Amanyathelo okwakha ukhuseleko lwemali enempilo
- Ukulawula imali yakho yemihla ngemihla ngebhajethi
Ukukhetha nokulandela isicwangciso seenjongo zezimali zakho zexesha elide
Ngoku siza kujonga kwisinyathelo sesithathu nesigqibo sokucwangcisa ngemali: ukwakha umnatha wokhuseleko lwemali. Amanyathelo amathathu okucwangcisa ngemali ayifuni ukubonisa ukuba ucwangciso lwemali luyimpumelelo, kodwa kunokuba isicwangciso esipheleleyo sezemali sichapha zonke ezi zintathu zale nyathelo, isakhiwo ngasinye sichaphazela abanye.
Emva kokuba unokulawula kwimali yakho yemihla ngemihla kwaye uye waqwalasela iinjongo zakho zemali zesikhathi eside, ungokokuqala ekukhuseleni umnqweno wokhuseleko lwemali onokukunceda ukukhusela iintlekele zemali ukuphazamisa ukhuseleko lwakho lwezezimali okanye iinjongo.
Yintoni umnatha wokhuseleko lwemali?
Ukhuseleko lwezezimali lwemali ayikho enye imali yokugcina imali okanye umgaqo-nkqubo we-inshorensi , kodwa kunokuba iphothifoliyo epheleleyo yokunciphisa ingozi. Ukhuseleko lwezezimali lubhekiselele ekukhuseleni wena kunye nosapho lwakho, ubuncinane inxalenye, ekulahlekelweni ukhuseleko lwakho lwezezimali okanye ukuchitha iinjongo zakho zemali zangexesha elide ngenxa yeso siganeko esingalindelekanga njengesifo esiyingozi okanye enye intlekele. Nangona ungeke uqiniseke nxamnye nento yonke, kwaye akufanele uzame, nakhu ezinye zeendlela ezintle kunye nezindleko ezinokuthi ungathatha ukuze uqale ukwakha ukhuseleko lwakho lwezezimali.
Qala ngeengxowa-mali zexakeka
Ngamanye amaxesha uyaziwa ngokuba yingxowa-mali "yomsuku , " ingxowa -mali yexakeka ngokuqhelekileyo yinkxaso yemali ebanjwe kwi-akhawunti yokulondoloza imali esekelwe bucala kwiziganeko ezingalindelekanga ezithintele ingxaki yemali njengokulahlekelwa ngumsebenzi wakho, iindleko zonyango ezingalindelekanga okanye eziyimfuneko , kodwa ukulungiswa kwendlu okanye ukulungiswa kwemoto.
Yona nto ingundoqo yokhuseleko lwakho lwezezimali. Injongo kuphela yale mali kufuneka ukuba ifikeleleke lula ngexesha loxinzelelo kwaye kufuneka kukuncedise wena kunye nosapho lwakho ukuba ugweme inkokhelo yekhadi lesikweletu semali ephakamileyo xa kuvela iindleko ezingalindelekanga okanye ngezoxinzelelo, yintoni ke imali ifanele ibe yimali oye wavuma ungathinti phantsi kweemeko eziqhelekileyo.
Nangona ukubaluleka kweengxowa-mali zexakeka ngokukhawuleza kuvunywe phakathi kweengcali zezimali, akukho mgaqo-mhlaba wendawo yonke yokuba kufuneka ugcinwe bunjani kwi-fund. Abacebisi abaninzi bezezimali bacebise ukuba nokonga okwaneleyo kwi-akhawunti efikeleleka lula ukuba ihlawule iindleko zakho zokuhlala kwiinyanga ezintathu ukuya ezintandathu xa kwenzeka ukugula, ukulahlekelwa ngumsebenzi okanye ezinye izinto eziphuculweyo. Imali oyikhethayo yokucwangcisa imele ixhomekeke kwiimeko zakho ezizodwa ezifana nokuzinza komsebenzi wakho, ingaba iqabane lakho lisebenza, kwaye ziziphi iindleko zakho zokuhlala ezibonakalayo. Ngandlela-thile, ezinye iingxaki zokulondolozwa kwimeko engxamisekileyo zingcono kunanoma yiphi, ngoko ke qhubeka uye wongeza "ukugcina kwi-fund yangxamisekileyo" kwiinjongo zakho zezemali nokwakha imali yokugcina imali kwisabelomali sakho.
Cinga ngomshuwalense wokukhubazeka ode
Ubunini bomshuwalense wexesha elide ukhubazekileyo unceda ukufaka endaweni yakho yengeniso ukuba awukwazi ukusebenza ngenxa yokugula okanye ukulimala. Abantu abaninzi bacinga ukuba le ngxelo i-luxury, xa eqinisweni, kufuneka ithathelwe ingqalelo kwabo bafumana ezinye izibonelelo zemali abangayibamba xa kwenzeka isigulo okanye ixesha elide. Nangona unayo ezinye izixhobo zemali, ngaba ufuna ukuzisebenzisa ukuhlawula iindleko zakho zenyanga? Ukuba ulondoloze i-5% yengeniso yakho yonyaka, ukukhubazeka kweenyanga ezi-6 kuya kudla iminyaka eyi-10 yokugcina imali!
Musa ukucinga ukuba kwenzeka ntoni kuwe? Nangona amathuba okuba ukhubaze xa ukhulile, ukugula kunye nokulimala kuya kwenzeka nanini na. Izingozi zeemoto, ukulimala kwezemidlalo, ukulimala emva, kunye nezifo zimbalwa nje. Ubuninzi bokukhubazeka bukhulu kakhulu kuninzi lwabantu kunokuba kunokwenzeka ukufa ngexesha elithile, kodwa izigidi zabantu zithwala i-inshorensi yobomi (enye inxalenye ebalulekileyo yokhuseleko lwenkxaso-mali), kodwa kungabikho yinshuwalense yokukhubazeka. Cinga i-inshorensi yokukhubazeka njengenthorensi yakho yokwenza imali.
Zibuze lo mbuzo: Ngaba wena kunye nosapho lwakho ningaphila ngaphandle kwengeniso yenu kwiinyanga ezintathu? Ndiyathemba, impendulo nguwe ewe ukususela ekubeni uye wakha loo ngxowa-mali. Kodwa kuthiwani malunga neenyanga ezintandathu? Okanye unyaka? Kuthekani ukuba awukuphela nje ukuba uphile ngaphandle kwemali yakho engenayo, kodwa unayo iindleko ezongeziweyo zeebhilidi zonyango?
Ukuba impendulo ayikho, kufuneka uthathe i-inshorensi yokukhubazeka. Abaqeshi bavame ukunika le ngxelo ngokuchithwa kohlawulelo lokuhlawulwa kweerhafu, okungahlawulwa irhafu kunye nexabiso elinokuthi imigaqo-nkqubo ye-one-off nge-agent ye-inshorensi.
Cinga ngomshuwalense wobomi
Ubomi bomshuwalense ngokuqhelekileyo kuyimfuneko yokuba ukhuseleko lwakho lwemali xa unabantu abathembele njengabantwana okanye iqabane eliza kuba neengxaki zemali ukuba ufe. Zibuze, yintoni intsapho yam enokuyenza ukuhlawula imali okanye ukuthenga ukutya xa ndiza kufa? Ubshuwarensi yobomi kuthethwa ukubonelela ngemali kwintsapho yakho ukuba ibe nokhuseleko lwezezimali xa ilahlekelwa ngumthombo wakho ngeniso ngenxa yokufa kwakho. Kodwa i-inshorensi yobomi ayiyena kuphela isondlo sentsapho. Ukuba usapho lwakho luquka umzali wokuhlala ekhaya , umzekelo, khawuqwalasele oko kunokuba kubize ukubuyisela umsebenzi owenzayo ekhaya. Ukuba loo mlingane wayedlulile, ngaba uya kufuneka ufumane ulondolozo lwezilwanyana kubantwana bakho? Ngaba unokufuna ukufumana uncedo lwendlu? Ngaba unokukwazi ukufumana ezi ndleko ngokusekelwe kwingeniso yakho yangoku?
Ukuba ungekho uxhomekeke kwimali, ngakwinye icala, inshorensi yobomi mhlawumbi ayikho into efunekayo yokhuseleko lwakho lwezezimali, nangona abantu abaninzi basebenzisa i-inshorensi yobomi njengenxalenye yesicwangciso sabo sokuhlala kunye nokuqokelelwa kwemali kungakhathaliseki ukuba bahlala njani.
Ukuba uceba ukuthenga i-inshorensi yobomi ngaphandle kwe-inshorensi yomshuwalense eyinikwe ngumqeshi wakho, kufuneka uzifundise malunga neenzuzo kunye neengxaki zekota, ubomi obupheleleyo kunye nezinye iintlobo ze-inshurensi. Ungaphinda ufune ukuthetha nomcebisi malunga ne-inshurensi eyaneleyo. Iwebhusayithi ye-Investment FAQ ichaza indlela yokujonga iimfuno ze-inshorensi yakho yobomi.
Ukhuseleko lwezeMali kwiNkcazo
Emva kokuba ukhusele ikhono lakho lokuvelisa ngenzuzo kunye ne-inshorensi yokukhubazeka, ukhusele i-inshorensi yakho yobomi bomshuwalense, kwaye ukhusele ezinye ii-asethi ngokuthi ube neenyanga ezi-6 zeenyanga ezikhuselekileyo, ukhuseleko lwenkxaso yakho yemali kwaye ulungele ukubuyela umsebenzi wokuqokelela ubutyebi .