Abatshalizimali bangakhetha kusuka kuziteshi ezahlukahlukene zolwazi ukuthola isimo samanje sokutshala kwabo imali. Njalo ngokuya ngezidingo zakho, futhi phakathi kwalokho okuvelele ukufinyelela kokusha amasevisi kwezobuchwepheshe. Banikezwa izikhungo zezezimali kumakhasimende abo ukuze ngale ndlela ukulandelwa okuphelele kweseshini ngayinye yokuhweba kungalandelwa. Kusuka noma yikuphi, noma ngabe ngamaholide noma ukuhlala phesheya.
Kujwayelekile ukuthi abanye abatshalizimali, ngemuva kokwenza imisebenzi yokuthenga emakethe yamasheya, bayishaye indiva intengo yabo isikhathi eside noma esincane. Lezi zenzo zingaveza izimo ezingemnandi kakhulu futhi ngokumangala okunye okungekuhle izintshisekelo zabatshalizimali abancane nabaphakathi. Lesi yisizathu esikukhuthaza ukuthi ube ngaphezulu kakhulu okusalindwe ukucaphuna yamanani wemakethe yamasheya.
Inkinga ilele esikhathini esifanele sokuzibuza ukuthi kufanele uthole kuphi ukuthi utshalomali lwakho kumasheya lunjani, yiziphi iziteshi ongazisebenzisa ukuhlola isimo sotshalomali lwakho noma yiluphi ulwazi ongaluthola mayelana nenani. Ngalo mqondo, ungaya kwababili imithombo yolwazi ezifinyeleleka kalula. Ngakolunye uhlangothi, ebhange uqobo lapho kufakwa khona i-akhawunti yakho yezokuphepha. Futhi, ngakolunye uhlangothi, ngokuya kwabezindaba ezikhethekile.
Ukulandelela: kanjani?
Kowokuqala wemithombo, ibhizinisi lapho lisebenza khona njalo lizokwazisa ngokuthengwa okwenziwe, kanye noshintsho olwenziwe, kepha kungalokothi kube nokuvela kokufanayo okuzothwalwa ngumtshalizimali. Kepha ikunikeza ngamathuluzi ukuze ukwazi ukulandelela kahle utshalomali lwakho. Kungalandelwa futhi ngokusebenzisa i- ukubhenka ngocingo lokho kuzokunikeza inani lentengo yakho oyitshalile ngesikhathi esidingekayo, kodwa nokunciphisa ukuthi kusebenza isikhathi esithile, mhlawumbe ngoba ufuna ukuthengisa noma ukumane ungazi ukuthi inani libiza kanjani ngemuva kwesikhathi eside ngaphandle kokwazi ukuguquka kwemakethe yayo yamasheya.
Indlela ephumelela kunazo zonke ngakho-ke ngebhange. on line enikeza imininingwane ngesikhathi sangempela kuzo zonke izintengo zezinkomba eziyinhloko zomhlaba jikelele. Kusukela noma yikuphi lapho uya khona, ekuvumela ukuthi ushintshe ukusebenza ngokuya ngemininingwane emisha: yenza ukuthengisa okuphelele noma okuyingxenye, sebenzisa a ukuyeka ukulahleka, buybacks, njll. Futhi, ngenzuzo enkulu yokuthi kungenziwa kokubili kusuka emsebenzini, ekhaya noma eholidini, noma ngabe uya endaweni yomhlaba wonke. Uzodinga kuphela iphasiwedi izokunikeza yona ibhange ukufinyelela lolu lwazi futhi usebenze nebhizinisi.
Imidiya
Okwalabo abangakwazi noma abangenakho ukufinyelela emabhange online, Isixazululo sale nkinga kuzoba njalo ukuya kwabezindaba, ikakhulukazi labo abakhethekile. Onke amaphephandaba abezindaba kazwelonke ahlinzeka ngemininingwane ngentengo yezibambiso zokulingana, yize amanye awo enikeza kuphela lawo afakwe ohlwini ku- “IBEX 35”. Kumele futhi kubhekwe ukuthi lolu lwazi oluzotholakala luzoba ngolosuku lwangaphambilini, hhayi kusuka kumhlangano ofanayoNgakho-ke, kuzoba imininingwane ekhomba kuphela, enganqumi ukufaka isicelo ekusebenzeni noma ezikhathini zesikhashana kakhulu.
Kulokhu, kungcono ukuya kweminye imithombo ezonikeza imininingwane, uma kungenjalo ngesikhathi sangempela, yebo kuhlehlisiwe kodwa ngemizuzu embalwa ukubambezeleka. Kutholakala nge-Intanethi njengoba iningi lezimakethe zamasheya nemininingwane yolwazi lwezomnotho kunikeza lokhu kungenzeka, futhi kukhombisa ivolumu yokuhweba, ubuncane kanye nezilinganiso zesikhathi ngasinye sokuhweba, phakathi kweminye imingcele. Banethuba lokuthi ezimweni eziningi, akudingeki ukuthi ubhaliswe ukufinyelela noma iyiphi yalezi zinsizakalo, kepha kunalokho, bavumela ukufinyelela kwabo ngokukhululeka.
I-inthanethi noma iselula
Okwalabo abangenakho ukufinyelela kwe-inthanethi Isixazululo ngesikrini esincane, kepha kulokhu ngesevisi yezingcingo lapho imininingwane yemakethe yamasheya yentengo yosuku nayo ingatholwa, futhi yize inokubambezeleka okuncane emininingwaneni yayo, ingasebenza ngokuphelele kunoma yisiphi isimo esiphuthumayo isimo ngenxa yokungabi nezinye izindlela zokuthola lolu lwazi.
Esinye sezixazululo eziphumelela kakhulu abatshalizimali abancane nabaphakathi abanaso yileso esinikezwa ngumakhalekhukhwini ngokuxhuma esiteshini esinale nsizakalo futhi, esivumela ukusebenza kwesikhathi sangempela Imakethe Eqhubekayo nasekuhwebelaneni kwamazwe okubaluleke kakhulu, kanye nokuthola izinkontileka zesikhathi esizayo nezinketho emakethe ye-MEFF (imakethe yesikhathi esizayo yezezimali yaseSpain) kanye nezimakethe ze-Eurex (ezimakethe zezimakethe zezimali zaseYurophu). Ngale nsizakalo ungasebenzisa futhi amathuluzi azosiza umsebenzisi ukuthi azenzele izinqumo zokutshala imali.
Sebenzisa eholidini
Kunoma ikuphi, ezimeni zohambo lokuzijabulisa noma ukumane unqamule inqubo ejwayelekile yansuku zonke, kungcono ukukhohlwa izinsuku ezimbalwa ukuthi izimali zethu ziguquka kanjani futhi lokhu kungafinyelelwa ngecebo eliphindwe kabili elitholakala kuwo wonke umuntu. Okokuqala ukushiya ama-akhawunti ethu ku- isamba semali esiphelele, okungukuthi, ukususa izikhundla zokuthenga ukuqala inqubo yokuthenga lapho befika kusuka ohambweni.
Futhi, okwesibili, ngokusebenzisa ama-oda anemibandela azobangela ukuthi izikhundla zokuthenga zihlehliswe ngentengo ethile. Kulula kakhulu ukuzisebenzisa futhi kuzovumela umsebenzisi ukuthi achithe izinsuku ezimbalwa enokuthula okuphelele kwengqondo lapho eya khona azi ukuthi i-oda labo lizofakwa ngenkani uma lifinyelela intengo esiyinikezile yokuthengisa amasheya, okungenzeka aqondane, ngokwesibonelo, ngezinga lokumelana. Lesi sakamuva siyindlela eluleke ngokukhethekile ye- Izikhathi zokuphumula njengehlobo, iPhasika noma uKhisimusi. Futhi, ngaphandle kwanoma iyiphi ikhomishini noma imali ekhokhwayo evela ebhange noma ebhange lokonga.
Amasu okufanele afezwe
Kuzitshalomali zesikhashana esifushane, kubaluleke kakhulu kakhulu ukwazi ukuthi ukuphepha kuphothifoliyo yethu yokutshala imali kubiza malini. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe ngisho nasendaweni yokubuka izisekelo zayo. Lokhu kungenxa yokuthi ukusebenza kwe- ukuthenga nokuthengisa kumele zenziwe ngobukhali obukhulu. Ngisho emahoreni ambalwa uma izimakethe zezezimali ziyeluleka. Ngalo mqondo, ngeke sibe nenye indlela ngaphandle kokuba nethuluzi elingajwayelekile elisinikeza intengo yezimpahla zezimali ngesikhathi sangempela.
Ngakolunye uhlangothi, uma utshalomali luzoba nesikhathi eside sokuhlala unomphela, akuphuthumi kangako ukuthatha lesi sinyathelo. Kepha noma kunjalo, kunconywa kakhulu ukuthi ube ne- imininingwane efika ngesikhathi futhi ejwayelekile yesimo esiqondile sokuhamba kwethu ezimakethe zezimali. Uma kwenzeka, kwesinye isikhathi noma okunye, kuyadingeka ukushintsha isu lethu lokutshala imali. Ngalo mqondo, ungakha uhlelo olulawula ukuthuthukiswa kokutshalwa kwezimali emakethe yamasheya ngendlela eyiyo kakhulu. Noma ngabe iyiphi iphrofayili oyinikelayo njengomtshalizimali omncane naphakathi. Lesi isinyathelo esingakulethela izinzuzo ezinkulu kusukela manje.
Izicelo zokutshalwa kwezimali
Kunoma ikuphi, kuzofanele ukhathazeke ngokweqile kusukela manje ngoba ungalanda uchungechunge lwezinhlelo zokusebenza zobuchwepheshe ezibhekele ukuphatha izimali zakho. Ngaphezu kwalokho, ngenzuzo enkulu yokuthi bakhululekile futhi bangashintshwa kunoma iyiphi ithuluzi lobuchwephesheNoma ngabe kuyini, ayikho imikhawulo kulesi sici sobuchwepheshe. Ngakolunye uhlangothi, akufanele ukhohlwe ukuthi lezi zinhlelo zokusebenza zikunikeza izinsizakalo eziningi kakhulu kunalokho ongakudinga ekuqaleni ukwanelisa lesi sidingo esithile nokuthi le ndatshana iyisihloko sini.
Ngenkathi wenze okuphambene nalokho, ungazivumela ukuthi uhlaziye futhi uhlole ukuthi yimaphi amanani ashisayo kakhulu okwamanje. Ukuze ukwazi ukungena noma ukuphuma ezimakethe zokulingana ngeziqinisekiso ezinkulu zempumelelo. Ngamafuphi, yi- ithuluzi lokho akufanele kulahleke kunoma yiliphi isu lokutshala imali ozolenza kusuka kulezi zikhathi eziqondile. Akumangalisi ukuthi awukwazi ukwenza ngaphandle kwentuthuko yakamuva yezobuchwepheshe ukukusekela ekwenzeni izinqumo ezinhle kakhulu emhlabeni onzima wemali. Akusekho okungaphansi.
Ngoba ekugcineni kosuku okumayelana nokwenza ukonga okunenzuzo ngeziqinisekiso ezinkulu zempumelelo nangazo zonke izisekelo ezikhona, ikakhulukazi lezo ezitholakala kubuchwepheshe obusha. Manje usunethuba lokufaka le modeli entsha yokutshala imali engangikusiza kakhulu ukuhambisa yonke imisebenzi yakho ezimakethe zezimali. Ngale ndlela, uzobona ukuthi, kusukela manje kuqhubeke, izinto zizoba ngcono kakhulu kuwe ngokuphepha okuthola ezinkampanini. Kuze kube seqophelweni lokuthi uzofinyelela esiphethweni sokuthi bekukufanele ngempela ukusebenzisa lolu hlelo lolwazi ukuqapha amanani emakethe yamasheya.