Kuvamile ukuthi lapho inzuzo ifinyelela iphothifoliyo yakho yokutshala imali, ushiye ngokushesha izikhundla zakho ukuze uthokozele inzuzo etholakalayo. Kepha futhi kungaba yiphutha elibi ohlangothini lwakho oluvela ukungabi bikho kwencazelo yesu elifanele lokutshala imali. Kufanele ukwenze ngokuya ngephrofayili oyivezayo, imigomo utshalomali olubhekiswe kuyo, nokuthi yiziphi izinhloso zakho eziphambili.
Futhi awazi ukuthi ungakusebenzisa kanjani ukuphathwa okufanele, ungashiya ama-euro amaningi endleleni. Ngaphezu kokucabanga kwakho ekuqaleni. Kuze kube seqophelweni le- uphuthelwe yizimo ezihamba phambili kakhulu, lapho kungakuhle kakhulu ukuthi ulinde ngaphambi kokuhlehlisa izikhundla zakho. Kuze kube yilapho uthola amanani angcono kusilinganiso sakho esivumela wena nokwandisa ukusebenza kumasheya angaphansi kokuphathwa okungcono kokutshalwa kwezimali.
Ngaphambi kokukhetha ukuthengisa kusengaphambili, kuzoba ngaphezulu kokudingekile lokho hlanganisa ukuphepha nengozi njengecebo lokugcina izintshisekelo zakho ezimakethe zezimali. Akulula ngaso sonke isikhathi ukukwenza. Noma kunengozi yangempela yokuthi ukuphathwa kwemali oyongile akwenziwa ngokuya ngezintshisekelo zakho, nokuthi ezimweni ezingezinhle kakhulu bazokuholela ezimeni ezingezinhle maqondana namanani ezokuphepha.
Ukuphathwa ku-stock exchange: chaza izinhloso
Lapho ukwazile ukufaka inzuzo etholakalayo ekusebenzeni kwakho emakethe yamasheya kujwayelekile ukuthi ubheke ukuthi kufanele uthengise amasheya akho qoqa izinzuzo ezifanele, noma okuphambene nalokho, linda ukuthi lokhu kukhule. Ukuze lokhu kube njalo, akukho okunye ongakwenza ngaphandle kokuchaza kabusha izinhloso zotshalomali lwakho. Isinqumo okufanele usenze kufanele sincike kunqubo echazwe kahle kakhulu. Lapho kuzodingeka khona ngempela ukuthi kususelwa kuzinqubo zokunquma ekutshalweni kwemali.
Kunoma ikuphi, ungalinda ukuthi imigomo yakho ihlangatshezwe, njengenzuzo efinyelela ku-5%. Ungazibekeli imigomo engafinyeleleki, noma okungenani uyazi ukuthi kunzima kangakanani ukuyifinyelela. Ekugcineni uyohlala ulahlekelwa kulezi zimo ezimakethe zezimali. Izindlela kumele zibe nenhloso futhi okulungiswe kakhulu ezimeni zangempela zezimakethe zezimali. Lesi sinqumo ngeke sihlale sifana esikhathini sokwengeza njengesinye esinomkhuba ophambene. Ungakhohlwa uma ungafuni ukwenza iphutha elibi kakhulu.
Okungabalulekanga kangako kuzosungula inqubo yokufeza imigomo efanelekile yokuhlala unomphela kuphrofayili yakho njengomtshalizimali omncane naphakathi. Akumangalisi ukuthi akufani nokusungula ukuhweba ngemakethe yamasheya iminyaka emithathu, kunesikhathi eside kakhulu. Isikhathi ngasinye sizoba nesu laso lokutshala imali, okufanele ulisebenzise ngokuqondisa okuphelele.
Isikhathi sokuvala izikhundla?
Ungomunye wemibuzo esemqoka kunoma yimuphi umtshalizimali, futhi lapho umphumela wokusebenza uncike khona. Hhayi ngeze, kuhlale kunesilingo sokuvala izikhundla ukuqoqa izinzuzo zemali lapho ufika ezikhundleni zokuwina. Ngabe lelisu elilondolozayo liyakufanelekela? Yebo, kuya ngodaba ngalunye, futhi ikakhulukazi kunqubo lapho usekela khona ukunyakaza kwakho ezimakethe zezezimali. Ngeke zihlale zifana njalo.
Ezimweni zokungazinzi okuqinile emakethe yamasheya, kungaba yimpumelelo engxenyeni yakho. Kepha hhayi kwabanye evuna izintshisekelo zakho, ngoba uzokwazi ukuqinisekisa kaningi. Kulokhu, kuzokwelulekwa kakhulu ukusebenzisa izinzuzo uze ufinyelele ezinhlosweni zakho. Kuze kube lapho izimakethe zezimali zinikela ngokunye uphawu lobuthakathaka noma ukuthambekela kokuthambekela. Kuyindlela ethembekile futhi enconywa ngabahlaziyi abaningi bezimakethe.
Kuzodingeka futhi kakhulu ukuthi ubheke i- Izikhathi ze-bearish. Kubo ambalwa amasu okutshala imali abalulekile, ingasaphathwa yokuthi ayasebenza. Ukuthengisa kungcono kakhulu kwezinye izindlela ongazisebenzisa kusukela ekuqaleni. Ikakhulukazi uma izindlela zakho zokwenza ukonga kunenzuzo yenzelwe isikhathi esifushane naphakathi. Ungalokothi kulezi ezibanzi kakhulu ezizodinga ezinye izindlela zokwelashwa ezihlukile.
Ukwephulwa kwamazinga okubaluleka
Elinye isu lokuhambisana okukhethekile lilungiselelwe lapho ungenakho okunye ongakwenza ngaphandle kokushiya izikhundla lapho intengo yezokuphepha wephule ukusekelwa okuphawulekayo, noma amazinga abaluleke kakhulu ngekusasa lezingcaphuno. Konke kuzoba yisibonakaliso esizokhombisa ukuthi ubudidekile kutshalomali, ngakho-ke, kuzoba ngcono ukulungisa izikhundla zokuthi ukulahleka kufakwe ngendlela eyingozi kuphothifoliyo yakho yokutshala imali.
Isimo esifana kakhulu nesangaphambilini sihlala ekubukeni kokunyakaza kwe-bearish ongakukhomba ngamashadi noma ngokuhlaziywa kwamanani. Kuzoba yindawo yokuqala ecace kakhulu kuwe ukuthi ushiye ukuphathwa kwamagugu. Ngokuqiniseka konke ukuthi kulezi zimo kuningi okufanele ulahlekelwe yikho ongakuzuza. Khumbula ngaphambi kokuba iphutha libhale ngaphezulu izinqumo zakho ezizuzisa kakhulu.
Kunoma ikuphi, kuhlale kunesixazululo, ngisho nenkinga enzima kakhulu ukuxazululwa. Kulokhu, ngizoqala ngokuhlaziya isici sobuchwepheshe senani. Kuzokhombisa ukuthi yisikhathi esifanele sokuthengisa nokuthi imali oyitshalile ingahle ibe nzima uma ungakhiphi i-oda lalezi zici ukulondoloza inhlokodolobha yezimpahla zakho. Ngokuqinisekile uzobe uthuthukise lesi sipiliyoni ngaphezu kokukodwa emsebenzini wakho omude njengomtshalizimali wesitoko.
Ukupheka okuyisikhombisa ukuphatha izimali zakho
Ngeke neze kulimaze uma ulandela izinkombandlela ezithile ezilula zokunquma ngasiphi isikhathi noma cha kulula ukuthi uphume emakethe ngezinzuzo ezinkulu zemali, noma ulinde amanani ukuthi aye ezikhundleni ezisezingeni eliphakeme. Futhi ngayo jabulela ezinye Inzuzo ethe xaxa yemali etholakalayo. Kodwa-ke, kuzoya ngezizathu zakho, iphrofayili oyivezayo, kanye nenani eliphelele lotshalo-mali. Lokhu kuzoba, ngamafuphi, ezinye zezinkinobho zokufeza izinhloso zakho ozifunayo.
- Akufanele naphansi kwezimo thengisa amasheya akho kuzimo ezinamandla emalini. Kodwa-ke imiholo yakho miningi kuze kube yileso sikhathi. Umqondo omkhulu wokuthi ukukhuphuka kungakwenza uhole imali eningi kakhulu kuzonqoba.
- Zama ukuthola ubuthakathaka bezimakethe zezezimali, futhi zenzeka ngemvamisa ethile, yebo-ke, kuzoba isikhathi sokuthi ubalule uma uzohlehlisa ukunyakaza kwakho emakethe yamasheya. Ukuhoxa ngesikhathi kungaba ukunqoba kulezi zimo esikubuza zona.
- Ungalokothi ugxile ezinhlosweni ezingaphelele noma okungenangqondo. Ngeke bakusize kunoma yini kutshalo-mali, okuphambene nalokho. Ungabheka ngisho nenzuzo ephansi njengesandulela sokuvala izikhundla ezimakethe zezimali.
- Uma izimo zemakethe yamasheya zeluleka kanjalo, esikhundleni sokuthengisa kufanele wenze okuphambene nalokho. Futhi kuleli cala kuzoxazululwa ngokubuyiselwa kwamasheya. Ngenhloso eyodwa yokukhuthaza ukuvuselelwa kwezimali zakho ozitshalile, kube ngamazinga anelisa kakhudlwana ezithakazelweni zakho njengokonga kulo mkhakha,
- Ungakhohlwa kunoma yiziphi izimo ukuthi iphothifoliyo yakho yokutshala imali kufanele isuselwe kumanani we-bullish. Yikho okuzonikeza ukuvikeleka okukhulu nokuvikeleka kuziphakamiso zakho. Ngisho nokwazi ukuthi ukuthambekela kwayo kungashintsha noma kunini. Noma ungakulindelanga.
- Uma ufuna ukuzethemba ngokwengeziwe ezindleleni zakho, ikhambi elihamba phambili lizosuselwa ku ukulandelwa kwecala eliphelele kuzilinganiso yamanani wemakethe yamasheya. Lapho zonke izindaba ezifanele ezikhiqizwe ezimakethe zezimali zifakiwe.
- Njengesidingo sokugcina, kuzohlala njalo kungcono ukuyishiya ngesikhathi ukuze ukwazi ukubambiswa ngempahla ngekusasa ukuphathwa okungalungile kwizibambiso ezibhalisiwe. Kumele ucabange ukuthi ekugcineni kosuku yimali yakho emayelana nalokho. Futhi hhayi ngalezi zinto ungeke udlale, futhi akuhloli.
Izikhiye zokuphathwa kahle
Ukuphathwa kwamasheya kuzothatha isinqumo sokuthi imisebenzi yakho iqedwe ngempumelelo noma cha. Ngaphandle kokufunda ukuthi ungafaka isandla ekugcinweni kwayo. Kufanele ube negazi eliningi elibandayo, kodwa ngaphezu kwakho konke ungazivumeli ukuba uhlaselwe yimizwa. Kuvamile ukuthi ezimweni ezithile ezingezinhle ukhethe ukuthengiswa kwamasheya akho njengesisombululo esizedlula zonke. Hhayi, kuzo zonke izimo kuzoba enye indlela engcono kakhulu.
Elinye icebo eliwusizo kakhulu kulezi zimo ukuthi utshala kuphela imali ongeke uyidinge ingxenye enhle yesikhathi. Bala izindleko okuzodingeka ubhekane nazo ngalesi sikhathiizibopho zentela, isikole sezingane, izikweletu zasendlini, nezindleko ezingajwayelekile ezingabonwanga kusabelomali sakho somndeni. Finyelela le nhloso uma ungafuni ukuthatha isimanga esingaphezu kwesisodwa ezinyangeni ezimbalwa ezizayo, noma eminyakeni.
Okunye okubaluleke kakhulu ukuthi kuhlala kulula ukwenza imisebenzi enenzuzo esikhathini esimaphakathi nesikhathi eside, kunaleso esifushane. Yize uma ubona ukuthi maduzane uzibeka esimweni sokuzuza kwemali, kungaba yisizathu esihle sokuhlehlisa izikhundla emalini noma kwezinye izimakethe ezihlukile.
Lezi zinhlobo zokusebenza zingenziwa ngaphansi kwezindlela ezahlukahlukene. Ngaphansi kokuthengiswa okuphelele noma okuyingxenye, kuya ngephrofayili oyivezayo njengomtshalizimali omncane. Ungabahlanganisa futhi kuye ngesimo ezimakethe zezezimali. Ngeke kuhlale kufana futhi lokho kuzokunika ukuguquguquka okwengeziwe kwalokhu okukhona. Emakethe yamasheya akukhuthazwa ukuthi kuvalwe kuzo zonke izindlela, noma ngabe zingabonakala zingenakwenzeka kanjani kuwe manje.