I-Half-Dozen Elula Kwaninzi Imithetho Eyinamandla Yokutshala imali
- Musa ukubeka onke amaqabunga akho kwiSikhupheli esisodwa : Leli gama lihlala liphelelwe lixesha kwaye liphela kangangokuthi mhlawumbi liye lajikeleza nje ngokuba amaqanda kunye neebhasikiti zikhona. Xa kuziwa kutyalo-mali, ukubeka amaqanda kwinqweloka enye kukulingana nokubeka konke ukugcinwa kwakho kwisitokethi esisodwa, ukuxhaswa kwemali okanye uhlobo oluthile lotyalo-mali. Yaye oku akusiyo ingcamango efanelekileyo kuba iyakwandisa umngcipheko wemarike. Ngokomzekelo, kuthekani ukuba ucinga ukuba inkampani ethile inengcamango enhle kwaye ibeke yonke imali yakho kwisitokisi sayo? Mane ucele abatyali-mali kwi-tech bust ka-2000 abathenge iPets.com. Iimali zengxowa-mali zihlukeneyo-mali, kodwa qiniseka ukuba nganye imele iintlobo ezahlukeneyo zeengxowa-mali . Ufuna iinjongo kunye nokusebenza kwemali ukuba ube nokulungelelaniswa okuphantsi komnye nomnye. Ngamazwi ahlukeneyo, ufuna enye ingxowa-mali ukuba "zig" ngelixa elinye "i-zags". Ukuba uninzi okanye zonke iimali zakho zenza okufanayo, unakho kunye ne-fund eyodwa kuphela, engenayo idibansi.
- Musa ukuThengisa iMarike : Kuba abatyala-mali abaninzi, ixesha kwiimarike libetha ixesha lokuthengisa. Akunjalo nokuba umphathi-mali owaziwayo uyazi oko kuza kwenzeka emva kweemarike zentengiso okanye uqoqosho kunye nokuba abatshali-mali abangcono kakhulu banokuncipha ngokuphawulekayo kwixabiso le-akhawunti xa bezama ukuthengisa ixesha. Ngoko ke indlela yokuhlala ixesha elide ihamba phambili kwaye indlela efanelekileyo yokusebenzisa iimarike eziphezulu kunye nokuhla kwamanani kuya kwindleko yemali-dollar kwimali-mali yakho, oko kuthetha ukuba uthengela ngokukhawuleza ngexesha, ngokuphindwe ngenyanga. Kulungile, thabatha yonke into yokuqhelisa ngokutyalo-mali kwaye ubeke isicwangciso- mali sokucwangcisa inkqubo apho imali yakho ihoxiswa ngokuzenzekelayo kwi-akhawunti yekheshi, njenge-akhawunti yokutshekisha ebhankini, kwaye ityalwe kwiinkampani zenkxaso-mali okanye kwi-firm credit brokerage.
- Yazi Ukunyamezela Kwakho Umngcipheko : Ngokuqhelekileyo ulinganiswa ngumbuzo wemibuzo yokunyamezela umngcipheko, ukunyamezela ingozi okanye ukulinganisela ukuba ingozi okanye ukungabi nantoni (ukuphakama nokuhlaselwa kweemarike) umtyalo-mali unokunyamekela ngaphandle kokuthengisa izabelo zotyalo-mali. Oku kubalulekile kuba enye yeephoso ezimbi kakhulu abafakeli-mali abazenzayo kukuba bathengise xa amaxabiso aphantsi, okungafaniyo nokuziphatha kakuhle kotyalo-mali. Ngoko ke, thintela iphutha elikhulu kwaye utyalomali ngendlela efanelwe ukunyamezela kwakho engozini! Ngaloo nto, khumbula ukuba ukuziphatha kwakho kunzima ukuqikelela kwangaphambili. Ngoko ke, ukuba awuzange ube ne- market mark market , apho ixabiso lesitokhwe lingawela ngaphezulu kweepesenti ezingama-20, unokufuna ukuqala ngepesenteji zokwabiwa kwiisitokthi ezincinci ngaphantsi kwiprofayili yengozi.
- YiNjongo yoTyalo-mali ecacileyo kwaye unamathela kuyo : Iyintoni injongo yemali yakho? Ufuna ukuba wenze ntoni? Unako ixesha elingakanani uze ufune le mali? Ingozi engakanani ozimisele ukuyithatha ukufumana ukubuyisela okuphezulu ngaphezulu? Ngaba ufuna ukuba imali yakho ikhule okanye ufuna ukugcina ixabiso layo langoku? Iimpendulo kule mibuzo ziya kukunceda ufike ngexesha lakho lokutshala imali kunye nokunyamezeleka kwengozi, ezizinto eziphambili zokumisela injongo yakho yokutshala imali. Injongo yotyalo-mali, malunga nokucwangciswa kwezemali, injongo yepotifoliyo ethile isebenza kumntu ngamnye okanye kwiimfuno zezemali zabaxhasi bezezimali. Xa iinjongo zichongiwe, kuya kuthi ke zichaze ukuba zeziphi iiklasi ze-asethi kunye neentlobo zezokhuseleko ezifunekayo ukuzalisekisa injongo yepotfolio. Emva koko umamathele kwiinjongo ngaphandle kokuba kukho utshintsho obalulekileyo lwemali okanye ubomi.
- Gcina utyalo-mali olulula : Ukulula kulula phakathi kwezona zinto zibalaseleyo kwaye zixabisekileyo. Uphando oluninzi lubonise indlela iipotifoliyo ezahlukahlukeneyo zeengxowa-mali ezidibeneyo ezincinci zingakwazi ukugqithisa abaphathi bezemali abaqeqeshiweyo kwixesha elide. Kulula nje oko! Nangona uWarren Buffett ucebise ukusetyenziswa kwemali .
- Gcina iindleko eziphantsi : Zizibalo eziphambili, iimali ezisisiseko kunye nokubalwa kwemali-imali ephumayo ithetha imali encinci ezayo. Kwihlabathi lokutshala imali, iindleko eziphezulu ziyakhupha ukusebenza, ingakumbi kwixesha elide. Le ngongoma engundoqo yeemali ezingekho mthwalo kunye neemali zenkcazo . Iingxowa-mali eziphantsi kweendleko eziphantsi kwezona zinto ziphantsi kakhulu zenziwa ngabadlali abakhulu ngaphezu kwexesha elide, njengeminyaka eyi-10 okanye ngaphezulu.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.