Ukuchaneka kanye ngokukhawuleza akusiyo isicwangciso sotyalo-mali sokwenza imali. Yintoni efunekayo ukuba ube ngumtyalomali ophumelelayo kwimarike yemasheya? Unokufumana iimpendulo ezininzi kuloo mbuzo kwaye ezininzi zibandakanya ukuhlawula imali yeemina, isofthiwe okanye omnye umkhiqizo.
Amanyathelo okuphumelela utyalo-mali kwiimakethe ye-stock market ayilula - yinto eyenziwa lula. Kule nqaku kunye namanqaku azayo, ndiza kuhlola ezinye zezi nyathelo kwixesha elizayo. Nazi ezi zimbini zamanqanaba aphezulu ekuba ngumtyalo-mali ongcono kwiimarike zamasheya:
Hlela ezinye iinjongo zezeMali
Ingqungquthela, kodwa yinyaniso - kufuneka ukwazi apho uya khona ukuze uyazi ukuba ukhona xa ufika. Iinjongo kufuneka zibe zizodwa kwaye zijolise. Umzekelo, "Ndifuna ukuthatha umhlala-phantsi malunga neminyaka engama-20 okanye njalo kwaye ube neqanda elihle, elityebileyo".
Injongo engcono ibe yinto engathi: "Ndineminyaka engama-40 ubudala kwaye ndifuna ukuhlala phantsi ngeminyaka engama-65. Xa ndiba neminyaka engama-50, ndiza kwakha i-egg-yeqanda (kungekubandakanya 401 (k)) ukuya kwii-250,000 zamawaka. ibe ngama-350 000. Kwi minyaka engama-60, kuya kuba ngama-500,000 kwi-$ 500,000 kwaye emva komhlalaphantsi, kuya kuba ngama-600,000. "
La manani angasuswa kuwe kwaye mhlawumbi unezinye iinjongo, njengengxowa yekholejini, kodwa ingongoma kufuneka ujolise kwiinjongo ezithile kunye nexesha eliyimfuneko ukuba uza kuphumelela.
Khetha iSicwangciso soTyalo-mali
Kukho izicwangciso ezintathu zokutyala imali: ukuxabisa, ukukhula kunye nokudibanisa. Uyakuva abanye bekhankanywe, kodwa ezi zintathu ziyisiseko kubo bonke abanye.
Ixabiso lokutshala imali linokuba nzima kunabo bonke, kodwa linokubuyisela ukulungelelaniswa kwexesha elide. Uxabiso lwabatyalo-mali bathabatha iinkampani ezithengisa kumaxabiso ngokuphantsi kwexabiso lawo lokwenene.
Iinkampani zingenakukuthandana kunye nemakethe yemasheya ngenxa yokuba zingekho kwicandelo lesitokisi elitshisayo okanye zikwishishini elingenanto elingabonakaliyo lokuba abatyali-zimali bafumanise.
Inxalenye enzima yokwenza utyalo-mali ukuchonga nokuhlalutya abaviwa. Ixabiso lokutyalomali ludinga ukudilika ngokujulile kwiimali zeenkampani ukufumanisa ukuba ixabiso linyani okanye elingaphambili kunye nokuba kutheni le xabiso lihambelana nentengo yesitokisi.
Nangona kunjalo, impatho ingaba yinto ebalulekileyo xa i-market market ithola i-stock kwaye ifuna ukunyusa intengo yayo kwiqondo eliphantsi xa uthenge kwinqanaba elithile le-truer. Oku kunokufuna ukuba ubambe isitishi ixesha elide kwaye ufuna ukuba ubuyekeze uvavanyo lwakho rhoqo.
Uphuhliso lokuTyala
Utyalo-mali lokukhula luyingxenye eyingxowankulu yemarike yemasheya. Kuquka ukufumana iinkampani ezinamandla okukhula okuzayo. Ufuna ukukhusela iinkwenkwezi eziqhaqhaqhazelayo ezikhanyayo kwiimarike kwithuba elincinci, ize zinyamalale. Ukhangele iinkampani ezinamandla ezilungele ukukhula okuqhubekayo.
Utyalo-mali lokukhula luquka umngcipheko ophezulu xa ugxininisa kakhulu kwiimpahla ezincinci ezinokukwazi ukukhula ngokukhawuleza, kodwa nazo zijongene neengxaki ezinzima zokuphumelela kwexesha elide. Kukho izitokisi ezinkulu ezikwindawo ezikhulayo ezikhulayo.
Umsebenzi wakho kukufumana abo bafana nesicwangciso sakho, iinjongo kunye nokunyamezela.
Utyalo-mali oluthile-olubizwa nangokuthi utyalomali olulinganisiweyo-ludibaniso lokukhula kunye nexabiso lokuqulunqa izicwangciso. Ngokudibanisa ukwabiwa kwezinto ezimbini kunye nokusebenza kakuhle, abatyali-mali kwimarike yemasheya banokubethelela okubalulekileyo kokubili. Unokulungisa ukuxuba ukunyusa okanye ukunciphisa ukubuyiswa okungenako (kunye nomngcipheko) ukufanisana neenjongo ezithile kunye nexesha.