Abaqalayo kufuneka baxhomeke kwiiKlasi eziPhambili eziPhambili zeAsetset
Nangona ukwakha iphothifoliyo epheleleyo kungabonakala kungenakwenzeka, qiniseka ukuba izabelo, inzala kunye neendleko zifanelekile.
Abanye basengozini yokutshabalalisa imimoya efana nokunyuka kwamaxabiso ngelixa abanye banemingcele emikhulu ekungeneni oku kuthetha ukuba kufuneka ugcine imali ixesha elide ngaphambi kokuba ungene ngeenyawo zombini. Yintoni eyenza ibe yinto enomdla ngakumbi kukuba akuyi kuthi kuphela ukutyelela kwiiklasi ezithile ze-asethi ngokusebuntwini bakho, uya kufumana ukuba iiklasi ezahlukeneyo zeempahla zidibanisa iimfuno ezahlukeneyo ngamaxesha ahlukeneyo ebomini bakho.
Umzekelo: Ukuba uphume umhlala phantsi kwiminyaka engamashumi asixhenxe, akenzi umqondo omkhulu ukubamba izikhundla ezinkulu zezithuba ngaphandle kokuba ucwangcise ukudlulisa ifa elifanelekileyo kwiindlalifa zakho okanye inceba. Kunoko, mhlawumbi unokuba ngcono xa ujabulela ukhuseleko oluhambelanayo kunye nokuzinza kwemali engenayo kwimithwalo ephezulu.
Ngaloo ndlela, ukuba ilizwe liza kwehla kwiNgxowankulu enkulu, iziphumo zakho zokugcina umgangatho wakho wokuphila ziza kuphucuka kakhulu.
Okwangoku, makhe sijonge ezintathu ezinkulu: Ubunini bezoShishino, iMali yeMali, kunye neZakhiwo zangaphandle. Phantse zonke iimpahla eziphambili ocinga ngazo xa ucela ukuba utyalwe njani imali phantsi kweyodwa kwezi zigaba.
Ukufumana Ubunini Ubunini Kwishishini
Xa utyalomali imali kwi-shishini, udala okanye uthengise kwinkqubo evelisayo, enethemba, ukuvelisa inzuzo enenzuzo ngokuthengisa imveliso okanye inkonzo ngaphezu kweendleko zokunikezela kumthengi.
Ngokomlando, ubunini bebhizinisi eliyimpumelelo liyeyona mthombo omkhulu wobuncwane bokubuthelwa kwamadoda nabasetyhini abazenzayo, abagqithiseleyo kwiklasi ye-asethi ephezulu, i-estate estate.
Kukho iindlela ezininzi zokutshala imali yakho kumnini-shishini. Unga:
- Qala inkampani yakho, ngokuqhelekileyo ngokuseka i-proprietorship yedwa, ubambiswano ngokubanzi, ubambiswano obunqamlekileyo , inkampani ejongene nemfanelo , okanye iqumrhu. Ukuba unetalente, ubuchule, uqeqesho, kwaye, kwinqanaba elithile, inhlanhla yomqhubi obalaseleyo, ngokuqhelekileyo yindlela ezuzisa kakhulu ubutyebi-mali-mali kuba unokungena kwi-firm in value value kunye nezinga lakho eliyinkcitho elilingana nokubuyela kwi-equity, okanye kwi-ROE .
- Thenga kwenye inkampani yomntu okanye intsebenziswano yabucala, ngokuqhelekileyo ngokutshintshiselana ngemali okanye abasebenzi, ngokwemiqathango yabucala. Abanye abatyali-mali bathetha ngokukhethekileyo kwi-equity equity, ukuzithintela kumacandelo athile oqoqosho apho bavakalelwa ukuba banenzuzo, njengeteknoloji okanye ukuvelisa.
- Thenga itywala kwishishini elithengiswa ngurhulumente, ngokuqhelekileyo ngokuthenga isitokhwe esifanayo kwi-corporation ethengiswa kwiimakethe ezithengisa ngaphezulu okanye kwenye yezithuthi ezifana ne-NYSE, Nasdaq, iToronto Stock Exchange, i-London Stock Exchange, iTokyo Ukuthengiswa kweShishini, njl
Uninzi lwabantu luya kuluhlu lokugqibela kuba banomsebenzi wosuku kwaye banomdla ekufundeni indlela yokutshala imali abakhele ngayo kwi- akhawunti yabo yomrhwebi , 401 (k) izicwangciso , iiRoth IRAs okanye i-IRAs zesiGaba , izicwangciso zokuthengwa kwempahla , kunye neengxelo zeengxowa-mali . Phantse kuzo zonke iimeko, indlela eyona nto ungayisebenzisa ngayo imali-oko kukuthi, ukuthatha izilinganiso zemali oye wadibanisa kwaye uguqula ubunini bezoshishino-lujonge ngokukodwa kwinqaku engayibhalwa ngokuthi Ukuthenga I-Stock yakho yePoteli . Qala apho ukuba ufuna ukufunda ngaphezulu kwaye ubuyele xa usugqibile ukuyifunda.
Ukuboleka imali yakho
Ukuboleka ngemali kuyo yonke imvelaphi yayo kunye nefom kudala njengempucuko ngokwayo. Umtyalo-mali usindisa ubutyebi bakhe aze avumele abanye babolekelwe ngenxa yeenjongo zabo kwisithembiso sokubuyisela kunye nentlalo esekelwe kwingozi ebonakalayo, izinga lokunyuka kwamaxabiso , kunye nobude bemali mboleko.
Kukho iindlela ezininzi onokumisela imali yakho kule klasi ye-asethi kuquka:
- Ukwenza imali ebolekileyo, yangasese, ebolekileyo, ebolekileyo kunye nomntu obolekayo esekelwe kwisivumelwano sombhali okanye esibhaliweyo ngokwemigaqo, imiqathango, ishedyuli sokubuyisela, kunye nenqanaba lomdla
- Ukwenza imali-mboleko yontanga ngeendleko zemarike ezifana neCredit Club okanye iProsper apho ubiza khona ngepesenti encane yomboleko owenziwe kwaye uhlawule isahlulo sayo
- Izibophelelo zokuthengwa ezikhutshwe nguorhulumente olawulayo (umz., Izibophelelo zeeNondyebo okanye izibophelelo zokulondoloza ), oomasipala , iinkampani , ezingenanto, okanye ezinye izinto
- Ukufumana isitifiketi se -FDIC se-insured ebhankini okanye nakwezinye iziko lemali
Ngokwenene ngokwenene, nje ngokuba utyalo imali kwishishini, xa uboleka imali, izinga lokukhula kwonyaka lonyaka onokulifumana lixhomekeke kuyo, inxalenye, kwizakhono zakho. Ndiyazi umhlala-phantsi oneminyaka engama-80 ubudala, ehlabathini elikufutshane lezinga lepesenti zenzalo, ngokucophelela, ngobuqili, kwaye ngokuhlakanipha, athola amakhaya kwiindawo ezihlala kuyo, aze ahlawule ngokwemigqaliselo yokuqeshisa iindwendwe ezifuna ukuba uncedo kodwa ngubani ongeke afanelekele ukufumana imali.
Emva kokulungiswa kwimiba eyahlukeneyo, isantya esilingana nesiqingatha se-13% ngonyaka kwaye iimali-mboleko ezithe zafumana ukulingana okwaneleyo okungafunekiyo, akahluphekanga. Kwiimeko ezimbalwa, xa intsapho iwele ezinyangeni ezintandathu okanye ngaphezulu emva kweentlawulo zemboleko ngenxa yeemeko zobomi obuyingozi, uye wakhetha ukuxolela yonke imali ngenxa yokuba wenza imali eninzi kwizinto ezithandwayo ngokuzibandakanya emini bakhe yobomi.
Akukho mntu ubhengeza ezo mali. Uyabakha ngomoya ococekileyo. Uyabona ithuba kunye nokusebenzisa ipeni, igqwetha, unobhala-mali, kwaye ukugcinwa kwakhe kwindlela yokuxazulula ezinye iimfuno zabantu. Ekugqibeleni ndandimvakatye, wasithatha kwivenkile yokudlela apho wayekwazi ukusebenzisa iifowuni ukuze adle mahhala. "Umfana wam osondeleyo wamxhasa ishishini," watsho. "Enye yemigaqo axoxisana nayo yayisisigxina sesidlo sakusasa ngenyanga, ukuba bayaqhubeka bandinika emva kokufa kwakhe."
Indoda eyayingumhlobo ngaphambi kokuba idlule kuma-80 yakhe-eyininzi-millionaire nangona ingekho imbonakalo yangaphandle-ivela kwixesha elide lokuxinwa, kwakhona. Wasebenzisa iimali-mboleko azenzileyo kwishishini njengendlela yokucima ii-72 zokutya ezikhululekile ngonyaka. Awunakuze ufumene oludweliswe kwiphepha lokubambisa i-bond kwi-firm stock yakho ye-stock brokerage firm.
Invest Invest in Real Estate
Emva kokubolekisa imali, ukwenza inzuzo ekubeni ne-ownership yezinto eziphathekayo kuphakathi kwemisebenzi endala ebhaliweyo yemali kuyo yonke impucuko yabantu. Ukususela kwiYiputa yamandulo ukuya kwiNyuvesi yaseNew York yanamhlanje, ukuba unendawo yokuhlala-ingaba yindawo yokuhlala, iofisi okanye iqonga lomhlaba - unokuvumela omnye umntu ukuba alisebenzise ngokutshintshela intlawulo eyaziwa njengerenti.
Ezinye iintlobo zabatyalomali zikhetha ubunini bezindlu eziphantsi kweendawo zonke zee-asethi ngenxa yokuhlala kwayo. Ngokomzekeliso, i-aristocracy e-Great Britain ibandakanyeke kwi-real estate kangangokuthi i-0.6% kuphela yelizwe liphela libe ne-50% yazo zonke iindawo zasemaphandleni ezisemaphandleni kwisizwe.
Kwizoqoqosho zanamhlanje, kukho iindlela ezininzi zokufumana i-real estate kwipotfoliyo yakho yokutshala imali . Ezi zibandakanya, kodwa azithethi:
- Ukuthenga ikhaya lentsapho yakho, okungaphezulu kokuncitshiswa kweendleko kunye nobuncinci botyalo-mali kodwa luwela kulolu hlobo nangona kunjalo
- Ukuthenga ipropati ngqo kwaye uyiqeshisele kubaqeshi
- Ukuthenga isakhiwo, ukuphucula kunye / okanye ukuphuhlisa ngendlela ethile, nokuyithengisa
- Ukuqeshisa ngemali / ukuthengwa kwemali
- Ukubamba imali kunye nabanye abatyali-mali ukuthenga i-estate ngeendawo ezikhethekileyo zerhafu ezikhutshwe kwiirhafu zenkampani phantsi kweemeko ezininzi. Ezi shishini ziyaziwa njenge- REIT, okanye i-Real Estate Investment Trusts , kwaye iyakwazi ukufunyanwa ngokufana naso nasiphi esinye isitotho nge-akhawunti ye-brokerage. Kukho ii-ETF kunye neemali ezihlangeneyo ezijoliswe kwii-REIT.
Iingcamango ezingakumbi malunga nendlela yokuTyala imali
Nangona kukho ezinye iindidi zezinto onokuzifumanisa ukuba ufuna ukutshala imali yakho kwaye ufumane inqanaba elihle lokubuyela-ebomini bam, umzekelo, ndisebenzise into ethile eyaziwayo yokulingana ukwenza imali eninzi yam yokuqala- mhlawumbi akufanelekanga ukuba abatyala-mali abatsha baqwalasele nantoni na ngaphandle kwezi zigaba ezintathu zeempahla.
Zingaphezulu kokwanele ukuba uthathe umhlalaphantsi, ziphile ngokukhululekile, kwaye ushiye abantwana bakho nabazukulwana bakho bathembele imali enezinto eziphathekayo ezinokubakhokelela kwiminyaka emininzi, ukuba kungabikho kwintsapho yabo. Ungazami ukuyiqhayisa ngokugqithisa kwizinto ongaziqondi ekuqaleni njengentsebenziswano emfutshane.
Landela ingcebiso yenye yezona zimali-mkhulu-mali zembali; ungaphambuki kwiKISS, okanye " Gcina Lulula, Usisidenge " kwaye mhlawumbi uya kuba nemiphumo emihle kakhulu, ngokukhawuleza ubusuku bokulala, kunokuba ungenakho.