Uyazi ukuthi yiziphi izinkomba zezimali eziqukethe?

izinkomba ezikhokhelwayo

Akekho ongabazayo ukuthi imakethe yesikhwama ingenye esebenzayo kakhulu esimweni sezimali samanje. Ezinye ziyavuselelwa ngokuqhubekayo, ezinye ziyavela, futhi noma kunjalo akuyona ingxenye ye-static, kepha ilawulwa ukuguquguquka kwezinhlobo zayo zokutshala imali, kufaka phakathi nezikhombisiwe. Nsuku zonke ungathola ifomethi ehlukile lapho ungenza khona ukonga kwakho kube nenzuzo ngomunye wemikhiqizo ethandwa kakhulu phakathi kokulondolozwa okuncane.

Izimali zezinkomba zingenye yamafomethi amasha akhiqizwe yimakethe yezimali, futhi engaba ithuluzi lokuvikela izintshisekelo zakho ezimakethe zezimali. Kuyisikhwama esisha, futhi ngandlela thile, lokho kungakulethela izinzuzo ezithile ekuqashweni kwakho. Yize kuzodingeka futhi ukuthi ukwazise ukushiyeka okungenzeka kube khona, okukhona. Uma kwenzeka ekugcineni ukhetha le modeli yokutshala imali.

Okokuqala, kuzofanele wazi ukuthi yiziphi izinkomba zezimali eziqukethe, njengoba kungumkhiqizo osanda kwenziwa. Hhayi-ke, yimali leyo phinda ngokuqondile inkomba yesitoko. Kungaba kuzwelonke, eYurophu noma emhlabeni jikelele. Amanani wezobuchwepheshe, noma asuselwa kulawo okusetshenziswa kakhulu. Inkambu yayo yokusebenza ibanzi kakhulu, ayikhawulelwanga emakethe eyodwa yezimali.

Izici zesikhwama sezinkomba

izici zezimali zezinkomba

Lokhu ngumehluko oyisisekelo ukuwehlukanisa kwabanye izimali ezingakhonjwa. Lokhu kuvame ukuba nokuphambuka emkhakheni noma enkombeni abaxhunywe kuyo. Futhi kwezinye izimo bangafinyelela ngaphezulu kokuphambuka okuphawulekayo, futhi ezimweni eziningi kuzungeze i-10%. Ku-indexed, kunalokho, lo mkhuba awenzeki. Kepha umaka ukuvela okufana nokwe-stock indices lapho kuziphindaphinda khona. Akukho mehluko, futhi uma kukhona, awabalulekanga kakhulu.

Okunye okwehlukile kwale mikhiqizo yokonga eyingqayizivele ukuthi ayixhunyanisiwe nezinye izimpahla zezezimali, kuphela kuma-indices emakethe yamasheya amakhulu, nakunoma iyiphi ingxenye yomhlaba. Ngalesi sizathu esilula, kulula kakhulu ukusiqonda futhi sifinyelele inani elikhulu lezithameli elingenayo isiko eliphezulu kakhulu lezezimali. Azidingi, ngakho-ke, ulwazi olukhethekile ukusebenza nabo, njengakweminye imikhiqizo yezezimali neyebhange.

Ngale ndlela, uma utshale izimpahla zakho esikhwameni salezi zici, futhi waxhumanisa isibonelo ne-Ibex 35, kungaba lula kakhulu ukuqonda ukuvela kwayo. Uma inkomba yebhentshimakhi kazwelonke ikhiqize ukuvuselelwa kabusha okungu-10%, kungasho ukuthi leyo kungaba yileyo mali ozoyithola ngale ndlela yokutshala imali. Ngaphandle kwezinkinga ezinkulu, njengoba ungathola nezinye izimali zokutshala imali, ezixhumene nezinye izimpahla zezezimali.

Ubulula nokwenziwa lula kwamamodeli ayo yiyona ndlela ejwayelekile yecebo layo lokuzuza inzuzo enkulu ngokubamba kwakho iqhaza esikhwameni. Azikho izimali ezifihliwe, akukho ukuphrinta okuhle esivumelwaneni. Kufanele uyazi uma kwenzeka ufisa ukwenza kube semthethweni eyodwa yalezi zimali zokutshala imali ezinyangeni ezizayo.

Amakhomishini aphansi

imali yesikhwama sezinkomba

Kepha uma le mikhiqizo ihlukaniswa okuthile, kungenxa yezindleko eziphansi okufanele uzithwale. Ngoba empeleni, baphatha amakhomishini athe xaxa kunangezimali zokutshala imali ezaziwa njengokujwayelekile. Imikhawulo yayo yezentengiselwano ihamba ngebhande elincane kakhulu elisuka ku-0,50% liye ku-1,00%, kuya ngefomethi ekhethiwe. Kunoma ikuphi, kushibhile kunalokho okungeniswe kusuka kumnikelo wendabuko.

Kujwayelekile ukuthi noma yisiphi isikhwama sokutshala imali, nesamba samakhomishini amaningi esiwahlanganisayo, singafinyelela ku-2% ngalo mqondo, okuyisilinganiso esiphezulu abangakhokhisa amakhasimende ngaso. Endabeni yemali yenkomba, cha, ngoba inani eliphakeme elingathinta i-akhawunti yakho yokuhlola ukukhokha i-1% yamakhomishini. Kuzoba umehluko ozoqala ukuwubona ephaketheni lakho ngokushesha nje lapho ubhalisa.

Ngenkathi izimali zendabuko zokutshala imali zingafaka amakhomishini amaningana, kukhona eyodwa kuphela ezimali ezikhonjisiwe. Ukuqukethwe kwezindleko-ke, kuyinto engaholela ekukhetheni kule sigaba semikhiqizo yezezimali eyenziwe ukuthuthukisa isimo sama-akhawunti akho.

Ubukhali kunqubo yokuqasha

Esinye isici esibaluleke kakhulu okufanele wazi ukuthi ukuqashwa kwezimali zezinkomba kwenziwa kuphela online, online, ngokunethezeka ekhaya noma kwenye indawo. Ngaphandle kokuya kunoma yiliphi ihhovisi noma igatsha. Lokhu kuzokwenza inqubo isheshe futhi iguquguquke, nokuthi ungayenza ibe semthethweni nganoma yisiphi isikhathi sosuku. Kubandakanya, ngakolunye uhlangothi, ukuqedwa kwezindleko zemali ezikhonjiswa kumakhomishini ayo.

Njengoba ingumkhiqizo oku-inthanethi, ifaka okuhle nokubi kwalolu hlobo lwenkontileka, nokuthi ungakuqinisekisa ngeminye imikhiqizo yasebhange: ama-term deposits, isikweletu, umshuwalense, njll. Futhi nganoma iyiphi indlela, ngaphandle kokulahlekelwa i- inkonzo yamakhasimende, lapho ungenza khona ukulawula okuphelele kwezimali zakho ozitshalile. Ngakho-ke, ukuze ucacise noma yikuphi ukungabaza onakho ngalesi sikhwama.

Njengokubuyela emuva okuthile, iqiniso lokuthi okunikezwayo kuseyimpesheni, futhi kunamamodeli amaningi entula ukuthi iziphakamiso ziningi kakhulu. Akumangalisi ukuthi awunayo imikhiqizo eminingi ongakhetha kuyo, iningi lalezi zimali lifana kakhulu neziphakamiso zabo. Ngokungafani nezimali zokutshala imali ezinamamodeli wokutshala aguqulwe kuzo zonke izinhlobo zamaphrofayli: anolaka, alondolozayo, aphakathi, njll

Ngubani omaketha le mikhiqizo?

Enye yezinkinga ezinkulu kuzodingeka uziqashe ukubonakala okuphansi izinkampani eziphethe ukwethula izinkomba ezinakho. Awajwayele ukumakethwa ngamabhange, futhi kuzofanele uye emaqenjini okutshalwa kwezimali nasezisekelweni zezezimali ezibafaka ekunikezeni kwabo ngebhizinisi. Imvamisa azikho eziningi, futhi kufanele ubhalise kwabambalwa okuyibo abanikeza lesi siphakamiso sokutshalwa kwemali.

Kwezinye izimo, kunjalo yamapulatifomu amancane ongenayo inkomba yawo, nokuthi kufanele uphenye ukuthi bayakufanelekela yini ukwenza lo msebenzi wezezimali. Ngoba ungangena ngisho nakubha yezimali ekuthengisela le mikhiqizo. Akufanele nhlobo wamukele imibandela yabo, ngaphansi kwezimo eziningi ezikudalula ezimweni zabo zenkontileka.

Ukuntuleka kokuxhumana ngokomzimba namakhasimende nakho kungaba yinkinga enkulu ekuvikeleni izintshisekelo zakho njengeklayenti. Akusizi ngalutho, kuzoba yimali eningi ozobe uyitshala, futhi kuzodingeka uqinisekise ukuthi lezi zinkampani zezezimali kufanele zinikeze. Ukuphela kwe-solvent kuphela okufanelekele ukwethenjwa. Qaphela lezo ezidalwe ngokushisa kwemali, ngaphandle kokuthi ube nokuthile okucacile ngesakhiwo sayo, ngoba zivikela ziphi izintshisekelo.

Ekupheleni kosuku yimali yakho esengozini, futhi Akufanele uzame amapulatifomu angakunikeli iziqinisekiso. Ngaphezu kwalokho, kuzodingeka ukuthi ubatshele ukuthi kwenzekani uma ufuna ukusebenzisa iminikelo yakho yezezimali. Kuzoba yinto ebaluleke kakhulu oyicabangayo, unikezwe ukungabi khona kwemali ongayithuthukisa phakathi nezinyanga ezilandelayo: ukukhokha intela, ukukhokhelwa kwempahla ebanjiswayo, isikole sezingane, kanye nokuxhaswa kweholide lakho elilandelayo.

Amathiphu wokubhalisa izikhombo

amathiphu wokuqasha imali yenkomba

Uma, naphezu kwakho konke, inhloso yakho ukuqasha owodwa wale mikhiqizo, ngeke kulimaze ukungenisa imihlahlandlela ethile yokuziphatha ezosiza kakhulu ngesikhathi sakho njengomtshali-zimali omncane emalini yenkomba. Futhi lokho kuzoqala kusukela kuzenzo ezilandelayo esikudalula kuzo ngezansi.

  • Bheka ukuthi ngabe ipulatifomu ephethe ukuhweba ngalezi zimali ibhaliswe ngokusemthethweni, futhi ikunikeza iziqinisekiso ezinhle kakhulu. Kulula kakhulu ukuthi ubekezele kulolu daba uma ungafuni ukuzibona ucwile kwenye inkinga.
  • Ukunikezwa ozokuthola kuzoba kuncane kakhulu kunakweminye imikhiqizo yezimali, kube neziphakamiso ezinqunyelwe, futhi kuze kube sezingeni elithile, kuphindaphindwe ngandlela thile ngokwamamodeli wabo wesivumelwano.
  • Ubulula bezakhiwo zayo kungakusiza ukwazi ngaso sonke isikhathi imali oyiholayo (noma oyilahlekelayo) ekutshalweni kwakho, ngokubalwa kwemali okufinyeleleka kalula kukho konke ukunyakaza.
  • Uma ufuna ukuxhumanisa ukonga kwakho nezinye izimpahla zezezimali, kungaba ngcono ukungaziqashi lezi zimali, ngoba ngeke ubone izidingo ziyaneliseka. Unezinye izindlela zokuhlangabezana nalezi zinhloso.
  • Imali ongayithola izobonakala kakhulu, futhi lokho ingahlukaniswa ngesigamu uma iqhathaniswa neminye imikhiqizo yezezimali, ngisho nezici ezifanayo. Kepha ngaphandle kokuqinisekisa kunoma yikuphi ukusebenza.
  • Ngokuqinisekile kungumkhiqizo wakamuva, othi kusesigabeni sokunweba, futhi ngalokho-ke kunezikhala ezithile ekwakhiweni kwayo. Kepha hhayi ngenxa yalesi sizathu, kunesimo sokuthuthukisa izikhundla zakho ezimakethe zezimali.
  • Impela awazi, kepha ubhekene nomamodeli ongeyona eyinkimbinkimbi, okuyi Zenziwe ngaphansi kwezimo zendabuko eziningi kunokulindelekile ngabanye babatshalizimali abancane nabaphakathi.
  • Futhi ekugcineni, ngaphambi kokubhalisela, kuzodingeka ukuthi waziswa kahle ngokusebenza kwayo, ngisho nezinkampani zabaphathi ezizethula emakethe minyaka yonke.

Uma uvumelana nazo zonke lezi zakhiwo, kuzoba isikhathi sokufika emsebenzini, futhi uthole amafomethi amahle kakhulu, kokubili ukusebenza kwawo kanye nokwethenjwa kwamapulatifomu aphethe ukuwahambisa kumamukeli wokugcina. Futhi akuyena omunye umuntu ngaphandle kwakho.

Kuzobaluleka ukuthi ukhethe imakethe okuyiyona nto yezimangalo zakho. Akudingeki ukuthi ushiye imingcele yethu, noma kunalokho, uye kwabamele kakhulu emhlabeni wonke.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

*

*

  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.