Lo nyaka, naphezu kwazo zonke izingqinamba, kudale isimo esishubile emuva ezimakethe zezimali ngemuva kweminyaka engaphezu kwemithathu ngaphandle kokuba khona kwakhe ekusebenzeni. Yiqiniso, yisimo esisha esiphoqe abatshalizimali abancane nabaphakathi ukuba baguqule amasu athile ekuhambeni kwabo kumasheya. Ngisho nakubaphathi ngokwabo obekufanele bathengise imikhiqizo emisha yezimali lapho kubhekwa khona lesi sici esikhethekile.
Kodwa-ke kunenothi elihle kulokhu umkhuba ezimakethe ezehlukene zezezimali. Akukho okunye ngaphandle kokuthi ukwanda kokungazinzi kungaba yisiginali ongayikhetha amathuba amasha ebhizinisi kusuka manje. Kokubili ngenxa yoshintsho lwecebo lokutshala imali nalezo ezibhekisa ekusetshenzisweni kwemikhiqizo emisha yokutshala imali. Ngenhloso yokwandisa amamaki wenzuzo kokunye okwenziwa ngabasebenzisi ngokwabo.
Kulesi simo esivamile, kuzofanele uvume kusukela manje ukuthi kungahle kube inqubo enhle kakhulu ukuvikela izintshisekelo zakho emkhakheni wokutshala imali. Lapho okuwukuphela kwento okuzodingeka uyishintshe uhlelo lokutshala imali ebelusebenzisa kuze kube yilezi zikhathi eziqondile. Akumangalisi ukuthi kuyimodeli ehlukile yokuphatha. Akungcono noma kubi kunabanye, kepha kulungiswa kwizimo ezintsha zezimpahla zezimali. Kunoma ikuphi, uzodinga ukuguquguquka okukhulu ukuze uthuthukise le misebenzi ngoba uzoba semakethe engafani neyangaphambili.
Amathuluzi wokulwa nokungazinzi
Akungabazeki ukuthi elinye lamasu adume kakhulu okuphatha ubungozi lifaka iqiniso lokuthi yini okwenziwa njenge ukwehlukaniswa kwemikhakha. Kuyindlela esetshenziswa inani elikhulu labatshalizimali futhi ikakhulukazi labo abanolwazi oluningi ekusebenzeni okwenziwa ezimakethe zokulingana kwezezimali. Ukwehlukaniswa kwemikhakha akuphuthumi kuphela. Kepha kusebenza futhi ngezindawo zezomnotho noma ezindawo. Lokhu kusebenza kusho ukuthi akufanele uzikhawulele kunoma iyiphi indawo efakwa kuhlu. Kepha kunalokho okuphambene.
Ngalo mqondo, enye ye- izinhlelo ezisebenza kangcono onayo kusesandleni ukungenisa ukusatshalaliswa okulinganayo okuphendula izindawo ezifanele kakhulu kumasheya. Futhi lokho kuzoncika kuphrofayili oyethula njengomtshalizimali omncane noma ophakathi nendawo ngaso sonke isikhathi. Okungukuthi, ulaka, ukuqagela, okuphakathi noma ukuzivikela. Ukuthi izonikeza imihlahlandlela edingekayo yokwakha iphothifoliyo yokutshala imali elinganiselwe ngokuphelele futhi lapho ungabona khona ukungazinzi njengento ebhalwe ezimakethe zezezimali.
Ukusetshenziswa kokutshalwa kwemali okuhlukile
Akungabazeki ukuthi leli qhinga lingasiza kakhulu izintshisekelo zakho. Ngoba ungakhetha amamodeli wokutshala imali kuze kube manje ubungakucabangi ukuba khona kwawo. Zingavela ezimakethe ze izinto zokusetshenziswa, izinsimbi eziqondile noma ezinye ezikhiqiza imali engenayo eguquguqukayo. Phakathi kwezinye izizathu ngoba zingaba nokusebenza okungcono kunalokho okubizwa ngempahla ejwayelekile yezezimali. Ngaphezu kwalokho, ingxenye enhle yalolu tshalo-mali olwenziwa ngenye indlela yenziwe njengezindawo zokuphepha lapho iheha khona imali kubatshali zimali.
Ngakolunye uhlangothi, ezinye zalezi zinketho zikhombise ukuvuselelwa okuthakazelisa kakhulu eminyakeni yamuva. Kwezinye izimo ziphansi amazinga angaphezu kwama-20% nokuthi noma kunjalo zingamamaki imakethe yamasheya engeke ikunikeze ngalesi sikhathi. Noma-ke imikhiqizo etholakala emalini engenayo emile ngenxa yenani eliphansi entengo yemali njengomphumela wezinqubomgomo zemali ezakhiwe amabhange amakhulu ezindawo ezinkulu zezomnotho. Ngale ndlela, le nketho ingaba yithuba elihle kakhulu lokwenza imali enenzuzo engxenyeni yokugcina yonyaka. Ngale kokunye ukucatshangelwa kwezobuchwepheshe.
Imikhiqizo emiselwe ukuguquguquka
Vele, kuhlale kusetshenziswa le mikhiqizo yezezimali njengendlela yokuphuma kuzikhuthazo ezimbalwa zezimakethe zezimali zendabuko. Inkinga enkulu yalokhu kubheja kotshalomali ihlala eqinisweni lokuthi kuzofanele uye ezikhwameni zokutshala imali ukwanelisa lesi sidingo esikhethekile onaso. Ngoba empeleni, kulapho kufakwa khona lezi zici, ezixhumene kakhulu nalokho sonke esikuqonda njengokuguquguquka. Yize ngamasu ahlukile maqondana nokuthi ungalusebenzisa kanjani utshalomali. Kunoma ikuphi, kuyindlela ecace kakhulu futhi kuphela isebenza isikhathi esifushane kakhulu.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi isisekelo salezi zinhlobo zokonga sakhiwe ngesisekelo senzuzo yazo siphezulu izimo ezingezinhle kakhulu yezimali. Yilapha impela lapho ihlangana khona kakhulu nokulindela kwayo kokubonga. Ukufika lapho kuqhamuka ukugeleza kwemali okubalulekile okusuka kumikhiqizo ejwayelekile kakhulu kuye kulezi zinhlobo ezihlukile zokutshala imali. Yize kubalulekile ukwazi ukuthi kufanele uwafake nini ngoba kungenye yezikhiye zokwenza ngcono izimpahla zakho siqu noma zomndeni.
Imisebenzi yokuhweba
Unenye futhi insiza yokwenza inzuzo enkulu yemali esitatimendeni sakho semali engenayo, yize isuka kunendlela enolaka kakhulu. Kufika ezingeni lokuthi ubeka izingozi eziningi kakhulu kunalezo ezenziwe ngemibono yangaphambilini. Kwanele ukuthi uyazi ukuthi ungalahlekelwa yimali eningi ekusebenzeni futhi-ke ngaphezu kwalokho okubalwe ekuqaleni. Imayelana nokukuqondisa ekusebenzeni okwenziwayo esikhathini esifanayo sokuhweba noma i-intraday njengoba aziwa ngabatshalizimali abanolwazi oluningi kulesigaba sokunyakaza ngokukhethekile.
Yebo, leli su lingazuza ngokubonakala kokuguquguquka ezimakethe zezezimali. Ngoba lokhu kuhamba kuhamba ukwehla okubonakalayo kwamanani abo. Ngokuqina okuphawuleka kakhulu phakathi kwezintengo eziphakeme nezincane. Kepha akukho okunye ongakwenza ngaphandle kokwazi ukuthi ungasebenza kanjani kulezi zimo ezinzima. Akumangalisi ukuthi bonke abasebenzisi bayakwazi ukwenza le misebenzi edinga isiyalo esibaluleke kakhulu ukwazi ukuthi angawahlonipha kanjani amazinga wokungena nokuphuma kwempahla yezezimali. Njengokutshalwa kwezimali okumbalwa lezi zakhiwo zinikezwa.
Bheka inzuzo engaguquguquki futhi yokugcina isikhathi
Ngokuphambene nalokho, abatshalizimali abavikela kakhulu kuleli cebo enye yezinsika zabo ukuqhubeka nokwenza ukonga kwabo kube nenzuzo. Ungabathola ezikhwameni zokutshala imali ngokwabo njengoba kunamamodeli athile ahlinzeka lesi sici esikhethekile. Kodwa-ke, inani lenzalo elinikezwa yile mikhiqizo aliphezulu kakhulu impela. Uma kungenjalo, ngokuphambene nalokho, bahamba ngemfoloko leyo kusuka ku-3% kuya ku-5%. Nesiqinisekiso sokuthi uzobuyisa iminikelo oyongile kanye nenzalo ehambisanayo. Kepha ngaphandle kokuthi ukwazi ukuthola ukubuyisa okumangazayo, njengoba kunjalo ngezimali zendabuko ezithe xaxa ezinikezwa ngabaphathi noma abalamuli bezezimali.
Kunoma ikuphi, kungenye indlela yokuphuma ezikhathini ezinzima kakhulu ezimakethe zamasheya. Ngoba ekugcineni kosuku uzoqhubeka nokuthola umklomelo wokufika ngesikhathi kulondoloziwe kusuka izindlela ezilula kakhulu zokuziqedela. Lesi sigaba sezimali asiqukethe okunikezwayo okunamandla kakhulu, kepha ngokubuyisela sinikeza ukuphepha esitatimendeni sakho semali engenayo. Ikakhulukazi ekutshalweni okuhloselwe isikhathi esimaphakathi nesikhathi eside. Ukuze ngale ndlela, usesimweni esihle kakhulu sokwakha isikhwama sokonga esizinzile esifanele ukwenziwa kube semthethweni.
Izintela ezixhunyaniswe nemakethe yamasheya
Kuyindlela yokugcina ukubhekana nezikhathi ezingazinzile kakhulu emakethe yamasheya. Ngoba uzohlala uthola intshisekelo, yize kuliqiniso ukuthi kungenye yezinto ezincane kunazo zonke ongagxila kuzo kusukela manje. Akumangalisi ukuthi isu lakho lokutshala imali lincike ekutheni ukuphepha kudlula ingozi. Okokuqala, kuqinisekisa ukuthi ungaba nemali engenayo engaguquki minyaka yonke, cishe imbuyiselo encane ezungeze i-1,50%. Bangase bangakuniki okuningi kusukela ekuqaleni, kepha lapho ubona ukuthi izimakethe zezimali ze-equity zehla kancane kancane, ungashintsha umqondo wakho. Ngoba kunento eyodwa eqinisekile futhi lokho ukuthi kusuka kule mikhiqizo yasebhange ngeke ulahlekelwe yi-euro eyodwa.
Kuyisigaba samadiphozithi asetshenziswa ngamandla amancane ekunikezelweni amabhange abekade ekuthuthukisa. Awusenamamodeli amaningi njengoba ubunamacala ambalwa adlule. Kepha uma kwenele ukwanelisa lesi sidingo onaso esikhathini esikhetheke kakhulu sempilo yakho. Ngenkathi yokuvuthwa eqhubeka phakathi kwezinyanga eziyi-12 nezingama-36 ukuze zikwazi ukuzivumelanisa nephrofayili yakho njengomtshalizimali omncane naphakathi. Yize ngobubi obukhulu ukuthi ngeke ukwazi ukubakhansela kusengaphambili ngoba izinhlawulo zabo ziphakeme kakhulu. Ngamanani angafika ku-2% enhlokodolobha etshaliwe.