Ezi njongo zotyalo-mali zibalulekile kuba iimveliso ezithile kunye nezicwangciso zisebenza ngenjongo enye, kodwa zivelise iziphumo ezingekho embi kweminye injongo.
Ngokuqinisekileyo uya kusebenzisa ezininzi zeenjongo zokutshala imali ngexesha elifanelekileyo ukuze ufezekise iinjongo ezahlukeneyo ngaphandle kokuphikisana.
Makhe sihlolisise ezi njongo size sibone indlela ezahlukileyo ngayo.
Uxabiso lokuxabisa
Ukuxabisa ngokubanzi kubandakanywa nokukhula kwexesha elide. Esi sicwangciso siyazi kakuhle kwizicwangciso zomhlala-phantsi apho utyalo-mali lusebenza iminyaka emininzi ngaphakathi kwiplani efanelekileyo.
Nangona kunjalo, utyalo- mali lokuxabisa okukhulu alukhawulelwanga kuma-akhawunti afanelekileyo omhlala phantsi. Ukuba le njongo yakho, uceba ukubamba iintengiso kwiminyaka emininzi.
Unelisekile ukuba ubavumele ukuba bakhule ngaphakathi kwipotfoliyo yakho, ukubuyisela iindleko zokuthenga izabelo ezininzi. Isicwangciso esiqhelekileyo sisebenzisa ukuthenga rhoqo.
Awunakhathaleleka kakhulu ukunyuka kwemihla ngemihla, kodwa gcina isohlo esondeleyo kwiinkampani ezinokuthi zitshintshe ukukhula kwexesha elide.
Ingeniso yangoku
Ukuba injongo yakho ingeniso yangoku, unokuba unomdla kwiitoksi ezihlawula isahlulelo esivumelanayo. Unokubandakanya ezinye izinto eziphezulu zokuthengisa utshintsho (i-REITs) kunye nezibophelelo eziphezulu.
Zonke ezi mveliso zivelisa ingeniso yangoku rhoqo.
Abantu abaninzi abaphishekela isicwangciso semali ekhoyo yangoku bahlala phantsi kwaye basebenzise ingeniso yeendleko zokuhlala. Abanye abantu basebenzisa inzuzo yemali eyinkunzi yokwenza umvuzo ongenakuze uthinte inqununu, kodwa unikezela imali ngemfuno ethile yangoku (ikholeji, umzekelo).
UkuLondolozwa kweNtloko
Ukulondolozwa kwenkunzi isicwangciso esiqhelana nabo kunye nabantu abakhulileyo abafuna ukuqinisekisa ukuba abaphelelanga imali yabo.
Abathathe umhlala-phantsi malunga nabantu abaswele umhlala-phantsi basebenzisa isi sicwangciso sokubamba entolongweni.
Kulo mtyalomali, ukhuseleko lubaluleke kakhulu - kwanezinga lokushiya ukubuya.
Ingqiqo yalo khuseleko icacile. Ukuba balahlekelwa yimali ngokutyalomali-mali kwaye bathatha umhlalaphantsi, ngokungafaniyo baya kufumana ithuba lokuyifaka.
Abatyalomali abasebenzisa imali yokugcina imali bayatyala imali kwii-CDs zebhanki, imiba ye-US Treasury, i-akhawunti yokulondoloza.
Ukucacisa
Umceli-mali akayiyo umtyalo-mali owenene, kodwa umrhwebi othanda ukuxhuma kunye nokuphuma kwamasitokethi njengokungathi zizicathulo ezimbi.
Abaqulunqi okanye abahwebi banomdla kwintlawulo ekhawulezayo kwaye basebenzise iindlela zokuthengisa eziphambili njengempahla yokufutshane, ukuthengisa kwinqanaba, ukukhetha kunye nezinye izixhobo ezizodwa.
Abanalo uthando kwiinkampani abazithengisayo kwaye, eneneni, abanako ukwazi okuningi ngabo bonke ngaphandle kwesitokisi sinyanzelise kwaye sivuthiwe ngenzuzo esheshayo.
Abaxeli bahlala bevule amehlo abo kwiimeko ezinokukhawuleza kunye nethemba lokuthengisa kunye nokuphuma ngaphandle kokucingisisa ngeenkampani eziphantsi.
Abantu abaninzi bazama ukuqikelela kwiimarike zentengiso kunye nenjongo engafanelekanga yokufumana ubutyebi. Akusebenzi ngaloo ndlela.
Ukuba ufuna ukuzama isandla sakho, qiniseka ukuba usebenzisa imali onokukwazi ukuyilahleka. Kulula ukufumana umlutha, ngoko qiniseka ukuba uyayiqonda indlela yokwenene yokulahlekelwa lwakho mali.
Isiphelo
Isitayela sakho sokutsalwa mali kufuneka sifane neenjongo zezimali zakho. Ukuba akunjalo, kufuneka ubone uncedo lwezakhono ekujonganeni nokukhetha utyalo-mali oluhambelana neenjongo zakho zezimali.