Esinye seziphetho ezifinyelelwe yi Mina I-Popcoin Investment Barometer embikweni wayo wakamuva ngukuthi abasindisi abayisithupha kwabayishumi baseSpain abaneminyaka ephakathi kuka-25 no-44 bakhetha izindlela zokutshala imali ezidijithali kunalezo ezibhekene ubuso nobuso. Okungukuthi, Abasebenzisi abangama-60% bakhetha ukutshalwa kwezimali kwedijithali ukulimaza okwendabuko ngaphezulu. Lo ngumugqa wesenzo okhona ekunikezelweni kweminye yemikhiqizo yezezimali efanelekile: ukuthengwa nokuthengiswa kwamasheya emakethe yamasheya, izimali zokutshala imali, izincwadi ezigunyaziwe, okuphuma kokunye, njll.
Lo mbiko wakamuva ngemikhuba yokusetshenziswa kwezezimali ubuye ukhombise ukuthi lokhu kukhetha iziteshi eziku-inthanethi kuyabuye kugqanyiswe lapho kuhlolwa, ngaphezu kweminyaka, izinga lolwazi lwezezimali izakhamizi ezinalo: izinga eliphakeme lolwazi, utshalomali oluphakeme ngokusebenzisa iziteshi zedijithali. Yize kukuhle ukuhlaziya ukuthi yiziphi ezinye zezinzuzo zayo eziyinhloko futhi empeleni ukungabi khona kwakho okuhlanganisiwe kulesigaba sokusebenza kwezezimali.
Okokuqala, yisho ukuthi umphumela wokuqala wangempela wokusetshenziswa kotshalo-mali lwedijithali noma lwe-Intanethi ukuthi ngokungangabazeki kuyasiza Yehlisa izindleko. Lokhu kusho ukuthi ukwenza le mikhiqizo yokutshala imali ngeke kushibhile kunakuqala. Yize kungeke kudingeke ukuthi silindele ukwehliswa okumangazayo ngoba empeleni akufani nalokho. Kepha okungenani ama-euro ambalwa azosetshenziselwa ukonga ama-euro ambalwa unyaka nonyaka ngakho-ke singakwazi ukwabela ezinye izidingo zomuntu siqu noma zomndeni. Noma umane uzithokozise ngendlela engajwayelekile ngesikhathi sokuvivinya umzimba okulandelayo.
Ungakwenza kuphi ukutshalwa kwezimali kwedijithali?
Lo ngumbuzo wokuqala okufanele ubuzwe noma yimuphi umtshalizimali ophakathi nendawo kanye naphansi, njengoba kunjalo nakuwe. Ngoba impela, asikwazi ukukhohlwa kulezi zikhathi eziqondile ukuthi utshalomali lwedijithali lushibhile kunaleyo ejwayelekile. Cishe kuyo yonke imikhiqizo yezezimali lapho singasebenzisa khona leli qhinga ukuqukatha izindleko ekusebenzeni. Kusukela ekuthengeni nasekuthengiseni amasheya emakethe yamasheya kuya kumamodeli okonga akhuthazwa ngamabhange. Ngaphandle kokukhetha kwanoma yiluphi uhlobo olunganciphisa ukusebenza kwakho kokuziqasha nge-Intanethi.
Enye yezinzuzo zayo ezifanele kakhulu iqukethe induduzo okuzodingeka uyenze ibe semthethweni le mikhiqizo yezezimali. Ungabaqasha ngokunethezeka kusuka ekhaya noma kunoma iyiphi enye indawo lapho ukhona futhi okubaluleke kakhulu nganoma yisiphi isikhathi sosuku, ngisho nasebusuku noma ngezimpelasonto. Ngaphezu kwalokho, uzokwazi ukuqhathanisa okuningi okunikezwayo nokuphromotha okunikezwa ngamabhange futhi lokho kuzokuvumela ukuthi ukhethe amamodeli akhanga kakhulu wephrofayili yakho njengomtshalizimali omncane naphakathi. Ngaphandle kwesidingo sokuya egatsheni uyosayina inkontileka noma wenze ezinye izinqubo zokuphatha. Ngamafuphi, kungukuphathwa okuguquguqukayo kakhulu kunokwakhe ubuso nobuso.
Bhalisa imali ekhishwe ku-inthanethi
Ungomunye wemikhiqizo yasebhange lapho leli qhinga lisebenza kangcono ekwakhiweni kwalo ngokusemthethweni. Utholani? Okwamanje, yenza le nqubo kalula kusuka ekhaya lakho futhi ngaphandle kokuya kwenye ingxenye yedolobha lakho. Ngakolunye uhlangothi, akungabazeki ukuthi ungakwazi thuthukisa amamajini wokulamula abanikela ngale mikhiqizo yokonga. Hhayi ngendlela enamandla, kepha okungenani uthola isilinganiso senzalo ku-akhawunti yakho yokuhlola ngezimbalwa ezimbalwa zephesenti eziphakeme kunamamodeli ajwayelekile noma endabuko.
Ngakolunye uhlangothi, unethuba lokuthi le fomethi kumadiphozi wesikhathi esimisiwe ayihileli noma yiluphi uhlobo lwe- amakhomishini, izinhlawulo noma ezinye izindleko ekuphathweni noma ekugcineni. Lokho wukuthi, ngeke kukubize kakhulu ukubhalisa futhi ngakolunye uhlangothi unikezwa ukuthi minyaka yonke kukhuphuka kakhulu ngenxa yenzalo engxenyeni yamabhange yokwenza imikhiqizo efana nokufakwa kwi-inthanethi. Ngokuhlala unomphela kusuka ezinsukwini ezimbalwa kuya eminyakeni eminingana. Ngalo mqondo, ngeke ube nezinkinga zanoma yiluphi uhlobo.
Ukuthenga nokuthengisa emakethe yamasheya
Ukusebenza ezimakethe zezimali kungenye yemikhiqizo ebucayi kakhulu ukuze bakwazi ukunikezwa izinkontileka online kusukela manje kuqhubeke. Ngenani elengeziwe ongakwazi ngisho konga imali eningi kumakhomishini asebenzise izikhungo zezezimali. Ngamanani angaba ngisho nengxenye eshibhile uma kuqhathaniswa nokuqashwa komuntu. Lokhu kubaluleke kakhulu kubatshalizimali abancane nabaphakathi abenza imisebenzi eminingi minyaka yonke ngoba bangaqukatha izindleko zalo mqondo. Ngaphandle kokunye ukwehluka kobuchwepheshe.
Ukuhweba emakethe yamasheya, ngakolunye uhlangothi, kukuvumela ukuthi uthenge futhi uthengise amasheya ezimakethe zezezimali cishe ngesikhathi sangempela. Lokhu kuyinto ebaluleke kakhulu ukulungisa kangcono izintengo futhi ngenxa yalokho, ungathuthukisa inzuzo etholakalayo kulowo nalowo msebenzi owenziwayo. Ngenkathi wenze okuphambene nalokho, akungabazeki ukuthi uzobe usesimweni esicacile sokuhlaziya kangcono ukunikezwa kwesitoko onakho phambi kwekhompyutha yakho. Kanye nokwenza kube semthethweni lokhu kuhamba kusuka noma yikuphi, noma ngabe useholidini noma usohambweni lobungcweti.
Izimali zokutshala imali
Lo ngomunye wemikhiqizo efanelekile ongayibhalisa nge-Intanethi futhi ngendlela enethezeke kakhulu kunangezindlela ezijwayelekile. Phakathi kwezinye izizathu zokuba lula ukuphatha kwakho iphothifoliyo yesikhwama sakho sokutshala imali. Futhi ye- zidlulisele noma wenze ukuthengisa okuyingxenye noma okuphelele kwalo. Okuthile lapho ubuso nobuso kungadinga ukulahleka kwesikhathi okukhulu ezinqubeni okufanele uzithuthukise nokuthi kungenzeka ungabi sesimweni sokuthwala lokhu kulondolozelwa kuphothifoliyo yakho yezimali kusukela manje kuqhubeke. Kuzinkontileka eziku-inthanethi wenza konke kube lula ngendlela elula futhi enengqondo.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi izimali zokutshala imali zingumkhiqizo odinga i- ukulandelwa okukhetheke kakhulu nokuthi nge-Intanethi ungamnika lempatho ekhethekile. Ngethuba lokuyidlulisela kwesinye isikhwama sokutshala imali uma ukuvela kwezinto kungafuneki ngemuva kwesikhathi esithe xaxa. Zonke lezi zinqubo zikhululekile ukuphatha kusuka kukhompyutha yakho ekhaya, noma izimakethe zezezimali zivaliwe. Njengakwimodeli yangaphambilini, akubandakanyi noma yiluphi uhlobo lwezindleko ezingeziwe noma imali evela ezinkampanini zokuphatha noma izinhlangano zebhange.
Izimali ezihwebelana ngokushintshaniswa noma ama-ETF
Le yimikhiqizo ekhetheke kakhulu edinga ukuthi izici zayo ezithile zitholakale nge-Intanethi. Akumangalisi ukuthi asibhekiseli enhlanganisweni yalokho ukuthenga nokuthengiswa kwamasheya ezimakethe zamasheya nezimali zokutshala imali. Kepha ngomehluko ukuthi wethula amakhomishini ancintisana kakhulu kunale mikhiqizo. Futhi lokho kunguqulo yayo eku-inthanethi ama-akhawunti anamanani athokozisayo kubafakizicelo bayo lapho ungonga ngisho nengxenye yezindleko ngokunikezwa nangokwenyuswa ezikhungweni zezikweletu ebezikhula. Kuyisicelo sokuthi ukwazi ukubaqasha kusuka ekhaya lakho kusuka kulezi zinhlobo.
Ngakolunye uhlangothi, ama-ETF Akudingi isikhathi esinqunyiwe sokuhlala unomphela, njengoba kunjalo ngezimali zokutshala imali. Hhayi kancane, ngoba ngezinyanga ezi-3 noma ezi-4 kuphela kunganela ukwenza imisebenzi yakho ibe nenzuzo ngeziqinisekiso ezithile zempumelelo. Uma nje ukuthambekela kwezimakethe zezezimali, ezingaguquki noma eziguqukayo, kukuwe. Ngaphezu kwalokho, kuyindlela yokutshala imali ehleleke kahle kuzo zonke izinhlobo zamaphrofayili kubatshalizimali abancane nabaphakathi. Kusukela ekuzivikeleni kuya kunolaka kakhulu futhi ngaphandle kokukhishwa.
Izinzuzo ekusebenzeni
Izinkontileka ezenziwa ku-inthanethi zinohlu lweminikelo okufanele ukwazi kusukela manje ukwengeza ukusebenza kwakho. Phakathi kwazo kukhona okulandelayo esidalula kuwe ngezansi:
- Ushesha ijubane le- isikhathi lokho kuyadingeka kuze kube yilapho umkhiqizo obuzwayo ususebenza, wazi ukuthi isikhathi sokutshala imali siyimali.
- Ungakwazi thuthukisa kancane inzalo enikezwa yibo bonke amamodeli angenziwa ngokusemthethweni ngalezi ziteshi zokuxhumana. Unyaka nonyaka kuzoba yimali ebonakalayo. Unganqikazi nganoma yisiphi isikhathi.
- Ngalesi sikhathi, amabhange asevele athuthukise imikhiqizo engatholwa kuphela nge-Intanethi. Ingabe i- ukuthambekela okunganqandeki lapho kufanele uzuze khona kulezi zikhathi eziqondile.
- Kwezinye izimo ngeke ufinyelele ezindlekweni ezingeziwe ku-akhawunti yakho yokuhlola. Ukukubeka ngandlela thile, ukufaka imali ngefomethi eku-inthanethi kuzokhokha ngokuphelele free. Azikho izinkokhelo ze-akhawunti ekusebenzeni.
- Lokhu okubhalisile akusathinti kuphela imikhiqizo yezimali, kepha nemikhiqizo yokulingana. imali engenayo noma ezinye izimali.
- Ukwenza i- ama-oda wesikhathi sangempela Ngenye yezikhuthazo zokuphendukela kulezi zindlela zokuthola izinkontileka ngoba ungakwandisa ukusebenza.