ekugcineni ukwazi thuthukisa isivuno enhlokodolobha etshaliwe futhi mhlawumbe nangendlela egculisayo ngokwengeziwe yezintshisekelo zakho njengomtshali-zimali omncane naphakathi. Ngoba unenye ezinye izindlela ukutshala imali. Ngokusebenzisa iziphakamiso ezintsha kakhulu futhi kwezinye izimo ngisho nezasekuqaleni, njengoba uzobona ngezansi.
Leli kuzoba isu ongalisebenzisa kunoma yisiphi isimo sezomnotho esiza kuwe. Kepha kuzoba kokungathandeki kakhulu lapho izofinyelela khona ekusebenzeni kwayo okuphezulu. Ngesizathu futhi lokho akusikho okunye ngaphandle kokusebenzisa ngokunenzuzo i ukuphela kwezimakethe zezimali okuvamile. Ngokuqiniseka konke ukuthi ngezikhathi ezingaphezu kwesisodwa uzobe ucabangele lapho ungatshala khona imali oyongile lapho kubukeka kabi emakethe yezimali engenayo engaguquki. Ukufika ezingeni lokuthi ezimweni eziningi ukhetha ukuba uketshezi ngokuphelele.
Ukuze lezi zinto zingenzeki kuwe kusuka manje, sizophakamisa izimpahla ezithile zezezimali lapho imali yakho ingaphephela khona. Yiziphakamiso okungenzeka ukuthi awukaze uhlangabezane nazo, kepha lokho kungakunika umdlalo ongcono ezimweni ezithile. Akumangalisi ukuthi abatshalizimali abaningi abathengisayo bakhethe lokho eminyakeni yamuva. Nge imiphumela egculisayo kakhulu engxenyeni enhle yokusebenza okwenziwe. Ngabe uzimisele ukwamukela le nselelo eyingqayizivele ukuze uqondane nezwe lemali?
Izimpahla zezezimali: ikhofi lawo wonke umuntu
Ikhofi isiphuzo esimnandi kakhulu ukuphuza nsuku zonke. Akukho kungabaza ngalokho, kepha ungahle ungazi ukuthi kuyasiza nokwenza ukonga kube nenzuzo ezimakethe zezezimali. Ngoba kungenye yezinto zokusetshenziswa ezithengiswa ezimakethe ezinkulu zama-equity emhlabeni jikelele. Ikakhulukazi ezikweleni ze-Anglo-Saxon sikuphi esinye sezilinganiso zokutshalwa kwezimali. Kanye nezinto zokusetshenziswa ezifanele kakhulu. Yebo, kusukela manje ungabuye utshale imali kulesi siphuzo esihle esishisayo.
Kuyiqiniso ukuthi unesikhathi esinzima kakhulu sokutshala imali ekhofi ngemakethe yamasheya. Ngaphandle kokuthi ukhethe izinkampani ezibalulwe ezinikele ekumaketheni. Kepha okunikezwayo akwanele ngokuqhathaniswa neminye imikhakha yesitoko. Yizincomo ezicacisiwe ezizokubiza ukuthi uzenze ngendlela othanda ngayo. Futhi ezikhathini eziningi ngokuhwebelana kwamazwe omhlaba, ikakhulukazi amaMelika kanye ne Alemania.
Indlela engcono kakhulu yokutshala imali kule mpahla yezezimali yenziwe ngezimali zokuhwebelana noma i-EFS njengoba baziwa kangcono. Ngoba empeleni, ziningi izimali ezincike kule nto eluhlaza. Kungaba iphothifoliyo esekwe kuphela ekhofi noma ngokuhlangana nezinye izimpahla zezezimali zezici ezifanayo. Bangakhetha kwiziphakamiso eziningi futhi banikezwa ngamasu ahlukene. Ukuphela kwesidingo okufanele usinikeze ukuthi ufuna ngempela ukutshala imali yakho kulesi siphakamiso esihlukile.
Igesi yemvelo enye inketho enhle
La mandla angenye yezinto ezithengiswa kakhulu kuzo zonke izimakethe zezimali zomhlaba. Futhi nokuthi ungakhiqiza inzuzo enhle kakhulu uma ugcina okufanayo I-push push lokho sekuthuthukile izinyanga ezimbalwa. Ngethuba lokubonga elinomusa ngokwedlula kunezinye izimpahla zezezimali. Yize kulo mqondo, kuyimpahla yezimali ejikelezayo kakhulu exhunyaniswe nemijikelezo yezomnotho. Itholakala ngemikhiqizo ehlukene yezezimali njengoba uzobona kusukela manje kuqhubeke.
Isikhwama singenye yezinhloso zokuthenga kwakho. Aziziningi izinkampani zalezi zici ezibalwe kumasheya. Kepha labo abakhona banesisindo esithile esibalulekile kuma-indices emakethe yamasheya amakhulu. Isibonelo esihle salesi simo simelwe yinkampani yegesi yaseSpain Ugesi wemvelo. Ngenye yeziphakamiso onazo okwamanje zokutshala imali kugesi. Ngaphezu kwalokho, isabalalisa ukwabiwa kwezabelo okungaphezulu kokuhlongozwayo phakathi kwabaninimasheya. Ngokubuya okungaguquguquki nokuqinisekisiwe kokonga kakhulu cishe ku-6%. Kuyisu elehluke kakhulu lokwenza imali engenayo engaguquki kokuguqukayo.
Ngakolunye uhlangothi, kunenqwaba yezimali ezihlanganyelanayo nezibalwe ohlwini izikhundla zazo zokutshala imali ezisuselwe kule mpahla yezezimali ebalulekile. Kusuka ezindleleni ezahlukahlukene zokutshala imali. Ukuze baqashwe ngamaphrofayili wabatshalizimali abahlukahlukene. Kusukela kokulondolozwa kakhulu kuya kulabo abathatha ubungozi obukhulu ezimakethe zezezimali. Kulesi simo, kungukutshalwa kwemali okujwayelekile ngokuphelele ukusizakala ngentengo yale nto eluhlaza evela emandleni.
Amadayimane ingunaphakade
Leli tshe eliyigugu elisikisela ngesinye sezici ezinkulu kakhulu zomkhakha wokunethezeka. Kuyisibonakaliso sokwehlukanisa esingatholakali kuwo wonke umuntu. Futhi kakhulu kuningi lemindeni. Kepha uma unamandla amakhulu okuthenga akufanele ukhohlwe lesi siphakamiso sokuqala sokutshala imali. Ngezindlela ezahlukahlukene zokufeza lesi sifiso esikhethekile. Ungakhetha abavukuzi abathengisa amadayimane. Zidayiswa esidlangalaleni futhi ezimweni ezithile kungaba yinzuzo enkulu ukuvula izikhundla kule mpahla yezezimali.
Enye yezindlela okufanele usebenzise ngokunenzuzo ukunyakaza kwentengo yayo kudluliswa ngezimali zokutshala imali. Noma kunjalo, bambalwa kakhulu futhi bangaholela kukho amakhomishini amakhulu kakhulu ukwedlula kweminye imikhiqizo enezici ezifanayo. Ukubheja okuyingozi kakhulu okufanele ukuhlole ndawonye nomeluleki wakho wezezimali. Ngoba empeleni, ubungozi bayo bukhulu kakhulu futhi budlula ezinye izimpahla zezezimali.
Ukutshalwa kwemali kuleli tshe eliyigugu nakho kungenziwa ngokuthengwa kwendabuko imikhiqizo yobucwebe. Uma lokhu kuyinjongo yakho, ngokuqiniseka konke ukuthi ngemuva kweminyaka embalwa kuzobaluleka, yize kubo ngeke ube nenye indlela ngaphandle kokuyithengisa esitolo esikhethekile. Umehluko omncane kodwa obalulekile kusuka ekutshalweni kwendabuko okuningi. Akumangalisi ukuthi kuhloselwe kuphela iphrofayili yomsebenzisi echazwe kahle kakhulu okungenzeka ukuthi akuyona eyakho. Kepha okungenani uzigcina engqondweni ukuze ukwazi ukuthatha isinqumo.
Amanani wokuziphatha ukuze abenze bazuze
Njengoba kungeke kube ngaphansi, amanani wokuziphatha nawo afakwe kuhlu ezimakethe zezezimali. Kepha kusuka ngendlela ephambene ngokuphelele. Izimali zokutshala imali yizo ezishutha kahle kakhulu lesi sifiso sabanye abatshalizimali abancane nabaphakathi. Ngochungechunge lweziphakamiso ezikhulayo eziningi zokwamukela lesi sidingo esiyingqayizivele. Kusukela ekuvikeleni ukusimama kwemvelo kulabo abanikela ngamaphrojekthi wobumbano kubantu ababencishwe amathuba kakhulu emhlabeni. Woza, unokunikezwa okuningi ongakhetha kukho futhi uzivumelanise nezindlela zakho zokucabanga.
Imali engenayo engaguquki iyavuma lokhu kungenzeka ngamasu ahlukene wokutshala imali. Okukodwa kwento ejwayelekile kuvezwa yimadiphozi yethemu. Yizinto ezibizwa ngokuthi ama-solidity deposits ezinhlangano eziningi zezezimali ezinazo. Nge- inzuzo engaguquki nonyaka uvumelane nemali esele esele. Cishe u-1% ngenxa yentengo eshibhile yemali. Ngenzuzo yokuthi ngeke ube nengozi ezikhundleni ozivulayo kusukela manje kuqhubeke.
Akukho mehluko ngokwenzuzo yayo maqondana namanye amadiphozi. Kuyindlela yokubeka imali oyilondolozile ukuze ihambisane nezinkolelo zakho noma izindinganiso zakho. Ngaphandle kwezinye izindlela zokuhweba ezisekela amasu abo kwezinye izindlela. Kunoma ikuphi, kungenye yezindlela ongakhetha ukuzitshala ngendlela ehlukile futhi esekelayo.
Ukutshala imali ku-algae sekuvele kungenzeka
Akuyona ihlaya, ngoba usungakwazi ukutshala imali yakho nge-algae. Akumangalisi ukuthi ezinye izinkampani, zimbalwa kakhulu okwamanje, zinikezelwe kulesi sici semvelo ngenani laso lokukhiqiza imikhiqizo yokwenziwa kwemithi. Ngisho nokwelashwa komdlavuza. Esinye sezibonelo ezifanele kakhulu simelwe inkampani kazwelonke I-Pharmamar, iZeltia yasendulo. Elinye lamave eliguquguqukayo kakhulu ku-arc yamasheya aseSpain. Kuze kube seqophelweni lokuthi yenze abatshalizimali abaningi babe yizigidigidi, yize inani labatshalizimali ababhangile nalo belibaluleke kakhulu.
Okwamanje, uma ufuna ukuthatha imali oyongele kule nto ekhetheke kakhulu, ngeke ube nokhetho ngaphandle kokuya emakethe yamasheya. Ngohlobo lwenkampani enomugqa ofanayo webhizinisi njengalowo osuvele ushiwo. Ngaphandle kokuvela kwezinye izinhlobo zokutshala imali, njengezimali ezihlanganyelanayo, izimali ezibalwe nezinye eziyinkimbinkimbi kakhulu. Yebo, lezi zinkampani zibonakaliswa ngamandla azo amakhulu okwenza inzuzo. Ngenhla ngisho 50% amazinga, ngenhla kweziphakamiso eziyinhloko zokwenza ukulondolozwa komsebenzisi okunenzuzo.
Uma ufuna ukukhetha ulwelwe, manje usungakwazi ukwenza izinhloso zakho zibe semthethweni. Yize kungezona izibambiso ezingamanzi kakhulu, baheha iphrofayili yesaver echazwe kahle kakhulu: abaqageli, abantu abanolaka ekusebenzeni nangamandla amakhulu okuthenga ukuxhasa izikhundla ezivulekile.
Ngokwami bengizotshala imali kuGolide, yinsimbi enginika ukuzethemba okuphelele. Igesi yemvelo ingezinye izimali ezinhle kanye nekhofi, inani lekhofi elithunyelwa ngaphandle eliya eJapane liyamangalisa. Konke okuphilayo ngokwemvelo ngokusanhlamvu kwempahla, akunakulahlekelwa.