Akukho kutshalwa kwezimali okubi kakhulu kunalokho ongeke wakwazi ukukulungisa. Ngamanye amagama, awusoze wabuyisa amanani akho okuthenga. Noma okungenani iminyaka eminingi, ngokweqile ngezintshisekelo zakho njenge abatshalizimali abancane nabaphakathi. Ngenhlanhla yakho, lokhu akuwona umkhuba ojwayelekile kakhulu emalini yanamuhla. Kepha namanje kunamacala amaningi lapho ungakwazi khona hlala ubambekile kuzingcaphuno zabo. Noma yini efanayo, kude kakhulu namanani woqobo. Kufike ezingeni lokuthi uphoqeleke ukuthi wenze ukuthengisa okubi.
Enye yezinkinga ezinkulu ongayithola ekutshaleni imali emakethe yamasheya ukuthi ayikuniki ithuba lesibili lokuvula izikhundla ezimakethe zezezimali. Ikakhulukazi, ngoba kuzoba ngomunye wemithombo ekhuthaza ukuthi ukwazi ulahlekelwe amanani abalulekile yemali emisebenzini yakho yemakethe yamasheya. Okungaphezulu kwalokho ongakucabanga ekuqaleni nokuthi akukho okunye ongakwenza ngaphandle kokulungisa lesi sehlakalo esibi. Lokho ngakolunye uhlangothi kungenzeka kuwe nganoma yisiphi isikhathi nasesimweni. Ngisho nakulezi zikhathi eziqondile.
Ukuvikela le nkinga ukuthi ingaveli, akukho okungcono kunezindlela ezithile zokupheka okufanele uzisebenzise lapho uzovula izikhundla emalini. Akumangalisi ukuthi kuzoba isu elisebenza kahle kakhulu le- vikela imali yakho ngezimo ezingezinhle neze zezintshisekelo zakho. Ngoba empeleni, uzokwazi ukwenza kangcono imisebenzi futhi uyihambise ngaphansi kwezindlela ezilungile kakhulu otshalomali lwakho. Kuzoba ngomunye wemigomo okufanele uzibekele yona kusuka manje.
Ithuba lesibili: liyadingeka?
Impela ezikhathini ezingaphezu kwesisodwa ukhale ngokutshalwa kwemali okwenziwe ezinsukwini ezimbalwa ngemuva kokwenza ngokusemthethweni umsebenzi wokuthenga. Yebo, kukhona uchungechunge lwamanani, okuthi yize ungalahlekelwa yimali ngentengo ekuqaleni, into ejwayelekile ukuthi esikhathini esimaphakathi nesikhathi eside ushiya izikhundla endaweni enhle. Okusho ukuthi, uthola izinzuzo zezimali ngamandla noma kwesinye. Inqobo nje uma uvala izikhundla futhi usule ukubalwa kwezimali zokulahleka, kwezinye izimo ezingaba ngaphezu kokubalulekile.
Ukuze ube nethuba lesibili emalini, kufanele uhlangabezane nochungechunge lwezidingo okumele zichazwe kahle kakhulu. Okokuqala, ungabanjwa yizinzwa. Ukwesaba kokuthengisa akufanele kube yinto ejwayelekile ezenzweni zakho. Esinye isici sephrofayili yakho ukuthi utshalomali lwakho kufanele luqondiswe ku- isikhathi esimaphakathi neside. Yikhambi elingcono kakhulu lokugwema ukulinyazwa yinoma ikuphi ukusebenza kwakho. Ukwenza lokhu, akukho okunye ongakwenza ngaphandle kokutshala leyo mali ongeke uyidinge isikhathi eside. Futhi lokho akuphazamisi isikweletu se-akhawunti yakho yokuhlola.
Uma uhlangabezana nalezi zidingo, izimakethe zezezimali zizokunikeza ithuba lesibili futhi mhlawumbe nethuba lesithathu ekutshalweni kwakho. Ikakhulu, kwizibambiso ezinonhlamvukazi omkhulu kunabo bonke futhi eziyingxenye yama-indices abaluleke kakhulu wezimali. Ngoba empeleni, kuzobaluleke kakhulu ukuthi ukhethe ukuphepha kwephothifoliyo yakho yokutshala imali uma ufuna ukuhlangabezana nalezi zinhloso kusukela manje kuqhubeke. Futhi ungashiyi ama-euro amaningi endleleni.
Iziphakamiso ezizolungiswa
Emakethe yamasheya kazwelonke unenqwaba yezindinganiso ezingakunika injabulo kungekudala. Yize okwamanje ulahlekelwa yimali nabo. Kugcizelelwa iseluleko sabahlaziyi abaningi bezezimali sokuthi imali ayilahleki emakethe yamasheya ngokuhamba kwesikhathi. Akumangalisi ukuthi lena ngenye yezinhloso zakho eziyinhloko futhi okumele utshalomali lwakho luqondiswe kusukela ekuqaleni. Yehlisa umoya ezimweni ezingezinhle neze zezintshisekelo zakho. Lapho amanani amasheya ehla ngokuqhubekayo ngenxa yezizathu ezahlukahlukene.
Ngalo mqondo, kuneziphakamiso ezithile ongeke uzisole ngazo uma ukhetha ukuthenga kusukela manje kuqhubeke. Enye yalezi ziphakamiso ivela ku- Inditex yendwangu. Yilokho okubizwa ngokuthi yi-piggy bank value okwenyusa intengo yamasheya ayo unyaka nonyaka. Cishe kungapheli futhi njalo. Ngenxa yempilo enhle yemodeli yayo yebhizinisi, nemiphumela yebhizinisi eqhubeka iba mihle nokwandiswa okuthembekile. Yize ngesikhathi esinikeziwe ukutshalwa kwezimali kuvela kabi, into ejwayelekile ukuthi ngemuva kwesikhathi esithe xaxa noma esilinganiselwe uzothola imali.
Okunye ukubheja okucacile onakho ezimakethe zezimali yilokho kwenkampani yokwakha iFerrovial. Ngecala elifana kakhulu nelenkampani eholwa ngu-Amancio Ortega. Izinto kufanele zibe zimbi kakhulu kuwe ukuze ungaqedi ukusebenza ngezinzuzo zemali. Yize ngesinye isikhathi ngeke ube nenye indlela ngaphandle kokuhlala uzolile. Futhi-ke ukuqina ezinqumweni zakho. I- isipiliyoni kubatshalizimali bayo kufanele isebenze njengesikhuthazo kuwe ukwenza ukuvulwa kwezikhundla kunani.
Ngaphakathi kwalokhu kukhethwa kwamanani, okudala ezimakethe zamazwe zikazwelonke ezifana neTelefonica nakho akunakubakhona. Yize ngecebo elinciphise ngokwengeziwe, imvamisa iyinkampani ewinayo esikhathini esimaphakathi nesikhathi ikakhulukazi. Lapho ungakhokhela khona isiliphu esingajwayelekile ngentengo yakho. Ikakhulu ngoba izokunikeza ithuba lesibili olifisayo. Ukuze ukwazi ukuchibiyela ukuthenga okungavelanga njengoba ubufuna kusukela ekuqaleni. Ngesikhuthazo sokuthi uzoba nesabelo esiqinisekisiwe minyaka yonke ngenzalo emaphakathi esondele ku-8%. Ngaphezu kokuthola imali engaguquki yendabuko.
Amanye amanani angasoze ahluleka
Uhlu lwalezi zimpahla zezimali lunwetshwa nakwezinye izibambiso ezinikeza ukuphepha okukhulu ngesikhathi sokwenza iphothifoliyo yokutshala imali ngokusemthethweni. Leli yisimo esithile samanani omkhakha wehhotela, nge ISol Meliá neNH Hotels ekhanda. Ngomugqa webhizinisi ophindayo ongalokothi wehluleke kubatshalizimali abancane nabaphakathi. Ikakhulukazi lapho imiphumela yomsebenzi wezokuvakasha ingakaze idumaze abatshalizimali kulokho abakulindele. Akumangazi-ke ukuthi okungenani ngemuva kweminyaka embalwa ubona ukuthi izikhundla zakho zikhule kanjani. Ngethemba ukuthi noma kuzothuthukiswa isilinganiso semali yaseSpain.
Futhi awukwazi ukushiya amanani we-ink classic cut njengalawo avela emigwaqweni emikhulu. Zonke iziqinisekiso zokuthi imali yakho izohamba kanjani eminyakeni ezayo. Ngaphandle kwalokho bangathinteka ngokulungiswa okujule kakhulu kwikhotheshini yabo yamanani noma nangaphansi kwendlela eyehlayo yokusalungiswa okuhle futhi engahlala isikhathi eside kunalokho obekufiswa. Kufanele futhi ufake kulolu hlu lwangempela izenzo zeqembu lezezimali (amabhange, izinkampani zomshuwalense, njll.) iphethwe kahle nokuthi ngokuhamba kwesikhathi bazokunikeza injabulo engaphezu kweyodwa kuzilinganiso zabo. Ngaphezu kwalokho, ngokwabiwa kwezabelo phakathi kwabaninizabelo.
Vele, uma amanani athile angenakutholakala esikhathini esimaphakathi nesikhathi eside, lawo kagesi. Ukubheja okuphephe kakhulu kulokho esikhuluma ngakho. Amabhizinisi abo ahamba kahle ngaso sonke isikhathi futhi yize engakhombisi ekuhlaziyweni okumangazayo, ngemuva kweminyaka embalwa uzokhokha imisebenzi ngezinzuzo. Noma yikuphi ukubheja okwenzayo. Ngoba futhi banezinkampani ezahlukahlukene ezinalezi zici. Kufika ezingeni lokuthi uzoba nokuningi kokukodwa inkinga ngokuzikhethela kwakho. Ngokuqinisekile kuyisinqumo esihlakaniphe kakhulu isikhathi eside kakhulu sokuhlala kwakho.
Hhayi ukubanjwa
Hhayi ize, izenzo zakho kufanele ziqondiswe ukuze ungabanjwa izikhundla ezivulekile ezimakethe zamasheya. Ukugwema izimo ezilimaza izintshisekelo zakho okufanele uzigweme ngaphansi kwanoma yiziphi izimo. Ngemuva kwakho konke, yimali yakho uqobo ogembula kuyo lapho uhweba khona. Ukuze wenze lokhu, kufanele uvikele intengo yesabelo sakho ukuthi ibe kude kakhulu namazinga okuthenga. Okuthile okuku- amanani womugqa wesibili noma ukuqagela okuningi yisimo esingaphezu kwengozi.
Ubeka engcupheni enkulu yokuthi intengo yokuthengwa kwamasheya ngeke iphinde itholakale. Ngalokho, ngeke ube nenye indlela ngaphandle kokuxazulula imisebenzi ngokuthengisa okubi. Noma ukwehluleka lokho, lindela kwenzeka umcimbi wezinkampani ongalindelekile lokho kubangela ushintsho olukhulu entengo yalo. Ngalo mqondo, kufana nokulinda ukwenzeka kwesimangaliso, inqubo osomabhizinisi abaningi abancane nabaphakathi abadlule kuyo, njengakwakho.
Kunoma ikuphi, futhi ukugwema ukuvela kwalezi zimo eziyingozi kakhulu kuzintshisekelo zakho, unesu lokunqanda ukulahleka kokuhamba kwakho ezinkampanini. Akukho okulula njengoku-oda okuthengisiwe okubizwa nge-stop loss. Ukuze ngale ndlela, ungakwazi ukusika abakhubazekile. Izokunikeza ithuba lokuthatha kuphela lezo ezingasekela ibhalansi ye-akhawunti yakho yokuhlola. Ukuba ukusebenza okusebenzayo ikakhulukazi ezinqubweni ze-bearish zemakethe yamasheya.
Kepha ngayo yonke into, kuzoba namathuba amaningi okufuneka babe nawo, njengasempilweni yabo, ithuba lesibili elikuvumela ukuthi ulungise amaphutha enziwe ukukhethwa kwamanani ezakha iphothifoliyo yakho yokutshala imali. Uzobe uzuze okuthile ngaleli su eliwusizo kakhulu ukuvikela izintshisekelo zakho njengomtshali-zimali.