Uma uthatha isinqumo sokutshala imali oyilondolozile emalini, kungenxa yenhloso ethile, okungeyona enye ngaphandle kokuthola imbuyiselo ephawulekayo eya ku-akhawunti yakho yokuhlola. Uma kuningi okukhona, kuba ngcono ngezintshisekelo zakho, akunamkhawulo ezimakethe zezimali. Kodwa kungenzeka kuwe lokho ukuvela kwezenzo zakho akuthuthuki njengoba ubungalindela ekuqaleni. Lesi yisimo esingafuneki lapho isilinganiso sakho sokuqala kuzoba ukuvikela ukonga kwakho.
Ukuba nomsebenzi okhubazekile kuvamile phakathi kwabatshalizimali abancane nabaphakathi, ngisho naphakathi kwabanolwazi kakhulu. Noma iyiphi idatha yezomnotho, imiphumela yebhizinisi, noma ukunyakaza kwezinkampani kungaphazamisa okulindelwe okwenziwe ngemuva kokwenza ukuthengwa kube semthethweni. Cishe akunakwenzeka ukukugwema, kepha kule ndatshana uzothola ezinye ze- keys ukuze izinto zingaqhubeki futhi zilahlekelwe yimali eningi ekusebenzeni.
Okokuqala, kufanele ucabangele isikhathi lapho utshalomali lwakho luqondiswe khona: olufushane, oluphakathi noma olude. Ngokuya ngokuhlukahluka, uzokwazi ukusebenzisa amanye amasu ukwedlula amanye. Futhi ngaphezu kwakho konke, sebenzisa iseluleko esiwusizo kakhulu kulezi zimo, esiqukethe ekutshaleni kuphela leyo mali ongeke uyisebenzise esikhathini esilinganiselwe noma esincane. Hhayi ize, uma ungayinaki, uzoba nezinkinga ezingaphezu kwesisodwa ukubhekana nezindleko eziphakama ngesikhathi esithile: ukukhokhwa kwezikweletu, izibopho zentela, noma ukukhokhwa kwerenti yendlu yakho.
Izibambiso ezinezimali
Akuzona izimo ezincomekayo kakhulu, ngoba uma isimo sakho semakethe yamasheya singadluli ezikhathini ezimnandi, uzophoqeleka ukuthi wenze umsebenzi omubi ezimweni eziningi. Futhi ngokulahleka okuningi, okuthi ekuthengisweni kwayo okulandelayo kuzonyamalala emafeni akho. Ukugwema lokhu, isixazululo sale nkinga singahle sitholakale thenga amasheya anenzuzo ephezulu, ngenzuzo emaphakathi yonyaka esondele ku-6%. Lelisu lokuhweba lizokulethela izinzuzo eziningi lapho kufanele ubhekane nenkokhelo noma izindleko. Isizathu ukuthi bazokukhokhela umholo ongaguquki, phakathi kuka-1 no-4 izikhathi ngonyaka, okuzokusiza ukubhekana nezindleko ezincane.
Kepha into ekhathaza ngempela izokwenzeka kuwe lapho ubona ukuthi izenzo zakho zisendaweni engemihle kanjani. Impela umuzwa omnandi, ukude nawo. Ngeke wazi, ezikhathini eziningi, ukuthi wenzeni ngamasheya akho, ukuthi uwathengise ucabanga ukuthi alahlekelwe yini, uwagcine kwiphothifoliyo yakho, noma uwashintshanise ngokuqondile ngokunye ukuphepha okulindelwe kakhulu kokubuyekezwa, futhi futhi kunobuchwepheshe obuhle isici. Kuzoba yisinqumo esizibophezele kakhulu okufanele usenze ngesikhathi esisheshayo, kungapheli izinsuku ezi-2 noma ezi-3. Uma ungafuni ukubona ukuthi ukukhubazeka okukhiqizwe kuze kube manje kungabhebhetheka kanjani ezinyangeni ezizayo, ngomgodi ojulile ...
Izeluleko eziyisishiyagalombili zokunciphisa ukulahleka
Kuzoba yisikhathi sokwenza isinqumo, esinamandla ezimweni eziningi, uhlaziya isimo sama-akhawunti akho. Ngenhloso eyodwa, ukukusiza wenze isinqumo esifanele kunazo zonke esimweni ngasinye, futhi lapho kuzokhonjiswa khona uchungechunge lwamathiphu oluzosiza kakhulu ukugxila ekusebenzeni kwakho ezimakethe zezimali. Ngisho nokucabanga ukuthi uzohlala unesinqumo sokugcina futhi sokugcina otshalweni lwakho.
Ukhiye wokuqala: faka i-oda lokulahleka kokuma
Lapho uya ukwenza umsebenzi wakho wokuthenga wamasheya ngokusemthethweni, akufanele ukhohlwe ukufaka i-oda elibeka umkhawulo ekulahlekelweni okungenzeka ukuthi ukutshalwa kwemali kungadala. Yizona ezithandwa kakhulu i-oda lokulahleka kokuma okusetshenziselwa ukukuvikela ekuweni okukhulu ngentengo yalo. Ukuze ukwenze, kuzonconywa kakhulu ukuthi uhlaziye ukuthi ufike kuliphi izinga lokwehla kwentengo. Kwezinye izimo kuzoba yi-2%, kwezinye kuze kufike ku-5%, kepha kungabi ngaphezulu kakhulu.
Ngale ndlela, ekwehleni kwezimakethe zamasheya, uzovimbela ukulungiswa ukuthi kujule kakhulu futhi kube nengozi yokulahlekelwa yimali ebonakalayo. Ngisho nalokho awukwazi ukukulinganisa. Hhayi ngeze, Kuzohlala njalo kungcono ukukushiyela u-3% wokonga, hhayi u-10%. Ukunyakaza kokulungisa okwenzekayo kuzodingeka kusikwe ekuqaleni, futhi ubhekane nesimo sokuthi wenze iphutha.
Ukhiye wesibili: shintsha isu lokutshala imali
Lesi simo esingafuneki ngezintshisekelo zakho kungenzeka ukuthi sivele njengomphumela wephutha lakho. Usazoba nesikhathi sokulungisa iphutha futhi uhambise kahle utshalomali lwakho. Icebo ngaphambi kwale ndlela lingahlanganisa ukushintsha inani, nokuziqondisa kwabanye okukhombisa isici sobuchwepheshe esingcono ukusizakala ngokubuyekeza kwabo okungenzeka.
Umsebenzi wokushintshana phakathi kwamasheya ahlukene uzoqala wenziwe ngokulahleka ngenxa yokuthengisa okwenziwe ngemuva kokusebenza okuhlulekile. Noma kunjalo, ungamisa ukwehla kwemali oyilondolozile ngendlela eqinile. Ngakolunye uhlangothi, uzokhetha isiphakamiso esiphephile maqondana nokuziphendukela kwemvelo okungasithatha kulezi zikhathi ezilandelayo zokuhweba.
Ukhiye wesithathu: hlukanisa utshalomali lwakho
Ukugwema ukufakwa okuphawulekayo kuphothifoliyo yakho yokutshala imali, awusoze wabela yonke imali yakho kunkampani eyodwa efakwe ohlwini. Futhi kuncane uma kucatshangelwa, noma okungenani kukhiqiza ukuguquguquka okubanzi kuzintengo zayo, ngaphezulu kokujwayelekile. Kuyiqiniso ukuthi ungathola imali eningi ekusebenzeni, kepha futhi kungabiza kakhulu uma i-downtrend ithatha ukunyakaza kwakho.
Ukwehlukaniswa kokutshalwa kwemali kuyindlela elula kunazo zonke onayo ukuze lesi simo singenzeki ezinyangeni ezizayo. Okwakho, kufanele wakhe iphothifoliyo enengqondo futhi elinganiselayo lokho kubheka imikhakha ehlukene, izinkampani, futhi futhi kunganconywa kakhulu ukufaka ezinye izinkomba zokulingana. Njengomphumela waleli su, uzokwazi ukukhawulela ukulahleka ngokusebenza kahle, ikakhulukazi uma lowo othinteka kulokhu kuhamba kungokuphepha okukodwa okukodwa.
Ukhiye wesine: ungazibeki engcupheni yemali eyeqile
Uma ungacaciswanga kahle ngesiphakamiso osenze saba semthethweni ezimakethe zezezimali, kungcono ungasebenzisi yonke imali oyongile. Uma kuphakathi kuka-20% no-40% wengqikithi, kuzoba ngaphezu kokwanele ukukuvikela ezimeni ezingezinhle zezintshisekelo zakho. Ngamanani amancane kuzohlala kulula ukuthwala ukulahlekelwa.
Lelisu elisha lokutshala imali lingagcwaliswa ngesincomo sangaphambilini, ukukhetha i Ukukhetha okubanzi kwamasheya akha iphothifoliyo yakho ngempumelelo. Kuyadingeka futhi ukuthi izinkampani eziningi ezivela emikhakheni evikela kakhulu yamasheya zikhona: ugesi, imigwaqo emikhulu, ukudla, njll. Kuzoba ipasipoti elenziwe kahle ukugwema ukunyakaza kokulungiswa ukuthi kuvezwe kakhulu futhi kunwetshwe isikhathi eside.
Ukhiye wesihlanu: ukugwema izimo ze-bearish
Ayikho ikhambi elikhulu lokuqinisekisa ukuthi iphothifoliyo yakho yokutshala imali ayinciphisi kunokugwema ukuthatha izikhundla (ukuthenga) ezimweni ezicacile ze-bearish. Okwakho kuzodingeka uhlaziye izimakethe zamasheya ngamashadi, lapho uzobona khona ngokucacile isici sayo sobuchwepheshe. Futhi ngaphandle kokusho ukuthi amanani wokuwa kwamahhala awasoze abe yinto yokuhlaziya kwakho ukwenza noma yikuphi ukusebenza. Isimo esibi kunazo zonke esingaba khona emakethe yamasheya.
Futhi okulimaza kakhulu imisebenzi eyenziwa, lapho ukuphepha kuphuka nezinsizakalo zayo. Uma lesi simo senzeka, kaningi ngakolunye uhlangothi, ngeke ube nokhetho ngaphandle kokufaka i-oda lokuthengisa ngokushesha, kepha ufuna ingxenye yenhlokodolobha yakho inyamalale ngezikhathi ezimbalwa zokuhweba. Kungumthetho wegolide ukuthi bonke abahlaziyi bezimakethe zamasheya beluleke, ngaphandle kokukhetha, ukugwema ukuthi inzuzo enkulu yemali ikhukhule utshalomali lwakho.
Ukhiye wesithupha: ungazibekeli imigomo yesikhathi esifushane kakhulu
Izikhathi zokuhlala unomphela ezimakethe zamasheya zibaluleke kakhulu, futhi kungabeka isimo ekuguqukeni kotshalomali. Akumangalisi ukuthi uma uhamba isikhathi eside ungahlala uthatha izingozi eziningi, futhi ngenxa yalokho, uzigcine kuphothifoliyo yakho iminyaka embalwa, ngaphandle kokuthengisa amasheya ezidingo ze-akhawunti yakho yokuhlola.
Kuyiqiniso ukuthi awuyikutshala imali oyongile ukuze uyishiyele amafa ezingane zakho, akunjalo. Kepha empeleni, Akucebisi futhi ukuthi ubheke izinsuku zokugcina ezimfushane kakhulu ezingaphephuka lapho kubhekene nanoma yibuphi ubunzima. Ukuziqondisa esikhathini esiphakathi nendawo, phakathi konyaka ongu-1 no-3 kungaba yindlela enhle yokuqapha ukuze isiphakamiso sakho sokutshala imali singaphumi kabi.
Ukhiye wesikhombisa: funda amaphutha esikhathi esedlule
Impela usudlulile kulesi simo. Uma kunjalo, kuzokusiza ukuthi ungaziphindi, futhi ufunde izifundo ezimake umsebenzi wakho wokuba ngumtshali zimali omncane. Kumele uzindle lapho wenze iphutha khona, ukuze into efanayo ingaphinde yenzeke. Uyofinyelela esiphethweni sokuthi ukuze uthole ukusebenza okuhle, kuzodingeka ukuthi ubhekane nezimo ezingezinhle neze ngezintshisekelo zakho.
Noma uzizwa ungaphephile futhi uzethemba ukwenza umsebenzi wemakethe yamasheya, kunconywa kakhulu ukuthi beka imali oyongele ezandleni zochwepheshe ukuze bazi ukuthi bangayiphatha kanjani ngendlela efaneleke kakhudlwana. Ibhange lakho lingakusiza ukuthi wakhe imodeli ephephile yokutshala imali, futhi ngale ndlela uvikele imali oyitshalile.
Ukhiye wesishiyagalombili: ungalilahli ithemba, yisikhwama
Futhi ekugcineni, cabanga ukuthi uthatha ingozi enamandla amakhulu ngokutshala imali oyinikelayo emakethe ehlukile njengezimali. Inamandla futhi inokuguquguquka okuqinile kwamanani ayo. Futhi uma ufuna ukuphepha okwengeziwe, kuzoba ngcono ukuya kwezinye izimpahla zezezimali, ikakhulukazi kusuka emholweni ohleliwe, yize ukusebenza kwawo kuzoba phansi. Kepha okungenani bazokuqinisekisa ngemali encane oyitholayo.