Funda Indlela Yokucwangcisa Iimali Zakho Njengeenzuzo
Kutheni ungazicwangcisi wena njengabaqeqeshi? Ingaba uyenzela ngokwakho okanye uqeshe umcebisi , esi sifundo esibalulekileyo kwimfundo yakho yezemali kunye nenkqubela yexesha elizayo kwisicwangciso-mali.
EGADIM: Iiminyathelo ezi-6 zoCwangciso lwezeMali
Uyakhumbula amanqanaba amathandathu ngokukhumbula ngegama eliqhelekileyo elithi EGADIM, iileta eziqala igama lokuqala kwisinyathelo ngasinye:
E ugxininise injongo / ulwalamano
Idatha ye-ather
Idatha ye-nalyze
D ukuvula isicwangciso
Nd mplement isicwangciso
M ukujonga isicwangciso
Inyathelo 1 kuCwangciso lwezeMali: Misela iNjongo / ubudlelwane
Le yilapho umcebisi uya kuzisa yena kwaye uchaze ngokucacileyo inkqubo yokucwangcisa imali kumxhasi okanye umxhasi ozayo. Umcebisi angacela imibuzo evulekileyo ukufumanisa nayiphi na into nantoni kwiinjongo zezemali ezikhawulezileyo ukuvakalelwa ngengozi yemarike kumaphupha malunga nokuthatha umhlalaphantsi kwiiCaribbean.
Injongo yokuseka injongo okanye ubudlelwane kukuseka isiseko okanye injongo yokuzicwangcisa ngokwayo-ukuqala uhambo lwezemali kunye nokucaciswa kweendawo ezikhoyo. Abantu abaninzi baninzi basindisa kwaye batyala imali ngaphandle kwesigqibo esithile kwingqondo.
Ukuhamba ngokungqongqo, abaninzi abantu baneendawo zemali kodwa ezi njongo azizona ezazo; iinjongo nantoni na ebizwa ngokuba yingqiqo yolwazi. Injongo yemali kufuneka ilandele injongo yobomi , kungekhona enye indlela.
Ngaba-u-yourselfers unokuzalisekisa le nyathelo ngokuzifunda ngokwabo kangcono.
Abacebisi bezezimali benza oku ngokubuza imibuzo evulekile, engemibuzo engaphendulwa ngu-ewe ewe okanye cha (umbuzo ovalwe). Nazi imimiselo yemibuzo evulekile ongayisebenzisa ngokucwangcisa kwakho:
Ziziphi iimvakalelo zakho ngokutshala imali kwimarike yemasheya? Kutheni ucinga ukuba uvakalelwa ngaloo ndlela?
Ziziphi ezinye zeembulelo zakho zokuqala kunye namava aphefumlelweyo ekucwangciseni imali (oko kukuthi i-akhawunti yokuqala yokulondoloza, i-akhawunti yokuqala yokujonga kunye nekhadi lokuqala lekhredithi)?
Ziziphi amandla akho ezezimali? Ziziphi ubuthathaka bakho bezemali?
Uceba njani ukulondoloza okwaneleyo umhlalaphantsi?
Ngoku unengcamango yegosa lakho lemali - ifilosofi ekhokelayo ekujoliseni iinjongo zotyalo, ukuphathwa kwemali, iimfuno ze-inshorensi kunye nezinye izixhobo zemali ukukunceda ukufezekisa iinjongo zakho.
Inyathelo 2 kuCwangciso lwezeMali: Hlanganisa iinkcukacha ezifanelekileyo
Eli nyathelo yilapho ulwazi olufunekayo ukwenza iingcebiso malunga nezicwangciso ezifanelekileyo kunye nemveliso yezemali ukufikelela kwiinjongo zakho. Ngokomzekelo, yintoni ixesha lakho lokujonga? Ngaba ufuna ukufeza le njongo kwiminyaka emi-5, iminyaka eyi-10, iminyaka engama-20 okanye iminyaka engama-30? Yintoni ukunyamezela kwakho? Ngaba uzimisele ukwamkela umngcipheko ophezulu wemarike ekuzalisekiseni iinjongo zakho zotyalo okanye ngaba iphothifoliyo egcinayo ingcono kuwe?
Kwakhona, kukude kangakanani nawe kwiinjongo zakho? Ingaba unayo imali esilondoloziweyo okwamanje? Unayo inshorensi yobomi? Ngaba unayo intando? Ingaba unabo abantwana? Ukuba kunjalo, ziphi ixesha labo?
Umzekelo, ukuba uqokelela idatha yokucwangcisa umhlala-phantsi , kuya kufuneka ufumane ingeniso yakho yonyaka, umyinge wokugcina imali, unyaka kude kube ngumhlala-phantsi ohlongozwayo, ubudala xa ufanelekile ukufumana ukhuseleko lwezeNtlalo okanye ipensheni, ubuninzi obulondolozile Umhla, ubuninzi obungayilondoloza kwixesha elizayo, izinga elilindelekileyo lokubuyisela kunye nokunye.
Nangona usenokuba nolwazi olu lwazi, kuqiqile ukuba konke kubhalwe phantsi ukuze ukhangele zonke iinkcukacha eziyimfuneko ezifunekayo ukuze wenze izigqibo zokutshala-mali.
Inyathelo lesi-3 kwiCwangciso-mali: Hlaziya iDatha
Uqokelele idatha efanelekileyo, ngoku uyihlalutye! Ukulandela umzekelo wokucwangcisa umhlala-phantsi, idatha odibeneyo ingakunceda ukuba ufikelele kwizinto ezithile zokucinga.
Makhe sicinge ukuba uneminyaka engama-30 kude kube ngumhlalaphantsi, sele usilondolozile i-$ 50,000, ulindele ukubuyela kwe-8.00% kwi-investment yakho, kwaye ungagcina i-$ 250 ngenyanga.
Ukuba awunayo i-calculator yemali, unokuhlalutya idatha kunye nebalawuli sezimali okanye ungaya kwelinye labalimi abaninzi be-intanethi, njenge-Kiplinger's Retirement Savings Calculator, iplagi kule manani uze ubone ukuba iqela lakho lokuhlala umhlalaphantsi liya kuba kulungile kuwe.
Ukusebenzisa i-calculator yezimali ezi zizathu ziya kufika malunga nama-920,000 kwi-date ephakanyisiweyo yomhlala-phantsi kwiminyaka engama-30 ukususela ngoku. Ngaba oku okwaneleyo? Ngaba umgomo wakho wokuthatha umhlalaphantsi ufikeleleke? Ngokuqhelekileyo, ukucinga kwangaphambili akukwanelanga ukufumana injongo. Le ndawo apho uqala ukuceba ezinye izisombululo ezisezantsi kwisinyathelo esilandelayo.
Inyathelo 4 kuCwangciso lwezeMali: Phuhlisa iSicwangciso
Masithi udinga i-$ 1 yezigidi ukufikelela kwiinjongo zakho. Iingcamango zangaphambili (kwiNyathelo 3: Ukuhlalutya iDatha) ukulethe i-$ 100,000 efutshane nje nge-$ 900,000. Ukuba unako ukusingatha ukuthatha umngcipheko werhwebo , unokwandisa ukukhutshwa kwakho kwamasitokethi kwipotfoliyo enobudlelwane bemali kunye nokuthatha i-rate ye-9.00% yokubuyisela. Ukucinga ukuba zonke ezinye iingcamango zihlala zifana, kwaye ngokunyusa ukubuyela kwakho okulindelwe ngu-1.00%, ukufikelela kwithuba lakho leminyaka engama-30, kwaye ukulingana kwamaxabiso kuza kukuzisa kwiqanda elibiza i-$ 1.2 million! Kodwa kuthekani ukuba ufuna ukugcina izinga lokubuyela kwi-8.00% kodwa ukwandisa izinga lokugcina imali kwi-$ 300 ngenyanga? Unako ukuza kusondela kwiinjongo zakho nge $ 990,000.
Uyabona ukuba kutheni igama eliyintloko leli nyathelo "likhula." Ucwangciso lwezemali lufuna ukwenza ezinye izisombululo ezifezekileyo kumntu ngamnye. Ngeendlela ezininzi ezahlukeneyo zokuqwalasela, icebo lakho lifuna ukuphuhlisa, ukuguqulwa ngeemfuno zakho kodwa uhlale ngaphakathi kwimeko yakho kunye nokunyamezela .
Inyathelo 5 kuCwangciso lweMali: Phunyezwa iSicwangciso
Ngoku ubeka nje isicwangciso sakho ukusebenza! Kodwa njengento elula njengoko oku kuvakalayo, abantu abaninzi bafumanisa ukuba ukuphunyezwa kuyinkqubo enzima kakhulu ekucwangciseni imali. Nangona unesicwangciso siphuhlisiwe, kuthatha uqeqesho kunye nomnqweno wokuwubeka kwisenzo. Ukugcina i-$ 250 okanye i-$ 300 ngenyanga kungase kube nzima. Unokuqala ukuzibuza ukuba kwenzekani ukuba ungaphumeleli. Yilapho ukungabikho komsebenzi kukhula kukuhlaziywa. Abatyalomali abaphumeleleyo baya kukuxelela ukuba ukuqala nje kukubaluleke kakhulu kwimpumelelo. Awudingi ukuqala kwinqanaba eliphezulu lokulondoloza okanye kwizinga eliphambili locwangciso lotyalo-mali. Unokufunda indlela yokutshala imali kunye nesikhwama esisodwa okanye uqala ukugcina iidola ezimbalwa ngeveki ukuze wakhe ukutshala imali yokuqala.
Iphuzu kukukwenza izicwangciso zakho zezimali zifikeleleke kwaye ziqwalasele ngokukhawuleza ukunyuka ukuya kwiindleko zokulondoloza ezithandayo kunokuba ungene kwizinto ezinokuba nzima ukuba ziphunyezwe ngokukhawuleza kwinqanaba lakho lokuthuthuzela kunye nohlahlo lwabiwo-mali.
Inyathelo 6 kuCwangciso lwezeMali: Gcina iSicwangciso
Kubizwa ngokuba ucwangciso lwezemali ngesizathu: Iiplani ziguqukile kwaye zitshintsha nje ngokuphila. Xa isiqulunqwe isicwangciso, ngokuyinxalenye iqela lembali. Yingakho isicwangciso sifanele sijongwe kwaye sijongwa rhoqo ngamaxesha. Cinga ngezinto ezinokutshintsha ebomini bakho, ezifana nomtshato, ukuzalwa kwabantwana, utshintsho lomsebenzi kunye nokunye. Ezi ziganeko zifuna zonke iimbono ezintsha ebomini nakwezemali. Ngoku cinga ngeenguqu zemali ngaphaya kolawulo lwakho, njengokutshintsha komthetho werhafu, amazinga omdla, izinga lokunyuka kwamaxabiso, ukunyuka kwemarike yemasheya kunye nokunciphisa kwezoqoqosho. Akukho nto ihleli rhoqo ngaphandle kokuba utshintsho!
Ubomi benguqu, imithetho iyatshintsha kwaye isicwangciso sakho siza kuyenza. Kodwa, kwakhona, oku kungabizwa ngokuba yisicwangciso sezemali, ukucwangcisa imali!
Ngoku ukuba uyazi amanyathelo angama-6 ocwangciso lwezemali, ungawafaka kuyo nayiphi na indawo yemali yomntu, kuquka ukucwangciswa kwe-inshorensi, ukucwangcisa irhafu , ukuhamba kwemali ( ukuhlahlo-mali ), ukucwangciswa kwempahla , ukutshala imali kunye nokuthatha umhlalaphantsi.
Khawukhumbule ukuqhubeka ubhekisela kumanyathelo njengoko ubomi obalulekileyo okanye utshintsho lwezemali livela. Ungaphinda ufune ukwenza njengoko abacwangcisi bezemali abaqeqeshileyo benza kwaye uhlale phantsi kwaye ubuyekeze kwakhona isicwangciso sakho ngezikhathi ezithile, njengakanye ngonyaka.
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.