Uma uwena onenhlanhla nge-jackpot yelotto likaKhisimusi, siyakuhalalisela, kungenzeka ukuthi awukaze uxazululwe impilo, kepha uma wenza inzuzo ngendlela efanele, uzobe usuyifezile inhloso yakho, futhi mhlawumbe awusadingi ukusebenzela abanye wezinsuku zakho. Ngokuqinisekile uzokwazi ukuthi uma ungumnikazi womklomelo weshumi kulo mdwebo wendabuko phakathi kwabaseSpain, uzoba isembozo sezindaba eziningi ngoba uzobe uthinte ama-euro ayizi-400.000. Yize kungeyona yonke into ezoya ku-akhawunti yakho yokuhlola, ngoba izintela zizothatha ingxenye engacabangi yaleli nani.
U-20% wentengo yakho uzoya eMgcinimafa, futhi ngenxa yalokho, inzuzo ephelele yokusebenza izoba ngama-euro ayi-320.000. Futhi ngeke kube kubi nakancane, ucabanga ukuthi ungakwenza kube nenzuzo enkulu, ukuyisa emikhawulweni engalindelekile ngokushesha nje lapho izimakethe zezezimali zisekela utshalomali lwakho. Kunoma ikuphi, kuzoba ngokuhambisa le dolobha obukade ungenayo nhlobo.
Kuzoba yithuba elihle lokuklama imodeli yokutshala imali ezokwandisa kakhulu inhlanhla yakho entsha. Ungahle ungazi, kepha ngaphambi kwakho uchungechunge lwemikhiqizo yezezimali ukufeza lezi zinhloso, kubalwa kumatilasi oqinile uma kwenzeka izinto zinikezwe kabi ekuphathweni kwayo.
Ngokushesha nje lapho ukutshalwa kwemali kukusiza, uzothola umcebo wakho ukwanda phakathi kuka-10% no-20%. Lokho wukuthi, ngomklomelo wakho wama-euro angu-320.000, kuzoba ngama-euro angama-390.000. Ukuzimisela ukukujabulela ekuhambeni, ubumnandi bempilo, futhi kungani kungenjalo, komunye umsebenzi wezenhlalakahle ukusiza abanye, labo abakudinga kakhulu.
Ukufeza le njongo eyela ngasocansini, kufanele uhlangabezane nezimfuneko ezintathu kuphela. Yiba ngumuntu ophumelele okweshumi, hlela isu elifanele lokutshala imali ukuze likwenze kube nenzuzo, futhi-ke, ukuze liphumelele. Kepha ungakhathazeki, uma ungazi ukuthi ungayithuthukisa kanjani, sizokusiza ukukufeza. Ngochungechunge lweziphakamiso, okungekho nzima ngokweqile ukulufeza, futhi okuyiqiniso, lokho kuzodinga cishe yonke imali yakho ukwenziwa.
Ukhiye wokuqala: nquma ngesikhwama
Ngokusho kwabanye abahlaziyi bezimakethe zamasheya unyaka olandelayo kungaba unyaka wezimali zaseSpain, ngemuva komjaho odumazayo ngonyaka ka-2015 lapho i-Ibex 35 ibimile, emazingeni afanayo nasekupheleni konyaka wezi-2014, ngenxa yalokho - phakathi kweminye imiphumela - yokungaqiniseki okwenziwe ukhetho lokhetho olwenzeke kulokhu isikhala sezulu.
Uma sekucacile, kungaba yisikhathi sokutshala inani le-jackpot kumanani asalele kakhulu enkomba. Futhi ngalo mqondo, lezo ezihlobene nezinto zokusetshenziswa zingamakhulu kakhulu amathuba okuba ngabazongenelwa ukubaqasha. Uma bethola kuphela ingxenye yalokho abakulahlekile kulo msebenzi, kuzomela ukuthi utshalomali lwakho luzoliphinda kabili inani lemali oyitshalile.
Kodwa-ke, kuyisiphakamiso esinolaka kakhulu, okuyi kungenziwa lwentiwe ngokusebenzisa diversification ekukhetheni izibambiso ngokusebenzisa izibambiso ezivela emikhakheni ehlukeneUngakhetha ngisho ukufaka kuphothifoliyo yakho yokutshala izimali okunye ukumelwa kwezinkampani ezibalwe kwamanye amasheya wamazwe omhlaba, kufaka phakathi ukumelwa okuncane kwalabo abasafufusa.
Ukhiye wesibili: ukwehlukanisa utshalomali lwakho
Ekugcineni, uma ungafuni ukusaphaza ingxenye yomholo wakho, ngeke ube nenye indlela ngaphandle kokukhetha ukwehlukaniswa okukhulu kwemali oyilondolozile. Njengefomula yokuqinisekisa iminikelo eyenziwe. Ngemali engenayo engaguquguquki neguquguqukayo, kodwa ngaphandle kokukhohlwa ezinye izinhlobo, futhi nemikhiqizo yokonga yendabuko (amabhondi, amadiphozithi, amanothi ezethembiso zebhange, njll.). Ngale ndlela kuphela lapho uzokwazi ukuqinisekisa ukusebenza okuncane, yize ungakhanga kakhulu.
Uma ufuna ukuzola kancane ezinyangeni eziyishumi nambili ezizayo, unenye inkontileka yesikhwama sokutshalwa kwezimali esixubekile, lapho izimpahla ezivela kumali engenayo engaguquguquki neguqukayo zifakiwe kuphothifoliyo. Kungaba okuthakazelisa kakhulu uma kungabuye kuguquguquke, ukuze ikwazi ukuzivumelanisa nanoma yimuphi umkhuba ezimakethe zezezimali, noma ezimweni ezingezinhle neze.
Ngale ndlela, uzonikeza ukuvumelana okuthe xaxa kulondolozo lwakho, futhi utshalomali lwakho lungaba nokuvela okuhle, phakathi kuka-5% no-10%, uma belandela imiphumela efanayo neyeminyaka edlule. Njengomphumela walesi simo, uzothola phakathi kwe-15.000 ne-30.000 euro eyengeziwe ngokushaywa yinhlanhla okukhiqiziwe, futhi ngaphandle komzamo omkhulu ohlangothini lwakho.
Ukhiye wesithathu: ukufuna inketho ephephe kunazo zonke
Uma, ngemuva kokuba ngumamukeli womklomelo obaluleke njengoKhisimusi, ushintsha isu lakho bese ukhetha imodeli ephephe kakhudlwana, ngeke ube nenye indlela ngaphandle kokuyiqondisa ekufakeni imali. Kepha hhayi nganoma iyiphi indlela, ngenxa yenzuzo ephansi yale mikhiqizo yasebhange. Ungakhetha ukukhomba intela kumakhasimende amasha, nokuthi isebenza kangcono kunamamodeli wendabuko. Phakathi kuka-1% no-2%, kuya ngesiphakamiso esikhethiwe.
Ngesiqinisekiso esiphelele sokuthi uzobuyisa imali oyitshalile, kanye nenzuzo encane, noma yini eyenzekayo ezimakethe zezimali. Lelisu lizoqinisekisa ukuthi uthola imali kulo nyaka wezimali olandelayo ongafika kuma-euro ayizi-6.000.
Ukhiye wesine: kwezinye izimakethe
Kungenzeka kube unyaka wezinye izimakethe, futhi ikakhulukazi izimpahla zezimali eziwe kakhulu ngo-2016. Ngokuqondile, amandla nezinto zokusetshenziswa, ezingakunika ithuba lokuqhubeka nokwenza imali. Mhlawumbe ngokungabi nokwanda okumangazayo, kepha ngamaphesenti akhanga ngokwanele ukukhulisa kakhulu izimpahla zakho kulezi zinyanga ezilandelayo. Lokhu kutshalwa kwemali kungenziwa ngezindlela ezahlukene, kungaba ezinkampanini ezikule mikhakha ezibhalwe emakethe yamasheya, noma ngamaphothifoliyo akhiqizwa ngezimali zokutshala imali kanye nama-ETFs.
Ukhiye wesihlanu: ukubheja kumanani we-bearish kakhulu
Unganikeza ukuthinta okuthile kokuvela kwiphothifoliyo yakho yokutshala imali ngokusebenzisa imisebenzi yesikweletu. Lapho uzokhetha khona amanani ocabanga ukuthi angehla kulo msebenzi omusha. Kungenxa yokushoda ezinkampanini noma emikhakheni yabo, noma ngoba nje kule minyaka amanani abo enyuke kakhulu. Futhi njengomphumela wale nqubo, shintsha ukuthambekela, noma umane ukhiqize ukunyakaza kokulungisa ngamanani abo. Kuyindlela enolaka kakhulu yokwenza ngcono imiphumela yakho ku-akhawunti yokuhlola, ezodinga ulwazi olujulile ngezimakethe zezezimali, yize umvuzo uzobe uvuna izintshisekelo zakho.
Ukhiye wesithupha: ukuboleka imali kubantu ngabanye
Indlela yangempela yokuthola inzuzo eningi kuma-winnies akho emdlalweni ukuboleka imali kwabanye abantu. Ngokusebenzisa amapulatifomu phakathi kwabantu ngabanye, lapho abanye bathuthukisa khona imali baye kwabanye. Okuthiwa yi-P2P okucushwa yi-intanethi. Ngalezi ziteshi ezihlukile zezimali, ungafinyelela isivuno esilinganisiwe esingaba ngu-6,50% minyaka yonke njengombolekisi wangasese. Lokho kuzokuvumela ukuthi uthole inzuzo ephelele cishe yama-euro angama-25.000 unyaka ngamunye.
Izinqumo zokukhulisa umcebo wakho
Ukuba nenani eliphakeme kangaka lokuzinikela ngokuphelele ekutshalweni kuzokwandisa amathuba akho okuba usozigidi kakhulu, ngisho usebenzisa eminye imikhiqizo ngokuhlangana neyendabuko, nokuthi utshalomali olujwayelekile awunakuba semthethweni. Kunoma ikuphi, kuzoba lula ukuthi unikeze lolu tshalo-mali ngezimpawu zalo, uma ufuna ukulusebenzisa ngendlela efanelekile ukwanelisa izintshisekelo zakho. Ngokuyinhloko zizoqhamuka kuzeluleko ezilandelayo:
- Ukuba usozigidi omusha Izokuvumela ukuthi ufinyelele kumikhiqizo yezezimali kuze kube manje ikhawulelwe yisimo sakho sangaphambilini somnotho, ngezinzuzo ezilandelayo ekusebenzeni kwakho kwezezimali.
- Njalo ungafaka engcupheni iminikelo emikhulu, ngokuhlinzekwa kwezidingo eziyisisekelo, ngisho nangesikhwama sokonga esinamandla futhi esinamandla.
- Uzokwazi ukubala ngensizakalo yokweluleka esebenza kahle kakhulu, njengomphumela wesimo esisha somnotho, okubandakanya ukuphathwa okwenziwa ngamabhange kuzimpahla ezinkulu.
- Uma noma yikuphi ukubheja kokutshala imali kungahambi kahle, ngeke kukubangele ukulahlekelwa kwezezimali, kepha ungayibuyisa ngotshalo olulandelayo, isishayela ngokunembe kakhudlwana.
- Ngaphandle kokungabaza umkhawulo wakho wokulahleka uzobanzi ngokungenamkhawulo, nethuba lokufaka imikhiqizo esezingeni eliphakeme ekhiqiza inzuzo ethe xaxa yezimali, futhi kwezinye izimo zingaphezu kwesilinganiso esijwayelekile kulezi zimo.
- Ngeke ukhawulelwe ekusebenzeni ngephrofayili ecacile yokuzivikela, kepha uzokwesekwa ngayo yonke impahla yakho, futhi uvulele amasu amasha okutshala imali kuze kube manje bambalwa abahloliwe.
- Ngeke unakekele kangako ngezindleko zamakhomishini, noma ukuphathwa kwezilondolozo zakho, engavuzwa ngendlela ecacile neqondile. Ngisho noma ungakhokhi izintela zakho, noma izimbuyiselo zikuhlupha kancane ekuqaleni.
- Kuzoba lula njalo ukukhiqiza inzuzo enkulu yemali ngemali eyi-320.000 euros.
- Uzoba ezimeni ezingcono ukusebenzisa izindlela zokuvikela ukonga kwakho kahle, ukuzivumelanisa nephrofayili yakho yomtshalizimali: ukuzivikela, okuphakathi noma okunolaka.
- Futhi ekugcineni, uma uzizwa ungakwazi ukuphatha imali oyongile, ungakhathazeki ngokweqile ngoba ngeke ube nezinkinga ezinkulu zokudlulisela le misebenzi ebhange lakho elijwayelekile. Kungenzeka ukuthi bazowuthanda lo mbono, futhi uzokwazi ukuwenza, ngaphandle komzamo wakho. Ngokusebenzisa insizakalo yasebhange, eyenzelwe amaklayenti amahle kakhulu, phakathi kwawo kusuka manje uzozithola ungangabazi.