Izinto zokusetshenziswa zakheka njengenye ye ezinye izindlela zokutshala imali ezikhathini ezicishe zibe nzima. Ngenzuzo ongayikhetha izimpahla ezehlukene zezimali, kusuka kukhofi kuya kumasoya, ngoshukela. Kuneziphakamiso eziningi ozivulile ukwenza ukonga kube nenzuzo ngendlela engcono kakhulu. Lokho wukuthi, ngokusebenza okuphezulu ngenxa yokuthambekela kwezimakethe zayo. Kepha ukuba ngumkhakha onhlobonhlobo, unamasu ahlukile okwenza imisebenzi. Njengokukhethwa kwasekuqaleni futhi okusha kunakwamanye amacala anikezwa izimakethe zezezimali okwamanje.
Kusukela kule ndlela ekutshalweni kwangasese, kutholakala izinto zokusetshenziswa zezolimo ezikhathini zeminyaka eminingi. Kwezinye izimo, ngamanani angabonwa kusukela ngo-2015. Ngaphandle kwekhofi ye-Arabica, engaqoqa ukugeleza kwemali okufuna izimpahla zezimali ngokuthambekela okuzinzile nokwenyuka kancane. Kunoma ikuphi, ngayinye yalezi zinto zokusetshenziswa ikhombisa ukuvela okuhlukile. Ukuze ube nemininingwane engaphezulu yokwenza isinqumo, sizokukhombisa ukuthi kuyini ukuvela kwezinye izinto zokusetshenziswa ezifanele kakhulu.
Kuyindlela ehlukile inhloso yayo enkulu funa amathuba amasha ebhizinisi. Ngaphandle kwezimakethe zezimali, ngoba abatshalizimali abancane nabaphakathi abahlali nje kuphela emakethe yamasheya. Ngesikhathi lapho lezi zimakethe zingase ziqale indlela eyehlayo, yize abanye abahlaziyi bezezimali bengalungile futhi beveza ukuthi ezinyangeni ezizayo kungahle kube nokudangala kulezi zimakethe zezezimali. Noma ngabe isiphi isimo esingavela, kuzohlala kuthakazelisa kakhulu ukuthola umuntu ozomfaka esikhundleni ukuze ukwazi ukutshala imali yakho. Yize isemakethe engajwayelekile njengoba kuyiyona eyenziwe ngezinto zokusetshenziswa.
Izinto zokusetshenziswa: ikhofi njengempahla
Uma kukhona okokusebenza okuluhlaza okusebenzela njenge-exponent ukwenza noma yiluphi uhlobo lotshalo-mali, lokho akuyona enye ngaphandle kwekhofi. Ngaphezu kwalokho, kungenye yezimpahla zezimali lokho isici sobuchwepheshe esingcono unayo njengamanje. Ngoba impela, ngaphandle kokukhiqizwa okuqinile kwezinye izindawo zomhlaba wonke, kungazuzisa amanani. Ngeqiniso njengokukhonkolo njengokuncipha komkhiqizo waseBrazil. Ngokwezinga lapho ochwepheshe kule makethe beveza khona ukuthi ukuncipha kokuphakelwa kungenzeka kuzwakale kakhulu. Kunoma ikuphi, kungenye yezinto ezisikisela kakhulu zokusetshenziswa ukuthatha izikhundla kusuka manje. Yize kunezingozi ezihilelekile kulolu hlobo lokusebenza.
Kumele futhi sikhumbule ukukhiqizwa eColombia, izwe elikhiqiza ikhofi ngokwenza kahle kakhulu. Akunakulibaleka ukuthi ibhekene ne-15% yokukhiqizwa komhlaba. Yebo, idatha eseyaziwa ayikhombisi ushintsho olukhulu maqondana neminyaka edlule. Impela ipharamitha yokugcina esinayo yonyaka ka-2016 futhi lokho kukhombisa ukuthi umkhiqizo ikhule kulesi sikhathi cishe ngama-30%. Kodwa-ke, ukushiyeka kwale mpahla yezezimali ukuthi kuzofanele uye ezimakethe zomhlaba ukuze uthathe izikhundla. Ngaphandle kokuthi ukhethe isikhwama sokutshala imali salezi zici. Kepha kunoma yikuphi, kungenye yezinto zokusetshenziswa okufanele uzicabangele kusukela manje kuqhubeke. Yize kunokuguquguquka okukhulu kunezinye iziphakamiso zokutshala imali.
Ushukela, ongaziwa phakathi kwabatshalizimali
Vele, kunezinketho ezimbalwa eziphindaphindekayo phakathi kwabatshalizimali. Futhi ngaphandle kokungabaza le nto eluhlaza ingenye yazo. Akumangalisi ukuthi kungenye yezinto ezinkulu ezingaziwa ngabathengisi. Akufanele ikhohlwe ukuthi kuze kube manje, i- Ukukhiqizwa kukashukela waseBrazil, umkhiqizi omkhulu kamoba onesabelo somhlaba esingu-22%, uqoqa ukukhula okusondele ku-6% ngonyaka. Kodwa-ke, ubungozi buphakeme kakhulu kunezinye iziphakamiso ngenxa yokungazinzi okuphezulu kwale mpahla yezezimali. Futhi lokho kubekelwe iphrofayili ephambene echazwe kahle. Lapho kufunwa khona inzuzo esiphakamisweni esivame kakhulu esinolaka.
Enye imininingwane enentshisekelo ekhethekile yilelo elibhekise kwi-European Union. Yebo, kulo mzimba kulinganiselwa ukuthi kungakapheli iminyaka eyishumi, ukukhiqizwa kukashukela kule ndawo yezomnotho izokwenyuka ngo-6% uma kuqhathaniswa namazinga wangonyaka odlule. Ngakho-ke kungenye yamathuba okufanele uhlole ukuthi unawo kuphothifoliyo yokutshala imali. Mhlawumbe eceleni kwezinye iziphakamiso, kufaka phakathi lezo eziphuma kumasheya. Kodwa-ke, kunokwehluka okuqinile okufanele ukuhlole kusukela manje kuqhubeke. Akuyona enye into ngaphandle kokuthi ekukhuleni okuqinile kokuhlinzekwa, abahlaziyi kule makethe yezezimali ababoni ukuthi amanani kashukela abuya. Lokhu kungaba yizindaba ezimbi ngezintshisekelo zakho futhi uma ekugcineni uzothatha izikhundla kulokhu okubalulekile okuluhlaza.
Ukhokho, ngokunyuka okungu-18%
Enye yezinto zokusetshenziswa lapho ungadalula khona imali oyongile ngokungangabazeki i-cocoa. Kuze kube yiminyaka embalwa edlule, ibingenye yezinkampani ebezikhiqiza imali ephezulu kakhulu ngokusebenza kwayo. Kepha kuliqiniso ukuthi izinto sezishintshile futhi izinto azisafani nakuqala. Lapho okwamanje, iqiniso eliphawuleka kakhulu ukuthi ukukhiqizwa kukakhokho kukhuphuke ngo-17% uma kuqhathaniswa neminyaka edlule. I- izici zezulu Izibikezelo zale mpahla yezezimali zishintsha usuku nosuku, futhi kunoma yikuphi okunye okunzima kakhulu ukuvula izikhundla ngaphambi kokuphela konyaka. Lapho esinye sezici ezibaluleke kakhulu ezizothinta ukukhiqizwa kwaso sisuselwa kusomiso esinzima iBrazil ebhekene naso. Omunye wabakhiqizi ababaluleke kakhulu emhlabeni futhi lokho kunquma kakhulu intengo kakhokho ezimakethe zezezimali.
Kunoma ikuphi, ukuma kwayo nakho kuyinkimbinkimbi kakhulu ngoba kuzodingeka uye ezindaweni zomhlaba wonke ukwanelisa lesi sidingo esikhethekile. Ukugwema noma yiluphi uhlobo lwezinkinga, isu elihle kakhulu lokuthatha izikhundla kokunye kwezinto zokusetshenziswa ezibaluleke kakhulu njengecocoa lingabonakala ngezimali zokuhwebelana, eyaziwa kangcono njenge-ETFs. Kuyinhlanganisela yokuthenga nokuthengisa amasheya emakethe yamasheya nezimali ezihlangene. Kepha ngamakhomishini athe xaxa kunaleyo mikhiqizo yezezimali. Ngakolunye uhlangothi, unezimali ezahlukahlukene zokucabanga ngalokhu kutshalwa kwezimali kwasekuqaleni njengamanje.
Izingozi zale misebenzi
Kunoma ikuphi, ukutshala imali kulezi zinto zokusetshenziswa kuhambisana nochungechunge lweziphazamiso okufanele uzihlole ukuze unqume ukuthi kulungile yini kuwe ukwenza le misebenzi ekhethekile. Hhayi nje kuphela ngenxa yobulukhuni bokusebenza kwayo, kepha futhi nokuthi kuzodingeka ushiye imingcele yethu uyokwenza lolu hlelo olusha lokutshala imali. Vele, ngeke ube lula njengoba kuzodingeka ubhekane nobunzima obuningi. Ngaphezu kwalokho ongakucabanga kusukela ekuqaleni. Lezi ngezinye zezinto ongazithola endleleni.
- Akuyona imali ejwayelekile kakhulu ngakho-ke kuzodinga ulwazi olujulile zezimakethe zabo. Lapho noma iliphi iphutha lokubala lingakhokhwa kakhulu kusuka manje kuqhubeke. Kuphela uma unolwazi emisebenzini yabo lapho uzoba nomugqa omkhulu wokuxhumana nalezi zinto zokusetshenziswa.
- Noma isiphi isigameko, noma ngabe sincane kangakanani, singathinta intengo yalezi zimpahla zezimali. Ngalesi sizathu kunjalo Kunzima ukulungisa amanani entengo wokungena nokuphuma kulezi zimakethe zezimali. Ngengozi enkulu kuyo yonke imisebenzi oyenza ibe semthethweni kusukela manje kuqhubeke.
- Kuwutshalomali oluyinkimbinkimbi kangangoba kudingeka imikhiqizo yezezimali engavula izikhundla kulezi zinto zokusetshenziswa. Kanye nezinye izimpahla zezezimali njengokulungiselela izimali zokutshala imali noma ama-ETF. Njengenye yamaqhinga asetshenziselwa ukwehlukanisa utshalomali ngendlela eguquguqukayo.
- Akuyona imali efaneleke kakhulu kuwo wonke amaphrofayili wabatshalizimali abancane nabaphakathi. Kepha kuphela kwabanolaka kakhulu futhi abafuna ukuzibeka engcupheni ukuze bathuthukise amazinga abo wenzuzo. Njengoba kunikezwe inzalo ephansi yemikhiqizo yasebhange (imali yesikhathi, amanothi wesethembiso noma amabhondi). Lokho kuyaqabukela kweqa amazinga we-1%, futhi lokho kubonisa ukunganeliseki kwabasebenzisi.
- Kuyinto utshalomali olunjalo kude nezindabuko zendabuko lokho akudingi amasu afanayo owasebenzisile kuze kube manje kwesinye isigaba sezimpahla zezimali. Kufike ezingeni lokuthi usebenzise izindlela ezintsha zokusebenza ukufeza izinhloso zakho.
- Ingozi i-latent kakhulu kunezinye izinhlobo zotshalo-mali. Lapho ungathola khona imali eningi ngesikhathi esifushane. Yize ngesizathu esifanayo ungashiya ama-euro amaningi endleleni. Ngisho nokushiya imbobo ebalulekile kubhalansi ye-akhawunti yakho yokubheka. Ngalesi sizathu, kufanele uqaphele kakhulu ekukhetheni izinto zokusetshenziswa. Ukuthatha izingozi ezimbalwa kunokubonwa kusengaphambili.