Unokunciphisa njani izinga lokunyuka kwamaxabiso? Yintoni ongayenza ukubeka ubutyebi bentsapho yakho ngendlela olala ngayo ebusuku?
Azikho iindlela ezingenangqiqo, kodwa kukho ezinye izinto onokucinga ngazo ngoncedo lomcebisi wezezimali. Ukuba senziwa ngokufanelekileyo, banako ukunciphisa umngcipheko wakho kwimiphumo yokunyuka kwamaxabiso.
I-Tip # 1: Gwema ukuKhutshwa okuPhezulu kweeBondle zexesha elide kwiPortfolio yakho
Xa kuziwa kukukhathazeka ngezinga lokunyuka kwamaxabiso, iibhondi zithengiswa kakhulu kwiklasi ye-asethi . Enyanisweni, njengokuba i-moth inokutshabalalisa imbopho enkulu yeboya, ukunyuka kwamaxabiso kunokutshabalalisa umthamo-mali. Ngokuqhelekileyo, ngelixesha elibonayo, lihle kakhulu. Oku kwenzeka ngenxa yokuba iinqununu ezininzi zifumana isinqununu esikhatywayo . Ukuba uthengisa umtshato oneminyaka engama-30 ohlawula umyinge we-4%, kodwa ukunyuka kwexabiso lokunyuka kwamaxabiso ukuya kwi-12%, unengxaki enkulu. Kunyaka ngamnye odlulayo, ulahlekelwa ngamandla angaphezulu kokuthenga kungakhathaliseki ukuba uziva ukhuselekile njani xa utyalomali kwiimbophelelo . Ukuba unomdla wokufunda okungakumbi, ndacacisa oku kwinqaku elibizwa ngokuthi Ngaba utyalo-mali kwiiMali eziKhuselekileyo kunokuTyala imali kwiShishini? .
Iphulo # 2: Utyalo-mali lwazo olwenyuka ukuKhuphuma kwemali
Ukuba iindleko zanda, uMcDonald's unokunyusa amaxabiso awahlawulisa ama-Big Macs kunye namafries, akunjalo? Ukuba iindleko zanda, inkampani yomshuwalense ingahlawulisa ngaphezulu kwiiprayimari, kunene? Ukuba iindleko zanda, umnini wendawo yokuhlala unokunyusa izindleko kwiindawo ezininzi zelizwe, akunjalo?
Le mizekelo yamashishini anesiseko esithile esakhiweyo ekukhuphukeni kwexabiso lokunyuka kwamaxabiso. Ukuba utyalo-mali unayo amandla enkokhelo, unako ukusinda kwi-inflation ephezulu ngaphandle kokulimaza kakhulu.
Iphulo # 3: Izinto ezikuMpahla ezithumela ngokuzimeleyo kwiiKharityi
Ukuba unayo ifama evelisa iimveliso ezifana nengqolowa okanye ingqolowa, iindawo zeoli ezityhutyhayo, iimigodi zegolide, isilivere, okanye ithusi, okanye ezinye iimpahla ezithengisa njengezinto eziphathekayo - cinga ubugcisa obuhle okanye ukuqokelela - mhlawumbi awuhambi kufuneka ukuba uxhalabele ngemali yokunyuka kwamaxabiso njengoko unako. Ukuba abantu badinga ioli, okanye ingqolowa, okanye igolide, baya kuhlawula kuyo nayiphi na imali oyayifumanayo, nangona sibuyele kwixesha lelitye, ukurhweba iigobolondo zolwandle kunye neentsiba. Ndiyazi ngabaninzi abatyalo-mali abatyebileyo abathengisa umhlaba waseCanada kwiminyaka emibini edlulileyo kuba babekholelwa ukuba i-United States yayiza kubandezeleka ngokunyuka kwamaxabiso kunye ne-dollar ebuthakathaka kakhulu ngenxa yokulahlekelwa kwethu kokungabikho kokulawula. Bayazi ukuba amandla okuba neefama ezivelisa iimveliso kwilizwe langaphandle liza kubanika i-anchor.
Ngaphantsi
Umgca ophezulu kukuba kukho amanyathelo ongayithatha ukubeka kwakhona iphothifoliyo yakho yokutshala imali enokukunceda ukukhusela ngokulahlekelwa ngamandla okuthenga.
Abanye abatyali-mali banokufumana amathuba okufumana inzuzo evela ekunyuka kwamaxabiso . Kubalulekile ukuthetha nomcebisi wakho wezezimali ukuxoxa ngezi cwangciso ngokubanzi.
Ukuze ufunde okungakumbi malunga nokunyuka kwamaxabiso, funda iNkcazo yeMali-mali entsha kwi-Inflation kunye ne-Inflation Rate , ekhethekileyo ephendula imibuzo efana nale: